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Formulasi Islamic Buy Now Pay Later (BNPL) untuk Mencapai Demokratisasi Ekonomi Syariah Prawitra Thalib; Fahrian Saleh Siregar; Wimboko Wimboko; Ibtisam @ Ilyana Ilias; Angelica Milano Aryani Wibisono
Syariah: Jurnal Hukum dan Pemikiran Vol 25 No 2 (2025): Rekonstruksi dan Integrasi Hukum Islam dalam Menjawab Tantangan Hukum Kontempore
Publisher : Universitas Islam Negeri Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/sjhp.v25i2.16325

Abstract

The rapid growth of financial technology has reshaped global economic structures and accelerated the diffusion of Buy Now, Pay Later (BNPL) schemes, which commonly rely on interest‑based deferred payments. In Muslim‑majority jurisdictions such as Indonesia, this raises controversy over the permissibility of BNPL, given its riba‑like charges and opaque fee structures, alongside a regulatory gap that has not yet been addressed through a dedicated Islamic BNPL framework. This article examines that gap by asking, first, how a Sharia‑compliant BNPL model can be normatively formulated? and second, how such a model can contribute to achieving Sharia economic democracy? Using normative legal research based on historical and systematic interpretation, and employing conceptual, statute, and comparative approaches, the study analyses BNPL regulation and practice in Qatar, Malaysia, and Indonesia. The findings show that current Indonesian BNPL products embed riba, gharar, and unjust enrichment, whereas Qatar and Malaysia have begun to redesign BNPL through Murabaha, Ijarah, and Qard contracts under explicit Sharia governance and consumer‑protection rules. The study then proposes a legal‑contractual model for Islamic BNPL that combines fixed‑price or cost‑based fees, transparent contractual disclosure, capped non‑profit penalties, and formal Sharia supervision, operationalised through indicators of access, affordability, transparency, anti‑exploitation, and ethical governance. The article concludes by recommending that Indonesian regulators adopt a specific Islamic BNPL act, integrate Islamic supervisory mechanisms, and standardise consumer‑protection safeguards so that Islamic BNPL can function as an instrument of inclusive finance and Sharia‑based economic democracy.
Religion-Based Social Relations in Police Practice in Managing Klitih in the Special Region of Yogyakarta Wahyu Agha Ari; Prawitra Thalib
Jurnal Sosiologi Agama Vol. 19 No. 2 (2025)
Publisher : Program Studi Sosiologi Agama Universitas Islam Negeri Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

In recent years, the phenomenon of klitih in the Special Region of Yogyakarta (DIY) has caused widespread public concern. Although the police have the authority to enforce the law, addressing this crime is insufficient when relying solely on repressive measures. This article examines how police practices in DIY utilize religion-based social relations—namely forms of collaboration involving religious leaders, majelis taklim, pesantren, and Islamic educational institutions—to manage klitih-related crime. Using a qualitative approach through literature review, interviews, and observation, the study finds that the police have developed various collaborative programs such as religiously framed public safety outreach, mentoring for at-risk youth through majelis taklim, and preventive partnerships with pesantren and dakwah communities. This religion-based approach has proven effective in engaging the moral dimensions of youth, strengthening community social control, and fostering a sense of solidarity between law enforcement, community members, and religious leaders. Nevertheless, its implementation faces several challenges, including limited resources, resistance among some youths, and uneven program continuity. This article asserts that religion-based social relations contribute significantly to expanding the police’s role as inclusive, preventive, and contextually grounded guardians of public order within a religious society.
Systematic Review Toward A Definition of Technological Leadership M. Gananta; Prawitra Thalib; Fendy Suhariadi; Ian Firstian Aldhi; Elvia Rahmawati; Dwi Hardaningtyas
Dinasti International Journal of Education Management And Social Science Vol. 5 No. 5 (2024): Dinasti International Journal of Education Management and Social Science (June
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v5i5.2908

Abstract

This article has three interconnected objectives. Firstly, it reviews the recent history of technology leadership research to position the definitions used within the current historical context. Secondly, it compiles a list of definitions and summarizes them through content analysis, providing a comprehensive definition of technology leadership. Thirdly, it presents measurements of technology leadership within an organization. By conducting a systematic review, the study compiles definitions and measurements of technology leadership, emphasizing problem-solving, facilitation, human orientation, interpersonal skills, continuous innovation, organizational support, personal attributes, strategic foresight, and ethical practices. The research provides a comprehensive definition and practical tools for assessing technology leadership, serving as a crucial foundation for future research and organizational strategies.
Pendampingan UMKM di Tambak Sarioso: Mendorong Akses Permodalan dan Sertifikasi Halal Untuk Tingkatkan Daya Saing Sabrie, Hilda Yunita; Amalia, Rizky; Agustin, Erni; Thalib, Prawitra
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 4 (2025): Edisi Oktober - Desember
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i4.7400

