PERAN MAQASID SYARIAH DALAM MEWUJUDKAN KEUANGAN INKLUSIF: STUDI PEMBIAYAAN MIKRO PADA BANK MEKAR SYARIAH DI BURNEH, BANGKALAN
DOI:
https://doi.org/10.47281/fas.v7i1.283Keywords:
Islamic banking, Islamic business law, inclusive finance, maqasid sharia, microfinanceAbstract
Inclusive finance is a national and global strategic agenda to increase access to financial services for the community that has not been served, especially micro business actors. In the context of sharia business law, maqashid sharia becomes a normative framework that can direct financial practices to not only be profit-oriented, but also ensure justice, blessings, and sustainability. This article aims to analyze the role of sharia maqashid in realizing inclusive finance through a case study of microfinance at Bank Mekar Syariah Burneh. The research uses a qualitative approach with case study methods through in-depth interviews, observations, and document analysis, which is then processed with Miles & Huberman data analysis techniques and source triangulation. The results of the study show that the implementation of maqashid sharia is reflected in the financing orientation that emphasizes the principles of justice, property protection (hifdz al-mal), improving the quality of life, and the sustainability of customer businesses. The sharia microfinance strategy has been proven to be able to expand access to finance, increase literacy, and strengthen the economic empowerment of small communities. This study confirms that the integration of sharia maqashid with inclusive financial indicators not only strengthens the sharia business legal literature, but also offers a microfinance model that can be replicated by other sharia financial institutions in Indonesia.
References
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Al-Shatibi, A.I. (1997) Al-Muwafaqat fi Usul al-Shari’ah, Jilid II. Beirut: Dar al-Ma’rifah.
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Antonio, M.S. (2011) Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani.
Anwar, P.A. et al. (2024) ‘Konsep Maqasis Syariah Dalam Mengatasi Tantangan Sosial Dan Bubaya Di Era Globalisasi’, Dakwatul IslamJurnal Ilmiah Prodi PMIInstitut Agama Islam Diniyah Pekanbaru, 9(1), pp. 59–86.
Ascarya and Yumanita (2021) ‘Islamic Microfinance and Financial Inclusion in Indonesia’, Journal of Islamic Monetary Economics and Finance, 7(2), p. 2021.
Ascarya and Yumanita, D. (2021) ‘Islamic Microfinance and Financial Inclusion in Indonesia’, Journal of Islamic Monetary Economics and Finance, 7(2), pp. 243–268.
Auda, J. (2008a) Maqasid al-Shariah as Philosophy of Islamic Law: A Systems Approach. London: IIIT.
Auda, J. (2008b) Maqasid al-Shariah as Philosophy of Islamic Law. London: International Institute of Islamic Thought (IIIT).
Auda, J. (2008c) Maqasid Al-Shariah As Philosophy Of Islamic Law. London: International Institute of Islamic Thought.
Auda, J. (2018) Maqasid al-Shariah as Philosophy of Islamic Law: A Systems Approach. London: IIIT.
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Begum, H. (2019) ‘Development of Islamic microfinance: a sustainable poverty alleviation approach’, International Journal of Islamic Economics and Finance Studies, 5(2), pp. 45–62.
Bouheraoua, A.W.D.& S. (2011) The Framework of Maqasid al-Shariah and Its Implication for Islamic Finance.
Bouheraoua, M. (2011) ‘Theoretical Framework of an Islamic Microfinance Institution’, ISRA International Journal of Islamic Finance, 3(2), pp. 25–38.
Chapra, M.U. (2016) The Future of Economics: An Islamic Perspective. UK: Islamic Foundation.
Demirguc-Kunt, A. et al. (2018) The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank.
Dusuki, A.W. and Bouheraoua, S. (2011) ‘The Framework of Maqasid al-Shariah and Its Implication for Islamic Finance’, Islamic Economic Studies, 19(2), pp. 173–206.
Dusuki, Wajdi, A. and Bouheraoua, S. (2011) ‘The Framework of Maqasid al-Shariah and Its Implication for Islamic Finance’, Islamic Economic Studies, 19(2), pp. 329–336.
Febianto, I., Fitrijanti, T. and Andriani, D. (2020) ‘Microfinance and Maqasid al-Shariah: Evidence from Islamic Microfinance Institutions in Indonesia’, Humanomics, 36(2), pp. 1–15. Available at: https://doi.org/10.1108/H-07-2019-0139.
