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Mursal, Mursal -
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

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Analisis Hukum Ekonomi Syariah Mengenai Online Marketplace Shopee (Studi perbandingan Akad Qardh, Fatwa DSN No 19/DSNMUI/IV/2001 dan ketentuan perjanjian Fitur "SPinjam") Hajriani, Sesilia; Mursal, Mursal -; Fauzi, Muhammad
Al-Amwal : Journal of Islamic Economic Law Vol. 8 No. 2 (2023): Al-Amwal : JOURNAL OF ISLAMIC ECONOMIC LAW
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v8i2.4323

Abstract

This study aims to determine how the Qardh Akad Analysis in the SPinjam Feature on the Shopee Application. Shopee Pinjam (SPinjam) is an online cash loan product that offers loans with a fast, safe, minimal risk and unsecured process. So that SPinjam becomes an alternative for people who need funds. because Indonesia is a majority Muslim community, this Marketplace must be adjusted to Sharia provisions. There is no Fatwa specifically related to the Marketplace. The formulation of the problem in this study How is the mechanism of Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application, How is the Analysis of the Conformity of Qardh Akad with the Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application and How is the Analysis of DSN-MUI Fatwa No: 19/DSNMUI/IV/2001 with the Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application.This type of research is library research, the data analysis method uses normative descriptive methods, uses a fatwa approach and inductive thinking. The results of this study indicate that: Users of the SPinjam feature in the Shopee application are Shopee application users who have reached the gold member level with a certain credit limit. The loan consists of a disbursement fee of 1% monthly installment fee (5%/month) and a monthly SPinjam protection fee (0.25%/month). The conformity between DSN MUI Fatwa No.19/DSN-MUI/IV/2001 and the SPinjam Terms and Conditions of Service document can be concluded that it is not fully in accordance with the provisions of sharia principles. The conflicting points of the SPinjam Document are related to the following; loan repayment system in the form of credit, late fees, loan interest, risk of credit failure for borrowers and dispute resolution institutions
Analisis Hukum Ekonomi Syariah Mengenai Online Marketplace Shopee (Studi perbandingan Akad Qardh, Fatwa DSN No 19/DSNMUI/IV/2001 dan ketentuan perjanjian Fitur "SPinjam") Hajriani, Sesilia; Mursal, Mursal -; Fauzi, Muhammad
Al-Amwal : Journal of Islamic Economic Law Vol. 8 No. 2 (2023): Al-Amwal : JOURNAL OF ISLAMIC ECONOMIC LAW
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v8i2.4323

Abstract

This study aims to determine how the Qardh Akad Analysis in the SPinjam Feature on the Shopee Application. Shopee Pinjam (SPinjam) is an online cash loan product that offers loans with a fast, safe, minimal risk and unsecured process. So that SPinjam becomes an alternative for people who need funds. because Indonesia is a majority Muslim community, this Marketplace must be adjusted to Sharia provisions. There is no Fatwa specifically related to the Marketplace. The formulation of the problem in this study How is the mechanism of Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application, How is the Analysis of the Conformity of Qardh Akad with the Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application and How is the Analysis of DSN-MUI Fatwa No: 19/DSNMUI/IV/2001 with the Terms and Conditions of Shopee Pinjam Services for Loan Recipients on the Shopee Application.This type of research is library research, the data analysis method uses normative descriptive methods, uses a fatwa approach and inductive thinking. The results of this study indicate that: Users of the SPinjam feature in the Shopee application are Shopee application users who have reached the gold member level with a certain credit limit. The loan consists of a disbursement fee of 1% monthly installment fee (5%/month) and a monthly SPinjam protection fee (0.25%/month). The conformity between DSN MUI Fatwa No.19/DSN-MUI/IV/2001 and the SPinjam Terms and Conditions of Service document can be concluded that it is not fully in accordance with the provisions of sharia principles. The conflicting points of the SPinjam Document are related to the following; loan repayment system in the form of credit, late fees, loan interest, risk of credit failure for borrowers and dispute resolution institutions
The Meaning of Consuming Halal Products According to Muslim Millennial Generation in Realizing Of Maqasid Sharia “Maslahah” Mursal, Mursal -; Fauzi, Muhammad; Rakhmat Putra, Alan; Mahdi, Al
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 2 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Purpose  – This study aims to explore the meaning of the concept of halal product consumption by millennial Muslims as part of their identity and lifestyle. The main focus is to understand how millennial Muslims interpret halal product consumption not only as a religious rule but also as a symbol of quality, and social identity. Method – The research method used is quantitative and qualitative, qualitative data collection using in-depth interviews with 10 informants and supported by survey data from 70 millennial Muslim generation respondents with purposive sample techniques. The respondents came from students of the Sharia Faculty of IAIN Kerinci, Study Program "Islamic Law and Sharia Economic Law", semester 7 and above. The population was 120 students using a questionnaire instrument with 10 question items. The data were analyzed to identify the main themes related to the meaning of the concept of halal product consumption in everyday life Result –The results of the study show that millennial Muslims have a broader meaning of halal, including aspects of sustainability, ethics, and health. Halal is no longer limited to food, but has become a lifestyle that includes the beauty, fashion, and financial sectors. This generation sees halal products as a marker of identity, allowing them to express their religious commitment in modern society. In addition, halal is also seen as a symbol of quality and safety that provides a sense of comfort in social interactions, thus attracting both Muslim and non-Muslim consumers. Implication – As a practical implication, the results of this study can be used as one of the information for halal industry researchers. This study provides a picture that halal has transformed into a symbolic direction and is in the midst of society.
Co-Authors Hajriani, Sesilia Mahdi, Al Muhammad Fauzi Muhammad Luthfi Rakhmat Putra, Alan