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All Journal Madani: Multidisciplinary Scientific Journal Socius: Social Sciences Research Journal Media Hukum Indonesia (MHI)
J, Jaenudin
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Tinjauan Hukum Ekonomi Syariah Terhadap Income Konten Kreator Tiktok Sebagai Sumber Penghasilan Fitri, Irene Raydilla; Alizam, Nur; Nisa, Safina Ainun; J, Jaenudin; Herdiana, Dian
Media Hukum Indonesia (MHI) Vol 4, No 1 (2026): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17839099

Abstract

Kemunculan media sosial sebagai ruang ekonomi baru membuat pekerjaan sebagai content creator semakin diminati, terutama di TikTok yang menawarkan peluang kerja sama promosi atau endorsement. Fenomena ini memunculkan pertanyaan mengenai bentuk transaksi jasa tersebut ketika dilihat dari perspektif Hukum Ekonomi Syariah, terutama terkait penerapan akad ijarah dan kemungkinan adanya unsur gharar dalam proses kerja sama. Penelitian ini dilakukan untuk memahami bagaimana mekanisme endorsement dijalankan oleh dua content creator, yaitu Arya Zikri Maulana Latif dan Makhyatul Fikriya, serta menilai apakah praktik tersebut sesuai dengan prinsip muamalah. Fokus penelitian diarahkan pada cara mereka menerima kerja sama, bentuk kesepakatan yang terjadi, dan bagaimana pembayaran diatur. Metode penelitian yang digunakan adalah kualitatif deskriptif melalui wawancara, pengumpulan dokumen, dan telaah literatur. Analisis dilakukan melalui proses pengelompokan data, pemaknaan temuan, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa kerja sama endorsement yang dilakukan kedua informan pada dasarnya memenuhi unsur dasar akad ijarah, seperti adanya jasa yang jelas, kesepakatan antara pihak, dan penentuan upah. Meskipun demikian, mekanisme Arya yang lebih informal masih menyisakan potensi ketidakjelasan, sedangkan sistem kerja sama Makhyatul yang melibatkan admin dan perjanjian tertulis cenderung lebih aman dari sisi syariah. Secara umum, praktik endorsement keduanya dapat dikategorikan sejalan dengan prinsip Hukum Ekonomi Syariah.
The Implementation of Sharia Principles in Stock Trading: A Comparative Analysis of Conventional and Sharia-Compliant Stock Markets Putri, Riska Fitri Anggina; Azizah, Iffah; Awani, Renada; J, Jaenudin; Herdiana, Dian
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 4 (2025): November
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17768922

Abstract

This study aims to analyze the fundamental differences between transaction mechanisms in the conventional stock market and the sharia-compliant stock market, as well as to examine the application of sharia principles—such as the prohibitions of riba, gharar, and maysir—in sharia stock trading. In addition, this research evaluates the effectiveness of regulations and supervisory systems in enforcing sharia principles within the Indonesian capital market. The method used is library research by reviewing various sources including scientific journals, books, and official documents from the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The findings show that the sharia stock market has stricter and more transparent mechanisms compared to the conventional market because all instruments and commitments must undergo a sharia screening process to ensure compliance with Islamic principles. The prohibitions of riba, gharar, and maysir are enforced through the avoidance of interest-based transactions, speculative activities, and excessive uncertainty. Regulations issued by OJK and DSN-MUI have played a crucial role in maintaining the integrity of the sharia market, although stronger supervisory systems and improved investor literacy are still needed. Overall, Indonesia’s sharia stock market demonstrates significant potential as an ethical investment alternative grounded in transparency and economic sustainability.
Analisis Fiqh Muamalah terhadap Praktik Pinjaman Kelompok di Platform Fintech Amartha dalam Perspektif Hukum Ekonomi Syariah Gantina, Anna Delfianty; Haikal, M. Awalul; J, Jaenudin; Herdiana, Dian
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 5 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17829589

Abstract

This study examines the legal position and compliance of Amartha’s peer-to-peer lending scheme within the framework of Sharia principles, focusing on the legitimacy of the wakalah bil ujrah contract and its alignment with Indonesian positive law. Using a normative juridical method, this research relies on primary legal materials including OJK regulations governing fintech lending and relevant DSN-MUI fatwas, supported by secondary materials such as journals, sustainability reports, and academic analyses. The findings indicate that Amartha’s business model featuring group-based financing, fixed service fees, and risk-sharing mechanisms generally aligns with the governance requirements stipulated in POJK and the contractual parameters defined in fatwas on wakalah, ujrah, and P2P financing ethics. This study concludes that while Amartha’s model is legally structured to comply with Sharia and positive law, stronger regulatory enforcement and standardized disclosures are necessary to ensure optimal consumer protection and Sharia-compliant financial practices.
Analisis Penerapan Hukum Ekonomi Syariah terhadap Skema Komisi dan Bonus pada Platform Evermos Maharani, Dinda Fiachsania; Alifa, Rannan Salma; Andrian, Devi; J, Jaenudin; Herdiana, Dian
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 5 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17852981

