AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam is a scientific journal in the field of mualamah and Islamic economics studies published twice a year (May and November) by the Pusat Penelitian dan Pengabdian Masyarakat (P3M),, Institut Agama Islam STIBA Makassar, Indonesia. It is open for all academics, practitioners, intellectuals, and students with the specification of the study of mualamah and Islamic economics. Ideas covering research article, conceptual idea, review of the literature, and practical experience. The scope of AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam are limited to Fiqh of Muamalah, Islamic Economics, Islamic Banking and Finance, Islamic Economic Management, Islamic Economics Law, Management of Zakat, Infaq, Sadaqah, and Waqf, Islamic Entrepreneurship And Business, Islamic Economics Thought, Islamic Insurance, Islamic Accounting, Halal Management, etc. The article will be published in Indonesian, English, and Arabic language.
Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia
Opportunity, Challenge, and Strategy of Media in Increasing Waqf Literacy: Correlation and Thematic Interpretation of Relevant Quranic Verses
This study aims to analyze the role of media in enhancing waqf literacy in Indonesia by identifying the opportunities, challenges, and strategies that can be implemented through the integration of thematic interpretations of relevant Quranic verses. This research employs content analysis and thematic interpretation methods to examine the Quranic verses relevant to the research topic. Data are collected from various literature sources, focusing on verses related to charity and waqf, as well as studies concerning media that enhance public understanding of waqf. The results indicate that both mass and digital media play a significant role in improving waqf literacy through strategic information dissemination tailored to audience characteristics. The use of modern technology, collaboration with waqf institutions and religious communities, and real-time analytics present substantial opportunities to broaden public understanding of waqf. However, challenges include a lack of in-depth understanding of waqf among journalists, competition with sensational content on social media, and resource limitations. Effective strategies that can be implemented include the development of engaging educational content, strategic collaborations, multi-channel approaches, and training for journalists.
media, waqf literacy, strategy, digital technology, quran
Copyright (c) 2025 Azwar Azwar, Achmad Abubakar, Muhammad Irham
Investigasi Kualitatif pada Faktor-faktor yang Mendorong Minat Masyarakat terhadap Penggunaan Bank Syariah di Indonesia
Islamic banking is present as a solution to the conventional banking system, by offering products that are in accordance with Islamic principles, Islamic banking has succesfully developed in Indonesia. This research aims to identify the factors that drive people’s interest in using the products. Using a qualitative approach, this study collected data trhough interviews with informants who have experience or interest in Islamic banking products. The results show that the factors that influence people’s interest in using Islamic bank products and services are driven by the awareness of halal principles and the concept of usury, people are also very satisfied with the administrative costs wich are considered lower than the administration of conventional banks. In addition, the variety of Islamic bank products has also succeesed in attracking public attention. This has a positive impact on the national economy. However, the level of public understanding of these products still needs to be improved. Some complex Islamic products are often insufficiently understood by the general public, therefore, more intensive education is needed tp maximize the utilization of sharia financial products.
Islamic Economics, Sharia Banking, Usury, Public Interest.
Copyright (c) 2025 Rizka Nabilah Al-Wakhidah, Muhammad Yazid
Pemanfaatan Media Sosial Instagram sebagai Islamic Digital Marketing Promosi Lingerie pada Akun Wifeonly
Lingerie is a category of women's underwear that implies that it is attractive, fashionable or both. Lingerie is made of light, elastic, smooth, thin, or decorative fabrics such as silk, satin, spandex, chiffon or lace. Wifeonly is a brand owned by Meilia, an entrepreneur from Semarang who initially sold books but shifted to the underwear fashion business due to a continuous decline in book sales. Now wifeonly produces underwear & herbs such as panties, bras and lingerie. Uniquely the system that meilia builds in her business is a Syar'i system or Islamic marketing and makes Instagram the only media to sell her products. The theory used in this research is Islamic digital marketing. This study aims to find out the efforts and attention of business owners in applying the halal system to the products they sell even though their superior products are very vulnerable to being judged negatively in terms of the intended use. The method used in the research is field research, namely a research method that collects data directly in the field, involving observation, interviews, and documentation to understand phenomena in their original context. Now Wifeonly, whose business is rapidly on social media, has a follower of 40,600 people with a turnover of hundreds of millions per month, has answered questions and concerns of some parties about its business, especially the purpose and purpose of using its main product, namely lingerie. The results of the analysis that has been carried out that Wifeonly has implemented Islamic values from the Islamic digital marketing concept.
Syirkah al-Wujūh Perspektif Mazhab Syafii dan Mazhab Hambali
Syirkah al-Wujūh is a partnership contract between two individuals who do not possess capital but rely on their social reputation and credibility in the community. This study aims to understand the concept of syirkah al-wujūh from the perspectives of the Shafi'i and Hanbali schools and to determine which opinion is more authoritative between them. This research employs a qualitative descriptive approach (non-statistical), focusing on the study of textual sources using normative and comparative approaches. It examines various aspects by relying on secondary sources from the Qur’an, Hadith, and the views of scholars in fiqh literature discussing syirkah al-wujūh. The findings of this research are as follows: First, according to the Shafi'i school, syirkah al-wujūh is a cooperation contract between two parties who share the profits obtained from purchasing goods based on their social reputation. Meanwhile, the Hanbali school defines syirkah al-wujūh as a partnership between two or more individuals who share profits from goods purchased on a deferred payment basis, relying on their social credibility. Second, the two schools differ in their interpretation of the syirkah al-wujūh contract, leading to different legal rulings regarding its validity. The stronger opinion between the two ultimately refers to the general legislation on syirkah, as there is no explicit evidence permitting or prohibiting specific forms of syirkah, including syirkah al-wujūh. The implication of this research is that it can serve as a reference for resolving community issues related to syirkah al-wujūh and as a guideline for entrepreneurs or business practitioners facing similar situations.