Ginanjar, A. and Kassim, S.H. (2022) ‘Roles of Islamic Microfinance Institutions in Improving Financial Inclusion in Indonesia: Empirical Evidence from Baitulmaal wa Tamwil’, Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 14(1), pp. 1–20. Available at: https://journal.uinjkt.ac.id/index.php/iqtishad/article/view/19842.
Haneef et al. (2019) ‘Integration of Islamic Social Finance and Islamic Microfinance for Poverty Alleviation’, International Journal of Islamic and Middle Eastern Finance and Management, 12(2), pp. 222–236.
Hidayat, M.S. et al. (2023) ‘Financial Inclusion through Islamic Microfinance: Empirical Evidence from Developing Countries’, International Journal of Social Research and Management, 11(1), pp. 45–60. Available at: https://ijsrm.net/index.php/ijsrm/article/view/4801.
Hidayatullah, M.A. and Faraby, M.E. (2023) ‘Analisis Perilaku Konsumen Pada Warung Kopi Ditinjau Dari Maqasid Syariah Al-Syaitibi’, Jurnal Kaffa, 2(2), pp. 121–137. Available at: file:///C:/Users/hp/Downloads/27287-75343-1-SM (1).pdf.
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Jamaludin, N., Miftahurrahmah and Muizzudin (2023) ‘Islamic Micro Finance Institutions’ Existence, Role, and Challenges in Developing the Indonesian Micro Business Sector Post Covid-19’, Ekonomika Syariah: Journal of Economic Studies, 9(2), pp. 200–215. Available at: https://ejournal.uinbukittinggi.ac.id/index.php/febi/article/view/7254.
Javier Nixon Oktorifa Ramadhan, Fadillah Amanda Ali and Mahipal (2025) ‘Penerapan Hifdz An-Nasl Terhadap Dinamika Sosial Masyarakat Indonesia’, Jurnal IHSAN Jurnal Pendidikan Islam, 3(2), pp. 435–441. Available at: https://doi.org/10.61104/ihsan.v3i2.1005.
Jumiati (2025) ‘Wawancara pribadi’.
Kamali, M.H. (2019) Maqasid al-Shariah Made Simple. Kuala Lumpur: International Institute of Advanced Islamic Studies.
Khan, M., Hassan, M.K. and Rabbani, M.R. (2021) ‘Monitoring in Islamic microfinance and sustainability of small businesses’, International Journal of Ethics and Systems, 37(4), pp. 635–654.
Maulana, H. and Umam, K. (2023) ‘Identifying Financial Exclusion and Islamic Microfinance as An Alternative to Enhance Financial Inclusion’, International Journal of Islamic Business and Economics (IJIBEC), 7(2), pp. 150–165. Available at: https://e-journal.uingusdur.ac.id/Ijibec/article/view/1934.
Misliana and Komaruddin, S. (2024) ‘Eksplorasii Dimensi-dimensi AL-QUR’AN Dalam HIFDZ AL-AQL (Analisis TematikK AL-ISRA’ Ayat 9)’, Inspirasi Edukatif: Jurnal Pembelajaran Aktif, 5(4), pp. 204–217.
Morgan, P. and Long, T. (2020) Financial inclusion in emerging Asia: Assessment and recommendations. Available at: https://doi.org/10.22617/WPS200167-2.
Muhammad Irkham Firdaus, Mohammad Ghozali and Maharani Pradnya Paramita (2023) ‘Analisis Teori Hifdz Al-Maal Terhadap Instrumen Hedging (Lindung Nilai)’, Syarikat: Jurnal Rumpun Ekonomi Syariah, 6(2), pp. 327–335. Available at: https://doi.org/10.25299/syarikat.2023.vol6(2).13200.
Muhammad, M.R. and Anwar, O.Z. (2023) ‘Teori Hifz Al-Nafs Dalam Maqasid Syariah: Analisis Pendalilan’, Journal of Muwafaqat, 6(1), pp. 1–13.
Musadad, A. et al. (2024) ‘Korelasi Hukum dan Ekonomi dalam Perspektif Hukum Ekonomi Syariah : Studi Konsepsi dan Kontribusi Abstract ’:, Al-Huquq: Journal of Indonesian Islamic Economic Law, 6(2), pp. 174–200. Available at: https://ejournal.iainmadura.ac.id/index.php/alhuquq/article/view/11959/4560.
Muslimah (2025) ‘Wawancara Pribadi’.
