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Maqashid Syariah Sebagai Kerangka Kerja untuk Inovasi Produk Keuangan Non Bank dalam Era Digital Nurhidayatullah, Achmad Syawal; SW, Oman Fathurohman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24835

Abstract This study aims to clarify the role of Maqasid Shariah as a framework for innovation in Islamic non-bank financial products. Maqasid Shariah, which includes the objectives of preserving religion, life, intellect, progeny, and wealth, offers a comprehensive guide in the development of Shariah-based financial products. In the context of the non-bank financial industry in the digital era, the application of Maqasid Shariah principles becomes crucial to ensure that product innovations not only comply with Shariah but also provide broad social and economic benefits. The research method used is a literature study, where the authors conduct an in-depth analysis of reliable sources discussing the concept of Maqasid Shariah and the development of Shariah-based non-bank financial products in the digital era. This study is carried out by reviewing scientific journal articles, books, and other relevant sources to generate a comprehensive understanding. This research will analyze how the implementation of Maqasid Shariah can serve as a guide in designing Shariah-based non-bank financial products that are sustainable, focus on community welfare, and promote financial inclusion. Keywords: Maqashid Syariah, Non-Bank Islamic Financial Products, Digital. Abstrak Penelitian ini bertujuan untuk memperjelas peran Maqasid Syariah sebagai kerangka kerja dalam inovasi produk keuangan non-bank syariah. Maqasid Syariah, yang mencakup tujuan untuk menjaga agama, jiwa, akal, keturunan, dan harta, menawarkan panduan komprehensif dalam pengembangan produk keuangan berbasis syariah. Dalam konteks industri keuangan non-bank di era digital, penerapan prinsip-prinsip Maqasid Syariah menjadi krusial untuk memastikan bahwa inovasi produk tidak hanya memenuhi kepatuhan syariah, tetapi juga memberikan manfaat sosial dan ekonomi yang luas. Metode penelitian yang digunakan adalah studi literatur, di mana penulis melakukan analisis mendalam terhadap sumber-sumber terpercaya yang membahas konsep Maqasid Syariah dan perkembangan produk keuangan non-bank syariah di era digital. Studi ini dilakukan dengan mengkaji artikel jurnal ilmiah, buku, dan sumber-sumber lainnya yang relevan untuk menghasilkan pemahaman yang komprehensif. Penelitian ini akan menganalisis bagaimana implementasi Maqasid Syariah dapat menjadi panduan dalam merancang produk keuangan non-bank syariah yang berkelanjutan, berfokus pada kesejahteraan masyarakat, dan mendorong inklusi keuangan. Kata Kunci: Maqashid Syariah, Produk Keuangan Non-Bank, Digital

Mengeksplorasi Kepentingan dan Keberadaan Maqasid Al-Syariah dalam Produk dan Layanan Perbankan Syariah Kontemporer Rapi, Muh. Zulfahmi; SW, Oman Fathurohman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24840

Abstrak Maqasid Al-Syariah sangat penting dalam mengembangkan kapasitas umat untuk melakukan reformasi intelektual dan pembaharuan peradaban. Penelitian ini bertujuan untuk mengeksplorasi pentingnya dan kehadiran Maqasid Al-Shariah dalam produk dan layanan perbankan syariah kontemporer. Dengan menggunakan pendekatan kualitatif berbasis kajian literatur, penelitian ini menilai sejauh mana prinsip-prinsip Maqasid Al-Syariah diterapkan dalam desain dan implementasi produk perbankan syariah. Fokus utama adalah mengidentifikasi keselarasan antara tujuan syariah, seperti pelestarian iman, kehidupan, kecerdasan, keturunan, dan kekayaan, dengan praktik perbankan syariah dalam memenuhi kebutuhan sosial-ekonomi. Temuan menunjukkan bahwa meskipun terdapat kemajuan dalam kepatuhan syariah formal, terdapat ruang untuk perbaikan dalam memastikan bahwa produk perbankan juga mendukung tujuan etika dan sosial syariah. Penelitian ini diharapkan dapat memberikan kontribusi dalam pengembangan produk perbankan syariah yang tidak hanya patuh secara hukum, tetapi juga berorientasi pada kesejahteraan holistik masyarakat. Kata kunci: Maqasid al-Shariah, Produk Keuangan Syariah, Kepatuhan Syariah Abstract Maqasid Al-Syariah is essential in developing the capacity of the ummah to undertake intellectual reform and civilisational renewal. This study aims to explore the importance and presence of Maqasid Al-Shariah in contemporary Islamic banking products and services. Using a qualitative approach based on literature review, the research assesses the extent to which Maqasid Al-Shariah principles are applied in the design and implementation of Islamic banking products. The primary focus is on identifying the alignment between Shariah objectives, such as the preservation of faith, life, intellect, lineage, and wealth, with Islamic banking practices in addressing socio-economic needs. The findings indicate that while there has been progress in formal Shariah compliance, there remains room for improvement to ensure that banking products also uphold Shariah's ethical and social objectives. This study is expected to contribute to the development of Islamic banking products that not only comply with legal standards but also prioritize the holistic well-being of society. Keywords: Maqasid al-Shariah, Islamic Financial Products, Shariah Compliance

