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Contact Name
Novia Silviani
Contact Email
noviasilviani17@gmail.com
Phone
-
Journal Mail Official
jurnaladzkiyaiainmetro@gmail.com
Editorial Address
sakirman87@gmail.com azki@uinjkt.ac.id
Location
Kab. jombang,
Jawa timur
INDONESIA
KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH
ISSN : 23554215     EISSN : 25280872     DOI : -
Adzkiya: Jurnal Hukum dan EKonomi Syariah encompasses original research articles, review articles, and short communications, including: Accounting, Sharia law, Islamic Accounting, Management, Management of sharia, Sharia Bussines Management, Human Resource Management, Economics Education, Sharia Financial Banking.
Articles 151 Documents
Analisis Hukum Ekonomi Syari’ah terhadap Mekanisme Fundraising Dana Zakat Melalui Bank Konvensional pada BAZNAS Kota Bandar Lampung Zaharah, Rita; Faizal, Liky; Hermanto, Agus; Fauzi, Mohammad Yasir; Santoso, Rudi
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 12 No 1 (2024): Jurnal Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v12i1.9263

Abstract

MUI Fatwa No. 1 of 2004 concerning Interest states that mu'amalah is not permitted using Conventional Banks because there is an Interest system in Conventional Financial Institutions and the practice of interest is haram. Fundraising zakat by BAZNAS Bandar Lampung City in practice is known to use Conventional Banks which are used in collecting zakat. This is contradictory and gives rise to speculation among the public because there is a discrepancy between the fundraising mechanism at BAZNAS Bandar Lampung City and the MUI fatwa No.1 of 2004. This research is field research with a descriptive qualitative approach. Data sources come from primary data and secondary data. The results obtained in this research are: First, the fundraising mechanism for zakat funds is carried out directly, namely muzaki go directly to the BAZNAS / UPZ office and indirectly, namely through transfers to bank accounts, including using conventional banks. This was done because of the existence of an MoU with the Bandar Lampung City Government in optimizing the collection of ASN zakat, the regulations of which are carried out by Regional Banks, and Commercial Banks are used to facilitate and target Muzakki who are not familiar with Sharia Banks, Commercial Banks are used only as a channel for zakat/UPZ (zakat collection unit), deposited and managed by Sharia Bank account. Second, the use of conventional banks in collecting zakat carried out by BAZNAS Bandar Lampung City from the perspective of sharia economic law based on findings and facts that occur in the field and based on maslahah murlah may be done because there are benefits and maslahah for many people (not problems for the interests of one group or certain individuals) and reject harm in order to maintain the goals of shara' (maqashid shari'ah)
Dinar Dirham: Restoration of Shariah Currency Values for Indonesia Economic Prosperity Alim, Sahirul; Fikriawan, Suad; Lubis, Ahmad Tarmizi; Nasri, Ulyan
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 12 No 1 (2024): Jurnal Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v12i1.9328

Abstract

This study aims to investigate the restoration of Shariah currency values through the implementation of Dinar Dirham for fostering economic prosperity in Indonesia. Employing a mixed-method approach, the research combines qualitative and quantitative methodologies. Qualitative data is collected through literature review and expert interviews to understand the historical significance and contemporary relevance of Dinar Dirham in Islamic economics. Quantitative data is gathered through surveys and financial analysis to assess the potential impact of reintroducing Dinar Dirham on Indonesia's economic landscape. The collected data is analyzed using thematic analysis for qualitative data and statistical techniques for quantitative data. The research results indicate significant interest among stakeholders in reintroducing Dinar Dirham as a means to stabilize the economy and uphold Islamic principles in financial transactions. Qualitative data analysis reveals the strong historical and contemporary relevance of Dinar Dirham in Islamic economics, while quantitative data suggests the potential for increased economic stability through the reintroduction of this currency. The implications of this study suggest that reintroducing Dinar Dirham can enhance economic stability, promote ethical financial practices, and strengthen Indonesia's position in the global Islamic finance industry.
Urgensi Pemahaman dan Kesadaran Produk Halal Pelaku Usaha di Kota Metro Zulaikha, Siti; Lestari, Enny Puji; Imtihanah, Ani Nurul; Baidhowi, Mujib
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 12 No 1 (2024): Jurnal Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

