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Islamic Coin sebagai Produk dari Kripto Syariah: Analisis Mekanisme dalam Perspektif Fikih Muamalah Widyadhana, Hana; Muthmainah, Fahira Qolbu; Haerunisa, Neida; J, Jaenudin; Herdiana, Dian
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.17784479

Abstract

This study examines the mechanism of Islamic Coin as a sharia-compliant cryptocurrency developed to align with the principles of Islamic commercial jurisprudence (fiqh muamalah). The emergence of Islamic Coin responds to the growing interest of Muslim communities in halal digital assets and the need for modern financial instruments that uphold justice, transparency, and the avoidance of gharar, riba, and maysir. Using a qualitative approach and a case study method, this research analyzes the concept, operational structure, and sharia compliance level of Islamic Coin operating within the HAQQ Network. Core mechanisms such as the Shariah Oracle, the Proof of Stake model, and the allocation of social funds through the Evergreen DAO demonstrate efforts to establish a sharia-based digital ecosystem. However, challenges arise from limited adoption, lack of user experience, and the need for clearer contractual agreements to ensure that transactions are not merely labeled as “sharia-compliant” but truly adhere to Islamic legal principles. The findings indicate that Islamic Coin holds potential as a halal and equitable digital financial instrument, though further enhancement in regulation, education, and mechanism transparency is required for broader acceptance among Muslim communities.
A Sharia Economic Law Review of the Contract for the Use of the Duha Syariah Application Amri, Khairul; Ramadhan, Muhammad Hakim; Hidayat, Fahmi Taupik; J, Jaenudin; Herdiana, Dian
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

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.
Analisis Penerapan Hukum Ekonomi Syariah terhadap Skema Komisi dan Bonus pada Platform Evermos Maharani, Dinda Fiachsania; Alifa, Rannan Salma; Andrian, Devi; J, Jaenudin; Herdiana, Dian
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.
Definisi Kebijakan Publik Menurut Ahli: Perbandingan Dan Penerapannya Dalam Penelitian Kebijakan Publik Herdiana, Dian
Menulis: Jurnal Penelitian Nusantara Vol. 1 No. 12 (2025): Menulis - Desember
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/menulis.v1i12.741

Abstract

Kebijakan publik menempati posisi sentral dalam kajian ilmu sosial, khususnya ilmu Pemerintahan dan Administrasi Publik, namun dalam realitasnya adanya keragaman definisi di kalangan ahli sering menimbulkan ambiguitas konseptual yang berimplikasi pada bias analisis dan kegagalan implementasi secara praktis di lapangan. Artikel ini bertujuan untuk mengkompilasi dan menyintesiskan berbagai perspektif teoretis mengenai pengertian kebijakan serta menganalisis relevansi praktisnya. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kepustakaan (library research) yang mana data sekunder dari berbagai literatur yang relevan dianalisis melalui mekanisme verifikasi bertingkat (check, re-check, dan cross-check). Hasil penelitian menunjukkan bahwa variasi definisi mulai dari kebijakan publik sebagai keputusan otoritatif, rangkaian tindakan purposif, hingga alokasi nilai memiliki konsekuensi langsung terhadap pilihan instrumen kebijakan, desain implementasi, dan indikator evaluasi. Cara kebijakan publik didefinisikan secara fundamental menentukan bagaimana kebijakan publik dipraktikkan dan dievaluasi, pemahaman yang tepat mengenai definisi membantu para praktisi dan peneliti untuk menjembatani kesenjangan antara konsep teoretis dan solusi praktis yang efektif.
Transformasi Digital Pegadaian Syari’ah: Tinjauan Ulang terhadap Akad Rahn dan Ijarah dalam Layanan Gadai Online Farhanah, Farida Afnan; Nurrohmah, Lia; Destari, Ridha Nuri; J, Jaenudin; Herdiana, Dian
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.17852693

