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Contact Name
Moh. Faizur Rohman
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faza_veiro@uinsa.ac.id
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+6285749376509
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faza_veiro@uinsa.ac.id
Editorial Address
Prodi Hukum Ekonomi Syariah (Muamalah) Fakultas Syari'ah dan Hukum UIN Sunan Ampel Surabaya, Jl. Ahmad Yani 117 Surabaya, Jawa Timur 60237
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INDONESIA
Maliyah : Jurnal Hukum Bisnis Islam
ISSN : 20884869     EISSN : 25974351     DOI : https://doi.org/10.15642/maliyah.2021.11.2
Kajian-kajian Hukum Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 168 Documents
Analisis Pertimbangan KPPU terhadap Keterlambatan Notifikasi Akuisisi Saham perspektif Hukum Ekonomi Syariah Sari, Nurita
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 1 (2024): Juni 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.1.108-128

Abstract

This study aims to examine the consideration of decisions made by the Business Competition Supervisory Commission (KPPU) related to the Share Acquisition made by PT Matahari Pontianak Indah Mall, from the view of sharia economic law and also the view of positive law. The research method in this study uses normative juridical method, then explained with descriptive method. So that the results of this study provide an understanding that the case in this decision is not considered a violation in the perspective of sharia economic law but juridically the case is still considered to violate the provisions of article 29 of Law number 5 of 1999 which regulates the prohibition of monopolistic practices and unfair business competition.
Dampak Kotak Infaq Nahdlatul Ulama (KOIN NU) terhadap Kesejahteraan Masyarakat Batanghari Lampung Timur Fauziah, Habibatul
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 1 (2024): Juni 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.1.22-44

Abstract

East Lampung BPS data shows an increase in the number of poor people by 6,220 people in 2021. So solutions are needed to overcome poverty. One of them is through zakat, infaq and alms amil institutions through the Nahdlatul Ulama Infaq Box movement program (KOIN NU) where activities consist of collecting, managing and distributing infaq funds and alms which are shown to people in need. This research aims to examine the management of KOIN NU funds and its impact on the welfare of the Batanghari community. This research is descriptive qualitative, namely research that utilizes qualitative data and then explains it descriptively. The data sources in this research use primary data sources and secondary data sources using data collection techniques through interviews and documentation. The research results show that the KOIN NU program has succeeded in collecting funds through 12,353 infaq boxes which were distributed to the Batanghari community. Even though the use of funds is still consumptive in nature, this program has had a positive impact on community welfare, especially in meeting daily needs. However, the long-term program has not been implemented because there are several obstacles such as suboptimal use of funds and a lack of human resources.
Tinjauan Maqāṣid Al-Sharī’ah terhadap Pemboikotan Produk Israel Nurkholidah, Susi; Diono, Marzuki
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 1 (2024): Juni 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.1.1-21

Abstract

The conflict between Palestine and Israel has led to a boycott of pro-Israel products. Several countries, including Indonesia through MUI Fatwa No. 83 of 2023, promoted the boycott of products affiliated with Israel as a form of support for Palestine which has caused good and bad impacts, especially for companies associated with Israel, especially in the United States, so the issuance of this fatwa has encouraged Muslims to take a boycott stance with stronger conviction. That is why it is worth studying in the maqāṣid al-sharī’ah study. The type of research method used in this research is qualitative research. This research in collecting data uses the library research study method (Library research). The result of this research shows that the influence of MUI fatwa Number 83 of 2023 for Muslims on the boycott of pro-Israel products, especially in Indonesia, has a strong Sharia foundation because the Muslim community already knows that Israel's actions are colonialism against Palestine. While in the maqāṣid al-sharī’ah review, the boycott of pro-Israel products is to help fellow Muslims to realize the objectives of sharia to achieve the welfare of fellow Muslims and weaken the power of Islam's enemies.
Penggunaan Finansial Teknologi Aplikasi Mobile BMT NU Balen untuk Peningkatan Anggota dan Pendapatan (Studi pada BMT NU Balen di Bojonegoro) Alfi, Tutik Al-Fiyah
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 1 (2024): Juni 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.1.45-61

