Mu'amalah: Jurnal Hukum Ekonomi Syariah presents scientific work related to thoughts or studies in Sharia economic law. Furthermore, it publishes articles and research reports to increase understanding of Sharia economic law. Mu'amalah: Jurnal Hukum Ekonomi Syariah contains various research topics on Sharia Economic Law: • Fiqh Mu'amalah • Legal agreements • Law of Obligations • Economic Transactions • Philanthropic Jurisprudence • Employment Law • Business Law Journal title Mu'amalah: Jurnal Hukum Ekonomi Syariah Abbreviation Mu'amalah Frequency Two issues per year (June and December) DOI prefix 10.32332 by Online ISSN 2986-4712 Editor-in-chief Imam Mustofa Publisher Institut Agama Islam Negeri Metro Citation Analysis Scopus / Google Scholar Acceptance Ratio 40% Mu'amalah: Jurnal Hukum Ekonomi Syariah (ISSN: 2986-4712) is an academic journal published by Fakultas Syariah, Institut Agama Islam Negeri Metro, Indonesia. It has been indexed in Google Scholar, Garuda, Moraref, ROAD ISSN, and Dimensions. Online Publication History: Mu'amalah: Jurnal Hukum Ekonomi Syariah was founded in 2022 with the spirit of deepening and renewing sharia economic law official with website into <http://e-journal.metrouniv.ac.id/index.php/muamalah>. All submissions must be made through the Mu'amalah: Jurnal Hukum Ekonomi Syariah OJS system. The author needs to contact the Editor via email at muamalah@metrouniv.ac.id to get a login username and password. The Editor makes no LoA. LoA is issued solely in the form of an Editortorepted paper notification. Mailing Address: Rumah Jurnal, Institut Agama Islam Negeri Metro Ki Hajar Dewantara St. 15A Iringmulyo, Metro City, Lampung, Indonesia Postcode: 34112
All articles in the Mu'amalah: Jurnal Hukum Ekonomi Syariah can be disseminated on condition that they still include the identity of the article and the source (Mu'amalah). The publisher is not responsible for the contents of the article. The content of the article is the sole responsibility of the author. Authors who publish this subject agree to the following terms: First, the Authors retain copyright and grant the journal rights from the first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal. Secondly, the authors can enter into a separate or an acknowledgement of its initial (e.g., post-institutional repository or publish it in a book) publication in this journal. Third, the authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before publishing work is cited.
Analysis of Legality and Sharia Compliance of the Kitabisa.com Crowdfunding Platform in Digital Islamic Philanthropy in Indonesia
This study aims to analyze the operational legality and the level of sharia compliance of Kitabisa.com in the development of digital technology has driven the transformation of Islamic philanthropic practices in Indonesia, one of which is through the utilization of online crowdfunding platforms such as Kitabisa.com. the practice of digital Islamic philanthropy in Indonesia. The research employs a normative legal research method, with a content analysis approach used to examine digital content related to Islamic philanthropic practices on the Kitabisa.com platform. The analysis focuses on messages, visuals, narratives, as well as the mechanisms for fund management and distribution presented in digital Islamic philanthropy campaigns. The results indicate that Kitabisa.com has legally operated in accordance with applicable legal norms, particularly those related to the operation of electronic systems and public fundraising activities. From a sharia perspective, the mechanisms for fundraising and fund distribution implemented by Kitabisa.com are generally in line with Islamic philanthropic values, such as trustworthiness, transparency, justice, and public benefit. Nevertheless, strengthening sharia supervision remains necessary to ensure that the management of religious funds is more optimal and fully compliant with sharia principles. Therefore, Kitabisa.com has the potential to become an effective and sustainable instrument of digital Islamic philanthropy in Indonesia.
Sharia Compliance; Crowdfunding; Digital Islamic Philanthropy
Copyright (c) 2026 Raha Bahari, Aliyyah Azzah Sabina, Aryo Salasa https://creativecommons.org/licenses/by-sa/4.0
THE PRACTICE OF ISLAMIC BUSINESS ETHICS IN SUSTAINING TRADITIONAL MSMES AMID DIGITAL TRANSFORMATION
In the digital era, most businesses leverage technology to increase their competitiveness. However, many traditional MSMEs in Pondok Ungu Permai, Bekasi City, still operate conventionally without the support of digital technology, yet they are still able to survive. This situation prompted this study to identify the role of Islamic business ethics in maintaining the sustainability of traditional MSMEs amidst the challenges of digitalization. This research is a socio-legal (empirical) legal research that examines law in social practices through collecting field data in the form of observations, interviews, and documentation of MSME actors in Pondok Ungu Permai, Bekasi. Data analysis was conducted inductively using a qualitative-descriptive approach. The results indicate that MSME sustainability is influenced by the application of Islamic business ethics, including the values ​​of monotheism, balance between profit and blessings, freedom of business, and responsibility. For example, business owners maintain honesty in pricing and weighing, are fair to customers, and prioritize trust in transactions. These findings confirm that MSME success is determined not only by the use of technology, but also by spiritual and moral values. Furthermore, the support of the Bekasi City Government strengthens MSME resilience through business development and facilitation, thus contributing to the local economy and community welfare.
