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All Journal Jurnal Ekonomika ASAS : Jurnal Hukum Ekonomi Syariah An-Nisbah: Jurnal Ekonomi Syariah Jurnal Ilmiah Ekonomi Islam FOKUS: Jurnal Kajian Keislaman dan Kemasyarakatan Al-Amwal : Journal of Islamic Economic Law At-Tawassuth: Jurnal Ekonomi Islam International Journal of Social Science and Business Review of Islamic Economics and Finance Mutawasith: Jurnal Hukum Islam AL-FALAH : Journal of Islamic Economics El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Iqtisaduna Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah ProBisnis : Jurnal Manajemen Cakrawala: Jurnal Studi Islam JIEBS: Journal of Islamic Economics and Bussiness Studies Journal of Islamic Economics Lariba Jurnal Hukum Ekonomi Syariah : AICONOMIA Al-Muzdahir: Jurnal Ekonomi Syariah Qawwam Jurnal Informatika Ekonomi Bisnis Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan USRATY : Journal of Islamic Family Law Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah An-Nisbah: Jurnal Ekonomi Syariah J-Mabisya Risalah Iqtisadiyah: Journal of Sharia Economics Samara: Journal of Islamic Law and Family Studies JIEFIS: Journal of Islamic Economics and Finance Studies
Muhammad Fauzi
Institut Agama Islam Negeri Kerinci
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Literasi Ekonomi Islam: Potret Pada Alumni IAIN Kerinci Mursal, Mursal; Fauzi, Muhammad; Ditama, Rezki Agrisa
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. IX | No. 1 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v9i1.19747

Abstract

This study aims to look at Islamic economics literacy on alumni of FEBI IAIN Kerinci, both in terms of knowledge, understanding and ability to apply attitudes (actions) from Islamic economics material that was studied during college into everyday life. This research uses a qualitative descriptive method, relying on verified data from interviews and observations on alumni of FEBI IAIN Kerinci as the main source, which is analyzed using data reduction, data display and data verification methods. The results of the research show that the Islamic economics literacy on alumni of FEBI IAIN Kerinci shows that some of them have knowledge and understanding of Islamic economics at the Sufficient Literate level, and also some of them also have knowledge and understanding at Less Literate, and even some of them have knowledge and understanding is at Not Literate. This is how it is implemented, it appears that some have been able to apply it in their daily economic activities well, but others are still not able to apply it in their daily economic activities.
Analisis Hukum Ekonomi Syariah Mengenai Online Marketplace Shopee (Studi perbandingan Akad Qardh, Fatwa DSN No 19/DSNMUI/IV/2001 dan ketentuan perjanjian Fitur "SPinjam") Hajriani, Sesilia; Mursal, Mursal -; Fauzi, Muhammad
Al-Amwal : Journal of Islamic Economic Law Vol. 8 No. 2 (2023): Al-Amwal : JOURNAL OF ISLAMIC ECONOMIC LAW
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v8i2.4323

Abstract

This study aims to determine how the Qardh Akad Analysis in the SPinjam Feature on the Shopee Application. Shopee Pinjam (SPinjam) is an online cash loan product that offers loans with a fast, safe, minimal risk and unsecured process. So that SPinjam becomes an alternative for people who need funds. because Indonesia is a majority Muslim community, this Marketplace must be adjusted to Sharia provisions. There is no Fatwa specifically related to the Marketplace. The formulation of the problem in this study How is the mechanism of Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application, How is the Analysis of the Conformity of Qardh Akad with the Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application and How is the Analysis of DSN-MUI Fatwa No: 19/DSNMUI/IV/2001 with the Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application.This type of research is library research, the data analysis method uses normative descriptive methods, uses a fatwa approach and inductive thinking. The results of this study indicate that: Users of the SPinjam feature in the Shopee application are Shopee application users who have reached the gold member level with a certain credit limit. The loan consists of a disbursement fee of 1% monthly installment fee (5%/month) and a monthly SPinjam protection fee (0.25%/month). The conformity between DSN MUI Fatwa No.19/DSN-MUI/IV/2001 and the SPinjam Terms and Conditions of Service document can be concluded that it is not fully in accordance with the provisions of sharia principles. The conflicting points of the SPinjam Document are related to the following; loan repayment system in the form of credit, late fees, loan interest, risk of credit failure for borrowers and dispute resolution institutions
Wakaf Pada Asuransi Jiwa Syariah: Analisis Pada Fatwa Dsn-Mui No:106/Dsn-Mui/X/2016 Fauzi, Muhammad; Mursal, Mursal; DS, Muhammad Ridha
USRATY : Journal of Islamic Family Law Vol. 1 No. 2 (2023): Editions July-December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/usraty.v1i2.7570

