Despite its high Human Development Index (HDI), Yogyakarta paradoxically suffers from one of the highest poverty rates on the island of Java. This situation underscores the limitations of conventional human development metrics, particularly in regions with a predominantly Muslim population. To address this issue, this study introduces the Islamic Human Development Index (I-HDI) as an alternative framework that more effectively captures the relationship between human development and poverty in a Muslim-majority context.Utilizing secondary data from five districts in Yogyakarta spanning the years 2012 to 2023, and employing panel data regression alongside Granger causality analysis, the findings indicate that HDI has a limited and indirect effect on poverty. In contrast, I-HDI demonstrates a stronger and more direct negative correlation with poverty levels. Furthermore, Granger causality analysis reveals that changes in I-HDI significantly influence poverty levels, and vice versa, suggesting a dynamic and bidirectional interaction between these two variables.These results imply that I-HDI offers a more accurate reflection of human development in Muslim-majority regions, capturing dimensions often overlooked by traditional indices. Ultimately, the findings highlight the intricate interaction between human development and poverty, providing valuable insights for policymakers to create more effective poverty alleviation strategies grounded in Islamic principles and local cultural values

This study aims to measure the performance of Sharia Rural Banks in West Java using the maqashid sharia approach by Abdul Majid Najjar. The sample used in this study consists of 9 rural banks spread across West Java. The research data employed are secondary data in the form of financial reports for the year 2023 sourced from the Indonesia Financial Services Authority (OJK) website and governance reports for the year 2023 sourced from the official websites of each Sharia Rural Banks. The results of the study indicate that BPRS Al Salaam Amal Salman achieved the highest maqashid sharia score, followed by BPRS PNM Mentari and BPRS Almadinah Tasikmalaya Perseroda as the top three Sharia Rural Banks in West Java with the highest maqashid sharia index scores. Further analysis at the consequence level reveals that "Self" is the consequence with the highest average score compared to other consequences. Meanwhile, the consequence "Intellect" shows the lowest maqashid performance score. This study is expected to serve as a foundation for sharia banks to enhance the implementation of sharia values in their operational practices. Additionally, this study can contribute to a deeper understanding of the compliance of sharia financial institutions with the principles of maqashid sharia at the regional level.

This research was conducted to determine previous research trends regarding zakat regulation as well as the sentiment from these studies regarding the policy and implementation of zakat regulations in Indonesia. The methodology used in this research is a qualitative method with descriptive statistics on secondary data from 151 literature studies related to zakat regulation published and available on Dimensions.ai over a period of 7 years (2017-2023). The data analysis techniques used are meta-analysis and sentiment analysis which are processed using Microsoft Excel 2019 and SentiStrength software. Then, to reveal this problem in depth and comprehensively, a Systematic Literature Review (SLR) study was also carried out. The research results show that the publication of scientific literature regarding zakat regulation in Indonesia continues to increase every year, indicating that this field is quite interesting to discuss for researchers and has extensive research space and continues to develop. This study can be used as a reference in identifying influential authors, articles and journals so that future researchers will find it easier to find references that have a big influence on the development of literature on zakat regulation in Indonesia. Apart from that, by knowing what things were criticized from the negative perceptions of previous researchers regarding the policy and practical application of zakat regulation in Indonesia, it is hoped that this research can become evaluation material for regulators and policy makers to revitalize existing regulations to realize their potential.

This research departs from the problem of managing clean water sources in Pesanggrahan Village, East Lombok which was carried out by Baitul Maal wa Tamwil Tunas Harapan Syantara. In conducting research, the study used qualitative research based on interviews, documentation and questionnaires as primary data in this research. In the next stage, the study analyzes the data using management theory and SWOT to look at planning, organizing, implementing, controlling models and the problems faced. After going through a long academic research process, the result indicates that the value of strengths-weakness (2.53-0.58): 2 = 0.98, while opportunities (1.50) – Threats (1.14): 2 = 0.18. The finding also indicates that the SWOT analysis quadrant graphic, the position of clean water source management is in quadrant I, which means it is good for the continuation of clean water management in Pesanggrahan Village. The next strategy that must be carried out is promotion, using advertising, sales promotion, personal selling, direct marketing and public relations.

Penelitian ini bertujuan untuk menjelaskan model implementasi produk wakaf asuransi syariah untuk yayasan pendidikan di Indonesia. Penelitian kualitatif ini menggunakan metode penelitian kepustakaan. Hasil penelitian ini menunjukkan bahwa model implementasi produk wakaf asuransi syariah untuk yayasan pendidikan di Indonesia melalui mekanisme produk RIZQIA (Reliable, Optimized, and Qualified), yang mencakup tabungan, wakaf, dan asuransi yang dibuat oleh PT. Asuransi Jiwa Generali Indonesia. Program RIZQIA menfasilitasi sebuah ekosistem perencanaan keuangan lembaga yayasan berbasis kebermanfaatan, mulai dari solusi skema untuk segmentasi guru dan karyawan, murid serta wali murid. Penelitian ini memiliki kebaruan dalam hal inovasi model produk wakaf asuransi syariah untuk yayasan pendidikan di Indonesia.

