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All Journal Islam Futura Religio : Jurnal Studi Agama-agama SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam At-Tafkir Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Britain International of Humanities and Social Sciences (BIoHS) Journal Syarah: Jurnal Hukum Islam dan Ekonomi Al-Hiwalah : Journal Syariah Economic Law el hisbah: Journal of Islamic Economic Law JURISTA : Jurnal Hukum dan Keadilan
Zulhamdi, Zulhamdi
JURNAL PAJAR (Pendidikan dan Pengajaran)
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Hutang Uang Dibayar Emas dan Akibat Hukumnya Terhadap Para Pihak Mahyuni, Mahyuni; Zulhamdi, Zulhamdi; Ulfah, Almira Keumala
el hisbah Journal of Islamic Economic Law Vol 4 No 2 (2024)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v4i2.9232

Abstract

This study aims to analyze the payment of debt with gold and its legal consequences for the parties. The research method uses empirical juridical with a qualitative approach. This study was conducted in the Muslim community in North Aceh Regency. Data collection techniques use observation, interviews and documentation. The analysis technique uses an interactive model. The research findings were analyzed using the perspective of Islamic economic law. The results of the study indicate that the mechanism for paying debts with gold in North Aceh Regency, initially the debtor (muqtarid) receives money from the price/measurement of gold then returns it to the creditor (muqrid) with previously measured gold. Reviewed from Islamic economic law, paying debts with gold in North Aceh Regency violates the pillars of debt and receivables. In debt and receivable transactions, "it is obligatory for the borrower to return the missile of the property that is owed to him". As a solution, hillah (حيلة) is carried out, namely money is turned into gold and then paid with gold, this is formally valid but not morally valid because it is contrary to the principle of mutual assistance in Islamic economic law. This study contributes to the development of Islamic economic law, especially as a reference for debt and receivables transactions as prescribed by Islam.
Punishment for Prostitution Offenders in the Review of Maqashid Syariah Syarif, Muhammad; Zakaria, Zakaria; Zulhamdi, Zulhamdi; Hasbi, Husnaini; Nazir, Muhammad
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v3i2.4715

Abstract

Prostitution which is prostitution is very dangerous for the maintenance of offspring (hifz al-nasl) and lead to criminal acts of crime under Islamic law. This library research was conducted by studying books and journals that are relevant to the writing of this article. In the Islamic perspective there is no nomenclature implicitly mentioning prostitution. Prostitution is the provision of sexual services by a man or a woman for money or satisfaction. Prostitution or prostitution is defined as adultery. Prostitution is a practice that destroys the foundations of family life, morality, morality, law and religion. In the Qur'an it is explained that the appropriate punishment for adulterymuhsan in the form of punishment of stoning and adulteryghairu muhsan was subject to a penalty of 100 lashes. Give punishment to the perpetrators of prostitution to prevent the occurrence of acts of adultery that can damage the sustainability of human life, especially aspects dharuriat, namely maintenance hifz al-nasl. Punishments are given in order to create sharia goals and punishment in Islamic law which includes prevention and guidance can be achieved and creates a deterrent effect for perpetrators, and not to repeat the act. Keywords: Punishment, Prostitutes, Maqashid Sharia
The Transformation of Risk Management in Islamic Financial Institutions: A Sharia Economic Law Perspective Desky, Harjoni; Zulhamdi, Zulhamdi; Savitri, Asmah
Al-Hiwalah: Journal of Sharia Economic Law Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v4i1.6060

Abstract

Risk management in Islamic financial institutions presents a unique challenge due to the dual necessity of aligning with conventional management practices and the legal-ethical framework of Sharia. The central problem of this research is the lack of integration between evolving risk management practices and the foundational principles of Sharia Economic Law, which often leads to either operational inefficiency or potential non-compliance with Islamic legal norms. This disconnect becomes more critical due to increasing financial complexity, technological innovation, and regulatory demands. Therefore, this study addresses the following research question: How is risk management transforming within Islamic financial institutions, and to what extent does this transformation comply with the principles of Sharia Economic Law? The study also explores whether such transformation strengthens the Islamic finance sector's legal certainty, stakeholder trust, and institutional resilience. This research adopts a qualitative-descriptive method with a normative legal approach. Data were collected through document analysis of legal provisions, fatwas, and risk management frameworks used in selected Islamic financial institutions. In-depth interviews with Sharia board members and risk officers from Islamic banks were also conducted to capture practical insights and legal reasoning. The findings show that the transformation of risk management in Islamic financial institutions is occurring on three fronts: technological adoption (e.g., AI and big data for risk analysis), regulatory compliance alignment (integration of OJK and DSN-MUI standards), and internal policy development grounded in maqashid al-shariah. However, the study finds inconsistencies between implementation and Sharia legal standards, particularly in credit and liquidity risks, where conventional models are still dominant. The research concludes that a robust Sharia Economic Law framework and ethical managerial reform is essential to ensuring that risk management practices in Islamic financial institutions mitigate risk and uphold Islamic legal and moral obligations
Between Sacred Texts and Local Traditions: The Dialectics of Worship and Culture in Aceh Husnaini, Husnaini; Ismail, Sherif Mohamed A.; Syihab, Mahdi Abdullah; Jafar, Muhammad; Zulhamdi, Zulhamdi; Keumala Ulfah, Almira
Religió Jurnal Studi Agama-agama Vol. 15 No. 2 (2025): September
Publisher : Department of Religious Studies, Faculty of Ushuluddin and Philosophy, Sunan Ampel State Islamic University Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/religio.v15i2.3660

