Adzkiya : Jurnal Hukum dan Ekonomi Syariah
ADZKIYA: Hukum dan Ekonomi Syariah (E-ISSN: 2528-0872 P-ISSN: 2355-4215) is published by the Faculty of Islamic Economics and Business, IAIN Metro Lampung. ADZKIYA journal is published twice a year, in March and September. The editors receive scientific articles in the form of conceptual script or unpublished research results or other scientific publications related to Economic and law themes which cover Islamic Economics, Finance, Marketing, Economics, Islamic Economics, also Behavioral Economics, and Management Sharia law, Management, Management of sharia, Sharia Bussines Management, Human Resource Management, Economics Creatif, Islamic Economic Development The entire process in it is managed professionally and accountably. Adzkiya is indexed by a reputable indexing agency. Manuscript contributions can submite https://e-journal.metrouniv.ac.id/adzkiya/index or sent via email: redaksiadzkiya@gmail.com
Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto
Determinan Kemiskinan di Provinsi Lampung dalam Perspektif Ekonomi Syariah: Peran Pertumbuhan Ekonomi, Upah Minimum dan Indeks Pembangunan Manusia
This study aims to analyze the influence of economic growth, minimum wage and the Human Development Index on the number of poor people in Lampung Province. Poverty is a multidimensional issue, not only related to low income but also encompassing aspects of education, health and access to economic resources. High poverty levels can hinder development, making it crucial to understand its determinants more deeply. This research uses a quantitative approach with an associative design and panel data regression analysis. The data used is secondary data from the Central Statistics Agency (BPS) of Lampung Province for the period 2018-2024, covering 15 regencies/cities. Panel data regression combines cross-sectional and time series data, providing more accurate estimates. The technique involves several stages, including selecting the best model among the Common Effect Model, Fixed Effect Model and Random Effect Model through Chow test, Hausman test and Lagrange Multiplier test. The purpose of using panel regression is to determine the influence of independent variables both simultaneously and partially on the number of poor people, as well as to capture the dynamics of poverty changes based on regional and temporal differences. The research results show that, partially, the minimum wage has a significant influence on the number of poor people in Lampung Province. Conversely, economic growth and the Human Development Index do not statistically significant. However, all three variables simultaneously have a significant influence on poverty. These findings imply that increasing the minimum wage directly contributes to reducing poverty, while the influence of economic growth and Human Development Index is indirect or insignificant during the study period. From an Islamic economic perspective, poverty is not merely an economic phenomenon but a matter of social justice (ʿadl) and collective responsibility. The findings of this study can be interpreted within the framework of maqāṣid al-syarīʿah, particularly the protection of life (ḥifẓ al-nafs), intellect (ḥifẓ al-ʿaql), and wealth (ḥifẓ al-māl), highlighting the importance of fair wage policies and human development as instruments of poverty alleviation in Islamic economic policy.
Copyright (c) 2025 Retna Ningsih, Hanna Hilyati Aulia, Dwi Retno Puspita Sari http://creativecommons.org/licenses/by-sa/4.0
Price, Brand Image, and Halal Certification as Determinants of Muslim Consumers’ Purchase Decisions for Sate Ayam H. Tukri Sobikun Ponorogo
The Indonesian people widely consume satay as one of their culinary delights. Ponorogo is one of the cities in Indonesia where there are satay restaurants. One of the most dominated places by visitors is Sate Ayam H. Tukri Sobikun Ponorogo. This study aims to measure the effect of price, brand image, and halal certification on Muslim purchasing decisions for Sate Ayam H. Tukri Sobikun Ponorogo and how significant the effect is. This research was conducted by distributing questionnaires to 155 respondents of Sate Ayam H. Tukri Sobikun Ponorogo consumers in Ponorogo with the sample selection method being non-probability sampling of the Purposive Sampling type, where the sample was selected based on people who were easy to meet and willing to cooperate. The analysis tool was used to measure the effect of price, brand image, and halal certification on Muslim Purchasing Decisions is multiple linear regression analysis and the data is processed using the SPSS program. The results showed that Price has a significant effect on Muslim purchasing decisions at sate ayam H. Tukri Sobikun Ponorogo, brand Image has a significant effect on Muslim purchasing decisions at sate ayam H. Tukri Sobikun Ponorogo, halal certification has no significant effect on Muslim purchasing decisions sate ayam H. Tukri Sobikun Ponorogo.
Copyright (c) 2025 Maula Falih Rizqullah, Iqbal Imari http://creativecommons.org/licenses/by-sa/4.0
Business Model Canvas Toko Thrifting Outdoor Impor Perspektif Ekonomi Syariah
Data from Radar Bengkulu shows that imported outdoor thrifting in Bengkulu City reflects the trend of sustainable consumption which is increasingly in demand, especially among students and the general public. However, this practice raises concerns about its alignment with Islamic economic principles. This study aims to analyze the business model of imported outdoor thrifting stores in Bengkulu using the Business Model Canvas (BMC) approach and evaluate its compliance with Islamic economics based on Maqashid Shariah, namely justice (ʿadl), public benefit (maslahah), and transparency (ṣidq). A descriptive qualitative method with a case study approach was employed, involving five purposively selected stores. The findings show that these stores share similar business patterns across the nine BMC elements, especially in offering affordable branded products and using social media as the main distribution channel. However, not all business practices fully align with the principles of Maqashid Shariah, particularly regarding fair competition and information transparency. This research provides an initial overview of how the thrifting business can be developed ethically and sustainably by integrating Islamic values. It contributes to the discourse on Islamic economic practices in retail businesses and offers insights for entrepreneurs, regulators, and future researchers.