FIQH MUAMALAH PERSPECTIVE ON INDODAX CRYPTOCURRENCY PAYMENTS: IMPACT ANALYSIS Mudrikah, Azizah; SW, Oman Fathurohman
istinbath Vol. 23 No. 2 (2024): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i2.886

This research aims to explain a more in-depth analysis of the effects of using Indodax cryptocurrency payments from the perspective of fiqh muamalah and how it interacts with the principles of fiqh muamalah. This research is qualitative and uses a library research method. The author collects data, analyses it, and concludes the sources of information obtained. The results show that the impact of using Indodax cryptocurrency payments triggers concerns regarding the elements of gharar (uncertainty) and maisir (gambling) due to the highly fluctuating value and speculative nature that are sometimes involved in trading this digital currency. Because legal authorities do Not regulate cryptocurrency and have No Intrinsic Value, Cryptocurrencies can be affected by market manipulation, such as pump-and-dump schemes, where the price of a cryptocurrency is artificially inflated and then sold in large quantities, causing the price to crash. Such practices are a form of fraud and tadlis because they mislead other investors.

Maqashid Syariah Sebagai Kerangka Kerja untuk Inovasi Produk Keuangan Non Bank dalam Era Digital Nurhidayatullah, Achmad Syawal; SW, Oman Fathurohman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24835

Abstract This study aims to clarify the role of Maqasid Shariah as a framework for innovation in Islamic non-bank financial products. Maqasid Shariah, which includes the objectives of preserving religion, life, intellect, progeny, and wealth, offers a comprehensive guide in the development of Shariah-based financial products. In the context of the non-bank financial industry in the digital era, the application of Maqasid Shariah principles becomes crucial to ensure that product innovations not only comply with Shariah but also provide broad social and economic benefits. The research method used is a literature study, where the authors conduct an in-depth analysis of reliable sources discussing the concept of Maqasid Shariah and the development of Shariah-based non-bank financial products in the digital era. This study is carried out by reviewing scientific journal articles, books, and other relevant sources to generate a comprehensive understanding. This research will analyze how the implementation of Maqasid Shariah can serve as a guide in designing Shariah-based non-bank financial products that are sustainable, focus on community welfare, and promote financial inclusion. Keywords: Maqashid Syariah, Non-Bank Islamic Financial Products, Digital. Abstrak Penelitian ini bertujuan untuk memperjelas peran Maqasid Syariah sebagai kerangka kerja dalam inovasi produk keuangan non-bank syariah. Maqasid Syariah, yang mencakup tujuan untuk menjaga agama, jiwa, akal, keturunan, dan harta, menawarkan panduan komprehensif dalam pengembangan produk keuangan berbasis syariah. Dalam konteks industri keuangan non-bank di era digital, penerapan prinsip-prinsip Maqasid Syariah menjadi krusial untuk memastikan bahwa inovasi produk tidak hanya memenuhi kepatuhan syariah, tetapi juga memberikan manfaat sosial dan ekonomi yang luas. Metode penelitian yang digunakan adalah studi literatur, di mana penulis melakukan analisis mendalam terhadap sumber-sumber terpercaya yang membahas konsep Maqasid Syariah dan perkembangan produk keuangan non-bank syariah di era digital. Studi ini dilakukan dengan mengkaji artikel jurnal ilmiah, buku, dan sumber-sumber lainnya yang relevan untuk menghasilkan pemahaman yang komprehensif. Penelitian ini akan menganalisis bagaimana implementasi Maqasid Syariah dapat menjadi panduan dalam merancang produk keuangan non-bank syariah yang berkelanjutan, berfokus pada kesejahteraan masyarakat, dan mendorong inklusi keuangan. Kata Kunci: Maqashid Syariah, Produk Keuangan Non-Bank, Digital

