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All Journal An-Nisbah: Jurnal Ekonomi Syariah Ahkam: Jurnal Hukum Islam Economica: Jurnal Ekonomi Islam Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Journal of Economics and Social Sciences Aqwal: Journal of Quran and Hadies Studies An-Nisbah: Jurnal Ekonomi Syariah International Journal of Islamic Finance (IJIF)
Ahmad Syaichoni, Ahmad
IAIN Tulungagung
Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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PERLINDUNGAN KONSUMEN DALAM TRANSAKSI BAY’ AL-SALAM DAN E-COMMERCE (Komparasi Hukum Islam dan Hukum Positif) Syaichoni, Ahmad
Ahkam: Jurnal Hukum Islam Vol 3, No 2 (2015)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (351.628 KB) | DOI: 10.21274/ahkam.2015.3.2.219-248

Abstract

In the modern era, people utilize technology product to ease thetransaction process, namely e-business or e-commerce. Businessalways includes the producers and consumers. In such business, theconsumers do not get maximum service and sometimes are fooledby the producers. Such kind of business in Islam is known as bay’ alsalam. The transaction in bay’ al salam is prone to tricky acts by theproducers. Therefore, it is urgent to develop a legal contract betweenthe producers and consumers to obtain good transaction between thetwo parties.Kata kunci: Perlindungan Konsumen, Bay’ al-Salam, E-Commerce,Hukum Islam, dan Hukum Positif
PERLINDUNGAN KONSUMEN DALAM TRANSAKSI BAY’ AL-SALAM DAN E-COMMERCE (Komparasi Hukum Islam dan Hukum Positif) Syaichoni, Ahmad
Ahkam: Jurnal Hukum Islam Vol 3 No 2 (2015)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/ahkam.2015.3.2.219-248

Abstract

In the modern era, people utilize technology product to ease thetransaction process, namely e-business or e-commerce. Businessalways includes the producers and consumers. In such business, theconsumers do not get maximum service and sometimes are fooledby the producers. Such kind of business in Islam is known as bay’ alsalam. The transaction in bay’ al salam is prone to tricky acts by theproducers. Therefore, it is urgent to develop a legal contract betweenthe producers and consumers to obtain good transaction between thetwo parties.Kata kunci: Perlindungan Konsumen, Bay’ al-Salam, E-Commerce,Hukum Islam, dan Hukum Positif
Al-Ijarah Al-Maushufah fi Al-Dzimmah in the Study of Islamic Financial Economics Syaichoni, Ahmad
Economica: Jurnal Ekonomi Islam Vol 11, No 2 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.2.6834

Abstract

Abstract: In the modern era like today, business transactions have developed along with technological developments. One form of development of business transactions is the modification of classic-contemporary contracts. One form of modification of the contract is the al-Ijarah al-Maushufah fi al-Dzimmah contract. This contract is developed for financing activities of Islamic financial institutions, especially the banking sector, and as an alternative to the financing scheme for infrastructure projects. This research aims to study the issue of al-Ijarah al-Maushufah fi al-Dzimmah in Islamic financial economics. This research is library research with a normative approach. The data analysis used is content analysis and critic analysis. According to the findings of this study, al-Ijarah al-Maushufah fi al-Dzimmah is a contract development employed to suit the community's demands. The monotheism framework underpins the creation of al-Ijarah al-Maushufah fi al-Dzimmah in the study of Islamic financial economics. Tauhid is founded on evolutionary equilibrium and consciousness as a manifestation of monotheism in developing this product. The evolution and consciousness of Islamic banking products into new scientific jewels inside the treasures of Islamic financial economics is the theoretical implication of this research. Compared to previous research, the originality of this study is that the al-Ijarah al-Maushufah fi al-Dzimmah contract is reviewed in terms of Islamic financial economics with a tauhid framework.Abstrak: Era modern seperti saat ini, transaksi bisnis mengalami pengembangan seiring dengan berkembangnya teknologi. Salah satu bentuk pengembangan transaksi bisnis adalah modifikasi akad klasik-kontemporer. Salah satu modifikasi akad tersebut adalah akad al-Ijarah al-Maushufah fi al-Dzimmah. Akad ini merupakan akad yang dikembangkan dalam kegiatan pembiayaan pada lembaga keuangan syariah, khususnya pada bidang perbankan dan merupakan produk alternatif skema pembiayaan yang digunakan untuk pembangunan proyek infrastruktur. Tujuan penelitian ini untuk menganalisis konsep al-Ijarah al-Maushufah fi al-Dzimmah dalam kajian ekonomi keuangan Islam. Penelitian ini menggunakan library research dengan pendekatan normatif. Analisis data yang digunakan adalah analisis isi dan analisis kritis. Hasil penelitian ini menunjukkan bahwa al-Ijarah al-Maushufah fi al-Dzimmah merupakan pengembangan akad yang digunakan untuk memenuhi kebutuhan masyarakat. Pengembangan al-Ijarah al-Maushufah fi al-Dzimmah dalam kajian ekonomi keuangan Islam berdasarkan kerangka tauhid. Konsep tauhid dalam pengembangn produk ini didasarkan pada ekuilibrium evolusioner dan kesadaran sebagai manifestasi tauhid. Implikasi penelitian ini dari segi teoretis adalah pengembangan dan inovasi produk perbankan syariah menjadi khazanah keilmuan baru dengan dalam khazanah ekonomi keuangan Islam. Orisinalitas penelitian ini dibandingkan dengan penelitian sebelumnya adalah akad al-Ijarah al-Maushufah fi al-Dzimmah ditinjau dalam pandangan ekonomi keuangan Islam dengan kerangka tauhid.
KHIYAR AL-RU’YAH ON ONLINE TRANSACTIONS; AN ANALYSIS CONTEMPORARY MUAMALAH MALIYAH Syaichoni, Ahmad; Setiawan, Didik
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 1 (2022): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i1.4405

