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Praktik Reksadana Online Syariah pada Aplikasi Bibit dalam Tinjauan Hukum Islam Diky Faqih Maulana; Abdul Rozak
Kodifikasia: Jurnal Penelitian Islam Vol 15, No 2 (2021)
Publisher : IAIN PONOROGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/kodifikasia.v15i2.2690

Penelitian ini bertujuan untuk menganalisis praktik reksadana online syariah pada aplikasi Bibit dalam tinjauan hukum Islam. Penelitian ini bersifat deskriptif analisis dengan pendekatan normatif yang mendasarkan nash dan ijtihad para ulama sebagai upaya pemberian norma terhadap objek penelitian. Hasil penelitian menunjukkan bahwa secara keseluruhan, praktik reksadana online syariah pada aplikasi Bibit sudah sama dengan DSN Nomor 20/DSN-MUI/IV/2001 tentang pedoman pelaksanaan investasi untuk reksadana syariah. Dilihat dari fikih muamalat, juga telah memenuhi unsur dan syarat akad berupa para pihak, ijab dan kabul, objek akad dan tujuan akad. Transaksi dalam Bibit telah memenuhi beberapa asas akad seperti prinsip kesamaan (mabda’ at-tawazun fi a-mu’awadah), prinsip kebaikan dan prinsip dapat dipercaya. Adanya pengawasan oleh Dewan Pengawas Syariah dalam sistem tata kelola syariah (shariah governance) dan OJK yang mengevaluasi setiap 6 bulan terhadap Daftar Efek Syariah. Batasan Bibit terhadap maksimal rasio utang aset perusahaan sebesar 45%, penerapan prinsip Socially Responsible Investment (SRI), gratis biaya transfer, gratis biaya komisi, bebas pajak, bisa menambah atau mencairkan dana kapan saja merupakan suatu implementasi maqashid as-syariah. Namun perlu dievaluasi kembali terkait bank kustodian yang masih memakai bank konvensional atau non syariah. [This study aims to analyze the practice of sharia online mutual funds in the Bibit application in Islamic law review. This research is a descriptive analysis with a normative approach based on the texts and ijtihad of the Ulama as an effort to give norms to the object of research. The results showed that overall, the practice of sharia online mutual funds in Bibit application was in accordance with the DSN Fatwa Number 20/DSN-MUI/IV/2001 regarding the guidelines for implementing investments for Islamic mutual funds. Judging from the muamalat fiqh, it has also fulfilled the elements and conditions of the contract in the form of the parties, agreement , the object of the contract and the purpose of the contract. Transactions in Bibit have fulfilled several contractual principles such as the principle of balance (mabda' at-tawazun fi a-mu'awadah), the principle of benefit and the principle of mandate. There is supervision by the Sharia Supervisory Board in the sharia governance system and OJK which evaluates every 6 months the Sharia Securities List. The limit of seeds to the maximum debt ratio of company assets is 45%, the application of the principles of Socially Responsible Investment (SRI), free transfer fees, free commission fees, tax free, being able to add or withdraw funds at any time is an implementation of maqashid as-sharia. However, it needs to be re-evaluated regarding custodian banks that still use conventional or non-Islamic banks.]

Analisis Fatwa DSN MUI Mengenai Pembiayaan Multijasa dengan Akad Ijarah pada BMT Diky Faqih Maulana; Abdul Rozak
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 13, No 1 (2021): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v13i1.2179

Kehadiran BMT membantu masyarakat kalangan menengah kebawah yang tidak terjangkau oleh perbankan. Salah satu pelayanan masyarakat yang ditawarkan BMT yakni pembiayaan ijarah multijasa. Lembaga Keuangan Syariah yang mengeluarkan pembiayaan multijasa dengan akad ijarah harus mengikuti ketentuan Fatwa DSN-MUI Nomor 09/DSN-MUI/IV/2000 tentang pembiayaan ijarah. Ditetapkannya fatwa tersebut, pasti berawal dari sebuah latar belakang dan alasan-alasan penting. Selain itu, proses ijtihad yang dilakukan oleh DSN-MUI dalam menetapkan fatwa di atas juga menarik untuk dikaji. Berangkat dari hal tersebut, perlu kiranya dilakukan kajian analisis terhadap fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) Nomor 09/DSN-MUI/IV/2000 tentang ijarah dan dampaknya pada Baitul Maal Wattamwil (BMT). Penelitian ini merupakan penelitian kualitatif yang bersifat studi pustaka. Hasil penelitian menunjukkan bahwa fatwa DSN-MUI No.09/DSN-MUI/IV/2000 mengharuskan BMT menyediakan barang yang disewakan atau jasa yang dimiliki dan dilakukan oleh pihak BMT, bukan jasa yang dimiliki oleh pihak lain. Terkait objek akad, belum ada penegasan dalam Fatwa DSN No. 44/DSN-MUI/VII/2004 tentang Pembiayaan Multijasa maupun fatwa tentang ijarah. Karena menurut Al-Kasani, dalam persewaan tidak dapat diterapkan pada uang, begitu pula ketentuan ijarah tidak mengatur secara jelas objeknya. Hal ini melahirkan perbedaan persepsi bagi BMT terkait objek ijarah dan rentan adanya pembiayaan dalam bentuk modal. Ketentuan ujrah dalam Fatwa disebutkan bahwa besarnya harus disepakati di awal dan dinyatakan dalam bentuk nominal bukan dalam bentuk prosentase, namun dalam praktiknya banyak BMT yang menerapkan ujrah dalam satuan prosentase. Kata Kunci: Fatwa DSN-MUI, Pembiayaan Ijarah Multijasa, BMT.