Traditional MSMEs, Islamic Business Ethics, Digital Era
Copyright (c) 2025 Aliyyah Azzah Sabina, Raha Bahari https://creativecommons.org/licenses/by-sa/4.0
NAVIGATING THE INVESTMENT DILEMMA: BETWEEN SHARIA AND FRIENDSHIP TRENDS, CIREBON REGENCY EVIDENCE
Departing from the current social/friendship trend, where psychologically there is a fear of being left behind by other friends who are hype or better known as the term FOMO for long-term investment decisions. Which may not be from the desire and mature consideration of a mature person. Likewise, a person's income can be one of the interests of investing by setting aside between 5-15% in any form according to their basic income. It becomes interesting when discussed in fiqh. This paper describes the influence of income and social/friendship trends in investing in the study of fiqh muamalah. Using a mixed approach where primary data is analyzed quantitatively obtained from the population of Cirebon Regency, using a survey in the last 1 month. And secondary data was obtained from journal articles related to the material from the internet. Then the results were analyzed descriptively and concluded. It was found that income affects individual interest in investing in the capital market, in other ways the sphere of association / friendship is not very influential on the decision to invest in the capital market (H0 accepted). Whereas fiqh studies guide young investors to invest. The implication of this finding is for stakeholders to increase the contribution of the younger generation to invest through the capital market, not because of FOMO, but based on the consideration of financial data and facts.
Copyright (c) 2025 Aslam, Cory Vidiati, Dini Selasi, Ahmad Munajim https://creativecommons.org/licenses/by-sa/4.0
EXPLORING SHARIA ECONOMIC LAW DYNAMICS IN WAGE SYSTEMS FOR LOADING AND UNLOADING WORKERS AT PANJANG PORT
The wages of workers involved in the loading and unloading 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) 2025 Pasca Aulia Fadhilatul Hukkam, Khoiruddin, Hasanuddin Muhammad, Muti Aulia Zahrotunnur https://creativecommons.org/licenses/by-sa/4.0
ANALYSIS OF THE SHARIA ECONOMIC SYSTEM THROUGH THE RECONSTRUCTION OF THE NORMATIVE APPROACH BASIS AND HISTORICAL APPROACH OF SHARIA ACCOUNTING
The discourse on Sharia economics begins with the concept of business economics that does not rely on usury practices. To achieve the ideal goal of Sharia economics, various supporting tools are needed, such as information systems, measuring tools, and accountability tools. One of these tools is Sharia accounting, based on the Quran and Hadith. However, many Sharia accounting practices have not fully implemented this foundation, causing Islamic accounting to lose its purity due to using more conventional accounting theories. This research aims to reconstruct the normative and historical foundations of Sharia accounting so that Islamic accounting can return to the guidelines of the Quran and Hadith. The methodology used in this research is a literature study or library research, one of the qualitative research methods. The data and materials used in this research come from various journals, books, and scriptures. The research results show that Islamic or Sharia accounting has been normatively ordered in the Quran. Accountability, justice, and truth must be followed in financial transactions and in preparing accounting reports. Historically, the Islamic accounting system was first applied in the time of the Prophet, with the obligation to record non-cash transactions to ensure that Muslims pay attention to recording their transactions. Sharia accounting continues to develop until the modern era.
Copyright (c) 2025 Adriandi Kasim https://creativecommons.org/licenses/by-sa/4.0
LEGAL PROTECTION FOR CUSTOMERS IN MURABAHAH TRANSACTIONS WITHIN ISLAMIC BANKING
The rapid development of Islamic banking in Indonesia reflects the increasing public demand for financial services that comply with sharia principles. Among the most widely used financing instruments is the murabahah contract, a cost-plus sale agreement practiced by Islamic financial institutions. Although conceptually simple, the implementation of murabahah in banking frequently encounters legal and practical challenges that may reduce the effectiveness of customer protection. This research analyzes the legal protection mechanisms embedded in murabahah financing as regulated in Islamic law, the Sharia Banking Act, and DSN-MUI Fatwas. Using a normative juridical approach supported by statutory analysis and conceptual interpretation, the study examines how murabahah regulates asymmetric contractual relations in which banks possess superior information, technical capacity, and bargaining power compared to customers. The findings indicate that, in practice, several aspects of murabahah—such as transparency of cost and margin, ownership transfer, risk allocation, and default handling—do not always align with sharia principles and consumer protection standards. Strengthening regulatory enforcement, improving contract literacy, and ensuring compliance with sharia governance are essential to optimize legal protection for customers in murabahah transactions. This study contributes to the discourse on sharia-compliant financing by offering a comprehensive evaluation of existing legal frameworks and their practical implications.
Copyright (c) 2025 Tia Choliza, Muhammad Aziz Zakiruddin https://creativecommons.org/licenses/by-sa/4.0
SHARIA MICROFINANCE REFORMULATION TOWARDS AN INCLUSIVE ECONOMY
Economic inequality and high poverty rates remain crucial issues in many Muslim-majority countries. This is due to the unequal distribution of wealth, the low quality of public services, and the suboptimal utilization of Islamic economic instruments such as zakat and waqf. Sharia microfinance has emerged as a fair and inclusive financing solution. However, the current model tends to imitate conventional systems and does not fully reflect the values of maqasid al-shariah, particularly in the aspect of hifdz al-mal (protection of wealth). This research aims to rebuild the Sharia microfinance model based on maqashid al-shariah fi hifdz al-mal as an ethical and normative basis for creating an Islamic financial system that is fair, sustainable, and relevant to contemporary socio-economic challenges. Using an Islamic legal research case study approach, this research examines the principles of Islamic financial management, critiques the weaknesses of existing microfinance models, both conventional and Sharia-compliant, and proposes more comprehensive design alternatives. Primary data for this study were obtained through field surveys, in-depth interviews, and direct observation at several Sharia Microfinance Institutions and beneficiary communities. The research results indicate that the application of maqashid al-shariah in the context of asset protection can strengthen the contribution of Islamic financial institutions to empowering micro, small and medium enterprises, alleviating poverty, and achieving the Sustainable Development Goals (SDGs). The proposed model emphasizes the principles of justice, spiritual and material well-being, protection of fundamental rights, and institutional synergy based on Islamic values.
