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This study aims to analyze the role of Islamic economics in regulating online gambling which is increasingly popular among Indonesian people, even Muslims. This study uses a qualitative method with a literature study approach to analyze the impact of online gambling and offers solutions based on Islamic economic principles. The data collected in this study were analyzed by reading, reviewing, and summarizing the results of previous studies that have been conducted on the influence of learning motivation on academic achievement in economics subjects. The results of the study indicate that online gambling damages five main aspects of the maqashid sharia, namely religion, soul, mind, property, and descendants. To overcome this problem, Islamic economics offers an approach to Islamic financial literacy education, economic empowerment through Islamic microfinance institutions such as Baitul Maal wat Tamwil (BMT), and strengthening government regulations in prohibiting and supervising online gambling practices. This study recommends collaboration between the government, financial institutions, and Islamic organizations to increase public awareness, strengthen spiritual values, and create halal economic opportunities as a more productive alternative. Thus, the application of Islamic economic principles is expected to be able to create a just, prosperous, and free society from online gambling practices.

This research discusses how the integration of Islamic values and learning innovation can be applied in Islamic Religious Education in higher education, especially at the Indonesian Education University. The background of this research is the challenges of globalization and technological developments that require Islamic education to continue to innovate without ignoring the principles of sharia. This research uses a qualitative approach with a case study method, involving lecturers, students, and religious leaders as informants. The results showed that the integration of Islamic values in Islamic education is done through the Islamization of science approach, the use of technology in learning, and the creation of a religious academic environment. In addition, innovations such as Problem-Based Learning and Experiential Learning methods proved to be able to increase students' interest and understanding of Islamic teachings. In conclusion, collaboration between academics, students, and religious leaders is very important in creating Islamic Religion Education learning that is relevant, interesting, and still in accordance with Sharia law. This research is expected to provide an overview and strategic recommendations for the development of Islamic education in the modern

The purpose of this study is to analyze how the implementation of the mudharabah contract in mudharabah savings products at BPRS HIK Parahyangan. This study uses a qualitative approach with data collection techniques in the form of in-depth interviews with the bank and direct observation of the operational process, as well as documentation of relevant secondary data. The main focus of the study is to examine the implementation of the principles of mudharabah and the profit sharing system applied in the savings product. The results of the study indicate that BPRS HIK Parahyangan has implemented the mudharabah contract in accordance with sharia principles. The bank acts as mudharib (fund manager), while the customer acts as shahibul maal (fund owner). The profit sharing system is determined based on an initial agreement and is distributed transparently based on the actual income obtained from fund management. This study is expected to improve the understanding and practitioners of sharia banking regarding the implementation of the mudharabah contract in banking products. In addition, the results of this study also contribute to the development of sharia financial literature and practices in Indonesia.

Based on the DSN-MUI fatwa NO. 108/DSN-MUI/X/2016 concerning Guidelines for the Implementation of Tourism Based on Sharia Principles, sharia hotels have provisions that can guide hotel owners regarding products, services and their management based on sharia principles. This research is a qualitative type of research in the form of a case study. Researchers examined the application of sharia hotel products, services and management at Hannah Syariah Homestay Palu and their conformity with the DSN-MUI fatwa NO. 108/DSN-MUI/X/2016 concerning Guidelines for Tourism Implementation Based on Sharia Principles. the primary data was taken from data obtained from Hannah Syariah Homestay Palu and secondary data was taken from books and journals related to research. The results of the study show that first, the application of sharia hotel products at Hannah Syariah Homestay Palu provides yoga sports facilities which are still carried out in an open yard so that disobedience can occur. Second, the implementation of sharia hotel services at Hannah Syariah Homestay Palu does not yet have a prayer room for guests and employees. Third, the management of the sharia hotel at Hannah Syariah Homestay Palu does not yet have a Sharia Supervisory Board (DPS) to oversee the Shariah Homestay. Fourth, Hannah Syariah Homestay Palu has not fully implemented sharia hotel regulations. Of the 8 elements of sharia hotel provisions in the Fatwa, there are 2 elements that are not appropriate.    

The rapid growth of financial technology (fintech) has significantly transformed the funding landscape for Small and Medium Enterprises (SMEs), offering innovative financial solutions beyond traditional banking institutions. This study presents a bibliometric analysis of fintech’s role in SME financing, identifying emerging trends and research gaps. Utilizing bibliographic coupling and co-occurrence network analysis, data from Scopus were analyzed to uncover the intellectual structure and evolution of research in this field. The results highlight key themes, including the integration of blockchain, peer-to-peer lending, financial inclusion, and crowdfunding in SME financing. A particular focus on Islamic finance and Islamic crowdfunding indicates a growing interest in alternative financing mechanisms that align with Sharia principles. Additionally, the study reveals an increasing academic focus on fintech adoption in developing economies, particularly in Indonesia and Nigeria, where access to capital remains a critical challenge. The findings underscore fintech’s role in democratizing financial access for SMEs, bridging funding gaps, and fostering economic growth. Future research should investigate regulatory frameworks, risk management strategies, and technological adoption models to optimize the impact of fintech on sustainability in SME financing.

