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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Maps (Manajemen Perbankan Syariah) Jurnal Ilmiah Edunomika (JIE) Jurnal Ekonomi Syariah Pelita Bangsa Journal of Islamic Business and Economic Review (JIBER) Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Arif Rijal Anshori
Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung, Indonesia.
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Analisis Pertimbangan Konsumsi Halal Mahasiswa Generasi Z dalam Persepektif Maqashid Syariah Silmi Camelia Ahmad; Arif Rijal Anshori; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 157-166
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25099

Abstract

Abstract. Halal product consumption is a religious obligation and a reflection of Muslim awareness, yet awareness does not always align with consistent consumption behavior. This study aims to analyze the understanding, awareness, and considerations of halal consumption among Generation Z students from the perspective of Maqashid Syariah. The research employs a qualitative descriptive approach with in-depth interviews of ten informants from the Faculty of Dirasah Islamiyah, Universitas Islam Bandung, selected through purposive sampling. Data were analyzed using the interactive model of Miles, Huberman, and Saldana. The findings reveal that students possess strong halal awareness in cognitive and affective dimensions, but a gap exists in the conative dimension due to situational factors such as time pressure and excessive security from living in a Muslim-majority environment, a novel finding rarely addressed in previous studies. From the Maqashid Syariah perspective, students' consumption behavior has aligned with the five maqashid dimensions (hifz ad-din, hifz an-nafs, hifz al-aql, hifz an-nasl, hifz al-mal), although implementation still needs strengthening. This research contributes to the study of halal consumption behavior by highlighting specific situational factors within an Islamic campus environment. Abstrak.  Konsumsi produk halal merupakan kewajiban syariat dan cerminan kesadaran Muslim, namun kesadaran tidak selalu sejalan dengan perilaku konsumsi yang konsisten. Penelitian ini bertujuan menganalisis pemahaman, kesadaran, dan pertimbangan konsumsi halal mahasiswa Generasi Z serta meninjaunya dari perspektif Maqashid Syariah. Penelitian menggunakan pendekatan kualitatif deskriptif dengan wawancara mendalam kepada sepuluh informan dari Fakultas Dirasah Islamiyah Universitas Islam Bandung yang dipilih secara purposive sampling. Analisis data menggunakan model interaktif Miles, Huberman, dan Saldana. Hasil penelitian menunjukkan mahasiswa memiliki kesadaran halal yang kuat pada dimensi kognitif dan afektif, namun terdapat kesenjangan pada dimensi konatif akibat faktor situasional seperti terburu-buru dan rasa aman berlebih di lingkungan mayoritas Muslim, temuan kebaruan yang belum banyak diangkat. Dari perspektif Maqashid Syariah, perilaku konsumsi mahasiswa telah mengarah pada kelima dimensi maqashid (hifz ad-din, hifz an-nafs, hifz al-aql, hifz an-nasl, hifz al-mal), meskipun implementasi perlu diperkuat. Penelitian ini memberikan kontribusi pada kajian perilaku konsumsi halal dengan menyoroti faktor situasional spesifik di lingkungan kampus Islam.
Analisis Hukum Ekonomi Syariah tentang Halal Fashion: Analisis Bibliometrik Mutiara Alya Syakira; Arif Rijal Anshori; Ifa Hanifia Senjiati
Bandung Conference Series: Sharia Economic Law 167-174
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25115

