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TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah
Published by Institut Agama Islam Dar Aswaja Rokan Hilir
ISSN : -     EISSN : 31092926     DOI : -
Core Subject :
TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah is a journal published by Faculty of Sharia Economi, Islamic Institut of Dar Aswaja Rokan Hilir. This journal is published twice a year in June and December. The writing theme covers all models and research methodologies related to Islamic Economics and Banking.
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Articles 10 Documents
 1 
PELUANG DAN PENERAPAN LOGISTIK HALAL DI INDONESIA DALAM RANTAI PASOK MAKANAN Mohammad Zuhurul Fuad; Emma Atmawati
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 1 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

This article discusses the opportunities and application of halal logistics in Indonesia in the food supply chain. The term halal logistics refers to the process of managing the flow of goods, storage, and distribution of resources from the starting point to the end point in the supply chain in accordance with the application of sharia principles. These principles are the difference between conventional logistics and halal logistics. This research shows that the halal food industry in Indonesia has great potential to be developed, supported by the largest Muslim population in the world. The emergence of halal issues is the main motivator driving the adoption of halal logistics. However, the implementation of halal logistics still faces several challenges, such as the lack of adequate infrastructure, lack of understanding of business actors, and limited trained human resources. Based on the findings of this study, the practical implication is that it can help the government as a policy maker to recognise the problems that need to be addressed in encouraging logistics companies to switch to halal practices. In addition, this article presents strategies for implementing halal logistics in Indonesia so that it can compete in the global realm. Such as the need to increase the capacity of human resources in managing halal food supply chains, the development of appropriate infrastructure, and socialisation in various regions to increase public understanding of halal issues.
ASPEK LEGAL MAXIMS TERHADAP TRANSAKSI JUAL BELI DI TIKTOK Mohammad Zuhurul Fuad
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 1 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

The rules of fiqh have an important position in the istinbath ahkam method because they can facilitate the process of determining Islamic law, generalize various legal cases, and provide a more systematic and comprehensive understanding. In addition, the rules of fiqh also play a role in resolving legal problems that have not been stipulated in Islamic legal sources, so that they can be used to provide a consistent interpretation of Islamic law. Along with the development of technology, various new challenges and opportunities have emerged in fatwas. Technological advances have presented various new legal issues, such as those related to information technology, biotechnology, and social media and entertainment. The rapidly growing media and entertainment industry in Indonesia also demands halal regulations, such as those carried out by the Bahtsul Masail Nahdlatul Ulama Institute (LBM NU) of West Java which issued a halal fatwa on media and entertainment products, including buying and selling transactions through the Tiktok application. Based on the explanation that has been done, it can be concluded that the LBM PWNU of West Java is of the opinion that the transactions that occur on the Tiktok Shop are valid as long as they meet the requirements and laws of buying and selling according to the fiqh category. However, this fatwa also recommends the Government to overcome the negative impacts of the Tiktok Shop application. The fatwa of the LBM PWNU West Java is basically irrelevant. This is because the fatwa separates the transactional aspect from the aspect of harm as an impact of the transaction. In the analysis and application of Maqasid Syariah, the Tiktok Shop application which has harm and all the potential harm that follows, then it is appropriate for the application to be deactivated again. This is for the sake of realizing an economy that is beneficial and beneficial for all Indonesian people.
EKONOMI ISLAM MASA KINI: ANTARA REGULASI, GAYA HIDUP, DAN TEKNOLOGI SOSIAL Muhammad Hafiz Zohri; Hilalludin Hilalludin
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 1 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

This study addresses the significant transformation of Islamic economics over the last two decades, highlighting its expansion from a financial system free of usury to a broader socio-economic phenomenon involving lifestyle, culture, and technological innovation. Unlike previous research that mainly focuses on formal Islamic finance institutions, this study examines the intersection of regulation, contemporary Muslim lifestyles, and social technology as key drivers shaping the current dynamics of Islamic economics. The motivation behind this research is to understand how these factors influence the authenticity and sustainability of Islamic economic practices amid globalization and digitalization. Using a qualitative approach through library research, this study critically reviews scholarly literature, regulatory documents, and social narratives to provide a comprehensive conceptual analysis. The findings reveal a complex interaction where regulatory frameworks often lag behind rapid societal changes, Muslim lifestyles sometimes emphasize symbolic consumption over substantive spiritual values, and technology presents both opportunities for inclusion and risks of commodifying religion. The study emphasizes the need for adaptive regulatory mechanisms grounded in maqashid shariah (objectives of Islamic law), enhanced digital literacy, and critical engagement with Muslim consumer culture. The policy implication is that Islamic economic development requires an integrative and interdisciplinary framework to ensure that economic activities truly reflect Islamic ethical principles and contribute to social justice, sustainability, and community welfare.
INTEGRASI NILAI-NILAI EKONOMI ISLAM DALAM KURIKULUM: PENDIDIKAN EKONOMI DI SEKOLAH MENENGAH Gigih Hadi Nugroho Said; Hilalludin Hilalludin
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 1 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