This paper examines the implementation of the value of ta'awun (cooperation) in the process of collecting the Qur'anic manuscripts during the time of the companions as an inspiration for the development of an inclusive and equitable sharia economy. The collection of the Qur'anic manuscripts was a collective effort involving the companions, qira'at experts, and writers of revelation to maintain the purity of revelation and prevent division of the Muslim community. The value of cooperation reflected in the process is in line with the basic principles of sharia economics such as distributive justice, empowerment of the community, and inclusiveness. By using the library research method with a descriptive analysis approach, this study found that the application of the value of ta'awun can strengthen sharia economic practices through a fair partnership model and investment oriented towards collective welfare. In addition, this value also encourages the creation of an economic system that is not only based on efficiency, but also on ethics and sustainability. Thus, this study provides a conceptual contribution in linking Islamic traditions with contemporary economic practices, creating a harmonious ecosystem between spiritual values and material goals.  

This study aims to analyze the effectiveness of BYOND by BSI in improving service quality and customer satisfaction at BSI KCP Krian Sidoarjo. BYOND by BSI is a digital banking platform designed to improve service quality with various superior features, such as financial transactions, account opening, and service consultations based on sharia principles. The research method used is a qualitative approach with descriptive method. Data was obtained through interviews and Focus Group Discussions (FGD) with employees from various divisions. The results showed that BYOND by BSI provides significant convenience in banking transactions, reduces queues at tellers, and offers sharia-based features that increase customer loyalty. However, challenges such as low digital literacy and transaction security concerns still need to be addressed. The implementation of BYOND by BSI has been positive in improving service quality and customer satisfaction, and strengthening BSI's image as an innovative Islamic bank. BSI needs to continue to improve digital education, strengthen security systems, and develop new features to make BYOND by BSI more effective in the future.

This study aims to conduct a narrative review of the Sharia insurance product innovation literature, focusing on market trends and consumer preferences. This study is intended to provide a comprehensive understanding of the current developments in the Sharia insurance industry and identify opportunities for future product innovation. This literature review uses a narrative literature review method, conducted using academic databases from leading books and articles such as Scopus, Google Scholar and Web of Science. Searches using the keywords “product innovation,” “sharia insurance or takaful,” “market trends,” and “consumer preferences” resulted in a selection of relevant articles, which were then analyzed and categorized based on the main themes of sharia insurance market trends, consumer preferences, and product innovation. The review period covers publications from 2015 to 2024 to capture the current dynamics in the industry. The review results show a significant increase in interest in sharia insurance, especially after the global financial crisis. Market trends show a steady growth in adopting Sharia insurance across countries, with increasing consumer preference for products under Islamic principles. Product innovation has evolved from traditional models such as Mudarabah and Wakalah to more sophisticated approaches, including hybrid and Waqf-based products. The study also reveals the need for more diverse products tailored to the specific needs of local markets. The review highlights the need for further research on innovative Takaful product development. Sharia Insurance companies need to focus on better understanding consumer preferences and developing products that comply with Shariah principles and offer competitive added value. In addition, there is a need to explore the integration of digital technologies in the development and distribution of Takaful products. The study provides a comprehensive view of the current landscape of product innovation in the Takaful industry, emphasising market trends and consumer preferences. The review not only fills the gap in the existing literature but also provides a foundation for future research in this emerging field.

This research discusses the role of fatwa of Indonesian Ulema Council (MUI) in the development of Islamic financial products in Indonesia. By using document analysis method and interviews with Islamic scholars and practitioners, this study found that MUI's fatwa has a strategic role in providing sharia legitimacy to various Islamic financial products. However, the main challenge faced is the lack of public understanding of the principles of Islamic finance.

