Az-Zarqa': Jurnal Hukum Bisnis Islam
type: channel
description: Frequency : 2 issues per year (June and December) Language : English and Indonesia Duration : Approx. 90 days to first decision Acceptance Rate : 26% of total submission since 2010 Audience : Researcher, Legal scholars, Islamic Legal Scholars, Students, Practitioners Publisher : Faculty of Sharia and Law, UIN Sunan Kalijaga Yogyakarta, Indonesia ISSN : 2809-3569 (online) | 2087-8117 (print) DOI : 10.14421/az-zarqa Journal Summary Az-Zarqa’: Jurnal Hukum Bisnis Islam is the scholarly journal of the Department of Islamic Economic Law, Faculty of Sharia and Law, Universitas Islam Negeri Sunan Kalijaga Yogyakarta. Established on December 1, 2010, the journal is published biannually (June and December). In line with its aim to provide an academic forum for the development of Islamic Economic Law in broad perspectives, Az-Zarqa’ focuses on the development and application of Islamic legal principles in contemporary economic, business, and financial practices, with particular emphasis on the integration of Maqāṣid al-Sharīʿah, Islamic business ethics, and modern regulatory frameworks, alongside the theoretical and philosophical foundations of Islamic law that underpin them. The journal welcomes normative-legal, conceptual, comparative, and empirical manuscripts that bridge theory and practice and offer both analytical and applied contributions to the advancement of Islamic Economic Law. All submissions undergo a rigorous selection process, double-blind peer review, and professional editing. Az-Zarqa’ is committed to publishing work of relevance to scholars, researchers, practitioners, and policymakers in the fields of Islamic law, economics, and finance.
publisher: Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta
language: en
publication name: Az-Zarqa': Jurnal Hukum Bisnis Islam
issn: 2087-8117
items: Rethinking Assets in Islamic Law: Understanding the Logic of Camels as Authorized-Value in Socio-Economic Context
items: Al-Qarafi’s Perspective on the Determination of Agricultural Zakat Amounts
items: Toward Green Pesantren and Environmental Philanthropy Based on Maqasid al-Sharia
items: Maqasid al-Shari'ah for Green Business Oversight: Addressing Greenwashing by Design in Indonesia’s Energy Transition
items: Halal Certification, Legal Awareness, and Maqasid al Shari’ah among Fried Chicken MSMEs in Indonesia
items: Resolving Murabahah Default: Legal Substance, Structure, and Culture in Community-Based Islamic Financial Institutions
items: Istihsan in Bay’ Al-Istijrar: Recontextualising Ibn ʿAbidin’s Thought for Contemporary Mu’amalah Contracts
items: Ribā in The Qur’an and The Bible: Comparative Legal-Ethical Perspectives on Economic Justice
items: Toward Economic Legal Pluralism in Indonesia’s Mining Law: Sadd al-Żarī’ah or Fatḥ al-Żarī’ah?
items: Procedural Efficiency vs Legal Certainty in Islamic Finance Disputes: A Maṣlaḥah and Saddu Al-Żarī’ah Analysis
items: Maṣlaḥah-Based Appraisal of Consignment Contracts: Micro, Small, and Medium Enterprises (MSME) in Pekanbaru
items: Legal Pluralism and Maqāṣid Al-Sharīʿah in Regulating Cooperative Finance under Indonesia’s Financial Services Authority
items: Boycott, Intention, and Purchase Decisions among Generation Z: A PLS-SEM Analysis Based on Qawāʿid Fiqhiyyah
items: Halal Certification and Consumer Protection: Legal Review of the Marshmallow Pork-Gelatin Case
items: Legal Protection of Sharia Investors in Indonesia: A Maqāṣid-Based Critique and Comparative Study of Malaysia’s System
items: Reviving The Turāṡ of Islamic Law: An Uṣūl al-Fiqh Review for Time Value of Money Concept
items: Penerapan Prinsip Tadarruj Dalam Konversi Bank Konvensional Menjadi Bank Syariah
items: Optimalisasi Penyelesaian Sengketa dalam Perspektif Hukum Islam dan Sistem Hukum Indonesia: Studi Komparatif antara Litigasi dan Alternative Dispute Resolution (ADR)
items: Tinjauan Maqashid Syariah Terhadap Peran Fintech dalam Pembayaran Qris Bagi Umkm Di Dusun Sapen Desa Demangan Yogyakarta
items: Mencegah Kecurangan Harga: Implementasi Konsep Hisbah Dinas Perdagangan Kota Yogyakarta Di Pasar Tradisional Bringharjo
items: Penerapan Akad Wakalah Bil Ujrah Pada Jasa Titip Online Freelance : Kajian Inovasi Ekonomi Syariah dalam Konteks Gig Economy
items: Perspektif Islamic Moral Economy (Ime) Terhadap Gig Economy: Tantangan Keadilan Dan Kesejahteraan Pekerja Di Era Digital
items: Prinsip dan Kaidah Hukum Islam sebagai Landasan Pengembangan Asuransi Syari’ah
items: Contingent Liability in Traditional Economic Transactions: An Islamic Business Ethics Study in Dusun Cappego
items: Wealth and Its Acquisition in the Metaverse from the Perspective of Islamic Economic Law
items: Currency Value Changes: Historical Dynamics and Islamic Legal Perspectives in Maqāṣid Ash-Shari’ah
items: The Impact of Contract Blending on Sharia Compliance and Social Trust in Islamic Banking
items: ANALISIS AKAD-AKAD SYARIAH DAN APLIKASINYA PADA FINTECH SYARIAH PERPEKTIF FATWA DSN-MUI NOMOR 67/ DSN-MUI/ III/2008(Studi Kasus Produk Invoice Financing Syariah PT. Investree Radhika Jaya)
items: Nazhir, Cash Waqf, and Digitalization: Assessing Sharia Compliance and Governance at Laznas Yakesma Kepri
items: Legal Compliance of Broiler Poultry Operators in Halal Certification: Regulation and Social Awareness

Rethinking Assets in Islamic Law: Understanding the Logic of Camels as Authorized-Value in Socio-Economic Context
type: item
description: Abstract: Early Islamic legal tradition reveals the recurrent appearance of camels in a range of normative provisions, including diyāt (blood money), livestock zakat, sacrifice, and dowry. This pattern has often been read literally as the final legal designation of a specific object, thereby obscuring the relationship between normative texts and the socio-economic context of classical Arab society. This article demonstrates that the prominence of camels did not derive from any intrinsic theological quality, but rather from their socio-economic and symbolic status as the most valuable asset of the time. By reading hadith as part of a discursive tradition, camels are understood as a medium of value that integrates productive economic functions, mobility as moving capital, survival in a desert environment, and symbols of social status and honor. An analysis of clusters of hadith concerning diyāt, zakat, sacrifice, and dowry reveals a consistent logic of value, namely the articulation of obligations and compensations through wealth that was socially recognized as the highest surplus. These practices were subsequently adopted and rationalized in the construction of early fiqh through mechanisms of selection, taqwīm (legal valuation), and the stabilization of norms by the fuqahāʾ. The principal novelty of this article lies in the formulation of an analytical framework that shifts the focus of fiqh from the material form of objects to the functional logic of assets, positioning the social authorization of value as the foundation of legal normativity. This finding has significant implications for fiqh al-muʿāmalāt and contemporary Islamic jurisprudence more broadly, as it provides a methodological basis for evaluating modern assets (unknown in the classical turāth) according to the logics and criteria of māl, including economic utility, capacity for possession, recognition by ʿurf, and rational valuation, without resorting to reductive form-based analogies. Abstrak: Tradisi…
subject: Articles
  topic: section
subject: camels
  topic: keywords
subject: Islamic Law
  topic: keywords
subject: asset in fiqh
  topic: keywords
subject: contemporary fiqh
  topic: keywords
creator: Landy Trisna Abdurrahman
creator: Ahmad Yani Anshori
creator: Moh. Tamtowi
creator: Asmara Edo Kusuma
creator: Muhammad Farhan Burhanudin
rights: Copyright (c) 2025 Landy Trisna Abdurrahman, Ahmad Yani Anshori, Moh. Tamtowi, Asmara Edo Kusuma, Muhammad Farhan Burhanudin http://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-28
publication date: 2025-12-28
starting page: 279
ending page: 301
doi: 10.14421/az-zarqa.v17.i2.4710

Al-Qarafi’s Perspective on the Determination of Agricultural Zakat Amounts
type: item
description: Abstract: The provisions governing agricultural zakat rates derived from hadith are often understood as fixed numerical stipulations that are not subject to change. Such an understanding gives rise to various problems when confronted with the socio-economic dynamics of modern society, particularly in relation to production costs, agricultural systems, and patterns of distribution. This article aims to analyze how al-Qarāfī positions the hadith on zakat rates as a source of law and how the position of Rasūlullāh is to be understood when conveying these provisions. The study employs a normative legal approach using qualitative library-based research, with hadiths concerning agricultural zakat rates as the primary sources, examined alongside historical evidence of pre-Islamic and post legislation systems of levies. The analysis applies al-Qarāfī’s theoretical framework concerning the differentiation of the Prophet’s status as a conveyor of risālah and as a al-ḥākim exercising ijtihād within the domain of legal policy. The findings indicate that the ‘usyr provision in agricultural zakat cannot be separated from its historical context and the socio-economic structure of Arab society at the time, nor from the capacity of Rasūlullāh as a political leader who reorganized systems of fiscal obligation. From al-Qarāfī’s perspective, the zakat rate provisions are more appropriately understood as contextual legal policies oriented toward justice rather than as rigid prescriptions of maḥḍah worship that are insulated from change. This perspective allows for a legal interpretation that preserves the authority of hadith while simultaneously accommodating flexibility in response to evolving socio-economic conditions. Abstrak: Ketentuan miqdar zakat pertanian yang bersumber dari hadis sering dipahami sebagai ketetapan angka yang bersifat baku dan tidak dapat berubah. Pemahaman tersebut memunculkan berbagai problematika ketika dihadapkan dengan dinamika sosial ekonomi masyarakat moder…
subject: Articles
  topic: section
subject: Al-Qarafi
  topic: keywords
subject: Hadith
  topic: keywords
subject: Agricultural Zakat
  topic: keywords
subject: Usyr
  topic: keywords
subject: Islamic Law
  topic: keywords
creator: Izbik Muhammad
rights: Copyright (c) 2025 Izbik Muhammad http://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-28
publication date: 2025-12-28
starting page: 240
ending page: 257
doi: 10.14421/az-zarqa.v17.i2.4668