Economic education plays a strategic role in shaping students’ knowledge, attitudes, and skills to face the dynamic challenges of the modern economic world. However, the current curriculum in Indonesian secondary schools tends to adopt a conventional economic paradigm, focusing more on technical and market-based aspects, while neglecting the integration of Islamic economic values. This study aims to fill the gap by developing a model for integrating Islamic economic values—such as prohibition of riba, justice in distribution, zakat, waqf, and ethical business conduct—into the economics curriculum. Unlike previous studies that mainly focused on Islamic economics in financial institutions, this research addresses the practical implementation of these values in formal education settings. Motivated by the urgency to produce not only academically competent graduates but also morally sound individuals, the study uses a qualitative approach through library research and curriculum document analysis. The findings reveal that integrating Islamic economic principles can provide a more holistic economic understanding, bridging ethical-spiritual dimensions with modern economic practices. Furthermore, the study proposes a systematic model of curriculum integration involving content, teaching methods, and evaluation strategies. The results hold significant implications for policymakers, educators, and curriculum developers in shaping an economic education that aligns with Indonesia’s religious and cultural values.  
INTEGRASI NILAI SYARIAH DALAM EKONOMI DIGITAL DAN GAYA HIDUP MUSLIM KONTEMPORER Lalu Ali Hasan; Hilalludin Hilalludin
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 1 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

Dalam dua dekade terakhir, perkembangan teknologi informasi dan komunikasi telah membawa perubahan besar dalam tatanan sosial, ekonomi, dan budaya global, termasuk di kalangan umat Muslim. Transformasi digital ini membentuk ekosistem ekonomi baru seperti e-commerce, fintech, artificial intelligence, dan big data, yang secara signifikan memengaruhi pola konsumsi serta gaya hidup keagamaan masyarakat Muslim kontemporer. Kondisi ini memunculkan kebutuhan mendesak untuk mengintegrasikan nilai-nilai syariah dalam praktik ekonomi digital secara substansial dan kontekstual.Penelitian ini bertujuan untuk mengkaji bagaimana prinsip-prinsip utama dalam syariah Islam, seperti keadilan, keberkahan, transparansi, dan tanggung jawab, dapat diterapkan dalam dunia digital yang dinamis. Dengan menggunakan metode studi pustaka, penelitian ini menelaah literatur-literatur klasik dan kontemporer terkait ekonomi Islam, sosiologi Muslim, serta budaya digital. Hasil analisis menunjukkan bahwa meskipun terdapat inovasi layanan berbasis syariah, masih ditemukan tantangan seperti rendahnya literasi syariah digital, simbolisasi nilai agama tanpa substansi, serta dominasi orientasi profit.Namun, era digital juga membuka peluang strategis untuk memperkuat identitas keislaman, memperluas dakwah, dan membangun ekosistem digital yang lebih etis. Oleh karena itu, diperlukan sinergi antara pemerintah, industri, akademisi, dan komunitas Muslim untuk memastikan bahwa nilai-nilai Islam menjadi fondasi dalam arah perkembangan teknologi. Penelitian ini menyimpulkan bahwa integrasi nilai syariah dalam ekonomi digital adalah langkah penting dalam membangun peradaban digital yang inklusif, berkeadilan, dan berlandaskan etika spiritual.
STRATEGI GAMIFIKASI DALAM MENINGKATKAN LITERASI KEUANGAN SYARIAH GENERASI Z: KAJIAN LITERATUR TERINTEGRASI Riski Apriliani; Desy Arum Sunarta; Rasyidah Bulqis; Andi Bisyriani
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 2 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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This study explores the potential of gamification as an adaptive educational strategy to improve Islamic financial literacy among Generation Z learners. Drawing upon key theories from educational psychology, Islamic pedagogy, and digital learning design, this research aims to synthesize conceptual frameworks and empirical findings through an integrative literature review approach. A comprehensive review of forty-three academic sources from 2013 to 2024 was conducted using databases such as Scopus, Web of Science, and ScienceDirect. Thematic coding and comparative analysis were applied to identify core mechanisms of gamification—such as points, badges, leaderboards, and adaptive challenges—and evaluate their alignment with Generation Z’s digital engagement preferences. The findings show that gamification significantly enhances learner motivation, behavioral change, and ethical comprehension when designed with cultural and religious sensitivity. Specific applications in Islamic finance education demonstrate increased retention, improved decision-making, and value alignment. The study concludes that gamified tools, if integrated with Islamic ethics and local wisdom, can bridge the gap between traditional Islamic education and digital learning expectations. These results suggest a new pedagogical direction for educators and policy-makers aiming to cultivate financial literacy in Muslim youth through interactive, ethical, and technology-enhanced learning environments.
STRATEGI PENGELOLAAN SAMPAH DINAS LINGKUNGAN HIDUP KOTA YOGYAKARTA DALAM PERSPEKTIF FIQIH LINGKUNGAN HIDAYATULLAH HIDAYATULLAH
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 2 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

