AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH

Analysis of The Understanding of Dayah Mudi Students of The Grand Mosque of Putri Samalanga Towards Sharia Banking

Nadia Rizki Primadani — Sun, 29 Jun 2025 00:00:00 +0700

This study aims to analyze the understanding of students at Dayah Mudi Masjid Raya Putri Samalanga regarding the concept of Islamic banking. Based on interviews, observations, and documentation, it was found that students' understanding of Islamic banking varies; some students have a basic knowledge of principles such as riba and gharar, while others lack practical understanding. Additionally, observations reveal that Islamic banking materials have not been systematically taught in the dayah's curriculum, resulting in students' limited development of this knowledge. This study contributes by providing recommendations for a more structured curriculum in the dayah, which can enhance students' understanding of Islamic economics and its application in daily life. The study is limited by the small number of respondents, and further research with a larger sample and varied methods is suggested.

The Role of Islamic Philanthropy in Natural and Humanitarian Disaster Management

Suud Sarim Karimullah — Sun, 29 Jun 2025 00:00:00 +0700

This study aims to comprehensively explore and understand the role of Islamic philanthropy in handling natural and humanitarian disasters by exploring how Islamic philanthropy, through its instruments such as zakat, infaq, sadaqah, and waqf, can serve as a tool to strengthen community resilience and build social solidarity. This study uses library research with literature analysis techniques carried out integratively and comprehensively to identify and categorize data assisted by various relevant theories. The results state that Islamic philanthropy reflects the values of justice, solidarity, and social care, playing a vital role in disaster management and community recovery through zakat, infaq, sadaqah, and waqf. In the digital era, this philanthropy has the opportunity to pioneer global social empowerment by utilizing technologies such as Islamic crowdfunding and crypto waqf innovations, enabling rapid, widespread, and accountable distribution. However, this great potential must be accompanied by a commitment to ethics, security, and transparency to ensure Islamic philanthropy remains relevant and contributes progressively to sustainable socio-economic resilience.

Study on Internet of Things Based Marine Entrepreneurship Development to Increase Women Income

Soraya Lestari, Mahendar Dwi Payana, Lisnawati Lisnawati — Sun, 29 Jun 2025 00:00:00 +0700

The development of the marine sector processing industry continues to increase. Unfortunately, the increase is not evenly distributed at the MSME business level, especially since it is not yet fully able to adopt the technology. Currently, technology is like a bridge to generate income. The quality of dried Kemamah fish sold by women entrepreneurs on the coast is still not optimal and traditional. This study examines the readiness of women entrepreneurs in the marine sector to implement the IoT concept. The study was conducted by interviewing and collecting the necessary data and conducting a risk analysis based on the business model, making recommendations for IoT development to see the feasibility and quality of dried fish. This study was conducted using a descriptive analysis method with a qualitative approach. The study results show that the use of IoT affects women's income, where product quality, product selling value, efficiency, human resources, and the application of IoT-based technology can indirectly affect women entrepreneurs to increase income.

The Relevance of Al-Shaibani's Thought in the Modern Era

Akbar Muhamad Ashoni Akbar, Muhidin Muhidin — Sun, 29 Jun 2025 00:00:00 +0700

This paper explores the economic thought and legal framework of Islamic economics during the era of Al-Syaibani, a significant figure in the history of Islamic economic thought known for his contributions to understanding the concepts of work and production within an Islamic context. Al-Syaibani emphasizes the role of humans as stewards (khalifah) on earth, responsible for utilizing resources in a manner that promotes the welfare of all beings. In his view, production activities are not merely about seeking profit but are also part of the obligation to create sustainable prosperity for humanity. His renowned work, "Kitab al-Kasb," serves as a foundational text in Islamic microeconomics, addressing critical issues related to income, production, and consumption while highlighting the importance of halal practices in every economic aspect. Al-Syaibani classifies various types of economic endeavors and emphasizes agriculture as the most fundamental activity to meet human needs. He also explains that work is a form of productivity that can lead individuals to sufficiency in worldly life while simultaneously drawing them closer to Allah. Al-Syaibani's perspective on work as a religious obligation illustrates the integration of spiritual values with economic activities. He argues that while wealth has its merits, the state of being poor, accompanied by gratitude and a focus on the hereafter, holds a higher value. This study illustrates how Al-Syaibani's economic principles remain relevant in contemporary discussions of Islamic economics, advocating for a balanced approach that harmonizes material needs with ethical and moral considerations. Thus, Al-Syaibani's thought provides a strong foundation for the development of Islamic economics that is not only profit-oriented but also aligned with moral and ethical values in accordance with Islamic teachings.

