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All Journal El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Rozalina Mirwan
Universitas Islam Bandung (UNISBA)
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Akad Salam pada Transaksi Jual Beli Melalui E-Commerce Rozalina Mirwan; Titin Suprihatin; Nandang Ihwanudin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.6838

Abstract

This study aims to analyze buying and selling transactions in e-commerce, particularly on Shopee, from the perspective of Islamic economics. Using a descriptive method with a qualitative approach, this research evaluates the operational mechanisms of e-commerce transactions and their compliance with the principles of the salam contract. The findings indicate that transactions with upfront cash payments meet the criteria of the salam contract in accordance with Sharia requirements. However, potential irregularities in transactions were identified and addressed through Shopee's protection system, which allows buyers to exercise their khiyar rights based on the type of irregularity. This protection ensures fairness, convenience, and security for buyers in online transactions, even though the products cannot be directly inspected. Trustworthiness (amanah) is a crucial element in building buyer confidence. It involves transparently conveying product information, providing detailed descriptions of product conditions, and using media that accurately represent the actual condition of the products. The seller's consistency in maintaining trustworthiness in accordance with the salam contract can enhance buyer trust and loyalty. In conclusion, e-commerce transactions can align with Islamic economic principles if conducted in compliance with Sharia guidelines, particularly the salam contract, and supported by trustworthiness. Further research is recommended to explore the implementation of Sharia principles in transactions involving other payment methods, such as COD and credit/installments.
COMPARATIVE ANALYSIS AND INVESTMENT STRATEGY OF ISLAMIC STOCKS IN THE PRIMARY AND SECONDARY MARKETS Rozalina Mirwan; Panji Adam Agus Putra; Nandang Ihwanudin
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol. 6 No. 2 (2026): July (El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

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Abstract

The dominance of sharia stocks in the Indonesian capital market, which will reach 62.55% by 2025, is accompanied by an increase in the number of investors, but faced with the challenge of fraudulent practices and violations of sharia principles, so this study aims to analyze the differences in the characteristics of sharia stock investment between the primary market and the secondary market and formulate optimal strategies to ensure sharia compliance. With the qualitative literature study method, the results of the study revealed the fundamental difference that the primary market uses a Syirkah Musahamah (partnership) contract that offers the potential to benefit from lower dividends and initial price and contributes directly to the halal business, but is high risk and limited liquidity. Meanwhile, the secondary market is based on the Ba'i Al Musawamah contract which is a pillar of liquidity and flexibility to diversify and achieve dividends and capital gains, despite facing price fluctuations and commission costs. In conclusion, market choice depends on the investor's profile of the investor's financial objectives, investment period, and risk tolerance of each investor, with sustainable sharia compliance can only be ensured through a comprehensive strategy that synergizes moral integrity (Islamic business ethics), screening technology (SOTS and the Sharia Securities List/DES), analytical competence (fundamental and technical), and increased Islamic financial literacy, with absolute verification requirements issuers through DES in accordance with OJK regulations and DSN-MUI fatwa.
Co-Authors Nandang Ihwanudin Panji Adam Agus Putra Titin Suprihatin