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Maslahah Najmuddin Al-Thufi: A Framework for Fintech Benefit Realization in Indonesia Hasan, Nugraha; Abubakar, Achmad; Haddade, Hasyim; Kurniati, Kurniati; Nurjannah, Nurjannah; Sabbar, Sabbar Dahham
Jurnal Ilmiah Al-Syir'ah Vol 22, No 1 (2024)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v22i1.2100

This study explores the concept of maslahah, according to Najmuddin Al-Thufi, as a realization of fintech development in Indonesia. Najmuddin Al-Thufi developed a theory of maslahah that emphasizes flexibility and adaptability to dynamic socio-economic contexts. This study integrates the theory with the development of fintech in Indonesia. This descriptive and qualitative research provides a more comprehensive picture of the concept of maslahah at-Thufi and the phenomenon of fintech in detail and in-depth and using a phenomenological approach. Data sources come from secondary data from books and relevant and reliable journals related to the discussion of Maslahah Najmuddin at-Thufi and fintech. The results showed that applying Najmuddin al-Thufi's maslahah concept to the development of fintech in Indonesia can be implemented for effective regulation and support the growth of fintech in an inclusive, safe, and equitable manner. The maslahah principle, which focuses on the public good, can deal with challenges such as consumer protection, data security, financial inclusion, and business ethics. By applying this principle, regulations can be more adaptive and responsive to technological dynamics, ensuring that the real benefits to society are always prioritized in every regulatory decision.

Inovasi Pemasaran Syariah: Strategi Diferensiasi dan Positioning dalam Siklus Daur Hidup Produk Syahraeni, Syahraeni; Kirana, Ayu Puspa; Sabbar, Sabbar Dahham; Farida, Ida
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1092

This study aims to examine Islamic marketing innovation through the integration of differentiation and positioning strategies at each stage of the product life cycle, from introduction to decline. The increasing consumer awareness of quality halal products, coupled with government policies promoting the halal ecosystem, makes the application of Islamic principles in marketing more relevant. The focus of this research is to develop an integrated Islamic marketing approach that combines Islamic principles with marketing strategies to enhance the competitiveness of halal products in both domestic and international markets. The study employs a qualitative method with a literature review. Data collection is carried out through the identification, review, and analysis of literature such as books, articles, and other relevant sources to strengthen findings and provide a comprehensive understanding of Islamic marketing innovation in differentiation strategies, positioning, and product life cycles. The findings indicate that integrating Islamic principles into differentiation and positioning strategies creates sustainable competitive advantages. Islamic-based marketing enhances product quality and brand image, while managing the product life cycle in accordance with Islamic principles ensures relevance and competitiveness in the market. Modifying products, pricing, packaging, and services based on Islamic principles ensures social and economic sustainability.

Development of A Comprehensive Instrument for The Islamic Education Subject Examination Sarea, Muh Syahrul; Dewantara, Andi Harpeni; Sabbar, Sabbar Dahham
Tafkir: Interdisciplinary Journal of Islamic Education Vol. 6 No. 3 (2025): Integrative Islamic Education
Publisher : Pascasarjana Universitas KH. Abdul Chalim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/tijie.v6i3.1940

This study aims to develop a comprehensive instrument for the Islamic Education course examination. Because the implementation of the Comprehensive Examination is still partial, flexible, and not yet supported by an instrument that has gone through a systematic quality testing process, it employs a research and development (R&D) approach, adopting a modified version of the Borg and Gall development model, which consists of seven stages: (1) research and information gathering, (2) planning, (3) development of the initial product, (4) limited trial, (5) revision of the initial product, (6) field testing, and (7) final product revision. Data were collected through interview guidelines and questionnaires to examine the theoretical and empirical characteristics of the test items. Data analysis was conducted using the R Studio application to determine item discrimination, difficulty level, and distractor effectiveness. The results indicate that the final product consists of 5 difficult items (25%), 12 moderate items (60%), and three easy items (15%). In terms of item discrimination, eight items (40%) were classified as very good, seven items (35%) as good, and five items (25%) as requiring revision. Regarding distractor effectiveness, 17 items (85%) were categorized as good, while three items (15%) were considered requiring revision. Based on the development of comprehensive instruments, the Islamic Education course shows good quality and is suitable for use.

