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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 Eksis: Jurnal Riset Ekonomi dan Bisnis Review of Islamic Economics and Finance Mutawasith: Jurnal Hukum Islam Jurnal Dinamika Ekonomi Syariah 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 IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Jurnal Hukum Ekonomi Syariah : AICONOMIA Al-Muzdahir: Jurnal Ekonomi Syariah Qawwam Jurnal Informatika Ekonomi Bisnis Religia : Jurnal Ilmu-Ilmu Keislaman Birokrasi: Jurnal Ilmu Hukum dan Tata Negara 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 Referensi Islamika: Jurnal Studi Islam Saqifah: Jurnal Hukum Ekonomi Syariah
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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EKONOMI ISLAM IDEAL: ANTARA MORALITAS DAN REALITAS Mursal Mursal; Muhammad Fauzi
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 7, No 2 (2022): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v7i2.395

Abstract

Artikel ini bertujuan mendiskripsikan moral ekonomi dalam konteks perilaku masyarakat modern yang banyak mengalami perubahan perilaku moral sehingga perlu dijelaskan nilai nilai moral yang mengilhami semangat ekonomi islam. Metode;  tulisan ini menggunakan pendekatan kualitatif litaratur review, dengan hasil  menunjukkan bahwa konsep moral dalam realita ekonomi mempunyai dinamika dalam menginternalisasi porsi moral agama dan rasional dalam aktifitas ekonomi, manusia diberi kebebasan namun  dengan  memperhatikan  beberapa  nilai  antara  lain  Tauhid,  keseimbangan, keadilan   dan   tanggung   jawab   yang   akan   dihadapkan   kepada   allah   SWT orientasi kemaslahatan haruslah menjadi seimbang dengan kepentingan daruriat nafsh yang dipandu dengan moral agama.
HALAL ATAU HARAM CRYPTOCURRENCY SEBAGAI ALAT TRANSAKSI PEMBAYARAN?: MENDIALOGKAN DARI SUDUT PANDANG SYARIAH DAN REGULASI Muhammad Fauzi; Mursal Mursal
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 8, No 1 (2023): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v8i1.404

Abstract

People's lives and activities have become more Go-Digital. The proof can be seen from the means of payment transactions using digital currency (Cryptocurrency). Cryptocurrency is a decentralized system using peer-topeer technology (Blockchain) without being regulated and issued by a third party (such as a government/bank financial institution). It is different from fiat currency in physical form (paper money and coins) and non-physical fiat currency (giral money) which is centralized/regulated and issued by a third party. Therefore, this research aims to find out whether Cryptocurrency is halal or haram as a means of payment transactions by having a dialogue from a sharia point of view. This research also finds out whether Cryptocurrency is legal or illegal as a means of payment transactions by having a dialogue from a regulatory point of view in Indonesia. This research takes place using the Literature Review approach. This study shows that halal or haram Cryptocurrency as a means of payment transactions a dialogue from a sharia point of view, there are still differences of opinion, especially the parties giving fatwas (ulama, majlis, and sharia academics). Some parties decided Cryptocurrency was Halal (permissible/Mubah);, and some parties decided Cryptocurrency to Abstain; and some parties decided Cryptocurrency a total ban (Haram) (including MUI in Indonesia decided that Cryptocurrency as a means of payment was forbidden);. Meanwhile, a dialogue from a regulatory point of view in Indonesia, Cryptocurrency cannot yet become a means of payment transactions because they are contrary to existing laws and regulations and Bank Indonesia regulations. At the same time, Bank Indonesia has firmly stated that Cryptocurrency is an illegal means of payment transactions. In Indonesia, legal cryptocurrencies are only regulated in the regulations issued by PERMENDAG/BAPPETI, but only limited to commodities (assets).
Wakaf Pada Asuransi Jiwa Syariah: Analisis Pada Fatwa Dsn-Mui No:106/Dsn-Mui/X/2016 Muhammad Fauzi; Mursal Mursal; Muhammad Ridha DS
USRATY : Journal of Islamic Family Law Vol. 1 No. 2 (2023): USRATY : Journal of Islamic Family Law
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.
DETERMINANTS OF ADOLESCENT ATTITUDES TOWARDS ONLINE LOANS IN AN ISLAMIC ECONOMIC PERSPECTIVE Muthya Elika Fiqroh; Dafiar Syarif; Muhammad Fauzi
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 3 (2026): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v13i3.2040

