cover
Contact Name
Ahmad Abbas
Contact Email
milkiyah.jurnalhes@stainmajene.ac.id
Phone
+628152320230
Journal Mail Official
milkiyah.jurnalhes@stainmajene.ac.id
Editorial Address
Jl. BLK Kelurahan Totoli Kabupaten Majene Sulawesi Barat, Indonesia
Location
Kab. majene,
Sulawesi barat
INDONESIA
Milkiyah: Jurnal Hukum Ekonomi Syariah
ISSN : -     EISSN : 25498312     DOI : https://doi.org/10.46870/milkiyah
Jurnal ini menyediakan kajian empiris dan teori yang berkontribusi pada area keilmuan hukum ekonomi syariah, serta ekonomi dan bisnis Islam.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 58 Documents
The Islamic Legal Framework of Sadd al-Zarī‘ah and Environmental Policy: Evaluating the Permissibility of Sea Sand Exports in Indonesia Ashfa Azyan Zulfany; Faishal Agil Al Munawar
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v5i1.1753

Abstract

As an archipelagic country rich in marine sand resources, Indonesia faces a critical dilemma between exploiting this potential for economic gain and ensuring the protection of its marine ecosystems. This issue is central to the analysis of Government Regulation No. 26 of 2023 concerning the Management of Sedimentation Products at Sea, which effectively reopens sea sand exports.  This study aims to examine the sea sand export policy regulated in Government Regulation No. 26 of 2023 and evaluate its compatibility with the Islamic legal principle of Sadd al-Zarī’ah, which prioritises the prevention of harm. Using a normative juridical method that combines legislative and conceptual approaches, this study analyses primary, secondary, and tertiary legal materials. The findings indicate that the regulation contradicts the principles of ecological justice and constitutional mandates (Articles 33 and 28H of the 1945 Constitution), lacks a solid delegative legal basis, and was formulated with insufficient public participation. From the perspective of Sadd al-Zarī’ah, this policy falls under the third category of zarī’ah classified by Ibn Qayyim. This is an action that is permissible (mubah) but causes significant harm (mafsadah). Given that all the conditions for applying Sadd al-Zarī’ah are met, Government Regulation No. 26 of 2023 is considered worthy of revocation and requires revision into a policy that is fair, environmentally friendly, sustainable, and in accordance with sharia and constitutional values. This study notes by urging policymakers to design regulations that truly balance economic interests with long-term ecological sustainability, integrate meaningful public participation, and adopt a preventive legal approach to prevent further environmental degradation.
Integrating Fiqh, Maqasid Sharīa, and ESG: A Proposed Framework for Risk Management in Islamic Banking Sandy Rizki Febriadi Sanusi; Zaini Abdul Malik; Ifa Hanifia Senjiati; Fitri Yuniawati
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v5i1.1783

Abstract

Islamic banks are undergoing rapid digital transformation, yet this shift brings new vulnerabilities and increases exposure to climate‑related risks. These challenges indicate that digitalisation is not merely a technological upgrade but a strategic evolution requiring Islamic banks to embed sustainability and resilience at the core of their governance systems. This study aims to explain the integration of Fiqh principles and Maqāṣid Sharīa in Islamic bank risk management and explore the relevance of ESG to risk management. It also seeks to develop an ESG framework aligned with Fiqh and Maqāṣid Sharīa. Using a qualitative descriptive case study approach, this research examines Bank Syariah Indonesia (BSI) as the primary unit of analysis. Data were collected through triangulation (semi‑structured interviews with Sharia authorities and practitioners), document analysis of BSI’s 2023–2024 Sustainability Reports, relevant regulations, and direct observation of ESG implementation. The findings reveal that Fiqh provides the legal foundation for risk governance, while Maqāṣid Sharīa functions as an ethical and teleological compass guiding decision‑making toward public welfare. ESG, in turn, offers operational tools that transform Sharia values into measurable sustainability practices. Evidence from BSI’s initiatives in sustainable financing and digital financial inclusion demonstrates that ESG can operate as a vital instrument for risk mitigation while simultaneously generating positive socio‑environmental impact. Key implications include the need for regulators to develop ESG reporting standards that are integrated with Islamic law, the importance of capacity building for Sharia Supervisory Boards and risk management teams, and the necessity of industry‑wide commitment to sustainability as a driver of long‑term competitiveness and institutional resilience.
Intentions of Halal Meat Exportation among Butchers in the Kano Abattoir Market: Empirical Insights from Nigeria Muhammad Mukhtar Idris; Muhammad Aminu Isa; Sagir Muhammad Sulaiman
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v5i1.1876

