(Access News) On Tuesday, May 27, 2025, the second activity of the Sharia Economics Club (SEC) X Access Gen Z Discussion (AZD) was successfully carried out in a linging room in the Creative Lounge room, Faculty of Economics and Business, Universitas Airlangga . This activity took place at 18:00 to 20:00 WIB and was attended by 10 participants from active members of ACSES. This discussion is part of a series of Islamic economic studies that aim to strengthen sharia literacy while fostering critical thinking of economic practices based on Islamic values.
The topic raised at this meeting was "Fiqh Muamalah," delivered by Desiyanti Sagita Rachmadewi. In her presentation, Mbak Desi outlines the basic principles of Muamalah Jurisprudence, including the legal basis, relevant fiqh rules, and their application in the contemporary economic context. This material emphasizes the importance of contracts, justice, and transparency in economic transactions according to Islamic perspectives. Submission is carried out interactively, with the addition of pre-test and post-test to measure the overall understanding of participants.
This activity also presented the Z Discussion with the topic of debate: "Test the effectiveness of the profit sharing system vs. interest: risk analysis, justice, and economic impact on the real sector." Participants are divided into four groups, namely: (1) Islamic banking, (2) conventional banking, (3) regulators (OJK), and (4) MSMEs. Each group conveys arguments based on their respective perspectives critically and structured.
The Islamic banking group highlighted the profit sharing system as a fairer model, strengthened partnerships, and encouraged financial inclusion, especially for the real sector. Conventional banking groups argue that the interest system offers efficiency and certainty of returns for investors. Meanwhile, regulator (OJK) emphasizes the importance of adaptive regulations so that both systems can go hand in hand in maintaining financial stability. On the other hand, the group of MSMEs states that the profit sharing system provides greater flexibility, although it is still needed managerial capacity building so that sharia financing can be utilized optimally.
This program is not only a means of Islamic education, but also expands participants' understanding of the financial system and its impact on real life, especially for small businesses. By facilitating interactive, reflective, and applicative learning spaces, this activity makes a real contribution in shaping the young generation who think critically, sensitive to social justice, and able to offer sustainable economic solutions.
The activity went smoothly and succeeded in creating a constructive discussion space for the participants. It is hoped that the next SEC X AZD program can continue to be a forum for strengthening the intellectual capacity of the younger generation in building a fair, inclusive, and relevant Islamic economic system