Copyright (c) 2025 Ubaidillah, Dede Nurrohman, Ahmad Muhtadi Anshor, Mahmood Kooria https://creativecommons.org/licenses/by-sa/4.0
FROM FATWA TO COMPLIANCE IN ISLAMIC FINANCIAL ENFORCEMENT
This study examines how DSN-MUI fatwas can be transformed into operational and binding legal norms within the governance of Sharia fintech in Indonesia. The main problem identified is the absence of an integration mechanism between fatwas and OJK regulations, resulting in a dualistic supervisory framework that creates legal uncertainty and weakens the enforcement of Sharia compliance. Using a normative legal research method with legislative, conceptual, and comparative approaches, this study analyzes regulatory gaps, supervisory structures, and governance practices across several countries. The findings indicate that the dual authority model hampers regulatory effectiveness and undermines public trust in Sharia fintech. This study recommends an integrated governance framework through normative harmonization, the establishment of an OJK-DSN-MUI coordination platform, and the incorporation of fatwa provisions into formal regulations to strengthen legal legitimacy, ensure Sharia compliance, and enhance consumer protection. Study analyzes the transformation of fatwas into enforceable legal frameworks within the governance of Sharia fintech in Indonesia. Using a normative and comparative legal approach, this study examines the relationship between the regulations of the Financial Services Authority (OJK) and the fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN–MUI).
Copyright (c) 2025 Noer Purnama, Lies Sulistiani, Zainal Muttaqin https://creativecommons.org/licenses/by-sa/4.0
RELABELING BY INFLUENCERS IN THE DIGITAL MARKETPLACE
This research is a normative legal study using a case study approach that analyzes the legal and ethical implications of relabeling practices conducted by influencers in Indonesia. The problem arises from the case of Shella Saukia and Umama Scarf, in which original hijab products were resold after their brand labels were replaced with a private “SS” label without authorization. This practice poses serious legal concerns regarding consumer deception, violation of trademark rights, and unfair business competition in digital commerce. The study relies entirely on secondary data through library research, using primary legal materials such as Law Number 8 of 1999 on Consumer Protection, Law Number 20 of 2016 on Trademarks and Geographical Indications, and Regulation of the Minister of Trade Number 73 of 2015 on Mandatory Labeling on Goods. The analysis applies a normative qualitative method by correlating Indonesian positive law with principles of fiqh muamalah—particularly ṣidq (honesty), bayān (transparency), and ‘adālah (justice). The findings show that unauthorized relabeling violates consumers’ rights to accurate information, infringes trademark protection, and distorts fair market competition. From an Islamic legal perspective, such practices constitute tadlīs (deception), gharar (uncertainty), and ghasb (unlawful appropriation), all of which are categorically prohibited. As a comparative framework, this study also refers to the United States Federal Trade Commission (FTC) regulations, which strictly mandate truth-in-labeling and prohibit deceptive or unfair marketing practices. These standards provide valuable insight for strengthening Indonesia’s regulatory safeguards. The study concludes that harmonizing positive law, Islamic legal principles, and international best practices is essential to ensuring a fair, transparent, and ethical digital trade ecosystem.
Copyright (c) 2025 Shofa Robbani, Dinda Oktavia Bulan Fitriani, Muhammad Nazir Alias, Dwi Nur Laili, M. Iqbal Maulana; Yuni Salma Nur Afida; Amaliatus Sholihah https://creativecommons.org/licenses/by-sa/4.0
THE VALIDITY OF GOLD INSTALLMENT CONTRACTS IN ISLAMIC BANKS:
This study examines the dynamics of gold installment plans at Islamic banks with reference to the DSN-MUI fatwa as a legal basis, because this scheme attracts public interest as an alternative to sharia investment but still often causes uncertainty in the contract. The research method used is normative law of a qualitative nature and literature review, utilizing DSN-MUI Fatwa No. 77/DSN-MUI/VI/2010, contemporary fiqh literature, journal articles, and Islamic bank documents, which were analyzed using content analysis. The study revealed that the fatwa guarantees physical ownership of gold and the establishment of a fixed margin, but in practice, certificates are often issued without physical gold, margins are rarely explained transparently, and post-contract price fluctuations are not optimally accommodated. A comparison with contemporary fiqh scholars shows similarities in the principles of haqiqi, takhsis, and the prohibition of riba ‘uyuniyah, but the fatwa is less flexible regarding extreme price adjustments. An ideal operational model requires a gradual delivery mechanism, cost transparency, and customer protection in accordance with the maqashid syariah. Although the fatwa is consistent with Sharia principles, there is a gap between theory and practice that could potentially harm customers. Recommendations include the implementation of gradual physical delivery, transparent pricing, revision of fatwas related to market price references, and the development of bank SOPs to ensure Sharia compliance and asset protection.
