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All Journal Al-Muamalat : Jurnal Ekonomi Syariah Journal of Indonesian Islamic Studies
Jujun Jamaludin
Universitas Islam Negeri Sunan Gunung Djati Bandung
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Sharia fintech: Crowdfunding as MSMEs financing Hilma Rohmatul Ummah; Adang Sonjaya; Jujun Jamaludin
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.28808

Abstract

Fintech equity crowdfunding is now available in Indonesia, providing an alternative option for MSMEs to raise capital. As the majority of Indonesia's population is Muslim, sharia-based fintech equity crowdfunding is a more suitable option for those seeking funding according to Islamic principles. This system has the potential to be a capital solution for MSMEs more simply and ethically. This research aims to explore the potential of Sharia crowdfunding as an effective means for MSMEs to expand their business operations, ultimately contributing to broader economic sector improvements in Indonesia. Additionally, it assesses the conformity of this practice with OJK regulations and Fatwa DSN-MUI, as well as its compliance with Sharia principles. The descriptive-analytical method is employed, analyzing various documents and texts from various sources. The results indicate that Sharia-based fintech, particularly in the form of crowdfunding, can be an effective means for MSMEs to obtain capital through online platforms. Crowdfunding also presents opportunities for investors who wish to contribute to the funding of MSMEs in a manner that aligns with Sharia principles.
Implementation of Bandung City Regional Regulation Number 5 of 2021 on the Prevention and Eradication of Narcotics Abuse and Illicit Trafficking of Narcotics and Narcotics Precursors: A Siyasah Dusturiyah Perspective Miftah Nurrahmat; Jujun Jamaludin
Journal of Indonesian Islamic Studies Vol. 5 No. 2 (2026): Journal of Indonesian Islamic Studies (April)
Publisher : Postgraduate Program of the State Islamic Institute of Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/jiis.v5i2.11845

Abstract

Bandung City is one of the regions with the highest rate of narcotics abuse vulnerability in West Java, marked by a continuously rising trend of cases. The Bandung City Government responded to this condition through Regional Regulation Number 5 of 2021 concerning P4GNPN, particularly Article 15, which governs prevention efforts through socialization, community empowerment, and cross-sector coordination. This study analyzes the implementation of Article 15 using George C. Edward III's policy implementation theory, measures its effectiveness through Soerjono Soekanto's legal effectiveness theory, and examines its conformity with the principle of siyasah dusturiyah, employing an empirical juridical approach based on interviews and observations of Kesbangpol, the Regional Legal Bureau, community leaders, religious scholars, and academics. The findings show that implementation has proceeded with a fairly positive public response, although its effectiveness remains constrained by limited budget, weak inter-agency (OPD) coordination, discontinuity of the program, insufficient sanctions, and restricted access to data. From the perspective of siyasah dusturiyah, this policy holds strong legitimacy as it aligns with the principle of tasharruf al-imam 'ala ar-ra'iyyah manuthun bi al-mashlahah and the objectives of maqashid al-syari'ah, particularly hifz al-nafs and hifz al-'aql.
Co-Authors Adang Sonjaya Hilma Rohmatul Ummah Miftah Nurrahmat