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Tinjauan Fikih Muamalah terhadap Klausula Denda Keterlambatan Penyerahan Barang pada Transaksi PO di TikTok Shop Ahmad Reyhansyah Ashadi; Arif Rijal Anshori; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law 57-64
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.24809

Abstract. This study examines the late-delivery penalty clause applied to Pre-Order (PO) transactions on TikTok Shop from the perspective of muamalah jurisprudence. The rapid growth of PO transactions has been accompanied by frequent delivery delays that disadvantage buyers, prompting TikTok Shop to include a penalty clause in its Seller Terms of Service whose conformity with Islamic contract law has not previously been examined. This research aims to identify the provisions of the clause and analyze them according to classical and contemporary muamalah scholarship. A qualitative method with a descriptive-analytical normative-juridical approach was used. Secondary data were drawn from primary legal sources (the Qur'an, hadith, classical fiqh texts, DSN-MUI Fatwa No. 43/2004, and the OIC Fiqh Academy Resolution No. 109/2000), secondary sources (books and journals), and TikTok Shop's official documents, collected through literature and documentary study and analyzed through data reduction, display, and conclusion drawing. The findings show that PO transactions fulfill the pillars of a valid salam contract. The penalty clause, an automatic minimum Rp25,000 voucher applied without proof of actual loss, is better classified as syartul jaza'i than ta'widh. Classical scholars tend to prohibit time-linked penalties as a form of riba, while contemporary scholars permit them if proportional and free of riba. The clause is concluded to be mubah bi al-syuruth, requiring refinement of its compensation form, proportionality, penalty cap, and force majeure provisions. Abstrak. Penelitian ini mengkaji klausula denda keterlambatan penyerahan barang pada transaksi Pre-Order (PO) di TikTok Shop dari perspektif fikih muamalah. Pesatnya pertumbuhan transaksi PO kerap diiringi keterlambatan penyerahan barang yang merugikan pembeli, sehingga TikTok Shop mencantumkan klausula denda dalam Syarat dan Ketentuan Layanan Penjualnya, namun kesesuaiannya dengan hukum akad Islam belum pernah dikaji. Penelitian ini bertujuan mengidentifikasi ketentuan klausula tersebut dan menganalisisnya menurut pandangan ulama klasik dan kontemporer. Metode yang digunakan adalah kualitatif dengan pendekatan yuridis normatif yang bersifat deskriptif-analitis. Data sekunder bersumber dari bahan hukum primer (Al-Qur'an, hadits, kitab fikih klasik, Fatwa DSN-MUI No. 43/2004, dan Qarar Majma' al-Fiqh al-Islami OKI No. 109/2000), bahan hukum sekunder (buku dan jurnal), serta dokumen resmi TikTok Shop, yang dikumpulkan melalui studi pustaka dan studi dokumentasi, kemudian dianalisis melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa transaksi PO memenuhi rukun akad salam sehingga sah sebagai akad salam. Denda berupa voucher minimal Rp25.000 yang berlaku otomatis tanpa pembuktian kerugian riil lebih tepat dikategorikan sebagai syartul jaza'i daripada ta'widh. Ulama klasik cenderung melarang denda yang dikaitkan dengan waktu karena berpotensi riba, sedangkan ulama kontemporer membolehkannya dengan syarat proporsional dan bebas riba. Klausula ini disimpulkan mubah bi al-syuruth, dengan catatan perlu penyempurnaan pada bentuk kompensasi, proporsionalitas, batas maksimum denda, dan ketentuan force majeure.

