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All Journal Management of Zakat and Waqf Journal (MAZAWA)) Kawanua International Journal of Multicultural Studies Kunuz: Journal of Islamic Banking and Finance Maqrizi : Journal of Economics and Islamic Economics
Hasan, Jamaludin
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Muslim Scholars' Perceptions of Indonesia's New Halal Logo: A Consumer Behavior Perspective Hasan, Jamaludin; Jamal, Ridwan; Samad, Telsy Fratama Dewi; Luntajo, Moh. Muzwir R.
Maqrizi: Journal of Economics and Islamic Economics Vol 5 No 1 (2025): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v5i1.1426

Abstract

The introduction of a new halal logo in Indonesia by the Halal Product Assurance Agency (BPJPH) in 2022 has triggered wide-ranging public responses, particularly from Muslim consumers and stakeholders. This study explores the perceptions of Islamic economics scholars regarding the new halal logo, analyzed through the lens of Muslim consumer behavior theory. Using a descriptive qualitative approach, data were collected through in-depth interviews with eight lecturers from the Faculty of Islamic Economics and Business at the State Institute for Islamic Studies (IAIN) Manado. The findings reveal that five out of eight participants expressed disapproval toward the new logo, citing its aesthetic complexity, lack of clear Islamic symbolism, and cultural partiality—factors they argue diminish recognition and trust among Muslim consumers. Conversely, three respondents supported the redesign, viewing it as a cultural representation of Indonesian identity and a fresh approach to halal branding. The study also uncovers critical reflections on the shift in halal certification authority from the Indonesian Ulema Council (MUI) to BPJPH. This research contributes to the growing body of literature on halal consumer perception and suggests that policy efforts must be accompanied by public education to ensure acceptance and functionality of halal symbols. The results underscore the importance of religious-cultural alignment and visual clarity in halal certification communication strategies.
The Role of Sharia-Compliant Hedging Instruments in Managing Sukuk Yield Volatility Hasan, Jamaludin; Sarib, Suprijati; Lestari Niu, Fitria Ayu; Nuraini Kaida, Anisa Dwi
Kunuz: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): Vol 5, No.1 2025
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v5i1.1599

Abstract

The rapid expansion of Indonesia’s sukuk market has become a strategic pillar in the advancement of the national Islamic economic framework. Nevertheless, this progress is overshadowed by the inherent risk of yield volatility, primarily triggered by fluctuations in monetary policy. Such volatility generates significant cash flow uncertainty for issuers and price risks for investors. Unmitigated, this risk has the potential to hinder market deepening and constrain long-term financial stability.This study aims to conduct an in-depth analysis of the conceptual framework and technical mechanisms of Sharia-compliant hedging instruments as a viable solution to these challenges. Employing a systematic literature review with a qualitative analytical approach, the study synthesizes diverse academic works, industry standards, and relevant fatwas. The findings indicate that the Islamic Profit Rate Swap (IPRS) represents a manifestation of Sharia-compliant financial engineering that is theoretically effective in mitigating yield-related risks. Structured through a series of wa’d (unilateral promises) and tawarruq (commodity murabahah) contracts, the IPRS mechanism provides functional equivalence to conventional swaps by enabling market participants to exchange fixed-rate exposures for floating ones.The main contribution of this research lies in bridging the existing literature gap between global discourses on Islamic derivatives and their contextual application within Indonesia’s sukuk market. The study concludes that understanding and adopting sophisticated instruments such as the IPRS is not merely an option but a necessary condition for achieving maturity, resilience, and market completeness in the future development of the Islamic capital market.
Fintech Regulation and Its Impact on The Islamic Banking Industry in Indonesia Husein, Moh. Hidayatullah A. K.; Soleman, Moh Rafiq; Hasan, Jamaludin; Elvia, Evi Eka
Kunuz: Journal of Islamic Banking and Finance Vol 5 No 2 (2025)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v5i2.1688

