Jurnal Hukum Ekonomi Syariah ISSN 2549-4872 (cetak), ISSN 2654-4970 (Online/elektronik) adalah media publikasi ilmiah peer review yang fokus menyebarluaskan hasil penellitian di bidang ilmu Hukum Ekonomi, Fiqh Muamalah, dan Ekonomi Syariah. Jurnal ini diterbitkan oleh Program Studi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Makassar bekerjasama dengan LP3M Unismuh Makassar. Jadwal Terbitan: Jurnal Hukum Ekonomi Syariah terbit secara berkala dua kali dalam setahun, yaitu pada bulan Juni dan Desember setiap tahunnya. Reputasi Jurnal: Jurnal Hukum Ekonomi Syariah telah diakreditasi oleh Akreditasi Jurnal Nasional (ARJUNA) yang dikelola oleh Kementerian Riset, Teknologi, dan Pendidikan Tinggi Republik Indonesia dengan Peringkat Empat (SINTA 4) sejak tahun 2019 hingga 2024 sesuai dengan SK No. B/3693/E5/E5.2.1/2019 Ketentuan Umum Naskah: Harap baca dan pahami pedoman penulis secara menyeluruh. Penulis yang mengirimkan naskah ke redaksi Jurnal Hukum Ekonomi Syariah harus mengikuti pedoman penulisan naskah yang sesuai dengan “article template” yang telah tersedia dan dapat di download pada side bar website ini. Jika naskah yang dikirimkan tidak mengikuti pedoman atau menggunakan format yang berbeda, maka akan ditolak oleh tim redaksi sebelum ditinjau. Tim Redaksi hanya akan menerima naskah yang memenuhi persyaratan format yang telah ditentukan.
Dalam hal artikel diterima oleh Tim Editorial Jurnal Hukum Ekonomi Syariah, dengan nomor terdaftar ISSN 2549-4872 (print), ISSN 2654-4970 (Online) dan Penulis mempertahankan hak cipta dan memberikan jurnal hak publikasi pertama dengan karya yang secara bersamaan dilisensikan di bawah Lisensi Atribusi Creative Commons yang memungkinkan orang lain untuk berbagi karya dengan pengakuan atas kepenulisan karya dan publikasi awal dalam jurnal ini. Prodi Hukum Ekonomi Syariah, Fakultas Agama Islam, Universitas Muhammadiyah Makassar sebagai penerbit Jurnal Hukum Ekonomi Syariah, dengan nomor terdaftar ISSN 2549-4872 (print), ISSN 2654-4970 (Online) memegang hak publikasi pertama semua artikel yang diterbitkan dalam jurnal ini. Prodi Hukum Ekonomi Syariah, Fakultas Agama Islam, Universitas Muhammadiyah Makassar memiliki hak untuk mereproduksi dan mendistribusikan artikel dan penulis tidak diizinkan untuk menerbitkan artikel yang sama yang diterbitkan dalam jurnal ini. Pernyataan Keaslian dan Naskah Hak Cipta dapat diunduh: di sini Setelah mengisi surat pernyataan, silakan kirim via email: jurnal.hes@gmail.com License: Jurnal Hukum Ekonomi Syariah is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. <img src="https://c.statcounter.com/t.php?sc_project=12059347&u1=D93B9B6B24E94F30B38B3F87F389FAAF&java=1&security=db07f611&sc_snum=1&sess=TEST&sc_rum_e_s=227&sc_rum_e_e=301&sc_rum_f_s=0&sc_rum_f_e=226&p=0&pv=15&rcat=d&rdomo=d&rdomg=5&jg=5&rr=350.301.263.232.198.160.97.60.44&resolution=1280&h=720&camefrom=https%3A//journal.unismuh.ac.id/index.php/jhes/manager/setup&u=https%3A//journal.unismuh.ac.id/index.php/jhes/manager/setup/3&t=Step%203.%20Guiding%20Submissions&sc_random=0.5553388036106959" alt="StatCounter - Free Web Tracker and Counter" border="0" /> View My Stats Authors are free to: Share: copy and redistribute the material in any medium or format Adapt: remix, transform, and build upon the material for any purpose, even commercially. The licensor cannot revoke these freedoms as long as you follow the license terms. which include the following: Attribution: You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use. ShareAlike: If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
Penguatan Inklusi Keuangan Syariah Melalui Fintech Syariah: Implikasi terhadap Pengembangan UMKM di Indonesia
Perkembangan pesat financial technology (fintech) syariah membuka peluang besar untuk meningkatkan inklusi keuangan syariah dan mendukung pengembangan usaha mikro, kecil, dan menengah (UMKM). Namun, bukti empiris mengenai mekanisme pengaruh fintech syariah terhadap pengembangan UMKM masih terbatas, khususnya dalam konteks daerah di Indonesia. Penelitian ini bertujuan menganalisis peran inklusi keuangan syariah sebagai variabel mediasi dalam hubungan antara layanan fintech syariah dan pengembangan UMKM. Penelitian menggunakan pendekatan kuantitatif dengan data yang dikumpulkan dari 100 pelaku UMKM di Kota Parepare, Sulawesi Selatan, Indonesia, dan dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa fintech syariah berpengaruh positif dan signifikan terhadap inklusi keuangan syariah serta pengembangan UMKM. Inklusi keuangan syariah juga berpengaruh positif dan signifikan terhadap pengembangan UMKM. Selain itu, inklusi keuangan syariah terbukti memediasi secara parsial hubungan antara fintech syariah dan pengembangan UMKM, yang menunjukkan bahwa manfaat adopsi fintech semakin kuat ketika diikuti oleh akses yang lebih luas terhadap layanan keuangan syariah. Model penelitian mampu menjelaskan 50,1% variasi pengembangan UMKM. Temuan ini menegaskan peran strategis fintech syariah dalam memperkuat ekosistem keuangan Islam yang inklusif serta mendorong pertumbuhan UMKM yang berkelanjutan. Penelitian ini memberikan kontribusi empiris terhadap literatur keuangan digital syariah serta menawarkan implikasi praktis bagi pembuat kebijakan, lembaga keuangan syariah, dan penyedia fintech.
