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This study discusses the rules of al-masyaqqah tajlibu at-taysir as one of the rules of asasiyyah fiqhiyyah which has an important role in the formation and application of Islamic law. This rule emphasizes that the difficulties (masyaqqah) experienced by the mukallaf can be the reason for the provision of convenience (taysir) in the implementation of sharia law. This research aims to explain the concept of masyaqqah, the legal basis of the rules, the forms of rukhsah given by the sharia, and the limitations and exceptions of its application. The research method uses literature studies by analyzing fiqh literature, ushul fiqh, and relevant Islamic law sources. The results of the study show that the masyaqqah that can be the basis for legal leniency is not ordinary difficulties in worship and muamalah, but difficulties that exceed normal limits and have the potential to cause harm. The basis of this rule is found in the Qur'an and Hadith, which affirm that Allah desires ease and does not desire difficulties for His servants. In its application, masyaqqah is classified into three levels: light, medium, and severe, with different legal consequences. The forms of rukhsah include mandatory, sunnah, mubah, khilaf al-aula, and makruh according to the conditions. However, the application of this rule is not absolute because there are limits to remain in harmony with maqashid al-shari'ah. Thus, this rule is an important instrument in maintaining a balance between the demands of sharia and human capabilities.

Murabahah merupakan salah satu akad pembiayaan yang paling dominan diterapkan dalam sistem perbankan syariah di Indonesia. Akad ini pada dasarnya adalah jual beli dengan harga pokok yang diketahui oleh kedua belah pihak, ditambah dengan margin keuntungan yang disepakati. Namun, dalam praktiknya, penetapan margin dalam akad murabahah di perbankan syariah kerap menimbulkan pertanyaan mendasar dari perspektif fiqih muamalah, terutama terkait kemiripannya dengan mekanisme bunga (riba) dalam perbankan konvensional. Penelitian ini bertujuan untuk mengkaji dan menganalisis praktik penetapan margin murabahah di perbankan syariah melalui pendekatan fiqih muamalah, serta mengevaluasi kesesuaiannya dengan prinsip-prinsip syariat Islam. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan normatif-deskriptif, melalui studi kepustakaan terhadap sumber-sumber fikih klasik dan kontemporer, regulasi perbankan syariah, serta fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Hasil penelitian menunjukkan bahwa margin dalam akad murabahah secara prinsip diperbolehkan dalam Islam selama memenuhi rukun dan syarat jual beli yang sah, yakni adanya kejelasan harga pokok, transparansi margin, kesepakatan kedua pihak, dan tidak mengandung unsur gharar maupun riba. Namun, ditemukan sejumlah celah praktis yang perlu mendapat perhatian, di antaranya penggunaan suku bunga acuan sebagai basis penetapan margin, mekanisme denda keterlambatan, serta praktik murabahah tidak langsung (murabahah lil amri bisy-syira') yang belum sepenuhnya sesuai dengan standar fiqih muamalah. Penelitian ini merekomendasikan perlunya penguatan regulasi, peningkatan kompetensi sumber daya manusia perbankan syariah, serta pengawasan yang lebih ketat dari Dewan Pengawas Syariah guna memastikan implementasi akad murabahah yang benar-benar sesuai dengan maqashid syariah.

Cashback dapat menjadi strategi yang efektif untuk meningkatkan penjualan dan mempertahankan pelanggan. Namun, dalam konteks hukum ekonomi Islam, pertanyaan muncul mengenai keabsahan dan implementasi cashback dalam transaksi e-commerce Penelitian ini bertujuan untuk memberikan pemahaman yang mendalam tentang keabsahan konsep cashback dalam transaksi e-commerce dari perspektif hukum ekonomi Islam dengan pendekatan yuridis normatif. Analisis data dilakukan dengan mengkaji berbagai sumber seperti al-Qur'an beserta tafsir-tafsirnya, al-Sunnah dan Ijtihad. Hasil penelitian ini menyoroti poroti pentingnya penilaian cashback dalam transaksi e-commerce dengan mempertimbangkan prinsip-prinsip hukum ekonomi Islam. Diperolehnya. pemahaman yang lebih baik terkait kesesuaian praktik cashback dengan nilai-nilai syariah dapat membantu pemangku kepentingan dalam merancang strategi pemasaran yang sesuai dengan prinsip-prinsip hukum ekonomi Islam tanpa mengorbankan keberlanjutan bisnis. Studi ini memberikan kontribusi terhadap pemahaman lebih dalam mengenai interaksi antara prinsip hukum ekonomi Islam dan praktik bisnis dalam era e-commerce yang berkembang pesat.

