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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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Studi Fenomenologi: Perilaku Konsumtif Game Online Pada Remaja di Kelurahan Siwalankerto Kota Surabaya Perspektif Maslahah Muafi Aulia Rachman; Muhammad Lathoif Ghozali
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.7912

Abstract

The development of technology and information has developed so rapidly and has progressed, be it in the business sector to the entertainment sector. With the internet, various activities can be done easily and quickly, including playing games as a means of entertainment for today's society. Online games are one of the platforms that are in great demand by the public because online games can be played using the internet network. This article aims to find out how the consumptive behavior of adolescents in buying virtual goods in online games, the research method used in this study is a qualitative method with a phenomonelogical approach by taking data sources through observation and interviews and secondary data sources through literature studies, mass media and social media. Research shows that the consumption behavior of teenagers in online games has become more wasteful, because the purchase of virtual goods is done to fulfill desires alone, not to meet their needs and aspects of benefit. This is very contrary to the concept of maslahah in Islam.
Maqasid Syariah Dalam Menjaga Keseimbangan Kepentingan Ekonomi Dan Sosial Pada Praktik Gadai Sawah: 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: Strategi Pemberdayaan Ekonomi Umat dengan Zakat Berdasarkan Fatwa Kontemporer 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.
Reconstructing Social Fiqh in Contemporary Islamic Finance: A Maqashid Analysis of DSN-MUI Fatwa on Sukuk-Waqf Nurlaili Adkhi Rizfa Faiza; Hafidhotul Amaliyah; Ita Marianingsih Purnasari; Muhammad Lathoif Ghozali
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026): IN PROGRESS
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0006

Abstract

The development of contemporary Islamic finance requires the innovation of instruments that are not only compliant with sharia but also inclusive, sustainable, and aligned with the principles of maqāṣid al-sharīʿa to address modern socio-economic challenges. This study aims to examine DSN-MUI Fatwa No. 131/2019 on sukuk waqf as a manifestation of progressive social fiqh within the architecture of modern Islamic finance, particularly in articulating and operationalizing maqāṣid objectives. A qualitative-descriptive method with a normative approach is employed, utilizing document analysis of the fatwa and interpreting it through the maqāṣid frameworks of Abu Zahrah and Abdul Majid al-Najjar. The findings indicate that sukuk waqf represents a hybrid financial instrument that integrates the philanthropic nature of waqf with the structured mechanisms of Islamic capital markets, while reflecting key maqāṣid dimensions such as individual development, justice, social cohesion, and environmental sustainability. Furthermore, the fatwa demonstrates the role of DSN-MUI as an institutional ijtihād authority capable of synthesizing classical jurisprudence with contemporary financial needs. These findings imply that maqāṣid al-sharīʿa serves as a critical normative framework for designing and evaluating Islamic financial instruments that are value-oriented and socially responsive, while also highlighting the potential for broader application of sukuk waqf across various socio-economic sectors. ABSTRAK - Rekonstruksi Fiqh Sosial dalam Keuangan Islam Kontemporer: Analisis Maqashid atas Fatwa DSN-MUI tentang Sukuk Wakaf. Perkembangan keuangan Islam kontemporer menuntut inovasi instrumen yang tidak hanya sesuai dengan prinsip syariah, tetapi juga inklusif, berkelanjutan, dan berorientasi pada maqashid al-sharia guna menjawab tantangan sosial-ekonomi modern. Penelitian ini bertujuan untuk menganalisis Fatwa DSN-MUI No. 131/2019 tentang sukuk wakaf sebagai manifestasi fiqh sosial progresif dalam arsitektur keuangan Islam modern, khususnya dalam merepresentasikan dan mengoperasionalkan tujuan-tujuan maqashid. Penelitian ini menggunakan metode kualitatif-deskriptif dengan pendekatan normatif melalui analisis dokumen fatwa serta interpretasi menggunakan kerangka maqashid Abu Zahrah dan Abdul Majid al-Najjar. Hasil penelitian menunjukkan bahwa sukuk wakaf merupakan instrumen keuangan hibrida yang mengintegrasikan karakter filantropi wakaf dengan mekanisme terstruktur pasar modal syariah, sekaligus mencerminkan dimensi utama maqashid seperti pembinaan individu, keadilan, kohesi sosial, dan keberlanjutan lingkungan. Selain itu, fatwa ini menegaskan peran DSN-MUI sebagai lembaga ijtihad kelembagaan yang mampu mensinergikan warisan fiqh klasik dengan kebutuhan keuangan kontemporer. Temuan ini mengimplikasikan bahwa maqashid al-sharia berfungsi sebagai kerangka normatif penting dalam perancangan dan evaluasi instrumen keuangan Islam yang berorientasi pada nilai dan kemaslahatan, serta membuka peluang pengembangan sukuk wakaf di berbagai sektor sosial-ekonomi.
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.
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