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All Journal ASAS : Jurnal Hukum Ekonomi Syariah HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies Syi'ar Iqtishadi Jurnal Profetik Al Maal: Journal of Islamic Economics and Banking Jurnal khabar: Komunikasi dan Penyiaran Islam Tadbir: Jurnal Manajemen Dakwah TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Dakwah: Jurnal Kajian Dakwah dan Kemasyarakatan Jurnal Manajemen Dakwah Jurnal Riset Komunikasi Penyiaran Islam Journal of Islamic Management Busyro : Jurnal Dakwah dan Komunikasi Islam ITQAN: Journal of Islamic Economics, Management, and Finance FADZAT Jurnal Ekonomi Syariah Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Al-Manaj Jurnal Hukum Ekonomi Syariah : AICONOMIA Innovative: Journal Of Social Science Research Jurnal Kajian Manajemen Dakwah Setyaki : Jurnal Studi Keagamaan Islam Gudang Jurnal Multidisiplin Ilmu HIKMAH: Jurnal Ilmu Dakwah dan Komunikasi Islam HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis El-Uqud: Jurnal Kajian Hukum Ekonomi Syariah Journal of Entrepreneurial and Business Diversity Jurnal Manajemen Dakwah (J-MD) Tasyri' Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah JEBD Al-Zayn: Jurnal Ilmu Sosial & Hukum AL-KARIM: Journal of Islamic and Educational Research Jurnal Kajian Islam dan Sosial Keagamaan Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam Jurnal Syariah dan Ekonomi Islam (JSEI) Jurnal Inovasi Ekonomi Syariah dan Akuntansi Mudabbir Jurnal Bisnis Inovatif dan Digital Al-Idaroh I'thisom: Jurnal Ekonomi Syariah Journal of Business Economics and Management Abdurrauf Law and Sharia Jurnal Manajemen Dakwah JIMAD : Jurnal Ilmiah Multidisiplin IPSSJ Ittishol: Jurnal Komunikasi dan Dakwah Ulil Albab Abdurrauf Journal of Education and Islamic Studies Mushawwir: Jurnal Manajemen Dakwah dan Filantropi Islam Munazzama Journal of Islamic Management and Pilgrimage ISTA Online Technologi Journal
Muhamad Zen
UIN Syarif Hidayatullah Jakarta
Religion Aerospace Engineering Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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Urgensi Zakat Dan Waqaf Dalam Pembangunan Ekonomi Syariah Kontemporer Fadilah, Nurul; Zen, Muhamad
Abdurrauf Law and Sharia Vol. 1 No. 2 (2024): Abdurrauf Law and Sharia
Publisher : Yayasan Abdurrauf Cendekia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70742/arlash.v1i2.104

