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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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Content Marketing Strategy in Building Brand Awareness of Skincare Products From The Perspective of Islamic Business Ethics (Case Study: Skintific) Adelia Marwa Ujung; Nurbaiti; Tri Inda Fadhila Rahma
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.v10i1.8812

Abstract

Purpose: This study aims to analyze the role of content marketing in building brand awareness of Skintific skincare products from the perspective of Islamic economic law, emphasizing that digital marketing practices must be both effective and compliant with the normative principles of fiqh muamalah. Method: A descriptive qualitative method is employed, collecting data through documentation of digital content and semi-structured interviews with two active Skintific resellers, namely Toko Missglam and Toko Underprice. Analysis is conducted using an Islamic economic law framework to evaluate content marketing practices based on Sharia principles, including honesty (ṣidq), transparency (tablīgh), trustworthiness (amānah), and justice (‘adl), as well as avoidance of deceptive practices (tadlīs) and uncertainty (gharar). Results and Discussion: The findings indicate that content marketing significantly enhances Skintific’s brand awareness through educational content, visual storytelling, and authentic consumer testimonials disseminated via social media. The study introduces a normative perspective, repositioning digital content marketing as a contemporary object of fiqh muamalah, moving beyond mere descriptive marketing analysis toward legal-ethical evaluation. Practices are considered Sharia-compliant as they provide clear and truthful product information and avoid exaggerated or misleading claims, thereby strengthening consumer trust. Implications: This study contributes to the discourse of Islamic economic law by positioning digital content marketing as a contemporary object of fiqh muamalah, offering a normative framework for assessing ethical compliance in modern digital marketing practices. It provides guidance for businesses and scholars on integrating Sharia principles into digital marketing strategies, particularly within the skincare industry.
An Employee Performance, Innovation, and Organizational Culture in The Perspective of Islamic Work Ethics and Maqāṣid al-Sharī‘ah (Evidence from PT Perkebunan Nusantara IV Sei Mangkei SEZ (Special Economic Zone), Indonesia Ridha Tri Handayani; Suhairi; Purnama Ramadani Silalahi
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.v10i2.8898

Abstract

Purpose  –  This study aims to analyze the influence of innovation, organizational culture, and burnout on employee performance at PT Perkebunan Nusantara IV Sei Mangkei. In addition, this research examines employee performance through the perspective of Islamic Work Ethics and maqāṣid al-sharī‘ah, emphasizing values of amanah, ihsān, responsibility, and balance in work practices. Method –  This study employed a quantitative approach using a survey method. Data were collected from 121 employees of PT Perkebunan Nusantara IV Sei Mangkei through structured questionnaires. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS to assess the relationships among innovation, organizational culture, burnout, and employee performance. Result – The findings indicate that innovation and organizational culture have a positive and significant effect on employee performance, while burnout does not show a significant direct effect. From the perspective of Islamic Work Ethics, employee performance is understood not merely as a managerial or productivity outcome, but as the fulfillment of amanah and moral responsibility. These results align with the objectives of maqāṣid al-sharī‘ah, particularly the protection of wealth (ḥifẓ al-māl), the protection of life (ḥifẓ al-nafs), and the preservation of human dignity, where innovation and a supportive organizational culture contribute to sustainable performance and employee welfare. Implication – This study contributes to the literature on Islamic economic law by demonstrating that employee performance in a Special Economic Zone is not merely a managerial outcome, but also an ethical and legal expression shaped by Islamic Work Ethics and the objectives of maqāṣid al-sharī‘ah. By integrating Islamic Work Ethics and maqāṣid al-sharī‘ah, the findings support the development of organizational policies that promote justice, balance, and employee welfare while sustaining performance and organizational continuity
Al-‘Urf and Al-‘Adah al-Muḥakkamah as The Methodology of Istinbāṭ of Islamic Law: A Thematic Analysis from The Perspective of Sharia Economic Law Mualim; Chaerul Shaleh; Aden Rosadi
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.v10i2.8943

