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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies 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 Ekosiana : Jurnal Ekonomi Syariah 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 Shariah Economics Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Journal of Integrative Sustainability and Ethics
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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Maqasid Syariah Dalam Menjaga Keseimbangan Kepentingan Ekonomi Dan Sosial Pada Praktik Gadai Sawah TRI NADHIROTUR ROIFAH; Muhammad Lathoif Ghozali
JOURNAL OF SHARIA ECONOMICS Vol 7 No 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i2.1228

Abstract

Praktik gadai sawah masih menjadi mekanisme pembiayaan yang umum digunakan oleh petani di wilayah pedesaan ketika menghadapi kebutuhan dana yang mendesak. Meskipun berfungsi sebagai solusi likuiditas, praktik ini sering kali melahirkan relasi ekonomi yang timpang antara pemilik lahan dan pemberi modal, sehingga aspek kesejahteraan sosial petani cenderung terabaikan. Penelitian ini bertujuan untuk menganalisis bagaimana nilai-nilai Maqasid Syariah berperan dalam menjaga keseimbangan antara kepentingan ekonomi dan kepentingan sosial dalam praktik gadai sawah, sekaligus merumuskan model konseptual pembiayaan berbasis maqasid yang lebih berkeadilan. Penelitian ini menggunakan pendekatan kualitatif dengan desain deskriptif analitis melalui pengumpulan data primer berupa wawancara dan observasi lapangan, serta data sekunder dari literatur fikih muamalah dan kajian Maqasid Syariah. Analisis dilakukan dengan menempatkan perlindungan harta (ḥifẓ al-mal), keadilan (‘adl), dan kemaslahatan sebagai indikator utama evaluasi praktik. Hasil penelitian menunjukkan bahwa nilai-nilai Maqasid Syariah berfungsi sebagai kerangka normatif yang efektif dalam menyeimbangkan orientasi keuntungan dan tanggung jawab sosial, sepanjang terdapat transparansi akad, proporsionalitas pemanfaatan lahan, dan ketiadaan dominasi sepihak. Penelitian ini merumuskan model pembiayaan yang mengintegrasikan akad rahn dengan skema kemitraan produktif agar praktik gadai sawah tidak hanya sah secara fikih, tetapi juga adil dan maslahat secara sosial ekonomi.
Strategi Pemberdayaan Ekonomi Umat dengan Zakat Berdasarkan Fatwa Kontemporer: Pendekatan Maqashid Syariah Ahdiyat Agus Susila; Muhammad Lathoif Ghozali
JOURNAL OF SHARIA ECONOMICS Vol 7 No 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i2.1241

Abstract

The economic empowerment of the ummah is one of the key aspects in enhancing social welfare and the prosperity of Muslim communities. Productive zakat serves as a strategic instrument in realizing this empowerment. Contemporary fatwas issued by the Indonesian Council of Ulama (MUI) and the National Sharia Council (DSN-MUI) provide legal legitimacy for utilizing zakat as capital for productive economic activities. However, analyses of these fatwas from the perspective of Maqashid Sharia remain limited, resulting in a suboptimal understanding of the Sharia objectives in managing productive zakat. This study aims to examine strategies for the economic empowerment of the ummah through productive zakat, using contemporary fatwa analysis based on the Maqashid Sharia approach. The research employs a qualitative method with content analysis of MUI/DSN-MUI fatwa documents related to productive zakat. The Maqashid Sharia framework is used to assess the contribution of these fatwas to the economic welfare (maslahah) of zakat beneficiaries (mustahik). The findings show that the fatwas on productive zakat explicitly support the realization of Maqashid Sharia, particularly in the aspects of hifz al-mal, hifz al-nafs, and hifz al-nasl. The resulting empowerment strategies include strengthening Islamic economic literacy, optimizing productive investment of zakat funds, and providing entrepreneurial mentoring for mustahik. This study affirms that the Maqashid Sharia approach reinforces the role of fatwas as adaptive legal instruments capable of generating public benefit in the economic empowerment of the ummah. Keywords: Productive Zakat, Contemporary Fatwas, Economic Empowerment, Maqashid Sharia.
Aplikasi al-‘Urf sebagai Metode Istinbath Hukum Ekonomi Kontemporer dalam Kajian Uang Elektronik Rijal, Akmalur; Ghozali, Muhammad Lathoif; Yasid, Abu
Kartika: Jurnal Studi Keislaman Vol. 6 No. 2 (2026): Kartika: Jurnal Studi Keislaman (May)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i2.318