Abstract

This study evaluates the effectiveness of digital technology implementation on BMT NU Balen's mobile application in increasing the number of customers and revenue located in Balen sub-district, Bojonegoro Regency. Digitalization at BMT NU Balen has improved operational efficiency by reducing administrative costs and manual transactions. This study used a qualitative method with a case study approach, involving observation, interviews, and documentation as data collection techniques. Data before and after the implementation of the mobile application was analyzed to measure its direct impact. The results showed that the financial technology implemented in BMT NU Balen's mobile application successfully increased the number of customers from 570 in 2020 to 4,150 in 2023, which means an increase of 3,580 members or seven times. BMT NU Balen's revenue also increased significantly from 251 million rupiah in 2020 to 1.716 billion rupiah in 2023, which means an increase of 1.465 billion rupiah or five to six times. The results of this study are expected to provide valuable insights for BMT NU Balen and other microfinance institutions in utilizing technology to increase the number of customers and revenue, as well as support the development of a more efficient microfinance ecosystem.
Penyederhanaan Perizinan UMKM sebagai Instrumen Perwujudan Keadilan Sosial dengan Pendekatan Maslahah Mursalah dan Undang-Undang Cipta Kerja Mustofa, Winanda; Murni, Murni
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2024): Desember 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.2.213-236

Abstract

Abstract: Micro, Small, and Medium Enterprises (MSMEs) play an important role in the Indonesian economy, especially in creating jobs and improving people's welfare. However, the complicated licensing process is often an obstacle to the growth of MSMEs. With the enactment of the Job Creation Law, the government is trying to move the licensing process through a risk-based Online Single Submission (OSS) system. This study aims to analyze the ease of licensing for MSMEs after the enactment of the Job Creation Law with a mashlahah mursalah approach, which emphasizes social welfare and justice. This study uses a normative legal research method with an analysis of regulations and the concept of mashlahah mursalah. Data were collected through document review and analyzed based on a regulatory and conceptualization approach. The results of the study show that the Job Creation Law introduces a risk-based licensing system that facilitates the licensing process for MSMEs. However, its implementation still faces challenges such as lack of socialization and consistency of regional regulations. Ease of licensing for MSMEs can be considered mashlahah mursalah if it provides real benefits to business growth and people's welfare. However, wider socialization and strict supervision are needed to ensure legal certainty and consistency of regulations. So that the ease of licensing can be an effective instrument of social justice for MSMEs. Keywords: Online Single Submission; MSME Licensing; Policy Efficiency; Maslahah Mursalah. Abstrak: Usaha Mikro, Kecil, dan Menengah (UMKM) memainkan peran vital dalam perekonomian Indonesia, terutama dalam menciptakan lapangan kerja dan meningkatkan kesejahteraan masyarakat. Namun, proses perizinan yang rumit sering menjadi hambatan bagi pertumbuhan UMKM. Dengan diberlakukannya UU Cipta Kerja, pemerintah berupaya menyederhanakan proses perizinan melalui sistem Online Single Submission (OSS) berbasis risiko. Penelitian ini bertujuan untuk menganalisis kemudahan perizinan bagi UMKM pasca lahirnya UU Cipta Kerja dengan pendekatan mashlahah mursalah, yang menekankan pada kemaslahatan dan keadilan sosial. Penelitian ini menggunakan metode penelitian hukum normatif dengan analisis terhadap peraturan perundang-undangan dan konsep mashlahah mursalah. Data dikumpulkan melalui studi dokumen dan dianalisis berdasarkan pendekatan perundang-undangan dan konseptual. Hasil penelitian menunjukkan bahwa UU Cipta Kerja memperkenalkan sistem perizinan berbasis risiko yang memudahkan proses perizinan bagi UMKM. Namun, implementasinya masih menghadapi tantangan seperti kurangnya sosialisasi dan konsistensi regulasi daerah. Kemudahan perizinan bagi UMKM dapat dianggap sebagai mashlahah mursalah jika memberikan manfaat nyata terhadap pertumbuhan usaha dan kesejahteraan masyarakat. Namun, perlu dilakukan sosialisasi yang lebih luas dan pengawasan yang ketat untuk memastikan kepastian hukum dan konsistensi regulasi. Sehingga kemudahan perizinan dapat menjadi instrumen perwujudan keadilan sosial yang efektif bagi UMKM. Kata Kunci: Online Single Submission; Perizinan UMKM; Efisiensi Kebijakan; Maslahah Mursalah.
Law Enforcement Problems in Prosecuting Crime in the Capital Market Qolbi, Muhammad Ainun; Dimyati, Dimyati
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2024): Desember 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.2.165-191

