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All Journal Jurnal Kepastian Hukum dan Keadilan HISABUNA: Jurnal Ilmu Falak
Oktaviana, Selvi
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Religion Astronomy Earth & Planetary Sciences Law, Crime, Criminology & Criminal Justice Physics Social Sciences

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Legalitas Akad Mudharabah dalam Platform Digital Syariah Aprilianti, Aprilianti; Nurlaili, Elly; Oktaviana, Selvi; Nurhasanah, Siti; Kasmawati, Kasmawati
Jurnal Kepastian Hukum dan Keadilan Vol 7, No 2 (2025): Desember 2025
Publisher : Universitas Muhammadiyah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/khk.v7i2.10480

Abstract

Perkembangan teknologi finansial berbasis digital (fintech syariah) membawa perubahan mendasar terhadap praktik transaksi keuangan syariah, termasuk dalam pelaksanaan akad mudharabah yang kini dapat dilakukan secara daring melalui platform digital. Transformasi ini menimbulkan persoalan hukum mengenai keabsahan akad yang dilakukan secara elektronik dan kesesuaiannya dengan prinsip-prinsip hukum Islam. Penelitian ini bertujuan untuk mengkaji legalitas akad mudharabah dalam platform digital syariah ditinjau dari perspektif hukum positif dan hukum Islam. Penelitian ini menggunakan metode hukum normatif dengan pendekatan perundang-undangan (statute approach) dan konseptual (conceptual approach), melalui penelusuran terhadap Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UU ITE), Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah, serta Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) Nomor 116/DSN-MUI/IX/2017 tentang Layanan Keuangan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah. Hasil kajian menunjukkan bahwa secara hukum positif, kontrak elektronik dalam platform digital memiliki kekuatan hukum yang sah sepanjang memenuhi unsur kesepakatan para pihak, objek yang halal, serta dilakukan dengan sistem keamanan yang dapat dipertanggungjawabkan. Dari perspektif hukum Islam, akad mudharabah digital dinyatakan sah apabila terpenuhi unsur rukun dan syarat akad, yaitu adanya ijab dan qabul, kejelasan nisbah bagi hasil, serta kehalalan kegiatan usaha yang dibiayai. Aspek transparansi, keadilan, dan pengawasan syariah masih menjadi permasalahan dalam menjamin kemurnian prinsip mudharabah di ruang digital. Penelitian ini merekomendasikan pentingnya pembentukan norma hukum turunan yang lebih spesifik untuk mengatur legalitas akad mudharabah digital, guna memberikan kepastian hukum, perlindungan konsumen, dan menjaga kesesuaian transaksi dengan maqasid syariah dalam ekosistem fintech syariah Indonesia
PARTISIPASI PEREMPUAN DALAM PROSES RUKYAT HILAL UNTUK PENENTUAN AWAL BULAN HIJRIYAH DI KOTA MAKASSAR Oktaviana, Selvi; Laman, Ilham
HISABUNA: Jurnal Ilmu Falak Vol 6 No 1 (2025): Maret 2025
Publisher : Universitas Islam Negeri Alauddin Makassar

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Abstract

Abstract This research discusses women's participation in the Rukyat Hilal process to determine the start of the Hijriyah month in Makassar City. This research uses research (field research) using qualitative methods. The approach used by the author is a syar'i approach and a sociological approach. According to the data source, the data in this research is divided into two data, namely primary data and secondary data. Women's participation in the rukyat Hilal process in Makassar City shows a variety of views, with some opinions supporting women's participation without exception, while others highlight individual abilities and capacities rather than just gender. The public's perception of women's participation in the rukyat Hilal process in Makassar City shows an inclusive attitude towards gender roles in religious activities. The community sees women's participation as a positive step to broaden understanding about determining the start of the Hijriyah month, without being limited by gender factors. Supporting factors for women's participation in the Hilal rukyat process include a high level of education, increased gender awareness, women's leadership in religious communities, and an inclusive religious mindset. However, there are also inhibiting factors such as traditions and social norms, lack of awareness of women's rights, gender discrimination, and an imbalance of power between men and women in religious structures. The implication of this research is to further support women's participation in the rukyat Hilal process such as raising awareness and wider education on women's rights and the importance of gender inclusion in religious activities and supporting women's leadership development in religious communities by providing equal opportunities to participate in decision-making and important roles in the rukyat Hilal process.
Co-Authors Aprilianti Aprilianti Elly Nurlaili laman, ilham Siti Nurhasanah