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All Journal Shar-E: Jurnal Kajian Ekonomi Hukum Syariah Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora AL-SULTHANIYAH
Rayyahun, Annisa
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Inovasi Akad Pembiayaan Kartu Kredit pada Perbankan Syariah Susanto, Dedi; Rayyahun, Annisa; Sukmana, Ahyana Syahila; Lutfi, Mukhtar
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.v14i2.3593

Abstract

Islamic credit cards are one of the innovations in the Islamic financial system aimed at providing non-cash transaction facilities while adhering to Islamic principles. This study aims to identify the challenges and issues faced by Islamic banks in developing and implementing Islamic credit card products in Indonesia. The research method used is a literature study with a descriptive qualitative approach, referring to academic literature, fatwas from the National Sharia Council (DSN-MUI), and banking regulations. The results show that Islamic banks face several key challenges, including limited public understanding of sharia-based contracts, the need for adequate supporting technology systems, and intense competition from more widely known conventional credit cards. In addition, limited product innovation and the need for harmonization between sharia regulations and national financial authority policies remain significant obstacles. Therefore, synergy between regulators, industry players, and academics is necessary to strengthen Islamic credit card products through education, sharia financial literacy, and the development of competitive yet sharia-compliant features.
Transmisi Peradaban Islam ke Dunia Barat: Jalur, Kontribusi, dan Dampaknya terhadap Renaisans Eropa Rayyahun, Annisa; Sukmana, Ahyana Syahila; Widianti, Anyta; Hasaruddin; Harisa, Rahmawati
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.3460

Abstract

This study aims to explore the contributions of Islamic civilization to the development of the Western world, particularly between the 8th and 15th centuries CE. Using a historical-analytical approach and literature review, the research reveals how knowledge, philosophy, art, and technology from the Islamic world were transmitted to Europe through key channels such as Al-Andalus, trade routes, the Crusades, translation movements, and Islamic educational centers. The findings show that Islamic contributions played a pivotal role in laying the foundation for the Renaissance and the intellectual awakening in the West, despite being frequently overlooked in mainstream historical narratives. This study also emphasizes the need for a fair and inclusive historical reconstruction to fully understand the interconnectedness of Islamic and Western civilizations.
Implementasi Prinsip-Prinsip Ekonomi Islam dalam Konteks Ekonomi Indonesia Rayyahun, Annisa; Amiruddin; Rifqi
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 11 No. 1 (2025): Shar-E: Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v11i1.3910

Abstract

This study examines the system and principles of Islamic economics from both a theoretical perspective and its contemporary implementation in Indonesia. Using a literature review method and a descriptive-analytical approach, the research aims to identify and analyze the fundamental principles of Islamic economics, such as tauhid, justice, khilafah, and al-Mas’uliyah, as well as evaluate their application in the context of modern economics in Indonesia. Through a review of relevant literature sources, this study finds that although Islamic economics holds significant potential to create a just and sustainable system, its implementation in Indonesia faces various challenges, such as social inequality, unsustainable resource management, and lack of transparency in business practices. Therefore, efforts are needed to improve the understanding and implementation of Islamic economic principles to create a more inclusive and just economic system.
Analisis Maqāṣid al-sharī’ah dalam Transaksi Jual Beli Ornamen Keagamaan Nonmuslim Rayyahun, Annisa; Sabbar, Sabbar Dahham
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 1 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i1.3439

Abstract

This research examines the maqāṣid al-sharī’ah perspective in the context of buying and selling non-Muslim religious ornaments with a contemporary fiqh muamalah approach. The main focus of the research is to analyze the legal aspects, limitations, and implications of the transaction within the framework of maintaining the five fundamental aspects (ḍarūriyyah al-khams). The research methodology uses a qualitative approach with descriptive-normative analysis, combining classical and contemporary literature studies, as well as comparative analysis of scholarly opinions. Primary data is obtained from classical fiqh books, fatwas of contemporary scholars, and documentation related to the practice of buying and selling religious ornaments. Secondary data includes journals, scientific articles, and related research results. The results of the study show that: First, there are variations of scholarly opinions in determining the law of buying and selling non-Muslim religious ornaments. Second, this practice is permissible as long as it does not violate sharia principles, such as supporting activities that are contrary to Islam or harming the ummah. This transaction must maintain maslahat, tolerance and social harmony without obscuring Islamic identity.
Co-Authors Amiruddin Dedi Susanto Harisa, Rahmawati Hasaruddin Lutfi, Mukhtar Rifqi Sabbar, Sabbar Dahham Sukmana, Ahyana Syahila Widianti, Anyta