Abstract

Purpose  –  This research aims to analyze the position and function of al-‘urf and al-‘ādah al-muḥakkamah as a methodology for Islamic legal istinbāṭ, particularly in the context of the development of Sharia Economic Law that is responsive to contemporary social dynamics and economic practices. This research begins with the epistemological question of the extent to which social customs can obtain sharia legitimacy in establishing modern muamalah law. Method –  The method used is qualitative research through library research with normative-juridical, philosophical, and comparative approaches to Islamic schools. Data are analyzed thematically against classical and contemporary sources of ushul fiqh, as well as Sharia economic law literature, to map the position of al-‘urf within the framework of the ijtihad methodology. Result – The results show that authentic al-‘urf has legal legitimacy if it meets the criteria of conformity with the maqāṣid al-syarīah, does not conflict with the qath’i texts, and is generally applicable and consistent in muamalah practices. A comparative study of Islamic schools of thought reveals that despite differences in the intensity of its acceptance, all Islamic schools of thought recognize al-‘urf as a valid instrument of ijtihad. In the realm of Islamic Economic Law, al-‘urf and al-‘ādah al-muḥakkamah have proven to play a strategic role in responding to contract practices, market customs, and modern transaction innovations. Implication – The implications of this research emphasize the importance of strengthening al-‘urf  as a methodology for legal istinbāṭ, not merely as a supplementary argument, to ensure that Islamic economic law remains adaptive, contextual, and oriented toward the welfare of the people.
Operational Delays in Automotive Service Contracts: A Fiqh Muamalah and Islamic Economic Law Analysis of an Ijarah Case Adriansah Simatupang; Nasution, Annio Indah Lestari; Atikah
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.v10i2.8956

Abstract

Purpose  – This study aims to examine the factors contributing to operational delays at Pak Tupang’s Car Repair Workshop in Airapa Village and to analyze their legal and ethical implications from the perspectives of fiqh muamalah and Islamic economic law. Specifically, the research focuses on evaluating the conformity of workshop practices with the principles of ijarah, Islamic work ethics, and maqāṣid al-sharī‘ah within the context of service-based contracts. Method – This research employs a qualitative approach with a normative–empirical case study design. Data were collected through direct observation, in-depth interviews with the workshop owner, employees, and customers, and documentation analysis. The collected data were analyzed thematically and interpreted using fiqh muamalah principles, Islamic work ethics, and maqāṣid al-sharī‘ah as the analytical framework.   Result and Discussion – The findings indicate that operational delays at Pak Tupang’s workshop are primarily caused by a shortage of skilled labor, manual and unstructured operational management, and limited availability of spare parts. These conditions result in uncertainty regarding service completion time and frequent deviations from initial repair estimates. From the perspective of fiqh muamalah, such practices may lead to gharar and darar within ijarah contracts, as the element of time certainty is not adequately fulfilled. The absence of standard operating procedures (SOPs) and structured supervision further reflects weak internal business governance and suboptimal implementation of Islamic work ethics, particularly the principles of amanah and itqān. Implication – This study highlights the necessity of strengthening internal business governance through the implementation of (SOP)’s grounded in Islamic business ethics, improving workforce professionalism, and enhancing operational supervision. These measures are essential to ensure contractual certainty, protect consumer rights, and align workshop practices with the objectives of maqāṣid al-sharī‘ah and consumer protection principles under Islamic economic law.
Online Buying and Selling Through Social Media to Increase Efficiency and Fairness Islamic Economic Perspective Muhammad Samsunar; Rahmawati Muin; Nasrullah Bin Sapa
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.v10i2.9218

Abstract

Purpose/Objective This study aims to examine online buying and selling practices conducted through social media platforms and analyze their role in increasing efficiency and fairness from an Islamic economic perspective. Methods This study uses a qualitative descriptive approach based on an extensive literature review of academic journals, books, Islamic jurisprudence (fiqh),muʿāmalāt (Islamic jurisprudence), and regulations related to digital commerce and social media-based transactions. Social media platforms such as Instagram, Facebook, WhatsApp, and TikTok are used as illustrative examples to illustrate contemporary online commerce practices commonly implemented by small and medium-sized enterprises. Results Findings indicate that online transactions via social media can significantly improve economic efficiency by reducing transaction costs, expanding market reach, and accelerating information exchange. From an Islamic economic perspective, these practices are considered permissible (halal) as long as they comply with sharia principles, including transparency (bayān), informed consent, and the ability to communicate effectively. together (tarāḍī), honesty (ṣidq),and avoid ghara ,deception(tadlīs), and Injustice (ẓulm). Unfair practices such as misleading product information, unclear pricing, and non-transparent delivery systems have been identified as violations of Islamic ethical standards and can undermine trust and fairness in digital transactions. Implications This study implies and contribute that strengthening sharia compliance, ethical awareness, and regulatory oversight in social media commerce is crucial to ensure fairness, consumer protection, and sustainable digital economic development in accordance with Islamic economic values.
Customer Service Quality as an Implementation of Sharia Banking Legal Policy: A Study on Customer Satisfaction at Bank Syariah Indonesia Padangsidimpuan Branch Syabatullah, Suryadi; Batubara, Maryam
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.v9i2.9321

