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ANALISIS TERHADAP FITUR SHOPEEPAYLATER PERSPEKTIF EKONOMI ISLAM Putri Noor Hanifah; Muhammad Sauqi; Husna Karimah
Jurnal Ekonomi dan Bisnis (Ekobis-DA) Vol 3, No 02 (2022): Jurnal Ekonomi Dan Bisnis EKOBIS-DA
Publisher : IAI Darussalam Martapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58791/ekobis.v3i02.423

AbstrakPenelitian ini bertujuan untuk mengetahui sistematika fitur ShopeePayLater, akad yang digunakan, dan pandangan ekonomi islam. Jenis penelitian menggunakan metode Pustaka. Teknik yang digunakan untuk mengumpulkan data penelitian ini adalah analisis jurnal, skripsi dan berita website. Kemudian data tersebut diolah dengan teknik deskriptif analisis, yaitu mengolah data menjadi susunan deskriptif dengan pola pikir induktif, yaitu mengambil pernyataan yang bersifat khusus lalu ditarik kesimpulan yang bersifat umum. Hasil penelitian menunjukkan bahwa Pandangan Ekonomi Islam terhadap praktik jual beli kredit menggunakan ShopeepayLater dapat ditarik kesimpulan hukumnya, ada pendapat yang membolehkan (mubah) dan ada pendapat yang mengharamkan, pendapat para ulama membolehkan jual beli kredit yang terpenting dilaksanakan dengan aturan atau pedoman jual beli dengan baik, kemudian kejelasan perjanjian antara penjual dan pembeli harus ada kesepakatan yang jelas pada saat melaksanakan ijab dan kabul. Mekanisme akad jual beli menggunakan ShopeepayLater secara garis besar sudah memenuhi beberapa syarat dan rukun akad jual beli dan bai’ taqsith. Namun ada syarat yang tidak terpenuhi yaitu kejelasan akad dimana tidak disebutkan besaran bunga, sehingga dapat menimbulkan unsur penipuan (gharar). Jika suatu akad dalam jual beli tidak terpenuhi syarat dan rukunnya, maka dikatakan riba ketika adanya unsur tambahan yang disyaratkan di muka oleh pihak penerbit paylater kepada konsumennya. Jika ShopeePayLater membebankan biaya tambahan maka bukan termasuk riba. Asalkan biaya tambahan tersebut dihitung sebagai jasa atau ijarahKata Kunci: Shopee, ShopeePaylater, Ekonomi Islam

MODEL TRANSAKSI BERBASIS FINTECH SYARIAH PERSPEKTIF FIKIH MUAMALAH Muhammad Sauqi; Alya Rohani; Mar’atun Solehah
Jurnal Syariah dan Ekonomi Islam Vol 3 No 1 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/zj6he745

The development of information and communication technology, the financial industry has undergone changes for the digital revolution, triggered by the presence of fintech (financial technology). Sharia fintech, as a special variant in the digital financial ecosystem, presents a breakthrough in financial services that are in line with Islamic ethical values. The discovery of sharia-based fintech businesses not only offers transaction solutions that are in accordance with sharia principles, but also plays a strategic role in opening wider financial access for the community. Fiqh muamalah is a branch of science that regulates social relations and economic transactions in the Muslim community. Using the development of technology, especially in the financial sector, the emergence of sharia fintech as an interesting phenomenon to study. The rapid development of technology forms processes in the financial sector that are also developing. This incident makes it easier for residents to get financing, especially for business capital or to maintain the continuity of the business they are running. The purpose of this study is to study how to apply the principles of fiqh muamalah in the sharia fintech business model. The research used uses a qualitative research method with a literature study method and a case study.