Copyright (c) 2025 Raden Izzah, Eka Sri Eka Wahyuni, Andi Cahyono http://creativecommons.org/licenses/by-sa/4.0
Dari Direct Selling ke Digital Branding: Strategi Pemasaran UMKM “ Bakpia Oma Dian” di Era Digital
Marketing plays a crucial role in ensuring business sustainability amid increasingly intense competition. This study aims to analyze the marketing strategy transformation from direct selling to digital branding at the MSME Bakpia Oma Dian located in Tanggulangin Village, Punggur District. The research employs a Participatory Action Research (PAR) approach, which integrates the research process with social transformation through three main strategies: collective commitment with the community, the involvement of local leaders, and the establishment of community-based institutions. The findings reveal that the digital branding strategies implemented include improving product quality, innovating flavors and packaging, setting affordable prices, choosing strategic business locations, and promoting products through social media platforms such as WhatsApp, Facebook, and Instagram. This transformation has successfully enhanced competitiveness and strengthened the brand image of Bakpia Oma Dian in the digital era. Keywords: Direct Selling, Digital Branding, Marketing Strategy, MSME, Digital Era.
Copyright (c) 2025 Liana Dewi, Ulul Ilmi, M Fajar Baharudin Yusuf, Mutiara Kurniawati, Murni Asih http://creativecommons.org/licenses/by-sa/4.0
A Hybrid Contract pada Syariah Card dalam Perspektif Ekonomi Islam
The development of Islamic finance by following today's technology must be considered carefully. need for special attention. The use of technology in Islamic finance is a very significant challenge in adjusting Islamic economic law with implementation in the field. One way to face the current challenges is none other than by following the market share, namely by creating a balance model in transactions. Hybrid Contract (Multi Akad) is a new breakthrough in the application of fiqh muamalah in the contemporary era in Islamic finance. In today's modern era, people tend to prefer using non-cash transactions, one of which is transactions through Sharia cards. This article examines the application of Hybrid contracts to the use of Sharia cards using the literature study research method. The data collection technique is to examine theories or opinions and ideas contained in printed media, especially books and articles or journals that support and are relevant to the issues discussed in the study. The purpose of this study is to analyze the legal theory in the perspective of muamalah fiqh in Islamic economics related to the use of Sharia cards using descriptive library research. By drawing the conclusion that every muamalah activity is permissible as long as there is no law prohibiting it as well as hybrid contract contracts or multi-contracts on Sharia products. Sharia Card is allowed by using kafalah, ijarah, and qardh contracts in it and there is a DSN MUI Fatwa No. 54/DSN-MUI/X/2006 regarding sharia cards: 54/DSN-MUI/X/2006 regarding sharia cards (sharia credit cards) that regulate their use.
Copyright (c) 2025 Chinta Khusnia, Mukaromatul Hisnidah, Umrotul Khasanah, Khusnudin Khusnudin http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Islamic Corporate Social Responsibility (ICSR) dan Good Corporate Governance terhadap Financial Performance
This study aims to determine how much influence Islamic Corporate Social Responsibility (ICSR) which is proxied by Islamic Social Reporting (ISR), Good Corporate Governance (GCG) proxied by the Board of Independent Commissioners, Managerial Ownership and Institutional Ownership on Financial Performance. The research method used is quantitative descriptive with multiple linear regression analysis. The population of this study was 30 companies which were then taken using purposive sampling and the number of samples used was 54. The results showed that Islamic corporate social responsibility through Islamic social reporting had a significant negative effect on financial performance. The variable of good corporate governance through the Board of Independent Commissioners has a positive and insignificant effect on financial performance, for managerial ownership has a negative effect, not significant on financial performance, while institutional ownership has a significant positive effect on financial performance. Based on the results of statistical testing of Islamic Corporate Social Responsibility, the Board of Commissioners is independent, managerial ownership, and institutional ownership have a positive and significant effect on financial performance.
Copyright (c) 2025 Agus Kurniawan, Komalasari, Supaijo, Ulul Azmi Mustofa http://creativecommons.org/licenses/by-sa/4.0
The Influence of Productive Zakat on Poverty Alleviation in Indonesia
This study investigates the empirical relationship between productive zakat and poverty alleviation in Indonesia using Autoregressive Distributed Lag (ARDL) approach over the period 1995-2023. The research employs comprehensive time series data from the National Zakat Board (BAZNAS) and Central Statistics Agency (BPS) to examine both short-run and long-run dynamics of zakat's poverty reduction effectiveness. Augmented Dickey-Fuller tests confirm stationarity of all variables at I(0) level, while Bounds Test reveals strong cointegration relationship with F-statistic of 6.965159, significantly exceeding critical values at all significance levels. The findings demonstrate that productive zakat exhibits significant poverty reduction effects with long-run coefficient of -0.454382 (p=0.0559) and stronger short-run impact through first lag coefficient of -0.607590 (p=0.0180). Error Correction Model validates the adjustment mechanism toward long-run equilibrium, indicating zakat's dual function as both sustainable redistributive instrument and short-term economic stabilizer. The model achieves exceptional explanatory power with R-squared of 98.97%, while CUSUM test confirms parameter stability across nearly three decades despite various economic shocks including the 1997-1998 Asian financial crisis. Results provide robust empirical evidence for integrating zakat into Indonesia's national poverty alleviation strategy, demonstrating its effectiveness as both counter-cyclical policy tool and structural poverty reduction mechanism. The study contributes significantly to Islamic fiscal policy literature by quantifying zakat's measurable economic impact through rigorous econometric methodology.
