Maqashid Sharia Research Articles

Market orientation and change capability on an Indonesian sharia banking performance: the moderating effect of leadership religiosity

Purpose Changes are required to improve the performance of Sharia banking in Indonesia. Using dynamic capability theory, this study aims to analyze organizational learning, change process and change context (OCC) in Bank Syariah Indonesia as influenced by market orientation (competitor and customer orientation) and moderated by religiosity and its impact on organizational performance (Maqashid Sharia) using a multilevel perspective. Design/methodology/approach To test the hypothesis, this research surveyed by distributing online questionnaires to managers and employees at 62 branch offices of Bank Syariah, the largest Sharia bank in Indonesia. Data processing involved multilevel structural equational modeling with Mplus analysis software. Findings Market orientation determines an organization’s ability to change significantly, which leads to organizational performance being significantly moderated by religiosity. In OCC, organizational learning influences change context through change processes, ultimately influencing organizational performance (Maqashid Sharia). Originality/value This research used a multilevel perspective by combining market orientation and OCC variables moderated by religiosity and its impact on Maqashid Sharia. This study was conducted at the largest Sharia bank in Indonesia, Bank Syariah Indonesia.

The Influence of Digital Economic Growth and Productive Work Force Toward Human Development Index in Indonesia Viewed from a Maqashid Sharia Perspective

Introduction: Community productivity is critical in maintaining quality of life to avoid disasters. The use of digital technology in the economic aspect has also provided opportunities for people far from the market to earn income to meet their living needs. Objective: The research problem is formulated as follows: What is the influence of digital economic growth and productive labor on the Human Development Index in Indonesia in 2018-2022, both partially and simultaneously, and how is this viewed from a maqasid syariah perspective?Method: This research is presented as five-year time series data and analyzed using quantitative descriptive methods and multiple linear regression analysis, using Eviews 10 as an analytical tool. The sampling technique used was purposive sampling, with sample criteria in the form of digital economic growth, productive workforce, and data during the 2018-2022 period. Result: The digital economic growth variable partially has a negative and insignificant effect on the Human Development Index. Meanwhile, the productive labor variable positively and significantly affects the Human Development Index. Simultaneously, the growth of the digital economy and productive workforce has had a positive and significant effect on the Human Development Index in Indonesia in 2018-2022. From a maqasid syariah perspective, digital economic activities are permitted if no arguments prohibit them. Implication: This research provides valuable insights that can influence how we view and approach digital economic growth and productive labor in Indonesia's human development context. By considering these impacts, various parties can optimize their strategies to advance people's quality of life more effectively.

Penerapan Nilai-Nilai Hukum Ekonomi Syari’ah pada Produk Murabahah pada BPR Syariah Kota Bandar Lampung

Murabahah is a form of fund raising carried out by sharia banking, both productive (for business activities) and consumptive (for daily needs). Murabahah is the sale and purchase of goods at the original price (capital) with additional agreed profits that are not too burdensome for potential buyers. In a murabahah contract, the seller must disclose the basic price he purchased and determine a level of additional profit. In the murabahah financing product provided by BPR Syari'ah Bandar Lampung, the bank is the capital provider while the customer is the borrower for the purpose of purchasing halal goods, both consumption and investigation, where the bank takes a certain amount of profit (margin) on the cost price of the goods. The payment system is by installments or agreed installments. This type of research is field research. This research was carried out directly in the field using respondent data. The product in murabahah financing at BPR Syariah Bandar Lampung City is that the bank is the capital provider while the customer is the borrower. BPR Syariah Bandar Lampung City applies the maqashid sharia approach in its consumer financing. This can be seen from the consumptive financing provided which has a role and benefit in improving the welfare of members, namely by fulfilling members' dharuriyat and hajjiyat needs and being able to safeguard members' minds and assets.

