At-Ta'awun : Jurnal Mu'amalah dan Hukum Islam
At-Ta’awun: Jurnal Mu'amalah & Hukum Islam, published by Muamalat Research Centre of Department of Islamic Economic Law, Faculty of Sharia and Law, University of Science al-Qur’an Wonosobo. The subject covers textual and fieldwork studies with various perspectives of Islamic Economic Law, legal drafting of Islamic economic law. In the beginning the journal only served as a scholarly forum for the lecturers, professors, and students at the University of Science al-Qur’an. However, due to the later development, the journal has successfully invited scholars and researchers outside the University to contribute. Jurnal Mu'amalah & Hukum Islam is going to publish journals in June and December. Please submit your manuscript.
Murādif and Musytarak: Analysis of Semantic Ambiguity and Its Implications for Variations in the Interpretation of Islamic Law.
Differences in Islamic legal fatwas are commonly associated with varying methods of ijtihād, although legal interpretation begins with determining the meaning of legal texts. This study examines the influence of murādif (near-synonymy) and musytarak (lexical polysemy) on legal interpretation and explains the role of tarjīḥ in resolving semantic ambiguity. Using normative legal research with conceptual and uṣūl al-fiqh approaches, this study applies a descriptive-analytical method based on library research. The findings reveal that murādif and musytarak create multiple interpretive possibilities, while tarjīḥ functions as the methodological mechanism for selecting the strongest meaning according to the principles of uṣūl al-fiqh. Consequently, differences in fatwas should be understood as the result of a systematic interpretive process rather than contradictions within Islamic legal sources.
Copyright (c) 2026 habibi hattta http://creativecommons.org/licenses/by/4.0
Sistem Pengupahan Perjanjian Kerja di C.V. Habeha Multimedia Wonosobo
This study aims to analyze the wage system in employment agreements at CV Habeha Multimedia and examine its compliance with Islamic law. This research uses a field research method with a descriptive qualitative approach through interviews, observations, and documentation.The results show that the employment agreement has been made in written form and includes the rights and obligations of both parties. However, in practice, there are still delays in wage payments and wages that do not meet the applicable minimum standards.From the perspective of Islamic law, the wage system generally fulfills the pillars and requirements of ijarah (employment contract). However, delays in wage payments contradict the principles of justice and timeliness in Islam. Therefore, improvements are needed in the implementation of the wage system to ensure compliance with Sharia principles.
Copyright (c) 2026 tri hargi http://creativecommons.org/licenses/by/4.0
Uṣūl Fikih sebagai Metode Pengembangan Hukum Ekonomi Syariah: Analisis Implementasi Akad Istisna’
The practice of the istisna' contract in custom-made iron grille transactions represents a form of Islamic commercial dealing that has developed in response to community needs and local customs. This study aims to analyze the implementation of the istisna' contract in iron grille orders in Jlamprang Village, Wonosobo District, through the perspective of Islamic legal theory (uṣūl al-fiqh). This research employed a qualitative field research approach. Data were collected through observations, interviews, and documentation, and analyzed descriptively using the theories of 'urf (custom), maṣlaḥah mursalah (public interest), and sadd al-dharī'ah (blocking the means to harm). The findings indicate that transactions are generally conducted through verbal agreements, payments are commonly made after the work is completed, while technical specifications and completion schedules are largely determined based on established local customs. From the perspective of uṣūl al-fiqh, these practices are generally acceptable because they reflect valid custom ('urf ṣaḥīḥ) and provide benefits for the contracting parties. Nevertheless, potential legal risks remain due to unclear product specifications, uncertain completion deadlines, and post-contract price adjustments. Therefore, greater contractual clarity is required to ensure legal certainty, fairness, and conformity with the objectives of Islamic law
istisna' contract; uṣūl al-fiqh; 'urf; maṣlaḥah mursalah; sadd al-dharī'ah
Copyright (c) 2026 wisnu arif http://creativecommons.org/licenses/by/4.0
Ijārah Multijasa dalam Pembiayaan Umrah di Amitra Syariah Financing Banjarnegara
Amitra Syariah Financing is a sharia financial institution that provides Umrah financing based on DSN-MUI Fatwa No. 44/DSN-MUI/VIII/2004 concerning Multi-Service Ijārah. In practice, Amitra purchases Umrah packages from travel agencies and hands them over to customers with a minimum down payment of 15%, while the remainder is paid in installments over 12, 24, or 36 months. This study aims to analyze the conformity of Umrah financing practices with the Sharia principles in the fatwa. The study used a qualitative method with a field research approach through interviews, observations, and literature studies. The results show that Umrah financing at Amitra has fulfilled the pillars of the multi-service Ijārah contract, including the existence of contracting parties, service objects, sighat contract, and ujrah. However, the determination of ujrah based on the principal financing and the length of the installment tenor has the potential to contain elements of qardh and riba nasi’ah so that it is not fully in accordance with Sharia principles. The novelty of this research lies in its critical analysis of the ujrah (price) determination mechanism in multi-service ijarah-based umrah financing at non-bank Islamic financing institutions. The study's weakness is its limitation to a single research object, making the results unable to be broadly generalized to other Islamic financing institutions.
