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All Journal Ulumuna: Jurnal Studi Keislaman TERAJU : Jurnal Syariah dan Hukum Journal of Islamic Economics Journal of Economic & Business Law Review Tabsyir: Jurnal Dakwah Dan Sosial Humaniora Perspektif: Jurnal Pendidikan dan Ilmu Bahasa Ekonomi Keuangan Syariah dan Akuntansi Pajak Sahwahita: Community Engagement Journal Indonesian Journal of Islamic Law (IJIL) Journal of Economic and Islamic Research Panggung Kebaikan : Jurnal Pengabdian Sosial HOKI : Journal of Islamic Family Law AQaduna: Jurnal Hukum Ekonomi Syariah Istidlal: Jurnal Ekonomi dan Hukum Islam Al Fuadiy: Jurnal Hukum Keluarga Islam Al Itmamiy: Jurnal Hukum Ekonomi Syariah Tawazun: Journal of Sharia Economic Law
Zaenol Hasan
Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Integrasi Fintech dan Perbankan Syariah: Membangun Ekosistem Keuangan Digital yang Berkelanjutan Makki, Mustaqim; Hasan, Zaenol
Journal of Economic and Islamic Research Vol. 3 No. 2 (2025): Juli
Publisher : Prodi Ekonomi Syariah STAI Syaichona Moh. Cholil Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62730/journalofeconomicandislamicresearch.v3i2.215

Abstract

The development of digital technology has spurred the emergence of financial technology (fintech) capable of providing financial services quickly, efficiently, and inclusively.In the context of Islamic finance, Sharia fintech becomes a potential solution to support Sharia banking, especially in reaching communities that have not been optimally served.However, the integration between fintech and Islamic banking still faces several challenges, both in terms of regulation, Sharia compliance, and the readiness of infrastructure and digital literacy of the community.This research is a literature study aimed at examining the opportunities, challenges, and direction of integrating fintech and Islamic banking in building a sustainable digital financial ecosystem.The method used is qualitative analysis of current scientific sources and sharia financial policies.The study results indicate that the integration of fintech and Islamic banking can enhance financial inclusion, promote halal product innovation, and strengthen the economy of the community.However, strengthening governance, synergy between institutions, and Sharia supervision that is adaptive to technology are needed.This study recommends the development of an inclusive sharia digital financial ecosystem, based on sharia principles, and oriented towards sustainability.
Kebijakan Fiskal dan Distribusi Kekayaan pada Era Khalifah 'Umar bin Khattab: Analisis Historis terhadap Optimalisasi Zakat dalam Perspektif Ekonomi Islam Kontemporer Hasan, Zaenol; Makki, Mustaqim
Ulumuna: Jurnal Studi Keilsman Vol 11 No 1 (2025)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v11i1.8013

Abstract

This study discusses the relevance of Caliph ‘Umar bin Khattab's fiscal policy in responding to the challenges of wealth distribution inequality facing contemporary Muslim countries. The main questions raised are: How can the zakat distribution model of ‘Umar's time be adopted as a fiscal solution in the context of modern Islamic economics? This research occupies a historical-normative position with an Islamic Principle approach, examining zakat policy as the main instrument of wealth distribution and community economic empowerment. The method used is a literature study of classical and contemporary sources, analysed with an institutional approach. The results show that the integration of a centralised zakat system, fiscal decentralisation and the principle of social justice applied by ‘Umar proved to improve welfare and reduce social inequality. The findings suggest that strengthening zakat literacy, tax incentives, and management modernisation can make zakat an effective and ethical fiscal instrument in the current Indonesian context.
TRANSAKSI E-COMMERCE DALAM PERSPEKTIF SYEKH YUSUF AL-QARDAWI : RELEVANSI DENGAN UNDANG-UNDANG PERLINDUNGAN KONSUMEN Hasan, Zaenol; Saini, Saini
AQaduna : Jurnal Hukum Ekonomi Syariah Vol 2 No 2 Agustus 2024
Publisher : Sekolah Tinggi Agama Islam Nurul Huda Kapongan Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52491/aqaduna.vi.147