Tinjauan Maqashid Syariah dan UU No. 33 Tahun 2014 Tentang BPJPH terhadap Kewajiban Sertifikasi Halal pada Program Makan Bergizi Gratis di Kota Cimahi Nasywa Nathani Salsabila; Arif Rijal Anshori; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law 73-80
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.24899

Abstract. This study analyzes the implementation of halal certification obligations in the Free Nutritious Meal Program (MBG) in Cimahi City based on the Halal Product Assurance Law. The MBG program as a strategic policy of the government aims to meet nutritional needs, but faces a gap in compliance. It is recorded that only 9 out of a total of 63 (14.3%) Nutrition Fulfillment Service Units (SPPG) in Cimahi have halal certificates as of April 2026. Through a juridical-normative and qualitative approach, data was explored from literature studies and interviews with SPPG managers, BPJPH authorities, and MUI. The results of the study revealed that the root of non-compliance was purely structural obstacles such as the delay of third-party documents and long laboratory queues, not the legal literacy crisis. From the perspective of Maqashid Sharia, this obligation is essential to fulfill hifdz al-din (eliminating syubhat), hifdz al-nafs (preventing the danger of pesticide residues), and hifdz al-mal (accountability of state funds). The transition policy in the form of postponing administrative sanctions until October 2026 is considered to be in line with the principle of siyasah syar'iyyah to accommodate the unpreparedness of the state's service infrastructure which is currently not fully adequate. Abstrak. Penelitian ini menganalisis implementasi kewajiban sertifikasi halal pada Program Makan Bergizi Gratis (MBG) di Kota Cimahi berdasarkan Undang-Undang Jaminan Produk Halal. Program MBG sebagai kebijakan strategis pemerintah bertujuan memenuhi kebutuhan gizi, namun menghadapi kesenjangan kepatuhan. Tercatat hanya 9 dari total 63 (14,3%) Satuan Pelayanan Pemenuhan Gizi (SPPG) di Cimahi yang mengantongi sertifikat halal per April 2026. Melalui pendekatan yuridis-normatif dan kualitatif, data digali dari studi literatur serta wawancara pengelola SPPG, otoritas BPJPH, dan MUI. Hasil penelitian mengungkap bahwa akar ketidakpatuhan murni hambatan struktural seperti kelambatan dokumen pihak ketiga dan panjangnya antrean laboratorium, bukan krisis literasi hukum. Dalam perspektif Maqashid Syariah, kewajiban ini sangat esensial guna memenuhi hifdz al-din (menghilangkan syubhat), hifdz al-nafs (mencegah bahaya residu pestisida), serta hifdz al-mal (akuntabilitas dana negara). Kebijakan transisi berupa penundaan sanksi administratif hingga bulan Oktober 2026 dinilai sejalan dengan prinsip siyasah syar'iyyah untuk mengakomodasi ketidaksiapan infrastruktur pelayanan negara yang saat ini belum sepenuhnya memadai.

Pemetaan Penelitian Hukum Jual Beli Emas dalam Fikih Muamalah: Studi Bibliometrik Salma Saqina; Arif Rijal Anshori; Ifa Hanifia Senjiati
Bandung Conference Series: Sharia Economic Law 115-122
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25002