Copyright (c) 2026 Lutfi Ziddan Fahriza http://creativecommons.org/licenses/by/4.0
The Practice of Cooperation Agreements UMKM Enterprises on the Shopee Marketplace the Perspective of Sharia Economic Law
The core problem of this research is how Sharia Economic Law views the practice of cooperation agreements for Micro, Small and Medium Enterprises on the Shopee Marketplace. The aim of this research is to find out and examine the practice of cooperation agreements for Micro, Small and Medium Enterprises on the Shopee Marketplace in terms of sharia economic law.The type of research used is field research using a qualitative approach, namely describing phenomena that occur in the field according to existing reality. The research location is in Tanah Datar Regency. The primary data source that the author uses is through interviews with MSME actors in Parak Juar. The data collection technique is by conducting interviews and documentation. The data analysis technique that the researcher carried out was qualitative analysis in order to collect data sources related to the problem being studied. The cooperation agreement between MSMEs and the Shopee marketplace regulates the rights and obligations of both parties in running an online business, in the form of an obligatory agreement and subject to the Civil Code (KUHPerdata). MSMEs are obliged to provide products, maintain quality and arrange delivery of goods, while Shopee provides the platform, payment system and technical support. The contract used in this collaboration is the ijarah bi al-manfa'ah agreement, where Shopee leases digital platforms and services to MSMEs. In practice, although Shopee provides various facilities that support MSMEs, such as promotions and training, there are challenges related to transaction uncertainty, such as problems with products that do not match orders or delivery. This shows that even though this collaboration is permitted under sharia law, it is important to ensure that transactions are still carried out in accordance with sharia principles, by prioritizing honesty, transparency and fulfilling the obligations of each party.
MSMEs, Marketplace Shopee, sharia economic law
Copyright (c) 2026 Rahmi Nur Azizah, S.H http://creativecommons.org/licenses/by/4.0
Platform Capitalism: Di Mana Posisi Ekonomi Syariah dalam Distribusi Risiko Gig Economy?
The development of the digital economy has given rise to a new business model known as platform capitalism, namely an economic system based on digital platforms that connects service providers and consumers via algorithms. This model drives the growth of the gig economy, but also raises issues regarding the distribution of risk between platforms and workers. In practice, platforms tend to generate profits through transaction fees, whilst workers bear the operational costs, face income uncertainty, and have minimal social protection. This article aims to analyse the inequity in risk distribution within the gig economy and to propose a system based on Islamic economic law as an alternative model for risk distribution. The research employs a qualitative method with a conceptual and legal-normative approach. The research findings indicate that the current platform model is characterised by ‘risk shifting’, namely the transfer of business risks to workers. The principle of Profit and Loss Sharing (PLS) in Islamic economics, through the mudharabah and musyarakah contracts, offers a fairer risk distribution system as profits and losses are shared proportionally between the parties. Consequently, PLS has the potential to serve as a new regulatory framework for building a socially just digital economy.
Copyright (c) 2026 Musa Andika http://creativecommons.org/licenses/by/4.0
Konsep Properti, Kepemilikan, dan Kontrak: Studi Komprehensif dalam Hukum Ekonomi Syariah
The development of Islamic economics requires a comprehensive conceptual understanding of the legal foundations of muʿāmalāt to ensure that economic practices do not become confined to mere contractual formalism. This article aims to provide a comprehensive analysis of the concepts of wealth (al-māl), ownership (al-milkiyyah), and contracts, as well as their integrative relationship within the framework of Islamic economic law. The study employs a qualitative method with a normative–conceptual approach, drawing on a literature review of primary sources of Islamic law and relevant contemporary academic scholarship. The findings indicate that wealth in Islam is understood as a trust (amānah) encompassing economic, social, and moral dimensions; ownership functions as legal legitimacy for the utilization of wealth within Sharīʿa constraints and social responsibility; while contracts serve as legal instruments that lawfully and equitably connect wealth and ownership in a benefit-oriented manner. The study’s main contribution affirms that these three concepts are systemic and inseparable. Reducing contracts to mere formal agreements risks obscuring the objectives of maqāṣid al-sharīʿa. Therefore, the conceptual integration of wealth, ownership, and contracts constitutes an essential prerequisite for the development of Islamic economic practices that are not only legally compliant but also reflective of justice, ethical values, and social welfare in the contemporary economic context.