Implementasi Prinsip Akuntabilitas Dalam Keuangan Islam perspektif Al-Quran dan Hadis Akhmad Sanusi; Muhammad Sauqi; Siliwangi; Akhmad Hariadi; Ahmad Hariadi, Akhmad sanusi
Al-Hasyimi - Jurnal Ilmu Hadis Vol. 2 No. 2 (2025): Al-Hasyimi - Jurnal Ilmu Hadis
Publisher : STAI Nurul Qadim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63398/y80cwv77

This study explores the critical role of accountability in Islamic finance, particularly how it is applied in key Islamic financial institutions such as Islamic banks, zakat and waqf organizations, Baitul Maal wat Tamwil (BMT), and Islamic cooperatives. In the context of Islamic finance, accountability goes beyond just administrative requirements it embodies a deep moral responsibility to uphold the trust that the community places in these institutions. Drawing from the teachings of the Qur'an and Hadith, this study highlights the values of honesty, transparency, and fairness as fundamental in managing financial transactions and funds in line with Islamic principles. The paper delves into various dimensions of leadership responsibility and the prohibition against misusing funds, emphasizing how these principles are practiced in institutions that operate under Shariah law. It stresses that financial management within Shariah-compliant institutions must be rooted in values like openness, equity, and collaboration, ensuring that the funds are used in a way that benefits the entire Muslim community. Additionally, the study highlights the importance of accountability in fostering trust between the public and Islamic financial institutions, which ultimately contributes to the broader economic empowerment of the ummah. In conclusion, this paper emphasizes that the principle of accountability in Islamic finance is not only a regulatory obligation but a cornerstone in creating a just, transparent, and sustainable economic system. Its implementation ensures that the financial system benefits the Muslim community fairly and equitably.

Corporate Social Responsibility (CSR) Perspektif Hadis: Implementasi Nilai Islam dalam Ekonomi Modern Muhammad Sauqi; Alya Rohani; Mar’atun Solehah
Al Rikaz: Jurnal Ekonomi Syariah Vol 3 No 2 (2025): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v3i2.13332

Corporate Social Responsibility (CSR) in Islamic economics is a concept that emphasizes the importance of achieving a balance between the profits earned by a company and the positive impact it provides to society through various social and economic programs. In the context of Islamic entrepreneurship, CSR strives to balance company profits while simultaneously benefiting society through various social and economic initiatives. The ethical principles of Islamic business that underlie CSR include justice, mutual assistance, and environmental sustainability. In Islam's view, CSR is not just about fulfilling legal and moral obligations but also a strategy to ensure the continuity of the company and the long-term welfare of society. Islamic economic actors have the duty to assist the community and preserve the surrounding environment. The implementation of CSR from an Islamic perspective must align with maslahah, which includes both dharuriyyah (basic needs) and hajiyyah (secondary needs). Some of the Islamic business principles related to CSR include environmental protection, efforts to alleviate poverty, and prioritizing urgent needs. CSR in Islamic business is a moral responsibility of business actors as representatives of the company to Allah SWT, with the aim of obtaining both worldly and spiritual benefits, making every action in business an act of worship.

MODEL TRANSAKSI BERBASIS FINTECH SYARIAH PERSPEKTIF FIKIH MUAMALAH Muhammad Sauqi; Alya Rohani; Mar’atun Solehah
Jurnal Syariah dan Ekonomi Islam Vol 3 No 1 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/zj6he745

The development of information and communication technology, the financial industry has undergone changes for the digital revolution, triggered by the presence of fintech (financial technology). Sharia fintech, as a special variant in the digital financial ecosystem, presents a breakthrough in financial services that are in line with Islamic ethical values. The discovery of sharia-based fintech businesses not only offers transaction solutions that are in accordance with sharia principles, but also plays a strategic role in opening wider financial access for the community. Fiqh muamalah is a branch of science that regulates social relations and economic transactions in the Muslim community. Using the development of technology, especially in the financial sector, the emergence of sharia fintech as an interesting phenomenon to study. The rapid development of technology forms processes in the financial sector that are also developing. This incident makes it easier for residents to get financing, especially for business capital or to maintain the continuity of the business they are running. The purpose of this study is to study how to apply the principles of fiqh muamalah in the sharia fintech business model. The research used uses a qualitative research method with a literature study method and a case study.