Abstract

Abstract. The halal fashion industry has experienced rapid growth alongside increasing public awareness of the halal lifestyle and the development of the Islamic economy. This development is followed by the increasing number of scientific publications on halal fashion, Islamic fashion, and Islamic economic law and halal fashion. This study aims to analyze the trend of scientific publication development and to examine Islamic economic law on halal fashion based on bibliometric analysis. The research uses a qualitative method with a library research approach. Data were obtained from the Dimensions database for the period 2007–2026 and analyzed using bibliometric methods with the assistance of VOSviewer software. The results show that the trend of scientific publications on halal fashion increased by 59%, although it still fluctuated in several periods. The co-occurrence analysis identifies three main themes, namely halal fashion and halal lifestyle, consumer behavior, and halal industry development. From the perspective of Islamic Economic Law, the development of halal fashion research is related to normative, muamalah, and institutional dimensions, although studies specifically discussing Islamic Economic Law remain relatively limited. Abstrak. Industri halal fashion mengalami perkembangan yang pesat seiring meningkatnya kesadaran masyarakat terhadap gaya hidup halal dan pertumbuhan ekonomi syariah. Perkembangan tersebut diikuti dengan meningkatnya publikasi ilmiah mengenai halal fashion, Islamic fashion, dan Islamic economic law and halal fashion. Penelitian ini bertujuan untuk menganalisis tren pengembangan publikasi ilmiah serta menganalisis hukum ekonomi syariah tentang halal fashion berdasarkan analisis bibliometrik. Penelitian menggunakan metode penelitian kualitatif dengan pendekatan studi pustaka (library research). Data diperoleh dari database Dimensions periode 2007–2026 dan dianalisis menggunakan metode bibliometrik dengan bantuan perangkat lunak VOSviewer. Hasil penelitian menunjukkan bahwa tren pengembangan publikasi ilmiah mengenai halal fashion mengalami peningkatan sebesar 59%, meskipun masih berfluktuasi pada beberapa periode. Analisis co-occurrence menunjukkan tiga tema utama, yaitu halal fashion dan gaya hidup halal, perilaku konsumen, serta pengembangan industri halal. Berdasarkan perspektif hukum ekonomi syariah, perkembangan penelitian halal fashion berkaitan dengan dimensi normatif, muamalah, dan kelembagaan, meskipun kajian yang secara khusus membahas hukum ekonomi syariah masih relatif terbatas.
Analisis Maqashid Syariah pada Implementasi ESG Bank Syariah Indonesia Putri Azzahra; Arif Rijal Anshori; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 199-208
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25220

Abstract

Abstract. This study analyzes the presentation of the Environmental, Social, and Governance (ESG) report of Bank Syariah Indonesia (BSI) for the 2024 fiscal year using the Maqashid Syariah Index (MSI). The urgency of this research lies in the limited number of studies that directly apply maqashid syariah indicators to Islamic banks sustainability reports, despite regulatory encouragement through OJK Regulation No. 51/POJK.03/2017 on sustainable finance. This study uses a qualitative method with a descriptive-analytical approach through content analysis. The object of research is the 2024 BSI Sustainbility Report, obtained through documentation study. Data were processed by scoring 44 indicators developed form the Bedoui framework across eight maqashid elements using a binary system (1 for disclosed, 0 for undisclosed), which were then tabulated and converted into a percentage index. The results show that BSI disclosed 23 of 44 indicators, producing an MSI score of 52,27%, categorized as medium. The highest score was found in the Protection of Self objective (80,00%), while the lowest was in the Protection of Human Life objective (44,44%). The findings indicate that institutional and narrative disclosures are presented adequately, while technical-quantitative disclosures and those related to qad-al hasan remain limited. Abstrak. Penelitian ini menganalisis penyajian laporan Environmental, Social, and Governance (ESG) Bank Syariah Indonesia (BSI) Tahun 2024 menggunakan Maqashid Syariah Index (MSI). Urgensi penelitian ini didasari oleh masih terbatasnya kajian yang secara langsung menerapkan indikator maqashid syariah untuk menilai laporan keberlanjutan bank syariah, meskipun regulator telah mendorong penerapannya melalui Peraturan OJK Nomor 51/POJK.03/2017 tentang Keuangan Berkelanjutan. Penelitian ini menggunakan metode kualitiatif dengan pendekatan deskriptif analisis melalui teknik analisis isi (content analysis). Objek penelitian adalah Laporan Keberlanjutan BSI Tahun 2024 yang diperoleh melalui studi dokumentasi. Pengolahan data dilakukan dengan penyekoran biner terhadap 44 indikator yang dikembangkan dari kerangka Bedoui pada delapan elemen maqashid (skor 1 jika terungkap, 0 jika tidak), yang selanjutnya ditabulasi dan dihitung menjadi persentase indeks. Hasil penelitian menunjukkan BSI mengungkapkan 23 dari 44 indikator, menghasilkan skor MSI sebesar 52,27% yang termasuk kategori sedang. Skor tertinggi diperoleh pada tujuan kunci Menjaga Diri Manusia (80,00%), sedangkan skor terendah pada tujuan kunci Menjaga Nilai Kehidupan Manusia (44,44%). Temuan ini mengindikasikan bahwa pengungkapan yang bersifat kelembagaan dan naratif telah disajikan secara memadai, sementara pengungkapan teknis-kuantitatif serta yang berkaitan dengan qard al-hasan masih terbatas.
Analisis Marketing Syariah terhadap Strategi Fake Order di Marketplace Shopee Mila Agustin; Arif Rijal Anshori; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 209-218
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25254

