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INTEGRATION OF ISLAMIC PHILANTHROPY WITH FINANCIAL TECHNOLOGY: The Case Study of Waqf towards Sustainable Funding in Indonesia Ulum, Kefi Miftachul; Ariyanti, Sari; Witro, Doli; Nasyiah, Iffaty
Jurisdictie: Jurnal Hukum dan Syariah Vol 16, No 1 (2025): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v16i1.30447

Abstract

The rapid expansion of Indonesia’s digital economy, bolstered by evolving financial regulations, presents a strategic opportunity to integrate Islamic philanthropy—particularly waqf—into fintech-based funding systems. This study explores the potential integration of waqf instruments within securities crowdfunding, as governed by OJK Regulation No. 57 of 2020 and its amendment, OJK Regulation No. 16 of 2021. The growth in sukuk issuances—from 59 in August 2023 to 105 by May 2024, comprising 30% of all securities—demonstrates a promising avenue for channeling waqf funds to support MSMEs and drive socio-economic development. Employing a normative legal research methodology, this study utilizes statutory and conceptual analysis, drawing on primary legal sources related to waqf and crowdfunding, as well as secondary data from the Financial Services Authority (OJK) and the Central Securities Depository (KSEI). Through descriptive-analytical methods and integrative legal theory, the research examines how regulatory frameworks can be aligned. The findings indicate a strong legal synergy between Islamic waqf law and fintech regulations, facilitating the development of a productive, Sharia-compliant waqf investment model. This study offers a conceptual and regulatory roadmap for leveraging waqf funds through digital platforms, enhancing their sustainability, accountability, and role in promoting inclusive Islamic economic growth. Ekspansi pesat ekonomi digital Indonesia yang didukung oleh regulasi keuangan yang terus berkembang menghadirkan peluang strategis untuk mengintegrasikan filantropi Islam—khususnya wakaf—ke dalam sistem pendanaan berbasis fintech. Studi ini mengeksplorasi potensi integrasi instrumen wakaf dalam skema securities crowdfunding sebagaimana diatur dalam Peraturan OJK Nomor 57 Tahun 2020 dan perubahannya, yakni Peraturan OJK Nomor 16 Tahun 2021. Peningkatan jumlah penerbitan sukuk—dari 59 pada Agustus 2023 menjadi 105 pada Mei 2024, yang mencakup 30% dari seluruh surat berharga—menunjukkan jalur yang menjanjikan untuk menyalurkan dana wakaf guna mendukung UMKM dan mendorong pembangunan sosial ekonomi. Dengan menggunakan metode penelitian hukum normatif, studi ini menerapkan pendekatan analisis yuridis dan konseptual, dengan merujuk pada sumber hukum primer terkait wakaf dan crowdfunding, serta data sekunder dari Otoritas Jasa Keuangan (OJK) dan Kustodian Sentral Efek Indonesia (KSEI). Melalui metode deskriptif-analitis dan pendekatan teori hukum integratif, penelitian ini mengkaji bagaimana kerangka regulasi dapat diselaraskan. Temuan menunjukkan adanya sinergi hukum yang kuat antara hukum wakaf Islam dan regulasi fintech, yang memungkinkan pengembangan model investasi wakaf yang produktif dan sesuai dengan prinsip syariah. Studi ini menawarkan peta jalan konseptual dan regulatif untuk memanfaatkan dana wakaf melalui platform digital, guna meningkatkan keberlanjutan, akuntabilitas, serta peranannya dalam mendorong pertumbuhan ekonomi Islam yang inklusif.
Legal Basis for Conventional and Sharia Investments in the Indonesian Capital Market Witro, Doli
Journal of Economicate Studies Vol. 5 No. 1 (2021): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v5i1.659

Abstract

This article examines the legal basis for a conventional investment as well as sharia investment in the Indonesian capital market. This study focuses on the history of the formation and legal basis of investment in the capital market and is then continued by classifying conventional investment regulations and Islamic investment in Indonesia. This study aims to explain the history of the formation, basis, and legal basis for sharia and conventional investment in the Indonesian capital market. This research is a qualitative study using a normative jurisdiction approach. This article is a document study and library research. The data analysis techniques used were data reduction, data presentation, and conclusion drawing. The analysis results show that investment can be interpreted as the investment of money or capital in a company or project that aims to make a profit. The Indonesian capital market system, activities in the conventional investment capital market, and sharia investment initially referred to Law Number 8 of 1995 concerning the Capital Market, which technical regulations for its implementation are regulated in Bapepam-LK (Financial Services Authority) Regulations, Government Regulations, Stock Exchange Regulations and others.
Political Strategy of Islamophobia in Indonesia: From the Old Order to the Reform Era Hidayaturrahman, Mohammad; Witro, Doli; Binti Rosli, Roslieza; Ubaid, Ahmad Hasan; Putu Sugiantiningsih, Anak Agung
Politicon : Jurnal Ilmu Politik Vol. 7 No. 1 (2025): Politicon : Jurnal Ilmu Politik
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/politicon.v7i1.41296

