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Kebijakan Ekonomi pada Masa Dinasti Bani Umayyah Patih, Husnama
Journal of Industrial and Syariah Economics Vol. 1 No. 1 (2023): October
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v1i1.18

Since Rasulullah SAW died in 632 H, the Islamic government was made by Khulafaur Rasyidin, which was started by Abu Bakar and continued by Umar, Ustman to Ali bin Abi Talib. The appointment of the caliph over Khulafaur Rosyidin was a careless request based on deliberation to reach a consensus. Until finally after the death of Ali bin Abi Talib, the stick of the caliphate was taken over by Muawiyah bin Abu Sofyan from the Umayyads who became a turning point for the change in the government system from initial deliberation into an absolute monarchy. Muawiyah bin Abu Sofyan was a reliable politician, with his absolute monarchy system who was able to run the Umayyad government for 90 years from 41 H. / 661 AD to 132 H. / 750 AD. Because Muawiyah became caliph not from a deliberative system which was carried out during the Caliphate of Khulafaur Rosyidin period, this caused the division of the Muslims into several groups. However, we cannot deny all the progress that the Umayyad Caliphate made during its establishment in terms of politics, education, economy, and culture.

Implementasi Hukum Kartu Kredit dalam Keuangan Syariah (Ditinjau dari Syariat Islam) Rofiqoh, Relita; Patih, Husnama; Firnanda, Devi
Journal of Industrial and Syariah Economics Vol. 1 No. 2 (2024): April
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v1i2.33

This research aims to conduct an analysis of the implementation of contracts that can be used as a legal basis for credit card products in Sharia financial institutions. In Sharia banking, the definition of credit cards is regulated by DSN-MUI Fatwa No.42/DSN-MUI/V/2004 concerning Syariah Charge Card, and No. 54/DSN-MUI/X/2006is a tool that functions like a credit card is generally based on an existing system that has several parties concerned and is based on Sharia provisions. The use of descriptive qualitative research methods in the Systematic Literature Review. Data collection through references to scientific literature, books, and previous research. The research results show that there are many parties involved in the implementation of credit card transactions and have various differences of opinion regarding the use of credit cards the determination of the credit card contract is still debated among clerics. Determination of the contract is something that is said to be important because it is related to the law of whether a transaction is haram or halal and several contracts can be combined so that you can find the appropriate contract to use in transactions. There are six possible contracts implemented in sharia financial institutions, namely kafalah, hawalah, wakalah, qardh, ijarah, and murabahah.

Governance Zakat Produktif: Membangun Lembaga yang Transparan dan Akuntabel Rufaedah, Dina Anisya; Patih, Husnama
Journal of Industrial and Syariah Economics Vol. 2 No. 1 (2024): October
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v2i1.48

Productive zakat is a Sharia economic instrument that has great potential to empower the people's economy. However, successful implementation is highly dependent on governance (governance) the good one. This research aims to examine the importance of building a transparent and accountable zakat management institution in supporting the success of productive zakat. Through a literature review and case analysis, this research concludes that transparency and accountability are the main keys in building public trust in institutions. Transparency includes disclosure of information regarding the management of zakat funds, distribution mechanisms, and the results achieved. Meanwhile, accountability means that the institution is accountable to all stakeholders, including muzakki, mustahik, and the government. This research also identifies several factors that can support the realization of a transparent and accountable zakat management institution, such as the existence of a good financial management system, independent monitoring mechanisms, and active community participation in the decision-making process.

Analisis Hukum Fikih Muamalah Kontemporer terhadap Penggunaan Aset Kripto dalam Zakat Produktif Patih, Husnama
Journal of Industrial and Syariah Economics Vol. 2 No. 1 (2024): October
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v2i1.49

Contemporary muamalah jurisprudence continues to evolve in line with the dynamics of the global economy. The emergence of crypto assets as a digital financial instrument presents new challenges in the application of Islamic law, especially in terms of productive zakat. This study analyzes the law of using crypto assets as an object of productive zakat. Through the maqashid Sharia approach and a review of contemporary fiqh literature, this study concludes that the potential use of crypto assets as an object of productive zakat needs to be studied more deeply. Although crypto assets have different characteristics from fiat currencies, the general principles of productive zakat are still relevant to be applied. Several things must be observed: the volatile nature of crypto, regulations that are not yet consistent in various countries, and the potential risks associated with using crypto assets. This research hopes that it can participate in developing Islamic law that is adaptive to the times and provide guidance for Muslims in managing crypto assets in a Sharia manner.

Islamic Social Finance in Indonesia: Literature Review Rufaedah, Dina Anisya; Patih, Husnama
Journal of Industrial and Syariah Economics Vol. 2 No. 2 (2025): April
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v2i2.80

The development of the Islamic financial sector has grown rapidly. This can be seen from the development of Islamic finance research, which continues to grow every year. As highlighted in previous research, there are still gaps in our knowledge of what and how Islamic finance will evolve, especially in Islamic social finance. This research analyzes the evolution of the literature from 2013 to 2025 to find out how to fill the knowledge gap in the field of Islamic social finance. This research uses two methods, namely bibliometrics and Systematic Literature Review (SLR). The data used in the analysis is secondary data taken from the Scopus web. The results of bibliometric analysis show that the last 13 years of Islamic social finance research have increased by 80%, with the main focus on Islamic banks, zakat, and waqf. Next, a content analysis of the findings of the four main research streams we conducted. Finally, we present four research questions that can be explored in the future. The findings have a number of implications for the state of the Islamic social finance literature, including study gaps and potential future research initiatives.

Pendekatan Jawabir dan Zawajir: Teori Behavioral Prevention terhadap Perspektif Ibrahim Hosen dalam Praktik Pencegahan Riba Patih, Husnama; Rufaedah, Dina Anisya
Journal of Industrial and Syariah Economics Vol. 2 No. 2 (2025): April
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v2i2.81

The Jawabir and Zawajir approach in the context of Islamic criminal law offers two different perspectives on law enforcement and crime prevention. Jawabir, which means coercion, focuses on the application of punishment as outlined in the textual provisions of the Qur'an and Hadith, aimed at atoning for the sins of criminals. On the other hand, Zawajir, which means prevention, emphasizes the importance of preventing crimes before they occur to create a deterrent effect for the wider community. Ibrahim Hosen, a prominent figure in ushul fiqh in Indonesia, proposed a reinterpretation of these two approaches. He emphasized that the application of law should be more flexible and responsive to the times and the needs of society. Hosen argues that the Zawajir approach is more relevant in the modern context, as it functions not only as punishment but also as a means of rehabilitation and prevention. Through the application of behavioral prevention theory, Hosen emphasizes that punishment should not only be retributive but also preventive, aiming to reduce the likelihood of future crime recurrence. As such, this approach seeks to strike a balance between justice and the public good. This study uses a qualitative library research method with content analysis, comparing classical Islamic legal texts and modern criminological theories. The findings indicate that Zawajir aligns closely with behavioral prevention, offering a preventive and reformative model compatible with maqasid al-sharia. This research contributes by bridging Islamic legal traditions and modern behavioral approaches to strengthen preventive strategies against riba.

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