Abstract

Abstract:. Zakat and waqf are two significant instruments in economic development. The purpose of this research is to describe zakat and waqf in the perspective of Islamic economics; its urgency; opportunities and innovations in the digital era as well as challenges and solutions. This research method uses descriptive qualitative method with library research data source. The results show that zakat and waqf are two important instruments in contemporary Islamic economics that not only function as an obligation of Muslims but also as a means to achieve social welfare and sustainable economic development. The essence of zakat waqf is economic empowerment; economic and social improvement; and human resource development. The opportunities and innovations of zakat in the digital era, by utilizing digital technology and good governance principles, are essential to increase effectiveness and transparency. This will encourage public participation and strengthen trust in zakat management institutions. Meanwhile, opportunities and innovations for waqf with digital platforms for raising waqf; cash waqf and investment in smart contracts and blockchain; cash waqf and investment; education and awareness through social media; mobile applications for donations; data analyst; digital waqf for startups. In addition, there are some challenges such as lack of public awareness of zakat and waqf; the concept of zakat and waqf is often misunderstood; changes in economic dynamics. While the solution is education and socialization Keywords: Zakat; Waqf; Sharia Economics Abstrak: Zakat dan wakaf merupakan dua instrumen yang signifikan dalam pembangunan  ekonomi. Tujuan dari penelitian ini adalah mendeskripsikan zakat dan wakaf dalam pespektif ekonomi syariah; urgensinya; peluang dan inovasi di era digital serta tantangan dan solusinya. Metode penelitian ini menggunakan metode deskriptif kualitatif dengan sumber data library research. Hasil Penelitian menunjukkan bahwa zakat dan wakaf merupakan dua instrumen yang penting dalam ekonomi syariah kontemporer yang tidak hanya berfungsi sebagai kewajiban umat muslim semata melainkan sebagai sarana untuk mencapai kesejahteraan sosial dan pembangunan ekonomi yang berkelanjutan. Ugensi zakat wakaf adalah pemberdayaan ekonomi; peningkatan ekonomi dan sosial; serta pengembangan sumber daya manusia. Peluang dan inovasi zakat diera digital, dengan memanfaatkan teknologi digital dan prinsip tata kelola yang baik, sangat penting untuk meningkatkan efektivitas dan transparansi. Hal ini akan mendorong partisipasi masyarakat dan memperkuat kepercayaan terhadap lembaga pengelola zakat. Sedangkan peluang dan inovasi terhadap wakaf dengan platform digital untuk penggalangan wakaf; wakaf uang dan investasi smart contracts dan blockchain; wakaf uang dan investasi; edukasi dan kesadaran melalui media sosial; aplikasi mobile untuk donasi; data analytist; wakaf digital untuk starup. Selain itu Adapun beberapa tantangannya kurangnya kesadaran Masyarakat terhadap zakat dan wakaf; konsep zakat dan wakaf seingkali disalah pahami; perubahan dinamika ekonomi. Sedangkan solusinya yaitu edukasi dan sosialisasi; peningkatan manajemen; inovasi model wakaf dan zakat; regulasi yang mendukung; transparan dan akuntabilitas.
Konsep Fiqh Muamalah tentang Mudharabah dan Perkembangannya dalam Islamic Venture Capital Nufus, Siti Hayati; Zen, Muhamad
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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Abstract

The need for interaction and collaboration is a fundamental trait in human economic life. In the context of the Islamic financial system, this need is accommodated by a financing mechanism that adheres to the principle of profit sharing and shared risk. One of the most relevant and fundamental forms of partnership contracts is Mudharabah. Along with the evolution of global markets and the complexity of technological innovation, there has been a need to adapt this classic framework into modern financial instruments. This study aims to analyze the application of fiqh muamalah mudharabah and its development in Islamic Venture Capital and legal adjustment with classical fiqh. The method applied in this study is a qualitative method by means of literature study. All information obtained is then processed through scientific stages. This study shows that the mudharabah contract in the development of Islamic Venture Capital is very significant, as evidenced by the existence of the contract used and adhering to sharia principles. Islamic Venture Capital aims to support new venture innovation through involvement in the process of developing and forming companies. The financing method of Sharia Venture capital includes: mudharabah, which is a transaction between two parties who work together to obtain profits.
Bai‘ Al-Salam dan Aplikasinya dalam Sistem Pre-Order Online Platform Tanifund Mujadid, Shofam Amim; Zen, Muhamad
El-Uqud: Jurnal Kajian Hukum Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Fakultas Syariah UIN Prof. K.H. Saifuddin Zuhri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/eluqud.v3i2.15410

Abstract

This study analyzes the suitability of the digital pre-order system with the bai' al-salam contract from a muamalah jurisprudence perspective, using the TaniFund platform as a model of contemporary practice. In principle, pre-orders share similar characteristics to salam, in that payment is made in advance for goods delivered later according to agreed specifications and timing. However, observations on TaniFund indicate potential Sharia inconsistencies, such as unclear commodity specifications, uncertain harvest times, the risk of product substitution, and possible production delays due to crop failure. Furthermore, the use of conventional protection schemes and the lack of Sharia-compliant dispute resolution mechanisms can give rise to elements of gharar (unclear risk) and injustice for both investors and farmers. This study uses a qualitative-descriptive approach through a study of classical fiqh literature, the DSN-MUI fatwa No. 05/DSN-MUI/IV/2000 on salam, and an analysis of practices on the TaniFund platform. The research results show that pre-orders can be declared valid according to Sharia if they fulfill the pillars and requirements of salam, and are supported by transparent digital mechanisms, written contracts, commodity verification, and Sharia-compliant risk mitigation schemes. Therefore, strengthening contracts, internal regulations, and user education are necessary to ensure that digital pre-order practices, including those at TaniFund, align with the principles of justice, legal certainty, and the welfare of the Islamic economy.
Konsep Kafalah dalam Fiqh Klasik dan Aplikasinya pada Sistem Jaminan Syariah Kontemporer Ummi Sa’adah; Muhamad Zen
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 4 No. 4 (2025): Oktober: Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v4i4.5248

