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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Ulul Albab: Jurnal Studi Islam ISLAMICA: Jurnal Studi Keislaman SALAM: Jurnal Sosial dan Budaya Syar-i Islam Futura EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Journal of Economic, Bussines and Accounting (COSTING) Jurnal Istiqro' Jurnal Hukum Ekonomi Syariah Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Al-Musthofa: Journal of Sharia Economics Justisia Ekonomika LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Al Maal: Journal of Islamic Economics and Banking Akademika Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Jurnal Mu'allim El-Qist : Journal of Islamic Economics and Business (JIEB) El-kahfi : Journal of Islamic economics Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Bisnis Net : Jurnal Ekonomi dan Bisnis Asasi: Journal of Islamic Family Law El-Qish: Journal of Islamic Economics Al-Manahij : Jurnal Kajian Hukum Islam ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Jurnal Perbankan Syariah Darussalam (JPSDa) Kartika: Jurnal Studi Keislaman IIJSE JUEBIR: Journal of Economics and Business Research Journal of Noesantara Islamic Studies Journal of Shariah Economics Share Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
M. Lathoif Ghozali
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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ANALISIS FATWA DSN MUI NO: 123/DSN-MUI/XI/2018 TERHADAP PENGGUNAAN DANA TBDSP DI BTPN SYARIAH PERIODE TAHUN 2020-2023 Diana Restu Cahyani; M. Lathoif Ghozali
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 5 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i5.10501

Abstract

Bank Tabungan Pensiunan Negara (BTPN) also develops BTPN with Sharia principles. Islamic banking management also has funds that cannot be recognized as income (TBDSP), the TBDSP funds are used for community social activities. In receiving and distributing TBDSP funds to Sharia Banks, the National Sharia Board (DSN) of the Indonesian Ulema Council (MUI) issued Fatwa Number 123/DSN-MUI/XI/2018. The purpose of this article is to analyze the implementation of Fatwa DSN MUI No. 123/DSN-MUI/XI/2018 against the use of TBDSP funds. This research uses qualitative methods with a literature study approach. The data used was obtained from BTPN Syariah's annual performance report for the 2020-2023 period, the website of the Indonesian Ulema Council (MUI), the website of the Financial Services Authority (OJK) and the Central Statistics Agency (BPS). As a result of this research, BTPN Syariah has implemented fatwa DSN MUI Number 123/DSN-MUI/XI/2018 in managing TBDSP funds for the 2020-2023 period by using these funds for social activities. In distributing TBDSP funds, BTPN Syariah helps communities affected by Covid 19 and assists the government in the recovery and empowerment of MSMEs after Covid 19. This implementation is that the use of TBDSP funds by BTPN Syariah does not contradict sharia principles, as stipulated in Fatwa DSN MUI Number 123/DSN-MUI/XI/2018.
Cryptocurrency Sebagai Mata Uang, Komoditas, dan Instrumen Investasi Dalam Perspektif Sad Dzariah Astutik, Erni Dwi; Ghozali, Mohammad Lathoif
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 4 No 2 (2022)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v4i2.2004

Abstract

In recent years, technological advances have grown so rapidly, including progress in the economic field. the existence of cryptocurrencies or digital money, provides a new alternative as a transaction tool, investment instrument or as a trading commodity. On the other hand, the legitimacy of using cryptocurrencies is still a matter of debate in various circles. Researchers want to study the use of cryptocurrencies with the sadd dzariah approach. This research is a quantitative research and is a library research. The data analysis technique used is descriptive-analytical with a normative juridical approach to Islamic law. The results of the study indicate that the use of cryptocurrencies in business transactions, as an investment instrument, and illegally traded commodities, is maysir and gharar. So it should be avoided containing mafsadat rather than benefit, and has the potential to bring more harm than good/mafsadah.
IMPLEMENTATION OF SHARIA MAQASHID ON SUKUK BASED ON FATWA DSN-MUI/IX/2020 Mahmudah, Siti Nur; Ghozali, Muhammad Lathoif; Ritonga, Iskandar
Islam Futura Vol 22, No 2 (2022): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v22i2.12296

