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All Journal Ahkam: Jurnal Ilmu Syariah Al-'Adalah Nurani: Jurnal Kajian Syariah dan Masyarakat JURISDICTIE Jurnal Hukum dan Syariah AL QUDS : Jurnal Studi Alquran dan Hadis Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Peuradeun Journal of Economicate Studies Amwaluna Jurnal Ekonomi dan Keuangan Syariah Rayah Al Islam : Jurnal Ilmu Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Riwayah : Jurnal Studi Hadis Journal of Islamic Economics Lariba Islamic Economics and Business Review (IESBIR) Asian Journal of Islamic Studies and Da'wah Ziswaf Asfa Journal Strata International Journal of Social Issues Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Athoillah, Mohamad Anton
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Historicity of the Economic Verses on Fatwa of DSN-MUI about Sharia Electronic Money Athoillah, Mohamad Anton; Mohd Nor, Mohd Roslan; Khoiruddin, Heri; Rohimin, Rohimin
Jurnal Ilmiah Peuradeun Vol. 9 No. 1 (2021): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811/peuradeun.v9i1.545

Abstract

In the Quranic revelations period, the electronic money has not been known yet, but the National Sharia board-Indonesia Council of Ulama (DSN-MUI) has issued a fatwa and referred to the Quranic verses as one of its legal bases. The fatwa mentioned is fatwa Number: 116/DSN-MUI/IX/2017 about Sharia Electronic Money. This fatwa said that sharia electronic money is electronic money suitable with sharia principles. The verses in this fatwa were analyzed based on the historical background of revelation, to find out whether the legal basis for the fatwa is the verses related to economic activities or not. This study showed that the Quranic verses used as a legal basis for a fatwa on the sharia electronic money were not only the verses revealed in relation with the economic activity or the verses in which economic activity was implied, but also the Quranic verses revealed in relation with other activity in which the Islamic principles were implied, and then those Islamic principles have been applied in a fatwa about sharia electronic money.
PRODUCT INNOVATION OF SHARIA FINANCIAL INSTITUTION: THEORY REVIEW Mulyadi, Dedi; Athoillah, Mohamad Anton
Journal of Economicate Studies Vol. 1 No. 1 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (555.297 KB) | DOI: 10.32506/joes.v1i1.3

Abstract

Competitions in the financial industry are so tight that sharia banks can no longer simply rely on standard products to attract the public. The development of sharia banking products and services should not merely 'imitate' from conventional banking products. However, the development of this innovation product does not mean eliminating the principles of syariah let alone just be used as legal and administrative hilah to gain profit alone, on the grounds that Islamic banks are positioned as a financial intermediary institution based on business not a social institution. Based on these problems, the authors get some solution that is, development of innovation (product) is permitted when there is a stronger proposition and clarity of meaning contained therein, conformity with the purpose of sharia (maqashid al-syariah), and relevance to the development of the times and needs Human beings will transactions and modern contracts.
SAVINGS INVESTMENTS IN SHARIA BANKS IN THE PERSPECTIVE OF SHARIAH ECONOMIC LAW (CASE STUDY AT “BANK SYARIAH BUKOPIN”) Samsudin, Agus Rojak; Athoillah, Mohamad Anton
Journal of Economicate Studies Vol. 1 No. 2 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (158.774 KB) | DOI: 10.32506/joes.v1i2.175

Abstract

There are three motives a person to save funds through savings in the Conventional Bank: security, plans and investment. Implementation of interest system in Conventional banks is a very fundamental constraint for a Muslim to invest his funds in the bank. Because in the view of the scholars of the flower system is identical with the usury (riba) that is forbidden in Islam. It turns out long before the birth of money storage system in conventional bank interest, in classical fiqh literature known the concept and theory of al wadiah and mudharabah which is substantially no differences from the savings and investment savings offered by conventional banks. This paper discusses the theory, concepts and implementation of al wadiah as non-interest investment savings applied in sharia bank in the perspective of shariah economic law, by looking at case examples of the saving products of Bank Syariah Bukopin (BSB). It was found that all investment contracts in savings products offered by BSB were in accordance with the principles of shariah; as outlined in the Qur'an and Sunnah as the basis of Shariah, as well as Law Number 21 Year 2008 and Law no. 10 year 1998, Bank Indonesia Regulation (Peraturan Bank Indonesia [PBI]), Compilation of Islamic Economic Law (Kompilasi Hukum Ekonomi Syariah [KHES]) and Fatwa of National Sharia Board (Dewan Syariah Indonesia [DSN]) Indonesian Council of Ulama (Majelis Ulama Indonesia [MUI])
The Sumedang Larang Royal Waqf: Legal Perspective Rafiqi, Yusep; Suryanto, Asep; Athoillah, Mohamad Anton
AHKAM : Jurnal Ilmu Syariah Vol. 23 No. 2 (2023)
Publisher : Universitas Islam Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ajis.v23i2.29230

