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All Journal Et-Tijarie: Jurnal Hukum dan Bisnis Syariah Sociae Polites: Majalah Ilmiah Sosial-Politik KABILAH : Journal of Social Community Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Administrasi dan Manajemen Borneo Law Review Journal Al Huquq : Journal of Indonesian Islamic Economic Law El-Qist : Journal of Islamic Economics and Business (JIEB) FOCUS: Journal of Social Studies Daengku: Journal of Humanities and Social Sciences Innovation Jurnal Res Justitia : Jurnal Ilmu Hukum Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Keris: Journal of Community Engagement Al-Maqashid: Journal of Economics and Islamic Business Ummul Qura : Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan JUSTICES: Journal of Law Justice Voice Begawan Abioso Jurnal Ekonomi Syariah Santri: Journal of Student Engagement Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Jurnal Media Akademik (JMA) Media Hukum Indonesia (MHI) Accounting Journal of Ibrahimy (AJI) AGHNINA: Jurnal Penelitian Hukum Ekonomi Syariah Interkoneksi: Journal of Computer Science and Digital Business
Moh Karim
Universitas Trunodjoyo Madura
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences Other

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The Implementation Of Mubapay Electronic Transactions At Mambaul Ulum Bata-Bata Islamic Boarding School, Pamekasan, From The Perspective Of Ḥifẓ Al-Māl Sitti Humairoh; Moh Karim
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 1 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i1.348

Abstract

This study aims to examine the implementation of the electronic transaction system Mubapay at Pondok Pesantren Mambaul Ulum Bata-Bata Pamekasan and to analyze its conformity with the Islamic principle of ḥifẓ almāl (protection of wealth). Mubapay is a digital innovation in pesantren financial management, used by students and their parents to conduct cashless transactions such as purchasing daily necessities, paying monthly fees, and transferring funds. This research employs a qualitative approach with field research as its method. Data collection techniques include observation, interviews, and documentation. The results indicate that the implementation of mubapay has been effective and well-organized. The system facilitates ease of transaction, transparent financial recording, and allows parental oversight. From the perspective of ḥifẓ al-māl, Mubapay reflects the principle of wealth protection through various aspects such as securing students’ funds from physical loss, controlling spending limits, ensuring transaction transparency, and fostering financial responsibility among students. However, challenges remain, such as limited digital literacy, dependence on network access, and the need to strengthen data security. Overall, the implementation of mubapay can be seen as a form of actualizing Islamic values in pesantren financial management oriented toward blessing and public benefit
Implementasi Akad Murabahah pada Produk Pembiayaan BSI KCP Bangkalan dalam Perspektif Hukum Ekonomi Syariah Ahmad Sirojudin Wildan; Moh. Karim
Media Hukum Indonesia (MHI) Vol 4, No 2 (2026): June
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20781669

Abstract

One of the most widely used financing products in Islamic financial institutions is financing based on the murabahah contract. The murabahah contract is a sale and purchase transaction in which the seller states the cost of goods and a profit margin agreed upon with the buyer. This study aims to understand the basic concept of the murabahah contract, its legal basis, and its implementation mechanism. The murabahah contract is a sale and purchase contract that is permitted in Islam as long as it meets the pillars and conditions stipulated in the law of muamalah. Islamic financial institutions act as parties that purchase goods from suppliers and then resell them to customers with an additional agreed profit margin. In its implementation, murabahah financing also has various potential risks, so it is necessary to implement effective risk management so that financing can run safely and in accordance with Islamic principles.
MEMAHAMI PRODUK PEMBIAYAAN LEMBAGA KEUANGAN SYARIAH BERBASIS JUAL BELI ISTISHNA’ Moh Rifky Mubarok; Moh. Karim
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5233

Abstract

With the rapid advancements in technology facilitating transactions, people have gained numerous conveniences in their shopping experiences. One prominent example is online retail, commonly referred to as e-commerce. As a result, the community frequently utilizes platforms like Shopee, Tokopedia, Lazada, Bibli, and Bukalapak for buying and selling activities. Online commerce entails a transaction process where the buyer places an order and makes a payment either beforehand, during, or afterward within a specified timeframe, all made possible by technological advancements. Additionally, specific contracts, such as istisna contracts, are utilized in carrying out these transactions. The aim of this research is to explore in greater detail the use of istisna contracts in online purchasing. This paper employs a qualitative method with a descriptive approach. The analysis method used is content analysis, concentrating more deeply on the acquired information. The findings reveal that Islamic transactions involving istisna contracts, the basis of Shari'ah, parallel istisna, and how these transactions are structured. Keywords: Istishna, Islamic Financing, Financial Institutions
ANALISIS KESESUAIAN AKAD HIWALAH DALAM PRAKTIK PEMBIAYAAN LEMBAGA KEUANGAN SYARIAH Nurul Ainiah; Moh. Karim
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5247