Abstract

Abstract: This study focuses on the evolution and challenges of law enforcement within Indonesia's capital market. The capital market plays a pivotal role in the nation's economic development and financial services. The establishment of the Financial Services Authority (OJK) aims to ensure orderly, transparent, and fair financial activities, striving for stability and protecting the interests of consumers. However, despite the market's modernization, the capital market faces growing challenges related to criminal activities. These challenges stem from outdated laws, inadequate law enforcement, and the dynamic nature of market crimes. Such offenses include fraud, market manipulation, insider trading, and unregulated activities like short selling. The paper addresses the need to identify and address the escalating violations and crimes within the capital market, emphasizing the complexities of providing evidence for these modern, technology-driven transactions. Ultimately, the effectiveness of sanctions relies on robust law enforcement to maintain a secure and trustworthy capital market. This analysis discusses the unique characteristics of criminal activities within the capital market, focusing on information as the primary object of these offenses. Perpetrators rely on their market insights rather than physical actions, making detection and proof challenging. Crimes in the capital market entail administrative, criminal, and civil penalties, primarily centered on fraud, market manipulation, and insider trading. The legal framework in Law No. 8 of 1995 on Capital Markets outlines these offenses and their corresponding penalties. Law enforcement mechanisms transition from administrative to civil and finally to criminal sanctions. Ensuring ethical standards within the business realm is crucial, requiring codified regulations to maintain market integrity and protect investors. Keywords: Law Enforcement; Capital Market Crime; Financial Services Authority. Abstrak: Penelitian ini berfokus pada evolusi dan tantangan penegakan hukum di dalam pasar modal Indonesia. Pasar modal memiliki peran penting dalam pengembangan ekonomi dan layanan keuangan nasional. Pembentukan Otoritas Jasa Keuangan (OJK) bertujuan untuk memastikan kegiatan keuangan yang tertib, transparan, dan adil, dengan berupaya menjaga stabilitas serta melindungi kepentingan konsumen. Namun, meskipun pasar telah mengalami modernisasi, pasar modal menghadapi tantangan yang semakin besar terkait aktivitas kriminal. Tantangan ini berasal dari undang-undang yang sudah usang, penegakan hukum yang kurang memadai, serta sifat dinamis dari kejahatan pasar. Pelanggaran tersebut meliputi penipuan, manipulasi pasar, perdagangan orang dalam, dan aktivitas yang tidak diatur seperti penjualan kosong (short selling). Makalah ini membahas perlunya mengidentifikasi dan mengatasi peningkatan pelanggaran serta kejahatan di dalam pasar modal, dengan menekankan kompleksitas pembuktian dalam transaksi modern yang didorong oleh teknologi. Pada akhirnya, efektivitas sanksi bergantung pada penegakan hukum yang kuat untuk menjaga pasar modal yang aman dan terpercaya. Analisis ini membahas karakteristik unik dari aktivitas kriminal dalam pasar modal, dengan fokus pada informasi sebagai objek utama dari kejahatan tersebut. Pelaku mengandalkan wawasan mereka terhadap pasar daripada tindakan fisik, sehingga deteksi dan pembuktian menjadi sulit. Kejahatan di pasar modal mencakup sanksi administratif, pidana, dan perdata, yang terutama berfokus pada penipuan, manipulasi pasar, dan perdagangan orang dalam. Kerangka hukum dalam Undang-Undang No. 8 Tahun 1995 tentang Pasar Modal mengatur pelanggaran-pelanggaran ini beserta sanksinya. Mekanisme penegakan hukum bertransisi dari sanksi administratif ke perdata dan akhirnya ke pidana. Menjaga standar etika dalam dunia bisnis sangat penting, yang membutuhkan regulasi yang dikodifikasi untuk menjaga integritas pasar dan melindungi investor. Kata Kunci: Penegakan Hukum; Tindak Pidana Pasar Modal; Otoritas Jasa Keuangan.
Zakat Koin Cashback E-Commerce dalam Hukum Islam Soleha, Gladis Mar'atus; Khoiruddin; Nurkholidah, Susi
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2024): Desember 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.2.128-148