Abstract. The development of gold buying and selling transactions that have shifted to digital platforms has given rise to various legal issues in muamalah jurisprudence, particularly regarding the validity of digital *taqabudh* and the transparency of contracts. On the other hand, the increase in scientific publications on the law of gold buying and selling has not been followed by a systematic literature mapping, so that the development of studies and research opportunities are still difficult to identify. This study aims to analyze scientific publication trends, map research cluster themes, and identify research gaps in the law of gold buying and selling from the perspective of muamalah jurisprudence. The study uses a qualitative method with a literature study approach and bibliometric analysis. Secondary data was obtained from the AI Dimension database, then selected to produce 92 scientific journal articles for the period 2012–2025. The analysis was carried out using VOSviewer software through keyword co-occurrence network mapping. The results show that publications have increased significantly since 2019 and peaked in 2022. The bibliometric mapping resulted in three main clusters, namely digital gold studies and the implementation of DSN-MUI Fatwa No. 77/2010, a normative study of classical Islamic jurisprudence on usurious assets, and the implementation of contracts in Islamic financial institutions. This study concludes that there is still research related to the operational regulations of Islamic Gold Banks after Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector, the use of blockchain technology, and the implementation of AAOIFI standards as future research directions. Abstrak. Perkembangan transaksi jual beli emas yang beralih ke platform digital memunculkan berbagai persoalan hukum dalam fikih muamalah, terutama mengenai keabsahan taqabudh digital dan transparansi akad. Di sisi lain, meningkatnya publikasi ilmiah mengenai hukum jual beli emas belum diikuti dengan pemetaan literatur yang sistematis sehingga perkembangan kajian dan peluang penelitian masih sulit diidentifikasi. Penelitian ini bertujuan menganalisis tren publikasi ilmiah, memetakan klaster tema penelitian, serta mengidentifikasi celah riset hukum jual beli emas dalam perspektif fikih muamalah. Penelitian menggunakan metode kualitatif dengan pendekatan studi kepustakaan dan analisis bibliometrik. Data sekunder diperoleh dari basis data Dimensions AI, kemudian diseleksi sehingga menghasilkan 92 artikel jurnal ilmiah periode 2012–2025. Analisis dilakukan menggunakan perangkat lunak VOSviewer melalui pemetaan jaringan kemunculan bersama kata kunci (keyword co-occurrence). Hasil penelitian menunjukkan bahwa publikasi meningkat signifikan sejak 2019 dan mencapai puncaknya pada 2022. Pemetaan bibliometrik menghasilkan tiga klaster utama, yaitu kajian emas digital dan implementasi Fatwa DSN-MUI No. 77/2010, kajian normatif fikih klasik mengenai barang ribawi, serta implementasi akad pada lembaga keuangan syariah. Penelitian ini menyimpulkan bahwa masih terdapat kesenjangan riset terkait regulasi operasional Bank Emas Syariah pasca-Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan, pemanfaatan teknologi blockchain, serta penerapan standar AAOIFI sebagai arah penelitian selanjutnya.

Analisis Penerapan Biaya Tambahan dalam Transaksi Jual Beli Menggunakan QRIS Berdasarkan PBI dan Fatwa DSN-MUI Yori Kemiain; Ira Siti Rohmah Maulida; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law 131-140
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25050

Abstract. The Quick Response Code Indonesian Standard (QRIS) has become the main pillar of digital payment in Indonesia, yet a number of merchants, particularly micro businesses, small food stalls, and street vendors, still impose an additional fee (surcharge) on consumers. This practice contradicts Bank Indonesia Regulation No. 23/6/PBI/2021 Article 52 paragraph (1), which prohibits transferring Merchant Discount Rate (MDR) costs to consumers, and it also intersects with DSN-MUI Fatwa No. 116/DSN-MUI/IX/2017 on Sharia Electronic Money. This study analyzes the provision on additional QRIS fees, examines it from the perspective of fiqh muamalah, and assesses the compatibility between the two provisions. A normative juridical method was used, combining a statute, conceptual, and comparative approach, with qualitative data from laws, fatwas, books, and journal articles gathered through library research, supported by interviews with consumers, merchants, and banks. The results show that Bank Indonesia Regulation No. 23/6/PBI/2021 fundamentally prohibits surcharges, yet the practice still occurs due to merchants' limited understanding. From the DSN-MUI Fatwa's perspective, surcharge practices are inconsistent with fairness, transparency, and maslahah. Both provisions share a common orientation toward consumer protection, indicating the need for stronger socialization, education, and supervision to align QRIS implementation with regulation and sharia principles. Abstrak. Quick Response Code Indonesian Standard (QRIS) telah menjadi salah satu pilar utama pembayaran digital di Indonesia, namun sebagian merchant, khususnya usaha mikro, warung makan kecil, dan pedagang kaki lima, masih membebankan biaya tambahan (surcharge) kepada konsumen. Praktik ini bertentangan dengan Peraturan Bank Indonesia No. 23/6/PBI/2021 Pasal 52 ayat (1) yang melarang pengalihan biaya Merchant Discount Rate (MDR) kepada konsumen, dan juga bersinggungan dengan Fatwa DSN-MUI No. 116/DSN-MUI/IX/2017 tentang Uang Elektronik Syariah. Penelitian ini bertujuan menganalisis ketentuan biaya tambahan transaksi QRIS tersebut, mengkajinya dari perspektif fikih muamalah, serta menilai kesesuaian antara kedua ketentuan. Penelitian menggunakan metode yuridis normatif dengan pendekatan perundang-undangan, konseptual, dan komparatif, dengan data kualitatif dari peraturan, fatwa, buku, dan jurnal melalui studi kepustakaan, didukung wawancara dengan konsumen, merchant, dan pihak bank. Hasil penelitian menunjukkan bahwa Peraturan Bank Indonesia No. 23/6/PBI/2021 pada dasarnya melarang surcharge, tetapi praktik tersebut masih terjadi akibat minimnya pemahaman merchant. Ditinjau dari Fatwa DSN-MUI, praktik surcharge tidak sejalan dengan keadilan, transparansi, dan kemaslahatan. Kedua ketentuan memiliki kesesuaian dalam menekankan perlindungan konsumen, sehingga diperlukan peningkatan sosialisasi, edukasi, dan pengawasan agar implementasi QRIS sesuai regulasi dan prinsip syariah.