Copyright (c) 2025 Hamdanil, Bagus Pria Alwadipa https://creativecommons.org/licenses/by-sa/4.0
PHILOSOPHICAL FOUNDATIONS FOR RESEARCH AND DEVELOPMENT OF SHARIA ECONOMIC LAW METHODOLOGY:
This study examines the philosophical dimensions in the development of Sharia economic law methodology by highlighting three main aspects: ontological, epistemological, and axiological. The purpose of this research is to formulate a methodological framework capable of integrating the normative Islamic sources based on divine revelation with scientific rationality and empirical perspectives within the discipline of economics. Methodologically, this normative-legal study employs a qualitative approach through a philosophical–integrative library research method. This approach involves a critical analysis of classical and contemporary literature on Islamic law, economic theory, and the philosophy of science, to formulate the relationship between spiritual and material realities, as well as between transcendental values and the empirical realities of the economy. Through this approach, the research is not only descriptive of the methodology of Sharia economic law but also constructive in formulating the direction for developing an adaptive Sharia economic law methodology in response to modern socio-economic dynamics. The findings show that, ontologically, Sharia economic law is rooted in the integration of spiritual and material realities; epistemologically, it combines revelation, rationality, and empirical understanding as the foundation of legal knowledge; and axiologically, it emphasizes justice, balance, and public benefit (maṣlaḥah) as its normative orientation. Thus, this study contributes to strengthening the philosophical foundation while providing a conceptual direction for the development of Sharia economic law methodology that is holistic, adaptive, and grounded in Islamic ethical values consistent with the maqāṣid al-sharī‘ah, ensuring its continued relevance to contemporary global economic challenges.
Copyright (c) 2025 Suaidi Suaidi, Muhamad Nasrudin https://creativecommons.org/licenses/by-sa/4.0
Legal Relationship between TikTok Affiliates and TikTok Sellers after the Enactment of Ministry of Trade Regulation No. 31 of 2023 under Sharia Economic Law
The existence of a legal relationship often underlies collaboration between parties, including between TikTok affiliates and TikTok sellers. The enactment of Ministry of Trade Regulation No. 31 of 2023 has changed the mechanism of TikTok's affiliate system, affecting the legal relationship between these parties. However, previous studies have not adequately explored the legal implications of these changes, particularly from the perspective of Sharia economic law. This study is a normative-empirical legal research employing a qualitative method and a juridical-sociological approach. Data were collected through observation, literature review, and interviews. The study distinguishes itself by combining doctrinal legal analysis with field-based empirical insights and by incorporating Islamic legal principles into digital commercial practices. The findings categorize TikTok affiliate mechanisms into two types. First, commission-based affiliates do not require prior approval from sellers, thus lacking a formal legal relationship. Second, affiliates who enter into cooperation contracts with sellers, which implies a legal relationship, although often weakened by the informal nature of these agreements. From the perspective of Sharia economic law, the first category aligns with a ju’alah contract, while the second involves a valid work-based contract. The study contributes new insights into the classification and legal strength of digital affiliate relationships under both state and Sharia law, especially in light of recent regulatory reforms
Copyright (c) 2024 Ryan Ivan Bahtiar, Bhismoadi Tri Wahyu Faizal, Akhmad Farid Mawardi Sufyan https://creativecommons.org/licenses/by-sa/4.0
EXAMINING SHARIA STOCK SCREENING STANDARDS AND THEIR IMPACT ON ECONOMIC STABILITY IN THE ASEAN ECONOMIC COMMUNITY
This study aims to analyze the standard of sharia stock screening process and its impact on economic stability in the context of the ASEAN Economic Community (AEC), reviewed from the perspective of Maqāṣid Asy-Syarīah. Sharia stock screening is the process of evaluating a company's shares to ensure compliance with sharia principles, which include financial, ethical, and operational aspects. In the context of the AEC, this standard plays an important role in maintaining economic stability, by ensuring that investments made are in accordance with Islamic values. This study uses a qualitative analysis method with a descriptive-analytical approach. The data used were obtained from secondary sources such as journals, books, and official reports. The results of the study indicate that strict sharia stock screening standards contribute to economic stability, by encouraging ethical and responsible investment. In addition, the implementation of this standard in the context of the AEC is also in line with the objectives of Maqāṣid Asy-Syarīah, especially in protecting the interests of the people, maintaining justice, and promoting shared prosperity. Therefore, this study suggests strengthening and harmonizing sharia stock screening standards at the ASEAN level to support broader economic stability and prosperity.
Copyright (c) 2025 Deva Nabilah, Khadijatul Musanna, Benny Sultan, Shahzulhemi Aiman https://creativecommons.org/licenses/by-sa/4.0
URGENCY OF FINANCIAL RATIO SCREENING REGULATION FOR MSMEs CO-FUNDING ON SECURITIES CROWDFUNDING SERVICE
As of May 7, 2024, the securities crowdfunding cycle has facilitated the funding of 356 securities, comprising 231 equity securities, 20 debt securities, and 105 sukuk securities. Sukuk experienced an increase in the share of sharia securities funding with a percentage of 30%, up from 22% in 2023. This increase in funding was not accompanied by a specific, legally binding screening standard for sharia securities issuers in the securities offering mechanism. Financial Services Authority or Otoritas Jasa Keuangan (OJK) Regulation Number 35 of 2017 cannot be legally applied as a screening standard for this funding. This research employs a library research methodology with a socio-legal approach to examine this regulatory void. Primary data consists of OJK Regulation No. 35 of 2017 and OJK Regulation No. 57 of 2020, supported by secondary data on offering mechanisms, funding growth, and relevant literature. The study found a lack of specific regulations governing screening standards (core business and financial ratio) for Sharia securities in the SCF cycle. Currently, guidelines are often informally drawn from OJK Regulation No. 35 of 2017, which is legally inappropriate as it is intended for the public-company setting of the Indonesia Stock Exchange. The findings highlight the need for a specific regulation governing screening standards for securities crowdfunding funding. Adopting an economic approach to legal science, this study proposes the development of a specific OJK Regulation (POJK) that provides clear screening criteria and permanent legal consequences for issuers or publishers who violate the Sharia securities criteria.
