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Integration of Maqāṣid Al-Sharīʿah in the Design of Hybrid Financial Contracts (Uquˉd Murakkabah) Fattah, Abdul; Anwar, Syahrul
Jurnal Iman dan Spiritualitas Vol. 5 No. 4 (2025): Jurnal Iman dan Spiritualitas
Publisher : UIN Sunan Gunung Djati Bandung

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Abstract

This study aims to critically examine how maqāṣid al-sharī‘ah can be systematically integrated into the design, structuring, and evaluation of uqud murakkabah (hybrid contracts) as a core driver of contemporary Islamic financial innovation. Grounded in key concepts such as maqasid, hybrid contracts, maslahah, hilah, and the principles of uṣūl al-fiqh, this research adopts a qualitative library-based methodology, drawing on classical jurisprudence, contemporary scholarship, international Sharia standards, and DSN-MUI fatwas. The scope of analysis includes conceptual foundations, methodological linkages, and practical applications of hybrid contracts in financing, home ownership structures, and sukuk engineering. The findings demonstrate that maqasid integration requires hybrid structures that ensure clarity, transparency, justice, real economic substance, and effective safeguards against hilah and exploitative risk configurations. Key challenges include contractual complexity, limited practitioner awareness of maqasid, and a tendency to mimic conventional financial instruments. Practical recommendations include strengthening maqasid-oriented regulatory frameworks, enhancing the capacity of Sharia Supervisory Boards, and developing measurable evaluation instruments. The study contributes an integrative normative-analytical framework that operationalizes maqasid within hybrid contract design to enhance ethical and welfare-oriented outcomes in Islamic finance. This research introduces a structured maqasid-hybrid contract integration model, offering an actionable evaluative tool for regulators, Sharia boards, and industry practitioners to ensure substantive Sharia compliance beyond formal legality.
Islamic Monetary System: Foundations Normative Pillars and Implementation Prospects in the Modern Era Fattah, Abdul; Janwari, Yadi; Al-Hakim, Sofian
Zona Law And Public Administration Indonesia Vol. 3 No. 6 (2025): November 2025
Publisher : Yayasan Mentari Madani

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Abstract

Recurrent global financial crises, such as the 1997 Asian crisis, the 2008 subprime mortgage crisis, and the economic uncertainty of the post-COVID-19 pandemic, highlight the structural weaknesses of the conventional debt- and interest-based monetary system that often fuels imbalances between the monetary and real sectors and encourages speculative behavior. In response, the Islamic monetary system exists as a normative and practical alternative that emphasizes justice, stability, and social welfare through the prohibition of usury, gharar, and maysir, as well as the linking of money to real economic activities. This article examines the philosophical foundations, normative pillars, and operational principles of the Islamic monetary system, highlighting the role of classical scholars such as al-Ghazali, Ibn Taymiyyah, and Ibn Qudamah, as well as the contributions of contemporary thought Wahbah Zuhaili and Umar Chapra. This study also traces the history of the implementation of the Islamic monetary system during the time of the Prophet and Khulafaur Rashidin which is based on bimetal standards (dinar-dirham), as well as examines the implementation of Islamic monetary policy in Indonesia through instruments such as sukuk, SBIS, and Islamic interbank money markets. The research methodology uses a qualitative approach with a literature review, analyzing primary and secondary literature to identify the foundations, pillars, and prospects of the Islamic monetary system. The results of the study show that the Islamic monetary system is able to integrate money creation control, risk-sharing-based policy transmission, real sector deepening, and governance based on sharia maqasid. Despite challenges such as low Islamic financial literacy and the need for regulatory harmonization, the prospects for the Islamic monetary system are very bright as an inclusive, sustainable, and equitable economic solution in the era of globalization and financial technology innovation
The Implication of Property Classification on Contract Validity and Tasharruf Rights: A Comparative Analysis of Fiqh Schools Susandi, Adi; Fattah, Abdul; Jubaedah , Dedah; Setiawan, Iwan
Zona Law And Public Administration Indonesia Vol. 3 No. 6 (2025): November 2025
Publisher : Yayasan Mentari Madani