Abstract

Perwakafan di Indonesia secara terus meneurus dilakukan pengembanganya, terutama adanya pengembangan konsepsi berwakaf dalam bentuk asuransi jiwa syariah. DSN-MUI telah menetapkan kebolehanya, sebagaimana yang termuat didalam fatwa yang bernomor 106 pada tahun 2016. Karena itu, penelitian ini bertujuan untuk menganalisis konsep dan ketentuan hukum wakaf pada asuransi jiwa syariah yang diatur berdasarkan Fatwa DSN-MUI No: 106/DSN-MUI/X/2016. Penelitian ini adalah penelitian deskriptif kualitatif. Pengumpulan data berifat kepustakaan (metode library research), dengan menggunakan Fatwa DSN-MUI No: 106/DSN-MUI/X/2016 sebagai sumber primer, dan dengan mempergunakan content analysis sebagai alat analisis data. Pada wakaf manfaat asuransi ketentuan yang harus diperhatikan, seperti pihak yang ditunjuk untuk menerima manfaat asuransi menyatakan janji yang mengikat untuk mewakafkan manfaat asuransi, dan juga memperhatikan manfaat asuransi yang boleh diwakafkan paling banyak 45% dari total manfaat asuransi, dan juga semua calon penerima manfaat asuransi yang ditunjuk atau penggantinya menyatakan persetujuan dan kesepakatannya, serta memperhatikan ikrar wakaf dilaksanakan setelah manfaat asuransi secara prinsip sudah menjadi hak pihak yang ditunjuk atau penggantinya. Sementara, kententuan wakaf manfaat investasi yang harus diperhatikan, seperti kadar jumlah investasi yang boleh diwakafkan paling banyak 1/3 dari total kekayaan dan/atau tirkah, kecuali disepakati lain oleh semua ahli waris.  Selain dari itu, mengenai ketentuan ujrah terkait produk wakaf, dimana harus memperhatikan dua hal, yaitu ujrah tahun pertama paling banyak 45% dari kontribusi regular dan akumulasi ujrah tahun berikutnya paling banyak 50% dari kontribusi regularWaqf in Indonesia is continuously being developed, especially the development of the concept of waqf in the form of sharia life insurance. DSN-MUI has determined its permissibility, as contained in fatwa number 106 in 2016. Therefore, this research aims to analyze the concept and legal provisions of waqf in Islamic life insurance which is regulated based on Fatawa DSN-MUI No: 106/DSN-MUI/X/2016. Data collection is in the form of literature (library research method), using Fatawa DSN-MUI No: 106/DSN-MUI/X/2016 as a primary source, and using Content Analysis as a data analysis tool. In the waqf of insurance benefits, provisions must be taken into account, such as the party appointed to receive the insurance benefits stating a binding promise to donate the insurance benefits, and also pay attention to the insurance benefits that can be donated at a maximum of 45% of the total insurance benefits, and also all potential recipients of insurance benefits the appointed person or his/her successor expresses his or her approval and agreement, and pay attention to the waqf ikrar carried out after the insurance benefits have in principle become the rights of the appointed party or his successor. Meanwhile, the provisions of waqf for investment benefits must be taken into account, such as the amount of investment that can be donated is a maximum of 1/3 of the total wealth and/or tirkah, unless agreed otherwise by all the heirs. Apart from that, regarding the ujrah provisions related to waqf products, two things must be taken into account, namely the first year's ujrah is a maximum of 45% of the regular contribution and the accumulation of the following year's ujrah is a maximum of 50% of the regular contribution.
Muslim Prosperous Family (MPF) Consumption in Koto Tuo Ujung Pasir Village: Is It Consistent with Islamic Consumption Behaviour? Fauzi, Muhammad; Kurniawan, Mhd.
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.29

