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Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Published by Yayasan Mumtaz Indonesia Sejahtera
ISSN : -     EISSN : 30250080     DOI : https://doi.org/10.63106/jepki.v2i2.32
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam adalah jurnal penelitian dengan akses terbuka (open access) dan berkualitas tinggi yang direview oleh tim reviewer yang mumpuni di bidang ekonomi dan keuangan Islam terkait isu-isu pembangunan. Publikasinya diterbitkan dalam dua bahasa (Indonesia dan Inggris) secara rutin dua kali setahun pada bulan Juli dan Januari. Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam is a high-quality, open-access research journal that is reviewed by a competent team of reviewers in the field of Islamic economics and finance related to development issues. Its publication is regularly released in bilingual languages (Indonesian and English twice a year in July and January.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 19 Documents
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MANFAAT PEMBIAYAAN PRODUKTIF TERHADAP PENINGKATAN KESEJAHTERAAN ANGGOTA KSPPS BMT BERKAH MADANI Evi Ayu Wandini; Stevani Adinda Nurul Huda
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 1 (2024): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i1.16

Abstract

Microfinance institutions called Sharia cooperatives utilize the economic resources of their members to achieve their objectives. Law Number 25 of 1992 article 3 which contains the objectives of the cooperative includes the following three things; (1) To improve the welfare of its members; (2) To improve the welfare of the community; (3) To play an active role in the national economic order. The objective of this research is to assess if the welfare of members of KSPPS BMT Berkah Madani who are Micro, Small and Medium Enterprises (MSMEs) has been improved after financing. This research uses a qualitative approach with descriptive writing techniques with triangulation techniques in collecting data through interviews, observation and documentation. The results of this study indicate that the implementation of the financing program at KSPPS BMT Berkah Madani has an effect on improving the welfare of two Micro, Small and Medium Enterprises (MSMEs) of its members, even to expand and develop their business, and create new jobs.
Analisis Maqashid al-Khamsah Pada Pengharaman Riba Haniifatuz Zahira Yanadewi; Solahuddin Al- Ayubi
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 1 (2024): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i1.19

Abstract

This study aims to analyse the maqasid of sharia on the prohibition of usury. This research method uses library research by providing analysis and conclusions on the prohibition of riba using the maqashid al-khamsah approach. The results of this study show that the maqasid of sharia on the prohibition of riba can be protected in five aspects. Among other things, the hifz al-din (protecting religion) aspect of the prohibition of riba seeks to protect Muslims from economic practices that can damage the integrity of religion and violate Islamic ethical values. The hifz al-nafs (protecting the soul) aspect of the prohibition of riba underscores Islam's role in eliminating individualism, malice, and hatred, as well as creating an economic environment that supports the well-being of the individual's soul. The hifz al-'aql (protecting reason) aspect of the prohibition of riba seeks to create an environment that promotes the clarity of mind and mental well-being of Muslims. The hifz al-nasl (protecting offspring) aspect of the prohibition of usury seeks to create a healthy economic environment where families can manage their finances without being burdened by interest debts that can harm offspring. The hifz al-mal (protecting property) aspect of the prohibition of usury eliminates injustice, oppression, and social suffering, prevents usury from being receivable, encourages participation and increases employment, and avoids a catastrophic financial crisis. Thus, it can maintain sustainability and fairness in the maintenance of property.
Konsep Istikhlaf Ekonomi Islam dalam Pandangan Yusuf Qardawi Nurizal Ismail; Siti Aisyah
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 1 (2024): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i1.20

Abstract

Islamic economics provides a unique perspective on wealth administration, distinct from Capitalism and Socialism. A key concept in Islamic economics is “istikhlaf,” which asserts that wealth belongs to Allah (God), and human are merely its trustees. The aim of this research is to explore the concept of istikhlaf in Islamic economic activities through the views of Yusuf Qardawi, a Muslim scholar who has also shown considerable interest in Islamic economics through his works. The research method used in this study is qualitative inductive with a literature study, examining primary sources from Yusuf Qardawi’s work titled “Ethics and Norms in Islamic Economics,” and secondary sources from articles and books related to the topic. Thematic analysis was employed to reduce, classify, and analyze data across three economic activities: production, consumption, and distribution. The result indicates that istikhlaf has a positive impact on economic activities such as production, consumption, and distribution. In production, istikhlaf encourages the wise and responsible use of resources. Consumption should be carried out frugally in accordance with Shari’ah, avoiding wastefulness, and greed. The distribution of wealth must be fair and equitable, avoiding arrogance, exploitation, and injustice. This research contributes to the understanding that the concept of istikhlaf in economic activities focuses not only on worldly aspects but also on the hereafter, through individual, social, and environmental responsibilities for sustainable development.
Analisis Maqashid Al-Khamsah Pada Produk Asuransi Syariah Nadin; Solahuddin Al-Ayubi
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 1 (2024): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i1.21

