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Irwansyah Suwahyu
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Referensi Islamika: Jurnal Studi Islam
Published by PT. Academic Bright Collaboration
ISSN : 29884888     EISSN : 29886430     DOI : https://doi.org/10.66053/ri
Core Subject : Religion, Humanities,
Religion Humanities
Qur’anic and Hadith Studies Studies on Qur’anic exegesis (tafsir), ulum al-Qur’an, ulum al-hadith, thematic studies, and contemporary approaches to understanding the primary sources of Islamic teachings. Islamic Thought and Philosophy Research on classical and contemporary Islamic thought, Islamic philosophy, kalam (Islamic theology), and the development of intellectual traditions within Islamic civilization. Islamic Law and Contemporary Fiqh Studies on fiqh, usul al-fiqh, maqasid al-shariah, Islamic legal reform, and the application of Islamic law in various contemporary social and legal contexts. Islamic Education Research on Islamic education, curriculum development, pedagogical innovation, character education, and the transformation of Islamic educational institutions in modern contexts. Islam and Social Transformation Studies examining the relationship between Islam and social change, cultural dynamics, politics, governance, and community development. Islamic Ethics and Spirituality Research on Islamic ethics, akhlaq, Sufism, moral philosophy in Islam, and spiritual development in individual and social life. Islam and Contemporary Global Issues Studies addressing the interaction between Islamic teachings and contemporary global issues, including Islamic economics and finance, environmental sustainability, technological developments, digital society, public policy, and emerging socio-economic transformations.
Arjuna Subject : Seni dan Humaniora - Studi Agama
Articles 115 Documents
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DYNAMIC CAPABILITIES AND COMPETITIVE ADVANTAGE IN ISLAMIC FINTECH: EVIDENCE FROM INDONESIA Anna Sardiana
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 2 (2026): APRIL
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i2.667

Abstract

This study aims to examine how Islamic fintech firms in Indonesia develop and utilize dynamic capabilities to achieve competitive advantage. It addresses the limited attention given to Shariah-compliant fintech within existing literature and highlights the need to understand how firms integrate technological innovation with regulatory and ethical requirements in a rapidly evolving financial landscape. A qualitative multiple-case study approach was employed, involving 10 Islamic fintech firms registered under the Financial Services Authority (OJK) in Indonesia. Data was collected through semi-structured interviews with key decision-makers, including executives and managers. The data were analyzed using thematic analysis based on the dynamic capability framework, focusing on sensing, seizing, and reconfiguring processes. The results reveal that Islamic fintech firms build competitive advantage through three core dynamic capabilities. Sensing involves market intelligence and regulatory awareness; seizing is reflected in innovation, customer-centric strategies, and collaboration; while reconfiguring emphasizes continuous learning and talent development. These capabilities translate into key advantages, including Shariah compliance, transparency, financial inclusion, operational efficiency, and agility.  The study is limited by its qualitative design, small sample size, and reliance on firm-level perspectives, which may affect generalizability. Future research could adopt quantitative methods, including broader stakeholders, and conduct cross-country comparisons. This study extends dynamic capability theory into the underexplored context of Islamic fintech and highlights the strategic role of Shariah compliance as a source of competitive advantage. It provides practical insights for firms, policymakers, and researchers in supporting the sustainable growth of the Islamic fintech ecosystem.
GREEN ISLAM ACTIVISM AND ECOLOGICAL JUSTICE IN MINE MANAGEMENT IN INDONESIA Mas Subagyo Eko Prasetyo; Rahman Mantu
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 2 (2026): APRIL
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i2.673