How Should the Paradigm of Islamic Economic Research Be Understood?

Sjafruddin Sjafruddin, Hamzah Zainuri — Sun, 29 Jun 2025 00:00:00 +0700

Islamic economics is still a relatively new field within academic discourse, especially when compared to other more established branches of Islamic sciences. The practice of Islamic economics in the market has spurred further investigation and research to address the emerging challenges and issues. A key problem that arises is the dominance of quantitative-positivistic approaches, which have come to be regarded as "mainstream," while alternative approaches are often considered "non-mainstream." The positivist paradigm, with its emphasis on value-neutrality, tends to distance research from the human values that define economic actors as spiritual beings. In response, the integration-interconnection paradigm seeks to position Islamic economics within a framework that incorporates the objectification of religious ethics, thus aligning economic practice with spiritual and ethical considerations.

The Concept of Al-Taysir al-Manhaji in DSN-MUI Fatwas: Methodological Analysis and Implications for Islamic Economics

Edy Saputra, Amrizl Hamsa, Putri Alya Sabina, Atha Mahdi Muhammad — Sun, 06 Jul 2025 11:20:49 +0700

This study analyzes the Al-Taysir al-Manhaji method in the issuance of fatwas by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and its implications for Islamic economic practices in Indonesia. The research aims to examine the methodology of Al-Taysir al-Manhaji, assess its relevance in Islamic economic law, and identify its impact on the implementation of Islamic financial principles. A qualitative library research method was employed, drawing on an analysis of DSN-MUI fatwas, classical and contemporary Islamic jurisprudence literature, and regulatory documents on Islamic economics. The findings indicate that the Al-Taysir al-Manhaji method facilitates flexibility in fatwa issuance while maintaining adherence to Islamic principles. This method has been applied in various DSN-MUI fatwas, including murabahah, wa’d, and Islamic hedging, supporting financial innovation and enhancing the competitiveness of Islamic banking and capital markets. The study implies that this method contributes to the harmonization of Islamic economic regulations with the national legal system. However, a robust monitoring mechanism is required to prevent the misuse of legal leniency. Future research is recommended to conduct empirical studies on the practical implementation of this method within the Islamic financial industry and comparative studies with other countries to evaluate its effectiveness in a global context.

The Transformation of Islamic Social Finance in Turkiye

Iskandar Iskandar, Muslem Muslem, Husni Mubarrak — Sun, 29 Jun 2025 00:00:00 +0700

This research examines the evolution of Islamic social finance in Turkey, focusing on zakat and waqf, from both historical and contemporary perspectives. Historically, Islamic social financial management in Turkiye has developed since the Ottoman Empire, with waqf institutions playing a crucial role in social and economic empowerment. Following the establishment of the secular republic, waqf management was placed under government regulation through institutions such as Vakıflar Genel Müdürlüğü (VGM), which oversees the administration and distribution of waqf assets. Despite operating within a secular framework, Islamic principles continue to underpin the management of zakat and waqf in Turkiye. Furthermore, the potential of zakat and waqf in Turkiye is substantial, given that the majority of the population is Muslim and charitable giving is deeply embedded in the culture. This study finds that, if managed optimally, zakat and waqf can serve as effective instruments for poverty alleviation and reducing social inequality. Both government agencies and private institutions, including NGOs, have played a significant role in advancing Islamic social finance. With proper governance and strategic implementation, Islamic social finance has the potential to enhance public welfare and serve as a model for other Muslim-majority countries seeking to develop philanthropy-based economic empowerment.

