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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah International Journal Mathla'ul Anwar of Halal Issues JSE: Jurnal Sharia Economica
Novika, Aulia
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Industrial & Manufacturing Engineering Medicine & Pharmacology Social Sciences

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ETIKA PEMBENTUKAN HARGA DAN PRAKTIK EKSPLOITATIF DALAM PEMIKIRAN AL-GHAZALI Novika, Aulia; Waluyo, Agus
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/65cty487

Abstract

Price is a central element of the market mechanism that functions not only as a determinant of exchange value but also carries broad social implications. In practice, prices are often distorted by various exploitative practices, causing markets to lose their function of fairness. This article is situated within the discipline of Islamic economics and aims to analyse the ethics of price formation and practices of market exploitation in Al-Ghazali’s thought. The study employs a qualitative approach using a library research design. Data are collected through an examination of primary sources in the form of Al-Ghazali’s works, particularly Iḥyā’ ‘Ulūm al-Dīn, as well as secondary sources consisting of relevant contemporary academic journals and books. The analysis is conducted using a normative–critical approach, with principles of justice and public welfare (maslahah) serving as the main analytical framework. The findings indicate that Al-Ghazali conceives the market as a moral institution and views price as a reflection of the ethical quality of the relationship between sellers and buyers. Practices such as riba, ihtikar, tadlis, and ghaban are understood as forms of distortion of just pricing. The theoretical contribution of this article lies in its affirmation of market exploitation as a problem of price ethics rather than merely a technical economic violation. These findings provide an important normative foundation for understanding market justice from the perspective of Islamic economics. Keywords: Al-Ghazali; Ethics; Market Justice; Market Exploitation
KONSEP RASIONALITAS KONSUMSI MUSLIM Novika, Aulia; Bawono, Anton
International Journal Mathla’ul Anwar of Halal Issues Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Mathla’ul Anwar Banten

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Abstract

Era of globalization has reshaped the consumption patterns of Muslim communities. This study aims to examine the rationality of Muslim consumption from the perspective of Islamic economics, particularly through the principle of halalan thayyiban. A qualitative approach was employed, relying on a literature review of recent journals and reports on Islamic economics. The findings indicate that modern Muslim consumers consider not only economic factors but also spiritual, moral, and social values when making consumption decisions. The principle of halalan thayyiban serves as a standard of Islamic rationality, balancing worldly needs with spiritual orientation. Nevertheless, the implementation of this principle faces challenges from consumerist culture, social media influence, and limited access to information within households. Awareness of religious values, nutritional literacy, and social support are crucial for maintaining consistency in Islamic consumption practices. This study recommends adopting a new paradigm for evaluating Muslim consumption rationality that emphasizes welfare, ethical integrity, and spiritual blessing.
SKEMA MULTIAKAD PADA KARTU KREDIT SYARIAH Novika, Aulia; Bahjatulloh, Qi Mangku
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.29934

Abstract

Perkembangan produk keuangan syariah di Indonesia mendorong lahirnya kartu kredit syariah sebagai instrumen pembayaran nontunai modern yang mengintegrasikan beberapa akad (multiakad), yaitu ijarah, kafalah, dan qardh. Berbeda dengan penelitian sebelumnya yang berfokus pada satu akad atau kartu kredit konvensional, penelitian ini mengkaji implementasi multiakad secara komprehensif dalam kartu kredit syariah serta kesesuaiannya dengan prinsip syariah, seperti transparansi, keadilan, dan perlindungan harta (hifz al-mal). Penelitian ini bertujuan menganalisis sinergi antarakad, mekanisme biaya dan kompensasi, serta dampak sosial-ekonomi kartu kredit syariah bagi pengguna dan lembaga keuangan. Metode penelitian yang digunakan adalah kajian pustaka deskriptif-analitis terhadap jurnal akademik, fatwa syariah (DSN-MUI), dan publikasi relevan. Hasil penelitian menunjukkan bahwa akad ijarah menghasilkan pendapatan melalui biaya jasa, kafalah berfungsi sebagai mekanisme penjaminan dengan kompensasi yang diperbolehkan, dan qardh menyediakan pembiayaan tanpa bunga sehingga memperkuat kepatuhan syariah. Selain itu, biaya keterlambatan pembayaran (ta’widh) dialokasikan untuk program sosial yang bermanfaat. Implikasi kebijakan menekankan pentingnya transparansi biaya, manajemen risiko yang efektif, dan edukasi pengguna guna meminimalkan risiko utang berlebihan. Penelitian ini berkontribusi pada pengembangan sistem pembayaran syariah yang adil, efisien, dan bertanggung jawab secara sosial. Kata kunci: kartu kredit syariah, multiakad, ijarah, kafalah, qardh
Co-Authors Agus Waluyo, Agus Anton Bawono Bahjatulloh, Qi Mangku