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All Journal IJTIHAD Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam Et-Tijarie: Jurnal Hukum dan Bisnis Syariah JURNAL ILMU PEMERINTAHAN qolamuna : Jurnal studi islam Morality :Jurnal Ilmu Hukum Jurnal Hukum Samudra Keadilan AT-TURAS: Jurnal Studi Keislaman DOKTRINA: JOURNAL OF LAW Justisia Ekonomika NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme JURNAL ILMIAH ADVOKASI Sakina: Journal of Family Studies Al Huquq : Journal of Indonesian Islamic Economic Law BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam Pamulang Law Review Journal of Islamic Law Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah YURISDIKSI : Jurnal Wacana Hukum dan Sains Al-Hilal: Journal of Islamic Astronomy Milkiyah: Jurnal Hukum Ekonomi Syariah Edukasia: Jurnal Pendidikan dan Pembelajaran Keris: Journal of Community Engagement Ummul Qura : Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan Nuris Journal of Education and Islamic Studies Al-Muzdahir: Jurnal Ekonomi Syariah Fastabiq: Jurnal Studi Islam RechtIdee Jurnal Media Akademik (JMA) Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga Nomos : Jurnal Penelitian Ilmu Hukum Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Pemuliaan Keadilan Journal of Islamic Economic Laws
Ahmad Musadad
Universitas Trunojoyo Madura
Religion Arts Humanities Astronomy Earth & Planetary Sciences Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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FIDUCIARY GUARANTEE IN SHARIA FINANCING: ANALYSIS OF HARMONY IN THE PRINCIPLES OF MAQOSID SHARIA Nur Sholikhah, Siti; cita devi, adinda rida; Azzahra, Nazwa; Amin, Sodiqul; Musadad, Ahmad
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 1 (2025): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i1.25903

Abstract

Fiduciary guarantees serve as a significant legal instrument in Sharia-based financing, particularly in securing the interests of financial institutions while facilitating access to credit for customers. However, their implementation often raises concerns regarding consistency with the core principles of Maqasid Sharia, which aim to preserve religion (din), life (nafs), intellect (‘aql), lineage (nasl), and wealth (mal). This study employs a quantitative descriptive method to analyze the extent to which fiduciary guarantees align with these principles, particularly in protecting assets just and balanced. Data were collected through structured questionnaires distributed to Sharia financial institutions and their customers, then analyzed to evaluate the compatibility of fiduciary mechanisms with Islamic values, especially fairness and the balance of rights and obligations. The findings suggest that while fiduciary guarantees have the potential to support asset protection by Sharia, several procedural and ethical aspects require further optimization to meet the objectives of Maqasid Sharia fully. This study is expected to provide insights that contribute to the refinement of Sharia financing practices and the development of legal frameworks in Indonesia.
KEDUDUKAN JAMINAN DALAM KONTRAK SYARIAH: KAJIAN NORMATIF TERHADAP AKAD IJARAH MUNTAHIYAH BITTAMLIK Widiana, Sri; Khasanah, Maulidatul; Fadhilah, Aula Nisa'ul; Kurniawan, Rangga Fajar; Musadad, Ahmad
Jurnal Ilmiah Advokasi Vol 13, No 2 (2025): Jurnal Ilmiah Advokasi
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jiad.v13i2.7126

Abstract

Collateral in the Ijarah Muntahiyah Bittamlik (IMBT) contract has an important role in providing legal certainty and protecting the rights of the parties involved. This research analyzes the position of collateral in IMBT from the perspective of Islamic law and regulations in Indonesia with a normative approach. Based on the study, collateral in IMBT can be in the form of temporary ownership by the renter or additional collateral to avoid default, as long as it is in accordance with sharia principles. Regulations in Indonesia, such as the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and the rules of the Financial Services Authority (OJK), have accommodated guarantees in IMBT to ensure compliance with Islamic law and provide legal protection for Islamic financial institutions and customers. This study also compares the application of guarantees in IMBT with other contracts, such as Musyarakah Mutanaqisah (MMQ), which shows differences in the legal aspects of guarantees. The results of this study aim to strengthen regulations and education for Islamic financial industry players so that the implementation of IMBT remains in accordance with sharia principles. Thus, the guarantee in the IMBT contract can increase public confidence in Islamic banking and strengthen the stability of the sharia-based economy.Keywords: Guarantee, Sharia Contract, Ijarah Muntahiyah Bittamlik.
KEDUDUKAN DAN TANGGUNG JAWAB PENJAMIN DALAM BORGTOCHT: TINJAUAN ATAS PERLINDUNGAN HUKUM BAGI PIHAK KETIGA Septiaji, Satriya Ardhi Dwi; Ar-Rosyida, Haizah; Alifah, Wardiati; Musadad, Ahmad
Jurnal Ilmiah Advokasi Vol 13, No 2 (2025): Jurnal Ilmiah Advokasi
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jiad.v13i2.7363