Copyright (c) 2025 Kefi Miftachul Ulum, Adi Surya Fathoni; Lia Wilda Izzati Lia https://creativecommons.org/licenses/by-sa/4.0
Leveraging Qardhul Hasan Practices from Zakat Funds Through Maqasid Shariah: Lessons From Indonesia and Malaysia
This study examines the practice of qardhul hasan funded by zakat through the perspective of maqasid sharia, focusing on case studies in Indonesia and Malaysia. Qardhul hasan, defined as an interest-free loan, presents a promising method for effectively utilizing zakat funds; however, its implementation within the framework of Islamic law remains a subject of ongoing debate. A qualitative approach was employed, including content analysis and semi-structured interviews with experts in zakat and Islamic law. The findings indicate that maqasid sharia provides a strong foundation for implementing qardhul hasan, particularly in supporting post-pandemic economic recovery. It is crucial to establish clear parameters and guidelines to ensure that qardhul hasan practices adhere to sharia principles and achieve the goal of social justice. This research advances the current understanding of qardhul hasan by highlighting its potential impact on zakat management and economic recovery. Additionally, it encourages zakat policymakers and practitioners to focus on developing effective systems aligned with maqasid sharia and emphasizes the need for ongoing evaluation and trials to enhance zakat's role in societal welfare.
Copyright (c) 2024 Hisam Ahyani, Naeli Mutmainah, Nurul Ilyana Muhd Adnan, Ending Solehudin, Encep Taufik Rahman, Miftakhul Huda https://creativecommons.org/licenses/by-sa/4.0
Establishing Warehouse Receipts as Debt Guarantees in Indonesia’s Sharia Economic Law
This study addresses Indonesian farmers' challenges in accessing credit due to limited collateral options recognized by financial institutions. Farmers often struggle with capital access, as their agricultural products are not classified as eligible collateral under existing regulations. As a result, they cannot use their crops as collateral due to the absence of legal provisions. The research aims to answer two main questions: How can the position of Warehouse Receipts be recognized as a Debt Guarantee Right in Indonesian law? What is the execution power of Warehouse Receipt guarantees if the debtor defaults? This study analyzes the relevant laws and regulations using a normative juridical research method with a statutory approach. The findings reveal that Law No. 9/2006 (amended by Law No. 9/2011) established a legal framework for Warehouse Receipts, transforming them from proof of custody into evidence of property rights. This legal recognition enables Warehouse Receipts to be used as collateral, providing farmers an avenue to access credit. Furthermore, the study concludes that the execution of Warehouse Receipt guarantees is enforceable in cases of debtor default, offering enhanced legal certainty for creditors.
Copyright (c) 2025 Arvita Hastarini, Ariesta Wibisono Anditya, Elza Qorina Pangestika https://creativecommons.org/licenses/by-sa/4.0
PRACTICE OF MANGREWA BUSINESS IN MALIBA HAMLET, CURIO DISTRICT, ENREKANG REGENCY ANALYSIS OF ISLAMIC ECONOMIC LAW
This research was conducted to know how Islamic Economic Law views Mangrewa Business Practices in Maliba Hamlet, Curio District, Enrekang Regency, South Sulawesi. The type of research conducted is field research with a qualitative model. The object of research is focused on the practice of Mangrewa business profit sharing in Maliba Hamlet, Curio District, Enrekang Regency. The nature of this research is descriptive, describing how the Mangrewa business practices are carried out by the local community and then associated with Islamic Economic Law which refers to the Qur'an and Hadith. Data collection techniques in this study are observation, interview, and documentation. The data analysis technique used is Qualitative Descriptive Analysis. The results showed that the Mangrewa business practice uses the principle of profit sharing with the use of the Mudharabah Mutlaqah contract where the owner of the capital gives livestock to the manager to be cared for without any specified time limit and the distribution of profits is carried out after the livestock produces children. Regarding using livestock as business capital, it is considered valid according to Islamic Economic Law because the form and amount are clear and can be delivered when Ijab Qabul. Then in terms of profit sharing, it is also permissible because it is by the principles of Islamic Economic Law in which the profit is divided equally without any party being disadvantaged, and there is an element of mutual consent from both parties.
Copyright (c) 2025 Mirnasari, Trimulato, Nuringsih, Syarifuddin https://creativecommons.org/licenses/by-sa/4.0
Assessing The Regulation of Tiktok Shop by The Minister of Trade Through Maqashid Syariah
Integrating social media platforms in commercial activities introduces complex challenges, particularly in consumer protection, economic justice, and alignment with ethical and legal standards. This study aims to analyze the Minister of Trade’s regulation on TikTok Shop through the lens of Maqashid Syariah to assess its compatibility with Islamic moral values and legal principles. Adopting a qualitative research methodology utilizes a formal literature review and content analysis to examine the relevant provisions of the regulation. The findings indicate that current laws governing online commerce require further adaptation to better align with the principles of Maqashid Syariah, ensuring fairness, sustainability, and societal welfare in digital transactions. This research contributes to the ongoing discourse on strengthening the regulatory framework for online commerce, promoting ethical standards, and fostering a more equitable and sustainable business environment. The study also offers a foundation for policy development that supports the growth of online commerce in a manner that benefits all stakeholders while adhering to Islamic principles of justice and public welfare.
