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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Visi Sosial Humaniora Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Kajian Islam Modern Kartika: Jurnal Studi Keislaman Jurnal Ilmiah Falsafah Southeast Asia Journal of Graduate of Islamic Business and Economics Jurnal Ilmiah Ekonomi dan Manajemen
Syukri Iska
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Religion Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PEMBAYARAN UANG ADAT/UPAH KONDAI PADA TRADISI SISAMPEK Alidia Tama Putri; Syukri Iska; Elsy Renie
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 2 (2026): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i2.64146

Abstract

Abstrak Artikel ini membahas pelaksanaan tradisi sisampek dalam perspektif hukum ekonomi syariah. Artikel ini menjelaskan konsep hukum ekonomi syariah dalam penerapan konsep pembayaran uang adat/ upah kondai, yang termasuk pada akad sewa-menyewa jasa dalam hukum ekonomi syariah. Adapun jenis dari penelitian ini adalah penelitian kualitatif dengan pendekatan deskriptif, yang mana penelitian kualitatif merupakan penelitian yang bermaksud untuk memahami fenomena tentang apa yang dialami oleh subjek penelitian dengan cara mendeskripsikan dalam bentuk bahasa pada suatu konteks khusus yang alamiah dengan memanfaatkan berbagai metode alamiah. Berdasarkan penelitian dapat disimpulkan bahwa pembayaran uang adat/upah kondai  pada tradisi sisampek dapat disamakan dengan ijarah (sewa-menyewa) jasa dalm hukum ekonomi syariah dan berdasarkan analisis serta penelitian lapangan dapat disimpulkan bahwa tradisi ini sudah sesuai dengan hukum ekonomi syariah. Kata Kunci: uang adat, sisampek, hukum Ekonomi Syariah.   Abstract This article discusses the implementation of the sisampek tradition from the perspective of Islamic economic law. This article explains the concept of Islamic economic law in applying the concept of customary money payments/kondai wages, which are included in the service rental contract under Islamic economic law. This research is qualitative with a descriptive approach. Qualitative research aims to understand the phenomena experienced by the research subjects by describing them in language within a specific, natural context using various natural methods. Based on the research, it can be concluded that the payment of customary money/kondai wages in the sisampek tradition can be equated with ijarah (rental) services under Islamic economic law. Based on analysis and field research, it can be concluded that this tradition complies with Islamic economic law. Keywords: customary money, sisampek, Islamic economic law
TRANSFORMASI DAN IMPLEMENTASI PRODUK PEMBIAYAAN NON BAGI HASIL DALAM PERBANKAN SYARIAH DI INDONESIA: STUDI SYSTEMATIC LITERATURE REVIEW ATAS AKAD HAWALAH, RAHN, DAN QARD: TRANSFORMASI DAN IMPLEMENTASI PRODUK PEMBIAYAAN NON BAGI HASIL DALAM PERBANKAN SYARIAH DI INDONESIA: STUDI SYSTEMATIC LITERATURE REVIEW ATAS AKAD HAWALAH, RAHN, DAN QARD Azifah Hidayati; Syukri Iska; Fandi Ahmad Marlion
JURNAL KAJIAN ISLAM MODERN Vol 14 No 02 (2026): Juni 2026
Publisher : Institut Agama Islam Sahid (INAIS) Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/jkim.v14i02.1035

Abstract

This article presents the results of a Systematic Literature Review (SLR) to analyze the transformation, implementation, challenges, and opportunities of non-profit-loss sharing financing products in Islamic banking in Indonesia, with a specific focus on ḥawālah, rahn, and qard contracts. This study aims to explore the evolving dynamics of non-profit-loss sharing financing instruments, examine their compliance with Sharia principles, and identify structural as well as operational challenges in their implementation within Islamic financial institutions. This research employs a qualitative SLR approach by reviewing scholarly publications from 2019 - 2024, sourced from reputable databases such as Scopus, ScienceDirect, and Google Scholar. Using the PRISMA protocol, a total of N = 20 relevant articles were systematically selected and analyzed, revealing a significant growth of approximately 65% in publications since 2021, indicating increasing academic attention to non-profit-loss sharing financing. The key findings indicate a significant shift from social-oriented (tabarru’) functions toward commercial (tijarah) orientations, particularly in the implementation of rahn. Meanwhile, ḥawālah remains underutilized despite its potential role in liquidity management and debt restructuring. On the other hand, qard continues to play a crucial role in promoting financial inclusion, although it faces sustainability constraints in terms of funding sources. However, the study also identifies major challenges, including a trade-off between Sharia compliance, operational efficiency, and financial sustainability, as well as weak integration of risk management and Sharia-based governance frameworks. The effectiveness of these financing products heavily depends on strengthening Sharia governance, enhancing product innovation, and improving Islamic financial literacy among the public. The main contribution of this study lies in emphasizing that the development of non-profit-loss sharing financing products requires an integrative approach grounded in maqāṣid al-sharī‘ah, ensuring that financial practices are not only profit-oriented but also aligned with broader socio-economic welfare and justice objectives.
REKONSTRUKSI KEDUDUKAN WA’AD DALAM PRODUK PERBANKAN SYARIAH: ANALISIS KOMPARATIF DENGAN AKAD DAN IMPLIKASINYA TERHADAP KEPASTIAN HUKUM Meli Diana Fitri; Syukri Iska; Azifah Hadiyati
JURNAL KAJIAN ISLAM MODERN Vol 15 No 01 (2026): September 2026
Publisher : Institut Agama Islam Sahid (INAIS) Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/jkim.v15i01.1041