Kesadaran Syariah terhadap Penggunaan PayLater pada Mahasiswa UIN Bandung dan UNISBA Citra Yustia Najla Nurghina; Arif Rijal Anshori; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law 141-148
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25054

Abstract. The rapid growth of PayLater services in Indonesia's e-commerce industry raises concern from the perspective of Islamic economic law, especially among students of Islamic universities who have already studied the concepts of riba and gharar in their curriculum. This gap between religious knowledge and daily financial behavior becomes the main issue of this research. This study aims to analyze the level of Sharia awareness among students of two Islamic universities in Bandung, namely UIN Bandung and UNISBA, regarding PayLater services, and to identify the patterns and factors influencing their decision to use it. A descriptive qualitative method was used, with semi structured interviews conducted on ten students who have used PayLater, and the data were processed using the Miles and Huberman interactive model. The result shows that students' Sharia awareness is fragmented into three patterns, namely critical awareness, ambiguous awareness, and unawareness, with the ambiguous pattern through the "pay on time" strategy being the most dominant among informants. Understanding of gharar is found much weaker than understanding of riba, shown by the habit of not reading terms and conditions before activating the service. The decision to use PayLater is mostly driven by ease of access, promotion, and urgent needs, rather than Sharia consideration. This condition reflects a fragmented Sharia awareness, where students' normative knowledge does not consistently align with what they actually practice in daily financial transactions. Abstrak. Pertumbuhan layanan PayLater yang begitu cepat di industri e-commerce Indonesia menimbulkan kekhawatiran tersendiri jika ditinjau dari sudut pandang hukum ekonomi syariah, terutama di kalangan mahasiswa perguruan tinggi Islam yang sebenarnya sudah mempelajari konsep riba dan gharar dalam perkuliahan. Kesenjangan antara pengetahuan agama dan praktik keuangan sehari-hari inilah yang menjadi persoalan utama penelitian ini. Penelitian ini bertujuan menganalisis tingkat kesadaran prinsip syariah mahasiswa UIN Bandung dan UNISBA terhadap layanan PayLater, sekaligus mengidentifikasi pola dan faktor yang memengaruhi keputusan penggunaannya. Metode yang digunakan adalah kualitatif deskriptif dengan wawancara semi terstruktur terhadap sepuluh mahasiswa pengguna PayLater, yang datanya diolah menggunakan model interaktif Miles dan Huberman. Hasil penelitian menunjukkan kesadaran syariah mahasiswa terbagi ke dalam tiga pola, yaitu kesadaran kritis, kesadaran ambigu, dan ketidaksadaran, dengan pola ambigu melalui strategi "bayar tepat waktu" menjadi pola yang paling banyak ditemukan pada informan. Pemahaman tentang gharar terbukti jauh lebih lemah dibanding pemahaman tentang riba, terlihat dari kebiasaan tidak membaca syarat dan ketentuan sebelum mengaktifkan layanan. Keputusan menggunakan PayLater lebih banyak didorong oleh kemudahan akses, promo, dan kebutuhan mendesak, dibanding pertimbangan syariah. Kondisi ini mencerminkan kesadaran syariah yang terfragmentasi, di mana pengetahuan normatif mahasiswa tidak selalu selaras dengan apa yang benar-benar mereka praktikkan dalam transaksi keuangan sehari-hari.

