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All Journal Syariah: Jurnal Hukum dan Pemikiran ADILLA: Jurnal Ilmiah Ekonomi Syari'ah
Mochammad Andre Agustianto
Universitas Islam Negeri Sunan Ampel
Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Measuring Economic Fairness In Early Settlement Of Griya Hasanah Financing: Systematic Literature Review And KPIS Index Proposal Muhammad Havy Martdadi; Mochammad Andre Agustianto
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.11090

Abstract

This study explores the concept of economic justice in the practice of early settlement within Islamic financing, with a particular emphasis on the Griya Hasanah housing scheme. The research employs a Systematic Literature Review (SLR) guided by the PRISMA 2020 protocol to ensure methodological transparency. Literature searches were conducted across Scopus, Web of Science, Sinta, and Google Scholar databases, covering the period 2015–2025, resulting in 42 relevant studies. The review reveals five central dimensions of justice in early settlement practices: margin fairness, contractual compliance, procedural transparency, risk distribution, and alignment with the objectives of maqasid al-shari‘ah. Findings indicate a notable gap between normative regulations, such as DSN-MUI Fatwa No. 153/2022, which emphasizes the importance of granting rebates and the diverse practices implemented by Islamic banks, particularly in calculating rebate proportions and ensuring contract clarity. As a scholarly contribution, this research proposes the development of a Key Performance Indicators of Settlement (KPIS) framework as a structured tool for measuring justice. The KPIS incorporates five dimensions with operational indicators, including margin ratios, disclosure of information, compensation policies, risk protection, and maqasid compliance. By applying this framework, Islamic financial institutions can evaluate and enhance early settlement practices more objectively and fairly, thereby improving accountability and strengthening public confidence in the Islamic financial system.
Theoretical Gap Analysis: Construction Of A Model Of Generation Z Consumer Behavior Towards The Adoption Of Digital Sharia Financial Services Faricha Mulya Rahmaniah Muchsin; Mochammad Andre Agustianto
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.11117

Abstract

Advances in financial technology have transformed the landscape of financial services, including in Islamic financial institutions, which are now developing various digital innovations such as Islamic mobile banking, halal fintech, and Sharia-compliant e-wallets. Although Generation Z is the dominant user of digital technology, their adoption rate of Islamic financial services is still relatively low. This study aims to map the theoretical gap through a Systematic Literature Review (SLR) approach, utilizing the PRISMA 2020 protocol, which examines national and international literature published between 2015 and 2025. The results of the study show that classical models such as the Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB), and Unified Theory of Acceptance and Use of Technology (UTAUT) have not been able to explain the behavior of Generation Z in the context of sharia because they do not accommodate the values of trust, reputation, and religiosity. This study further formulates a new conceptual model that integrates Islamic values into the framework of digital behavior, intending to strengthen the theoretical basis for future empirical research and provide strategic direction in increasing interest, trust, and adoption rates of digital sharia financial services among Generation Z.
Penilaian Legalitas Perdagangan Kripto di Pasar Komoditas Indonesia: Studi Analitis Berbasis Maqāṣid Al-Sharīʿah. Bakhrul Huda; Rianto Anugerah Wicaksono; Mochammad Andre Agustianto; Fadllan Fadllan
Syariah: Jurnal Hukum dan Pemikiran Vol 25 No 1 (2025)
Publisher : Universitas Islam Negeri Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/sjhp.v25i1.16759

Abstract

Cryptocurrency trading has emerged as a global phenomenon, raising complex legal and ethical questions, particularly within the framework of Islamic law. In Indonesia, the government’s dual-track policy—legalizing crypto assets as commodities while prohibiting them as payment instruments—calls for critical normative analysis. This study aims to assess the legality of cryptocurrency trading in Indonesia’s futures market from the perspective of maqāṣid al-sharīʿah. Employing a normative legal research method integrated with a maqāṣid-based approach, the research analyzes statutory regulations and incorporates primary data from interviews with regulatory authorities (BAPPEBTI). The findings reveal that the legalization policy aligns with aspects of public interest (maṣlaḥah) and falls within the categories of maqāṣid ḥājiyyah and maʿānin ʿurfiyyah ʿāmmah, although continuous monitoring is essential to prevent elements of maysir, gharar, and ḍarar. The uniqueness of this research lies in its synthesis of legal formalism with maqāṣidic reasoning, supported by empirical insights, offering a novel contribution to the field of Islamic economic law. Future research should include comparative studies across Muslim jurisdictions to develop a sharīʿah-compliant regulatory framework responsive to fintech innovation.
Co-Authors Bakhrul Huda Fadllan Faricha Mulya Rahmaniah Muchsin Muhammad Havy Martdadi Rianto Anugerah Wicaksono