Reinterpreting Iddah for Career Women: Najmuddin Tufi�s Maqashid Sharia Approach

This study aims to reinterpret the concept of iddah (waiting period) for career women using a maqashid sharia approach based on Najmuddin Thufi�s thought. Iddah is an Islamic ruling intended to protect family and societal welfare, yet it presents challenges for modern career women. The traditional rules of iddah, which restrict activities outside the home, can impact women�s social and economic well-being, particularly for those who work. This research employs Najmuddin Thufi�s approach, which emphasizes public interest (maslahah), to explore whether the rules of iddah require adjustment for career women without compromising the fundamental objectives of Islamic law. Using a qualitative methodology with a library research approach, this study gathers data from literature on Islamic law, maqashid sharia and Najmuddin Thufi�s theory. The study finds that reconstructing iddah for career women is feasible by applying maqashid sharia principles, particularly through Thufi�s emphasis on maslahah. In the context of working women, traditional iddah rules�which limit activities outside the home�present challenges, especially concerning economic and social well-being. Based on the principle of maslahah, the iddah rule can be adapted without disregarding the core objectives of sharia, allowing career women to continue working during the waiting period as long as they uphold personal dignity and adhere to Islamic legal regulations. This approach offers a contextual and adaptive interpretation of Islamic law that aligns with modern developments while preserving the objectives of Sharia. The study concludes that iddah for career women can be reconstructed to bridge the gap between religious obligations and contemporary socio-economic needs.

Fishermen Empowerment Through Product Diversification Viewed from the Maqashid Syariah Perspective in Pantai Labu District

Economic empowerment is one way to change people's lives for the better. Pantai Labu sub-district is known as a coastal area that has the potential for abundant marine catches. This study aims to evaluate the effectiveness of the product diversification-based fishermen empowerment program by using the maqashid sharia perspective as an analytical framework. This research was conducted in three fishing villages in Pantai Labu Sub-district, by identifying the potential product diversification that can be produced from marine products. The research method used was a qualitative case study with a descriptive analysis approach. Data collection was carried out through in-depth direct interviews. The results show that product diversification such as seafood processing and home industry development has had a positive impact on the income and food security of fishing communities. In addition, this empowerment also encourages the achievement of Maqasyid Sharia objectives, such as increased income that safeguards wealth (al-mal), increased skills that support the intellect (al-aql), and family welfare that supports offspring (an-nasl). However, despite its great potential, product diversification often faces various challenges in business development, such as capital constraints, limited market access, and lack of product innovation

Fundraising and Zakat Distribution in Poverty Alleviation in Maruthamunai, Sri Lanka: A Maqashid Sharia Perspective

In Sri Lanka, poverty has been one of the most pressing social issues over the past decade. This research examines zakat fundraising strategies and analyzes zakat distribution patterns in Maruthamunai, Sri Lanka, where Muslims constitute the dominant ethnic group. The current role of zakat in Maruthamunai is crucial in alleviating poverty. Primary data for this study included annual fundraising and distribution reports from the Zakat Fund, covering the years 2019 to 2023. As part of this qualitative research, unstructured interviews were conducted with the president, general secretary, deputy president, assistant secretary, members, and prominent individuals in the region. Data analysis was conducted using coding and is presented descriptively through the maqasid sharia approach. The results of this study indicate that the distribution of zakat funds in Maruthamunai has been less effective due to several factors, including insufficient receipt of zakat funds and inadequately structured internal distribution policies. Policymakers should focus on prioritizing the primary level of welfare needs (mashlahah dharuriyyah). Within this framework, the maqasid sharia perspective emphasizes the development of human resources as a priority over material development. Therefore, despite the relatively high poverty rate, the objectives of preserving religion, safeguarding human life, ensuring generational continuity, protecting intellect, and promoting wealth circulation can still be effectively pursued.