Abstract

Kegiatan pendampingan Usaha Mikro, Kecil, dan Menengah (UMKM) di Tambak Sarioso merupakan upaya strategis dalam memperkuat ekonomi lokal melalui peningkatan kapasitas pelaku usaha dalam mengakses permodalan dan memperoleh sertifikasi halal. Permasalahan utama yang dihadapi UMKM di wilayah ini meliputi keterbatasan modal usaha, rendahnya literasi keuangan, serta kurangnya pemahaman terhadap prosedur dan manfaat sertifikasi halal. Melalui pendekatan partisipatif, program ini memberikan pelatihan, konsultasi, dan fasilitasi akses kepada lembaga keuangan serta lembaga sertifikasi halal. Kegiatan ini dilaksanakan dengan metode partisipatif melalui penyuluhan, pelatihan, dan pendampingan langsung kepada pelaku UMKM. Tim pengabdian bekerja sama dengan Pusat Halal Universitas Airlangga untuk pelatihan sertifikasi halal dan PT Bank Jatim untuk sosialisasi akses pembiayaan melalui produk Kredit Usaha Rakyat (KUR). Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman pelaku UMKM terhadap manajemen keuangan, penyusunan proposal pembiayaan, serta pentingnya legalitas dan sertifikasi halal sebagai faktor penentu daya saing. Selain itu, pendampingan juga mendorong kolaborasi antara pemerintah daerah, perguruan tinggi, dan lembaga keuangan dalam memperkuat ekosistem UMKM. Dengan demikian, pendampingan UMKM berbasis akses permodalan dan sertifikasi halal terbukti efektif dalam meningkatkan daya saing, kepercayaan konsumen, serta keberlanjutan usaha. Model pendampingan ini dapat direplikasi di wilayah lain sebagai strategi penguatan ekonomi inklusif dan berbasis nilai syariah.
Human Security Principles in Crowdsourcing Personal Data Kharisma, Dona Budi; Hernoko, Agus yudha; Thalib, Prawitra; Oktafiyana, Oktafiyana
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i2.4404

Abstract

Personal data protection is fundamental because every individual's privacy is important. This article analyses related principles of human security in the context of processing personal data to ensure the safety of every personal data subject. The result of the paper shows that every effort in processing personal data must based on principles to ensure the fulfillment of human security principles. This article argues that crowdsourcing personal data often carried out in the digital era violates human security principles when impact losses are incurred to man.
Co-Authors Adhika Ginanjar Widhisana Agus Yudha Hernoko Agus yudha Hernoko Aldhi, Ian Firstian Aldiansyah, Komari Aliansa, Wahyu Amalia Rizki Amelia Bellatrix Pantjo’u Angelica Milano Aryani Wibisono Anjani, Thifal Arif, Mochamad Shamsul Bagus Oktafian Abrianto Bart Jansen Bhayangkara, Ikhlasul Amal Daniel Julian Tangkau Darwati, Yulin Dina Kusuma Ratih Dinda Ajeng Puspanita Dona Budi Kharisma Dona Budi Kharisma, Dona Budi Dwi Hardaningtyas Dwi Hardaningtyas Elvia Rahmawati Erni Agustin Eva Diana Fahrian Saleh Siregar Faizal Kurniawan Faizal Kurniawan Fendy Suhariadi Fendy Suhariadi Gananta, M. Geigiansyah Aulia Putra Hilda Yunita Sabrie Ian Firstian Aldhi Ibtisam @ Ilyana Ilias Kholiq, Mochamad Nur Kholiq Nur Kholiq, S.H., M.Si., Mohamad Nur Komari Aldiansyah Komari Aldiansyah Kurniawan, Faisal M. Gananta M. Hadi Subhan Maradona Maradona Maradona, Maradona Mas Rahmah, Mas Maulani, Atiqoh Farhah Mochamad Shamsul Arif Mohamad Nur Kholiq Nugraha, Xavier Nur Utari Setiawati Nuryadi, Fredy Oktafiyana Oktafiyana Oktafiyana, Oktafiyana Pamoro, Giza’a Jati Panjaitan, Selvy Permanasari, Tyasning Putra, Nurwahyu Dimas Rahmawati, Elvia Rana, Digvijay Singh Rizky Amalia Rizky Amalia Septi Ariadi, Septi Sri Hajati Sri Hajati Suheriyadi, Bambang Suparto Wijoyo Theo Jornada Natanael Sianipar Tonic Tangkau Tri Vena Putri Tri Vena Putri Tri Veny Putri Trisadini Prasastinah Usanti Umar Haris Sanjaya W Lesawengen, Roinardes Wahyu Agha Ari Wimboko Wimboko Windy Agustin Wisudanto Wisudanto Yuniarti Yuniarti Zuhairah Ariff Binti Abd Ghadas