This study is about the role of rahn contracts in financing micro, small, and medium enterprises (MSMEs), which aims to increase the effectiveness of the use of rahn contracts in supporting access to sharia financing. The method used in this study is a descriptive qualitative approach through a study of relevant literature. The results of the study indicate that rahn contracts play a very important role in opening access to micro financing for MSME actors, especially through Islamic financial institutions such as Islamic pawnshops and Baitul Maal Wat Tamwil (BMT). In recent years, the use of rahn contracts has increased significantly because it is considered capable of providing fast, flexible financing solutions that are in accordance with the principles of justice and sharia. Rahn is an inclusive alternative for MSMEs that do not have fixed collateral and have difficulty accessing conventional financing.Keywords : Fiqh Muamalah, Islamic Finance, Microfinance, MSMEs, Rahn Contract

This study discusses the concept and online buying and selling transactions that comply with sharia principles. This study aims to analyze the validity of online buying and selling transactions based on the perspective of fiqh muamalah. This study uses qualitative descriptive and literature research methods by examining materials related to the Analysis of Online Shopping Transactions in the Perspective of Fiqh Muamalah and Sharia compliance. The results of the study indicate that online shopping transactions can be considered valid according to sharia if they meet four main requirements, namely the existence of the transacting parties, the existence of ijab and qabul, clarity of the object of the transaction, and a halal purpose. In addition, the principles of transparency, honesty, and freedom from usury and gharar are important requirements in maintaining the justice and validity of online buying and selling according to Islamic law.Keywords : Online buying and selling, Islamic jurisprudence, Sharia compliance, Transaction validity, Offer and acceptance

Business planning and business development are crucial steps to maintain business continuity and progress in a highly competitive market environment. Business planning refers to the systematic formulation of strategies to achieve a company's long-term growth goals. This includes identifying opportunities and challenges in the market, designing strategies for marketing and sales, human resource development, and innovation and technology analysis, and environmental sustainability management. The purpose of this planning is to produce clear and organized guidelines so that the company can achieve its long-term vision and objectives. The methodology used in this study is qualitative descriptive which aims to describe the phenomena surrounding business planning and development. This planning process is also important for detecting risks, improving operational efficiency, and ensuring business continuity in the future. 

Musyarakah Mutanaqisah (MMQ) is a form of sharia-based financing that offers a home ownership solution free from elements of interest (riba). This article aims to analyze the application of the MMQ contract in housing finance, compare it with the conventional mortgage scheme (Kredit Pemilikan Rumah/KPR), and evaluate its impact on community welfare. This study employs a descriptive qualitative approach through literature review of academic sources, regulations, and other relevant data. The analysis shows that MMQ is superior in terms of compliance with Islamic principles, fairness in risk sharing, and flexibility in payment structure. Furthermore, the MMQ scheme contributes to the improvement of social and economic well-being, particularly for the lower-middleincome segment of society. Nevertheless, its implementation still faces challenges such as the risk of default and the need for strengthened risk management systems. Therefore, collaboration between Islamic financial j, the government, and the public is essential to optimize the potential of MMQ as a fair and sustainable alternative for home financing

The implementation of Supply Chain Management (SCM) makes many businesses manage information, goods, services and money as good as possible so they can provide fast and high-quality services to customers. Therefore, this study aims to implement SCM in Kopi Bintang Salatiga SMEs to decrease production costs, increase revenue, improve operational efficiency and establish good relationships with customers. This study discusses the SCM process and the added value in Kopi Bintang Salatiga SMEs so in the future Kopi Bintang Salatiga SMEs can have good risk management and increase added value. The data was collected through literature study and interviewing the owner of Kopi Bintang Salatiga SMEs. This study found that weather, natural disasters, fires and coffee pests are the factors with the highest risk in the SCM process of Kopi Bintang Salatiga SMEs. The added value of farmers & post-harvest coffee processors of Kopi Bintang Salatiga Kopi Bintang Salatiga SMEs is already quite high at 99%, while at grade I coffee sales is 71% and grade II is 47% it appears that coffee with grade II has lower added value, so it is needing accuracy of coffee processing at farmers & post-harvest coffee processors so the grade I coffee product is increased.