Abstract

Kafalah is an important instrument of Islamic jurisprudence (fiqh) in Islamic economic law, particularly in Islamic banking, Islamic insurance (takaful), and Islamic fintech as a sharia-compliant guarantee mechanism. This article aims to examine the application of kafalah in the economic sector and its implementation in contemporary Islamic guarantee systems. The methods used are literature studies and the review of several case studies and scientific articles. This article finds that in its implementation, modern kafalah is still in line with the classical principle of amanah (trustworthiness) because both are rooted in the values ​​of trust, responsibility, and mutual support, even though modern kafalah is commercial in nature. Several contemporary scholars, including the DSN-MUI fatwa No. 11/DSN-MUI/IV/2000, permit the imposition of administrative fees as long as they are not profit-oriented but only cover real costs. The application of modern kafalah remains in accordance with classical fiqh principles as long as they maintain the principles of amanah (trustworthiness), transparency, and do not contain riba (usury) or gharar (gharar). Therefore, it is important to harmonize national regulations to ensure that kafalah practices continue to run in accordance with the maqasid of sharia and support the development of Islamic financial progress while still being able to maintain public trust in the Islamic financial system.
Al-‘Urf Dalam Fiqih Klasik Dan Implikasinya Pada Transaksi Online Kontemporer Nurul Alvi Chindi Fadhilah; Muhamad Zen
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 3 No 6 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v3i6.2611

Abstract

Perkembangan teknologi digital sudah menjadikan perubahan besar pada system transaksi ekonomi di Masyarakat. Pergeseran dari jual beli secara tradisional menuju transaksi berbasis online mendorong reinterpretasi hukum Islam agar sesuai dengan konteks modern. Salah satu konsep penting dalam fiqh muamalah yang dapat menjembatani perubahan ini adalah urf (kebiasaan yang diakui masyarakat). Penelitian ini bertujuan untuk mengkaji konsep urf dalam fiqh klasik serta implikasinya terhadap praktik transaksi online kontemporer. Metode yang digunakan adalah studi Pustaka dengan menganalisis literatur klasik, karya ulama kontemporer, serta fatwa DSN-MUI dan standar AAOIFI terkait transaksi digital. Hasil kajian menunjukkan bahwa urf digital seperti penggunaan checkout, e-payment, e-invoice, dan QRIS syariah bisa dikategorikan sebagai urf mu’tabar karena diterima luas oleh Masyarakat dan tidak bertentangan dengan prinsip syariah. Pengakuan ini memperkuat fleksibilitas hukum islam dalam menghadapi inovasi teknologi, sekaligus mewujudkan maqasid al-syariah, yakni keadilan, perlindungan harta dan kemashlahatan umum.
Takaful Batasan Gharar dalam Asuransi Syariah: Analisis Fiqh Klasik dan Model Takaful Kontemporer Hari Risky Syahputra; Muhamad Zen
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.28807

Abstract

Gharar is a concept that should be avoided due to the uncertainty inherent in financial transactions according to Islamic law. In conventional insurance practices, the element of gharar is considered quite dominant, especially in terms of uncertainty in a contract. This study aims to analyze the limitations of gharar based on the perspective of classical Islamic jurisprudence and how the principles of the takaful model become a form of contemporary insurance. This study uses a qualitative method with a comparative descriptive analysis approach to classical Islamic jurisprudence literature on takaful practices. The results of this study indicate that gharar fahisy (severe) is strictly prohibited, while gharar light (Yasir) can be tolerated in contracts (tabarru) and with the application of the principles of transparency, fairness, and separation of participant and manager funds. This study concludes that Islamic insurance, through the takaful system, has succeeded in significantly minimizing gharar in accordance with Islamic jurisprudence, thus becoming an ethical and Sharia-compliant financial solution.
Fiqih Klasik Tentang Syuf`Ah dan Aplikasinya dalam Perlindungan Hak Pemegang Saham Minoritas NURRAHMAINI; Zen, Muhamad
FADZAT: Jurnal Ekonomi Syariah Vol. 6 No. 1 (2025): Edisi Desember
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