Abstract

Digital transformation at Pegadaian Syariah is an important step in responding to technological developments and the public’s need for fast and efficient financial services. Through the Pegadaian Digital Service (PDS), pawn transactions can now be conducted online without compromising sharia principles. This study aims to examine how the Rahn and Ijarah contracts are implemented in online pawn services and to assess their compliance with the provisions of fiqh muamalah and legal regulations in Indonesia. The method used is a qualitative approach with a literature study, involving analysis of DSN-MUI fatwas, Islamic economics literature, and official documents from Pegadaian Syariah. The results of the study show that the implementation of the Rahn and Ijarah contracts in digital form fulfills sharia requirements because it is transparent, uses valid electronic signatures, and operates under the supervision of the Sharia Supervisory Board (DPS). This digital transformation not only increases the efficiency and security of services but also expands public access to sharia-compliant finance and supports the realization of maqashid sharia, namely public benefit and justice in modern economic transactions.
Analisis Preskriptif Hukum Ekonomi Syariah terhadap Praktik Pengenaan Biaya Administrasi QRIS pada Usaha Mikro Purwono, Muhammad Azhar Firdaus; Dzakir, Muhammad Najwan; Fuad, Hanif Jayidul; Imtiyaz, Mohammad Alqis Fawwazil; J, Jaenudin; Herdiana, Dian
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.
Analisis Kepatuhan Syariah dalam Praktik Bisnis Network Marketing Studi Kasus: PT Bandung Eco Sinergi Teknologi (PT BEST) Aulia, Muhammad Azkal; Usfantoro, Meyga Nurcahyo; Imdaduloh, Aurel; J, Jaenudin; Herdiana, Dian
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.17840772

Abstract

The rapid growth of multi-level marketing (MLM) companies in Indonesia, including those claiming to adopt a sharia-based system, raises questions regarding the conformity of their business mechanisms with Islamic economic law principles. This study aims to analyze the level of sharia compliance in the network marketing practices of PT Bandung Eco Sinergi Teknologi (PT BEST). A qualitative approach with a descriptive-analytical method is employed to examine PT BEST’s business system based on muamalah principles and the provisions of DSN-MUI Fatwa No. 75/DSN-MUI/VII/2009 on Sharia-Compliant Multi-Level Direct Selling. Primary data were collected through interviews with distributors and management, observations of training and marketing activities, and documentation studies of company regulations and bonus schemes. The findings indicate that PT BEST has made efforts to implement a sharia-compliant network marketing model by providing real and beneficial products and explicitly avoiding riba-related practices. However, several aspects still require improvement, particularly the balance between product sales and member recruitment, the transparency of bonus distribution, and the effectiveness of sharia supervision. The study concludes that PT BEST’s business system partially fulfills sharia principles and offers recommendations for strengthening more ethical, transparent, and equitable network marketing practices.
Implementation of Digital Zakat Payments at the National Amil Zakat Agency (BAZNAS) of Bandung City Munajat, Muhammad Istajib; Algiani, Jimi Malik Bin; Roihansyah, Muhammad Sahrul; J, Jaenudin; Herdiana, Dian
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

Abstract

This study aims to examine the implementation of digitalization in the zakat payment system at BAZNAS Bandung City and its impact on management efficiency and community engagement. The rationale behind this investigation stems from the necessity for zakat organizations to embrace technological advancements to enhance transparency, accountability, and service accessibility. The methodology used is qualitatively descriptive, involving interviews, observations, and documentation from BAZNAS stakeholders and digital service users. The findings indicate that the deployment of the BAZNAS Digital Office framework and additional digital platforms has facilitated zakat payments, expanded the scope of collection, and improved transparency in distribution processes. Moreover, digitalization has encouraged the involvement of non-civil servant communities in consistent and effective zakat practices. Nevertheless, challenges remain, including limited digital literacy, technical malfunctions, and concerns regarding data security. In summary, the digital transformation of zakat at BAZNAS Bandung City represents a significant step toward contemporary, efficient, and accountable zakat administration. Enhancing human resource capacity and system security is crucial to maintaining public trust. Practically, this study underscores the importance of collaboration between zakat institutions and the technology sector to strengthen the social impact of zakat in the digital era.
Analisis Penerapan Prinsip Muamalah dalam Operasional Hotel Syariah (Savindra Residence) Ali Fikri, Muhammad; Maulana, Muhammad Iqbal; Putri H, Hana; J, Jaenudin; Herdiana, Dian
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.17828756

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.
An Islamic Economic Law Analysis of Online Almsgiving Practices through the Digital Platform in the Dompet Dhuafa Application Dwiyulianthi, Anisya; Sofyanti, Rahma Siti; J, Jaenudin; Herdiana, Dian
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.17840961

