At-Taradhi: Jurnal Studi Ekonomi
https://jurnal.uin-antasari.ac.id/index.php/taradhi
<p> </p> <table cellspacing="0" cellpadding="0"> <tbody align="top"> <tr> <td> <div>Journal Title</div> </td> <td> <div>: <strong>At-Taradhi: Jurnal Studi Ekonomi</strong></div> </td> </tr> <tr> <td> <div>ISSN</div> </td> <td> <div>: E-ISSN <strong><a href="https://issn.brin.go.id/terbit/detail/1481595337" target="_blank" rel="noopener">2548-9941</a></strong> P-ISSN <strong><a href="https://issn.brin.go.id/terbit/detail/1481595337" target="_blank" rel="noopener">1979-3804</a></strong></div> </td> </tr> <tr> <td> <div>DOI Prefix</div> </td> <td> <div>: Prefix <strong>10.18592 </strong>by Crossref </div> </td> </tr> <tr> <td> <div>Editor in Chief</div> </td> <td> <div>: <a href="https://www.scopus.com/authid/detail.uri?authorId=58617226400">Yulia Hafizah</a></div> </td> </tr> <tr> <td>Managing Editor</td> <td>: <a href="https://sinta.kemdikbud.go.id/authors/profile/6052259">Muhammad Rifqi Hidayat</a></td> </tr> <tr> <td>Publisher</td> <td>: <a href="https://www.uin-antasari.ac.id/" target="_blank" rel="noopener">Universitas Islam Negeri Antasari Banjarmasin</a></td> </tr> <tr> <td> <div>Frequency</div> </td> <td> <div>: 2 issues per year (July and December)</div> </td> </tr> <tr> <td valign="top"> <div>E-mail</div> </td> <td> <div>: [email protected]</div> </td> </tr> </tbody> </table> <p><strong>At-Taradhi: Jurnal Studi Ekonomi</strong> (<a href="https://issn.brin.go.id/terbit/detail/1481595337" target="_blank" rel="noopener">P-ISSN: 1979-3804</a>) and (<a href="https://issn.brin.go.id/terbit/detail/1481595337" target="_blank" rel="noopener">E-ISSN: 2548-9941</a>) is a peer-reviewed journal published biannually by the Faculty of Islamic Economics and Business at UIN Antasari Banjarmasin - Indonesia. The journal focused on primary studies of economics, banking, and Islamic economic, which consist of Management, Entrepreneurship, Economy Development, Accounting, Islamic Banking, Islamic Banking Regulations, Islamic Finance Institutions, Instruments of Islamic Finance, Islamic Accounting, Islamic Management, Islamic Business Ethics, Islamic Philanthropy, and Halal Business.</p> <p>This journal is an open-access journal, meaning that all content is freely available without charge to the user or his/her institution. Users are allowed to read, download, copy, distribute, print, search, or link to the full texts of the articles, or use them for any other lawful purpose, without asking prior permission from the publisher or the author. This is in accordance with the BOAI definition of open access.</p> <p>All papers submitted to the journal should be written in good English or Bahasa Indonesia and must be submitted online to: <strong>https://jurnal.uin-antasari.ac.id/index.php/taradhi/user/register. </strong>Should there be a problem with the online submission, please get in touch with Editorial Office at the following email address: [email protected]. The Journal has been indexed by <a href="https://doaj.org/toc/2548-9941" target="_blank" rel="noopener">Directory of Open Access Journal (DOAJ)</a>, <a href="https://scholar.google.co.id/citations?user=kPSX8gsAAAAJ&hl=en" target="_blank" rel="noopener">Google Scholar</a>, <a href="https://garuda.kemdikbud.go.id/journal/view/6335" target="_blank" rel="noopener">Portal Garuda</a>, <a href="https://moraref.kemenag.go.id/archives/journal/97874782241986113" target="_blank" rel="noopener">Moraref</a>, <a href="https://www.base-search.net/Search/Results?lookfor=At-Taradhi%3A+Jurnal+Studi+Ekonomi&name=&oaboost=1&newsearch=1&refid=dcbasen" target="_blank" rel="noopener">BASE</a>, <a href="https://app.dimensions.ai/discover/publication?search_mode=content&search_text=at-taradhi&search_type=kws&search_field=full_search" target="_blank" rel="noopener">Dimensions</a>, etc, and is accredited SINTA 4 (<a href="https://drive.google.com/file/d/1RXhEB-kSF1W_bAE3keWxma9-v9w-1jKV/view?usp=sharing" target="_blank" rel="noopener">SK: 23/E/KPT/2019</a>) by the Ministry of Research, Technology, and Higher Education of the Republic of Indonesia. At-Taradhi: Jurnal Studi Ekonomi is also a <a href="http://www.crossref.org/" target="_blank" rel="noopener">CrossRef Member</a>. Therefore, all articles published by At-Taradhi: Jurnal Studi Ekonomi will have a UNIQUE DOI.</p> <p> </p>Islamic Economics and Business Faculty of UIN Antasarien-USAt-Taradhi: Jurnal Studi Ekonomi1979-3804<p>Authors who publish with this journal agree to the following terms:<br /><br /></p><ul><li>Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a <a href="https://creativecommons.org/licenses/by/4.0/" target="_blank">Creative Commons Attribution License</a> that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.</li></ul><ul><li>Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.</li></ul><ul><li>Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.</li></ul>Critical Analysis of the Khiyar Option in IMBT Contracts for Heavy Equipment Leasing in Infrastructure Projects
