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الحيل وتطبيقاتها في المعاملات المالية المعاصرة بيع الوفاء نموذجا (دراسة فقهية تحليلية لفتوى الهيئة الشرعية الوطنية لمجلس العلماء الإندونيسي ومجمع الفقه الإسلامي الدولي بشأن اتفاقية إعادة الشراء (الريبو) كتطبيق بيع الوفاء المعاصر) Ridwan Agustiawan; Trisiladi Supriyanto; Hari Susanto
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 3 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i3.6658

Abstract

This study aims to analyze ḥiyal within the framework of contemporary financial transactions, with a focus on bayʿ al-wafā as an applied model. It also sheds light on the fatwas issued by the National Sharia Board of the Indonesian Council of Ulama (DSN-MUI) and the International Islamic Fiqh Academy (IIFA) regarding repurchase agreements as a contemporary application of bayʿ al-wafā . The research adopts an inductive, analytical, and comparative methodology. The study concluded with several key findings, most notably that the disagreement among jurists regarding the use of ḥiyal is primarily verbal. They unanimously agree on the criterion by which ḥiyal is classified as permissible or impermissible: its alignment or conflict with the principles of Islamic law. The disagreement lies in categorizing specific cases under either category, which varies from one case to another. Additionally, the study found that repurchase agreements closely resemble bayʿ al-wafā with no significant differences between them. Both transactions, in reality, represent interest-bearing loans riba , as the sales and purchases involved are not genuine. Thus, they are prohibited because they serve as a stratagem to circumvent riba. The study further highlights that both the National Sharia Board (DSN-MUI) and the International Islamic Fiqh Academy (IIFA) agree on the necessity of aligning repurchase agreements with the principles of Islamic law. However, they differ in their rulings. The DSN-MUI permits such agreements, provided they adhere to specific conditions outlined in its fatwa, while the IIFA prohibits them, considering them transactions tainted with riba ambiguity. The primary difference lies in the methodology of ijtihad and the application of Shariah principles within the context of repurchase agreements.
Regulatory Compliance and Islamic Business Ethics in Umrah Administration: Rethinking the Centrality of Pilgrim Protection Mahmudi Affan Rangkuti; Hendri Tanjung; Indupurnahayu Indupurnahayu; Trisiladi Supriyanto
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v12i1.10654

Abstract

Purpose:This article rethinks pilgrim protection as the normative core of Umrah administration by examining whether regulatory compliance and Islamic business ethics function as an integrated governance framework or remain disconnected in practice. It positions pilgrim welfare, financial security, and spiritual integrity as the primary criteria for assessing the legitimacy of Umrah services.Design/Methodology:The study employs a qualitative socio-legal approach combined with normative ethical analysis. It examines Indonesia’s regulatory framework for Umrah administration and the operational role of digital oversight systems as instruments of monitoring and reporting. Compliance is interpreted through maqasid-oriented principles of Islamic business ethics, drawing on regulatory provisions and documented patterns of administrative problems to evaluate protection outcomes.Findings:The findings indicate persistent structural weaknesses in compliance quality and fragmented oversight, reflected in recurring issues such as system misuse and cases of pilgrim abandonment. These patterns demonstrate that procedural compliance does not automatically translate into substantive pilgrim protection. While strengthening data-driven supervisory systems is necessary, it remains insufficient without robust internal compliance capacity and accountable service standards.Practical Implications:This article offers a protection-centered analytical framework that bridges legal compliance theory and Islamic business ethics by reframing pilgrim protection as measurable governance substance rather than a symbolic commitment. It contributes a conceptual shift from form-based compliance to outcome-oriented ethical accountability in faith-based service administration.Originality/Value:The study recommends integrating sharia-compliance guidance into digital oversight mechanisms, strengthening transparency and public accountability, and developing fair dispute-resolution procedures to realign industry incentives with effective pilgrim protection and public trust.
Regulatory Compliance and Ethical Governance in Umrah Services: Assessing Pilgrim Protection in Indonesia Mahmudi Affan Rangkuti; Hendri Tanjung; Indupurnahayu; Trisiladi Supriyanto
Journal of Advanced Sciences and Mathematics Education Vol. 6 No. 2 (2026): Journal of Advanced Sciences and Mathematics Education
Publisher : CV. FOUNDAE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58524/jasme.v6i1.1059