productive zakat, poverty alleviation, ARDL cointegration
Copyright (c) 2025 Zarel Saessatya, Hastarini Dwi Atmanti http://creativecommons.org/licenses/by-sa/4.0
Living Fatwa: Studi Fatwa DSN-MUI Tentang Jasa Keperantaraan di Indonesia
This article aims to examine the transformation of fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) regarding brokerage services in the perspective of living fatwa. The main issue raised is the weak binding power of religious fatwas in the realm of positive law, which often causes fatwas to be ignored in the public policy-making process. However, DSN-MUI fatwas related to brokerage services have proven to make a significant contribution in inspiring the formation of legal norms contained in legislation in the banking sector and financial transactions in Indonesia. Therefore, the focus of this article is directed at the study of fatwas on brokerage services as a representation of normative-religious norms in banking practices and financial transactions. Thus, it complements other studies on living fatwas. This article examines how fatwas on brokerage services have been transformed into a living norm in the Indonesian regulatory context, and identifies the main characteristics underlying this transformation. This research is a literature review with a living fatwa approach. The results show that the transformation of Islamic norms in the form of fatwas on brokerage services has a strategic role in influencing the birth of regulations that integrate sharia principles into the national legal system, especially in the field of transactions and finance. The laws and regulations governing brokerage services in Indonesia can be understood as a form of “institutionalization” of the norms previously formulated through the DSN-MUI fatwa. This article argues that these fatwas perform two main functions: first, as a reinforcement of state policy for the public good (ta'yidi); and second, as a normative source in the formulation and making of public policy (insya'i). Furthermore, DSN-MUI fatwas that have undergone transformation into the national legal system in a living perspective display characteristics that are implementative, visionary, scientific, and responsive to social dynamics (dynamic movement).
Living Fatwa, DSN MUI, Jasa Keperantaraan, Wasathah, Samsarah
Copyright (c) 2025 Andi Ardiyan Mustakim, Ahmad Noor Islahudin, Faridatul Fitriyah, M. Alwan Masduki http://creativecommons.org/licenses/by-sa/4.0
Perlindungan Debitur dalam Pembiayaan Melalui Jaminan Fidusia: Analisis Hukum Ekonomi Syariah
The use of fiduciary guarantees in Sharia-based consumer financing raises legal issues concerning debtor protection, particularly regarding justice, legal certainty, and execution mechanisms. Juridically, fiduciary guarantees function as instruments for creditor protection; therefore, debtor protection does not arise from the guarantee itself but from legal regulations and limitations on its execution. This study aims to analyze debtor legal protection in Sharia-based consumer financing utilizing fiduciary guarantees from the perspective of Indonesian positive law and Islamic economic law. This research employs a normative legal research method with statutory and conceptual approaches. The findings indicate that the regulation of fiduciary guarantees has not fully ensured debtor protection, especially in execution practices. From the perspective of Islamic economic law, such practices potentially contradict the principles of justice, the prohibition of oppression (ẓulm), and the objectives of maqāṣid al-sharī‘ah, particularly the protection of property (ḥifẓ al-māl). Therefore, the application of fiduciary guarantees in Sharia financing must be harmonized with the principles of rahn, the nature of Sharia contracts, as well as DSN-MUI fatwas and Sharia financial regulations issued by the Financial Services Authority.
Copyright (c) 2025 Alandra Pratama, Sunaryo, Ahmad Zazili, Rohaini, Kasmawati http://creativecommons.org/licenses/by-sa/4.0
Strategi Penegakan Hukum terhadap Pelanggaran Prinsip Syariah dalam Transaksi Perbankan dan Keuangan Islam di Indonesia: Analisis Multi-Level Regulasi dan Mekanisme Pengawasan
This study analyzes multi-level law enforcement strategies against Sharia principle violations in Indonesian Islamic banking and finance, examining regulatory frameworks from national legislation (UU No. 21/2008) to institutional oversight by OJK, DSN-MUI, and Sharia Supervisory Boards. The research focuses on three primary violation categories: riba (interest-based transactions), gharar (excessive uncertainty), and maysir (speculative transactions), evaluating enforcement mechanisms across four levels: national regulatory framework, Sharia court adjudication (BASYARNAS and Religious Courts), institutional supervision (OJK and Bank Indonesia), and internal compliance systems. Using triangulation methods combining qualitative descriptive approaches with quantitative secondary data and legal document analysis (POJK regulations, DSN-MUI fatwas, court decisions), data was collected from academic sources, indexed journals, official legal documents, and international case studies. Key findings reveal enforcement fragmentation across regulatory levels, with gaps between UU 21/2008 provisions, POJK implementation, and DSN-MUI fatwa compliance. Religious Court decisions show inconsistent Sharia principle application, while OJK supervision data indicates varying compliance rates across violation categories. Current mechanisms suffer from regulatory fragmentation and lack of standardized protocols. The study develops an integrated multi-level Sharia law enforcement framework, comparing best practices from Malaysia, UAE, and other countries, recommending: (1) harmonizing multi-level regulatory frameworks; (2) strengthening OJK-DSN-MUI-Sharia court coordination; (3) standardizing violation categorization and sanctions; and (4) leveraging technology for compliance monitoring to create a more effective Sharia legal system
Sharia Principle Violations (Riba, Gharar, Maysir)
Copyright (c) 2025 Nisa Hajati, Ahmad Lutfi Rijalul Fikri, Supriyadi http://creativecommons.org/licenses/by-sa/4.0
Optimalisasi Wakaf Uang Berbasis Digital dalam Meningkatkan Inklusivitas Filantropi Islam di Yayasan Edukasi Wakaf Indonesia
This study aims to determine the optimization of digital-based cash waqf at the Education Waqf Foundation of Indonesia. Currently, digital development is important for waqf institutions because it facilitates inclusive access to all levels of society. The research methodology is a descriptive qualitative approach. The types of research data include primary data and secondary data. Primary data collection techniques were obtained through informant interviews with institutional leaders, cash waqf managers, digital administrators, waqf nadzirs working with endowments, and waqifs. Secondary data is obtained through literature studies sourced from Indonesian Waqf Board, the Institute's website and information related to cash waqf obtained through electronic media. The data analysis technique uses field data analysis, namely data reduction, data presentation, and concluding. The results showed that the Education Waqf Foundation of Indonesia in managing cash waqf funds is more effective and on target when done through digital. Digital-based cash waqf activities include the process of raising funds, managing waqf financial management, and distributing waqf funds. Digital-based cash waqf activities become more efficient, transparent and accountable, creating trust at all levels of society. Through the Pasifamal.id platform, all information related to waqf is easily accessible. This increases public trust and participation in waqf. Digital-based monitoring and reporting helps ensure that waqf funds are optimally used for their intended purpose.