Abstract

This research is backed by the phenomenon of online transactions conducted by the people of the modern era. Online transactions emerge due to the development of technology and information that can help human beings buy and sell transactions efficiently. However, online transactions pose an individual problem as fraud. Islam governs that every transaction should prioritize a mutual attitude so that no party is harmed. Islam guarantees that all forms of transactions must be free from anything that could harm either party. This article will discuss Islam's concept to protect the parties in the transaction, especially in online transactions. This research is a research library with a normative juridical approach. The data analysis used is content analysis and critic analysis. This research can conclude that al-ru'yah may be applied to online transactions as a form of collateral protection provided to the consumer. Khiyar al-ru'yah attempts to ensure that the consumer knows the goods are transacted so that no party is harmed.
Motif Tanggung Jawab Sosial Lembaga Keuangan Mikro Syariah dalam Perspektif Ekonomi Syariah Syaichoni, Ahmad
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 5 No 2 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i2.2776

Abstract

The primary issue addressed in the text is the importance of corporate governance, specifically within Sharia microfinance institutions, in achieving profitability and success. The study emphasizes the role of market share as an indicator of operational success for Sharia microfinance institutions, with a focus on meeting the needs of small communities. This study uses the library research method by extracting data from primary sources such as economics books and Sharia microfinance institutions. Data analysis is carried out using critical analysis and content analysis. The research findings highlight that these institutions use corporate social responsibility (CSR) as a strategic tool to promote their products and services. This, in turn, contributes to an increase in market share by introducing the company to the public. The text suggests that the implementation of CSR by Sharia microfinance institutions is motivated not only by economic considerations, such as marketing and promoting products but also by social motives, including a desire to assist others. In the context of Islamic or Sharia-compliant finance, the study underscores the integration of economic activities with ethical and socially responsible principles. The economic motive is evident in the use of CSR as a marketing tool to reach a wider community and promote financial products. The findings suggest that in the pursuit of economic goals, Sharia microfinance institutions also align themselves with social values by engaging in activities that benefit the broader community. This dual motive reflects the unique intersection of economic and ethical considerations within the framework of Sharia-compliant financial practices.
The Concept of al-Bay’ in The Qur’an Perspective with The Maudu’i Methodological Approach Konsep al-Bay’ dalam Perspektif al-Qur’an dengan Kajian Metode Maudu’i Syaichoni, Ahmad; Rifki Sahara
Aqwal: Journal of Qur'an and Hadis Studies Vol 3 No 1 (2022)
Publisher : Fakultas Ushuluddin, Adab dan Dakwah, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/aqwal.v3i1.5706

