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All Journal Laa Maisyir Jurnal Ekonomi Islam AL QUDS : Jurnal Studi Alquran dan Hadis Kuriositas: Media Komunikasi Sosial dan Keagamaan International Journal of Health, Economics, and Social Sciences (IJHESS) Banco: Jurnal Manajemen dan Perbankan Syariah Dharma Pengabdian Perguruan Tinggi (DEPATI) Jurnal Indonesia Sosial Sains Al-Iftah: Journal of Islamic studies and society Agency Journal of Management and Business
Mukhtar Yunus
Institut Agama Islam Negeri Parepare
Religion Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Public Health Social Sciences Other

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Interpretation of Qur'anic Economics with a Thematic Interpretation Approach in Overcoming Digital Debt and Dependence on Controversial Online Financial Services on E-Economy Platforms Mukhtar Yunus
Journal AGENCY Vol. 3 No. 2 (2023): July 2023
Publisher : Pustaka Digital Indonesia

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Abstract

Digital transformation has revolutionized the global economic landscape, including in Indonesia, with the emergence of e-economy platforms providing online financial services such as pay later, buy now pay later (BNPL), and peer-to-peer lending. Although this technology offers easy access to capital and consumption, the phenomenon of digital debt and reliance on controversial online financial services has become a serious threat to public welfare. Many users, especially the younger generation and the lower-middle class, are trapped in a debt spiral that is difficult to break due to predatory lending practices, high interest rates, and psychological mechanisms deliberately designed to create dependency. In this context, this paper examines the potential interpretation of Qur'anic economics through a thematic exegesis (thematic interpretation) approach as an ethical and theological foundation to address digital debt issues. This study is a library research with a qualitative approach that analyzes Qur'anic verses related to economics, debt, and consumptive behavior using the thematic exegesis method. The results indicate that the Qur'an provides a comprehensive ethical framework encompassing the principles of justice in transactions (al-'adl), the prohibition of usury (al-riba), responsible debt management, as well as the concepts of qana'ah (contentment) and islah (balance) which can serve as the foundation for digital financial regulation and literacy. These findings offer a theoretical contribution to the development of the digital Sharia economy and provide policy recommendations for regulators, fintech platforms, and the public in facing contemporary e-economy challenges.
Interpretation of Qur'anic Economics Using a Thematic Interpretation Approach in Overcoming Increasing Social and Economic Inequalities in Indonesia Mukhtar Yunus
Journal AGENCY Vol. 4 No. 2 (2024): July 2024
Publisher : Pustaka Digital Indonesia

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To address the widening socio-economic disparity in Indonesia in 2024, this study examines the economic interpretation of the Qur'an using thematic exegesis techniques. Qur'anic verses related to ownership, wealth distribution, zakat, infaq, almsgiving (sedekah), and the prohibition of usury (riba) and monopolistic behavior are comprehensively analyzed through a qualitative research method with a thematic interpretation approach. Secondary data for the 2024 period are sourced from recent scientific literature, the Indonesian Central Bureau of Statistics (BPS), Bank Indonesia, and the Ministry of Finance, alongside textual analyses of the Qur'an and Hadith. The research findings indicate that Indonesia's economic disparity increased significantly in 2024, with the Gini coefficient rising to 0.384 and the expenditure ratio between the top 20% wealthiest population and the bottom 40% poorest population climbing to 2.37. Based on the thematic exegesis approach, the Qur'anic economic concept emphasizes distributive justice, poverty reduction, and public economic empowerment through the instruments of zakat, infaq, almsgiving, and waqf (ZISWAF). This study concludes that mitigating socio-economic disparity and achieving equitable wealth distribution in Indonesia can be realized through the systematic implementation of Qur'anic economic principles within fair fiscal and monetary policies.
Co-Authors A. Rio Makkulau Wahyu Achmad Abubakar Agus Muchsin Al Maidah Nur Andi Bahri S Hannani Mahsyar Idris Muh. Yusuf Muhammad Jabbarul Qubra Muhammad Kamal Zubair Muzdalifah Muhammadun Purwoko, Agus Rahmawati RAHMAWATI RAHMAWATI Rahmawati, Rahmawati Rifdaningsi, Rifdaningsi Rusdaya Basri, Rusdaya Soalehuddin Tri Astuti Tri Astuti Umaima WIRANI AISYAH ANWAR, WIRANI AISYAH Zainal Said Zainal Said