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All Journal Al-Risalah : Jurnal Imu Syariah dan Hukum AL-Daulah Jurnal Al-Qadau: Peradilan dan Hukum Keluarga Islam Jurisprudentie DIKTUM: Jurnal Syariah dan Hukum SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Pusaka : Jurnal Khazanah Keagamaan Progressive Law Review Hikmah BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam Siyasatuna Jurnal Ilmiyah Mahasiswa Siyasah Syariyyah Qadauna: Jurnal Ilmiah Mahasiswa Hukum Keluarga Islam El-kahfi : Journal of Islamic economics El-Iqtishady Devotion: Journal of Research and Community Service Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah TASAMUH: Jurnal Studi Islam Shautuna: Jurnal Ilmiah Mahasiswa Perbandingan Mazhab Journal of Innovation Research and Knowledge DIKTUM: JURNAL SYARIAH DAN HUKUM Al-Zayn: Jurnal Ilmu Sosial & Hukum Media Hukum Indonesia (MHI) HISABUNA: Jurnal Ilmu Falak PESHUM
Musyfikah Ilyas
Universitas Islam Negeri Alauddin Makassar
Religion Arts Humanities Astronomy Earth & Planetary Sciences Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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Regulatory Disharmony Paradigms and Patterns in Islamic Finance: Integrative Strategy for Islamic Law-Based Transformation Affandi, Ahmad Zulkifli; Kurniati, Kurniati; Ilyas, Musyfikah
Devotion : Journal of Research and Community Service Vol. 6 No. 12 (2025): Devotion: Journal of Community Research
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/devotion.v6i12.25586

Abstract

This study aims to analyze the patterns of regulatory disharmony in Indonesia’s Sharia digital economy and propose an integrative harmonization strategy based on Islamic law principles to strengthen institutional synergy, legal certainty, and sector competitiveness. This normative-juridical research employs a qualitative descriptive-analytical approach, using secondary data from laws, regulations, fatwas, official reports, and academic literature. Data were analyzed through content and thematic analysis to identify regulatory gaps and formulate policy recommendations. The study identifies four main patterns of disharmony: (1) delayed DSN-MUI fatwas on fintech innovations, (2) dual OJK-BI authority in bank-fintech supervision, (3) unclear regulations on blockchain and smart contracts, and (4) vulnerability to Sharia-based fraud. These issues stem from weak coordination among OJK, BI, DSN-MUI, the Ministry of Cooperatives, and the Ministry of MSMEs. Regulatory harmonization is essential to unlock the full potential of Indonesia’s Sharia digital economy. An integrative strategy involving a Regulatory Harmonization Task Force, an integrated information system (SITRFES), joint SOPs, and a phased implementation roadmap (2026–2031) is proposed to enhance coordination, accelerate innovation, and ensure Sharia compliance. The findings offer actionable insights for policymakers and regulators to strengthen cross-institutional synergy, improve legal certainty, and position Indonesia as a resilient and competitive global hub for Islamic finance. Lessons from Malaysia’s BNM-SAC model and the UAE’s DFSA-HSA framework provide valuable benchmarks for implementation.
The Kuda Pattu’duq Tradition in the Perspective of Maqashid Al-Shari’ah Hasanuddin, Hasriah; Hasan, Hamzah; Ilyas, Musyfikah
Hikmah Vol. 23 No. 1 (2026): Januari-Juni 2026
Publisher : Sekolah Tinggi Agama Islam Sumatera Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53802/hikmah.v23i1.641

Abstract

This study examines the role of the kuda pattu’duq tradition in the community of Campalagian District, Polewali Mandar Regency, from the perspective of maqashid al-shari’ah. The research focuses on how this tradition conveys social and religious meaning and its impact on community life. The objectives are to identify the significance of kuda pattu’duq, explore its relevance to maqashid al-shari’ah principles, and analyze its implications for social and religious life. A qualitative approach was employed, combining phenomenological, sociological, and sharia perspectives. Data were collected through observation, interviews, and documentation from cultural figures, community leaders, youth, religious leaders, and government officials, then analyzed thematically. Findings indicate that horses, riders, traditional attire, kalindaqdaq, and rebana hold symbolic social and religious meanings; maqashid al-shari’ah emphasizes the protection of religion (hifdz ad-din), life (hifdz an-nafs), and wealth (hifdz al-maal) as guiding principles for the tradition; while its social and religious implications include enhanced solidarity, cultural promotion, motivation for Qur’an recitation, and parental expressions of gratitude. This study demonstrates that the kuda pattu’duq tradition strengthens Mandar cultural identity while fostering religious understanding among the younger generation.
Co-Authors Abdul Halim Talli Abdul Rauf Muhammad Amin Affandi, Ahmad Zulkifli Akhmad Ashari Manda Alimuddin Andi Agung Mallongi Andi Muhammad Nasri Andi Marwah Arafah, Sitti Ardiansyah, Rahman As. Rakhmad Idris, As. Rakhmad Ashar Ashar Sinilele Asma Yunitah Alwi ASNI Ayu, Nurelvia Trisna Basyirah Mustarin Bustan, Yazidul Damayanti, Fina Erlina Erlina Fadli Andi Natsif Ferdiansyah Ferdiansyah Fitrah Maulidiyah Hamzah Hasan Hartini Tahir Hasanuddin, Hasriah hidayat stang, Rahmat Hijra Wati Hijrah Zaherina Hilman, Nur Insyirah Iffah Annisa Faulia Gusti Hasan Ihkhsan, Muh ILHAM Istiqamah Itishan, Bani Adam Jabal Nur Jabal Rahmat S Jadil, Rara Mukarramah Jannah, Rihul Jusmiati Jusmiati Kurniati Kurniati Kurniati Kurniati Kurniati Kurniati Kurniaty Magfirah, Nurul Izzah Mahfudah, Rifkatul Marilang Melinasari, Oltry MIFTAHUL JANNAH Mohasa, Muhammad Fajri Muammar Bakry Muh Fahmi Jafar Muh Nur Fauzi Muh Zuhdi Hamdi Fahmi Muh. Jamal Jamil Muh. Saleh Ridwan muhammad ajman Muhammad Anis Muhammad Fajri Muhammad Jumaidi Pamalingan Muhammad Yaasiin Raya Noranisa, Noranisa Nur Adilah Nur Qalbi Husain Nur Taufiq Sanusi Nur Wahidah Nurahmad Nurbaeti Nurfaika Ishak Nurul Rifdah Herman Patimah Patimah Patimah Putri, Faizah Qadir Gassing Rachmat Hidayat Rahmatiah HL Rahmawati Rahmawati Ramlah Ramlah Reza Ardiansyah Rifda Cahya Alindah Alindah Riswandi Saeful Bahri Sahrul, Muhammad Rifky Akbar Sahruni Bahar Saputra, Ilham Shintika Rindiyani Guntur Sirajuddin Siti Aisyah Siti Aisyah Siti Anisa Sitti Aisyah Kara Sri Wahyuni Sulfahmi 10100119066 Suriyadi Suriyadi Syafruddin, Wafiq Arizah Syahrun Nur Syatar, Abdul Umar B Umar Umar Wulandari Ya'rif, Muhammad Yul Hidayah Yuyun Alwania Walude Zulfahmi Alwi