Abstract

Abstract. This study analyzes fake order practices in the Shopee marketplace from the perspective of Islamic marketing (marketing syariah). Fake order is a strategy used by sellers to artificially inflate transaction counts, ratings, and reviews to build store reputation. This research uses a qualitative approach with yuridis empiris method, involving three informants: Erhaa (fashion store), Woodnesia (wood paint store), and D.FO (professional fake order service provider). Data were collected through semi-structured interviews via Zoom, non-participatory observation of Shopee store pages, and documentation. The findings reveal two main mechanisms: delivery of original products (Erhaa) and delivery of substitute goods (Woodnesia and D.FO). Analysis based on four marketing syariah principles shows that all practices are not fully aligned with the principles of honesty, justice, transparency, and blessing. Regarding tadlis, fake order does not meet its technical elements because the marketplace acts as a mediator providing consumer protection through return mechanisms and dispute resolution. Regarding najasy, fake order does not fulfill classical fiqh elements of najasy because there is no manipulation that results in price increases that financially harm consumers. This study concludes that fake order evaluation must be proportional and differentiated based on the mechanism used. Abstrak. Penelitian ini menganalisis praktik fake order di marketplace Shopee dalam perspektif marketing syariah. Fake order merupakan strategi yang digunakan penjual untuk meningkatkan jumlah transaksi, rating, dan ulasan toko secara tidak organik. Penelitian menggunakan pendekatan kualitatif dengan metode yuridis empiris, melibatkan tiga informan: Erhaa (toko fashion), Woodnesia (toko cat kayu), dan D.FO (penyedia jasa fake order). Data dikumpulkan melalui wawancara semi-terstruktur via Zoom, observasi nonpartisipatif terhadap halaman toko Shopee, dan dokumentasi. Hasil penelitian menemukan dua mekanisme utama: pengiriman produk asli (Erhaa) dan pengiriman barang pengganti (Woodnesia dan D.FO). Analisis berdasarkan empat prinsip marketing syariah menunjukkan seluruh praktik tidak sepenuhnya selaras dengan prinsip kejujuran, keadilan, transparansi, dan keberkahan. Dalam hal tadlis, fake order di marketplace tidak memenuhi unsur tadlis karena platform marketplace berperan sebagai mediator yang menyediakan perlindungan konsumen melalui mekanisme retur dan mediasi sengketa. Dalam hal najasy, fake order tidak memenuhi unsur najasy fikih klasik karena tidak terdapat rekayasa yang berdampak pada kenaikan harga yang merugikan konsumen secara finansial. Penelitian ini menyimpulkan bahwa penilaian fake order harus proporsional dan dibedakan berdasarkan mekanisme yang digunakan, bukan diperlakukan seragam.
Analisis Pemahaman Literasi Keuangan Syariah Generasi Milenial dan Generasi Z terhadap Risiko Skema Ponzi dalam Investasi Syariah melalui Perspektif Maqashid Syariah Humaira Aini Bilqis; Ira Siti Rohmah Maulida; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law 219-228
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25440