Abstract

Background: The governance of Umrah services in Indonesia formally emphasizes sharia compliance and regulatory control as mechanisms for protecting pilgrims. However, recurring problems in service delivery suggest a gap between procedural compliance and the substantive protection expected within religious service administration. Aims: This study aims to examine how regulatory compliance and ethical governance influence the protection of Umrah pilgrims in Indonesia by assessing whether existing governance mechanisms provide substantive protection or remain limited to procedural compliance. Method: The study adopts a normative–empirical approach by examining statutory regulations, policy instruments, and supervisory mechanisms governing Umrah services. These regulatory frameworks are analyzed alongside institutional documents and implementation records to assess how compliance mechanisms operate in practice. Results: The findings indicate that pilgrim protection is predominantly pursued through procedural mechanisms such as licensing systems, administrative reporting, and digital monitoring platforms. Nevertheless, these instruments do not consistently produce strong and enforceable protection across the Umrah service chain. In many cases, sharia compliance functions primarily as formal adherence to regulatory requirements rather than as an ethical commitment to safeguarding pilgrims’ rights and service reliability. Conclusion: The study concludes that effective pilgrim protection requires a shift from procedural compliance toward ethical governance and substantive regulatory accountability. Strengthening institutional compliance mechanisms and integrating ethical principles into regulatory supervision are essential for ensuring that sharia compliance functions as a meaningful instrument of protection rather than merely an administrative standard.
Beyond Income: Religiosity as a Driver of Waqf Intention among Muslim Millennials and Generation Z Nuradi; Hendri Tanjung; Nurul Huda; Trisiladi Supriyanto
Al Qodiri : Jurnal Pendidikan, Sosial dan Keagamaan Vol. 24 No. 2 (2026): Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Publisher : Universitas Islam KH. Achmad Muzakki Syah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/alqodiri.v24i2.76

Abstract

Waqf has emerged as an increasingly important instrument within Islamic social finance due to its potential to promote sustainable social welfare and support long-term socio-economic development. Despite the growing innovation in waqf management and digital philanthropic platforms, participation among Millennials and Generation Z remains relatively limited. This study aims to examine the influence of religiosity on waqf intention and to investigate whether income moderates this relationship among Muslim Millennials and Generation Z in Indonesia. A quantitative cross-sectional survey design was employed, involving 280 valid respondents selected through convenience sampling. Data were collected using a structured questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results indicate that religiosity has a strong and significant positive effect on waqf intention (β = 0.854, p < .001), confirming that religious commitment is a major driver of Islamic philanthropic behavior among younger Muslims. In contrast, income has no significant direct effect on waqf intention (β = −0.025, p = .435) and does not moderate the relationship between religiosity and waqf intention (β = −0.018, p = .554). The structural model demonstrates substantial explanatory power, accounting for 72.9% of the variance in waqf intention (R² = .729). These findings suggest that waqf intention among Millennials and Generation Z is primarily shaped by internalized religious values rather than economic capacity. The study contributes to the literature on Islamic social finance by highlighting religiosity as an independent motivational driver and provides practical insights for waqf institutions to develop value-based engagement strategies tailored to younger generations.
Analysis Of Waqf Fundraising Strategies At Masjid Al-Hidayah BCV: An Analytical Hierarchy Process Approach Study Sulaeman Yasir; Qurroh Ayuniyyah; Trisiladi Supriyanto
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i2.2273