Abstract

Business transactions in the modern era require the use of technology and information. The sale and purchase contract is a familiar type of business transaction. Buying and selling has been practiced since ancient times. Nevertheless, modern development is taking place. All human transactions are governed by the Qur'an. Buying (al-bay') is one of the studies discussed in the Qur'an. The meaning and definition of al-bay' in the Qur'an differ from one letter to the next. This research reveals how the Qur'an views the concept of al-bay' in general. This study employed a maudu>'i> interpretation study approach in its library research. This maudu>'i interpretation study is used to explore data about al-bay' then explained based on the Koran's interpretation. The findings indicate that the word al-bay' in the Koran has two meanings. To begin, al-bay' discusses economic issues, particularly purchasing and selling transactions. So al-bay' is always associated with profit in worldly affairs. This is the meaning of al-bay', which is widely debated among Islamic economists. While eating al-bay', the second discusses the issue of ukhrawi life and faith. The meaning that emerges as a result of the modern world's conditions is that al-bay' is associated with the economic field. The truth is that economic conditions are rapidly changing, and one example is online buying transactions.
PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP CONSUMER BEHAVIOR MAHASISWA Syaichoni, Ahmad
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.74 - 119

Abstract

Islam mengatur seluruh aspek kehidupan manusia. Sebagai seorang muslim, perilaku manusia telah diatur sesuai dengan nilai dan norma syariat Islam. Pola perilaku di era industri seperti sekarang dipengaruhi oleh banyak faktor, salah satunya yaitu pemahaman tentang literasi keuangan. Pemahaman tentang literasi keuangan sangat diperlukan dalam hal pemenuhan kebutuhan hidup agar perilaku manusia dalam memanfaatkan pendapatannya menjadi terarah dan tidak bertentangan dengan nilai dan norma ajaran Islam. Penelitian dilakukan terhadap mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Tulungagung. Data penelitian diperoleh melalui pemberian kuesioner. Selanjutnya data dianalisis dengan menggunakan uji regresi. Hasil penelitian menunjukkan bahwa mahasiswa dengan pemahaman financial knowledge tidak dijadikan dasar dalam penentuan pilihan dalam mengkonsumsi barang dan jasa. Mahasiswa dalam mengkonsumsi barang dan jasa yang diinginkan tidak dipengaruhi oleh perilaku pengelolaan keuangannya. Mahasiswa yang mempunyai sikap keuangan yang baik akan cenderung lebih baik dan bijak pula dalam perilaku keuangannya, sebaliknya mahasiswa dengan sikap keuangan yang buruk akan cenderung mempunyai perilaku keuangan yang buruk juga. Mahasiswa dengan financial satisfaction yang positif akan menggunakan seluruh pendapatannya  untuk dibelanjakan sesuai dengan aturan dan tuntunan Islam sehingga perilakunya dalam mengkonsumsi barang dan jasa akan menghasilkan kepuasan yang positif dan sesuai syariat Islam. Mahasiswa dengan pemahaman financial knowledge tidak dijadikan dasar dalam penentuan pilihan dalam mengkonsumsi barang dan jasa. Kata Kunci: Financial Knowledge, Financial Behavior, Financial Attitude, Financial Satisfaction, Consumer Behavior
KHIYAR AL-RU’YAH ON ONLINE TRANSACTIONS; AN ANALYSIS CONTEMPORARY MUAMALAH MALIYAH Syaichoni, Ahmad; Setiawan, Didik
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 1 (2022): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i1.4405

Abstract

This research is backed by the phenomenon of online transactions conducted by the people of the modern era. Online transactions emerge due to the development of technology and information that can help human beings buy and sell transactions efficiently. However, online transactions pose an individual problem as fraud. Islam governs that every transaction should prioritize a mutual attitude so that no party is harmed. Islam guarantees that all forms of transactions must be free from anything that could harm either party. This article will discuss Islam's concept to protect the parties in the transaction, especially in online transactions. This research is a research library with a normative juridical approach. The data analysis used is content analysis and critic analysis. This research can conclude that al-ru'yah may be applied to online transactions as a form of collateral protection provided to the consumer. Khiyar al-ru'yah attempts to ensure that the consumer knows the goods are transacted so that no party is harmed.
Enhancing Customer Trust and Satisfaction through Sharia‑Compliant Digital Marketing Strategies: A Managerial Economics Perspective on Indonesian SMEs Syaichoni, Ahmad; Sahara, Rifki
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 1 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i1.717