Abstract

This article examines ecological justice and the concept of green Islam in mining activities in Indonesia. The research method used is qualitative with a descriptive-analytical approach. The analysis results in this article indicate that the concept of green Islam has become a new religious movement to realize ecological justice in mining activities and serves as an effective solution to achieve environmental justice in line with Islamic principles.  Based on studies of mining practices in Indonesia, it is apparent that some companies have begun to implement sustainable policies such as post-mining land reclamation, the use of renewable energy, and environmentally friendly waste management. However, their implementation is still partial and has not fully integrated social and ecological justice aspects. From the perspective of green Islam, mining activities must be carried out with moral and spiritual responsibility as a form of human stewardship on Earth. Therefore, the management of mining resources needs to be conducted in a fair, transparent, and sustainable manner so that economic benefits can be enjoyed by the wider community without sacrificing environmental preservation and ecosystem balance.
MEASURING THE IMPACT OF ZAKAT DISTRIBUTION ON ECONOMIC INEQUALITY: A META-ANALYSIS APPROACH Mujahidin
Referensi Islamika: Jurnal Studi Islam Vol. 2 No. 2 (2024): DECEMBER
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v2i2.674

Abstract

This study aims to examine and measure the impact of zakat distribution on economic inequality, addressing the lack of comprehensive integration among diverse empirical findings. Given the persistent issue of inequality in Muslim-majority developing countries, this research highlights the relevance of zakat as a strategic Islamic social finance instrument for wealth redistribution. The study employs a systematic literature review (SLR) combined with a narrative meta-analysis of empirical studies published between 2015 and 2026, analyzing relevant works to identify patterns, approaches, and outcomes related to zakat distribution and its effects on economic inequality. The findings reveal that zakat contributes significantly to reducing economic inequality at a moderate level, primarily through increasing the income of mustahik (zakat beneficiaries) and strengthening microeconomic activities. However, its effectiveness in addressing long-term structural inequality is highly dependent on governance quality, distribution models, and alignment with public policy frameworks. This study is limited by its reliance on secondary data and variations in measurement approaches across the reviewed studies, which may affect generalizability. Nevertheless, it offers practical implications for policymakers and zakat institutions to improve governance, optimize distribution strategies, and enhance integration with broader economic policies. Furthermore, this research provides a novel contribution by proposing an outcome-based integrative model that connects consumptive zakat, productive zakat, digitalization, and multidimensional inequality indicators, offering a more comprehensive framework for understanding and optimizing the role of zakat in reducing economic inequality. This study aims to examine and measure the impact of zakat distribution on economic inequality, addressing the lack of comprehensive integration among diverse empirical findings. Given the persistent issue of inequality in Muslim-majority developing countries, this research highlights the relevance of zakat as a strategic Islamic social finance instrument for wealth redistribution. The study employs a systematic literature review (SLR) combined with a narrative meta-analysis of empirical studies published between 2015 and 2026, analyzing relevant works to identify patterns, approaches, and outcomes related to zakat distribution and its effects on economic inequality. The findings reveal that zakat contributes significantly to reducing economic inequality at a moderate level, primarily through increasing the income of mustahik (zakat beneficiaries) and strengthening microeconomic activities. However, its effectiveness in addressing long-term structural inequality is highly dependent on governance quality, distribution models, and alignment with public policy frameworks. This study is limited by its reliance on secondary data and variations in measurement approaches across the reviewed studies, which may affect generalizability. Nevertheless, it offers practical implications for policymakers and zakat institutions to improve governance, optimize distribution strategies, and enhance integration with broader economic policies. Furthermore, this research provides a novel contribution by proposing an outcome-based integrative model that connects consumptive zakat, productive zakat, digitalization, and multidimensional inequality indicators, offering a more comprehensive framework for understanding and optimizing the role of zakat in reducing economic inequality.
THE IMPACT OF THE FINANCING TO DEPOSIT RATIO AND CURRENT RATIO ON THE PROFITABILITY OF ISLAMIC BANKS: THE MODERATING ROLE OF NON-PERFORMING FINANCING Budi Kolistiawan; Agus Eko Sujianto; Dede Nurohman; Eka Ratna Glis Purnamasari; Hardining Estu Murdinar; Larasati Widoningtyas
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 2 (2026): APRIL
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i2.702

