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This scientific article comprehensively investigates the fundamental principles of Fiqh Muamalah governing Islamic economic transactions, focusing on three primary areas: sale (bay'), debt-financing (dayn), and leasing (ijarah). This research aims to analyze the Sharia conceptual framework underlying each contract, including its pillars, conditions, and legal implications, as well as to identify crucial prohibitions such as gharar (ambiguity), riba (interest/unlawful increment), and maysir (speculation). Furthermore, this article explores the relevance and challenges of applying these principles within the dynamic context of the modern economy, characterized by financial innovation, digital technology, and globalization. Through an in-depth literature study and a comparative analysis of classical and contemporary scholars' interpretations, this research examines how ethical Islamic principles such as justice ('adl), mutual consent (taradhi), and public interest (maslahah) can be integrated into current business practices. Selected case studies on e-commerce transactions, digital lending platforms, and technology-based leasing models are analyzed to illustrate the challenges and potential solutions in applying Fiqh Muamalah. This article concludes by offering a perspective on the importance of contextual reinterpretation and the innovation of Islamic financial products to ensure the relevance of Fiqh Muamalah in addressing global economic challenges while upholding Islamic values.

This study aims to analyze the comparison of features and data integration between two mobile banking applications by Bank Syariah Indonesia, namely BSI Mobile and BYOND by BSI, in enhancing banking transaction convenience. The research method employed is descriptive qualitative through a literature review from various relevant sources. The results show that BYOND by BSI adopts a more modern data integration system using microservices architecture and open APIs, thus providing better transaction convenience and security compared to BSI Mobile, which still relies on a centralized system. Innovative features such as biometric authentication, QRIS, and a more intuitive user interface further enhance the digital banking experience for customers. However, BYOND by BSI still faces performance challenges, particularly in transaction speed, as the application experiences delays (lag) in several features that may reduce user comfort. The study concludes that BYOND by BSI is superior in facilitating banking transactions compared to BSI Mobile. It is recommended that future research be conducted using a quantitative approach to directly evaluate user experience in a more comprehensive manner.

In ever-evolving era of e-commerce, the Cash on Delivery (COD) Check First feature implemented by Shopee provides a practical solution for consumers who want to ensure security while shopping online. This feature allows buyers to inspect the condition of the product directly before deciding to make a payment. With this feature, consumers can verify that the item received matches the description listed on the platform, thus reducing the risk of fraud or product discrepancies. The transaction security offered through this system is one of the key aspects in increasing consumer trust in e-commerce platforms. This research aims to examine how the COD Check First feature provides additional protection for consumers in e-commerce transactions, particularly concerning the potential risks of fraud or product discrepancies that are common in online trade. This feature gives buyers more control to ensure that the received goods meet their expectations and the product description. Therefore, COD Check First not only facilitates the transaction process but also strengthens consumer protection, making it a relevant mechanism to minimize buyer dissatisfaction in e-commerce, especially in Indonesia.

This study aims to fine out how Islamic Business Ethics is applied to buying and selling transaction in Prumdam market, Bengkulu City. The purpose of this study is to explore the understanding and application of Islamic Business Ethics among traders in Traditional markets. The main issue raised was the lack of understanding of traders regarding the principles of Islamic Business Ethics and the challenges they face. The study used a qualitative method with a descriptive approach, involving structured interviews with traders who had at least five years of experience in the Prumdam Morning Market. The results of the study show that some of the traders have understood the importance of honesty and Amanah in transactions, however there are some traders who are not effective in communicating the quality of the goods they sell, which reflects the lack of awareness of Islamic Business Ethics principles. Therefore, there is a need for better education and socialization to traders about Ethical values ​​which are the foundation in doing business.