Hak Cipta (c) 2026 Syamsul Ma'arif, Muhammadun, Semaun, Bahri S., Frihatni https://creativecommons.org/licenses/by-sa/4.0
Kepastian Hukum Profit and loss sharing dalam Investasi Perbankan Syariah: Analisis POJK Nomor 4 Tahun 2026 dalam Perspektif Hukum Ekonomi Syariah
Perkembangan industri perbankan syariah di Indonesia mendorong lahirnya berbagai instrumen investasi berbasis prinsip syariah, salah satunya melalui penerapan prinsip Profit and Loss Sharing (PLS) sebagai karakter utama investasi syariah. Kehadiran POJK Nomor 4 Tahun 2026 tentang Penyelenggaraan Produk Investasi Perbankan Syariah menjadi langkah penting dalam memperkuat regulasi investasi syariah sekaligus memberikan kepastian hukum bagi investor dan lembaga keuangan syariah. Penelitian ini bertujuan untuk menganalisis pengaturan prinsip profit and loss sharing dalam POJK Nomor 4 Tahun 2026, menilai tingkat kepastian hukum yang dihasilkannya, serta mengkaji kesesuaiannya dengan prinsip-prinsip Hukum Ekonomi Syariah. Penelitian ini menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan, pendekatan konseptual, dan pendekatan filosofis. Bahan hukum yang digunakan terdiri atas peraturan perundang-undangan, fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia, literatur hukum ekonomi syariah, serta berbagai artikel ilmiah yang relevan. Analisis dilakukan secara deskriptif-analitis melalui interpretasi hukum dan pengujian kesesuaian norma terhadap prinsip-prinsip Hukum Ekonomi Syariah. Hasil penelitian menunjukkan bahwa POJK Nomor 4 Tahun 2026 telah mempertegas karakter investasi syariah berbasis risk sharing melalui pengaturan mekanisme bagi hasil, pembagian risiko, transparansi informasi, serta tata kelola investasi. Dari perspektif kepastian hukum, regulasi tersebut telah memberikan kejelasan mengenai hak dan kewajiban para pihak serta mekanisme investasi yang relatif memadai, meskipun masih terdapat ruang untuk penguatan dalam aspek pembagian kerugian dan penyelesaian sengketa. Selain itu, pengaturan dalam POJK Nomor 4 Tahun 2026 pada prinsipnya telah sejalan dengan nilai keadilan, transparansi, kemaslahatan, dan perlindungan harta yang menjadi landasan Hukum Ekonomi Syariah. Penelitian ini menegaskan pentingnya penguatan regulasi dan pengawasan untuk mewujudkan sistem investasi perbankan syariah yang lebih adil, transparan, dan berkelanjutan.
Hak Cipta (c) 2026 Indah Fatmawati, Leli Joko Suryono https://creativecommons.org/licenses/by-sa/4.0
Muslim Consumer Protection in Buy Now Pay Later Transactions under Sharia Economic Law
This study examines Muslim consumer protection in Buy Now Pay Later (BNPL) transactions from the perspective of Sharia economic law. The rapid growth of digital marketplaces has encouraged the use of BNPL services as an alternative payment method that offers convenience, flexibility, and wider access to consumer financing. However, this system also raises legal and ethical concerns, particularly regarding transparency, late-payment penalties, potential riba, gharar, consumer vulnerability, and the adequacy of legal protection for Muslim consumers. This research employs a normative juridical method with a conceptual and statutory approach by analyzing Islamic legal principles, Sharia economic law, consumer protection regulations, and fintech-related legal frameworks. The study finds that BNPL transactions may be considered permissible if they fulfill the principles of fairness, transparency, mutual consent, and the absence of prohibited elements such as riba, excessive uncertainty, and exploitative clauses. Consumer protection in BNPL must therefore ensure clear disclosure of costs, fair contractual terms, responsible financing, data protection, and effective dispute resolution mechanisms. The study emphasizes the need for stronger Sharia compliance standards in digital financing practices to protect Muslim consumers while supporting innovation in the Islamic digital economy.
Hak Cipta (c) 2026 Haris Munandar https://creativecommons.org/licenses/by-sa/4.0
Traditional Market Resilience and Adaptation in Indonesia: A Systematic Literature Review from an Islamic Economics Perspective
Traditional markets have faced mounting competitive pressure from the rapid expansion of modern retail over the past two decades. This study analyzes the resilience of Indonesian traditional markets against modern-market dominance from an Islamic economics perspective, identifying the factors shaping their competitiveness and formulating adaptation strategies aligned with justice, sustainability, and the public good. Using a qualitative Systematic Literature Review under the PRISMA 2020 protocol, we synthesized 25 selected sources from 185 initial records retrieved from Google Scholar, Garuda Portal, DOAJ, and SINTA. Thematic analysis identified seven dominant themes social capital and communal trust, operational digitalization, regulation and legal protection, physical revitalization and management, local product differentiation, the Islamic economics perspective, and policy advocacy with social capital and digitalization confirmed as the two primary determinants of resilience. Islamic economic values, including honesty, the prohibition of gharar, economic ukhuwah, and the protection of small businesses, emerged as the ethical foundation of that resilience. The study’s principal contribution is a Six-Dimension Adaptation Strategy Model, grounded in Islamic economic values, that integrates the social, economic, institutional, digitalization, regulatory, and public-welfare dimensions traditional markets need to strengthen their resilience and compete with modern markets
Hak Cipta (c) 2026 Rifki Ramadhan, Ega Saputra, Rizal Fahlefi https://creativecommons.org/licenses/by-sa/4.0
Literasi Fintech Syariah pada Mahasiswa: Analisis Kepatuhan terhadap Prinsip Syariah dan Risiko Perilaku Konsumtif
Perkembangan teknologi finansial telah mendorong perubahan signifikan dalam perilaku keuangan mahasiswa, termasuk meningkatnya penggunaan layanan fintech syariah. Namun, kemudahan akses tersebut juga menimbulkan persoalan terkait kepatuhan terhadap prinsip-prinsip syariah dan risiko perilaku konsumtif. Penelitian ini bertujuan untuk mengukur tingkat literasi fintech syariah dan kepatuhan mahasiswa terhadap prinsip syariah secara deskriptif, serta menguji secara statistik pengaruh literasi fintech syariah terhadap risiko perilaku konsumtif mahasiswa. Penelitian ini menggunakan pendekatan kuantitatif dengan desain deskriptif–eksplanatori melalui metode survei. Subjek penelitian adalah 124 mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Makassar yang dipilih secara purposive. Data dikumpulkan menggunakan kuesioner berskala Likert dan dianalisis dengan statistik deskriptif serta regresi linear sederhana. Hasil penelitian menunjukkan bahwa tingkat literasi fintech syariah mahasiswa berada pada kategori sedang hingga tinggi, sementara kepatuhan terhadap prinsip syariah berada pada kategori sedang. Analisis regresi menunjukkan bahwa literasi fintech syariah berpengaruh negatif dan signifikan terhadap perilaku konsumtif mahasiswa. Kesimpulannya, literasi fintech syariah berperan sebagai faktor protektif yang penting dalam menekan kecenderungan perilaku konsumtif mahasiswa, sekaligus memperkuat praktik keuangan yang lebih etis dan sesuai dengan prinsip syariah.
