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All Journal Madani: Multidisciplinary Scientific Journal Socius: Social Sciences Research Journal Media Hukum Indonesia (MHI)
Jaenudin J
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Preloved Reviewed from the Perspective of Maslahah Mursalah Siti Nurhasanah; Shalsa Sri Wulandari; Jaenudin J; Dian Herdiana
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 5 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

This study aims to analyze the practice of preloved goods trading from the perspective of maslahah mursalah and maqasid al-shariah, focusing on its economic, social, and environmental benefits. This research uses a qualitative method with a normative-empirical approach through interviews with preloved business actors in the local area. The results show that preloved trading activities provide various forms of public benefit, including economic efficiency, social equity, and environmental sustainability. Economically, it helps society manage expenses and creates new business opportunities. Socially, preloved promotes solidarity and reduces consumption inequality among different economic classes. Environmentally, it contributes to reducing textile waste and supports the sustainable fashion movement. In Islamic legal perspective, preloved trading is a lawful (mubah) transaction aligned with maqasid al-shariah, as it involves no elements of riba, gharar, or tadlis and delivers benefits to the wider community. Therefore, the preloved trade can be regarded as an embodiment of maslahah mursalah values in the context of contemporary Islamic economics
A Sharia Economic Law Review of the Contract for the Use of the Duha Syariah Application Khairul Amri; Muhammad Hakim Ramadhan; Fahmi Taupik Hidayat; Jaenudin J; Dian Herdiana
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 5 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The covenant is a fundamental pillar in the Islamic economic structure (muamalah), whose essence is to ensure that all transactions run fairly and are free from prohibited practices, especially riba, gharar (uncertainty), and maisir (speculation). Digital disruption through Financial Technology (Fintech) gives rise to innovations such as Fintech Syariah, which includes a Sharia-based Peer-to-Peer Lending (P2P Lending) platform, one of which is Duha Syariah. This study focuses on an in-depth analysis of the compatibility of the agreements implemented by Duha Syariah with the framework of Sharia Economic Law, especially referring to the DSN-MUI Fatwa No. 117/DSN-MUI/II/2018 and the regulation of the Financial Services Authority (OJK) through POJK No. 10/POJK.05/2022. By using a normative legal approach, the research results indicate that Duha Syariah which has obtained official permission from OJK and is under the supervision of the Syariah Supervisory Board (DPS) consistently applies commercial agreements such as Murabahah (for goods-based financing) and Ijarah (for financing services), as well as the Wakalah bil Ujroh agreement in the platform's operational scheme. This transaction model rigidly requires the existence of a clearly identified underlying asset (specified), so that it is substantively able to nullify the element of usury.
Analysis of the Implementation of Muamalah Principles in the Operations of a Sharia Hotel (Case Study at Savindra Residence) Muhammad Ali Fikri; Muhammad Iqbal Maulana; Hana Putri H; Jaenudin J; Dian Herdiana
Media Hukum Indonesia (MHI) Vol 4, No 1 (2026): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17838181

Abstract

This study examines how muamalah principles are implemented in the daily operations of a sharia hotel in Indonesia. Using a qualitative descriptive-analytic approach, data were collected through interviews, observations, and literature reviews, including DSN-MUI Fatwa No.108/2016. The findings show that the hotel applies sharia-compliant service contracts by strictly verifying marital status, preventing unlawful activities, and ensuring transparency in every transaction. Ethical values such as amanah and ihsan are reflected in the staff’s polite yet firm attitude when communicating rules to guests. However, challenges remain, including limited guest understanding of sharia regulations, insufficient supporting facilities, and occasional security issues. The study concludes that although the hotel has generally upheld muamalah principles, improvements in guest education and sharia-based facilities are still needed for more optimal implementation
Analisis Preskriptif Hukum Ekonomi Syariah terhadap Praktik Pengenaan Biaya Administrasi QRIS pada Usaha Mikro Muhammad Azhar Firdaus Purwono; Muhammad Najwan Dzakir; Hanif Jayidul Fuad; Mohammad Alqis Fawwazil Imtiyaz; Jaenudin J; Dian Herdiana
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17810678

Abstract

This study aims to analyze the appropriateness of charging administrative fees in digital payment transactions using QRIS among micro-enterprises in light of the regulations of Bank Indonesia and the principles of Islamic economic law (sharia). Using a qualitative method with a prescriptive approach, this research evaluates whether such practice is right or wrong based on interview data from merchants and consumers, as well as a literature review related to digital payment systems, MDR regulation, and fiqh muamalah. The analysis finds that merchants imposition of QRIS administrative fees constitutes conduct that is not aligned with regulatory provisions, violates consumer protection principles, and contradicts the principles of fairness, transparency, and the concept of iwadh in muamalah. The findings affirm that QRIS administrative fees are invalid both from a regulatory and sharia perspective, thereby necessitating stronger education and oversight to ensure fair and sharia-compliant digital transaction practices.
The Implementation of Sharia Principles in Stock Trading: A Comparative Analysis of Conventional and Sharia-Compliant Stock Markets Riska Fitri Anggina Putri; Iffah Azizah; Renada Awani; Jaenudin J; Dian Herdiana
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 4 (2025): November
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17768922