The rapid growth of financial technology (fintech) has significantly supported the expansion of e-commerce. This literature review explores how fintech innovations—such as digital wallets, online payments, and digital lending—enhance transaction efficiency, increase consumer trust, and support small businesses in online markets. Findings indicate a strong synergy between fintech and e-commerce, though challenges remain in data security, regulation, and digital literacy. This study aims to provide a concise overview of fintech's role in driving digital economic growth.Keywords : fintech, e-commerce, digital payment, innovation, digital economy

This study analyzes the concept of profit margin determination in murabahah contracts from the perspective of fiqh muamalah. Murabahah, as a widely used financing instrument in Islamic financial institutions, often encounters controversy due to the practice of setting margins based on conventional interest benchmarks such as the BI Rate. This raises concerns about its compliance with sharia principles. Using a qualitative approach through literature review, the study examines classical and contemporary fiqh views, regulatory fatwas, and empirical findings on margin determination practices. The results show that while murabahah is legally valid under Islamic law, the current implementation in many institutions deviates from its original intent, particularly regarding transparency, fairness, and independence from riba-based benchmarks. The study recommends a cost-plus pricing model that incorporates real operational costs, transaction risk, and maqashid al-shari’ah considerations. It also emphasizes the need to enhance the role of Sharia Supervisory Boards and issue regulatory guidelines to ensure margin setting aligns with Islamic ethical standards. This research contributes to the discourse on aligning modern Islamic financial practices with the foundational values of justice, transparency, and public interest in Islamic economics.Keywords: fiqh muamalah, Islamic finance, margin, murabahah, sharia compliance

This study aims to explore the linkages between Sharia Financial Institutions (SHIs) and Micro, Small and Medium Enterprises (MSMEs) in improving financial inclusion in Indonesia. Using a descriptive qualitative method based on a literature review, this study found that LKS plays a vital role in offering financing based on sharia principles that are suitable for the nature of MSMEs. In addition, LKS also provides financial training, business guidance, and management and spiritual support. The approach of digitalization, utilization of Islamic social funds, and creation of local partnerships has proven successful in reaching MSMEs that are not yet connected to formal financial institutions. However, challenges such as low understanding of Islamic finance and the limited network of LKS are still obstacles in maximizing this synergy. Therefore, cooperation between the government, LKS, and MSME players is essential to build an inclusive and sustainable Islamic economic ecosystem.Keywords:  financial inclusion, Islamic financial institutions, Islamic financing, MSMEs

Micro, Small, and Medium Enterprises (MSMEs) are an important part of the Indonesian economy, but many MSMEs still have difficulty using technology and transforming into sharia-based businesses. This study aims to analyze how technological innovation, especially e-commerce, can help MSMEs adapt to sharia business principles. Using a qualitative approach and literature study, this study examines the literature on sharia e-commerce, digital innovation, and the development of MSMEs in the digital era. The results show that e-commerce has great potential to expand the market, increase efficiency, and support sharia transactions such as interest-free financing. In addition, cooperation between digital platforms and sharia financial institutions can strengthen the halal economy. However, challenges such as low digital literacy, lack of infrastructure, and competition from large companies still exist. Therefore, it is important for all parties to cooperate to encourage the digitalization of MSMEs in an inclusive manner and in accordance with Islamic values. Keywords : MSMEs, e-commerce, technology innovation, sharia business, digital transformation.

The transformation of the digital economy presents new challenges for the Islamic business law system, which is based on the principles of justice, transparency, and blessing. The dynamics of the digital economy, such as e-commerce, fintech, and blockchain, require the reconstruction of Islamic business law to remain relevant and responsive to contemporary developments. This study aims to analyze the necessity of reconstructing Islamic business law in response to the digital economy transformation, using a qualitative approach based on literature review. The findings reveal legal vacuums, a lack of specific regulations, and challenges in integrating Sharia principles into the digital ecosystem. Therefore, regulatory updates, the strengthening of Sharia economic legal literacy on social media, and innovation in digital economic fatwas are needed to build a fair, sustainable, and Sharia-compliant business ecosystem aligned with the maq??id al-shar?’ah.Keywords : digital economy, fintech Sharia, Islamic business, legal reconstruction, digital transformation.