Mengeksplorasi Kepentingan dan Keberadaan Maqasid Al-Syariah dalam Produk dan Layanan Perbankan Syariah Kontemporer Rapi, Muh. Zulfahmi; SW, Oman Fathurohman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24840

Abstrak Maqasid Al-Syariah sangat penting dalam mengembangkan kapasitas umat untuk melakukan reformasi intelektual dan pembaharuan peradaban. Penelitian ini bertujuan untuk mengeksplorasi pentingnya dan kehadiran Maqasid Al-Shariah dalam produk dan layanan perbankan syariah kontemporer. Dengan menggunakan pendekatan kualitatif berbasis kajian literatur, penelitian ini menilai sejauh mana prinsip-prinsip Maqasid Al-Syariah diterapkan dalam desain dan implementasi produk perbankan syariah. Fokus utama adalah mengidentifikasi keselarasan antara tujuan syariah, seperti pelestarian iman, kehidupan, kecerdasan, keturunan, dan kekayaan, dengan praktik perbankan syariah dalam memenuhi kebutuhan sosial-ekonomi. Temuan menunjukkan bahwa meskipun terdapat kemajuan dalam kepatuhan syariah formal, terdapat ruang untuk perbaikan dalam memastikan bahwa produk perbankan juga mendukung tujuan etika dan sosial syariah. Penelitian ini diharapkan dapat memberikan kontribusi dalam pengembangan produk perbankan syariah yang tidak hanya patuh secara hukum, tetapi juga berorientasi pada kesejahteraan holistik masyarakat. Kata kunci: Maqasid al-Shariah, Produk Keuangan Syariah, Kepatuhan Syariah Abstract Maqasid Al-Syariah is essential in developing the capacity of the ummah to undertake intellectual reform and civilisational renewal. This study aims to explore the importance and presence of Maqasid Al-Shariah in contemporary Islamic banking products and services. Using a qualitative approach based on literature review, the research assesses the extent to which Maqasid Al-Shariah principles are applied in the design and implementation of Islamic banking products. The primary focus is on identifying the alignment between Shariah objectives, such as the preservation of faith, life, intellect, lineage, and wealth, with Islamic banking practices in addressing socio-economic needs. The findings indicate that while there has been progress in formal Shariah compliance, there remains room for improvement to ensure that banking products also uphold Shariah's ethical and social objectives. This study is expected to contribute to the development of Islamic banking products that not only comply with legal standards but also prioritize the holistic well-being of society. Keywords: Maqasid al-Shariah, Islamic Financial Products, Shariah Compliance

Halal Product Development Gunawan Anugra Sumule, Joshua; Sihaloho, Serli; Pangaribuan, Ika S; SW, Oman Fathurohman; Salamah, Nina
Riwayat: Educational Journal of History and Humanities Vol 8, No 1 (2025): Januari, Special Issue on "Educational design research for human beings learning
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i1.44274

The Indonesian Ulema Council (MUI) plays a pivotal role in supporting producers to ensure their products comply with sharia standards, addressing challenges that extend beyond market competitiveness to align with Islamic law. This study adopts a qualitative approach to analyze halal product development, focusing on critical elements such as logistics, certification, and community-based verification. The research highlights the roles of MUI and local communities in upholding halal standards throughout the production and distribution processes. Halal is defined as the appropriateness, legality, and permissibility of a product according to Islamic law, and key concerns include preventing contamination during distribution, ensuring compliance with religious provisions, and raising awareness through community participation. The study also underscores the significance of integrating logistical systems, effective certification processes, and active community engagement in promoting halal products. By adopting a holistic strategy, Indonesia can strengthen its halal industry, ensuring products not only meet sharia standards but also increase competitiveness in the global market. This approach highlights the importance of collaboration between various stakeholders, including producers, MUI, and local communities, in ensuring the sustainable growth of Indonesia's halal sector while fostering greater understanding and acceptance of halal practices worldwide.

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