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All Journal International Journal of Nusantara Islam JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Jurnal Asy-Syari'ah Diponegoro Law Review Al-Mustashfa JURISDICTIE Jurnal Hukum dan Syariah Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Al-Syir'ah Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan IKRA-ITH EKONOMIKA Journal of Economicate Studies AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Amwaluna Jurnal Ekonomi dan Keuangan Syariah JURNAL ILMIAH KESEHATAN SANDI HUSADA TEMALI : Jurnal Pembangunan Sosial Rayah Al Islam : Jurnal Ilmu Islam Jurnal Hukum Ekonomi Syariah Coopetition : Jurnal Ilmiah Manajemen JES (Jurnal Ekonomi Syariah Bertuah : Jurnal Syariah dan Ekonomi Islam Airlangga International Journal of Islamic Economics and Finance Journal of Islamic Economics and Philanthropy Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah El-Ecosy : Jurnal Ekonomi dan Keuangan Islam J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Jurnal Iqtisaduna Mimbar Agama Budaya Journal Islamic Economics Ad Diwan Jurnal Ekonomi Syariah dan Bisnis Al-Manahij : Jurnal Kajian Hukum Islam JURNAL ECONOMINA Likuid: Jurnal Ekonomi Industri Halal Jurnal Multidisiplin West Science Innovative: Journal Of Social Science Research Indonesian Journal of Advanced Research (IJAR) Ekalaya : Jurnal Ekonomi Akuntansi Bisma : Business and Management Journal ISLAMICA : Jurnal Ilmu-Ilmu Agama Islam Jurnal Global Ilmiah Zona Law And Public Administration Indonesia Anayasa International Journal of Nusantara Islam Journal of Islamic Law (EJIL) Jurnal International Economic Sharia International Journal of Law Social Sciences and Management Jurnal Ilmiah Kesehatan Sandi Husada Mashlahah: Journal of Islamic Economics Ekopedia: Jurnal Ilmiah Ekonomi Iqtisad : Journal of Islamic Economic and Civilization Ipso Jure Khazanah Sosial
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Normative and Practical Distinction Between Ijarah, 'Ariyah, Hiwalah, And Qard: A Comparative Study of Muamalah Fiqh in Indonesia Rifai, Ahmad; Jubaedah, Dedah; Setiawan, Iwan
Zona Law And Public Administration Indonesia Vol. 4 No. 1 (2026): January 2026
Publisher : Yayasan Mentari Madani

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

Abstract

This study aims to analyze the normative and practical differences between the four main contracts in fiqh muamalah, namely ijarah (rent-benefit), 'ariyah (borrowing goods without compensation), hiwalah (debt transfer), and qard (voluntary loan). Normatively, the four contracts have a strong foundation in classical fiqh literature, but their practice in Indonesia shows different variations and challenges. The research uses a qualitative field approach with in-depth interviews and observations on the community and Islamic financial institutions, especially BMT, KJKS, and Islamic banks. The results of the study show that there is a gap between normative fiqh and the reality of the field. Ijarah contracts are widely developed in Islamic financial institutions, but some people still equate them with buying and selling. Akad 'ariyah is more dominant in daily social interactions, reflecting the value of helping, although it is rarely understood as part of the fiqh of muamalah. Hiwalah contracts have been found to be very limited, although they have great potential to support modern transactions similar to debt transfer mechanisms in conventional finance. Meanwhile, qard contracts are still popular both in the social and institutional realms, but in practice they are often confused with interest-bearing loans so that they risk deviating from sharia principles. This study concludes that the low sharia literacy of the community and the limitation of product innovation in financial institutions are the main factors that cause the gap between norms and practices. Therefore, public education, intensive socialization, and the development of innovative products based on muamalah contracts are needed so that the concept of classical fiqh is not only a normative reference, but also functions as a real instrument in building the Islamic economy in Indonesia
Islamic Corporate Social Responsibility (ICSR): Kerangka Konseptual dan Pelaporan Berdasarkan Maqashid Syariah Salimudin, Mumud; Jubaedah, Dedah
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14087

Abstract

This article aims to explore Islamic Corporate Social Responsibility (ICSR) in terms of conceptual framework and social reporting based on Maqashid Sharia. The research uses a qualitative approach with the type of literature study. In Islam, the concept of social responsibility has a strong foundation through the teachings of the Qur'an and Hadith, which promote justice, balance, and concern for others. Islamic Corporate Social Responsibility (ICSR) integrates these principles with modern CSR practices, thus creating a holistic approach and in line with Islamic values. The framework of Islamic Social Responsibility Based on Maqashid Sharia has a close relationship with the three concepts of social responsibility relations played by humans. The three relationships are man's relationship of responsibility with God, man's relationship of responsibility with man and man's relationship with the environment. The three relationships are based on five principles, namely tawhid, caliph, justice, ukhuwah, and problem creation. From the five principles of human social responsibility relations, four dimensions are formed, namely economic, legal, ethical, and philanthropic
Institutional Development of the Islamic Capital Market in Indonesia: Concepts, Instruments, and Regulatory Challenges Rahmah, Yulia Fitriany; Jubaedah, Dedah; Dermawan, Muhammad Jagat
Iqtisad: Journal of Islamic Economic and Civilization Vol. 2 No. 1 (2026): Iqtisad : Journal of Islamic Economic and Civilization (In Progress)
Publisher : PT. Student Rihlah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61630/ijiec.v2i1.17

