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All Journal Journal of Indonesian Islamic Studies Abdi Cendekia: Jurnal Pengabdian Masyarakat Musyarakah: Journal of Sharia Economics (MJSE)
Mohammad Saiful Rifai
Sekolah Tinggi Agama Islam (STAI) Muhammadiyah Tulungagung
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Ijarah Based Justice in On-Call Labor Wage Systems: A Qualitative Study of Local ISPs Business Mohammad Saiful Rifai; Muchamat Amarodin; Yuni Maimuna; Fida Arumingtyas; Lina Marlina Susana
Musyarakah: Journal of Sharia Economic (MJSE) Vol 6, No 1 (2026): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v6i1.14488

Abstract

Introduction/Main Objectives: The development of flexible work arrangements has encouraged the emergence of on-call labor systems in technology-based businesses, including local Internet Service Providers (ISPs). Background Problems: Although operationally efficient, this model raises concerns regarding contractual clarity, wage mechanisms, and Islamic justice. This study analyzes the wage system for on-call workers and its conformity with Islamic justice based on the ijarah contract. Novelty: This study extends the application of ijarah al-a'mal to flexible on-demand employment in technology-based micro-enterprises, demonstrating its relevance to contemporary informal labor relationships. Research Methods: A qualitative case study was conducted at Irvan WiFi in Blitar Regency, Indonesia. Data were collected through interviews, observations, and documentation involving three key informants consisting of one business owner and two purposively selected on-call workers. The data were analyzed using the Miles and Huberman interactive model through coding, categorization, theme development, and interpretation. Finding/Results: Wages are determined by the type of work, level of difficulty, and field conditions. The practice fulfills the essential elements of an ijarah contract despite being conducted orally and reflects the principles of 'adl, antaradhin, and maslahah through proportional wages, timely payments, and adaptive compensation. Conclusion: The on-call labor system represents a contemporary form of ijarah al-a'mal, showing that flexible employment relationships can remain consistent with Sharia principles when based on contractual clarity, justice, and mutual consent.
The Relevance of Yusuf al-Qaradawi's Tarāḍin Principles to Affiliate Marketing Practices in E-commerce Mohammad Saiful Rifai; Fadilla Muhammad Mahdi; Junet Kaswoto; Zaenudin; Ilza Febrina
Journal of Indonesian Islamic Studies Vol. 6 No. 1 (2026): Journal of Indonesian Islamic Studies (October)
Publisher : Postgraduate Program of the State Islamic Institute of Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/jiis.v6i1.11483

Abstract

The rapid development of affiliate marketing in e-commerce has established it as an effective digital marketing model that enhances sales through a performance-based commission system. However, this practice also raises ethical concerns, particularly regarding information asymmetry, hidden commissions, and conflicts of interest, all of which may influence the quality of consumers' purchasing decisions. From the perspective of Islamic economics, these issues are closely related to the principle of tarāḍin, which serves as a fundamental basis for the legitimacy of transactions. This study aims to examine the relevance of the principle of tarāḍin in the thought of Yusuf al-Qaradawi to the practice of affiliate marketing in e-commerce. The research employs a library research method with a qualitative-conceptual approach. The data were collected from the Qur'an, Hadith, Yusuf al-Qaradawi's scholarly works, and other relevant academic literature. Data were analyzed using content analysis through four stages: open coding, theme extraction, analytical mapping, and interpretive synthesis. The findings indicate that, from a structural perspective, affiliate marketing corresponds to the contract of ju‘ālah and is therefore generally acceptable within Islamic commercial jurisprudence. Nevertheless, its ethical validity is conditional and largely depends on the integrity of the information that shapes consumers' consent. The principle of tarāḍin is found to be highly relevant in evaluating affiliate marketing practices through four key indicators: information transparency, commission disclosure, honesty in promotion, and consumers' freedom to make informed decisions. The novelty of this study lies in applying Yusuf al-Qaradawi's concept of tarāḍin as an ethical framework for assessing information integrity in contemporary affiliate marketing practices.
MSME Adaptation Strategies in Facing Rising Production Costs: An Islamic Economic Perspective Zaenudin; Mohammad Saiful Rifai; Junet Kaswoto; Jihan Nabila Zahara; Mukhamad Rinda Rifa’i
Journal of Indonesian Islamic Studies Vol. 6 No. 1 (2026): Journal of Indonesian Islamic Studies (October)
Publisher : Postgraduate Program of the State Islamic Institute of Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/jiis.v6i1.12485

Abstract

This study examines the adaptation strategies of a culinary micro-enterprise in responding to rising production costs from an Islamic economic perspective. The study focuses on Dapur Mamanau, a home-based culinary micro-enterprise in Tulungagung, East Java. This study employed a qualitative case study design. Data were collected through semi-structured written interviews conducted via WhatsApp with five informants, consisting of one business owner as the primary informant and four consumers as supporting informants. The data were analyzed thematically through an inductive coding process, while data credibility was strengthened through source triangulation and member checking. The findings indicate that rising raw material prices and difficulties in obtaining certain production inputs created pressure on the business's profit margins, while selling prices were not immediately increased. In response, Dapur Mamanau maintained product quality and variety, considered production and labor costs as well as the target market, developed product variants, adjusted production quantities according to market conditions, and utilized social media as a supporting marketing channel. The adjustment of production quantity was explicitly associated with declining purchasing power and the prevention of potential losses. From an Islamic economic perspective, these practices can be interpreted through 'adl in considering price and consumer affordability, shiddiq in communicating potential price changes, amanah in maintaining product quality, hygiene, and safety, maslahah in preventing unnecessary losses while maintaining business continuity, and tarāḍin through transparent communication with consumers. The study provides a contextual account of how a home-based culinary micro-enterprise combines economic and ethical considerations when adapting to rising production costs.
Pendampingan Digitalisasi Lokasi Usaha Melalui Google Maps dan Pembuatan Banner Promosi pada UMKM Batrek Bu Tatik di Desa Mirigambar, Kabupaten Tulungagung Azhizah Khoirunisya; Mohammad Saiful Rifai; Muhammad Zidan Riziq; Della Ayu Widyadana
Abdi Cendekia : Jurnal Pengabdian Masyarakat Vol 5 No 3 (2026): September
Publisher : Yayasan Zia Salsabila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61253/abdicendekia.v5i3.1242