Copyright (c) 2025 Muttazimah Muttazimah, Kurnaemi Anita, Nur Ismi Auliah
Analisis Fikih Muamalah terhadap Akad Kerjasama Sponsorship Perusahaan Rokok dalam Kegiatan Keagamaan
This research examines the sponsorship contract of cigarette companies in religious activities according to fiqh muamalah in line with the rise of this phenomenon in Indonesian Muslim society. This research aims to find out and understand the muamalah fiqh on sponsorship contracts related to the law of cooperation with cigarette companies in religious activities. This research uses descriptive qualitative research, which takes data sources from library books (library research) using a normative approach that uses the Qur'an and sunnah as the main reference and a sociological approach analysing interrelated social structures. The results showed that cigarette companies as sponsors in the religious field, which is seen as a condition inversely proportional to religious goals. Religion teaches us about taking care of ourselves, not doing damage on earth and not oppressing others. So that by sponsoring religious activities, it seems to support the spread of smoking itself, which we already know has a negative impact on the health of the body. The original law of the contract is valid, what is being discussed is the halalness of the object of the goods being promoted. This contract is not valid considering the harm and the law of this cigarette. This research is expected to contribute and become one of the sources of knowledge for knowledge seekers in knowing the law of sponsorship cooperation contracts in cigarette companies.
Sponsorship, Cigarette Companies, Muamalah Fiqh, Religious Activities
Copyright (c) 2025 Andi Dahmayanti, Risdayani Risdayani, Munawara Munawara, Hayyul Maryam
Sistem Reseller pada Transaksi Jual Beli dalam Perspektif Fikih Muamalah
This research aims to find out and understand the reseller system in buying and selling transactions from the perspective of muamalah fiqh. This research uses a type of qualitative descriptive research which focuses on the study of manuscripts and texts. The results of this research found that first, the reseller system used in buying and selling transactions is a supporter in the smooth running of buying and selling transactions. As is known, a reseller is a person who resells goods after he has bought them, where he can increase or exceed the price of the goods from the initial or previous price. The reseller system nowadays is really needed because with this system buying and selling transactions can run smoothly and is very helpful for sellers in developing their products so that everyone knows them. Second, the reseller system is allowed. Because this system also includes buying and selling transactions which are permitted in Islam. Because resellers also include contracts or exchange transactions (money from the buyer and goods from the seller). So, just as buying and selling is permitted in the Qur'an and Sunah, so are resellers as long as they fulfill the terms and conditions of buying and selling.
Reseller, Buying and Selling, Muamalah Fiqh
Copyright (c) 2025 Rosmita Rosmita, Nur Aidah
Tinjauan Hukum Islam terhadap Penerapan Praktek Ju‘ālah Ternak Sapi dalam Mudarabah (Studi Kasus Desa Bontomanai Kecamatan Rilau Ale Kabupaten Bulukumba)
The Islamic economic system is very much needed as in the application of cooperation contracts and profit sharing in the field of animal husbandry, especially in villages that depend on cattle farming as a source of income. This research aims to analyse the application of mudarabah concept in cattle ju'ālah contract in Bontomanai Village, Rilau Ale Sub-district, Bulukumba Regency. This research uses qualitative field research with research approaches including normative, descriptive, and case study approaches. The results showed that the mechanism for implementing the cooperation contract in Bontomanai Village involves the investor who provides the mother cow and the mudarib who maintains it, the profit sharing is divided according to the initial agreement agreed by both parties. as for any losses, it will be fully borne by the owner of the capital, unless the loss is caused by the negligence of the mudarib. In the distribution of profits, both parties agree to share the results of 1 calf for the capital owner at the first birth of the mother cow and 1 calf for the farmer at the second birth of the mother cow. The practice of applying mudarabah with ju'ālah profit sharing is in accordance with the principles of Islamic law, as long as both parties comply with the initial agreement that has been agreed upon and are able to overcome the garar contained in this profit-sharing cooperation. The implications of this research are expected to contribute to the development of literature on the application of sharia contracts in the livestock sector and can be a reference for village communities that have the same potential, especially in mudarabah contracts with ju'ālah profit sharing contracts in cattle.
Copyright (c) 2025 Zulfiah Sam, Syamsiah Nur, Risdayani Risdayani, Srimustika Srimustika
Urgensi Implementasi Green Ekonomy terhadap Pemeliharaan Jiwa Manusia (Hifz Nafs) Perspektif Al-Qur’an
This study aims to analyze how the urgency of implementing the green economy on the maintenance of the human soul (Hifz Nafs) perspektif al quran. This research is a qualitative study by conducting library research. The data in the study was obtained by conducting content analysis of sources that have relevance to the topic of research conducted. The results of the study indicate that the importance of implementing the green economy concept in the economy is First, in general, environmental damage that occurs comes from economic activities carried out by individuals in households and by industry. Second, environmental maintenance is part of maintaining human survival (hifz Nafs), and environmental damage is a threat to human survival. Third, the concept of green economy is in line with the goals of the Indonesian national economy as stated in the Constitution Article 33 paragraph 4. Fourth, in the Koran it is clearly stated that the purpose of humans being created was as caliphs who were responsible for making the earth prosperous, not vice versa.