Abstract

The Islamic capital market constitutes an essential component of the Islamic financial system, designed to provide investment mechanisms that comply with Sharia principles, particularly the prohibition of riba, gharar, and maisir. This study aims to examine the concept, institutional structure, instruments, economic functions, as well as the challenges and development strategies of the Islamic capital market in Indonesia. The research employs a qualitative descriptive approach with conceptual and normative analysis, based on a literature review of regulatory frameworks, fatwas issued by the National Sharia Council of Indonesia, and relevant academic and institutional publications. The findings indicate that the Islamic capital market in Indonesia has established a relatively sound conceptual and regulatory foundation through the integration of national capital market law and Sharia governance. The main instruments include Sharia-compliant equities, sukuk, and Islamic mutual funds, with the Jakarta Islamic Index serving as a benchmark for Sharia-based equity performance. Nevertheless, the development of the Islamic capital market remains constrained by limited investor literacy, shallow market depth, and the absence of a dedicated Islamic capital market law. This study highlights the need for strengthening the regulatory framework, expanding product innovation, and enhancing market literacy to maximize the contribution of the Islamic capital market to sustainable national economic development.
Analysis Of Microeconomic Theory According To Abu Ubayd And Al-Syaibani And Its Relevance To Pancasila Economy Adil, Ustad; Janwari, Yadi; Jubaedah, Dedah
Ipso Jure Vol. 1 No. 5 (2024): Ipso Jure- June
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/erfh7m81

Abstract

This study aims to analyze the microeconomic theory of Abu Ubayd in the book Al-Amwal and Al-Syaibani in the book al-Kasb and its relevance to the Pancasila economy. The research method used is a qualitative method with an analytical descriptive approach to the book of Al-Awal by Abu Ubayd and the book of Al-Kasb by Al-Syaibani and assisted from other reading sources related to the research title. Theresults of this study are Abu Ubayd in al-Amwal talks about basic human needs, legal and economic justice, Bedouin and urban dichotomy, while al-Syaibani explores the concept of al-Kasb (Work), according to him that work is the main element of production, has a very important position in life. Al-Syaibani also explained about wealth and destitution, the classification of businesses and about economic needs and specialization and distribution of work. The relevance of Abu Ubayd's economic thought with Pancasila Economy in accordance with the Indonesian Law No. 5 Year 1999 on the prohibition of monopolistic practices. While Al-Syaibani about al-Kasb (work) and the distribution of work is very relevant to the 1945 Constitution article 28 D Paragraph 2, namely Everyone has the right to work and get a fair and decent reward and treatment in labor relations.
Teori Uang dalam Perspektif Imam Al-Ghazali Sumiati, Sumiati; Janwari, Yadi; Jubaedah, Dedah
Jurnal Hukum Ekonomi Syariah Vol. 6 No. 1 (2023): April
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v6i1.14197

Abstract

Penelitian ini di dasari atas pemahaman secara prinsip yang tidak dapat dipungkiri bahwa uang dibutuhkan dalam hidup manusia yang digunakan untuk memenuhi kebutuhan tersebut, salah seorang pakar Islam yang membahas analisis ekonomi mikro dan fungsi uang adalah Imam Al-ghazalî. Tujuan penelitian ini untuk mengetahui pemikiran Al-ghazali mengenai konsep uang dan permasalahannya. Penelitian ini menggunakan metode kualitatif dengan menggunakan pendekatan metode studi pustaka. Hasil penelitian ini menunjukkan bahwa uang adalah nikmat Allah SWT yang telah diberikan kepada manusia dan mendorongnya untuk menikmati nikmat tuhan itu, menurut Al-ghazalî fungsi uang dipandang sebagai satuan hitung (qiwam al-Dunya), pengukur nilai barang (hâkim mutawasith) dan alat tukar/medium of exchange (al-mu’awwidlah). Berhubungan penimbunan uang Imam Al-ghazalî secara tegas melarang praktek tersebut, hal ini dikarenakan uang yang ditimbun akan dapat menyebabkan kelangkaan terhadap produktifitas dan menimbulkan lonjakan harga dan akan berkontribusi terhadap lumpuhnya roda perekonomian, begitupun dalam masalah uang yang dipalsukan, pencetakan dan pengedaran uang palsu yang dipandang berbahaya.
Convergence of Sharia Principles in Otoritas Jasa Keuangan (OJK) Indonesia Regulations and Their Impact on National Financial Policy Jefik Zulfikar Hafizd; Tajul Arifin; Hasan Bisri; Dedah Jubaedah
Khazanah Sosial Vol. 8 No. 1 (2026): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v8i1.51562