Abstract

This study aims to examine the effect of the Financing to Deposit Ratio (FDR) and Current Ratio (CR) on the profitability of Sharia Commercial Banks in Indonesia, with Non-Performing Financing (NPF) serving as a moderating variable during the 2019–2023 period. The study is motivated by the relatively lower profitability performance of Islamic banking compared tho conventional banking. This research employs a quantitative approach with an associative research design. The study uses secondary data derived from the annual financial reports of six Sharia Commercial Banks registered with the Financial Services Authority (OJK) over a five-year period (2019–2023), resulting in 30 observations. The analysis incorporates lagged financial variables to capture the delayed effect of financial performance indicators on profitability. The results indicate that FDR has a negative but insignificant effect on profitability. In contrast, CR has a significant negative effect on profitability, suggesting that excessively high liquidity may suppress profit performance. NPF shows a negative and significant effect on profitability in the baseline model; however, its effect becomes insignificant in the moderated regression model. Furthermore, NPF weakens the relationship between FDR and profitability, indicating that higher financing risk reduces the effectiveness of financing distribution in generating profits. However, NPF does not moderate the relationship between CR and profitability, meaning that the fourth hypothesis (H4) is not empirically supported. These findings emphasize the importance of maintaining a balance between financing distribution and financing quality, as well as optimizing liquidity management to prevent idle funds. Effective control of NPF is essential for maintaining the stability and financial performance of Islamic banks. This study contributes to the Islamic banking literature by simultaneously examining the moderating role of NPF in the relationship between FDR, CR, and profitability using the most recent data from the 2019–2023 period and incorporating lagged variables to provide a more comprehensive understanding of profitability dynamics in Islamic banking in Indonesia.
EFFECTIVENESS OF THE COUNTENANCE STAKE MODEL IN EVALUATING THE AIHES CURRICULUM Rofia Masrifah; Sitti Mania; Muljono Damopolii; St Syamsudduha
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 2 (2026): APRIL
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i2.728

Abstract

This study evaluates the implementation of the Athirah Integrated Holistic Education System (AIHES) curriculum by using the Countenance n model. As a holistic curriculum, AIHES is designed to integrate academic excellence with Islamic values and character. This study aims to examine the congruence between intended curriculum design and  actual implementation. A qualitative approach was employed, with data collected through classroom observations, semi-structured interviews with teachers and school leaders, and analysis of curriculum documents. The analysis applied the Countenance framework by comparing intended conditions, observed practices, and established standards to assess the level of alignment. The findings indicate that the AIHES curriculum effectively strengthens the school’s religious culture and supports character. development, reflecting the institutional identity of holistic Islamic education. Variations remain the integration of Islamic values within general subjects and teachers’ pedagogical practices. These findings highlight need for stronger evaluative supervision and continuous professional development to ensure a more consistent realisation of the curriculum’s holistic and value-based educational goals. This study highlights the importance of evaluation curriculum implementation, particularly in translating holistic and value-based principles into teaching practices. It also suggests that future research should explore the integration of formal and hidden curricula. This study contributes by applying Countenance model to evaluate a holistic Islamic curriculum, with a focus on classroom implementation. It provides empirical evidence of the gap between curriculum design and teaching practice, and offers a practical framework for evaluating value-based and integrative learning.
ANALYSIS OF ISLAMIC LEADERSHIP STYLES AT MUHAMMADIYAH LIMBUNG GOWA HIGH SCHOOL Sitti Muthmainnah; Muammar Asykur
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNI
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.390

