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Al-Amwal : Journal of Islamic Economic Law
Published by Institut Agama Islam Negeri Palopo
ISSN : 25410105     EISSN : 25413910     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other
Al-Amwal, p-2541-0105, e-2541-3910, Journal of Islamic economic law is peer-reviewed journal published by The Faculty of Syariah, Institut Agama Islam Negeri Palopo. Al Amwal focus on the research of Islamic Economic Law. The journal is issued twice a year on March and September. The aims of the journal is to explore and develop economics related to Islamic Law.
Arjuna Subject : -
Articles 191 Documents
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Sharia Enterprise Theory: Integration of The Concept of Trust in The Amil Zakat Institution Ahmad Zikri Dwiatmaja; Muhammad Danial Tompson; Saiful Muchlis
Al-Amwal : Journal of Islamic Economic Law Vol. 9 No. 2 (2024): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v9i2.6090

Abstract

Purpose - Zakat is one of the pillars of Islam that is very important, functioning as the main instrument in realizing trust and improving the welfare of the people. In order for the noble goal of zakat to be achieved, zakat management needs to be carried out in a professional and good way (good zakat governance), which means that zakat must be managed systematically in accordance with Islamic sharia principles. The management of zakat must include aspects of trust, utility, justice, legal certainty, integration, and accountability. Method - This research uses a qualitative approach with a literature study that examines various sources related to Sharia Enterprise Theory integrated with the concept of trust and its application in amil zakat institutions. Result - The results of the study show that the application of this theory is in accordance with the role of humans as khalifatullah fil ardh, who is tasked with creating and distributing welfare for humanity and nature. Thus, Sharia Enterprise Theory is a development of Enterprise Theory that has been integrated with Islamic values, resulting in a more transcendental and humanist theory. In the perspective of Sharia Enterprise Theory, stakeholders consist of God, humans, and nature, with God as the supreme party that is the goal of human life. Humans as caliphs on earth have a mission to create and distribute prosperity for all creatures and the universe. The problem that still exists is that there are still many people who do not fully understand the importance of trust in managing zakat. Sometimes, zakat amil institutions feel pressured to achieve high zakat collection targets, thereby ignoring the principles of trust. Implication - Implementing the trust concept is an ongoing process. It requires a strong commitment from all parties involved to realize better and more beneficial zakat management for the community.
Pemanfaatan Harta Kekayaan yang Diperoleh Secara Ilegal: Tinjauan Hukum Islam Sabaruddin; Kurniati; Mustafa, Zulhas' ari; Wahyudi, Feri Eko; Kulle, Haris; Firmansyah
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 1 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v10i1.7196

Abstract

Purpose  – Wealth is an essential and fundamental aspect of human life. It not only plays an important role in sustaining life, but also serves as a means to achieve prosperity and happiness, both in this world and in the hereafter. Although the Qur'an explicitly prohibits the acquisition of wealth through unlawful means, violations of this provision still occur frequently. In fact, seeking halal livelihood is an obligation for every Muslim. Therefore, it is important to conduct in-depth research on sources of income that are haram, so that they can be avoided, while also examining the perspective of Islamic economics in managing haram wealth for those who are already involved and wish to purify it. Method – This study uses a normative-descriptive method with a sociological-legal approach. Data collection was conducted through literature study by examining various relevant sources, such as fiqh books, scientific journals, fatwas from scholars, and previous research results. Result – The results of the research show in Islamic jurisprudence, unlawful wealth refers to assets acquired through forbidden means, such as gambling, oppression, usury, theft, corruption, or the sale of prohibited goods, as explicitly forbidden by the Quran and Hadith. The management of illicit wealth in the context of Islamic economics must be based on the principles of justice, purification, and divine trust (istikhlāf). Scholars such as al-Ghazālī, Ibn Qudāmah, Wahbah al-Zuḥaylī, and Yūsuf al-Qaraḍāwī agree that wealth obtained unlawfully must be returned to its rightful owner. If the owner is unknown, then the wealth must be allocated for the public good. Therefore, individuals, groups, and governments are obliged to manage unlawful wealth in a manner that brings public benefit and is in accordance with divine justice. Implication – As a practical implication these Islamic legal principles is that Muslims are strictly obligated to cleanse their finances of unlawfully acquired wealth, primarily by returning it to its rightful owner or, failing that, by dedicating it to public good, preferably, the government should establish an institution to facilitate this.
National Commitment and Tolerance as a Determinant Factor of Happiness abdullah, Muh. Ruslan; Sabani, Akbar; Saleh Ridwan, Muhammad
Al-Amwal : Journal of Islamic Economic Law Vol. 9 No. 2 (2024): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v9i2.8159

