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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 Mabny : Journal of Sharia Management and Business Jurnal Manajemen Dakwah Jurnal Riset Komunikasi Penyiaran Islam Journal of Islamic Management Busyro : Jurnal Dakwah dan Komunikasi Islam JEBI (Jurnal Ekonomi dan Bisnis 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 El-Uqud: Jurnal Kajian Hukum Ekonomi Syariah Journal of Entrepreneurial and Business Diversity Jurnal Manajemen Dakwah (J-MD) Tasyri' Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah JEBD Al-Zayn: Jurnal Ilmu Sosial & Hukum QOSIM: Jurnal Pendidikan, Sosial & Humaniora 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 Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi 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 Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan dan Hukum Islam BORJUIS (JURNAL OF ECONOMY) MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Humanitis (Jurnal Humaniora Sosial dan Bisnis)
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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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

Show Abstract | Download Original | Original Source | Check in Google Scholar

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.
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): Jurnal Hukum Ekonomi Syariah : AICONOMIA
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.
Analisis Perancangan dan Implementasi Sistem Penjualan Kredit Berbasis Web (Studi Kasus : PT RUKUN SEJAHTERA TEKNIK) Idawati; Muhamad Zen; Nur Khikmah
ISTA Online Technologi Journal Vol. 3 No. 2 (2022): Agustus 2022
Publisher : Institut Sains dan Teknologi Al-Kamal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62702/ion.v3i2.56

Abstract

Abstrak Perancangan sistem penjualan kredit berbasis web pada PT. Rukun Sejahtera Teknik perlu dilakukan guna membantu proses kegiatan penjualan yang lebih efektif dan efisien. Kredit yang dimaksud disini adalah sistem pembayaran dengan metode jangka waktu yaitu tempo 30 hari dan tempo 60 hari setelah pelanggan mendapatkan barang yang dibeli. Aplikasi sistem penjualan kredit berbasis web menggunakan metode pengembangan waterfall dengan beberapa tahapan yaitu analisa kebutuhan, desain sistem, penulisan kode program, pengujian program, dan pemeliharaan program. Aplikasi ini dirancang menggunakan UML (unified Modelling Languange), yaitu Use Case Diagram, Activity Diagram, Sequence Diagram dan Class Diagram, MySQL. E-commerce ini dibuat menggunakan bahasa PHP (Personal Home Page) dan Framework Laravel. Kata kunci : Sistem Informasi, Penjualan kredit, Berbasis Web, database, waterfall. Abstract Designing a web-based credit sales system at PT. Rukun Sejahtera Technique needs to be done in order to help the sales process process more effectively and efficiently. The credit referred to here is a payment system with a maturity method of 30 days and 60 days after the customer gets the purchased item. The web-based credit sales system application uses the waterfall development method with several stages, namely needs analysis, system design, writing program code, program testing, and program maintenance. This application is designed using UML (Unified Modeling Language), namely Use Case Diagrams, Activity Diagrams, Sequence Diagrams and Class Diagrams, MySQL. E-commerce is created using the PHP language (Personal Home Page) and the Laravel Framework. Credit sales system design is based on web at PT. Rukun Sejahtera Technique needs to be done in order to help the sales process process more effectively and efficiently. The credit referred to here is a payment system with a maturity method of 30 days and 60 days after the customer gets the purchased item. The web-based credit sales system application uses the waterfall development method with several stages, namely needs analysis, system design, writing program code, program testing, and program maintenance. This application is designed using UML (Unified Modeling Language), namely Use Case Diagrams, Activity Diagrams, Sequence Diagrams and Class Diagrams,MySQL,. E-commerce is made using the PHP language (Personal Home Page) and the Laravel Framework. Keywords: Information Systems, Credit Sales, Web Based, Database, Waterfall.
Teori Al Amwal dan Kaitannya dengan Transaksi Syariah Al Amwal Al Batiniyyah, Al Zahiriyah, Al Am, dan Al Khas Robaiyadi Robaiyadi; Muhamad Zen
Al-Idaroh: Media Pemikiran Manajemen Dakwah Vol 5 No 1 (2025): Maret, Al-Idaroh: Media Pemikiran Manajemen Dakwah
Publisher : Program Studi Manajemen Dakwah Fakultas Dakwah dan Komunikasi Islam Institut Agama Islam (IAI) Al-Azhaar Lubuklinggau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53888/alidaroh.v5i1.825