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Abstract

Konsep syuf‘ah dalam fiqih Islam klasik merupakan salah satu mekanisme perlindungan hak individu dalam transaksi kepemilikan bersama (musya‘). Syuf‘ah memberikan hak prioritas bagi mitra kepemilikan untuk membeli bagian yang dijual oleh salah satu pihak sebelum pihak lain di luar kepemilikan tersebut memiliki kesempatan membelinya. Hasil penelitian menunjukkan bahwa konsep syuf‘ah memiliki nilai keadilan dan perlindungan terhadap pihak yang lemah, yang sejalan dengan prinsip fair treatment dalam hukum korporasi modern. Aplikasi nilai-nilai syuf‘ah dapat dijadikan dasar moral dan yuridis dalam memperkuat regulasi yang melindungi pemegang saham minoritas dari praktik pengambilalihan atau penjualan saham yang merugikan kepentingan mereka. Dengan demikian, fiqih klasik tidak hanya relevan dalam konteks sosial masa lalu, tetapi juga memiliki signifikansi etis dan praktis dalam tata kelola perusahaan kontemporer. Kata Kunci: Syuf`Ah, Fiqih Klasik, Perlindungan Hukum, Pemegang Saham Minoritas.
IJARAH AND THE SHARING ECONOMY: A FIQH AL-MUAMALAT PERSPECTIVE ON THE PHENOMENON OF DIGITAL RENTALS IN THE PLATFORM ERA Novandika, Dida; Zen, Muhamad
Jurnal Manajemen Dakwah Vol. 6 No. 1 (2025): JMD
Publisher : Program Studi Manajemen Dakwah, FUAD, IAIN Pontianak

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Abstract

This study examines the application of the ijarah contract within the digital sharing economy, focusing on platforms such as Gojek, Grab, and Airbnb. Employing a systematic literature review and qualitative content analysis, the research investigates academic literature, DSN-MUI fatwas, Financial Services Authority (OJK) regulations, and normative principles of the Qur’an. The findings indicate that the ijarah contract remains relevant in digital economic practices but faces critical challenges, including uncertainty (gharar), information transparency, and consumer protection. The variant Ijarah Muntahiyah bi al-Tamlik (IMBT) is considered more adaptive for long-term digital transactions, as it provides ownership certainty at the end of the contract. DSN-MUI Fatwas No. 112/2017 and No. 117/2018 offer normative legitimacy, while OJK regulations strengthen legal certainty, transparency, and consumer protection. Contemporary research (Muhamad Zen, 2021; 2022) further highlights the importance of clear objects, pricing, duration, and dispute resolution mechanisms. These results are consistent with the Qur’anic principle in Q.S. Al-Qaṣaṣ [28]:26, emphasizing al-quwwah (competence) and al-amānah (trustworthiness) as ethical foundations. This study contributes to the development of contemporary fiqh muamalah by integrating classical theory, fatwas, regulations, and digital practices. Practical implications include strengthening contract transparency in digital platforms, designing Sharia-compliant tax regulations, and improving consumer protection mechanisms.
Rekontruksi Konsep Bai’ Al-’Inah dan Relevansinya terhadap Pengembangan Produk Keuangan Syariah Modern Efrizal, Tegar; Zen, Muhamad
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 4 No. 2 (2025): Aiconomia Desember 2025
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v4i1.6140

