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All Journal Al-Insyiroh: Jurnal Studi Keislaman Journal of Islamic Education and Intellectual Discourse
Abdul Chamid
UIN Prof KH Saifuddin Zuhri Purwokerto
Religion Economics, Econometrics & Finance Education Social Sciences Other

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A Normative-Analytical Study of Riba and Its Manifestations in Market Exchange within Islamic Commercial Law Abdul Chamid; Jamal Abdul Aziz
Journal of Islamic Education and Intellectual Discourse (JIED) Vol 1 No 2 (2025): Edisi Desember
Publisher : Faculty of Teacher Training and Education, Palangka Raya University, Central Kalimantan, Indonesia. Pos Code 73112

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37304/jied.v1i2.23431

Abstract

This article analyzes the normative logic of riba and its manifestations within market exchange from the perspective of Islamic legal theory. Drawing on Qur’anic injunctions, Prophetic traditions, and classical as well as contemporary juristic interpretations, the study distinguishes between the primary conception of riba, rooted in debt-based transactions (riba al-qard), and its derivative forms in commercial exchanges (riba al-buyuʿ), such as riba al-fadhl and riba al-nasī’ah. These classifications reflect the broader legal principles of fairness, equivalence, and transparency that underpin Islamic economic ethics. The research employs a qualitative library-based approach to examine authoritative legal sources and scholarly works, enabling a comprehensive understanding of the doctrinal foundations governing the prohibition of riba. The findings reveal that the prohibition is not merely ritualistic or theological in nature but serves a substantive socio-economic function by preventing exploitation, wealth concentration, and market distortions. In addition, the paper highlights contemporary manifestations of riba, including non-transparent credit sales, late-payment penalties, non-cash gold transactions, and conditional sales that create unjust advantage demonstrating how classical legal categories remain relevant in modern financial practices. The study also engages with alternative views, particularly those proposing a distinction between exploitative usury and mutually agreed interest, as articulated by scholars such as Sjafruddin Prawiranegara. Ultimately, this article argues that the normative logic of riba is fundamentally tied to the preservation of distributive justice and ethical balance in economic relations, underscoring the need for Sharia-compliant contractual models that uphold these principles.
Reconstructing The Sharia Economic Integration Model: A Path Toward Santri Economic Independence in The Pesantren Context Abdul Chamid; Emiola Habeeb Olasunkanm; Habeebullah Abdus-salaam
Al-Insyiroh: Jurnal Studi Keislaman Vol. 12 No. 1 (2026): March 2026
Publisher : LPPPM STAI Darul Hikmah Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35309/alinsyiroh.v12i1.671

Abstract

This study examines an integration model of Islamic economics into the curriculum of Islamic boarding schools (pesantren) as an effort to strengthen students’ economic independence. Although many pesantren conduct economic activities and teach fiqh muamalah, these elements often operate without systematic curriculum reconstruction. Using a qualitative case study approach, data were collected through document analysis, participatory observation, and in-depth interviews with administrators, teachers, and students. Data were analyzed through open, axial, and selective coding to identify patterns of integration and structural gaps. The findings reveal that integration occurs across three operational dimensions: (1) textual–normative instruction through classical fiqh muamalah texts, (2) structured economic practices via student business unit rotations, and (3) institutionalized ethical supervision mechanisms. However, these dimensions remain fragmented and are not formally embedded into measurable curriculum structures. Based on these findings, this study reconstructs a Sharia Economic Curriculum Integration Model consisting of four interrelated components: value integration, formal curriculum integration, practice-based learning integration, and institutional economic ecosystem integration. The study concludes that integrating Islamic economics in pesantren is not merely the addition of economic content but requires epistemological restructuring of the curriculum to bridge classical religious scholarship and applied economic competence. This reconstruction strengthens the role of pesantren as institutions that cultivate both religious authority and sustainable economic independence.
Co-Authors Emiola Habeeb Olasunkanm Habeebullah Abdus-salaam Jamal Abdul Aziz