Jual beli merupakan salah satu bentuk muamalah yang memiliki peran penting dalam kehidupan manusia sebagai sarana pemenuhan kebutuhan hidup. Dalam praktiknya, terdapat berbagai bentuk akad jual beli, salah satunya adalah jual beli mu'athah, yaitu transaksi yang dilakukan melalui serah terima barang dan harga tanpa adanya ucapan ijab dan qabul secara lisan. Praktik ini banyak ditemukan dalam transaksi modern, seperti di pasar swalayan, minimarket, dan perdagangan elektronik. Namun, keabsahan jual beli mu'athah menjadi perbincangan di kalangan ulama, khususnya dalam Mazhab Imam Syafi'i yang memberikan perhatian besar terhadap keberadaan sighat akad sebagai salah satu unsur penting dalam transaksi. Penelitian ini bertujuan untuk menganalisis hukum jual beli mu'athah dalam perspektif Mazhab Imam Syafi'i serta mengkaji relevansinya dengan praktik transaksi kontemporer. Metode penelitian yang digunakan adalah penelitian kepustakaan (library research) dengan pendekatan normatif melalui kajian terhadap kitab-kitab fiqih Syafi'iyyah, terutama Al-Umm, Al-Majmu' Syarh al-Muhadzdzab, dan Mughni al-Muhtaj, serta berbagai literatur fiqih muamalah lainnya. Hasil penelitian menunjukkan bahwa Imam Syafi'i dalam Al-Umm mensyaratkan adanya ijab dan qabul yang jelas sebagai bentuk manifestasi kerelaan para pihak dalam akad jual beli, sehingga jual beli mu'athah pada dasarnya tidak dianggap sah. Namun, perkembangan pemikiran ulama Syafi'iyyah muta'akhkhirin, seperti Imam al-Nawawi, memberikan kelonggaran dengan membolehkan jual beli mu'athah berdasarkan pertimbangan kebiasaan masyarakat ('urf) yang telah menunjukkan adanya kerelaan antara penjual dan pembeli. Dengan demikian, jual beli mu'athah dalam praktik modern dapat dipandang sah menurut pendapat yang lebih fleksibel dalam Mazhab Syafi'i selama memenuhi prinsip kerelaan, kejelasan objek transaksi, dan tidak mengandung unsur gharar maupun penipuan.

Perkembangan teknologi finansial telah melahirkan berbagai instrumen pembayaran digital, salah satunya e-wallet. Kemudahan yang ditawarkan e-wallet dalam kehidupan sehari-hari ternyata menyimpan pertanyaan mendasar yang belum banyak dikaji: apakah mekanisme akad dalam transaksi e-wallet telah sesuai dengan prinsip-prinsip syariah, khususnya akad wakalah dan ujrah? Artikel ini bertujuan menganalisis mekanisme akad e-wallet menggunakan kerangka wakalah pendelegasian kewenangan dari satu pihak kepada pihak lain untuk melaksanakan pekerjaan tertentu serta ujrah sebagai imbalan atas jasa yang diberikan. Penelitian ini menggunakan metode kualitatif-deskriptif dengan pendekatan library research, bersumber dari kitab fiqih klasik dan kontemporer, fatwa DSN-MUI, serta regulasi Bank Indonesia dan OJK. Hasil analisis menunjukkan bahwa mekanisme e-wallet memiliki kesesuaian struktural dengan akad wakalah bil ujrah, di mana penyedia layanan bertindak sebagai wakil yang dipercaya mengelola transaksi keuangan pengguna. Kompensasi berupa biaya administrasi dan komisi merchant dapat dikategorikan sebagai ujrah yang sah selama memenuhi syarat kejelasan jumlah, kejelasan pekerjaan, serta bebas dari unsur gharar dan riba. Namun demikian, fitur pinjaman berbunga dan ketidakjelasan pengelolaan dana float berpotensi menimbulkan persoalan syariah yang perlu dikaji lebih lanjut.