Abstract

This study aims to analyze the Islamic leadership style applied by the principal at MA Muhammadiyah Limbung. The research seeks to describe the forms of Islamic leadership practiced, identify the factors influencing its implementation, and examine its impact on school effectiveness, teacher performance, organizational climate, and the achievement of educational goals. This research employs a descriptive qualitative approach. Data were collected through in-depth interviews using purposive sampling technique. The informants consisted of the Head of Muhammadiyah Limbung Branch, the Principal, the Head of Administration, and the Chairpersons of Class XI and XII. Data analysis was conducted using the interactive model of Miles and Huberman, which includes data reduction, data display, and conclusion drawing/verification. The findings reveal that the principal of MA Muhammadiyah Limbung demonstrates good decision-making skills in problem-solving. Problems faced by the school can be resolved quickly and thoroughly through a leadership approach that emphasizes Islamic values, thereby supporting the smooth operation of school activities and the achievement of shared goals. The results of this study are expected to provide practical recommendations for improving the quality of Islamic leadership in Muhammadiyah educational institutions. School leaders can use these findings as a reference to strengthen their leadership practices in order to create a more effective, harmonious, and value-based educational environment. This research offers a specific analysis of Islamic leadership styles in the context of a Muhammadiyah senior high school (MA), focusing on real practices at MA Muhammadiyah Limbung. It contributes to the limited body of literature on Islamic leadership implementation in secondary Islamic education institutions in South Sulawesi.
HADITH-BASED FAMILY RESILIENCE IN FATHERLESS CONTEXTS: AN INTEGRATIVE CONCEPTUAL MODEL Khaerun Nisa Nuur; Huzaifah Dwi Aryani
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNI
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.419

Abstract

This study examines fatherless families beyond a deficit-oriented perspective by proposing a resilience-based framework grounded in Prophetic traditions (hadith). It addresses the gap between risk-focused psychological studies and normative Islamic discourse by developing a conceptual model that explains how families adapt in the absence of paternal involvement. A qualitative design was employed through an integrative literature review combined with thematic analysis. Primary data consisted of selected hadith related to caregiving, responsibility, and social relations, while secondary sources included contemporary studies on fatherlessness and family resilience. The analysis followed iterative processes of coding, categorization, and conceptual synthesis. The study identifies four interrelated pillars of resilience: tauhid-oriented spirituality as a system of meaning-making, structural flexibility through role redistribution, social support as a buffering mechanism, and individual autonomy as an internal adaptive capacity. These dimensions operate systemically, indicating that resilience is shaped not by structural completeness but by the family’s ability to reorganize meaning, roles, and relational resources. The findings are derived from a conceptual framework based on textual analysis and have not yet been empirically validated. Future research is needed to test the model across diverse socio-cultural contexts using empirical and longitudinal approaches. This study offers an integrative contribution by bridging contemporary resilience theory with hadith-based perspectives, resulting in a theoretically grounded and contextually relevant model for understanding family resilience in Muslim settings.
EXPLORING THE ROLE OF SHARIA-BASED SOCIAL MEDIA REPUTATION IN SHAPING BANK ALADIN SYARIAH'S CUSTOMER TRUST Supriadi; Nur Isra' Ahmad; Ismawati; Asyraf Mustamin
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNI
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.457

Abstract

The main purpose of this study is to explore the role of social media reputation in shaping customer trust in Bank Aladin Syariah. The research method used in this study is qualitative and exploratory. The data in this study was collected through in-depth interviews with customers who actively follow Bank Aladin Syariah's Instagram account, as well as observations of content uploaded by banks. The analysis is carried out in several stages, namely determining the topic, coding the data, grouping data by category and finally formulating conclusions. The three main findings that emerged from this exploration are: first, the credibility of the content is the foundation of trust. Second, visual branding that carries a modern and Islamic image. Third, the interactivity and responsiveness of the Bank Aladin Syariah Instagram account. The findings highlight that social media plays a strategic role in building value-based trust rather than mere promotion. Bank Aladin Syariah should manage its digital reputation through credible content, appealing visuals, and interactive communication. The study’s limitation lies in its focus on Instagram and predominantly young informants, suggesting future research across platforms with more diverse participants. This study has originality because it examines in depth the role of Sharia-based social media reputation in shaping customer trust in Bank Aladin Syariah. The focus on the Instagram platform provides a unique contribution, considering that this visual-interactive social media is rarely studied specifically in the context of digital Islamic banking.
SHARIA COMPLIANCE CHALLENGES IN THE ISLAMIC PAWNSHOP INDUSTRY: A STUDY OF RAHN-BASED FINANCIAL SERVICES Nasrullah Bin Sapa; Rahman Ambo Masse; Muhammad Majdy Amiruddin
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNI
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.462

