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Islamic Circle
Published by Sekolah Tinggi Agama Islam Negeri Mandailing Natal
ISSN : 27223507     EISSN : 27223493     DOI : -
Core Subject : Religion,
Religion
Jurnal Islamic Circle adalah Jurnal Program Studi Hukum Ekonomi Syariah (Muamalah) yang memuat solusi dari problematika ekonomi kontemporer dalam perspektif hukum Islam. Jurnal ini diterbitkan oleh Program Studi Hukum Ekonomi Syariah (Muamalah) Sekolah Tinggi Agama Islam Negeri Mandailing Natal.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 201 Documents
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The Practice of Remarriage After Divorce Outside the Religious Court: A Case Study in Tatengger Village Angkola Muara Tais Subdistrict Dinda Asrona; Ibrahim Siregar; Uswatun Hasanah
Islamic Circle Vol. 6 No. 2 (2025): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v6i2.3032

Abstract

Divorce outside the Religious Court is still a common practice among Muslim communities, including in Tatengger Village, Angkola Muara Tais District, and raises further legal issues regarding marital status and remarriage practices. This study aims to analyze the implementation of remarriage after divorce outside the Religious Court and review it from the perspective of Islamic law and Indonesian positive law. This study uses a qualitative method with a normative and empirical juridical approach, through field studies and literature studies. Data was obtained through interviews with married couples, religious leaders, and community leaders, then analyzed descriptively and analytically. The results of the study show that remarriage is carried out as a form of precaution (Ihtiyati) to maintain the validity of the husband and wife relationship due to doubts about the status of divorce. In Islamic law, this practice is related to the concept of Tajdid Al-Nikah, which has certain legal implications, while in positive law, this practice has no legal force and has the potential to cause legal uncertainty. This study emphasizes the need for harmonization between Islamic law and state law in family law practice.
Analysis of the Potential of Gold Instalments as an Alternative Sharia Investment for UMKM in an Era of Global Economic Uncertainty Vika Miftahul Jannah; Stevanus Antoni.R; Anne Monika Fristy
Islamic Circle Vol. 6 No. 2 (2025): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

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Abstract

This study analyzes the potential of gold installment schemes as a sharia-compliant investment alternative for micro, small, and medium enterprises in the context of global economic uncertainty. The background of the research highlights the need for UMKM to access safe, stable, and sharia-based investment instruments. The study aims to explain how gold installment schemes can function as an asset diversification mechanism and a tool for strengthening financial resilience. Using a descriptive qualitative approach, the methodology incorporates literature review, field observation, and interviews with UMKM actors and officers of sharia financial institutions. The findings indicate that gold installment schemes are viewed as accessible, affordable, and stable investment instruments that appeal to UMKM. Interview results reveal that such schemes support financial discipline while providing a sense of security in managing assets amid economic fluctuations. The discussion affirms consistency between the study’s findings and existing literature on gold as a safe haven asset while highlighting its relevance in the development of sharia investment products. The study concludes that gold installment schemes have strong potential to support UMKM financial resilience and should be enhanced through literacy programs, product innovation, and institutional reinforcement. This research contributes theoretical and practical insights to the advancement of Islamic economic studies.
Limitations of Viewing in Khitbah: A Comparative Study of the Thoughts of Ibn Hazm and Wahbah Az-Zuhaili and Their Relevance to Indonesian Muslim Culture Amrin Borotan; Sahrin
Islamic Circle Vol. 6 No. 2 (2025): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

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Abstract

Khitbah is a pre-marital phase recognised in Islamic jurisprudence as a means of Ta’ruf before the marriage contract is concluded. One important issue in khitbah is the limits of what is permissible in terms of seeing one's prospective spouse, which in practice is often misunderstood and exceeds the limits of Sharia ethics, especially in the context of modern Muslim society. This study aims to analyse the concept of limits on seeing in khitbah according to fiqh, conduct a comparative study of the thoughts of Ibn Hazm and Wahbah Az Zuhaili, and examine its relevance to Indonesian Muslim culture. This study is a normative Islamic legal study with a comparative approach, using a literature study of classical and contemporary fiqh books as the main source. The results show that Ibn Hazm permits viewing all parts of the prospective spouse's body based on the textual approach of the Zahiriyah school of thought, while Wahbah Az Zuhaili limits it to only the face and both palms out of caution and to prevent mafsadat. In the context of Indonesian Muslim culture, where the meaning of khitbah has shifted to resemble dating, the views of the majority of scholars as explained by Wahbah Az Zuhaili are considered more relevant for maintaining pre-marital social ethics. This study emphasises that restrictions on viewing during khitbah have practical implications for the moral and social development of Muslim communities
Strategies for Productive Zakat Management to Improve the Well-being of Mustahik at Baznas in Padangsidimpuan City Mita Medina Dalimunthe; Darwis Harahap; Sarmiana Batubara
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