Abstract

This study aims to reconstruct the position of wa'ad in Islamic banking products through a comparative analysis with contracts, both from the perspective of muamalah fiqh and Islamic financial industry practices. The research method used is a qualitative-normative approach, through an analysis of classical and contemporary literature, fatwas of Islamic authorities, and regulations related to Islamic banking. The results show that conceptually, wa'ad is a unilateral commitment that does not have the same binding force as a contract. However, in industrial practice, it often undergoes transformation into a quasi-contract with legal implications. This condition creates ambiguity between the moral and legal dimensions of wa'ad, and has the potential to violate the basic principles of contracts in Islam. This study proposes a reconstruction of the status of wa'ad as a pre-contract instrument with limited binding power (binding under certain conditions) while maintaining the fundamental distinction of the contract. The implications of this reconstruction are the creation of clear contractual structures in Islamic banking products, increased legal certainty, and the strengthening of the principle of Sharia compliance in industrial practices.
PENGEMBANGAN PRODUK BUY NOW PAY LATER (BNPL) SYARIAH SEBAGAI ALTERNATIF PEMBIAYAAN DIGITAL DALAM EKOSISTEM E-COMMERCE: SYSTEMATIC LITERATURE REVIEW Fitri Bahreni; Syukri Iska; Azifah Hidayati
JURNAL KAJIAN ISLAM MODERN Vol 15 No 01 (2026): September 2026
Publisher : Institut Agama Islam Sahid (INAIS) Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/jkim.v15i01.1042

Abstract

This article presents the results of a Systematic Literature Review (SLR) to analyze the development, design, challenges, and opportunities of Buy Now Pay Later (BNPL) products based on Sharia principles as an alternative digital financing instrument within the e-commerce ecosystem. This study aims to explore the conceptual framework of Sharia-compliant BNPL, assess its alignment with Islamic legal contracts (akad), and examine its potential role in promoting ethical and inclusive digital financial services. This research employs a qualitative SLR approach by reviewing scholarly publications from 2020 to 2025, sourced from reputable databases such as Scopus, ScienceDirect, and Google Scholar. Using the PRISMA protocol, a total of N = 32 relevant articles were systematically selected and analyzed, indicating a rapid increase in academic interest in BNPL and Islamic fintech, particularly after 2021 in line with the acceleration of digital commerce. The key findings reveal that the development of Sharia-compliant BNPL primarily revolves around hybrid contract structures, such as murābaḥah, qard, and wakālah bil ujrah, which must be carefully structured to avoid elements of ribā, gharar, and prohibited multi-contract arrangements (ta’alluq). The study also finds that while BNPL offers significant potential in enhancing financial inclusion and consumer access in e-commerce, its current implementations often raise concerns regarding Sharia compliance, particularly in pricing transparency, penalty mechanisms, and behavioral manipulation through algorithmic systems. Moreover, the study identifies critical challenges, including regulatory gaps, the tension between business scalability and Sharia compliance, limited standardization of contract structures, and low levels of Islamic financial literacy among users. The integration of advanced technologies such as artificial intelligence in BNPL systems further complicates ethical considerations, as it may influence consumer decision-making in ways that conflict with the principles of fairness and transparency in Islamic finance. The main contribution of this study lies in emphasizing that the development of BNPL Sharia products requires a holistic and integrative approach grounded in maqāṣid al-sharī‘ah, ensuring that digital financing innovations not only comply with formal legal requirements but also uphold ethical values, promote justice, and prevent consumer exploitation within the rapidly evolving e-commerce landscape.
Co-Authors Alidia Tama Putri Arna Saskia Asri Tesi Ramadhani Azifah Hadiyati Azifah Hidayati Azifah Hidayati Bagus Pria Alwadipa Elsy Renie Fandi Ahmad Marlion Fitri Bahreni Fuji Pratami hamdanil Hamdanil, Hamdanil Irmasani Daulay Jureid Kumaidi Kumaidi Meli Diana Fitri MIFTAHUL JANNAH Muhammad Danil, Muhammad Rana, Rana Nurulita Handra Riski Khairani Silvia Rahma Yenti Siska Putri Yasnimawati Yuli Anti Zana Seftiani