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Contemporary Dynamics of Sharia Economic Law: DSN-MUI Fatwa No. 21/2001 in Takaful Dispute Rulings Syihabudin; Rahmatullah; Najmudin; Henri Bimawan; Fandy Adpen Lazzavietamsi
MILRev: Metro Islamic Law Review Vol. 4 No. 2 (2025): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v4i1.10470

This research examines the role of Islamic law (Fatwa) in the formation and interpretation of positive law in Indonesia related to sharia insurance disputes, primarily through the decision of the Constitutional Court. Specifically, this study examines how the Supreme Court considers the DSN-MUI fatwa in resolving family takaful disputes, as well as how judicial authorities interpret, accept, or disregard the DSN-MUI fatwa as a consideration in such dispute cases within contemporary Sharia Economic law. Using normative juridical methods and jurisprudential analysis, this study analyses the decisions of the Constitutional Court that refer to Islamic principles such as justice (al-ʿadl), public interest (maṣlaḥah), and equality (musāwah). Data were obtained through the analysis of judicial decisions and Islamic law sources. The findings show that while Islamic law (specifically Fatwa) is not a formal source of national law, its values are selectively adopted in Constitutional Court decisions, especially in cases related to public morality, human rights, and Islamic finance. However, the integration of values is normative and symbolic but bare of methodological consistency based on uṣūl al-fiqh. This legal ambiguity limits the normative power of Islamic law and raises concerns about the protection of Muslim consumer rights. This study recommends institutionalizing Islamic legal reasoning through standardized methods of interpretation and increasing legal literacy among judges to promote consistent and substantial integration of sharia values in constitutional courts.

Pengaruh Label Halal dan Harga terhadap Keputusan Pembelian Obat Bebas (Studi Kasus di Kecamatan Kragilan, Kabupaten Serang) Sulistia, Sela; Bahri, Syaeful; Syihabudin; Wasehudin
Arus Jurnal Sosial dan Humaniora Vol 5 No 2: Agustus (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i2.1307

Latar belakang penelitian ini didasarkan pada meningkatnya kesadaran masyarakat Muslim terhadap pentingnya aspek kehalalan dalam konsumsi, termasuk pada produk non-pangan seperti obat. Di sisi lain, pertimbangan rasional seperti harga tetap menjadi faktor penting dalam proses pengambilan keputusan konsumen. Oleh karena itu penelitian ini bertujuan untuk mengetahui pengaruh label halal dan harga terhadap keputusan pembelian obat bebas, dengan mengambil studi kasus di Kecamatan Kragilan, Kabupaten Serang. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif asosiatif, dengan penyebaran kuesioner kepada 100 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui software SmartPLS 4. Hasil penelitian menunjukkan bahwa label halal dan harga berpengaruh signifikan terhadap keputusan pembelian, namun dengan kekuatan pengaruh yang berbeda. Variabel harga memiliki pengaruh yang lebih dominan dibandingkan label halal. Nilai R-square sebesar 0,443 menunjukkan bahwa kedua variabel independen mampu menjelaskan 44,3% variasi dalam keputusan pembelian. Temuan ini mencerminkan bahwa meskipun aspek religius penting bagi masyarakat Kecamatan Kragilan, pertimbangan ekonomis seperti harga masih menjadi faktor utama dalam memilih produk obat bebas.

Boycott, Intention, and Purchase Decisions among Generation Z: A PLS-SEM Analysis Based on Qawāʿid Fiqhiyyah Qotrunnada; Syihabudin; Muhamad Fakhrudin; Suryani, Risa
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 17 No. 1 (2025): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/az-zarqa.v17.i1.4221