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Abstract

Poverty remains one of the major socio-economic challenges in Indonesia, including in Padangsidimpuan City. Productive zakat has significant potential as an Islamic social finance instrument to empower beneficiaries (mustahik) and improve their economic welfare sustainably. However, its implementation continues to face several challenges, including the predominance of consumptive zakat distribution, limited public awareness of zakat obligations, and insufficient productive zakat funds. This study aims to analyze the management strategies of productive zakat, identify the obstacles encountered in its implementation, and evaluate its effectiveness in improving the welfare of mustahik at the National Zakat Agency (BAZNAS) of Padangsidimpuan City. This research employed a qualitative descriptive approach. Data were collected through observations, in-depth interviews, and documentation, and analyzed using data reduction, data display, conclusion drawing, and NVivo software. The study is grounded in George R. Terry's management theory, encompassing planning, organizing, actuating, and controlling, combined with the concept of productive zakat as an instrument for economic empowerment. The findings indicate that productive zakat management has been implemented through business capital assistance, provision of production facilities, mentoring, and continuous monitoring. These programs have contributed to increasing beneficiaries' income, economic independence, and overall welfare. Nevertheless, the program's effectiveness remains constrained by limited productive funds, low participation of muzakki, and the need for stronger collaboration and sustainable mentoring to achieve optimal empowerment outcomes. This study contributes to the literature on Islamic social finance by proposing a productive zakat management framework based on George R. Terry's management functions and providing practical recommendations to strengthen productive zakat governance in supporting sustainable economic empowerment of beneficiaries
Strategy for the Development of Micro, Small and Medium-sized Enterprises (MSMEs) Based on Collaborative Governance in South Tapanuli Aida Mahrani Siregar; Darwis Harahap; Rukiah Lubis
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/c8xq3488

Abstract

This study aims to analyze the development strategy of Micro, Small, and Medium Enterprises (MSMEs) based on collaborative governance in South Tapanuli Regency. The study employed a qualitative approach, with data collected through observations, interviews, and documentation. The research informants consisted of MSME owners, PT Agincourt Resources, Bagas Silua, the Department of Trade and Cooperatives for MSMEs, and the Department of Investment and One-Stop Integrated Services. The findings indicate that MSME development is significantly influenced by collaboration among the government, the private sector, and MSME actors. The government plays a vital role in facilitating business legalization, providing guidance, training, and mentoring, while the private sector contributes to capacity building and product marketing. Internal factors, such as managerial capability, creativity, and entrepreneurial independence, as well as external factors, including policy support, training programs, and strategic partnerships, also affect the success of MSMEs. The collaborative governance model, implemented through cross-sectoral coordination and the active involvement of MSME stakeholders, has proven effective in enhancing business capacity, improving competitiveness, and increasing the contribution of MSMEs to local economic growth in South Tapanuli Regency.
Implementation of Rahn in Islamic Financial Institutions in Indonesia: Operational, Economic, and Regulatory Analysis Nur Sania Dasopang; Adli Siregar
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

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Abstract

This study aims to analyse the implementation of the rahn contract in Islamic financial institutions in Indonesia, with a focus on operational mechanisms, economic benefits and regulatory challenges. This study employs a qualitative-descriptive approach using a literature review method, examining primary data comprising Islamic banking regulations, DSN-MUI fatwas, and Sharia principles, as well as secondary data from OJK reports, academic journals, and publications by Islamic financial institutions. The research findings indicate that the rahn contract is an Islamic financial instrument that enables customers to obtain qardh-based loans by pledging movable assets as collateral, whilst the institution receives ujrah as remuneration for storage services. The operational mechanisms implemented at Pegadaian Syariah and Islamic banks are in line with Sharia principles, particularly regarding the separation of loan value and service fees. Economically, rahn makes a significant contribution to enhancing financial inclusion, particularly for low-income communities requiring quick and secure access to funds. However, this study also identified several regulatory challenges, such as inconsistencies between regulations from the OJK, BI, and DSN fatwas, low public literacy regarding rahn, as well as operational risks such as moral hazard and inaccurate asset valuation. This study underscores the need to strengthen policies and standardise mechanisms so that the implementation of rahn contracts becomes more effective and provides added value for the development of Islamic finance in Indonesia
Online Loans in Muslim Families: A Fiqh al-Muamalah Analysis of Debt Responsibility and Family Resilience Andri muda Nst; Nelviani Nst
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v7i1.3067