Perkembangan ekonomi digital yang pesat dalam melahirkan model bisnis baru yang sebelumnya tidak dikenal dalam tradisi fiqih klasik, di antaranya adalah affiliate marketing dan influencer ekonomi. Kedua praktik ini telah menjadi sumber penghasilan yang signifikan bagi jutaan individu di seluruh dunia, termasuk masyarakat Muslim Indonesia. Namun demikian, belum banyak kajian ilmiah yang secara mendalam menganalisis kedua fenomena tersebut dari perspektif fiqih muamalah kontemporer. penelitian ini bertujuan untuk mengidentifikasi elemen-elemen transaksi dalam affiliate marketing dan influencer ekonomi, kemudian mengevaluasi nya berdasarkan prinsip prinsip muamalah Islam khususnya agar Samsarah, ju’alah, ijarah, dan larangan gharar, maysir, serta tadlis. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kepustakaan yang bersumber dari literatur fiqih klasik, fatwa lembaga keagamaan, dan riset akademik kontemporer. Hasil penelitian menunjukkan bahwa praktik affiliate marketing pada dasarnya dapat di akomodasi oleh akad Samsara dan juga ju’alah, sepanjang memenuhi syarat kejelasan objek, kepastian imbalan, dan kejujuran dalam penyampaian informasi kepada konsumen. Sementara itu, influencer ekonomi mensyaratkan keterbukaan Dan kejujuran konten sebagai fondasi keabsahan, serta menghindari promosi produk yang diharamkan. Penelitian ini diharapkan dapat memberikan panduan normatif bagi praktis ekonomi digital muslim dan bahan pertimbangan bagi lembaga fatwa dalam merumuskan regulasi yang komperhensif.

This study aims to analyze and compare the concept of sale and purchase contract in Fathul Qorib and Fathul Mu’in as two important references in Islamic commercial jurisprudence within the Shafi‘i school. This research employs a qualitative approach using a library research method by examining literature relevant to the discussion of sale and purchase contracts. The findings show that both books view sale and purchase as a contract of exchanging property for property that results in the legal transfer of ownership. The validity of the contract is determined by the fulfillment of the pillars and requirements of sale and purchase, including the contracting parties, the sighat in the form of offer and acceptance, and the object of the transaction, which must be clear, lawful, beneficial, and deliverable. Fathul Qorib explains the concept of sale and purchase briefly and systematically, particularly regarding definitions, requirements of goods, prohibition of usury, khiyar, salam, rahn, and debts. Meanwhile, Fathul Mu’in provides a broader and more analytical explanation, covering the requirements of contracting parties, various forms of khiyar, prohibited transactions such as usury, ihtikar, and najasy, as well as disputes in sale and purchase. Thus, Fathul Qorib serves as a basic foundation, while Fathul Mu’in expands the discussion more applicatively. Both books complement each other in understanding sale and purchase contracts comprehensively.