Abstract: Purchase or avoidance decisions regarding fast-food brands associated with pro-Israel affiliations among Generation Z university students in Banten Province are examined through two complementary lenses: PLS-SEM modeling and reasoning grounded in Qawāʿid Fiqhiyyah. The sample comprises 125 respondents, all active social-media users. Findings indicate that consumer animosity does not affect either purchase intention or purchase decision. Religiosity exerts a positive and statistically significant direct effect on purchase decisions, but not on intentions. Exposure to and participation in social-media boycott campaigns have positive and significant effects on both intention and decision, while the indirect pathway via intention is observed only from boycott to decision and is small in magnitude. Purchase intention itself significantly predicts purchase decisions, also with a small effect. Document analysis links these estimates to three legal maxims. Al-umūr bi maqāṣidihā explains value-driven execution that can bypass the intention phase, clarifying why religiosity operates at the decision point. Al-‘ādah muḥakkamah accounts for the persistence of habit, store proximity, and promotions that attenuate the move from animosity to action. Al-yaqīn lā yazūlu bi al-shakk underscores the need for credible evidence of brand affiliation so that intention and decision are not stalled by doubt. Practical implications include evidence-based value education, accessible halal substitutes, competitive pricing, and supply-chain transparency to foster yaqīn and stabilize ethical compliance in everyday choices. The study enriches Islamic Business Law with an auditable, replicable normative-empirical bridge. Abstrak: Keputusan membeli atau menghindari merek fast food yang diasosiasikan pro-Israel pada mahasiswa Generasi Z di Provinsi Banten dibaca melalui dua lensa yang saling melengkapi, yakni pemodelan PLS-SEM dan penalaran Qawāʿid Fiqhiyyah. Sampel berjumlah 125 responden yang seluruhnya pengguna media sosial. Hasil menunjukkan consumer animosity tidak berpengaruh terhadap intensi maupun keputusan. Religiusitas berpengaruh positif dan signifikan langsung pada keputusan, namun tidak pada intensi. Paparan serta partisipasi pada gerakan boikot di media sosial berpengaruh positif dan signifikan pada intensi dan keputusan, sementara pengaruh tidak langsung yang melalui intensi hanya terbukti pada jalur boikot menuju keputusan dan berukuran kecil. Intensi sendiri berpengaruh signifikan terhadap keputusan dengan efek yang juga kecil. Analisis dokumen menautkan angka tersebut pada tiga kaidah. Al-umūr bi maqāṣidihā menjelaskan eksekusi nilai yang dapat memintas fase niat sehingga religiusitas bekerja pada titik keputusan. Al-‘ādah muḥakkamah menerangkan daya lekat kebiasaan, kedekatan gerai, dan promosi yang menetralkan dorongan menjauh sehingga animosity tidak otomatis menjadi aksi. Al-yaqīn lā yazūlu bi al-shakk menegaskan pentingnya kepastian afiliasi merek agar intensi dan keputusan tidak tertahan oleh keraguan. Implikasi praktis mengarah pada edukasi nilai yang berbasis bukti, penyediaan substitusi halal yang mudah diakses, penyesuaian harga yang kompetitif, serta transparansi rantai pasok agar yaqīn terbentuk dan kepatuhan etis lebih stabil pada level keputusan sehari-hari. Temuan ini memperkaya Hukum Bisnis Islam dengan jembatan normatif-empiris yang dapat diaudit dan direplikasi.

Activities of Selling and Buying Non-Halal Certified Meat in Review of Islamic Business Ethics and Fiqh Muamalah Afifah, Wahyu Nabil; Syihabudin; Muhammad Abduh
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22499

This study aims to determine the activities of buying and selling non-halal certified meat in terms of Islamic business ethics according to Syed Nawab Haider Naqvi and Fiqh Muamalah. Because in buying and selling activities in the Kukun Traditional Market, Rajeg District does not pay attention to halal certification on the goods it sells or buys. Many meat traders do not have halal certification and meat buyers who do not make sure whether the meat they buy is cut according to Islamic law. So this research discusses business ethics according to Syed Nawab Haider Naqvi which has 4 principles, namely: Tawhid (unity), Balance, Freewill, and Responsibility. When viewed from Islamic business ethics, meat traders have implemented Islamic business ethics such as Tauhid (unity), Balance, Freewill, and Responsibility in their business activities. However, when viewed from fiqh muamalah which is seen from the side of non-halal certified meat traders in the Kukun Traditional Market, Rajeg District, it is still allowed. It's just that the slaughter process is in accordance with Islamic law and the meat is not contaminated with haram substances. However, meat traders in the Kukun Traditional Market should obtain halal certification, because in line with Sadd Adz-Dzari'ah halal certification can protect consumers from consuming haram meat or bringing Mufsadah. And when viewed from the side of consumers who do not ensure that the meat is slaughtered according to Islamic law, the meat they buy may be consumed, it's just that it's better for consumers to buy meat that has pocketed halal certification so that the slaughter process is in accordance with Islamic law. If consumers doubt that meat traders do not say Basmallah, consumers only need to be prejudiced and then when they want to eat it, they must recite Basmallah.