Copyright (c) 2025 Fajriansyah Abdillah Fajri, Fatkhur Rohman Albanjari, Nugraheni Fitroh Rezqi Syakarna http://creativecommons.org/licenses/by-sa/4.0
Disrupsi Digital Marketing syariah: Studi Kasus Inovatif Promosi Skincare di Era Digital
This research aims to explore the impact of digital marketing on consumer purchasing decisions in the skincare industry, especially in the context of marketing based on sharia principles. This study analyzes how digital promotional strategies, such as influencer marketing, electronic word of mouth (e-WOM), and the integration of Islamic values, influence consumer preferences and loyalty. The method used in this research is library research, with data collection through analysis of books, scientific articles and relevant digital sources, including industry reports and case studies of skincare companies. Data is analyzed descriptively to understand trends and changes in sharia digital marketing strategies. The research results show that digital marketing has changed marketing patterns from conventional systems to ones based on digital technology, which has an impact on increasing the affordability and effectiveness of promotions. In Indonesia, the use of social media as a means of marketing skincare products has increased significantly, with more than 70% of consumers influenced by influencer recommendations and e-WOM in their purchasing decisions. Apart from that, many skincare brands have adopted marketing strategies based on Islamic values, such as sincerity, honesty, meaningfulness and accountability. This strategy not only increases consumer trust, but also ensures that promotions are in line with Islamic ethical and moral principles. Thus, this research confirms that sharia digital marketing disruption not only creates efficiency in skincare marketing, but also builds emotional attachment with consumers through an approach that is in line with Islamic values
Copyright (c) 2017 Lisa Anggryani, Surya Karmila Sari, Hasminiar, Muhammad Fakhri Amir, Kamiruddin http://creativecommons.org/licenses/by-sa/4.0
Menjaga Standar Kehalalan Produk Usaha Mikro Kecil dan Menengah Pasca Mendapatkan Sertifikasi Halal di Kota Metro
This study examines the efforts of Micro, Small, and Medium Enterprises (MSMEs) in maintaining halal product standards after obtaining halal certification in Metro City. Halal certification is a business ethic that should be carried out by producers as a halal guarantee for consumers. The number of MSMEs in Metro City is currently 19,824 spreadacross sub-districts and villages. Although MSMEs that have obtained halal certificates benefit in terms of consumer trust and market access, they often experience difficulties in maintaining halal product quality standards. This study is a qualitative study with a field research method. Data were obtained from interviews and observations with several business actors spread across Metro City as well as several sources from journal articles and related books. Based on the research that has been conducted, it was concluded that most MSMEs in Metro City have halal certification. MSME actors strive to maintain halal product standards, both before and after obtaining halal certification. Maintaining here is not only by attaching a halal label, but also maintaining the quality of the basic substances or materials and maintaining the source of how to process them into finished goods and ready to be distributed.