Toward Green Pesantren and Environmental Philanthropy Based on Maqasid al-Sharia
type: item
description: Abstract: Indonesia’s waste management crisis reflects systemic problems that cannot be adequately addressed through technical solutions alone. Effective responses require governance arrangements that connect public policy, financing, accountability mechanisms, and the sustained cultivation of pro environmental practices at the community level. The growing orientation of Islamic philanthropy toward environmental concerns has created opportunities for philanthropic fund managers to support environmental preservation programs, including the “Green Pesantren” (Pesantren Hijau) initiative led by NU Care LAZISNU within the PBNU network. A qualitative case study design is used to examine program governance in pilot Islamic boarding schools through interviews, participatory observation, and document analysis, followed by thematic analysis. The findings indicate that program effectiveness relies on kiai leadership in shaping norms and discipline, santri participation that develops from procedural involvement toward more autonomous management, and LAZISNU’s technical facilitation focused on capacity building and system strengthening. Program impacts are multidimensional, encompassing behavioural change and improved environmental quality through source-based waste separation and water and energy conservation, the creation of micro scale economic value through Waste Banks and circular economy practices, and stronger social capital through collective action and communal accountability. Read through the maqāṣid al-sharīʿah paradigm, these findings constitute a form of ḥifẓ al-bīʾah that can be assessed through governance mechanisms and the sustainability of the Green Pesantren’s impacts. In this framing, ḥifẓ al-bīʾah is not merely an ethical claim, but an evaluative lens that offers a comparative reference for faith based environmental philanthropy initiatives. Abstrak: Krisis pengelolaan sampah di Indonesia menunjukkan persoalan sistemik yang tidak memadai jika ditangani hanya…
subject: Articles
  topic: section
subject: Islamic Philanthropy
  topic: keywords
subject: Green Pesantren
  topic: keywords
subject: Waste Bank
  topic: keywords
subject: Maqasid al-Shariah
  topic: keywords
creator: Muhammad Yafi Sabilul Ahkam
creator: Satya Graha Habibilah
rights: Copyright (c) 2025 Muhammad Yafi Sabilul Ahkam, Satya Graha Habibilah http://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-28
publication date: 2025-12-28
starting page: 169
ending page: 189
doi: 10.14421/az-zarqa.v17.i2.4644

Maqasid al-Shari'ah for Green Business Oversight: Addressing Greenwashing by Design in Indonesia’s Energy Transition
type: item
description: Abstract: Greenwashing by design refers to structural misrepresentation embedded within energy transition policies, project planning, and corporate disclosure mechanisms. This phenomenon exposes limitations in sustainability governance in Indonesia’s energy sector, since ESG based regulatory instruments often privilege procedural compliance and quantitative indicators while overlooking deception rooted in policy design and regulatory architecture. This article proposes Maqāṣid al-Sharīʿah (objectives of Islamic law) as a normative ethical framework for evaluating sustainability claims beyond formal compliance, with analytical attention to intention, systemic harm, and distributive justice. Methodologically, the study applies a normative legal research design that combines conceptual and philosophical approaches and relies on secondary sources, including doctrinal Islamic legal texts, critical literature on sustainability governance, and contemporary scholarship on green economics and environmental ethics. Inductive mapping of greenwashing by design practices is integrated with a deductive construction of a maqāṣid-based evaluative model to show how Islamic legal theory can be operationalized for sustainability oversight. Findings indicate that maqāṣid integration shifts greenwashing assessment from a technical issue of disclosure accuracy toward an ethical problem of governance design and accountability. Arguments of this article also repositions maqāṣid al-sharīʿah as a critical normative theory of regulatory governance in Muslim majority settings, strengthening debates on green business regulation. Conceptual scope and the absence of empirical validation remain limitations, so future research should test institutional implementation and sector specific regulatory mechanisms. Abstrak: Fenomena greenwashing by design merujuk pada praktik misrepresentasi yang ditanamkan sejak tahap perancangan kebijakan transisi energi, perencanaan proyek, hingga mekanisme pelaporan …
subject: Articles
  topic: section
subject: sustainability governance
  topic: keywords
subject: greenwashing
  topic: keywords
subject: energy transition
  topic: keywords
subject: environmental ethics
  topic: keywords
subject: Maqasid Al-Shariʿah
  topic: keywords
creator: Aji Baskoro
rights: Copyright (c) 2025 Aji Baskoro http://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-28
publication date: 2025-12-28
starting page: 214
ending page: 239
doi: 10.14421/az-zarqa.v17.i2.4621

Halal Certification, Legal Awareness, and Maqasid al Shari’ah among Fried Chicken MSMEs in Indonesia
type: item
description: Abstract: Halal certification for micro and small food enterprises in Indonesia has become a legal obligation and a strategic requirement for Muslim consumer protection. The article examines how the regulatory framework for halal product assurance, the legal awareness and compliance of fried chicken MSMEs, and the normative discourse of Maqāṣid al-Shariah and Fiqh Muʿāmalāt interact in practice. Using a sociological juridical approach, the research combines normative analysis of Undang-Undang Jaminan Produk Halal (Halal Product Assurance Law) and its implementing regulations with qualitative data from observation and indepth interviews with fried chicken MSME owners in Mejobo Village. The findings show that some business actors understand halal certification as both a religious obligation and a business asset that strengthens consumer trust and access to formal markets, yet a significant gap remains between awareness and concrete compliance. Perceptions of procedural complexity and costs, limited socialisation of facilities such as the SeHATI free certification and self declare schemes, weak local supervision, and inconsistent consumer demand for visible halal proof all contribute to the persistence of uncertified operations. Read through Hashim Kamali’s Maqāṣid framework, halal regulation and certification can be seen as instruments for protecting hifz al dīn and hifz al māl, although their actualisation at village level remains partial because institutional wasāʾil do not yet fully match the capacities and conditions of small businesses. The analysis indicates that strengthening halal compliance among MSMEs requires closer alignment between legal design, ethical formation, and community based support within the development of Islamic Business Law in Indonesia. Abstrak: Sertifikasi halal bagi UMKM di sektor pangan di Indonesia telah menjadi kewajiban hukum sekaligus tuntutan strategis bagi perlindungan konsumen Muslim. Artikel ini mengkaji bagaimana kerangka regula…
subject: Articles
  topic: section
subject: Halal Certification
  topic: keywords
subject: Legal Awareness
  topic: keywords
subject: Maqasid al-Shariah
  topic: keywords
subject: MSMEs
  topic: keywords
creator: Dina Yunita Vintya sari
creator: Lina Kushidayati
rights: Copyright (c) 2025 Dina Yunita Vintya Sari, Lina Kushidayati http://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-28
publication date: 2025-12-28
starting page: 190
ending page: 213
doi: 10.14421/az-zarqa.v17.i2.4546

Resolving Murabahah Default: Legal Substance, Structure, and Culture in Community-Based Islamic Financial Institutions
type: item
description: Abstract: Murābaḥah default in community based Islamic finance institutions is often managed through non litigation pathways, yet its effectiveness boundaries are rarely assessed through a socio legal lens. This study maps patterns of murābaḥah default and the dispute resolution chain at KSPPS Nusa Ummat Sejahtera, Dawe Kudus Branch, then tests legal effectiveness using indicators of legal substance, legal structure, and legal culture. The research adopts a qualitative socio legal case study design, drawing on primary data from interviews with managers and members, and secondary data from internal documents, warning letters, restructuring addenda, and relevant normative references. Findings identify installment payment delay as the dominant default pattern, alongside recurring default after restructuring. The resolution chain proceeds in stages through written warnings, personal approaches, deliberation, internal mediation, restructuring in the form of rescheduling and reconditioning, and collateral based options that seldom escalate to formal forums. The substance test reveals vulnerabilities in members’ contract literacy and tensions in practice concerning wakālah (agency) and asset ownership. The structure test indicates that internal capacity is sufficiently functional for ṣulḥ (amicable settlement), yet remains constrained at the collateral stage and by limited access to external dispute resolution institutions. The culture test shows that kinship-oriented norms accelerate short term settlement but also create tolerance approaching moral hazard and prolong repeated restructuring. Abstrak: Wanprestasi murābaḥah pada lembaga keuangan syariah berbasis komunitas sering diselesaikan melalui jalur non-litigasi, namun batas efektivitasnya belum banyak diukur secara sosio legal. Kajian ini memetakan pola wanprestasi dan rantai penyelesaian sengketa murābaḥah pada KSPPS Nusa Ummat Sejahtera Cabang Dawe Kudus, lalu menguji efektivitas hukum (legal effectiveness) melalui …
subject: Articles
  topic: section
subject: murabahah
  topic: keywords
subject: default
  topic: keywords
subject: dispute resolution
  topic: keywords
subject: legal effectiveness
  topic: keywords
subject: KSPPS
  topic: keywords
creator: Evi Rizkia
creator: Abdul Haris Na'im
rights: Copyright (c) 2025 Evi Rizkia, A. Haris Na'im http://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-28
publication date: 2025-12-28
starting page: 258
ending page: 278
doi: 10.14421/az-zarqa.v17.i2.4545