Abstract

This study aims to uncover the models and forms of Islamophobia practised by the political regime in power in Indonesia. This study also analyses why the government in power in Indonesia makes policies and takes actions that lead to Islamophobia. This article uses qualitative explanatory methods. The data sources come from in-depth interviews with various informants and data is also collected through a literature study by exploring relevant data from various sources that can be accessed online, including books, journals, websites, and news portals. This study found that the political motives and strategies of the ruling regime in making policies and taking actions were based on Islamophobia, namely by diminishing the political power of Islam in Indonesia and eliminating its influence, which could disrupt the continuity of the ruling regime, which is controlled by nationalist groups. That way, the government can maintain power and carry out its agendas.
Political Dynamics and Islamic Leadership: KH Idham Chalid’s Influence during Indonesia’s New Order Era Ohira, Norman; Putri, Luqyana Azmiya; Nurjaman, Andri; Witro, Doli; Alamin, Nurul; Alghani, Raid
FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman Vol 11, No 1 (2025): 8 Articles, Pages 1-156
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/fitrah.v11i1.13039

Abstract

This article aims to highlight the role and struggles of KH Idham Chalid during the New Order era in Indonesia. This article employs a qualitative research method with a historical approach consisting of heuristics, criticism, interpretation, and historiography. Primary data sources were obtained from historical books, including Ahmad Barjie entitled “Dr. K.H. Idham Chalid Ulama Politisi Banjar di Kancah Nasional,” Arief Mudatsir Mandan with the title “Napak Tilas Pengabdian Idham Chalid: Tanggung Jawab Politik NU dalam Sejarah,” and Abdul Rahman Jaferi Rahmadi and Ahmad with the title “Elite Muslim Banjar di Tingkat Nasional.” Secondary data was obtained from scientific articles, books, and other relevant literature related to the research topic. The data analysis techniques used were data condensation, data presentation, and conclusion drawing. This study found that the role and struggle of KH Idham Chalid during the New Order era can be categorised into two categories. First, he fought within the New Order government. President Soeharto trusted KH Idham Chalid to hold strategic positions. One of them was to succeed the Family Planning (KB) programme. Second, he fought outside the New Order government through the education sector by establishing Darul Ma’arif in Cipete, South Jakarta, and Darul Qur’an in Cisarua, Bogor. KH Idham Chalid also frequently held religious study sessions that were widely attended by the public and played a role in the establishment of the Nahdlatul Ulama University (UNNU) in Bandung, which later evolved into the Nusantara Islamic University (UNINUS). Exploring the history of the educational institutions established by KH Idham Chalid could serve as a valuable subject for further research.
Compromising and Repositioning the Meaning of Corruptors as Thieves in Applying the Provisions of Shara’ into the Modern Era Context Helmina, Helmina; Harun, Hermanto; Witro, Doli; Ardi, Muh Zaitun; Busni, Darti
al-'adalah Vol 21 No 1 (2024): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v21i1.21251

Abstract

The debates on the application of Islamic criminal law in various Muslim-majority countries are still ongoing. This is because these countries still adhere to a positive legal system. This phenomenon has spread to many things including implementing the punishment of cutting off the hands of corruptors as is the punishment for thieves in the provisions of Islamic criminal law. One of the obstacles, in this case, is due to differences of opinion on the use of the term "thief" to be applied to "corruptor". This article aims to analyze the punishment provisions for thieves as regulated in Surah al-Maidah verse 38 to be applied to perpetrators of corruption. This article is the result of qualitative research with a linguistic approach. The primary data source in this study is the Qur'an, whereas, the secondary data sources are articles, books, and other relevant documents. Data were collected through a literature study method which was then processed, analyzed, and concluded. This study found that the crime of corruption, seen from a linguistic perspective, has the same meaning as thievery; the perpetrator, therefore, can be sentenced to the same punishment (cutting off the hand). The punishment here is the most severe type that can be imposed on perpetrators of corruption, considering that the impact it causes is heavier and wider than the impact that arises in the crime of thievery. Certainly, this punishment is applied if it has met all the elements and legal requirements and is applied in a very strict manner.
Implications of Sea Toll Programs to National Development Economy: Reinterpretation of Marine Verses In Al-Quran Witro, Doli; Yanti , Betria Zarpina
El-Qish: Journal of Islamic Economics Vol. 1 No. 2 (2021): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v1i2.1720.2021