Optimizing Ecotourism Management Strategies for Mangrove Forests: A Maqashid Sharia Approach in Batu Bara Regency

Mangrove ecotourism was developed to promote the welfare of local communities by leveraging natural resources in a sustainable manner. This study investigated strategies to increase visitor numbers to Batu Bara Mangrove Park (BBMP) and improve the socio-economic conditions of the surrounding community. A descriptive mixed method was utilized, employing SWOT (Strength, Weakness, Opportunity, Threat) analysis to analyze data collected through interviews, observations, and questionnaires. The research sought to understand key factors contributing to the growth in visitor numbers while addressing challenges faced by park management. Additionally, the study included a welfare analysis based on the principles of Maqashid As-Syariah, which provided an Islamic perspective unique to this research. The findings identified various strategies that could be implemented to better meet visitor needs and preferences, enhancing the overall visitor experience. These strategies focused on improving facilities, services, and aligning development efforts with tourist expectations. By doing so, BBMP could establish itself as a more appealing and sustainable ecotourism destination. The study concluded that addressing visitor satisfaction through tailored development strategies not only holds the potential to increase tourism but also significantly contributes to the economic and social welfare of the local community. This research offers valuable insights into the sustainable management of ecotourism in similar regions.

How Aware is Generation Z of Waqf? A Quantitative Study on Maqashid among Indonesian Muslim Students

This study aims to measure the influence of waqf literacy, relative advantage, religiosity, and attitude on waqf intention among Generation Z, specifically Muslim university students in Indonesia. The respondents were 505 Gen-Z students, specifically Muslim students born between 1996 and 2012 in Indonesia who have ever donated to waqf, with primary data collected through questionnaires and analyzed using the Structural Equation Modelling-Partial Least Squares (SEM-PLS) technique. In addition, the data were also analyzed using maqashid sharia theory to see the impact of waqf benefits on individuals and society in general. The results show that waqf literacy, perceived benefits of waqf activities, and religiosity level positively contribute to individuals' attitudes towards waqf, influencing Generation Z's intention to participate in waqf activities. As a form of charity derived from the Prophet Muhammad's sunnah, waqf is essential in achieving the maqashid, particularly in protecting wealth (hifz al-mal) and improving social welfare. Therefore, increasing waqf literacy through programs such as the Indonesian Waqf Awareness Movement (GISWAF), as well as improving convenience, accessibility, and regulatory clarity in waqf practices, are proposed to strengthen positive attitudes towards waqf and encourage greater participation of Generation Z in waqf activities.

Syarat Wajib Saksi dalam Perceraian dalam Tinjauan Maqashid Syariah, Mempertimbangkan Pandangan Fuqaha dan Mufassir

Marriage in Islam is a sacred and strong bond that aims to maintain self-respect and create a harmonious family life. Islam pays great attention to preserving marriage and preventing rifts that can destroy family harmony. However, in conditions that cannot be maintained, Islam regulates a way out through divorce with wise provisions, including the requirement for witnesses. There are differences of opinion among scholars regarding the requirement of witnesses in divorce. Some scholars do not require witnesses in divorce, while others consider it mandatory. This article examines the background of these differences of opinion and then provides an analysis using the ushul fiqh and maqashid sharia approaches. This approach focuses on a deep understanding of the existing evidence and the use of evidence by scholars to support their opinions. By understanding the concept of maqashid sharia, we can see that the presence of witnesses in divorce is in line with the objectives of Islamic law and provides legal certainty. The obligation to have witnesses in divorce, as also stated in Indonesian Family Law, is a stronger view in maintaining justice and ensuring protection for all parties, especially in dealing with the impact of divorce on children and families.

An Examination of the Age Restriction of First-Time Voters in Indonesia's Elections from the Perspective of Maqashid Sharia

An Examination of the Age Restriction of First-Time Voters in Indonesia's Elections from the Perspective of Maqashid Sharia

Menakar Kebijakan Pendampingan Self Declare Halal oleh Perguruan Tinggi (Studi Kasus di Universitas Nahdlatul Ulama Sidoarjo dan Uin Maulana Malik Ibrahim Malang)