Hak Cipta (c) 2026 Sulaeman https://creativecommons.org/licenses/by-sa/4.0
The Jurisdiction Of The Religious Courts Over Islamic Banking Disputes In Indonesia
The settlement of Islamic economic disputes, particularly those related to Islamic banking, falls under the jurisdiction of the Religious Courts in Indonesia. This study examines two main issues: the scope of the Religious Courts’ authority in resolving Islamic banking disputes and their readiness in terms of institutional structure, legal politics, and substantive law. The research aims to analyze the legal foundation of such authority and to assess the institutional and normative preparedness of the Religious Courts in handling Islamic banking disputes. This study employs a descriptive qualitative method with a normative–conceptual approach, using primary data derived from statutory regulations, legal documents, and relevant legal literature. The findings indicate that the absolute jurisdiction of the Religious Courts is expressly regulated in Article 49 of Law No. 3 of 2006, which authorizes these courts to examine, adjudicate, and resolve disputes among Muslims, including those arising from Islamic economic transactions. Furthermore, the readiness of the Religious Courts in resolving Islamic banking disputes encompasses three key aspects: the professionalism and legal competence of judges and court officials; the understanding of legal politics to harmonize the Islamic banking legal system with the conventional banking framework while upholding Islamic legal principles; and the strengthening of legal substance through the enactment of statutory regulations and the development of the Compilation of Islamic Economic Law (Kompilasi Hukum Ekonomi Syariah/KHES). These elements are essential to ensure effective and legally sound dispute resolution within the Religious Court system.
Hak Cipta (c) 2026 St Salehah Madjid, Amri, Nurwahidin, Nurmi, Fayziev https://creativecommons.org/licenses/by-sa/4.0
Analysis of Zakat, Infaq, and Sadaqah (ZIS) Management in Mosque Zakat Collection Units (UPZ) in Palembang City
Mosque Zakat Collection Units (UPZ) occupy a distinct strategic position, operating as grassroots collection centers and enjoying high communal trust. However, UPZ Mosques including the 369 officially registered units in Palembang City often operate within a duality: adhering to formal regulatory demands from BAZNAS while simultaneously managing limited human resources and organizational structures. This research aims to comprehensively analyze ZIS management practices within these Mosque UPZ in Palembang City. This study employed a descriptive qualitative approach utilizing a multiple case study design. The sample selection was conducted through Stratified Purposive Sampling, resulting in the selection of 18 Mosque UPZ representing variations in collection scale and location context. Primary data was gathered via in-depth interviews with key UPZ. The findings reveal significant heterogeneity in ZIS management practices among the sampled Mosque UPZ in Palembang City. While fundamental collection and local distribution activities generally align, primary challenges identified include inconsistent accountability systems (record-keeping and reporting) and limitations in certified human capital. UPZ with a large scale of collection tend to exhibit more structured and transparent management processes. ZIS management within Mosque UPZ in Palembang City requires strategic harmonization between community-based practices and formal accountability requirements. The practical implication of this study underscores the necessity for structured capacity building programs delivered by BAZNAS Palembang City. These programs should focus on improving financial literacy and standardized reporting among UPZ human resources.
Hak Cipta (c) 2026 Dessy Carolina, Apriansyah, Anggreni, Nurpratiwi https://creativecommons.org/licenses/by-sa/4.0
Penerapan Prinsip Maqashid Al-Syariah Dalam Regulasi Green Sukuk Di Indonesia
Penelitian ini bertujuan untuk menganalisis penerapan prinsip maqashis al-syari’ah dalam regulasi green sukuk di Indonesia, sebagai instrument keaungan syari’ah yang mendukung pendanaan pembangunan berkelanjutan. Green sukuk tidak dapat dikatagorekan sebagai hutang, akan tetapi merupakan bukti kepemilikan aset dari proyek-proyek yang ramah lingkungan, seperti energi terbarukan, efisiensi energi, pengolahan limbah dan adaptasi perubahan iklim. Regulasi yang digunakan dengan menerapkan nilai-nilai yang terkandung dalam ketentuan hukum ekonomi Islam, sehingga imbahalan yang dihasilkan dari green sukuk menggunakan system bagi hasil karena diantara landasan yang digunakan diantaranya dari fatwa DSN MUI. Penelitian ini menggunakan pendekatan yuridis normative, dengan cara mengkaji peraturan perundang-undangan yang terkait dengan green sukuk. Dan hasil penelitian ini telah menunjukkan bahwa penerapan dalam regulasi green sukuk telah sejalan dengan prinsip-prinsip yang terkandung dalam maqashid al-syari’ah, terutama dalam menjaga keberlangsungan hidup (hifz al-nasl), menjaga harta (hifz al-mal), menjaga akal (hifz al-aql), menjaga keturunan (hifz al-nafz) dan menjaga secara keseluruhan ketentuan dalam agamanya (hifz al-din).
Hak Cipta (c) 2026 AHMAD S.KOM https://creativecommons.org/licenses/by-sa/4.0
Analisis Kepatuhan Syariah Dalam Praktik Investasi Kripto(Cryptocurrency) Di Indonesia.
Cryptocurrency di Indonesia berkembang sangat cepat, terutama sebagai aset investasi, namun masih menghadapi persoalan utama berupa ketidakpastian regulasi, perlindungan konsumen yang belum optimal, volatilitas harga yang ekstrem, serta potensi adanya unsur transaksi yang bertentangan dengan prinsip syariah seperti gharar, maysir, dan riba. Penelitian ini dilakukan untuk menilai bagaimana keberadaan dan praktik investasi kripto dapat dipahami dari sisi aturan negara dan kesesuaiannya bagi investor muslim dalam ruang muamalah digital. Studi ini menggunakan metode kualitatif dengan pendekatan deskriptif-analitis berbasis telaah literatur (content analysis) dari jurnal, fatwa ulama, regulasi Bappebti, dan laporan industri. Hasil kajian menunjukkan bahwa negara memposisikan kripto sebagai komoditas investasi, bukan alat pembayaran yang sah, serta bahwa kepatuhan syariah pada kripto bersifat kondisional mayoritas aset tinggi unsur spekulasi dan tanpa underlying asset jelas masih berisiko besar, sementara stablecoin dan mekanisme berbasis akad bagi hasil memiliki potensi lebih sesuai jika dilakukan secara jelas dan non-ribawi. Secara umum, kripto tidak dapat dihukumi halal atau haram secara mutlak, namun dapat digunakan sebagai instrumen investasi yang diperbolehkan selama prinsip transparansi, kejelasan objek, dan keadilan transaksi terjaga serta unsur terlarang dapat dihindari, sehingga penguatan regulasi dan penyusunan standar investasi digital berbasis syariah menjadi kebutuhan penting ke depan.