Abstract

Indonesia, as an archipelago with a coastline of 81,000 km, is a coastal and marine area that has a variety of vast and diverse resources. With the unique potential and economic value of development, coastal areas are also faced with a high threat, so special handling is needed so that this region can be managed sustainably. Economic development in this framework is realized through the sea toll program. This article will aim to discuss how the sea toll program has an impact on the national development economy and the reinterpretation of marine verses in Al-Quran. This study uses qualitative research methods that are literature research. The sources of data in this study were sourced from books, journals, scientific articles, research reports, laws, and internet websites related to the sea toll program. After all, data have been collected, the data are analyzed by data analysis methods, namely data reduction, data presentation, and conclusion drawing. Findings. The results showed that the use of marine wealth by humans is justified in Al-Quran even it is recommended for the benefit of humans. On the other hand, the development of defense forces requires strong economic capabilities as a form of an effort to realize Indonesia’s ideals as a world maritime nation. Indonesia’s maritime potential can create a dominant economic development power for the Indonesian state to face global or international competition.
Comparative Study of Sukuk in the Sharia Capital Market: Evidence in Indonesia Mubarok, Anas Bayan; Witro, Doli; Nurjaman, Muhamad Izazi; Pitriani, Pitriani; Hibaturohman, Iib; Hida, Manarul
Al-'Aqdu: Journal of Islamic Economics Law Vol 5, No 1 (2025): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/ajiel.v5i1.3773

Abstract

This article discusses a comparative analysis of mudharabah sukuk, ijarah sukuk, and wakalah bi al-istithmar sukuk. This article aims to highlight and analyse the comparison of mudharabah sukuk, ijarah sukuk, and wakalah bi al-istitsmar sukuk so as to provide answers to the effectiveness and efficiency of the sukuk concept without denying the sharia principles in it. This research is in the form of a comparative study, namely a research procedure that compares interrelated variables by determining their differences and similarities. The data sources used come from books, classical text (yellow book), scientific article, website internet, theses, and fatwas related to the theme the author is taking. The results of the research in the article are: First, there are differences in the characteristics and schemes of mudharabah sukuk, ijarah sukuk, and wakalah bi al-istithmar sukuk, these three sukuk schemes are permissible because they are by predetermined rules. The differences that exist in these three types of sukuk do not mean that they are not allowed to make each other but can be done in different ways. Second, from this comparison, the author sees that investment in sukuk with certainly contract characteristics, especially ijarah sukuk, tends to be safer because of the certainty of the predetermined ujrah. Third, of the three types of sukuk, sukuk with a wakalah bi al-istitsmar scheme tend to be more flexible and easier to understand and implement. The level of risk and profit of the three is different, sukuk with certainly contracts tend to be safer but stable profits and tend to stagnate in contrast to sukuk that use uncertain contracts whose risks tend to be greater but there is a possibility of greater profits.
Muslim Politics: The Islamic Politics Model on Adat Societies Nurdiansyah, Rifqi; Witro, Doli
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 57 No 2 (2023)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v57i2.1343