Analisis Pertimbangan Konsumsi Halal Mahasiswa Generasi Z dalam Persepektif Maqashid Syariah Silmi Camelia Ahmad; Arif Rijal Anshori; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 157-166
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25099

Abstract. Halal product consumption is a religious obligation and a reflection of Muslim awareness, yet awareness does not always align with consistent consumption behavior. This study aims to analyze the understanding, awareness, and considerations of halal consumption among Generation Z students from the perspective of Maqashid Syariah. The research employs a qualitative descriptive approach with in-depth interviews of ten informants from the Faculty of Dirasah Islamiyah, Universitas Islam Bandung, selected through purposive sampling. Data were analyzed using the interactive model of Miles, Huberman, and Saldana. The findings reveal that students possess strong halal awareness in cognitive and affective dimensions, but a gap exists in the conative dimension due to situational factors such as time pressure and excessive security from living in a Muslim-majority environment, a novel finding rarely addressed in previous studies. From the Maqashid Syariah perspective, students' consumption behavior has aligned with the five maqashid dimensions (hifz ad-din, hifz an-nafs, hifz al-aql, hifz an-nasl, hifz al-mal), although implementation still needs strengthening. This research contributes to the study of halal consumption behavior by highlighting specific situational factors within an Islamic campus environment. Abstrak. Konsumsi produk halal merupakan kewajiban syariat dan cerminan kesadaran Muslim, namun kesadaran tidak selalu sejalan dengan perilaku konsumsi yang konsisten. Penelitian ini bertujuan menganalisis pemahaman, kesadaran, dan pertimbangan konsumsi halal mahasiswa Generasi Z serta meninjaunya dari perspektif Maqashid Syariah. Penelitian menggunakan pendekatan kualitatif deskriptif dengan wawancara mendalam kepada sepuluh informan dari Fakultas Dirasah Islamiyah Universitas Islam Bandung yang dipilih secara purposive sampling. Analisis data menggunakan model interaktif Miles, Huberman, dan Saldana. Hasil penelitian menunjukkan mahasiswa memiliki kesadaran halal yang kuat pada dimensi kognitif dan afektif, namun terdapat kesenjangan pada dimensi konatif akibat faktor situasional seperti terburu-buru dan rasa aman berlebih di lingkungan mayoritas Muslim, temuan kebaruan yang belum banyak diangkat. Dari perspektif Maqashid Syariah, perilaku konsumsi mahasiswa telah mengarah pada kelima dimensi maqashid (hifz ad-din, hifz an-nafs, hifz al-aql, hifz an-nasl, hifz al-mal), meskipun implementasi perlu diperkuat. Penelitian ini memberikan kontribusi pada kajian perilaku konsumsi halal dengan menyoroti faktor situasional spesifik di lingkungan kampus Islam.