Penundaan Perkawinan dalam Perspektif Fath Adz-Dzari’ah dan Sadd Adz-Dzari’ah: Studi Kasus di Desa Leteh, Kecamatan Rembang, Kabupaten Rembang Abdul Rozak; Ihda Shofiyatun Nisa'; Arif Sugitanata
The Indonesian Journal of Islamic Law and Civil Law Vol 1 No 1 (2020): April
Publisher : Institut Agama Islam Nahdlatul Ulama Tuban

Artikel ini berusaha menjelaskan bagaimana alasan-alasan dari masyarakat di Desa Leteh Kecamatan Rembang, Kabupaten Rembang menunda perkawinannya dalam kacamata sadd adz-dzari’ah dan fath adz-dzari’ah. Dengan melakukan wawancara secara mendalam terhadap lima belas orang yang telah memilih untuk menunda perkawinan mereka. Hasil penelitian ini menunjukkan bahwa ketidakbolehan atau kebolehan penundaan perkawinan dapat digambarkan melalui pertimbangan sadd adz-dzari’ah (yang mengarah pada kerusakan) dan fath adz-dzari’ah (yang mengarah pada kebaikan dan kemaslahatan). Penundaan perkawinan karena alasan ekonomi atau untuk menemukan pasangan yang sesuai dengan harapan dapat dianggap sebagai fath adz-dzari’ah karena hal ini dianggap sebagai langkah bijak untuk menghindari kerusakan dalam rumah tangga. Namun, penundaan perkawinan karena pengalaman kegagalan atau perasaan bahagia tanpa perkawinan dapat dianggap sebagai sadd adz-dzari’ah karena hal ini dapat mengarah pada ketidaksempurnaan hidup dan kesendirian di masa tua.

Demystifying Political Hate Speech Detection: An Explainable Artificial Intelligence Audit of Transformer and Linear Models Aulia Miftah Razak; Shofwatul Uyun; Abdul Rozak
Journal of Innovation Information Technology and Application (JINITA) Vol 8 No 1 (2026): JINITA, June 2026
Publisher : Politeknik Negeri Cilacap

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35970/jinita.v8i1.3205

The rise of political hate speech on social media calls for detection systems that are not only accurate but also transparent to avoid moderation bias. Although Transformer models achieve high performance, their “black box” nature creates the risk of a “false sense of security” in content moderation, where high accuracy can mask systemic bias. This study aims to transparently audit the decision-making mechanisms of a lexical-feature-based Support Vector Machine (SVM) model and a contextual-representation-based IndoBERT model using an Explainable AI (XAI) approach via the LIME method. Experimental results show that IndoBERT significantly outperforms SVM with a Macro-F1 score of 90.8% versus 84.0%. However, the XAI audit revealed the presence of data-driven bias in both models toward specific political entities such as “Jokowi,” “Prabowo,” “cebong,” and “kampret,” which often trigger negative labels automatically without a comprehensive contextual review. These findings underscore that transparency audits through XAI serve as a crucial bridge for building a content moderation system that is fair, accountable, and capable of protecting freedom of expression within the digital democratic ecosystem.

ECONOMIC DETERMINANTS OF DIVORCE IN KUDUS REGENCY: A SOCIO-JURIDICAL ANALYSIS OF ISLAMIC FAMILY LAW Izzul Mutho`; Abdul Rozak; Muhammad Rizal Khoirul Umam3
USRAH: Jurnal Hukum Keluarga Islam Vol. 7 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/17arn337

Divorce cases in Kudus Regency show a worrying upward trend, primarily driven by economic factors. Economic hardship contributes significantly to the annual increase in divorce cases. This study examines the high divorce rate in Kudus Regency with a specific focus on analyzing economic factors as the main determinant. This research employs a qualitative field study method with a socio-juridical approach, collecting data through interviews, observations, and analysis of case documents at the Kudus Religious Court. The findings delineate two categories of economic causes: internal factors (husband's failure to provide support, debt burden, and wife's excessive demands) and external factors (slowdown in the raw material processing industry leading to unemployment and unstable income). The study concludes that economic factors are a critical determinant of divorce in Kudus. The findings contribute significantly to the discourse of Islamic family law by proposing that strengthening household economic resilience is a crucial policy recommendation for divorce prevention.

