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All Journal El-Mashlahah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam At-Tafkir Jurnal Hadratul Madaniyah Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Al-Kharaj: Journal of Islamic Economic and Business Jurnal Investasi Islam el-Jizya: Jurnal Ekonomi Islam Balance : Jurnal Akuntansi dan Manajemen Academica: Journal of Multidisciplinary Studies
Tri Hidayati
Universitas Islam Negeri Palangka Raya
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Questioning the Distribution of Fidyah Funds on Digital Platforms in Indonesia Balya Nasim Ahmad; Tri Hidayati
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 1 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i1.14737

Abstract

The purpose of this study is to find out the authority of the institution that oversees various digital platforms for fidyah payments, the accuracy of the target recipients of fidyah, the form and value paid are in accordance with Sharia principles, and the timeliness of their distribution. This research method is a library research and also normative research that is analyzed qualitatively, descriptively, and precautionatively with the approach of Islamic Law. The results in this study are that there is a platform that is not purely an activist to accommodate fidyah distribution services the next finding regarding the target recipients is distributed which is not a theme such as the nash in verse 184 of Surah al-Baqarah, namely the poor. The conversion of the nominal form of fidyah delivery on various different platforms and the problem of the time of distributing fidyah which is still not very detailed and clearly causes the existence of gharar. With the rise of fidyah distribution platforms providing convenience for Muslims fidyah payments through platforms have a maslahah impact for Muslims, there is a need for order attention, supervision and rules on the distribution of fidyah in institutions and fidyah platforms by relevant stakeholders.
Adoption of Umar Bin Abdul Aziz's Principles of Social Justice and Welfare in the Start-up Business Ecosystem Mawar Ardiansyah; Tri Hidayati
At-Tafkir Vol 17 No 1 (2024): At-Tafkir
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/at.v17i1.9524

Abstract

This article examines the adaptability and application of Umar bin Abdul Aziz's social justice and welfare principles in modern startup business strategies. Umar bin Abdul Aziz is known as one of the fair leaders and focuses on the welfare of society. Through this approach, this article explores how startups can integrate these principles into their business models. This study contributes by providing an ethical framework for startups in Indonesia to not only focus on financial gain but also play an active role in promoting social justice and public welfare. This research is descriptive qualitative research. The sources used are secondary sources. The study uses documentation to find and collect elements or variables related to the study. The analysis method in this study uses descriptive qualitative analysis. The results show that the adoption of the principles of social justice and welfare of Umar bin Abdul Aziz in startup businesses shows that these values are very relevant. Startups can implement a profit-sharing system, establish partnerships with MSMEs, and implement CSR programs to improve community welfare. Financial transparency is also important to prevent corruption, while attention to the welfare of society by offering affordable products can strengthen their contribution to social justice. In this way, business startups gain an ethical framework that not only focuses on financial gain but also plays an active role in the welfare of society, so that public trust in startups can increase.
Analisis Akad Ijarah pada Jasa Rias Pengantin dalam Perspektif Fiqih Muamalah Istiqomah, Istiqomah; Hidayati, Tri
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v1i1.24880

Abstract

This study aims to analyze the application of ijarah contracts in the practice of bridal makeup services at YW, Palangka Raya city, in the perspective of fiqh muamalah. Bridal makeup services are a form of rental contract for services (ijarah) that is commonly practiced in the community, but it is still rarely studied in depth in terms of Islamic law. This research uses a qualitative method with a descriptive-analytical approach, and data is collected through observation, interviews, and literature study. The results show that the practice of ijarah contract in YW has fulfilled all the pillars and conditions of ijarah according to fiqh provisions, such as the existence of ijab-qabul, clear benefits, agreed compensation (ujrah), and voluntary agreement of both parties. In the case of unilateral cancellation by the client, the forfeiture of the down payment is in accordance with sharia principles as compensation for the loss of the service provider. This research confirms that ijarah contracts in the context of bridal makeup services can be carried out in a sharia-compliant manner and become a fair transaction model in a sharia-based service economy.
Comparative Analysis of Sharia and Conventional Peer-to-Peer Lending for MSMEs Mutmainah Mutmainah; Tri Hidayati
Academica: Journal of Multidisciplinary Studies Vol. 9 No. 1 (2025): January-June 2025
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v9i1.13577