Abstract

The hiwalah contract has an important role in the sharia financial system. The development of sharia financial institutions in Indonesia makes hiwalah contracts increasingly relevant to study, considering that the need for transaction systems that are efficient and in accordance with sharia principles continues to increase. The issues in this article include the meaning of hiwalah, its legal basis in Islam, the pillars and conditions that must be met, the implementation scheme, and its application in sharia financial institutions. This research aims to analyze the concept of the hiwalah contract comprehensively from both theoretical and practical aspects. The method used is normative legal research with a literature study approach through various relevant books and scientific articles in the last ten years. The results of the study show that the hiwalah contract has a strong legal basis in the Al-Qur'an, Hadith, and Ijma' Ulama, and can be implemented in modern sharia banking practices as an instrument for transferring legal obligations. Thus, a good understanding of the hiwalah contract is important in supporting the effectiveness of transactions and maintaining compliance with sharia principles in the financial system. Kata Kunci: Profit Sharing, Hiwalah Agreements, Muamalah Fiqh
Reformulation of Consumer Protection Law Regulations as an Effort to Enforce Justice in e-Commerce Transactions in Indonesia Firda Nur Rohmah; Moh Karim
Et-Tijarie Vol 10, No 1: Juni 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v10i1.28456

Abstract

The development of business is currently increasingly rapid, in addition to the development of technology is also increasingly rapid, so the development of law must also follow the times. Currently in Indonesia there have been various kinds of transactions from face-to-face transactions to online transactions. This does not deny that there will be legal problems that occur. To anticipate this from happening, the government has issued Law Number 8 of 1999 (UUPK) concerning consumer protection. On the other hand, e-commerce transactions make it easier for consumers to meet their needs without having to go far, all needs can be met just by sitting back at home. Therefore, interest in e-commerce is increasing, but it is undeniable that there is also a lot of fraud committed by the parties. The research uses a comparative method with a qualitative approach. Data was collected throught interviews with 10 respondents (costumers and e-commerce business actors) as well as analysis of custumer protection regulatory documents. The research result show a significant gap between theory and practice, especially in terms of customer and business awareness, as well as a lack of effective regulation. The research concludes that it is necessary to improve regulations, increase consumer and business awareness, and develop human resources. The implications of this research can be used as a reference for developing e-commerce consumer protections policies that are more effective and protect consumer rights. This research contributes to the development of consumer protection theory in the context of e-commerce. 
Islamic Law and the Management of Qurban Savings: A Case Study of Darul Ihsan Mosque, Tuban Moh. Khoirul Anwar; Ahmad Musadad; Moh. Karim; Fajar Fajar; M. Faiz Nashrullah
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 1 : Al Qalam (January 2026 - Special Edition: Islamic Studies)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i1.5646

Abstract

The management of Qurban savings by the Darul Ihsan Mosque in Banjarworo Village, Bangilan District, Tuban Regency, has garnered attention. This is primarily because it originates from a non-financial, socially-oriented institution dedicated to facilitating Qurban participation for underprivileged communities. This study aimed to investigate the operational mechanisms of this Qurban savings program and assess its compliance with Islamic law. The research employed a qualitative approach utilizing field data (field research) with a descriptive-analytical nature, complemented by a normative-empirical perspective. Data collection involved observation, interviews, and documentation. The collected data were then analyzed using the Miles and Huberman model. The findings indicate that the practices of this Qurban savings program align with the principles of wadi>‘ah yad al-ama>nah, Fatwa DSN-MUI Number: 02/DSN-MUI/IV/2000 concerning savings, and the regulations outlined in KHES (Compilation of Islamic Economic Law). However, the study identified instances of default by participants due to delayed payments. Despite these challenges, the program genuinely reflects the objectives of maqa>s}id al-shari>‘ah, particularly concerning the preservation of wealth (h}ifz} al-ma>l) and the preservation of religion (h}ifz} al-di>n). Furthermore, it provides substantial social and spiritual benefits to the community.
Harmonization of Consumer Protection in Dropshipping Transactions: Fiqh Muamalah and Positive Law Approaches to Defective E-Commerce Products Ismiyatus Tsaniyah; Moh. Karim; Ahmad Musadad
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2026): June
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v5i1.4718

