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All Journal Katalogis Lex Jurnalica (Ilmu Hukum) ASAS : Jurnal Hukum Ekonomi Syariah Nurani: Jurnal Kajian Syariah dan Masyarakat IJIBE (International Journal of Islamic Business Ethics) Jurnal Al-Qardh Al-Iktisab: Journal of Islamic Economic Law Istinbath: Jurnal Hukum dan Ekonomi Islam PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Yudisial Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Ekuivalensi Dinasti International Journal of Digital Business Management Jurnal Sains Agro Akrab Juara : Jurnal Ilmu-ilmu Sosial Mendapo: Journal of Administrative Law Journal Peqguruang: Conference Series Baselang: Jurnal Ilmu Pertanian, Peternakan, Perikanan dan Lingkungan Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Pustaka Aktiva : Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Valuta International Journal of Contemporary Islamic Law and Society Proceeding ISETH (International Summit on Science, Technology, and Humanity) Dikdimas : Jurnal Pengabdian Kepada Masyarakat International Journal of Education, Language, Literature, Arts, Culture, and Social Humanities Indonesian Journal of Islamic Economic Law Suhuf: International Journal of Islamic Studies Pinisi Journal Pendidikan Guru Sekolah Dasar
Isman, Isman
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Proceeding ISETH (International Summit on Science, Technology, and Humanity)

 1 
Artificial Intelligence in Islamic Finance: Maintaining Islamic Ethics with the Maqasid al-Shariah Framework Harits, Muhammad; Isman, Isman
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Purpose: This study aims to analyse the application of AI in Islamic economics, identify emerging ethical challenges, and offer a maqasid al-shariah-based framework as a guide for sharia-compliant AI implementation. Methodology: The method used is a qualitative approach through a literature review to examine previous studies on the integration of AI in Islamic finance. Results: The results show that AI can improve operational efficiency, reduce costs, and expand access to Islamic financial services, especially for the unbanked and underbanked. However, the application of AI faces difficulties in aligning algorithms with sharia principles, particularly in terms of fairness and strict sharia supervision. Applications/Originality/Value: The novelty of this study is the proposal of a conceptual framework based on maqasid al-shariah that can ensure the ethical application of AI in accordance with Islamic values.
Legal Protection for Members of The Sharia Savings and Loan Cooperative Soekarno, Rohmat; Isman, Isman; Yuspin, Wardah
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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This article examines legal protection for members of Islamic savings and loan cooperatives in the event of default due to mismanagement, resulting in members being unable to withdraw their savings due to a lack of funds. The discussion focuses on the role of law in guaranteeing the restoration of members' rights and the need for legal certainty so that disputes do not drag on and do not only depend on the cooperative's internal mechanisms. The research uses a normative-empirical legal approach with qualitative analysis that links legal norms and institutional practices. The normative study is based on Law Number 25 of 1992 concerning Cooperatives and PermenKopUKM Number 8 of 2023, as well as the principles of muamalah in sharia economic law as an ethical and substantive framework. The analysis shows that, normatively, the management bears responsibility for losses incurred by the cooperative due to errors or negligence. However, the implementation of protection for members remains weak due to limited supervision, low transparency in reporting, weak auditing and administrative evidence, and the dominance of internal settlements that are not always independent. The absence of a cooperative deposit guarantee scheme increases members' legal uncertainty regarding their deposit rights and prolongs the recovery process. From a sharia perspective, this condition contradicts the principle of amanah and the objective of asset protection (hifz al-mal), thus requiring the strengthening of governance and accountability mechanisms. This article emphasizes the importance of effective supervision, adequate access to information for members, confirmation of management accountability, and enforceable dispute resolution mechanisms to ensure fair legal protection and certainty.
Literature Study on Zakat: Compilation of Factors Hindering Zakat Collection in Indonesia Jihad, Muhamad Ramdhani; Isman, Isman; Yuspin, Wardah
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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The high potential for zakat in Indonesia cannot be separated from the obstacles to its collection. This study aims to analyze and compile various factors that hinder the collection of zakat in Indonesia based on the results of a literature review of various previous studies. The method used is a literature review by examining scientific articles, zakat institution reports, relevant academic publications in the period 2020-2025, as well as through interviews with relevant and knowledgeable sources on zakat issues in their surroundings. The results of the study show that low public awareness and literacy regarding zakat, lack of trust in Zakat Institutions, the quality of Amil human resources, uneven governance and infrastructure, legal obstacles, and the dual function of BAZNAS are the biggest factors hindering zakat collection in Indonesia. This research contributes to strengthening the national zakat collection strategy by emphasizing the importance of increasing public literacy and awareness of zakat, along with improving the quality of Zakat Institutions to strengthen public trust, and strengthening collaboration between the government, BAZNAS, and Zakat Institutions (LAZ) in Indonesia.