Abstract

The governance of royal waqf has not been addressed in Indonesian waqf laws and regulations. It also implies that the potential benefits of the waqf have not been sufficiently explored. Actually, the royal waqf has significantly contributed to the field of waqf by preserving cultural heritage and wisdom. This article demonstrates, through the testamentary waqf of Prince Aria Soeria Atmadja (Regent of Sumedang, 1883-1919 AD), the importance of waqf status and the insertion of royal relics into waqf legislation in Indonesia to ensure their perpetuity and benefit future generations. The research employs a normative empirical methodology, wherein the historical context, laws about waqf, and waqf legislation are substantiated through observations, elucidations, and discoveries concerning the cultural and customary aspects of waqf governance. This research on royal waqf can at least suggest two things: the inclusion of a discrete article in Indonesian waqf legislation addressing royal waqf and the significance of royal family relics as waqf. Abstrak: Wakaf keluarga kerajaan berikut tata kelolanya belum terakomodasikan dalam peraturan perundang-undangan wakaf di Indonesia. Hal ini berimplikasi pada nilai-nilai yang terkandung di dalam wakaf tersebut tidak tereksplorasi dengan baik. Padahal, wakaf keluarga kerajaan ini memiliki sumbangsih yang cukup besar dalam wakaf, di antaranya pelestarian kearifan dan cagar budaya. Dengan mengambil contoh wakaf Pangeran Aria Soeria Atmadja (Bupati Sumedang, 1883-1919 M), artikel ini menunjukkan tentang betapa pentingnya benda-benda peninggalan kerajaan berstatus wakaf dan diakomodasi dalam perundang-undangan wakaf di Indonesia sehingga keabadian dan kebermanfaatannya dapat dirasakan oleh generasi yang akan datang. Ini adalah penelitian normatif empiris di mana latar belakang sejarah, hukum yang berkaitan dengan wakaf dan perundang-undangan wakaf dikonfirmasi] melalui observasi, klarifikasi, dan temuan tentang budaya dan adat istiadat yang berkaitan dengan tata kelola wakaf. Penelitian wakaf kerajaan ini setidaknya dapat merekomendasikan dua hal: pentingnya benda-benda peninggalan keluarga kerajaan sebagai wakaf dan memasukkan wakaf kerajaan dalam satu pasal tersendiri dalam peraturan perundang-undangan wakaf di Indonesia.
Challenges and Opportunities of Sharia Marketing in Indonesia: An Ethical and Cultural Perspective Hakiki, Muhamad Fuji; Nelis Jamjam Munawaroh; Melani; Kurniawan; Athoillah, Mohamad Anton
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sharia marketing in Indonesia holds great potential due to the country's predominant Muslim population. Fundamental sharia principles such as the prohibitions on riba, gharar, and maysir form the foundation for developing marketing practices that align with Islamic teachings. However, the implementation of sharia marketing in Indonesia faces several challenges, including varied consumer understanding of the halal concept, cultural diversity, and competition from more affordable conventional products. Regulations and sanctions from the Indonesian Halal Product Assurance Agency (BPJPH) reinforce business compliance with halal standards, while digital technology provides opportunities for companies to expand consumer education and enhance product transparency. Collaborations with Muslim influencers and the use of social media have also proven effective in raising consumer awareness, especially among younger generations. This study aims to analyze the challenges and opportunities of sharia marketing in Indonesia from an ethical and cultural perspective, as well as identify marketing strategies that can enhance Muslim consumer trust and loyalty. The findings indicate that effective sharia marketing can strengthen the national economy by increasing the competitiveness of halal products, supporting MSMEs, and contributing to the sustainable growth of the halal industry.
Liberating loan shark victims: The collaborative role of BAZNAS, Pesantren, and Cianjur Social Services in zakat-based rehabilitation Hadiyanto, Redi; Pusvisasari, Lina; Athoillah, Mohamad Anton
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art9