Abstract

This research aims to analyze the political model of Islamic law within the indigenous community of Kerinci. The idea behind this research is the triumph of the Islamic party in the local, governor, and presidential elections in Kerinci, Jambi Province, between 2009 and 2019. Gradually, Islam acquired substantial political influence inside the customary domain of Kerinci. The study employs a combination of socio-historical and qualitative research. The data is examined utilizing Miriam Budiardjo’s political law approach, encompassing classical, behavioral, post-behavioral, dependence, neo-Marxist, rational choice, and new institutionalism approaches. Our research indicates that the implementation of Political Islamic Law in Kerinci is an integral component of the Islamic Populism movement, which has gained momentum and become deeply rooted in the political conduct of the local Muslim community. These cultural habits originate from the fundamental principles of society, which have emerged as a result of the assimilation of Islamic teachings into daily life. These individuals are involved in the decision-making processes of Adat Institution and Majelis Pengkajian Ulama’ (MPU). These individuals inherently endorse Islamic parties such as PAN (National Mandate Party) and PKS (Prosperous Justice Party). Adat institutions play a significant role in local elections by offering guidance through sectoral delegates in every adat region. Penelitian ini bertujuan untuk menganalisis model politik Hukum Islam dalam masyarakat adat Kerinci. Ide dari penelitian ini berasal dari kemenangan partai Islam dalam pemilihan kepala daerah, gubernur, dan presiden di Kerinci, Provinsi Jambi antara tahun 2009 dan 2019. Secara bertahap, Islam memperoleh pengaruh politik yang substansial di dalam wilayah adat Kerinci. Penelitian ini menggunakan kombinasi penelitian sosio-historis dan kualitatif. Data yang ada dikaji dengan menggunakan pendekatan hukum politik Miriam Budiardjo, yang meliputi pendekatan klasik, perilaku, post-behavioral, ketergantungan, neo-Marxis, pilihan rasional, dan institusionalisme baru. Penelitian kami menunjukkan bahwa penerapan Syari’at Islam Politik di Kerinci merupakan komponen integral dari gerakan Populisme Islam, yang telah mendapatkan momentum dan mengakar kuat dalam perilaku politik masyarakat Muslim setempat. Kebiasaan budaya ini berasal dari prinsip-prinsip dasar masyarakat, yang muncul sebagai hasil dari asimilasi ajaran Islam ke dalam kehidupan sehari-hari. Individu-individu ini terlibat dalam proses pengambilan keputusan di Lembaga Adat dan Majelis Pengkajian Ulama (MPU). Individu-individu ini secara inheren mendukung partai-partai Islam seperti PAN (Partai Amanat Nasional) dan PKS (Partai Keadilan Sejahtera). Lembaga adat memainkan peran penting dalam pemilihan kepala daerah dengan memberikan arahan melalui delegasi sektoral di setiap wilayah adat.
SHARIA ECONOMIC LAW PERSPECTIVE ON ONLINE MEETING PREMIUM ACCOUNT LEASING Nurjaman, Muhamad Izazi; Hakim, Sofian Al-; Setiawan, Iwan; Witro, Doli; Sahid, Mualimin Mochammad
Journal of Islamic Economic Laws Vol 5, No 2 July 2022
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v5i2.18750

Abstract

In general, in leasing, the object of the contract is the benefit of a tangible object. However, it is different from renting a Zoom Meeting Premium account whose position is as application software. So that its position will have benefits if its use has collaborated with hardware as hardware. Meanwhile, what is being rented is the software only. Therefore, this study will discuss the rental of Zoom Meeting Premium accounts according to the perspective of sharia economic law. This research uses a descriptive case study method with an empirical juridical approach. The data analysis technique was carried out through three stages namely data reduction, data presentation and conclusions. This study found that the position of Zoom Meeting is premium as a software application that is part of a computer program. At the same time, the computer program is part of the copyright in the form of intangible movable objects. So that there is the development of the object of the ijarah contract, generally in the form of benefits from tangible objects, which can also be in the form of benefits from intangible objects. However, the development of intangible objects as contract objects needs to be studied further by researchers so that they can be applied to all contract objects, such as intangible objects becoming objects of buying and selling contracts, mudharabah, musyarakah and other contracts.
Orang Pesantren Di Dunia Politik (Studi Kasus Pesantren Miftahul Huda Manonjaya Tasikmalaya) Nurjaman, Andri; Yusuf, Muhamad; Witro, Doli
Inovasi: Jurnal Diklat Keagamaan Vol 15 No 2 (2021): Inovasi: Jurnal Diklat Keagamaan
Publisher : Balai Diklat Keagamaan Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52048/inovasi.v15i2.240

