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All Journal Maliyah : Jurnal Hukum Bisnis Islam Madani: Multidisciplinary Scientific Journal
Putra, Aldi Febriansa
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Implementasi Kebijakan Ekonomi Syariah dalam Sistem Perbankan di Indonesia Putra, Aldi Febriansa; Zulfa, Aini Yatuz; Nurwahyudi, Raulindo Putra; Koto, M. Alif Hakam; Hidayatullah, Gin Gin Farid; Salam, Muhammad Ridwan; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 5 (2025): Volume 3, Nomor 5, June 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15632373

Abstract

The growth of Islamic banking in Indonesia reflects the increasing public interest in an Islamic economic system that is fair, transparent, and free from interest (riba). Along with regulatory support from the government and financial authorities, the implementation of sharia economic policies has become an important instrument in strengthening the position of Islamic banking amidst the dominance of the conventional banking system. This study aims to examine the form of policy implementation, supporting and inhibiting factors, as well as the effectiveness of sharia economic policies in driving the growth of this sector. The research method uses a descriptive qualitative approach based on secondary data, with analysis conducted on regulations through literature study techniques. The results show that although the policies have had a positive impact on the growth of Islamic banks, significant challenges remain in the areas of literacy, human resources, and service access distribution. Therefore, synergy between the government, the OJK (Financial Services Authority), and educational institutions is key to strengthening the foundation of inclusive and sustainable Islamic banking
HARMONISASI PRINSIP HUKUM EKONOMI SYARIAH DAN KONTRAK DIGITAL UMKM KULINER DI ERA DIGITAL Fikritullah, Al; Putra, Aldi Febriansa; Mufadhol, Allam Tri; Jaenudin, Jaenudin; Hidayat, Agi Attaubah
Maliyah : Jurnal Hukum Bisnis Islam Vol. 16 No. 1 (2026): Juni 2026 (In Press)
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law, UIN Sunan Ampel Surabaya

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Abstract

Penelitian ini bertujuan untuk menganalisis harmonisasi antara prinsip hukum ekonomi syariah dan penerapan kontrak digital pada UMKM kuliner di era digital. Perkembangan ekonomi digital menimbulkan tantangan terhadap keabsahan akad elektronik yang belum sepenuhnya sesuai dengan prinsip fiqh muamalah, seperti kejelasan objek akad, larangan gharar, dan keseimbangan para pihak. Penelitian menggunakan pendekatan yuridis normatif dan empiris dengan studi kasus pada pelaku UMKM kuliner berbasis digital. Hasil penelitian menunjukkan adanya ketimpangan hukum antara pelaku UMKM dan penyedia platform digital akibat kontrak yang bersifat sepihak (standard contract) serta belum terpenuhinya unsur ijab-qabul secara syariah. Model harmonisasi yang ditawarkan adalah penerapan akad digital syariah hybrid yang mengintegrasikan prinsip wakalah bil ujrah, salam, dan istishna’ dalam sistem kontrak elektronik. Harmonisasi ini diharapkan dapat memperkuat kepastian hukum, keadilan, dan kehalalan transaksi digital, sekaligus meningkatkan literasi hukum syariah bagi pelaku UMKM kuliner sebagai fondasi menuju ekonomi digital yang berkeadilan dan berkeberkahan.
Co-Authors Dian Herdiana Fikritullah, Al Hidayat, Agi Attaubah Hidayatullah, Gin Gin Farid Jaenudin Jaenudin Koto, M. Alif Hakam Mufadhol, Allam Tri Nurwahyudi, Raulindo Putra Salam, Muhammad Ridwan Zulfa, Aini Yatuz