Istihsan in Bay’ Al-Istijrar: Recontextualising Ibn ʿAbidin’s Thought for Contemporary Mu’amalah Contracts
type: item
description: Abstract: Debates on Bay’ al-Istijrār often revolve around permissibility of take now pay later arrangements, yet the decisive tension lies in the method of istiḥsān and the limits of gharar, especially regarding price certainty and the moment a contract is formed. A normative Islamic law inquiry at the level of doctrine applies conceptual, historical, and philosophical approaches, using document study based on Radd al-Muḥtār ʿalā al Durr al Muḥtār Sharḥ Tanwīr al-Abṣār as the primary source for bayʿ al-istijrār and Nasamāt al Ashār as a supporting source for istiḥsān. Ibn ʿĀbidīn’s argument frames the permissibility of Bay’ al-Istijrār not as an unregulated appeal to habit, but as istiḥsān that operates after naṣ, ijmā’, and qiyās are examined. Contract formation is understood to occur with each act of taking the goods, so the subject matter exists at the moment of sale and defined price must be knowable at the time of taking. End of period calculation functions as a settlement record, not as a device to postpone price certainty. ‘Urf serves to clarify practical standards when it qualifies as ‘urf ṣaḥīḥ and does not conflict with naṣ, while ‘urf fāsid is rejected because it expands uncertainty. Recontextualisation to contemporary muʿāmalah is directed toward technical tests of price standards, proof of delivery, rules on unilateral price changes, and accessible dispute resolution, so istiḥsān supports facilitation without sacrificing certainty. Abstrak: Perdebatan bai’ al-istijrār sering berkutat pada status kebolehan akad ambil dulu bayar kemudian, padahal titik perdebatan yang lebih menentukan berada pada metode istiḥsān dan batas gharar, terutama pada kepastian harga dan momen terbentuknya akad. Artikel ini mengkaji hal tersebut dari sisi hukum Islam normatif pada ranah doktrin menggunakan pendekatan konseptual, dengan teknik studi dokumen atas Radd al Mukhtār ʿalā al Durr al Mukhtār Sharḥ Tanwīr al Abṣār sebagai sumber utama baiʿ al istijrār dan Nasamāt al Ashā…
subject: Articles
  topic: section
subject: Istihsan
  topic: keywords
subject: Bai al-Istijrar
  topic: keywords
subject: Ibnu Abidin
  topic: keywords
subject: Contemporary Muamalah
  topic: keywords
creator: Enang Hidayat
creator: Siti Ropiah
creator: Mowafg Abrahem Masuwd
rights: Copyright (c) 2025 Enang Hidayat, Siti Ropiah, Mowafg A. Masuwd http://creativecommons.org/licenses/by-sa/4.0
date: 2025-12-28
publication date: 2025-12-28
starting page: 148
ending page: 168
doi: 10.14421/az-zarqa.v17.i2.4540

Ribā in The Qur’an and The Bible: Comparative Legal-Ethical Perspectives on Economic Justice
type: item
description: Abstract: The prohibition of ribā is a classic issue across religious traditions and remains relevant in contemporary debates on financial practice. This study aims to reinterpret the prohibition of ribā in the Qur’an and the Bible in order to formulate ethical and legal criteria applicable to modern financial instruments. Ma’na-cum-maghza is used as an approach to reinterpret the meaning of riba.. The first stage reconstructs the textual and contextual meanings of key verses. The second stage builds an analytic bridge through classical and modern exegetical findings. The third stage articulates the substantive message (maghzā) as a basis for evaluating financial practices. The findings show that the ethical core of the prohibition of ribā lies in the principle of neither wronging others nor being wronged. This principle rejects forms of interest or gain that are exploitative and that unduly burden debtors, while preserving the specificity of ribā as an ethical and legal category that cannot be reduced to a flat equivalence with interest. The study proposes practical indicators for assessing the ethical validity of contracts, which include fairness in exchange, proportionality between risk and return, protection of vulnerable parties, prevention of burdensome debt spirals, and transparency of information and costs. These results reaffirm the orientation of maqāṣid al-sharīʿah, with particular emphasis on the protection of wealth, and offer a cross-scriptural evaluative framework that can be adopted in the design of contemporary Islamic financial contracts and policies. Abstrak: Larangan riba merupakan isu klasik lintas tradisi agama yang tetap relevan dalam diskusrsus praktik keuangan modern. Penelitian ini bertujuan menafsirkan ulang larangan riba dalam Al-Qur’an dan Alkitab untuk merumuskan kriteria etik-legal yang relevan bagi instrumen keuangan kontemporer. Metode yang digunakan adalah pendekatan hermeneutik maʿna cum maghzā untuk menafsirkan ulang maksud riba. …
subject: Articles
  topic: section
subject: Ribā
  topic: keywords
subject: Maʿna-cum-Maghzā
  topic: keywords
subject: Qur’an and Bible
  topic: keywords
subject: Islamic Economic Law
  topic: keywords
subject: Islamic Economic Ethics
  topic: keywords
creator: Khulafaur Rosidin
creator: Ahmad Solahuddin
rights: Copyright (c) 2025 Khulafaur Rosidin, Ahmad Solahuddin http://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 124
ending page: 147
doi: 10.14421/az-zarqa.v17.i1.4537

Toward Economic Legal Pluralism in Indonesia’s Mining Law: Sadd al-Żarī’ah or Fatḥ al-Żarī’ah?
type: item
description: Abstract: The dominance of fiscal and investment interests in Indonesia’s mining regime indicates the need for a renewed interpretation based on economic legal pluralism. This article examines how Law No. 4 of 2009 jo No. 3 of 2020 on Mineral and Coal Mining and the Job Creation Law shape the flow of state and corporate profits while marginalizing Indigenous Peoples from fair benefit-sharing schemes. The perspective of economic legal pluralism is applied to analyze the interaction among state law, corporate practices represented by IUP and IUPK, and customary law including hak ulayat as a single field of distribution. The concepts of sadd al-żarī‘ah and fatḥ al-żarī‘ah are used as analytical instruments to assess the prevention of mafsadah (harms) and the realization of maṣlaḥah at the community level. The findings show the closure of substantive participation channels through the simplification of environmental impact assessments and public consultations, the predominance of CSR-based compensation over rights-based claims, and the absence of measurable benefit-sharing mechanisms. The theoretical contribution lies in an evaluative framework that connects the principle of distributive justice in Islamic business law with auditable legal and institutional indicators. Policy implications include stronger recognition of hak ulayat in licensing, verifiable FPIC mechanisms, community quotas in revenue-sharing funds, citizen-based monitoring, and effective grievance procedures. The study is limited by its focus on national regulations and the absence of quantitative measurement of rent flows. Future research should expand fieldwork and regional comparisons to test the effectiveness of these designs. Abstrak: Dominasi kepentingan fiskal dan investasi dalam rezim pertambangan menandakan kebutuhan pembacaan ulang berbasis pluralisme hukum ekonomi. Kajian dalam artikel ini mengajukan rumusan masalah utama tentang bagaimana UU Minerba No. 4/2009 jo. UU No. 3/2020 dan UU Cipta K…
subject: Articles
  topic: section
subject: Economic legal pluralism
  topic: keywords
subject: mining governance
  topic: keywords
subject: sadd al-Żarī‘ah
  topic: keywords
subject: fatḥ al-Żarī‘ah
  topic: keywords
subject: distributive justice
  topic: keywords
subject: Indigenous rights
  topic: keywords
subject: socio-ecological sustainability
  topic: keywords
creator: Muhammad Nashirulhaq
creator: Kukuh Prasetyo Idzharul Haq
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 102
ending page: 123
doi: 10.14421/az-zarqa.v17.i1.4498

Procedural Efficiency vs Legal Certainty in Islamic Finance Disputes: A Maṣlaḥah and Saddu Al-Żarī’ah Analysis
type: item
description: Abstract: The resolution of Islamic economic disputes involving land collateral without mortgage titles reveals a persistent tension between procedural efficiency and the certainty of creditor protection. This study examines patterns in Indonesian Religious Court rulings through a case study of Sumenep No. 1/Pdt.G.S/2020/PA.Smp, combining a normative analysis of statutory and judicial regulations with an empirical reading of the court decision. The findings indicate a strong pro-efficiency orientation: simplified claims are accepted, contract validity is upheld based on Article 1320 of the Civil Code, and access to justice for small-value disputes is expanded. However, this also weakens the creditor’s legal position, as non-mortgage collateral does not provide executorial title or preferential rights. The mapping confirms a regulatory gap concerning non-mortgage collateral in Islamic economic transactions and inconsistent judicial reasoning across cases. The maṣlaḥah mursalah framework evaluates the benefits of procedural acceleration as legitimate only when it does not erode execution certainty, while saddu al-żarī‘ah emphasizes closing potential harm channels, such as opportunistic debtor behavior and increased financing costs. Policy recommendations include harmonizing the Mortgage Law, the Indonesian Religious Courts Law, and simplified claim procedures; drafting national technical guidelines for judges on verifying non-mortgage collateral and formulating enforceable judgments; and strengthening Sharia governance to ensure uniform standards of evidence, oversight, and transparency. This synergy aims to reconcile the principle of simple, fast, and low-cost justice with transaction certainty, thereby protecting both access to justice and creditor rights. Abstrak: Penyelesaian sengketa ekonomi syariah yang melibatkan jaminan tanah tanpa Hak Tanggungan menampilkan ketegangan antara efisiensi prosedur dan kepastian perlindungan bagi kreditur. Kajian ini menelusuri po…
subject: Articles
  topic: section
subject: Sharia Economic Disputes
  topic: keywords
subject: Small-Claims Procedure
  topic: keywords
subject: Non-Mortgage Land Collateral
  topic: keywords
subject: Secured-Transactions Certainty
  topic: keywords
subject: Religious Courts
  topic: keywords
creator: Dwi Marlina Wijayanti
creator: A Hashfi Luthfi
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 62
ending page: 80
doi: 10.14421/az-zarqa.v17.i1.4489