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) di kawasan pedesaan pada umumnya masih memasarkan usahanya melalui informasi dari mulut ke mulut sehingga jangkauan promosinya terbatas pada lingkungan terdekat. Pengabdian ini dilaksanakan untuk mendampingi UMKM Batrek Bu Tatik di Desa Mirigambar, Kabupaten Tulungagung, dalam mencantumkan lokasi usahanya pada Google Maps sekaligus menyediakan banner sebagai media promosi fisik. Pendekatan yang digunakan adalah pendampingan partisipatif, dengan melibatkan pemilik usaha secara langsung mulai dari observasi kondisi awal, penggalian kebutuhan, pendataan informasi usaha, perancangan konten digital dan desain banner, pelaksanaan pendaftaran pada Google Maps, pencetakan dan pemasangan banner, hingga pendampingan pemanfaatan serta evaluasi berkala. Hasil kegiatan menunjukkan bahwa pencantuman titik lokasi pada Google Maps mempermudah calon pembeli menemukan dan menuju tempat usaha, sedangkan banner yang terpasang di depan lokasi memperjelas identitas usaha bagi masyarakat yang melintas. Perpaduan kedua media tersebut membentuk pola pemasaran yang menggabungkan jalur digital dan konvensional, sekaligus menumbuhkan pemahaman pemilik usaha mengenai manfaat literasi digital bagi keberlangsungan usahanya. Pengabdian ini membuktikan bahwa pendampingan yang sederhana dan bersifat aplikatif mampu memberikan dampak nyata terhadap visibilitas, identitas, dan keberlanjutan pemasaran UMKM skala mikro di wilayah pedesaan.
Ethical Assessment of the Proactive Tax Service and Collection Assistance Model from an Islamic Economic Perspective Ahmad Junaidi; Mohammad Saiful Rifai; Zaenudin; Debi Eka Putri; Dadang Mulyana
Musyarakah: Journal of Sharia Economic (MJSE) Vol 6, No 2 (2026): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Background/Problem: Tax service delivery encompasses critical ethical dimensions in the relationship between tax authorities and taxpayers, requiring the proactive "ball-pick-up" (jemput bola) service and collection assistance system to be examined beyond mere administrative efficiency. Novelty: This study offers a specific conceptual framework integrating the proactive tax service mechanism with the ethical values of Islamic economics. Research Method: Employing a qualitative literature review approach, this study systematically analyzes academic literature, taxation regulations, and scholarly sources through identification, selection, classification, thematic interpretation, and synthesis. Findings/Results: The conceptual synthesis reveals that the proactive system conceptually aligns with Islamic economic principles when its operationalization embeds justice ('adl), trustworthiness (amanah), transparency, respect for taxpayers, proportionality, public benefit (maslahah), and protection of wealth (hifz al-mal), framing the mechanism as an ethical public service rather than coercive revenue extraction. Conclusion: Conceptually, the proactive assistance model provides an ethical foundation to bridge tax authorities and the public, offering a theoretical framework to protect taxpayers' rights and support public welfare within Islamic economic governance.
Transaction Structure and Payment Mechanisms of SPayLater and Murabahah: A Comparative Study from the Perspective of Islamic Economics Putri Khairani Rijadi; Mohammad Saiful Rifai; Debi Eka Putri; Gunawan Raspati; Lina Marlina Susana
Journal of Indonesian Islamic Studies Vol. 6 No. 1 (2026): Journal of Indonesian Islamic Studies (October)
Publisher : Postgraduate Program of the State Islamic Institute of Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/jiis.v6i1.12792

Abstract

The development of Buy Now Pay Later (BNPL) services within digital commerce has introduced deferred payment mechanisms resembling installment systems in murabahah. However, payment similarities do not equate to identical contractual structures. This study aims to analyze and compare the transaction structure and payment mechanisms of SPayLater and murabahah from an Islamic economic perspective. Employing a qualitative-comparative library research method, data were gathered from official SPayLater Product and Service Information Summary (RIPLAY) documents, DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning murabahah, and Financial Services Authority (OJK) guidelines. Using content and comparative analysis, the findings prove that while both employ installment mechanisms, they differ structurally. SPayLater functions as a digital financing facility where user obligations stem from a financing/debt structure rather than a direct sales contract. In contrast, murabahah constitutes a strict sale and purchase contract wherein the price consists of the asset's acquisition cost and an agreed-upon profit margin, supported by clear asset ownership sequences. Although sharia-compliant financing can utilize murabahah, digital payment services like SPayLater require evaluating the substance of the economic relationship and fee mechanisms, rather than relying solely on the form of deferred payment.
Co-Authors Ahmad Junaidi Azhizah Khoirunisya Dadang Mulyana Debi Eka Putri Della Ayu Widyadana Fadilla Muhammad Mahdi Febrina, Ilza Fida Arumingtyas Gunawan Raspati Jihan Nabila Zahara Junet Kaswoto Lina Marlina Susana Muchamat Amarodin Muhammad Zidan Riziq Mukhamad Rinda Rifa'i Putri Khairani Rijadi Yuni Maimuna Zaenudin