Abstract

This research aims to analyze Sharia maqashid in Sharia insurance products. The study of Sharia maqashid in Sharia insurance in this research is conducted with a philosophical approach, namely analyzing maqasid Sharia in insurance products descriptively and analytically. The results of this research indicate that the application of maqashid in Sharia insurance products covers five aspects known as al-kuliyyah al-khams, including protecting religion (hifz al-din), which is related to the perfection of human worship, such as pilgrimage insurance; protecting life (hifz an-nafs), such as prevention against threats to life and mental health; protecting intellect (hifz al-‘aql), such as ensuring future education; protecting lineage (hifz an-nasl), such as providing education funds aimed at the welfare of heirs; and preserving wealth (hifz al-maal), where Sharia insurance based on the tabarru contract for mutual assistance helps preserve the community's money in terms of its existence. This can be achieved by preserving what is acquired and achieved in the form of money and working for its growth and enhancement. Regarding its absence, this can be done by trying to avoid the loss of money obtained from it. Thus, Sharia insurance based on mutual assistance can help protect wealth from loss and manage wealth in accordance with Islamic principles. Keywords: Maqashid Syariah, Islamic Insurance, Maqasid al-Khamsah.
Analisis terhadap Model Layanan Mobile Banking pada Bank Syariah Indonesia dari Tinjauan Konsep Syariah Annas Syamsu Fahmi Rizal; Ahmad Muqorobin; M Qoshid Al Hadi; Mohammad Syifa Urrosyidin
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 2 (2025): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i2.22

Abstract

During the post-COVID-19 pandemic recovery period, rapidly developing information technology in recent years has directed the focus of several banks towards digital services, including through mobile banking applications. The rapid growth of the internet has changed the way companies connect with customers, as well as the banking business in Indonesia. The concept of "blessing" (barakah) must remain a priority for every Muslim, especially in financial institutions like banks. This paper aims to examine and analyze the mobile banking service model available on the BSI Mobile Banking application. In 2021, Bank Syariah Indonesia, also known as BSI, began merging three Islamic commercial banks in Indonesia. In order to support the development of information technology, particularly in the banking sector, BSI also created the BSI Mobile Banking application to facilitate transactions. The method used in this research is a qualitative study with a grounded research approach, also employing descriptive qualitative analysis methods. Although the service model in the BSI Mobile application has met customer needs and is in accordance with basic Sharia principles, many customers or members of the Muslim community have not used it to its full potential or are even unaware of the system or model and utilization of the mobile banking application. This could lead to the application not being used optimally. Based on the results of the research that the researcher has written, the existing BSI Mobile Banking service model should prioritize education and product socialization of BSI Mobile Banking, using methods that can provide understanding related to Islamic law concerning the principles of halal and haram. Regulations will be enforced due to legal threats and causes. It can be concluded that the wakalah contract in BSI Mobile Banking services is permissible in accordance with the conditions and pillars outlined in the DSN MUI Fatwa No. 10/DSN-MUI/VI/2000, and it aligns with the service model that operates in the use of the mobile banking application.
ANALISIS DAMPAK PROGRAM KELUARGA HARAPAN TERHADAP UPAYA PENGENTASAN KEMISKINAN DAN KESEJAHTERAAN MASYARAKAT DI DESA PAMUTUH KECAMATAN LEBAKBARANG Helena Angel likha; Muhammad Aris Safi’i; Hendri Hermawan Adinugraha
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 2 (2025): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i2.24