Maṣlaḥah-Based Appraisal of Consignment Contracts: Micro, Small, and Medium Enterprises (MSME) in Pekanbaru
type: item
description: Abstract: Consignment practices in the micro, small, and medium enterprises (MSMEs) sector are still predominantly based on oral agreements grounded in mutual trust. While simple and flexible, such practices pose significant problems and vulnerabilities, including weak legal certainty, limited documentary evidence in the event of disputes, and an unequal distribution of risks, particularly for consignors. This article examines the legal appraisal of consignment contracts among MSMEs in Pekanbaru through the lens of maṣlaḥah mursalah. The study focuses on the prevalence of oral agreements in practice and the critical need for written contracts to enhance legal certainty and protect the interests of all parties in line with Islamic economic principles. Employing a normative-empirical approach, the research integrates the analysis of statutory provisions and Islamic contract principles with qualitative data gathered from twelve in-depth interviews and a focus group discussion (FGD) involving eight participants. The findings reveal that most consignment arrangements among Pekanbaru MSMEs are trust-based and orally agreed upon, which often leads to disputes and ambiguous delineation of rights and obligations. The maṣlaḥah-based assessment underscores that transitioning to written contracts not only strengthens creditor–debtor relationships but also aligns with the objectives of maqāṣid al-sharīʿah, particularly the protection of wealth (ḥifẓ al-māl). This study provides a contextual mapping of contractual practices among MSMEs, a subject rarely documented empirically in Indonesia, and bridges the theoretical framework of maṣlaḥah with microeconomic realities. The study recommends the development of standardized contract templates and the implementation of Islamic economic literacy programs for MSME actors. Abstrak: Praktik konsinyasi pada sektor UMKM masih didominasi oleh perjanjian lisan yang didasarkan pada rasa saling percaya. Meskipun sederhana dan fleksibel, praktik…
subject: Articles
  topic: section
subject: Sharia Economic Law
  topic: keywords
subject: Maṣlaḥah Mursalah
  topic: keywords
subject: Consignment Contracts
  topic: keywords
subject: Micro Small and Medium Enterprises MSMEs
  topic: keywords
subject: Legal Certainty
  topic: keywords
creator: Ulan Pitriyani
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 22
ending page: 39
doi: 10.14421/az-zarqa.v17.i1.4422

Legal Pluralism and Maqāṣid Al-Sharīʿah in Regulating Cooperative Finance under Indonesia’s Financial Services Authority
type: item
description: Abstract: The transfer of regulatory authority over financial-service cooperatives to the Financial Services Authority (OJK) through the Financial Sector Development and Strengthening Law (Law No. 4/2023, PPSK Law) represents a paradigm shift in Indonesia’s legal landscape. Cooperatives, historically governed under a separate regime and supervised by the Ministry of Cooperatives and SMEs, are now incorporated into the national financial regulatory system. This article examines the conceptual implications of the reform through a normative juridical method supported by statutory, conceptual, and comparative approaches. Primary legal sources include the PPSK Law, Cooperative Law, Financial Services Authority Law, and OJK Regulation No. 47/2024, while secondary sources comprise scholarly literature, expert opinions, and prior research. The analysis employs three conceptual frameworks: consumer protection theory, Maqāṣid al-Sharīʿah in Islamic economic law, and legal pluralism. Findings show that OJK supervision enhances legal certainty, protects members’ financial assets, and aligns cooperative consumer rights with those of bank customers, thereby advancing the Maqāṣid principles of protection of wealth (ḥifẓ al-mā), justice (‘adālah), and balance (tawāzun). Nevertheless, the reform raises concerns about potential erosion of cooperative autonomy and the risk of marginalizing small-scale or community-based cooperatives. These tensions highlight the need for proportional and collaborative regulatory design that accommodates cooperative values while ensuring accountability and stability. The discussion concludes that cooperative supervision under OJK can serve as both a safeguard and a challenge: it strengthens governance but may undermine cooperative identity if implemented rigidly. Future empirical research is recommended to assess the real impact of the reform across regions and cooperative models. Abstrak: Peralihan kewenangan pengawasan koperasi jasa keuangan kepada O…
subject: Articles
  topic: section
subject: Financial Services Authority
  topic: keywords
subject: Cooperative Law
  topic: keywords
subject: Consumer Protection
  topic: keywords
subject: Maqāṣid Al-Sharīʿah
  topic: keywords
subject: Legal Pluralism
  topic: keywords
creator: Oktri Defilania
creator: Ariawan Gunadi
creator: Nizla Rohaya
creator: Muhammad Khutub
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-01-17
publication date: 2025-01-17
starting page: 1
ending page: 21
doi: 10.14421/az-zarqa.v17.i1.4344

Boycott, Intention, and Purchase Decisions among Generation Z: A PLS-SEM Analysis Based on Qawāʿid Fiqhiyyah
type: item
description: Abstract: Purchase or avoidance decisions regarding fast-food brands associated with pro-Israel affiliations among Generation Z university students in Banten Province are examined through two complementary lenses: PLS-SEM modeling and reasoning grounded in Qawāʿid Fiqhiyyah. The sample comprises 125 respondents, all active social-media users. Findings indicate that consumer animosity does not affect either purchase intention or purchase decision. Religiosity exerts a positive and statistically significant direct effect on purchase decisions, but not on intentions. Exposure to and participation in social-media boycott campaigns have positive and significant effects on both intention and decision, while the indirect pathway via intention is observed only from boycott to decision and is small in magnitude. Purchase intention itself significantly predicts purchase decisions, also with a small effect. Document analysis links these estimates to three legal maxims. Al-umūr bi maqāṣidihā explains value-driven execution that can bypass the intention phase, clarifying why religiosity operates at the decision point. Al-‘ādah muḥakkamah accounts for the persistence of habit, store proximity, and promotions that attenuate the move from animosity to action. Al-yaqīn lā yazūlu bi al-shakk underscores the need for credible evidence of brand affiliation so that intention and decision are not stalled by doubt. Practical implications include evidence-based value education, accessible halal substitutes, competitive pricing, and supply-chain transparency to foster yaqīn and stabilize ethical compliance in everyday choices. The study enriches Islamic Business Law with an auditable, replicable normative-empirical bridge. Abstrak: Keputusan membeli atau menghindari merek fast food yang diasosiasikan pro-Israel pada mahasiswa Generasi Z di Provinsi Banten dibaca melalui dua lensa yang saling melengkapi, yakni pemodelan PLS-SEM dan penalaran Qawāʿid Fiqhiyyah. Sampel berjumlah 125 responden …
subject: Articles
  topic: section
subject: Qawāʿid Fiqhiyyah
  topic: keywords
subject: Boycott
  topic: keywords
subject: Religiosity
  topic: keywords
subject: Social Media
  topic: keywords
subject: Purchase Decision
  topic: keywords
creator: Qotrunnada
creator: Syihabudin
creator: Muhamad Fakhrudin
creator: Risa Suryani
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 81
ending page: 101
doi: 10.14421/az-zarqa.v17.i1.4221

Halal Certification and Consumer Protection: Legal Review of the Marshmallow Pork-Gelatin Case
type: item
description: Abstrak: Artikel ini mengkaji efektivitas pelaksanaan Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal (UU JPH) dalam merespons tantangan kehalalan produk impor, khususnya kasus marshmallow yang terindikasi mengandung gelatin babi meski telah bersertifikat halal. Penelitian menggunakan pendekatan yuridis-normatif dengan metode studi kasus eksploratif dan analisis naratif-etnografis, serta menggunakan teori moral panic dan Maqāṣid Asy-Syarīʿah sebagai landasan analisis. Temuan dalam kajian artikel ini menunjukkan adanya celah dalam sistem pengawasan, inkonsistensi pelabelan halal, dan lemahnya penegakan hukum, yang berkontribusi pada krisis kepercayaan konsumen Muslim. Pelanggaran terhadap prinsip hifz al-din (agama), hifz al-nafs (jiwa), dan hifz al-mal (harta) mengindikasikan bahwa isu kehalalan tidak hanya berdimensi hukum formal, tetapi juga menyentuh aspek moral dan spiritual. Oleh karena itu, diperlukan reformulasi kebijakan halal yang mencakup harmonisasi regulasi, peningkatan transparansi informasi, penguatan lembaga pengawas, serta edukasi publik secara menyeluruh sebagai bentuk perlindungan menyeluruh terhadap konsumen Muslim di tengah dinamika pasar global. Abstract: This article examines the effectiveness of the implementation of Law No. 33 of 2014 concerning Halal Product Guarantee (UU JPH) in responding to the challenges of imported product halalness, particularly the case of marshmallows that were indicated to contain pork gelatin even though they were certified halal. The research employs a legal-normative approach using exploratory case study and narrative-ethnographic analysis methods, and draws on moral panic theory and Maqāṣid Asy-Syarīʿah as analytical frameworks. The findings reveal gaps in the oversight system, inconsistencies in halal labelling, and weak enforcement of the law, which contribute to a crisis of trust among Muslim consumers. Violations of the principles of hifz al-din (religion), hifz al-nafs (soul), and hifz al-mal…
subject: Articles
  topic: section
subject: halal product guarantee
  topic: keywords
subject: UU No. 33 Tahun 2014
  topic: keywords
subject: marshmallow
  topic: keywords
subject: Maqāṣid Asy-Syarīʿah
  topic: keywords
subject: moral panic
  topic: keywords
subject: jaminan produk halal
  topic: keywords
creator: Emma Atmawati
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-18
publication date: 2025-07-18
starting page: 253
ending page: 275
doi: 10.14421/az-zarqa.v16.i2.4188