Abstract

Sukuk is an alternative option for government or corporate funding in the capital market for the sake of progressing the national economy. With the issuance of sukuk, the government or companies will get substantial funds. This is an attraction to help improve infrastructure development carried out by the government or companies. The approach taken in this research is a qualitative approach with library research type and is useful in collecting primary and secondary data sources in the form of documentation because it comes from several books, journals and other literature. The last step is data analysis through descriptive analysis method, namely data reduction, data display, and conclusion. The results of this study are the needs that can be met with the existence of sukuk, namely dharuriyah (mandatory needs), Hajiyyat (secondary needs), Tahsiniyyat (tertiary needs). This research was conducted with the aim of analyzing the benefits of issuing sukuk for a country from the perspective of maqashid sharia about sukuk
THE ROLE OF AL-URF IN CONTEMPORARY ISLAMIC ECONOMIC LEGAL ISSUES: SUSTAINABLE BUSINESS PRODUCTION DEVELOPMENT Santika, Ana; Ghozali, M. Lathoif
istinbath Vol. 23 No. 2 (2024): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i2.692

Abstract

The increasingly advanced development of industry impacts the development of transactions and production processes in an increasingly complex economy. Many transaction activities and production processes require ijtihad to find solutions to problems that may arise. The hope is that these transactions and production processes can run smoothly and follow Islamic law. This study aims to discuss how 'urf becomes a method and source of Islamic law in economic activities using a qualitative research methodology with a library research approach. This study concludes that Al-Urf in contemporary Islamic economic law provides a strong foundation through community customs that do not conflict with the Qur'an and Hadith. In responding to the challenges of the existing modern economy, it needs to be critically appreciated according to the context of its time, place, and situation, then developed according to the challenges of the times by using creative ijtihad in the corridor of sharia.
Strategi Manajemen Risiko Produk iB Kepimilkan Rumah Pada KB Bank Syariah KC Sidoarjo Prespektif Saddudz al-Dzari’ah Hidayat, Bintang Kurnia; Ghozali, Muhammad Lathoif
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3473

Abstract

This research was conducted to analyze risk management strategies for the iB home ownership product at KB Bank Syariah KC Sidoarjo from the perspective of Saddudz al-Dzari’ah. This article adopts a qualitative research method, where primary data is obtained from interviews, to the extent that risk management is controlled by the bank. Meanwhile, secondary data was obtained in the form of journal archives and other references related to the research title. The research findings in this study indicate that KB Bank Syariah has an appropriate risk management strategy aligned with Saddudz al-Dzari’ah through its three lines of defense framework, which is in accordance with mafsadah and maslahah. It is hoped that future researchers can update the data and examine it more thoroughly.
PRINSIP EKONOMI SYARIAH DALAM OPERASIONAL ONLINE SHOP: ANALISIS FATWA DSN-MUI No. 146/DSN-MUI/XII/2021 PERSPEKTIF SADD AL-DZARI’AH Zuheri, Ahmad Ardian; Ghozali, M. Lathoif
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 10 No 2 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Fe
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v10i2.1189