Abstract

IntroductionLoan shark predation traps financially vulnerable households in recurring debt, weakens family welfare, and undermines community stability. Conventional interventions often provide temporary debt relief without addressing the economic, legal, psychological, and spiritual conditions that cause victims to return to predatory lending. Productive zakat offers a potential instrument for social rehabilitation when combined with community trust, legal protection, and sustainable economic empowerment.ObjectivesThis study examines the collaborative roles of the National Zakat Agency of Cianjur, pesantren, and the Cianjur Social Service Agency in rehabilitating loan shark victims through zakat-based programs. It analyzes the division of institutional responsibilities, implementation mechanisms, synergistic interactions, program outcomes, and challenges affecting long-term sustainability.MethodThe study employed an emergent qualitative multiple-case design in Cugenang, Cipanas, Pacet, and Cikalong Kulon, Cianjur Regency, Indonesia. Data were collected over six months through semi-structured interviews, longitudinal field observations, and document analysis. The initial participants comprised twenty-four representatives of the National Zakat Agency, pesantren leaders and administrators, social-service personnel, and beneficiary household heads. Data were analyzed through abductive thematic analysis, constant comparison, maximum-variation sampling, and deviant-case analysis.ResultsThe findings reveal a four-stage rehabilitation process consisting of victim identification and verification, core intervention, mentoring and monitoring, and sustainability support. The National Zakat Agency provided productive zakat capital and Sharia financial education. Pesantren facilitated victim identification, religious counseling, spiritual commitment, and community trust. The Social Service Agency delivered legal mediation, administrative assistance, and access to social protection. Debt mediation succeeded in more than eighty percent of cases, while all beneficiaries-initiated microenterprises using productive assets. Participants also reported reduced anxiety, restored dignity, and stronger social belonging. However, approximately thirty percent of businesses stagnated after twelve to eighteen months.ImplicationsSustainable rehabilitation requires formal coordination, advanced business mentoring, long-term monitoring, and institutional mechanisms that reduce dependence on individual local leaders.Originality/NoveltyThis study introduces a community-embedded tripartite model that integrates productive zakat, religious authority, and government social protection. It expands zakat from consumptive assistance into a transformative instrument for debt liberation, economic independence, spiritual recovery, and social justice.
Co-Authors Abdurrahman Wahid, Abdurrahman Achmad Ridwan, Achmad Ahmad Azam Sulaiman, Ahmad Azam Ahmad Lukman Nugraha Ansori, Moh. Asep Zakariya Asep Suryanto Bambang Waluyo Eka Rahayu, Annisa Ghozali, Mohamad Gitosaroso, Muh. Gozaly, Ahmad Yusdi Hadiat, Hadiat Hadiyanto, Redi Hidayat, Asep Dadang Hilmi, Irvan Hilyatin, Dewi Laela Juarsa, Eka Jubaedah, Dedah Kamaludin Yusup, Deni Khoiruddin, Heri Kurniawan Kusnoto Mariana, Rani Maricar, Hudzaifah Muhammad Melani Mohd Roslan Mohd Nor Muhamad Abduh Muhamad Fuji Hakiki Muhammad Hasanuddin, Muhammad Muhammad Yunus Naqiyah Mukhtar Nelis Jamjam Munawaroh Nurwijayanti Nuryamin Nuryamin, Nuryamin Prasetyo, Yoyok pusvisasari, lina Rafiqi, Yusep Ridwan , Achmad Ridwan, Ahmad Hasan Rohimin Rohimin ROYANI ROYANI Ruhendi, Ateng Rusli, Dodi Yarli Safei, Abdulah Samsudin, Agus Rojak Setia Mulyawan, Setia Setiadi Setiadi Shobirin, Shobirin Sholehudin, Ending Sofyan Al-Hakim Suradi Suradi Susilawati, Cucu Uu Nurul Huda, Uu Nurul Yadi Janwari