Abstract

This study aims to critically examine the Sharia compliance challenges in the Islamic pawnshop industry in Indonesia, particularly within Rahn-based financial services. It focuses on key issues such as contract structuring, fee (ujrah) determination, collateral management, governance effectiveness, regulatory implementation, and customer-related factors influencing compliance. The research employs a qualitative descriptive approach combined with normative legal analysis and supported by limited quantitative surveys. Data were collected through in-depth interviews, direct observations, and document analysis of DSN-MUI fatwas, regulatory frameworks, standard operating procedures, contracts, and financial reports. Additionally, stakeholder perspectives were gathered through questionnaires involving management, operational staff, Sharia Supervisory Board members, regulators, and customers. A case study was also conducted at an Islamic pawnshop institution in Makassar to provide contextual insights. The findings reveal that the implementation of Rahn and Ijarah contracts in Islamic pawnshops generally complies with DSN-MUI Fatwas, particularly No. 25/2002, No. 26/2002, and No. 92/2014, and successfully avoids explicit elements of riba. However, several critical challenges persist. These include the improper calculation of administrative and storage fees based on loan value rather than actual costs, which potentially introduces elements of riba. Furthermore, the use of multi-contract schemes (e.g., Qardh–Ijarah combinations) creates ambiguity and raises concerns regarding prohibited hybrid contracts. Issues of gharar are also identified in certain pricing and discounting practices. Additional challenges include inconsistencies in collateral management, uneven effectiveness of Sharia governance, and limited staff competency. From the demand side, while customer religiosity supports the adoption of Islamic pawnshop services, low levels of Sharia financial literacy contribute to information asymmetry, potentially masking non-compliance and affecting trust and satisfaction. This study highlights the need for strengthening Sharia governance frameworks, including more rigorous auditing and monitoring mechanisms. It underscores the importance of implementing cost-based ujrah calculations, enhancing regulatory clarity on multi-contract structures, and improving transparency in pricing and disclosure practices. Furthermore, capacity-building programs for staff and systematic efforts to improve public literacy in Islamic finance are essential to ensure sustainable compliance. Policymakers and regulators are also encouraged to develop standardized compliance metrics and enforce more consistent supervision across the industry. This research offers a comprehensive and integrative analysis of Sharia compliance challenges in the Islamic pawnshop sector by combining legal, operational, and behavioral perspectives. It contributes to the literature by bridging the gap between normative Sharia principles and practical implementation, particularly in the context of Rahn-based financial services in Indonesia, and provides actionable insights for enhancing both compliance and institutional credibility.
BEST FORECASTING FOR THE CAPITAL ADEQUACY RATIO OF THE FINANCIAL PERFORMANCE OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Vinny Yuliani Sundara; Nurniswah; Fadhlul Mubarak; Atilla Aslanargun
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNI
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.526

Abstract

This study aims to determine the best forecasting method for CAR by comparing three approaches, namely automatic autoregressive integrated moving average (auto-ARIMA), multilayer perceptron (MLP) neural networks, and ensemble method and to see their relationship to resilience, prudence, public trust, and stability of Islamic banking institutions. The CAR data used is monthly time series data published by the Financial Services Authority (OJK) in Indonesia for the period 2015-2025. Training and testing data are used to evaluate forecasting performance using mean absolute error (MAE), mean squared error (MSE), and mean absolute percentage error (MAPE). Forecasting results using the auto-ARIMA (0,1,0) model, the best method, confirmed that CAR is on a stable and sustainable path. This finding reinforces CAR's role as a multidimensional indicator linking financial performance, institutional resilience, sharia compliance, prudence, and social responsibility of Islamic banks to the community. The accuracy of this forecasting has direct implications for strengthening Islamic banking governance by increasing capital resilience in the face of future economic shocks. The ability to accurately predict CAR allows management to prioritize prudent principles in financing distribution, thereby mitigating the risk of systemic failure. Furthermore, well-planned capital ratio stability will strengthen public confidence in the security of funds in Islamic financial institutions. Reliable CAR forecasting not only supports managerial decision-making, but also contributes to strengthening the stability and credibility of Islamic banking as an institution responsible for society and the economy in Indonesia.

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