Obaidullah, M. (2020) ‘Islamic microfinance and poverty alleviation: experiences from Asia’, Review of Islamic Economics, 24(2), pp. 233–250.
Obaidullah, M. and Khan, T. (2008) Islamic Microfinance Development: Challenges and Initiatives. Jeddah: Islamic Research and Training Institute.
Otoritas Jasa Keuangan (2022) ‘Survei Nasional Literasi dan Inklusi Keuangan 2022’.
Putra, F.M.A. et al. (2023) ‘Comparative Analysis The Role of Islamic and Conventional Microfinance Institutions in Supporting the Welfare of Economically Vulnerable Communities’, Journal of Management and Islamic Finance, 2(1), pp. 77–95. Available at: https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/10407.
Rahman, A.R.A. (2020) ‘Islamic microfinance: A Maqasid al-Shariah-based model’, Journal of Islamic Finance, 9(1), pp. 1–14. Available at: https://doi.org/10.12816/0057989.
Rahman, T. (2024) ‘Keputusan Pelaku UMKM Dalam Memilih Pembiayaan Berbasis Syariah(Studi Komparasi Pada BMT Nusantara, Pegadaian Syariah, KSPPS Nuri Jatim di Kabupaten Bangkalan)’, Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(2), pp. 852–866. Available at: https://doi.org/10.47467/alkharaj.v6i2.3575.
Rammal, H.G. and Parker, L.D. (2019) ‘Islamic microfinance: meeting financial inclusion needs’, Accounting, Auditing & Accountability Journal, 32(3), pp. 759–781.
Rokhim, A. and Supardi, I. (2021) ‘Menafsir Ulang Konsep Hifz ad-Dîn dalam Konteks Indonesia’, Jurnal Ilmiah Mahasiswa Raushan Fikr, 10(1), pp. 91–103. Available at: https://doi.org/10.24090/jimrf.v10i1.4922.
Romi (2025) ‘Wawancara pribadi’.
Salleh, M.C.M. and Arshad, N.C. (2021) ‘Islamic microfinance and SDGs: maqasid syariah approach’, Journal of Islamic Finance and Business Research, 9(2), pp. 120–136.
Sarma, M. (2008a) Index of Financial Inclusion, Working Paper No. 215, Indian Council for Research on International Economic Relations.
Sarma, M. (2008b) Index of Financial Inclusion.
Abdullah, A. and Chong, R. (2019) ‘Islamic finance and financial inclusion: a review of the literature’, International Journal of Islamic and Middle Eastern Finance and Management, 12(4), pp. 584–600.
Al-Ghazali (1993) Al-Mustashfa min ’Ilm al-Usul, Jilid I. Beirut: Dar al-Kutub al-’Ilmiyyah.
Al-Shatibi, A.I. (1997) Al-Muwafaqat fi Usul al-Shari’ah, Jilid II. Beirut: Dar al-Ma’rifah.
Amalia, N.R. (2017) ‘Untuk Realisasi Identitas Politik Islam Di Indonesia’, Dauliyah : Journal of Islamic and International Affairs, 2(1), pp. 31–50. Available at: https://ejournal.unida.gontor.ac.id/index.php/dauliyah/article/view/806/681.
Antonio, M.S. (2011) Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani.
Anwar, P.A. et al. (2024) ‘Konsep Maqasis Syariah Dalam Mengatasi Tantangan Sosial Dan Bubaya Di Era Globalisasi’, Dakwatul IslamJurnal Ilmiah Prodi PMIInstitut Agama Islam Diniyah Pekanbaru, 9(1), pp. 59–86.
Ascarya and Yumanita (2021) ‘Islamic Microfinance and Financial Inclusion in Indonesia’, Journal of Islamic Monetary Economics and Finance, 7(2), p. 2021.
Ascarya and Yumanita, D. (2021) ‘Islamic Microfinance and Financial Inclusion in Indonesia’, Journal of Islamic Monetary Economics and Finance, 7(2), pp. 243–268.
Auda, J. (2008a) Maqasid al-Shariah as Philosophy of Islamic Law: A Systems Approach. London: IIIT.
Auda, J. (2008b) Maqasid al-Shariah as Philosophy of Islamic Law. London: International Institute of Islamic Thought (IIIT).
Auda, J. (2008c) Maqasid Al-Shariah As Philosophy Of Islamic Law. London: International Institute of Islamic Thought.