Copyright (c) 2025 Ahmad Agus Fauzi, Lutfi Nuraini, Astri Yusniarti http://creativecommons.org/licenses/by-sa/4.0
Analisis Pemberian Ujrah bagi Pemilik Lahan untuk Kesejahteraan Buruh Harian Lepas
This research aims to find out how giving Ujrah to land owners improves the welfare of casual daily workers in Lubuk Tabun Village, Tanjung Sakti Pumi District. Lahat. This type of research uses qualitative descriptive research with data collection techniques in the form of observation, interviews and documentation. The primary data in this research are land owners and casual daily workers. The research results state that land owner literacy regarding the ujrah granting system is still very low due to: firstly, lack of understanding, land owners do not yet understand what ujrah is and how it works financially. Second, there is a lack of financial education, there is no adequate education regarding finances and debt management. Third, limited access to accurate and easy to understand information regarding ujrah by land owners, fourth, limited resources, land owners do not have the resources to obtain consultation or training. The welfare level of casual daily workers in Lubuk Tabun Village is relatively low, which is shown by the fact that many of them are still in a cycle of debt that is difficult to break. This happens because the income earned from working as a casual daily laborer is not sufficient to meet daily living needs
Copyright (c) 2024 Lupita, Desi Isnaini, Andi Cahyono, Agus Alimuddin http://creativecommons.org/licenses/by-sa/4.0
Investigasi Faktor Risiko Fraud di Lembaga Koperasi Simpan Pinjam: Studi Kasus di Indonesia
Koperasi merupakan soko guru perekonomian nasional yang memiliki peran strategis dalam mendukung pertumbuhan ekonomi masyarakat Indonesia. Namun, dalam praktik pengelolaannya, koperasi simpan pinjam seringkali dihadapkan pada permasalahan kecurangan (fraud). Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor penyebab terjadinya fraud pada koperasi simpan pinjam. Metode yang digunakan dalam penelitian ini adalah studi literatur terhadap berbagai artikel ilmiah yang membahas faktor-faktor penyebab fraud pada koperasi. Hasil penelitian menunjukkan bahwa penyebab utama terjadinya fraud dijelaskan melalui perspektif fraud diamond, yang mencakup tekanan (pressure), peluang (opportunity), rasionalisasi (rationalization), dan kemampuan (capability). Selain itu, fraud juga dipengaruhi oleh lemahnya sistem pengendalian internal, yang mencakup lingkungan pengendalian, penilaian risiko, aktivitas pengendalian, dan pemantauan. Faktor lain yang turut berkontribusi terhadap terjadinya fraud antara lain adalah kewenangan yang tidak seimbang, tingkat moralitas individu, ketidaksesuaian kompensasi, rendahnya integritas, budaya organisasi yang permisif, asimetri informasi, lemahnya komitmen organisasi terhadap regulasi, serta tidak efektifnya sistem reward dan punishment. Moralitas keislaman juga ditemukan sebagai faktor penting dalam mencegah terjadinya fraud pada koperasi simpan pinjam.
Copyright (c) 2025 Atika Lusi Tania, Fajar Gustiawaty Dewi, Rindu Rika Gamayuni http://creativecommons.org/licenses/by-sa/4.0
Buying and Selling of Wholesale Rice from an Islamic Economic Perspective(a Phenomenological Studi in the Urban Village Kotakulon Bondowoso)
Sale and purchase that most often deviates from Islamic economics is the piecework system, one of which is the sale of agricultural crops. Deviations from Islamic economics in wholesale buying and selling transactions result in the risk of loss that must be borne by one of the parties involved, both the seller (farmer) and the buyer (contractor). The purpose of this research is to find out the factors that influence farmers in Kotakulon urban village Bondowoso to buy and sell rice in bulk, to find out the practice of buying and selling rice in bulk carried out in Kotakulon urban village Bondowoso and to find out whether buying and selling in bulk in Kotakulon urban village Bondowoso Village is in accordance or not with the perspective of Islamic economics (Maqashid sharia). This research uses a qualitative approach with phenomenological methods. Meanwhile, the data collection techniques used are observation, interviews, and documentation. The informants in this study consisted of farmers and contractors. The analysis method used is data reduction, data presentation and conclusion drawing or verification.The results of this study indicate that from the point of view of maqashid sharia theory on the practice of the wholesale system if green rice is traded as a whole, the practice of buying and selling rice by wholesale involving modern technology, fairness in pricing, flexibility in payment, and trust between the parties involved is a practice that can be in line with the five main elements of maqashid sharia as long as it complies with Islamic law.
Wholesale Rice Buying and Selling in Islam
Copyright (c) 2024 Dimas Jovanka Hastacya, Mohammad Saleh, Rachmania Nurul Fitri Amijaya, Hilda Lutfiani http://creativecommons.org/licenses/by-sa/4.0
Strategi Strategies to Increase Public Awareness of the Importance of Halal Food Certifcation for MSMES: A Case Studi of the Kebagusan Village Community
This research aims to find out effective strategies in increasing the awareness of the Kebagusan Village community about the importance of halal food certification for MSMEs. This research is a case study with a qualitative approach. The data sources used in this research come from interviews and various literature journal articles relevant to the research topic. The data analysis method used is thematic analysis. Halal food certification is the most important thing in the food industry, especially for Micro, Small and Medium Enterprises (MSMEs). The knowledge of the people of Kebagusan Village regarding halal certification is generally still limited, where halal certification is understood as a process of examining raw materials, production processes, and product quality control systems to ensure halalness according to established standards, but many only know the extent of getting a halal logo without understanding its broader benefits. The main factor hindering MSMEs in this village from pursuing halal certification is a lack of knowledge and socialization, with many businesses not fully understanding the procedures and benefits and seeing it as a formality. Minimal socialization, especially through social media which is less accessible to older MSME players, is also an obstacle. Therefore, strategies to increase awareness of halal certification including socialization, counseling and education are very important.