Copyright (c) 2025 Fatmawati Fatmawati, Achmad Abubakar, Sohrah Sohrah, Heri Iswandi
Perkembangan dan Pemetaan Riset Wakaf Produktif: Analisis Bibliometrik
This study aims to map and analyze the development of research on productive waqf using bibliometric methods in reputable international publications. The research employs quantitative methods through bibliometric analysis on the Scopus database from 2004 to 2024. The results show a significant increase in publications on productive waqf in recent years. The most productive author/researcher in this area and the most frequently cited is A. Ascarya. In terms of publication media, the Journal of Islamic Accounting and Business Research has emerged as a popular platform. Topic mapping results reveal that the keyword "Indonesia" is a focal point in the study of productive waqf. Topics closely related to Indonesia, such as potential, productive waqf, cash waqf, empowerment, development, and company management, are important aspects in the management and empowerment of waqf in the country. Newer research areas, such as empirical evidence, financing models, cash waqf literacy, cash waqf, and Baitul Maal wat Tamwil, have likely been developing in recent years. In terms of density, topics like impact, empirical evidence, and financing models appear to be less explored and may present promising research areas for the future.
productive waqf, bibliometric, topics, publications, Scopus
Copyright (c) 2024 Azwar Azwar, Khaerul Aqbar
Sanksi Denda Uang bagi Pelanggar Peraturan dalam Perspektif Hukum Islam: Studi Kasus Penerapan Peraturan Asrama Putri Ma'had Al Ishlah Maros Tahun 2019-2020
The application of monetary penalties as a disciplinary measure in Islamic law has sparked diverse scholarly debates, particularly regarding its validity and conditions for implementation. This study examines the regulations and enforcement of monetary penalties at the female dormitory of Ma’had Al-Ishlah Maros during 2019–2020, aiming to analyze their alignment with Islamic jurisprudence. The primary research questions address (1) the rules and practices surrounding monetary penalties in the dormitory and (2) the Islamic legal perspective on their implementation. This research employs a qualitative field study (Field Research) with a case study approach. Data collection methods include observation, interviews, and documentation, analyzed through normative theological and sociological perspectives. The findings reveal that monetary penalties were applied in three administrative domains: language, cleanliness, and memorization (tahfīẓ), based on a verbal consensus between the dormitory administrators and students. In Islamic jurisprudence, the discourse on monetary penalties is divided: some scholars permit it under judicial authority for public welfare, while others, upheld by the majority (jumhūr), categorically prohibit it, citing the principle of safeguarding Muslim property and avoiding unjust enrichment. Fatwa from Lajnah Daimah supports the prohibition of monetary penalties imposed without legitimate religious authority, even when agreed upon consensually. This study contributes to the discourse on disciplinary measures in Islamic educational settings by exploring the tension between contemporary practices and classical jurisprudence. It highlights the need for further refinement of disciplinary frameworks in Islamic boarding schools to ensure compliance with Shariah principles and foster ethical governance.
Monetary Penalties, Islamic Jurisprudence, Disciplinary Measures
Copyright (c) 2024 Riska Riska, Farida Aprianti, Muqnitah Muqnitah, Awal Rifai
Perlindungan KUH-Perdata dalam Pemutusan Sepihak pada Kontrak Kerja Tinjauan Fikih Muamalah
The legal protection of the Civil Code and muamalah jurisprudence is needed to answer and provide a solution to problems related to unilateral termination of employment relations by a company or limited liability company or individual that occurs in society. This research aims to analyze the protection provided by the Civil Code (KUH-Perdata) in the context of unilateral termination of employment contracts with a review of the principles of muamalah fiqh. The research results show: First, the Civil Code provides protection for workers affected by unilateral termination of employment contracts through various provisions that regulate workers' normative rights, including the right to income, benefits and protection against discrimination. Second, muamalah fiqh has several principles that are relevant in assessing the validity and justice of unilateral termination of an employment contract, such as justice, agreement, fair compensation, freedom of contract and must be carried out taking into account sharia principles, such as fairness, honesty and equality. Therefore, the parties involved in an employment contract must understand and respect each other's rights. Third, regarding the provisions of the Civil Code which regulate unilateral termination of employment contracts, it can be concluded that most of the principles of muamalah fiqh are reflected in Indonesian civil law. However, there is still room for increasing protection for workers in unilateral termination in accordance with the values ​​of muamalah fiqh.