Abstract

Penelitian ini mengkaji relevansi pandangan Syekh Yusuf Al-Qardawi terhadap transaksi e-commerce dalam konteks perlindungan konsumen di Indonesia. E-commerce telah menjadi sarana utama dalam perdagangan modern, namun kajian dari perspektif ekonomi Islam, khususnya terkait pandangan ulama kontemporer, masih terbatas. Kajian ini bertujuan untuk mengisi kesenjangan teori dengan mengeksplorasi bagaimana prinsip-prinsip Islam yang diusulkan oleh Syekh Yusuf Al-Qardawi, seperti larangan gharar (ketidakpastian), riba (bunga) dan maisir (spekulatif), dapat diterapkan dalam transaksi digital, serta relevansinya dengan Undang-Undang Perlindungan Konsumen (UUPK) di Indonesia. Hasil penelitian menunjukkan bahwa pandangan Al-Qardawi mengenai keadilan, transparansi, dan etika bisnis sejalan dengan prinsip-prinsip yang diatur dalam UUPK, yang bertujuan untuk melindungi hak konsumen dari praktik-praktik yang merugikan dalam transaksi online. Meski ada perbedaan dalam penerapan beberapa aspek hukum Islam, keduanya berkontribusi pada pembentukan ekosistem bisnis yang adil, aman, dan sesuai syariah dalam e-commerce. Penelitian ini diharapkan dapat menjadi dasar teoritis dalam merumuskan regulasi e-commerce yang lebih adil dan melindungi hak konsumen di Indonesia.
Peran Strategis Pengadilan Agama Bondowoso dalam Upaya Pencegahan Pernikahan Dini Perspektif Maqasid Asy Syariah Abdul Majid An-Najjar Rosihan, Rosihan gustiawan afandi; Saini; Zaenol Hasan
HOKI : Journal of Islamic Family Law Vol. 3 No. 2 (2025): HOKI : Journal of Islamic Family Law
Publisher : Program Studi Hukum Keluarga Islam (HKI) dan bekerjasama dengan Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LP2M) Institut Pesantren Sunan Drajat Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/hki.v3i2.2296

Abstract

Fenomena pernikahan usia dini masih menjadi persoalan serius di Indonesia, termasuk di Kabupaten Bondowoso, yang hingga kini mencatat angka tinggi dalam pengajuan dispensasi nikah. Padahal, Undang-Undang Nomor 16 Tahun 2019 telah dengan tegas menetapkan usia minimal untuk menikah adalah 19 tahun. Kondisi tersebut menimbulkan dilema antara penerapan hukum positif, tekanan sosial-budaya yang kuat, serta nilai-nilai syariat Islam yang hidup di masyarakat. Penelitian ini berupaya menjawab dua pokok permasalahan utama. Pertama, bagaimana peran strategis Pengadilan Agama Bondowoso dalam mencegah pernikahan dini ditinjau dari perspektif Maqāṣid al-Syarī‘ah Abdul Majid An-Najjar. Kedua, apa saja faktor pendukung dan penghambat dalam pelaksanaan strategi pencegahan tersebut menurut pandangan maqāṣid. Tujuan penelitian ini adalah untuk menggambarkan praktik pencegahan pernikahan dini yang dilakukan oleh Pengadilan Agama Bondowoso serta menganalisisnya melalui pendekatan maqāṣid al-syarī‘ah, agar dapat memberikan pemahaman akademis dan praktis terkait upaya perlindungan anak oleh lembaga peradilan agama. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus, melalui teknik observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa Pengadilan Agama Bondowoso menjalankan peran strategis melalui kebijakan pengetatan dispensasi nikah, edukasi hukum kepada masyarakat, serta kerja sama lintas lembaga. Dalam pandangan maqāṣid al-syarī‘ah, kebijakan tersebut sejalan dengan tujuan menjaga jiwa (ḥifẓ al-nafs), melindungi keturunan (ḥifẓ al-nasl), dan menjaga kehormatan (ḥifẓ al-‘irḍ). Temuan ini menegaskan pentingnya penguatan literasi hukum dan kesadaran sosial masyarakat sebagai upaya menekan angka pernikahan anak, sehingga nilai-nilai keadilan dan kemaslahatan syariat dapat terwujud secara berkelanjutan.
Perspektif Maqashid Al-Syariah tentang Pendayagunaan Dana Zakat untuk Membiayai Infrastruktur Zaenol Hasan
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol. 6 No. 2 (2022)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/istidlal.v6i2.441

Abstract

Zakat pada dasarnya memiliki tujuan sebagai pemenuhan kebutuhan seorang mustahik guna menjamin kebutuhan pokok yang mendesak, juga memiliki tujuan yang bersifat permanen yaitu mengentaskan tingkat kemiskinan. Hal ini merupakan seperangkat alternatif untuk mensejahterakan umat Islam secara umum dari kemiskinan juga sebagai pemenuhan kewajiban dalam syari’at. Dalam hal ini pengelolaan dana zakat secara tepat dan akurat terhadap perbaikan sarana dan prasarana infrastruktur menjadi lebih baik, dengan tujuan regulasi perekonomian masyarakat menjadi lancar. Terdapat dua pendapat mengenai penggunaan dana zakat untuk infrastruktur dengan mengintrepretasi makna Fi Sabilillah, pertama tidak boleh, dengan memaknai Fi Sabilillah adalah “berperang di jalan Allah SWT (jihad)”, kedua boleh, dengan memaknai Fi Sabilillah lebih luas adalah “seluruh unsur kebaikan”.
Jangka Waktu Pengembalian Barang Elektronik Sistem Garansi Perspektif Mazhab Syafi’i Dan Undang-Undang Perlindungan Konsumen Nomor 8 Pasal 27 Huruf (E) Tahun 1999 Zaenol Hasan
Tabsyir: Jurnal Dakwah dan Sosial Humaniora Vol. 1 No. 1 (2020): Januari : Jurnal Dakwah dan Sosial Humaniora
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/tabsyir.v1i1.623