Abstract

Borgtocht or debt guarantee agreement is a form of personal guarantee that is accessory, as regulated in Articles 1820-1850 of the Civil Code. This study aims to analyze the legal position of the insurer and legal protection for third parties in the context of borgtocht agreements, especially in banking practices in Indonesia. The method used is a normative and comparative juridical approach with the Dutch legal system, where two forms of borgtocht are known: simple and solidarity. This study found that although borgtocht provides protection to creditors, its implementation still faces legal obstacles, especially in the condition of a bankrupt debtor. Legal protections for insurers such as subrogation rights and the principle of subsidiarity are often overlooked in practice. In the context of third parties, both the insurer's heirs, other creditors, and parties with an interest in the insurer's assets, the existing regulations do not provide adequate legal certainty. Therefore, regulatory reform and affirmation of agreement clauses are needed so that borgtocht can be implemented fairly and effectively.Keywords: borgtocht, insurer, third party, accessoir agreement, legal protection
The Role of Women in Reducing Radicalism Through Nahdlatul Ulama Organization Mustaniroh, Mustaniroh; Ibnu Soleh Al Mubarok, Muhamad; Musadad, Ahmad; Widitya Qomaro, Galuh; Pujiati, Tri
Jurnal Ilmu Pemerintahan : Kajian Ilmu Pemerintahan dan Politik Daerah Vol. 10 No. 1 (2025)
Publisher : Universitas Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/jip.10.2.2025.90-108

Abstract

The phenomena of radicalism considered as a trigger disturbing terrorism​ security and peace in Indonesia. History recorded that before 2016, women become passive perpetrator in terrorism. However, after 2016 until present, the women become active with amount participation increase sharply. Terrorist figures often want to carry out Islamic law with perfect so that often connected with method drastic violence, such as bomb kill themselves. This research has an effort to see the role of woman in activity of radicalism in Indonesia. This research has an objective to describe efforts made​ NU Muslim women in deradicalization radicalism in Indonesia. This research uses descriptive qualitative approach by using library research technique. The result of this study shows that Muslimat NU as one of the organization social religious the largest in Indonesia has role important for minimize hostility that occurred. Moreover, this study found that Muslimat NU uses approach education, culture, structural, and economic. Implementation from study show that the approach taken by NU Muslim women are able to strengthen unity in reducing radicalism in Indonesia.
Kinerja Keuangan Bank Muamalat melalui Pendekatan Islamicity Performance Index Zahro, Umi Indasyah; Musadad, Ahmad; Mustaniroh, Mustaniroh; Fajar, Fajar; Pujiati , Tri
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.1740

Abstract

This article evaluates the financial performance of Bank Muamalat Indonesia from 2022 to 2024 based on sharia principles using the Islamicity Performance Index (IPI) developed by Shahul Hameed. The purpose of this study is to measure the extent to which Bank Muamalat applies Islamic principles in its financial operations through six key indicators: Profit Sharing Ratio, Zakat Performance Index, Equitable Distribution Ratio, Director–Employee Welfare Ratio, Islamic Investment vs Non-Islamic Investment, and Islamic Income vs Non-Islamic Income. The study employed a qualitative descriptive method using documentation and literature review. The results indicate that the Profit Sharing Ratio has increased yearly, reflecting a strong commitment to Islamic profit-sharing principles. Conversely, the Zakat Performance Index shows a declining trend, suggesting a need for greater social responsibility. The ratio of income from halal sources remained high and stable, demonstrating compliance with Islamic financial norms. Meanwhile, the Equitable Distribution Ratio and Director–Employee Welfare Ratio fluctuated but remained within acceptable ranges. These findings indicate that, overall, Bank Muamalat's financial performance aligns with sharia compliance, although some areas require improvement. The IPI-based evaluation provides strategic insights for measuring and enhancing the sharia adherence of Islamic financial institutions.
The Role of Bahtsul Masail in Improving the Understanding of Jurisprudence of Santri at Manbaul Hikam Islamic Boarding School in Burneh Bangkalan Ahmad Musadad; Baihaqi, Baihaqi; Muttaqin Choiri; Tri Pujiati; Asmoi, Asmoi
NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam Vol. 11 No. 1 (2025): NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/nukhbah.v11i1.1883