Analisis Hukum Ekonomi Syariah tentang Halal Fashion: Analisis Bibliometrik Mutiara Alya Syakira; Arif Rijal Anshori; Ifa Hanifia Senjiati
Bandung Conference Series: Sharia Economic Law 167-174
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25115

Abstract. The halal fashion industry has experienced rapid growth alongside increasing public awareness of the halal lifestyle and the development of the Islamic economy. This development is followed by the increasing number of scientific publications on halal fashion, Islamic fashion, and Islamic economic law and halal fashion. This study aims to analyze the trend of scientific publication development and to examine Islamic economic law on halal fashion based on bibliometric analysis. The research uses a qualitative method with a library research approach. Data were obtained from the Dimensions database for the period 2007–2026 and analyzed using bibliometric methods with the assistance of VOSviewer software. The results show that the trend of scientific publications on halal fashion increased by 59%, although it still fluctuated in several periods. The co-occurrence analysis identifies three main themes, namely halal fashion and halal lifestyle, consumer behavior, and halal industry development. From the perspective of Islamic Economic Law, the development of halal fashion research is related to normative, muamalah, and institutional dimensions, although studies specifically discussing Islamic Economic Law remain relatively limited. Abstrak. Industri halal fashion mengalami perkembangan yang pesat seiring meningkatnya kesadaran masyarakat terhadap gaya hidup halal dan pertumbuhan ekonomi syariah. Perkembangan tersebut diikuti dengan meningkatnya publikasi ilmiah mengenai halal fashion, Islamic fashion, dan Islamic economic law and halal fashion. Penelitian ini bertujuan untuk menganalisis tren pengembangan publikasi ilmiah serta menganalisis hukum ekonomi syariah tentang halal fashion berdasarkan analisis bibliometrik. Penelitian menggunakan metode penelitian kualitatif dengan pendekatan studi pustaka (library research). Data diperoleh dari database Dimensions periode 2007–2026 dan dianalisis menggunakan metode bibliometrik dengan bantuan perangkat lunak VOSviewer. Hasil penelitian menunjukkan bahwa tren pengembangan publikasi ilmiah mengenai halal fashion mengalami peningkatan sebesar 59%, meskipun masih berfluktuasi pada beberapa periode. Analisis co-occurrence menunjukkan tiga tema utama, yaitu halal fashion dan gaya hidup halal, perilaku konsumen, serta pengembangan industri halal. Berdasarkan perspektif hukum ekonomi syariah, perkembangan penelitian halal fashion berkaitan dengan dimensi normatif, muamalah, dan kelembagaan, meskipun kajian yang secara khusus membahas hukum ekonomi syariah masih relatif terbatas.

Analisis Maqashid Syariah pada Implementasi ESG Bank Syariah Indonesia Putri Azzahra; Arif Rijal Anshori; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 199-208
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25220