Abstract

The rapid development of financial technology has brought electronic money (e-money) into modern payment systems as a new phenomenon. However, the absence of explicit textual provisions in classical Islamic jurisprudence creates a legal vacuum that requires methodological resolution. This study employs a qualitative approach using a library research methodology, analyzing primary and secondary sources on the al-'urf doctrine and electronic money regulations in Indonesia. The analysis reveals that electronic money fulfills four conditions required for al-'urf to serve as a valid legal source: (1) it has been practiced continuously and widely accepted by the majority of Indonesian society; (2) the practice preceded formal legal determination; (3) it is transparent and free from ambiguity; (4) it does not contradict Islamic sacred texts (nash syara'). DSN-MUI Fatwa No. 116/DSN-MUI/IX/2017 on sharia-compliant electronic money confirms this position by grounding its legal reasoning in the fiqh maxim that customary practice carries the same legal weight as explicit sharia provisions. Electronic money is permissible under Islamic law when conducted through sharia-compliant platforms, as established by the al-'urf methodological framework. This finding implies that al-'urf remains a dynamic and applicable legal instrument for addressing contemporary economic innovations not explicitly covered by classical fiqh texts.
Developing A Maslahah-Based Model Of Islamic Social Entrepreneurship Through Impact Investment: An Al-Ghazali Perspective Sifwatir Rif'ah; Muhammad Lathoif Ghozali
JOURNAL OF SHARIA ECONOMICS Vol. 8 No. 1 (2026): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/w1sctm08

Abstract

This study aims to analyze Islamic Social Entrepreneurship (ISE) and impact investment from the perspective of Al-Ghazali’s maslahah and to develop a conceptual model for sustainable economic development. This research employs a qualitative approach using a systematic literature review of Scopus and Sinta-indexed journals from 2020–2025. The findings reveal that ISE and impact investment are inherently aligned with Islamic economic principles, emphasizing a balance between financial returns and social impact. From Al-Ghazali’s perspective, economic activities should be oriented toward maslahah, encompassing justice, social welfare, and public benefit. This study proposes a novel conceptual model integrating Islamic social finance and impact investment within a maslahah-based framework, consisting of input, process, and output components. The model offers a value-based approach to fostering inclusive and sustainable economic development.
IMPLEMENTASI KONSEP MASLAHAH MURSALAH DALAM MEKANISME PASAR Ziyadatus Shofiyah; M. Lathoif Ghozali
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 6 No. 2 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v6i2.8031

Abstract

Artikel ini bertujuan untuk menemukan tentang keterkaitan antara maslahah mursalah dengan mekanisme pasar pada masa Rasulullah dan masa sekarang. Penelitian ini menggunakan metode penelitian library research dengan pendekatan deskriptif. Rasulullah pada zamannya menolak melakukan intervensi harga dikarenakan harga yang berlaku pada pasar berdasarkan mekanisme pasar alami. Harga yang berlaku pada saat itu berdasarkan suplay dan demand. Namun, Ibnu Tamiyah memperbolehkan pemerintah melakukan intervensi harga pada saat ini seperti ketika terjadinya kolusi antar penjual, monopoli, dan terancamnya kebutuhan masyarakat. Pemerintah mempunyai andil dalam penentuan harga di saat-saat tertentu. Diperbolekannya intervensi harga oleh ibnu taimiyah adalah merupakan bentuk kemaslahatan umat manusia dan menjaga agar tidak terjadi hal-hal negatif yang akan dirasakan oleh penjual maupun pembeli.   Kata Kunci: Maslahah Mursalah, Mekanisme Pasar, dan Intervensi Harga.
DSN-MUI Fatwa No. 122 of 2018 on Hajj Fund Management: A Maqāṣid al-Sharī‘ah Review from the Perspectives of Imam al-Ghazali and Imam al-Syathibi Sifwatir Rif'ah; Muhammad Lathoif Ghozali
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 2 (2025): Al Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v8i2.4457

