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All Journal Jurnal Asy-Syari'ah International Journal of Islamic Economics and Finance (IJIEF) Jurnal Ilmu Ekonomi dan Bisnis Islam Invest Journal of Sharia & Economic Law QiST: Journal of Quran and Tafseer Studies Journal of Islamic Economics Lariba
Belabes, Abderrazak
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Religion Arts Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Islamic Fintech, Archaeology of a Discourse Belabes, Abderrazak
International Journal of Islamic Economics and Finance (IJIEF) Vol 5, No 1 (2022): IJIEF Vol 5 (1), January 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v5i1.11248

Abstract

The objective of this paper is to present an archaeology of the discourse on Islamic fintech to highlight its mimetic character, i.e. the desire to imitate globalized finance to obtain the same thing in terms of prestige. The archaeology of the discourse revealed the following: (i) The difference between the classic Islamic conception of finance and Islamic fintech lies in the mobilization of digital technology innovation in the field of finance. (ii) The difference between Islamic fintech and conventional fintech lies in the compatibility of Islamic financial products and services with Maqāṣid al-Sharīʿah. After shedding light on the themes of social innovation and slow technology, the study recommends paying special attention to the notion of design thinking in the sense that it offers the opportunity to imagine solutions through the intersection of analysis, intuition, experimentation, and human connection. It is imperative to invest in local startups to innovate solutions that meet both the needs of users and the ambitions of organizations, while taking care not to destroy social structures, and allowing each person to develop its own specific world (milieu, Umwelt, fûdo 風土).
Iʿjāz of the Qurʿān for Using the Words Gold, Silver and Not Money Belabes, Abderrazak
QiST: Journal of Quran and Tafseer Studies Vol. 3 No. 3 (2024): December
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/qist.v3i3.5131

Abstract

The production of knowledge on iʿjāz in economy is strongly influenced by the literature on scientific miracles of the Qurʿān. The interpretation of the verses of the Qurʿān pertaining to maʿāsh comes up against the binary logic aimed at constructing a scientific identity by summoning key concepts from mainstream economic thought. This article is based on philology as an art of reading well to shed light on the iʿjāz of the Qurʿān through the use of the words gold and silver and not that of money. It is structured around multidisciplinary approach and a qualitative analysis through the meanings in reference to the literature on the secrets of eloquence and evidence of the inimitability of the Qurʿān. The results showed that the iʿjāz in the use of the words gold and silver invites to live in the world of rizq, as an umwelt or 風土 fūdo. This mode of existence provides resilience against voluntary servitude to the system of monetary creation ex nihilo by the interest loan granted by commercial banks. Such particular way is a thematic interpretation of the verses relating to the means to acquit the rights of the Creator and those of the creatures. It converges like Hénon attractor as a chaotic fractal set with research in history, anthropology and numismatics which does not use the word money.
Conceptualizing money creation as a ḥabs in debt market Belabes, Abderrazak
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art11