Abstract

This study aims to see the consumption behaviour of Muslim Prosperous Family (MPF) in Koto Tuo Ujung Pasir Village in line (consistent) with consumption behaviour Islamic economic. This study uses a qualitative approach, and data sources are collected from primary sources using Miles and Huberman model as a data analysis tool. The results of this study show consumption behaviour of MPF is in line with the consumption behaviour of Islamic economics, it can be seen from of balanced behaviour in consumption (such consumption for oneself, family, and Fisabilillah), spending wealth in halal and good ways. However, there are still some consumption behaviours of MPF that are not in line with consumption behaviour Islamic economics, it can be seen from in form of behaviour for oneself and the family that reflects more wasteful (Tabzir), royal (Israf), and also makes Ribawi loans at Conventional Banks in order to obtain luxury goods. This study can add to the existing reading of Islamic economics literature, because this study is based on the theory and concept of consumption behavior in Islamic economics to see MPF consumption behavior. This study also has many limitations, so it is open for further research to examine it in depth.
Peran Kalangan Milenial Terhadap Pengembangan Ekonomi Syariah Di Kabupaten Mandailing Natal Rahmat, Paisal; Fitri, Meliani; Hanum Lubis, Fadhilah; Fauzi, Muhammad
Risalah Iqtishadiyah Vol 2 No 1 (2023): January - June 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i1.30

Abstract

Millennials are people who are very attached to technology and the internet. Millennials prefer everything that is instant and efficient. The role of millennials in the sharia economy in Indonesia is to develop technology that can facilitate the Indonesian people in carrying out economic activities that are more efficient and not wasting time, millennials can disseminate sharia economic products through social media in Indonesia or abroad. This article aims to determine the role of millennials in the Islamic economy in Indonesia. The instrument in this study is an inductive thinking model and interviews with research informants. Based on interviews conducted by researchers, they found that millennials have had a positive impact on the Islamic economy in Indonesia, namely: 1) introducing Islamic economics to society, 2) developing Islamic economic products, 3) adding new innovations to the Islamic economy through existing technology.
The Concept of Islamic Economic Fiqh in Mu’amalah Perspective Efendi, Faisal; Candra, Afrikal; Mardianton, Mardianton; Fauzi, M.; Ilham, Elgi Muhammad; Sumarni, Ira
Samara: Journal of Islamic Law and Family Studies Vol. 1 No. 1 (2023): December
Publisher : Samara: Journal of Islamic Law and Family Studies

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

Abstract

Islamic Economic Fiqh is an important foundation for understanding and applying economic principles in Islam, with a special focus on muamalah or daily life transactions. This discussion aims to find out the concept of Islamic economic jurisprudence from several experts and also aims to find out what is the scope of the discussion of Islamic economic jurisprudence (Fiqh Iqtishad). Islamic economic jurisprudence is knowledge about activities or transactions based on Sharia law and about human behavior in their lives obtained from detailed Islamic postulates. The scope of Islamic economic jurisprudence is all human economic activities based on Islamic law in the form of regulations containing commands or prohibitions such as obligatory, sunnah, haram, makruh, and permissible. In general, the scope of Islamic economics includes economic aspects, including Syirkah and mudharabah, murabahah, khiyar, istisna, ijarah, salam, kafalah, hawalah, and others. However, the aspect of cooperation that is most often carried out is profit sharing, namely Syirkah, and mudharabah. Fiqh law consists of legal laws regarding matters of worship about the vertical relationship between humans and Rabb and human relationships with other humans.
Analysis of the Phenomenon of the Transfer of Waqaf Assets in Muslim Societies Zulkifli, Musa; Syaputra, Andra; Fauzi, M.; Ediz, M. Hidayat; Nuraiman, Nuraiman
Samara: Journal of Islamic Law and Family Studies Vol. 2 No. 1 (2024): June
Publisher : Samara: Journal of Islamic Law and Family Studies