Abstract

Purpose - This research aims to analyze National Commitment and Religious Tolerance as a factor in shaping people's happiness in Palopo City and analyze the comparison of happiness between the Muslim majority and Christian minority communities in Palopo City. Method - This research uses quantitative research using a questionnaire distributed to 200 respondents. Data were analyzed using SEM PLS. Result - The research results show that national commitment and tolerance have a positive effect on people's happiness in Palopo City. Apart from that, the results of this research show that the happiness of Christian communities is higher than that of Muslim communities in Palopo City. Implication - Policy and Governance Implications, Promoting National Commitment for Well-being: The research demonstrates that national commitment has a significant positive effect on people's happiness. This implies that government and national programs aimed at strengthening Indonesian national values (such as Pancasila and the 1945 Constitution ) should be prioritized as they are foundational to fostering religious moderation and, consequently, improving community happiness levels.
A Study of DSN-MUI Fatwa No. 153/2022 concerning Discounts on Early Settlement of Murabahah Financing, Sajad, Ali; Lathif, Ah. Azharuddin; Habibaty, Diana Mutia
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 1 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v10i2.8023

Abstract

Purpose - This study was conducted to clarify common misconceptions in understanding the distinction between the time value of money theory and the economic value of time theory in relation to DSN Fatwa No. 153/DSN-MUI/VI/2022 on the Early Settlement of Murabahah Financing, particularly with reference to the fiqih principle inna li al-zamani hisshotan min al-tsaman. Methods - This research constitutes a library study employing a normative approach in examining statutory regulations, scholarly books, classical fiqh works, DSN-MUI fatwas, and other relevant literature pertaining to the subject of this thesis. A descriptive analytical method was applied to elaborate on the central theme, providing an in-depth explanation based on the facts identified by the researcher. Results - The results of the research show that DSN’s Fatwa No. 153/DSN-MUI/VI/2022—specifically the fiqh principle inna li al-zamani hisshotan min al-tsaman—accommodates the theory of the economic value of time, rather than the time value of money. This conclusion is substantiated through a comparative analysis of several aspects shared between the economic value of time theory and the fiqih principle, namely: the role of money, the role of time, tangible assets/real effort, the distinction between cash and deferred prices, the practice of discounts, and the moral/maslahah dimension. Implications - As a practical implication, the results of this research can be used as a reference for the wider public and, more specifically, for financial practitioners, in order to avoid misinterpretations regarding the distinction between the time value of money and the economic value of time. Such understanding is essential to accurately identify which theory is accommodated within the fiqh maxim inna li al-zamani hisshotan min al-tsaman as reflected in DSN Fatwa No. 23/DSN-MUI/III/2002 on Discounts for Early Settlement of Murabahah Financing.
The Meaning of Consuming Halal Products According to Muslim Millennial Generation in Realizing Of Maqasid Sharia “Maslahah” Mursal, Mursal -; Fauzi, Muhammad; Rakhmat Putra, Alan; Mahdi, Al
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 2 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v10i2.6485

Abstract

Purpose  – This study aims to explore the meaning of the concept of halal product consumption by millennial Muslims as part of their identity and lifestyle. The main focus is to understand how millennial Muslims interpret halal product consumption not only as a religious rule but also as a symbol of quality, and social identity. Method – The research method used is quantitative and qualitative, qualitative data collection using in-depth interviews with 10 informants and supported by survey data from 70 millennial Muslim generation respondents with purposive sample techniques. The respondents came from students of the Sharia Faculty of IAIN Kerinci, Study Program "Islamic Law and Sharia Economic Law", semester 7 and above. The population was 120 students using a questionnaire instrument with 10 question items. The data were analyzed to identify the main themes related to the meaning of the concept of halal product consumption in everyday life Result –The results of the study show that millennial Muslims have a broader meaning of halal, including aspects of sustainability, ethics, and health. Halal is no longer limited to food, but has become a lifestyle that includes the beauty, fashion, and financial sectors. This generation sees halal products as a marker of identity, allowing them to express their religious commitment in modern society. In addition, halal is also seen as a symbol of quality and safety that provides a sense of comfort in social interactions, thus attracting both Muslim and non-Muslim consumers. Implication – As a practical implication, the results of this study can be used as one of the information for halal industry researchers. This study provides a picture that halal has transformed into a symbolic direction and is in the midst of society.
Evaluating The Effectiveness : A Legal Protection for Child Victims of Economic Exploitation in Informal Street Labor in Indonesia Aulia, Dzikrina; Rahaditya
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 2 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract Purpose  – This study evaluates the effectiveness of legal protection for children who are victims of economic exploitation in street environments based on Law Number 35 of 2014 concerning Child Protection. The research addresses the ongoing gap between legal norms and their implementation, which results in insufficient protection for street children. Method –  A socio-legal approach was employed by integrating literature review, semi-structured interviews, and field observations. Data were analyzed qualitatively using Philipus M. Hadjon’s theory of legal protection and Soerjono Soekanto’s theory of legal effectiveness to examine how legal instruments operate in practice and how institutional coordination influences child protection efforts. Result – The findings show that although child protection regulations in Indonesia are normatively strong, their implementation remains ineffective. Weak inter-agency coordination, a shortage of social workers, and low public awareness significantly hinder efforts to prevent and address economic exploitation in street environments. These limitations prevent the realization of the best interest of the child. Implication – The study emphasizes the need to strengthen institutional capacity, improve coordination among agencies, expand the number of professional social workers, and enhance public awareness regarding child protection. It also highlights the importance of integrating restorative justice approaches to ensure holistic recovery for child victims. This study makes a practical contribution by recommending the strengthening of inter-agency coordination, increasing the number of professional social workers, and integrating restorative justice approaches to ensure holistic recovery for child victims.
Jaminan Produk Halal Terhadap Usaha Ayam potong di RPA PT Kinawa Multi Tech Andini, Tiara; Dirah Nurmila SIliwadi; Firman Muhammad Arif
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 2 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v10i2.6752