Abstract

In practice, waqf (Islamic endowment) in Indonesia faces many difficult challenges, as it is generally known as unproductive waqf. Cash waqf has the potential to not only serve as a religious ritual but also to empower public welfare. This study aims to identify the priority factors that hinder the development of cash waqf practices at Al-Hidayah BCV Mosque using the Analytic Hierarchy Process (AHP) method, as well as to offer solutions for the identified issues. The research findings indicate that the problems in managing cash waqf at Al-Hidayah BCV Mosque are divided into four key aspects: Human, Trust, System, and Economic. The ranking of issues from highest to lowest priority is: 1) Human (with the highest priority sub-criterion: Human Resources); 2) Trust (with the highest priority sub-criterion: Commitment); 3) System (with the highest priority sub-criterion: Innovation); 4) Economic (with the highest priority sub-criterion: Funding). The solutions to these issues, based on priority, are: 1) Human (with the highest priority sub-criterion: Leadership); 2) Trust (with the highest priority sub-criterion: Transparency); 3) System (with the highest priority sub-criterion: Legal Entity); 4) Economic (with the highest priority sub-criterion: Collaboration). The strategies for these issues, based on priority, are: 1) Partnership (with the highest priority sub-criterion); 2) Strong Message (with the second highest priority sub-criterion); 3) Program Variation (with the third highest priority sub-criterion); 4) Reward (with the lowest priority sub-criterion).
The Impact Of Zakat Distribution On Achieving Prosperity (A Case Study Of Baznas Bogor) Sitti Qadryani; Qurroh Ayuniyyah; Trisiladi Supriyanto
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i2.2275

Abstract

Zakat is not merely about addressing the short-term needs of mustahik, particularly the poor, but aims to provide sustainable welfare by addressing the root causes of poverty. The success of zakat distribution is often reflected in improvements in mustahik welfare, such as enhanced business performance, fulfillment of daily needs, better health, and access to education. This study examines the zakat distribution programs and their impact on mustahik welfare, focusing on 76 mustahik respondents in Bogor Regency through a quantitative approach using simple linear regression analysis. The findings highlight BAZNAS Bogor Regency's programs, including Bogor Taqwa, Healthy Bogor, Smart Bogor, Bogor Cares, and Bogor Prosperous. The results show that zakat distribution has a significant positive impact on mustahik welfare, with a significance value below 0.05 and an R-squared value of 0.3212, indicating that 32.12% of the variations in mustahik welfare can be attributed to zakat distribution, while the remaining 67.88% is influenced by other factors outside the research model.
Analysis Of The Implementation Of Sharia Hospital In Bogor City Based On DSN MUI Law And Fatwa : (Case Study Of Bogor Islamic Hospital) Nila Ayu Kusumadewi; Hendri Tanjung; Trisiladi Supriyanto
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/alinfaq.v15i2.2279

Abstract

Indonesia is the country with the largest Muslim population in Southeast Asia, with the enactment of DSN-MUI Fatwa Number 107 of 2016 concerning the Implementation of Hospitals Based on Sharia Principles with binding provisions therein which are sharia-certified by MUKISI (All-Indonesian Health Effort Council). Law number 33 of 2014 on Halal Product Guarantees states that goods and services related to food, beverages, medicines, cosmetics, products, chemicals, biological products, genetically engineered products, as well as consumer goods that are used, utilized or utilized by the public. It is also stated that halal products are products that have been declared halal in accordance with Islamic law. This research was conducted descriptively using a mixed qualitative method to analyze the implementation of Sharia hospitals at the Bogor Islamic Hospital and quantitatively using SWOT analysis to analyze to support management in making decisions in the marketing sector. The conclusion of this study states that the management of the Bogor Islamic Hospital has fulfilled the Sharia compliance aspect referring to DSN-MUI Fatwa Number 107 of 2016 and has met halal standards in accordance with Law Number 33 of 2014. And there are results of IFAS factor analysis with a total weight value of 1 with a score of +0.71 and the EFAS factor with a total weight value of 1 with a score of +0.21. These results show that the Bogor Islamic Hospital is in quadrant 1 which means a fast growth strategy, meaning it has good opportunities and strengths.
Implementation of Cash Waqf in Improving Access and Quality of Al-Qur'an Education Mursidi Mursidi; Hendri Tanjung; Trisiladi Supriyanto
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i1.2287

