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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Jurnal Penelitian Medan Agama JURNAL SYARIKAH : JURNAL EKONOMI ISLAM JOURNAL OF SCIENCE AND SOCIAL RESEARCH AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Taqnin: Jurnal Syariah dan Hukum EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Tsarwah : Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi Syariah Pelita Bangsa BERKAT: Jurnal Pemberdayaan Masyarakat Jurnal BILAL: Bisnis Ekonomi Halal Jurnal Ilmiah MADIYA: Masyarakat Mandiri Berkarya J-COSCIS : Journal of Computer Science Community Service Jurnal Budgeting Proceeding International Applied Business and Engineering Conference Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Tiyasadarma: Jurnal Pengabdian Kepada Masyarakat Proceeding of International Conference on Multidisciplinary Research Jurnal Bakti Nusantara Journal of Islamic Economics and Business Studies (JIEBS) BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Cognitionis Civitatis et Politicae Sharia Oikonomia Law Journal
Hubbul Wathan
Politeknik Negeri Medan
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THE LEGALITY OF CRYPTOCURRENCY (ASET KRIPTO) AS A WAQF ASSET: A CONTEMPORARY ISLAMIC LAW ANALYSI Hubbul Wathan; Aisha Al Suwaidi; Miriam Hofer
Sharia Oikonomia Law Journal Vol. 3 No. 4 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v3i4.2490

Abstract

The rapid growth of digital finance has introduced cryptocurrency as a novel asset class, raising profound legal and ethical questions within the framework of Islamic law. The emergence of crypto-based endowments (waqf) has sparked debates among scholars concerning the legitimacy, permanence, and Shariah compliance of digital assets as charitable instruments. This study aims to examine the legality of cryptocurrency as a potential waqf asset by exploring its compatibility with classical jurisprudential principles and contemporary Islamic financial regulations. A qualitative-deductive methodology was employed, combining doctrinal analysis of fiqh al-mu??mal?t (Islamic commercial law) with comparative evaluation of modern fatwas and regulatory policies issued by national Shariah authorities. The findings reveal that while cryptocurrencies possess economic value (m?l) and transferability, their volatility and speculative nature pose significant challenges to fulfilling the waqf requirement of asset stability and perpetuity (istibq?’ al-?ayn). However, under certain governance mechanisms—such as tokenization backed by tangible or stable assets—cryptocurrency may be conditionally recognized as a legitimate waqf instrument. The study concludes that cryptocurrency’s inclusion in Islamic endowment frameworks is permissible only through rigorous regulatory oversight, ensuring transparency, value preservation, and adherence to Shariah objectives.
PERSEPSI MAHASISWA TERHADAP AKAD SALAM PADA TRANSAKSI PEMESANAN MAKANAN MELALUI GOFOOD DENGAN PEMBAYARAN DIGITAL GOPAY (Studi Pada Mahasiswa Keuangan dan Perbankan Syariah Politeknik Negeri Medan) Naila Anggraini; Hubbul Wathan; Gatot Teguh Arifyanto; Muhammad Zuhirsyan; Amrin Amrin
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 4 (2026): August 2026 (1)
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i4.7125

Abstract

Abstract: This study aims to examine the perceptions of students in the D4 Islamic Finance and Banking Study Program at Politeknik Negeri Medan regarding the implementation of the salam contract (akad salam) in food-ordering transactions through GoFood using GoPay digital payment, as well as the compliance of such transaction with the principles of fiqh muamalah. This study employes a qualitative method with a descriptive approach. Data were collected through interviews with 11 students selected using purposive sampling. The results indicate that students' perceptions of the implementation of the salam contract (akad salam) in GoFood transactions using GoPay were generally positive. Students understood that the transaction mechanism possesses the characteristics of a salam contract (akad salam) and considered it to be consistent with the principles of fiqh muamalah. Furthermore, GoFood transactions using GoPay were considered to fulfill the requirements of a salam contract (akad salam), including advance payment, clear product specifications, a clearly defined delivery time, mutual agreement between the parties, and delivery of the goods in accordance with the agreed order. Therefore, food ordering transactions through GoFood using GoPay digital payment are considered to comply with the provisions of the salam contract (akad salam) from the perspective of fiqh muamalah. Keywords: Student Perceptions, Salam Contract, Digital Transactions   Abstrak: Penelitian ini bertujuan untuk mengetahui persepsi mahasiswa Program Studi D4 Keuangan dan Perbankan Syariah Politeknik Negeri Medan terhadap penerapan akad salam pada transaksi pemesanan makanan melalui GoFood dengan pembayaran digital GoPay serta kesesuaiannya dengan fiqh muamalah. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif. Data diperoleh melalui wawancara terhadap 11 mahasiswa yang dipilih menggunakan teknik purposive sampling. Hasil penelitian menunjukkan bahwa persepsi mahasiswa terhadap penerapan akad salam pada transaksi GoFood dengan pembayaran GoPay cenderung positif. Mahasiswa memahami bahwa mekanisme transaksi tersebut memiliki karakteristik akad salam dan menilai telah sesuai dengan prinsip fiqh muamalah. Selain itu, transaksi GoFood dengan pembayaran GoPay dinilai telah memenuhi ketentuan akad salam, yaitu pembayaran di muka, kejelasan spesifikasi barang, kejelasan waktu penyerahan, kesepakatan para pihak, serta penyerahan barang sesuai pesanan. Dengan demikian, transaksi pemesanan makanan melalui GoFood dengan pembayaran digital GoPay telah sesuai dengan ketentuan akad salam dalam perspektif fiqh muamalah. Kata kunci: Persepsi Mahasiswa, Akad Salam, Transaksi Digital
PENERAPAN NILAI NILAI ETIKA BISNIS ISLAM PADA USAHA LAUNDRY SYARIAH DI KOTA MEDAN Sundari Sundari; Muhammad Zuhirsyan; Hubbul Wathan; Gatot Teguh Arifyanto
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 4 (2026): August 2026 (1)
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i4.7122