Abstract

This study analyzes the convergence of Sharia principles within the Financial Services Authority (OJK) regulatory framework and its impact on the transformation of Islamic financing law in Indonesia. Pursuant to Law No. 21 of 2011 on the Financial Services Authority and Law No. 4 of 2023 on the Development and Strengthening of the Financial Sector (P2SK), OJK is mandated to ensure that all Islamic financial institutions operate in compliance with Sharia principles. However, implementation remains suboptimal, both in terms of regulatory products and practical application. Using a qualitative empirical juridical approach, this study combines normative analysis of statutory regulations, OJK circulars (POJK and SEOJK), and DSN-MUI fatwas with field interviews conducted at the OJK Regional Office in Cirebon. In line with Antonios E. Platsas’s theory of legal convergence, the study finds that OJK’s regulatory approach reflects a multimodal integration of top-down legal harmonization and institutional adaptation of Sharia ethics. Nonetheless, convergence in practice remains largely formalistic, as many regulations still prioritize prudential and administrative compliance over substantive realization of maqāṣid al-sharī‘ah. Strengthening coordination between OJK and the Sharia Supervisory Board (DPS) is therefore essential to align regulatory governance with Sharia’s moral objectives of justice, partnership, and sustainability within Indonesia’s national financial system.
Co-Authors Abdurrahman Wahid, Abdurrahman Achmad Ridwan, Achmad Adil, Ustad Ageng Septa Rini Ageng Septa Rini Ahmad Fathan Aniq Ahmad Fauzi, Abdul Aziiz Ahmad Lukman Nugraha Ahmad Luqman Hakim Ahmad Rifai ahmad yani Annisa Eka Rahayu Annisa Tania Dewi anton athoillah Antoni Julian Apriani, Triana Armelia Prakasa Asman Taeali Asri Sundari Athoillah, Mohamad Anton Ayi Nurbaeti Berizi, Ahmad Burhanudin, Bunbun Muhamad Dermawan, Muhammad Jagat Dewi, Annisa Tania Ending Solehudin Evi Sopiah, Evi Fadhlya Hidayatunnisa, Nurul Fatahillah, Ikhwan Aulia Febriyani, Putri Agus Feby Pebryanti Suhendi Friasta, Intan Ghozali, Mohamad Gojali, Dudang Gómez, José Manuel Naranjo Gunariah, Frilla Hadi, Sholikul Hafizd, Jefik Zulfikar Hasan Bisri Hasan Bisri Hasanudin Hasanudin Heni Pujiastuti Heryana, Sandi Hidayah, Paisah Nurul Hisam Ahyani ian rakhmawan suherli Ilmia, Anisa Intan Friasta Irni Sri Cahyanti Ishandawi Iwan Setiawan Janwari , Yadi Janwari, Yadi Jauhari, Moh. Ahsanuddin Jefik Zulfikar Hafizd Kamaludin, Asep Kikin H Mutaqin Kusuma, Nurul Rahmah Kuswandi, Yudi Lestari, Putri Sri M Aditiya, Iip Maricar, Hudzaifah Muhammad Maulana, Fauzan Aziz Maulin, Mery Mohamad Anton Athoillah Mohd Roslan Mohd Nor Muhammad, Bohari Agus Muharni, Yusraini Mukhlas, Oyo Sunaryo Mursyidah Zein, Ai Imas Mustofa Mustofa Mutakin, Ali Naeli Mutmainah Nanang Sobarna Nasrudin Noradin, Muhammad Farhan Bin Mat Nur Hida, Ziyana Nurhasana, Nurhasana Nurjamil Nursari, Nina Pandu Pribadi Pangestu, Gaidha Khusnul Parhan, Parhan Pramayanti, Dian Ikha Putra, Haris Maiza Rahmah Kusumah, Nurul Rahmah, Yulia Fithriany Rahmah, Yulia Fitriany Rahmawati, Indriyani Dwi Rajiman, Arman Rosidah, Rose Rudi Ahmad Suryadi, Rudi Ahmad Rukmanda, Meirani Rahayu Said, Nuralika Yepsi Sarmilantiva Salimudin, Mumud Santika, Ganjar Sar'an, Mohamad Shinta Mona Lisca Siskanti, Siskanti Slamet Santoso Sofian Al Hakim, Sofian Sri Lestari, Putri Suhendi, Feby Pebryanti Suherli, Ian Rakhmawan Sulaeman Sulaeman Sulaeman Sumiati Sumiati Supriatna Supriatna Sutiana, Yana Tajul Arifin Tajul Arifin Wawan Oktriawan Widiastuti, Dwi Suci Yadi Janwari Yeli Yuliani Yuliani, Yeli Yuniarti, Vinna Sri Yusup, Deni Kamaludin