Abstract

Abstract: This study examines the potential of e-commerce cashback coins as zakat objects from an Islamic legal perspective. In the digital era, cashback is an incentive in the form of a virtual money refund after a transaction, generally in the form of coins that can be used for subsequent transactions and have a value equivalent to currency. These cashback coins have economic value and can be considered as assets owned, so it is necessary to review whether these coins meet the requirements for zakat. Using a qualitative approach through literature study, this study describes how cashback coins have the potential to become zakat objects. The results of the analysis show that cashback coins are categorized as income zakat (zakat al-mâl al mustafad). Cashback coins can be subject to zakat if they meet the criteria of nisab and full ownership (tamlik). First, cashback coins are considered full property when the user has control over their use, either for transactions or cashed out. Second, the accumulated value of cashback coins can reach a nisab equivalent to 85 grams of gold or equivalent to one-twelfth of 85 grams of gold, so a significant amount of cashback has the potential to be subject to zakat. With a zakat rate of 2.5% of the total value of the coins collected, the payment mechanism can be done monthly or annually without having to meet the haul requirements. Keywords: Cashback Coins; E-commerce; Zakat.   Abstrak: Penelitian ini mengkaji potensi koin cashback e-commerce sebagai objek zakat dalam perspektif hukum Islam. Di era digital, cashback adalah insentif berupa pengembalian uang virtual setelah transaksi, umumnya dalam bentuk koin yang dapat digunakan untuk transaksi berikutnya dan memiliki nilai setara mata uang. Koin cashback ini memiliki nilai ekonomi dan dapat dianggap sebagai harta yang dimiliki, sehingga diperlukan tinjauan apakah koin ini memenuhi syarat zakat. Dengan menggunakan pendekatan kualitatif melalui studi pustaka, penelitian ini mendeskripsikan bagaimana koin cashback berpotensi menjadi objek zakat. Hasil analisis menunjukkan bahwa koin cashback dikategorikan sebagai zakat penghasilan (zakat al-mâl al-mustafad). Koin cashback dapat dikenakan zakat apabila memenuhi kriteria nisab dan kepemilikan penuh (tamlik). Pertama, koin cashback dianggap sebagai harta milik penuh ketika pengguna memiliki kontrol atas penggunaannya, baik untuk bertransaksi atau dicairkan. Kedua, akumulasi nilai koin cashback dapat mencapai nisab yang setara dengan 85 gram emas atau setara seperduabelas dari 85 gram emas, sehingga jumlah yang signifikan dari cashback berpotensi diwajibkan zakat. Dengan kadar zakat sebesar 2,5% dari total nilai koin yang terkumpul, mekanisme pembayaran dapat dilakukan bulanan atau tahunan tanpa harus memenuhi syarat haul. Kata Kunci: E-commerce; Koin Cashback; Zakat.
Green Innovation and Islamic Boarding School Financial Performance: a Case Study in Pondok Pesantren Tahfiz Al-Quran (PPTQ) Al Munawaroh M. Nasyah Agus Saputra; Kurnia Cahya Lestari; Muhammad Ala'uddin; Moh. Ya’qub; Fri Haendid Alfiyan
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2024): Desember 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.2.149-164