Protection, Unilateral Termination, Civil Code, Muamalah Fiqh
Copyright (c) 2024 Iskandar Iskandar, M. Dzulfaldi S., Srydewi Awaliani Syaputri
Analisis Penerapan BPJS Kesehatan Ditinjau Dari Prespektif Ekonomi Islam
Studi ini menganalisis implementasi BPJS Kesehatan, program asuransi kesehatan nasional Indonesia, dari perspektif ekonomi Islam. BPJS Kesehatan berperan penting dalam memberikan perlindungan kesehatan bagi masyarakat Indonesia melalui model cross-subsidization, di mana yang kaya mensubsidi yang membutuhkan. Dari sudut pandang Islam, BPJS Kesehatan sejalan dengan prinsip ta'awun (bantuan timbal balik), keadilan, dan keadilan sosial, yang merupakan dasar dalam ekonomi Islam. Namun, tantangan seperti ketidakpuasan terhadap kualitas layanan, defisit keuangan, dan kepuasan publik terhadap layanan BPJS Kesehatan menyoroti area yang perlu perbaikan. Melalui analisis kualitatif, studi ini mengevaluasi mekanisme BPJS Kesehatan dan mengusulkan penyesuaian untuk lebih selaras dengan prinsip Syariah. Artikel ini bertujuan untuk berkontribusi pada pengembangan sistem asuransi kesehatan yang sesuai dengan standar yang berkelanjutan dan etis seperti yang diamanatkan oleh ekonomi Islam.
Copyright (c) 2024 Zhella Annisa, Muhammad Akmal Chesta Adabi, Rohmah Sabiq, Raisa Syabani
Optimalisasi Prinsip Lā Ḍarar wa Lā Ḍirār dalam Akad Mudarabah: Studi Kasus Praktik Bisnis Mizuta di Makassar
The practice of mudarabah is often a topic of debate, particularly when mudarabah financing involves capital contributions from the mudarib. Therefore, it is necessary to find solutions to the issues within the mudarabah contract by applying fiqh principles. This study aims to understand the concept of the mudarabah contract in Islam and its relation to the principle of lā ḍarar wa lā ḍirār. The research questions addressed are: first, how does the concept of the mudarabah contract in Islam relate to the principle of lā ḍarar wa lā ḍirār? Second, how is the principle of lā ḍarar wa lā ḍirār implemented in mudarabah partnerships in Mizuta Makassar?. This research employs a qualitative method with normative and sociological approaches, and it is conducted as field research. The findings reveal: firstly, in the mudarabah contract, the ṣāḥibu al-Māl, as the capital owner, entrusts all their assets to the mudarib, who manages these assets under the condition that the profit is shared according to the initial agreement. In practice, there is often injustice between the parties involved, which necessitates the application of the principle of lā ḍarar wa lā ḍirār to prevent harm. Secondly, in Mizuta Makassar, the principle of lā ḍarar wa lā ḍirār is implemented through the establishment of a clear contract from the outset, transparency in reporting, and regular evaluation meetings. To date, this approach has successfully prevented disputes within the partnership. The implications of this study are expected to serve as a reference for other researchers in similar studies and to further develop research in this field.
Mudarabah Contract, Principle of Lā Ḍarar wa Lā Ḍirār, Shariah Implementation
Copyright (c) 2024 Sri Reski Wahyuni Nur, Saadal Jannah, Nabilah Al Azizah, Shaimah Azzahar
Sistem Jual Beli Benih Ikan Berdasarkan Prediksi Jumlah dan Berat dalam Tinjauan Fikih Muamalat (Studi Kasus Usaha Nahla Nila Sempange, Desa Pakkanna Kabupaten Wajo)
Penelitian ini bertujuan untuk mengetahui dan memahami hukum terkait sistem penjualan benih ikan berdasarkan prediksi jumlah dan berat pada usaha Nahla Nila. Permasalahan yang penulis angkat dalam penelitian ini yaitu: pertama, bagaimana sistem penjualan benih ikan berdasarkan prediksi jumlah dan berat pada usaha Nahla Nila; kedua, bagaimana tinjauan fikih muamalat tentang sistem penjualan benih ikan berdasarkan prediksi jumlah dan berat pada usaha Nahla Nila. Metode yang digunakan dalam penelitian ini adalah metode penulisan (field research) dengan fokus pada data kualitatif. Proses pengumpulan data dilakukan melalui observasi langsung di lapangan, wawancara dengan berbagai pihak terkait, serta analisis data dari dokumen-dokumen tertulis sebagai sumber informasi. Hasil penelitian ini menunjukkan bahwa: pertama, sistem jual beli benih Ikan berdasarkan prediksi jumlah dan ukuran pada Usaha Nahla Nila yaitu penjualan benih ikan menggunakan takaran gram 1 ekor benih ikan nila sebagai sampel untuk dikalkulasikan dengan jumlah benih ikan yang akan dibeli. Kedua, tinjauan fikih muamalat penjualan benih ikan berdasarkan prediksi jumlah dan berat pada usaha Nahla Nila hukumnya sah dan mubah (dibolehkan), karena telah memenuhi rukun dan syarat jual beli. Implikasi penelitian ini adalah menjelaskan sistem jual beli dan tinjauan fikih muamalat penjualan benih ikan nila berdasarkan prediksi jumlah dan berat pada usaha Nahla Nila. Penelitian ini diharapkan dapat memberikan sumbangan pengetahuan dan khazanah keislaman secara pribadi maupun secara umum kepada seluruh kalangan masyarakat terkhusus bagi pelaku usaha ikan nila terkait sistem jual beli dan tinjauan fikih muamalat penjualan benih Ikan berdasarkan prediksi jumlah dan ukuran.