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Abstract

Property (al-māl) occupies a central position in Islamic law as part of Maqāṣid al-Syarī‘ah. However, there is a fundamental divergence among Fiqh schools regarding its ontological definition. The Hanafi school emphasizes a materialistic approach requiring physical existence and storability while the Majority (Jumhur) scholars (Maliki, Shafi'i, and Hanbali) adopt a value-based functional approach. This study aims to analyze these comparative views and their implications for contract validity and disposal rights (ḥaq taṣarruf), particularly within the context of the digital economy. Using a qualitative library research method with a juridical-normative approach, this study finds that the Jumhur’s definition is more adaptive to modern intangible assets such as cryptocurrencies and NFTs. Conversely, the Hanafi distinction between invalid (fāsid) and void (bāṭil) contracts offers legal stability in transactions. The study concludes that a methodological synthesis between Hanafi’s legal rationality and the Jumhur’s value-orientation is necessary to construct a contemporary Fiqh Muamalah that is responsive to technological disruption while maintaining Sharia compliance
Peranan Siaran Radio Insania 100,8 Fm Makassar Dalam Melestarikan Budaya Lokal Di Makassar Rani Rani; Abdul Fattah; Agil Husain Abdullah
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 6 (2025): Desember 2025 - Januari 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk (1) Mengetahui peranan siaran Radio Insania dalam melestarikan budaya lokal di Makassar, (2) Mengetahui faktor pendukung dan penghambat siaran Radio Insania dalam melestarikan budaya lokal. Penelitian ini menggunakan metode analisis kualitatif dengan teknik pengumpulan data melalui observasi, dokumentasi, dan wawancara kepada Program Director, Ketua Penyiar.Hasil penelitian menunjukkan bahwa: (1) Radio Insania 100,8 FM Makassar merupakan siaran radio yang memiliki beberapa tujuan yaitu mencerahkan pendidikan generasi muda, melestarikan kebudayaan nusantara, mengajak peduli kemanusiaan. (2) Radio Insania memiliki Program yaitu salah satunya program  Indonesiana, yang dimana program ini lebih berfokus ke problematika yang terjadi di tengah masyarakat. (3) Program Indonesiana memiliki faktor pendukung dalam pelaksanaannya. Faktor tersebut berupa penyiar, alat penyiar, informasi mengenai budaya, narasumber, art and culture. Terdapat pula faktor penghambat dalam mengembangkan siaran radio yaitu penyiar radio, kurangnya narasumber, terbatasnya peralatan.
STRATEGI PENGEMBANGAN UMKM PENJUAL KITAB UNTUK MEMPERKUAT EKONOMI RELIGIUS DI KAWASAN SUNAN AMPEL Fattah, Abdul; Naim; Walipah
Jurnal Manejemen, Akuntansi dan Pendidikan Vol. 2, No.3, Desember 2025
Publisher : YAPAKAMA (Yayasan Putra Khatulistiwa Malang)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jamapedik.v2i3.365

Abstract

Penelitian ini bertujuan menggambarkan kontribusi UMKM penjual kitab terhadap aktivitas ekonomi religius di kawasan wisata Sunan Ampel. Prosesnya dilakukan melalui wawancara langsung dengan pekerja toko kitab yang telah bekerja selama tujuh tahun. Metode pelaksanaan menggunakan observasi lapangan singkat dan wawancara semi-terstruktur yang dilakukan dalam satu hari sesuai jadwal pengabdian Ujian Tengah Semester. Hasilnya menunjukkan bahwa UMKM kitab memiliki peran penting dalam menjaga keberlanjutan ekonomi lokal melalui jam operasional panjang, sistem kerja bergiliran, dan tingginya arus peziarah pada hari libur. Temuan ini mengimplikasikan bahwa UMKM religius berkontribusi pada stabilitas ekonomi sekaligus penguatan literasi keagamaan.
Analisis Faktor-Faktor Yang Mempengaruhi Minat Beli Sepeda Listrik Terhadap Masyarakat Kraksaan Hamzah, Moh; Junaidi, Ahmad; Fattah, Abdul; Bayu, Septian; Rizal, Moh; Ubaidillah, Ubaidillah
New Economy Vol. 1 No. 1 (2025)
Publisher : CV. Akira Java Bulu