Abstract

Abstract: The purpose of this study is to determine the dynamics of the relationship between green innovation and financial performance of Pondok Pesantren Tahfidzul Quran (PPTQ) Al-Munawaroh. More specifically, this study examines how green innovation practices which include products, processes, and organizations contribute to improving the financial performance of PPTQ Al-Munawaroh. This research uses a qualitative case study approach collected through face-to-face interviews, observation and documentary analysis.  The results showed that the green innovation practice mechanism at PPTQ Al-Munawaroh has been running well and developed to change the habits of boarding school residents to care about the environment. The findings indicate that green innovation practices at PPTQ Al-Munawaroh contribute to financial improvement through resource efficiency, especially in operational savings and economic benefits. Keywords: Green Innovation; Financial Performance; Islamic Boarding School; SDGs. Abstrak: Tujuan dari penelitian ini adalah untuk mengetahui dinamika hubungan green innovation dan kinerja keuangan Pondok Pesantren Tahfidzul Quran (PPTQ) Al-Munawaroh. Lebih spesifik, penelitian ini mengkaji bagaimana praktik green innovation yang meliputi produk, proses, dan organisasi berkontribusi dalam meningkatkan kinerja keuangan PPTQ Al-Munawaroh. Penelitian ini menggunakan pendekatan studi kasus kualitatif yang dikumpulkan melalui wawancara tatap muka, observasi dan analisis dokumenter.  Hasil penelitian menunjukkan bahwa mekanisme praktik green innovation di PPTQ Al-Munawaroh telah berjalan dengan baik dan dikembangkan untuk mengubah kebiasaan warga pondok Pesantren untuk peduli pada lingkungan. Temuan menunjukkan bahwa praktik inovasi ramah lingkungan di PPTQ Al-Munawaroh berkontribusi terhadap peningkatan keuangan melalui efisiensi sumber daya, terutama dalam penghematan operasional dan manfaat ekonomi. Kata Kunci: Green Innovation; Kinerja Keuangan; Pondok Pesantren; SDGs. 
Pemberdayaan Mustahik melalui Zakat Komunitas: Studi Kasus BAZNAS Kabupaten Bangkalan dan Kota Surabaya perspektif Teori Kesejahteraan Jamaluddin Athiyyah Sari, Nurita; Nurhayati, Nurhayati; Mustofa, Mustofa
Maliyah : Jurnal Hukum Bisnis Islam Vol. 15 No. 1 (2025): Juni 2025
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2025.15.1.1-25

Abstract

Abstract: This research aims to analyze the mustahik (zakat recipients) This research aims to analyze the empowerment model for mustahik (zakat recipients) through Community Zakat at the National Zakat Agency (BAZNAS) of East Java Province, with case studies at BAZNAS of Bangkalan Regency and BAZNAS of Surabaya City. Specifically, this study examines the implementation of the empowerment model, its relevance to Jamaluddin Athiyyah's welfare theory perspective, and its impact on the welfare of mustahik. The background for this research is the significant potential of zakat in Indonesia, particularly in East Java, and the strategic role of BAZNAS in its management. The research method employed is qualitative with a descriptive approach. Data collection techniques included documentation and interviews, with data validity tested through source and technical triangulation. Data analysis was conducted through data reduction, data display, and conclusion drawing. The research findings indicate that the empowerment models implemented at BAZNAS of Bangkalan Regency and BAZNAS of Surabaya City are adapted to the respective local needs of each area. Empowerment strategies encompass skills training, business capital assistance, and community strengthening. From the perspective of Jamaluddin Athiyyah's welfare theory, especially in the economic field, this program aligns with the principles of Islamic welfare, which include the fulfillment of basic needs, the strengthening of social solidarity, and individual empowerment. This community zakat program has been proven to contribute to improving the welfare and economic independence of mustahik, as evidenced by the increase in their income. Nevertheless, some challenges were identified related to the amanah (trustworthiness/accountability) of mustahik in managing the aid. Keywords: Mustahik Empowerment, Community Zakat, Jamaluddin Athiyyah's Welfare Theory. Abstrak: Penelitian ini bertujuan untuk menganalisis model pemberdayaan mustahik melalui Komunitas Zakat pada BAZNAS Provinsi Jawa Timur, dengan studi kasus di BAZNAS Kabupaten Bangkalan dan BAZNAS Kota Surabaya. Secara spesifik, penelitian ini mengkaji implementasi model pemberdayaan, relevansinya dengan perspektif teori kesejahteraan Jamaluddin Athiyyah, serta dampaknya terhadap kesejahteraan mustahik. Latar belakang penelitian ini adalah potensi besar zakat di Indonesia, khususnya di Jawa Timur, dan peran strategis BAZNAS dalam pengelolaannya. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data meliputi dokumentasi dan wawancara, dengan validitas data diuji melalui triangulasi sumber dan teknik. Analisis data dilakukan melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa model pemberdayaan yang diterapkan di BAZNAS Kabupaten Bangkalan dan BAZNAS Kota Surabaya disesuaikan dengan kebutuhan lokal masing-masing daerah. Strategi pemberdayaan mencakup pelatihan keterampilan, bantuan modal usaha, dan penguatan komunitas. Dari perspektif teori kesejahteraan Jamaluddin Athiyyah, khususnya dalam bidang ekonomi, program ini sejalan dengan prinsip kesejahteraan Islam yang meliputi pemenuhan kebutuhan dasar, penguatan solidaritas sosial, dan pemberdayaan individu. Program zakat komunitas ini terbukti berkontribusi dalam meningkatkan kesejahteraan dan kemandirian ekonomi mustahik, terlihat dari peningkatan pendapatan mereka. Meskipun demikian, ditemukan beberapa tantangan terkait amanah mustahik dalam pengelolaan bantuan. Kata Kunci: Pemberdayaan Mustahik, Zakat Komunitas, Teori Kesejahteraan Jamaluddin Athiyyah.
Kepatuhan Sharī’ah dalam Fundraising Zakat melalui E-Commerce Elizatun, Elizatun; Zainur Ridho
Maliyah : Jurnal Hukum Bisnis Islam Vol. 14 No. 2 (2024): Desember 2024
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2024.14.2.192-212

