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All Journal Jurnal Hadratul Madaniyah Al-Kharaj: Journal of Islamic Economic and Business
Hendra
UIN Palangka Raya
Religion Humanities Economics, Econometrics & Finance Education

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Banking Hegemony over the State Civil Apparatus: Gramsci's Analysis of Decree-Based Credit Culture in the Perspective of Islamic Economics Muhammad Taufik Rahman; Desi Erawati; Siswandi; Hendra
Jurnal Hadratul Madaniyah Vol. 13 No. 2 (2026): Jurnal Hadratul Madaniyah
Publisher : ​Institute for Researches and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/jhm.v13i2.12599

Abstract

Banking credit practices using the Decree of Appointment as collateral have become a systemic phenomenon among State Civil Servants in Indonesia. This study aims to analyze how the SK-based credit mechanism operates as an instrument of banking hegemony that normalizes debt in the lives of ASN and reviews this phenomenon through an Islamic economic perspective. Using a qualitative method with a literature study approach and critical analysis, this research dissects the power relations between banking institutions and ASN using Antonio Gramsci's theory of hegemony. The research findings indicate that banks, particularly Regional Development Banks, exercise hegemony through "voluntary consent" built on narratives of financial ease and consumptive lifestyles. The ASN SK is no longer just an administrative staffing document but has transformed into an economic commodity that shackle productivity and financial independence. From an Islamic economic perspective, this practice is criticized for containing ribawi elements, encouraging israf (excessive) behavior, and contradicting the principles of Maqashid Shariah, specifically in the aspect of hifzh al-mal (protection of wealth). The novelty of this research lies in the synthesis between Gramscian socio-political critique and Islamic economic axiology in dissecting ASN debt dependence. The implications of the study suggest the need for policy reform in financial literacy and the strengthening of sharia financing models that are more equitable for ASN.
Basic Muamalah Values As Guidelines For Ethical Digital Business Conduct hendra; Surya Sukti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.9106

Abstract

The development of the digital economy has significantly expanded the scope of modern business activities while creating complex ethical challenges such as information asymmetry, data misuse, and non-transparent transaction practices. This study aims to analyze the scope of digital business, explain the role of fiqh muamalah as a behavioral guideline, and elaborate on the fundamental muamalah values that serve as ethical guidelines in digital business practices. Using a library research method, this study reviews literature on fiqh muamalah, Islamic economics, and contemporary research related to economic digitalization. The findings indicate that digital business encompasses a wide range of technology-based transactions that require a strong ethical framework; fiqh muamalah functions as a normative guide ensuring justice, honesty, transparency, and consumer protection; and fundamental muamalah values such as trustworthiness (amanah), honesty (ṣidq), justice, avoidance of gharar, and maslahah are highly relevant in building ethical and sustainable digital business practices. The study concludes that integrating muamalah principles is essential to establishing a trustworthy, fair, and responsible digital business ecosystem.
Co-Authors Desi Erawati Muhammad Taufik Rahman Siswandi Surya Sukti