Abstract

Purpose  – This study analyzes the implementation of Sharia Banking Legal Policy in customer service practices and its implications for customer satisfaction at Bank Syariah Indonesia (BSI) Padangsidimpuan Branch. From the perspective of Islamic economic law, sharia banking institutions are legally bound to comply with statutory regulations, Sharia principles, and consumer protection norms. Customer service quality is examined as a socio-legal indicator reflecting how these legal and ethical obligations are operationalized in daily banking interactions. Method –  This research adopts a qualitative socio-legal approach focusing on empirical legal practices. Data were obtained through in-depth interviews and direct observations involving ten customers who had recently interacted with customer service officers at BSI KC Padangsidimpuan. Respondents were selected purposively based on their service experience. The analysis employed SERVQUAL dimensions tangibles, reliability, responsiveness, assurance, and empathy to interpret customer perceptions as manifestations of sharia banking legal policy implementation. Result –  The findings show that customer service quality at BSI KC Padangsidimpuan is generally perceived positively and contributes to customer satisfaction. Nevertheless, inconsistencies were identified, particularly in responsiveness and interpersonal conduct, indicating partial gaps between normative legal obligations and practical service delivery. These findings suggest that sharia banking legal policy has been implemented, but not yet uniformly realized across all service dimensions. Implication – This study indicates that customer satisfaction functions as a normative outcome of effective sharia banking legal policy implementation rather than a generalized performance measure. Strengthening compliance with Sharia Banking Law, Financial Services Authority (OJK) regulations, and DSN-MUI fatwas especially regarding service ethics, consumer protection, and complaint-handling mechanisms is essential to ensure coherence between Islamic economic law norms and institutional practice. This research contributes to Islamic economic law scholarship by positioning service quality analysis within a qualitative socio-legal framework.
Analisis Hukum Bisnis terhadap Risiko UMKM Tanpa Izin di Pusat Oleh-Oleh Bantarjati, Bogor Illahiyah, Andianita Nur Illahiyah; Mohammad Hipni
Al-Amwal : Journal of Islamic Economic Law Vol. 11 No. 1 (2026): 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.v11i1.8880

Abstract

The purpose of this study is to examine the legal and commercial concerns that Micro, Small, and Medium-Sized Enterprises (MSMEs) in Bantarjati Village, Bogor City's souvenir district confront when operating without official company licenses. The study also looks at how these unauthorized enterprises affect consumer protection in the context of company law. This study uses a case study design and a qualitative methodology. In-depth interviews with fifteen MSME players, field observations, and examination of pertinent regulatory papers were used to gather data. Triangulation techniques were used to guarantee data quality and dependability, and descriptive qualitative analysis was used to examine the gathered data. According to the data, almost 73% of MSMEs in the Bantarjati souvenir center do not have full business licenses, which puts them at risk for fines, administrative penalties, and even business closure. From a business standpoint, unlicensed MSMEs face challenges in acquiring legal funding, restricted market access, and low competitiveness. Inadequate consumer protection is also a result of the lack of corporate legitimacy, which raises questions about legal responsibility, product quality assurance, and complaint procedures. The report emphasizes how urgently comprehensive policy initiatives are needed to increase MSME adherence to business licensing laws. To improve consumer protection, advance legal certainty, and guarantee the viability of MSMEs in the local economy, it is imperative to strengthen regulatory socialization, streamline licensing processes, and offer integrated assistance for MSMEs.
Pengelolaan Aset Terlantar Sebagai Balai Latihan Kerja (BLK) di Pondok Pesantren Adnan Al Charish Bojonegoro Menurut Perspektif Hukum Ekonomi Syariah Rohmah, Alfinatur; Sholahudin Shidiq, Agus; Muhammad Zaenal Abidin
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.v10i2.9352