Apostasy as a Factor Causing the Dissolution of Marriage in the Compilation of Islamic Law: An Analysis from the Perspectives of Classical and Modern Texts Riadatul Muhimmah; Abdul Rozak; Izzul Mutho
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.2883

In classical literature studies, when one spouse apostatizes, two types of rulings are made. The first ruling states that their marriage is immediately annulled, which is generally found in the books of the Hanafi and Maliki schools. The second ruling demands that the couple divorce, which is more commonly found in the books of the Shafi‘i and Hambali schools. Although these two opinions appear different, the general consensus in classical literature is that the marriage is considered dissolved (furqah). Modern legal texts tend to agree with the contents of these classical texts. In the Compilation of Islamic Law, there are two articles that regulate apostasy in the context of marriage, namely Article 75 and Article 116. Article 75 implicitly indicates that the act of apostasy results in the annulment of the marriage, but Article 70 does not mention apostasy as a reason for the annulment of marriage. Meanwhile, Article 116 does not list apostasy as a reason for divorce, except when there is discord within the household. This seems contradictory, considering the Explanation of the Compilation of Islamic Law mentions that the material on marriage law is sourced from 38 fiqh books, including 13 books from the Shafi‘i school. This research is a normative legal study with a conceptual approach. Based on the research conducted, the author concludes that Article 75, which implicitly states that apostasy causes the annulment of marriage, aligns with some classical and modern fiqh texts. However, Article 116, which regulates reasons for divorce, does not align with classical and modern fiqh texts, as in these books, apostasy as a reason for divorce does not require discord within the household.

Penundaan Perkawinan dalam Perspektif Fath Adz-Dzari’ah dan Sadd Adz-Dzari’ah: Studi Kasus di Desa Leteh, Kecamatan Rembang, Kabupaten Rembang Abdul Rozak; Ihda Shofiyatun Nisa'; Arif Sugitanata
The Indonesian Journal of Islamic Law and Civil Law Vol 1 No 1 (2020): April
Publisher : Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jaksya.v1i1.141

Artikel ini berusaha menjelaskan bagaimana alasan-alasan dari masyarakat di Desa Leteh Kecamatan Rembang, Kabupaten Rembang menunda perkawinannya dalam kacamata sadd adz-dzari’ah dan fath adz-dzari’ah. Dengan melakukan wawancara secara mendalam terhadap lima belas orang yang telah memilih untuk menunda perkawinan mereka. Hasil penelitian ini menunjukkan bahwa ketidakbolehan atau kebolehan penundaan perkawinan dapat digambarkan melalui pertimbangan sadd adz-dzari’ah (yang mengarah pada kerusakan) dan fath adz-dzari’ah (yang mengarah pada kebaikan dan kemaslahatan). Penundaan perkawinan karena alasan ekonomi atau untuk menemukan pasangan yang sesuai dengan harapan dapat dianggap sebagai fath adz-dzari’ah karena hal ini dianggap sebagai langkah bijak untuk menghindari kerusakan dalam rumah tangga. Namun, penundaan perkawinan karena pengalaman kegagalan atau perasaan bahagia tanpa perkawinan dapat dianggap sebagai sadd adz-dzari’ah karena hal ini dapat mengarah pada ketidaksempurnaan hidup dan kesendirian di masa tua.

Mediation Based On Maqashid Syariah: A Dynamic Solution To Marital Conflicts In Indonesia Izzul Mutho`; Abdul Rozak
Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Vol. 5 No. 4 November 2026: Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/jipsi.v5i4.1683

Marriage conflict remains a critical challenge at the South Jakarta Religious Court, a high-volume urban jurisdiction where conventional mediation often fails to yield sustainable outcomes. This study examines the operationalization, effectiveness, and implementation barriers of Maqashid Syariah-based mediation as an adaptive alternative for modern family dispute resolution. Employing a descriptive qualitative design, data were gathered through in-depth interviews with 15 key informants (judges, certified mediators, disputing couples, and legal experts), non-participatory observations of live caucus sessions, and documentary analysis of court settlement deeds (Akta Perdamaian) under PERMA No. 1 of 2016. The findings reveal that Maqashid Syariah is practically operationalized through caucus strategies that prioritize child welfare (hifzh al-nasl) and financial equity (hifzh al-mal), shifting mediation from rigid procedural compliance toward substantive justice. Couples undergoing this approach reported higher post-mediation satisfaction and lower post-divorce litigation rates. However, implementation is constrained by the absence of specialized Maqashid-based mediator training modules and unintegrated court guidelines. This study contributes an empirical framework that operationalizes abstract Islamic legal philosophy into concrete court-annexed mediation practices, offering policy recommendations for judicial reform in Indonesia.

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