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J, Jaenudin
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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.
Analisis Kepatuhan Syariah dalam Praktik Bisnis Network Marketing Studi Kasus: PT Bandung Eco Sinergi Teknologi (PT BEST) Aulia, Muhammad Azkal; Usfantoro, Meyga Nurcahyo; Imdaduloh, Aurel; 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.17840772

Abstract

The rapid growth of multi-level marketing (MLM) companies in Indonesia, including those claiming to adopt a sharia-based system, raises questions regarding the conformity of their business mechanisms with Islamic economic law principles. This study aims to analyze the level of sharia compliance in the network marketing practices of PT Bandung Eco Sinergi Teknologi (PT BEST). A qualitative approach with a descriptive-analytical method is employed to examine PT BEST’s business system based on muamalah principles and the provisions of DSN-MUI Fatwa No. 75/DSN-MUI/VII/2009 on Sharia-Compliant Multi-Level Direct Selling. Primary data were collected through interviews with distributors and management, observations of training and marketing activities, and documentation studies of company regulations and bonus schemes. The findings indicate that PT BEST has made efforts to implement a sharia-compliant network marketing model by providing real and beneficial products and explicitly avoiding riba-related practices. However, several aspects still require improvement, particularly the balance between product sales and member recruitment, the transparency of bonus distribution, and the effectiveness of sharia supervision. The study concludes that PT BEST’s business system partially fulfills sharia principles and offers recommendations for strengthening more ethical, transparent, and equitable network marketing practices.
Implementation of Digital Zakat Payments at the National Amil Zakat Agency (BAZNAS) of Bandung City Munajat, Muhammad Istajib; Algiani, Jimi Malik Bin; Roihansyah, Muhammad Sahrul; 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

Abstract

This study aims to examine the implementation of digitalization in the zakat payment system at BAZNAS Bandung City and its impact on management efficiency and community engagement. The rationale behind this investigation stems from the necessity for zakat organizations to embrace technological advancements to enhance transparency, accountability, and service accessibility. The methodology used is qualitatively descriptive, involving interviews, observations, and documentation from BAZNAS stakeholders and digital service users. The findings indicate that the deployment of the BAZNAS Digital Office framework and additional digital platforms has facilitated zakat payments, expanded the scope of collection, and improved transparency in distribution processes. Moreover, digitalization has encouraged the involvement of non-civil servant communities in consistent and effective zakat practices. Nevertheless, challenges remain, including limited digital literacy, technical malfunctions, and concerns regarding data security. In summary, the digital transformation of zakat at BAZNAS Bandung City represents a significant step toward contemporary, efficient, and accountable zakat administration. Enhancing human resource capacity and system security is crucial to maintaining public trust. Practically, this study underscores the importance of collaboration between zakat institutions and the technology sector to strengthen the social impact of zakat in the digital era.
Analisis Penerapan Prinsip Muamalah dalam Operasional Hotel Syariah (Savindra Residence) Ali Fikri, Muhammad; Maulana, Muhammad Iqbal; Putri H, Hana; 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.17828756

Abstract

This study examines how muamalah principles are implemented in the daily operations of a sharia hotel in Indonesia. Using a qualitative descriptive-analytic approach, data were collected through interviews, observations, and literature reviews, including DSN-MUI Fatwa No.108/2016. The findings show that the hotel applies sharia-compliant service contracts by strictly verifying marital status, preventing unlawful activities, and ensuring transparency in every transaction. Ethical values such as amanah and ihsan are reflected in the staff’s polite yet firm attitude when communicating rules to guests. However, challenges remain, including limited guest understanding of sharia regulations, insufficient supporting facilities, and occasional security issues. The study concludes that although the hotel has generally upheld muamalah principles, improvements in guest education and sharia-based facilities are still needed for more optimal implementation.
An Islamic Economic Law Analysis of Online Almsgiving Practices through the Digital Platform in the Dompet Dhuafa Application Dwiyulianthi, Anisya; Sofyanti, Rahma Siti; 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.17840961

