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All Journal Balance : Media Informasi Akuntansi dan Keuangan Jurnal Manajemen Dakwah Contemporary Islamic Law and Legal Issue
Asep Koswara
Sekolah Tinggil Ilmu Al-Quran As-Syifa
Religion Humanities Economics, Econometrics & Finance Social Sciences

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Struktur Pendanaan dan Pola Bisnis Sektoral pada Platform Crowdfunding Syariah di Indonesia Asep Koswara; Bayu Anggara Putra
Balance: Media Informasi Akuntansi dan Keuangan Vol. 18 No. 1 (2026): Jurnal BALANCE: Media Informasi Akuntansi dan Keuangan
Publisher : Universitas Palangka Raya

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Abstract

This study examines the funding structure and sectoral business patterns in Islamic crowdfunding platforms in Indonesia, focusing on investment listings from Shafiq.id. The research aims to identify how funding characteristics such as total investment, number of investors, and financing tenor relate to different business sectors. Using a descriptive and exploratory quantitative approach, the study analyzes project-level data to uncover patterns of capital allocation and investor preferences. The findings reveal that although the number of projects is relatively evenly distributed across sectors, funding is disproportionately concentrated in specific sectors, particularly trade and project-based businesses. This indicates a tendency among investors to favor sectors with larger capital requirements and potentially higher returns. Additionally, the results suggest a relationship between sector type and funding characteristics, reflecting a risk-return trade-off within the framework of Sharia principles. The study highlights the importance of sectoral analysis in understanding investment behavior and provides insights for platform managers and investors in optimizing portfolio strategies within Islamic crowdfunding ecosystems.
Model Bisnis Langganan dalam Platform Dakwah Digital: Perspektif Fikih dan Manajemen Syariah Asep Koswara; Ela Sartika; Dedi Kuswandi
Jurnal Manajemen Dakwah Vol. 4 No. 1 (2026): Jurnal Manajemen Dakwah
Publisher : Program Studi Manajemen Dakwah Fakultas Ushuluddin Dan Dakwah Uin Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmd.v4i1.14385

Abstract

This study examines the compliance of subscription-based business models in digital da’wah platforms with Islamic jurisprudence principles within the Sharia economics framework, with particular reference to platforms such as Muslim Pro and Tarteel AI. The rise of digital da’wah has led to paid subscription schemes that raise debates concerning contract clarity and potential gharar elements. This research uses a qualitative approach through literature review and conceptual analysis of the ijarah al-manfa‘ah contract in the digital context. The findings indicate that subscription models can be classified as ijarah al-manfa‘ah if the contract object involves clearly defined service access, specified duration, and transparent user benefits. With proper contract structuring, the model is not only Sharia-compliant but also supports the sustainability and professionalism of digital da’wah management. The study contributes theoretically to Islamic digital business literature and practically to guiding ethical business model design for digital da’wah platforms.
Digital Muamalah and Economic Fairness: A Socio-Legal Analysis of FinTech Regulation in Muslim Countries Asep Koswara
Contemporary Islamic Law and Legal Issue Vol. 1 No. 2 (2026)
Publisher : Presscience

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63120/islamiclegalissue.v1i2.110

Abstract

This socio-legal study addresses the central problem of economic fairness in digital mu’āmalah, investigating the tension between technological innovation, Sharia compliance, and consumer protection within FinTech regulation in Muslim countries. Employing a qualitative socio-legal methodology that contrasts doctrinal analysis of regulatory texts (OJK, BNM, DSN-MUI rulings) with assumed empirical data (stakeholder perceptions, public reports on consumer complaints), the research critically assesses the efficacy of current regulatory frameworks. The primary scientific finding reveals a "Compliance-Fairness Paradox," demonstrating that while regulations are successful in ensuring structural compliance (e.g., technical avoidance of ribā and gharar), they fail to guarantee substantive economic fairness (Maqāṣid al-Sharī‘ah). This failure manifests as the Socio-Legal Gap, where legally permissible practices, such as high cumulative fees and algorithmic bias, lead to consumer exploitation and debt traps, fundamentally undermining the Maqāṣid objective of Hifẓ al-Māl (protection of wealth). This study concludes that achieving justice in digital finance requires regulatory policy to shift from a rigid formalistic focus on contractual structure to an adaptive, outcomes-based approach that monitors the social consequences and equitability of FinTech practices.
Co-Authors Bayu Anggara Putra Dedi Kuswandi Ela Sartika