Abstract

This study analyzes the implementation of online almsgiving (sedekah) on the Dompet Dhuafa platform from an Islamic sharia perspective using a qualitative approach with a descriptive method supported by in-depth interviews. The findings show that online almsgiving complies with sharia principles based on the Qur’an, Hadith, and fiqh rules that permit the use of technology as a means of worship. The system operates through an integrated digital platform with transparent mechanisms, oversight by a Sharia Supervisory Board, and independent audits with an unqualified (WTP) opinion. Online almsgiving significantly increases the number of donors due to accessible features, wide outreach, and efficient processes. Challenges include varying levels of digital literacy, technical limitations, and public concerns regarding sharia validity. These are addressed through continuous education, enhanced security, maximum transparency, and hybrid service models. The study concludes that digital transformation in almsgiving demonstrates Islam’s adaptability while upholding sharia values and optimizing the potential of Islamic philanthropy for greater social impact in the digital era.
Co-Authors Abdillah, Falah Haikal Adriansyah, Reysheeka Kayla Fitriani Adurrofiq, Muhammad Naufal Is Afifah, Lulu Siti Agi Ginanjar Agni, Saharani Nurul Agustiyani, Riva Esya Ahmad Fauzan Al Ghifari, Abdul Halim Al Mubarok, Muhammad Gufron Al-Fathir, Rizieq Ahmad Algiani, Jimi Malik Bin Alhakim, Agisna Malik Ali Fikri, Muhammad Ali, Adlan Alia Pratiwi Alifa, Rannan Salma Aliyah, Rosmatun Alizam, Nur Almalik, Sulthan Arfa Alzahra, Silva Amalina, Tiara Nur Ambia, Fadia Syaira Nur Amin, M. Rafli Aulia Analez, Hanuna Huwaida Andhini, Moja Restu Andri Setiawan Andrian, Devi Ani, Yulfi Hari Ansori, Tuah Harti Aprilia, Nabilah Nur Aprilianti, Dwi Arrasyidin, Alif Mukti Asro, Muhammad Attibyan, Muhammad Ulwanul Umami aulia, Ajeng Aulia Julianti Aulia, Dini Aulia, Muhammad Azkal Aulia, Resha Atkya Awaliyah, Maharani Awani, Renada Azizah, Iffah Azizah, Nayla Azizah, Siti Amalia Azzahra, Nazma Maulidia Bachtiar, Zahra Amelia Badriyah, Azzahra Lailatul Bariyyah, Zulfa Hoirul Bobang Noorisnan Pelita Bobang Noorisnan Pelita8 Caesar, Fajar Dawami, Affan Fadly Deni Budiman, Deni Deristianzah, Dendi Tegar Destari, Ridha Nuri Dewi, Anti Maula Dewi, Devi Silvia Dharsa, Adji Mohammad Diantha, Kineisha Malika Priya Dinda Melayu Diningrum, Asnia Putri Durrotunnafisah, Didah Dwiyulianthi, Anisya Dzakir, Muhammad Najwan Dzikriana, Fatih Eka, Angka Wijaya Evi Susanti Fadilla, Asifa Nurul Fajrani, Zaki Farhanah, Farida Afnan Faridah, Leni Fasha, Syahwa Aulia Fatimah Azzahra Fauzan, Riva Akmalul Fauzi, Safrizal Fauziah, Neng Siti Karimah Fauziyah, Salwa Febriyani, Rizka Aulia Fikha Fauziah Al Amir Fikri Puja Kesuma Fikri, Muhammad Ali Firdaos, Fikri Fitri, Irene Raydilla Fuad, Hanif Jayidul Fuadi, Muhammad Hafiz Rasinul Gantina, Anna Delfianty Ginanjar, Agim H, Hana Putri Haerunisa, Neida Hafid, Cep Abdul Hafidzatunnaimah, Hana Hafsah, Qotrun Nada Haikal, M. Awalul Haikel, Muhammad Husain Hakim, Muhammad Taufiqul Hanif, Muhammad Ikhwan Hanipah, Soffia Hapiz, Mutiara Hayya, Agnia Jahrotul Hazmi Hasbullah Hamzah Hermawan, Adriyansyah Hidayat, Fahmi Taupik Hidayatullah, Fajri Hilmia Zahratunnisa Hilwa Amatullah Afifah Huzaini, Ahmad I, Iryanudin Ibrahim, Dhafin Al Idris Idris Iif Syarifudin Ikyan, Adzka Ilham Maulana Ilham Zam Zamy Imdaduloh, Aurel Imtiyaz, Mohammad