Hak Cipta (c) 2026 Nur Aini Mar'atus Solichah, Nur 'Afina Arif, Muhammad Fachrul Fathoni, Ahmad Muis https://creativecommons.org/licenses/by-sa/4.0
Tinjauan Hukum Islam Terhadap Penentuan Harga Dalam Jual Beli Alat Pertanian Dengan Pembayaran Tunda Studi Di Desa Damarpura Kecamatan Buana Pemaca Kabupaten Oku Selatan
Praktik jual beli di pedesaan kerap berjalan sederhana dan berdasarkan kepercayaan, namun di balik kesederhanaan tersebut sering muncul persoalan kejelasan harga yang berpotensi menimbulkan ketidakadilan. Penelitian ini bertujuan untuk menganalisis sistem penentuan harga dalam jual beli alat pertanian di Desa Damarpura, Kecamatan Buana Pemaca, Kabupaten OKU Selatan, serta meninjau kesesuaiannya dengan prinsip hukum Islam. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan desain studi kasus melalui observasi langsung dan wawancara terhadap satu orang penjual serta sebelas orang pembeli. Hasil penelitian menunjukkan bahwa terdapat dua sistem pembayaran, yaitu tunai dan tunda. Harga tunai disepakati di awal akad, sedangkan harga tunda baru diinformasikan saat pelunasan dengan selisih harga yang signifikan tanpa adanya pencatatan tertulis. Praktik ini mengandung unsur gharar (ketidakjelasan) yang bertentangan dengan prinsip kejelasan harga (jahl bi al-tsaman), keadilan (‘adl), dan kerelaan (tarādhī) dalam fiqh muamalah, karena menimbulkan ketidakseimbangan informasi antara penjual dan pembeli. Kesimpulan penelitian ini menegaskan pentingnya penetapan harga secara jelas di awal akad, pencatatan transaksi, serta edukasi fiqh muamalah agar transaksi berjalan transparan, adil, dan sesuai prinsip syariah. Kata Kunci: Jual Beli, Harga Tunda, Fiqh Muamalah, Gharar, Keadilan Ekonomi Islam.
Hak Cipta (c) 2025 Rita Zahara, Relit Nur Edi, Helma Maraliza https://creativecommons.org/licenses/by-sa/4.0
Critical Evaluation of Governance and Good Corporate Governance in Managing Mudharabah Deposits at Bank Aceh
The management of mudharabah deposits at Bank Aceh Syariah presents governance challenges arising from limited coordination among the Board of Commissioners, the Board of Directors, and the Sharia Supervisory Board. This study investigates how these governance organs perform their supervisory, operational, and sharia compliance roles in managing deposit funds. Unlike previous studies that focus mainly on structural aspects of governance, this research highlights the practical gaps that emerge when strategic decision-making is dominated by a single governance organ. Using a qualitative approach, data were collected through interviews, observations, and document reviews. The findings show that although the governance structure appears adequate, its implementation is hindered by restricted information flow, the Directors’ dominance in strategic decisions, and the Sharia Supervisory Board’s limited substantive involvement. These insights provide a novel contribution by illustrating how governance dynamics directly shape intermediation effectiveness and sharia compliance. The study concludes that a more integrated governance framework is essential to strengthen accountability, enhance sharia alignment, and support regional economic development
Hak Cipta (c) 2025 Media, Marzuki, Saputra, Nuzula https://creativecommons.org/licenses/by-sa/4.0
Penetapan Kriteria Penerima Zakat Penghasilan Dalam Hukum Islam di Lembaga Amil Zakat Infaq dan Shodaqoh Muhammadiyah Metro
Penelitian ini membahas tentang penetapan kriteria penerima zakat penghasilan di Lembaga Amil Zakat Infaq dan Shodaqoh Muhammadiyah Metro, bagaimana Lembaga Amil Zakat Infaq dan Shodaqoh Muhammadiyah Metro menghadapi perubahan kondisi sosial dan ekonomi masyarakat serta melihat bagaimana Lembaga Amil Zakat dan Shodaqoh menentukan siapa yang berhak menerima zakat penghasilan berdasarkan kondisi sosial dan ekonomi masyarakat apakah tetap berpegang teguh pada 8 asnaf ataukan ada penyesuaian dengan kondisi sosial dan ekonomi masyarakat saat ini. Tujuan utama dari penelitian ini adalah menganalisis bagaimana Lembaga Amil Zakat Infaq dan Shodaqoh menetapkan kriteria penerima zakat penghasilan dan menganalisa apakah kriteria penerima zakat penghasilan tersebut sesuai dengan prinsip prinsip Hukum Islam. metode yang digunakan adalah pendekatan kualitatif. Data primer di dapatkan dari wawancara dengan pengurus lembaga serta penerima zakat. Data sekunder diperoleh dari dokumen resmi lembaga seperti pedoman penetapan penerima zakat ataupun laporan tahunan. Hasil penelitian menunjukan bahwa Lembaga Amil Zakat Infaq dan Shodaqoh Muhammadiyah Metro merujuk pada kategori 8 asnaf sebagai dasar, namun tetap menyesuaikan kondisi sosial dan ekonomi masyarakat serta menyesuaikan kebutuhan kondisi penerima zakat dan mengembangkan zakat produktif. Kesimpulannya Lembaga Amil Zakat Infaq dan Shodaqoh tetap berpegang pada 8 Asnaf tetapi tetap menyesuaikan kondisi masyarakat dan kebutuhan penerima zakat penghasilan.
Hak Cipta (c) 2025 Nanda Amulia Fitri, Khoiruddin, Apriansyah https://creativecommons.org/licenses/by-sa/4.0
Integrating Sharia Contracts and Digital Technology in Indonesian Digital Wallet Platforms
Digitalization in the field of Islamic finance is now a top priority, along with the rapid development of technology. This research discusses the implementation of digital contracts that comply with Sharia principles, while examining the challenges of integrating Islamic law with digital technology on electronic wallet platforms. Using a qualitative and descriptive-exploratory approach, data was collected thru literature studies and interviews with Islamic financial institutions, fintech practitioners, and users. The results show significant progress in the implementation of digital contracts, but there are still gaps in aligning Sharia rules with digital systems. The main challenges include the legal validity of digital contracts, the protection of personal data, and transaction security. This research emphasizes the importance of clear and flexible regulations to ensure that digital financial transactions remain in accordance with Sharia principles. Additionally, it is recommended to strengthen the legal framework, improve public understanding of Sharia-compliant fintech, and improve security infrastructure. Thru the analysis of real-world cases such as GoPay and LinkAja Syariah, this research proposes a model for developing digital contracts that are transparent, secure, and fully compliant with Sharia law. Overall, this research contributes to the broader discussion on Islamic digital finance by providing insights into the suitability of regulations and ethical digitalization, thus supporting the growth of a sustainable and inclusive Islamic financial ecosystem.