Abstract

Bai' al-'Inah is a concept in muamalah fiqh that still causes incidents, especially in modern sharia financial practices. Formally, this transaction takes the form of two valid sale and purchase contracts, but substantially it is often seen as resembling an interest-bearing loan, thus potentially containing elements of usury. This study aims to analyze Bai' al-'Inah comparatively between the views of classical scholars, especially Imam al-Syafi'i in al-Umm and Ibn Taymiyyah in Majmū' al-Fatāwā, and contemporary fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), especially Fatwa No. 04/DSN-MUI/IV/2000 and Fatwa No. 31/DSN-MUI/VI/2002. This study uses a qualitative method with a library research approach, through thematic analysis of relevant classical and contemporary literature. The results of the study indicate that Imam al-Syafi'i tends to allow Bai' al-'Inah formally as long as the pillars and conditions of the contract are fulfilled without any hidden conditions, while Ibn Taymiyyah firmly rejects the practice of being divided because it is a usury that deviates from the maqasid al-syariah. Meanwhile, the DSN-MUI implicitly rejects Bai' al-'Inah in Islamic financial practices in Indonesia, although in certain contexts it allows mechanisms that resemble Bai' al-'Inah on the basis of greater public interest considerations. This study confirms that Bai' al-'Inah is not only a matter of formal legality, but also a moral, social, and ethical issue in the Islamic financial system. Thus, the development of modern Islamic finance should not stop at the formal fulfillment of the contract, but also focus on containing the maqasid al-syariah in order to realize justice and economic welfare.
Mudharabah serta Musyarakah dalam Praktik Lembaga Keuangan Syariah Arsela, Mika; Zen, Muhamad
Tasyri' : Journal of Islamic Law Vol. 4 No. 1 (2025): Tasyri'
Publisher : STAINI Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53038/tsyr.v4i1.156

Abstract

Islamic financial institutions record extraordinary circumstances achieved at ever-changing intervals that can be recognized by cosmopolitan technology. This reflection talks about the differences and similarities between mudharobah and musyarakah in the participation of Islamic financial institutions. The euphemistic disposition possessed in reflection is a qualitative disposition with a creative writing approach. Each collection is hand-collected and explained thereby nailing down a well-controlled process. This reflection states that the persistence of understanding mudharobah and musyarakah in the beginnings of Islamic finance has differences and similarities, these differences can be seen from the understanding, basic sharia, actions in Islamic financial institutions, capital, patronage management, ratios and risks. These patches of similarity complete the distortion of facts in business goals and complications.
Co-Authors Ahmad, Habibullah Al Kahfi Amalia, Alvina Apdil Abdilah Apdil Abdilah Ardiansyah, Muhammad Farid Abi Arif, Zainal Arsela, Mika Azhaari, Hasna Baharudin Ardani Bariek Azka Perdana Darmawati, Nia Efrizal, Tegar Eko Prabowo, Eko Fadhilla, Indah Fahmi, M. Fahmi Ashari Fatmawati - Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati, Fatmawati Fitrah Amaliah Hasibuan Handayani, Nur Annisa Tri Harahap, Maratua Hasonangan Hari Risky Syahputra Heny May Widiyawati Huzzatul Fikriyah Ibnu Apriani Idawati ISTIANAH Kahfi, Al Laeli, Azah Nur M Gustar Umam M Zein Ramadhan Rifa’I M. Miftahur Rahmat Isnaini Mara Umar Mohammad Fahmy Bin Rapaee Muhamad Afdoli Ramadoni Muhammad Dzaki Hawari Muhammad Farid Abi Ardiansyah Muhammad Hafizul Aripin Muhammad Yudha Ardiansyah Mujadid, Shofam Amim Murodhi, Difa Baladissalam nida arafat Novandika, Dida Nufus, Siti Hayati Nuha, Nuha Nabila Aswari Nur Khikmah Nuralim, Aip Nurrahmaini Nurul Alvi Chindi Fadhilah Nurul Fadilah, Nurul Paula Sembiring Rahmi Nur Azizah Ramadhan, Fitrah Rhohis Kurniawan Robaiyadi, Robaiyadi Rubiyanah Rubiyanah Sabirin, Yoga Basyiril Sembiring, Muhammad Rifaldi Syahputra Shabri, Nabilla Aulia Siti Sofiah Rahmawati Siti Trizuwani Syahrizal Syihabudin, Zakaria Syuhudi, Irfan Ummi Sa’adah Wahidin Wali, Ahmad Mutawalli Nasution Wirianisa, Syifani Wisnu Nugraha Yoga Agus Yulianto Yusrin, Erlin Annisa Zahira, Hasna