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All Journal Neo Journal of economy and social humanities Best Journal of Administration and Management KENDALI: Economics and Social Humanities
Maulida, Reska
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Role of Sharia Fintech Implementation in Overcoming Gharar in E-Commerce Transactions to Ensure Sharia Compliance and Transaction Certainty in the Digital Economy in Indonesia Maulida, Reska; Habibi, Ahmad; Fasa, Muhammad Iqbal
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.378

Abstract

The study aims to analyze the strategic role of Sharia Fintech implementation in overcoming gharar elements in e-commerce transactions in order to ensure Sharia compliance and increase transaction certainty in Indonesia's digital economy ecosystem. Gharar in e-commerce often occurs due to non-conformity of goods, quality uncertainty, and lack of transparency of information, where buyers cannot physically verify the goods. Using a qualitative descriptive approach through literature studies, it was found that Sharia fintechs offer mitigation solutions through innovations such as Sharia smart contracts that automate clear contracts, Sharia escrow systems that hold funds until goods are received, and blockchain-based halal traceability technology for product transparency. The results of the study show that the adoption of this technology significantly minimizes ambiguity, reduces the risk of disputes, and increases consumer confidence, but the main challenges still include low Sharia digital literacy and not yet optimal integration across e-commerce platforms.
IMPLEMENTASI INVESTASI DALAM ISLAM MENURUT PANDANGAN DAN ATURAN DSN-MUI NOMOR 40/DSN-MUI/X/2003 Maulida, Reska; Hilal, Syamsul; Bahrudin, Moh.
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1018

Abstract

Penelitian ini bertujuan untuk menganalisis secara komprehensif implementasi investasi dalam Islam menurut pandangan dan aturan yang tertuang dalam Fatwa DSN-MUI Nomor 40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal. Metode penelitian yang digunakan adalah studi literatur (library research) dengan pendekatan analisis isi (content analysis) terhadap sumber-sumber primer berupa fatwa DSN-MUI, jurnal ilmiah, dan laporan penelitian terkait investasi dan pasar modal syariah, serta sumber sekunder yang relevan. Hasil penelitian menunjukkan bahwa Fatwa DSN-MUI Nomor 40/DSN-MUI/X/2003 memiliki landasan syariah yang kuat dan komprehensif, bersumber dari dalil-dalil Al-Qur'an (QS. Al-Baqarah: 275, QS. An-Nisa: 29, QS. Al-Hasyr: 18), hadits (hadits tentang mudharabah dan larangan gharar), ijma' ulama dari berbagai mazhab (Hanafi, Maliki, Syafi'i, Hanbali), dan kaidah ushul fiqh. Implementasi fatwa dalam praktik pasar modal syariah Indonesia dilakukan melalui mekanisme screening bertahap yang terdiri dari business screening untuk mengeliminasi sektor usaha yang bertentangan dengan prinsip syariah, dan financial screening dengan parameter total utang berbasis bunga maksimal 45% dari total aset dan total pendapatan tidak halal maksimal 10% dari total pendapatan. Investasi syariah memiliki karakteristik khusus yang membedakannya dari investasi konvensional, yaitu kebebasan dari unsur riba, gharar, dan maysir, serta dibangun atas prinsip fundamental keadilan (al-'adl), transparansi (ash-shiddiq), kemaslahatan, dan kehati-hatian. Landasan hukum positif Indonesia melalui UUD 1945 Pasal 29, UU Nomor 8 Tahun 1995 tentang Pasar Modal, UU Nomor 21 Tahun 2011 tentang OJK, dan POJK Nomor 15/POJK.04/2015 memberikan dukungan regulasi yang kuat dengan menjadikan fatwa DSN-MUI sebagai rujukan wajib dalam penerapan prinsip syariah di pasar modal Indonesia. Penelitian ini menyimpulkan bahwa harmonisasi antara otoritas fatwa (DSN-MUI) dan regulator (OJK) menjadi faktor kunci kesuksesan pengembangan pasar modal syariah di Indonesia, meskipun masih terdapat tantangan terkait threshold financial screening, dinamika status syariah saham, dan gap literasi yang memerlukan perbaikan berkelanjutan.
Implementation of Good Corporate Governance (GCG) Sharia in Maintaining the Sustainability of Commercial Banks in Indonesia Maulida, Reska; Safira, Isti; Fuadi, Fatih; Iqbal, Muhammad
Neo Journal of economy and social humanities Vol 4 No 4 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i4.375

Abstract

This study aims to analyze the causal relationship between the implementation of Sharia good Corporate Governance and the long-term operational resilience of Sharia commercial banks, as well as integrating Islamic ethical concepts such as Ihsan and Maqashid Sharia into GCG performance measurement models. This study uses a normative-juridical-qualitative approach that is reinforced by quantitative-descriptive content analysis. The normative approach focused on the evaluation of the regulatory framework and the theological foundation, while the empirical analysis referred to the data of Sharia commercial banks operating in Indonesia for the period 2014-2023. Research shows that effective implementation of Sharia GCG contributes significantly to profitability (ROA) and operational resilience. The Sharia Supervisory Board (DPS) serves as a pillar of integrity with strict legal accountability. Banks that apply the Ihsan principle perform voluntary disclosure, which creates superior Trust Capital. However, the main challenge lies in the substantive implementation due to personal involvement and cultural challenges such as mental corruption. Good Sharia Corporate Governance is a non-negotiable prerequisite for the sustainability of Sharia commercial banks in the financial, ethical, and social dimensions. The effectiveness of Sharia Good Corporate Governance positions the bank to meet the dual objectives of mundane and ukhrawi accountability, with ethical transparency and Islamic Social Reporting (ISR) reporting as an important instrument in maintaining stakeholder trust.
Co-Authors ahmad habibi Bahrudin, Moh. Fuadi, Fatih Muhammad Iqbal Muhammad Iqbal Fasa Safira, Isti Syamsul Hilal