https://jurnal.uin-antasari.ac.id/index.php/taradhi/article/view/16055
<p>The Ijarah Muntahiyah Bit Tamlik (IMBT) contract is a Sharia-compliant financial instrument that enables lessees to acquire ownership of leased assets at the end of the lease period, as stipulated in DSN-MUI Fatwa No. 27/DSN-MUI/III/2002. However, in practice, assets such as heavy equipment intended to be owned at the end of the contract are often no longer viable due to age or wear and tear. This article examines the option of adding a khiyar (choice) for lessees to lease new equipment at the end of the contract, considering aspects of maslahah (public benefit) and subsidies derived from the previous IMBT agreement. Using a normative-juridical approach and fiqh analysis, the article assesses the compatibility of this option within the framework of Islamic law. Although not explicitly mentioned in hadith, Sharia principles support the development of this concept in a contemporary context. The findings indicate that the khiyar option for leasing new equipment has the potential to increase customer satisfaction, reduce loss risks, and strengthen the relationship between banks and clients. For Islamic financial institutions, this strategy can enhance competitiveness and service transparency. The study emphasizes the importance of enhancing flexibility in IMBT contracts to offer more sustainable solutions, particularly in supporting future Sharia-based infrastructure projects.</p> <p> </p> <p><em>Akad Ijarah Muntahiyah Bit Tamlik (IMBT) merupakan instrumen keuangan syariah yang memungkinkan penyewa memiliki barang sewaan setelah masa sewa berakhir, sebagaimana diatur dalam Fatwa DSN-MUI No. 27/DSN-MUI/III/2002. Namun, dalam praktiknya, aset seperti alat berat yang akan dimiliki di akhir akad sering kali sudah tidak layak guna karena usia atau keausan. Artikel ini mengkaji opsi penambahan khiyar untuk menyewa alat baru pada akhir masa akad, dengan mempertimbangkan aspek maslahah dan subsidi dari akad sebelumnya. Dengan pendekatan yuridis-normatif dan analisis fiqih, artikel ini menilai kesesuaian opsi tersebut dalam kerangka hukum Islam. Meskipun tidak disebutkan secara eksplisit dalam hadith, prinsip-prinsip syariah mendukung pengembangan opsi ini dalam konteks kontemporer. Hasil kajian menunjukkan bahwa opsi khiyar sewa baru berpotensi meningkatkan kepuasan nasabah, mengurangi risiko kerugian, serta memperkuat hubungan antara bank dan nasabah. Bagi lembaga keuangan syariah, strategi ini dapat meningkatkan daya saing dan transparansi layanan. Penelitian ini menegaskan pentingnya penguatan fleksibilitas dalam akad IMBT guna menciptakan solusi yang lebih berkelanjutan, terutama dalam mendukung proyek-proyek infrastruktur berbasis syariah di masa mendatang.</em></p>Tri ChamauliddahMiti YarmunidaNenan Julir
Copyright (c) 2025 Tri Chamauliddah, Miti Yarmunida, Nenan Julir
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2025-06-102025-06-1016111310.18592/taradhi.v16i1.16055Empowering The Informal Economy Through Islamic Social Finance: Insights from Islamic Economic Principles for Inclusive Development
https://jurnal.uin-antasari.ac.id/index.php/taradhi/article/view/16301
<p>The informal sector continues to dominate employment in many developing countries, including Indonesia, providing livelihoods for millions of workers who often lack access to social protection and economic security. This paper examines the origin and development of the informal economy and explores its structural determinants. Additionally, it highlights the role of Islamic economics, particularly the potential of Islamic social finance instruments—zakat, infāq, ṣadaqah, and waqf (ZISWAF)—in supporting inclusive and sustainable development within the informal sector. Employing a descriptive-qualitative approach, this study integrates content analysis, literature review, and critical analysis of both mainstream and Islamic economic perspectives. The conceptual model developed in this paper positions Islamic economic principles such as falah, maslahah, and social justice as key drivers for empowering informal sector workers. By aligning these principles with the objectives of maqāṣid al-sharī‘ah, the framework provides strategic directions for capacity building, ethical financing, and inclusive growth. The findings suggest that productive utilization of ZISWAF can facilitate the transition of informal workers toward economic resilience and formal sector integration. This study calls for collaborative engagement among government, private sector, and Islamic philanthropic institutions to ensure the realization of sustainable development goals, underpinned by ethical and spiritual commitments.