Hak Cipta (c) 2025 Muhammad Robbani Ridho Robbani, Rosyadi https://creativecommons.org/licenses/by-sa/4.0
Business Law Ethics in the Perspective of Muhammadiyah Values: The Challenge of Applying Business Ethics in the Modern Era
The rapid development of information and communication technology in Indonesia's business sector has made the existing business sector increasingly complex and competitive. The application of strong ethics is very important to maintain integrity and trust among business actors, considering that the challenges faced by business actors are also based on Islamic principles. The perspective of Muhammadiyah values, which are based on Islamic teachings that prioritize justice and ethics, has an important point in making a significant contribution to overcoming the challenges that exist in business ethics today. This study aims to identify and analyze the principles of business law ethics from the perspective of Muhammadiyah values, exploring the challenges faced in the application of business ethics from the perspective of Muhammadiyah values in the modern era. This research uses a literature study research method, which is a series of activities related to collecting library data, reading and recording, and managing research materials. The context of this research is important to examine in order to strengthen the position of business ethics from the Muhammadiyah perspective.
Hak Cipta (c) 2025 Sirait, Yuliastini, Yus, Annurdi https://creativecommons.org/licenses/by-sa/4.0
Strengthening Judicial Authority In Sharia Economic Disputes: A Legal Study Of Indonesia’s Religious Courts
This study explores the legal and institutional dynamics of Sharia economic dispute resolution in Indonesia by analyzing the impact of Law No. 3 of 2006 and Law No. 50 of 2009 on the jurisdiction and functioning of the Religious Courts. In response to the rapid growth of Islamic finance, the study investigates how Indonesia's judiciary has adapted to accommodate Sharia-based commercial transactions. Using a normative-juridical approach and library-based legal research, the study evaluates primary legislation, court rulings, and relevant scholarly discourse. The findings show that Law No. 3 of 2006 significantly redefined the role of Religious Courts by formally granting them the authority to adjudicate Sharia economic disputes. Law No. 50 of 2009 further enhanced legal clarity and institutional capacity, thus fostering a supportive environment for Islamic finance. Despite these advancements, the implementation process faces persistent challenges. These include inadequate judicial training, underutilization of alternative dispute resolution methods, and procedural inconsistencies. The study also notes a lack of public trust in Religious Courts and insufficient integration between Sharia principles and national legal standards. The study concludes that while statutory reforms have laid a robust foundation comprehensive institutional and procedural adjustments are essential for ensuring legal certainty and promoting the legitimacy of Sharia economic dispute resolution. This research contributes to the growing discourse on Islamic legal reform and offers policy-relevant insights for harmonizing religious and national legal systems in pluralistic societies.
Hak Cipta (c) 2026 Ridwan Malik, M. Thahir Maloko, Fatmawati Fatmawati https://creativecommons.org/licenses/by-sa/4.0
Analysis of Production Factors on Agro Industry Production Value in Central Lombok Regency from an Sharia Economic Perspective
Penelitian ini bertujuan untuk menganalisis fungsi faktor-faktor produksi terhadap nilai produksi agroindustri di Kabupaten Lombok Tengah dari perspektif ekonomi syariah. Hipotesis yang diajukan adalah peningkatan faktor-faktor produksi seperti tenaga kerja, modal, dan bahan baku akan berbanding lurus dengan peningkatan nilai produksi. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan menggunakan data sekunder tahun 2018-2022. Analisis yang digunakan meliputi statistik deskriptif, Compound Annual Growth Rate (CAGR), korelasi Pearson, rasio-rasio ekonomi, dan analisis produktivitas. Hasil penelitian menunjukkan adanya korelasi yang sangat kuat antar faktor produksi (r=0,944-0,999), dengan korelasi tertinggi terjadi pada bahan baku dan nilai produksi (r=0,999). Produktivitas tenaga kerja mengalami penurunan rata-rata 0,38% per tahun, sedangkan investasi tumbuh 1,015% per tahun. Proporsi biaya tenaga kerja hanya 4,72% dari nilai produksi, menunjukkan karakteristik padat modal. Efisiensi bahan baku tetap stabil pada angka 2,42, dengan nilai tambah mencapai 58,66%. Dari perspektif ekonomi Islam, industri ini menunjukkan keselarasan dengan tauhid, tetapi memerlukan perbaikan dalam keadilan distributif ('adl) dan optimalisasi maslahah. Penelitian ini memberikan kontribusi secara teoritis terhadap integrasi ekonomi Islam dengan analisis industri dan menawarkan rekomendasi praktis untuk pengembangan agroindustri yang adil dan berkelanjutan.
Hak Cipta (c) 2025 Baiq Sufia Kasih, Syawahid Syawahid, Nining Purwati https://creativecommons.org/licenses/by-sa/4.0
Urgensi Pencabutan Label Halal pada Produk Terafiliasi Israel: Tinjauan Hukum Islam dan Fatwa MUI No. 83 Tahun 2023
Artikel ini membahas urgensi pencabutan label halal terhadap produk-produk yang terafiliasi dengan Israel dalam perspektif hukum Islam dan ditinjau berdasarkan Fatwa Majelis Ulama Indonesia (MUI) No. 83 Tahun 2023 tentang Dukungan terhadap Perjuangan Palestina. Fatwa tersebut menegaskan bahwa mendukung perjuangan Palestina adalah kewajiban moral dan keagamaan umat Islam, serta menyatakan haram mendukung pihak yang secara langsung maupun tidak langsung membantu agresi Israel, termasuk melalui transaksi ekonomi. Dalam konteks ini, produk terafiliasi Israel meskipun memenuhi syarat kehalalan zat dan proses, dinilai tidak layak menyandang label halal karena bertentangan dengan prinsip maslahah dan nilai-nilai keadilan dalam Islam. Melalui pendekatan normatif dan yuridis, artikel ini mengkaji peran otoritas sertifikasi halal serta landasan hukum dalam mengaitkan aspek spiritualitas, etika konsumsi, dan solidaritas kemanusiaan. Hasil analisis menunjukkan bahwa pencabutan label halal atas produk-produk tersebut bukan hanya relevan secara fiqhiyyah, tetapi juga mendesak sebagai bentuk implementasi nyata dari prinsip al-wala’ wa al-bara’, serta sebagai upaya strategis menekan dominasi ekonomi Israel. Dengan demikian, perlunya peninjauan ulang terhadap standar sertifikasi halal menjadi bagian penting dalam mendukung perjuangan kemerdekaan Palestina.