Abstract

Studi ini menganalisis Fatwa DSN-MUI No. 146/DSN-MUI/XII/2021, yang membahas prinsip syariah dalam operasional toko online dari perspektif Sadd Al-Dzari’ah. Perdagangan online, meskipun menawarkan peluang besar, harus mematuhi prinsip syariah seperti keadilan, larangan riba, kehalalan produk, keterbukaan informasi, dan tanggung jawab sosial. Fatwa ini dikeluarkan sebagai pedoman untuk memastikan kepatuhan tersebut. Studi sebelumnya, seperti oleh Indriana et al. (2022), Setiawan et al. (2023), dan Nurhaidah & Batubara (2023), telah mengkaji aspek hukum dan ekonomi syariah dalam toko online. Penelitian ini menggunakan metode library research untuk menganalisis literatur terkait. Hasilnya menunjukkan pentingnya menerapkan prinsip syariah dalam setiap aspek bisnis toko online. Fatwa ini memberikan panduan komprehensif untuk memastikan operasional sesuai prinsip syariah dan perspektif Sadd Al-Dzari’ah berfungsi sebagai langkah preventif untuk menghindari kerugian dari transaksi online. Penelitian ini diharapkan membantu pertumbuhan ekonomi syariah dan keberlanjutan toko online.
TRANSFORMASI FINTECH PINJAMAN ONLINE PERSPEKTIF MAQASHID SYARIAH DALAM MENJAWAB TANTANGAN KEUANGAN MODERN Ghina, Erfintya; Ghozali, Muhammad Lathoif
Bisnis-Net Vol 8, No 1: JUNI 2025
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v8i1.5372

Abstract

Penelitian ini mengkaji perkembangan financial technology (fintech) di Indonesia dan dampaknya terhadap sistem keuangan serta inklusi masyarakat. Dengan fokus pada isu utama, seperti transformasi digital, regulasi pemerintah, serta tantangan dalam literasi dan keamanan keuangan, penelitian ini bertujuan untuk memahami bagaimana fintech dapat mendorong pertumbuhan ekonomi yang inklusif. Pendekatan yang digunakan adalah deskriptif kualitatif, dengan analisis terhadap regulasi, inovasi teknologi, dan studi kasus layanan fintech seperti e-wallet, P2P lending, dan fintech syariah. Hasil penelitian menunjukkan bahwa fintech memberikan kontribusi signifikan dalam meningkatkan inklusi keuangan, efisiensi transaksi, serta pemberdayaan UMKM. Namun, regulasi yang kuat dan literasi keuangan yang lebih baik diperlukan untuk mengatasi tantangan seperti pinjaman online ilegal dan kesenjangan akses di daerah terpencil.
Blockchain-Based Waqf and Maslahah Mursalah: A Sharia Analysis in Light of MUI Fatwas Widyarta Wijaya, Muhammad; Ramis, Irfan; Rohmaningtyas, Nurwinsyah; Ghozali, M. Lathoif
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.573

Abstract

Despite Indonesia’s vast waqf potential, asset management remains inefficient due to persistent issues of transparency, accountability, and public trust. This study examines the integration of blockchain technology within waqf management and its legitimacy under Islamic law, analyzed through the lens of maslahah mursalah and Majelis Ulama Indonesia (MUI) fatwas. Previous studies on blockchain waqf have largely focused on technical feasibility and governance frameworks, yet have not sufficiently addressed its shariah legitimacy through usul fiqh reasoning. Employing a qualitative-descriptive method, the research integrates four analytical stages: (1) textual analysis of Qur’anic and Prophetic principles on transparency and trust (amanah), (2) review of MUI fatwas to identify legal boundaries for digital financial instruments, (3) comparative analysis of blockchain-based waqf models from Malaysia, Turkey, and the UAE, and (4) conceptual synthesis aligning technological transparency with the objectives of maslahah mursalah. Findings suggest that blockchain, when implemented within a shariah-governed framework, fulfills the criteria of public benefit and does not contravene existing fiqh principles, thus qualifying as a legitimate ijtihadi innovation (tathbiq al-maslahah). The study concludes that blockchain-based waqf has the potential to strengthen institutional credibility, enhance transparency, and optimize social welfare distribution. This research contributes to the development of sharia-compliant digital philanthropy frameworks in Indonesia and offers policy insights for the digital transformation of Islamic social finance institutions
KONSEP QIYAS AKAD MUDHARABAH TERHADAP AKAD MUSAQAH ghazali, Muhammad lathoif; amanda, yudi amirul aji
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i1.8763