</p> <p><em>Sektor informal terus mendominasi lapangan kerja di banyak negara berkembang, termasuk Indonesia, dengan menyediakan mata pencaharian bagi jutaan pekerja yang sering kali tidak memiliki akses terhadap perlindungan sosial dan jaminan ekonomi. Penelitian ini mengkaji asal-usul dan perkembangan ekonomi informal serta mengeksplorasi faktor-faktor struktural yang menjadi penentunya. Selain itu, penelitian ini menyoroti peran ekonomi Islam, khususnya potensi instrumen keuangan sosial Islam—zakat, infāq, ṣadaqah, dan wakaf (ZISWAF)—dalam mendukung pembangunan yang inklusif dan berkelanjutan di sektor informal. Melalui pendekatan deskriptif-kualitatif, studi ini mengintegrasikan analisis isi, kajian literatur, dan studi kritis terhadap perspektif ekonomi arus utama dan ekonomi Islam. Model konseptual yang dikembangkan dalam penelitian ini menempatkan prinsip-prinsip ekonomi Islam seperti falah (kesejahteraan holistik), maslahah (kemaslahatan umum), dan keadilan sosial sebagai pendorong utama dalam memberdayakan pekerja di sektor informal. Dengan menyelaraskan prinsip-prinsip tersebut dengan tujuan maqāṣid al-sharī‘ah, kerangka ini memberikan arahan strategis dalam penguatan kapasitas, pembiayaan berbasis etika, dan pertumbuhan yang inklusif. Temuan penelitian ini menunjukkan bahwa pemanfaatan ZISWAF secara produktif berpotensi memfasilitasi transisi pekerja informal menuju ketahanan ekonomi dan integrasi ke dalam sektor formal. Studi ini juga mengajak adanya kolaborasi yang sinergis antara pemerintah, sektor swasta, dan lembaga filantropi Islam guna mewujudkan tujuan pembangunan berkelanjutan yang berlandaskan komitmen etis dan spiritual.</em></p>Husna KarimahAzizah Akbariani AhmadMuhammad Ariq Athallah Akbar
Copyright (c) 2025 Husna Karimah, Azizah Akbariani Ahmad, Muhammad Ariq Athallah Akbar
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2025-06-102025-06-10161143310.18592/taradhi.v16i1.16301Muslim Societies and Environmental Conservation: Economics and Policy
https://jurnal.uin-antasari.ac.id/index.php/taradhi/article/view/15697
<p><em>The development of the conversion of rice fields and peatlands in Gambut Sub-district, Banjar Regency into residential areas has occurred since the 2000s. Today, 55 new settlement complexes have been established. Several factors are suspected to be the cause and are interrelated, including religious knowledge, power relations and control power from policy holders and economic needs. This study aims to trace the relationship between Muslim communities and environmental conservation and how far regulatory and economic factors affect environmental conservation. This research adopts quantitative research method using survey as the research instrument. The population used in this research is the community of Gambut Sub-district with a sample of 120 respondents. The results were tested using multiple linear regression test method. Based on the results, economic and policy variables partially and simultaneously have a significant influence on environmental conservation variables, where the Muslim community of Gambut plays an important role in environmental conservation by maintaining biodiversity, and preserving local wisdom in social and environmental interactions. Effective environmental conservation policies, which involve all sectors of society, can balance economic growth and policies that make economic stability and better environmental protection.