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The The Concept of Sustainable Finance in Islam: A Study Ainul Mardiah; Muhammad Ilmi; Erwan Setyanor
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol. 2 No. 2 (2025)
Publisher : PT. Pustaka Andil Lestari

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Abstract

This study aims to explain the concept of sustainable finance from an Islamic perspective. The study analyzed various academic journals and related literature, using a qualitative approach through a literature review. The study found that Islamic sustainable finance focuses not only on financial returns but also on environmental needs, social justice, and compliance with Sharia principles. Values such as justice (al-'adl), balance (al-mizan), and profit (al-maslahah) are its core foundations. The study shows that these principles are consistent with the Sustainable Development Goals (SDGs) and can be implemented through Islamic financial products such as green sukuk and productive waqf. This research contributes to a deeper understanding of the integration of Islamic finance with global sustainability issues.
Hak Kekayaan Intelektual sebagai Kepemilikan Tak Berwujud dalam Persfektif Fikih Muamalah Kontemporer Nurlatifah; Muhammad Aldi Akbar; Erwan Setyanor
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol. 2 No. 2 (2025)
Publisher : PT. Pustaka Andil Lestari

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Intellectual Property (IP) is a manifestation of human intellectual ability that holds moral, economic, and social value. This study examines the definition, scope, and protection of IP from the perspective of contemporary Islamic commercial jurisprudence (fiqh muamalah) and Islamic law, while also reviewing national and global issues concerning IP violations. At the national level, the widespread piracy of books, software, and films in Indonesia reflects low public awareness of copyright, contradicting the Islamic principles of justice and trustworthiness. At the global level, the COVID-19 pandemic raised ethical dilemmas regarding vaccine patents, requiring a balance between IP protection and public access to healthcare. The Islamic perspective emphasizes that IP protection is important but not absolute; in emergency situations or for the public benefit, flexibility is permitted to ensure hifẓ al-nafs (protection of life) and maslahah ‘āmmah. The study concludes that IP should be respected as an asset of both economic and moral value, while its implementation must consider social, economic, and Shariah contexts.
Cicil Emas Dalam Fikih Muamalah Kontemporer Nanda Islamiyah; Najla Aisyifa; Erwan Setyanor
Sinergi : Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): Sinergi: Jurnal Ilmiah Multidisiplin
Publisher : PT. AHLAL PUBLISHER NUSANTARA

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Abstract

Gold installment schemes have become one of the most popular financial products offered by Islamic financial institutions in Indonesia. This product is designed to facilitate the public in owning gold through installment payments based on sharia principles. However, in practice, gold installment transactions often raise debates regarding their compliance with Islamic law, especially in the context of contemporary fiqh muamalah. Issues such as the object of the contract, payment mechanisms, ownership transfer, and the potential presence of riba, gharar, or other prohibited elements require deeper academic analysis. This study aims to examine gold installment practices from the perspective of contemporary fiqh muamalah and to analyze their conformity with sharia principles. This research uses a qualitative descriptive method with a literature study approach. Data were collected from classical fiqh literature, contemporary fiqh studies, fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and relevant scholarly articles and regulations related to gold installment transactions. The data were analyzed by comparing normative Islamic legal principles with the implementation of gold installment products in Islamic financial institutions. The results of this study indicate that gold installment transactions are permissible in Islamic law under certain conditions, such as clear contracts, fixed prices, transparency in payment terms, and the absence of riba and gharar. The use of murabahah or similar contracts is considered acceptable as long as it complies with sharia guidelines. This study implies that strengthening sharia compliance supervision and increasing public literacy on Islamic financial contracts are essential to ensure the sustainability and legitimacy of gold installment products within Islamic finance. Keywords: contemporary fiqh; gold installment; Islamic finance; murabahah; sharia compliance   Abstrak Cicil emas merupakan salah satu produk pembiayaan yang banyak ditawarkan oleh lembaga keuangan syariah di Indonesia. Produk ini bertujuan untuk memudahkan masyarakat dalam memiliki emas melalui sistem pembayaran secara angsuran berdasarkan prinsip syariah. Meskipun demikian, praktik cicil emas masih menimbulkan berbagai perdebatan dari sudut pandang fikih muamalah kontemporer, khususnya terkait keabsahan akad, mekanisme pembayaran, perpindahan kepemilikan, serta potensi unsur riba dan gharar. Oleh karena itu, kajian mendalam diperlukan untuk menilai kesesuaian praktik cicil emas dengan prinsip-prinsip hukum Islam. Penelitian ini bertujuan untuk menganalisis praktik cicil emas dalam perspektif fikih muamalah kontemporer serta menilai kesesuaiannya dengan ketentuan syariah. Metode penelitian yang digunakan adalah metode kualitatif deskriptif dengan pendekatan studi kepustakaan. Data diperoleh dari literatur fikih klasik, kajian fikih kontemporer, fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI), serta artikel dan regulasi yang relevan dengan pembiayaan cicil emas. Analisis data dilakukan dengan membandingkan konsep normatif hukum Islam dengan praktik cicil emas di lembaga keuangan syariah. Hasil penelitian menunjukkan bahwa praktik cicil emas diperbolehkan dalam Islam dengan syarat terpenuhinya ketentuan akad yang jelas, harga yang tetap, transparansi pembayaran, serta terhindar dari unsur riba dan gharar. Implikasi penelitian ini menegaskan pentingnya penguatan pengawasan kepatuhan syariah dan peningkatan pemahaman masyarakat terhadap akad-akad syariah dalam produk pembiayaan emas. Kata kunci: cicil emas; fikih kontemporer; keuangan syariah; kepatuhan syariah; murabahah
Multi Level Marketing: Analisis Konsep, Perkembangan, Dan Tinjauan Hukum Ekonomi Syariah Nor Amini Annisa; Helma Nadirah; Erwan Setyanor
Sinergi : Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): Sinergi: Jurnal Ilmiah Multidisiplin
Publisher : PT. AHLAL PUBLISHER NUSANTARA