Legal Protection of Sharia Investors in Indonesia: A Maqāṣid-Based Critique and Comparative Study of Malaysia’s System
type: item
description: Abstract: This study analyzes the effectiveness of legal protections for Sharia sukuk investors in Indonesia, particularly in the Sukuk Tabungan ST012 instrument, based on the newly issued Financial Services Authority (OJK) Regulation No. 22 of 2023. The research is under a normative legal method combined with conceptual analysis using the Maqāṣid Ash-Sharīʿah framework developed by Auda. The findings indicate that the regulation introduces key elements such as strengthened literacy, transparency, and governance. However, the regulation’s effectiveness remains limited in safeguarding investor capital, ensuring rational decision-making, and providing psychological security. The Maqāṣid-based analysis reveals that the dimension of ḥifẓ al-māl (protection of wealth) is not yet fully integrated into policy design. A comparative analysis with Malaysia highlights Indonesia’s structural weaknesses, particularly the non-binding nature of fatwa authorities and the lack of legal certainty in Sharia supervision. This study recommends strengthening Sharia authority systems and integrating Maqāṣid values into the national regulatory framework. The study is limited by its non-empirical approach and narrow focus on a single instrument. Future research could consider quantitative methods and undertake broader cross-country regulatory comparisons. Abstrak: Studi ini menganalisis efektivitas perlindungan hukum bagi investor sukuk syariah di Indonesia, khususnya pada instrumen Sukuk Tabungan ST012, berdasarkan Peraturan Otoritas Jasa Keuangan (OJK) Nomor 22 Tahun 2023 yang baru diterbitkan. Penelitian ini menggunakan metode hukum normatif yang dikombinasikan dengan analisis konseptual menggunakan kerangka Maqāṣid Ash-Sharīʿah yang dikembangkan oleh Auda. Hasil penelitian menunjukkan bahwa peraturan tersebut memperkenalkan unsur-unsur kunci seperti peningkatan literasi, transparansi, dan tata kelola. Namun, efektivitas peraturan tersebut masih terbatas dalam melindungi modal investor, …
subject: Articles
  topic: section
subject: sukuk
  topic: keywords
subject: investor protection
  topic: keywords
subject: POJK 22/2023
  topic: keywords
subject: Maqāṣid Ash-Sharīʿah
  topic: keywords
subject: Islamic financial regulation
  topic: keywords
creator: Suhaebatul Isnaini
creator: A Hashfi Luthfi
creator: Fajri Zulia Ramdhani
rights: Copyright (c) 2024 Suhaebatul Isnaini, A. Luthfi, Ramdhani http://creativecommons.org/licenses/by-sa/4.0
date: 2025-11-06
publication date: 2025-11-06
starting page: 276
ending page: 299
doi: 10.14421/az-zarqa.v16.i2.4140

Reviving The Turāṡ of Islamic Law: An Uṣūl al-Fiqh Review for Time Value of Money Concept
type: item
description: Abstract: The concept of the time value of money (TVM) is a foundational element in conventional finance, yet its application within Islamic law remains a subject of conceptual and normative debate. This study aims to reassess the notion of TVM through the lens of turāṡ in Islamic legal theory (Uṣūl al-Fiqh), with particular focus on the perspectives of the four major Sunni schools (Ḥanafī, Mālikī, Syāfi‘ī, and Ḥanbalī). Employing a normative-legal approach and a library-based research method, this article explores how classical jurists differentiate between the permissibility of time-related value in credit-based sales contracts and its prohibition in loan-based transactions involving riba. The findings suggest that Islamic law recognizes time value only within a limited scope, embedded in the price of goods in deferred sales, but rejects the monetization of time as a stand-alone commodity in loan arrangements. Foundational legal juridical principles derived from Uṣūl al-Fiqh and the objectives of Islamic law (maqāṣid asy-sharī‘ah), such as justice, property preservation, and benevolence, provide the ethical and juridical basis for this distinction. The study concludes that TVM is Sharīʿah-compliant only when applied within the framework of real economic transactions, not in exploitative financial mechanisms. This research remains limited to conceptual legal analysis and does not assess practical applications in the Islamic finance industry. Future studies are encouraged to explore TVM implementation in contemporary Islamic financial products and its relevance to international standards and regulatory frameworks. Abstrak: Konsep nilai waktu uang (TVM) merupakan unsur dasar dalam keuangan konvensional, namun penerapan konsep ini dalam hukum Islam masih menjadi subjek perdebatan konseptual dan normatif. Penelitian ini bertujuan untuk mengevaluasi kembali konsep TVM melalui perspektif turāṡ dalam teori hukum Islam (Uṣūl al-Fiqh), dengan fokus khusus pada pandangan emp…
subject: Articles
  topic: section
subject: nilai waktu uang
  topic: keywords
subject: fikih muamalat
  topic: keywords
subject: riba
  topic: keywords
subject: hukum Islam
  topic: keywords
subject: maqāṣid asy-syarī‘ah
  topic: keywords
subject: Time Value of Money
  topic: keywords
subject: Islamic Legal Theory
  topic: keywords
subject: Uṣūl Al-Fiqh
  topic: keywords
creator: Afif Muhammad
creator: Nasih Burhani
creator: Humaidi Humaidi
rights: Copyright (c) 2024 Afif Muhammad, Nasih Burhani, Humaidi http://creativecommons.org/licenses/by-sa/4.0
date: 2025-11-06
publication date: 2025-11-06
starting page: 224
ending page: 252
doi: 10.14421/az-zarqa.v16.i2.4119

Penerapan Prinsip Tadarruj Dalam Konversi Bank Konvensional Menjadi Bank Syariah
type: item
description: The main principle in the establishment of Islamic banks through the conversion process is to provide ease in setting up Islamic banks. This can be analogized to the process of someone becoming a convert to Islam (muallaf), where all prior backgrounds and sins before embracing Islam are considered erased or forgiven. However, the most crucial aspect of the conversion process is ensuring that no conventional business activities involving gharar (uncertainty) and riba (usury) are conducted by the bank after transitioning into an Islamic bank. This process aligns with the concept of tadarruj (gradualism), where the transformation from a conventional bank to an Islamic bank must be carried out in a planned and sustainable manner. This research aims to analyze the application of the tadarruj principle in the conversion of conventional banks into Islamic banks. This research uses a library research method and is qualitative in nature. The research data is then analyzed descriptively-qualitatively to obtain a comprehensive picture of the issues being studied. The results of this research indicate that implementation of tadarruj will make conventional banks to Islamic banks easier because there is planning, stages and controlled, not spontaneously. Which is in accordance with the meaning of the word, tadarruj itself has the meaning of gradual/stages/slowly. But on the other hand, conversion from Islamic banks to conventional banks is prohibited because there are basic sharia principles that must be upheld. Islamic banks are established with strict sharia principles, including the prohibition of riba (interest), gharar (uncertainty), and maysir (gambling). Changing the status to a conventional bank would be contrary to these principles, as also stated in POJK article 3, that "Islamic banks are prohibited from changing their business activities to become conventional banks." Prinsip utama dalam pembentukan bank syariah melalui proses konversi adalah memberikan kemudahan dalam…
subject: Articles
  topic: section
subject: Prinsip Tadarruj
  topic: keywords
subject: Konversi Bank
  topic: keywords
subject: Bank Konvensional
  topic: keywords
subject: Bank Syariah
  topic: keywords
creator: Mohammad Falaq Khomeini
creator: Mohamad Alam Saputra
creator: Khoirul Anam
creator: Azi Aurel
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2016-12-30
publication date: 2016-12-30
doi: 10.14421/v7nvdn45

Optimalisasi Penyelesaian Sengketa dalam Perspektif Hukum Islam dan Sistem Hukum Indonesia: Studi Komparatif antara Litigasi dan Alternative Dispute Resolution (ADR)
type: item
description: Konflik merupakan bagian tak terhindarkan dalam interaksi sosial manusia, yang jika tidak dikelola dengan baik dapat berkembang menjadi sengketa berkepanjangan. Dalam hukum Islam, penyelesaian konflik menekankan pentingnya musyawarah dan keadilan sebagai prinsip utama dalam mencapai perdamaian. Indonesia sendiri memiliki dua mekanisme penyelesaian sengketa, yaitu litigasi melalui pengadilan dan non-litigasi melalui metode Alternative Dispute Resolution (ADR) seperti mediasi, arbitrase, dan konsiliasi. Kendati litigasi sering dianggap memiliki kekuatan hukum yang mengikat, mekanisme ini memiliki kendala seperti biaya tinggi dan proses yang panjang. Oleh karena itu, ADR menjadi solusi yang semakin relevan dalam menyelesaikan konflik, terutama dalam sektor bisnis yang membutuhkan efisiensi waktu dan biaya. Penelitian ini bertujuan untuk menganalisis konsep penyelesaian sengketa dalam hukum Islam, memahami implementasi manajemen konflik dalam dunia bisnis, serta mengevaluasi efektivitas penyelesaian sengketa di ranah pengadilan. Dengan menggunakan metode penelitian kualitatif dan pendekatan deskriptif-analitis, penelitian ini mengkaji berbagai teori penyebab konflik serta strategi penyelesaiannya dalam sistem hukum Indonesia. Data diperoleh dari studi literatur, wawancara dengan praktisi hukum, serta analisis terhadap regulasi dan putusan pengadilan yang relevan. Hasil penelitian menunjukkan bahwa Islam menawarkan tiga mekanisme utama dalam penyelesaian sengketa, yaitu as-sulhu (perdamaian), at-tahkim (arbitrase), dan al-qadha (peradilan). Ketiga mekanisme ini menekankan prinsip keadilan, musyawarah, dan keseimbangan dalam mengatasi perselisihan. Dalam konteks hukum Indonesia, ADR terbukti lebih fleksibel dan efisien dalam menangani konflik dibandingkan dengan litigasi, terutama dalam sengketa bisnis yang memerlukan penyelesaian cepat. Untuk itu, pengembangan sistem ADR yang lebih optimal, termasuk peningkatan literasi hukum dan dukungan regulasi, menjadi hal yang mende…
subject: Articles
  topic: section
subject: Konflik
  topic: keywords
subject: Penyelesaian Sengketa
  topic: keywords
subject: Hukum Islam
  topic: keywords
subject: Alternative Dispute Resolution
  topic: keywords
subject: Litigasi
  topic: keywords
subject: Manajemen Konflik
  topic: keywords
creator: Muhamad Ulul Albab Musaffa
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2016-12-30
publication date: 2016-12-30
doi: 10.14421/g1674m86