This research aims to analyze the gold investment mechanism through gold savings products at PT. Sharia Pawnshop Cab AR. Medan Judge and To determine the suitability of the gold investment mechanism through gold savings products, the mechanism is in accordance with MUI Fatwa No. 77/DSN-MUI/V/2010 or not.This research uses descriptive qualitative methods, with data collection techniques through in-depth interviews with employees and Nadabah PT. Sharia Pawnshop Cab AR. Medan Judge as well as observations, documentation and literature studies. The research results show that the gold investment mechanism in gold savings products has been running well, providing easy access for customers, and is assessed in accordance with sharia principles, namely DSN-MUI Fatwa No.77/V/2010 with a combination of wadiah (deposit) and murabahah (sale) contracts. buy) which provides flexibility and certainty for customers in managing gold savings. However, in the mechanism, various challenges arise. Such as customer understanding of the benefits and mechanisms as well as compliance with sharia principles (National Sharia Council Fatwa). The benefit of this research is to provide clear information to customers (the public) regarding the benefits and mechanisms of investing in gold through gold savings, so that it can serve as a guide in making investment decisions. Apart from that, the results of this research can be input for PT. Pegadaian Syariah always provides outreach and education to customers regarding the benefits and mechanisms as well as compliance with sharia. For the University, it can provide useful input and provide references in the field of sharia investment, especially regarding gold savings. This research concludes that gold investment through gold savings products at PT. Sharia pawnshops are a safe and sharia-compliant investment alternative, and have the potential to increase financial inclusion in Indonesia

The objective in this study involves demonstrating the importance in the role of Islamic economic units in eradicating accounting illiteracy, because the adoption of specific basics can enhance transparency and contribute to improving the level of financial reporting, which enhances confidence between investors and customers and thus facilitates decision-making and enables shareholders through informed decisions based on accurate financial information provided by those units, which achieves sustainable economic development and enhances the ability of those units to adapt to economic and social variables as The adoption of these units of Islamic accounting standards based on the principles of Islamic Sharia will help enable individuals working in these units and stakeholders to understand the principles of Islamic accounting and associated standards and then direct them towards correct investment decisions, this research used the deductive approach in the theoretical side and the inductive approach in the practical side by preparing a survey list for a sample of workers in Islamic economic units as well as investors and stakeholders, as the sample included 70 forms that were analyzed statistically. Using the SPSS program, it was concluded that there is a role for the adoption of Islamic economic units of AAOIFI  standards in the eradication of accounting illiteracy and its reflection on investment decisions, and the research recommends the need to pay attention to important methods and procedures in promoting accounting literacy in Islamic economic units through the organization of workshops and training courses for employees.Establishing educational curricula commensurate with their needs, cooperating with educational institutions, and preparing partnerships with universities and institutes to provide specialized educational programs to support this field, as accounting literacy in Islamic economic units needs integrated efforts based on activating Islamic accounting standards, which contributes to achieving sustainable development and enhancing economic performance.

Shariah banking has developed rapidly over the past few decades, but the development of shariah banking services is still not optimal. This article aims to analyze the development of shariah banking services from the perspective of Maqasid Syariah. The research findings indicate that the development of shariah banking services must be based on the principles of Maqasid Syariah, namely protecting religion, life, intellect, progeny, and wealth. This article also finds that shariah banking services that meet the principles of Maqasid Syariah can increase public trust in shariah banking and improve community welfare.. Therefore, shariah banks must develop more innovative services that meet community needs based on the principles of Maqasid Syariah.

Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.

Pension funds are an important instrument in financial planning designed to provide financial security for individuals after entering retirement. The main function of pension funds is as a reliable source of income to meet living needs in old age, as well as contributing to the quality of life and individual welfare. Research shows that pension funds can reduce financial risks, such as job loss and unexpected conditions that can interfere with work ability]. In addition, employees who prepare well for their retirement funds tend to experience lower levels of anxiety as they approach retirement, which shows that good planning can improve the quality of life]. The existence of pension funds also contributes to social and economic welfare, with adequate pension guarantees that can increase household consumption and support economic growth.. In the context of sharia pension funds, fund management is carried out based on sharia principles which prohibit the practice of usury and gharar, and implement transparency and social responsibility. The application of sharia contracts in the management of sharia pension funds, such as murabahah contracts, allows management in accordance with Islamic ethical principles. Sharia financial literacy is also a key factor in increasing public participation in sharia pension fund programs. Thus, effective retirement fund planning not only meets basic needs in old age, but also contributes to social and economic well-being, and improves the quality of life of individuals.

Akad is an essential element in Islamic economic transactions as it serves as the foundation of the agreement between the involved parties. The underlying principles of Sharia in managing contracts include justice, honesty, equality, and trust, with the aim of creating fair transactions in accordance with Islamic law. This article aims to examine the principles of Sharia in managing contracts and their implementation in various forms of Islamic economic transactions, such as Islamic banking, microfinance, and Shariah compliant capital markets. The qualitative approach is used with normative analysis of classical and contemporary Islamic literature, as well as a review of modern practices. The study's findings indicate that proper Shariah-compliant contract management not only ensures the legality of transactions but also enhances trust and blessings in economic activities. By understanding these principles, it is hoped that the community and economic players can implement contracts more wisely and responsibly.