Analisis Maqāṣid al-sharī’ah dalam Transaksi Jual Beli Ornamen Keagamaan Nonmuslim Rayyahun, Annisa; Sabbar, Sabbar Dahham
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 1 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i1.3439

This research examines the maqāṣid al-sharī’ah perspective in the context of buying and selling non-Muslim religious ornaments with a contemporary fiqh muamalah approach. The main focus of the research is to analyze the legal aspects, limitations, and implications of the transaction within the framework of maintaining the five fundamental aspects (ḍarūriyyah al-khams). The research methodology uses a qualitative approach with descriptive-normative analysis, combining classical and contemporary literature studies, as well as comparative analysis of scholarly opinions. Primary data is obtained from classical fiqh books, fatwas of contemporary scholars, and documentation related to the practice of buying and selling religious ornaments. Secondary data includes journals, scientific articles, and related research results. The results of the study show that: First, there are variations of scholarly opinions in determining the law of buying and selling non-Muslim religious ornaments. Second, this practice is permissible as long as it does not violate sharia principles, such as supporting activities that are contrary to Islam or harming the ummah. This transaction must maintain maslahat, tolerance and social harmony without obscuring Islamic identity.

Istishna’ dalam Transaksi Sistem Cash on Delivery (COD) pada Jual Beli Online Syahila Sukmana, Ahyana; Sabbar, Sabbar Dahham
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 1 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i1.3552

This study analyzes the application of the istishna’ contract in the Cash on Delivery (COD) system for online transactions from an Islamic law perspective. Using a conceptual and normative approach, this research explores the compliance of COD transactions with the pillars and conditions of the istishna’ contract, as well as the challenges in its implementation. The findings indicate that although the COD system can fulfill the elements of the istishna’ contract, several potential issues arise, such as unilateral order cancellations by buyers, unclear product specifications, and payment uncertainties, which may lead to injustice for sellers and delivery service providers. Therefore, clearer regulations in Islamic e-commerce are necessary, including an escrow mechanism based on the wadi’ah contract to ensure transaction security. This study highlights the importance of a more adaptive istishna’ contract model in digital e-commerce, ensuring balanced protection for all parties in accordance with the principles of justice in Islamic economics.

RELEVANSI DAN IMPLEMENTASI FIQH MUAMALAH DALAM TRANSAKSI EKONOMI MODERN Susanto, Dedi; Sabbar, Sabbar Dahham; Luthfi, Mukhtar
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2025): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v7i1.3390

Fiqh muamalah memiliki peran penting dalam mengatur transaksi ekonomi umat Islam sesuai prinsip syariah. Dalam era globalisasi dan digitalisasi, transformasi teknologi seperti fintech, blockchain, dan platform crowdfunding menuntut penyesuaian konsep muamalah agar tetap relevan. Artikel ini menganalisis bagaimana kaidah-kaidah fiqh, seperti ad-dharar yuzal (kemudaratan harus dihilangkan), al-‘adah muhakkamah (kebiasaan dapat menjadi hukum), dan al-yaqin la yuzal bil syakk (keyakinan tidak dapat dihilangkan dengan keraguan), diterapkan dalam praktik transaksi modern. Pendekatan Maqashid Syariah juga digunakan untuk memastikan bahwa setiap transaksi mendukung kemaslahatan (maslahah) dan mencegah kerusakan (mafsadah).Studi ini menemukan bahwa penerapan akad-akad klasik seperti salam, istishna’, dan mudharabah dapat disesuaikan dengan kebutuhan era digital. Namun, tantangan tetap ada, seperti kurangnya pemahaman masyarakat tentang fiqh muamalah, perkembangan teknologi yang cepat, dan kebutuhan fatwa yang berkelanjutan. Artikel ini menegaskan bahwa fiqh muamalah tidak hanya bersifat normatif, tetapi juga dinamis, memungkinkan integrasi antara prinsip syariah dan inovasi modern. Dengan pendekatan konseptual ini, fiqh muamalah dapat terus relevan sebagai pedoman utama dalam transaksi ekonomi kontemporer.