This study examines various government efforts to encourage halal product assurance, especially through the creation of derivative regulations and the establishment of the Halal Product Assurance Organizing Agency (BPJPH). However, small to micro-scale business actors still need help, especially related to registration fees and understanding the importance of halal certification. The study aims to explain the role of universities in East Java in assisting halal certification for Micro and Small Enterprises (MSEs) while analyzing the legal aspects and maqashid sharia. Using field research methods and qualitative approaches, it was found that the role of universities is as PPH assistants for MSEs who meet the halal certification criteria through the self-declare route. The implementation of self-declare halal assistance is faced with the obstacle of maintaining the activeness of registered PPH assistants, and there are still business actors who need to meet the requirements in the assistance process, such as lack of information on materials and expired material certification. An effective monitoring system is required to overcome potential errors in the halal certification process. Universities are also expected to be able to create program innovations to strengthen and activate the role of PPH assistants. The government, in this case, especially BPJPH, also needs to create a more consistent policy regarding halal certification registration through the application so that the criteria of the Halal Product Assurance System (SJPH), which is built on five basic principle frameworks (arkanul halal) can be met.

Implementation of Maqashid Syariah in Preparing Financial Reports for Sharia Financial Institutions: Study at BPRS Al Salaam Cileungsi

The aim of this research is to analyze how maqashid sharia is implemented in preparing the financial reports of BPRS Al Salaam Cileungsi. The research method used was a descriptive qualitative approach, through field research by examining published sharia financial reports and conducting interviews with management. Objectives in preparing sharia financial reports at BPRS Al Salaamin accordance with maqashid sharia, namely to fulfill the goal comprehensively in providing useful information to stakeholders. The objectives of sharia financial reporting include three levels, namely primary (dharuriyat), secondary (tahsiniyah), and tertiary (hajiyat). The primary aspect is very useful in providing financial information, that all financial institution activities come from halal sources. Meanwhile, the secondary aspect is able to provide additional information regarding compliance with sharia principles, as a form of protection for property development through contracts that comply with sharia principles. In the aspect of fulfilling the tertiary level, it shows that there is an urgency in presenting the assets owned by BPRS Al Salaam in a transparent and accountable manner, as an effort to be accountable to humans and Allah SWT, so as to provide benefits to more people. Compliance with these three aspects of maqashid sharia is a manifestation of benefit in the management of BPRS Al Salaam.

The Impact of Maqashid Syariah on the Human Development Index (HDI): The Case of Indonesia

This study investigates how the Maqashid al-Shariah framework, encompassing the protection of religion (Hifzu al-Din), life (Hifzu al-Nafs), intellect (Hifzu al-Aql), progeny (Hifzu al-Nasl), and property (Hifzu al-Mal), influences Indonesia's Human Development Index (HDI). This study utilises qualitative research methods and incorporates Eviews-12 software for data analysis, notably using panel data regression techniques with selected Common Effect Model (CEM). The research sample included eight provinces, namely: Papua, West Papua, East Nusa Tenggara, West Sulawesi, West Kalimantan, West Nusa Tenggara, North Maluku, and Gorontalo for the timeframe of 2019-2022. The analysis revealed that protecting religion (Hifzu al-Din) and protecting the mind (Hifzu al-Aql) significantly influence Indonesia's HDI. Interestingly, protecting life (Hifzu al-Nafs), offspring (Hifzu al-Nasl), and property (Hifzu al-Mal) did not show a statistically significant direct impact on HDI in this study. One limitation of the study is the reliance on data from only eight provinces, which may not be representative of the whole territory of Indonesia. The novelty of the research lies in its utilization of the maqashid sharia approach to analyze human development indicators in specific provinces of Indonesia, providing a unique perspective on the factors influencing development in Islamic contexts.