Tinjauan Maqashid Syariah Terhadap Peran Fintech dalam Pembayaran Qris Bagi Umkm Di Dusun Sapen Desa Demangan Yogyakarta
type: item
description: Peran teknologi finansial dalam mendorong adopsi QRIS di kalangan UMKM (Usaha Mikro, Kecil, dan Menengah) di Dusun Sapen. Usaha kecil dan menengah (UMKM) di Indonesia menghadapi kesulitan dalam beradaptasi dengan metode pembayaran non-tunai di era digitalisasi yang semakin berkembang. QRIS, solusi pembayaran yang mudah dan efisien, memungkinkan UMKM untuk meningkatkan aksesibilitas dan daya saing mereka. Penelitian ini menggunakan metode kualitatif pendekatan penelitian lapangan (field research) dengan melakukan wawancara mendalam dengan pelaku UMKM. Hasil penelitian menunjukkan bahwa fintech berperan sebagai penghubung antara teknologi dan UMKM dengan menawarkan edukasi, sosialisasi, dan kemudahan akses ke sistem pembayaran digital. Meskipun penggunaan QRIS meningkatkan inklusi keuangan dan kecepatan transaksi, isu-isu seperti kurangnya pengetahuan keuangan dan kemungkinan penipuan masih perlu diatasi. Studi ini menyarankan peningkatan literasi digital dan keuangan, serta dukungan dari pemerintah dan penyedia layanan untuk memperkuat adopsi QRIS di kalangan UMKM. Dengan langkah-langkah tersebut, diharapkan adopsi QRIS dapat memberikan dampak positif bagi pertumbuhan ekonomi lokal dan daya saing UMKM di tingkat nasional. The role of financial technology in driving QRIS adoption among MSMEs (Micro, Small and Medium Enterprises) in Sapen Hamlet. Small and medium enterprises (MSMEs) in Indonesia face difficulties in adapting to cashless payment methods in the growing era of digitalization. QRIS, an easy and efficient payment solution, enables MSMEs to improve their accessibility and competitiveness. This research uses a qualitative method of field research approach by conducting in-depth interviews with MSME players. The results show that fintech acts as a link between technology and MSMEs by offering education, socialization, and easy access to digital payment systems. While the use of QRIS increases financial inclusion and transaction speed, issues such as lack of fi…
subject: Articles
  topic: section
subject: Fintech
  topic: keywords
subject: QRIS
  topic: keywords
subject: UMKM
  topic: keywords
subject: digitalisasi
  topic: keywords
subject: adopsi pembayaran
  topic: keywords
subject: inklusi keuangan
  topic: keywords
subject: literasi keuangan,
  topic: keywords
subject: teknologi pembayaran
  topic: keywords
subject: efisiensi transaksi
  topic: keywords
creator: Muhammad Daffa Muzhafar
creator: Abdul Hafidz Alhakam
creator: Aprillia Farchatun Nikmah
creator: Syarifah Nurasyiqin
creator: Muhammad Fahrur Rozi
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-27
publication date: 2025-02-27
doi: 10.14421/0kcknq91

Mencegah Kecurangan Harga: Implementasi Konsep Hisbah Dinas Perdagangan Kota Yogyakarta Di Pasar Tradisional Bringharjo
type: item
description: This article discusses the implementation of the concept of Hisbah in preventing price fraud in traditional markets, particularly in Pasar Bringharjo, Yogyakarta, with a focus on the role of the Yogyakarta City Trade Office. Hisbah, rooted in the principle of amar ma'ruf nahi mungkar, serves as a moral and economic supervisor within society to ensure that trade transactions are fair and in accordance with Islamic principles. The study reveals that monitoring price manipulation, dishonest weighing practices, and providing education to traders play a crucial role in maintaining local economic stability and consumer trust. Despite challenges such as fierce competition and high operational costs, implementing the Hisbah principles with an educational and transparent approach can enhance justice and welfare in traditional markets. In conclusion, the Hisbah concept functions not only as a supervisory tool but also as a driver for creating a fair and sustainable market. Artikel ini membahas implementasi konsep Hisbah dalam upaya mencegah kecurangan harga di pasar tradisional, khususnya di Pasar Bringharjo, Yogyakarta, dengan fokus pada peran Dinas Perdagangan Kota Yogyakarta. Hisbah, yang berakar pada prinsip amar ma'ruf nahi mungkar, berfungsi sebagai pengawas moral dan ekonomi dalam masyarakat untuk memastikan bahwa transaksi perdagangan berjalan dengan adil dan sesuai dengan prinsip syariah. Penelitian ini menunjukkan bahwa pengawasan terhadap praktik manipulasi harga, penimbangan barang yang tidak jujur, dan penyuluhan kepada pedagang berperan penting dalam menjaga kestabilan ekonomi lokal dan kepercayaan konsumen. Meskipun terdapat tantangan dalam implementasi, seperti persaingan yang ketat dan biaya operasional yang tinggi, penerapan prinsip Hisbah dengan pendekatan yang mendidik dan transparan dapat meningkatkan keadilan dan kesejahteraan di pasar tradisional. Kesimpulannya, konsep Hisbah bukan hanya berfungsi sebagai alat pengawasan, tetapi juga sebagai pendorong t…
subject: Articles
  topic: section
subject: Hisbah
  topic: keywords
subject: kecurangan harga
  topic: keywords
subject: pasar tradisional
  topic: keywords
subject: Dinas Perdagangan
  topic: keywords
creator: Muhammad Rizal Shodiqin
creator: Kavaleri Langlang Buana
creator: Adib Wicaksono
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-27
publication date: 2025-02-27
doi: 10.14421/tpyyxt61

Penerapan Akad Wakalah Bil Ujrah Pada Jasa Titip Online Freelance : Kajian Inovasi Ekonomi Syariah dalam Konteks Gig Economy
type: item
description: Globalization encourages innovation in service providers such as freelance providers of goods delivery services (jastip). Jastip exists through social media and it can be seen that it is still in demand by consumers to get what they want. In order to develop the sharia economy, jastip can be implemented with the wakalah bil ujrah contract. The wakalah bil ujrah contract provides an overview of the economic side based on sharia, namely in the form of granting power to represent an action accompanied by wages for those who receive the power. In a further overview, all series of jastip activities are based on the digital economy pattern. The digital economy helps the development of jastip to become more massive. Meanwhile, jastip, if you want to rely on it as a form of sharia economic innovation with the wakalah bil ujrah contract. Through the wakalah bil ujrah contract, jastip can be more clearly regulated so as not to harm consumers who are users of the service. Globalisasi mendorong adanya inovasi pada penyedia layanan jasa seperti freelance penyedia jasa titip (jastip) barang. Jastip ini eksis melalui media sosial dan dapat dilihat bahwa masih diminati konsumen untuk mendapatkan keinginannya. Dalam rangka pengembangan ekonomi syariah, jastip dapat dilaksanakan dengan akad wakalah bil ujrah. Akad wakalah bil ujrah memberikan gambaran pada sisi ekonomi berdasarkan syariah yaitu berupa pemberian kuasa untuk mewakilkan suatu tindakan dengan disertai upah bagi yang menerima kuasa. Dalam gambaran lebih lanjut, semua rangkaian kegiatan jastip disandarkan pada pola ekonomi digital. Ekonomi digital membantu perkembangan jastip menjadi lebih masif. Sedangkan jastip jika ingin disandarkan sebagai bentuk inovasi ekonomi syariah dengan akad wakalah bil ujrah. Melalui akad wakalah bil ujrah, jastip dapat menjadi lebih jelas regulasi yang dilaksanakannya agar tidak merugikan konsumen yang sebagai pengguna jasa layanan tersebut.
subject: Articles
  topic: section
subject: Akad Wakalah Bil Ujrah
  topic: keywords
subject: Jasa Titip Online
  topic: keywords
subject: Ekonomi Digital
  topic: keywords
subject: Gig Economy
  topic: keywords
subject: Ekonomi Syariah
  topic: keywords
creator: Muhammad Aufal Haq
creator: Alfin Izza Mahira
creator: Ahmad Muhaimin Iskandar
creator: Yolanda Evrie Elfayanti
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-27
publication date: 2025-02-27
doi: 10.14421/7gq12c25

Perspektif Islamic Moral Economy (Ime) Terhadap Gig Economy: Tantangan Keadilan Dan Kesejahteraan Pekerja Di Era Digital
type: item
description: The gig economy, which is rapidly growing in the digital era, offers flexibility and broader access to employment opportunities. However, this system also presents challenges to workers' welfare and fairness, including income instability, limited social security, and job insecurity. In the context of Islamic moral economy, the principles of justice (al-‘adl) and welfare (maslahah) are essential foundations for improving this system. The application of ijarah (leasing) and musyarakah (profit-sharing) contracts offers ethical solutions, ensuring contract clarity and providing worker protection. Through the integration of Islamic moral economy principles, the gig economy has the potential to become a system that supports social welfare, enhances worker justice, and creates a positive economic impact overall. Gig economy, yang semakin berkembang di era digital, menawarkanfleksibilitas dan kesempatan akses kerja yang lebih luas. Namun, sistem inimembawa tantangan bagi kesejahteraan dan keadilan pekerja, sepertiketidakpastian pendapatan, minimnya jaminan sosial, dan risiko kehilanganpekerjaan. Dalam konteks ekonomi moral Islam, konsep keadilan (al-‘adl) dan kesejahteraan (maslahah) menjadi dasar penting untuk memperbaiki sistem ini. Penerapan akad ijarah (sewa-menyewa) dan musyarakah (kerjasama bagi hasil) menawarkan solusi yang etis, memastikan kejelasan kontrak, dan memberikanperlindungan bagi pekerja. Melalui integrasi prinsip ekonomi moral Islam, gig economy berpotensi menjadi sistem yang mendukung kesejahteraan sosial, meningkatkan keadilan bagi pekerja, dan menciptakan dampak positif bagiekonomi secara keseluruhan.
subject: Articles
  topic: section
subject: Islamic Moral Economy
  topic: keywords
subject: Gig economy
  topic: keywords
subject: akad ijarah
  topic: keywords
subject: akad musyarakah
  topic: keywords
subject: fleksibilitas kerja
  topic: keywords
subject: perlindungan sosial
  topic: keywords
subject: kesejahteraan pekerja
  topic: keywords
subject: keadilan
  topic: keywords
creator: Gayan Asykar Sahida
creator: Aldy Komara Bintang
creator: Aisyah Miratil Hayati
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-27
publication date: 2025-02-27
doi: 10.14421/vds9z434