Benih ikan, fikih muamalat, jual beli, prediksi jumlah dan berat, usaha Nahla nila sempange
Copyright (c) 2024 M. Kasim, Awal Rifai, Muhammad Akib
Praktik Developer Syariah Tanpa Kredit Perbankan Perspektif Fikih Muamalah (Studi Kasus di Perumahan Istiqomah Kabupaten Berau)
The research aims to analyse the law of sharia developer practices without bank credit in Istiqomah Housing in the perspective of fiqh muamalah. This research uses qualitative field research with a research approach using normative and sociological approaches. As for data collection through interviews and documentation, then the data is analysed using qualitative descriptive analysis. The results of the research found that long-term credit begins with negotiations between the housing authority and consumers regarding the fees to be paid, as well as determining the time to install the house with a maximum time of 10 years. This agreement is written, signed and owned by both parties. Home financing in Istiqomah housing uses an istiṣnā‘ contract, where istiṣnā’ is a form of sale and purchase contract that involves ordering the manufacture of goods. The housing developer provides a credit payment system without going through a bank, and this credit sale and purchase is allowed in sharia. The ruling on the sale and purchase of housing is permissible because it fulfils the pillars and conditions of the sale and purchase contract and does not contradict the Islamic Shariah. The implications of the research are expected to be a good reference for developers, consumers, and the community to always apply home sale and purchase financing in accordance with Islamic law.
Sharia Developer, Fiqh Muamalah, Istiqomah Housing
Copyright (c) 2024 Andi Dahmayanti, Munawara Munawara, Risdayani Risdayani, Rodhiyyah Nur Pratiwi
Pelanggaran terhadap Akad Mudarabah dalam Perspektif Fikih Mu’amalah (Studi Analisis Kaidah al-Hukmu Yadūru Ma’a ‘Illatihi Wujūdan wa ‘Adaman)
This study aims to determine the violation of the mudarabah contract in terms of the rules of the proposal of al-hukmu yadūru ma'a 'illatihi wujūdan wa 'adaman). This research uses a type of qualitative descriptive research using normative approach methods and sociological approaches. The results of the study found that violations of the mudarabah contract occur if the contract is not in accordance with the pillars, terms, and conditions that must be in the mudarabah contract, 'Illat in the mudarabah contract includes the perpetrator, the object of the transaction (capital, profit), and the contract (shighat). If the 'illat in the mudarabah contract does not exist, then the contract is haram. The implications of this research are expected to be a reference, reading material that is easy to understand, and become a positive reference material and information to the government entrepreneurs, and society in general.
Copyright (c) 2024 Saadal Jannah, Andi Dahmayanti, Windy Sulfiana
Menjual Murah Barang Dagang yang Menyelisihi Harga Pasar Menurut Tinjauan Hukum Islam (Studi Kasus di Pasar Tramo Kabupaten Maros)
This research aims to find out about the causal factors and laws for selling cheap commercial goods that differ from market prices according to Islamic law (Case Study at Tramo Market, Maros Regency). The type of research used in this research is field research with a case study approach. The research results show: 1) the main factor causing cheap sales of merchandise that occurs at Tramo Maros Market is based on an agreement between sellers and buyers who are both willing, however there are several other factors that influence some traders in selling their merchandise cheaply, including; willingness, compulsion, feelings of reluctance and shame, pressure because of the need for money and goods obtained without capital; and 2) a review of Islamic law regarding the cheap sale of merchandise at Tramo Maros Market is permissible (mubah), because apart from being based on willingness, it is also in accordance with the concept of buying and selling in Islam where the conditions for determining prices are fulfilled, namely in accordance with the principles of selling. buying and selling in Islam and market mechanisms in Islam and in accordance with the concept of fair prices in Islam and the buying and selling process carried out also meets the pillars and requirements in Islam, so that this buying and selling is legal.
selling, cheap, merchandise, Islamic law, Maros Regency
Copyright (c) 2024 Ahmad Syaripudin, Muhammad Ikhsan, Mujahid Al-Islam
Tinjauan Hukum Islam terhadap Penggunaan Voucer Gratis Ongkir di Shopeepay dalam Aplikasi Marketplace Shopee
This research aims to find out the law on free shipping vouchers on Shopeepay in the Shopee application from an Islamic legal perspective. This research uses a qualitative descriptive research method or library research which focuses on the study of manuscripts and texts, using a normative approach and a sociological approach. The results of the analysis show that the mechanism for free shipping vouchers on Shopeepay is by topping up or topping up your balance. Topping up Shopeepay funds can be done in several ways, including: via bank transfer, ATM, Alfamart and Indomaret. Shopeepay top up can be done by clicking top up then selecting the desired top up payment method. After being reviewed and analyzed according to the perspective of Islamic law, free shipping vouchers on Shopeepay are permissible because the funds on Shopeepay are takyif as a sarf contract (exchanging money in paper form for electronic money) so in this case, the use of free shipping vouchers on Shopeepay in the Shopee application is permissible. . The implications of this research are First, Shopee users, especially Muslims who activate ShopeePay to fulfill their needs, are advised to be more careful in carrying out this transaction, as a Muslim you must know the contract you are making so as not to violate the Sharia. Second, Shopee is expected to also pay attention to the service features it already has, such as cashback, discounts, free shipping and other service features using Shopeepay based on sharia provisions.