Abstract

Abstract. This research is motivated by the prevalence of Sharia-labeled investments exhibiting Ponzi scheme characteristics, such as guaranteed fixed returns without clear risk mechanisms. This phenomenon highlights the importance of Islamic financial literacy for wealth protection (ḥifẓ al-māl) within maqāṣid Sharia, particularly for Millennials and Generation Z actively investing online. This study aims to analyze the Islamic financial literacy of both generations, identify differences in their understanding, and examine the correlation between Islamic financial literacy and awareness of Ponzi scheme risks. A descriptive qualitative method was employed using an empirical approach and Sharia normative analysis. The analysis focuses on three main indicators: knowledge, attitude, and behavior. The empirical approach maps social phenomena among Millennials and Gen Z, while the normative analysis evaluates respondents' behavior against Islamic Economic Law principles and ḥifẓ al-māl. The results indicate that respondents' Islamic financial literacy generally falls into the good to excellent categories. Millennials demonstrate stronger conceptual understanding of Sharia investments. Meanwhile, Gen Z excels in preventive behavior, particularly in verifying investment legality and utilizing digital information. Based on the research results, Islamic financial literacy serves as a vital instrument for wealth protection (ḥifẓ al-māl) by enhancing public awareness against fraudulent Ponzi scheme investments. Abstrak. Penelitian ini dilatarbelakangi maraknya investasi berlabel syariah berkarakteristik skema Ponzi, seperti janji keuntungan tetap tanpa kejelasan risiko. Fenomena ini menegaskan pentingnya literasi keuangan syariah untuk perlindungan harta (ḥifẓ al-māl) dalam maqāṣid syariah, khususnya bagi Generasi Milenial dan Generasi Z yang aktif berinvestasi secara daring. Penelitian ini bertujuan menganalisis pemahaman literasi keuangan syariah kedua generasi tersebut, mengidentifikasi perbedaan pemahamannya, serta mengkaji keterkaitannya dengan kewaspadaan terhadap risiko skema Ponzi. Metode yang digunakan adalah kualitatif deskriptif melalui pendekatan empiris dan analisis normatif syariah. Analisis difokuskan pada tiga indikator utama: pengetahuan (knowledge), sikap (attitude), dan perilaku (behavior). Pendekatan empiris memetakan fenomena sosial Generasi Milenial dan Gen Z, sedangkan analisis normatif mengevaluasi kesesuaian perilaku responden dengan prinsip Hukum Ekonomi Syariah dan konsep ḥifẓ al-māl. Hasil penelitian menunjukkan literasi keuangan syariah responden secara umum berada pada kategori baik hingga sangat baik. Generasi Milenial unggul pada pemahaman konseptual mengenai investasi syariah. Sementara itu, Generasi Z lebih menonjol dalam perilaku preventif, seperti aktif memverifikasi legalitas investasi dan memanfaatkan informasi digital. Berdasarkan hasil penelitian, literasi keuangan syariah terbukti berperan penting sebagai instrumen perlindungan harta (ḥifẓ al-māl) melalui peningkatan kewaspadaan masyarakat terhadap risiko investasi bodong berskema Ponzi.
Analisis Kesadaran Zakat Penghasilan ASN Kemenag Kota Bandung: Tinjauan Fatwa MUI No. 3 Tahun 2003 Qori Nur Syara; Arif Rijal Anshori; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law 245-252
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25512