Abstract

IntroductionMonetary creation is one of the major weak points of the in-depth analysis of economic life. The literature on Islamic economics, Islamic finance, and the jurisprudence of contemporary financial transactions is no exception to this rule. The reason is that money is reduced to its functionalist dimensions as a simple means of exchange, and considered a secondary issue with regard to the prohibition of ribāʿ.ObjectivesThis research proposes a new theoretical framework that conceptualizes money creation as a ḥabs in debt market. This conceptual framework makes it possible to avoid subjecting economic life to the system of monetary creation withholded, in debt and to nourish the illusion of economic growth boosted by debt.MethodThe study is based on genealogical method, which strives to trace the origins of things, and fundamentally takes its source from ancient literature on ansāb (lineage), al-awāʿil (things done for the first time), and long history, starting from the question: Where does it come from? It is a question of linking the phenomenon of ḥabs to its source, which is the building of the Kaʿaba by Ādam as the original ḥabs on earth.ResultsThe first significant result is that ḥabs is a general phenomenon that applies to a range of things. The waqf is only one of a number of possible forms. The second result is that reading the meaning of the word ḥabs allows us to link the various forms of withhold to the origin of life on earth when God ordered Adam to live on earth, then to build the Kaʿaba. The third result is the proposal of a new analytical framework for economic life which considers monetary creation as a ḥabs in debt market. ImplicationsThis study shows that ḥabs is an original conceptual tool which must be fully integrated into the analysis of economic life to broaden perspectives, promote understanding, and open new paths to action, in terms of social and economic policy, to build more resilient societies, while improving quality of life.Originality/Novelty This result provides a conceptualization of monetary creation on an unprecedented approach of ḥabs in debt market, and constitutes a basis for the development of policies, that move away from false economic growth boosted by debt, towards modes of existence based on voluntary cooperation, participative administration in community affairs, and the primacy of social purpose over capital.
Ḥabs as Common Living Heritage: Beyond the Cash Waqf as Deep Financial Innovation Belabes, Abderrazak
Asy-Syari'ah Vol. 27 No. 1 (2025): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v27i1.44466

Abstract

Abstract: This conceptual exploration examines the deep meaning of ḥabs as a common living heritage extending beyond mainstream financial interpretations that consider private waqf an innovation of Islam and cash waqf being the best innovation in private waqf. Through the conceptual-hermeneutic approach, Rizq (divine provision) precedes human notions of ownership and city organisation, with the first ḥabs being Bayt (House of Allah) built by Ādam. This research highlights the spiritual relevance of the sacred milieu of Makkah and critiques modern economic concepts that prioritise material growth and individual ownership over the holistic understanding of life and divine provision inherent to the deep meaning of ḥabs. Finally, this research advocates for a re-evaluation of how we perceive wealth, ownership and societal well-being considering ḥabs as a dynamic, connected living system.
The Quadriptych of Rizq, Ḥabs, Maʿāsh, and ʿUmrān: Insights from Hājar's Statement on Water Rights Belabes, Abderrazak
Invest Journal of Sharia & Economic Law Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v5i1.10404

Abstract

This article explores the meanings underlying Hājar’s statement “you have no right to the water” of Zamzam, based on a philological reading of the original Arabic text mentioned in Ṣaḥīḥ al-Bukhārī. In this respect, it is necessary to understand Hājar’s statement in the general context of the foundation of the Bayt (sacred house), its destruction following Noah's flood, the gushing of Zamzam water, and the rebuilding of the Bayt by Ibrāhīm and Ismāʿīl. From this exploration emerges a quadriptych composed of four key meanings: rizq (divine provision), ḥabs (what is intended for the benefit of everyone), maʿāsh (the world we live from), and ʿumrān (the world we live in). This perspective offers an opportunity to understand Hājar's perception of the interaction between humans and the living milieu beyond the contemporary conceptual language focused on individual ownership. Following her experience of the gushing forth of Zamzam, the human being appears as the steward of God on earth who does not own the goods that he uses. As such, he is supposed to make them bear fruit for his own benefit and that of the community, in harmony with the milieu. The ability to inhabit takes precedence over the ability to appropriate the resources. Focusing on the concept of individual ownership veils the deeper meaning of life that connects the world we live from with the world we live in. Hajar's message is to make choices in favor of life. Such meanings open new avenues for research to go beyond the conceptual frameworks established by Islamic economics and finance, the contemporary jurisprudence of financial transactions, and that of awqāf, embedded in a contract approach centered on individual ownership.
Conceptualizing the Young Women Social Entrepreneurship Phenomenon in al-Madinah al-Munawarah Belabes, Abderrazak; Alhejaili, Badreyah
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 6 No 1 (2024)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v6i1.282.73-81