Abstract

The advancement of digital technology has transformed marketing practices for small and medium-sized enterprises (SMEs), offering new opportunities for outreach, cost efficiency, and strategic positioning. In Indonesia, where the majority of consumers are Muslim, the effectiveness of digital marketing is not only shaped by technological adaptability but also by alignment with Islamic ethical values. Integrating sharia-compliant principles—such as transparency, justice, and trustworthiness—into digital marketing strategies is increasingly seen as a pathway to fostering stronger consumer trust and enhancing post-purchase satisfaction. This study aims to examine how sharia-compliant digital marketing influences customer trust and satisfaction within the SME marble industry and to assess the managerial-economic efficiency of such strategies. Adopting a mixed-methods approach, the research combines a case study of a marble SME that applies halal-themed digital campaigns with a survey of customers familiar with these practices. The findings suggest that embedding Islamic ethical values into digital marketing communications positively shapes consumer perception, reinforces brand credibility, and contributes to greater satisfaction. From a managerial economics perspective, these strategies demonstrate enhanced cost-effectiveness and greater market responsiveness compared to traditional offline methods. In conclusion, the integration of sharia-compliant values within digital marketing offers dual strategic advantages: fulfilling the ethical and spiritual expectations of consumers while simultaneously delivering sustainable and competitive economic outcomes for SMEs.
Integrating Maqasid al-Shariah and Sustainable Development Goals Islamic Financial Planning: A Framework for Ethical Wealth Distribution Syaichoni, Ahmad; Huda, Qomarul; Pangestu, Nana; Sampurno, Rama Wahyu
International Journal of Islamic Finance Vol. 3 No. 1 (2025): May 2025
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ijif.v3i1.2595

Abstract

Background: The global financial system faces escalating challenges in reconciling ethical wealth distribution with sustainable development, particularly within Islamic economies. Despite the shared emphasis of Maqasid al-Shariah (objectives of Islamic law) and the Sustainable Development Goals (SDGs) on justice, equity, and environmental stewardship, their integration remains fragmented. Islamic financial institutions (IFIs) often prioritize Shariah compliance over proactive contributions to sustainability, while regulatory fragmentation and gender-environment gaps hinder systemic progress. Objectives: This study aims to: (1) analyze the structural alignment between Maqasid al-Shariah and SDGs in Islamic financial planning, (2) identify systemic barriers to their integration, and (3) propose actionable strategies to optimize Islamic finance’s role in ethical wealth distribution. Novelty: The research fills critical gaps in Islamic academic discourse by: Introducing the Maqasid-SDG Integration Theory, which recontextualizes classical Islamic jurisprudence within modern sustainability frameworks. Developing a Maqasid-SDG Index to evaluate financial products’ socio environmental impact, addressing the absence of standardized metrics. Resolving debates on adaptive jurisprudence (e.g., redefining daruriyyat to include climate action) and gender inclusivity in Islamic finance. Research Methodology / Design: A mixed-methods sequential explanatory design was employed, combining Qualitative Analysis: Thematic coding of classical texts (e.g., al-Shatibi’s Al-Muwafaqat), 45 semi-structured interviews with Shariah scholars and policymakers, and case studies of Malaysia and Indonesia. Quantitative Analysis: PLS-SEM modeling of secondary data from 30 IFIs (2015–2023) and regression analysis of SDG progress metrics (e.g., poverty rates, CO2 emissions). Comparative Jurisprudence: Cross-referencing Hanafi, Maliki, Shafi’i, and Hanbali interpretations of wealth distribution ethics. Findings: SDG Alignment: Shariah-compliant mechanisms like Zakat and green Sukuk reduced povertyby 12.7% and emissions by 2.3 million metric tons annually, respectively (β = 0.42, p < 0.01). Institutional Barriers: Regulatory fragmentation limited SDG-aligned financing to 28% in GCC countries versus 64% in Malaysia. Gender disparities persisted, with only 12% of Islamic banks offering women centric products. Theoretical Advancements: The Maqasid-SDG Index revealed a 63% explanatory power (R² = 0.63) for ethical outcomes, while juristic reinterpretations of maslaha (public interest) enabled blockchain-based Sukuk innovations. Implication: Theoretical: The study bridges Islamic ethics with sustainability science, offering a dynamic framework for adaptive jurisprudence. Practical: Policymakers should prioritize (1) cross-border regulatory harmonization, (2) financial literacy campaigns, and (3) gender-environment nexus products (e.g., Takaful for women-led green enterprises). Policy: Centralized Shariah governance, as seen in Malaysia’s Value-Based Intermediation framework, enhances SDG alignment but requires balancing with grassroots inclusivity (r= -0.58).
Co-Authors Didik Setiawan Pangestu, Nana Qomarul Huda, Qomarul Rifki Sahara Sahara, Rifki Sampurno, Rama Wahyu