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All Journal al-Afkar, Journal For Islamic Studies Ruhama : Islamic Education Journal Al-Kharaj: Journal of Islamic Economic and Business Mumtaz: Jurnal Studi Al-Quran dan Keislaman Jurnal Kewarganegaraan An Nawawi DEVELOPMENT : Journal of Community Engagement Journal of Indonesian Islamic Studies Legal Protection for the Partnership Agreement Parties Golden Ratio of Data in Summary Jurnal Indonesia Sosial Sains International Journal of Islamic Thought and Humanities El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam FIQHUL HADITS: Jurnal Kajian Hadits dan Hukum Madania: Jurnal Kajian Keislaman Journal of Law and Nation
Hidayat Hidayat
Institut Ilmu Al-Quran (IIQ) Jakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences Other

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Analisis Akad Kerjasama Bank Syariah Indonesia dengan Pondok Pesantren Darurrahmah Bogor Jawa Barat dan Kesesuaiannya dengan Fatwa DSN-MUI Hidayat; Moehammad Abdul ‘Aziz; Taufiq Ramadhan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.6116

Abstract

The contain research in this analysis is about the contract used by Darurrahmah Islamic Boarding School and Bank Syariah Indonesia. This research is literature and field research by emphasizing the quality of data obtained from the literature focused on examining the role of Bank Syariah Indonesia in Darurrahmah Boarding School Bogor, West Java. The approach used by the researcher was descriptive qualitative by providing solutions to problems by collecting data, compiling, classifying, analyzing, evaluating, and interpreting them. The sources of data used in this study were in the form of primary sources, namely Bank Syariah Indoensia and the Boarding School Administration Division, as well as books related to this. In addition, there were also some secondary sources i.e. a journal entitled “Prospek dan Kendala Bank Syariah di Era Globalisasi” by Siti Yunitarini. The results show that the contract used by Darurrahmah Islamic Boarding School and Bank Syariah Mandiri branch of Cibubur related to monthly salaries and tuition fees for students are mudharabah muthlaqah and wadi'ah yad dhamanah contracts with the provisions described in this thesis. The author also concludes that there is an agreement between the contracts and the DSN-MUI fatwa related to these contracts in terms of the form for creating new savings accounts with the DSN-MUI fatwa accompanied by the results of interviews with several staff at the central and branch of Bank Syariah Mandiri
PERLINDUNGAN HUKUM UNTUK WISATAWAN MUSLIM DI INDONESIA BERDASARKAN PERATURAN PERUNDANG UNDANGAN DAN HUKUM ISLAM Rully Putra Jaya; Hidayat
JOURNAL OF LAW AND NATION Vol. 1 No. 4 (2023): Journal of Law and Nation
Publisher : INTELIGENSIA MEDIA

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

Abstract

The results of this study explained the following: First, Government laws and Regulations regarding tourism are considered to be able to protect tourists in general but have not regulated and protected the rights of muslim tourists specifically. Second, law number 8 0f 1999 concerning consumer protection is considered to protect tourists. However, when it is used for seeking justice through the courts, it needs to be interpreted differently in muslim tourist disputes, According to Arcticle 46, the term general courts is interpreted as religios coursts. Third, Government Laws and regulations regarding halal product assurances are very effective in efforts to provide security and comfort in terms of consumptions of muslim tourists. Fourth, the current local government regulation is an alternative positive regulation that is applicable to halal tourism. Fifth, The Fatwa Of National Sharia Board (DSN) nomber 108 0f 2016 of concerning halal tourism that is used a guideline for halal tourism regulations is still limited, as it only applies to regions that apply local governmant regulations on halal tourism. Sixth, The Fatwa Of DSN-MUI does not have binding legal force until it is adopted to the Government Laws And Regulations
Islamisasi Perbankan dan Prospek Indonesia Tahun 2025 Menjadi Negara Maju Baldatun Tayyibatun Wa Rabbun Ghafur di Masa Pandemi Covid-19 Hidayat Hidayat; Abdi Syahrial Harahap
Jurnal Kewarganegaraan Vol 9 No 2 (2025): Desember 2025
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jk.v6i3.3874

