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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Borneo : Journal of Islamic Studies Tawazun: Journal of Sharia Economic Law
Suhedi, Suhedi
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Religion Economics, Econometrics & Finance Social Sciences

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Pemulihan Ekonomi Kota Pontianak melalui Digitalisasi UMKM Berbasis Ekonomi Kreatif Suhedi, Suhedi; Alfarisi, Muhammad Adib
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i2.5274

Abstract

Economic issues within society become subjects of rigorous debate, especially in times of crisis such as the COVID-19 pandemic. Various recovery initiatives are undertaken by both governmental entities and the private sector, aimed at expediting the process of digital transformation within the micro, small, and medium enterprises (MSMEs) sector. This research is specifically focused on Pontianak City, situated in West Kalimantan, with the primary objective of fostering economic growth by harnessing the potential of MSMEs as a vehicle for swift recovery and the facilitation of a digitalized creative economy. This study employs William F. Gluk's theory on the economic marketing strategies employed by companies operating within the specific environmental challenges they face to attain their objectives. The authors employ qualitative research methods to comprehensively analyze and interpret the social and community issues associated with this endeavor. The findings of this research indicate that MSMEs in Pontianak City possess considerable potential for augmenting productivity and enhancing competitiveness. Consequently, the local products and services generated exhibit a distinctive competitive advantage, rendering them capable of penetrating the national-scale market. Furthermore, the authors contend that Pontianak City, being the provincial capital and a prominent business hub within West Kalimantan, enjoys the support of numerous factors, including its sizable population and the accelerating digitalization trend. This, in turn, catalyzes the growth of the local wisdom economy within a digital marketplace framework. Consequently, the economy of Pontianak City is poised for long-term development, driven by the rapid and sustained transformation ushered in by digitalization.
Rethinking Legal Validity and Contractual Structures of Shariah-Compliant Credit Cards: A Study on DSN-MUI Fatwa Alfarisi, Muhammad Adib; Suhedi, Suhedi; Ezzerouali, Souad Ahmed; Andrianti, Dyah
Borneo : Journal of Islamic Studies Vol. 6 No. 1 (2025): BORNEO: Journal of Islamic Studies
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/borneo.v6i1.4321

Abstract

The rapid evolution of Islamic financial products has raised critical questions about the legal validity and practical enforceability of Sharia credit cards within Indonesia’s dual legal system. This study seeks to rethink the legal validity of Sharia credit cards by moving beyond the fiqh-based legitimacy of Fatwa No. 54/DSN-MUI/X/2006 to examine their implementation under Indonesia’s positive law, regulatory oversight, and the objectives of maqāṣid al-sharī‘ah. Employing a qualitative legal content analysis, the research identifies six potentially relevant contracts kafālah, wakālah, ḥawālah, murābaḥah, qardh, and ijārah and critically assesses why the DSN-MUI ultimately operationalized only three: qardh, kafālah, and ijārah. The study argues that this tri-contract structure provides normative coherence but remains legally contingent on its harmonization with the Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) regulations governing multi-contract products. Findings reveal that while the fatwa aligns with maqāṣid al-sharī‘ah protecting wealth (ḥifẓ al-māl) and promoting justice (‘adl) by eliminating riba its enforceability under civil contract law, particularly regarding ta‘wīḍ (compensation) and gharāmah (late penalty), remains ambiguous. Comparative insights from Malaysia and the Middle East underscore the need for a regulatory framework that integrates fatwa-based legality within codified financial law. Consequently, this “rethinking” offers a new analytical framework normative, structural, and positive legal validity to bridge the gap between Sharī‘ah doctrine and enforceable Islamic financial governance in Indonesia.
Living Economy: Relevansi Fatwa DSN-MUI tentang Online Shop dalam Etika Bisnis Seller E-commerce pada Aplikasi TikTok Alfarisi, Muhammad Adib; Suhedi, Suhedi
TAWAZUN: Journal of Sharia Economic Law Vol 6, No 2 (2023): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v6i2.23324

Abstract

This study discusses e-commerce business ethics that realize business continuity, but there are problems between buyers and sellers not meeting face to face which can harm consumers. Therefore, the importance of the trust of both parties is an absolute requirement in buying and selling online. This is implementing business ethics based on the provisions of Islamic law and the presence of maqashid sharia and the DSN-MUI Fatwa regarding online shops. This study aims to analyze the application of the DSN-MUI Fatwa regarding online shops that pay attention to TikTok e-commerce business ethics. This research method is a normative research using maqashid sharia theory by Wahbah Zuhaili. The results of the study, that the authors argue find the relevance of e-commerce that is aligned with the DSN-MUI Fatwa regarding online shops as Islamic legal rules that maintain trust in sellers and buyers in the continuity of business ethics, such as the findings of fathanah ethics (professional), amanah (trusted), shiddiq (honest), and tabligh (transparent). Thus, the implications of TikTok e-commerce contribute to maintaining the stability of the continuity of seller's business ethics for the people's economy.
Co-Authors Alfarisi, Muhammad Adib Andrianti, Dyah Ezzerouali, Souad Ahmed