Abstract

This study aims to analyze, from the perspective of sharia economics, how sharia financial literacy, self-control, and peer influence on adolescents' attitudes towards online loans in Kerinci Regency. The involvement of teens in legal and illegal online lending has become an important issue, as they are a vulnerable group influenced by their financial knowledge and social environment. This study used a quantitative method with a causal associative design and involved 96 respondents who were selected through purposive sampling. The research instrument was declared valid and reliable. Data were analyzed using multiple linear regression, t-test, F-test, and determination coefficient (R²). The results showed that, in part, Islamic financial literacy and self-control did not have a significant influence on adolescents' attitudes towards online lending, while peer influence had a positive and significant effect. Simultaneously, the three variables had a significant effect, with a value of R² 0.400. These findings emphasize that social factors, especially peer influence, are the main determinants that shape adolescents' attitudes toward online lending
Sharia Compliance In Digital Finance Platforms: Evidence From Women MSME Entrepreneurs Natasya Nabila Putri; Muhammad Fauzi; Alek Wissalam Bustami
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Volume 5 Nomor 1 Tahun 2026
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v5i1.259

Abstract

This study examines the use of digital Islamic financial platforms among women-owned micro, small, and medium enterprises (MSMEs) in Indonesia, a segment that continues to grow but remains underrepresented in the digital finance ecosystem. The main problem addressed in this research is the limited understanding and varied experiences of women entrepreneurs in accessing and utilizing Sharia based digital financial services, despite increasing national digitalization efforts. Using a qualitative approach, this study employs in depth interviews with selected women MSME owners to explore their conceptual understanding of Islamic digital finance, their practical experiences in using available platforms, and the opportunities and challenges they encounter in the process. The findings show that, while most participants understand general Sharia principles such as the prohibition of riba and the importance of transparent contracts, their comprehension of digital Islamic finance remains partial. The study also reveals that digital platforms offer greater convenience, efficiency, and access to capital, yet challenges persist, including limited digital literacy, inconsistent platform usability, and concerns about Sharia compliance.
At‑Tijārah al‑Mubīqah (Destructive Business and Trade): Qurʾān, Ḥadīth, Qawā‘id al-Fiqhiyyah and Maqāṣid al-Sharī‘ah Perspective Muhammad Fauzi; Al Mahdi; Arzam Arzam; Mursal Mursal
Religia: Jurnal Ilmu-Ilmu KeIslaman Vol 29 No 1 (2026)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/religia.v29i1.8595