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

Abstract

This research was motivated by discovering waqf land originally built with a prayer room (mushalla). The position of this waqf land is on a hill. However, the prayer room that had been built there was dismantled by the wakif's descendants and moved to another location. The location of the prayer room which was demolished was then used to build a house. This research aims to analyze the transition of the function of waqf land according to Law Number 41 of 2004. This research uses qualitative research methods with a descriptive approach. Data sources include direct interviews, observation, and documentation. The author uses a normative juridical and empirical juridical approach in analyzing the transition of the function of waqf land by Law Number 41 of 2004. Based on the results of this research analysis, the results showed that first, the public's view of the transfer of waqf land shows that some people still do not know the laws governing waqf land. This is proven by the existence of several individuals who have transferred the function of waqf land. Second, the waqf land originally had a prayer room on it and was located on a hill. The prayer room was dismantled by the wakif's grandchildren and reused elsewhere. The location of the prayer room which was demolished was then used by the wakif's grandchildren to build a house. Third, an analysis of Law Number 41 of 2004 concerning the Transfer of Waqf Land shows that the status of waqf land that has been allocated is prohibited from being changed or transferred in any form except for exchange for the public interest by the spatial planning contained in Law Number 41 of 2004 concerning Waqf Articles 1 and 2.
The Meaning of Consuming Halal Products According to Muslim Millennial Generation in Realizing Of Maqasid Sharia “Maslahah” Mursal, Mursal -; Fauzi, Muhammad; Rakhmat Putra, Alan; Mahdi, Al
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 2 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v10i2.6485

Abstract

Purpose  – This study aims to explore the meaning of the concept of halal product consumption by millennial Muslims as part of their identity and lifestyle. The main focus is to understand how millennial Muslims interpret halal product consumption not only as a religious rule but also as a symbol of quality, and social identity. Method – The research method used is quantitative and qualitative, qualitative data collection using in-depth interviews with 10 informants and supported by survey data from 70 millennial Muslim generation respondents with purposive sample techniques. The respondents came from students of the Sharia Faculty of IAIN Kerinci, Study Program "Islamic Law and Sharia Economic Law", semester 7 and above. The population was 120 students using a questionnaire instrument with 10 question items. The data were analyzed to identify the main themes related to the meaning of the concept of halal product consumption in everyday life Result –The results of the study show that millennial Muslims have a broader meaning of halal, including aspects of sustainability, ethics, and health. Halal is no longer limited to food, but has become a lifestyle that includes the beauty, fashion, and financial sectors. This generation sees halal products as a marker of identity, allowing them to express their religious commitment in modern society. In addition, halal is also seen as a symbol of quality and safety that provides a sense of comfort in social interactions, thus attracting both Muslim and non-Muslim consumers. Implication – As a practical implication, the results of this study can be used as one of the information for halal industry researchers. This study provides a picture that halal has transformed into a symbolic direction and is in the midst of society.
Main Economic Problems: Conventional and Islamic Perspectives Yosi Mardoni; Muhammad Fauzi; Duhriah Duhriah; Faisal Efendi; Kusnadi Kusnadi
Journal of Islamic Economics and Finance Studies Vol. 1 No. 1 (2025): June
Publisher : Journal of Islamic Economics and Finance Studies

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

Abstract

This study aims to analyze the main economic problems from conventional and Islamic perspectives. This is based on the fact that conventional economists view the main problem of economics as scarcity. Scarcity occurs as a result of an imbalance between society's needs. However, Muslim economists have different views from conventional economists, even within Muslim economists they still have different opinions regarding the main economic issues. In this research, the methodology used is descriptive with a qualitative approach. The data used is secondary data in the form of literature which discusses the object of this research. Research analysis was carried out in steps, such as material collection, descriptive analysis, discussion and intuitive-subjective evaluation of the material. The findings show that  there is a fundamental difference in the perspective on the main economic problems between conventional economic views and Islamic economics.. Conventional economics focuses more on product objects so that the focus of problems is centered on the limitations and scarcity of products in order to meet human physical needs only. This perspective is different from Islamic economics which places greater emphasis on human objects so that the focus of problems is not only focused on products alone, but also on human empowerment to be able to prosper themselves, their families, society and the country. This is one of human efforts in realizing/maintaining Maqashid Sharia (Mashlahah) and achieving Falah. Islam views that human dignity is an essential thing, so that every human being plays a role in achieving happiness in life.
Yurisprudensi Ulama Klasik Dalam Putusan Akad Murabahah di Pengadilan Agama Dari Tahun 2014-2024 Moosa, Riyad; Septiarti, Mela; Fauzi, Muhammad; Mursal, Mursal
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