Abstract

Objective: This study aims to comparatively analyze the differences in risks, costs, and social impacts between Sharia and conventional Peer-to-Peer (P2P) lending on Micro, Small, and Medium Enterprises (MSMEs). Method: The research adopts a library research approach by utilizing secondary data obtained from the Financial Services Authority (OJK), academic literature, and various scholarly journals related to fintech and Islamic finance. Result: The findings indicate that conventional P2P lending operates under a fixed interest-based system, in which credit risk is fully borne by the borrower, whereas Sharia P2P lending applies profit-and-loss sharing and risk-sharing principles through contracts such as mudharabah, musyarakah, or wakalah bil ujrah. The cost structure in the Sharia system is more flexible as it does not involve elements of riba, while the conventional system imposes fixed interest rates that may place a financial burden on MSMEs. From a social perspective, P2P lending plays a significant role in expanding access to financing for MSMEs that are not yet served by formal financial institutions. Conclusion: The Sharia model is considered more equitable as it emphasizes partnership, transparency, and economic justice in accordance with Islamic values. Therefore, Sharia P2P lending functions not only as an alternative financing mechanism but also as an instrument for sustainable and socially just economic empowerment.
Transformasi Syirkah dalam Securities Crowdfunding Syariah: Analisis Fiqh Muamalah atas Keadilan Nisbah Keuntungan Siswandi; Tri Hidayati; Muhammad Taufik Rahman
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.14918

Abstract

Penelitian ini bertujuan menganalisis transformasi akad syirkah dalam securities crowdfunding syariah serta mengevaluasi keadilan nisbah keuntungan pada platform Shafiq berdasarkan perspektif fiqh muamalah. Penelitian menggunakan pendekatan kualitatif dengan jenis penelitian kepustakaan (library research) dan pendekatan yuridis normatif. Data diperoleh dari prospektus Sukuk Musyarakah PT Nusantara Agung Solusi dan PT Kresna Karya Teknologi pada platform Shafiq, Fatwa DSN-MUI, regulasi Otoritas Jasa Keuangan, serta berbagai literatur fiqh muamalah dan Islamic fintech yang relevan. Analisis dilakukan secara deskriptif-analitis melalui tahapan deskripsi, interpretasi, dan evaluasi dengan menggunakan kerangka al-ghunm bil-ghurm, keadilan syirkah, Fatwa DSN-MUI Nomor 114/DSN-MUI/IX/2017, dan maqashid syariah. Hasil penelitian menunjukkan bahwa securities crowdfunding syariah merepresentasikan transformasi syirkah ke dalam ekosistem keuangan digital melalui kombinasi akad wakalah dan musyarakah. Struktur nisbah keuntungan yang ditemukan, yaitu investor menyumbang sebagian besar modal tetapi memperoleh porsi keuntungan yang lebih kecil dibandingkan penerbit, secara formal sesuai dengan ketentuan fiqh muamalah dan pandangan mayoritas mazhab yang membolehkan pembagian keuntungan tidak proporsional terhadap modal berdasarkan kesepakatan dan kontribusi usaha. Namun, temuan penelitian juga menunjukkan bahwa keadilan dalam syirkah digital tidak dapat dinilai hanya dari legalitas akad, melainkan perlu mempertimbangkan hubungan antara modal, risiko, akses informasi, dan posisi tawar para pihak. Penelitian ini menyimpulkan bahwa transformasi syirkah dalam Islamic fintech menuntut evaluasi keadilan substantif selain kepatuhan syariah formal. Oleh karena itu, penguatan transparansi informasi, perlindungan investor, dan tata kelola securities crowdfunding syariah perlu menjadi perhatian regulator dan penyelenggara platform. Penelitian selanjutnya disarankan melakukan studi komparatif lintas platform atau lintas negara untuk memperluas pemahaman mengenai implementasi keadilan dalam keuangan digital syariah.
Inheritance Rights of Children Born Outside Marriage in Mixed Marriages: Normative Conflicts and Harmonization under Indonesian Law Titik Triwulan Tutik; Nur Syam; Tri Hidayati; Agus Aditoni; Mahtumridho Ghufron bin Simun
El-Mashlahah Vol 16 No 1 (2026)
Publisher : Sharia Faculty of State Islamic Institute (IAIN) Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/el-mashlahah.v16i1.10485