Hak Cipta (c) 2025 Najikha Akhyati https://creativecommons.org/licenses/by-sa/4.0
Peran Kepuasan Anggota dalam Memediasi Pengaruh Etika Bisnis Islam dan Kualitas Pelayanan terhadap Loyalitas pada Koperasi Syariah
Penelitian ini bertujuan untuk menganalisis pengaruh Etika Bisnis Islam dan kualitas pelayanan terhadap loyalitas anggota, dengan kepuasan anggota sebagai variabel mediasi pada KSPPS BMT Mutiara Umat Sejahtera Kudus. Sampel penelitian berjumlah 168 anggota dengan data diperoleh melalui kuesioner. Analisis dilakukan menggunakan metode Structural Equation Modelling (SEM) dengan bantuan software AMOS 24.0. Uji validitas dan reliabilitas mencakup convergent validity, average variance extracted (AVE), discriminant validity, dan construct reliability. Hasil penelitian menunjukkan bahwa Etika Bisnis Islam tidak berpengaruh langsung terhadap loyalitas, namun berpengaruh signifikan terhadap kepuasan anggota. Sebaliknya, kualitas pelayanan berpengaruh signifikan terhadap kepuasan dan loyalitas anggota. Kepuasan anggota terbukti memediasi secara penuh hubungan antara Etika Bisnis Islam dan loyalitas, serta secara parsial antara kualitas pelayanan dan loyalitas. Temuan ini mengindikasikan bahwa peningkatan Etika Bisnis Islam dan kualitas pelayanan mampu mendorong kepuasan yang berdampak pada loyalitas anggota.
Hak Cipta (c) 2025 achmad farizal https://creativecommons.org/licenses/by-sa/4.0
The Transformation of Zakat in Indonesia: Integrating Religious Obligation and State Responsibility in Pursuit of Economic Justice
This research aims to analyze the regulation of zakat in the Indonesian legal system as well as evaluate its implementation as an instrument of community economic justice, by examining the balance between religious obligations and the role of the state in the management of zakat. The research uses normative-empirical approach with descriptive-qualitative analysis method. Primary data is obtained from the study of Law No. 23/2011 on Zakat Management, its derivative regulations, and court decisions related to zakat disputes. Secondary data include reports of the National Amil Zakat Agency (BAZNAS), scientific articles, and previous research on the effectiveness of zakat in economic development. Data collection is done through document study and literature review. Data analysis uses content analysis of zakat regulations and policies to identify gaps between theory and practice. The results show that zakat regulation in Indonesia has provided strong legal legitimacy, but its implementation still faces obstacles such as institutional fragmentation between BAZNAS and LAZ. Religiously, there is still low compliance of Muslim society to give zakat. In addition, Zakat has the potential to be an effective economic redistribution tool, but its distribution has not been optimal in reducing social inequality. The role of the state in supervision and standardization of zakat management needs to be strengthened to ensure transparency and accountability. This study concludes that the integration of religious obligation and state responsibility in zakat regulation has not fully achieved the goal of economic justice, so more progressive policy reforms are needed.
Hak Cipta (c) 2025 Restia Gustiana, Najikha Akhyati, Maria Ulfa https://creativecommons.org/licenses/by-sa/4.0
Dinamika Hukum Pembiayaan Komoditi Murabahah pada Perbankan Syariah: Tinjauan Fiqh Muamalah
Perbankan Syariah merupakan Lembaga keuangan yang berbasis pada prinsip-prinsip syariah dalam produk akad yang digunakannya. Tujuan penelitian ini adalah meninjau lebih dalam tentang hukum pembiayaan komoditi murabahah pada perbankan syariah dengan meninjau dari perspektif fiqh muamalah, dengan melihat dari segi penerapan dan batasan yang telah ditentukan oleh regulasi perbankan syariah. Penelitian ini bertujuan untuk mengetahui validitas keabsahan akad pembiayaan komoditi murabahah dengan melihat regulasi di tiga negara yaitu Arab Saudi, Malayasia dan Indonesia. Artikel ini tergolong pada penelitian lapangan yang berbasis kualitatif. Metodologi yang digunakan adalah hukum normatif yang dikemas secara deskriptif analitis. Hasil penelitian menyimpulkan Pada dasarnya pembiayaan komoditi murabahah tidak sepenuhnya bersifat makruh dan haram. Beberapa konsep tawarruq di perbankan syariah seperti Arab Saudi, Malaysia dan Indonesia diperbolehkan untuk diimplementasikan dengan ketentuan masing-masing negara terkhusus pada nasabah yang dalam keadaan darurat ataupun terdesak maupun pada perbankan syariah yang sedang mengalami defisit pada perusahaannya. Penerapan akad tawarruq ini menjadikan tingkat kepercayaan Masyarakat kepada perbankan syariah untuk memenuhi kebutuhan pokok dari nasabah itu sendiri dan tetap terjaga sesuai dengan prinsip-prinsip syariah dalam kegiatannya.
Hak Cipta (c) 2025 Muhamad Faizal Akbar https://creativecommons.org/licenses/by-sa/4.0
The Concept of Digital Rupiah (Central Bank Digital Currency) as a Medium of Exchange in the Context of Sharia Economic Law
The development of digital technology has prompted central banks to develop Central Bank Digital Currency (CBDC), including in Indonesia with the introduction of Digital Rupiah. Although it has been legally recognized through Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (P2SK Law), its compatibility with Sharia Economic Law is still being debated. Therefore, this study aims to analyze the Digital Rupiah as a medium of exchange from the perspective of Islamic Economic Law, particularly in relation to public interest and the objectives of Sharia law. This study employs a descriptive-analytical qualitative method with a normative approach, examining relevant regulations and comparing the concept of the Digital Rupiah with principles in Islamic Economic Law based on literature reviews from academic sources, scientific journals, and official documents from the Bank of Indonesia. The results of the study indicate that the Digital Rupiah is consistent with the objectives of Sharia law, particularly in terms of hifzh al-mal (preserving wealth) through value stability and hifzh al-aql (preserving intellect) through transaction transparency and technology-based financial inclusion. Additionally, the Digital Rupiah enhances hifzh an-nafs (preserving life) through a safer financial system. The Digital Rupiah can be accepted under Islamic Economic Law, provided its implementation remains within the framework of justice, public interest, and is free from riba gharar and maisir. However, there are still several challenges faced by the Digital Rupiah, such as the need for further regulation regarding distribution, ownership, user protection, transaction mechanisms, and conversion, the need for digital security updates, and educating the public to ensure optimal distribution and usage.
