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All Journal Jurnal Adab dan Peradaban Islam Kafalah: Jurnal Ekonomi, Manajemen, Dan Keuangan Syariah
Zainal Arifin
Universitas Islam Lampung, Indonesia
Religion Arts Humanities Economics, Econometrics & Finance Environmental Science

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RELASI ADAT DAN AKAD DALAM PRAKTIK EKONOMI SYARIAH UMKM BERBASIS BUDAYA LOKAL Zainal Arifin
Jurnal Adab dan Peradaban Islam Vol 1 No 3 (2025): Fokus Tematik: Seni, Sastra, Ekspresi Budaya, Hukum, dan Ekonomi
Publisher : CV JK Riset Publishing Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55982/adab.2025.96

Abstract

This study aims to analyze the integration of Lampung's customary values with sharia contracts in UMKM economic practices in West Tulang Bawang, Metro, and Bandar Lampung. Economic ethnography method was employed involving 45 informants through in-depth interviews and participatory observation over six months. Research findings indicate that piil pesenggiri philosophy (nemui nyimah, nengah nyappur, sakai sambayan, juluk adok) converges with maqashid sharia in UMKM practices. The sakai sambayan system in West Tulang Bawang produces qardh al-hasan financing with 87% compliance rate. Murabahah contracts based on nemui nyimah in Metro increase customer loyalty up to 75%. Musyarakah partnerships with juluk adok principles in Bandar Lampung achieve 45% annual turnover growth. The study concludes that the supremacy of trust and customary-based social networks serves as an effective enforcement mechanism, yet faces modernization challenges requiring comprehensive empowerment strategies through sharia microfinance institutions, digital platforms based on local values, and certification systems for sharia economic sustainability.
Implikasi Sertifikasi Halal Dalam Manajemen Usaha UMKM Sektor Pangan Dan Minuman Aye Sudarto; Zainal Arifin
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 2 No. 2 (2025): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v2i2.69

Abstract

Peran strategis UMKM semakin signifikan dalam konteks pengembangan industri halal di Indonesia. Sebagai negara dengan jumlah penduduk muslim terbesar di dunia, permintaan terhadap produk halal terus meningkat secara eksponensial. Namun, sektor riil halal, khususnya UMKM, belum sepenuhnya mampu memanfaatkan peluang ini. Salah satu tantangan utama adalah keterbatasan dalam hal sertifikasi halal. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan jenis penelitian lapangan (field research). Penelitian lapangan dilakukan untuk memperoleh data langsung dari objek yang diteliti di lingkungan alamiah, dalam hal ini Usaha Mikro, Kecil, dan Menengah (UMKM) sektor makanan dan minuman di Kota Metro yang telah memperoleh sertifikasi halal. Data lapangan menunjukkan bahwa sertifikasi halal berdampak nyata terhadap peningkatan penjualan serta membangun kepercayaan konsumen. Kepercayaan tersebut tumbuh karena sertifikasi halal tidak hanya dipandang sebagai label administratif semata, tetapi sebagai jaminan atas keamanan, kebersihan, dan kesesuaian produk dengan prinsip-prinsip agama. Di Kota Metro, di mana mayoritas penduduk beragama Islam, aspek kehalalan menjadi salah satu pertimbangan utama dalam keputusan pembelian
Prinsip Amanah Dalam Fiqih Muamalah Dan Kontribusinya Terhadap Peradaban Bisnis Islam Zainal Arifin
Jurnal Adab dan Peradaban Islam Vol 2 No 1 (2026): Pemikiran Keislaman dan Dinamika Sosial
Publisher : CV JK Riset Publishing Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55982/adab.2026.171

Abstract

The background of this research is based on the urgency of implementing the principle of amanah (trust) in the Islamic business system, which is increasingly relevant in the era of global economic modernization. This research aims to examine and analyze the concept of amanah in fiqh muamalah and its contribution to the formation of a just and ethical Islamic business civilization. The method employed is qualitative research with a library research approach through document analysis, normative text study, and synthesis of relevant scientific literature. The results show that the principle of amanah has three main dimensions: transactional honesty, contractual responsibility, and institutional integrity. The conclusion of this study affirms that amanah is not merely a moral value but an epistemological and institutional foundation for Islamic business civilization, capable of providing solutions to the trust crisis in contemporary economics. mic education and the renewal of Muslim intellectual and moral culture.
Aktualisasi Maqashid Al-Syari'ah Dalam Fiqih Muamalah Kontemporer: Menjawab Problematika Transaksi Ekonomi Digital Zainal Arifin
Jurnal Adab dan Peradaban Islam Vol 2 No 2 (2026): Fokus Tematik : Budaya Kontemporer Dan Transformasi Sosial
Publisher : CV JK Riset Publishing Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55982/adab.2026.219

Abstract

Transformasi digital mengubah transaksi ekonomi melalui e-commerce, marketplace, dompet digital, paylater, fintech, smart contract, dan kecerdasan artifisial. Perubahan ini meningkatkan efisiensi dan akses ekonomi, tetapi memunculkan persoalan fiqih muamalah berupa gharar, potensi riba, manipulasi, penipuan, penyalahgunaan data pribadi, dan ketimpangan pelaku usaha dengan konsumen. Artikel ini bertujuan menganalisis aktualisasi maqashid al-syari'ah dalam fiqih muamalah kontemporer sebagai kerangka normatif transaksi digital. Penelitian menggunakan library research dengan pendekatan normatif-konseptual dan analisis deskriptif-analitis. Sumber meliputi Al-Qur'an, hadis, karya ushul fiqih dan maqashid al-syari'ah, fatwa. Hasil menunjukkan maqashid al-syari'ah menjadi parameter menilai keabsahan dan dampak etis transaksi digital. Hifz al-mal, keadilan, kemaslahatan, transparansi, dan pencegahan mudarat perlu diterapkan dalam akad, perlindungan konsumen, keamanan data, serta penyelesaian sengketa. Artikel menawarkan Maqashid-Based Digital Muamalah Framework untuk pengembangan fatwa, regulasi, dan bisnis digital yang adaptif serta berkeadilan berkelanjutan.
Adab Bermuamalah Sebagai Fondasi Etika Ekonomi Islam: Perspektif Fiqih Muamalah Kontemporer Zainal Arifin
Jurnal Adab dan Peradaban Islam Vol 2 No 2 (2026): Fokus Tematik : Budaya Kontemporer Dan Transformasi Sosial
Publisher : CV JK Riset Publishing Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55982/adab.2026.220

Abstract

The development of the modern economy and digital transformation has changed the patterns of economic interaction among Muslim communities. Buying and selling, financing, e-commerce, financial services, and contemporary contracts are increasingly conducted rapidly and complexly. This condition raises not only issues concerning the validity of contracts according to Islamic jurisprudence but also ethical challenges such as dishonesty, manipulation, gharar, exploitation, injustice, and excessive profit orientation. This article aims to analyze the position of adab in economic transactions as the foundation of Islamic economic ethics and its relevance to contemporary Islamic jurisprudence issues. This study employs a literature review method with a normative-conceptual approach. Data were obtained from the Qur’an, hadith, Islamic jurisprudence literature, Islamic economics books, and relevant scholarly articles. The analysis was conducted descriptively and analytically. The findings show that adab in economic transactions constitutes a moral dimension in implementing Islamic commercial law through honesty, trustworthiness, justice, mutual consent, transparency, responsibility, and public benefit. Integrating Islamic jurisprudence and adab is essential for developing a just and ethical Islamic economy.
Co-Authors Aye Sudarto