Properti; Kepemilikan; Kontrak; Hukum Ekonomi Syariah; Fiqh Muamalah
Copyright (c) 2025 Debby Triana Dewi Debby, Hafiza Astri Hafiza http://creativecommons.org/licenses/by/4.0
Konstruksi Hukum Kontrak Hybrid Pada Asuransi Syariah di Indonesia
Akad merupakan dasar transaksi keuangan syariah, namun kompleksitas praktik modern mendorong penggunaan hybrid contract (al-‘uq ūd al murakkabah) yang memadukan dua atau lebih akad dalam satu produk, sebagaimana difatwakan DSN-MUI. Model hybrid seperti mujtami‘ah dan muta‘addidah digunakan karena akad tunggal tidak lagi memadai untuk produk perbankan dan asuransi syariah. Penelitian ini adalah studi kepustakaan yang menelaah aspek normatif dan historis hukum terkait penerapan akad hybrid dalam asuransi syariah. Akad hybrid (al-‘uqud al-murakkabah) adalah akad ganda yang memadukan lebih dari satu kontrak, terdiri dari lima jenis, dan menimbulkan perbedaan pendapat antara ulama yang membolehkan dan yang melarang. Namun kompleksitas kebutuhan mu‘amalah mendorong lahirnya berbagai produk berbasis akad hybrid, termasuk dalam asuransi syariah. Asuransi berasal dari kata Latin assecurare awal masuk ke dunia Islam abad ke-19 dan dianggap haram karena unsur gharar, maysir, riba, dan kezaliman. Kebutuhan akan perlindungan risiko kemudian mendorong lahirnya asuransi syariah (takaful) yang menghilangkan unsur terlarang tersebut. Keabsahan akad hybrid dalam asuransi syariah dapat dinilai dengan meneliti unsur-unsur akad dan proses transaksinya, dan berdasarkan lima batasan akad hybrid yang dibolehkan menurut Al-Imrani, produk asuransi syariah dinilai sah digunakan oleh umat Islam.
Copyright (c) 2025 Musa Andika http://creativecommons.org/licenses/by/4.0
Marriage Agreements Following Constitutional Court Decision Number 69/PUU/XII/2015: Normative Implications for the Protection of Joint Property
The Constitutional Court Decision No. 69/PUU-XII/2015 marked a significant legal reform in Indonesia’s marriage law by amending Article 29 of Law No. 1 of 1974 concerning Marriage, which previously restricted the making of prenuptial agreements to before or at the time of marriage. Following this decision, spouses are now permitted to create or amend marital agreements during the course of their marriage. This study aims to examine the normative implications of this ruling, particularly in relation to the protection and management of joint marital property. Using a normative juridical method with statutory and conceptual approaches, this research analyzes how the decision reshapes the legal framework governing marital property arrangements and enhances the protection of individual and joint ownership rights within marriage. The findings reveal that the Constitutional Court’s interpretation expands the legal meaning of marital agreements, providing greater flexibility and legal certainty for married couples in managing their assets. Nevertheless, challenges remain in its practical implementation, particularly concerning the registration process, the recognition of third-party rights, and the potential emergence of legal uncertainty if not properly regulated. Therefore, additional technical and procedural guidelines are necessary to ensure that the objectives of fairness, legal certainty, and protection of property rights can be effectively realized in accordance with the spirit of the Constitutional Court’s decision.
Copyright (c) 2025 Maya Duwi Ayunda, M. Asrafil, M. Iqbal Maulana Putra, Fery Adi Alwiyon, Asrizal Saiin http://creativecommons.org/licenses/by/4.0
PENERAPAN AKAD IJARAH PADA PELAYANAN UMRAH PERSPEKTIF FATWA DSN-MUI
This study aims to understand how the Ijarah contract is implemented in Umrah services at PT Al Fajr Travelindo Wonosobo branch based on the DSN-MUI fatwa No. 112/DSN-MUI/IX/2017 concerning the Ijarah Contract. This research approach is qualitative based on field research. Primary data was obtained through observation and interviews with stakeholders. Data analysis was carried out using a descriptive method to describe the practice of implementing the Ijarah contract in Umrah services in the view of the DSN-MUI fatwa. The research findings reveal that the implementation of the Ijarah Contract at PT Al Fajr Travelindo Wonosobo Branch is in accordance with the DSN-MUI Fatwa both in terms of the form of the contract, pillars and conditions consisting of aspects of shighat, 'aqidain, ujrah, manfaah, and other important aspects in the Ijarah contract, namely time and the work of the ajir. However, transparency regarding additional costs needs to be explained from the outset to avoid elements of gharar (unlawful belief), which could undermine the validity of the contract.
Copyright (c) 2025 laila rizki http://creativecommons.org/licenses/by/4.0
Comparative Analysis of the Effectiveness of Zakat and Government Programs in Reducing Poverty in Indonesia
The issue of poverty in Indonesia is a multidimensional challenge that requires a comprehensive approach to address it. This research aims to answer this problem by comparing the effectiveness of zakat and government programs in Indonesia's context of poverty reduction. The method used in this research is a qualitative and quantitative approach with comparative analysis to compare the effectiveness of zakat and government programs involving data triangulation to reduce bias and increase confidence in the research results. The results show that zakat has great potential in alleviating poverty and supporting sustainable socio-economic development in Indonesia. Through efficient management and collaboration with government programs, zakat can improve people's welfare and reduce inequality. Integrating zakat and the state budget expands the intervention scope, including empowering low-income people through training, education, and business development. The synergy between zakat and government programs, strengthened by coordination and inclusive approach, can contribute significantly to creating a prosperous and poverty-free society. This is the concept of maqāṣid asy-syarīah, which aims to achieve the welfare of humanity in both worldly and ukhrawi aspects.