Abstract

The debate about the involvement of Islamic boarding schools in the world of politics is in a tug of war, contradicting each other in the sense of experiencing pros and cons. Miftahul Huda Manonjaya Islamic Boarding School is one of the boarding schools in Tasikmalaya Regency, the founder of the Miftahul Huda Islamic Boarding School is late. K.H. Choer Affandi. There were 20 mandates that he left, one of which forbade him to enter the world of politics, but in the next reality, there were sons and grandsons of K.H. Choer Affandi who entered the world of politics. This article discusses Miftahul Huda Islamic Boarding School students who have entered politics, which seems to contradict one of Uwa Choer Affandi's mandates. This article aims to highlight the goals of Miftahul Huda Islamic boarding school students to enter the world of politics. This article uses qualitative research that is literature. The approach used is the theory of the relationship between religion and the state. The analytical technique used is the analysis technique popularized by Miles and Huberman, namely data reduction, data presentation, and drawing conclusions. The results show that the Miftahul Huda Islamic Boarding School has succeeded in producing scholars as well as politicians whose main goals and motivations are Islamic da'wah, understanding the ahli sunnah wal jamaah, amar ma'ruf nahi munkar, and entering politics in the case of Miftahul Huda (as KH Asep Maoshul and Uu Ruzhanul Ulum) is a mandate from the Kyai Council and in order to carry out the mandate of the late. The main thing for Uwa Choer Affandi is to maintain the aqidah of the ahli sunnah wal jamaah and in the context of izatul Islam wal muslimun (the glory of Islam and the Muslims).
Co-Authors Abda Abda Abdullah Firdaus Abdullah, Fadli Daud Afan, Marjai Ahmad Fikri Ahmad, Jafar Ahmad, Sabarudin Al-Hakim, Sofian Al-Rasyid, Camelia Sofwan Alamin, Nurul Alfikri, Annisa ‘Alwiyah Alghani, Raid Ali Hamzah Alwis Alwis Anisah Agustina Ardi, Muh Zaitun Arhamzah, Tashdieq Ulil Amri Ariyanti, Sari Asa’ari, Asa’ari Asa’ari, Asa’ari Ayi Yunus Rusyana Ayu, Dena Bahari, Lalu Pradipta Jaya Baskoro, Aji Binti Rosli, Roslieza Burhanudin Burhanudin Busni, Darti Camelia Sofwan Al-Rasyid Daini, Hening Sukma Dena Ayu Dena Ayu Diana, Rahmi Eka Putra Ermawan, Muhammad Zakky Ubaid Evi Muafiah Fachry Abda El Rahman Fadli Daud Abdullah Faizin Fathurrahman, Hamdan Fitri Yanti Hakim, Atang Abdul Hakim, Sofian Al- Harisah Helmina Helmina, Helmina Hermanto Harun Hetri Yulianti Hibaturohman, Iib Hida, Manarul Hidayat, Asep Achmad Hulaiva Pary Iffah Al Walidah Iffaty Nasyiah, Iffaty Iim Septiana Ilahi, Restu Prana Imaro Sidqi Indianto S., Dimas Intania, Naila Iwan Setiawan Izazi Nurjaman, Muhamad Jalaluddin, Mufti Labib Jalwis, Jalwis Januri, Muhammad Fauzan Juniawan, Hendro Kartika Juraidi, Juraidi Kesi Afrilia Khairuddin Koko Komaruddin, Koko Kustiawan, Muhamad Taufik Latifah, Ainiyatul M. Athoillah, M. Mandala, Ican MARIA BINTANG Mhd. Rasidin Misbahul Munir Makka Mohammad Hidayaturrahman Mubarok, Anas Bayan Muhamad Agus Soleh Muhamad Izazi Nurjaman Muhamad Izazi Nurjaman Muhamad Sadi Is Muhamad Yusuf, SE., M.Si. Muhammad Nur Muna, Moh. Nailul Nadhif Muhammad Mumtaz Nasrulloh, Muhammad Natardi, Natardi Neni Nuraeni, Neni Nisa, Siti Maymanatun Novia Nurfadila Nurasih, Wiji Nurdiansyah, Rifqi Nurjaman, Andri Nurjaman, Muhamad Izazi Ohira, Norman Oviensy, Vegia Pitriani Pitriani, Pitriani Pradja, Juhaya S. Purwaningsih, Rahma Fitria Putra, D.I. Ansusa Putri, Luqyana Azmiya Ramdhani, Indra Rasidin, Mhd. Ridha DS, Muhammad Rismanuddin Saepudin, Dindin Sahid, Mualimin Mochammad Samsul Bahri Santosa, Tomi Apra Setyawan, Rahmad Sidqi, Imaro Sofian Al Hakim Sofwan Al-Rasyid, Camelia Sri Juwita, Sri Suci Indah Sari Sugiantiningsih, Anak Agung Putu Sumanti, Eva Syafnan Syafnan Syahbani, Fatimatuz Zahro Mulia Syahid Mujahid Wiwaha syukrawati, syukrawati Tajul Arifin TATI NURHAYATI Ubaid, Ahmad Hasan Ulum, Kefi Miftachul Wiji Nurasih Yanti , Betria Zarpina Yessy Gusminalita Zaenuddin Hudi Prasojo Zarkani, Moh. Zufriani Zufriani Zufriani, Zufriani Zulfatun Inayah