Pengaruh Marketing Mix Syariah (7P) terhadap Minat Beli Produk Jasa (Studi Kasus pada PT. Nurul Muflihun Al-Barokah Cabang Serang) Muharromah, Zahratul; Syihabudin; Najmudin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22916

This study aims to analyze the influence of the Sharia Marketing Mix (7P) on the purchase interest of service products at PT. Nurul Muflihun Al-Barokah Serang Branch. The Sharia Marketing Mix consists of seven elements: product, price, place, promotion, people, process, and physical evidence. This research uses a quantitative method with a survey approach. Data were collected through questionnaires distributed to consumers of PT. Nurul Muflihun Al-Barokah. Direct observations of potential pilgrims and interviews with PT. Nurul Muflihun Al-Barokah staff and Umrah pilgrims were also conducted. The results of multiple linear regression analysis show that the variables of product, price, promotion, people, process, and physical evidence significantly influence consumer purchase interest, while the variable of place does not show significant influence. These findings indicate the importance of focusing on product, price, promotion, people, process, and physical evidence in marketing strategies to increase consumer purchase interest. This research is expected to contribute to the development of more effective marketing strategies in the Sharia-based service industry. Keyword: Purchase Interest, Service Pruducts, Sharia Marketing Mix

Analisis Penerapan Etika Bisnis Islam dalam Membangun Loyalitas Konsumen (Studi Kasus Kafe Cavelet) Sulastri, Ratu; Syihabudin; Fakhrudin, Muhamad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22985

The purpose of this research is to describe in detail about Islamic business ethics in building consumer loyalty at Cavelet Cafe. This research is located on jl. Palka cipelem, paleh kec. Pabuaran kab. Serang prov. Banten. Researchers took samples and data through interviews with the owner, employees, and consumers of this Cavelet cafe. In this study the total number of informants was 2 people. The data validity test technique used is the trigulation technique. While the data analysis technique used is a qualitative data analysis technique consisting of data reduction, data presentation, and conclusions. The results of this study indicate that the Islamic business practices carried out by Cavelet Cafe have been carried out according to Islamic business activities based on Islamic business ethics. However, this cavelet cafe has not fully implemented indicators of building good relationships with consumers and ihsan or benevolence in serving consumers. The implementation of the principles of Islamic business ethics in increasing customer loyalty has been implemented quite well although there are still shortcomings in one of the principles. The level of consumer loyalty at Cavelet Cafe as a whole is good, but there are still some consumers who state that it is not good for consumers, so consumers are reluctant to make repeat purchases and recommendations to prospective buyers or other buyers. Keywords: Islamic Business Ethics; Consumer Loyalty

Pengaruh Viral Marketing, Etika Bisnis, dan Online Customer Review Terhadap Keputusan Pembelian dalam Perspektif Ekonomi Islam (Studi Kasus pada Pembeli Bakso Goreng Raja Ngemil di Marketplace Shopee) Amalia, Dinda Dwi; Syihabudin; Fakhrudin, Muhamad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23071

This research aims to analyze the influence of viral marketing, Islamic business ethics, and online customer reviews in influencing purchasing decisions for Bakso Goreng Raja Ngemil. The sampling technique used in this research uses the Cochran formula because the population size is not known with certainty with the number of respondents being 102 people using a Likert scale measuring instrument. The analysis tool used is SPSS 25.0. The research results show that 1) Viral marketing has a positive and significant effect on purchasing decisions, 2) Islamic business ethics has a positive and significant effect on purchasing decisions, 3) Online Customer Reviews has a positive and significant effect on purchasing decisions. Keyword: Islamic Business Ehicsm, Online Customer Review, Purchase Decisions, Viral Marketing

Pengaruh Labelisasi Halal, Kualitas Produk dan Kualitas Pelayanan terhadap Pembelian Ulang Produk Makanan Halal Lumpiabeef. Pdg di Kabupaten Pandeglang Nida, Anisa Ulfatun; Syihabudin; Najmudin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 4 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i4.23470