Tradisi “Marhaban” dalam Perspektif Maqashid Syari’ah

This study aims to further understand how the “marhaban” tradition is carried out in Semurup, Kerinci Regency. The focus is to what extent the “marhaban” tradition meets or may conflict with the principles of maqashid sharia. This study is an empirical study with a descriptive qualitative approach. Through this field research, the author will try to explore primary data sourced from the relevant place, namely in Semurup, Kerinci Regency. Data collection techniques are carried out by interview and observation. The data analysis techniques used include data reduction and classification, data presentation, and conclusion. The results of the study show that the “marhaban” tradition is carried out by completing the Qur'an first, dhikr, and prayers, strengthening family relationships, and maintaining cultural identity by involving community members and there is no waste or unnecessary expenditure in its implementation to maintain balance and justice in the management of the property. Parents also get inner peace because they feel they have started their children's lives with the blessings and protection of Allah.

Pengaruh Human Resource Management dan Leadership terhadap Kinerja Bisnis Bank Syariah (Unit Usaha Syariah)

The research aims to find out how the dependent variables human resources management and leadership relate to the performance of sharia banks (sharia business units). The research method uses a census by sending 20 questionnaires to Islamic banks (Sharia business units) which were carried out in the period July to September 2021. The results of data collection were processed using SPSS version 22 statistics. The research results showed that the dependent variables were human resources management and leadership partially and jointly influences the dependent variable of sharia bank business performance (sharia business unit) which is 82.7%. The implication of the research is that the concept of sharia finance is not only to maximize welfare and consumption through achieving sharia bank business performance but also to maintain a balance between material and spiritual satisfaction (maqashid sharia).

The effect of the COVID-19 pandemic on profitability performance and maqashid sharia performance in Islamic commercial banks in the ASEAN region

The outbreak of COVID-19 in early 2020 has caused a crisis in various sectors, including the economic sector. In fact, its impact on the performance of Islamic banks in the ASEAN region is currently still unknown. Therefore, this study aims to obtain empirical evidence regarding the effect of COVID-19 on profitability performance and maqashid sharia performance in Islamic banks in the ASEAN region. Profitability performance is measured by return on equity (ROE) and return on assets (ROA). The number of observations from this study was 202 with a sample of 30 Islamic commercial banks in the ASEAN region in 2015–2021. The data analysis technique used is EViews 12. The results show that COVID-19 has no significant effect on profitability performance in Islamic banks, whether measured by ROE or ROA. On the other hand, COVID-19 has a significant effect on reducing the maqashid sharia performance. In addition, company size has been proven to positively affect profitability performance and maqashid sharia performance in Islamic banks before and after the COVID-19 pandemic. Operating expense ratio (OER) has been proven to affect ROE and ROA, whereas FDR and non-performing financing (NPF) have been proven to only affect ROA. OER influences promoting welfare, while FDR and NPF influence establishing justice. The study results confirm the ability of Islamic banks to generate profits amidst the COVID-19 pandemic. They also confirm the negative impact of the COVID-19 pandemic on three aspects of maqashid sharia performance.

Increasing Mustahik Welfare: The Role of Capital and Mentoring

Public welfare is the main goal of economic development in every country. One of the Islamic economic instruments that can be used to realise welfare in society is zakat. This study analyses the effect of productive zakat utilization in the form of capital and mentoring on mustahik welfare. This research is a quantitative research with Partial Least Square Structural Equation Modelling (PLS-SEM) analysis technique, with SmartPlS 4 software. The object of research is mustahik beneficiaries of the lapak berkah program. The sample used in this study was the entire existing population, namely 80 mustahik beneficiaries of the blessing stall programme. The results showed that capital has no effect on mustahik welfare. Furthermore, the assistance provided by zakat institutions has no effect on the welfare of mustahiks. This study measures the welfare of mustahik using the maqashid sharia method.