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Abstract

Technological developments are increasingly sophisticated. Likewise, sophistication is developing in vehicle parts. What were originally fuel-powered vehicles have now been modernized with electric vehicles that only rely on electricity as a charger. Therefore, researchers aim to find out the factors that influence the interest in buying electric bicycles among the people of Paiton. This research uses quantitative methods. The population in this research is the Paiton community who own electric bicycles. In this research, the sampling method used is the simple random sampling method. The simple random sampling method (Simple Random Sampling) is a sampling technique that is completely based on providing equal opportunities to the entire population (Bambang Sugeng, 2022). This research uses the Lemeshow formula, because the sample population is unknown. This research used a sample of 96 respondents. In accordance with calculations using the Lemeshow formula. The data analysis technique used is multiple linear regression analysis with the help of SPSS software. The research results show that taste, price and income do not influence people's interest in buying electric bicycles.
Prevention Of Miscommunication Through Feedback Control In Virtual Learning Abdul Fattah; Ardiyan Ainul Yaqin; Faricha Fahmadina
INTEGRATIA: Journal of Education, Human Development, and Community Engagement Vol. 3 No. 1 (2025): Education, Human Development, and Community Engagement
Publisher : PC Ikatan Sarjana Nahdlatul Ulama Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71155/integratia.v3i1.173