Hak Cipta (c) 2025 Muhammad Fakhriel Zayida https://creativecommons.org/licenses/by-sa/4.0
Reform of Islamic Inheritance Law and its Role in the Formation of National Inheritance Law
This study examines the reform of Islamic inheritance law and its role in the formation of a national inheritance law that is more just, inclusive and adaptive to social change. Using the literature research method, this study examines the principles of Islamic inheritance law and its contribution to the national legal system. The results show that the reform of Islamic inheritance law is an important part of the development of national inheritance law, with a major role in improving social justice, legal certainty, and accommodation to the diversity of society. This reform is realized through several strategies, namely: (1) increasing gender equality in the distribution of inheritance, (2) harmonizing Islamic inheritance law with civil law, (3) adjusting the principles of inheritance distribution to be more relevant to the social context, and (4) applying the concept of mandatory will to protect the rights of certain heirs. This research confirms that Islamic inheritance law reform not only plays a role in strengthening the national legal system, but also becomes a strategic element in creating a more cohesive, responsive, and just inheritance law.
Hak Cipta (c) 2025 Hikmatullah Djamud https://creativecommons.org/licenses/by-sa/4.0
Buying and Selling Boycott Products and Maslahah Mursalah An Analysis of MUI Fatwa No. 83 of 2023
The issuance of Fatwa No. 83 of 2023 by the Indonesian Ulema Council (MUI), which calls on Muslims to avoid products affiliated with Israel, has triggered a wide social, economic and religious discourse in Indonesia. The fatwa is not merely a moral call, but rather a normative directive in Islamic law rooted in the principle of maslahah mursalah - a consideration of the public good that is not explicitly mentioned in sacred texts, but is in line with the objectives of sharia. This study analyzes the fatwa through the perspective of contemporary Islamic fiqh and assesses its broader socio-economic implications. The research uses a descriptive qualitative method with a normative-theological approach, relying on literature study as the main technique of data collection, and supported by content analysis and critical review. The results show that this fatwa is based on strong theological foundations and strengthens the collective solidarity of Muslims towards the Palestinian cause. It introduces a model of non-violent resistance through economic jihad, encouraging Muslim consumers to practice ethical consumption. However, its implementation faces challenges, including limited access to information regarding product affiliations, consumer dependence on global brands, and economic risks for small businesses. This fatwa reflects a dynamic form of contemporary ijtihad, demonstrating the active engagement of scholars in responding to global injustices. Although not legally binding, these fatwas have strong normative authority in shaping Muslim consciousness towards justice, humanity and public good. This study emphasizes the importance of policy synchronization and public education to increase the practical impact of this fatwa in Indonesia's pluralistic society.
Hak Cipta (c) 2025 Alamsyah Alamsyah https://creativecommons.org/licenses/by-sa/4.0
The Effect of Boycotts on Stock Volatility: An Event Study
This research investigates the impact of the MUI (Majelis Ulama Indonesia) fatwa number 83 of 2023, which calls for a boycott of products affiliated with Israel, on the stock performance of targeted companies. The primary objective is to analyze market reactions to the fatwa announcement, employing an event study approach to measure abnormal stock returns before and after the announcement. Data was collected using purposive sampling from companies identified as boycott targets, including PT. Fast Food Indonesia Tbk, PT. Map Boga Adiperkasa Tbk, PT. Sarimelati Kencana Tbk, and PT. Unilever Indonesia Tbk. The findings reveal a significant decline in abnormal returns for the targeted companies following the fatwa announcement, indicating a negative investor reaction that led to increased selling activity. This study highlights the strategic implications for companies facing boycotts, emphasizing the need for risk mitigation strategies in response to consumer sentiment. Additionally, it suggests further research incorporating qualitative methods to delve deeper into investor behavior regarding such fatwas.
Hak Cipta (c) 2025 Nur Hishaly GH, Muh Ginanjar, Muhammad Nurhadi N, Wafiq Asizah
Kepatuhan Syariah, Manajemen Laba dan Kepemilikan Kas: Bukti Empiris pada Perusahaan Manufaktur di Indonesia
Penelitian ini menyelidiki apakah terdapat hubungan antara kepemilikan kas dan manajemen laba pada perusahaan yang patuh pada syariat atau Shariah Compliance Firms (SCF) dan perusahaan yang tidak patuh pada syariat atau Non-Shariah Compliance Firms (NSCF). Sampel kami terdiri dari Perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia pada tahun 2012 hingga 2019. Hasil kami menunjukkan bahwa terdapat hubungan yang lebih kuat antara praktik manajemen laba dan kepemilikan kas di SCF dibandingkan di NSCF. Hasil ini menunjukkan bahwa SCF lebih mungkin untuk terlibat dalam manajemen laba yang meningkatkan kepemilikan kas dibandingkan NSCF. Secara keseluruhan, penelitian kami memberikan bukti empiris yang mendukung free cash flow theory. Pembahasan mengenai SCF masih kurang dipelajari dibandingkan dengan penelitian yang banyak dilakukan pada sektor perbankan syariah. Meskipun penelitian sebelumnya telah menyelidiki perbandingan SCF dan NSCF, hubungan antara keduanya sangatlah kompleks. Permasalahan keagenan dalam manajemen SCF bersifat unik dan perlu diselidiki.
Hak Cipta (c) 2024 Fitra Izzadieny, Nor Rahma Rizka, Nor Rahma Rizka, Kristianto Tricahya Prabowo, Kristianto Tricahya Prabowo
Implementasi Strategi Bauran Pemasaran Menurut Ekonomi Islam pada Bisnis Batik Lokal Khas Lebak
The marketing mix strategy according to Islamic economics must pay attention to the criteria and provisions of good and halal elements that have been determined in Islam, the goal is that the business carried out gets the pleasure of Allah. The current condition, the marketing mix strategy according to Islamic economics has been widely implemented in various businesses or businesses, one of which is in the local batik business typical of Lebak.The purpose of the research is to examine and analyze the implementation of the marketing mix strategy according to Islamic economics in the local batik business typical of Lebak. This research uses a qualitative method with a phenomenological research type, while the data collection technique uses observation and interviews. The results of this study found that the marketing mix strategy according to Islamic economics in the local batik business typical of Lebak has been implemented through aspects of product, price, place and promotion, although not yet optimal. Batik products are made from halal and good materials, have economic value and have many benefits for the community. The sales price of batik is set to regulate distribution and realize a balance between production and consumption levels, and is based on the prevailing market mechanism. The place where batik is sold is good, clean and safe and comfortable, does not interfere with public health or does not cause waste pollution. Batik marketing promotion has been carried out with good attitudes and behavior, cooperative relationships, good service and offering product choices according to consumer desires. The conclusion of this research is that the marketing mix strategy according to Islamic economics has been implemented in the local batik business typical of Lebak. The results of this study are expected to provide new understanding or solutions to the problems faced by local batik entrepreneurs in applying the principles of Islamic economics.