This research aims to analyze previous research trends regarding Sharia credit cards and the sentiment of this research regarding law from an Islamic perspective. This research is a literature review that uses secondary data from 55 articles related to Sharia credit cards on Dimensions.ai. The data analysis techniques used are meta-analysis, bibliometric, and sentiment analysis, which are processed using Microsoft Excel 2019, VOSViewer, and SentiStrength software. The results of this study indicate that the development of scientific literature publications on Sharia credit cards fluctuated yearly. Sentiment analysis shows a tendency for positive perceptions rather than negative perceptions about the existence and laws of Sharia credit cards, but neutral perceptions dominate. This study found five relevant research topics related to Sharia credit cards. This study can be used as a reference in identifying influential authors, articles, and journals as well as relevant topics so that future researchers will find it easier to find references and topics of interest to developing literature on Sharia credit cards.

This study aims to determine how Islam views the use of digital assets for waqf and the potential of digital assets in waqf and its scheme. This qualitative research uses a library research method to answer the questions raised. Secondary data were used in this study. The results of this study found that the use of cryptocurrency as an asset for waqf is not allowed and only accepts rupiah as a legal tender, while the use of YouTube accounts as a source of waqf is allowed as long as it does not contain elements that are prohibited in Islam. 

This research aims to discover how classical Muslim scholars named Abu Ubaid and contemporary academics think about the existence and Islamic law regarding digital currency. This library research uses meta-analysis, sentiment analysis, and critical analysis. This research uses secondary data from scientific journal articles published in 2017-2023. The data source in this research was obtained from the Dimension database. The research results show that there are 106 pieces of scientific literature about digital currency from an Islamic perspective and 35 scientific kinds of literature about Abu Ubaid in the economic field with fluctuating literature development. Digital currency is not based on Abu Ubaid's thinking about the function of money because digital currency is a virtual currency that does not have underlying assets and many elements of uncertainty and other harm. Contemporary research studies also indicate a prevailing inclination towards negative rather than positive sentiment regarding the presence and implementation of Islamic law in digital currency. The dar'u al-mafasid muqaddam ala jalb al-masalih principle might help resolve the dispute between those who permit and those who forbid it. This research can be used as reference material for relevant research in the future and is helpful as material for public reflection and evaluation for policymakers to revitalize the application of digital currency by Islamic principles.

Diantara tolak ukur pengembangan suatu daerah di Indonesia adalah melalui dana APBD. Bengkalis sebagai salah satu kabupaten di provinsi Riau memiliki dana APBD terbesar kedua di Indonesia. Akan tetapi, besarnya APBD tersebut sangat tidak seimbang jika dibandingkan dengan kehidupan masyarakatnya yang mayoritas berada di bawah garis kemiskinan. Selain itu, dana APBD Bengkalis menjadi “tulang punggung” kehidupan rakyatnya, hal tersebut terlihat dari aktivitas pasar yang mulai ramai saat APBD sudah mulai dapat dicairkan. Kajian ini coba mengulas secara rintis yang dijadikan sebagai kerangka konseptual dalam melihat pengaruh dana APBD kabupaten terhadap peningkatan sarana dan prasarana, juga pengaruhnya terhadap peningkatan taraf ekonomi masyarakat yang hidup di dalamnya.

Murabahah funding at syari’ah banking is the transaction selling buy where the bank to mention the price of goods and the number of profit. The bank act as a seller while customer as a buyer. This study attemp to analyse the fines implementationof murabahah funding in particular motorists on the Bank Syari’ah Mandiri (BSM)branches Dumai. The results of the kind showsthat the system fines murabahah funding motor vehicles that implemented BSM in accor- dance with the concept of Dewan Syari’ah Nasional Majelis Ulama Indonesia (DSN MUI), but does not comply with the legal verdict Fiqih Islam that take shelter under Munazzamah Mu’tamar al-Islami.