The position of the mahram in Islamic marriage law is an important aspect that regulates who can be married and who cannot. Mahrams are divided into two categories: mahram mu'abbad and mahram ghairu mu'abbad. Initially, this law was based on tradition and nasab, but in the contemporary context, the understanding of mahram needs to be adapted to societal developments and practical needs without ignoring sharia principles. This journal will analyze the position of the mahram in Islamic marriage law, between tradition and contemporary needs.

Small and medium enterprises (SMEs) play a very important role in the economy, especially in developing countries like Indonesia. Developing countries such as Indonesia. This research aims to develop mentoring strategy for SMEs in the snack food sector, specifically “BROWSIST,” which faces challenges in digital marketing,operational efficiency, and implementation of sharia economic principles. Through qualitative descriptive approach, this research conducts mentoring with a focus on optimizing digital marketing, improving operational management, and integrating sharia principles in every aspect of the business. integration of sharia principles in every aspect of the business. The results of the mentoring showed a significant increase in turnover, number of customers, and operational efficiency after three months. efficiency after three months. In addition, stronger application of sharia principles in business transactions and finances principles in business transactions and finances strengthens BROWSIST's position in the halal market. halal market. This study suggests the importance of sustainability in brand development, increasing production capacity, and expanding market reach to support more sustainable business growth. market to support more sustainable business growth.

This paper examines the influence of Qatar’s Islamic identity on its policies during the 2022 FIFA World Cup, with a focus on LGBTQ rights. Using a constructivist approach, the study explores how Qatar’s adherence to Islamic principles, particularly Sharia law, shaped its regulations and responses to international pressures. Qatar's prohibition of LGBTQ symbols, despite assurances of safety for all attendees, including the LGBTQ community, drew significant criticism from Western nations and human rights organizations. The study highlights the tension between Qatar’s cultural and religious values and global expectations surrounding inclusivity and human rights. It also explores the broader implications of Qatar’s policies, reflecting its challenge of balancing traditional Islamic values while hosting a global event. Ultimately, this research sheds light on the complexities of cultural diplomacy and the difficulties nations like Qatar face in navigating conflicting global and local norms.

Misyar marriage is a form of marriage that emerged in Muslim society, where both parties agree to waive some of the rights and obligations that usually exist in traditional marriages, such as maintenance and housing. This study aims to analyze the phenomenon of Misyar marriage from the perspective of Islamic law, the objectives of sharia (maqashid asy-syari’ah), and its impact in social and moral contexts. The study was conducted using a normative approach to sources of Islamic law, such as the Qur'an, hadith, and the views of contemporary scholars. The results of the study indicate that Misyar marriage is valid according to sharia because it fulfills the pillars and requirements of marriage, such as ijab, qabul, guardian, witnesses, and dowry. However, scholars have different opinions regarding its law. Yusuf Qardhawi and Wahbah Zuhaili allow Misyar marriage on the condition that the wife is willing to waive her rights, while Muhammad Az-Zuhaili forbids it because it is considered contrary to the main purpose of marriage, which is to build a harmonious, just, and affectionate family. Meanwhile, Ibn Uthaymeen took a tawaqquf (cautious) position because even though it is valid, Misyar marriage has the potential to deviate from the maqashid asy-syari’ah. This study concludes that although Misyar marriage can be a pragmatic solution in certain situations, such as to meet biological needs or certain social conditions, this practice tends to raise ethical issues, injustice, and harm women. Therefore, it is recommended that couples considering Misyar marriage understand its implications in depth and seek solutions that are more in line with the principles of justice and harmony in Islam.

The implementation of Islamic economics in the modern financial system is an effort to create an economic system that is fair, transparent, and sustainable, based on the principles taught in the Qur'an and Sunnah. The main principles of Islamic economics, such as the prohibition of riba (interest), fairness in transactions, zakat, the prohibition of gharar (uncertainty), and the balance in wealth distribution, provide a strong foundation for the formation of a more inclusive and social economic system. However, its implementation in the era of globalization faces various challenges, such as the lack of uniformity in Islamic legal standards across countries, differences in legal interpretations, and the integration of new technologies like fintech, blockchain, and cryptocurrency, which often conflict with Islamic principles. One solution that can be pursued is the development of Sharia-compliant digital financial products that adhere to the principles of fair and transparent transactions. On the other hand, Islamic financial institutions need to improve operational efficiency and strengthen the Sharia Supervisory Board (SSB) to ensure that financial products are in line with Sharia principles. Education and training in Islamic economics are also key to building a better understanding and accelerating the adoption of Islamic economic principles in the global financial system. Through close collaboration between Islamic financial institutions, regulators, and educational institutions, it is hoped that Islamic economics can provide a more ethical and sustainable alternative in the international market.