Copyright (c) 2024 Muhammad Rifky Pratama, Fatimah Piracha https://creativecommons.org/licenses/by-sa/4.0
Wanprestasi Akibat Keterlambatan Pengantaran oleh Kurir GoFood
This article examines the breach of contract issue related to delays in food delivery by GoFood couriers, a rapidly growing food delivery service in Indonesia. Despite the increasing popularity of such services, there is a significant research gap regarding the impact of delivery delays on customer satisfaction. This study aims to analyze the impact of delivery delays on customer satisfaction and identify the factors contributing to these delays. Using a case study analysis method explores specific instances of breach of contract due to delivery delays by GoFood couriers. The results indicate that delivery delays significantly negatively impact customers' perception of GoFood's service. Contributing factors to the delays include traffic conditions, order volume, and company policies. These findings provide valuable insights for GoFood and similar services to enhance delivery efficiency and customer satisfaction. The practical implications of this study include recommendations for improving delivery processes, courier training, and better communication with customers. This research contributes to understanding how delivery delays can affect brand image and customer satisfaction in the context of an evolving food delivery service. In conclusion, the corrective actions taken by the company can help improve service quality and minimize potential conflicts with customers.
Copyright (c) 2024 Slamet Eko Widodo, Fredy Gandhi Midia https://creativecommons.org/licenses/by-sa/4.0
Societal Behavior Towards Islamic Insurance: A Sociological and Anthropological Perspective on Sharia Economic Law
Islamic insurance has become a popular investment choice among Muslim communities, as it offers a means to mitigate future risks. The success of Islamic insurance companies is closely linked to the community's understanding of the importance of Islamic insurance. This study aims to identify and analyze the factors influencing societal behaviour towards Islamic insurance from a sociological and anthropological perspective on Sharia economic law. The analytical methods include data reduction, fact presentation, and conclusion drawing. The study's findings indicate that the most significant factor influencing the decision to adopt Islamic insurance is the level of understanding of Sharia principles, followed by the quality of the products. However, indicators such as premiums and promotional activities are less known among respondents, suggesting that insurance companies must enhance their efforts to promote Islamic insurance to the public. This research provides a deeper understanding of the factors influencing societal behaviour towards Islamic insurance and offers relevant recommendations for developing effective marketing strategies for Islamic insurance in Indonesia from both sociological and anthropological perspectives.
Copyright (c) 2024 Muh Anwar Nurhasan Rumaf https://creativecommons.org/licenses/by-sa/4.0
Productive Zakat and Economic Empowerment: Impact on Mustahiq Income at Darul Ilmi Islamic School
Despite its substantial zakat potential, economic inequality remains a significant challenge in Indonesia. This study examines the impact of productive zakat on the economic empowerment of mustahiq (zakat recipients) at the Modern Islamic Boarding School Darul Ilmi Indonesia. The research employs a mixed-method approach, combining quantitative income analysis before and after receiving zakat with qualitative insights from beneficiary interviews. The Wilcoxon signed-rank test results indicate a significant increase in mustahiq income post-zakat. This highlights the effectiveness of productive zakat in enhancing economic self-sufficiency. The study's novelty lies in its comprehensive evaluation of zakat's role in socio-economic upliftment within an Islamic educational context. These findings underscore the potential for replicating such models in similar institutions to mitigate economic disparities.
Copyright (c) 2024 Nurwahidin Nurwahidin, Dodik Gilang Islami, Ria Fauziah Salma, S. Salahudin Suyurno https://creativecommons.org/licenses/by-sa/4.0
Integrating Islamic Business Ethics in Labor Protection and Minimum Wage Determination in Indonesia
Policies related to the minimum wage are a contentious issue in employment across both developed and developing countries, aiming to meet community needs and benefit families. However, a research gap exists in applying justice and moral principles to wage determination from the perspective of Sharia economic law in Indonesia. This study aims to analyze fair wage components according to Islam and the role of business ethics in protecting workers and determining wages. Employing a literature review method, data were gathered from various sources such as books, journals, and previous research findings, which were reviewed and analyzed using descriptive analysis techniques. The study emphasizes the importance of justice and moral components in Islamic wage determination, rooted in the absolute essence granted by God, essential for morality. Business ethics in work protection and wage determination are crucial to ensure fair treatment and prevent exploitation. Recommended steps include optimal labor protection and wage determination, timely payment of agreed wages, recognition and guarantee of labor, fair wage determination without harm, and providing worker freedom. The study's novelty lies in integrating Islamic principles of justice and morality into minimum wage policies and developing practical business ethics guidelines for labor protection and wage determination under Sharia economic law in Indonesia.