Abstract

AbstrakTulisan ini menjelaskan terdapat beberapa cara bisa ditempuh untuk keluar dari masalah pandemic ini. Sebagai umat Islam, solusi yang ditawarkan tidak hanya bersifat sementara yaitu selamat di dunia tapi juga selamat dan berbahagia di akhirat. Adapun jalan yang terbaik untuk menyelesaikan masalah ini dua cara yaitu ikhtiyar dan berdoa/bertawakkal. Ikhtiyar, yaitu usaha sungguh-sungguh seseorang, yang dilakukan untuk bisa keluar dari suatu masalah yang ditimpakan kepadanya. Ada beberapa usaha yang bisa dialakukan baik perorangan, masyarakat ataupun negara berhadapan dengan covid-19Kata Kunci:  Islamisasi, Negara Maju, Perbankan AbstractThis paper explains that there are several ways that can be taken to get out of this pandemic problem. As Muslims, the solution offered is not only temporary, namely surviving in the world but also surviving and being happy in the hereafter. The best way to solve this problem is two ways, namely endeavor and praying/ praying. Endeavor, that is, the earnest effort of a person, made to get out of a problem that is inflicted upon him. There are several efforts that can be done, both individuals, communities and countries dealing with covid-19Keywords: Islamization, Developed Countries, Banking
Pengaruh Pembiayaan Murâbahah Dan Mudhârabah Terhadap Kesejahteraan Nasabah (Studi Kasus Pada Bank Syariah Indonesia KCP BSD Tangerang Selatan) Aam Ridwan; Umi Khusnul Khotimah; Hidayat
FIQHUL HADITS : Jurnal Kajian Hadits dan Hukum Islam Vol 2 No 1 (2024): FIQHUL HADITS: Jurnal Kajian Hadits dan Hukum Islam
Publisher : Ma'had Aly PP. Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66090/fiqhulhadits.v2i1.11

Abstract

At this time there are not a few banks that carry out activities conventionally or based on sharia principles. Currently the development of the Islamic financial market (Financial Market Sharia) is rife in the world, especially in countries with a majority Muslim population. This was marked by the establishment of the Islamic Financial Market in Kuala Lumpur which was pioneered by Islamic countries. The progress of the Sharia Financial Market in Indonesia, especially in Islamic banking and insurance is quite significant, followed by the Islamic capital market and pawnshops. Many financing contracts are carried out in the practice of Islamic financial institutions, for example murabahah, mudharabah, ijarah, musyarakah and so on. In this thesis the authors focus on murabaha and mudharabah financing.The design used in this study is a correlational analysis design (a problem to find a relationship between two phenomena) precisely causal correlation. Data collection uses research instruments, data analysis is quantitative/statistical. The primary data used in this study are 132 customers who received financing according to the criteria and the secondary data in this study are in the form of documents and archives at Bank Syariah Indonesia which contain reports on customer funds that carry out murabaha and mudharabah financing. The sampling technique in this study used purposive sampling, which is a method of determining respondents to be sampled based on certain criteria. Based on the results of data analysis with the help of the SPSS 26.0 program, research that has been conducted at Bank Syariah Indonesia KCP BSD Tangerang using linear regression analysis through SPSS program data processing shows that, (1) There is an effect of Murabahah financing on the welfare of customers of Bank Syariah Indonesia KCP BSD Tangerang. The statistical test results showed that Fcount = 27,898 at db 1 and 94 was 3.94 at the 5% level. Based on the explanation above, 27,898 > 3.94 at the 5% level, so H0 is rejected, meaning that there is an influence of Murabahah financing on customer welfare of Mandiri Syariah Bank KCP Tangerang, (2) There is an influence of Mudharabah financing on the welfare of customers of Bank Syariah Indonesia KCP BSD Tangerang. The statistical test results showed that Fcount = 15.048 at db 1 and 34 was 4.13 at the 5% leve
SOSIALISASI FIKIH MUAMALAT PRAKTIS DALAM KEHIDUPAN SEHARI-HARI: PENCEGAHAN JERATAN PINJOL DAN RIBA DI MASJID NURUL HILAL CENGKARENG Hidayat
DEVELOPMENT: Journal of Community Engagement Vol. 1 No. 2 (2022): September
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/1qsznw29

Abstract

Cengkareng District, West Jakarta, as one of the most densely populated areas in DKI Jakarta, faces complex socio-economic challenges in the second decade of the 21st century. Modern financial phenomena, marked by the aggressive penetration of Financial Technology (Fintech), specifically Peer-to-Peer Lending (Pinjol) and Paylater features, have created new vulnerabilities among low and middle-income communities. Based on data from the 2019 National Survey of Financial Literacy and Inclusion (SNLIK) by the Financial Services Authority (OJK), there is a concerning gap between the national financial inclusion index reaching 76.19% and the sharia financial literacy index which remains stagnant at 8.93%. This disparity creates a void where the community accesses financial products without adequate understanding of risks and sharia compliance, resulting in widespread "robbing Peter to pay Paul" practices and entrapment in daily interest rates. This community service research, initiated by Dr. Hidayat, MA, aims to deconstruct conventional economic preaching approaches through the implementation of the Participatory Action Research (PAR) method. Located at Nurul Hilal Mosque, Kapuk Subdistrict, this research does not merely provide passive counseling but involves active community participation in four dialectical cycles: Mapping (To Know), Planning (To Plan), Action (To Act), and Reflection (To Reflect). The primary intervention focus is replacing theoretical and elitist fiqh contracts with applicable fundamental materials, namely the ontological distinction between Sale and Purchase (Bai') and Usury (Riba), as well as the ethics of Debts (Qardh) in the context of the digital economy. The results show that the PAR approach is effective in building the congregation's critical awareness. The Mapping Phase revealed that 70% of research subjects were unaware that late fees on Paylater applications are a form of contemporary jahiliyyah usury. The Planning Phase produced the "Anti-Default Fiqh" curriculum innovation which translates DSN-MUI Fatwas into market language. The Action Phase through the "Muamalah Clinic" successfully mediated the settlement of debt disputes amicably, while the Reflection Phase gave birth to social institutionalization in the form of the "Productive Infaq Movement" based on Ta'awun. This research concludes that the economic empowerment of the ummah cannot be conducted top-down but must grow from collective consciousness regarding the theological and sociological dangers of the usury system.
Implementation of Baznas RI Decree Number 1 of 2024 Concerning the Nisab of Income Zakat and Its Impact on Civil Servant Compliance jamal; Hidayat; Hendra Kholid
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8404