Abstract

Waqf in Islam is a Shari'a that is highly recommended and waqf is one of the financial instruments in the Islamic treasury apart from zakat, infaq and alms. Waqf and zakat also have different characters, but both are Islamic financial instruments. Zakat is consumptive in nature where it is distributed to consumption items so that its benefits are not sustainable, while waqf from the start is required to be productive and sustainable, that is, it survives if its assets and the results of its management are distributed in the form of assets and benefits so that the waqf can survive and continue to provide continuous benefits. This research aims to analyze the application of cash waqf in improving access and quality of Al-Qur'an education. This research was conducted at the Tahfidz Al-Qur'an Ibnu Jauzi Dramaga Islamic Boarding School in Bogor with 42 respondents. The research method used was a quantitative approach. Quantitative analysis is used with simple linear regression with data collection techniques through distributing questionnaires, observation and documentation. The results of the research show that the management of cash waqf in this Islamic boarding school has had a positive impact on increasing access and quality of Al- Qur'an education. The results of this research also show that cash waqf has a strong positive correlation or relationship with increasing access and quality of Al-Qur'an education.
Analysis of Economic Development Business Model For Pesantren Independence: (Study at Pesantren Cendekia Amanah, Depok City) Sodik Sodik; Qurroh Ayuniyyah; Trisiladi Supriyanto
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i1.2288

Abstract

Pesantren Cendekia Amanah is a pesantren that was established five years ago, precisely in 2019. As an institution located within the community, this pesantren plays a significant role and contributes to the education system, socio-cultural aspects, and economic development. In order to develop the pesantren's economic self-sufficiency, Pesantren Cendekia Amanah has established facilities that can be utilized to develop the existing business units within the pesantren. This research aims to identify the economic business model developed by the pesantren and the implications of these businesses in efforts to enhance economic self-sufficiency at the pesantren. The data collection techniques used in this research include three methods: observation, interviews, and documentation. The data analysis method used in this research is the interactive model of Miles and Huberman. According to their view, data analysis generally consists of three concurrent activities: data reduction, data display, and conclusion drawing/verification. The results of this study indicate that the business model developed by Pesantren Cendekia Amanah has a significant impact on increasing the economic self-sufficiency of the pesantren.
Regulatory Compliance and Islamic Business Ethics in Umrah Administration: Rethinking the Centrality of Pilgrim Protection Mahmudi Affan Rangkuti; Hendri Tanjung; Indupurnahayu Indupurnahayu; Trisiladi Supriyanto
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol. 12 No. 1 (2026)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v12i1.10654

Abstract

Purpose:This article rethinks pilgrim protection as the normative core of Umrah administration by examining whether regulatory compliance and Islamic business ethics function as an integrated governance framework or remain disconnected in practice. It positions pilgrim welfare, financial security, and spiritual integrity as the primary criteria for assessing the legitimacy of Umrah services.Design/Methodology:The study employs a qualitative socio-legal approach combined with normative ethical analysis. It examines Indonesia’s regulatory framework for Umrah administration and the operational role of digital oversight systems as instruments of monitoring and reporting. Compliance is interpreted through maqasid-oriented principles of Islamic business ethics, drawing on regulatory provisions and documented patterns of administrative problems to evaluate protection outcomes.Findings:The findings indicate persistent structural weaknesses in compliance quality and fragmented oversight, reflected in recurring issues such as system misuse and cases of pilgrim abandonment. These patterns demonstrate that procedural compliance does not automatically translate into substantive pilgrim protection. While strengthening data-driven supervisory systems is necessary, it remains insufficient without robust internal compliance capacity and accountable service standards.Practical Implications:This article offers a protection-centered analytical framework that bridges legal compliance theory and Islamic business ethics by reframing pilgrim protection as measurable governance substance rather than a symbolic commitment. It contributes a conceptual shift from form-based compliance to outcome-oriented ethical accountability in faith-based service administration.Originality/Value:The study recommends integrating sharia-compliance guidance into digital oversight mechanisms, strengthening transparency and public accountability, and developing fair dispute-resolution procedures to realign industry incentives with effective pilgrim protection and public trust.