Abstract

In a transaction, especially electronic goods cannot be separated from the possibility of defects or damage to goods, thus causing electronic goods manufacturers to provide guarantees (warranties) to consumers. Law Number 8 Article 27 Letter (e) of 1999 discusses consumer protection, which one of the articles is the period for demanding damaged goods is 4 years or in accordance with the contract, not exceeding the maximum period. This study aims to describe the period of return of electronic goods warranty system from the perspective of shafi'I school of thought and the period of return of electronic goods warranty system according to consumer protection law number 8 article 27 letter (e) of 1999. The research method used is a qualitative method through data techniques in the form of, observation, and documentation. The analysis technique uses the content analysis method. The results of the study concluded that: Imam Shafi'i Mazhab argues that the state of khiyar is not more than three days, it is a relief (rukshah). In transactions, especially electronic products, manufacturers use a warranty system that is in accordance with Law No. 8 Article 27 letter (e). The period to sue for defective goods is 4 years or according to the contract, not exceeding the maximum period.
Kajian Yuridis Tentang Pelaksanaan Poligami Beserta Akibat Hukumnya Perspektif Hukum Islam dan Undang-Undang : (Studi Kasus Di Pengadilan Agama Bondowoso Nomor Perkara 1580/Pdt.G/2021/PA.Bdw) Firatul Kamila; Bachrul Ulum; Zaenol Hasan
Al Fuadiy Jurnal Hukum Keluarga Islam Vol. 5 No. 1 (2023): Al Fuadiy : Jurnal Hukum Keluarga Islam
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/af.v5i1.461

Abstract

This thesis discusses: 1) Juridical Review of Polygamy Case study Case number 1580/Pdt.G/2021/PA.Bdw at the Bondowoso Religious Court. 2) Juridical Review of Polygamy according to Islamic Law at the Bondowoso Religious Court. 3) Juridical Review of Polygamy according to Islamic Law and the Law on Case Studies case number 1580/Pdt.G/2021/PA.Bdw at the Bondowoso Religious Court. The purpose of this study is to find out the review of Islamic law and the law regarding the practice of polygamy, considering the decisions taken in the case of the Bondowoso Religious Court. This type of research is field research, namely a research conducted in the field or at a research location, or a place chosen as a location to investigate objective phenomena. This research is carried out intensively, in detail and in depth on a particular object by studying it as a case. The results of this study are that the concept of polygamy according to Islamic law is a reference for husbands who want to carry out polygamy. The concept of justice in polygamy according to Islamic law at the Bondowoso Religious Court is in accordance with what has been exemplified by Rasulullah SAW, because it follows all the requirements and procedures that have been stipulated in Law no. 1 of 1974 concerning Marriage and the Compilation of Islamic Law itself. For further researchers, Suggestions that can be given related to this research are expected for future researchers to add more sources to find reports on polygamy in the Religious Courts and the object of this research is expected to be expanded.
Wakaf Tunai (Uang) Perspektif Hukum Islam dan Undang-undang Indonesia Zaenol Hasan
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 4 No. 1 (2022): Al Itmamiy:Jurnal Hukum Ekonomi Syariah
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v4i1.21