Abstract

This study aims to analyze the fundamental differences between transaction mechanisms in the conventional stock market and the sharia-compliant stock market, as well as to examine the application of sharia principles—such as the prohibitions of riba, gharar, and maysir—in sharia stock trading. In addition, this research evaluates the effectiveness of regulations and supervisory systems in enforcing sharia principles within the Indonesian capital market. The method used is library research by reviewing various sources including scientific journals, books, and official documents from the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The findings show that the sharia stock market has stricter and more transparent mechanisms compared to the conventional market because all instruments and commitments must undergo a sharia screening process to ensure compliance with Islamic principles. The prohibitions of riba, gharar, and maysir are enforced through the avoidance of interest-based transactions, speculative activities, and excessive uncertainty. Regulations issued by OJK and DSN-MUI have played a crucial role in maintaining the integrity of the sharia market, although stronger supervisory systems and improved investor literacy are still needed. Overall, Indonesia’s sharia stock market demonstrates significant potential as an ethical investment alternative grounded in transparency and economic sustainability.
Analisis Penerapan Hukum Ekonomi Syariah terhadap Skema Komisi dan Bonus pada Platform Evermos Dinda Fiachsania Maharani; Rannan Salma Alifa; Devi Andrian; Jaenudin J; Dian Herdiana
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 5 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17852981

Abstract

This study analyzes the implementation of Islamic Economic Law principles on the commission and bonus schemes applied by Evermos, a sharia-based social commerce platform. Using a qualitative approach with descriptive-analytic methods, data were collected through documentation studies sourced from the Evermos official website, sustainability reports, DSN-MUI fatwas, and relevant muamalah literature. Data were examined using content analysis and normative comparison to assess sharia compliance. The results show that the commission system aligns with the akad wakālah bil ujrah, where resellers act as agents entitled to fair compensation based on their marketing performance. Meanwhile, the bonus scheme corresponds to the concept of ju‘ālah, permissible as long as it is transparent, free from gharar and maisir, and not structured as prohibited multi-level schemes. Overall, Evermos’ commission and bonus mechanisms meet the principles of justice, transparency, and maslahah required in Islamic Economic Law. The study contributes to the theoretical development of sharia business governance and offers practical recommendations for strengthening sharia compliance in digital commerce.
Analisis Fiqh Muamalah terhadap Praktik Pinjaman Kelompok di Platform Fintech Amartha dalam Perspektif Hukum Ekonomi Syariah Anna Delfianty Gantina; M. Awalul Haikal; Jaenudin J; Dian Herdiana
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 5 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17829589

Abstract

This study examines the legal position and compliance of Amartha’s peer-to-peer lending scheme within the framework of Sharia principles, focusing on the legitimacy of the wakalah bil ujrah contract and its alignment with Indonesian positive law. Using a normative juridical method, this research relies on primary legal materials including OJK regulations governing fintech lending and relevant DSN-MUI fatwas, supported by secondary materials such as journals, sustainability reports, and academic analyses. The findings indicate that Amartha’s business model featuring group-based financing, fixed service fees, and risk-sharing mechanisms generally aligns with the governance requirements stipulated in POJK and the contractual parameters defined in fatwas on wakalah, ujrah, and P2P financing ethics. This study concludes that while Amartha’s model is legally structured to comply with Sharia and positive law, stronger regulatory enforcement and standardized disclosures are necessary to ensure optimal consumer protection and Sharia-compliant financial practices.
Co-Authors Affan Fadly Dawami Alya Nur Mutmainah Anisya Dwiyulianthi Anna Delfianty Gantina Aurel Imdaduloh Devi Andrian Dian Herdiana Dian Herdiana Dinda Fiachsania Maharani Fahira Qolbu Muthmainah Fahmi Taupik Hidayat Geger Permana Hana Hafidzatunnaimah Hana Putri H Hana Widyadhana Hanif Jayidul Fuad Iffah Azizah Imelda Aulia Suci Jimi Malik Bin Algiani Khairul Amri Lalah Sibgah M. Awalul Haikal Malihatul Uyun Meyga Nurcahyo Usfantoro Mohammad Alqis Fawwazil Imtiyaz Muhammad Ali Fikri Muhammad Ali Fikri Muhammad Azhar Firdaus Purwono Muhammad Azkal Aulia Muhammad Hakim Ramadhan Muhammad Ilham Sanusi Muhammad Iqbal Maulana Muhammad Istajib Munajat Muhammad Najwan Dzakir Muhammad Naufal Is Adurrofiq Muhammad Sahrul Roihansyah Nazma Maulidia Azzahra Neida Haerunisa Rahma Siti Sofyanti Rannan Salma Alifa Renada Awani Resha Atkya Aulia Riska Fitri Anggina Putri Shalsa Sri Wulandari Siti Nurhasanah Sri Ratu Bulqiyah Tadzkir Putri Tiara Nur Amalina Ula Nazhiatul Mardiyah