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All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) Syiar Hukum: Jurnal Ilmu Hukum Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Laa Maisyir Jurnal Ekonomi Islam Jurnal Intelektualita: Keislaman, Sosial, dan Sains Law and Justice Jurnal Ilmiah Ekonomi Islam Jurnal Hukum Acara Perdata ADHAPER Jurnal Ilmiah Universitas Batanghari Jambi al-Afkar, Journal For Islamic Studies Jurnal Istiqro' Edukasi Islami: Jurnal Pendidikan Islam QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Legal Standing : Jurnal Ilmu Hukum Istinbath: Jurnal Hukum dan Ekonomi Islam PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JCRS (Journal of Community Research and Service) Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Amwaluna Jurnal Ekonomi dan Keuangan Syariah Pena Justisia: Media Komunikasi dan Kajian Hukum LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Jurnal Hukum Acara Perdata Indonesian Journal of Islamic Economics Research Jurnal Manajemen dan Bisnis Jayakarta Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Iqtishod : Jurnal Ekonomi Syariah International Journal of Educational Review, Law And Social Sciences (IJERLAS) Indonesian Journal of Social Science Research Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Indonesian Journal of Multidisciplinary Science Jurnal Riset Ekonomi Syariah Milkiyah: Jurnal Hukum Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Sewagati Fastabiq: Jurnal Studi Islam Jurnal Rekognisi Ekonomi Islam (JREI)
Panji Adam Agus Putra
Universitas Islam Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Implementasi Fatwa MUI No. 83 Tahun 2023 tentang Hukum Dukungan terhadap Perjuangan Palestina dalam Kebijakan Penjualan Produk Afiliasi Israel di Koperasi Karyawan Dosen Unisba Muhammad Fadhli Afkar; Panji Adam Agus Putra; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law Vol. 6 No. 1 (2026): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i1.22587

Abstract

Abstract. The Indonesian Ulema Council (MUI) Fatwa No. 83 of 2023 affirms the obligation of Muslims to support the Palestinian struggle and prohibits any form of involvement that benefits Israel, including the consumption of products affiliated with it. This study aims to analyze the implementation of the fatwa in product sales policies at the Lecturer and Employee Cooperative (KOPKARDOS) of Universitas Islam Bandung (UNISBA), focusing on normative, ethical, and institutional dimensions. The research employs a normative juridical approach, examining the foundations of Islamic law through the Qur’an, Hadith, and fiqh principles, particularly the method of sadd al-dzari‘ah and the objectives of maqāṣid al-sharī‘ah. The findings reveal that the application of the fatwa in KOPKARDOS faces challenges such as limited public understanding, consumer resistance to product changes, and economic considerations of the cooperative. Nevertheless, product selection policies based on the fatwa hold strategic potential in shaping an ethical consumption culture within the campus environment, provided they are supported by education, dissemination, and institutional commitment. Thus, the implementation of MUI Fatwa No. 83 of 2023 functions not only as a legal guideline but also as a moral and social instrument that strengthens Muslim solidarity with the Palestinian cause through consumption practices aligned with justice and Islamic values. Abstrak. Fatwa Majelis Ulama Indonesia (MUI) Nomor 83 Tahun 2023 menegaskan kewajiban umat Islam untuk mendukung perjuangan Palestina serta melarang segala bentuk keterlibatan yang memberikan keuntungan bagi Israel, termasuk konsumsi produk yang berafiliasi dengannya. Penelitian ini bertujuan untuk menganalisis implementasi fatwa tersebut dalam kebijakan penjualan produk di Koperasi Karyawan Dosen (KOPKARDOS) Universitas Islam Bandung (UNISBA), dengan fokus pada dimensi normatif, etis, dan kelembagaan. Metode penelitian yang digunakan adalah pendekatan yuridis normatif, dengan menelaah landasan hukum Islam melalui Al-Qur’an, hadis, serta kaidah fiqhiyyah, khususnya metode sadd al-dzari‘ah dan prinsip maqāṣid al-syarī‘ah. Hasil penelitian menunjukkan bahwa penerapan fatwa di KOPKARDOS menghadapi tantangan berupa keterbatasan pemahaman masyarakat, resistensi konsumen terhadap perubahan produk, serta pertimbangan ekonomi koperasi. Namun, kebijakan seleksi produk berbasis fatwa memiliki potensi strategis dalam membentuk budaya konsumsi etis di lingkungan kampus apabila didukung oleh edukasi, sosialisasi, dan komitmen kelembagaan. Dengan demikian, implementasi Fatwa MUI No. 83 Tahun 2023 tidak hanya berfungsi sebagai pedoman hukum, tetapi juga sebagai instrumen moral dan sosial yang memperkuat solidaritas umat Islam terhadap perjuangan Palestina melalui praktik konsumsi yang sesuai dengan nilai keadilan dan syariah.
Murabahah Financing in Islamic Banks with Fiduciary Collateral Review from the Perspective of Legal Certainty and Utility Nugraha, Ivan; Imaniyati, Neni Sri; Putra, Panji Adam Agus
Indonesian Journal of Social Science Research Vol. 5 No. 1 (2024): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijssr.05.01.20