Zakat Effectiveness; Poverty Alleviation; Social Development
Copyright (c) 2025 Suud Sarim Karimullah http://creativecommons.org/licenses/by/4.0
Hak-Hak Perempuan dalam Lensa Pemikiran Progresif K.H. Husein Muhammad
This research aims to answer the behaviors that are still mesdiscrimination of women, especially in women's rights that take one of the thoughts of Indonesian feminist figures, KH Husein Muhammad. First, how are women's rights in the view of Islam. Second, how does KH Husein Muhammad think about women's rights in Islam using the theory of gender equality. The method used in this research is qualitative with a descriptive approach that is library research. The data obtained in this study are from books by KH Husein Muhammad as well as interviews with him and there are also supporting sources in the form of articles or previous research that are not much different from the discussion of women's rights. In the perspective of gender equality theory, according to KH Husein Muhammad, women and men have the same potential so that women and men can get the same rights. Women are also not always inferior to men, be it in terms of reason, ability, courage, and so on. And women also have the right to refuse their husband's wishes if it could be dangerous or will have a bad impact on themselves with reasons allowed by religion
Copyright (c) 2025 Ratna Wahidatunnisa, rohatun Nihayah,
Sistem Paylater dalam Transaksi Digital dan Implikasinya terhadap Hukum Fikih Muamalah Kontemporer
This study aims to analyze the impact of the paylater system on the dynamics of digital transactions in Indonesia and to examine its legal status from the perspective of contemporary Islamic commercial jurisprudence (fiqh al-mu’āmalāt). Employing a qualitative research design grounded in library research, this study draws upon academic literature, official financial institution reports, and relevant Islamic legal sources. The findings reveal that the paylater system has transformed consumer behavior in Indonesia—from prudence-based spending to a consumption pattern driven by instant credit access. While it contributes to financial inclusion, particularly for populations underserved by formal financial institutions, the system also poses significant risks of consumer debt, especially among youth with low financial literacy. From the perspective of fiqh al-mu’āmalāt, paylater schemes are categorized under deferred payment sales contracts (al-bay’u bi thaman ājil), which are permissible provided that contractual conditions are met. However, in digital practice, these schemes often involve elements of gharar (uncertainty) due to the lack of clear information and the potential for riba (usury) stemming from unauthorized interest and penalty mechanisms. Furthermore, the hybrid nature of these contracts—combining elements of loans, sales, and services—introduces additional legal complexities. Therefore, the paylater system must be restructured in accordance with the principles of justice, transparency, and consumer protection, aligning with the objectives of Islamic law (maqāṣid al-sharī’ah). These findings underscore the urgency of implementing sharia-compliant oversight in digital financial services and enhancing consumer literacy as a necessary adaptation of Islamic jurisprudence to the evolving digital economy.
Paylater System; Digital Transactions; Islamic Commercial Law; Indonesia
Copyright (c) 2025 Haerunnisa Haerunnisa, Arif Sugitanata http://creativecommons.org/licenses/by/4.0
Fikih maṣlaḥah atas Perubahan Fungsi Lahan: Dari Pertanian Menjadi Kawasan Wisata di Kab. Wonosobo
This article discusses the conversion of agricultural land into a tourist area from the perspective of maslahah mursalah. The qualitative method and the type of research used is field research using an empirical legal approach. The results of the study of the conversion of agricultural land into a tourist attraction in Damarkasiyan Village, which was started in 2015 by local youth, have had a positive economic impact: increased employment, community income, and diversifica-tion of income sources, along with the high value of land rent in the non-agricultural sector. The benefits obtained by the community as a whole are greater, so that this land conversion can be considered in accordance with the principle of maslahah mursalah, which emphasizes universal benefits.
Land Conversion, Agriculture, Maslahah Murlah Tourism
Fikih Ekonomi Nelayan: Studi Desa Gempolsewu Kabupaten Kendal Jawa Tengah
This article examines the sharing of fish catches in Gempolsewu Village, Kendal Regency, in practice facing challenges of transparency, injustice in the distribution of results, which has the potential to harm one party. By using the empirical normative method. This study found that cooperation between fishermen and ship owners in Gempolsewu Village was carried out through a verbal agreement based on local traditions. This practice resembles the muḍārābah muṭlāqah contract, where ship owners provide capital and fishermen manage the business. This distribution of results is not fully in line with the principles of mu'āmālah fiqh, related to a clear agreement on profit sharing. In general, the distribution of results is 60% for fishermen and 40% for ship owners.