Maslahah Najmuddin Al-Thufi: A Framework for Fintech Benefit Realization in Indonesia Hasan, Nugraha; Abubakar, Achmad; Haddade, Hasyim; Kurniati, Kurniati; Nurjannah, Nurjannah; Sabbar, Sabbar Dahham
Jurnal Ilmiah Al-Syir'ah Vol 22, No 1 (2024)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v22i1.2100

This study explores the concept of maslahah, according to Najmuddin Al-Thufi, as a realization of fintech development in Indonesia. Najmuddin Al-Thufi developed a theory of maslahah that emphasizes flexibility and adaptability to dynamic socio-economic contexts. This study integrates the theory with the development of fintech in Indonesia. This descriptive and qualitative research provides a more comprehensive picture of the concept of maslahah at-Thufi and the phenomenon of fintech in detail and in-depth and using a phenomenological approach. Data sources come from secondary data from books and relevant and reliable journals related to the discussion of Maslahah Najmuddin at-Thufi and fintech. The results showed that applying Najmuddin al-Thufi's maslahah concept to the development of fintech in Indonesia can be implemented for effective regulation and support the growth of fintech in an inclusive, safe, and equitable manner. The maslahah principle, which focuses on the public good, can deal with challenges such as consumer protection, data security, financial inclusion, and business ethics. By applying this principle, regulations can be more adaptive and responsive to technological dynamics, ensuring that the real benefits to society are always prioritized in every regulatory decision.

Communication, Conflict, and Work Facilities: Determinants of Lecturer Work Commitment in Islamic Higher Education Institutions Tubagus, Munir; Syarifuddin, Syarifuddin; Koderi, Koderi; Sabbar, Sabbar Dahham
JURNAL AL-TANZIM Vol 9, No 4 (2025)
Publisher : Nurul Jadid University, Probolinggo, East Java, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/al-tanzim.v9i4.10756

This study investigates the influence of communication, conflict, and work facilities on lecturers' work commitment within Islamic higher education institutions. Previous research has emphasized the strategic role of effective communication and supportive work environments in enhancing organizational performance and employee engagement. However, limited attention has been given to understanding how these factors interact within the academic context of Indonesian Islamic universities. Using a quantitative research design, this study applied Structural Equation Modelling (SEM) with AMOS version 26 to analyze data from 310 permanent lecturers across four Islamic higher education institutions located in Manado, Makassar, Palu, and Ternate. The results reveal that communication has a significant and positive impact on lecturers' work commitment, indicating that open and effective interaction among academic members strengthens emotional attachment and professional responsibility. In contrast, conflict and work facilities show no significant influence, suggesting that interpersonal challenges and infrastructural conditions may play a less direct role in shaping commitment levels. These findings underscore the crucial role of internal communication in laying the groundwork for enhancing organizational loyalty and academic performance. Institutional leaders are advised to foster transparent, respectful, and participatory communication practices to sustain high levels of lecturer commitment and institutional productivity.

Istishna’ dalam Transaksi Sistem Cash on Delivery (COD) pada Jual Beli Online Syahila Sukmana, Ahyana; Sabbar, Sabbar Dahham
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 1 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i1.3552

This study analyzes the application of the istishna’ contract in the Cash on Delivery (COD) system for online transactions from an Islamic law perspective. Using a conceptual and normative approach, this research explores the compliance of COD transactions with the pillars and conditions of the istishna’ contract, as well as the challenges in its implementation. The findings indicate that although the COD system can fulfill the elements of the istishna’ contract, several potential issues arise, such as unilateral order cancellations by buyers, unclear product specifications, and payment uncertainties, which may lead to injustice for sellers and delivery service providers. Therefore, clearer regulations in Islamic e-commerce are necessary, including an escrow mechanism based on the wadi’ah contract to ensure transaction security. This study highlights the importance of a more adaptive istishna’ contract model in digital e-commerce, ensuring balanced protection for all parties in accordance with the principles of justice in Islamic economics.

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