Abstract

This study aims to analyse and formulate a conceptual framework of at‑tijārah al‑mubīqah  based on the perspectives of the Qurʾān, ḥadīth al‑sabʿu al‑mubīqāt, qawāʿid al‑fiqhiyyah, and maqāṣid al‑sharīʿah. Three research questions are addressed: (1) what is the conceptual definition of at‑tijārah al‑mubīqah, and how does it differ from ideal business and trade when viewed through the Qurʾān, ḥadīth, qawāʿid al‑fiqhiyyah, and maqāṣid al‑sharīʿah, with ḥadīth al‑sabʿu al‑mubīqāt as the main normative framework; (2) how can the manifestations of ḥadīth al‑sabʿu al‑mubīqāt be identified and explained as forms of at‑tijārah al‑mubīqah in the modern context through the analysis of qawāʿid al‑fiqhiyyah and the assessment of their impact on maqāṣid al‑sharīʿah; and (3) how can an integrated conceptual framework of at‑tijārah al‑mubīqah be constructed and function as a normative reference for contemporary business practice. This study employs a qualitative approach through library research, using a normative‑descriptive and analytical‑conceptual design. Data are collected from primary sources and reinforced by secondary sources, and analysed using content analysis combined with tafsīr mauḍūʿī, qawāʿid al‑fiqhiyyah, and maqāṣid al‑sharīʿah as analytical tools. The study shows that at‑tijārah al‑mubīqah encompasses all tijārah activities that contain one or more elements of ḥadīth al‑sabʿu al‑mubīqāt, identified through qawāʿid al‑fiqhiyyah as ḍarar that must be eliminated, and that substantially damage maqāṣid al‑sharīʿah at a significant, widespread, and sustained level. Seven main manifestations are identified in the modern business ecosystem: shirk, magic (siḥr), structural soul murder, ribā, consuming the wealth of orphans, betrayal of trust (amānah), and fitnah against the honour of Muslim women. To the best of the author’s knowledge, this is the first study to systematically construct at‑tijārah al‑mubīqah as a formal academic taxonomy in Islamic business ethics explicitly derived from ḥadīth al‑sabʿu al‑mubīqāt, while simultaneously integrating qawāʿid al‑fiqhiyyah and maqāṣid al‑sharīʿah into a single four‑layer conceptual framework. The study offers a novel reading, particularly of three categories of al‑mubīqāt in the landscape of modern business: the ḥadīth phrase “killing a soul is forbidden by Allah Subḥānahu Wa Taʿālā, except with ḥaq” is positioned as structural soul murder; the prohibition of “fleeing from the battlefield” is read as betrayal of trust (amānah); and “accusing a chaste Muslim woman of adultery (qadzaf)” is interpreted as fitnah against the honour of Muslim women. Accordingly, this study not only broadens the conceptual discourse but also enriches the ethical‑empirical mapping of destructive patterns within contemporary business ecosystems
ASSESSING THE IMPACT OF BUMDES KARYA DERMAWAN ON MAQASID SHARIA-BASED ISLAMIC ECONOMIC WELFARE: A DIFFERENCE-IN-DIFFERENCES ANALYSIS Yani, Yogi Ahmad; Fauzi, Muhammad; Yani, Ahmad; Agustiari, Agustiari
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNE
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.705

Abstract

This study aims to estimate the net impact, transmission mechanisms, and contribution of BUMDes Karya Dermawan to Maqasid Sharia-based Islamic Economic Welfare within the Dusun Dalam community. This research provides empirical evidence regarding the effectiveness of village economic institutions in enhancing both material and spiritual maslahah. This quantitative study utilizes a retrospective panel data design for the 2014–2025 period, involving 120 respondents (60 in the treatment group and 60 in the control group) selected via purposive sampling. The study explicitly acknowledges the potential for recall bias due to the retrospective nature of the survey, which was mitigated through data triangulation with village documentation. Data analysis was conducted using Difference-in-Differences (DiD) regression and Independent Sample t-test. The findings indicate a significant estimated net impact (DiD) of 8.064 (sig. 0.000) and a corrected post-intervention mean welfare difference of 5.969 (sig. 0.000) between the two groups. The transmission mechanisms identified through qualitative field observations occur through the Savings and Loans unit (functioning as qardhul hasan), agricultural machinery (Alsintan), and agricultural production facilities (Saprodi). The employment variable is proven to be the primary determinant in community welfare improvement. This study recommends strengthening the legal aspects of BUMDes business units by formalizing them into a certified Sharia-compliant system. The primary limitations of this study lie in its reliance on retrospective recall data and its restricted geographical scope. The primary value of this study lies in the application of a retrospective panel DiD framework over an 11-year horizon (2014–2025) to evaluate BUMDes performance through a holistic Maqasid Sharia lens, providing a more rigorous and balanced framework for assessing community-based economic empowerment.
The Structure of Criminal Judges' Legal Reasoning from the Philosophical Foundation of the First Principle of Pancasila Irwansyah, Irwansyah; Suriyani, Chairus; Fauzi, Muhammad
Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA Vol. 3 No. 4 (2025): Desember:Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA
Publisher : Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/birokrasi.v3i4.1901

