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Miftah Anshari

Al-Furqan : Jurnal Agama, Sosial, dan Budaya 2025 Yayasan Maslahatul Ummah Ilal Jannah

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.

Ersa Trinanda; Nurhayati; Yenni Samri Juliati Nasution

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.

Natia Nurfaza; Cupian Cupian; Donny Hardiawan

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

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.

Adil Alfarizi Nst; Imsar Imsar

Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

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.  

Rudi Hartono I; Maisarah Maisarah; Pira Yulisman; Recy Fitrya Murni

Moral : Jurnal kajian Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

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.

Rudi Hartono I; Abdul Ikrom; Annisa Mardhatillah; Meizatul Hasanah; Muhammad Dzikrullah

Jurnal Budi Pekerti Agama Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

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.

Muchlisin Limbong; Rizqi Ramadhani; Putri Radifah Supardi; Nazwa Nadira Siregar; Muhammad Daffa Almuzaki +2 more

AL-MUSTAQBAL: Jurnal Agama Islam 2025 STIKes Ibnu Sina Ajibarang

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.   

Rhohis Kurniawan; Muhamad Zen

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

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.