Usaha Mikro Kecil Menengah (UMKM) telah menjadi bagian penting dari sisteme perekonomian Indonesia karena mereka memiliki keunggulan dibandingkan usaha besar, memiliki lebih banyak unit usaha, dan dapat menyerap lebih banyak tenagae kerja Meskipun UMKM adalah usaha berskala kecil, mereka tetap harus memiliki label halal karena mayoritas penduduk Indonesia beragama muslim. Label halal sangat penting bagi produsen untuk memberi tahu pelanggan bahwa produk mereka halal. Selain label halal, kualitas produk dapat memengaruhi keputusan pelanggan untuk memutuskan membeli ulang. Usaha UMKM Lumpiabeef.pdg memiliki reputasi yang baik untuk produknya. Selain itu kualitas pelayanan yang diberikan kepada pelanggan, apakah membuat pelanggan merasa nyaman saat membeli produknya. Penelitian ini merupakan jenis penelitian kuantitaitif. Dalam penelitian ini, Statistical Program for Social Science 25 digunakan untuk menganalisis data. Hasil dari penelitian ini menunjukan bahwa labelisasi halal, kualitas produk dan kualitas pelayanan berpengaruh positif dan signifikan terhadap keputusan pembelian ulang makanan halal Lumpiabeef.pdg di Kabupaten Pandeglang. Kata Kunci : Kualitas Pelayanan, Kualitas Produk, Labelisasi Halal, Pembelian Ulang, UMKM.

Intention to Use Islamic Fintech Which is Influenced by Sharia Compliance Variabels, Perceived Usefulness, Islamic Religiosity and Perceived Ease of Use Permana, Daffa Abdi; Syihabudin; Najmudin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 4 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i4.23510

This study aims to determine whether sharia compliance, perceived usefulness, Islamic religiosity and perceived convenience partially or simultaneously have a positive and significant effect on the intention to use sharia fintech. This type of research uses quantitative research with descriptive and associative approaches. The sample in the study amounted to 82 respondents. The data analysis technique used is instrument test, classical assumption test, multiple linear regression analysis, hypothesis testing and coefficient of determination (R2) analysis with SPSS version 26.0 program. The results of data analysis show that the results of the partial test (t test), sharia compliance, perceived usefulness and perceived convenience partially have a positive and significant effect on the intention to use sharia fintech, while Islamic religiosity has no significant effect. The simultaneous test results (F test) show that F count (44,526) > F table (2.72) with a significance value of 0.000 <0.05. It can be concluded that sharia complianc, perceived usefulness, Islamic religiosity and perceived convenience simultaneously have a positive and significant effect on the intention to use Islamic fintech.

Pengaruh Literasi Zakat, Pendapatan Usaha, dan Lingkungan Sosial terhadap Kesadaran Membayar Zakat Perdagangan di Laz Dompet Dhuafa Banten (Studi pada Pelaku Usaha Provinsi Banten) Karim, Muhammad Luthfan; Syihabudin; Mohamad Ainun najib
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 4 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i4.23520

Fokus penelitian ini adalah untuk mengetahui mengetahui apakah literasi zakat, pendapatan usaha, dan lingkungan berpengaruh terhadap kesadaran membayar zakat perdagangan di LAZ Dompet Dhuafa Banten pada pelaku usaha di Banten. Sampel dalam penelitian ini berjumlah 70 dari rumus ferdinand. Alat analisis dalam penelitian ini menggunakan SPSS versi 23. Hasil penelitian didapat bahwa literasi zakat berpengaruh terhadap kesadaran membayar zakat perdagangan di Dompet Dhuafa Banten pada pelaku usaha di Banten (4,397 > 1,668) , pendapatan usaha berpengaruh secara signifikan terhadap kesadaran membayar zakat perdagangan di Dompet Dhuafa Banten pada pelaku usaha Banten (2,307 > 1,668) , dan lingkungan sosial berpengaruh terhadap kesadaran membayar zakat perdagangan di Dompet Dhuafa Banten pada pelaku usaha di Banten (4,407 > 1,668) . Lalu hasil uji simultan menunjukkan literasi zakat, pendapatan usaha, dan lingkungan sosial berpengaruh secara signifikan terhadap kesadaran membayar zakat perdagangan di Dompet Dhuafa Banten pada pelaku usaha Banten (32,978 > 2,740). Literasi zakat, pendapatan usaha, dan lingkungan sosial berpengaruh terhadap kesadaran membayar zakat perdagangan di Dompet Dhuafa Banten pada pelaku usaha Banten sebesar 68,7%.

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