Auda, J. (2018) Maqasid al-Shariah as Philosophy of Islamic Law: A Systems Approach. London: IIIT.
Bank Indonesia (2019) ‘Strategi Nasional Keuangan Inklusif (SNKI)’. Jakarta: Bank Indonesia.
Begum, H. (2019) ‘Development of Islamic microfinance: a sustainable poverty alleviation approach’, International Journal of Islamic Economics and Finance Studies, 5(2), pp. 45–62.
Bouheraoua, A.W.D.& S. (2011) The Framework of Maqasid al-Shariah and Its Implication for Islamic Finance.
Bouheraoua, M. (2011) ‘Theoretical Framework of an Islamic Microfinance Institution’, ISRA International Journal of Islamic Finance, 3(2), pp. 25–38.
Chapra, M.U. (2016) The Future of Economics: An Islamic Perspective. UK: Islamic Foundation.
Demirguc-Kunt, A. et al. (2018) The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank.
Dusuki, A.W. and Bouheraoua, S. (2011) ‘The Framework of Maqasid al-Shariah and Its Implication for Islamic Finance’, Islamic Economic Studies, 19(2), pp. 173–206.
Dusuki, Wajdi, A. and Bouheraoua, S. (2011) ‘The Framework of Maqasid al-Shariah and Its Implication for Islamic Finance’, Islamic Economic Studies, 19(2), pp. 329–336.
Febianto, I., Fitrijanti, T. and Andriani, D. (2020) ‘Microfinance and Maqasid al-Shariah: Evidence from Islamic Microfinance Institutions in Indonesia’, Humanomics, 36(2), pp. 1–15. Available at: https://doi.org/10.1108/H-07-2019-0139.
Ginanjar, A. and Kassim, S.H. (2022) ‘Roles of Islamic Microfinance Institutions in Improving Financial Inclusion in Indonesia: Empirical Evidence from Baitulmaal wa Tamwil’, Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 14(1), pp. 1–20. Available at: https://journal.uinjkt.ac.id/index.php/iqtishad/article/view/19842.
Haneef et al. (2019) ‘Integration of Islamic Social Finance and Islamic Microfinance for Poverty Alleviation’, International Journal of Islamic and Middle Eastern Finance and Management, 12(2), pp. 222–236.
Hidayat, M.S. et al. (2023) ‘Financial Inclusion through Islamic Microfinance: Empirical Evidence from Developing Countries’, International Journal of Social Research and Management, 11(1), pp. 45–60. Available at: https://ijsrm.net/index.php/ijsrm/article/view/4801.
Hidayatullah, M.A. and Faraby, M.E. (2023) ‘Analisis Perilaku Konsumen Pada Warung Kopi Ditinjau Dari Maqasid Syariah Al-Syaitibi’, Jurnal Kaffa, 2(2), pp. 121–137. Available at: file:///C:/Users/hp/Downloads/27287-75343-1-SM (1).pdf.
Hudaefi, F.A. and Beik, I.S. (2021) ‘Digital zakat and SDGs in Indonesia: A Maqasid al-Shariah perspective’, Journal of Islamic Accounting and Business Research, 12(1), pp. 1–18. Available at: https://doi.org/10.1108/JIABR-05-2019-0087.
Irfan (2025) ‘Wawancara pribadi’.
Jamaludin, N., Miftahurrahmah and Muizzudin (2023) ‘Islamic Micro Finance Institutions’ Existence, Role, and Challenges in Developing the Indonesian Micro Business Sector Post Covid-19’, Ekonomika Syariah: Journal of Economic Studies, 9(2), pp. 200–215. Available at: https://ejournal.uinbukittinggi.ac.id/index.php/febi/article/view/7254.
Javier Nixon Oktorifa Ramadhan, Fadillah Amanda Ali and Mahipal (2025) ‘Penerapan Hifdz An-Nasl Terhadap Dinamika Sosial Masyarakat Indonesia’, Jurnal IHSAN Jurnal Pendidikan Islam, 3(2), pp. 435–441. Available at: https://doi.org/10.61104/ihsan.v3i2.1005.
Jumiati (2025) ‘Wawancara pribadi’.
Kamali, M.H. (2019) Maqasid al-Shariah Made Simple. Kuala Lumpur: International Institute of Advanced Islamic Studies.
Khan, M., Hassan, M.K. and Rabbani, M.R. (2021) ‘Monitoring in Islamic microfinance and sustainability of small businesses’, International Journal of Ethics and Systems, 37(4), pp. 635–654.
