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All Journal JESI (Jurnal Ekonomi Syariah Indonesia) AL-FALAH : Journal of Islamic Economics Moderasi : Journal of Islamic Studies Jurnal Penelitian ISJOUST El-Uqud: Jurnal Kajian Hukum Ekonomi Syariah Jurnal Sains Student Research West Science Social and Humanities Studies Jurnal Hukum Islam LAN TABUR: JURNAL EKONOMI SYARIAH Indonesia Economic Journal
Muhamad Masrur
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
Religion Humanities Astronomy Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Diskursus Uang dalam Kitab Ihya’ Ulum al-Din Karya Al-Ghazali Muhamad Masrur
JURNAL PENELITIAN Vol 14 No 1 (2017): Volume 14 Nomor 1 2017
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/qy85hs36

Abstract

This research investigates the concept of money according to al-Ghazali in IhyaUlum al-Dinas well astherelevance of the money concept of al-Ghazali with contemporary economic system.This research used qualitative approach and based on library research. The result of this research found that the concept of money cannot be separated by ethical values. While its relevance to the contemporary economic system is the return of the function of money in al-Ghazali’s view as a medium of exchange not as a commodity tool and it is possible to be applied monetary system of dinar and dirham
Halal Washing in Digital Marketing of Sharia-Compliant Fintech: Content Deconstruction and Consumer Complaints Muhamad Masrur; Maghfur; Susminingsih; Khairul Anwar
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.226

Abstract

Introduction: This research deconstructs halal washing practices in digital marketing of six OJK-licensed sharia-compliant P2P lending fintech platforms in Indonesia. Deconstruction is necessary because existing studies analyze gaps in sharia compliance from either marketing content or consumer complaints separately, never simultaneously, so the mechanism linking symbolic sharia claims to documented consumer losses has not yet been empirically mapped. Methods: Qualitative Content Analysis (QCA) with critical-interpretive paradigm was applied to 799 coding units from two corpora: 412 units of digital marketing content and 387 units of consumer complaints (January 2022–December 2024), using an 8-dimension/31-code codebook (Cohen's Kappa κ = 0.74). Derridean Deconstruction and Signaling Theory serve as dual epistemological frameworks. Results: a. A three-level halal washing typology was identified: Symbolic-Visual (65.8% of content), Terminological (78.4%), and Authoritative (38.1%), each confirmed by directly correlated consumer complaints, b. Sharia différance proven empirically: 0% of content provided publicly accessible contract documents or DPS reports, c. Empty signaling market confirmed: signal costs far lower than actual compliance costs, causing all sharia signals including DPS endorsements to lose informative function. d. A Digital Halal Washing Reproduction Cycle Model was constructed through four structural mechanisms: information asymmetry, digital oversight deficit, visual-symbolic heuristics, and asymmetric economic incentives. Conclusion and suggestion: This study concludes that halal washing in Indonesian sharia fintech digital marketing is a systemic phenomenon in which symbolic sharia claims are not consistently supported by substantive compliance, creating a gap between marketing narratives and consumer experiences. By integrating Derridean Deconstruction and Signaling Theory, this study extends the concept of halal washing and proposes a three-level typology comprising symbolic-visual, terminological, and authoritative halal washing. The findings imply that OJK and DSN-MUI should establish explicit standards and periodic audits for digital sharia marketing claims to strengthen consumer protection and industry credibility. Future studies are encouraged to examine halal washing across other Islamic financial sectors and different regulatory contexts to validate and refine the proposed conceptual framework.
Co-Authors Agus Arwani Agus Arwani Alma Khorina Azzahra Nabila Bekti Setiadi Daffa Asysyakir Desvita Ina Amelia Dwi Tika Wulan Sari Faiz Zaidan Saputra Fatisa Dina Rahmadayanti Fika Dealova Iqbal Hilmawan Iwan Harsono Jacsy Tubalawony Kayla Zahratus Syta Khairul Anwar Layla Fayza Aryanti M. Akmal Khoirur Roziq M. Farel Tsaqif Maghfur Nafal Fikri Nanda Saputra Nasrul Khakim Nazia Adeel Nindi Aulia Radya Amkanaki Niarno Susminingsih Syifah Jalianty Syihabud Din Zahrotul Milatina