Perkembangan financial technology melahirkan layanan Buy Now Pay Later (BNPL), salah satunya Shopee PayLater yang mendominasi pasar Indonesia dengan lebih dari 12 juta pengguna aktif. Namun, sistem ini menimbulkan pertanyaan serius terkait kesesuaiannya dengan prinsip fiqih muamalah, khususnya akad qardh dan larangan riba. Penelitian ini bertujuan menganalisis mekanisme transaksi Shopee PayLater serta mengidentifikasi ada tidaknya unsur riba dalam sistem tersebut. Metode yang digunakan adalah kualitatif dengan pendekatan kepustakaan (library research). Hasil penelitian menunjukkan bahwa bunga cicilan yang ditetapkan sejak awal akad termasuk kategori riba qardh, sedangkan denda keterlambatan 5% termasuk riba jahiliyah yang tidak memenuhi ketentuan Fatwa DSN-MUI Nomor 17/DSN-MUI/IX/2000. Pengecualian berlaku bagi pengguna yang membayar penuh tepat waktu. Disimpulkan bahwa Shopee PayLater secara struktural tidak sesuai dengan prinsip syariah, sehingga konsumen Muslim dianjurkan bersikap ihtiyath dan regulator didorong mengembangkan regulasi fintech berbasis syariah.

Perkembangan teknologi digital telah memunculkan berbagai model transaksi baru yang menuntut penyesuaian hukum Islam agar tetap relevan. Jual beli online merupakan salah satu bentuk muamalah kontemporer yang menimbulkan berbagai persoalan, seperti keabsahan akad, transparansi harga, kejelasan barang, dan potensi terjadinya penipuan. Dalam fiqih muamalah, keabsahan jual beli ditentukan oleh terpenuhinya rukun dan syarat akad, yaitu adanya pihak yang berakad, objek transaksi yang jelas, serta kesepakatan yang sah. Penelitian ini menggunakan metode kualitatif perpustakaan dengan tujuan menganalisis fiqih muamalah dalam praktik transaksi jual beli online menurut perspektif hukum Islam. Hasil kajian menunjukkan bahwa transaksi jual beli online dapat dinyatakan sah sepanjang memenuhi prinsip syariah, seperti keadilan, keterbukaan informasi, kejelasan barang, dan tidak mengandung unsur gharar, maysir, maupun riba. Dengan demikian, hukum Islam tidak menolak inovasi teknologi, selama substansi akad tetap sesuai syariat. Penelitian ini menegaskan bahwa fiqih muamalah mampu memberikan solusi praktis dan relevan dalam menjawab tantangan zaman.

Mini riset ini membahas kedudukan saham dalam perspektif Islam dengan menelaah konsep dasar, landasan hukum, pandangan ulama klasik dan kontemporer, serta implementasinya dalam pasar modal syariah di Indonesia. Penelitian dilakukan melalui metode studi pustaka dengan menggunakan makalah “Saham dalam Pandangan Islam” sebagai sumber primer dan literatur fiqih muamalah, fatwa DSN-MUI, serta regulasi OJK sebagai sumber sekunder. Hasil penelitian menunjukkan bahwa saham merupakan instrumen penyertaan modal yang diperbolehkan dalam Islam karena memiliki kesesuaian dengan akad syirkah, khususnya syirkah al-‘inān, selama perusahaan yang menerbitkannya bergerak dalam sektor yang halal, bebas dari riba, serta tidak mengandung unsur gharar maupun maysir. Landasan normatifnya merujuk pada ayat Al-Qur’an seperti QS. Al-Baqarah ayat 275 dan QS. An-Nisa ayat 29 yang menegaskan kehalalan transaksi dan larangan praktik batil. Pandangan ulama kontemporer seperti al-Qaradawi, Wahbah az-Zuhaili, dan Taqi Usmani memperkuat legalitas saham syariah dengan memberikan batasan agar sesuai ketentuan syariah. Implementasi saham syariah di Indonesia telah berjalan dengan baik melalui regulasi DSN-MUI, penerbitan Daftar Efek Syariah (DES), pembentukan indeks seperti JII dan ISSI, serta pengembangan Sistem Online Trading Syariah (SOTS). Mini riset ini menyimpulkan bahwa saham syariah tidak hanya menjadi instrumen investasi yang sah menurut syariat, tetapi juga sejalan dengan maqāṣid al-syarī‘ah dalam menjaga harta (ḥifẓ al-māl) dan mendorong distribusi ekonomi yang lebih adil di masyarakat.