Abstract

The Decree of the Chairman of BAZNAS RI Number 1 of 2024 provides clear guidance on the provisions and procedures for calculating zakat on income and services, with the hope of increasing awareness and compliance among State Civil Apparatus (ASN). This study focuses on analyzing the implementation of this decree at BAZNAS RI and evaluating its impact on the compliance of State Civil Apparatus (ASN) in paying zakat on income and services. In conducting this research, the author used a field research method with a qualitative research type in the form of a case study with an empirical juridical (socio-legal) approach. The results of the study show that: First, the Decree of the Chairman of BAZNAS RI No. 1 of 2024 stipulates zakat on income with a nisab of 85 grams of gold and a level of 2.5% of gross income. This decree uses the qiyas syabah approach which combines the principles of gold zakat (nisab and level) with agricultural zakat (payment time). Second, the Implementation of the Decree of the Chairman of BAZNAS RI No. 1 of 2024 was carried out with three approaches, namely: (1) Implementation of the Integrated Marketing Communication (IMC) strategy by combining the Above The Line (ATL) and Below The Line (BTL) approaches, (2) segmentation of prospective muzakki, (3) establishing cooperation with the National Zakat Collection Institution (LAZNAS). Third, the Implementation of the Decree of the Chairman of BAZNAS No. 1 of 2024 has had a significant impact on the collection of income and service zakat. This is indicated by a 20.62% increase in BAZNAS's zakat maal collection in the first semester of 2024.
The Transformation of the Kafālah and Ḥawālah Contracts into the Muʻāwaḍah Contract Maṣlaḥah Perspective: An Analytical Study of DSN-MUI Fatwa Abdul Aziem; M. Dawud Arif Khan; Hidayat Hidayat
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.8933

Abstract

This research is motivated by the paradigm shift of kafālah and ḥawālah contracts within the Islamic finance industry in Indonesia. While classical jurisprudence categorizes these contracts as non-profit tabarruʻ (social) contracts, the fatwas issued by the National Sharia Council of the Indonesian Ulama Council (DSN-MUI) have transformed them into muʻāwaḍah (commercial) contracts through the implementation of ujrah (fees). This study aims to analyze the form of this contract transformation, examine the ijtihad methods and approaches employed by DSN-MUI, and explore the substance of maṣlaḥah (public interest) that validates this shift, particularly in supporting the halal economy and tourism ecosystem. The research employs a qualitative method with a library research design, utilizing content and conceptual analysis approaches on relevant fatwas. The results indicate that: (1) The transformation of kafālah and ḥawālah contracts in DSN-MUI fatwas substantively shifts them into ijārah (lease of services) or wakālah bi al-ujrah contracts, which is valid based on the principle of legal substantiality. (2) DSN-MUI utilizes the intiqā’ī (selective) ijtihad method combined with manhajī approaches, specifically at-taysīr al-manhajī (methodological facilitation) and iʻādah an-naẓar (re-evaluation) of classical legal causes (ʻillat). (3) The substance of maṣlaḥah in this transformation is manifested in mutual interest (sustainability of financial institutions), product flexibility (such as support for smart tourism), and the effectiveness of legal certainty within Indonesia's positive law.
Carbon Trading in Indonesian Based on Financial Services Authority Regulation Number 14 of 2023 Reviewed from Maqāṣid as-Syarī'ah and Green Economy Elsa Febiola Aryanti; Hidayat Hidayat; Nurkhalis Muchtar
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.8934

