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All Journal El-Faqih : Jurnal Pemikiran dan Hukum Islam Al-Kharaj: Journal of Islamic Economic and Business Serambi Tarbawi SHIBGHAH: Journal of Muslim Societies Lentera:Indonesian Journal of Multidisciplinary Islamic Studies JOURNAL SCIENTIFIC OF MANDALIKA (JSM) MAQASIDI Qonun Jurnal Hukum Islam dan Perundang-Undangan Jurnal Multidisiplin West Science Syura: Journal of Law AL-UKHWAH ILJS Hadara : Journal of Da'wah and Islamic Civilization
Nurkhalis Muchtar
Institut Ilmu Al-Qur’an (IIQ) Jakarta
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Perlindungan Konsumen Digital: Analisis Praktik Paylater Dalam Perspektif Ekonomi Islam di Indonesia Riko Haryanto; Nadjematul Faizah; Abdul Rachman; Nurkhalis Muchtar
Jurnal Multidisiplin West Science Vol 5 No 06 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i06.3518

Abstract

Ekonomi digital merupakan suatu fenomena saat ini yang berkembang pesat di Indonesia, hal tersebut membuat adanya kenaiakan dalam penggunaan Paylater, dengan nilai penyaluran mencapai Rp146,99 miliar per Agustus 2025. Meskipun tingkat wanprestasi tergolong rendah (0,89%), risiko tersebut terkait transparansi dan perlindungan konsumen tetap bertahan. Penelitian ini mengevaluasi antara regulasi dengan implementasi teknis yag ada biaya layanan serta praktik penagihan utang. Menggunakan penelitian hukum normatif dengan pendekatan perundang-undangan, konseptual, dan teleologis, analisis dilakukan melalui dekonstruksi dan studi dokumentasi. Temuan penelitian mengungkapkan adanya masalah hukum; terkait rendahnya angka gagal bayar bersumber dari praktik penagihan yang represif dan asimetri informasi. Terdapat ambiguitas substansial dalam penetapan keuntungan berdasarkan limit pembiayaan yang menyerupai Riba al-Fadl. Lebih lanjut, mekanisme "black box algorithm" memicu unsur Gharar dan Tadlis digital. Penelitian ini merekonstruksi model perlindungan konsumen melalui "Audit Syariah Digital Berkelanjutan", yang berfokus pada audit kode oleh OJK dan DSN-MUI untuk memastikan kepatuhan terhadap prinsip Hifdz al-Maal dan Hifdz al-Nafs. Rekonstruksi ini bertujuan untuk memastikan bahwa inovasi finansial selaras dengan nilai-nilai inti syariah dan memberikan kemaslahatan publik yang nyata.
Carbon Trading in Indonesian Based on Financial Services Authority Regulation Number 14 of 2023 Reviewed from Maqāṣid as-Syarī'ah and Green Economy Elsa Febiola Aryanti; Hidayat Hidayat; Nurkhalis Muchtar
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.8934

Abstract

Carbon trading is a strategic market instrument designed to reduce greenhouse gas (GHG) emissions in a measurable way. In Indonesia, this mechanism is regulated through Presidential Regulation No. 98 of 2021 and OJK Regulation (POJK) No. 14 of 2023. However, studies integrating ethical-religious aspects through Maqāṣid al-Sharī‘ah and the Green Economy paradigm remain limited. This research aims to analyze the integration of these two concepts within Indonesia's carbon trading system and evaluate the conformity of POJK No. 14 of 2023. The method employed is normative legal research with a qualitative content analysis approach. The findings indicate that: (1) carbon trading aligns with Maqāṣid al-Sharī‘ah in environmental protection (ḥifẓ al-bī’ah) through principles of justice and transparency; (2) carbon trading supports the Green Economy by internalizing environmental externalities into economic activities; and (3) POJK No. 14 of 2023 substantially accommodates Sharia values and sustainability. This integration serves as a vital foundation for a carbon trading system that is legally valid and provides spiritual and social benefits.
Istismar Zakat Funds in the Perspective of MUI Fatwa No. 4 of 2003: Implications For the Welfare of Mustahik Muhlisah Hanifati; Nurkhalis Muchtar; M. Dawud Arif Khan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11086