Abstract. This study analyzes the presentation of the Environmental, Social, and Governance (ESG) report of Bank Syariah Indonesia (BSI) for the 2024 fiscal year using the Maqashid Syariah Index (MSI). The urgency of this research lies in the limited number of studies that directly apply maqashid syariah indicators to Islamic banks sustainability reports, despite regulatory encouragement through OJK Regulation No. 51/POJK.03/2017 on sustainable finance. This study uses a qualitative method with a descriptive-analytical approach through content analysis. The object of research is the 2024 BSI Sustainbility Report, obtained through documentation study. Data were processed by scoring 44 indicators developed form the Bedoui framework across eight maqashid elements using a binary system (1 for disclosed, 0 for undisclosed), which were then tabulated and converted into a percentage index. The results show that BSI disclosed 23 of 44 indicators, producing an MSI score of 52,27%, categorized as medium. The highest score was found in the Protection of Self objective (80,00%), while the lowest was in the Protection of Human Life objective (44,44%). The findings indicate that institutional and narrative disclosures are presented adequately, while technical-quantitative disclosures and those related to qad-al hasan remain limited. Abstrak. Penelitian ini menganalisis penyajian laporan Environmental, Social, and Governance (ESG) Bank Syariah Indonesia (BSI) Tahun 2024 menggunakan Maqashid Syariah Index (MSI). Urgensi penelitian ini didasari oleh masih terbatasnya kajian yang secara langsung menerapkan indikator maqashid syariah untuk menilai laporan keberlanjutan bank syariah, meskipun regulator telah mendorong penerapannya melalui Peraturan OJK Nomor 51/POJK.03/2017 tentang Keuangan Berkelanjutan. Penelitian ini menggunakan metode kualitiatif dengan pendekatan deskriptif analisis melalui teknik analisis isi (content analysis). Objek penelitian adalah Laporan Keberlanjutan BSI Tahun 2024 yang diperoleh melalui studi dokumentasi. Pengolahan data dilakukan dengan penyekoran biner terhadap 44 indikator yang dikembangkan dari kerangka Bedoui pada delapan elemen maqashid (skor 1 jika terungkap, 0 jika tidak), yang selanjutnya ditabulasi dan dihitung menjadi persentase indeks. Hasil penelitian menunjukkan BSI mengungkapkan 23 dari 44 indikator, menghasilkan skor MSI sebesar 52,27% yang termasuk kategori sedang. Skor tertinggi diperoleh pada tujuan kunci Menjaga Diri Manusia (80,00%), sedangkan skor terendah pada tujuan kunci Menjaga Nilai Kehidupan Manusia (44,44%). Temuan ini mengindikasikan bahwa pengungkapan yang bersifat kelembagaan dan naratif telah disajikan secara memadai, sementara pengungkapan teknis-kuantitatif serta yang berkaitan dengan qard al-hasan masih terbatas.

Analisis Marketing Syariah terhadap Strategi Fake Order di Marketplace Shopee Mila Agustin; Arif Rijal Anshori; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 209-218
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25254

Abstract. This study analyzes fake order practices in the Shopee marketplace from the perspective of Islamic marketing (marketing syariah). Fake order is a strategy used by sellers to artificially inflate transaction counts, ratings, and reviews to build store reputation. This research uses a qualitative approach with yuridis empiris method, involving three informants: Erhaa (fashion store), Woodnesia (wood paint store), and D.FO (professional fake order service provider). Data were collected through semi-structured interviews via Zoom, non-participatory observation of Shopee store pages, and documentation. The findings reveal two main mechanisms: delivery of original products (Erhaa) and delivery of substitute goods (Woodnesia and D.FO). Analysis based on four marketing syariah principles shows that all practices are not fully aligned with the principles of honesty, justice, transparency, and blessing. Regarding tadlis, fake order does not meet its technical elements because the marketplace acts as a mediator providing consumer protection through return mechanisms and dispute resolution. Regarding najasy, fake order does not fulfill classical fiqh elements of najasy because there is no manipulation that results in price increases that financially harm consumers. This study concludes that fake order evaluation must be proportional and differentiated based on the mechanism used. Abstrak. Penelitian ini menganalisis praktik fake order di marketplace Shopee dalam perspektif marketing syariah. Fake order merupakan strategi yang digunakan penjual untuk meningkatkan jumlah transaksi, rating, dan ulasan toko secara tidak organik. Penelitian menggunakan pendekatan kualitatif dengan metode yuridis empiris, melibatkan tiga informan: Erhaa (toko fashion), Woodnesia (toko cat kayu), dan D.FO (penyedia jasa fake order). Data dikumpulkan melalui wawancara semi-terstruktur via Zoom, observasi nonpartisipatif terhadap halaman toko Shopee, dan dokumentasi. Hasil penelitian menemukan dua mekanisme utama: pengiriman produk asli (Erhaa) dan pengiriman barang pengganti (Woodnesia dan D.FO). Analisis berdasarkan empat prinsip marketing syariah menunjukkan seluruh praktik tidak sepenuhnya selaras dengan prinsip kejujuran, keadilan, transparansi, dan keberkahan. Dalam hal tadlis, fake order di marketplace tidak memenuhi unsur tadlis karena platform marketplace berperan sebagai mediator yang menyediakan perlindungan konsumen melalui mekanisme retur dan mediasi sengketa. Dalam hal najasy, fake order tidak memenuhi unsur najasy fikih klasik karena tidak terdapat rekayasa yang berdampak pada kenaikan harga yang merugikan konsumen secara finansial. Penelitian ini menyimpulkan bahwa penilaian fake order harus proporsional dan dibedakan berdasarkan mekanisme yang digunakan, bukan diperlakukan seragam.

