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All Journal Jurnal CENDIKIA ISNU Jurnal Cendikia ISNU SU
Muhammad Ikhlas Bin Rosele lubis
Universiti Malaya, Kuala Lumpur, Malaysia
Religion Arts Humanities Law, Crime, Criminology & Criminal Justice

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Government in the Perspective of Fiqh Siyasah: A Critical Study between Democracy and the Concept of Caliphate Muhammad Ikhlas Bin Rosele lubis; Mhd Soleh Hasibuan; Adinda Putri Hutabarat
Jurnal Cendikia ISNU SU Vol. 2 No. 1 (2025): Mei : JCISNU
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i3.944

Abstract

This study discusses the perspective of Islamic jurisprudence on the system of government, especially in comparing the concepts of democracy and the caliphate. In Islamic history, the caliphate was seen as an ideal system of government that applied Islamic sharia comprehensively, while democracy was a modern system rooted in the sovereignty of the people and individual freedom. This research uses the library research method by analyzing classical and contemporary sources, both from fiqh literature and Islamic political thought. The results of the study show that there is a diversity of opinions among scholars regarding the validity of democracy in Islam. Some scholars accept democracy as a means of ijtihadiyah that can be adapted as long as it does not contradict the basic principles of sharia. Meanwhile, the caliphate system is seen as more ideal normatively, but it faces challenges in contextual implementation in the modern era. This study concludes that the fiqh approach to the system of government is dynamic and contextual, and opens up space for the integration of Islamic values in various forms of political systems.
Government in the Perspective of Fiqh Siyasah: A Critical Study between Democracy and the Concept of Caliphate Muhammad Ikhlas Bin Rosele lubis; Mhd Soleh Hasibuan; Adinda Putri Hutabarat
Jurnal Cendikia ISNU SU Vol. 2 No. 1 (2025): Mei : JCISNU
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i3.944

Abstract

This study discusses the perspective of Islamic jurisprudence on the system of government, especially in comparing the concepts of democracy and the caliphate. In Islamic history, the caliphate was seen as an ideal system of government that applied Islamic sharia comprehensively, while democracy was a modern system rooted in the sovereignty of the people and individual freedom. This research uses the library research method by analyzing classical and contemporary sources, both from fiqh literature and Islamic political thought. The results of the study show that there is a diversity of opinions among scholars regarding the validity of democracy in Islam. Some scholars accept democracy as a means of ijtihadiyah that can be adapted as long as it does not contradict the basic principles of sharia. Meanwhile, the caliphate system is seen as more ideal normatively, but it faces challenges in contextual implementation in the modern era. This study concludes that the fiqh approach to the system of government is dynamic and contextual, and opens up space for the integration of Islamic values in various forms of political systems.
Transforming Payment Systems through QRIS in Indonesia: Regulatory Challenges in Advancing an Inclusive Digital Financial System Muhammad Ikhlas Bin Rosele lubis; Yara Shita
Jurnal Cendikia ISNU SU Vol. 3 No. 2 (2026): JCISNU Volume 3, Nomor 2, September 2026
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v3i2.1962

Abstract

The transformation of digital payments through the Quick Response Code Indonesian Standard (QRIS) has changed the structure of Indonesia's financial transactions, but the expansion of its use has also resulted in new challenges related to consumer protection, security, data governance, and equality of access. This study aims to analyze the adequacy of the QRIS regulatory framework in supporting an inclusive digital financial system and identify the regulatory gap between innovation expansion and legal protection. The research uses normative legal methods with legislative, conceptual, and analytical approaches. Legal materials are analyzed descriptively-analytically and prescriptively to evaluate the coherence and regulatory effectiveness of digital payment systems. Research shows that QRIS has evolved from a standardization instrument to a strategic digital financial infrastructure. Although the regulatory framework is becoming more comprehensive, there are still challenges in ensuring consumer protection, operator accountability, data security, and substantive access for unbanked and underserved groups. Digital inclusion is not enough to be measured through adoption growth, but must be accompanied by effective legal protection. QRIS regulations need to be directed at proportional innovation governance based on interoperability, consumer protection, data security, substantive access, and accountability to realize equitable and sustainable digital financial inclusion.  
Transforming Payment Systems through QRIS in Indonesia: Regulatory Challenges in Advancing an Inclusive Digital Financial System Muhammad Ikhlas Bin Rosele lubis; Yara Shita
Jurnal Cendikia ISNU SU Vol. 3 No. 2 (2026): JCISNU Volume 3, Nomor 2, September 2026
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v3i2.1962

Abstract

The transformation of digital payments through the Quick Response Code Indonesian Standard (QRIS) has changed the structure of Indonesia's financial transactions, but the expansion of its use has also resulted in new challenges related to consumer protection, security, data governance, and equality of access. This study aims to analyze the adequacy of the QRIS regulatory framework in supporting an inclusive digital financial system and identify the regulatory gap between innovation expansion and legal protection. The research uses normative legal methods with legislative, conceptual, and analytical approaches. Legal materials are analyzed descriptively-analytically and prescriptively to evaluate the coherence and regulatory effectiveness of digital payment systems. Research shows that QRIS has evolved from a standardization instrument to a strategic digital financial infrastructure. Although the regulatory framework is becoming more comprehensive, there are still challenges in ensuring consumer protection, operator accountability, data security, and substantive access for unbanked and underserved groups. Digital inclusion is not enough to be measured through adoption growth, but must be accompanied by effective legal protection. QRIS regulations need to be directed at proportional innovation governance based on interoperability, consumer protection, data security, substantive access, and accountability to realize equitable and sustainable digital financial inclusion.  
Co-Authors Adinda Putri Hutabarat Mhd Soleh Hasibuan Yara Shita