Copyright (c) 2024 Fadhli Muhtazam, Hendri Hermawan Adinugraha http://creativecommons.org/licenses/by-sa/4.0
Digitalisasi Produktivitas Hasil Bumi dan Sertifikasi Halal di Desa Labuan Kabupaten Tojo Una Una
This study explores the application of digitalization to enhance agricultural productivity and the implementation of halal certification in Labuan Village, Tojo Una-Una Regency. Despite the village’s significant agricultural potential, challenges such as limited digital technology usage and a lack of market access hinder the productivity and competitiveness of local products. Additionally, while there is strong awareness of halal certification, the complex process and associated costs prevent many producers from obtaining certification for their products.Using a qualitative approach with in-depth interviews, participatory observation, and document analysis, the study finds that digitalization can increase efficiency in production and distribution while expanding market reach. However, the community’s understanding of digital tools in the economic sector is still limited. Halal certification remains essential for market competitiveness, but barriers such as high costs and limited knowledge continue to impede its widespread adoption. The study concludes that to improve the productivity and market competitiveness of Labuan’s agricultural products, efforts should focus on providing training in digital technologies and supporting the halal certification process. Collaboration with the government, halal certifying bodies, and educational institutions is vital to overcoming these challenges. The integration of digitalization and halal certification is seen as a promising strategy to boost sustainable economic welfare in the village
Copyright (c) 2017 Muhammad Syakir Al Kautsar, Fathul Khoir, Nurul Mahmudah, Rochmatul Wahidah http://creativecommons.org/licenses/by-sa/4.0
Epistemic Values of Islamic Law in Green Financing Contracts
TThis research aims to describe the epistemic values of Islamic Law in green financing contracts. The research design used in this research is descriptive qualitative research with a philosophical approach. Regarding the data collection, this study uses the library method with a systematic literature review analysis. The findings show that green financing contracts are business financing contracts that have special conditions, specifically a dedication to going green, conserving the environment, and safeguarding wildlife. The epistemic values of Islamic Law in green financing contracts are transcendence, maslaha, al-islah and humanist values. This study is the first to assess epistemic values in green financing, as far as the author knows. Therefore, this research might provide significant recommendations on green finance for financial institutions and its epistemological objectives
Copyright (c) 2024 Anindya Aryu Inayati, Muhammad Fazlur Rahman, Hairus Saleh http://creativecommons.org/licenses/by-sa/4.0
Urgensi Pemahaman dan Kesadaran Produk Halal Pelaku Usaha di Kota Metro
Metro City has a number of Micro, Small and Medium Enterprises (MSMEs) consisting of Muslims and non-Muslims. Muslim consumers are required in their religion to use only halal products, both processed and processed. Therefore, when searching or buying products, Muslim consumers pay attention to halal logos certified by religious authorities in Indonesia. With the need for halal products, business actors who are sensitive to halal business are also needed so as to affect consumer buying interest. With this, it is felt necessary to dedicate myself to my business to educate the understanding and awareness of business actors in Metro City. The author uses descriptive qualitative research methods in community service with data collection techniques with questionnaires and interviews with Muslim, non-Muslim MSME business actors and the PSMTI (Paguyuban Sosial Marga Tionghoa Indonesia) community in Metro City. The result of this community service is that MSME actors and the PSMTI community are aware and understand something that is prioritized in determining behavior towards what they eat, drink and use. Halal awareness of products is not only limited to understanding the products contained in choosing raw materials, production processes, production cleanliness and knowledge of the products that will be produced by MSME actors are very important. MSME business actors are very aware and understand 45%, aware and understand 48% and 7% are not aware and understand. The level of awareness and understanding of halal certificates for Muslim MSME actors is very dominant, although there are some who do not understand halal certificates because of ignorance from MSME business actors about the importance of halal certificates. Non-Muslim business actors and the PSMTI Community are also aware and understand the existing halal products
Copyright (c) 2024 Siti Zulaikha, Enny Puji Lestari, Ani Nurul Imtihanah, Mujib Baidhowi
Examining the Wages of Loading and Unloading Laborers from a Sharia Economic Law Perspective
The wages of workers involved in the loading and unloading of goods at Panjang Port, Bandar Lampung City, are the subject of review within the framework of sharia economic law. This research aims to evaluate the wage system's compliance with Islamic economic principles, with a focus on justice, welfare and protection of workers. This research uses a qualitative approach by analysing literature related to Sharia economic principles and Islamic labour law. Data was also collected through interviews with workers, entrepreneurs and legal experts to understand wage implementation in the port context. The results of the analysis show that the wage system at Panjang Port does not fully comply with Sharia economic principles. Although there are efforts to ensure fairness and worker welfare, there is still a need to increase transparency, worker participation in wage setting, and protection of worker rights in accordance with Islamic teachings. In conclusion, reform is needed in the wage system to ensure compliance with sharia economic principles and the welfare of the people
Copyright (c) 2024 Pasca Aulia Fadhilatul Hukkam, Khoiruddin Khoiruddin, Hasanuddin Muhammad http://creativecommons.org/licenses/by-sa/4.0
Konstruksi Ekonomi Islam Berbasis Interdisipliner: Studi Islam dan Maqashid Syariah
Abstrak Diskursus ekonomi pembangunan berbasis interdisipliner merupakan terobosan yang relatif baru untuk mencapai beberapa dimensi antara lain: keseimbangan material dan spiritual, serta keseimbangan moralitas seluruh pemangku kepentingan. Pendekatan interdisipliner awal mulanya diprakarsai oleh Harun Nasution hingga sekarang semakin masyhur seiring laju era modern. Harus disadari corak kajian doktrinal tradisional tidal lagi memadai dalam kajian ekonomi Islam, sehingga perlu kolaborasi disiplin ilmu yang terpadu (interdisipliner) dalam meresponi dan menyahuti pembangunan ekonomi Islam. Peneliti akan mencoba menyumbangkan pemikiran tentang konstruksi ekonomi Islam berbasis interdisipliner yang dikaji dari sudut pandang maqashid al-syariah dan studi Islam. Untuk menjawab permasalahan tersebut, peneliti menggunakan penelitian kepustakaan dengan pendekatan deskriptif dan data yang diperoleh tentunya bersifat dharuriyat dengan cara pengumpulannya melalui analisis isi yang bersifat pembahasan mendalam. Hasil penelitian adalah pelaksanaan pembangunan ekonomi Islam harus didasarkan pada prinsip-prinsip seperti pandangan dunia, manusia sebagai pelaku pembangunan, Sifat Ruh, dunia dan akhirat sebagai skala waktu, ilmu sebagai pedoman, ibadah sebagai landasan pembangunan, sumber daya alam sebagai sarana, dan ridho Allah sebagai tujuan. akhir pembangunan.