The Yogyakarta City Environmental Service implemented a waste management strategy through the Zero Inorganic Waste Movement (GZSA) with initial results in reducing the volume of waste taken to the Piyungan Final Disposal Site (TPA), as well as through the Nitikan TPS3R which is equipped with supporting facilities such as a management office, waste depot, sorting, composting and maggot cultivation area. Inhibiting factors in this strategy include budget limitations, lack of public awareness, and the availability of land for landfills that has exceeded capacity. Efforts to reduce waste entering the landfill are carried out by handling waste according to its type from the source through GZSA, as well as providing outreach to wheelbarrows and residents to sort the types of waste before being disposed of at the TPS/Depo. This waste management is one of the crucial issues in efforts to maintain environmental sustainability. The city of Yogyakarta, as one of the centers of culture and tourism in Indonesia, faces serious challenges related to waste management. From the perspective of Environmental Fiqh, which is a branch of science that studies the relationship between Islam and the environment, there are several strategies that can be implemented by the Yogyakarta City Environmental Service (DLH). In this research, it was concluded that the waste management strategy of the Yogyakarta City Environmental Service in reducing waste entering the Final Disposal Site (TPA), it can be seen that these steps are not just practical policies, but also reflect a commitment to Islamic values ​​in maintaining environment.
OPTIMALISASI KEPATUHAN SYARIAH DAN KUALITAS LAYANAN UNTUK MENINGKATKAN KEPERCAYAAN SERTA LOYALITAS NASABAH BANK SYARIAH Muhammad Jailani
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 2 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

Fokus kajian berada pada pengaruh kepatuhan syariah dan kualitas layanan terhadap kepercayaan serta loyalitas nasabah bank syariah di Yogyakarta. Isu ini penting karena meskipun industri perbankan syariah di Indonesia berkembang pesat, masih terdapat kesenjangan antara idealisme nilai-nilai Islam dan praktik operasional di lapangan. Sebagian nasabah meragukan keaslian penerapan prinsip syariah dan menilai kualitas layanan belum sekompetitif bank konvensional. Dalam situasi persaingan digital dan meningkatnya literasi keuangan masyarakat, menjaga kepercayaan serta loyalitas menjadi faktor kunci bagi keberlanjutan industri perbankan syariah. Pendekatan yang digunakan bersifat kualitatif dengan desain studi kasus deskriptif. Data diperoleh melalui wawancara semi-terstruktur, observasi non-partisipatif, dan analisis dokumen terhadap 15 informan yang terdiri atas nasabah aktif, pegawai bank, dan anggota Dewan Pengawas Syariah. Analisis dilakukan dengan model Miles dan Huberman yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan, disertai triangulasi sumber dan metode serta member checking untuk memastikan keakuratan hasil. Hasil menunjukkan bahwa kepatuhan syariah menjadi fondasi utama dalam membentuk kepercayaan, sedangkan kualitas layanan memperkuat hubungan emosional dan fungsional antara nasabah dan bank. Kepercayaan berperan sebagai mediator yang menghubungkan keduanya dengan loyalitas. Nasabah yang meyakini integritas syariah cenderung tetap loyal meskipun insentif finansial di bank konvensional lebih tinggi, sementara generasi muda menuntut layanan digital yang cepat dan efisien. Secara tegas disimpulkan bahwa keberhasilan bank syariah bergantung pada kemampuan menghadirkan keseimbangan antara nilai spiritual dan profesionalisme layanan. Inovasi digital berbasis prinsip Islam menjadi strategi kunci untuk mempertahankan kepercayaan dan menumbuhkan loyalitas jangka panjang nasabah di era modern.
MAQĀṢID AL-SYARĪ‘AH DALAM REGULASI PERBANKAN SYARIAH: TINJAUAN LITERATUR Muhammad Jailani; Hadi Auliya Asalam
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 2 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

