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All Journal SYARIATI : Jurnal Studi Al-Qur'an dan Hukum Kawanua International Journal of Multicultural Studies Kartika: Jurnal Studi Keislaman AL-SULTHANIYAH J-CEKI
Ma’rufi, Anwar
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Cultural Integration in Islamic Financial Innovation: Implementation of Istishlahi Principles in Musyarakah Mutanaqishah Contracts in Multicultural Indonesia Nugroho, Bimo; Ma’rufi, Anwar; Fathudin, Fathudin; Jankauskienė, Dainora; Lousada, Sérgio António Neves
Kawanua International Journal of Multicultural Studies Vol 5 No 2 (2024)
Publisher : State Islamic Institute of Manado (IAIN) Manado, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kijms.v5i2.1186

Abstract

This research analyzes the implementation of the istishlahi (public benefit) principle in the DSN-MUI fatwa concerning Musyarakah Mutanaqishah (Diminishing Partnership) and its application within Indonesia's multicultural context. Employing a qualitative approach with content analysis and systematic literature review, this study examines primary sources, including DSN-MUI Fatwa No.73/DSN-MUI/XI/2008, and secondary sources from academic literature spanning 2015-2024. The findings demonstrate that the implementation of the istishlahi principle in the DSN-MUI fatwa successfully integrates nine fundamental principles (al-’adl, al-maslahah, al-yusr, al-barakah, al-yaqin, al-muwazah, al-istiqraar, al-taysir, and al-amanah) within an adaptive regulatory framework. Comparative analysis of implementation across various regions in Indonesia reveals significant variations in success rates and challenges encountered, with key factors including structural and operational adaptations according to local contexts. Case studies in Aceh, East Java, Makassar, and Sorong highlight the importance of integration with local value systems and active community involvement in successful implementation. This research provides theoretical contributions in developing a new understanding of the istishlahi principle's function as a bridge between Shariah compliance and the practical needs of a multicultural society, as well as practical implications for developing more inclusive and adaptive Islamic financial products.
Tinjauan Hukum Islam Terhadap Penambangan Pasir Sungai Lukulo Desa Tanggulangin, Kec. Klirong, Kab. Kebumen Firdos, A. Wafid; Ma’rufi, Anwar; Marzuki, Arifuat
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 4: Juni 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i4.8829

Abstract

Penelitian ini bertujuan untuk mengkaji praktik penambangan pasir di Sungai Luculo, Desa Tanggulangin, Kecamatan Klirong, Kabupaten Kebumen, melalui perspektif hukum Islam. Metode yang digunakan adalah penelitian lapangan dengan pendekatan deskriptif-analitik. Data diperoleh secara langsung melalui observasi dan wawancara dengan pihak-pihak terkait di lokasi penambangan. Fokus utama kajian ini adalah menilai aktivitas penambangan pasir dalam kerangka fiqh al-bi'ah (fikih lingkungan) dan konsep kepemilikan dalam hukum Islam. Penelitian ini berusaha mengungkap dampak ekologis dari kegiatan penambangan, serta menelaah sejauh mana praktik tersebut sejalan atau bertentangan dengan prinsip-prinsip Islam mengenai pelestarian lingkungan dan kepemilikan sumber daya alam. Hasil penelitian diharapkan memberikan kontribusi terhadap pemahaman masyarakat dan pihak yang berwenang mengenai pentingnya pengelolaan sumber daya alam yang berkeadilan dan berkelanjutan menurut perspektif syariat Islam.
Implementasi Prinsip Syariah dalam Marketplace Berbasis Fatwa DSN-MUI di Indonesia Devana, Delia; Ma’rufi, Anwar; Nursobah, Achmad
Syariati: Jurnal Studi Al-Qur'an dan Hukum Vol 11 No 1 (2025): SYARIATI : Jurnal Studi Al Qur'an dan Hukum
Publisher : Fakultas Syari'ah dan Hukum (FSH) UNSIQ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32699/syariati.v11i1.8005