Abstract

This study analyzes the implementation of online almsgiving (sedekah) on the Dompet Dhuafa platform from an Islamic sharia perspective using a qualitative approach with a descriptive method supported by in-depth interviews. The findings show that online almsgiving complies with sharia principles based on the Qur’an, Hadith, and fiqh rules that permit the use of technology as a means of worship. The system operates through an integrated digital platform with transparent mechanisms, oversight by a Sharia Supervisory Board, and independent audits with an unqualified (WTP) opinion. Online almsgiving significantly increases the number of donors due to accessible features, wide outreach, and efficient processes. Challenges include varying levels of digital literacy, technical limitations, and public concerns regarding sharia validity. These are addressed through continuous education, enhanced security, maximum transparency, and hybrid service models. The study concludes that digital transformation in almsgiving demonstrates Islam’s adaptability while upholding sharia values and optimizing the potential of Islamic philanthropy for greater social impact in the digital era.
A Maqasid Sharia Analysis of Item Purchase Practices in the Roblox Game Nuruzzaman, Muhamad; Wildan, Dede; Almalik, Sulthan Arfa; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 10 (2025): November
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17773908

Abstract

This study examines the practice of purchasing digital items in the Roblox game from the perspective of maqasid al-syari‘ah, with a specific focus on the principle of protection of wealth. Using a qualitative descriptive method and a maqasid-based analytical approach, this research explores players’ consumption behavior, motivations, and the ethical dimensions of digital spending. Data were obtained through interviews with two Roblox players and an academic expert, supported by relevant literature. The findings show that the purchase of Robux and in-game items is generally conducted for recreational purposes and remains within acceptable financial limits when basic needs are fulfilled and spending is controlled. While such transactions are categorized as permissible according to Islamic economic principles, they carry potential risks such as impulsive spending, digital addiction, and exposure to inappropriate content. The study concludes that purchasing digital items in Roblox is allowed as long as it does not lead to wastefulness, harm, or neglect of obligations. Implementing moderation and financial awareness is essential to ensure alignment with maqasid al-syari‘ah, particularly in protecting wealth and preserving moral values within digital consumption practices.
Analisis Hukum Ekonomi Syariah Terhadap Praktik Diskon Tiket Bioskop Murah: Tinjauan Maslahah, Mudharabah dan Implikasi Bagi Konsumen dan Produsen Sibgah, Lalah; Aulia, Resha Atkya; 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.18008964

Abstract

The practice of offering cinema ticket discounts has become a common marketing strategy in Indonesia’s entertainment industry, particularly through digital platforms and membership programs. This study examines cinema ticket discount practices from the perspective of Islamic economic law, focusing on the concepts of maslahah (public benefit), mudharabah (profit-sharing), and their implications for consumers and producers. Using a descriptive-analytical qualitative approach, the study analyzes discount mechanisms, pricing structures, and their impact on stakeholders through the lens of Islamic legal principles. The findings indicate that offering cinema ticket discounts can be justified in Islamic law when they fulfill the criteria of maslahah by providing accessibility to entertainment, supporting economic circulation, and ensuring fairness in transactions. However, certain practices, such as extreme price manipulation, misleading marketing, and exploitation of consumer behavior, raise concerns regarding gharar (uncertainty) and dharar (harm). The mudharabah framework provides insights into the profit-sharing dynamics between cinemas, distributors, and digital platforms, emphasizing the need for transparent and fair partnerships. This study recommends that discount practices be regulated to ensure compliance with Islamic principles of fairness, transparency, and shared benefit, while maintaining industry sustainability and consumer protection.
Analisis Distribusi Program Makan Bergizi Gratis Berdasarkan Maqasid Al-Syariah Amalina, Tiara Nur; Hafidzatunnaimah, Hana; Tadzkir Putri, Sri Ratu Bulqiyah; 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.17937856