Abstract

Penelitian ini bertujuan guna mengetahui dan memahami proses awal PT Kinawa Multi Tech dalam memperoleh sertifikasi halal, mengidentifikasi kendala utama yang dihadapi, serta membandingkan faktor penghambat yang mungkin juga dialami oleh RPA lain di Kota Palopo. Jenis penelitian ini adalah penelitian hukum empiris. Pendekatan penelitian yang digunakan adalah perbandingan dan perundang-undangan. Subjek/informan pada penelitian ini adalah pemilik RPA dan para konsumen. Teknik pengumpulan data yang digunakan adalah teknik observasi, wawancara, dan dokumentasi. Tahapan analisis data yaitu reduksi data, penyajian data, dan penarikan kesimpulan dari penelitian ini. Hasil penelitian menunjukkan bahwa: Pertama, Proses sertifikasi halal di RPA PT. Kinawa Multi Tech dilakukan dengan memenuhi persyaratan lembaga sertifikasi halal, mencakup pemeriksaan dokumen, audit lapangan, dan verifikasi standar halal. Untuk memastikan kepatuhan, perusahaan menerapkan sistem produksi terstruktur, memisahkan area kerja, serta meningkatkan kebersihan dan sanitasi guna mencegah kontaminasi silang. Kedua, berdasarkan hasil observasi dan wawancara Kendala utama dalam pengurusan sertifikasi halal di PT. Kinawa Multi Tech mencakup aspek administratif, biaya sertifikasi, dan penyesuaian standar halal. Selain itu, kurangnya pemisahan area kotor dan bersih meningkatkan risiko kontaminasi silang, sehingga menghambat kepatuhan terhadap standar kehalalan.
An Investor Protection in Cases of Sharia-Labeled Bogus Investments: A Study of Sharia Economic Law and Financial Services Authority Mashuddin, Aeky Rezkiah Fattah; Meriska
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 1 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Purpose  –  This study aims to analyze the legal protection mechanisms for victims of bogus investments labeled as sharia from the perspective of Islamic Economic Law and to assess the effectiveness of regulations issued by the Financial Services Authority (OJK) in preventing and addressing illegal investment practices. The novelty of this research lies in its cross-case comparative analysis including PT CSI, Dream for Freedom (D4F), Abu Tours, GTIS, First Travel, and Pandawa which demonstrates that sharia-labeled bogus investments are not random incidents but constitute a systematic pattern of deception exploiting sharia attributes, low literacy levels, and regulatory gaps. This comparative approach has rarely been applied in previous studies, thereby providing a deeper understanding of the structural nature of bogus investment schemes operating under a sharia label. Method –  This study employs a qualitative method with an empirical approach to provide an in-depth description of the legal protection mechanisms for victims of bogus investments labeled as sharia-based. Primary data were obtained through in-depth interviews with OJK officials, law enforcement officers, academics, and victims, while secondary data were collected through document analysis of relevant regulations. The data were analyzed to identify patterns of legal protection, the effectiveness of OJK’s supervisory framework. Result – The findings of the research indicate that bogus investments labeled as sharia-compliant fundamentally violate the principles of Islamic Economic Law because they contain elements of gharar (uncertainty), maysir (speculation), and tadlis (deception), while also exploiting the low level of financial and sharia literacy within society. The study also found that regulations and oversight by the Financial Services Authority (OJK) including education, literacy programs, legality verification, and enforcement through the Investment Alert Task Force have played a role in providing both preventive and repressive legal protection.  Implication – As a practical implication, the effectiveness of these protections remains limited by regulatory gaps, OJK’s restricted authority over illegal entities, and the increasing complexity of bogus schemes. In addition, interview results show that synergy between OJK, the police, and the Sharia Supervisory Board still needs to be strengthened to maximize the restoration of victims’ rights and prevent similar cases in the future.
Pluralisme Hukum dalam Pengelola ANALISIS HISTORIS DAN YURIDIS TERHADAP PENGELOLAAN WAKAF LAHAN DI KESULTANAN SAMBAS KALIMANTAN BARAT Lusiana, Vinna
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 2 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v10i2.8543