KONSEP ZAKAT PRODUKTIF PERSPEKTIF SYEKH MUHAMMAD ARSYAD AL-BANJARI DALAM KITAB SABILAL MUHTADIN (Analisis Sejarah, Hermeneutika, dan Istinbath) Muhammad Sauqi
JURNAL EKONOMI DAN BISNIS (EKOBIS-DA) Vol. 6 No. 1 (2025): Vol 06 No. 01 Januari-Juni 2025 : Jurnal Ekonomi dan Bisnis (Ekobis-DA)
Publisher : Fakultas Ekonomi dan Bisnis IAI Darussalam Martapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58791/febi.v6i1.352

This study aims to analyze the concept of productive zakat from the perspective of Syekh Muhammad Arsyad al-Banjarî, as outlined in his book Sabîl al-Muhtadîn, using historical, hermeneutical, and istinbath approaches. Zakat, as one of the five pillars of Islam, carries a significant social dimension that is crucial in addressing social inequalities and alleviating poverty. In his book, Syekh Muhammad Arsyad al-Banjarî develops the idea of zakat not only as a consumptive act but also as a productive one, where zakat is provided as capital for the poor and needy to improve their welfare. This research reveals that Syekh Muhammad Arsyad al-Banjarî's concept of productive zakat is highly relevant to the socio-economic conditions of the Banjar Sultanate and offers a guide that can be applied in contemporary times. Using a hermeneutical approach, this study identifies the meaning embedded in the text of Sabîl al-Muhtadîn and its relevance to the concept of productive zakat, which aims to empower the economic wellbeing of the community. The historical approach is also employed to examine the social and economic context during the time the book was written, while istinbath explores the application of zakat principles in contemporary settings. The findings of this study indicate that productive zakat not only helps improve individual economies but also has the potential to significantly reduce poverty, thus serving as a crucial instrument for economic development in the Muslim community.

Etika Bisnis Islam pada Pasar Tradisional dalam Perspektif Hadits Muhammad Fazerin; Muhammad Elmi; Muhammad Sauqi
Al-Maqrizi: Jurnal Ekonomi Syariah dan Studi Islam Vol. 3 No. 2 (2025): Al-Maqrizi: Jurnal Ekonomi Syariah dan Studi Islam
Publisher : ekonomi syariah

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

Pasar tradisional merupakan pusat interaksi ekonomi masyarakat yang masih mempertahankan nilai- nilai sosial dan budaya lokal. Dalam konteks Islam, aktivitas ekonomi di pasar tidak hanya dipandang dari sisi keuntungan materi, tetapi juga harus memenuhi prinsip-prinsip etika yang diajarkan dalam ajaran agama, khususnya melalui hadis Nabi Muhammad SAW. Penelitian ini bertujuan untuk mengkaji nilai-nilai etika bisnis yang terkandung dalam hadis serta implementasinya dalam praktik perdagangan di pasar tradisional. Beberapa prinsip utama seperti kejujuran (ṣidq), keadilan (‘adl), larangan penipuan (gharar dan tadlīs), serta pentingnya menjaga keseimbangan antara keuntungan dan keberkahan menjadi landasan dalam membentuk etika bisnis Islami. Melalui pendekatan kualitatif deskriptif dan studi literatur, tulisan ini menyoroti bagaimana pedagang di pasar tradisional dapat mengintegrasikan nilai-nilai etis dari hadis ke dalam praktik muamalah mereka. Temuan penelitian menunjukkan bahwa penerapan etika bisnis dalam perspektif hadis berpotensi memperkuat kepercayaan konsumen, meningkatkan keberkahan usaha, dan menciptakan pasar yang adil dan berkeadaban.

PENGARUH EKSPLORASI, RELIGIUSITAS DAN KOMPENSASI TERHADAP MINAT MAHASISWA FEBI IAI DARUSSALAM BERKARIR DI LEMBAGA KEUANGAN SYARIAH Muhammad Arsyad; Muhammad Sauqi; Lisda Aisyah
JURNAL EKONOMI DAN BISNIS (EKOBIS-DA) Vol. 6 No. 02 (2025): Juli- Desember : Jurnal Ekonomi dan Bisnis (EKOBIS-DA)
Publisher : Fakultas Ekonomi dan Bisnis IAI Darussalam Martapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58791/febi.v6i02.674

