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All Journal Et-Tijarie: Jurnal Hukum dan Bisnis Syariah Al-Sharf: Jurnal Ekonomi Islam Hakam : Jurnal Kajian Hukum Islam dan Hukum Ekonomi Islam Nuris Journal of Education and Islamic Studies
Khoirun Nasik
Universitas Trunodjoyo Madura
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implementation of the Murabahah Agreement in Sharia Financial Institutions and a Review of Its Alleged Irregularities Moh. Habibun Nawafil; Fajar Fajar; Khoirun Nasik; Aliya Riza Adiba
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 2 (2026): Publication in progress
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i2.13236

Abstract

Murabahah contact is one of the most dominant products used in Islamic financial institutions because it is considered to have a relatively low level of risk and provides certainty of profit for financial institutions. However, the practice of murabahah in Islamic financial institutions often gives rise to various debates. Some parties consider the practice to be similar to the credit system in conventional banking. In addition, there are differences of opinion among scholars regarding the validity of several murabahah mechanisms, including the possibility of legal engineering.This study aims to analyze the concept of the murabahah contract from the perspective of fiqh muamalah using a library research method with a descriptive qualitative approach through the review of various literature sources such as the Qur'an, hadith, fatwas of DSN-MUI, laws and regulations, and other relevant scientific works.The results of the study indicate that murabahah is a valid sale and purchase contract under Islamic law as long as it fulfills the pillars and conditions, such as clarity of the cost price, agreement on the profit margin, and ownership of the goods by the seller before the contract is concluded. This research provides an academic perspective that can be used to evaluate and improve murabahah financing practices so that they are more in line with sharia principles.  
A MAQASID AL-SYARĪ’AH BASED EVALUATION OF LOCAL GOVERNMENT INTERVENTIONS IN HALAL CERTIFICATION IMPLEMENTATION: EVIDENCE FROM SUMENEP Khoirun Nasik; Farid Ardyansyah; Ahmad Musadad; Shofiyun Nahidloh; Tri Pujiati; Umi Indasyah Zahro
JURNAL HAKAM Vol 10, No 1 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jhi.v10i1.14590

Abstract

The expiration of the phased implementation of mandatory halal certification on 17 October 2024 marked a transition from a facilitative to an enforcement-oriented policy phase, creating significant implementation pressures for local governments and micro and small enterprises facing legal, market, and administrative risks. While previous studies have examined halal certification from normative legal and governance perspectives, limited research integrates empirical public policy analysis with a maqasid al-syarī’ah framework to evaluate local government interventions during this post-transition period. Using a qualitative policy analysis approach, this study identifies six local intervention strategies: structured multi-stakeholder coordination; optimization of the self-declare assistance scheme; targeted digital literacy and social media outreach; affirmative programs for remote villages; development of a regional Halal Hub ecosystem; and preventive regulatory socialization for the 2026 mandatory phase. Empirically, 4,053 halal certificates were issued by January 2026, 3,933 through the self-declare scheme, with over 90% of assisted MSMEs completing registration on time. These results indicate that proactive facilitation and adaptive local governance significantly reduced non-compliance risks during the transition. From a maqasid al-syarī’ah perspective, the interventions operationalize multidimensional protection: religion (hifz al-dīn), life (hifz al-nafs), wealth (hifz al-māl), intellect (hifz al-’aql), and lineage (hifz al-nasl). Conceptually, this study proposes a maqasid-based evaluation model linking Islamic normative principles with measurable governance indicators. Theoretically and practically, it positions maqasid as an applied analytical framework and provides evidence-based guidance for adaptive and sustainability-oriented halal governance.
The Role of Community Leaders in Madurese People's Decisions in Using Sharia Pawnshop Services Zeinaful Madmudi; Hammam Hammam; Muhammad Najib Bin Abdurrahim; Khoirun Nasik
Nuris Journal of Education and Islamic Studies Vol. 6 No. 2: July - December 2026
Publisher : Institut Nurul Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jeis.v6i2.258

Abstract

Peran para pemimpin komunitas dalam meningkatkan literasi keuangan Islam secara signifikan memengaruhi keputusan masyarakat Madura dalam memilih layanan Pegadaian Syariah sebagai pilihan pembiayaan alternatif. Studi ini mengeksplorasi bagaimana para pemimpin komunitas secara efektif mengkomunikasikan prinsip-prinsip Syariah dan manfaat keuangan dalam konteks budaya mereka. Pendekatan kualitatif digunakan melalui wawancara dan observasi yang melibatkan para pemimpin komunitas, pelaku ekonomi, dan pengguna Pegadaian Syariah untuk memahami persepsi, motivasi, dan pengaruh sosial-budaya terhadap pengambilan keputusan keuangan. Temuan menunjukkan bahwa para pemimpin komunitas memperkuat pemahaman tentang prinsip-prinsip keuangan Islam, mengurangi ketergantungan pada praktik keuangan konvensional, dan mendorong penggunaan layanan Pegadaian Syariah. Interaksi nilai-nilai agama, norma-norma sosial, dan informasi yang disebarkan oleh para pemimpin komunitas berkontribusi pada perubahan persepsi dan keputusan keuangan di kalangan masyarakat Madura. Hasil ini memberikan wawasan praktis untuk mengembangkan strategi pendidikan keuangan Islam yang responsif secara budaya guna memperluas inklusi keuangan Syariah di wilayah tersebut.
Maqāṣid al-Sharī'ah's Criticism of the Practice of Hybrid Contracts in Islamic Financial Institutions in Indonesia Abd Rohman; Ach Mus'if; Khoirun Nasik; Indien Winarwati; Dwi Fidhayanti
Et-Tijarie Vol 11, No 1: Juni 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v11i1.35350

Abstract

The rapid development of Islamic financial products in Indonesia has increased the use of hybrid contracts (al-'uqūd al-murakkabah), raising concerns over their conformity with the substantive objectives of Islamic law. This study aims to analyze the implementation of hybrid contracts in Islamic financial institutions from the perspective of maqāṣid al-sharī'ah and to formulate a reconstruction of their conceptual framework. This research employs a qualitative approach with a normative-critical method. Data were collected through a literature review of classical Islamic legal sources, contemporary scholarly publications, and relevant Indonesian regulations governing Islamic finance. The findings reveal that the implementation of hybrid contracts remains predominantly driven by a legal-formal approach, emphasizing contractual validity rather than the realization of maqāṣid al-sharī'ah. In many cases, the contractual structures closely resemble conventional financial mechanisms and potentially constitute ḥīlah (legal stratagems), thereby weakening the principles of justice, transparency, and social welfare. The study argues that the current practice has not fully achieved the objectives of Islamic finance, particularly in promoting distributive justice and public benefit (maṣlaḥah). Accordingly, it proposes a maqāṣid-based reconstruction of hybrid contracts that prioritizes substantive justice, transparency, and welfare-oriented financial practices
Co-Authors Abd Rohman Ach Mus'if Ahmad Musadad Aliya Riza Adiba Dwi Fidhayanti Fajar Fajar Farid Ardyansyah Hammam Hammam Indien Winarwati Moh. Habibun Nawafil Muhammad Najib Bin Abdurrahim Shofiyun Nahidloh Tri Pujiati Zahro, Umi Indasyah Zeinaful Madmudi