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Rifda Nabila
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INDONESIA
The Indonesian Journal of Islamic Economics Research
Published by Universitas Islam Negeri Salatiga
ISSN : 26865076     EISSN : 27145751     DOI : 10.18326/ijier.v7i2.5518
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Indonesian Journal of Islamic Economics Research ( IJIER) is a research journal in the discipline of Islamic economics which is expected to contribute to a new or state-of-the-art for academic development or real-world applications, or both. This journal encompasses original research articles, including : Islamic economics, Economics development, Macroeconomis, Moneters, Microeconomics, Political economics, International economics, Business Economics, Halal industries, Zakat and Wakaf, Islamic Entrepreneurship, and Islamic Business Ethics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 2 Documents
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Search results for , issue "vol. 8 no. 1 (2026)" : 2 Documents clear
Blended Islamic philanthropy model of green sukuk and digital waqf: Maqasid al-Shariah approach to sustainable economic development in Indonesia Octaviano, Dicky; Brennaf, Muhammad Senoyodha; Rahmi, Arifah
Indonesian Journal of Islamic Economics Research Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijier.v8i1.6625

Abstract

Indonesia's agriculture and fisheries sectors face an annual financing gap that existing conventional banking and Islamic financial instruments, which operate separately, have failed to address. Three unresolved gaps motivate this study: empirically, no prior study has measured the combined mobilization potential of Indonesia’s cumulative green sukuk program and digital waqf  against this structural financing deficit; theoretically, no integrated governance framework grounded in Maqasid al-Shariah has been proposed to connect philanthropic waqf capital with commercial sukuk financing in a single blended architecture; and at the policy level, the regulatory divide between OJK and BWI lacks a unified instrument design. This paper proposes the Maqasid-Based Blended Islamic Philanthropy (MBIP) Model, a novel three-layer architecture integrating digital waqf as a first-loss philanthropic foundation, green sukuk as the commercial-concessional superstructure, and a blockchain-enabled Digital Governance Architecture as the integrating keystone. Employing a PRISMA-guided systematic literature review and secondary data analysis from OJK, BWI, BPS, and DJPPR, the model operationalizes all five Maqasid al-Shariah objectives with proposed measurable indicators (waqf mobilization rate, sukuk yield spreads, SDG alignment scores) and aligns with key SDGs. The study contributes four testable propositions and actionable policy recommendations for OJK, BWI, and DSN-MUI.
Rural community perceptions and preferences toward loan sharks: A case study in Padang Pariaman Regency from an Islamic finance perspective Efendi, Erizal Candra; Bahar, Muchlis; Duhriah; Yaacob, Salmy Edawati; Jaswir, Irwandi
Indonesian Journal of Islamic Economics Research Vol. 8 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijier.v8i1.6715

Abstract

This study examines rural community perceptions of loan shark practices, the factors driving dependence on informal lending, and the potential of sharia-based financing alternatives in Padang Pariaman Regency. Using a qualitative descriptive field approach, data were collected through in-depth interviews, participant observation, and documentation across five sub-districts. The findings indicate that loan sharks are perceived as fast, simple, and accessible sources of financing for urgent household and micro-business needs. However, their high interest rates and rigid installment systems are considered burdensome and exploitative. Although most respondents recognize that such practices involve riba and contradict Islamic principles, borrowing persists due to unstable income, limited savings, and restricted access to formal and Islamic financial institutions. Community reliance is therefore driven more by structural constraints than by acceptance of interest-based transactions. This study highlights the need to strengthen accessible, fast, and inclusive Islamic microfinance as a viable alternative to reduce dependence on loan sharks.

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