Abstract

Abstrak: Studi ini bertujuan menganalisis pemahaman dan pelaksanaan etika bisnis Islam di kalangan pemilik bisnis laundry yang mematuhi Syariah di Kota Medan, menggunakan pendekatan kualitatif deskriptif berdasarkan penelitian lapangan. Data dikumpulkan secara komprehensif melalui pengamatan, dokumentasi, dan wawancara mendalam dengan ulama Islam, pemilik bisnis, dan konsumen. Temuan menunjukkan bahwa para pemilik bisnis memiliki pemahaman yang sangat baik tentang etika bisnis Islam dan telah mengadopsi prinsip-prinsip ini ke dalam operasi sehari-hari mereka. Praktik utama, termasuk pemurnian pakaian yang terkontaminasi najis (kotoran ritual), ketepatan dan kejujuran dalam penimbangan, serta kejelasan kontrak layanan (akad), dilakukan sesuai dengan prinsip-prinsip Islam. Praktik-praktik ini berkontribusi pada kepuasan konsumen, rasa aman, dan ketenangan pikiran. Namun, dalam hal kepatuhan formal, sertifikasi halal resmi dari otoritas terkait masih dalam proses pengajuan, sebagai bagian dari upaya pemilik bisnis untuk memperkuat komitmen mereka terhadap layanan yang sesuai dengan Syariah. Secara keseluruhan, model bisnis berbasis pelayanan ini menunjukkan kemampuan untuk menyeimbangkan profitabilitas materi dengan nilai-nilai spiritual secara konsisten dan berkelanjutan.
Pengaruh Religiusitas, Pendidikan, dan Media Online Terhadap Minat Masyarakat Muslim Berwakaf Uang Di Kelurahan Martubung Ellsa Assari; Marlya Fatira AK; Muhammad Zuhirsyan; Hubbul Wathan; Nuraini
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 02 (2026): JESPB Edisi Oktober 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i02.3444

Abstract

This study was carried out to determine whether religiosity, education, and online media influence the interest of the Muslim community in Martubung Village in participating in cash waqf. The research involved 155 respondents, and the data were obtained through questionnaires distributed to the participants. The collected data were then analyzed using multiple linear regression with the assistance of SPSS version 25. The findings show that religiosity has a positive and significant effect on the community's interest in cash waqf, as indicated by a significance value of 0.014. On the other hand, education was found to have no significant influence on cash waqf interest because the significance value reached 0.419, which exceeds the accepted threshold. In contrast, online media was proven to positively affect people's interest in cash waqf, with a significance value of 0.000. Moreover, when examined simultaneously, religiosity, education, and online media together significantly influence the interest of the Muslim community in Martubung Village, Medan Labuhan District, to participate in cash waqf, as reflected by the overall significance value of 0.000.
Co-Authors Adelia Cahyani Afriani, Selfi Afriany, Joli Agus, Rizal Ahmad Kholil Ainun Mardiyah, Ainun Aisha Al Suwaidi Alfiani Alfiani, Alfiani Amrin Amrizal Amrizal Amrizal Andi Supriadi Chan, Andi Supriadi Anita Putri Anriza Witi Nasution Auliah, Dina Destiadi, Rezha Dini Fakhira Bahari Ellsa Assari Falira Alifia Zahra Gabriel Ardi Hutagalung Ganda Gatot Teguh Arifyanto Gultom, Selfi Afriani Hasibuan, Annalisa Sonaria Infarizal Kamil, Idham Karina Chairunnisyah Khairunnisa Kusumadi Lakshan Pradeep Lovhian Simamora Lubis, Muhammad Arif Fadillah Manik, M. Rikwan Effendi Salam Marlya Fatira AK Miriam Hofer Muhammad Mabrur, Muhammad Muhammad Zuardi Muslim Marpaung Naila Anggraini Nuraini Pulungan, Fahri Juna Putri Ariyaningsih R Riswanto Rahmayani, Hafni Rehulina Bangun Rezha Destiadi Rizki Syahputa Sebayang Rihat Seri, Ermyna Siti Asnida Nofianna Sudarsono Suherman Suherman Suherman Suherman, Suherman Sundari Sundari Supaino Syafitri Wirabuana, Adjeng Thilina Samarasinghe Udara Jayasinghe Wahyu Hidayat Walid, Dewi Maharah Binti Mohd Zarwani, Patra Nadhila Zuhirsyan , Muhammad Zuhirsyan, Muhammad Zuhratul Husna Zulhendry