</em></p> <p> </p> <p>Perkembangan alih fungsi persawahan dan lahan gambut di Kecamatan Gambut Kabupaten Banjar menjadi area perumahan telah terjadi sejak tahun 2000-an. Saat ini telah berdiri 55 komplek permukiman baru. Ada beberapa faktor yang dicurigai menjadi penyebab dan saling berkaitan diantaranya pengetahuan agama, relasi kuasa dan kekuatan kontrol dari pemegang kebijakan dan kebutuhan ekonomi. Penelitian ini bertujuan untuk melacak keterkaitan antara masyarakat muslim dan konservasi lingkungan serta seberapa jauh faktor regulasi dan ekonomi berpengaruh terhadap konservasi lingkungan. Penelitian ini mengadopsi metode penelitian kuantitatif dengan menggunakan survey sebagai instrumen penelitian. Populasi yang digunakan pada penelitian ini adalah masyarakat Kecamatan Gambut dengan sampel sebanyak 120 orang responden. Hasil penelitian diuji dengan menggunakan metode uji regresi linear berganda. Berdasarkan hasil penelitian, variabel ekonomi dan kebijakan secara parsial dan simultan memiliki pengaruh yang signifikan terhadap variabel konservasi lingkungan, dimana masyarakat Muslim Gambut memainkan peran penting dalam konservasi lingkungan dengan menjaga keanekaragaman hayati, dan melestarikan kearifan lokal dalam interaksi sosial dan lingkungan. Kebijakan konservasi lingkungan yang efektif, yang melibatkan semua sektor masyarakat, dapat menyeimbangkan pertumbuhan ekonomi dan kebijakan yang menjadikan kestabilitas ekonomi dan perlindungan lingkungan yang lebih baik.</p>Sukarni SukarniMuhammad SauqiLisda AisyahMuhammad Raihan Rafly
Copyright (c) 2025 Sukarni Sukarni, Muhammad Sauqi, Lisda Aisyah, Muhammad Raihan Rafly
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2025-06-132025-06-13161344610.18592/taradhi.v16i1.15697The Usury-Free Social Movement and the Transformation of Islamic Economics: A Case Study of the Interest-Free Community in South Kalimantan
https://jurnal.uin-antasari.ac.id/index.php/taradhi/article/view/16867
<p><em>The widespread practice of riba (usury) through conventional financial systems—such as interest-based loans and consumer financing—has triggered a crisis of trust among Indonesian Muslims. This study aims to analyze the Masyarakat Tanpa Riba (MTR, or Society Without Usury) movement in South Kalimantan as a form of resistance against usurious systems and as an effort to build an economy based on Islamic values. Employing a qualitative case study approach, data were collected through in-depth interviews, participatory observations, and document analysis. The findings reveal that MTR fosters anti-riba awareness through a combination of scriptural (naqli) references, spiritual reflection, and systematic educational methods. Its core strategies include tiered seminars, commitment reinforcement through the Ultimate Life Changing (ULC) sessions, and the cultivation of group solidarity via emotionally charged forums such as What I Feel Like Expression (WIFLE). The community reinterprets riba practices in contexts such as leasing, mortgages, and pilgrimage financing with a literalist reading of Islamic texts. The MTR movement not only provides practical solutions to debt crises but also enables lifestyle transformation and shifts in business practices among its members. This study highlights how religious values can serve as a catalyst for community-driven economic transformation and ethical reform.</em></p> <p> </p> <p>Praktik riba yang tersebar luas melalui sistem keuangan konvensional, termasuk pinjaman berbunga dan pembiayaan konsumtif, telah menimbulkan krisis kepercayaan di kalangan masyarakat Muslim Indonesia. Studi ini bertujuan untuk menganalisis gerakan sosial Masyarakat Tanpa Riba (MTR) di Kalimantan Selatan sebagai bentuk resistensi terhadap sistem ekonomi ribawi serta sebagai upaya membangun model ekonomi berbasis nilai-nilai Islam. Menggunakan pendekatan kualitatif dengan studi kasus, data diperoleh melalui wawancara mendalam, observasi partisipatif, dan telaah dokumen. Hasil penelitian menunjukkan bahwa gerakan MTR membangun kesadaran anti-riba melalui kombinasi dalil naqli, pengalaman spiritual, dan pendekatan edukatif yang sistematis. Strategi utama mereka meliputi seminar berjenjang, penguatan komitmen melalui forum ULC (Ultimate Life Changing), serta pembentukan solidaritas melalui ekspresi emosional kolektif seperti sesi <em>What I Feel Like Expression</em> (WIFLE). Komunitas ini juga mendefinisikan ulang praktik riba dalam konteks leasing, KPR, dan dana talangan dengan pendekatan yang lebih literal terhadap teks keagamaan. Gerakan MTR tidak hanya menawarkan solusi praktis atas krisis utang, tetapi juga membentuk transformasi gaya hidup dan pola bisnis anggotanya. Studi ini memperlihatkan bagaimana nilai religius dapat menjadi motor penggerak transformasi ekonomi berbasis komunitas dan spiritualitas.</p>Novita AlfinuriYulia HafizahNoorwahidah Haisy
Copyright (c) 2025 Novita Alfinuri, Yulia Hafizah; Noorwahidah Haisy
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2025-06-132025-06-13161476410.18592/taradhi.v16i1.16867