Abstract

Abstract. Income zakat is a religious obligation regulated by MUI Fatwa No. 3 of 2003; however, its implementation among civil servants at the Ministry of Religious Affairs in Bandung still faces a gap between normative provisions and on-the-ground realities. This study analyzes civil servants’ awareness of the obligation to pay zakat on income, obstacles to payment, the appropriateness of the salary deduction mechanism, and strategies for its optimization, using a descriptive-juridical-empirical qualitative approach with Knowledge, Attitude, Practice indicators. The results show that civil servants’ knowledge and attitudes are quite positive from a normative perspective; however, their technical understanding of the nisab remains weak and has not yet been reflected in proactive actions. The seemingly high compliance rate is actually driven more by the UPZ’s automatic deduction system than by individual awareness, and there are some employees who have not yet been registered. Cognitive delegation and administrative dependence are key to understanding why compliance appears high in quantitative terms but is vulnerable to deviations from Sharia principles. This study recommends strengthening outreach efforts, implementing digital transformation through a transparent dashboard, reinforcing institutional policies (data updates), and establishing an accountable reporting system to promote compliance that is more in line with Sharia provisions. Abstrak. Zakat penghasilan merupakan kewajiban syariat yang diatur dalam Fatwa MUI No. 3 Tahun 2003, namun implementasinya di kalangan ASN Kemenag Kota Bandung masih menghadapi kesenjangan antara ketentuan normatif dan realitas lapangan. Penelitian ini menganalisis kesadaran ASN terhadap kewajiban zakat penghasilan, kendala pembayaran, kesesuaian mekanisme pemotongan gaji, serta strategi optimalisasinya, menggunakan pendekatan kualitatif deskriptif-yuridis empiris dengan indikator Knowledge, Attitude, Practice (KAP). Hasil menunjukkan pengetahuan dan sikap ASN cukup positif secara normatif, namun pemahaman teknis nisab masih lemah dan belum tercermin dalam tindakan proaktif. Kepatuhan yang tampak tinggi ternyata lebih digerakkan oleh sistem pemotongan otomatis UPZ ketimbang kesadaran individual, serta adanya sebagian pegawai yang belum terdata. Delegasi kognitif dan ketergantungan administratif menjadi kunci memahami mengapa kepatuhan tampak tinggi secara kuantitas namun rentan terhadap ketidaksesuaian substansi syar'i. Penelitian merekomendasikan penguatan sosialisasi, transformasi digital melalui dashboard transparan, penguatan kebijakan institusional (updating data), dan sistem pelaporan akuntabel guna mendorong kepatuhan yang lebih sesuai ketentuan syariah.
Analisis Fatwa DSN-MUI No. 04/IV/DSN-MUI/2000 terhadap Implementasi Akad Murabahah di KSPPS BMT Itqan Bandung Ayen Nanda; Arif Rijal Anshori; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law 253-260
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25641

Abstract

Abstract. The implementation of the murabahah contract in Sharia microfinance institutions must adhere to Sharia principles as stipulated in DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000. However, various studies indicate that the implementation of murabahah still faces challenges regarding asset ownership, the separation of wakalah and murabahah contracts, and the transparency of the cost price. This study aims to analyze the implementation of the murabahah contract for business capital financing at KSPPS BMT Itqan Bandung based on DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000. The study employs a qualitative method with a normative-empirical juridical approach. Data were collected through in-depth interviews, observation, and document analysis involving Account Officers, the Sharia Supervisory Board (DPS), and the Head of the KSPPS BMT Itqan Bandung Foundation. The results indicate that the implementation of the murabahah contract is, in principle, consistent with Sharia provisions through the application of the murabahah bil wakalah contract. However, improvements are still required regarding asset ownership, the separation of wakalah and murabahah contract stages, and cost price transparency, as the current pricing is not based on the BMT's actual acquisition cost. Therefore, it is necessary to refine standard operating procedures, enhance the understanding of Account Officers, and adjust contract execution to better align with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000. Abstrak. Implementasi akad murabahah pada lembaga keuangan mikro syariah harus dilaksanakan sesuai dengan prinsip syariah sebagaimana diatur dalam Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000. Namun, berbagai penelitian menunjukkan bahwa implementasi murabahah masih menghadapi kendala pada aspek kepemilikan barang, pemisahan akad wakalah dan murabahah, serta transparansi harga pokok. Penelitian ini bertujuan untuk menganalisis implementasi akad murabahah pada pembiayaan modal usaha di KSPPS BMT Itqan Bandung berdasarkan Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000. Penelitian ini menggunakan metode kualitatif dengan pendekatan yuridis normatif empiris. Data diperoleh melalui wawancara mendalam, observasi, dan dokumentasi terhadap Account Officer, Dewan Pengawas Syariah (DPS), dan Ketua Yayasan KSPPS BMT Itqan Bandung. Hasil penelitian menunjukkan bahwa implementasi akad murabahah pada prinsipnya telah sesuai dengan ketentuan syariah melalui penerapan akad murabahah bil wakalah. Namun, implementasinya masih memerlukan penyempurnaan pada aspek kepemilikan barang, pemisahan tahapan akad wakalah dan murabahah, serta transparansi harga pokok yang belum didasarkan pada harga perolehan riil oleh BMT. Oleh karena itu, diperlukan penyempurnaan standar operasional prosedur, peningkatan pemahaman Account Officer, dan pelaksanaan akad agar lebih selaras dengan Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000.
Keabsahan Akad Rahn Musta‘ār dalam Perspektif Fikih Muamalah Rinaz Meikusdanti; Ira Siti Rohmah Maulida; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law 277-286
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25717

