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All Journal Al-Ihkam: Jurnal Hukum dan Pranata Sosial Solo International Collaboration and Publication of Social Sciences and Humanities
Meriyati
Universitas Indo Global Mandiri Palembang
Religion Humanities Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implementation and Challenges of Wadi'ah Contracts in Islamic Banking with a View to Future Prospects Choiriyah; Dwi Noviani; Meriyati; Dwinda Fatimah Ishaq; Usamarn Madami
Solo International Collaboration and Publication of Social Sciences and Humanities Vol. 3 No. 02 (2025): Solo International Collaboration and Publication of Social Sciences and Humani
Publisher : Walidem Institute and Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61455/sicopus.v3i02.344

Abstract

Objective: Analyze the implementation, challenges, and prospects for the development of wadi'ah contracts in Islamic banking in Indonesia. Theoretical framework: The theoretical framework used involves the principles of wadi'ah contracts in muamalah fiqh and Islamic financial theory, including aspects of sharia compliance, risk management, and the dynamics of competition between Islamic and conventional banking. Literature review: A literature study discusses the concept of wadi'ah contracts in the Islamic financial literature, Islamic banking practices in Indonesia, as well as relevant operational and regulatory challenges, including the development of financial technology (fintech) and blockchain. Method: A descriptive-analytical qualitative method with data collection techniques through interviews, observations, and documentation studies. Results: The implementation of wadi'ah contracts is going well but faces challenges such as operational risks, sharia compliance, and product competition. Transparency and innovation, as well as the use of technologies such as blockchain and fintech, are needed to increase efficiency and customer trust. Implications: This research contributes to the development of policies and strategies for Islamic banking products, especially related to technology-based innovation and strengthening the competitiveness of wadi'ah products. Novelty: Highlighting the opportunities for the adoption of blockchain and fintech technology in strengthening the implementation of wadi'ah contracts, which have not been explored much in previous studies.
Ḥukm Idnā' al-Jilbāb: Dirasah an-Niẓām al-Ijtimā'ī fī Naẓor Naqdi al-Ḥadīth wa Āyāt al-Aḥkām Choliliyah Thoha; Imamul Arifin; Dianidza Arodha; Meriyati; Sukataman
AL-IHKAM: Jurnal Hukum & Pranata Sosial Vol. 21 No. 1 (2026): in Progress
Publisher : Faculty of Sharia IAIN Madura collaboration with The Islamic Law Researcher Association (APHI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/al-lhkam.v21i1.22342

Abstract

This study examines the concept of lowering the jilbab in Islamic jurisprudence (fiqh) through an integrative approach that combines a textual study of the Qur’an and the Prophetic Hadith with a socio-religious analysis of contemporary practice. The study takes as its starting point the Qur’anic verse in Sūrah al-Ahzāb (59) as the legislative basis for the command to let the jilbāb hang down, then focuses on the relevant hadith, tracing its transmission, examining its chain of transmission, and comparing it with the accounts found in the exegesis. It provides a practical description of how the women of the Ansar complied with the command to let the jilbab hang down, as recorded in the reasons for revelation. The research adopts a qualitative methodology by combining desk-based and field research, analysing the views of exegetes and jurists on the meaning of the jilbab and ‘idna’, and conducting field observations and in-depth interviews with Muslim women from diverse social and educational backgrounds. The findings reveal that the motivations for wearing the long jilbab vary, including religious commitment, the construction of social identity, the influence of fashion and social media, and family and cultural factors. The research also highlights a significant jurisprudential difference regarding the issue of face covering, whereby ‘idna’ is not understood as an absolute obligation to cover the face but is linked to the objectives of Sharia, such as covering the ‘awrah’, preventing fitnah, and preserving dignity.
Co-Authors Choiriyah Choliliyah Thoha Dianidza Arodha Dwi Noviani Dwinda Fatimah Ishaq Imamul Arifin Sukataman Usamarn Madami