This study analyzes the implementation of the murabahah contract in resolving Non-Performing Financing (NPF) for micro-enterprises through collateral auction at the Bank Syariah Indonesia (BSI) Ahmad Yani Branch Office, Area Bandung Raya. The primary objective is to analyze the conformity of the auction process with comprehensive Sharia principles (fiqih muamalah), particularly focusing on the final stage of debt resolution. Employing a qualitative-descriptive method, data was gathered through literature review and direct interviews with personnel from the bank's collection and recovery department. The findings indicate that the NPF resolution procedure is conducted systematically and ethically, beginning with warnings, mediation, and intensive restructuring efforts, such as rescheduling and reconditioning, in line with the spirit of ta'awun and Fatwa DSN MUI No. 48/2005. The auction is only performed as a final, likuidatif resort when the customer is non-cooperative or entirely unable to pay after all 3R attempts have failed. Crucially, the process generally aligns with positive regulations and Sharia provisions, including the transparent process of Muzayyadah through KPKNL. Key aspects of Sharia compliance include the bank's commitment to returning any surplus funds from the collateral sale directly to the customer, thereby avoiding ghulul (fraudulent gain), and the provision of the option to waive the remaining debt for customers deemed genuinely unable to fulfill their obligations, in line with Fatwa DSN MUI No 47/DSN-MUI/II/2005. This research provides practical insights for Islamic financial institutions on balancing effectiveness in debt resolution with the imperative of comprehensive Sharia compliance and ethical transactional justice.

This study employs a qualitative library research method with the aim of analyzing fiqh muamalah in the practice of online buying and selling transactions from the perspective of Islamic law and sharia. The development of digital technology has given rise to various new models of transactions that require Islamic law to remain adaptive and relevant. Online trade is one form of contemporary muamalah that raises several issues, such as the validity of contracts, price transparency, clarity of goods, and the potential for fraud. In fiqh muamalah, the validity of a sale and purchase contract is determined by the fulfillment of its pillars and conditions, namely the presence of contracting parties, a clearly defined object of transaction, and a legitimate agreement. The findings indicate that online buying and selling transactions are valid as long as they comply with sharia principles such as justice, transparency of information, clarity of goods, and the absence of gharar (uncertainty), maysir (gambling), or riba (usury). Thus, Islamic law does not reject technological innovation as long as the substance of the contract remains in line with sharia. This research emphasizes that fiqh muamalah is capable of providing practical and relevant solutions in addressing the challenges of the modern digital economy.  

This article aims to examine in depth the foundations of business ethics in Islam through the view of Fiqh Muamalah. Islamic business ethics is not only limited to the formal legal aspects of transactions, but also includes moral and spiritual dimensions derived from the Qur'an and Sunnah. Fiqh Muamalah is defined as a branch of jurisprudence that regulates social and economic interactions, offering a comprehensive framework for understanding and implementing ethical principles in business activities. The discussion in this article covers the fundamental principles of Islamic business ethics, its implementation in various aspects of business, and its relevance in the context of modern economics. Through an in-depth analysis, this article seeks to provide a comprehensive understanding of how Islamic values can be a solid foundation for fair, transparent, and responsible business practices.

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.

The application of fiqh in daily life is an important aspect of practicing Islamic teachings in a practical way. Fiqh, as a branch of Islamic knowledge that governs various aspects of life, not only covers ritual worship such as prayer and fasting but also includes muamalah (social transactions), food, clothing, and social ethics. This paper aims to examine how fiqh is applied in various daily life situations of Muslims, as well as the challenges and opportunities that arise in the process. Using a qualitative approach through literature review and interviews with fiqh practitioners, the study finds that despite variations in the application of fiqh due to differences in madhhab (schools of thought) and interpretations, most Muslims strive to implement fiqh teachings in a manner suited to the changing times and practical needs. The study also identifies that cultural factors, education, and access to information influence the understanding and implementation of fiqh in daily life. In conclusion, the application of fiqh in daily life is not only a religious obligation but also a moral and social guideline that can create harmony within society.   