Penelitian ini dilatarbelakangi pesatnya perkembangan pada sektor keuangan syariah di Indonesia. Namun, masih ditemukan adanya kondisi Mismatch atau ketidaksesuaian antara lulusan dan kebutuhan industri. Fenomena ini menjadi tantangan bagi Perguruan Tinggi Islam di Indonesia untuk meningkatkan minat dan kompetensi mahasiswanya agar kelak mampu menjadi bagian dari SDM di bidang keuangan syariah. Penelitian ini bertujuan untuk mengetahui pengaruh eksplorasi, religiusitas, dan kompensasi terhadap minat mahasiswa Fakultas Ekonomi dan Bisnis Islam IAI Darussalam berkarir di lembaga keuangan syariah. Menggunakan data primer yang diperoleh melalui pengisian kuesioner. Teknik Sampling menggunakan Purposive Sampling, dengan sampel sebanyak 167 responden. Analisis data menguji validitas dan realibilitas, uji asumsi klasik, dan uji hipotesis menggunakan metode regresi linier berganda. Hasil analisis data menunjukkan bahwa secara simultan eksplorasi, religiusitas, dan kompensasi berpengaruh terhadap minat mahasiswa fakultas ekonomi dan bisnis Islam berkarir di lembaga keuangan syariah. Hasil secara parsial menunjukkan variabel eksplorasi berpengaruh signifikan dan positif, religiusitas berpengaruh signifikan, tetapi tidak positif, dan kompensasi berpengaruh signifikan dan positif terhadap minat mahasiswa fakultas ekonomi dan bisnis Islam berkarir di lembaga keuangan syariah.

Optimalisasi Zakat Perusahaan sebagai Instrumen Pengurang Pajak dalam Mendukung Pemerataan Ekonomi Muh Arief Budiman; Muhammad Sauqi; Nor Anina; Nor Hikmah Sari
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 2 (2026): April : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i2.2193

The implementation of corporate zakat in Indonesia remains relatively low despite its significant potential to support national economic development. This study aims to analyze the strategic role of corporate zakat as an instrument for reducing tax burdens and its contribution to economic equality. This research employs a literature review approach by examining relevant academic sources. The findings indicate that corporate zakat of 2.5% is obligatory for business entities that meet the nisab and haul requirements. Based on Law No. 23 of 2011 and Law No. 36 of 2008, zakat distributed through authorized institutions such as BAZNAS or LAZ can be deducted from taxable income. Corporate zakat not only fulfills religious obligations but also plays a vital role in wealth redistribution through social assistance and productive capital for mustahik. Therefore, optimizing corporate zakat can serve as a strategic instrument to promote sustainable economic justice in Indonesia. Effective policies and outreach from the government are also needed so that companies are more encouraged to pay zakat in a timely and transparent manner.

Efektivitas Pengelolaan Zakat Perusahaan dalam Mengurangi Kesenjangan Ekonomi: Perspektif Muamalah Muhammad Alfian; Randi Shodik; Muhammad Sauqi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 3 (2026): Mei : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i3.2215

This study aims to analyze the effectiveness of corporate zakat management in reducing economic inequality from the perspective of muamalah. The research employs a library research method with a qualitative-descriptive approach by examining various literature sources, empirical data, and regulations related to corporate zakat in Indonesia. The findings reveal that corporate zakat management achieves optimal effectiveness when zakat funds are distributed through a productive zakat scheme. This scheme is implemented through six main stages: preliminary surveys of beneficiaries, regular assistance, provision of business capital, business partner guidance, motivational training, and periodic evaluations of beneficiaries’ business development. However, practical implementation still faces several challenges. The allocation of funds for business capital among economically disadvantaged communities has only reached approximately 0.4%, while the majority of zakat funds, around 97.1%, are still utilized for consumptive assistance. This condition indicates that the economic empowerment function of zakat has not yet been fully optimized. Therefore, integrative solutions are required, including institutional strengthening through the establishment of Islamic microfinance units such as Baitul Maal wat Tamwil (BMT) internally, as well as stronger government regulations through tax deductible incentive policies externally to support the sustainable optimization of corporate zakat distribution.

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