Abstract

Discussion forums organized in Islamic boarding schools (pesantren) are one of the most effective means to support students’ understanding of scientific material in the yellow classical books (kitab kuning). Bahtsul masail is a typical religious discussion forum in the pesantren tradition, which is used to examine contemporary issues through a fiqih perspective. This research explores the role of bahtsul masail in improving the understanding of fikih among the santri of Pondok Pesantren Manbaul Hikam Burneh, Bangkalan. This study uses a qualitative approach with a descriptive method, involving observation, in-depth interviews, and documentation analysis as data collection techniques. The results show that bahtsul masail plays a significant role in deepening the fikih understanding of santri, especially in terms of the practical application of Islamic law. The intensive and collaborative discussions in bahtsul masail encourage santri to think critically and analytically on complex issues, which in turn strengthens their intellectual and religious skills. This study concludes that Bahtsul Masail is an important instrument in pesantren education that is effective in producing knowledgeable and insightful santri. This study gives implication that bahtsul masail as the main learning method that not only encourages the improvement of santri's knowledge in religious sciences, but also develops their skills in scientific and religious argumentation through interactive and collaborative discussions.
The Role of The Taysir Manhaji Method in The Development of Islamic Economic Law in Indonesia Through DSN-MUI Fatwas Musadad, Ahmad; Baihaqi; Nasik, Khoirun; Khazin, A. Mufti; Syaifudin, Mochamad
Journal of Islamic Economic Laws Vol. 8 No. 01 (2025): January
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v8i01.7607

Abstract

This study examines the role of the taysir manhaji method in the development of Islamic economic law in Indonesia through the fatwas of the National Sharia Council–Majelis Ulama Indonesia (DSN-MUI). Taysir manhaji refers to a methodological approach that facilitates legal decision-making with ease and flexibility, allowing Islamic legal rulings to adapt to changing economic realities. By applying fiqh principles, DSN-MUI has issued fatwas addressing contemporary financial practices, including wadiah, mudarabah, currency exchange, and Islamic hedging. This research employs a qualitative approach, combining document analysis and interviews to explore the practical implementation of taysir manhaji in DSN-MUI fatwas. The findings reveal that this method serves as a bridge between classical fiqh and modern financial practices while upholding maqasid al-shari‘ah (the objectives of Islamic law). Its flexibility enables practical solutions, as exemplified by DSN-MUI fatwas No. 1, 5, 18, and 22, without compromising fundamental Islamic legal principles. The study underscores the taysir manhaji method's significant contribution to the evolution of Islamic economic law, demonstrating its ability to accommodate modern economic demands while preserving the integrity of shari‘ah principles. Furthermore, it highlights the necessity of adaptability in Islamic legal thought to address the complexities of the global economic landscape.
Cessie, Subrogasi, dan Hawalah: Kajian Perbandingan Peralihan Hak dalam Hukum Perdata dan Hukum Islam: Cessie, Subrogation, and Hawalah: Comparative Study of Transfer of Rights in Civil Law and Islamic Law Asisah, Siti Nur Asisah; Nuzulul Unsiyah; Ach. Iskandar Daul Kurnain; Nia Amelia; Ahmad Musadad
BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam Vol. 6 No. 2 (2025): BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/bustanul.v6i2.2066

Abstract

The development of collateral law in Indonesia continues to undergo transformation to adapt to the dynamics of the national economy. This study aims to compare three mechanisms for the transfer of collection rights, namely cession, subrogation, and hawalah, from the perspective of civil law and Islamic law and analyze their implications for banking practices and financial transactions. This study uses a qualitative method of normative approach with comparative analysis, through a study of the Civil Code, Islamic legal literature, and related banking regulations. The results of the study indicate that cession is regulated in Article 613 of the Civil Code as the transfer of collection rights through an authentic deed or a private deed with notification to the debtor; subrogation is regulated in Article 1400 of the Civil Code as the transfer of creditor rights to a third party who pays off the debt; Meanwhile, hawalah in Islamic law is a transfer of debt based on sharia principles and is recognized in Islamic banking practices. The similarities between the three lie in the function of transferring collection rights, but differ in the legal basis, formal requirements, and underlying principles. The main focus of this research is to systematically compare the three mechanisms, namely cession, subrogation, and hawalah, in a comprehensive comparative analysis and examine their implications for banking practices and national financial regulations. Thus, this research is expected to enrich the academic literature in the fields of civil law and Islamic law and provide practical contributions to regulators and banking practitioners in formulating adaptive policies in accordance with sharia principles.
Efektifitas Hukum Jaminan dalam Hipotik Sektor Maritim: Studi Terhadap Kepastian Hukum dalam Perjanjian Kapal dan Property Mamay Nilam Sari; Ainur Rohmah; Wasilul Arham; barok, lana; Ahmad Musadad
DOKTRINA: JOURNAL OF LAW Vol. 8 No. 2 (2025): Doktrina:Juornal of Law Oktober 2025
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/doktrina.v8i2.14412