Profit Sharing, Fishermen, Sharia Economic Law, Muḍārabah
Kritik Wacana atas Transformasi Maqāṣid al-Syarī’ah dalam Studi Islam Kontemporer
The resurgence of Maqāṣid al-Sharī’ah discourse in contemporary Islamic studies is often positioned as a flexible bridge between divine values and the aspirations of modernity. It is hailed as an ethical framework capable of harmonizing Islamic legal tradition with the principles of social justice, human rights, and democracy. However, behind this euphoria lies a critical issue concerning how Maqāṣid is produced, claimed, and disseminated as a discourse imbued with various interests. This study aims to deconstruct the discourse of Maqāṣid in recent Islamic scholarship by tracing its shift from a normative analytical tool to an ideological instrument that often blurs the line between interpretation and political legitimization. This research was conducted through a literature study employing a descriptive-analytical-exploratory qualitative approach, utilizing Norman Fairclough’s Critical Discourse Analysis (CDA) as the analytical framework. The findings reveal that Maqāṣid is utilized not only to interpret Islamic law but also to reframe social reality through normative narratives that appear universal yet carry specific ideological underpinnings. In academic practice, it has evolved into an epistemic commodity that affirms liberal agendas without necessarily adhering to the rigorous methodologies of Islamic scholarship. In the political sphere, it functions as a rhetorical ornament of the nation-state to gain ethical legitimacy for policies that may not reflect the substantive values of Sharī’ah. Through the lens of CDA, this study positions Maqāṣid not merely as an interpretive tool but as a discursive practice that reflects power relations in the production of contemporary Islamic knowledge. Thus, this research offers not only a critique of the Maqāṣid euphoria but also calls for the restoration of a more reflective, open, and historically conscious discursive space in the development of an honest and resilient Islamic epistemology.
Transformasi; Maqāṣid al-Syarī’ah; Studi Islam; Critical Discourse Analysis
Pembaharuan Hukum Islam Via Keterbukaan Landasan Filosofis: Ontologis, Epistemologis, Dan Aksiologis
Updating Islamic law is essential to adapt to current social changes, given the limited coverage of the Prophet's holy books and hadith. This study seeks to investigate changes in Islamic law using the concepts of form, knowledge and values. The method used is a review by reading many books, magazine articles and science papers. These findings show that the philosophical foundation of sharia originates from principles revealed by God, but still maintains its adaptability to the ever-evolving societal and cultural environment. 'The epistemological view emphasizes important sources such as the Koran and Hadith as well as current strategies including maqasid sharia and maslahat.' Simultaneously, the ethical foundation emphasizes the incorporation of moral values, justice and societal welfare throughout the application of Sharia law, particularly in addressing contemporary issues such as gender equality, individual rights, and ecological conservation. This study finds that updating Sharia through a comprehensive philosophical perspective allows the fatwa to remain relevant and applicable to contemporary progress while maintaining religious-based principles. Conversations among clerics, religious leaders, and local gatherings play an important role in this thinking.
Renewal; Islamic Law; Philosophical Foundations.
Copyright (c) 2024 Athallah Keisa Efendi
Konstruksi Nalar Hukum Fatwa Pemboikotan Produk Terafiliasi Israel di Indonesia
This article focuses on the issue of the Indonesian Ulema Council’s (MUI) fatwa regarding boycotting products affiliated with Israel, with a focus on the epistemological construction of MUI fatwa No. 83 of 2023. To answer this problem, this article uses the theory of ijtihād. Considering that the type of research is literature with the data source being MUI fatwa 83 2023, then it is analyzed using descriptive analysis. From the results of this research, it can be concluded that the fatwa is a form of Indonesia’s support for the Palestinian struggle, one of which is an appeal to boycott products affiliated with Israel. In deciding this Fatwa, the MUI used the reasoning of Bayānī, Ta’līlī, and Iṣtislaḥī.
Vote Buying Pada Pemilihan Duta Genre Perspektif Hukum Islam
This research aims to find out the problems that occurred in the Wonosobo Regency GenRe Ambassador competition. The research method used in this study is field research, with qualitative data analysis. The results of this research show that the vote buying system in the Wonosobo Regency GenRe Ambassador competition uses money as a voting tool, where each person pays Rp. 1000 via QRIS to provide support. From the perspective of Islamic law, the use of money in voting is only a means of support and there is no explicit argument that forbids or allows it. Based on the muamalah principle "The original law in muamalah is permissibility until there is an argument that shows it is forbidden", then vote buying in this election finds its relevance in the legal context of fiqh.