Abstract

This study analyses the practice of online lending within Muslim households from the perspective of muamalah fiqh, the liability of husbands and wives for debt under Islamic family law, and its implications for family resilience within the maqashid al-sharia. The proliferation of online lending, with outstanding balances approaching Rp95 trillion by the end of 2025, has triggered domestic conflicts and even divorce. This normative-empirical qualitative study combines an analysis of fiqh texts, DSN-MUI fatwas, the Compilation of Islamic Law, and interviews with couples using online loans, scholars, religious counsellors, and academics in the city of Padangsidimpuan. The research findings reveal three key points. Firstly, conventional online lending is not Sharia-compliant as it involves riba through interest and cumulative penalties, gharar due to unclear information, and problematic multiple contracts that contravene DSN-MUI Fatwa No. 117/2018. Secondly, debt liability is personal if the spouse is not involved (Article 93(1) of the Islamic Family Law), becomes a joint liability if for the family’s benefit (Article 93(2) of the Islamic Family Law), and cannot be imposed on a spouse who is unaware of the unilateral debt. Thirdly, online lending threatens family resilience in multiple dimensions: eroding assets, endangering lives through psychological pressure, impairing mental well-being, damaging the family through divorce, and eroding religious values. The vulnerability of women, who account for 62.14% of online lending victims, underscores the urgency of protecting vulnerable groups. This study recommends strengthening Islamic financial literacy, regulating spousal consent, and developing Sharia-compliant fintech based on qardh al-hasan.
Analysis of the Principles of Ushul Fiqh in Addressing the Acceleration of Innovation in Sharia-Compliant Digital Economic Products Hasir Budiman Ritonga; Amrin Borotan; Ahmad Rofi'i Harahap
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v7i1.3072

Abstract

The innovation of digital economic products such as sharia e-wallets and sharia crowdfunding presents methodological challenges to the contemporary Islamic legal framework. This research aims to analyze the application of Ushul Fiqh principles as evaluative instruments for the dynamics of digital economic product innovation in Indonesia. The research method employed is qualitative with a normative-juridical approach and library research. The results indicate that the principle of al-ashl fi al-mu’amalah al-ibahah provides a space for legalizing technological innovation, while the principles of sadd al-dzari’ah and Maqasid Syari'ah function as risk mitigation instruments against gharar and speculation. The analysis of sharia e-wallets and crowdfunding suggests that sharia compliance relies not only on the formality of contracts but also on the accountability of fund management and consumer protection (hifdz al-maal). This study concludes that synergy between contemporary ijtihad, cross-disciplinary collaboration (fiqh experts, technologists, and economists), and the active role of fatwa institutions (DSN-MUI) is crucial in creating a harmonious, transparent, and equitable digital ecosystem.
Legal Protection of Workers’ Rights in Employment Relationships in Indonesia: A Normative Analysis and Implementation Idris. Idris; Muhammad Dhobit Azhary Lubis
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

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Abstract

The enactment of Law Number 13 of 2003 concerning Manpower was motivated by the disadvantaged position of workers in employment placement and industrial relations systems that accentuated unequal positions and conflicting interests, rendering previous regulations inadequate for contemporary demands. This study aims to analyze the implementation of legal protection for workers’ rights within employment relations in Indonesia, and to identify barriers and corresponding remedial efforts. Employing a normative juridical approach with qualitative-deductive analysis, this research reveals that despite juridical equality between workers and employers under Pancasila, the 1945 Constitution, and Law No. 13/2003, practical asymmetries in power relations persist, undermining the fulfillment of workers’ fundamental rights. Key obstacles include regulatory loopholes, non-egalitarian legal culture, weak enforcement oversight, and companies’ financial constraints. Addressing these issues requires state intervention through regulatory refinement, strengthened labor supervision, and dispute resolution mechanisms that prioritize substantive justice over mere contractual freedom. This study contributes to mapping the dichotomy between protective norms and field implementation, while offering actionable policy recommendations.
The Impact of Inflation, Poverty Rates and Unemployment on Indonesia’s Economic Growth, with the Human Development Index as an Intervening Variable winda sari siregar; Rukiah; Budi Gautama Siregar
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

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Abstract

Indonesia's economic growth conditions according to data presented by BPS in the 2018-2024 period, namely the period before and after the Covid-19 event tended to stagnate at around 5 percent per year. There are several macroeconomic problems that cause low Indonesian economic growth, including inflation, poverty rates, and unemployment, as well as the Human Development Index (HDI). This type of research is a quantitative causality approach with time series data. The research period is 2028-2024 in Indonesia. The population in this study is Indonesian economic growth data reflected in GDP, inflation, poverty rates, unemployment, and HDI from 2018-2024 in the form of monthly data. So the population in this study is 84. The sampling technique used is saturated sampling, namely all 84 populations are used as samples. Data analysis techniques used are normality tests, multicollinearity, heteroscedasticity, autocorrelation, coefficient of determination tests, partial tests, simultaneous tests, and Sobel tests. The findings in this study are that inflation and unemployment do not affect the HDI, poverty affects the HDI, there is an influence of the HDI, inflation, and poverty on economic growth, and the HDI cannot mediate the relationship between inflation, unemployment and economic growth, and there is an influence of poverty on economic growth mediated by the HDI

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