Abstract

This study examines the impact of the development of Islamic financial technology (Islamic fintech) on the Islamic banking industry in Indonesia by analyzing the challenges and opportunities arising in the digital era within the existing regulatory framework. The study aims to assess the implementation of Islamic fintech based on regulations issued by the Financial Services Authority (Otoritas Jasa Keuangan), Bank Indonesia, and the Indonesian Council of Ulama, particularly in fostering fair competition within the Islamic financial industry. Employing a qualitative approach with a normative juridical method, this research analyzes relevant laws, regulations, and policy documents governing Islamic fintech and Islamic banking in Indonesia. The findings indicate that digital transformation through strategic collaboration between Islamic banks and Islamic fintech institutions has become an essential requirement for Islamic banks to remain competitive in the rapidly evolving digital financial landscape. The study highlights the importance of developing a hybrid innovation model that integrates conventional Islamic banking services with Islamic fintech solutions, including the digitalization of financing processes, the utilization of big data and artificial intelligence for risk management, and the development of platform-based digital products and services that remain compliant with Sharia principles. This study contributes to the existing literature by providing a comprehensive regulatory and strategic perspective on the transformation of Islamic banking in response to the growth of Islamic fintech in Indonesia
Pseudo-Consent in Indonesian Digital Commerce: Reframing Hurriyah at-Ta'aqud through Maqasid Systems Analysis Hasan, Jamaludin; Sarib, Suprijati; Jan, Radlyah Hasan; Harun, Nurlaila
Kawanua International Journal of Multicultural Studies Vol 6 No 2 (2025)
Publisher : State Islamic Institute of Manado (IAIN) Manado, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kijms.v6i2.1874

Abstract

Indonesian e-commerce and fintech increasingly rely on clickwrap terms that convert consent into a procedural “I Agree”, creating pseudo-consent and widening power and information asymmetries. This article reframes hurriyah at-ta'aqud (freedom of contract) by testing whether digital assent satisfies ridha, bayan (clarity), and ikhtiyar (voluntariness) in a plural, multicultural marketplace. Using juridical-normative research and document analysis of standard clauses from Shopee, Tokopedia, and GoPay, the study applies Jasser Auda’s Maqasid Shariah systems approach (cognition, wholeness, openness) to evaluate substantive validity beyond formal compliance. Findings show recurring exoneration clauses that shift system, data, and delivery risks to users, embedding jahalah and gharar and conflicting with la darar (no-harm) and hifz al-mal (protection of wealth). The paper proposes a two-layer validity model procedural legality and maqasid-based fairness supported by indicators for invalidating harmful clauses and redesigning notice-and-choice interfaces. It recommends integrating amanah and shiddiq as enforceable governance standards, strengthening consumer remedies and regulatory oversight in Indonesia’s digital commerce.
Economic Resilience Model of the Darul Istiqomah Islamic Boarding School in Manado in a Minority Community Through the Management of Productive Waqf Hasan Jan, Radlyah; Nugraha, Amalia Kurnia; Anggrayni, Lilly; Hasan, Jamaludin
Management of Zakat and Waqf Journal (MAZAWA) Vol. 8 No. 1 (2026): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2026.8.1.24-49

Abstract

Islamic boarding schools frequently encounter financial vulnerabilities due to their reliance on sporadic donations, a condition often exacerbated by market limitations within Muslim-minority demographics. Although optimizing productive waqf assets offers a potential solution for institutional self-sufficiency, in reality, many governance practices remain consumptive and lack standardization. Addressing this issue, this study aims to analyze the strategies for empowering waqf land and their impact on economic independence at Pondok Pesantren Darul Istiqomah Manado. This research employs a descriptive qualitative method with a case study approach, operationalized through an in-depth investigation of a single managerial cycle at the research site using the POAC (Planning, Organizing, Actuating, and Controlling) framework. To ensure data validity and richness, informants were selected through purposive sampling based on their strategic authority and direct operational involvement, including the school leadership, the secretary, student representatives, and representatives from the Indonesian Waqf Board (BWI) of North Sulawesi. The results indicate that empowerment is implemented through asset diversification across three clusters: the boarding school complex for education and creative industries (bakery, laundry, and drinking water), the Loreng area for agriculture (corn and vegetables), and the Solog area as a Tahfiz center. This adaptive management significantly reduces monthly dormitory consumption costs by 20-25% and contributes 15-20% to the institution's annual budget. Despite successfully achieving initial financial independence as a survival strategy, the school's governance remains traditional (trust-based) and is not yet supported by written Standard Operating Procedures (SOPs). This study concludes that integrated waqf management is a strategic solution for the independence of educational institutions in minority areas, the implementation of which imperatively requires administrative system modernization to ensure long-term sustainability.
Co-Authors Anggrayni, Lilly Elvia, Evi Eka harun, nurlaila Hasan Jan, Radlyah Husein, Moh. Hidayatullah A. K. Jamal, Ridwan Jan, Radlyah Hasan Lestari Niu, Fitria Ayu Luntajo, Moh. Muzwir R. Nugraha, Amalia Kurnia Nuraini Kaida, Anisa Dwi Sarib, Suprijati Soleman, Moh Rafiq Telsy Fratama Dewi Samad