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All Journal Studia Economica: Jurnal Ekonomi Islam Syntax Literate: Jurnal Ilmiah Indonesia IJOIS: Indonesian Journal of Islamic Studies International Journal of Educational Review, Law And Social Sciences (IJERLAS) Journal of General Education and Humanities INOVASI: Jurnal Politik dan Kebijakan Sharia Economic and Management Business Journal (SEMBJ) Jurnal Ilmu Ekonomi, Pendidikan dan Teknik (IDENTIK) Orasi: Jurnal Dakwah dan Komunikasi
Muhammad Habibi Siregar
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Qur'anic Wealth Management (At-Tamwil) and Digital Waqf Transformation in Indonesia: A Systematic Literature Review Widya Khaidir; Nurul Muyasaroh; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2556

Abstract

Background: As Islamic financial technology (fintech) continues to expand rapidly, the digitalization of waqf presents a strategic opportunity that is both timely and urgent. However, much of the existing scholarship has concentrated narrowly on jurisprudential rulings and technical feasibility, leaving the deeper normative foundations of the Qur'an as a source of Islamic wealth stewardship largely unexplored. Method: This study aims to examine the Qur'anic concept of wealth management (at-tamwīl) through thematic exegesis (maudhū'ī tafsir), and to develop a framework that integrates these principles with digital waqf innovation in Indonesia. A qualitative descriptive design was employed, combining thematic Qur'anic interpretation as its primary approach with a Systematic Literature Review (SLR) following the PRISMA protocol. Results: The study identifies five core at-tamwīl principles derived from the Qur'an: istikhlaf (trusteeship and accountability), tanmiyah wa tazkiyah (growth and purification), tawazun wa 'adl (balance and distributive justice), tasylif wa bayyinah (clarity and evidentiary transparency), and maqashidiyyah (public welfare orientation). These principles are integrated into the "Digital At-Tamwil" model a conceptual framework that positions technologies such as blockchain, smart contracts, waqf crowdfunding, and data analytics as instruments for operationalizing Qur'anic values within digital waqf governance, rather than as replacements for Islamic ethical standards. The study further identifies ethical risks inherent to digitalization, including materialistic reductionism, digital exclusion among underserved communities, and the erosion of interpersonal bonds between donors (waqif), managers (nazhir), and beneficiaries (mustahiq). Conclusion: This research affirms that sustainable digital waqf transformation demands a strong normative grounding in Qur'anic teachings, not merely technological modernization. The Digital At-Tamwil model offers a novel contribution by bridging sacred scripture, Indonesia's contemporary socio-economic realities, and the digital ecosystem positioning waqf as a resilient instrument of sustainable development while preserving its spiritual essence.
Islamic Consumption in the Digital Era: A Conceptual Analysis of the Qur’an, Hadith, DSN-MUI Fatwas, and Its Implications for Muslim Consumer Behavior Shohwatul Islamiah; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2561

Abstract

Background: This article examines Islamic consumption as articulated in the Qur'an, hadith, scholarly thought, and DSN-MUI fatwas, and assesses its implications for Muslim consumer behavior in the digital era. Digital consumption has widened access to halal products while creating new risks, including impulsive purchasing, manipulative promotion, incomplete product information, digital payment instruments, buy-now-pay-later services, live shopping, and unverified halal claims. Method: The study employs a qualitative library-research design with normative, thematic, and content-analytical approaches. Primary sources comprise relevant Qur'anic verses, hadith, and DSN-MUI Fatwa No. 146/DSN-MUI/XII/2021 on Online Shops Based on Sharia Principles. Secondary sources include scholarly articles, regulations, and official reports published since 2020. Results: The analysis identifies five foundations of Islamic consumption: halal, thayyib, balance, maslahah, and transactional justice. In digital markets, these principles require consumers to assess not only halal certification but also contractual transparency, seller credibility, payment mechanisms, data security, consumer reviews, and the social consequences of purchasing decisions. Conclusion: The article develops a maqashid sharia-based framework that treats digital consumption as an economic activity governed by moral and spiritual responsibility.
Co-Authors Achmad Navish Isnaeni Sagala Ahda Segati Annisa Umamy Firja Endriza Helvinasari Nasution M. Afif Shahputra Zen Muflihul Fadhil Muhammad Ridwan Nasution, Muhammad Irwan Padli Nurul Muyasaroh Saparuddin Siregar Shohwatul Islamiah Sidiq Hartono Sugianto Sugianto Tedi Hermansyah Widya Khaidir Yona Fitri Yusrizal