Abstract

Criminal judges' legal reasoning determines how legal norms are connected to proven facts and how judicial decisions are justified. In Indonesia, this reasoning cannot be separated from Pancasila as the philosophical foundation of the state. This study analyzes the structure of criminal judges' legal reasoning from the perspective of the first principle of Pancasila, Belief in the One and Only God, and examines how divine values can function within judicial consideration without replacing positive law. The study employs normative juridical research using statutory, conceptual, philosophical, and case approaches. Legal materials are analyzed qualitatively through legal interpretation and argumentation. The analysis identifies a sequential reasoning structure comprising the identification of legal facts and issues, selection and interpretation of relevant norms, connection of norms to facts, assessment of evidence, evaluation of criminal responsibility, formulation of legal arguments, and determination of the decision. The first principle operates as a moral-philosophical foundation that reinforces honesty, integrity, impartiality, responsibility, proportionality, judicial independence, and respect for human dignity. The study proposes a three-layer model of judicial reasoning consisting of legal, rational, and moral-philosophical layers. This model clarifies that Pancasila-based reasoning should strengthen, rather than substitute, legality, evidence, and accountable judicial argumentation.
Co-Authors Abdul Muid Abdurrahmansyah Abdurrahmansyah, Abdurrahmansyah Agra Ditama, Rezki Agustiari Agustiari, Agustiari Ahmad Ihya Shalihin Ahmad Yani ahmad yani Aidil Novia Aidil Novia, Aidil Al Mahdi Alek Wissalam Bustami Alek Wissalam Bustami Alparedi, Topan Amanda, Eza Amin, Khoirul Arzam Arzam Asa'ari Asa'ari Asa'ari, Asa'ari ASTUTI, LAILY WIDYA Bundo, Mayang Bustami, Alex Wissalam Candra, Afrikal Cintyawaty, Adila Dafiar Syarif Dafiar Syarif dafiar, dafiar Daro, Yasinta Aloysia Delli Ridho Hayati Deni Efizon Ditama, Rezki Agrisa Ditama, Rezki Agrisa Duhriah Duhriah Efendi, Faisal Eriawati, Yossi Fadhilah Hanum Lubis Faisal Efendi Fajar Budiman Fitri, Khatimul Fitri, Meliani Hajriani, Sesilia Hartono, Rudi Hendra Lardiman Hulwati Hulwati Hulwati Hulwati Ilham, Elgi Muhammad Ira Sumarni Irwansyah Irwansyah Karoma, Karoma Kurniawan, Mhd. Kusnadi Kusnadi Kusnadi Lia Mardiana Lika Akana Helmi M. Hidayat Ediz Mahdi, Al- Maimun Rizalihadi Mardianton, Mardianton Mohd Fauzan Moosa, Riyad Muhammad Ridha DS Mursal Mursal Mursal Mursal Mursal Mursal Mursal Mursal Mursal Mursal, M Mursal, Mursal - Musdizal Musdizal Muthya Elika Fiqroh Natasya Nabila Putri Nenengsih, Nenengsih Nopita Sari Nuraiman, Nuraiman Ochi Aprila Paisal Rahmat Perawati Perawati, Perawati Rafzan, Rafzan Rahmat, Fawza Raihani, Hulfa Rosadi, Dea Rozalinda Rozalinda Septiarti, Mela Septiyawati Septiyawati Sipuldi, S Sriwardona, Sriwardona Suci Mahabbati Suriyani, Chairus Syaputra, Andra Syarif, Defiar Tutut Handayani Widia Sulastri Wiyan Mailindra, Wiyan Yani, Yogi Ahmad Yogi Ahmad Yani Yosi Mardoni Yurisia, Rara Zufriani Zufriani Zufriani, Zufriani Zul Ihsan Muarif Zulkifli, Musa