Abstract

Purpose - Islamic boarding schools have great economic potential through asset management, but there are still many Islamic boarding schools that face the problem of property or abandoned land that has not been utilized optimally. This study aims to analyze the management mechanism of abandoned land at the Adnan Al Charish Islamic Boarding School in Bojonegoro from the perspective  of  Maqashid Syariah and evaluate its impact on the economic welfare of students. Method - This study uses a qualitative approach with a single case study design. Data were obtained through in-depth interviews, participatory observations, and documentation studies. Results - The results of the study show that the management of abandoned land is carried out through asset legalization, land conversion into Job Training Center (BLK), establishment of Enterprises Owned by Islamic Boarding Schools, and multimedia training for students. In the perspective  of  Maqashid Sharia, this management reflects the principles  of  hifz al-mal through asset optimization and hifz al-'aql through increasing the capacity and skills of students. The resulting economic impact encompasses increased institutional income for pesantren, strengthened economic independence, employment generation, and improved student welfare through supplementary revenue streams and educational financing support mechanisms. Implications - This study contributes to the literature by demonstrating that Maqashid Sharia-based abandoned land management can function as a strategic model for achieving sustainable economic independence and improving student welfare in Islamic boarding schools.
The Implementation of 5C Principle and Maqashid Al-Sharia at Baitul Māl wat Tamwil BMT DAQU Bojonegoro, Indonesia Ramadhanti, Dewi Gita; Ningrum, Ifa Khoiria; Abidin, Muhammad Zaenal
Al-Amwal : Journal of Islamic Economic Law Vol. 11 No. 1 (2026): 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.v11i1.9363

Abstract

Purpose  - This study aims to analyze the application of the 5C prudential principle consisting of Character, Capacity, Capital, Collateral, and Condition in financing practices at BMT DAQU Klepek Sukosewu Bojonegoro, Indonesia. The study also examines the relationship between the implementation of the 5C principle and the values of Sharia Economic Law through the perspective of Maqasid al Sharia, particularly in the context of the increasing level of Non-Performing Financing (NPF). Method – This research applies a qualitative approach with a field research design. Data were collected through semi structured interviews with Sharia administrators and supervisors, direct observation of financing practices, and documentation related to the financing process and the management of problematic financing. Data analysis was conducted using the interactive model of Miles and Huberman which consists of data reduction, data display, and conclusion drawing. Data validity was ensured through source triangulation and method triangulation. Results – The findings show that weaknesses in several elements of the 5C assessment contribute to the increase of problematic financing. Limitations in evaluating character, capacity, and economic conditions of customers affect the quality of financing decisions. The study also finds that the settlement of problematic financing at BMT DAQU is conducted through approaches which consider both managerial prudence and Sharia based ethical considerations. Implications – This study contributes to strengthening risk management in Islamic microfinance institutions. The integration of the 5C prudential principle with the values of Maqasid al-Sharia, particularly the principles of hifz al-mal and justice, can support more responsible financing practices and improve the governance of Islamic microfinance institutions.
Indonesia – China Economic Diplomacy in Nickel Downstreaming Policy: The Perspective of the Rule of Law and Sustainable Development Alief Qurratul 'Ain Musafa'; Dani Muhtada
Al-Amwal : Journal of Islamic Economic Law Vol. 11 No. 1 (2026): 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.v11i1.9526

Abstract

Purpose – This study aims to analyze nickel downstreaming policies within the framework of Indonesia-China economic diplomacy and assess their compatibility with the principles of the rule of law, sustainable development, and Islamic economic law. This study stems from the need to provide a multidimensional analysis of the policy of banning nickel ore exports and accelerating the development of smelters as a national industrialization strategy. Method – The method used is normative legal research with a legislative, conceptual, and analytical approach. Data was obtained through a literature study of legislation, scientific literature, and related policy documents, then analyzed qualitatively through legal interpretation and normative argumentation. Result – The results of the study show that the downstreaming policy has constitutional legitimacy and strategically strengthens Indonesia's position in the global supply chain of critical minerals through investment cooperation with China. However, its implementation still faces challenges in the form of structural dependence on foreign investment, the risk of environmental degradation, and unequal distribution of economic benefits. From a sharia economic law perspective, downstreaming is normatively valid as long as the state fulfills its role as a public trustee that guarantees distributive justice and intergenerational sustainability. Implication – This research contributes to the discourse on legal and economic governance by integrating the perspectives of the rule of law, sustainable development, and Islamic economic law into a unified analytical framework. Furthermore, the study provides practical recommendations for strengthening investment governance, harmonizing regulations, and promoting fairer benefit distribution mechanisms in nickel downstreaming policies.

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