Hak Cipta (c) 2025 samudi samudi, Soleh Soleh, Budiman Budiman
Penerapan Metode Ta’zir dalam Sistem Perjanjian Utang Piutang Pata’gal Lita pada Suku Mandar Sulawesi Barat
Ta’zir, yang berasal dari kata "ta’dib" (memberi pelajaran), secara konseptual mencakup larangan, pencegahan, teguran, hukuman, dan tindakan disiplin. Dalam hukum Islam, denda adalah bentuk hukuman yang melibatkan pembayaran uang. Penelitian ini belum ada yang membahas penggunaan ta’zir dalam konteks utang-piutang, meskipun banyak orang meminjam uang untuk memenuhi kebutuhan hidup mereka. Di Sulawesi Barat, khususnya di suku Mandar, praktik gadai tanah (pata’gal lita) sering dilakukan tanpa melibatkan lembaga resmi. Penelitian ini, berjudul *Penerapan Metode Ta'zir dalam Sistem Perjanjian Utang Piutang Pata'gal Lita pada Suku Mandar*, menggunakan metode kualitatif dengan pendekatan etnografi, dan mengumpulkan data melalui wawancara dan dokumentasi. Hasil penelitian menunjukkan dua bentuk perlakuan terhadap denda di masyarakat Mandar: pertama, tidak ada denda saat jatuh tempo dan utang hanya diperpanjang; kedua, denda dikenakan sebagai persentase bunga dari pokok pinjaman dan diakui sebagai pendapatan oleh pihak peminjam. Metode kedua bertentangan dengan prinsip akuntansi syariah menurut Fatwa MUI No. 17/DSN-MUI/IX/2000.
Fintech P2P Lending: The Phenomenon of the Digital Financial Industry, Problems, and an Analysis from the Perspective of Islamic Economic Law
The P2P lending industry in Indonesia has rapidly developed as an alternative financing option for the public, particularly for micro, small, and medium enterprises (MSMEs). This study aims to analyze the phenomenon of fintech P2P lending, including the opportunities it offers and the challenges the industry faces, with an emphasis on the perspective of sharia economic law. However, this growth encounters challenges, including the presence of illegal P2P lending platforms, a lack of public understanding of sharia-compliant financial products, and regulatory hurdles. This research uses a literature review method to collect relevant data and information from various sources, including reports from the Financial Services Authority (OJK) and previous studies. The findings indicate that while fintech P2P lending holds great potential to enhance financial inclusion and support economic growth, strict regulations and public education are crucial to ensuring compliance with sharia principles. Therefore, this study recommends increased cooperation between regulators, industry players, and the public to create a healthy and sustainable fintech ecosystem.
Hak Cipta (c) 2024 Aulia Azka, Maria Arista Ulfa
Al-‘Urf dan Al-‘Adah: Relevansi dan Tantangannya dalam Pembentukan Hukum Ekonomi Islam
This research discusses the relevance and challenges of al-‘Urf and al-‘Adah in the context of rapid fintech development and globalization. Al-‘Urf, the commonly accepted customs within society, and al-‘Adah, local traditional practices, serve as secondary sources of law in Islam that provide flexibility in adapting Sharia law to social and economic changes. The advancement of technology and globalization has created new dynamics in economic practices that do not always align with classical Islamic law. Challenges such as cashless transactions, peer-to-peer lending, and digital investments often require new assessments through the principles of al-‘Urf and al-‘Adah to remain by Sharia. This research uses a qualitative approach through interviews and literature studies to identify the relevance, challenges, and solutions for applying al-‘Urf and al-‘Adah in the digital context. The research findings indicate cross-sector collaboration between scholars, academics, and business practitioners is necessary to establish adaptive Sharia standards. By recognizing new practices that do not contradict Islamic principles, al-‘Urf and al-‘Adah have the potential to strengthen justice and ethics in fintech transactions, as well as support the sustainability of the sharia economy in the global era.
Kontribusi Jual Beli Online dalam Mendukung Pemulihan Ekonomi: Perspektif Ekonomi Syariah di Masa Pasca Pandemi
Pasar Majene adalah pusat perputaran ekonomi, khususnya dalam sektor jual beli, karena mayoritas masyarakat Majene bekerja di bidang perdagangan. Pandemi COVID-19 mengakibatkan diberlakukannya Pembatasan Sosial Berskala Besar (PSBB), dan dampaknya masih dirasakan hingga pasca pandemi, menyebabkan kebingungan di kalangan pedagang di Pasar Sentral Majene mengenai cara memutar roda perekonomian. Penelitian ini bertujuan untuk mengetahui bagaimana jual beli online dapat menjadi peluang untuk meningkatkan perekonomian dan untuk mengidentifikasi kelemahan serta keunggulan jual beli online bagi masyarakat Majene. Penelitian ini menggunakan metode field research dengan pendekatan kualitatif deskriptif, menggunakan sumber data primer dan sekunder. Metode pengumpulan data meliputi observasi, wawancara, dan pengamatan melalui YouTube. Hasil penelitian menunjukkan bahwa untuk mengatasi permasalahan ekonomi, para pedagang di Pasar Sentral Majene menambah metode penjualan mereka dengan sistem jual beli online menggunakan aplikasi WhatsApp dan Facebook. Mereka mengunggah gambar-gambar dagangan mereka di aplikasi tersebut. Kelemahan dari jual beli online adalah penjual harus selalu siap dengan kuota internet, rajin membuka aplikasi, menghadapi keraguan konsumen terhadap barang dagangan, dan seringkali diminta untuk menyediakan ongkos kirim gratis. Namun, jual beli online juga memiliki keunggulan seperti dapat berjualan dari rumah, tetap dapat berkumpul dengan keluarga, pekerjaan rumah tetap terkontrol dan selesai dengan baik, menghemat biaya transportasi ke pasar, serta menghemat biaya kebersihan di pasar.