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INDONESIA
Justisia Ekonomika
Published by Universitas Muhammadiyah Surabaya
ISSN : 25985043     EISSN : 2614865X     DOI : https://doi.org/10.30651/justeko.v7i2
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Arjuna Subject : -
Articles 374 Documents
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THE DIGITAL REVOLUTION OF ISLAMIC SOCIAL FINANCE: THE TRANSFORMATION OF ZAKAT, WAQF, AND FINTECH IN REALIZING SUSTAINABLE DEVELOPMENT GOALS IN INDONESIA alfian, ian; Agustina, Surya; Nasution, Yenni Samri Juliati; Marliyah, Marliyah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 2 (2025): Desember 2025
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i2.28413

Abstract

This study aims to analyze the transformation of Islamic Social Finance in the digital era and the strategic role of the National Committee for Islamic Economics and Finance (KNEKS) in strengthening the Islamic social finance ecosystem in Indonesia. The method used is a Systematic Literature Review (SLR) based on the PRISMA protocol, which includes the process of identification, selection, eligibility, and inclusion of scientific publications. A total of 25 selected articles published between 2019 and 2025 were analyzed using a thematic synthesis approach and quality assessment using the JBI Critical Assessment Tool. The research findings show that the digitization of Islamic Social Finance through fintech platforms, digital zakat wallets, digital waqf, and sharia crowdfunding has increased the efficiency of collection, transparency of distribution, and expanded access to services for the unbanked population. However, challenges remain in digital literacy, public trust, regulatory integration, and the readiness of the managing institutions' infrastructure. This study confirms that KNEKS plays a significant coordinating role in strengthening governance, standardizing policies, and integrating social finance systems with national development goals. The findings also show that Islamic Social Finance contributes to accelerating the achievement of the Sustainable Development Goals (SDGs), particularly poverty eradication, inclusive education, food security, and women's empowerment. The policy implications of this study include the need to improve digital and Sharia literacy, harmonize Sharia fintech regulations, and develop integrated digital platforms based on technologies such as blockchain and artificial intelligence to strengthen transparency and accountability.
ONLINE BUYING AND SELLING SYSTEM OF DROPSHIPPING AND RESELLING IN THE PERSPECTIVE OF STATUTORY REGULATIONS AND ISLAMIC ECONOMIC FATWAS Candrawati, Iin; Hafith , Muh. Abdulloh; Robbani , Shofa; Huda , Nurul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 2 (2025): Desember 2025
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i2.28543

Abstract

The rapid growth of digital commerce in Indonesia has encouraged the emergence of innovative business models such as dropshipping and reselling. This study aims to analyze the legal status of dropshipping and reselling systems under both Indonesian statutory regulations and Islamic economic fatwas. Using a qualitative normative legal research approach, the study applies statute, conceptual, and comparative analyses of the Consumer Protection Law, Electronic Transaction Law, and related DSN-MUI Fatwas. The findings show that Indonesian positive law recognizes dropshipping and reselling as lawful business activities when they adhere to transparency, accountability, and consumer protection principles. The study concludes that harmonization between national regulations and Islamic economic fatwas is essential to ensure that digital trade operates within a framework of both legal enforceability and moral ethics. An integrative approach combining statutory compliance and Sharia principles can strengthen justice, fairness, and transparency in Indonesia’s digital economy. This study contributes to the development of digital commerce law by offering an integrative model between statutory enforceability and Islamic ethical legitimacy.
PEACE ACTS AS AN ALTERNATIVE FOR SHARIA FINANCING DISPUTE SETTLEMENT: A CASE STUDY OF THE MAGETAN RELIGIOUS COURT DECISION No. 57/Pdt.GS/2025/PA.Mgt fadlila, annisa zakiyatul; Rohmawati, Rohmawati; dwiyanti, erma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 2 (2025): Desember 2025
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i2.28701

Abstract

Borrowing money through Islamic financial institutions has become a necessity for society. However, Islamic financing practices are still exposed to credit risks such as arrears and bad debts. Such cases require effective solutions that protect both the bank and the customer. One practical and legally binding option is a court-approved settlement agreement. The choice of a settlement agreement in this study is based on the consideration that litigation is often time-consuming, costly, and causes tension between parties. In contrast, a settlement agreement offers a faster, more efficient process while providing legal certainty equivalent to a court ruling. It also reflects the Islamic principle of ishlah (peace), which upholds deliberation and justice without neglecting legal certainty. This study aims to analyze the role of settlement agreements in resolving problematic Islamic financing disputes, with a case study of the Magetan Religious Court Decision No. 57/Pdt.GS/2025/PA.Mgt. The research uses a normative juridical method with a case approach through literature review, decision documentation, and references to procedural civil and Islamic economic law. The results show that the dispute between PT. BPRS (Perseroda) and the customer were resolved through a peace agreement involving payment of arrears and one-year financing restructuring, confirmed by the judge as a valid settlement. The study concludes that a settlement agreement is an effective, quick, and just dispute resolution instrument aligned with the principles of deliberation and justice in Islamic law.
THE URGENCY OF GOOD FAITH FROM THE PERSPECTIVE OF SADDUD DZARI’AH THEORY (A STUDY OF DECISION NO. 426/Pdt.G/2021/PA.JS) Silvana, Sindy Siska
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 2 (2025): Desember 2025
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i2.28811

Abstract

This study examines the application of the principle of good faith in a Sharia insurance dispute, as presented in Case No. 426/Pdt.G/2021/PA.JS and evaluates its legal relevance from the perspective of Saddud Dzari’ah. Using a qualitative normative-empirical method through the examination of judicial decisions, policy terms, and Sharia insurance regulations, the research finds that the Plaintiff provided inaccurate information concerning medical history, other insurance ownership, and domicile. These inaccuracies constituted a breach of the principle of utmost good faith (uberrimae fidei), giving the Defendant legal grounds to rescind the policy and deny the claim in accordance with applicable laws and contract provisions. Normatively, such a violation at the pre-contractual stage should have led to the rejection of the lawsuit in its entirety. However, the judges applied the Saddud Dzari’ah principle to realize substantive justice by ordering the return of premiums to prevent harm and maintain fairness and proportionality of rights and obligations. The study highlights the need for stricter verification and auditing standards for participant data in Sharia insurance. It also shows that Saddud Dzari’ah provides a normative and argumentative basis for harmonizing legal certainty and fairness in dispute resolution. Additionally, the research reveals weaknesses in the fact-finding process, emphasizing the importance of a more proactive and rigorous judicial approach to ensure thoroughly examined material facts and a fair judgment.

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