Penelitian ini bertujuan untuk menganalisis implementasi dan efektivitas penggunaan HPAI Sales Integrated Sistem (HSIS) dalam pencatatan transaksi sederhana pada Business Center (BC) Halalmart HNI Sidoarjo 2. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus, mengumpulkan data melalui observasi langsung, wawancara semi-terstruktur dengan pengelola dan staf, serta analisis dokumen terkait penggunaan HSIS. Hasil penelitian menunjukkan bahwa implementasi HSIS memberikan dampak positif signifikan dalam meningkatkan efisiensi operasional, akurasi data, dan transparansi proses bisnis. Sistem ini terbukti user-friendly dan mudah diadaptasi oleh pengguna, dengan fitur-fitur terintegrasi yang mencakup pencatatan transaksi, manajemen inventaris, dan pelaporan real-time. HSIS berhasil mengotomatisasi proses pencatatan transaksi, mengurangi human error, dan memberikan dukungan yang kuat untuk pengambilan keputusan manajemen melalui fitur analytics dan reporting. Namun, penelitian juga mengidentifikasi beberapa tantangan, terutama ketergantungan tinggi pada konektivitas internet, kebutuhan pelatihan pengguna untuk fitur-fitur advance, dan perlunya adaptasi proses bisnis dari sistem manual ke digital. Kesimpulan penelitian menunjukkan bahwa HSIS efektif meningkatkan efisiensi waktu operasional dan kepuasan pelanggan, namun memerlukan langkah mitigasi untuk mengatasi tantangan teknis guna memastikan kontinuitas operasional yang optimal.

This study aims to enhance digital security literacy among Dompet Digital users. With the growing adoption of Dompet Digitals offering transactional convenience, digital security risks have also risen, especially among users with limited data protection awareness. The educational program focuses on introducing digital security risks, such as phishing, malware, and social engineering, along with providing protective strategies like two-factor authentication (2FA) and avoiding unsecured public Wi-Fi networks. The methods employed include socialization sessions, seminars, and workshops designed to build Dompet Digital users’ awareness in safeguarding their accounts. The program results indicate a significant increase in users' awareness and practical skills in identifying risks and implementing security measures. Additionally, users are expected to act as change agents, spreading this knowledge within their communities. Regular educational initiatives and collaboration with Dompet Digital providers are also recommended as ongoing steps to maintain digital security.

This study discusses criminal liability for perpetrators of online gambling crimes based on Law Number 19 of 2016 concerning Electronic Information and Transactions (ITE Law) from the perspective of Indonesian criminal law. The research employs a normative juridical approach with a case study method on Decision Number 628/PID.B/2023/PN Sleman. The defendant was proven to have knowingly distributed and disseminated links to online gambling sites via social media, as well as obtained financial gain from these activities. Based on the judge’s decision, the defendant was sentenced to 1 year and 8 months in prison and fined IDR 250,000,000. The results indicate that the application of Article 27 paragraph (2) in conjunction with Article 45 paragraph (2) of the ITE Law is in accordance with the principles of criminal liability, including the elements of fault (mens rea) and unlawful acts (actus reus). Nevertheless, challenges remain in law enforcement against online gambling, particularly regarding sites operating abroad and the low level of public legal awareness. The recommendations provided include a more comprehensive legal approach to enhance the effectiveness of combating online gambling in Indonesia.

The development of the digital economy in Indonesia drives the need for a transparent and efficient transaction system. Blockchain technology is present as a creative answer to this challenge, through distributed and unmodifiable transaction recording. This study uses a literature study method by reviewing various scientific literature related to the role of blockchain in increasing transparency and security of digital transactions. The results of the study state that blockchain can strengthen the digital economy ecosystem by increasing public trust, data protection, and operational efficiency, especially in the financial and MSME sectors. However, the implementation of this technology still faces obstacles such as limited regulations, infrastructure, and digital literacy. Therefore, this study recommends a strategy for developing a blockchain-based digital economy platform through a decentralized architecture approach, smart contract integration, digital identity protection, regulatory compliance, and public education.

This research aims to analyze Imam Abu Hanifah's thoughts on salam transactions from an Islamic legal perspective. A salam transaction is a form of sale recognized in Sharia, where payment is made in advance, while the goods are delivered at a later date. This research uses a literature review method with a descriptive analysis approach, examining primary and secondary sources related to Imam Abu Hanifah's thoughts on salam. The results of the research show that Imam Abu Hanifah paid special attention to the valid conditions of salam transactions, with the aim of protecting the rights of both parties and preventing disputes. His thoughts emphasize the importance of clear specifications of goods, delivery time, and price, as well as the prohibition of practices that contain elements of gharar (uncertainty).