Abstract

This research seeks to examine and align consumer protection in dropshipping practices through the perspectives of Islamic jurisprudence (fiqh muamalah) and Indonesian positive law, particularly concerning liability for defective products in electronic commerce. A qualitative method was applied using a combination of normative legal analysis and empirical inquiry. The normative approach reviews relevant regulations such as the Consumer Protection Law (UUPK No. 8/1999), the Electronic Information and Transactions Law (UU ITE), and fiqh muamalah principles including salam, wakalah, and samsarah contracts. Empirical data were obtained through semi-structured interviews with two dropshipping practitioners in Modung District, Bangkalan Regency. The results of the study show that the prevailing practice of dropshipping generally does not meet the principle of contract certainty in fiqh muamalah. From a positive law perspective, dropshippers are still positioned as sellers who are obliged to bear losses due to defects. Therefore, this study emphasizes the importance of formulating a harmonization model through the use of contracts that are explicitly in accordance with Islam, as well as affirming the legal responsibility of dropshippers. Thus, it is hoped that dropshipping practices can be declared valid under sharia law while reflecting the values of fairness, transparency, and consumer protection.
Internet Users and Basic Concepts of Consumer Behavior Sholehuddin Sholehuddin; Moh. Karim
Interkoneksi: Journal of Computer Science and Digital Business Vol. 4 No. 1 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/interkoneksi.v4i1.85

Abstract

Advancements in information technology have significantly influenced consumer behavior, particularly regarding the use of the internet to access information, conduct transactions, and make purchasing decisions. This study aims to examine the characteristics of internet usage, fundamental concepts of consumer behavior, the purchasing decision-making process, and the key technologies supporting online marketing. A library research method was employed, utilizing a qualitative descriptive approach through a review of books, scholarly journals, and articles. Data were analyzed using content analysis to identify theoretical connections and develop a comprehensive understanding. The findings indicate that internet users exhibit specific characteristics, such as network access, technological proficiency, social interaction, digital content consumption, and security awareness. Consumer behavior is shaped by evolving needs and desires, which in turn influence purchasing decisions across stages ranging from need recognition, information search, and alternative evaluation to post-purchase behavior. Furthermore, the success of online marketing is heavily influenced by digital technologies—such as websites and CMS, social media, e-commerce, SEO/SEM, email marketing, web analytics, mobile applications, and AI/chatbots. The study underscores the importance of understanding consumer behavior in conjunction with the use of digital technology to ensure online marketing strategies are effective, efficient, and capable of enhancing customer satisfaction.
Procedures and Guidelines for Establishing an E-Commerce Business and Advertising in Electronic Transactions Moh Ramli; Moh. Karim
Interkoneksi: Journal of Computer Science and Digital Business Vol. 4 No. 1 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/interkoneksi.v4i1.86

Abstract

The development of information technology has driven a significant increase in the growth of e-commerce as a manifestation of digital transformation in the trade sector. E-commerce offers broad opportunities for business actors through ease of transactions and greater market access, but also presents challenges in terms of regulation, consumer protection, and marketing strategy. This article outlines the procedures and methods for building an effective e-commerce business and the digital advertising mechanisms in electronic transactions in accordance with the legal framework in Indonesia. This research uses a literature review method with a normative-descriptive approach. The results confirm that e-commerce success is determined by compliance with business legality, data security, tax compliance, and the implementation of ethical and transparent advertising strategies. Furthermore, advertising in e-commerce functions not only as a medium for product promotion but also as a communication tool to build consumer trust and strengthen brand image. Therefore, the development of e-commerce that is compliant with legal provisions, ethical, and adaptive to technological developments is a key factor in creating a competitive and sustainable digital business climate.
Co-Authors Ach. Mus’if Ach. Mus’if Achmad Badarus Syamsi Achmad Syarifudi Achmad Thoriqil Huda Afrilla, Dea Poppy Ahmad Musadad Ahmad Musadad Ahmad Sirojudin Wildan Anggun Riyanti Daffa Maulana Dzikrulloh, Dzikrulloh Elliza Ramadhani, Rifda Fajar faros burneh sherbu Firda Nur Rohmah Himmah, Faiqqotul Indien Winarwati Indien Winarwati Ismiyatus Tsaniyah Jiwana Era Rahmadha Kamil, Moh Ramdhan Karim, Busro Khoiriyah Khoiriyah M. Faiz Nashrullah Moh Ramli Moh Rifky Mubarok Moh. Hipni Moh. Khoirul Anwar Mohammad Hasan Muhammad Ersya Faraby Muhammad Haidar Ali Munthe, Herbert A.S Nadiya Eva Diyah Ningsih, Novi Rahayu Nurul Ainiah Salha, Faisol Santoso, Syarifurohmat Pratama Sholehuddin Sholehuddin Siti Maimuna Sitti Humairoh Syamsi, Achmad Badarus Tri Pujiati Tri Pujiati