Abstract

Miscommunication is an inherent and significant challenge in virtual learning environments, often exacerbated by the lack of non-verbal cues and interaction delays. Such miscommunication can drastically hinder material comprehension, lower the quality of interaction, and reduce the overall effectiveness of the educational process, ultimately leading to a decline in learning outcomes. Therefore, this research is crucial as it addresses a core issue in E-Learning. By examining the role of feedback control, this study offers structured and practical solutions to minimize instructional ambiguity and the understanding gap between educators and learners in virtual settings.The primary objective of this research is to analyze and demonstrate the effectiveness of preventing miscommunication through intentional and structured feedback control—encompassing teacher-to-student, student-to-teacher, and peer- to-peer feedback. The findings highlight miscommunication prevention strategies and mechanisms that are generally applicable in virtual learning. Effective feedback control includes providing prompt, clear, and bidirectional responses, alongside the use of interactive media that facilitates message clarification. By implementing feedback control, incidents of miscommunication, such as instructional misunderstandings and material ambiguity, can be minimized.It is predicted that the results will show that directed and consistent feedback plays a vital role in preventing miscommunication. With the application of clear, reciprocal feedback strategies, students will more easily comprehend messages conveyed by educators and feel more motivated to provide meaningful feedback in return. Generally, this research is expected to underscore the importance of feedback management for effective two-way communication in virtual learning, thereby contributing to the development of more effective and efficient digital educational communication strategies.
Co-Authors Abbas Abd. Haris Abd. Rahman Abdi Negara Abdul Gani ABDUL HAMID Abid, Muhammad Achmadin, Balya Ziaulhaq Adib, Ahmad Hidhir Adul Quddus Agil Husain Abdullah Ahmad Barizi Ahmad Junaidi Ahwiyah Ekawati Said Ainul Mardiah Al-Hakim, Sofian Alamsyah Alfa, Mohammad Asrori Ali Hasan, Hurriah Ali, Muhammad Fiqri Aminah Aminah Amri Amir Amrullah, Wahdaniya Andi Erdiansa, Andi Andi Nasruddin Ansori, Muhammad Zainul Ardiyan Ainul Yaqin Ardjanhar, Asni Arief Bimantoro Suharko Arif, Aminul Asri, Dwi Aulia, Novira Awa, Awa Azmat Sadik, Aulia Baehaqi Balafif, Mohammad Bayu, Septian Benny Afwadzi, Benny Bidhari, Lesty Ayu Dahlan lama bawa Daulay, Anysah Desty Endrawati Devi Pramitha Diandra, Salsabila Didi Didi, Didi Fahmi, Rizky Hadijah Fajira, Era Faricha Fahmadina Fathurrahman Muhtar Fatmawati Fatmawati Fauziah Fauziah Ferdinan Ferdinan Ferdinan Ferdinan, Ferdinan Fitra Mario Zidan Fitrah Maulia Putri Fitriani, Iwan Haidar, Putri Bayu Hairil Anwar Hamdani Hamdani Hamzah, Moh Haryono Haryono Hasanah, Ikhwatun Hasbi Hasibuan, Ilham Martua Herawati Herawati Hery Widijanto Hijran, Muhammad Iin Fadilah Imsar, Imsar Iswadi, Muhamad Khalid Iwan Setiawan Jalaludin, Yudhi Setiawan Jubaedah , Dedah Julkipli K. Amrullah, Abdul Malik Karlina Syahruddin, Karlina Khoir, Fatihul Khoirul Anwar Khojin Supriadi, Khojin Khonifah, Faridotul Kirtawadi Kirtawadi Kirtawadi, Kirtawadi Laksono Trisnantoro Lasah, Benidiktus Lubis, Artika Lukmanul Hakim M Ilham Muchtar M, Nurhidaya M. Ilham Muchtar M. Sobry Maharani, Dewi Majduddin, Mohammad Mangngelo, Clarissa Tambing Maram, Ahmad Nabilul Mardatilla Mardatilla Masnun Tahir Masrina, Masrina Meta Aprilia MH, Masrina Miftahul Ulum Mohammad Asrori Muchtar, M Ilham Muchtar, Wardatul Maulidina Muh Firdaus Muh Hamzah, Muh Muhammad Azrai, Muhammad Muhammad Habibirrahman Muhammad Izzul Fahmi Muhammad Said Baco Muhammad Thohri, Muhammad Muhammad Yasin Mukharomah, Awwalina Mukhsin, Akhmad Mukorrobin, M. Murni S Muslichah Erma Widiana Mustain Mustain Mustain Mustain Mustakim Mustakim Nabilah, Nafa Naim Naslah Nasri , Ulyan Nazah, Safinatun Nazmi Laila Gita Nining Nurini Andayani, Nining Nurini Nur Khasanah Nur Rifka Nursamiah, Nursamiah Nurul Shofiah Oktafani, Fitri Permata, Reynata Ayu Priyanto, Slamet Bambang Purba, Eva Ferawati Puri, Anna Maria Rosari Mestikaning Putri, Indah Rosshiana Rahma, Indah Anggun Rahman Rahman Rahman, Ayyub Ar Rahman, Musyirah Rahmasari, Anggraeni Ramadhan, Rivalzaky Echa Rani Rani Rifa Hidayah Rifka, Nur Rifyatul Azizah Rikiansyah, Rikiansyah Rizal, Moh Rizki Rizki Roy Efendi, Roy Rozi Rozi, Rozi RR. Ella Evrita Hestiandari Rusyd, Rajiah Safitri, Farida Said, Sigit Budianto Salimul Jihad Samudra, Ferry Pungkas Santoso, Arik Lutfi Saputra Syachrul, Muh Ilham Sa’diyah, Fatichatus Sigit Budi Santoso, Sigit Budi Sihotang, Bertha Uli Silalahi, Ghadief Hanbal Silalahi, Purnama Ramadani Sinaga, Hadawiyanti Siti Asiyah Siti Kotijah Sitti Satriani Soehardjoepri, Soehardjoepri Solichah, Novia Sri Sahbany Suhara, Shakila Putri SUHIRMAN SUHIRMAN Sumarni Sumarni Sumiati Sumiati Suparmin, Sudirman Susandi, Adi Suwardi Suwardi Suwarti Suwarti Suwitra, I Ketut Syari'ah, Atiris Syarifah, Hasnia Imroatis Thoha, Anis Malik Tini Kartini Ubaidillah Ubaidillah Udiarto, Bagus K Ulviani, Maria Wafa, Iqbal Ali Wahdaniya Walipah Wara, Jullul Wati, Feby Anugrah Widyaningrum, Mahmudah Enny Yadi Janwari Yulianto, Dedik Zaelani Zaini, Fu’ad Zakiyah, Ermita