Abstract

This research discusses the implementation of ship mortgages within the Indonesian legal system, the legal certainty in ship mortgage agreements, regulatory challenges and alternative solutions, as well as the concept of security law in the maritime sector. A normative juridical method is employed in this study, utilizing statutory and comparative legal approaches. The findings indicate that the legal framework governing ship mortgages in Indonesia still contains several weaknesses, particularly in terms of legal certainty and the effectiveness of security enforcement. One of the primary issues is the absence of an integrated registration system, which creates difficulties in tracking the legal status of ships used as collateral. Additionally, the procedures for enforcing ship mortgages remain complex and time-consuming, often leading to uncertainty for creditors. A more comprehensive regulatory reform is needed to enhance the effectiveness of the maritime security law system. Harmonizing national regulations with international standards, strengthening the ship mortgage registration system, and improving the capacity of judicial institutions to handle maritime mortgage disputes are among the measures that can be taken. With such reforms, it is expected that a more effective legal system can be established-one that ensures the rights of creditors while also providing protection for debtors.
Konsep Business Judgement Rule dalam Perspektif Maṣlaḥah Mursalah: The Concept of Business Judgement Rule in the Perspective of Maṣlaḥah Mursalah Anisatur Rohmah; Ahmad Musadad
NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam Vol. 9 No. 2 (2023): NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/nukhbah.v9i2.1140

Abstract

This research aims to analyze the benefits of implementing the Business Judgment Rule concept when viewed from the perspective of maṣlaḥah murlah. The method used in this research is a qualitative research method with a normative juridical approach which makes the law the center of its study with the aim of providing legal arguments as a basis for whether the application of the Business Judgment Rule doctrine can be detrimental or not if viewed from the perspective of maṣlaḥah murlah which is then processed. into descriptive analysis. The results of this research show that the concept of the Business Judgment Rule doctrine is a concept that provides information to company directors regarding business decisions by considering various factors, namely the existence of good faith, prudence and accountability. Apart from that, the Business Judgment Rule doctrine has been widely used in several cases, especially in Indonesia. This means that the Business Judgment Rule doctrine, if seen from the maṣlaḥah murlah's point of view, does indeed bring benefits to the point of being a reference in a trial, even though in its implementation there is still a lack of socialization and education regarding the Business Judgment Rule doctrine within the scope of institutions or law enforcement officials.
Co-Authors Abd. Rosid Ach. Iskandar Daul Kurnain Adib Mohammad Zahruddin Adiyono Ainur Rohmah Akmalurrozi, Akmalurrozi Alifah, Wardiati Amin, Sodiqul Andianita Nur Ilahiyah Anisatur Rohmah Anisatur Rohmah Ar-Rosyida, Haizah Arofa Asisah, Siti Nur Asisah Asmoi, Asmoi Azzahra, Nazwa barok, lana cita devi, adinda rida Dewi Masitoh Dian Agustin Esa Nurlaili Fadhilah, Aula Nisa'ul Fajar Fajar Fajar Fauzi, Alfa Zaidanil Fazil Mubaarokah Fenni Rahmawati Fina Ainun Jazilah Galuh Widitya Qomaro Hatta, Moh. Holis Holis, Holis Husni Mubarok Ianatus Sholeha Ibnu Soleh Al Mubarok, Muhamad Imamuddin, Imamuddin Imron, Yusuf Maulana Jannah, Fina Zharotul Jannah, Zeinaful Khasanah, Maulidatul Khazin, A Mufti Khazin, A. Mufti Khoiril Anam, Khoiril Khoirun Nasik KHOLIFAH Kumala DS, Agustina Kurniawan, Rangga Fajar Lailah, Nur MAIMUNA Mamay Nilam Sari MOCHAMAD SYAIFUDIN Mochamad Syaifudin, Mochamad Moh Basri Moh. Hipni Mufidah, Imroatin Muhammad Solikhudin, Muhammad Mustaniroh Mustaniroh, Mustaniroh Muttaqin Choiri Nahidloh, Shofiyun Nazzamuzzaman, Muhammad Nia Amelia Nur Sholikhah, Siti Nur, Nur Hayani Nuzulul Unsiyah Prasetya, Rizky Eka Pujiati , Tri Pujiati, Tri Raharjo, Jovixa Zachmazzick Satrio Ramdlany, Ahmad Agus Risa Umami Rodiyah, Nur ROSYADI ZA, DEDE RR. Ella Evrita Hestiandari Safiqoh, Lailatus Saidah, Nafisatus Septiaji, Satriya Ardhi Dwi Setiawan, Firman Shafwah, Yoeand Nadziifah sherly, Sherly Dwi Lestari Simun, Mahtumridho Ghufron bin Siti Rohmatul Ilahiya Solifah, Siti Suris, Nabila Syamsi, Achmad Badarus Syamsi, Ahmad Badarus Syamsuri Taufiqur Rahman Titik TriwulanTutik Tri Pujiati Ubay, Zubaidil Akbar Vramo, Bagas Novanda Waradatun Nafi’ah Wasilul Arham Widiana, Sri Zahro, Umi Indasyah