Abstract

Social entrepreneurship has become a global trend, and in Saudi Arabia, it is gaining traction among public authorities, financial institutions, young people, and academics. Despite its growing popularity, scientific publications on the subject remain limited. This study aims to conceptualize the phenomenon of young women's social entrepreneurship in Al-Madinah Al-Munawarah, the cradle of Muslim civilization and Islamic charity. Based on the field experience of Basiqāt Waqf, which trained 128 young women from 2020-2022 in personal development and entrepreneurial excellence using the Personal Development Analysis (PDA) tool, the study finds existing models insufficient to capture the multidimensionality of this phenomenon. A key factor identified is the intrinsic pleasure young women derive from engaging in social entrepreneurship projects that sustainably improve the quality of life in the holy city. The challenge lies in identifying what these women love doing while being beneficial to others. Despite limitations, this study aids stakeholders in better coordinating efforts to promote social entrepreneurship among young women in Madinah beyond merely creating a competitive or attractive ecosystem. Data from 2023-2024 indicate that many of these trained women actively participate in the Basiqat project, particularly in organizing the breaking of the Ramadan fast at the Prophet's Mosque.
Visual Analysis of The ḤQM Model And Prospects for Authentic Innovation In Islamic Finance Belabes, Abderrazak
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 7 No 2 (2025)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v7i2.398.177-189

Abstract

The aim of this study is to show, through the conceptual system ḤQM (Ḥ: ḥukm, Q: qāʿidah, M: maqṣad), the need to deepen our understanding of authentic innovation in Islamic finance. This study argues that prevailing debates on Islamic financial products are dominated by dichotomous notions grounded in linear modes of thinking, which constrain substantive discussion and hinder the development of credible and sustainable solutions. The main findings reveal that when the teleological discourse on the purposes of Sharīʿah is itself framed within linear reasoning, it cannot legitimately be regarded as the highest intellectual achievement of Islamic civilization. Furthermore, incorporating the dimension Q (qāʿidah) enables the dismantling of rigid categorization and hierarchization that characterizes much of the literature polarized between Ḥ and M. By emphasizing the two-dimensional nature of graphs, distinct from the linearity of written discourse, the graphical visualization of the ḤQM conceptual model opens new analytical possibilities, particularly in the domain of data visualization and non-linear reasoning. In addition, the science of jurisprudential maxims allows the formulation of general rules whose epistemological significance lies in the dynamic interaction between parts and wholes. The dominance of linear approaches in the financial industry has produced adverse outcomes, including mimetic and constrained innovation, excessive reliance on standardized products, and the suppression of proactive and systemic innovation. Accordingly, this study concludes that genuinely innovative Islamic finance requires a non-linear approach that integrates interaction, shared risk, and real asset backing, while coherently aligning injunctions, maxims, and the higher objectives of Sharīʿah.
AI systems at the test of Revelation: From the Promise of Augmented Intelligence to the Perils of Human Dehumanization Belabes, Abderrazak
QiST: Journal of Quran and Tafseer Studies Vol. 5 No. 1 (2026): April
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/qist.v5i1.15994

Abstract

This research offers a reflection on AI systems in light of the Quranic verse, (He Is The One Who Created for You Allah that is on the Earth) (Qur'ān, 2: 29). It challenges the traditional view that reduces technology to a mere neutral instrument, revealing instead that it is a profoundly existential, ontological, and ethical human endeavor, demanding responsibility, discernment, and regulation. The study emphasizes that mastering AI systems does not grant humanity absolute sovereignty, but rather places it in the position of mustakhlaf (steward of the earth) and amīn (trustworthy), charged with preserving the balance between creatures and guaranteeing their rights. It warns against the temptation to make AI an end in itself, which could alienate humanity and sever its transcendent connection with the world order through a vertical causality. From this perspective, AI presents itself as a true mirror of human commitment, revealing the depth of our responsibility towards the designs of creation and the realization of the common good, liberated from all pursuit of material domination and any descent into nihilism.
Co-Authors Alhejaili, Badreyah