Abstract

The Free Nutritious Meal Program launched by the Indonesian government in early 2025 is a strategic policy aimed at addressing malnutrition and stunting among school-aged children, pregnant women, and toddlers through the free distribution of nutritious food. This study aims to evaluate the implementation of the program using the perspective of Maqasid al-Shariah, which emphasizes the protection of life and intellect, distributive justice, and the trustworthy management of resources. The research employs a qualitative approach using in-depth interviews, field observations, and documentation studies. Data analysis is conducted descriptively by comparing implementation practices with the principles of Maqasid al-Shariah. The results show that the Free Nutritious Meal Program has a positive impact on maintaining health and supporting children’s cognitive development. However, challenges remain, including unequal distribution across regions, menu variations that are not aligned with local preferences, inconsistent portion sizes, and suboptimal supervision. The aspect of justice in target determination requires improvement to align with Islamic principles of fairness. The study recommends improving governance through a systematic monitoring system, cross-sector coordination, menu adjustments based on local wisdom, and the consistent application of halal certification. With optimal implementation of Maqasid al-Shariah principles, the program has the potential to become an effective, just, and sustainable social policy.
Preloved Reviewed from the Perspective of Maslahah Mursalah Nurhasanah, Siti; Wulandari, Shalsa Sri; 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

Abstract

This study aims to analyze the practice of preloved goods trading from the perspective of maslahah mursalah and maqasid al-shariah, focusing on its economic, social, and environmental benefits. This research uses a qualitative method with a normative-empirical approach through interviews with preloved business actors in the local area. The results show that preloved trading activities provide various forms of public benefit, including economic efficiency, social equity, and environmental sustainability. Economically, it helps society manage expenses and creates new business opportunities. Socially, preloved promotes solidarity and reduces consumption inequality among different economic classes. Environmentally, it contributes to reducing textile waste and supports the sustainable fashion movement. In Islamic legal perspective, preloved trading is a lawful (mubah) transaction aligned with maqasid al-shariah, as it involves no elements of riba, gharar, or tadlis and delivers benefits to the wider community. Therefore, the preloved trade can be regarded as an embodiment of maslahah mursalah values in the context of contemporary Islamic economics
Co-Authors Adurrofiq, Muhammad Naufal Is Algiani, Jimi Malik Bin Ali Fikri, Muhammad Alifa, Rannan Salma Alizam, Nur Almalik, Sulthan Arfa Amalina, Tiara Nur Andrian, Devi Aulia, Muhammad Azkal Aulia, Resha Atkya Awani, Renada Azizah, Iffah Azzahra, Nazma Maulidia Dawami, Affan Fadly Destari, Ridha Nuri Dwiyulianthi, Anisya Dzakir, Muhammad Najwan Farhanah, Farida Afnan Fikri, Muhammad Ali Fitri, Irene Raydilla Fuad, Hanif Jayidul Gantina, Anna Delfianty H, Hana Putri Haerunisa, Neida Hafidzatunnaimah, Hana Haikal, M. Awalul Herdiana, Dian Hidayat, Fahmi Taupik Imdaduloh, Aurel Imtiyaz, Mohammad Alqis Fawwazil Khairul Amri Maharani, Dinda Fiachsania Mardiyah, Ula Nazhiatul Maulana, Muhammad Iqbal Munajat, Muhammad Istajib Muthmainah, Fahira Qolbu Mutmainah, Alya Nur Nisa, Safina Ainun Nurrohmah, Lia Nuruzzaman, Muhamad Permana, Geger Purwono, Muhammad Azhar Firdaus Putri H, Hana Putri, Riska Fitri Anggina Ramadhan, Muhammad Hakim Roihansyah, Muhammad Sahrul Sanusi, Muhammad Ilham Sibgah, Lalah Siti Nurhasanah Sofyanti, Rahma Siti Suci, Imelda Aulia Tadzkir Putri, Sri Ratu Bulqiyah Usfantoro, Meyga Nurcahyo Uyun, Malihatul Widyadhana, Hana Wildan, Dede Wulandari, Shalsa Sri