This study discusses a legal analysis of the differences between criticism and defamation in Indonesian law, especially in the Criminal Code (KUHP) and Law Number 1 of 2024 concerning the Second Amendment to Law Number 11 of 2008 concerning Electronic Information and Transactions (UU ITE). The research method used is normative legal with a regulatory and contextual approach. The results of the study show that the Criminal Code and the ITE Law both provide protection for individual honor, but differ in the scope of application. The Criminal Code focuses more on conventional interactions, while the ITE Law regulates the electronic realm. Although it aims to protect the name well, the provisions in the ITE Law are considered to have weaknesses due to the potential for multiple interpretations that can threaten freedom of expression. Therefore, a proportional legal interpretation is needed to maintain a balance between protection of personal honor and respect for freedom.  

This study aims to analyze the impact of personal data protection on consumer satisfaction in online transactions in the marketplace. Along with increasing attention to privacy, consumers are increasingly demanding better data protection policies from marketplaces. This research uses a qualitative approach with in-depth interview techniques and content analysis of the privacy policies of several marketplaces in Indonesia. The results show that an effective data protection policy has a positive effect on the level of consumer satisfaction. The main influencing factors are policy transparency, consumer awareness, and their experience with personal data management. However, there is still a gap between existing policies and implementation in the field. Marketplaces that successfully manage personal data well can increase loyalty and competitiveness in an increasingly competitive market. The research also highlights the importance of educating consumers about their rights to personal data and the urgency for marketplaces to improve supervision and compliance with existing regulations. Overall, personal data protection not only fulfills legal obligations, but also becomes a differentiation strategy that increases consumer trust and strengthens marketplaces' position in the market.

Islamic economics has been practiced since the time of the Prophet Muhammad. However, at that time until several centuries later there was no special classification of disciplines for economics, causing several Muslim works to be lost. The role of scholars in this case is very influential in the sustainability of Islamic economics both in terms of theory and implementation. This journal aims to review the thoughts of Islamic economics from scholars, one of whom is Imam Abu Hanifah. By matching whether Imam Abu Hanifah's thoughts are still relevant and can be applied in the modern era. The method used is research with the study method used is library research. Where researchers use books, journals, periodical articles, yerbooks, bulletins, annual reviews, historical records, magazines, and newspapers as the main subject of their study. The results of this study are that Imam Abu Hanifah's thoughts on the salam contract are still relevant and can be implemented in the modern era. although not all sales and purchase contracts can use the salam contract method because there are several conditions that must be met in this contract.

This study aims to analyze the implications of business law on consumer protection in e-commerce transactions in Indonesia. The results of the study indicate that business law plays an important role in protecting consumers in e-commerce transactions. However, the effectiveness of existing laws and regulations is still questionable because there are still many cases of fraud and unfair business practices. Therefore, this study suggests the need for improvements to laws and regulations, increased consumer awareness, effective supervision, and cooperation between the government and business actors to improve consumer protection in e-commerce transactions in Indonesia.

The urgency of consumer protection in Sharia-compliant transactions has become increasingly prominent alongside the growth of the halal industry and rising public awareness of transactional justice based on Islamic principles. This study aims to formulate the theoretical and normative construction of consumer protection within the framework of Islamic law and to assess its compatibility with Indonesia’s positive legal system. Employing a normative juridical approach combined with a descriptive-analytical method, this research explores primary legal sources including Qur’anic verses, the hadiths of Prophet Muhammad (PBUH), and scholarly opinions found in classical and contemporary fiqh al-mu‘āmalāt literature, as well as secondary legal sources such as Law Number 8 of 1999 on Consumer Protection, fatwas of the National Sharia Council (DSN-MUI), and relevant academic literature. The analysis is conducted through content analysis to extract the values of justice, transparency, and balance of rights and obligations within contractual mechanisms. This study finds that core principles such as truthfulness (ṣidq), disclosure (bayān), and justice (‘adālah) constitute the essential foundation of consumer protection in the Islamic legal perspective. The prohibition of gharar (uncertainty), riba (usury), and tadlīs (fraudulent misrepresentation) is not merely a moral injunction but an integral safeguard mechanism for consumer rights. Furthermore, the institutional presence of supervisory bodies such as DSN-MUI and Sharia certification mechanisms has proven to be strategic, though they continue to face challenges in implementation, socialization, and consumer literacy. The findings also indicate a substantial opportunity for harmonizing Islamic legal principles with the national legal system within the framework of maqāṣid al-sharī‘ah. Therefore, this study recommends strengthening sectoral regulations based on Sharia principles, integrating fatwas into positive legal norms, and enhancing educational capacity for both business actors and consumers in order to realize ethical, equitable, and sustainable transactions.