Copyright (c) 2024 Ubaidillah Ubaidillah, Iffatin Nur, Ahmad Muhatdi Anshor http://creativecommons.org/licenses/by-sa/4.0
Tipologi Multiakad Dalam Fatwa Ekonomi Digital Dewan Syariah Nasional Majelis Ulama Indonesia
This study aims to analyze the urgency of the typology of a contract which is commonly used by the community for fulfilling daily digital-based needs. Some contend that merging contracts breaches Sharia principles, while others believe it is permitted with limitations. Aside from the debate in the current digital-based era, muamalah transaction activities have evolved and grown towards a modern direction that is carried out online; however, due to low literacy and interest in reading, the general public is unaware that this involves multiple contracts. The fatwa given by the DSN MUI institution does not cover the complete scope of so many contracts. These concerns will be analyzed employing a normative legal research methodology that adopts a conceptual approach. The DSN MUI Fatwa and Community practices represent the study's primary data, while the literature on contract typology is used for secondary data. The research discovered that people practice muamalah or contract employing multiple agreements without realizing it. Additionally, the DSN MUI Fatwa does not cover it all in one integrated fatwa formulation. The findings of the present research can also be used to cluster muamalah or contract practices with multi-agreement typologies, which will facilitate the general public's understanding of the participating behaviors.
Copyright (c) 2024 Kefi Miftachul, Ahmad Zaky Fuad, Maulida Khairunnisa, Atina Rahmah Mawadah, M. Rafirsa Agung Pratama http://creativecommons.org/licenses/by-sa/4.0
Sistem “Floating with Floor” pada Pembayaran Kupon Sukuk Tabungan Seri ST-004 Perspektif Maqashid Syariah dan Fiqih Kontemporer
This study focused on the doubts investors have about the coupon payment sistem of Sukuk ST-004, specifically the "floating with floor" sistem, which differs from the fixed nature of other sukuk coupon payments. Through this study, the floating with floor system will be peeled off from the corner of the maqashid dimension of shari'ah and contemporary jurisprudence. By using qualitative types of research through a literature approach, as well as data collection with literature studies. The primary source of the data was taken from the government memorandum on Sukuk ST-004, Fatwa DSN MUI, and Flyer ST-004. The secondary source is a classic and contemporary book of fiqh related to sukuk transactions. The data analysis used is deductive analysis. The study concluded that the payment sistem is allowed Islamic rule, because it is equivalent to ujroh which refers to the agreement of both parties. In addition, the ability also refers to the purpose of developing and cultivating property (maqshad al-istitsmâr), as well as the purpose of the at-tadawul of wealth (maqshad al-tadâwul)
Copyright (c) 2024 Siti Zumrotus Saadah, Puji Rahayu http://creativecommons.org/licenses/by-sa/4.0
Exploring Hadith: The Importance of Developing a Personal Brand in the Business World.
What is the key to the success of the Prophet Muhammad's business? The Prophet Muhammad is known by the title al-amin among the Arab community, this is because of the honest and trustworthy attitude that he applied in the business activities he carried out. Without realizing it, the application of honesty and trustworthiness by the Prophet Muhammad SAW was his branding in business. This is what the researchers focus on in this article, revealing how the Prophet Muhammad built personal branding in business activities as stated in the hadith.
Dinar Dirham: Restoration of Shariah Currency Values for Indonesia Economic Prosperity
This study aims to investigate the restoration of Shariah currency values through the implementation of Dinar Dirham for fostering economic prosperity in Indonesia. Employing a mixed-method approach, the research combines qualitative and quantitative methodologies. Qualitative data is collected through literature review and expert interviews to understand the historical significance and contemporary relevance of Dinar Dirham in Islamic economics. Quantitative data is gathered through surveys and financial analysis to assess the potential impact of reintroducing Dinar Dirham on Indonesia's economic landscape. The collected data is analyzed using thematic analysis for qualitative data and statistical techniques for quantitative data. The research results indicate significant interest among stakeholders in reintroducing Dinar Dirham as a means to stabilize the economy and uphold Islamic principles in financial transactions. Qualitative data analysis reveals the strong historical and contemporary relevance of Dinar Dirham in Islamic economics, while quantitative data suggests the potential for increased economic stability through the reintroduction of this currency. The implications of this study suggest that reintroducing Dinar Dirham can enhance economic stability, promote ethical financial practices, and strengthen Indonesia's position in the global Islamic finance industry.