Abstract

Abstract Purpose – This study addresses the Legal-Functional Paradox in land waqf management within the Sambas Sultanate, West Kalimantan. Over 78% of historical waqf assets face legal vulnerability due to the fundamental discrepancy between the living law (oral/customary waqf) and the formal state law (Law No. 41/2004). The research aims to (1) describe empirical waqf practices; (2) analyze structural constraints (legal dualism, geographic challenges, and Nadzir's cultural-managerial resistance); and (3) formulate the sustainable and integrative Sambas Sultanate Land Waqf Management Model (MPWK-KS). Method – Utilizing a Juridical-Empirical approach, this qualitative research deconstructs the existing legal gap and legal pluralism. Data were collected via purposive sampling from 12 key informants (Sultan/representative, hybrid Nadzir, BWI/BPN officials) through in-depth interviews, participatory observation, and archive documentation. Analysis employed the Miles & Huberman interactive analysis, critically synchronizing field findings with Maqāṣid al-Sharī‘ah principles, particularly Hifẓ al-Māl (preservation of wealth). Result – Key findings indicate that the primary constraints are the deep cultural-juridical resistance of the Nadzir (91% untrained in PSAK 112 compliance) and a highly inefficient BPN certification process (minimum 102 days) due to bureaucracy and geographic barriers. MPWK-KS is formulated as a hybrid governance framework that integrates the Sultan's spiritual authority with the BWI Nadzir's professional capability. The central novelty is the Fast Track Legalization pillar, recognizing the Sultanate’s Decree as a Novum Hukum (New Legal Basis) for pre-certification, thus enabling productive waqf development. Implication – As a practical implication, MPWK-KS must be operationalized through a Joint Regulation (Perber) between the Sambas Sultanate, BWI, and the Ministry of ATR/BPN. This Model serves as a vital national prototype for the reconciliation of laws within the context of Legal Pluralism, transforming non-formal waqf assets into legal, accountable social capital that comprehensively strengthens the Islamic identity of the Sambas Malay community.
English: English Idris, Miftah; Muhammad, Danang Wahyu
Al-Amwal : Journal of Islamic Economic Law Vol. 10 No. 2 (2025): Al-Amwal : Journal of Islamic Economic Law
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v10i2.8659

Abstract

Purpose – The purpose of this study is to analyze the evolution of Alternative Dispute Resolution (ADR) in resolving sharia insurance disputes in Indonesia, as well as to identify global research trends, allocations for scientific investigation, and practical implications. This study not only maps these developments but also provides a structured understanding of the conceptual and procedural evolution of ADR. This contribution offers researchers, policymakers, and practitioners a clearer foundation for improving dispute resolution mechanisms in the sharia insurance sector. Method – The research employs normative legal methodology, incorporating a Systematic Literature Review (SLR) and bibliometric analysis. This approach involved the selection of 16 articles from the Scopus database, utilizing VOSviewer and Bibliometrix software to map scientific advancements and interconnections among research topics. Result – The findings demonstrate a notable rise in publications related to ADR and insurance since 2020, with a primary focus on mediation mechanisms, arbitration, ex gratia, sharia dispute resolution, and the integration of Online Dispute Resolution (ODR). The research identified the necessity for regulatory reform of the Financial Services Sector Alternative Dispute Resolution Institution (LAPS SJK) and the establishment of a hybrid ADR-ODR model to enhance fairness, efficiency, and legal certainty within the insurance industry Implication – These findings enhance the understanding of how ADR innovations can tackle systemic challenges in sharia insurance dispute resolution and contribute evidence-based recommendations for legal and institutional reform.

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