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

Abstract

Metro City has a number of Micro, Small and Medium Enterprises (MSMEs) consisting of Muslims and non-Muslims. Muslim consumers are required in their religion to use only halal products, both processed and processed. Therefore, when searching or buying products, Muslim consumers pay attention to halal logos certified by religious authorities in Indonesia. With the need for halal products, business actors who are sensitive to halal business are also needed so as to affect consumer buying interest. With this, it is felt necessary to dedicate myself to my business to educate the understanding and awareness of business actors in Metro City. The author uses descriptive qualitative research methods in community service with data collection techniques with questionnaires and interviews with Muslim, non-Muslim MSME business actors and the PSMTI (Paguyuban Sosial Marga Tionghoa Indonesia) community in Metro City. The result of this community service is that MSME actors and the PSMTI community are aware and understand something that is prioritized in determining behavior towards what they eat, drink and use. Halal awareness of products is not only limited to understanding the products contained in choosing raw materials, production processes, production cleanliness and knowledge of the products that will be produced by MSME actors are very important. MSME business actors are very aware and understand 45%, aware and understand 48% and 7% are not aware and understand. The level of awareness and understanding of halal certificates for Muslim MSME actors is very dominant, although there are some who do not understand halal certificates because of ignorance from MSME business actors about the importance of halal certificates. Non-Muslim business actors and the PSMTI Community are also aware and understand the existing halal products
Strategi Penegakan Hukum terhadap Pelanggaran Prinsip Syariah dalam Transaksi Perbankan dan Keuangan Islam di Indonesia: Analisis Multi-Level Regulasi dan Mekanisme Pengawasan Fikri, Ahmad Lutfi Rijalul; Supriyadi; Hajati, Nisa
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 2 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/h1exdf88

Abstract

This study analyzes multi-level law enforcement strategies against Sharia principle violations in Indonesian Islamic banking and finance, examining regulatory frameworks from national legislation (UU No. 21/2008) to institutional oversight by OJK, DSN-MUI, and Sharia Supervisory Boards. The research focuses on three primary violation categories: riba (interest-based transactions), gharar (excessive uncertainty), and maysir (speculative transactions), evaluating enforcement mechanisms across four levels: national regulatory framework, Sharia court adjudication (BASYARNAS and Religious Courts), institutional supervision (OJK and Bank Indonesia), and internal compliance systems. Using triangulation methods combining qualitative descriptive approaches with quantitative secondary data and legal document analysis (POJK regulations, DSN-MUI fatwas, court decisions), data was collected from academic sources, indexed journals, official legal documents, and international case studies. Key findings reveal enforcement fragmentation across regulatory levels, with gaps between UU 21/2008 provisions, POJK implementation, and DSN-MUI fatwa compliance. Religious Court decisions show inconsistent Sharia principle application, while OJK supervision data indicates varying compliance rates across violation categories. Current mechanisms suffer from regulatory fragmentation and lack of standardized protocols. The study develops an integrated multi-level Sharia law enforcement framework, comparing best practices from Malaysia, UAE, and other countries, recommending: (1) harmonizing multi-level regulatory frameworks; (2) strengthening OJK-DSN-MUI-Sharia court coordination; (3) standardizing violation categorization and sanctions; and (4) leveraging technology for compliance monitoring to create a more effective Sharia legal system
Price, Brand Image, and Halal Certification as Determinants of Muslim Consumers’ Purchase Decisions for Sate Ayam H. Tukri Sobikun Ponorogo Rizqullah, Maula Falih; Imari, Iqbal
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 2 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/hsw21a36