Penelitian ini bertujuan untuk mengkaji bagaimana Pajak Pertambahan Nilai (PPN) dipungut di KJPP Sugianto Prasodjo dan Rekan Cabang Palembang, dengan fokus pada mekanisme penghitungan, pemungutan, dan pelaporan PPN atas jasa penilaian. Sebagai Pengusaha Kena Pajak (PKP), perusahaan diwajibkan untuk menerbitkan faktur pajak, menyetor PPN yang terutang, dan menyampaikan SPT Masa PPN sesuai dengan peraturan perpajakan, termasuk penerapan tarif PPN 11% sebagaimana diatur dalam Undang-Undang Harmonisasi Peraturan Perpajakan (UU HPP). Penelitian ini menggunakan pendekatan kualitatif deskriptif, memanfaatkan wawancara, observasi, dan analisis dokumen transaksi seperti kontrak, faktur, faktur pajak keluaran, dan laporan pajak. Metodologi ini bertujuan untuk memberikan pemahaman yang mendalam tentang proses administrasi perpajakan yang digunakan oleh perusahaan. Temuan penelitian menunjukkan bahwa perhitungan Dasar Pengenaan Pajak (DPP), penetapan PPN, dan pembuatan faktur pajak melalui aplikasi e-Faktur telah dilakukan sesuai dengan ketentuan yang berlaku. Selain itu, penyampaian SPT Masa PPN melalui DJP Online biasanya diselesaikan tepat waktu, sebelum tanggal 20 setiap bulannya. Namun, penelitian ini juga menemukan beberapa tantangan, termasuk inkonsistensi antara nilai kontrak dan faktur, keterlambatan pemrosesan faktur akibat penumpukan pekerjaan, dan kendala teknis pada sistem e-Faktur dan DJP Online. Secara umum, proses pemungutan PPN di KJPP telah berjalan efektif. Namun, perusahaan perlu meningkatkan akurasi administrasi, memastikan pencatatan yang konsisten, dan meningkatkan kompetensi tenaga kerjanya untuk mengurangi kemungkinan kesalahan.

This study explores the thoughts of Zaid bin Ali on credit transactions within the framework of economic justice in Islam. The research addresses key issues related to fairness, transparency, and ethical considerations in credit transactions, particularly in avoiding exploitation and ensuring mutual benefit. The study aims to analyze Zaid bin Ali’s perspectives on economic justice and their relevance to contemporary Islamic finance. Using a qualitative approach, this research employs library research methods by examining classical Islamic texts and scholarly interpretations. The findings reveal that Zaid bin Ali emphasized fairness in credit transactions by advocating for clear contractual terms, the prohibition of usury (riba), and the importance of ethical responsibility among transacting parties. His views align with the broader Islamic economic principles that seek to promote justice, balance, and social welfare. The study contributes to the discourse on Islamic economic thought by highlighting the relevance of classical Islamic perspectives in addressing modern financial issues. These findings can serve as a foundation for developing fairer and more ethical financial practices in contemporary Islamic banking and finance.