Alqis Fawwazil Indah, Reffa Cempaka Indri Handayani Irfan, Muhammad Nadirul Iskandar Iskandar Iskandar, Sarah Minnurillah Ismail, Muhammad Al-Fath J, Jaenudin Jaenudin Jamal, Cecep Ali Jamaludin, Jujun Jannah, Hadiqotul Jasmine Kaylla Gemilang Javier, Zaky Muhammad Johari, Gifani Sri Kabaih, Haifan Kamil, Najwa Naila Rahma Khaerunnisa, Rani Khairul Amri Khoirunnisa, Citra Kholisah Komariah, Yani Kurniawan, Fauzan Fakhrurozi Lukman Stone Denche Agus P Lukmanul Hakim M Azmi Rivaldi M Fikry Haikal M Rafli Putra Panggarbesi Maharani, Dinda Fiachsania Malik, Muhammad Raihan Abdul Mamduh, M. Ajril Faiz Mardiyah, Ula Nazhiatul Mariah, Salipah Jumatul Maris, Hanif Muwahhid Marlina, Nina Marliza, Zeny Marsyadina, Salwa Maulana Akbar, Ahmad Zaki Maulana, Acep Ridwan Maulana, M. Irfan Maulana, Muhammad Hilman Maulana, Muhammad Iqbal Maulida, Isda Maulida, Putri Zahra Maulidi, Robby Ahmad Meilani, Windi Moch Aditya Pebriyadi Mochammad Ilham Fatah Mochammad Imron Awalludin Moehtaram, Afwan Moh. Rijki Maulana Muhammad Abna Rifaah Muhammad Kamil Muhammad Ridwan Muhammad, Fadil Muhammadiah Muhammadiah, Muhammadiah Mujtahid, Iqbal Miftakhul Mulkan, Muhammad Rizqi Azis Mulyana, Rizki Munajat, Muhammad Istajib Munawar, Aini Nurazijah Musaffa, Farhan Muthmainah, Fahira Qolbu Mutmainah, Alya Nur Mutmainnah, Mumtaz Zayyin Muttaqin, Ghazy Nufal Nabila, Hilma Saniyya Nani Kurniasih Nasrudin Nataniela, Shira Putri Neni Nuraeni, Neni Neviana Soleha Nisa, Safina Ainun Niscahyo, Dwi Ratno Nuraeni, Fitria Nurafni, Restu Nuraini, Safitri Nurmalasari, Neneng Nurrahman, Aditiya Nurrohmah, Lia Nurul, Supriatna Nuruzzaman, Muhamad Oktaviano, Giovani Pahman, Ilham Permana, Geger Posumah, Wendy Marlin Pratama, Gilang Adi Pratusha, Puspa Dewi Purwono, Muhammad Azhar Firdaus Putra, Rivan Nurvadila Putri H, Hana Putri, Astian Putri, Dhea Anisa Putri, Femi Chantika Putri, Riska Fitri Anggina Qithrotun Nada Rafie, Muhammad Hafiz Ahza Rahayu, Annisa Sri Rahmala, Pramadita Rahmawati, Lina Nuraeni Raikhansyah, Arrafi Ramadan, Muhammad Farhan Ramadan, Rafi Putra Ramadhan, Dio Ramadhan, Fakhziar Ramadhan, Luthfi Haikal Ramadhan, Muhammad Hakim Ramadhan, Muhammad Nurfaidh Ramadhan, Muhammad Syafiq Ramadhani, Muhamad Fikry Ramadhani, Octy Rizky Ramdani R, Ramdani Raya, Muhammad Aditya Razaki Persada Retno Ningrum, Fatima Revaldi, Yasa Riyadhoh, Rofi Rohman, Muhammad Habibur Roihansyah, Muhammad Sahrul Rosadi, Aditya Rusli, Fanisa Asyatilah S, Suhendar Sabrina, Bilqis Ayu Sadiah S, Siti Sadikin, Gelby Nuranisa Sahitya, Nadia Putri Salsabila, Najwa Naila Salsabila, Susan Sanusi, Muhammad Ilham Satria, Maulana Sa’diyah, Safna Sendi Prayoga Septia, Livia Pijar Setia Pratama, Muhammad Ramadhan Setiadi, Aneza Putri Shaafia, Amanda Shasa, Shasa Shibghotullah, Miqdar Sholehah, Rayhanun Sibgah, Lalah Siti Julaeha, Siti Siti Nur Khasanah Siti Nurhasanah Siti Sa’diah, Diah Siti Sofiah Siti Widharetno, Mursalim Sofyanti, Rahma Siti Sri Yona Sri Yuniarti, Vinna Sri, Neng Suci, Imelda Aulia Sumiati Sumiati Susilawati, Cucu Syabani, Rafie Muhammad Syaharani, Riffi Aulia Syahputra, Rivaldi Dwi Syaqieb, Albar Syauqi Midadan Da’iyan Ilallah Syuhada, Muhammad Nabil T, Tamami Tadzkir Putri, Sri Ratu Bulqiyah Tantowi, Ilham Muhammad Tendi Rustandi Tuti Herawati Umi Kulsum Usfantoro, Meyga Nurcahyo Utami, Septya Rizki Uyun, Malihatul Vadhilah, Vina Widyadhana, Hana Wildan, Dede Winata, Arif Wulandari, Shalsa Sri Zahra, Albani Muhamad Ze, Mhd. Haqqil Zulkipli, Muhammad