Copyright (c) 2024 Rosmita, Farida Aprianti, Rahma Alia BS
Strategi Penguatan Industri Halal di Indonesia: Analisis SWOT
This research aims to analyze the internal (strengths and weaknesses) and external (opportunities and threats) factors that influence the halal industry in Indonesia and formulate appropriate strengthening strategies based on the results of the SWOT analysis. This research uses a mixed approach, or a combination of qualitative and quantitative methods (mixed method), in the form of an exploratory sequential design using the SWOT analysis technique. The research results show that the strength of Indonesia's halal industry lies in the largest Muslim population in the world, a wealth of natural resources, a strong understanding of Islamic culture, and increased consumer awareness of halal products. However, the halal industry also has weaknesses, such as underdeveloped infrastructure, intense local competition, problems with product quality and authenticity, and difficulties in accessing global markets. From the external side, there are great opportunities to enter international markets, develop innovative halal products, establish strategic partnerships, and take advantage of local market growth. However, the halal industry is also faced with the risk of changing consumer trends, global competition, and product quality problems. Therefore, strengthening strategies are needed in several main areas: increasing productivity and competitiveness, implementing and strengthening policies and regulations, and strengthening finance and infrastructure. Apart from that, efforts are also needed to increase brand awareness of halal products and public awareness about halalness.
Hukum Sponsorship Bersyarat Online Shop Buynana Chips Perspektif Fikih Muamalah
This research aims to determine the concept of conditional sponsorship cooperation in the Buynana Chips online shop and what the law is from a muamalah jurisprudence perspective. The formulation of the problem in this research is: first, what is the concept of conditional sponsorship activities in the Buynana Chips online shop; second, what is the legal review from the perspective of muamalah jurisprudence regarding conditional sponsorship activities at the Buynana Chips online shop. The type of research used is qualitative research, which focuses on field studies. Data collection was carried out by means of observation, interviews and documentation using normative and empirical approach methods. The research results found were as follows: first, the Buynana Chips online shop added several conditions to the sponsorship collaboration, including having to sell a certain amount of its products within two weeks and wages given only based on the number of products sold. The sponsor recipient must also bear the cost of shipping the goods. However, Buynana Chips usually bears a small portion of the shipping costs for the goods to be sent to the sponsor recipient. Fines if you are late in depositing funds to Buynana Chips and penalties for not depositing funds. Second, the conditional sponsorship law in the Buynana Chips online shop is permitted because the conditions are in line with the purpose of the contract, it is a community habit, there are benefits and there is also no coercion in this transaction. Except for the terms of fines which can result in usury transactions
muamalah, fiqh, sponsorship, conditional
Copyright (c) 2024 Nuraeni Novira, Sri Ujiana Putri, Anisa Indarwati Legimin
Hukum Pemakaian Sistem Pembayaran Shopee PayLater dalam Jual Beli Online Menurut Perspektif Fikih Muamalah
Shopee PayLater is an online buying and selling system that is paid in installments with the terms and conditions applied by Shopee. This research aims to find out how muamalah jurisprudence reviews the payment system using Shopee PayLater. This research is a qualitative descriptive research (library research) with a normative juridical approach method. The results of research on Shopee PayLater contracts including qarḍ contracts, namely Shopee PayLater electronic money loans for e-commerce, show that these loans are not permitted because they contain elements that are contrary to Islamic law, namely the element of usury. The implication of this research is that all parties, especially Shopee users, should pay more attention to the contracts used in transactions so as not to fall into contracts that contain prohibited elements in the Shari'a.
Payment System, Shopee PayLater, Fiqh Muamalah
Copyright (c) 2024 Andi Dahmayanti Muchtar, Syamsiah Nur, Miftahul Jannah
Penerapan Larangan Magrib sebagai Solusi Mengatasi Agency Problem dalam Akad Mudharabah
The mudharabah (profit sharing) agreement is a contract that is characteristic of sharia financial institutions. However, agency problems often occur in mudharabah contracts. This article discusses the prevention of mudharabah contract agency problems through the prohibition of maghrib (maisir, gharar, usury and falsehood). The aim is to provide alternative solutions in overcoming mudharabah contract agency problems. The research method used is qualitative literature with a descriptive approach. Primary and secondary data collected through orientation and exploration will be analyzed using inductive and deductive techniques. The results explain that potential agency problems can be reduced by implementing sunset prohibitions (maisir, gharar, usury and falsehood) in the mudharabah contract evaluation process. Both in management processes and financial reports, sunset analysis can be applied to detect or avoid information asymmetries.
Copyright (c) 2024 Ali Wardani, Wahyuddin Abdullah, Rika Dwi Ayu Parmitasasri
Hak Kepemilikan Kain Sisa Jahitan dalam Tinjauan Fikih Muamalah (Studi Kasus Malaabis Makassar)
This research aims to find out and understand how the ownership rights of leftover stitched fabric are in the Muamalat jurisprudence review. The problems that the author raises in this research are: first, what is the practice of owning stitched leftover fabric in Malaabis Makassar? Second, what is the background behind tailors using stitched leftover cloth? Third, what are the ownership rights of the remaining Makassar Malaabis stitched fabric in the Muamalat jurisprudence review? The method used is a qualitative research method, using a type of field research carried out at Malaabis Makassar, with data collection through observation, interviews and documentation. The research approaches used are theoretical, normative juridical and phenomenological approaches. The results of research in the field show that Malaabis Makassar does not return leftover stitched fabric and does not offer leftover stitched fabric to customers. In muamalat fiqh, the remaining stitched fabric is the perfect property (al-milku al-tam) of the orderer. The phenomenon of tailors not returning leftover sewing fabric occurs because tailors feel that the customer no longer needs their remaining stitching fabric, the customer doesn't care about the ownership rights of the remaining stitched fabric and the tailor does not disclose the remaining stitched fabric. A tailor who uses fabric left over from a customer can be said to be permissible, when it is clear that the customer is satisfied with it or by looking at the habits of the people who no longer need fabric left over from sewing. This research has implications for society in general, both tailors who do not return leftover stitched fabric and buyers who do not care about their stitched leftover fabric.
