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Khairunnisa, Dina
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Digitalization of Halal Markets and Sharia E-Comme nurjannah, syamratun; Hidayat, Samsul; Khairunnisa, Dina; Al Faridzy, Muhammad N; Chairunnisa, Riska
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 2 (2025): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/0zyq6835

Abstract

This study aims to reassess sharia compliance and ethical consumerism in the process of halal market digitalization and the development of sharia e-commerce in Indonesia amid the era of technological disruption. The approach used is normative-fiqh combined with a comparative analysis between fiqh muamalah provisions, DSN-MUI fatwas, and Financial Services Authority (OJK) regulations, with empirical case studies on three main platforms: Tokopedia Salam, Halal.id, and Alami Sharia. The results of the study show a gap between Sharia legal norms and actual practices in the digital space, particularly in terms of electronic contracts, the potential for gharar, riba, and tadlis. DSN-MUI fatwas have provided a legal basis for digital financial innovation, but their implementation has not been integrated with a digital Sharia audit system that is adaptive to technological developments such as smart contracts and AI-based verification. Empirically, Tokopedia Salam excels in market inclusion but is weak in halal verification, Halal.id excels in product transparency but has the potential for usury in its payment system, while Alami Sharia demonstrates the strongest sharia compliance model through DSN supervision and the application of mudharabah contracts. Theoretically, this research contributes to the development of a conceptual model of the Digital Sharia Governance Framework that integrates the principles of maqasid al-syariah with digital economic governance. The practical implications encourage policy harmonization between DSN-MUI, OJK, and BPJPH to form an inclusive, transparent, and equitable digital halal ecosystem in accordance with Islamic values.
PROGRAM PENGUATAN AKHLAK MULIA DAN KEDERMAWANAN MELALUI PEMBIASAAN SEDEKAH Khairunnisa, Dina; Ulfi, Zahrotul; Auralia, Sifa; Solihin, Muhammad; Barizi, Muhammad Fathir; Hadi, Rino
Masyarakat: Jurnal Pengabdian Vol. 1 No. 4 (2025)
Publisher : Yayasan Pendidikan Dan Pengembangan Harapan Ananda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58740/m-jp.v1i4.689

Abstract

Pendidikan karakter merupakan aspek penting dalam pembentukan kepribadian anak, khususnya dalam menanamkan akhlak mulia dan sikap kedermawanan sejak usia dini. Namun, hasil observasi awal di TPQ Amanah, Desa Pal IX, Kecamatan Sungai Kakap, Kabupaten Kubu Raya, menunjukkan masih rendahnya empati sosial dan perilaku kedermawanan pada sebagian anak. Oleh karena itu, kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan untuk memperkuat akhlak mulia dan kedermawanan anak-anak TPQ melalui pembiasaan sedekah. Metode yang digunakan adalah metode partisipatif dengan melibatkan anak-anak secara aktif dalam seluruh rangkaian kegiatan. Pelaksanaan program dilakukan melalui tahapan observasi, penyampaian materi, diskusi interaktif, praktik sedekah, serta evaluasi melalui tanya jawab dan kuis. Hasil kegiatan menunjukkan adanya peningkatan pemahaman, antusiasme, dan partisipasi aktif anak-anak terhadap nilai-nilai sedekah dan akhlak Islami. Anak-anak menunjukkan sikap lebih peduli, berani berpendapat, serta memahami pentingnya berbagi dan berperilaku baik dalam kehidupan sehari-hari. Dengan demikian, program ini terbukti efektif dalam mendukung penguatan karakter Islami anak-anak TPQ Amanah dan berpotensi untuk diterapkan secara berkelanjutan sebagai model pembinaan karakter pada lembaga pendidikan nonformal.
Praktk Pinjaman Online Dalam Perspektif Fiqh Muamalah: Analisis Terhadap Unsur Riba dan Gharar Damayanti, Novi; Chairunnisa Siregar, Riska; Khairunnisa, Dina
Millatuna: Jurnal Studi Islam Vol. 3 No. 02 (2026): Studi Islam
Publisher : Fakultas Agama Islam, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/mjsi.v3i02.11196