Abstract

The encounter between religion and various cultures often results in a dynamic interaction, as it has to adapt to the existing traditions lived by the people. Examining such studies will reveal the tension and the dialectical dimension, helping us better understand how people perceive religion. This article aims to understand the relationship between Islamic rituals and Acehnese cultural practices, an area known as the “Veranda of Mecca”. By analyzing and interpreting extensive sources from a literature review, including academic literature, local religious texts, and historical archives, this qualitative research reveals that religious practices in Aceh, particularly the Commemoration of the Prophet Muhammad’s birth, congregational dhikr, tahlilan, and tarekat traditions, are the result of a centuries-long dialectic between Islamic teachings and the local traditions. Furthermore, it reveals two main views toward the religion: the textual view, which emphasizes the essence of the teachings and rejects cultural innovation, and the contextual view, which accepts acculturation. These approaches sometimes trigger tension, but also enrich the treasury of Islam and strengthen the social solidarity of the Acehnese people. This study underscores the importance of an inclusive, dialogical understanding as an interpretive resource for building a distinctive, harmonious religious identity in Aceh.
The Role of the State Budget in Realizing Public Welfare through Optimizing State Spending Fatin, Jihan; Zahara, Usfa; Zulhamdi, Zulhamdi
Al-Hiwalah: Journal of Sharia Economic Law Vol. 4 No. 2 (2025): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v4i2.6534

Abstract

The State Budget (APBN) is the primary instrument used by the Indonesian government to manage state finances and achieve national development goals. APBN management reflects the state's commitment to realizing public welfare through targeted resource allocation. This article aims to examine various types of state expenditure within the APBN structure, including personnel expenditure, goods expenditure, capital expenditure, debt interest payments, subsidies, grants, social assistance, other expenditures, and transfers to regions. Using a descriptive-analytical approach, this article discusses the role and function of each type of expenditure in supporting national development and public services. Understanding the structure of state expenditure is expected to contribute to the evaluation of fiscal policy and the strengthening of state financial governance. The conclusion of this study confirms that optimizing state expenditure allocation is key to achieving inclusive and sustainable development.
Distribution of Expiation for Non-Muslims: Analysis of the Ta'lili Method of Reasoning Regarding the Case of Kaffarat Ikbal, Muhammad; Abdullah, Abdullah; Zulhamdi, Zulhamdi
Al-Hiwalah: Journal of Sharia Economic Law Vol. 4 No. 2 (2025): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v4i2.6736

Abstract

Mujtahids do not create, but only discover laws. This is because of the Islamic belief that laws are created by God as the lawmaker (al-Shari'). Humans/mujtahids only understand (fiqh) the divine law. The process of understanding the law is called istinbaht al-hukm through an intellectual activity called ijtihad. The legal results obtained through istinbath ijtihad are called fiqh. The purpose of discovering the law must be understood by mujtahids in order to develop legal thought in Islam in general and address contemporary legal issues whose cases are not explicitly regulated by the Quran and Hadith. Therefore, by applying various methods, it is hoped that laws can be found to solve various problems that arise. This journal will attempt to describe the ta'lili method of discovering law. Based on a study of the concepts of ta'lili reasoning regarding the distribution of kaffarat oaths to non-Muslims, conclusions can be drawn, namely: First, the obligation to pay kaffarat oaths as contained in the Al-Qur'an surah al-Maidah verse 89, is mukhayyar, namely freeing slaves, providing food or clothing, if you are unable to carry out these three things, you are obliged to fast for three days. Second, Abu Hanifah r.a. does not require a believing slave to be the target of an oath of infidelity. Abu Hanifah r.a. does not turn the word muthlaq away from muqayyad, he gives charity to the common word (muthlaq). Third, it is permissible to free ahl al-dzimmah (non-Muslim) slaves as sworn inmates and also provide food or clothing to ahl al-dzimmah (non-Muslims). Because of the statement on the issue of distributing kafarat oaths, there is no specific text that recommends giving them to believers. Fourth, giving kafarat oaths to ahl al-dzimmah (non-Muslims) in terms of maqâshid syariyyah is almost the same as giving zakat to converts, namely to persuade their hearts to Islam.
Co-Authors Abdullah Abdullah Almira Keumala Ulfah Dara, Cut Fatin, Jihan Harjoni Harjoni Hasbi, Husnaini husnaini, husnaini Ibrahim, Yusriadi Ismail, Sherif Mohamed A. Junaidy, Athailah Kafrawi Kafrawi Mahyuni Mahyuni Muammar Khadafi Muhammad Diah Muhammad Ikbal Muhammad Jafar, Muhammad Muhammad Nazir Muhammad Syarif, Muhammad Savitri, Asmah Syamsul Rizal Syihab, Mahdi Abdullah Wilda Nadhiratul Safira Zahara, Usfa Zaiyad Zubaidi Zakaria Zakaria