Abstract

Research aims to understand the concept of qiyas in mudharabah divorce .This research result indicates that mudharabah divorce with musaqah illah have in common, in common can be viewed from the side of understanding, in the manner of the agreement and the cancellation of requirements as the requirements sighat in both the divorce requiring the sighat (ijab and qabul), and there are also requirements and do not all requirements used same it is just in object the division of the gaining of it is that would differ, if not of capital mudharabah used in the form of money, musaqah in the form of a garden, mudharabah used in divorce and financial institution musaqah in use in agribusinesses. In nullification only two point according to researchers under the same one of both the parties that died and things that block the annulment of (crazy or murtad). The practice of akkad mudharabah is as ashl then al-musaqah is as far'u, after we had put together in the same evidence is cooperation between / owners or those with capital manager / the best of garden against the power to keep the business going and then within the division of the gaining of it is divorce agreement has been agreed upon at the beginning. So with this, and not even go near mudharabah musaqah in in business activities.Keywords : Qiyas, Illat, Mudharabah, Musaqah 
INVESTASI KAS MASJID DALAM PERSPEKTIF SADD DAN FATH AL-DZARI’AH kurniawan, amin kurniawan; Ghozali, Muhammad Lathoif
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.10685

Abstract

Islamic economic and financial resources have enormous potential to contribute to the nation's economic development. Until now, Muslims have not been able to manage and empower it appropriately and professionally. For this reason, investing the mosque's cash is an alternative solution in its management. This article will discuss the mosque's cash investment activities which were analyzed using Sadd al-Dzari'ah and Fath al-Dzari'ah. This research is library research, with qualitative method through Usul Fiqh approach. Data analysis techniques in the form of data reduction, data presentation, and drawing conclusions. Based on the results of the analysis of the al-Dzari'ah concept, the mosque's cash investment activity brings far greater benefits than its benefits, so it is necessary to open the faucet as wide as possible based on the Fath al-Dzariah concept. On the other hand, there were irregularities and misuse of mosque cash which required the precautionary principle by applying the Sadd al-Dzariah concept. By managing mosque cash as an economic asset for the people properly, appropriately and professionally through investment, it is one of the roles that can be given by Muslims in contributing to improving the welfare and development of the nation.
Co-Authors Abu Yasid Ahdiyat Agus Susila Ahmad Ahmad Al Berto, Muhammad Alfa Saniyah Ali, Mufti Faqih Alimatul Farida amanda, yudi amirul aji amin kurniawan kurniawan Ana Toni Roby Candra Yudha Angga Adigara Ansori Ardin Hisyam Maulana Fajar Arjuna Ashif Jauhar Winarto Astutik, Erni Dwi Diana Restu Cahyani Dikuraisyin , Basar Eka Rahayuningsih Faiza, Nurlaili Adkhi Rizfa Fathmah Hanum Fatkur Huda Fatwa, Ah Fajaruddin Faujiah, Ani Ghina, Erfintya Gilang Rizki Aji Putra Hafidhotul Amaliyah Hidayat, Bintang Kurnia Himami, Fatikul Irfan Ramis Iskandar Ritonga Ita Marianingsih Purnasari Izzatul Muna Khotib kurniawan, amin kurniawan Latifah, Sofiyatul Luluk Latifah Mahmudah, Siti Nur Mansur Mansur Moh Ah. Subhan ZA Muafi Aulia Rachman Muhammad Wahyudi Musfiroh, Anita Nada, Nabilatun Nurwinsyah Rohmaningtyas Qathrunnada, Elissa Rifa Dianmurti Rijal, Akmalur Santika, Ana saoki saoki, saoki Sifwatir Rif'ah Sifwatir Rif'ah Sumarkan Sundari Sundari Sundari Sundari TRI NADHIROTUR ROIFAH Widyarta Wijaya, Muhammad yudi amirul aji amanda Zuheri, Ahmad Ardian