Abstract

Abstract. Rahn musta‘ār refers to the pledging of borrowed property by a musta‘īr, which raises legal issues concerning the authority to use another person’s property as collateral. This study aims to analyze the legal construction of the ‘āriyah contract as the basis for the formation of rahn musta‘ār, the validity of rahn musta‘ār from the perspective of Islamic commercial jurisprudence, and its legal position within the framework of Islamic Economic Law in Indonesia. This study employed a normative juridical method using conceptual, statutory, and comparative approaches. Legal materials were collected through library research involving the Qur’an, hadith, classical Islamic jurisprudential literature, the Compilation of Sharia Economic Law, DSN-MUI fatwas, books, and scientific journals. The collected materials were analyzed qualitatively using descriptive-analytical and prescriptive methods. The findings indicate that the ‘āriyah contract is understood through two legal constructions, namely tamlīk al-manfa‘ah and ibāḥah al-intifā‘, which form the basis of the legal relationship in rahn musta‘ār. The owner’s permission constitutes the basis for the musta‘īr’s legal authority to undertake legal actions concerning the borrowed property. The validity of rahn musta‘ār depends not solely on ownership but also on the existence of legitimate ḥaqq al-taṣarruf. In Indonesian Islamic Economic Law, rahn musta‘ār is recognized under Article 342 of the Compilation of Sharia Economic Law and supported by the general principles governing rahn and I‘ārah in DSN-MUI fatwas. Therefore, rahn musta‘ār may be implemented provided that the owner’s permission is obtained and the transaction remains within the scope of the authority granted. Abstrak. Akad rahn musta‘ār merupakan penggadaian barang pinjaman oleh musta‘īr yang menimbulkan persoalan mengenai kewenangan untuk menjadikan barang milik pihak lain sebagai objek jaminan. Penelitian ini bertujuan menganalisis konstruksi hukum akad ‘āriyah sebagai dasar terbentuknya rahn musta‘ār, keabsahan rahn musta‘ār dalam perspektif fikih muamalah, serta kedudukannya dalam kerangka Hukum Ekonomi Syariah di Indonesia. Penelitian ini menggunakan metode yuridis normatif dengan pendekatan konseptual, perundang-undangan, dan perbandingan. Bahan hukum dikumpulkan melalui studi kepustakaan terhadap Al-Qur’an, hadis, kitab fikih klasik, Kompilasi Hukum Ekonomi Syariah, fatwa DSN-MUI, buku, dan jurnal ilmiah, kemudian dianalisis secara kualitatif menggunakan metode deskriptif-analitis dan preskriptif. Hasil penelitian menunjukkan bahwa akad ‘āriyah dipahami melalui dua konstruksi hukum, yaitu tamlīk al-manfa'ah dan ibāḥah al-intifā', yang menjadi dasar hubungan hukum dalam rahn musta‘ār, sedangkan izin pemilik barang menjadi dasar kewenangan musta‘īr untuk melakukan tindakan hukum. Keabsahan rahn musta‘ār tidak semata-mata bergantung pada kepemilikan, melainkan pada adanya ḥaqq al-taṣarruf yang sah. Dalam Hukum Ekonomi Syariah Indonesia, rahn musta‘ār diakui melalui Pasal 342 KHES dan didukung oleh prinsip umum dalam Fatwa DSN-MUI tentang rahn dan akad I‘ārah. Dengan demikian, rahn musta‘ār dapat diterapkan sepanjang memperoleh izin pemilik dan dilaksanakan sesuai batas kewenangan yang diberikan.
Implementasi Fatwa Halal MUI pada Kuliner Non-Halal Cibadak Kota Bandung Nazwa Meliana Putri; Arif Rijal Anshori; Ira Siti Rohmah
Bandung Conference Series: Sharia Economic Law 297-304
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25761