fabric, stitching, Malaabis Makassar, Muamalah Fiqh
Copyright (c) 2023 Rosmita Rosmita, Nuraeni Novira, Yumita Yumita, Nasaruddin Nasaruddin
Pelaksanaan Kerja Sama Musāqāh (Studi Komparatif antara Mazhab Syāfi’iyyah dan Ḥanafiyyah)
This study aims to find out and understand an overview of musāqāh cooperation according to the Syāfi'iyyah and Ḥanafiyyah Mazhab. The problems that researchers raise in this study are; First, what is the general overview of musāqāh cooperation according to the Syafi'iyyah and Ḥanafiyyah. Second, what is the ushul of the Syāfi'iyyah and Ḥanafiyyah Schools. Third, what are the similarities and differences in the opinions of the Syafi'iyyah and Ḥanafiyyah schools regarding musāqāh cooperation. This study uses descriptive qualitative (non-statistical) research, which focuses on the study of documents in the form of manuscripts and texts, using ushul fiqh (normative) and comparative approaches. The research results found are as follows; First, the Syafi'iyyah and Ḥanafiyyah muktamad (which are held) argue that musāqāh cooperation is valid with the conditions that apply. Second, the Syāfi'iyyah, namely Al-Qur'an, Sunnah, Ijmaq and Ḥanafiyyah, namely besides those mentioned Aqwal al-Ṣahābah, Qiyas, al-Istiḥsān, al-Furu' and cooperation musāqāh based on the hadith narrated by Imam Muslim of 'Abdullah ibn 'Umar about the land of Khaibar being leased to the Jews to manage it. Third, the similarities between the two are that they are permissible with certain conditions and are permanent or binding. The difference in this cooperation is in terms of object, in the Syāfi'iyyah School (Qaul Jadīd) it only makes dates and grapes and (Qaul Qadīm) details it, while the Ḥanafiyyah’s in all types of plants whether fruitful or not. The Syafi'iyyah requires the end of the musāqāh, while the Ḥanafiyyah does not make this happen.
cooperation, musāqāh, Syafi’iyyah, Hanafiyyah
Copyright (c) 2023 Sri Ujiana Putri, Siti Aisyah
Sistem Give and Get dalam Perspektif Fikih Muamalah
This research aims to determine the give and get negotiation system in buying and selling and its laws based on the muamalah fiqh perspective. The type of research used in this research is library research, with a juridical/normative approach. The research results show that the give and get negotiation system in buying and selling is a bargaining method that uses two transaction tricks, namely: 1) adding conditions; and 2) additional prizes/bonuses. In view of muamalah jurisprudence, the give and get negotiation system is permissible. Judging from the side/trick of adding conditions, this is considered permissible because it does not affect the validity of the contract and is not part of the three limiting conditions that damage the contract, such as if the conditions cancel the main purpose of the transaction, the existence of other contracts outside of buying and selling and the contract being dependent on something. which is not certain what happened. Meanwhile, looking at the aspect/trick of adding prizes/bonuses, this is deemed permissible, if it is appropriate and does not conflict with sharia rules. For example, the prizes given do not contain elements of gambling, they are not given by lottery where customers have to pay and then the money is collected and used as prizes, the prizes given must be halal and in accordance with what was promised, and the aim of consumers is to buy goods because they really need them.
negotiation, Give and Get, Muamalah Fiqh
Copyright (c) 2023 Khaerul Aqbar, Muhammad Akram Puang Endek, Azwar Azwar
Mekanisme Pembiayaan Syariah pada Baitul Māl wat Tamwīl (BMT) Amanah Kota Buton Tengah dalam Tinjauan Fikih Muamalah
This study aims to find out and understand the mechanism of sharia financing at the Baitul Māl wat Tamwīl (BMT) Amanah, Central Buton City in a review of muamalah fiqh. This research uses descriptive qualitative field research, using normative and sociological approaches. The research results found as follows; first, the sharia financing mechanism for BMT Amanah, namely; members must follow established procedures, such as; (1). The customer comes directly to the BMT office to submit a financing application, (2). The customer must include requirements such as a photocopy of husband and wife's KTP, family card, marriage certificate, and guarantee letter, (3). Files go to BMT, (4). Conducted surveys. Then the BMT conducts a survey analysis meeting, conducts contracts, disburses funds, conducts coaching (if deemed necessary by the customer) and confiscation of collateral if the customer is unable to pay his installment obligations and is in disagreement with the agreement of both parties. Second, the financing mechanism at BMT Amanah, when viewed from the fiqh muamalah, most of the mechanisms are appropriate because the pillars and conditions for the validity of the contract have been fulfilled. With an agreement between BMT Amanah and the customer and witnessed by witnesses from BMT and each party to carry out obligations according to the agreement. But the principle in the practice of bai' biṡaman ājil is that there are things that are not fully in accordance with the fiqh principles of muamalah, namely in the first model, the goods are not handed over to the BMT, but the goods are taken directly by the customer without first being handed over to the BMT. The implication of this research is that BMT Amanah should be more active in disseminating its products to the public, so that people are more familiar with BMT Amanah and are then interested in becoming its members.