Abstract

Wakaf merupakan salah satu pilar filantropi di dalam agama Islam yang memiliki relasi sengat kuat dengan kesejahteraan sosial guna untuk menciptakan manusia yang damai, rukun, dan sejahtera. Pengelolaan zakat berdasarkan hukum positif yang terlampir dalam UU RI NO 41 TAHUN 2004, menerangkan bahwa lembaga wakaf sebagai penata keagamaan yang memiliki potensi dan manfaat ekonomi perlu dikelola secara efektif dan efisien untuk kepentingan ibadah, terciptanya keadilan dan untuk memajukan kesejahteraan umum. salah satu firlantropi yang masih diperbaiki di sektor kebijakan publik dan memperdayakan masyarakat adalah dengan cara memperbaiki disektor wakaf tunai (cash wakaf). wakaf uang (tunai) dalam PMA ini diartikan sebagai perbuatan hukum wakif untuk memisahkan dan atau menyerahkan sebagian uang miliknya untuk dimanfaatkan selamanya atau untuk jangka waktu tertentu sesuai dengan kepentinganya guna keperluan ibadah dan atau kesejahteraan umum menurut syariah.Perbedaan ulama’ tentang boleh atau tidaknya wakaf uang terletak pada illat objek wakaf itu sendiri. Sehingga benda yang hanya diperbolehkan untuk diwakafkan adalah benda yang bersifat abadi. para ulama’ salaf lebih menekankan keabadian mauquf dari eksistensi bendanya, namun menurut ulama’ khalaf dan madzhab hanafiyah lebih menekankan keabadian manfaat, meskipun barangnya dapat berupa uang atau benda yang memiliki manfaat lainnya. Karena tujuan utamanya adalah untuk mendapatkan manfaat yang lebih besar dari asal mauquf itu sendiri. Jenis penelitian ini adalah kualitatif dengan kajian kepustakaan (library research). Library research diartikan sebagai kajian atau penelitian terhadap sumber-sumber kepustakaan serta menggunakan bahan-bahan tertulis dalam bentuk buku-buku yang berkaitan dengan fokus penelitian ini. Penelitian ini bersifat deskriptif analisis yaitu suatu metode yang menggambarkan dan menjelaskan secara sistematis
TEORI MASLAHAH DALAM EKONOMI ISLAM : (FIKIH MUAMALAH) Zaenol Hasan
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 4 No. 2 (2022): Al Itmamiy:Jurnal Hukum Ekonomi Syariah
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v4i2.379

Abstract

: Economics is an inseparable part of human life, with economic activity, humans can fulfill their needs such as eating, drinking, living, and carrying out other activities. An economy that cannot be fulfilled, of course, will have a significant impact on human life. For this reason, the economy is only part of the human life sector and must be carried out based on the laws that Allah has given. In this case, Islam has principles that are intended for humans, so that in economic activity can be lucky, useful, and share the grace of the universe (Maslahah 'ammah). There are three points of discussion (a) How is Maslahah Mursalah in the view of the Ulama? (b) What are the divisions of Maslahah in Islam? (c) How are the theories of Maslahah in Islamic Economics? The type of research in this writing is qualitative with library research. Library research is defined as a study or research on library sources and using written materials in the form of books related to the focus of this research. This research is descriptive analysis, which is a method that describes and explains systematically. The results of the discussion in this study are as follows, In principle, maslahah is taking benefits and rejecting misfortune in order to maintain the goals of shara', Maslahah dlaruriyyat is something that must be realized in order to realize the benefits of religion and the world. There are five things included in it, namely: Keeping religion (حفظ الدين), Keeping the soul (حفظ النفس), Keeping offspring (حفظ النسل), Keeping property (حفظ المال), Keeping reason (حفظ العقل). All forms of muamalah must fulfill the following principles: وجود التبادل (the existence of exchange). وجود التعادل (the existence of justice or equality), وجود التراضى (the voluntariness of both parties), عدم الغرار (no speculative), عدم الربا (does not contain usury) and عدم الضرر (no harm).
Wakaf Uang dalam Ekosistem Ekonomi Digital: Solusi Keuangan Islam untuk Era Industri 4.0 Hasan, Zaenol; Musari, Khairunnisa; Makki, Mustaqim
TAWAZUN: Journal of Sharia Economic Law Vol 8, No 1 (2025): 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.v8i1.31106

Abstract

The advancement of the digital economy in the Fourth Industrial Revolution era has created new opportunities for optimizing Islamic financial instruments, including cash waqf. This study aims to conceptualize the digital transformation of cash waqf by exploring its fundraising mechanisms, product integration with Islamic fintech platforms, and governance models in the digital ecosystem. Employing a qualitative descriptive approach with library research methodology, this study utilizes a systematic literature review (SLR) to examine relevant academic sources and regulatory documents. The findings reveal that: (1) online fundraising through digital payment systems and Islamic crowdfunding platforms has significantly enhanced public participation and accessibility; (2) product innovation such as waqf-based insurance, corporate waqf, and share waqf has been facilitated through fintech integration, aligning with the objectives of maqasid al-shariah; and (3) digital governance models incorporating blockchain and good corporate governance (GCG) principles have improved transparency, accountability, and institutional credibility. This study contributes to Islamic economic literature by offering a theoretical framework that synthesizes classical waqf principles with modern financial technology. It also highlights the potential of digital cash waqf as a transformative tool for inclusive socio-economic empowerment, while noting the need for improved digital literacy, regulatory frameworks, and inter-sectoral collaboration.
Co-Authors Ahmad Sovil Ana Puspita Bachrul Ulum Benali, Fatima Zohra Fachry Abda El Rahman Firatul Kamila Firatul Kamila Hery Widijanto Khairunnisa Musari Makki, Mustaqim Miftahussurur, Wildan Miftahussurur Mohammad Firmansyah Mohammad Zainal Ridan Muhtadi Rosihan, Rosihan gustiawan afandi Saini Santos, Rijal Ali Santos