Abstract

Abstract. This study is grounded in the sociological condition of the Cibadak Night Culinary Area in Bandung, a highly heterogeneous and multicultural space where halal and non-halal food vendors operate side by side in a crowded public area. The close proximity between stalls creates a high risk of impurity mixing (ikhtilath) and product status ambiguity (syubhat) for Muslim consumers, a concern reinforced by an incident at the end of 2025 involving the undisclosed use of lard. This research examines how Indonesian Ulema Council (MUI) Fatwa Number 4 of 2003 on Halal Fatwa Standardization is implemented in food trading practices in the area, the obstacles to its supervision, and how Islamic economic law reviews this ambiguity. A socio-legal (yuridis-empiris) approach with descriptive-analytical specification was applied. Primary data were collected through repeated non-participant observation, documentation studies, and semi-structured in-depth interviews with consumers, culinary vendors, and a representative of MUI. Findings show that halal labeling and certification remain partial and inconsistent, socialization is not matched by facilitation and post-certification supervision, and the dense, unsegregated layout of the area heightens the risk of cross-contamination. From an Islamic economic law perspective, these conditions constitute gharar fil-washf and weaken the function of al-hisbah, requiring a more inclusive, collaborative model of halal oversight that protects Muslim consumers without marginalizing non-Muslim traders. Abstrak. Penelitian ini dilatarbelakangi oleh kondisi sosiologis Kawasan Kuliner Malam Cibadak Kota Bandung yang bersifat heterogen dan multikultural, di mana pedagang makanan halal dan non-halal beroperasi berdampingan dalam satu ruang publik yang padat. Kedekatan geografis antar-gerai menimbulkan risiko tinggi terjadinya percampuran (ikhtilath) serta ketidakjelasan status produk (syubhat) bagi konsumen Muslim, terlebih setelah insiden penggunaan minyak babi tanpa label yang transparan pada akhir tahun 2025. Penelitian ini bertujuan menganalisis implementasi Fatwa Majelis Ulama Indonesia (MUI) Nomor 4 Tahun 2003 tentang Standarisasi Fatwa Halal pada praktik jual beli makanan di kawasan tersebut, kendala dalam pengawasannya, serta tinjauan hukum ekonomi syariah terhadap ketidakjelasan status produk kuliner tersebut. Penelitian menggunakan pendekatan yuridis-empiris dengan spesifikasi deskriptif-analitis. Data primer dikumpulkan melalui observasi lapangan non-partisipan berulang, studi dokumentasi, dan wawancara mendalam semi-terstruktur bersama konsumen, pelaku usaha kuliner, serta perwakilan MUI. Hasil penelitian menunjukkan bahwa pelabelan dan sertifikasi halal masih bersifat parsial dan tidak seragam, sosialisasi belum diimbangi fasilitasi dan pengawasan pascasertifikasi, serta tata letak kawasan yang padat dan tanpa sekat memperbesar risiko kontaminasi silang. Dalam perspektif hukum ekonomi syariah, kondisi tersebut mengandung unsur gharar fil-washf dan melemahkan fungsi al-hisbah, sehingga diperlukan model pengawasan halal yang lebih inklusif dan kolaboratif tanpa memarjinalkan pedagang non-Muslim.
Tinjauan Keputusan Ijtima Ulama Komisi Fatwa MUI No. VII Tahun 2021 tentang Kelayakan Cryptocurrency sebagai Instrumen Pembayaran Zakat Dhea Andini Nathania; Sandy Rizki Febriadi; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law 113-120
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v5i2.19234