Abstract

This study aims to systematically assess the conformity of th fatwa’s norms with the principles of maqāṣid al-sharī‘ah and to analyze the views of Imam al-Ghazali and Imam al-Shāṭhibī as the epistemological foundations of the concept of maṣlaḥah. The research employs a qualitative approach using a literature study method involving the fatwa text, fiqh mu‘āmalah literature, the thoughts of Imam al-Ghazali and Imam al-Shāṭhibī, books, journal articles, and studies related to hajj fund management, maqāṣid al-sharī‘ah, and Islamic public economics. Data analysis is conducted using the maqāṣid al-sharī‘ah framework. The findings indicate that DSN-MUI Fatwa No. 122/2018 on Hajj Fund Management aligns with maqāṣid al-sharī‘ah, particularly in terms of ḥifẓ al-māl, trustworthiness (amānah), and public welfare (maṣlaḥah ‘āmmah). Al-Ghazali’s perspective emphasizes the prevention of potential harm, usury (ribā), and uncertainty (gharar), while al-Shāṭhibī underscores the balance between individual and collective welfare within the framework of ḍarūriyyāt–ḥājiyyāt–taḥsīniyyāt. This study provides a maqāṣid-based understanding by linking it to the analysis of contemporary fatwas. It is expected to offer recommendations for strengthening hajj fund governance to make it more trustworthy, transparent, and oriented toward the long-term welfare of pilgrims.
Contract Construction and Risk Mitigation In Sharia Bullion Business Activities: Juridical Analysis Of DSN-MUI Fatwa NO. 166/2026 Fathmah Hanum; Muhammad Lathoif Ghozali
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 2 (2026): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i2.12759

Abstract

The issuance of DSN-MUI Fatwa Number 166/DSN-MUI/II/2026 on Bullion Business Activities Based on Sharia Principles on February 11, 2026, marks a new chapter in gold governance within Indonesia's Islamic financial institutions. This fatwa emerged as a response to the mandates of Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector (P2SK Law) and OJK Regulation Number 17 of 2024, which explicitly permit banks—including Islamic banks—to conduct bullion business activities. This study employs a juridical-normative approach to examine two central issues: first, the construction of contracts (akad) for each bullion business activity (gold custody, savings, trading, and financing); second, relevant risk mitigation strategies encompassing market risk, sharia compliance risk, operational risk, and liquidity risk. Analysis reveals that Fatwa No. 166/2026 introduces complementary contract combinations—Wadiah Yad Dhamanah, Mudharabah, Qardh, Murabahah, Rahn, Ijarah, and Wakalah—that collectively accommodate all bullion business lines without violating riba principles. The key instruments of physical qabdh (delivery) and underlying asset guarantees constitute the primary differentiators of Islamic bullion from conventional gold trading practices. This study concludes that the fatwa provides comprehensive legitimacy for Islamic financial institutions to compete in the national gold ecosystem, while recommending integration of real-time information technology systems to ensure ongoing contract transparency.
Blockchain Technology as A Means of Wealth Protection (Ḥifẓ al-Māl) in Digital Cryptocurrency Assets: A Maqāṣid-Oriented Analytical Framework Agus Wahyu Irawan; Muhammad Lathoif Ghozali; Sadiq Ibrahim Mijinyawa; Nurlaili Adkhi Rizfa Faiza
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 21 No. 2: December 2025
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v21i2.26972

Abstract

The rapid expansion of blockchain technology and digital cryptocurrency assets has generated significant debate within Islamic finance, particularly regarding their compliance with the objectives of Maqāṣid al-Sharīʿah. This study critically examines the role of blockchain technology in the protection of wealth (ḥifẓ al-māl) within digital cryptocurrency assets using a maqāṣid-oriented analytical framework. Employing a qualitative normative–conceptual approach grounded in Jasser Auda’s systems theory of maqāṣid al-Sharīʿah, the study analyzes how core blockchain characteristics transparency, cryptographic security, immutability, and distributed ledger architecture contribute to wealth protection while also identifying inherent risks and limitations. The findings indicate that blockchain can support ḥifẓ al-māl by enhancing transaction accountability, safeguarding ownership, and mitigating fraud. However, such contributions are neither inherent nor unconditional, as they depend on governance structures, regulatory alignment, and ethical usage frameworks. The study further distinguishes between blockchain as a neutral technological infrastructure and cryptocurrency as a financial instrument that may generate Shariah concerns due to volatility, gharar, and speculative excess. By articulating this distinction, the research advances a more proportionate and critically grounded maqāṣid-based assessment of blockchain, contributing to contemporary discourse on Islamic digital finance and offering a conceptual foundation for future regulatory and technological development.
Integration of Fatwa in the Governance of Islamic Crowdfunding and Shariah Compliance Disclosure Kamilah, Athia Nur; Ghozali, Muhammad Lathoif
Journal of Integrative Sustainability and Ethics Vol. 1 No. 2 (2025): December
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.2.108-124

