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All Journal Media Riset Bisnis Manajemen Akuntansi
Ganesta Putrya Awara
Universitas Muhammadiyah Jakarta

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MEMBANGUN UMKM BERBASIS WAKAF PRODUKTIF : PENDEKATAN HUKUM BISNIS ISLAM TERHADAP PEMBIAYAAN ALTERNATIF Ganesta Putrya Awara; Muhammad Fadli Ikhwan; Sandria Zhafrani
Media Riset Bisnis Manajemen Akuntansi Vol 1, No 2 (2025): Media Riset Bisnis Manajemen Akuntansi
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbima.v1i1.367

Abstract

This study examines the potential of productive waqf as an alternative financing mechanism for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia within the framework of Islamic business law. Amid limited access to conventional financing due to administrative and interest-based barriers, productive waqf emerges as a sharia-compliant and socially inclusive solution. Using a qualitative-descriptive method through library research, the study analyzes literature from academic sources and waqf institutions. The findings show that productive waqf not only offers capital assistance but also empowers MSMEs through training, infrastructure, and fair financing schemes. This financing model aligns with Islamic principles such as justice, prohibition of riba and gharar, and public benefit (maslahah). Successful implementations by institutions like Dompet Dhuafa and Bank Wakaf Mikro demonstrate its effectiveness in increasing business capacity, income, and job creation. The study concludes that productive waqf can significantly contribute to sustainable and equitable economic development when supported by strong regulation, professional nazhir management, and broader public awareness.Keywords: Islamic business law, MSMEs, productive waqf, alternative financing, sharia economy
PERKEMBANGAN FINTECH TERHADAP INOVASI EKONOMI DIGITAL DALAM PERSPEKTIF HUKUM BISNIS ISLAM Muhammad Fadli Ikhwan; Ganesta Putrya Awara; Sandria Zhafrani
Media Riset Bisnis Manajemen Akuntansi Vol 1, No 1 (2025): Media Riset Bisnis Manajemen Akuntansi
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbima.v1i1.359

Abstract

This study explores the rapid development of financial technology (fintech) and its role in driving digital economic innovation from the perspective of Islamic business law. Using a descriptive qualitative method through literature review, the research analyzes fintech's impact on financial accessibility, economic participation, and legal compliance with Islamic principles. Fintech services, such as peer-to-peer lending, digital wallets, and investment platforms, offer numerous benefits including efficiency, financial inclusion, and economic democratization. However, challenges arise when fintech practices potentially involve elements prohibited in Islamic law, such as riba (interest), gharar (uncertainty), and maisir (speculation). This study emphasizes the importance of aligning fintech implementation with sharia principles, as regulated by national institutions like DSN-MUI, OJK, and Bank Indonesia. The findings highlight the need for fintech developers, regulators, and users to uphold transparency, fairness, and religious compliance to ensure the ethical advancement of digital finance. The study also calls for greater public literacy and regulatory support for sharia-compliant fintech innovation.Keywords: digital economy, fintech, innovation, Islamic business law, sharia compliance
Co-Authors Muhammad Fadli Ikhwan Muhammad Fadli Ikhwan Sandria Zhafrani Sandria Zhafrani