Abstract

Indonesia’s pluralistic legal system generates persistent uncertainty on the inheritance rights of children born out of wedlock (marriage), particularly in mixed marriages where Islamic law, civil law, and nationality law intersect. Normative inconsistencies among these legal regimes create disputes concerning filiation, child recognition, and inheritance entitlement. The particular study examined the inheritance rights of extramarital children (also known as children born out of wedlock) in mixed marriages by analyzing the interaction between Indonesian legal norms, the implications of Constitutional Court Decision No. 46/PUU-VIII/2010, and comparative developments in selected Muslim-majority jurisdictions. Employing a normative juridical approach, the study combined statutory, conceptual, comparative, and maqāṣid al-syarī‘ah analyses of legal systems in Malaysia, Morocco, Tunisia, Turkey, Pakistan, Bangladesh, Jordan, and Egypt. The findings found out a fundamental conflict between the Civil Code and the Compilation of Islamic Law (KHI). While the Civil Code recognizes inheritance rights arising from paternal acknowledgment, KHI limits lineage and inheritance to the maternal line. Although Constitutional Court Decision No. 46/PUU-VIII/2010 expanded civil relations between extramarital children and their biological fathers through scientific evidence, the absence of implementing regulations has produced inconsistent judicial interpretations. Comparative analysis demonstrated a growing tendency among Muslim-majority countries to strengthen child protection through maqāṣid-based legal reforms. In Indonesia, the expansion of mandatory bequests (wasiat wajibah) offers a practical mechanism for achieving inheritance justice without altering Islamic lineage doctrine. Legal harmonization, therefore, requires comprehensive regulation that prioritizes the best interests and welfare of the child while maintaining coherence between Islamic and constitutional principles.
Dinamika Perubahan Sosial Dalam Pasar Uang Syariah: Implikasi Filosofis Dan Sosio-Ekonomi Pada Penerapan Forward Contract Nadia Merdiana; Tri Hidayati
el-Jizya: Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.14292

Abstract

Penelitian ini bertujuan untuk mengkaji secara mendalam implikasi filosofis dan sosio-ekonomi dari penerapan instrumen forward contract berbasis syariah berdasarkan Fatwa DSN-MUI No. 96/2015. Penelitian ini menggunakan pendekatan kualitatif dengan studi kepustakaan sebagai metode utama, di mana data dikaji secara deskriptif dan dianalisis menggunakan teori maqashid al-shariah dan prinsip dasar fikih muamalah. Hasil penelitian menunjukkan bahwa fatwa tersebut tidak hanya memberikan legitimasi hukum terhadap praktik forward contract, tetapi juga menekankan pentingnya integritas nilai syariah seperti keadilan, transparansi, dan niat perlindungan. Dari sisi sosio-ekonomi, penerapan instrumen ini berkontribusi terhadap stabilitas sistem keuangan syariah, mendorong inovasi produk, memperluas inklusi keuangan, serta meningkatkan kepercayaan publik terhadap lembaga keuangan syariah. Analisis terhadap temuan ini menunjukkan bahwa forward contract dalam passar uang syariah menjadi instrumen keuangan modern yang mampu mengakomodasi kebutuhan pasar dengan tetap menjaga nilai-nilai Islam. Temuan ini memperkuat argumen bahwa sistem keuangan Islam tidak hanya relevan secara normatif, tetapi juga mampu beradaptasi dengan dinamika ekonomi kontemporer secara efektif dan etis.
The Issue of Honorarium for Temporary Teachers from the Perspective of the Ijarah Contract and Islamic Economic Justice: A Literature Review Siti Alfia; Tri Hidayati
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countrie
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.10691

Abstract

This study aims to analyze the phenomenon of low wages for contract teachers from the perspective of the ijarah contract and Islamic economic distributive justice, as well as to identify forms of structural injustice within the education system. The study employs a qualitative approach using a literature review. The data sources consist of 40 scientific articles obtained from the Google Scholar, Sinta, and DOAJ databases, focusing on the welfare of honorary teachers, remuneration, the ijarah contract, and distributive justice. Data collection was conducted through systematic literature review, while data analysis employed content analysis with a descriptive-analytical approach, following the stages of data reduction, data presentation, and drawing conclusions. The results indicate that the low ujrah for contract teachers not only impacts their economic well-being but also has the potential to affect the overall quality of education. In many cases, the practice of paying honoraria to contract teachers has not fully aligned with the principles of the ijarah contract, particularly regarding aspects of justice, wage adequacy, and the principle of taradhi. Furthermore, the distribution of welfare within the education system reveals disparities between civil servant (ASN) and non-ASN teachers, reflecting the suboptimal implementation of distributive justice. The implications of this study underscore the importance of reformulating wage policies and labor protections for honorary teachers that are fairer, more proportional, and in line with Islamic economic principles to support teachers’ welfare and improve the quality of education.
Problematika Pengelolaan Zakat Dan Wakaf Di Narathiwat Thailand Selatan Nur Ribkhi Ibnu Zulfa; Muhammad Noor Sayuti; Zulkifli Zulkifli; Tri Hidayati
Balance : Jurnal Akuntansi dan Manajemen Vol. 5 No. 1 (2026): April 2026
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v5i1.1560