Vote Buying, GenRe Ambassador selection, Islamic Law
Pembiayaan Qardul Hasan Prespektif Fatwa DSN MUI Nomor 19/DSN-MUI/IV/2001
Pembiayaan qardul hasan merupakan orientasi fungsi Baitul Maal wat Tamwil sebagai lembaga sosial. Qardul hasan adalah suatu pinjaman lunak yang diberikan atas dasar kewajiban sosial semata. Dalam hal ini peminjam tidak dituntut untuk mengembalikan apapun kecuali sejumlah yang dipinjamnya. Dalam pembiayaan ini terdapat rukun dan syarat yang harus terpenuhi yaitu pelaku akad yang terdiri dari muqtarid (peminjam), muqrid (pemberi pinjaman), qard (dana), dan shigat yaitu ijab dan qabul kerelaan kedua belah pihak dan dana digunakan untuk sesuatu yang bermanfaat dan halal. Tujuan penelitian ini adalah untuk mengetahui implementasi pembiayaan qardul hasan di BMT Artha Salam Banjarnegara. Metode penelitian ini menggunakan pendekatan kualitatif. Teknik pengumpulan data melalui observasi, wawancara dan dokumentasi, dilanjutkan analisis data menggunakan model Miles dan Huberman. Hasil penelitian menunjukkan bahwa implementasi pembiayaan qardul hasan dilakukan dengan pengisian formulir yang melampirkan fotokopi KTP (suami istri), fotokopi KK dan surat nikah. Setelah itu, pihak BMT Artha Salam melakukan penilaian anggota pembiayaan qardul hasan dengan menggunakan analisis 5C yaitu character, chapacity, capital, collateral, dan condition of economy. Selanjutnya dana yang diajukan akan cair setelah kurang lebih 3 hari dan pengembalian dana pinjaman dilakukan sebulan sekali. Penerapan pembiayaan qardul hasan belum sesuai dengan Fatwa DSN MUI karena sasaran pendistribusian hanya disalurkan kepada pegawai BMT Artha Salam Banjarnegara saja, meskipun tidak melanggar syariat Islam.
Copyright (c) 2024 Mila Fursiana Salma Musfiroh
Membumikan Fikih Flexi-Parenting Sebagai Suatu Pendekatan dalam Pengasuhan Anak di Era Modern
Penelitian ini mengkaji konsep "Fikih Flexi-Parenting" sebagai solusi adaptif untuk tantangan pengasuhan anak di era modern yang dikarakterisasi oleh dinamika sosial, teknologi, dan ekonomi yang cepat berubah. Fikih Flexi-Parenting, yang mengintegrasikan nilai-nilai Islam dengan pendekatan pengasuhan kontemporer, bertujuan untuk menciptakan keseimbangan antara pemenuhan kebutuhan fisik, emosional, spiritual, dan intelektual anak, sambil mempertahankan nilai-nilai syariah. Melalui penelitian berbasis kepustakaan dengan jenis penelitian kualitatif dan memanfaatkan kerangka teori maqashid syariah sebagai pisau bedah analisis, penelitian ini berusaha mengeksplorasi bagaimana Fikih Flexi-Parenting dapat diterapkan dalam konteks keluarga muslim modern, dengan mempertimbangkan faktor-faktor seperti media digital, tekanan sosial, dan ekspektasi pendidikan. Hasil penelitian menunjukkan bahwa Fikih Flexi-Parenting menekankan pentingnya fleksibilitas dalam pengasuhan, mengakomodasi kebutuhan fisik, emosional, spiritual, dan intelektual anak, sambil diiringi dengan menjaga nilai-nilai syariah. Fikih Flexi-Parenting mengadvokasi keterlibatan kedua orang tua, pengintegrasian nilai-nilai Islam dalam aktivitas sehari-hari, dan pendukungannya terhadap pendidikan yang memfasilitasi perkembangan individu anak. Ini mendukung penciptaan lingkungan keluarga yang harmonis dan mendidik anak-anak dalam konteks yang memenuhi kebutuhan mereka serta sesuai dengan ajaran Islam. Selain itu, analisis maqashid syariah dari konsep ini menegaskan konsistensinya dengan pemeliharaan agama, jiwa, akal, keturunan, dan harta. Penelitian ini menawarkan perspektif baru dalam pendekatan pengasuhan anak, menggabungkan kearifan Islam tradisional dengan kebutuhan adaptasi terhadap perubahan zaman, sehingga mendukung pembentukan keluarga muslim yang harmonis dan dinamis.
