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All Journal Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Al-Kharaj: Journal of Islamic Economic and Business Journal of Islamic economics Perspectives (JIEP)
Muhammad Fauzinudin Faiz
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Efficacy of Murabahah Agreements in Personal Financing Schemes: A Case Study of KSPPS BMT NU in Rural Indonesia Shinta Amelia Putri; Nita Aprilia; Intan Yulianti; Muhammad Fauzinudin Faiz
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.6330

Abstract

This study aims to analyze the effectiveness of murabahah agreements in personal financing schemes at KSPPS BMT NU, especially at the Wringin Bondowoso branch, Indonesia. This research uses a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews with semi-structured interviews and using purposive techniques in determining respondents, direct observation, and documentation related to the procedures and implementation of the murabahah agreements. The results showed that KSPPS BMT NU Wringin Branch has successfully implemented the murabahah agreements in accordance with sharia principles. The transparent financing process and clear profit margin are the main factors in increasing customer trust. In addition, this murabaha contract contributes to increasing access to financing for the Wringin village community. The results of this study provide important insights into the application of murabahah agreements in Islamic microfinance institutions and their impact on the economic development of the ummah. This study recommends the need for further development in Islamic financing practices as well as suggestions for future research that can explore other aspects of the murabahah contract and its impact on community welfare
Establishing a Zakat Culture based on Good Zakat Governance and Good Zakat Empowerment in Indonesia Chotib, Moch; Muhammad Fauzinudin Faiz; Ikhsan Abdullah
Journal of Islamic Economics Perspectives Vol. 5 No. 2 (2023): September (2023) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v5i2.121

Abstract

Fatwa and the Question of Meaning: A Hermeneutic Reading of Zakat on Illicit Wealth Muhammad Fauzinudin Faiz; Aouich, Abdelmalek; Miftahussur, Wildan
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 59 No 2 (2025)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v59i2.1593

Abstract

Illicit wealth is legally excluded from the obligation of zakat; however, it remains morally conceptualized as requiring purification. This article examines the interpretation of zakat on illicit wealth through a hermeneutic analysis of Fatwa No. 13 of 2011, issued by the Indonesian Ulama Council (Majelis Ulama Indonesia, MUI). The fatwa asserts that zakat is not obligatory on unlawfully acquired assets, as such wealth is not legally recognized under Islamic law. Rather than concentrating on the doctrinal legitimacy of this stance, the study investigates how religious communities comprehend and respond to the fatwa in relation to moral purification and wealth redistribution. Employing Hans-Georg Gadamer’s notions of pre-understanding (Vorverständnis) and fusion of horizons (Horizontverschmelzung), the research utilizes a philosophical hermeneutic approach within a socio-legal framework. It conceptualizes the fatwa not merely as a static legal document but as an interpretive event situated within a dynamic dialogue between normative teachings and lived social meanings. The findings reveal that many Muslims regard zakat not only as a legal duty but also as a spiritual act of cleansing, even when the wealth originates from unlawful sources. This highlights a disjunction between the legal content of the fatwa and the moral imagination of its public audience. The study concludes that fatwas should not be interpreted as unequivocal commands but as discursive texts negotiated through shared ethical and cultural horizons.
Co-Authors Aouich, Abdelmalek Chotib, Moch Ikhsan Abdullah Intan Yulianti Miftahussur, Wildan NITA APRILIA Shinta Amelia Putri