Abstract

This research aims to analyze the impact of the Family Hope Program (PKH) in efforts to eradicate poverty and improve community welfare in Pamutuh Village, Lebakbarang District. Using a qualitative approach, this research focuses on evaluating access to education and health services, as well as their impact on changes in the socio-economic behavior of beneficiaries. The research results show that PKH makes a significant contribution in increasing children's educational participation, access to health services, and stability of family income. This program not only provides financial assistance, but also encourages positive behavioral changes that help break the intergenerational cycle of poverty. By using Amartya Sen's capability theory, this research emphasizes the importance of increasing individual capabilities as the main factor in societal welfare. Even though it is effective, PKH still faces challenges such as obtaining recipient data which needs to be improved so that this program is more optimal. It is hoped that these findings can become a reference for social policies in alleviating poverty in a more sustainable manner.
STUDI KEPUASAN DAN LOYALITAS NASABAH TERHADAP PRODUK KPR SYARIAH DENGAN PENDEKATAN METODE NET PROMOTER SCORE Ayu wandirara; Mulia Amrullah; Nila Nopianti; Ganjar Santika
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 2 (2025): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i2.29

Abstract

The purpose of this study is to examine the level of satisfaction and loyalty among Sharia KPR customers in the Bumi Pakarangan Ciamis housing complex. Competition among banks has increased due to the growing interest of the public in Sharia-based KPR. Improving the quality of a product and service for business continuity is the main reason why the level of customer satisfaction and loyalty needs to continue to be evaluated for the sake of product and company sustainability. This study employs a quantitative method and utilizes primary data types. Data collection methods involved the distribution of online and offline questionnaires. The Net Promoter Score data analysis method was utilized for this analysis.  According to the research findings, Sharia KPR products at Bumi Pakarangan Ciamis Housing have a Net Promoter Score value of 37. At the same time, the Loyalty variable's Net Promoter Score value is 29. This value is in the middle category in the banking industry sector. This shows that the performance of Sharia KPR is assessed in the "good" category.    
KONSEP EKONOMI ISLAM MENURUT YUSUF QARDHAWI Syarif Hidayatullah Hakim; Muhammad Yusuf Satria; Rivaldi Saputra; Solahuddin Al-Ayubi
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 2 (2025): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i2.32

Abstract

This study explores the concept of Islamic economics according to the perspective of Yusuf Al-Qaradhawi, which demonstrates that economics serves as a support for faith in the life of a Muslim. Qaradhawi emphasizes the importance of the concept of istikhlaf in wealth, meaning that humans are merely trustees of Allah's wealth in the world and must use it according to His regulations. The concept of Islamic economics refers to the principles of sharia that guide the Muslim community, so every human activity, including economic policy, development, and economic activities of the community, should refer to Islamic law. In Yusuf Qaradhawi's view, Islam offers a middle path between socialist and capitalist economic systems, avoiding the excesses of both systems by emphasizing balance and justice. Through a literature review and critical analysis of Yusuf Qaradhawi's works, this study reveals the main principles underlying his thoughts on Islamic economics. Some key concepts highlighted include the prohibition of usury (riba), the importance of zakat, and the role of ethics in trade and business. This study also highlights how Yusuf Qaradhawi's thoughts can be applied in the contemporary economic context to offer more ethical and sustainable solutions. Thus, this research provides deep insights into Yusuf Qaradhawi's contributions to the development of Islamic economics and its relevance to current global economic challenges.  
The Nexus Between Maqasid al Sharia and affordable housing program in Indonesia: A systematic review of legal regulations Muhammad Abdul ghoni; Muhammad Taufik Affandi
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 2 (2025): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i2.33

Abstract

The affordable housing can be defined as housing for low-income people (MBR), who have limited ability to obtain housing and supported by government of Indonesia within the financing program throughout Islamic banking as stated in the Minister of Public Works and Public Housing Regulation Number 1 of 2021 on criteria for low-income people (MBR), easy requirements to build and own a house. This emphasizes the importance of affordable housing for low-income people is to promote the welfare of the people that in accordance to the objectives of the Shariah (Maqasid al Sharia). The current study examines the nexus between Maqasid al Sharia and legal regulation of republic Indonesia as the basis of affordable housing program. To explore and optimize the harmonization the objectives of the Shariah (Maqasid al Sharia) and legal regulation of republic Indonesia, we analyze the legal regulations contents of republic Indonesia to expose the indicators and spirits of the objectives of the Shariah (Maqasid al Sharia) in the affordable housing programs. Using Systematic review tool, these indications and spirit of the objectives of the Shariah (Maqasid al Sharia) are identified on the basis reviewed and analysis of legal regulation. A systematic study results show that, the indicators, and spirits of the Maqasid al Sharia; protection of religion (din), protection of life (Nafs), protection of intellect (Aql), protection of wealth (Mal), and protection of lineage (Nasl) are reflected in the legal regulation of Republic of Indonesia as groundbreaking affordable housing program.

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