As the times develop, there will be many new things that emerge because humans will continue to innovate in line with the development of human thought, so to compensate and keep humans from running or getting out of their nature, religion is present to provide binding rules. The writing of this journal aims to find out the rules of contemporary muamalah fiqh as well as to find out what the role of contemporary muamalah fiqh is in the development of sharia-based businesses. The research methodology used in this research is descriptive qualitative research using the library study method (library research) Data collection in this study using the library study method related to theoretical studies and several references that will not be separated from scientific literature. The results of this study are an introduction to contemporary muamalah fiqh such as understanding, scope, rules of fiqh and the object of study of contemporary muamalah fiqh, as well as the role of contemporary muamalah fiqh in sharia-based business development.

In the online buying and selling process, the seller becomes the name of the store and the buyer does not know the identity of the seller such as name, address, and even age. Buyers will only know from the name of the store selling the item. The concept of online buying and selling is that you only have information about the name and address of the store, but do not know who the owner of the store is. In the buying and selling process, the buyer chooses the product available in the store and if there are any questions about the product, they can ask the seller via chat. The seller then uses a robotic or human system to answer the buyer's questions. The second pillar and condition is ma'qud 'alaih or a medium of exchange and goods sold. The medium of exchange used in the buying and selling process, both online and offline, still uses the same tool, namely money. The purchase or payment process for online buying and selling can be done through bank transfer through the payment code number that has been ordered. The majority of online stores also offer a wider selection of different types of goods.

This study aims to develop and design the Blooket Game, Blooket is a website-based interactive learning platform in the form of a quiz game that functions as a learning media in class and can increase student learning interest in Fiqh Muamalah material as a learning media at Mts Hidayatul Muhajirin Palangka Raya. The method used is development research (R&D) with the Borg and Gall model, which includes ten stages but the researchers here only take four stages, namely: 1) Identification of Potential and Problems, 2) Data Collection, 3) Product Design, 4) Design Validation and researchers added one more stage, namely 5) Main Trial. So in this study there are five stages developed. The research subjects consisted of 30 students of class IX MTs Hidayatul Muhajirin. Data was collected through Google Forms given to students after the use of the media, as well as feedback on students' learning experiences in the classroom. The results showed that the use of Blooket educational game significantly increased students' interest in learning. With the average score of students' interest in learning before the use of the media was 50%, and increased to 90% after implementation in the classroom. In addition, students also showed higher enthusiasm in following the learning and actively participating in learning activities. This study concludes that Blooket educational game-based learning media can be an alt.

This research discusses the dissolution of marriage from the perspective of fiqh muamalah, focusing on the causes, processes, and impacts of divorce. Divorce, permitted in Islam as a last resort, is often triggered by incompatibility, economic factors, and family intervention. The aim of this study is to analyze the aspects of fiqh muamalah related to divorce, examine the emotional impact on children, and explore the role of counseling in preventing divorce. This research employs a qualitative approach using library research methods to examine the issues surrounding the dissolution of marriage within the framework of fiqh muamalah. The study emphasizes that a good understanding of the rights and responsibilities in marriage, along with the application of justice principles, is crucial for ensuring that the divorce process is more humane and offers new hope for all parties involved.

Hawalah is the concept of debt transfer in Islamic law which is increasingly relevant in the digital era through the application of technology in the financial sector, such as fintech platforms. This research aims to explore the understanding of hawalah, including its sharia principles, as well as its benefits and risks in the context of modern finance. This research uses a qualitative descriptive method through literature studies that examine classical Islamic legal texts as well as books and journals related to sharia economic law. The research results show that hawalah allows debt transfer with the principle of being free from usury and gharar, and has pillars that must be fulfilled by the three parties involved: muhil, muhal, and muhal alaih.