Penafsiran Ayat-Ayat tentang Perampasan Aset Koruptor dalam Perspektif Al-Misbah, Al-Azhar, Ibnu Katsir, dan Al-Munir

This study discusses the interpretation of verses of the Qur'an related to the illegal taking of other people's property, especially in the context of the confiscation of corruptor assets, based on the views of Muhammad Quraish Shihab (Tafsir Al-Misbah), Hamka (Tafsir Al-Azhar), Ibn Kathir (Tafsir al-Qur'an al-'Azhim), and Wahbah Zuhaili (Tafsir al-Munir). This study uses a qualitative method with a library research approach to conceptually examine various things that are correlated with corruption from the perspective of the Qur'an. Therefore, this study is a type of qualitative and thematic research through literature review, namely by writing, reducing, and presenting data and analyzing it, as well as the theory of maqashid sharia and jinayah. The results of the study show that the commentators support the confiscation of corruptors' assets as a legitimate action in Islam, by the principles of maqashid al-syariah, especially the protection of property (hifz al-mal). Quraish Shihab emphasizes the importance of asset confiscation to restore justice and protect society. Hamka sees this action as a just punishment that also restores the rights of society. Ibn Kathir emphasizes that corruption must be punished strictly to prevent greater damage. Wahbah Zuhaili emphasizes the authority of the government in upholding justice and preventing injustice, including through the confiscation of illegal assets. This interpretation provides a strong theological basis for the policy of asset confiscation as part of the enforcement of Islamic law, emphasizing that such action is necessary to maintain balance and stability in society.

Pengaruh Maqashid Syariah Index, Islamicity Performance Index dan Debt Equity Ratio terhadap Profitabilitas dengan Intellectual Capital sebagai Variabel Moderating pada Bank Umum Syariah di Indonesia

This study aims to determine and test the effect of the Sharia Index Maqashid Index, Islamic Performance Index, and Debt Equity Ratio on the profitability of sharia commercial banks in Indonesia, using intellectual capital as a moderation variable. This study uses quantitative research methodology and takes secondary data from the annual financial statements of Indonesian Sharia Commercial Banks in 2018-2022. The sample of eight banks was selected through the use of purposive sampling. Data analysis techniques are called Moderated Regression Analysis (MRA). The results of this study are as follows: (1) Sharia Maqashid Index has no influence on profitability; (2) Islamic performance index has an influence on profitability; (3) Debt Equity Ratio has a negative influence on profitability; (4) Intellectual Capital can moderate the influence of the Sharia Maqashid Index on profitability; (5) Islamic performance index of profitability cannot be moderated by intellectual capital; and (6) Intellectual Capital can moderate the effect of debt equity ratio on profitability.

Economic Development And Growth In Indonesia According To Law Sharia Economy

Banking has an important role in the development and support of the country's economy, especially after the enactment of Law Number 10 of 1998 concerning Banking. Islamic economics in Indonesia has now begun to be recognized and approved by the public, given the proliferation of Islamic-based banks making people understand the systems in Islamic economics. The establishment of the Islamic Development Bank (IDB) in 1975 triggered the establishment of Islamic banks around the world including Indonesia. The birth of Law Number 21 of 2008 concerning Islamic Banking is a guarantee for the existence and legal protection of Islamic banking after the last decade of its existence which only regulates one of the principles of profit sharing which does not definitively and comprehensively regulate bank activities based on sharia principles. The method used in this research uses qualitative research methods using interview, observation and documentation techniques. This type of research uses descriptive analysis. The development of Islamic economic law in the future must increasingly refer to the protection of the benefit of the people by using maqashid sharia as a methodology and perspective. To establish economic law that falls within the scope of muamalah fiqh, a comprehensive mastery of ushul fiqh is absolutely necessary, especially to find and determine the legal illat for ongoing economic practices. Failure to determine the illat leads to failure to master the source of the problem. The current Islamic economics only talks a lot about distribution and consumption, such as the distribution of money and capital claimed to be without usury and halal product certification, and does not appear to talk much about production and all aspects related to it, such as ownership of land, resources, capital and by the private sector and conglomerates, including the fulfillment of labor rights, destruction of nature by production activities, and so on. The determination of the illat and maqashid of sharia in the economic field is also expected to pay more attention to the material conditions in which unequal production relations between community groups have resulted in economic colonization and which are very detrimental to society, especially those who are in a weak position in terms of capital, resources and power.