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All Journal Ihsanika : Jurnal Pendidikan Agama Islam SALSABIL : Journal of Sharia and Economic Law
Andri Rivai
Sekolah Tinggi Agama Islam As-Sunnah Deli Serdang
Religion Economics, Econometrics & Finance Education

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Tinjauan Hukum Ekonomi Syariah terhadap Pinjaman Online Legal dan Ilegal di Indonesia Andri Rivai; Diah Mutiara K.; Intan Maulidia Fajri; Haya Zahra
SALSABIL : Jurnal Syariah dan Hukum Ekonomi Vol 1 No 2 (2025): SALSABIL : Journal of Sharia and Economic Law
Publisher : Program Studi Hukum Ekonomi Syariah STAI As-Sunnah Deli Serdang, Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51590/salsabil.v1i2.30

Abstract

The phenomenon of online lending in Indonesia was examined by focusing on its compatibility and incompatibility with the principles of Islamic economic law. A normative and descriptive approach was applied by analyzing the regulations issued by the Financial Services Authority (OJK), the fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and empirical data regarding the practices of legal and illegal online lending. It was identified that legal online lending has been regulated under official provisions, allowing legal protection to be provided for consumers, although elements of usury (riba), uncertainty (gharar), and data misuse were still found, which indicated that full compliance with sharia principles has not yet been achieved. Illegal online lending was declared to be in violation of both positive law and sharia principles, as it is operated without license, without supervision, and is characterized by excessive harms such as usurious interest, abusive debt collection, and moral as well as social losses. Based on the perspective of Islamic economic law, legal online lending was considered to have the potential to be directed towards sharia compliance if exploitative and unjust elements are eliminated, whereas illegal online lending was conclusively rejected since its harms were judged to outweigh any benefits.
Beyond Financial Literacy CP 020 2026 : Perencanaan & Evaluasi PAI Ekonomi Syariah Menuju Sustainable Islamic Education & SDGs 2030 Dwi Meutia Hasni; Dina Marni; Rafika Nisa; Erni Suyani; Andri Rivai
IHSANIKA : Jurnal Pendidikan Agama Islam Vol. 4 No. 2 (2026): Juni : IHSANIKA : Jurnal Pendidikan Agama Islam
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/ihsanika.v4i2.3848

Abstract

The implementation of the Decree of the Head of the Basic and Secondary Education Policy Agency (BKPDM) Number 020 of 2026 concerning the revision of the Learning Outcomes (CP) for Islamic Religious Education and Character Education encourages a pedagogical shift from a memorization-based approach to contextual, meaningful, and character-oriented learning through the five dimensions of love. In the field of Islamic economics, learning has primarily focused on Islamic financial literacy, particularly the distinction between halal and haram transactions, without adequately integrating ecological sustainability, social justice, and intergenerational responsibility. This study aims to formulate the transformation of instructional planning and assessment in Islamic Religious Education, particularly in Islamic economics, toward the paradigm of Sustainable Islamic Education aligned with the 2030 Sustainable Development Goals (SDGs). This research employed a qualitative approach using a library research method through content analysis of the 2026 Learning Outcomes document, Islamic economics literature, and SDGs documents. The findings indicate that instructional planning can be transformed through the formulation of learning objectives based on maqasid al-shariah, the implementation of project-based deep learning, and the integration of SDG indicators into the learning process. Meanwhile, learning assessment should shift toward authentic assessment that evaluates cognitive, affective, and psychomotor domains through fair and sustainable Islamic economic practices. This study proposes a Sustainable Islamic Education framework that integrates literacy, socio-ecological ethics, and sustainable action as a contribution to achieving the 2030 SDGs.
Co-Authors Diah Mutiara K. Dina Marni Dwi Meutia Hasni Erni Suyani Haya Zahra Intan Maulidia Fajri Rafika Nisa