Abstract

One of the financing contracts offered by Islamic banks is the Murabahah financing contract. The Murabahah financing contract functions to increase the utility of money and capital, as well as the utility of goods. Article 127 of the Compilation of Sharia Economic Law (KHES) allows the seller to request the buyer to provide collateral in the Murabahah contract. Fatwa DSN-MUI No. 03/DSN-MUI/IV/2000 regarding Murabahah permits banks to request collateral from financed customers. This provision aims to ensure that customers are serious about making payments. Based on KHES and the fatwa, banks are allowed to request collateral from customers to protect or ensure that their rights are not violated. In practice, to ensure that customers comply with payments, banks request collateral from customers. This collateral can be movable or immovable property. Collateral in the form of immovable property is called fiduciary collateral. Fiduciary collateral is regulated in Law No. 42 of 1999 concerning Fiduciary Collateral (UUJF). According to Article 5 paragraph 1 of UUJF, the imposition of collateral with fiduciary collateral "must" be made by a notarial deed. With this provision of UUJF, there is a difference. KHES and the fatwa of DSN MUI do not require financing contracts to be made using a notarial deed, while UUJF requires it to be made by a notarial deed. Islamic banks, some of which require financing contracts to be made by a notarial deed, while others do not. The adoption of UUJF in Islamic financing is considered inappropriate because it violates Sharia values. Objectives: (1) Explain the regulations used in Murabahah financing contracts in Islamic banks with fiduciary collateral according to the objectives of legal certainty and utility. (2) Describe the implementation of legal protection for customers using Murabahah financing contracts in Islamic banks with fiduciary collateral according to the objectives of legal certainty and utility. Research Method: Research approach: normative juridical. Research nature: descriptive analysis. Data types: secondary data and primary data. Sample determination technique: purposive sampling. Data collection technique: literature study and interviews. Data analysis technique: interpretation and legal analogy.
SYNERGY OF ISLAMIC BOARDING SCHOOL MANAGEMENT AND SHARIA ECONOMICS IN FOSTERING THE INDEPENDENCE OF AT-TAMUR STUDENTS Intan Nurrachmi; Panji Adam Agus Putra
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 3 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i2.2683

Abstract

Pesantren in this day and age must be an educational institution that instills Islamic values as a whole, both teaching worship procedures and social social procedures. The management of the pesantren must synergize with other fields in order to make students independent in meeting their life needs. This study aims to analyze the synergy between pesantren management and sharia economics in fostering student independence at the At-Tamur Islamic Boarding School. The research method used is qualitative with a case study approach. Data were collected through observations, in-depth interviews, and documentation studies. The results of the study show that the integration between effective pesantren management and the application of sharia economic principles is able to create an environment that supports the development of student independence. Programs such as sharia cooperatives, entrepreneurship training, and sharia-based financial management are the main keys in achieving these goals. This synergy not only increases the financial independence of students but also forms a character in accordance with Islamic values.
Kajian Sistematis atas Stimulus–Organism–Response (S-O-R) dalam Pemasaran Digital Syariah Fahrudin Misdar; Nandang Ikhwanudin; Panji Adam
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19235