مقاطعة المنتجات الداعمة لإسرائيل بين التضامن الأخلاقي وواقع السوق: تحليل نقدي متعدد الأبعاد لفجوة الوعي الرمزي والأثر البنيوي في سلوك المستهلكين في الجنوب العالمي: Boycotting Products Pro-Israel: A Multi-Dimensional Critical Analysis of the Symbolic Awareness Gap and Structural Impact on Consumer Behavior in the Global South Annajaty, Abdulloh Yahya; Isman, Isman; Alam, Azhar
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Campaigns to boycott products related to Israel or support them are on the rise in the countries of the Global South as a political consumption behavior that combines moral solidarity and symbolic pressure on companies. However, the power of the campaign in the public sphere does not necessarily mean the power of the impact in the market or in the political-economic structures that support the conflict. This article aims to provide a multi-dimensional critical analysis of symbolic awareness gaps and structural impacts based on the current literature (2021–2025) on boycotts, political consumption, and digital activism, by reinforcing the theoretical framework with quantitative and qualitative evidence from studies in East Asia (Indonesia and Malaysia). This article uses a composite approach that includes: (1) a selective methodological review of recent research in accordance with defined transparency standards, (2) an interpretive model that combines Planned Behavior Theory (SDP), Social Identity Theory (SIT), and a political economy approach to global value chains (GVCs), (3) comparative analysis supported by field evidence on the role of religiosity, perceived efficiency, and and local alternatives in converting intentions into actual behaviors. The article concludes that to reduce the gap, boycotts must be transformed from moral indicators to market governance tools based on supply chain transparency, support programs for local alternatives, and ESG accountability mechanisms.
ضوابط الكسب الحلال عبر المنصات الرقمية: دراسة فقهية تحليلية في عصر اقتصاد المنصات: Limitations of Making a Halal Livelihood through Digital Platforms: An Analytical Fiqh Study in the Platform Economy Era Nugroho, Itsnaini Bambang Hasto; Isman, Isman
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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This research aims to explore the sharia principles that govern economic activities in the "Platform Economy", which has become a key pillar in the contemporary global financial system. The problem of this research arises from the rapid development of digital business models and their relationship with the alleged gharar (obscurity), jahalah (ignorance), and usury, which requires the renewal of fiqh in accordance with these developments. This study uses a descriptive approach to analyze the working mechanism of the platform, as well as a deductive analytical approach to apply general fiqh rules to emerging digital problems. This study concludes that the profits obtained through digital platforms are subject to basic principles, the most important of which are: the halalness of objects (services or goods), the transparency of contract algorithms to avoid jahalah, and the application of sharia rules in the legal control of digital assets. The study also emphasizes that the determination of fiqh platforms often falls between the status of brokers and paid agents, which requires regularity in formulating "terms of use" to ensure fairness in financial distribution. This research recommends the need for an international charter of ethics and sharia for digital platforms to strengthen the digital Islamic economy.
An Islamic Economic Review of The Pay Later Culture and Consumptive Lifestyle Rahmah, Avivi Kayla Bikratuna; Isman, Isman
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Purpose: This study aims to: a) analyze Islamic economic law regarding transaction mechanisms and penalties in paylater services in Indonesia based on the principles of the DSN-MUI fatwa. b) describe the influence of paylater culture on consumptive lifestyle behavior from an Islamic economic perspective. Methodology: This research is qualitative in nature and descriptive-analytical in scope. The technique used is documentation study or literature study. Results: 1) The Islamic economic law review of transaction mechanisms and penalties in paylater services in Indonesia based on the principles of the DSN-MUI fatwa is as follows: paylater services are permitted as long as they do not conflict with sharia principles, namely avoiding elements of usury, gharar (uncertainty), maysir (gambling), tadlis (deception), dharar (harm), and zhulm (injustice). And in order for the paylater system to be in accordance with sharia, the services must use valid contracts, including: Murabahah or Bay' Bithaman Ajil, Qardh, Ijarah, Wakalah bi al-Ujrah. 2) The influence of paylater culture on consumptive lifestyle behavior from an Islamic economic perspective causes Muslims to fall into: a) Israf (extravagance) b) Tabdzir, c) Neglect of Priority Scale Applications/Originality/Value: With the convenience of this pay later service feature, many Muslims, especially young people, have become complacent and less attentive to how religion regulates it. Therefore, this topic needs to be reviewed in order to add to the Sharia literature.