Perkembangan perbankan syariah di tingkat global menuntut kerangka regulasi yang tidak hanya menjamin stabilitas sistem keuangan, tetapi juga selaras dengan tujuan substantif syariah (maqāṣid al-syarī‘ah). Penelitian ini bertujuan untuk menganalisis bagaimana maqāṣid al-syarī‘ah diintegrasikan dalam regulasi perbankan syariah internasional serta mengidentifikasi tantangan dan implikasi penerapannya. Penelitian ini menggunakan pendekatan kualitatif dengan metode tinjauan literatur terhadap artikel jurnal ilmiah dan standar internasional yang terindeks dalam Google Scholar, SINTA, dan Scopus dalam rentang lima tahun terakhir. Analisis dilakukan melalui analisis isi untuk mengidentifikasi tema, pola, dan kecenderungan pemikiran akademik serta kebijakan regulasi terkait. Hasil kajian menunjukkan bahwa integrasi maqāṣid al-syarī‘ah dalam regulasi perbankan syariah internasional masih bersifat implisit dan lebih menekankan pada aspek perlindungan harta dan stabilitas sistem keuangan. Pendekatan regulasi yang dominan masih berorientasi prudensial dan teknokratis, sehingga dimensi keadilan sosial, kesejahteraan, dan kemaslahatan masyarakat belum sepenuhnya terakomodasi secara operasional. Tantangan utama yang teridentifikasi meliputi perbedaan interpretasi maqāṣid, keterbatasan indikator pengukuran yang terstandarisasi, serta kesenjangan antara standar internasional dan implementasi regulasi nasional. Penelitian ini menyimpulkan bahwa diperlukan pengembangan model regulasi perbankan syariah berbasis maqāṣid yang bersifat hibrida, dengan mengintegrasikan standar internasional dan indikator tujuan syariah yang terukur, guna memastikan tercapainya stabilitas keuangan sekaligus tujuan substantif syariah.
DARI FIKIH KLASIK KE PRAKTIK MODERN: KINERJA PERBANKAN SYARIAH DALAM PERSPEKTIF MAQĀṢID AL-SHARĪ‘AH Muhammad Jailani; Muhammad Ryan Anwar
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 2 (2025): TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

Implementasi Maqāṣid al-Sharī‘ah dalam kinerja perbankan syariah dengan menggunakan metode penelitian kepustakaan (library research) melalui pendekatan kualitatif deskriptif-analitis. Fokus kajian diarahkan pada literatur ilmiah lima tahun terakhir yang membahas penerapan nilai-nilai maqāṣid dalam sistem evaluasi dan operasional perbankan syariah. Hasil analisis menunjukkan bahwa penerapan Maqāṣid al-Sharī‘ah memberikan kerangka yang lebih holistik dalam menilai kinerja bank syariah, karena tidak hanya berorientasi pada indikator finansial seperti profitabilitas dan efisiensi, tetapi juga mencakup dimensi spiritual, sosial, dan etika. Lima dimensi utama maqāṣid—hifẓ al-dīn (perlindungan agama), hifẓ al-māl (perlindungan harta), hifẓ al-nafs (perlindungan jiwa), hifẓ al-‘aql (perlindungan akal), dan hifẓ al-nasl (perlindungan keturunan)—dapat diterjemahkan ke dalam indikator kinerja yang aplikatif, seperti kepatuhan syariah, tanggung jawab sosial, transparansi pengelolaan dana, dan keberlanjutan ekonomi. Dengan demikian, penerapan konsep maqāṣid tidak hanya memperkuat keunggulan kompetitif perbankan syariah, tetapi juga memastikan bahwa seluruh aktivitas operasionalnya berkontribusi terhadap kemaslahatan umat dan keadilan sosial. Penelitian ini diharapkan menjadi landasan teoritis bagi pengembangan instrumen pengukuran kinerja perbankan syariah yang berbasis nilai-nilai Maqāṣid al-Sharī‘ah, serta menjadi acuan bagi regulator dan praktisi dalam meningkatkan efektivitas sistem keuangan Islam yang berkelanjutan dan beretika.

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