Abstract

This systematic literature review integrates various empirical data at the intersection of the Stimulus-Organism-Response (S-O-R) framework, digital marketing strategies, and Islamic ethical principles. This study aims to construct an integrated model through a careful data screening process from the Google Scholar database for the period 2021 to 2025. The research procedure was carried out by referring to the PRISMA guidelines, resulting in a final sample of 21 high-quality empirical articles. The thematic analysis successfully identified contrasting differences in the classification of stimuli driving Islamic digital marketing, namely between digital triggers such as content quality and social engagement, and product cues primarily represented by halal certification. These external stimuli activate two specific internal processes within consumers, namely cognitive mechanisms guided by halal awareness and emotional dimensions driven by religious awareness. Although purchase intention is confirmed as the main behavioral metric, this analysis also finds a growing trend of impulsive buying in an information-dense digital environment. As a result, this study formulates the Master S-O-R Model, which views Islam not merely as a cultural backdrop but as an active psychological filter for consumers within the current algorithmic trading ecosystem.
Co-Authors Aditya Nugraha Ahmad Faisal Akbar Aliya Putri Fitria Nuryanti Alma Hanifa Candra Yulia Amrulla Hayatudin Amrullah Hayatudin Anshori, Arif Rijal Aprillia Ratih Pawestri Samapta Asyila Putri Wibowo Atmima Tabi’inattien Al-ahya Ayu Tuty Utami Cecep Kusmana Dani Durahman Dayu Mirwan Dede Rifaldy Ambar Dhanisa Leryan Diajeng Ayunda Candra Kirana Diana Wiyanti Dina Rahmania Dzulhijjah, Liza Elisa Siti Widyastuti Fadhilah, Salma Nurul Fahrudin Misdar Faisal Musyaffa Faisal, Farid Fattah, Athiyatul Fauzia Rizqika Subrata Fawzi, Ramdan Firda Meilani Wijayanti Firda Nurfadilah Geugeut Kinasih Wahyuni Haliya Azka Imadi Heru Pratikno Hery Widijanto Imam Mugi Indra Wijaya Intan Nur Apriliani Intan Nurapriliani Intan Nurrachmi Intan Rahmawati Iwan Permana Jajang Saepul Hamzah Khoerunnisa Amalia Kurniawan, Cecep Soleh Liza Dzulhijjah M Faiz Mufidi M Zidan Al Insyani Maman Surahman Maman Surahman Marjan Laraswati Maulida, Ira Siti Rohmah Melawati Miftah Farid Aziez Mohamad Dandi Maulana Muhamad Naufal Al Dzikri Muhamad Rafi Maududi Islam Muhammad Alfin Zayynur Rofiq Muhammad Fadhli Afkar Muhammad Farhan Bagja Naufal Muhammad Hatta Muhammad Noval Muhammad Risandi Lampah Nadiya Ratna Pura Nadya Salsabila Najmi Nurfauzi Ihsani Nandang Ikhwanudin Nanik Eprianti Neng Dewi Himayasari Neni Sri Imaniyati Noviyanti Ramdhani Nugraha, Ivan Nur Arifah, Siti Asiyah Nurbani Syifa Nurjanah Permana, Iwan Popon Srisusilawati Puteri Asyifa Octavia Apandy Putra, Yuda Dharma Putri Diah Ayu Lestari Ratna Januarita Redi Hadiyanto Redi Hadiyanto Reni Trimelawati Rifqi Permana Rois, Yovanka Graciela Rosyidah, Fairuz Syifa Salma Nurul Fadhilah Sandi Rizki Febriadi Selly Eriska Shindu Irwansyah Siregar, Ariani Siti Karomah Nuraeni Sri Imaniyari, Neni Sundari, Rini Irianti Syalsya Elsa Fadillah Syifa Dewi Fajriyani Tahany, Tahany Tiya Rissa Kamila Trimelawati, Reni Trisya Aprianti Udin Saripudin Wijayanti, Intan Manggala Wulan Yandi Maryandi Yayat Rahmat Hidayat Yoghi Arief Susanto Yusup, Akhmad Zaini Abdul Malik