Abstract

Carbon trading is a strategic market instrument designed to reduce greenhouse gas (GHG) emissions in a measurable way. In Indonesia, this mechanism is regulated through Presidential Regulation No. 98 of 2021 and OJK Regulation (POJK) No. 14 of 2023. However, studies integrating ethical-religious aspects through Maqāṣid al-Sharī‘ah and the Green Economy paradigm remain limited. This research aims to analyze the integration of these two concepts within Indonesia's carbon trading system and evaluate the conformity of POJK No. 14 of 2023. The method employed is normative legal research with a qualitative content analysis approach. The findings indicate that: (1) carbon trading aligns with Maqāṣid al-Sharī‘ah in environmental protection (ḥifẓ al-bī’ah) through principles of justice and transparency; (2) carbon trading supports the Green Economy by internalizing environmental externalities into economic activities; and (3) POJK No. 14 of 2023 substantially accommodates Sharia values and sustainability. This integration serves as a vital foundation for a carbon trading system that is legally valid and provides spiritual and social benefits.
The Principles of Business Continuity and Public Interest in the Resolution of Sharia Bankruptcy Disputes M. Marsetiaji; M. Dawud Arif Khan; Hidayat
Golden Ratio of Data in Summary Vol. 6 No. 1 (2026): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i1.1766

Abstract

The background of this study lies in the absence of specific regulations regarding bankruptcy and the suspension of debt payment obligations (PKPU) based on Sharia principles. In practice, the principles of business continuity and public interest (maṣlaḥah) are often neglected in resolving Sharia bankruptcy disputes, leading judges to focus primarily on formal juridical aspects. This research aims to analyze the implementation of these two principles in PKPU cases involving Sharia contracts, which the Commercial Court and the Supreme Court handle. The study employs a qualitative method with a normative legal approach through document studies and interviews. The results indicate that the principle of business continuity has not been optimally applied, while the principle of public interest is often overlooked in legal considerations. These findings underscore the need to reformulate Sharia bankruptcy law to incorporate maqāṣid al-syarī‘ah values better, thereby providing judges with a stronger foundation for balancing the interests of debtors, creditors, and society fairly and equitably.
Distribution of Zakat to the Aṣnāf Fī Sabīlillāh in Da’wah Programs: An Analysis of Dual Compliance at LAZNAS : A Study of Dompet Dhuafa and Baitulmaal Muamalat Ahmad Zaki Firdaus; Hidayat
Journal of Indonesian Islamic Studies Vol. 6 No. 1 (2026): Journal of Indonesian Islamic Studies (October) --- In Press
Publisher : Postgraduate Program of the State Islamic Institute of Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/jiis.v6i1.12262

Abstract

This study examines the distribution of zakat to the aṣnāf fī sabīlillāh through da'wah programs at two national zakat management institutions (LAZNAS), Dompet Dhuafa and Baitulmaal Muamalat, and assesses its conformity with Law Number 23 of 2011 on Zakat Management and Indonesian Council of Ulama (MUI) Fatwa Number 8 of 2011 on Amil Zakat. Using a normative-empirical legal research design with a qualitative case-study approach, data were collected through semi-structured interviews, documentation, and literature review, and analyzed descriptively-analytically using normative and empirical approaches. The results show that both institutions channel zakat to fī sabīlillāh through da'wah programs such as preacher (da'i) cadre-building, mu'allaf coaching, Islamic education, religious outreach, and social empowerment, reflecting a contextual and expanded interpretation of fī sabīlillāh consistent with maqāṣid al-sharī'ah. Both institutions demonstrate dual compliance-shariah compliance and regulatory compliance-although through different governance models: Dompet Dhuafa adopts a specialization strategy with explicit, segmented da'wah programs that ease auditability, while Baitulmaal Muamalat adopts an integrative strategy combining social, educational, and da'wah elements that demands stricter fund segregation and documentation under PSAK 109. The study concludes that both institutions have integrated professional, transparent, and accountable zakat governance, positioning zakat not merely as consumptive aid but as an instrument of da'wah and community empowerment. The findings contribute to the limited empirical literature on institutional-level dual compliance in Indonesian zakat management and offer practical recommendations for regulators, zakat institutions, and Shariah Supervisory Boards.
Co-Authors Aam Ridwan Abdi Syahrial Harahap Abdul Aziem Abdul Wahab Abd Muhaimin Ahmad Zaki Firdaus Ansori, Mohammad Elsa Febiola Aryanti Harahap, Abdi Syahrial Hendra Kholid jamal Kholid, Hendra Khotimah, Umi Khusnul Khusnul Khotimah, Umi Kiki Zakiah Nuraisyah M. Dawud Arif Khan M. Dawud Arif Khan M. Marsetiaji Moehammad Abdul ‘Aziz Mujahidin, Ikhwanul Nurkhalis Muchtar Rully Putra Jaya Ruzman Md. Noor Suharta, Suharta Taufiq Ramadhan Umi Khusnul Khotimah Wahyudi Wahyudi