Abstract

The Indonesian people widely consume satay as one of their culinary delights. Ponorogo is one of the cities in Indonesia where there are satay restaurants. One of the most dominated places by visitors is Sate Ayam H. Tukri Sobikun Ponorogo. This study aims to measure the effect of price, brand image, and halal certification on Muslim purchasing decisions for Sate Ayam H. Tukri Sobikun Ponorogo and how significant the effect is. This research was conducted by distributing questionnaires to 155 respondents of Sate Ayam H. Tukri Sobikun Ponorogo consumers in Ponorogo with the sample selection method being non-probability sampling of the Purposive Sampling type, where the sample was selected based on people who were easy to meet and willing to cooperate. The analysis tool was used to measure the effect of price, brand image, and halal certification on Muslim Purchasing Decisions is multiple linear regression analysis and the data is processed using the SPSS program. The results showed that Price has a significant effect on Muslim purchasing decisions at sate ayam H. Tukri Sobikun Ponorogo, brand Image has a significant effect on Muslim purchasing decisions at sate ayam H. Tukri Sobikun Ponorogo, halal certification has no significant effect on Muslim purchasing decisions sate ayam H. Tukri Sobikun Ponorogo.
Perlindungan Debitur dalam Pembiayaan Melalui Jaminan Fidusia: Analisis Hukum Ekonomi Syariah Pratama, Alandra; Sunaryo; Zazili, Ahmad; Rohaini; Kasmawati
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 2 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/jk886946

Abstract

The use of fiduciary guarantees in Sharia-based consumer financing raises legal issues concerning debtor protection, particularly regarding justice, legal certainty, and execution mechanisms. Juridically, fiduciary guarantees function as instruments for creditor protection; therefore, debtor protection does not arise from the guarantee itself but from legal regulations and limitations on its execution. This study aims to analyze debtor legal protection in Sharia-based consumer financing utilizing fiduciary guarantees from the perspective of Indonesian positive law and Islamic economic law. This research employs a normative legal research method with statutory and conceptual approaches. The findings indicate that the regulation of fiduciary guarantees has not fully ensured debtor protection, especially in execution practices. From the perspective of Islamic economic law, such practices potentially contradict the principles of justice, the prohibition of oppression (ẓulm), and the objectives of maqāṣid al-sharī‘ah, particularly the protection of property (ḥifẓ al-māl). Therefore, the application of fiduciary guarantees in Sharia financing must be harmonized with the principles of rahn, the nature of Sharia contracts, as well as DSN-MUI fatwas and Sharia financial regulations issued by the Financial Services Authority.
Living Fatwa: Studi Fatwa DSN-MUI Tentang Jasa Keperantaraan di Indonesia Mustakim, Andi Ardiyan; Indonesia; Islahudin, Ahmad Noor; Fitriyah, Faridatul; Masduki, M. Alwan
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 2 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/yhp1h142

Abstract

This article aims to examine the transformation of fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) regarding brokerage services in the perspective of living fatwa. The main issue raised is the weak binding power of religious fatwas in the realm of positive law, which often causes fatwas to be ignored in the public policy-making process. However, DSN-MUI fatwas related to brokerage services have proven to make a significant contribution in inspiring the formation of legal norms contained in legislation in the banking sector and financial transactions in Indonesia. Therefore, the focus of this article is directed at the study of fatwas on brokerage services as a representation of normative-religious norms in banking practices and financial transactions. Thus, it complements other studies on living fatwas. This article examines how fatwas on brokerage services have been transformed into a living norm in the Indonesian regulatory context, and identifies the main characteristics underlying this transformation. This research is a literature review with a living fatwa approach. The results show that the transformation of Islamic norms in the form of fatwas on brokerage services has a strategic role in influencing the birth of regulations that integrate sharia principles into the national legal system, especially in the field of transactions and finance. The laws and regulations governing brokerage services in Indonesia can be understood as a form of “institutionalization” of the norms previously formulated through the DSN-MUI fatwa. This article argues that these fatwas perform two main functions: first, as a reinforcement of state policy for the public good (ta'yidi); and second, as a normative source in the formulation and making of public policy (insya'i). Furthermore, DSN-MUI fatwas that have undergone transformation into the national legal system in a living perspective display characteristics that are implementative, visionary, scientific, and responsive to social dynamics (dynamic movement).
Pengaruh Zakat Produktif terhadap Pengentasan Kemiskinan di Indonesia 1995 - 2023 Saessatya, Zarel; Atmanti, Hastarini Dwi
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 2 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/vj6dex21