Abstract

Penelitian ini dilatarbelakangi oleh ketidakselarasan (institutional decoupling) antara struktur formal negara yang sentralistik dengan praktik operasional pengelolaan dana umat yang terfragmentasi di tingkat akar rumput Provinsi Narathiwat, Thailand Selatan. Masalah sosioreligius ini berdampak pada tidak optimalnya potensi filantropi Islam di wilayah Muslim minoritas tersebut. Penelitian ini bertujuan untuk mengeksplorasi secara komprehensif problematika sistemik pengelolaan zakat dan wakaf melalui pendekatan kualitatif berbasis studi kasus. Kebaruan penelitian ini terletak pada penerapan analisis integratif multidimensional yang mengaitkan aspek kelembagaan, manajerial (POAC), dan normatif (fikih) secara simultan, guna mengisi celah akademik dari studi-studi terdahulu yang cenderung bersifat parsial. Temuan inti menunjukkan bahwa tata kelola di Narathiwat terhambat oleh keterbatasan otoritas fiskal kelembagaan, lemahnya fungsi perencanaan strategis dan pengawasan, serta kuatnya kekakuan normatif (normative rigidity) lokal yang menutup ruang inovasi kontemporer seperti wakaf uang. Implikasi akademis dan praktis dari penelitian ini menegaskan urgensi dilakukannya reformasi tata kelola oleh Majlis Agama Islam Narathiwat (MAIN) bersama komite masjid melalui digitalisasi laporan keuangan demi memulihkan kepercayaan publik (trust deficit) serta reorientasi program ke arah pemberdayaan ekonomi produktif. Kajian ini memiliki signifikansi besar sebagai panduan strategis dalam merumuskan model tata kelola filantropi Islam berbasis komunitas (community-based governance) yang adaptif di kawasan Asia Tenggara.   This study is driven by the institutional decoupling between centralistic formal state structures and the fragmented operational practices of managing community funds at the grassroots level in Narathiwat Province, Southern Thailand. This socioreligious problem results in the suboptimal realization of Islamic philanthropy's potential in this Muslim minority region. The study aims to comprehensively explore the systemic problems of zakat and waqf management using a qualitative, case-study approach. The novelty of this research lies in its simultaneous application of a multidimensional integrative analysis linking institutional, managerial (POAC), and normative (fiqh) aspects, thereby filling the academic gap left by previous studies that tended to be partial. The core findings reveal that governance in Narathiwat is hindered by limited institutional fiscal authority, weak strategic planning and oversight functions, and strong local normative rigidity that constrains contemporary innovations such as cash waqf. The academic and practical implications of this study underscore the urgent need for governance reform by the Islamic Religious Council of Narathiwat (MAIN) and mosque committees through the digitalization of financial reporting to overcome the trust deficit and reorient programs toward productive economic empowerment. Ultimately, this study holds significant value as a strategic guide for formulating an adaptive, community-based governance model for Islamic philanthropy in Southeast Asia.
Analisis Literasi Keuangan Syariah dan Dampak Inflasi Terhadap Daya Beli Mahasiswa Baru Ekonomi Syariah UIN Palangka Raya Siswandi; Tri Hidayati; Muhammad Taufik Rahman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.29515

Abstract

Penelitian ini bertujuan menganalisis literasi keuangan syariah dan dampak inflasi terhadap daya beli mahasiswa baru Program Studi Ekonomi Syariah UIN Palangka Raya. Menggunakan pendekatan deskriptif kualitatif, penelitian ini menggali pemahaman, pengalaman, dan adaptasi strategi mahasiswa dalam mengelola keuangan di tengah kenaikan harga kebutuhan. Data diperoleh melalui wawancara mendalam, observasi, dan dokumentasi, kemudian dianalisis dengan model Miles dan Huberman. Hasil penelitian menunjukkan bahwa mahasiswa memiliki pemahaman konsep yang cukup baik mengenai literasi keuangan syariah, khususnya prinsip moderasi konsumsi, pengelolaan harta, dan penghindaran israf dan tabdzir. Namun penerapannya masih bervariasi dan belum sepenuhnya konsisten dalam praktik harian. Inflasi terbukti menekan kemampuan pelajar memenuhi kebutuhan pokok, sehingga memaksa mereka menyesuaikan pola konsumsi melalui pengurangan belanja non-esensial, substitusi barang, dan penentuan prioritas kebutuhan. Daya beli mahasiswa secara umum mengalami penurunan, namun mahasiswa dengan literasi keuangan syariah yang lebih baik menunjukkan ketahanan finansial yang lebih stabil. Temuan ini menegaskan bahwa literasi keuangan syariah berperan penting dalam membantu mahasiswa menghadapi tekanan inflasi
Co-Authors Aditoni, Agus Balya Nasim Ahmad Danu Pamungkas Istiqomah Istiqomah, Istiqomah Mahtumridho Ghufron bin Simun Mawar Ardiansyah Muhammad Noor Sayuti Muhammad Taufik Rahman Mutmainah Mutmainah Nadia Merdiana Nur Ribkhi Ibnu Zulfa Nur Syam Siswandi Siti Alfia Titik TriwulanTutik Zulkifli Zulkifli