Fikih, Flexi-Parenting, Pengasuhan, Anak, Modern
URGENSI INDEPENDENSI HAKIM PERSPEKTIF HUKUM ISLAM
The judge is the enforcer of the law in deciding all matters faced by the state. The position of a judge isa very important position for any country to grow, if law enforcement by a judge can proceed in accordance with the law and render justice to the people then the state will receive its share. The judge in carrying out his position as law enforcement is not only fixed to legislation legislation by the government, but there is an obligation for the judge to look into the legal values of the living community so that the decisions that society will receive are in accord with a sense of justice. In view of the importance of the role of the judge as well as the great effect of the office of judge, a judge must keep his freedom of judgment in judgment, for when an intervening judge then affects the ruling he renders would in no way be proper and illegal so that the determined justice would never be realized. The standard of the urgency of an independent judge became important to formulate, one through islamic law
Fikih Digital Milenial: Sistem Gacha Pada Game Online Efootball Champion Squads
In fulfilling their life needs, humans have relationships with other humans. Included in this is fulfilling entertainment needs. One of the means to fulfill entertainment needs in the current era is online games and many online games use the gacha system which is questionable in Islam. This research uses qualitative methods based on reality in the field. Primary data for this research was obtained from interviews with eFootball Champion Squads Game players. Secondary data was obtained from books and other sources related to this research. The data obtained from the field is then examined and analyzed and conclusions are drawn. The result of this research is that the gacha system used in the eFootball Champion Squads Game to obtain items violates the provisions of Islamic law because there are elements of gharar and maisir in obtaining items in the eFootball Champion Squads Game. In getting items, eFootball Champion Squads Game players have to determine their fate by participating in the game and the number and type of items they get are uncertain so players feel disadvantaged.
Pembiayaan Musyārakah Perspektif Fatwa DSN-MUI : Studi Di Kspps Melati Cabang Kertek Wonosobo
This research was conducted at KSPPS Melati Kertek Branch with the aim of finding out the implementation of the musyārakah financing agreement carried out by KSPPS Melati Kertek Branch and the suitability of the implementation of musyārakah financing with the DSN-MUI fatwa No.08/IV/2000 concerning musyārakah. The results of the discussion of this thesis show that the practice of musyārakah financing at KSPPS Melati Kertek Branch is in accordance with the DSN-MUI Fatwa in the aspect of ijab qobul, contracting parties, the object of the contract in the form of capital but is not in accordance with the aspect of profits and losses. Profit sharing or profit sharing at KSPPS Melati Kertek Branch is determined based on a percentage of the amount of financing and profit sharing has been determined at the beginning with a fixed nominal amount. On the other hand, KSPPS also takes advantage of the administrative costs, the larger the financing, the greater the administrative costs. Meanwhile, the distribution of losses is not based on the proportion of each individual's capital, which means it is not known how much capital the customer himself spent in his business.
NORMATIVE ANALYSIS OF CASH WAQF LINKED RETAIL SUKUK (CWLS RETAEL) OR CASH WAQF INVESTMENT IN STATE SUKUK
Waqf, as examined in various classical literature, has notably stringent conditions. Moreover, Cash Waqf Linked Sukuk Ritel (Cwls Ritel) or Investment in Cash Waqf Sukuk by the State is a relatively new form of waqf in the Islamic context. This has led to both support and opposition among contemporary scholars. The Indonesian Council of Ulama (Majelis Ulama Indonesia or MUI) addressed these perspectives through the National Sharia Council with number DSN-MUI/X/2019 on Wakaf Sukuk. However, the legitimacy of such waqf, based on normative Islamic studies guided by the Imams of the schools of thought, has not gained unanimous approval. The author draws personal conclusions based on the analysis of DSN MUI and the thoughts of the Imams. This research utilizes a literature review approach, characterized as descriptive-analytical and employing a normative framework. Classic works by the Imams and the Fatwa of DSN MUI on Wakaf Sukuk Ritel serve as the primary data sources. Data collection techniques involve observation and documentation, while data analysis utilizes data reduction, presentation, and drawing conclusions. According to the author's perspective, Cash Waqf Linked Sukuk Ritel (Cwls Ritel) or Investment in Cash Waqf Sukuk by the State is considered haram (forbidden) and should not be undertaken. This is because CWLS, as a waqf contract, should genuinely adhere to the waqf rules that have been in place since the time of the Prophet until now. CWLS itself involves two waqf contracts that seemingly contradict religious principles, namely waqf of money and temporal waqf.
Cash Waqf Linked Sukuk Ritel (CWLS Ritel)
BAI’ ISTIJROR PERSPEKTIF IMAM SYAFI’I DAN IMAM MA̅LIK DI DALAM KITAB AL-UMM DAN AL-MUWATTHA’
This article presents a comparison of two great imams in the world, namely Imam Syafi'i and Imam Malik, regarding bai' istijror. there are opinions, istinbat and also arguments related to the problem. Bai' istijror is taking an item that is purchased little by little over a period of time. The research results show that there are significant differences between the opinions of Imam Syafi'i and Malik. Imam Syafi'i said that bai' istijror should not be based on the evidence of the Koran and hadith. Meanwhile, Imam Malik said that bai’ istijror is permitted on the basis of istinbat from the Koran and hadith as well. Even though they both rely on the Al-Qur'an and hadith, the sources of the verses and hadith are different so their opinions are different.