Islamic Business Ethics, Labor Welfare, Determination of Labor UMR
Copyright (c) 2024 Muhammad Miftahul Ikhsan, Neni Nuraeni, Deffa Meiriyanti https://creativecommons.org/licenses/by-sa/4.0
The Impact of Delaying Mie Gacoan’s Halal Certification on Consumer Loyalty
This study aims to evaluate the impact of the delay in Mie Gacoan’s halal certification on consumer loyalty. The delay in halal certification can influence consumer perception and loyalty, yet there is limited research exploring its impact on the food industry in Indonesia. This study employs field research methods, using direct observation and a descriptive qualitative approach to collect and analyze data. The results indicate that most Mie Gacoan consumers know about the delay in halal certification. Despite this, consumers remain highly interested in visiting and purchasing Mie Gacoan products, as they trust that 100% of the raw materials used are safe and have been certified halal. These findings suggest that the delay in halal certification does not significantly affect purchase intentions and consumer loyalty. This research provides new insights into consumer responses to the delay in halal certification, demonstrating that consumer trust in the quality and safety of raw materials can mitigate concerns related to the delay, thus maintaining consumer loyalty to the product.
Copyright (c) 2024 Lukmanul Hakim, Imron Rosyadi, Almasah Farah Diah Setyawati https://creativecommons.org/licenses/by-sa/4.0
FACTORS THAT ENCOURAGE COMMUNITY INTEREST IN USING QUICK RESPONSE CODE TO DONATE FOR ZIS IN BAZNAS CIREBON DISTRICT
This study aims to explore the factors driving the public interest in using Quick Response Code (QRIS) as a means to donate Zakat, Infaq, and Sadaqah (ZIS) to the National Amil Zakat Agency (Baznas) in Cirebon Regency. The research method employed was qualitative. Data collection involved administering questionnaires to 126 respondents, conducting direct interviews with 8 community members, and interviewing an expert in zakat and waqf management. The findings of the study highlight several key factors influencing public interest in donating ZIS via QRIS, including the level of trust in Baznas and the QRIS system, the proximity of QRIS donation locations facilitating access, the convenience and ease of use of QRIS, civil servant status, and well-organized ZIS donation programs. The implications of these findings indicate the necessity for Baznas in Cirebon Regency to enhance public trust in the institution and the QRIS payment system, expand the network of QRIS donation locations in easily accessible areas, ensure comfortable and user-friendly QRIS usage, involve civil servants in promoting and implementing ZIS donation programs via QRIS, and organize ZIS donation programs in a planned and structured manner. By taking these steps, it is hoped that public interest in using QRIS to donate ZIS to Baznas in Cirebon Regency will significantly increase, ultimately supporting the institution's revenue growth and poverty alleviation efforts in the region.
Copyright (c) 2025 Dede Al Mustaqim, Nazula Alfi Rahmah https://creativecommons.org/licenses/by-sa/4.0
The Moderating Role of Shariah Compliance in Millennials' Adoption of Digital Financial Transactions at Bank Muamalat
This study aims to analyze the moderating role of Sharia compliance in influencing the relationships between attitude, subjective norm, and perceived behavioral control variables towards the adoption of digital Islamic networks in financial transactions. Questionnaires were distributed to 204 respondents, and the data were analyzed using a regression approach with SmartPLS version 4 software, then interpreted through the Theory of Planned Behavior (TPB) concerning Sharia compliance. The results indicate that Sharia compliance and perceived behavioral control play a central role in shaping individual behavior in financial transactions. However, Sharia compliance has not been able to moderate attitude, subjective norm, and perceived behavioral control towards the adoption of digital Islamic networks. This suggests that Sharia compliance does not significantly influence how individuals form attitudes, subjective norms, or perceived behavioral control regarding the adoption of the technology. The study suggests that the paradigm shift in financial transactions within the Islamic community should encompass efficiency, transparency, and innovation in accordance with Sharia principles. These findings illustrate a fundamental shift in the convergence of religious values and advancements in financial technology. This study contributes pioneering insights to the literature, focusing on Sharia compliance. It introduces Sharia compliance as a significant moderating factor impacting perceived behavioral control and the adoption of digital Islamic networks.
Sharia Compliance; Theory of Planned Behavior; Adoption of Digital Islamic Network; Millennial Generation.
Copyright (c) 2025 Muh Irsyam, Syaparuddin, Sitti Nikmah Marzuki, David E Strech https://creativecommons.org/licenses/by-sa/4.0
Productive Zakat and Women's Empowerment for Inclusive Economy: Sharia Economic Law And Social Fiqh in Indonesia
Women significantly contribute to the national economy through their Micro, Small, and Medium Enterprises (MSMEs) roles. However, they face inadequate support from government and private sectors in accessing formal financial services. This research addresses the gap in gender-inclusive financial support by exploring the potential of productive Zakat within the framework of Sharia Economic Law in Indonesia and social fiqh. The study aims to evaluate how productive Zakat can mitigate gender inequality and promote economic inclusion for women. A qualitative methodology with a normative approach was employed to address this issue, utilizing the social fiqh paradigm for analysis. As a legal product, the findings reveal that fiqh evolves with societal changes. Social realities, such as the discrimination women face in accessing financial resources, necessitate the adaptive allocation of Zakat. Precisely, dedicating Zakat to women reflects their unique economic challenges and highlights the need for specialized management structures to distribute productive Zakat effectively. This study contributes to the existing literature by demonstrating the practical application of Sharia Economic Law in Indonesia and social fiqh in addressing contemporary gender disparities in economic participation. The novelty lies in proposing a structured and professional management system for productive Zakat to empower women, fostering economic inclusivity.
