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All Journal AHKAM : Jurnal Hukum Islam dan Humaniora Al-Zayn: Jurnal Ilmu Sosial & Hukum
Darmawati H
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Implementasi Maqashid as-Syariah dalam Industri Takaful: Analisis Konseptual dan Praktis di Indonesia Erniawati, Erniawati; Nasrullah Bin Sapa; Darmawati H; Mohamad Subli
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 3 No 5 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v3i5.2320

Abstract

Penelitian ini mengkaji konseptualisasi dan implementasi maqashid as-syariah dalam industri takaful Indonesia melalui metode penelitian kepustakaan kualitatif. Studi menganalisis sumber primer meliputi Al-Quran, Hadis, dan fatwa DSN-MUI, serta literatur akademik sekunder. Analisis konseptual mengungkapkan bahwa maqashid as-syariah menyediakan fondasi filosofis komprehensif melalui lima tujuan esensial: pemeliharaan agama, jiwa, akal, keturunan, dan harta, yang terstruktur dalam level hierarkis dharuriyyat, hajiyyat, dan tahsiniyyat. Temuan menunjukkan bahwa takaful memiliki keselarasan konseptual kuat dengan prinsip maqashid melalui mekanisme ta'awun dan tabarru' yang mengeliminasi riba, maysir, dan gharar. Namun, implementasi mengungkap kesenjangan signifikan: kepatuhan formalistik yang mengutamakan prosedur daripada dampak substantif, konflik kepentingan operasional, transparansi terbatas, fokus tidak proporsional pada pemeliharaan harta sambil mengabaikan dimensi maqashid lainnya, dan inklusi finansial tidak memadai bagi kelompok rentan. Penelitian menegaskan bahwa efektivitas operasional menuntut pendekatan transformatif berbasis maqashid, regulasi standar, kompetensi praktisi, dan pergeseran paradigma menuju orientasi tujuan berlandas etik.  
Efektivitas Hukum Ekonomi Syariah dan Hukum Positif terhadap Transformasi Digital Nurahmad Nurahmad; Darmawati H; Abdul Syatar
AHKAM Vol 4 No 3 (2025): SEPTEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v4i3.6682

Abstract

This study is motivated by the limited research on the effectiveness of sharia economic law and positive law in responding to the rapid pace of digital transformation, particularly in providing legal protection and certainty for digital entrepreneurs in Indonesia. The aim of this research is to examine the extent to which these two legal systems are capable of effectively and sustainably regulating and responding to technological developments. The study employs a qualitative approach using socio-juridical and historical-normative designs. Data were collected through literature review of formal regulations, sharia fatwas, and expert interviews. The findings reveal that sharia economic law demonstrates a high degree of flexibility through approaches such as ijtihād, maṣlaḥah, and contemporary fatwas, including DSN-MUI Fatwa No. 117/2018 on information technology-based financing services. However, these fatwas do not yet carry binding legal force within the national legal system. Conversely, positive law offers stronger legal certainty through formal regulations such as the Electronic Information and Transactions Law (ITE Law), Financial Services Authority Regulation (POJK) No. 77/2016 on IT-Based Lending Services, and the Personal Data Protection Law (UU PDP), although it often lags in addressing emerging technologies such as blockchain and smart contracts. The study concludes that sharia economic law excels in ethical values and social benefit orientation, while positive law is stronger in terms of legal structure and formal sanctions. The implications of these findings highlight the importance of integrating both legal systems into a hybrid legal framework that ensures justice, legal certainty, and public benefit in supporting an inclusive and sustainable digital economic ecosystem in Indonesia.
Co-Authors Erniawati, Erniawati Mohamad Subli Nasrullah Bin Sapa Nurahmad Nurahmad Syatar, Abdul