mechanism, Baitul Mal wat Tamwil, Fiqh Muamlah, financing
Copyright (c) 2023 Saadal Jannah, Sri Ujiana Putri , Asma Asma
Kedudukan al-Tas‘īr al-Jabarī dalam Tinjauan Kaidah Yutaḥammal al-Ḍarar al-Khāṣ li Daf‘ al-Ḍarar al-‘Ām
This research aims to find out and understand the law and position of al-tas‘īr al-jabarī in reviewing the rules of yutaḥammal al-ḍarar al-khāṣ li daf‘i al-ḍarar al-‘ām. The type of research used is descriptive qualitative in the form of library research with a normative and sociological approach. The research results show that al-tas'īr al-jabarī is a government policy in the form of intervention to set certain prices for goods, food and services, which the public is obliged to comply with. Al-tas‘īr al-jabarī has different positions depending on market conditions. Under normal conditions, the al-tas‘īr al-jabarī policy is not needed so its position returns to its original law, namely that it cannot be carried out. However, in abnormal conditions, the al-tas'īr al-jabarī policy can be a solution so that it can be done to prevent al-ḍarar al-'ām which will befall a large number of people, even though it has to bear the al-ḍarar al-khāṣ which will befall certain individuals or groups as a result of al-tas'īr al-jabarī's policies.
Al-Tas‘īr al-Jabarī, al-Ḍarar al-Khāṣ, al-Ḍarar al-‘Ām
Copyright (c) 2023 Asnawati Patuti, Afia Hafizah, Aisyah Aisyah
Shopee PayLater Voucher pada Jual Beli Online dalam Perspektif Fikih Muamalah Kontemporer
This study aims to determine the law on the use of Shopee PayLater Vouchers in buying and selling online in a review of contemporary muamalah fiqh. This research is a qualitative descriptive research or literature review using juridical and normative approaches. In analyzing the data, researchers used content analysis (content analysis). The results of this study are that Shopee PayLater Vouchers may not be used or claimed illegally, because the prize comes from an unlawful contract (riba qarḍ) Shopee PayLater. The implication of this research is that the community, especially Muslims who use this application, can know and understand the views of the Shari'a regarding Shopee PayLater Vouchers so that the Muslim community will always prioritize the precautionary principle that comes from knowledge in using these Vouchers.
contemporary muamalah fiqh, Shopee PayLater Vouchers, buying and selling online
Copyright (c) 2023 Syamsiah Nur, Andi Dahmayanti, Miftahul Jannah
Tinjauan Hukum Islam terhadap Penerimaan Dana Corporate Social Responsibility (CSR) dari Bank Konvensional
This study aims to determine the nature of CSR and the law on the receipt and use of CSR funds in a review of Islamic law. The type of research used is descriptive qualitative (non-statistical) with a normative approach and library research methods. The results of the study show that CSR in an Islamic perspective is a business practice that has an Islamic ethical responsibility. The company incorporates Islamic religious norms which are marked by a sincere commitment to maintaining social contracts in its operations. Even though there is no limit to the amount of ownership of goods, services and profits, the ways to obtain and utilize them are limited by lawful and unlawful rules laid down by Shari'a. The view of Islamic law on receiving CSR funds from these conventional banks is detailed as follows. First, when viewed from the benefit in particular, leaving the funds/assistance provided and offered from these conventional banks, whether in the form of sweepstakes, prizes, or social responsibility programs, is better because it is something that comes from unlawful assets (usury). Second, however, if we look at the general benefits, it is permissible for us to take CSR assistance/funds from these conventional banks but not to use them for personal needs, namely to use them for public needs and benefits, such as for building bridges, repairing roads, making toilets. general, and so on.
CSR, usury, conventional bank, Islamic Law
Copyright (c) 2023 Hendra Wijaya, Sartini Lambajo, Dewi Indriani, Mutmainna Mutmainna
Arisan Kurban dalam Perspektif Hukum Islam
This study aims to provide clarity regarding the law on the implementation of the sacrificial arisan in the view of Islamic law. This research uses a qualitative approach with library research methods and descriptive analysis. The results of this study indicate that the opinion of the majority of scholars regarding the law of sacrificial worship is that sacrifice is not obligatory but is sunnah for those who can afford it. For people who are less able but have a great desire to get closer to Allah through the performance of sacrificial services, there is nothing wrong with following the arisan method which includes elements of debt and credit. With a note if there is a guarantee of the ability to pay it. The implementation of the sacrificial arisan which is carried out by some members of the community is legally permissible or permissible because it fulfills the terms and pillars of the contract. The implementation of the qurban gathering is a new problem in muamalah which did not exist before at the time of the prophets and companions and has not been mentioned in the Qur'an or hadith, so it is returned to the original law of a problem. It is permissible as long as there is no reason to forbid it. The qurban gathering carried out by some people has fulfilled the principles of muamamalah, namely the principle of mutual consent between all parties. In carrying out this sacrificial arisan, it brings many benefits to people who are less fortunate but have a great desire to carry out sacrificial worship in order to draw closer to Allah. Another benefit that is also found in the implementation of this sacrificial arisan is that it can be a means to get closer to Allah and to establish friendship between all members of the arisan group. Given the many benefits derived from the implementation of the sacrificial arisan.
Copyright (c) 2023 Rosmita Rosmita, Zulfiah Sam, Isra ‘Aini, Nasaruddin Nasaruddin