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This Author published in this journals
All Journal Studia Economica: Jurnal Ekonomi Islam Journal of Social Humanities and Education: Scripta Humanika
Kholid Kholid
Sekolah Tinggi Agama Islam Darul Hikmah Bangkalan
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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The Phenomenon of Bang-Abang (Bank Titil) According to a Review of Fiqh Muamalah Ulya Dharojah; Khodimul Wahid; Kholid Kholid
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26596

Abstract

This study examines the phenomenon of bang-abang, which is the term used by the people of Bangkalan to refer to loan sharks in the Kasorjan market in Bangkalan District, Bangkalan Regency, which is a market located in the densely populated center of Bangkalan. The market is a place where sellers and buyers meet to conduct transactions. As time goes by, the market has become more than just a place where sellers and buyers meet to conduct transactions. The large number of people who gather at the market is also used to offer financial services, one of which is titil banks that offer loan services. This study uses a qualitative Islamic phenomenological method, conducting observations and interviews, as well as analyzing the conformity of transactions carried out by bang-abang with the teachings of Islamic muamalah fiqh. The results of this study indicate that the loan transactions conducted by the bang-abang are not in accordance with Islamic law because they involve interest, which is clearly prohibited. This may occur due to a lack of understanding and awareness among the community regarding transactions that comply with Islamic law, as well as unstable economic conditions and urgent community needs
Construction of a Digital Asset Regulation Framework in Islamic Social Finance: Blockchain Integration for Zakat Transparency and Estate Planning Muhammad Imamul Muttaqin Arisandi; Bustomi Arisandi; Bahrul Ulum; M. Khodimul Wahib; Kholid Kholid
Jurnal Sosial Humaniora dan Pendidikan Vol 1 No 4 (2026): May: Jurnal Sosial Humaniora dan Pendidikan: Scripta Humanika
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/4qdt4d43

Abstract

This study examines the construction of an Islamic digital asset governance framework within the context of blockchain integration for zakat transparency and digital estate planning in Indonesia. The research responds to the growing tension between rapid technological transformation in Islamic finance and the absence of comprehensive sharia-oriented regulatory mechanisms governing crypto assets, decentralized transactions, and digital inheritance systems. Employing a non-empirical juridical-normative method, the study analyzes statutory regulations, DSN-MUI fatwas, comparative international regulatory models, and interdisciplinary scholarly literature concerning Islamic fintech, blockchain governance, and Maqasid Shariah. The findings indicate that existing regulatory approaches remain fragmented because financial supervision, sharia compliance, and inheritance governance operate within disconnected institutional frameworks. Blockchain technology demonstrates significant potential to enhance transparency, accountability, and efficiency in zakat and waqf management through immutable ledgers and automated smart-contract mechanisms, although unresolved cyber risks, speculative volatility, and succession vulnerabilities continue to threaten the principle of hifzh al-mal. The study formulates the Islamic Digital Asset Governance Framework (IDAGF), integrating technical supervision, sharia certification, judicial authorization, and social-finance accountability into a multilayered governance structure capable of harmonizing algorithmic innovation with Islamic legal certainty and sustainable digital financial ethics.
Co-Authors Bahrul Ulum Bustomi Arisandi Khodimul Wahid M. Khodimul Wahib Muhammad Imamul Muttaqin Arisandi Ulya Dharojah