Abstract

The rapid growth of Islamic crowdfunding in Indonesia reflects increasing demand for Sharia-compliant financial solutions. However, challenges persist in ensuring compliance with fatwas, governance standards, and transparency in Sharia compliance disclosure, which are critical for investor trust and platform sustainability. This study conducts a Systematic Literature Review following PRISMA guidelines to analyze 15 selected articles from reputable sources (2019–2024). The research explores the integration of fatwas, governance challenges, and disclosure practices in Islamic crowdfunding. Findings reveal that fatwas serve as adaptive frameworks for validating contracts such as mudharabah and musyarakah and operational mechanisms, yet inconsistencies in interpretations among Sharia authorities create regulatory ambiguities. Governance challenges include weak oversight by Sharia Supervisory Boards, misalignment between regulations, and insufficient human resources skilled in both Sharia and fintech. Meanwhile, disclosure practices vary widely, with many platforms failing to provide comprehensive disclosures, undermining investor confidence. However, effective disclosure enhances trust and platform sustainability by aligning operations with Sharia principles. The study highlights the need for harmonized fatwa standards, strengthened governance through technology such as AI for real-time compliance monitoring, and standardized disclosure formats. Innovations like blockchain-based audit trails and predictive analytics could transform disclosure into a proactive tool. By addressing these gaps, Islamic crowdfunding can evolve as a robust, ethical alternative for financing MSMEs, contributing to Indonesia’s Islamic economy.
Kartel Dalam Fintech P2P Lending Di Indonesia Perspektif Maqashid Syariah: Analisis Keadilan Dan Distorsi Distribusi Ekonomi Amran Suradi; M. Lathoif Ghozali
Ekosiana Jurnal Ekonomi Syari ah Vol. 13 No. 2 (2026): Ekosiana : Jurnal Ekonomi Syariah (IN PROGRESS)
Publisher : Program Studi Ekonomi Syariah, STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47077/ekosiana.v13i2.693

Abstract

Penelitian ini menganalisis praktik kartel dalam industri fintech peer-to-peer (P2P) lending di Indonesia melalui lensa Maqashid Syariah. Praktik penetapan suku bunga kolektif oleh penyelenggara fintech telah menciptakan distorsi pasar yang mencederai keadilan distributif. Artikel ini menggunakan metode penelitian hukum normatif melalui pendekatan konseptual dan studi kasus pada putusan Komisi Pengawas Persaingan Usaha (KPPU) Nomor 05/KPPU-I/2025. Penelitian ini menemukan bahwa kartel bunga merupakan bentuk ihtikar (monopoli/penimbunan) kontemporer yang merekayasa harga demi keuntungan sepihak. Temuan penelitian menunjukkan bahwa kolusi ini mengakibatkan ketimpangan distribusi harta yang secara fundamental bertentangan dengan prinsip hifz al-mal (perlindungan harta) dan keadilan (al-‘adl). Praktik tersebut menciptakan kezaliman (zulm) sistemik bagi konsumen, terutama kelompok menengah ke bawah, sehingga menjauhkan fintech dari tujuan inklusi keuangan yang maslahat. Penelitian ini menyimpulkan bahwa sanksi administratif saat ini belum optimal memberikan efek jera. Diperlukan penguatan regulasi berbasis Maqashid Syariah yang mengintegrasikan pengawasan etika bisnis Islam guna memitigasi perilaku antisosial di pasar keuangan digital.
Co-Authors Abu Yasid Agus Wahyu Irawan Ahdiyat Agus Susila Ahmad Ahmad Al Berto, Muhammad Alfa Saniyah Ali, Mufti Faqih Alimatul Farida amanda, yudi amirul aji amin kurniawan kurniawan Amran Suradi 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 Ghina, Erfintya Gilang Rizki Aji Putra Hidayat, Bintang Kurnia Himami, Fatikul Irfan Ramis Iskandar Ritonga Izzatul Muna Kamilah, Athia Nur 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 Sadiq Ibrahim Mijinyawa 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