Copyright (c) 2024 Chuzaimatus Saadah, Az Zahra Aulya Salsabila, Dwi Khalimah https://creativecommons.org/licenses/by-sa/4.0
Sharia Economic Law in The Islamic Capital Market: Factors Influencing Selection and Decision-Making
Investment is a compelling topic, especially in the capital market context. In Indonesia, which has the largest Muslim population in the world, the Islamic capital market plays a significant role in economic development under Sharia economic law. However, many Muslim investors still use conventional investment accounts, indicating a gap in understanding and adherence to Sharia principles. This study aims to examine the behavior of Muslim investors in making investment decisions based on Sharia principles and the factors influencing these decisions. This research employs a literature review method, with data from various journals, books, documentation, and internet sources over the past five years. The findings reveal that perceived behavioral control significantly influences investor decision-making, and attitudes toward perceived risk also impact investment decision-making. This study identifies a gap in the literature regarding Muslim investors' understanding of Islamic investment products and contributes new insights by integrating behavioral investment analysis with adherence to Sharia principles. These findings are expected to provide practical recommendations for developing the Islamic capital market in Indonesia and enhance Muslim investors' awareness and understanding of the importance of Sharia-compliant investments under Sharia economic law.
Copyright (c) 2024 Ali Hardana, Dzulasjastri Abdul Razak, Windari Windari, Halima Tussadiah, Elga Nasution https://creativecommons.org/licenses/by-sa/4.0
Strengthening Sharia Economic Law in Indonesia: Challenges and Strategic Approaches Amidst Global Economic Dominance
In the current context of economic globalization, Indonesia's Sharia-based economic system faces significant challenges in developing itself amidst the dominance of capitalist and socialist economic systems. This article aims to analyze the challenges faced by Indonesia's Sharia-based economic system and explore the maslahah mursalah approach as a conceptual framework to address these challenges. Through this approach, the article presents several strategic steps to strengthen the position of Sharia economics in Indonesia, including efforts to maintain the identity of Sharia economic law in a global environment dominated by capitalism, gathering empirical evidence on the advantages of Sharia economics, and increasing dialogue and collaboration between the academic community and practitioners of Sharia economics. This study fills the research gap by providing empirical comparative studies on the advantages of Sharia economics over capitalist and socialist systems, offering strategic solutions for practical implementation, and emphasizing the importance of academic-practitioner collaboration. This research's novelty is applying the maslahah mursalah conceptual framework, strategically reinforcing Sharia economic law identity, and enhancing academic-practitioner interaction. This article contributes to understanding the potential and challenges of developing Sharia economic law in Indonesia, offering new perspectives and concrete steps to strengthen Sharia economics in a dynamic global context. The findings enrich theoretical discussions and provide practical solutions to bolster the Sharia-based economic system amidst the prevailing global economic paradigms.
Copyright (c) 2024 Adinda Yuliana Musthofa, Fayiz Afif, Karimuddin Karimuddin https://creativecommons.org/licenses/by-sa/4.0
Unraveling Cultural Practices and Sharia Economic Law in The Seaweed Trading System Of Kuala Stabas, Lampung
Buying and selling are essential economic activities integral to fulfilling daily needs. In the community of Kuala Stabas, Pesisir Barat Regency, Lampung, Indonesia, a unique system for trading seaweed using plastic bags without prior weighing is prevalent. The legality of this system under Sharia economic law remains unclear. This study aims to address this research gap by evaluating the legitimacy of the seaweed trading system using plastic bags from the perspective of Sharia economic law while also examining the local wisdom inherent in the practices of the Lampung community. This field research employs a qualitative descriptive approach, gathering primary data through interviews with key informants and supplementing it with secondary data. The uniqueness of this study lies in its in-depth analysis of local practices that have been scarcely studied. Findings indicate that the practice of trading seaweed using plastic bags in Kuala Stabas is lawful and permissible under Sharia economic law, as it aligns with the principles, requirements, and conditions of trade in Sharia, including Aqidain, Sighat (ijab qabul) and Ma'qud 'alaih. This research significantly contributes new insights into the local trading dynamics within the framework of Sharia economic law, enriching the existing literature and providing a foundation for further research.
Copyright (c) 2024 Hervin Yoki Pradikta, Rawan Ba Wazier, Yenda Nofika, Hasanuddin Muhammad https://creativecommons.org/licenses/by-sa/4.0
Sharia Economic Law Analysis of Mud Bathing in Tiktok Live as Online Begging (Maqashid Syariah Approach)
The phenomenon of live mud bathing content on TikTok has stirred controversy, being perceived as a manifestation of online begging. TikTok’s live streams attract significant viewership, allowing some participants to earn substantial sums in a single session. However, this practice raises ethical concerns and conflicts with the principles of Maqashid Sharia, particularly in upholding human dignity and avoiding harm. This study aims to systematically analyze the issue through the perspectives of Sharia Economic Law and Maqashid Sharia. The research synthesizes relevant references from scholarly books and journals using a literature review methodology. The analysis indicates that live mud bathing content on TikTok primarily results in financial losses rather than benefits for Indonesian viewers. Furthermore, the study proposes recommendations for the Minister of Religious Affairs to ensure that TikTok content in Indonesia adheres to educational standards and local regulations. The novelty of this research lies in its application of Sharia Economic Law and Maqashid Sharia principles to analyze a contemporary digital ethics issue. This study contributes to the discourse on Islamic jurisprudence and digital media ethics by critically evaluating the ethical dimensions of live mud bathing on TikTok. The findings underscore the need for regulatory measures and moral guidelines to mitigate the negative impact of such content, ensuring alignment with societal values and religious principles.
Copyright (c) 2024 Luthfiyah Dewi Masyithoh, Dwi Putra Amrah, Imron Musthofa https://creativecommons.org/licenses/by-sa/4.0