Abstract

This study aims to analyze in depth the Fatwa of the Indonesian Ulema Council (MUI) No. 4 of 2003 regarding the legality of the use of zakat funds for istismar activities (investment) and how it is implemented within the framework of the productive zakat utilization program at the Central National Amil Zakat Agency (BAZNAS). The main focus of this research includes deconstructing the understanding of the substance of fatwas, mapping implementation practices at the level of national zakat authorities, and projecting its impact on the escalation of mustahik welfare. Methodologically, this study applies a qualitative approach with a case study design through a structured interview method with policy makers at the Central BAZNAS and comprehensive documentation techniques. A normative juridical approach is applied to dissect secondary data and literature materials, which includes synchronization between national zakat laws and regulations and fatwas related to investment in religious social funds. An analysis was carried out on primary and secondary literature to present a holistic insight into zakat governance from the perspective of positive law and Islamic law. The results of the study revealed two fundamental findings: first, the Central BAZNAS institutionally has strategic potential in transforming zakat funds into productive investment instruments in accordance with the mandate of the fatwa to create economic added value. Second, even though the instruments and implementation plans have been carefully prepared, the Central BAZNAS has not officially executed the investment program until this research is completed. This phenomenon is in contrast to several BAZNAS at the regional level, such as West Java, which have accelerated through similar productive zakat programs. This emphasizes that the implementation of the istismar fatwa is highly dependent on the courage of institutional innovation, appropriate risk mitigation, and certainty of operational regulations.
Penerapan Teori Hirarki Norma dalam Transaksi Hukum Ekomoni Syariah Kontemporer Rakhmawati Rakhmawati; Nurkhalis Muchtar; Hafiz Maruf Akbar
QONUN: Jurnal Hukum Islam dan Perundang-undangan Vol. 10 No. 1 (2026)
Publisher : FASYA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/qj.v9i1.12695

Abstract

Penelitian ini secara umum ingin menghadirkan metode penggalian hukum, dengan memperhatikan norma nilai dalam setiap pengembangan produk-produk hukum Islam (the theory of value), yaitu menggali nilai-nilai universal dalam setiap perumusan hukum. Mengingat fiqh muamalah wa al iqtishad yang terafiliasi dalam fiqh klasik dapat dipastikan mengalami krisis of relevansi, sehingga sulit untuk diterapkan kontribusinya dalam memenuhi kebutuhan kontrak muamalah kontemporer. Maka dibutuhkan formulasi epistemologi hukum syariah dengan menghadirkan metodologi penggalian hukum melalui teori pertingkatan norma, yaitu al qiyam al asasiyyah (nilai-nilai dasar), prinsip-prinsip fundamental yang dikenal dengan al ushul al kulliyah, al ahkam furu’iyyah yaitu norma-norma hukum konkrit. Metode yang digunakan bersifat deskriptif kualitatif sedangkan pendekatan penelitian berbasis analisis yuridis normatif dengan mempertimbangkan nilai-nilai dasar pada produk hukum keuangan syariah. Hasil penelitian menunjukkan bahwa menghadirkan teori hirarki norma dapat mengembangkan hukum Islam yang kontekstual dengan menggali nilai-nilai dasar sebagai spirit keislaman, memberikan keleluasaan dalam mengembangkan produk-produk ekonomi di setiap instrumen keuangan syariah melalui sistem transaksi yang berkeadilan, keseimbangan ekonomi dan kepedulian terhadap sesama makhluk Allah.
Ijtihad and the Renewal of Islamic Law According to Yusuf Al-Qaradhawi and Ibrahim Hosen in a Contemporary Context Nurkhalis Muchtar; Rakhmawati Rakhmawati
Syura: Journal of Law Vol. 4 No. 1 (2026)
Publisher : Sekolah Tinggi Agama Islam (STAI) Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/syura.v4i1.1072

Abstract

he proliferation of legal questions arising from advances in science, technology, and globalisation has intensified the need to understand how Islamic jurisprudence responds to modernity. Although previous studies have examined individual scholars or specific methodological instruments, comparative analyses of contemporary frameworks for ijtihad and Islamic legal renewal remain limited. This study aims to examine the principal ideas of Yusuf Al-Qaradhawi and Ibrahim Hosen regarding ijtihad and tajdid, compare their methodological frameworks, and assess their contemporary relevance and applicability. Employing a descriptive qualitative approach, the study uses library research and systematic content analysis of relevant primary and secondary sources. The findings reveal that both scholars regard ijtihad as indispensable for addressing contemporary legal challenges, emphasise mastery of fiqh and usul al-fiqh as essential qualifications, and recognise collective ijtihad when individual expertise is insufficient. Al-Qaradhawi develops six forms of legal renewal and distinguishes between selective and creative ijtihad, whereas Ibrahim Hosen emphasises institutional and governmental dimensions of renewal. The study contributes a structured comparative framework that clarifies the convergence and divergence of both approaches and demonstrates how ijtihad can be systematically developed to respond to contemporary Muslim societies while maintaining Islamic legal principles, contextual relevance, inclusivity, and universal benefit.
Co-Authors Abdul Rachman Agus Nafi’ Dawud Arif Khan Elsa Febiola Aryanti Hafiz Maruf Akbar Hidayat Hidayat M. Dawud Arif Khan Muhlisah Hanifati Rakhmawati Rakhmawati Rakhmawati Rakhmawati Riko Haryanto