Implementation of Qanun Baitul Mal on Zakat On Agriculture and Plantations in the Southwest of Aceh

Anton Jamal, Triansyah Fisa, Husamuddin Husamuddin — Sun, 29 Jun 2025 00:00:00 +0700

This research aims to explain the implementation of Qanun Baitul Mal No. 11 of 2018 in the Barat-Selatan Aceh (Barsela) region. The focus of the study is the application of Qanun Baitul Mal No. 11 of 2018 concerning the obligation to pay zakat from all agricultural and plantation yields, along with the influencing factors. The research was conducted in three regencies: Aceh Barat, Nagan Raya, and Abdya, using a qualitative descriptive method. Data collection techniques included in-depth interviews, observation, and literature review, which were then analyzed using legislative theory and the maqasid al-shari’ah approach. This study found that Barsela is a region with significant potential in agriculture and plantations, especially oil palm. However, public awareness to pay zakat from all agricultural and plantation yields in accordance with the provisions of the qanun remains very low. In general, the implementation of zakat is left to the understanding of the madhhab, without considering the logical reasoning (‘illat) and the objectives (maqasid al-shari’ah) behind the zakat obligation. As a result, zakat paid from agricultural and plantation yields is limited to staple food, in accordance with the provisions of the Shafi‘i madhhab. The contributing factors include a strong cultural attachment to the Shafi‘i madhhab, insufficient structural and functional support from related institutions, and a low level of understanding among stakeholders regarding the status and function of the qanun in the implementation of Islamic law (shari‘ah) in Aceh and its position within the legislative hierarchy.

A Study on the Dual Transmission Mechanism of Monetary Policy in Indonesia

Arroyyan Ramly, Adem ESEN, Nurjanah Nurjanah — Mon, 30 Jun 2025 00:00:00 +0700

This paper aims to explore the dual transmission mechanism of monetary policy in Indonesia, focusing on how changes in policy instruments simultaneously affect the real and financial sectors. The dual transmission operates through two primary channels: the interest rate channel and the credit (financing) channel. In the Indonesian context, the effectiveness of this mechanism is shaped by the structure of the financial system, the degree of banking intermediation, and the institutional differences between conventional and Islamic banking. The study finds that the impact of monetary policy changes on inflation and economic growth is not always symmetric, as it depends on the strength of the interaction between money demand, interest rates, and credit distribution. By utilizing historical data and monetary policy records from Bank Indonesia, this study highlights how open market operations influence both liquidity and real economic indicators. Evidence suggests that post-COVID, Indonesia experienced notable improvements in price stability and GDP growth. When compared to countries like Turkey and Malaysia, Indonesia’s overall economic recovery has been strong, despite its lower GDP per capita. Furthermore, the findings underscore the growing role of Islamic financial instruments, which have shown potential to directly affect the real sector through money demand and supply mechanisms originating from Islamic banking.

The Influence of Digial Payment Quick Response Code Indonesian Standard (QRIS) and Lifestyle on Consumptive Behaviour of Students in Banda Aceh

Muhammad Arifin, Rachmi Meutia, Cut Sarah Athiyah Salsabila — Mon, 30 Jun 2025 00:00:00 +0700

The use of digital payment QRIS can influence individual's purchasing decisions and even lead to consumptive behavior due to the ease and convenience of daily transactions. Additionally, lifestyle is also a factor that can affect consumptive behavior, especially when in a high-living environment. This study aims to determine the impact of QRIS usage and lifestyle on the consumptive behavior of students in Banda Aceh. This research is quantitative, involving 100 student respondents in Banda Aceh. The results indicate that QRIS does not significantly affect the consumptive behavior, while the lifestyle variable has a positive and significant impact on the consumptive behavior of students in Banda Aceh. Although digital payment QRIS provides ease and practicality for transactions, student’s purchasing behavior in Banda Aceh remains manageable and does not lead to excessive consumption. In contrast, the lifestyle of students in Banda Aceh has a strong influence on how they manage their spending and consumption, leading to consumptive behavior among these students.