Abstract

Penelitian ini membahas tentang penerapan prinsip-prinsip syariah dalam operasional marketplace di Indonesia, merujuk pada Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 144/DSN-MUI/XII/2021. Masalah yang diidentifikasi dalam penelitian ini adalah bagaimana prinsip-prinsip syariah diterapkan dalam marketplace berdasarkan ketentuan fatwa tersebut. Penelitian bertujuan untuk menganalisis implementasi prinsip-prinsip syariah dalam aktivitas jual beli di platform marketplace, khususnya terkait larangan riba, gharar (ketidakpastian), maysir (spekulasi), dan keharusan adanya akad yang sah. Penelitian dilakukan menggunakan pendekatan kualitatif dengan metode studi pustaka (library research). Data dikumpulkan melalui analisis dokumen fatwa, jurnal ilmiah, dan artikel terkait. Teori yang digunakan merujuk pada ketentuan-ketentuan hukum ekonomi syariah yang ditetapkan oleh DSN-MUI sebagai landasan normatif dalam mengkaji fenomena jual beli di marketplace. Hasil penelitian menunjukkan bahwa marketplace syariah harus memenuhi prinsip-prinsip syariah, serta kewajiban menyediakan akad yang sah sesuai hukum Islam. Implementasi fatwa ini bertujuan untuk memastikan bahwa transaksi di marketplace sesuai dengan nilai-nilai keadilan, transparansi, dan kejujuran dalam Islam, serta memberikan perlindungan bagi konsumen
Implementasi Akad Wakalah Bil Ujroh dalam Transaksi Marketplace pada Mahasiswa Santri An-Nawawi Berjan Purworejo Soleha, Siti Nur; Nursobah, Achmad; Ma’rufi, Anwar
AL-SULTHANIYAH Vol. 14 No. 1 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i1.3544

Abstract

The advancement of digital technology has driven significant transformation in the economic sector, including trade through marketplaces, which offer transaction efficiency. This study examines the understanding and implementation of the Wakalah bil ujroh contract among students of An-Nawawi Berjan, Purworejo, who have a background in Islamic education and whose activities are not far behind digital applications. With a qualitative descriptive-analytical approach, data were obtained through interviews, observations, documentation, and literature reviews related to Islamic law. The analysis shows that the Wakalah bil ujroh contract is implemented by fulfilling the pillars and requirements of sharia, such as the legal capacity of the parties involved, clarity of ijab-qabul, halal transaction objects, and agreements regarding ujrah, accompanied by high values of trust and accountability. Although there are technical obstacles such as differences in perception regarding the nominal ujrah, the implementation of this contract reflects a good understanding of sharia principles in digital transactions. This research contributes to the literature on Islamic economic law and offers practical guidance for Muslim communities to integrate sharia values into the digital economy.
Problematika Pengelolaan Tanah Wakaf di Desa Entak Khabib Muhammad Al Barokah; Ma’rufi, Anwar; Abqori, Najih
AL-SULTHANIYAH Vol. 14 No. 2 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i2.4079

Abstract

Waqf is a vital instrument in Islamic socio-religious development. However, its management at the village level faces significant challenges, as seen in Entak Village, Ambal Subdistrict, Kebumen Regency. This study aims to identify the main problems in waqf land management in the village and to formulate strategic solutions for improving local waqf governance. Using a qualitative case study approach, the research involved field observation, interviews with nadzir (waqf managers), and document analysis. The findings reveal three major challenges: weak capacity of nadzir in asset management, lack of formal legal status for waqf lands, and low community awareness about waqf principles and laws. As a result, many waqf assets remain underutilized or are at risk of disputes. To address these issues, the study recommends capacity-building programs for nadzir, accelerated land certification through collaboration with BPN and BWI, and community-based public education. These strategies are expected to promote more professional, productive, and sustainable waqf management at the grassroots level.
Analisis Komparatif Praktik Gadai Lahan dalam Perspektif Mazhab Abu Hanifah dan Syafi‘i Fahrudin, Ahmad; Muhajir; Ma’rufi, Anwar
Kartika: Jurnal Studi Keislaman Vol. 5 No. 3 (2025): Kartika: Jurnal Studi Keislaman (November)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v5i3.388

Abstract

This qualitative-comparative case study aims to analyze and compare the traditional practice of land pawn (rahn) in Padureso Village, Kebumen, from the perspective of Islamic jurisprudence (fiqh) according to the Imam Abu Hanifah and Imam Syafi'i Schools of Thought (Madzhabs). This study is relevant as it highlights the unique customary aspects concerning the utilization of the pledged object (marhun). Primary field data indicate a deviation in practice, where the pledged land is entirely managed and utilized by the creditor (murtahin), who also takes all the produce without any revenue sharing with the landowner (rahin), despite receiving permission for use. The analysis reveals fundamental differences in the juristic views. The Imam Abu Hanifah Madzhab generally prohibits the murtahin from benefiting from the marhun as it is deemed potential usury (riba), even with the rahin's permission. Conversely, the Imam Syafi'i Madzhab tends to prohibit utilization by the murtahin if it is stipulated in the contract (akad), but may permit it if there is genuine consent from the rahin outside the contract. Therefore, the practice in Padureso Village, which grants full profit to the murtahin, is categorized as a void pledge (rahn fasid) because it contains an element of usury or violates the essential nature of the collateral contract.
Co-Authors Abqori, Najih Ahmad Fahrudin Ambarningsih, Ririh Devana, Delia Fathudin, Fathudin Firdos, A. Wafid Jankauskienė, Dainora Khabib Muhammad Al Barokah Lousada, Sérgio António Neves Marzuki, Arifuat MUHAJIR Nugroho, Bimo Nursobah, Achmad Soleha, Siti Nur