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Dida Novandika
UIN Syarif Hidayatullah Jakarta, Indonesia
Social Sciences

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IJARAH AND THE SHARING ECONOMY: A FIQH AL-MUAMALAT PERSPECTIVE ON THE PHENOMENON OF DIGITAL RENTALS IN THE PLATFORM ERA Dida Novandika; Muhamad Zen
J-MD Jurnal Manajemen Dakwah Vol. 6 No. 1 (2025): JMD
Publisher : Program Studi Manajemen Dakwah, FUAD, IAIN Pontianak

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Abstract

This study examines the application of the ijarah contract within the digital sharing economy, focusing on platforms such as Gojek, Grab, and Airbnb. Employing a systematic literature review and qualitative content analysis, the research investigates academic literature, DSN-MUI fatwas, Financial Services Authority (OJK) regulations, and normative principles of the Qur’an. The findings indicate that the ijarah contract remains relevant in digital economic practices but faces critical challenges, including uncertainty (gharar), information transparency, and consumer protection. The variant Ijarah Muntahiyah bi al-Tamlik (IMBT) is considered more adaptive for long-term digital transactions, as it provides ownership certainty at the end of the contract. DSN-MUI Fatwas No. 112/2017 and No. 117/2018 offer normative legitimacy, while OJK regulations strengthen legal certainty, transparency, and consumer protection. Contemporary research (Muhamad Zen, 2021; 2022) further highlights the importance of clear objects, pricing, duration, and dispute resolution mechanisms. These results are consistent with the Qur’anic principle in Q.S. Al-Qaṣaṣ [28]:26, emphasizing al-quwwah (competence) and al-amānah (trustworthiness) as ethical foundations. This study contributes to the development of contemporary fiqh muamalah by integrating classical theory, fatwas, regulations, and digital practices. Practical implications include strengthening contract transparency in digital platforms, designing Sharia-compliant tax regulations, and improving consumer protection mechanisms.
Transforming Islamic Finance through Leadership: K.H. Ma'ruf Amin’s Contribution to Inclusive Financial Institutions in the Digital Era Hari Risky Syahputra; Muhammad Firdaus; Dida Novandika
J-MD Jurnal Manajemen Dakwah Vol. 6 No. 2 (2025): JMD
Publisher : Program Studi Manajemen Dakwah, FUAD, IAIN Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/zhrpd148

Abstract

This study examines the strategic leadership of Prof. Dr. K.H. Ma’ruf Amin in shaping the foundations of Islamic financial institutions in Indonesia. As a leading Islamic scholar and former Chairman of the Indonesian Ulema Council (MUI), Prof. Amin played a pivotal role in initiating and legitimizing fatwas that became the legal basis for the operations of Islamic banking and financial institutions. His leadership within the National Sharia Council (DSN-MUI) ensured the consistent application of Sharia principles across financial products and services, strengthening institutional trust and regulatory compliance. Using a qualitative descriptive approach, this research explores his ideas, policies, and leadership style in promoting the integration of Islamic finance into the national financial framework. The novelty of this study lies in its focus on the intersection between religious leadership and institutional transformation within the context of Indonesia’s digital-era Islamic finance development a perspective rarely addressed in existing literature. The findings indicate that Prof. Amin’s leadership model has been crucial in mainstreaming Islamic finance as part of Indonesia’s national economic system. The implications suggest that his approach provides a replicable framework for other Muslim-majority nations aiming to harmonize religious authority, policy-making, and financial innovation in advancing inclusive and ethical financial ecosystems.
Transforming Public Sector Performance through Total Quality Management: The Role of Transformational Leadership and Digital Integration in Indonesia Dida Novandika; Hari Risky Syahputra; Mohammad Fahmy Bin Rapaee; Nuriyah Nuriyah
J-MD Jurnal Manajemen Dakwah Vol. 6 No. 2 (2025): JMD
Publisher : Program Studi Manajemen Dakwah, FUAD, IAIN Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/v1kenc52

Abstract

The study investigates how Total Quality Management (TQM) principles specifically customer focus, process orientation, and continuous improvement are applied within Indonesia’s public sector. It explores how transformational leadership and digital integration influence the effectiveness of TQM implementation in enhancing public service performance. Despite numerous policy initiatives to adopt TQM in Indonesia’s public institutions, the outcomes remain inconsistent. Rigid bureaucratic structures, limited resources, and weak organizational quality culture continue to impede effective implementation. There is limited empirical understanding of how leadership style and digitalization interact to support sustainable TQM adoption in developing-country contexts. This research employs a descriptive qualitative design using document analysis. Data were collected from government reports, regulatory frameworks, standard operating procedures (SOPs), and relevant scholarly literature. NVivo software was used to code and analyze themes related to leadership commitment, process management, and digital transformation in public organizations. The findings indicate that agencies with strong transformational leadership and data-driven processes demonstrate measurable improvements in efficiency and citizen satisfaction. However, widespread implementation remains hindered by bureaucratic inertia and lack of technological capacity. Digital integration significantly supports real-time performance monitoring, transparency, and continuous improvement initiatives. This study emphasizes the need for leadership development, sustained employee training, and technology infrastructure investment to institutionalize quality culture in the public sector. The results provide actionable insights for policymakers to align TQM principles with e-governance strategies to improve service delivery. This paper contributes a new integrative framework combining transformational leadership and digital transformation within the TQM model for developing countries. It advances the discourse by linking leadership behavior, technological capability, and organizational adaptability as synergistic enablers of sustainable quality management in the public sector. Keywords: Total Quality Management; public sector; transformational leadership; continuous improvement; information technology.
Co-Authors Hari Risky Syahputra Mohammad Fahmy Bin Rapaee Muhamad Zen Muhammad Firdaus Nuriyah Nuriyah