Analisis Pemahaman Literasi Keuangan Syariah Generasi Milenial dan Generasi Z terhadap Risiko Skema Ponzi dalam Investasi Syariah melalui Perspektif Maqashid Syariah Humaira Aini Bilqis; Ira Siti Rohmah Maulida; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law 219-228
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25440

Abstract. This research is motivated by the prevalence of Sharia-labeled investments exhibiting Ponzi scheme characteristics, such as guaranteed fixed returns without clear risk mechanisms. This phenomenon highlights the importance of Islamic financial literacy for wealth protection (ḥifẓ al-māl) within maqāṣid Sharia, particularly for Millennials and Generation Z actively investing online. This study aims to analyze the Islamic financial literacy of both generations, identify differences in their understanding, and examine the correlation between Islamic financial literacy and awareness of Ponzi scheme risks. A descriptive qualitative method was employed using an empirical approach and Sharia normative analysis. The analysis focuses on three main indicators: knowledge, attitude, and behavior. The empirical approach maps social phenomena among Millennials and Gen Z, while the normative analysis evaluates respondents' behavior against Islamic Economic Law principles and ḥifẓ al-māl. The results indicate that respondents' Islamic financial literacy generally falls into the good to excellent categories. Millennials demonstrate stronger conceptual understanding of Sharia investments. Meanwhile, Gen Z excels in preventive behavior, particularly in verifying investment legality and utilizing digital information. Based on the research results, Islamic financial literacy serves as a vital instrument for wealth protection (ḥifẓ al-māl) by enhancing public awareness against fraudulent Ponzi scheme investments. Abstrak. Penelitian ini dilatarbelakangi maraknya investasi berlabel syariah berkarakteristik skema Ponzi, seperti janji keuntungan tetap tanpa kejelasan risiko. Fenomena ini menegaskan pentingnya literasi keuangan syariah untuk perlindungan harta (ḥifẓ al-māl) dalam maqāṣid syariah, khususnya bagi Generasi Milenial dan Generasi Z yang aktif berinvestasi secara daring. Penelitian ini bertujuan menganalisis pemahaman literasi keuangan syariah kedua generasi tersebut, mengidentifikasi perbedaan pemahamannya, serta mengkaji keterkaitannya dengan kewaspadaan terhadap risiko skema Ponzi. Metode yang digunakan adalah kualitatif deskriptif melalui pendekatan empiris dan analisis normatif syariah. Analisis difokuskan pada tiga indikator utama: pengetahuan (knowledge), sikap (attitude), dan perilaku (behavior). Pendekatan empiris memetakan fenomena sosial Generasi Milenial dan Gen Z, sedangkan analisis normatif mengevaluasi kesesuaian perilaku responden dengan prinsip Hukum Ekonomi Syariah dan konsep ḥifẓ al-māl. Hasil penelitian menunjukkan literasi keuangan syariah responden secara umum berada pada kategori baik hingga sangat baik. Generasi Milenial unggul pada pemahaman konseptual mengenai investasi syariah. Sementara itu, Generasi Z lebih menonjol dalam perilaku preventif, seperti aktif memverifikasi legalitas investasi dan memanfaatkan informasi digital. Berdasarkan hasil penelitian, literasi keuangan syariah terbukti berperan penting sebagai instrumen perlindungan harta (ḥifẓ al-māl) melalui peningkatan kewaspadaan masyarakat terhadap risiko investasi bodong berskema Ponzi.

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