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All Journal JURNAL ILMIAH GLOBAL EDUCATION Bisma : Business and Management Journal
Widiastuti, Dwi Suci
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Menerapkan Prinsip Nilai dan Moral Islam dalam Perpindahan Hak Kepemilkan dada E-Commerce dengan Sistem Cash On Delivery Widiastuti, Dwi Suci; Jubaedah, Dedah
BISMA : Business and Management Journal Vol. 2 No. 4 (2024): Bisma : Business and Management Journal
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/bisma.v2i4.1369

Abstract

The development of e-commerce has changed how transactions are carried out, including the transfer of ownership rights of goods. One popular payment method in e-commerce transactions is Cash on Delivery (COD), which allows consumers to pay for goods upon receipt. From the Islamic values and morals perspective, ensuring that this transaction system runs by sharia principles is essential. This study aims to analyse the application of Islamic tenets in transferring ownership rights through the COD system in e-commerce. The main principles of concern are justice, honesty, and transparency, which are reflected in the prohibition of the practice of usury, gharar (uncertainty), and maysir (speculation). This study uses a qualitative approach with literature analysis related to Islamic law and the concept of transfer of ownership rights in muamalah fiqh. The results of the study show that the COD system in e-commerce can be accepted within the sharia framework if it meets several requirements, such as a clear agreement between sellers and buyers, as well as clarity in the description of goods and prices. Additionally, it is important to avoid fraud and ensure the rights of both parties are protected, in accordance with the principles of fair transactions in Islam.
Analysis of State Fund Placement of IDR 200 Trillion in Partner Banks: A Review of Protection of Assets (Ḥifẓ Al-Māl) From the Perspective of Maqāṣid Al-Shariah Adissifa, Fadilla Ramadania; Qulyubi, Munawar Hakimi Ahmad; Widiastuti, Dwi Suci; Surahman, gyassurahAhmad Giyas; Meygantari, Tiara Indah
Jurnal Ilmiah Global Education Vol. 7 No. 1 (2026): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v7i1.5281

Abstract

The placement of IDR 200 trillion in state funds in partner banks constitutes a strategic government cash management instrument to maintain fiscal liquidity and strengthen banking intermediation. As it involves public wealth, this policy must be evaluated from the perspective of asset protection (ḥifẓ al-māl) within the framework of maqāṣid al-sharī‘ah. This study aims to assess the compatibility of the policy with the principle of ḥifẓ al-māl through an analysis of policy design, implementation, and associated governance risks. This research employs a qualitative descriptive approach based on document analysis of fiscal regulations, supervisory authority reports, and relevant academic literature. The findings indicate that the policy is effective in maintaining nominal fund security and short-term banking stability; however, significant weaknesses remain in terms of transparency, accountability, and the optimization of social benefits. Therefore, strengthening the orientation toward public welfare is an urgent necessity in managing state funds.
Co-Authors Adissifa, Fadilla Ramadania Jubaedah, Dedah Meygantari, Tiara Indah Qulyubi, Munawar Hakimi Ahmad Surahman, gyassurahAhmad Giyas