Abstract

This study aims to determine how the theory of al-amwal relates to sharia transactions al amwal in fiqh muamalah al batiniyyah, al zahiriyah, al am, and al khas. The author uses a research approach library research method, which is a method that uses library sources such as books related to muamalah fiqh, journals, research results, and others related to the research topic. Amwal is a very important role in human life so that Islam has also provided learning about amwal from various forms, both in understanding, position and function, obtaining property and its utilization. As for the results of this study that the theory of al amwal in muamalah fiqh is widely explained by the scholars of the essence of property put forward by the majority of scholars and Hanafiyah scholars. According to the majority of scholars the property is not only material but also includes the benefits of an object. However, Hanafiyah scholars argue that what is meant by treasure is only material.
RIBA DAN TRANSAKSI KEUANGAN MODERN DALAM PRESPEKTIF ISLAM Dinda Luthfiaturrahmah Alhaq; Muhamad Zen
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 2 (2025): MEI
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study analyzes the relationship between Riba and modern financial transaction practices from an Islamic perspective. Riba, which is prohibited in Islamic teachings, has significant implications for social justice and economic welfare. By identifying various forms of Riba, this article provides in-depth insights into its impact on individuals and society. On the other hand, modern financial transactions, which often involve interest, present new challenges in the application of Sharia principles. Through comparative analysis, this research highlights the fundamental differences between traditional and modern financial mechanisms, as well as the resulting socio-economic consequences. This study also offers Sharia-compliant alternatives, such as profit-sharing financing, which can be implemented to create a more sustainable and ethical financial system. By referencing relevant case studies, this research aims to enhance understanding of the application of Islamic values in contemporary financial practices. In conclusion, this article recommends the necessity of collaboration among stakeholders to formulate policies that support financial transactions aligned with Sharia principles, in order to achieve inclusive and equitable economic welfare.
VALUE PROPOSITION DAN PERSONAL BRANDING DAI DIGITAL: STUDI GUS IQDAM DAN GUS KAUSAR DALAM EKONOMI UMAT Fatkhullah, Imam; Zen, Muhamad; Zen, Fatmawati
Ar-Risalah Media Keislaman Pendidikan dan Hukum Islam Vol. 24 No. 01 (2026): (April 2026)
Publisher : LPPM Universitas Islam Ibrahimy Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/awyyzk74

Abstract

This study is grounded in the phenomenon of the transformation of da’wah into the digital sphere, which requires preachers not only to deliver religious messages but also to build a unique value proposition and strong personal branding to attract audiences and contribute to the community’s economy. The main research question examines how value proposition and personal branding in digital da’wah shape preacher professionalism and support the strengthening of the ummah’s economy. This study positions itself within the integration of da’wah studies, digital communication, and community economics, which remains underexplored comprehensively. The research employs a qualitative method with a case study approach focusing on Gus Iqdam and Gus Kausar through social media content observation and literature review. The data analysis technique not only follows general stages such as data reduction, data display, and conclusion drawing, but is also strengthened by content analysis and comparative analysis approaches. The findings reveal that both preachers possess distinctive value propositions through communicative styles, humanistic approaches, and relevant content strategies, along with consistent personal branding, which lead to increased audience engagement and contribute to the strengthening of the ummah’s economy through the enhancement of work ethics, economic literacy, and a value-based digital ecosystem.
Co-Authors Ahmad, Habibullah Al Kahfi, Al Kahfi Amalia, Alvina Apdil Abdilah Apdil Abdilah Ardiansyah, Muhammad Farid Abi Arif, Zainal Arsela, Mika ARVAN SANDIKA Azhaari, Hasna Baharudin Ardani Bariek Azka Perdana Darmawati, Nia Dida Novandika Dinda Luthfiaturrahmah Alhaq Efrizal, Tegar Eko Prabowo, Eko Fadhilla, Indah Fahmi, M. Fahmi Ashari Fatkhullah, Imam Fatmawati Fatmawati - Fatmawati 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 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 Nufus, Siti Hayati Nuha, Nuha Nabila Aswari Nur Khikmah Nuralim, Aip Nurrahmaini Nurul Alvi Chindi Fadhilah Nurul Alvi Chindi Fadhilah Nurul Fadilah, Nurul Paula Sembiring Rahmat Ramadan Rahmi Nur Azizah Ramadhan, Fitrah Rhohis Kurniawan Robaiyadi Robaiyadi Rubiyanah Rubiyanah Sabirin, Yoga Basyiril Sa’idahtul Akmala Yusuf Sembiring, Muhammad Rifaldi Syahputra Shabri, Nabilla Aulia Siti Sofiah Rahmawati Siti Sofiah Rahmawati Siti Trizuwani Siti Trizuwani Sofian Syahrizal Syihabudin, Zakaria Syuhudi, Irfan Ummi Sa’adah Wahidin Wali, Ahmad Mutawalli Nasution Wirianisa, Syifani Wisnu Nugraha Yoga Agus Yulianto Yusrin, Erlin Annisa Yuzril Mahendra Zahira, Hasna Zen, Fatmawati