Abstract

This study examines the empirical relationship between productive zakat and poverty alleviation in Indonesia, utilising the Autoregressive Distributed Lag (ARDL) approach over the period 1995-2023. The research utilises comprehensive time series data from the National Zakat Board (BAZNAS) and the Central Statistics Agency (BPS) to examine both the short-run and long-run dynamics of zakat's effectiveness in reducing poverty. Augmented Dickey-Fuller tests confirm the stationarity of all variables at the I(0) level. At the same time, the Bounds Test reveals a strong cointegration relationship, with an F-statistic of 6.965159, which significantly exceeds the critical values at all significance levels. The findings demonstrate that productive zakat exhibits significant poverty reduction effects, with a long-run coefficient of -0.454382 (p = 0.0559) and a more substantial short-run impact, as indicated by the first lag coefficient of -0.607590 (p = 0.0180). The Error Correction Model validates the adjustment mechanism toward long-run equilibrium, indicating that zakat serves as both a sustainable redistributive instrument and a short-term economic stabiliser. The model achieves exceptional explanatory power, with an R-squared of 98.97%. The CUSUM test confirms parameter stability across nearly three decades, despite various economic shocks, including the 1997-1998 Asian financial crisis. The results provide robust empirical evidence for integrating zakat into Indonesia's national poverty alleviation strategy, demonstrating its effectiveness as both a counter-cyclical policy tool and a structural mechanism for poverty reduction. The study makes a significant contribution to the Islamic fiscal policy literature by quantifying the measurable economic impact of zakat through rigorous econometric methodology. Based on these findings, this study recommends that productive zakat be more systematically integrated into national poverty alleviation policies by strengthening zakat management institutions, increasing productive zakat allocations oriented towards empowering the mustahik (recipients), and synchronizing zakat programs with government fiscal and social protection policies. Furthermore, increasing transparency, accountability, and utilizing integrated data between zakat institutions and government agencies is crucial to maximizing the impact of zakat as a countercyclical policy instrument and a structural mechanism for sustainable poverty reduction. This study makes a significant contribution to the Islamic fiscal policy literature by quantifying the economic impact of zakat through a rigorous econometric methodology.
Dari Direct Selling ke Digital Branding: Strategi Pemasaran UMKM “ Bakpia Oma Dian” di Era Digital Dewi, Liana; Susanti, Liana Dewi; Ilmi, Ulul; Yusuf, M Fajar Baharudin; Kurniawati, Mutiara; Asih, Murni
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 1 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/3mee3s15

Abstract

Marketing plays a crucial role in ensuring business sustainability amid increasingly intense competition. This study aims to analyze the marketing strategy transformation from direct selling to digital branding at the MSME Bakpia Oma Dian located in Tanggulangin Village, Punggur District. The research employs a Participatory Action Research (PAR) approach, which integrates the research process with social transformation through three main strategies: collective commitment with the community, the involvement of local leaders, and the establishment of community-based institutions. The findings reveal that the digital branding strategies implemented include improving product quality, innovating flavors and packaging, setting affordable prices, choosing strategic business locations, and promoting products through social media platforms such as WhatsApp, Facebook, and Instagram. This transformation has successfully enhanced competitiveness and strengthened the brand image of Bakpia Oma Dian in the digital era. Keywords: Direct Selling, Digital Branding, Marketing Strategy, MSME, Digital Era.
Business Model Canvas Toko Thrifting Outdoor Impor Perspektif Ekonomi Syariah Izzah, Raden; Eka Wahyuni, Eka Sri; Cahyono, Andi
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 2 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/0e6j2457

Abstract

Data from Radar Bengkulu shows that imported outdoor thrifting in Bengkulu City reflects the trend of sustainable consumption which is increasingly in demand, especially among students and the general public. However, this practice raises concerns about its alignment with Islamic economic principles. This study aims to analyze the business model of imported outdoor thrifting stores in Bengkulu using the Business Model Canvas (BMC) approach and evaluate its compliance with Islamic economics based on Maqashid Shariah, namely justice (ʿadl), public benefit (maslahah), and transparency (ṣidq). A descriptive qualitative method with a case study approach was employed, involving five purposively selected stores. The findings show that these stores share similar business patterns across the nine BMC elements, especially in offering affordable branded products and using social media as the main distribution channel. However, not all business practices fully align with the principles of Maqashid Shariah, particularly regarding fair competition and information transparency. This research provides an initial overview of how the thrifting business can be developed ethically and sustainably by integrating Islamic values. It contributes to the discourse on Islamic economic practices in retail businesses and offers insights for entrepreneurs, regulators, and future researchers.