Prinsip dan Kaidah Hukum Islam sebagai Landasan Pengembangan Asuransi Syari’ah
type: item
description: Hukum ekonomi syariah semakin penting dalam menghadapi dinamika global yang kompleks. Kebutuhan akan transaksi sesuai dengan prinsip agama mendorong pengembangan hukum ekonomi syariah, yang berlandaskan pada prinsip fiqih dan norma-norma syariah. Prinsip hukum Islam, yang didasarkan pada Al-Qur’an dan Hadis, mencakup keadilan, keseimbangan, dan kemaslahatan umat. Prinsip-prinsip ini berfungsi sebagai landasan etika dan keadilan dalam aktivitas ekonomi, menghindari riba, gharar, dan praktik yang merugikan. Studi ini berfokus pada tiga aspek utama: pertama, prinsip-prinsip universal hukum Islam; kedua, kontekstualisasi prinsip-prinsip tersebut dalam hukum ekonomi syariah; dan ketiga, penerapannya dalam pengembangan ekonomi syariah khususnya pada Asuransi Syari’ah. Dengan pendekatan deskriptif-kualitatif, penelitian ini mengeksplorasi bagaimana prinsip-prinsip hukum Islam membentuk ekonomi syariah yang adil, sejahtera, dan berkelanjutan, serta relevan dalam menghadapi tantangan ekonomi modern. Prinsip hukum Islam tidak hanya bertujuan untuk keuntungan materi, tetapi juga menjaga keseimbangan moral dan spiritual. Pemahaman kaidah hukum Islam menjadi semakin penting dalam merespons tantangan ketidakadilan dan eksploitasi dalam sistem ekonomi konvensional, menjadikannya solusi yang relevan untuk menciptakan sistem ekonomi yang lebih inklusif dan berkeadilan.
subject: Articles
  topic: section
subject: Prinsip
  topic: keywords
subject: Kaidah Hukum,
  topic: keywords
subject: Asuransi Syari’ah
  topic: keywords
creator: Ratu Sheba Sofie Ahimsa
creator: Annisa Supriyanti
creator: Muhammad Afada Romdloni
creator: Khairunnisa Khairunnisa
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-02-27
publication date: 2025-02-27
doi: 10.14421/h9qh7z89

Contingent Liability in Traditional Economic Transactions: An Islamic Business Ethics Study in Dusun Cappego
type: item
description: Abstrak: Penelitian ini mengkaji praktik hutang piutang bersyarat dalam jual beli batu bata yang terjadi di Dusun Cappego, Sulawesi Barat, dari perspektif etika bisnis Islam. Praktik ini melibatkan dua akad qarḍ (pinjaman) dan bay’ (jual beli) yang terikat dalam satu kesepakatan informal, di mana pengrajin wajib menjual hasil produksinya kepada pengepul yang memberi pinjaman. Struktur ini menunjukkan indikasi multi-akad dengan unsur ta’alluq (keterikatan antar akad), yang menurut fatwa DSN-MUI dapat membatalkan keabsahan akad secara syar‘i. Selain aspek hukum, studi ini juga menyoroti pelanggaran terhadap prinsip etis dalam muamalat Islam, seperti keadilan, kerelaan, dan kejujuran. Pengrajin tidak memiliki kebebasan dalam menentukan harga dan pembeli, sementara pengepul memanfaatkan posisi dominan untuk mengontrol alur transaksi. Studi lapangan dilakukan melalui wawancara, observasi, dan dokumentasi, menunjukkan bahwa relasi ekonomi ini telah membentuk struktur ketergantungan sosial yang diwariskan secara turun-temurun. Minimnya literasi muamalat memperparah situasi, karena pelaku ekonomi lokal tidak memahami hak-hak mereka dalam transaksi syariah. Penelitian ini merekomendasikan pendekatan literasi muamalat yang partisipatif, berbasis nilai etika Islam, serta didukung oleh lembaga keuangan syariah yang adil. Temuan ini berkontribusi dalam mengisi kesenjangan antara norma fikih dan praktik ekonomi masyarakat informal. Artikel ini menekankan pentingnya membangun sistem transaksi yang tidak hanya sah secara hukum, tetapi juga etis secara moral dan memberdayakan secara sosial. Abstract: This study examines the practice of Contingent Liability in brick trading in Dusun Cappego, West Sulawesi, from the perspective of Islamic business ethics. The practice involves two contracts qarḍ (loan) and bay’ (sale) that are informally bound, requiring brickmakers to sell their products to the lender (collector). This structure indicates a hybrid contract with elements of ta’alluq (…
subject: Articles
  topic: section
subject: Utang-piutang bersyarat
  topic: keywords
subject: Multi-akad
  topic: keywords
subject: Etika Bisnis Islam
  topic: keywords
subject: Contingent Liability
  topic: keywords
subject: Hybrid Contracts
  topic: keywords
subject: Islamic Business Ethics
  topic: keywords
creator: Ayu Ulandari
creator: Muh Yusril Anam
rights: Copyright (c) 2024 http://creativecommons.org/licenses/by-sa/4.0
date: 2024-10-08
publication date: 2024-10-08
starting page: 203
ending page: 223
doi: 10.14421/az-zarqa.v16.i2.4084

Wealth and Its Acquisition in the Metaverse from the Perspective of Islamic Economic Law
type: item
description: Abstract: Metaverse is a digital space that merges the physical and virtual worlds, offering economic opportunities through various digital assets, including cryptocurrency, NFTs, and virtual properties. However, while offering significant potential in the digital economy, the metaverse presents challenges related to the application of Islamic economic law principles. This article aims to analyze wealth acquisition in the metaverse from the perspective of Islamic economics, focusing on the challenges and opportunities of integrating Islamic principles in this virtual world. The research employs a qualitative method with a Critical Discourse Analysis (CDA) approach to analyze the application of Islamic law principles in digital transactions within the metaverse. The findings of this study indicate that, while the Metaverse offers opportunities for digital wealth creation, there are significant challenges in applying the principles of Islamic economic law. Key challenges identified include legal uncertainty regarding the status of digital assets such as NFTs and cryptocurrency, as well as excessive speculation leading to gharār (uncertainty) and maysir (gambling) in transactions. The study also highlights the unequal distribution of wealth in the Metaverse, which poses a risk to the principle of justice in Islamic economics. Therefore, it is crucial to develop Sharia-based regulations that can govern digital transactions in the Metaverse in a fair and transparent manner. The development of Sharia-compliant cryptocurrency and the implementation of blockchain technology to enhance transaction transparency are essential steps in creating a more just and responsible digital economic system. Abstrak: Metaverse adalah ruang digital yang menggabungkan dunia nyata dengan dunia virtual, yang menawarkan peluang ekonomi melalui berbagai aset digital, termasuk cryptocurrency, NFT, dan properti virtual. Namun, meskipun menawarkan potensi besar dalam ekonomi digital, metaverse memb…
subject: Articles
  topic: section
subject: Islamic Economic Law
  topic: keywords
subject: Metaverse
  topic: keywords
subject: Wealth Acquisition
  topic: keywords
creator: Haryati Haryati
creator: Heri Junaidi
creator: Abdul Mughits
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-03-27
publication date: 2025-03-27
starting page: 152
ending page: 177
doi: 10.14421/az-zarqa.v16.i2.4024

Currency Value Changes: Historical Dynamics and Islamic Legal Perspectives in Maqāṣid Ash-Shari’ah
type: item
description: Abstract: This article discusses the fluctuations in currency value throughout the history of Islamic economics, from a precious metal-based monetary system (gold and silver) to the adoption of paper money. It also examines scholars' perspectives on the legal status of paper money and the challenges faced by contemporary monetary systems, including inflation and usury (riba). Employing a qualitative approach, this study analyzes historical literature and Islamic jurisprudence related to changes in the monetary system and the issues posed by fiat currencies. The data were primarily gathered through a review of various scholarly opinions on paper money, which are expected to provide a foundation for developing a more stable monetary system in line with Shariah principles. The study finds that the transition from a metal-based monetary system (gold and silver) to paper money introduces challenges related to inflation and riba, which contradict the principles of Maqāṣid Ash-Sharī’ah. Therefore, the study emphasizes the need for a more stable monetary policy aligned with Shariah principles, suggesting technology-based solutions such as asset-backed currencies or cryptocurrency as more stable alternatives free from exploitative debt practices classified as riba. Abstrak: Artikel ini membahas fluktuasi nilai mata uang sepanjang sejarah ekonomi Islam, mulai dari sistem moneter berbasis logam mulia (emas dan perak) hingga adopsi uang kertas. Artikel ini juga mengkaji pandangan para ulama mengenai status hukum uang kertas serta tantangan yang dihadapi oleh sistem moneter kontemporer, termasuk inflasi dan riba (bunga). Menggunakan pendekatan kualitatif, studi ini menganalisis literatur sejarah dan fiqih Islam terkait perubahan sistem moneter dan masalah yang ditimbulkan oleh mata uang fiat. Data utama dikumpulkan melalui tinjauan berbagai pendapat ulama tentang uang kertas, yang diharapkan dapat menjadi landasan untuk mengembangkan sistem moneter yang lebih stabil sesuai denga…
subject: Articles
  topic: section
subject: Currency Value Changes
  topic: keywords
subject: Maqāṣid Ash-Sharī'ah
  topic: keywords
subject: Islamic Law
  topic: keywords
subject: History of Muslim’s Economic System
  topic: keywords
creator: Ishlahu Darussalam
creator: Izbik Muhammad
rights: Copyright (c) 2024 Ishlahu Darussalam, Lc., Izbik Muhammad http://creativecommons.org/licenses/by-sa/4.0
date: 2025-11-06
publication date: 2025-11-06
starting page: 178
ending page: 202
doi: 10.14421/az-zarqa.v16.i2.4020