Abstract

Perkembangan layanan pinjaman online (fintech lending) memberikan kemudahan akses pembiayaan, namun menimbulkan persoalan hukum Islam terkait riba dan gharar. Penelitian kualitatif normatif-yuridis ini bertujuan menganalisis kesesuaian praktik pinjaman online dengan ketentuan fikih muamalah serta perlindungan konsumen. Melalui studi kepustakaan, data bersumber dari Al-Qur'an, hadis, fatwa DSN-MUI, dan regulasi terkait, yang dianalisis secara deskriptif-analitis dengan pendekatan deduktif. Hasil penelitian menunjukkan bahwa praktik pinjaman online umumnya belum sepenuhnya memenuhi prinsip fikih muamalah karena masih mengandung unsur bunga, denda keterlambatan, dan ketidakjelasan akad. Penelitian ini menyimpulkan bahwa keabsahan pinjaman online ditentukan oleh substansi transaksi dan dampak sosial-ekonominya. Oleh karena itu, diperlukan integrasi prinsip syariah, regulasi, dan etika perlindungan konsumen untuk mewujudkan pembiayaan digital yang adil dan berorientasi pada kemaslahatan.
Pemberdayaan Masyarakat melalui Penguatan Aktivitas Keagamaan Berbasis Ekonomi Sosial di Kampung Temaga Dayak, Sarawak: Indonesia Zulinda, Nia; Helvira, Reni; Khairunnisa, Dina; Elisa, Ema; Putri, Izza Karunia; Mutia, Khairunnisa Tabina; Safitri, Fizenty; Ghazi, Rayyan Afiq Al
Jurnal Abdimas Madani dan Lestari (JAMALI) Volume 08, Issue 2, September 2026
Publisher : UII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jamali.vol8.iss2.art15

Abstract

The Dayak Temaga community in Sarawak, Malaysia, maintains a strong tradition of togetherness in supporting religious activities through the practices of mutual cooperation, resource sharing, and communal dining. However, social changes resulting from modernization, along with increasing economic pressures, have the potential to reduce community participation in preserving these traditions. This community service program aims to strengthen religious activities through community empowerment based on the principles of the social economy, togetherness, and local wisdom. The program was implemented through mentoring religious activities, providing basic Islamic education, reinforcing the values of mutual cooperation, and facilitating communal dining as a means of strengthening the community's social and spiritual relationships. The implementation of the program involved several stages, including assessing community needs through observation, coordinating with religious and community leaders, conducting participatory program activities, and evaluating community involvement throughout the implementation process. The results demonstrate increased community participation in various religious activities, the growth of collective awareness to preserve the traditions of sharing and mutual cooperation, and stronger collaboration among community members, religious leaders, and university students in supporting the sustainability of religious activities. The program also succeeded in strengthening social relationships, fostering the spirit of togetherness, and promoting the internalization of religious values through social economy practices based on community participation. Therefore, community empowerment through the strengthening of religious activities based on the social economy represents a relevant approach to supporting the sustainability of religious life among the Dayak Temaga community and may serve as a model for community service programs grounded in local wisdom.
Co-Authors Abdul Wahid Abdur Rohman Abdurahman Abdurrahman Agustina, Deby Al Faridzy, Muhammad N Ariza, Anggatia Asmu'i, Asmu'i Atikha, Suci Auralia, Sifa Bahrul Ulum Barizi, Muhammad Fathir Chairunnisa Siregar, Riska Chairunnisa, Riska Diawati, Prety Dimas Satria, Wahyu Elisa, Ema fatimah Fatimah Fitri Jayanti, Fitri Fitriani, Resti Gemely, Delfina Ghazi, Rayyan Afiq Al Gunawan, M. Wawan Gustari, Aprilia Farza Hadi, Rino Hasmiyati, Cut Helvira, Reni M. Agus Muhtadi Bilhaq Maryani Maryani Muhammad Kamal Fathurrozi Muhammad Solihin, Muhammad Mutia, Khairunnisa Tabina Novi Damayanti, Novi Novita Novita Novita Nurjannah, Syamratun Opis, Opis Putri, Izza Karunia Rahmah Yulisa Kalbarini, Rahmah Yulisa Rubiah, Rubiah Safitri, Fizenty Samsul Hidayat Saragih, Eka Junila Sari, Dania Novita Sari, Tiana Novita Sundari, Rima Ulfi, Zahrotul You , Theofiliano Benediktus Ugaiye Zaidar, Muhammad Zulinda, Nia