Abstract

This study analyzes the implementation of Islamic Economic Law principles on the commission and bonus schemes applied by Evermos, a sharia-based social commerce platform. Using a qualitative approach with descriptive-analytic methods, data were collected through documentation studies sourced from the Evermos official website, sustainability reports, DSN-MUI fatwas, and relevant muamalah literature. Data were examined using content analysis and normative comparison to assess sharia compliance. The results show that the commission system aligns with the akad wakālah bil ujrah, where resellers act as agents entitled to fair compensation based on their marketing performance. Meanwhile, the bonus scheme corresponds to the concept of ju‘ālah, permissible as long as it is transparent, free from gharar and maisir, and not structured as prohibited multi-level schemes. Overall, Evermos’ commission and bonus mechanisms meet the principles of justice, transparency, and maslahah required in Islamic Economic Law. The study contributes to the theoretical development of sharia business governance and offers practical recommendations for strengthening sharia compliance in digital commerce.
Transformasi Digital Pegadaian Syari’ah: Tinjauan Ulang terhadap Akad Rahn dan Ijarah dalam Layanan Gadai Online Farhanah, Farida Afnan; Nurrohmah, Lia; Destari, Ridha Nuri; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17852693

Abstract

Digital transformation at Pegadaian Syariah is an important step in responding to technological developments and the public’s need for fast and efficient financial services. Through the Pegadaian Digital Service (PDS), pawn transactions can now be conducted online without compromising sharia principles. This study aims to examine how the Rahn and Ijarah contracts are implemented in online pawn services and to assess their compliance with the provisions of fiqh muamalah and legal regulations in Indonesia. The method used is a qualitative approach with a literature study, involving analysis of DSN-MUI fatwas, Islamic economics literature, and official documents from Pegadaian Syariah. The results of the study show that the implementation of the Rahn and Ijarah contracts in digital form fulfills sharia requirements because it is transparent, uses valid electronic signatures, and operates under the supervision of the Sharia Supervisory Board (DPS). This digital transformation not only increases the efficiency and security of services but also expands public access to sharia-compliant finance and supports the realization of maqashid sharia, namely public benefit and justice in modern economic transactions.
Analisis Preskriptif Hukum Ekonomi Syariah terhadap Praktik Pengenaan Biaya Administrasi QRIS pada Usaha Mikro Purwono, Muhammad Azhar Firdaus; Dzakir, Muhammad Najwan; Fuad, Hanif Jayidul; Imtiyaz, Mohammad Alqis Fawwazil; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17810678

Abstract

This study aims to analyze the appropriateness of charging administrative fees in digital payment transactions using QRIS among micro-enterprises in light of the regulations of Bank Indonesia and the principles of Islamic economic law (sharia). Using a qualitative method with a prescriptive approach, this research evaluates whether such practice is right or wrong based on interview data from merchants and consumers, as well as a literature review related to digital payment systems, MDR regulation, and fiqh muamalah. The analysis finds that merchants’ imposition of QRIS administrative fees constitutes conduct that is not aligned with regulatory provisions, violates consumer protection principles, and contradicts the principles of fairness, transparency, and the concept of ‘iwadh in muamalah. The findings affirm that QRIS administrative fees are invalid both from a regulatory and sharia perspective, thereby necessitating stronger education and oversight to ensure fair and sharia-compliant digital transaction practices.
Co-Authors Alifa, Rannan Salma Alizam, Nur Andrian, Devi Awani, Renada Azizah, Iffah Destari, Ridha Nuri Dzakir, Muhammad Najwan Farhanah, Farida Afnan Fitri, Irene Raydilla Fuad, Hanif Jayidul Gantina, Anna Delfianty Haikal, M. Awalul Herdiana, Dian Imtiyaz, Mohammad Alqis Fawwazil Maharani, Dinda Fiachsania Nisa, Safina Ainun Nurrohmah, Lia Purwono, Muhammad Azhar Firdaus Putri, Riska Fitri Anggina