Penelitian ini bertujuan menganalisis peran kepemimpinan pegawai pada Dinas Kependudukan dan Pencatatan Sipil Kabupaten Musi Banyuasin.meskipun banyak studi telah mengkonfirmasi hubungan posistif antara kepemimpinan dan kinerja , masih terdapat kesenjangan kontekstual dimana implementasi dan dampak spesifik model kepemimpinan di instansi pelayanan publik daerah, terutama Dinas Kependudukan dan Pencatatan Sipil yang berhdapapan langsung dengan dinamika regulasi dan tuntutan digitalisasi (e-KTP,IKD), belum terungkap secara mendalam dan holistik. Penelitian kinerja kepemimpinan yang ada cenderung fokus mengunakan pendekatan Kualitatif. Kajian kepemimpinan terkini menunjukan paradigma dari kepemimpinan transaksional menuju kepemimpinan yang lebih humanis dan adaptif, yaitu kepemimpinan transformasional dan kepemimpinan pelayanan.kebaruan penelitian ini terletak pada pendekatan kualitatif mendalam untuk mengkorostuksi model peran kepemimpinan yang kontekstual dan spesifik di lingkungan Dinas kependudukan dan Pencatatan Sipil Kbaupaten Musi Banyuasin. Penelitian ini secara khusus mengidentifikasi peran kepemimpinan dalam meningkatkan kinerja pelayanan Publik Integritas , dan adaptasi Teknologi kedalam budaya kerja. Melalui wawancara mendalam, observasi ,dan studi dokumentasi ,ditemukan bahwa peran sentral pemimpin dalam menetapkan visi digital,memeberikan dukungan emosional, dan kuantitas layanan, yang berujung pada peningkatan Indeks Kepuasan Masyarakat (IKM).

Drivers who frequently experience fictitious orders face significant psychological impacts. Stress and frustration are common reactions when they have to face situations where they have used time and resources to respond to orders that are not taken or canceled without clear reasons. The research methodology used in this study is a qualitative approach with a case study method. The qualitative approach was chosen because it aims to understand in depth the legal impact of combining sales and purchase agreements and debts on fictitious online motorcycle taxi order transactions, especially from the perspective of online motorcycle taxi drivers. The case study method was chosen because it allows researchers to investigate in depth one particular case, namely online gofood drivers in Desa Tengah, Pancur Batu, who experienced financial losses due to fictitious orders. Based on the findings of this study, it can be concluded that fictitious orders in online motorcycle taxi services, as analyzed in the context of combining sales and purchase agreements and debts according to Islamic jurisprudence, have significant impacts both in terms of law and psychology. Legally, this practice violates the principle of a valid contract according to the fiqh of Al Masyqhul la Yusyghal, because it involves elements of fraud that are detrimental to drivers. Psychologically, drivers experience stress, frustration, and anxiety that have the potential to disrupt their overall well-being.

The land transfer process in Batam City requires a transfer permit from the Batam Supervisory Agency (BP Batam), considering that all land rights in the city are under the Land Management Rights (HPL) regulated by BP Batam based on Presidential Decree Number 41 of 1973. Land that falls into this category requires strict procedures and regulations, including the transfer of rights through a sale and purchase involving authorized parties. This study aims to identify weaknesses in regulations related to the transfer of joint assets, especially inherited land, through current sale and purchase. This study uses a normative juridical approach with a descriptive analysis of applicable laws and regulations, to explore issues related to the transfer of joint assets in the form of inherited land. The main focus of the study is to identify weaknesses in the regulations governing the transfer of rights to inherited land through sale and purchase transactions. The results of the study indicate that the regulations governing the transfer of joint assets in the form of inherited land through sale and purchase have several weaknesses that require attention. These weaknesses consist of three aspects: weaknesses in legal substance, weaknesses in legal structure, and weaknesses in legal culture. In terms of substance, existing regulations do not provide clear and firm provisions regarding the distribution of inherited land rights within the family. Meanwhile, in terms of legal structure, there is still a discrepancy between applicable regulations and current practices. Weaknesses in the legal culture include a lack of understanding and legal awareness in society regarding the transfer of joint property. Therefore, this study emphasizes the need for the state to play a role in protecting the legitimacy of joint property within families, particularly regarding the transfer of inherited land through sale and purchase in Batam City.  

This study explores the legal responsibilities of notaries in reporting suspicious financial transactions as part of implementing the Know Your Customer (KYC) Principle. As public officials, notaries are bound by confidentiality obligations; however, in the context of anti-money laundering and counter-terrorism financing efforts, they are also required to report suspicious activities. The research applies a normative juridical approach using qualitative methods that focus on legal document analysis. The findings indicate that the notary's reporting obligation does not violate the confidentiality principle, as it is protected by law through both preventive and repressive legal safeguards. Proper implementation of the KYC Principle and due diligence allows notaries to actively contribute to financial integrity while minimizing their legal risk.