The Impact of Contract Blending on Sharia Compliance and Social Trust in Islamic Banking
type: item
description: Abstract: This study analyzes the implementation of Murābahah financing at BPRS Bhakti Sumekar, focusing on compliance with Sharī‘a principles, the role of social trust, and practical solutions to address observed challenges. The background of this research lies in the importance of maintaining the integrity of Sharī‘a principles in Islamic banking operations to build customer trust. The study aims to identify procedural violations, emerging risks, and strategic measures to enhance Sharī‘a compliance. A qualitative approach involving in-depth interviews and observations was employed. Data were analyzed using Social Trust Theory as the conceptual framework. The findings reveal that blending Wakālah and Murābahah contracts, although intended to expedite administrative processes, violates Fatwā DSN-MUI No.04/DSN-MUI/IV/2000 and undermines the bank’s credibility. Furthermore, weak post-financing monitoring triggers side-streaming risks, where customers use funds for purposes beyond the initial agreement. Transparency and education are proven to be key factors in building social trust, influencing customer loyalty and adherence to Sharī‘a principles. The study recommends the adoption of Mu‘allaq contracts for enhanced supervision, the use of digital-based technology for monitoring, and comprehensive customer education programs. Although limited to a single Islamic financial institution, these findings provide significant contributions to the development of social trust-based Sharī‘a financing practices in the Islamic banking sector. Abstrak: Penelitian ini menganalisis implementasi pembiayaan Murābahah di BPRS Bhakti Sumekar dengan fokus pada kepatuhan terhadap prinsip syariah, peran kepercayaan sosial, dan solusi praktis untuk mengatasi tantangan yang ditemukan. Latar belakang penelitian ini adalah pentingnya menjaga integritas prinsip syariah dalam operasional perbankan syariah untuk membangun kepercayaan nasabah. Penelitian ini bertujuan mengidentifikasi pelanggaran p…
subject: Articles
  topic: section
subject: Murābahah
  topic: keywords
subject: Wakālah
  topic: keywords
subject: Social Trust Theory
  topic: keywords
subject: Sharī‘a Compliance
  topic: keywords
subject: Islamic Banking
  topic: keywords
creator: M. Kausari Kaidani
creator: Yana Hendriana
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-01-18
publication date: 2025-01-18
starting page: 95
ending page: 114
doi: 10.14421/6nxzw596

ANALISIS AKAD-AKAD SYARIAH DAN APLIKASINYA PADA FINTECH SYARIAH PERPEKTIF FATWA DSN-MUI NOMOR 67/ DSN-MUI/ III/2008(Studi Kasus Produk Invoice Financing Syariah PT. Investree Radhika Jaya)
type: item
description: Salah satu Fintech yang menerapkan berbagai macam produk layanan pelaksanaan peer to peer lending (P2P) adalah PT. Investree Radhika Jaya, atau biasa disebut Investree. Salah satu produk produk yang ditawarkan ialah pembiayaan tagihan atau invoice financing syariah. Pembiayaan tagihan atau invoice financing syariah adalah produk mendanai yang dijamin oleh tagihan atau invoice, dirancang dengan menggunakan skema syariah melalui Akad Al Qardh untuk pemberian dana talangan dan Akad Wakalah Bil Ujrah untuk mendapatkan ujrah, hal ini seperti anjak piutang syariah. PT. Investree Radhika Jaya selaku penyelenggara bertindak sebagai wakil dari beberapa pihak; pemberi pinjaman, penerima pinjaman, dan payor. Hubungan saling keterkaitan antara beberapa pihak tersebut mengakibatkan berbagai macam akad digunakan disini, terdapat empat akad dalam produk invoice finacing syariah PT Investree Radhika Jaya, akad qardh, kafalah, wakalah bi ujrah, dan ta’zir. Penggunaan akad sudah sesuai dengan rukun dan syaratnya. Namun penelitan tentang produk invoice financing syariah jika dianalisa kesesuaian pelaksanaan dengan perspektif FATWA DSN-MUI NOMOR 67/ DSN-MUI/ III/2008. Dihasilkan bahwa produk invoice financing syariah belum sesuai dengan ketentuan. Hal ini dikarenakan saat pengambilan ujrah atau upah, hal mendasar yang dijadikan acuan pengambilan ialah prosentase dari nilai pokok hutang yang berhasil didanai bukan kepada nominal, sebagaimana ketentuan fatwa DSN-MUI. Hal ini bisa mendekatkan kepada riba.
subject: Articles
  topic: section
subject: P2P lending
  topic: keywords
subject: anjak piutang
  topic: keywords
subject: kafalah
  topic: keywords
creator: Sitta ‘Ala Arkham
rights: Copyright (c) 2024 http://creativecommons.org/licenses/by-sa/4.0
date: 2016-12-30
publication date: 2016-12-30
doi: 10.14421/94rmec54

Nazhir, Cash Waqf, and Digitalization: Assessing Sharia Compliance and Governance at Laznas Yakesma Kepri
type: item
description: Abstract: Cash waqf has become an increasingly significant instrument in supporting social and economic development in Indonesia. Laznas Yakesma of the Riau Islands is among the institutions engaged in the collection and management of cash waqf. This study aims to analyze the governance of cash waqf at Laznas Yakesma Kepri by evaluating the gap between the fulfillment of sharia objectives and adherence to national positive law. The research specifically assesses the extent to which nāẓir practices correspond with the principles of maqāṣid al-sharī‘ah, particularly ḥifẓ al-māl, and examines avenues for strengthening governance models to ensure alignment with the prevailing legal framework. A qualitative approach with a descriptive-analytical design is utilized. Primary data were collected through observation and semi-structured interviews with nāẓir representatives, while secondary data were sourced from waqf regulations as well as academic literature. Findings indicate that Yakesma Kepri has maintained the integrity of the waqf’s principal value, developed funds productively via a catering business, and disbursed resulting benefits to beneficiaries. These practices are indicative of the application of ḥifẓ al-māl and the socio-economic objectives of Islamic law. Nonetheless, inconsistencies remain regarding positive legal requirements, notably the lack of official certificates from Islamic financial institutions, insufficient protection via Islamic insurance, and limited digital systems and reporting to BWI. This study recommends enhanced collaboration between nāẓir, Islamic financial institutions, and Islamic insurance companies, together with the development of digital systems for fundraising, reporting, and transparency in cash waqf management. An integrated governance model is anticipated to foster more modern, accountable, and sustainable cash waqf management. Abstrak: Wakaf uang memainkan peran yang semakin penting dalam mendorong pembangunan sosial dan ekonom…
subject: Articles
  topic: section
subject: Cash Waqf
  topic: keywords
subject: Nāẓir
  topic: keywords
subject: Maqāṣid al-Sharī‘ah
  topic: keywords
subject: Governance
  topic: keywords
subject: Digitalization
  topic: keywords
creator: Agung Pratama
creator: M. Fijar Ishlahul Ummah
creator: Rizki Amar
creator: Sultan Wahidy
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-30
publication date: 2025-06-30
starting page: 40
ending page: 61
doi: 10.14421/az-zarqa.v17.i1.3841

Legal Compliance of Broiler Poultry Operators in Halal Certification: Regulation and Social Awareness
type: item
description: Abstract: Halal product assurance is an important issue in Muslim communities, as the concept of halal encompasses not only spiritual aspects but also reflects social and business responsibilities. However, the level of compliance among business operators in ensuring the halal status of their products remains varied, particularly in the broiler poultry farming sector, which is one of the main commodities consumed by the public. This study aims to analyze the legal compliance of broiler poultry farmers in Kampung Haji Pemanggilan, Anak Tuha Subdistrict, Central Lampung Regency, in meeting halal product assurance regulations. The study employs a qualitative method with a descriptive-analytical approach. Data were collected through in-depth interviews, observations, and documentation, focusing on three main indicators of legal compliance: Compliance, Identification, and Internalization. The findings indicate that business operators partnered with the Berkat Usaha Bersama Poultry Farmers Group (KPA) are more likely to adhere to halal standards due to the support of facilities and direct benefits from the partnership. In contrast, individual business operators show lower compliance due to lack of supervision, insufficient socialization, and the perception that halal certification is irrelevant to their local market. Other barriers include the high cost of certification and the complex administrative process. This study concludes that stricter supervision, intensive socialization, and incentives for small-scale business operators are necessary to improve legal compliance. Abstrak: Jaminan produk halal merupakan isu penting dalam masyarakat Muslim, mengingat kehalalan tidak hanya mencakup aspek spiritual tetapi juga mencerminkan tanggung jawab sosial dan bisnis. Namun, tingkat kepatuhan pelaku usaha dalam memastikan kehalalan produk masih bervariasi, terutama di sektor usaha ternak ayam potong yang menjadi salah satu komoditas utama konsumsi masyarakat. Penelitian ini bert…
subject: Articles
  topic: section
subject: Legal Compliance
  topic: keywords
subject: Halal Products
  topic: keywords
subject: Broiler Poultry Farming Business
  topic: keywords
subject: Social Awareness
  topic: keywords
creator: A. Sofi Marzuki
creator: Laily Khoiriyah
creator: M. Ikhwanul Huda
creator: Muhammad Faqihuddin El Hijri
rights: Copyright (c) 2025 http://creativecommons.org/licenses/by-sa/4.0
date: 2025-03-13
publication date: 2025-03-13
starting page: 137
ending page: 151
doi: 10.14421/az-zarqa.v16.i2.1608