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All Journal Jurnal Ilmiah Ekonomi Islam Istinbath: Jurnal Hukum dan Ekonomi Islam Iqtishodia: Jurnal Ekonomi Syariah
Zustika, Anisa Fadilah
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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IMPLEMENTATION OF MULTI-AKAD STRUCTURES IN SHARIA PEER-TO-PEER LENDING PLATFORMS: A STUDY ON LEGAL COMPLIANCE AND INNOVATION IN INDONESIA’S FINTECH ECOSYSTEM Zustika, Anisa Fadilah; Widiastuti, Tika; Bonang, Dahlia
istinbath Vol. 24 No. 1 (2025): June
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i1.913

Abstract

In the era of Society 5.0, the development of digital technology has increasingly influenced Indonesia’s financial sector, particularly through financial technology (fintech). This study explores the implementation of multi-akad (multiple contract structures) in Sharia Peer-to-Peer (P2P) Lending platforms in Indonesia. Using a qualitative case study method supported by in-depth interviews and documentation, the study identifies and analyzes contract types such as Qardh, Wakalah bil Ujrah, and Mudharabah Mutlaqah as applied within P2P lending schemes. Findings show that multi-akad practices, specifically categorized under al-‘Uqud al-Mujtami’ah, not only support Sharia compliance but also demonstrate innovation in adapting Islamic jurisprudence to contemporary digital finance. The study contributes to regulatory strengthening, offering insights to policymakers, platforms, and stakeholders in developing inclusive and ethical Sharia-compliant fintech ecosystems.
Fintech Ecosystem on Blockchain-Based Sukuk: Perspective of Al-Najjar's Maqāṣid Al-Shariah Concept Iman, Aldi Khusmufa Nur; Zustika, Anisa Fadilah; Maghfiroh, Lailatul; Wahdati, Anis
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.2086

Abstract

The Fourth Industrial Revolution has had a significant impact on financial technology, one of which is the emergence of blockchain technology as a tool for sukuk issuance. This study aims to analyze the fintech ecosystem in blockchain-based sukuk using the Maqāṣid al-najjar theory approach, which include: faith, humanity, self, mind, welfare, social entities, wealth, and the environment. This study uses a qualitative methodology with a literature study approach. The results of the study indicate that sukuk based on blockchain technology are in line with seven of the eight basic principles set out in the Maqāṣid al-najjar framework. technology such as smart contracts, transparency of blockchain technology, efficiency of sukuk issuance, and safe and globally supportive accessibility. such as an example of one of the values of faith through Sharia compliance, humanity through efficiency and reduction of issuance costs, and wealth through the distribution of assets carried out safely and transparently. However, the environmental dimension is still not met in these values, due to the high energy consumption of blockchain, which is contrary to the Maqāṣid al-najjar theory of preserving the environment. This study concludes that blockchain technology-based sukuk is very much in line with the basic principles of Maqāṣid Al Najjar, such as increasing the efficiency and accessibility of Islamic financial instruments. However, to fully fulfill the eight elements of Maqāṣid sharia initiated by al najjar, efforts are needed to address environmental problems and challenges through the development and innovation of energy-efficient blockchain technology or other sustainable solutions
Penerapan Etika Bisnis Islam Dalam kegiatan Entrepeunership (Study kasus AHASS Putra Merdeka 01499 Surabaya) zustika, anisa fadilah; ubaidillah, naufal
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10039

Abstract

This study aims to analyze the application of Islamic Business Ethics in the management of the workshop Ahass Putra Merdeka 01499 Surabaya. The study used a qualitative approach by conducting indept interviews. Further analyzed using descriptive analysis methods. The results of this study concluded that the management of ahass putra merdeka 01499 Surabaya workshop in accordance with the basic values of Islamic Business Ethics. The first is the value of Tawheed to carry out buying and selling activities without a usury system and to sell certain goods, namely motor spare parts and providing services and understanding all ownership belongs to Allah so that the workshop owner performs zakat every year as an obligation and performs shodaqoh every day to help fellow human beings , both intellectual values and responsibilities, the third value of worship workshop owner requires for a matter of 5 times for employees so as not to leave the obligations of a muslim and perform prayers before doing activities to seek the pleasure and blessings of Allah, the fourth value tazkiyah owner apply the principles of honesty, justice, openness, the fifth value ihsan kindness to others, and togetherness. The results of the study stated that the basic values in Islamic business ethics have been fully applied in the management of Ahaas Putra Mederka 01499 Surabaya workshop. To support these values, it is necessary to upgrade several things both technically and facilities.
Co-Authors Aldi Khusmufa Nur Iman Bonang, Dahlia LAILATUL MAGHFIROH Tika Widiastuti ubaidillah, naufal Wahdati, Anis