Imam Syafi’i, Imam Ma̅lik, Bai’ Istijror
FIKIH MODERASI BERAGAMA PERSPEKTIF YUDIAN WAHYUDI
Penelitian ini bertujuan untuk menyelidiki pandangan Yudian Wahyudi tentang moderasi beragama dalam kaitannya dengan Indonesia. Isu moderasi beragama telah mendapatkan perhatian karena perubahan sosial, politik, dan ekonomi, yang merupakan upaya untuk menjembatani kesenjangan antara interpretasi agama tradisional dan nilai-nilai modern. Tokoh-tokoh seperti Lukman Hakim, KH Yahya Cholil Staquf, dan Gus Dur telah berperan penting dalam mempopulerkan isu moderasi beragama di Indonesia. Namun, Yudian Wahyudi, seorang cendekiawan Muslim yang juga telah membahas moderasi beragama, adalah subjek utama dari penelitian ini. Yudian Wahyudi telah memberikan kontribusi yang cukup besar dalam pemikiran Islam kontemporer melalui latar belakang akademis dan pendidikannya. Dengan mengumpulkan data primer dari buku-buku, artikel ilmiah, wawancara di media sosial, dan video wawancara dengan Yudian Wahyudi, penelitian ini menggunakan metode penelitian kepustakaan (library research). Analisis data kualitatif dilakukan dengan menggunakan pendekatan deskriptif-analitik. Temuan dari penelitian ini menunjukkan keyakinan Yudian Wahyudi bahwa kesetaraan dan keadilan harus didahulukan dalam moderasi beragama. Yudian Wahyudi mengatakan bahwa peradaban yang kuat dibangun di atas keharmonisan agama dan aspek-aspek kehidupan lainnya. Yudian Wahyudi menggunakan gagasan sikap moderat dalam kegiatan sehari-hari, seperti makan dan minum serta menjauhi ekstremisme, untuk menunjukkan moderasi beragama. Perspektif Yudian Wahyudi menekankan pentingnya memasukkan keadilan, kesetaraan, dan keseimbangan ke dalam kehidupan sehari-hari. Yudian Wahyudi mengatakan bahwa moderasi dalam beragama mencerminkan moderasi dalam semua bidang kehidupan manusia, bukan hanya agama. Oleh karena itu, filosofi Yudian Wahyudi menyoroti bahwa moderasi beragama diperlukan untuk menjalani kehidupan beragama yang damai dan harmonis.
Harmony, Religious Moderation, Yudian Wahyudi, Indonesia
Copyright (c) 2023 Arif Sugitanata, Lusia Nia Kurnianti
KONTEKSTUALSASI DALAM UPAYA PENETAPAN HUKUM ISLAM
In determining or exploring Islamic law, contextual methods can be studied through interpretation or in accordance with developments in science. Understanding Islamic law cannot be done only through the two approaches used by Schacht, namely the historical approach and social science, including legal sociology. However, a comprehensive approach is needed, including all approaches such as theology, philosophy, history and social sciences. Apart from that, a special approach is also needed towards maqāṣid syarī'ah.
Contextualization, Determination of Islamic Law, Social Affairs
Pendayagunaan ZIS Di Baznas Kabupaten Wonosobo Relevansinya Terhadap Program Sustainable Development Goals
BAZNAS Wonosobo Regency is a zakat management institution formed by the government, consisting of government and community elements whose scope of management is regarding planning, collection, utilization and control. Based on this scope, from the types of programs carried out by the way zakat works, it is inevitable that it has a clear slice of the objectives of achieving the Sustainable Development Goals (SDGs). This study resulted in the following conclusions. First, zakat management is an activity of planning, implementing and coordinating the collection, distribution and utilization of zakat, which aims to increase the effectiveness and efficiency of services in managing zakat and increasing the benefits of zakat to realize community welfare and poverty alleviation. Second, from the results of the discussion, there is the Wonosobo Regency BAZNAS program relevant to the SDGs, namely 7 Goals, 13 Targets and 16 Indicators namely No Poverty, No Hunger, Healthy and Prosperous Life, Quality Education, Clean Water and Proper Sanitation, Decent Work and Economic Growth, and Cities and Sustainable Settlements. And there is a sharia maqasid value in the Wonosobo Taqwa program which is not included in the SDGs program.
ZIS, Utilization, SDGs, Goals, BAZNAS Wonosobo Regency
Metode Penetapan Mustahiq Zakat Pada Mustahiq Center Baznas Kabupaten Wonosobo
This paper will analyze the method of determining mustahiq zakat through the mustahiq center at BAZNAS Wonosobo Regency. In this study the writer will use a qualitative approach with descriptive methods. The data source used is the method of determining mustahiq zakat through the mestahiq center used by the Wonosobo National Amil Zakat Agency (BAZNAS). The results of this study can be concluded that the National Amil Zakat Agency (BAZNAS) of Wonosobo Regency in determining mustahiq zakat by developing an integrated national Mustahiq database system (Mustahiq Data Center). This system is presented in an effort to sharpen the target of zakat recipients by utilizing existing poverty data in Wonosobo district.
Mustahiq Zakat Method, Mustahiq Center, BAZNAS