Abstract

Abstract. The development of cryptocurrency as a digital asset based on blockchain technology has raised new legal issues in the Islamic economy, particularly regarding the obligation of zakat. In Indonesia, the increase in cryptocurrency transactions and ownership has sparked discussions about its suitability as a payment instrument for zakat within the Islamic financial system. The Decision of the Ijtima Ulama Fatwa Commission of the Indonesian Ulema Council (MUI) No. VII of 2021 states that cryptocurrency is not valid as currency due to its elements of gharar, maysir, and dharar, but it is permitted for trade if it has clear benefits and underlying assets. This study aims to review the content and implications of this decision within the context of zakat law. The method used is qualitative research with a legal-normative approach. The research object is the MUI Ulama Assembly decision and its considerations regarding the suitability of cryptocurrency. Data was collected through literature review and interviews with sources from the MUI and Islamic economics academics, then analyzed deductively and descriptively. The results indicate that cryptocurrency can be considered as a zakat payment instrument if it meets the criteria for zakatable assets, such as being halal, fully owned, growing, reaching the nisab threshold, and held for one haul. This study is expected to enrich contemporary zakat literature and serve as a foundational basis for the development of regulations and digital zakat practices in Indonesia. Abstrak. Perkembangan cryptocurrency sebagai aset digital berbasis teknologi blockchain telah memunculkan persoalan hukum baru dalam ekonomi syariah, terutama terkait kewajiban zakat. Di Indonesia, meningkatnya transaksi dan kepemilikan aset kripto mendorong diskusi mengenai kelayakannya sebagai instrumen pembayaran zakat dalam sistem keuangan syariah. Keputusan Ijtima Ulama Komisi Fatwa MUI No. VII Tahun 2021 menyatakan bahwa cryptocurrency tidak sah digunakan sebagai mata uang karena mengandung unsur gharar, maysir, dan dharar, namun diperbolehkan untuk diperjualbelikan jika memiliki manfaat dan underlying asset yang jelas. Penelitian ini bertujuan untuk meninjau isi dan implikasi keputusan tersebut dalam konteks hukum zakat. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan yuridis-normatif. Objek penelitian ini adalah keputusan Ijtima Ulama MUI dan pertimbangannya terhadap kelayakan cryptocurrency. Data dikumpulkan melalui studi pustaka dan wawancara dengan narasumber dari MUI serta akademisi ekonomi syariah, lalu dianalisis secara deduktif dan deskriptif. Hasil menunjukkan bahwa cryptocurrency dapat dipertimbangkan sebagai instrumen pembayaran zakat apabila memenuhi syarat mal zakawi, seperti halal, milik penuh, berkembang, mencapai nisab, dan dimiliki selama satu haul. Penelitian ini diharapkan memperkaya literatur zakat kontemporer dan menjadi landasan awal bagi pengembangan regulasi serta praktik zakat digital di Indonesia.
Co-Authors Afifah Hamasatunnisa Ahmad Reyhansyah Ashadi Alputri, Misella Amrullah Hayatudin Aprillia Ratih Pawestri Samapta Asep Ramdan Hidayat Athiyatul Fattah Ayen Nanda Citra Yustia Najla Nurghina Dhea Andini Nathania Fadel Muhammad Fahrul Akmal Albani Tuhuloula Farhan Fathurrahman Mukarrom Febriadi, Sandy Rizki Fitri Nurhaidah Franky Gantara Gea Mustika Ghaida Fairuz Zahran Hasanudin Hasanudin Humaira Aini Bilqis Ifa Hanifia Senjiati Ikhsanizar Raihan Firdaus Imas Maesah Inada Hikaru Ayuratuningrum Gandara Intan Rahmawati Ira Siti Rohmah Ira Siti Rohmah Maulida Irania Nuralif Iwan Permana Iwan Setiawan Jessinta Shilva Bintan Namita Miftah Farid Aziez Mila Agustin Mochamad Afif Zacharias Masyhur Muhamad Rafli Muhamad Taaba Syawali Muhammad Rizky Sya’bani Abidin Mutiara Alya Syakira Nandang Ihwanuddin Nandang Ihwanudin Nando Dwi Nasywa Nathani Salsabila Nazwa Meliana Putri Neli Erlianti Neng Dewi Himayasari Nisa Dhiya Dinirrahmani Novia Dwi Putri Panji Adam Agus Putra Popon Srisusilawati Putri Azzahra Qadrina Illyin Nandini Qori Nur Syara Redi Hadiyanto Rinaz Meikusdanti Risma Wulandari Rizky Chandra Wijaya Firdaus Salma Nabila Prasetyo Salma Nurul Fadhilah Salma Saqina Sandy Rizki Febriadi Sandy Rizky Febriadi Selly Eriska Shafa Sahira Silmi Camelia Ahmad Silvi Pitriani Sobariaty Aisyah Diva Marpuah Syahroyat Syifa Dewi Fajriyani Tasya Nur Oktaviani Udin Saripudin Wahyudin, Yadi Wiguna Mughni Nurahman Yori Kemiain Zia Firdaus Nuzula