تنفيذ عقد الوكالة بالأجرة في المعاملات التجارية الرقمية: Execution of Agent Contracts in Return in Digital Trading Transactions Naufal, Fadlurrahman; Isman, Isman
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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This article aims to analyze the importance of agent contracts in exchange in trading transactions in the digital age. This study uses a qualitative approach through literature studies as a research method, with data sources consisting of publications and literature references. The type of data used is descriptive data in the form of text and documents taken from published sources. Data is collected by tracing and studying the source of those libraries, while analytical descriptive analysis is used to process the data. The results of the study show that agent contracts in exchange are one type of contract that can be accepted as a sharia solution in trade transactions in the digital era, because it makes it possible to avoid trade transactions that fall into the elements of riba and gharar. An agent-for-reward contract is defined as a power of attorney contract in which a person authorizes another person to perform a specific job or transaction in exchange or an agreed wage. Based on this concept, the existence of rewards or wages related to the payment process in transactions or as compensation for certain work is considered valid in Islamic economics, and does not fall under the category of usury, but is considered a legitimate wage (salary).
Murabahah Default Dispute From the Perspective of Maqashid Syariah (Case Study Decision No. 01/Pdt.G.S/2021/PA. Kph) Isman, Isman; Rosyidah, Atania Saida El
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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The verdict of the Kepahiang Religious Court, Case Number 01/Pdt.G.S/2021/PA.Kph, reflects a tension between the formalistic application of positive law and the values of maqāṣid al-sharīʿah, which emphasize justice and preventive benefit in resolving Islamic economic disputes. This study aims to analyze the legal considerations and the construction of maqāṣid al-sharīʿah in a murābaḥah contract default case by examining the consistency between the judge’s legal reasoning and the principles of maqāṣid al-sharīʿah, namely ḥifẓ al-māl (protection of wealth), ḥifẓ al-‘aqd (protection of contract), and ḥifẓ al-‘adl (protection of justice). Employing a normative-juridical method with a case-conceptual approach and content analysis of the Compilation of Sharia Economic Law (KHES), the Indonesian Civil Code (KUHPerdata), and DSN-MUI Fatwas, the study finds that the judge adopted systematic and grammatical interpretation through legal logic techniques such as subsumption, exclusion, derogation, and non-contradiction. However, the ruling remains curative and mechanistic in nature, as it primarily focuses on punitive measures for contractual breach. These findings reveal an epistemic disparity between the formal rationality of positive law and the preventive, benefit-oriented rationality of sharīʿah. This research contributes by proposing a maqāṣidic legal reasoning framework as an integrative paradigm to reconcile the rationality of positive law with the ethical rationality of maqāṣid al-sharīʿah in the practice of Islamic economic adjudication in Indonesia.
Co-Authors Abdul Jalal, Ridwan Adam Adam Aidul Fitriciada Azhari Alisro, Umpi Amran Amran Annajaty, Abdulloh Yahya Ardiansyah, Ari Ashabul Kahpi Azhar Alam Bafana, Faiz Adib Bahriyah, Khoirul Eny Purwandari Fatoni, Muhammad Darul Febriyanto, Ridwan Firman, Muhammad Syafry Harahab, Delila Fitri Harits, Muhammad Henrizal, Erick Muhammad Hertati, Rini Ikram Ikram Ilham AR, Ilham AR Indriyani, Latifah Jihad, Muhamad Ramdhani Kelik Wardiono Khairat, UL Kurniati, Arni Lukman S. Thahir Lukman S. Thahir M Junaidi, M Mahpizal, Ripal Mamdukh Budiman Mani, Dwi Mutiara Kintan Muhammad Irkham Firdaus Murti, Wahyu Musyarofah, Yola Muthoifin Naufal, Fadlurrahman Novita Novita Nugroho, Itsnaini Bambang Hasto Nurfaizah Nurfaizah, Nurfaizah Prastia, Budi Purwaningsih, Rista Rahardjo, Trisno Rahmah, Avivi Kayla Bikratuna Reyhan, Muhammad Reyhan Ridwan, Ridwan Risdayani, Risdayani Rismawati, Eva Nur Risnawati Risnawati Rizka Rizka, Rizka Rohman, Saefur Rosyidah, Atania Saida El Sabbakha, Zuma Alif Zulfikar Salsabila, Azka Saputra, Yusup Sari, Resi Dwi Jayanti Kartika Setiawan, Muhammad Dicki Soekarno, Rohmat Sumarahinsih, Andrijani Syamsiar, Syamsiar SYAMSUL HIDAYAT Usdar Suwandi Wardah Yuspin Widodo, Prima Ariyo Yanuri, Yusuf Rohmat Yeni, Misra Yeni. R, Misra Yudha, Abdi Prawira Yudhi Novriansyah, Yudhi