Copyright (c) 2024 Sahirul Alim, Suad Fikriawan, Ahmad Tarmizi Lubis, Ulyan Nasri
Rights and Comfort Masyarakat Non Muslim atas Perwujudan Pariwisata Halal: Kritik dan Gagasan
Halal tourism in which there are halal products and even the halal industry brings understanding to non-Muslim communities in tourist areas where the majority are non-Muslims as if there was eviction or even coercion on non-Muslim communities and even eliminating rights, losses and even comfort. non-Muslim communities in areas where halal tourism will be built. Therefore, it is necessary to explain about the rights of non-Muslim communities and also their comfort regarding the existence of halal tourism. In this study the author uses literature research to assist the author in completing this paper well. Therefore, regarding the understanding of non-Muslim communities about halal tourism and lest their rights and comfort be disturbed, basically they still have the right to do activities, the right and comfort to get protection, the right to the ability to access the same as well as the right to gain insight into other things. Islam and halal tourism
Copyright (c) 2024 Deniansyah Damanik, Eka Syafrina Monica
Analisis Hukum Ekonomi Syari’ah terhadap Mekanisme Fundraising Dana Zakat Melalui Bank Konvensional pada BAZNAS Kota Bandar Lampung
MUI Fatwa No. 1 of 2004 concerning Interest states that mu'amalah is not permitted using Conventional Banks because there is an Interest system in Conventional Financial Institutions and the practice of interest is haram. Fundraising zakat by BAZNAS Bandar Lampung City in practice is known to use Conventional Banks which are used in collecting zakat. This is contradictory and gives rise to speculation among the public because there is a discrepancy between the fundraising mechanism at BAZNAS Bandar Lampung City and the MUI fatwa No.1 of 2004. This research is field research with a descriptive qualitative approach. Data sources come from primary data and secondary data. The results obtained in this research are: First, the fundraising mechanism for zakat funds is carried out directly, namely muzaki go directly to the BAZNAS / UPZ office and indirectly, namely through transfers to bank accounts, including using conventional banks. This was done because of the existence of an MoU with the Bandar Lampung City Government in optimizing the collection of ASN zakat, the regulations of which are carried out by Regional Banks, and Commercial Banks are used to facilitate and target Muzakki who are not familiar with Sharia Banks, Commercial Banks are used only as a channel for zakat/UPZ (zakat collection unit), deposited and managed by Sharia Bank account. Second, the use of conventional banks in collecting zakat carried out by BAZNAS Bandar Lampung City from the perspective of sharia economic law based on findings and facts that occur in the field and based on maslahah murlah may be done because there are benefits and maslahah for many people (not problems for the interests of one group or certain individuals) and reject harm in order to maintain the goals of shara' (maqashid shari'ah)
Copyright (c) 2024 Rita Zaharah, Liky Faizal, Agus Hermanto, Mohammad Yasir Fauzi, Rudi Santoso
Factors Influencing Consumer Purchase Interest in Shopee and Tokopedia
The phenomena of internet usage, which is anticipated to grow over time, presents a new economic potential for e-commerce. One of the businesses owned by Pondok Modern Gontor, situated in Ponorogo City, East Java, is La Tansa Gontor Book & Stationery Store which currently also using e-commerce. This study aims to investigate the factors that influence consumer purchase interest in e-commerce used by La Tansa. The Theory of Planned Behavior, popularized by Icek Ajzen, is the theory applied in this study. This hypothesis is predicated on three different variables: behavioral attitude, subjective norms, and perceived behavioral control. In this study, a descriptive survey method is combined with a quantitative approach. With a sample size of 358 participants, the population in this study consisted of the 3,416 followers in marketplace platform. Several linear regression tests were employed in this investigation. A total score of 31,038 indicated that the aspects of product price and quality were thought to be very influential. The product pricing component, one of the two variables included in the study, had the most significant impact on consumer purchasing interest. With a 66.3% percentage. Product quality, on the other hand, has a 11.48% influence on consumer purchasing interest. Overall, the factors of product price and product quality jointly affect consumer purchasing interest with a significance of 0.05 and a F computed value of 293,715 F table 3.021, indicating that both factors have an impact.
Copyright (c) 2024 Iqbal Imari, M. Kurnia Rahman Abadi, Muhammad Ridho Akbar
Pendampingan Ekonomi Inklusif Berbasis Digital Marketing Melalui Plasma Syariah
Konteks ekonomi inklusif di Kelompok Wanita Tani mulai tergerus, dimana anggota tidak mendapatkan pekerjaan yang layak, dan kekurangan modal (memberi kesempatan pekerjaan tanpa membedakan wanita maupun lelaki, yang merupakan pilar ekonomi inklusif), serta keterbatasan pemasaran. Jenis penelitian menggunakan lapangan sedangkan sifat penelitiannya deskriptif kualitatif, dengan Strategi PAR. Penerapan pendampingan ekonomi inklusif kurang berjalan dikarenakan anggota yang belum mendapatkan akses ekonomi baik dari lembaga keuangan maupun pemerintah setempat, dan diperparah dengan anggota dikategorikan miskin dan janda. Dan, kurangnya kesadaran menggunakan sistem tanam modern, hal ini terlihat dari peneliti mencoba memberikan pendampingan selama dua hari memberikan pemahaman memanfaatkan digital marketing dalam meningkatkan penjualan serta branding diri tentang KWT yang pernah menjadi obyek wisata sayuran, hingga ke tingkat nasional akan tetapi semuanya membutuhkan modal dan hanya dua orang anggota KWT yang berminat untuk melakukan pemasaran menggunakan digital marketing. Mengenai upaya untuk meningkatkan penjualan melalui digital marketing masih kurang efektif, dilihat dari pertama, kurang kepedulian dari pemerintah, dan malasnya para anggota untuk memperkenalkan diri, dan hanya dua anggota yang menerapkan pemasaran secara digital marketing. Kedua, tidak maunya menambah modal, maupun belajar menggunakan media sosial untuk memasarkan produk, dan keterbatasan pengetahuan. Ketiga, mengalami kemunduran setelah tidak mendapatkan bantuan. Keempat, sebagian anggota terkadang tidak mendapatkan keuntungan
Copyright (c) 2024 Dliyaul Haq, Upia Rosmalinda