Abstract

The rapid development of Islamic banking in Indonesia has rendered murabahah contracts the most dominant financing scheme; however, their implementation has frequently generated legal disputes adjudicated by the Religious Courts, particularly those concerning default, the determination of profit margins, the application of penalty clauses, and the execution of collateral auctions. This study aims to examine the patterns of murabahah dispute resolution by the Religious Courts in Indonesia during the 2014–2024 period by analyzing the application of classical Islamic jurisprudence (fiqh) and ushul fiqh principles in judicial reasoning. Employing a normative–empirical approach, this research applies content analysis to 62 court decisions obtained from official sources using the keyword “murabahah.” The findings indicate that default-related disputes constitute the most dominant category, accounting for 41 decisions. In their legal reasoning, judges refer to the Compilation of Sharia Economic Law (KHES) and classical fiqh principles, particularly the prohibition of riba in assessing the legitimacy of profit margins and penalties, the principle of justice (al-‘adl) in balancing the rights and obligations of the parties, and the concept of maslahah in evaluating the implications of judicial decisions for the interests of the parties and the stability of Islamic banking. Nevertheless, the study identifies inconsistencies in judicial decisions arising from divergent judicial interpretations. Therefore, this study recommends strengthening judges’ understanding of fiqh mu‘amalah, harmonizing legal interpretations, and enhancing contractual transparency to reinforce legal certainty in Islamic banking practices in Indonesia.
Co-Authors Abdul Muid Abdurrahmansyah Abdurrahmansyah, Abdurrahmansyah Agra Ditama, Rezki Agustiari Agustiari Agustiari, Agustiari Ahmad Ihya Shalihin ahmad yani Ahmad Yani, Yogi Aidil Novia Aidil Novia, Aidil Akana Helmi, Lika Alparedi, Topan Amanda, Eza Amin, Khoirul Asa'ari Asa'ari Asa'ari, Asa'ari ASTUTI, LAILY WIDYA Bundo, Mayang Bustami, Alek Wissalam Candra, Afrikal Cintyawaty, Adila Dafiar Syarif Dafiar Syarif Dafiar Syarif dafiar, dafiar Daro, Yasinta Aloysia Delli Ridho Hayati Deni Efizon Ditama, Rezki Agrisa Ditama, Rezki Agrisa Ds, Muhammad Ridha Duhriah Duhriah Efendi, Faisal Eriawati, Yossi Faisal Efendi Fajar Budiman Fitri, Khatimul Fitri, Meliani Hajriani, Sesilia Hanum Lubis, Fadhilah Hartono, Rudi Hendra Lardiman Hulwati Hulwati Hulwati Hulwati Ilham, Elgi Muhammad Karoma, Karoma Kurniawan, Mhd. Kusnadi Kusnadi Kusnadi M. Hidayat Ediz Mahdi, Al Mahdi, Al- Maimun Rizalihadi Mardiana, Lia Mardianton, Mardianton Mohd Fauzan Moosa, Riyad Mursal Mursal Mursal Mursal Mursal Mursal, M Mursal, Mursal Mursal, Mursal - Musdizal Musdizal Nenengsih, Nenengsih Nopita Sari Nuraiman, Nuraiman Ochi Aprila Paisal Rahmat Perawati Perawati, Perawati Rafzan, Rafzan Rahmat, Fawza Raihani, Hulfa Rakhmat Putra, Alan Rozalinda Rozalinda Septiarti, Mela Septiyawati Septiyawati Sipuldi, S Sriwardona Sriwardona Suci Mahabbati Sulastri, Widia Sumarni, Ira Susilawati, Susilawati Syaputra, Andra Syarif, Dafiar Syarif, Defiar Tutut Handayani Wiyan Mailindra, Wiyan Yosi Mardoni Yurisia, Rara Zufriani Zufriani Zufriani, Zufriani Zul Ihsan Muarif Zulkifli, Musa