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All Journal Al Hurriyah : Jurnal Hukum Islam Jurnal Al-ittifaq
Hardiansyah Padli
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Etika Bisnis Islam dan Maqashid al-Shariah dalam Praktik Pinjaman Online Hardiansyah Padli; , Rahma Detik Kurningsih
AL-ITTIFAQ Jurnal Ekonomi Syariah Vol. 5 No. 2 (2025): Al-Ittifaq : Jurnal Ekonomi Syariah
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/alittifaq.v5i2.16452

Abstract

The rapid growth of financial technology (fintech), particularly online lending platforms, has expanded public access to financing through speed and convenience. However, alongside these benefits, online lending practices have generated significant ethical concerns, including excessive costs, unclear contractual terms, asymmetric power relations, and debt collection practices that may harm and psychologically pressure borrowers. This study aims to examine online lending practices from the perspective of Islamic business ethics and maqashid al-shariah, and to formulate an ethical framework for online lending oriented toward maslahah. This research employs a qualitative approach using a conceptual-analytical literature review. Data were collected from reputable national and international journal articles, classical and contemporary Islamic economics literature, and relevant regulatory documents, and analyzed through content analysis and conceptual synthesis. The findings indicate that many online lending practices do not fully reflect the principles of Islamic business ethics and the objectives of maqashid al-shariah, particularly in terms of protecting wealth, life, and intellect. The study concludes that online lending cannot be justified solely by formal legality or technological efficiency, but must be substantively evaluated based on justice, contractual transparency, social responsibility, and public welfare. This study contributes by offering an ethical framework for evaluating and developing fair and sharia-compliant fintech lending.
Tabuik Ritual in Pariaman: Islamic Acculturation and Local Culture through the Perspective of al-'Urf Kumaidi Kumaidi; Rahmat Hidayat; Hardiansyah Padli; Jamilus Jamilus; Arna Saskia
Alhurriyah Vol 11 No 1 (2026): June 2026
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/al-hurriyah.v11i1.10980

Abstract

This study examines the acculturation between Islamic values and Minangkabau local culture in the Tabuik ritual in Pariaman through the perspective of al-'urf in usul al-fiqh. Historically rooted in the Shia tradition, the Tabuik ritual has undergone transformation along three dimensions, namely theological, social-functional, and symbolic, since the nineteenth century, developing into a cultural identity of the Sunni community in Pariaman. Theologically, its grounding in martyrdom has been reframed as a moral commemoration of resistance to injustice. Socially, a minority sectarian practice has developed into a community-wide tradition emphasizing solidarity, mutual cooperation, and gotong royong. Symbolically, the replica of Husain's tomb has been reconstituted as an icon of communal identity. This study employs a narrative literature review with a qualitative approach to analyze the elements of the Tabuik ritual based on the classification of urf sahih and urf fasid and assess the legitimacy of its practices under Islamic law. The findings indicate that the social dimensions of the ritual, including communal solidarity, mutual cooperation, and collective identity, can be categorized as urf sahih because they support the objectives of maqasid al-shariah. Conversely, practices involving beliefs in material blessings or supernatural powers with ritual objects tend to fall within urf fasid because they may conflict with the principle of tawhid. The discourse between puritan and cultural groups reflects tensions over Tabuik. This study contributes to understanding the flexibility of Islamic law in accommodating cultural diversity through selective and normative evaluation.
Co-Authors , Rahma Detik Kurningsih Arna Saskia Jamilus Jamilus Kumaidi Kumaidi Rahmat Hidayat