Pembiayaan murabahah di perbankan syariah adalah transaksi jual beli dimana bank menyebutkan harga barang dan jumlah keuntungannya. Bank bertindak sebagai penjual sementara nasabah sebagai pembeli. Penelitian ini menganalisis sistem penerapan denda pembiayaan murabahah khususnya kendaraan bermotor pada Bank Syariah Mandiri (BSM) Cabang Dumai. Hasil kajian menunjukkan bahwa sistem denda pembiayaan murabahah kendaraan bermotor yang diterapkan BSM Cabang Dumai adalah sesuai dengan konsep Dewan Syariah Nasional Majelis Ulama Indonesia (DSN MUI), namun tidak sesuai dengan fatwa denda menurut keputusan Majma‟ Fikih Islam yang bernaung dibawah Munazzamah Mu‟tamar al-Islami.

Perbankan syariah adalah institusi yang memberikan layanan kepada masyarakat baik melalui penghimpunan dana (investasi), penyaluran dana (pembiayaan) dan jasa perbankan lainnya yang berdasarkan syariat Islam. Dalam menyalurkan dana, antara produk yang ditawarkan adalah pembiayaan talangan haji dengan skim sewa menyewa (ijarah) dan skim pinjaman (qardh). Makalah ini bertumpu kepada pembahasan kedua akad tersebut, dimana produk talangan haji yang bersumber dari fatwa Dewan Syariah Nasional (DSN) Majelis Ulama Indonesia (MUI) No. 29/DSN-MUI/VI/2002 menuai perbedaan pendapat dari banyak ulama kontemporer di Indonesia. Hasil kajian dijangka dapat menghasilkan kerangka konseptual berkaitan kesesuaian penggabungan antara akad qardh dan ijarah yang difatwakan oleh DSN MUI dengan pendapat para ulama baik ulama klasik maupun ulama kontemporer di Indonesia.

Makalah ini fokus kepada kajian tentang sikap dan gaya hidup masyarakat muslim di Pekanbaru, Riau dan perspektif mereka dalam memilih perbankan syariah. Meskipun masyarakat Indonesia umumnya dan masyarakat Pekanbaru, Riau, khususnya mayoritas beragama Islam, namun kenyataan menunjukkan bahwa mereka lebih memilih perbankan konvensional dibandingkan perbankan syariah. Masalah yang timbul adalah, apakah hal tersebut didasari oleh sikap dan gaya hidup mereka dalam melaksanakan perintah agama? Ataukah karena produk dan sarana prasarana yang ditawarkan perbankan syariah belum sesuai dengan sikap dan gaya hidup mereka?. Makalah ini coba membentuk suatu kerangka konseptual tentang fenomena tersebut khususnya tentang sikap dan gaya hidup konsumen muslim dan kesannya kepada proses pemilihan perbankan syariah. Kajian ini dilakukan menggunakan kaedah kajian perpustakaan dan analisis deskriptif. Dapatan kajian adalah membentuk suatu kerangka konseptual tentang strategi pemasaran perbankan syariah khususnya yang berhubungan dengan sikap dan gaya hidup konsumen muslim yang sejalan dengan konsep Islam.

Penelitian ini bertujuan untuk mendeskripsikan berbagai faktor penyebab kemiskinan di Kota Dumai. Penelitian ini juga bertujuan untuk menganalisis peranan Pemerintah Kota Dumai dalam usahanya mengurangkan kemiskinan di tempat penelitian. Metode penelitian yang digunakan adalah metode kualitatif. Teknik pengumpulan data dilakukan melalui wawancara, observasi dan tinjauan dokumen. Hasil penelitian menunjukkan bahwa pelaksanaan program kebijakan Pemerintah Kota Dumai sedikit banyak berhasil mengurangkan kemiskinan meskipun belum sampai ke tahap yang maksimal. Analisis data menunjukkan bahwa faktor agama yang melibatkan unsur dosa dan pahala perlu diperhitungkan dalam mengelola program Pemerintah Kota Dumai untuk menampilkan karakteristik kepentingan umum daripada kepentingan pribadi. Implementasi kebijakan Pemerintah Kota Dumai sedikit banyak juga telah berhasil meningkatkan sistem layanan kepada masyarakat dan meningkatkan standar hidup masyarakat setempat yang diukur oleh faktor dari dalam yang mencakup perbaikan mental masyarakat miskin, bidang pendidikan dan kesehatan, serta faktor dari luar yang meliputi bidang politik, sosial budaya dan bidang ekonomi

Usul fiqh is a sharia research method used to analyze various fiqh laws relating to contemporary Sharia Economic activities. This paper explains the position of Usul Fiqh as a sharia learning method. This paper also outlines the relationship between ushul fiqh and Sharia Economics research methods. The results of the study showed that usul fiqh was an important aspect of analyzing contemporary legal fiqh, especially in Sharia economic activities. This mechanism is referred as the Qur'an and Sunnah texts, the argumentation of Ijma and Qiyas, and the use of the Mashlahah and 'Urf methods in an effort to achieve the results of in-depth analysis related to economic cases that arise at the present time.