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All Journal Maqrizi : Journal of Economics and Islamic Economics Bulletin of Islamic Research
Luntajo, Moh. Muzwir R.
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Goods Pawning Practices in Bilalang Satu Village and Their Conformity with Islamic Economic Principles Hasan, Faradila; Willya, Evra; Ngurawan, Siti Sugianti; Luntajo, Moh. Muzwir R.
Bulletin of Islamic Research Vol. 2 No. 4 (2024)
Publisher : Educational Foundation for Qur'anic Exegesis and Hadith Studies (Yayasan Pendidikan Tafsir Hadis)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69526/bir.v2i4.63

Abstract

Bilalang Satu Village is a village in Bilalang Subdistrict, Bolaang Mongondow Regency, North Sulawesi, where the majority of residents are Muslim. On several occasions, they have engaged in pawning practices to meet financial needs. Unfortunately, the current pawning practices are deemed non-compliant with Islamic Law, for example: 20% monthly interest rates without time limits, smaller loan amounts compared to the pawned item's value, creditor intimidation during default, and weak legal instruments protecting pawn customers. The community's lack of understanding regarding Sharia pawning further aggravates this situation. This study aims to analyze the Sharia compliance of pawning practices in Bilalang Satu Village and formulate recommendations for reform. The research utilizes a qualitative method with a case study approach. Data collection is conducted through in-depth interviews, observations, documentation review of pawning contracts, and literature review. The collected data is then qualitatively analyzed from an Islamic economic perspective. The results show that asset pawning in this village has minimal compliance with Sharia principles and provisions, making it potentially exploitative and detrimental to villagers. The recommendations formulated include: massive socialization and regulation of Sharia pawning, establishment of a Sharia Pawning Cooperative, as well as sustainable educational and assistance programs. These reform efforts require a participatory approach to be genuinely accepted by villagers. Thus, it is hoped that pawning practices in Bilalang Satu Village will be able to align with the principles of justice in the Islamic economy.
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.
Co-Authors Evra Willya Hasan, Faradila Hasan, Jamaludin Jamal, Ridwan Ngurawan, Siti Sugianti Telsy Fratama Dewi Samad