Abstract

Abstract: Zakat fundraising has been available in e-commerce features. However, with the development of this technology, new challenges arise, especially related to sharī'ah compliance. Where zakat is a religious obligation, its management must also be in accordance with sharī'ah principles. Thus, the background of this study aims to analyze how sharī'ah compliance can be guaranteed in fundraising zakat through e-commerce. This research applies qualitative method with descriptive approach. The data collection is in the form of documentation and interviews. The results of this study show that the basic practice of fundraising zakat through e-commerce is by muzaki choosing the type of zakat that will be submitted to mustahik through amil institutions that have partnered on the platform. After the zakat funds obtained from e-commerce are collected, they will be handed over to zakat institutions to be given to mustahik as stipulated in Islamic sharī'ah. However, in terms of sharī'ah compliance which is seen from the fulfillment of the pillars and conditions of zakat, transparency and accountability, and free from elements of usury, fundraising zakat through e-commerce is not yet in accordance with Islamic principles, which is one of them because the policies between e-commerce are different. So it is necessary to harmonize the regulations of the zakat institution. Keywords: sharī'ah compliance; zakat fundraising; e-commerce. Abstrak: Fundrasing atau penggalangan dana zakat telah tersedia pada fitur-fitur e-commerce. Namun dengan perkembangan teknologi ini, muncul berbagai tantangan baru, terutama terkait kepatuhan sharī’ah. Dimana zakat sebagai kewajiban agama, pengelolaannya juga harus sesuai dengan prinsip-prinsip sharī’ah. Dengan demikian, latar belakang kajian ini bertujuan untuk menganalisis bagaimana kepatuhan sharī’ah dapat terjamin dalam fundraising zakat melalui e- commerce. Penelitian ini menerapkan metode kualitatif dengan pendekatan deskriptif. Pengumpulan datanya berupa dokumentasi dan wawancara. Hasil dari penelitian ini menunujukkan bahwa praktik dasar fundrasing zakat melalui e-commerce yaitu dengan cara muzaki memilih jenis zakat yang akan diserahkan kepada mustahik melalui lembaga amil yang telah bermitra di paltform tersebut. Setelah dana zakat yang diperoleh dari e-commerce tersebut terkumpul, maka akan diserahkan kepada lembaga zakat untuk diberikan pada para mustahik sebagaimana ketentuan dalam sharī’ah Islam. Akan tetapi dalam hal kepatuhan sharī’ah yang dilihat dari terpenuhinya rukun dan syarat zakat, transparansi dan akuntabilitas, serta bebas dari unsur riba, fundrasing zakat melalui e-commerce belum sesuai dengan prinsip Islam, yang mana hal ini salah satunya karena kebijakan antar e-commerce berbeda-beda. Sehingga perlu penyelarasan peraturan dari lembaga zakat. Kata Kunci: kepatuhan sharī’ah; fundraising zakat; e-commerce.