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Abstract

This study provides a comprehensive analysis of Multi-Level Marketing (MLM) from conceptual, historical, and Sharia economic perspectives. MLM, a distribution strategy where members act as both consumers and marketers, has evolved since the 1940s and is now globally recognized, including in Indonesia, where it is regulated by the Ministry of Trade. This research examines MLM’s operational mechanisms, highlighting recruitment, sales, and network development, while critically assessing its compliance with Sharia principles. It employs a qualitative library research methodology, drawing data from scholarly articles, books, and legal documents. The findings reveal that while MLM offers potential as an effective business model, its implementation must adhere to ethical and legal standards, particularly in Sharia economics, to avoid harmful practices. Key Sharia requirements include halal products, fair contracts, Sharia-compliant operations, reasonable pricing, a Sharia Supervisory Board, equitable incentives, and a focus on community welfare. Compliance ensures that MLM aligns with Islamic values, promoting fair trade and socioeconomic benefits. Keywords: Multi-Level Marketing, Sharia Economics, Islamic Finance, Direct Selling, Business Ethics   Abstrak Penelitian ini menyajikan analisis komprehensif tentang Multi-Level Marketing (MLM) dari perspektif konseptual, historis, dan ekonomi syariah. MLM, sebagai strategi distribusi di mana anggota berperan ganda sebagai konsumen dan pemasar, telah berkembang sejak tahun 1940-an dan kini diakui secara global, termasuk di Indonesia yang diatur oleh Kementerian Perdagangan. Penelitian ini mengkaji mekanisme operasional MLM, menyoroti perekrutan, penjualan, dan pengembangan jaringan, sambil menilai secara kritis kepatuhannya terhadap prinsip-prinsip syariah. Metode penelitian yang digunakan adalah studi kepustakaan kualitatif, dengan data yang bersumber dari artikel ilmiah, buku, dan dokumen hukum. Hasil penelitian menunjukkan bahwa meskipun MLM menawarkan potensi sebagai model bisnis yang efektif, implementasinya harus mematuhi standar etika dan hukum, khususnya dalam ekonomi syariah, untuk menghindari praktik yang merugikan. Persyaratan syariah utama meliputi produk halal, kontrak yang adil, operasional yang sesuai syariah, harga yang wajar, Dewan Pengawas Syariah, insentif yang adil, dan fokus pada kesejahteraan masyarakat. Kepatuhan ini memastikan bahwa MLM selaras dengan nilai-nilai Islam, mempromosikan perdagangan yang adil dan manfaat sosioekonomi. Kata Kunci: Multi-Level Marketing, Ekonomi Syariah, Keuangan Islam, Penjualan Langsung, Etika Bisnis