Maulana, H. and Umam, K. (2023) ‘Identifying Financial Exclusion and Islamic Microfinance as An Alternative to Enhance Financial Inclusion’, International Journal of Islamic Business and Economics (IJIBEC), 7(2), pp. 150–165. Available at: https://e-journal.uingusdur.ac.id/Ijibec/article/view/1934.
Misliana and Komaruddin, S. (2024) ‘Eksplorasii Dimensi-dimensi AL-QUR’AN Dalam HIFDZ AL-AQL (Analisis TematikK AL-ISRA’ Ayat 9)’, Inspirasi Edukatif: Jurnal Pembelajaran Aktif, 5(4), pp. 204–217.
Morgan, P. and Long, T. (2020) Financial inclusion in emerging Asia: Assessment and recommendations. Available at: https://doi.org/10.22617/WPS200167-2.
Muhammad Irkham Firdaus, Mohammad Ghozali and Maharani Pradnya Paramita (2023) ‘Analisis Teori Hifdz Al-Maal Terhadap Instrumen Hedging (Lindung Nilai)’, Syarikat: Jurnal Rumpun Ekonomi Syariah, 6(2), pp. 327–335. Available at: https://doi.org/10.25299/syarikat.2023.vol6(2).13200.
Muhammad, M.R. and Anwar, O.Z. (2023) ‘Teori Hifz Al-Nafs Dalam Maqasid Syariah: Analisis Pendalilan’, Journal of Muwafaqat, 6(1), pp. 1–13.
Musadad, A. et al. (2024) ‘Korelasi Hukum dan Ekonomi dalam Perspektif Hukum Ekonomi Syariah : Studi Konsepsi dan Kontribusi Abstract ’:, Al-Huquq: Journal of Indonesian Islamic Economic Law, 6(2), pp. 174–200. Available at: https://ejournal.iainmadura.ac.id/index.php/alhuquq/article/view/11959/4560.
Muslimah (2025) ‘Wawancara Pribadi’.
Obaidullah, M. (2020) ‘Islamic microfinance and poverty alleviation: experiences from Asia’, Review of Islamic Economics, 24(2), pp. 233–250.
Obaidullah, M. and Khan, T. (2008) Islamic Microfinance Development: Challenges and Initiatives. Jeddah: Islamic Research and Training Institute.
Otoritas Jasa Keuangan (2022) ‘Survei Nasional Literasi dan Inklusi Keuangan 2022’.
Putra, F.M.A. et al. (2023) ‘Comparative Analysis The Role of Islamic and Conventional Microfinance Institutions in Supporting the Welfare of Economically Vulnerable Communities’, Journal of Management and Islamic Finance, 2(1), pp. 77–95. Available at: https://ejournal.uinsaid.ac.id/index.php/jmif/article/view/10407.
Rahman, A.R.A. (2020) ‘Islamic microfinance: A Maqasid al-Shariah-based model’, Journal of Islamic Finance, 9(1), pp. 1–14. Available at: https://doi.org/10.12816/0057989.
Rahman, T. (2024) ‘Keputusan Pelaku UMKM Dalam Memilih Pembiayaan Berbasis Syariah(Studi Komparasi Pada BMT Nusantara, Pegadaian Syariah, KSPPS Nuri Jatim di Kabupaten Bangkalan)’, Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(2), pp. 852–866. Available at: https://doi.org/10.47467/alkharaj.v6i2.3575.
Rammal, H.G. and Parker, L.D. (2019) ‘Islamic microfinance: meeting financial inclusion needs’, Accounting, Auditing & Accountability Journal, 32(3), pp. 759–781.
Rokhim, A. and Supardi, I. (2021) ‘Menafsir Ulang Konsep Hifz ad-Dîn dalam Konteks Indonesia’, Jurnal Ilmiah Mahasiswa Raushan Fikr, 10(1), pp. 91–103. Available at: https://doi.org/10.24090/jimrf.v10i1.4922.
Romi (2025) ‘Wawancara pribadi’.
Salleh, M.C.M. and Arshad, N.C. (2021) ‘Islamic microfinance and SDGs: maqasid syariah approach’, Journal of Islamic Finance and Business Research, 9(2), pp. 120–136.
Sarma, M. (2008a) Index of Financial Inclusion, Working Paper No. 215, Indian Council for Research on International Economic Relations.
Sarma, M. (2008b) Index of Financial Inclusion.
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