Abstract

The exportation of halal meat represents a strategic business opportunity for Nigeria, yet the potential contribution of local butchers to the global halal market remains largely underutilised. This study examines the determinants of butchers’ intention to export halal meat in the Kano abattoir market, focusing on the roles of perceived benefits, organisational commitment, and government support. Using a descriptive survey design, the study collected cross‑sectional data through self‑administered questionnaires and analysed the responses using Structural Equation Modelling (SEM). The findings reveal that perceived benefits and government support exert significant positive influences on butchers’ export intentions, whereas organisational commitment shows no significant effect. These results underline the importance of strengthening awareness of export-related benefits and enhancing government-led support mechanisms to stimulate participation in halal meat export activities. The study highlights the need for targeted sensitisation programs, strategic financial incentives, trade promotion initiatives, and improvements in organisational practices to cultivate a more export-oriented mindset among butchers in the region.
Jama'ah Tani Muhammadiyah: A Sharia-Compliant Agricultural Business Model Alfain Jalaluddin Ramadlan; Dian Berkah
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v5i1.2051

Abstract

Jama’ah Tani Muhammadiyah (JATAM) functions as a companion and protector of farmers with the primary aim of strengthening their independence and bargaining position within the agricultural system. This study analyses the business practices of JATAM through the lens of Islamic economic law. The research focuses on identifying the business model developed by JATAM and assessing the extent to which its operational practices align with Islamic economic principles. A qualitative descriptive approach was employed, using in‑depth interviews, field observations, and analysis of organisational documents and financial records. The findings show that JATAM implements a community‑based agricultural business model that collectively integrates production, capital, and marketing. JATAM acts as a facilitator by providing production inputs, offering farming assistance, and managing the distribution of agricultural products for its member farmers. This model reflects key Islamic economic principles, including the avoidance of usury, the application of profit‑sharing mechanisms, and the strengthening of mutual assistance (ta’awun). Its implementation contributes to improving farmers’ welfare, as evidenced by increased production capacity, fairer access to Sharia‑compliant capital, more equitable marketing systems, and stronger bargaining power for farmers. Despite these positive outcomes, several challenges remain, particularly in ensuring consistent adherence to Sharia principles. These challenges include weaknesses in financial documentation, limited clarity in the formulation of Sharia contracts, and the need for more professional and sustainable institutional development. The study highlights that applying Islamic economic principles within modern agricultural enterprises through community‑based institutional models such as JATAM offers a strategic pathway for strengthening the economic resilience of the ummah and empowering farmers.
Beyond Financial Outcomes: Evaluating the Multi-Dimensional Impact of Halal Certification on Food and Beverage MSMEs Andi Rabiul Auliadin; Sitti Aisya; Nur Syamsu; Syaakir Sofyan; Nuriatullah Nuriatullah
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v5i2.2064

Abstract

While existing research primarily emphasizes efficiency and market competitiveness, it often overlooks broader dimensions such as customer trust, internal processes, and organizational learning. This study investigates the multi-dimensional impacts of halal certification on MSMEs. Using the Balanced Scorecard framework, this qualitative case study examines the performance of food and beverage MSMEs in Palu City. Data were gathered from 16 purposively selected halal-certified MSMEs through semi-structured interviews and documentation, then analyzed thematically. The findings indicate that the most substantial impact of halal certification extends beyond financial outcomes, emerging most prominently within internal business processes, particularly in areas such as hygiene control, documentation, traceability, raw material selection, and production discipline. These improvements bolster customer trust and product legitimacy, which can facilitate broader market access and more stable sales. However, financial benefits tend to be indirect, depending on an MSME's ability to leverage certification for growth while managing compliance costs. Ultimately, this study highlights that halal certification serves not merely as a regulatory requirement, but as a vital organizational governance mechanism that strengthens business credibility and operational discipline
Women and Local Economic Resilience: Insights from Islamic Business Ethics in Maluku's Papalele Practices Arizal Hamizar; Fitria Karnudu; Nur Mizwary Mustamin; Aep Saefullah
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v5i2.2114

Abstract

The informal sector remains a critical source of livelihood in Maluku despite the province's strong economic growth. This study aims to analyze the role of Papalele women in strengthening local economic resilience, explore consumer behavior toward Papalele traders, and examine the implementation of the Islamic business ethics principle of ṣidq (truthfulness) in traditional market practices. A qualitative descriptive approach was employed in Ambon, Maluku. Data were collected through in-depth interviews with Papalele women traders and consumers, complemented by participant observation and documentation. The data were analyzed using the Miles and Huberman interactive model. The findings reveal that Papalele women serve as key economic actors who sustain household livelihoods and function as shock absorbers in the local economy amid economic and environmental uncertainties. Their contributions extend beyond income generation to maintaining the circulation of local goods and supporting community welfare. Consumer engagement with Papalele traders is shaped by three interrelated factors: trust, time efficiency, and social solidarity. Furthermore, the principle of sidq is practiced through honesty, transparency, and fairness in transactions, enabling traders to build consumer trust, reduce transaction uncertainty, and strengthen long-term market relationships. This study implies that local economic resilience is not solely determined by macroeconomic growth but is also sustained by women-led informal economic activities grounded in ethical values. The findings highlight the importance of integrating Islamic business ethics into community-based economic development strategies while recognizing the significant contribution of women traders to resilient and inclusive local economies
Social Capital, Accountability, and Rural Waqf Governance: A Proposed Model for Sustainable Community-Based Waqf Management Sitti Mukarramah; Iqbal M. Aris Ali; Basirun Ningsih; Rosita Alting; Akhmad Roja Badrus Zaman
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

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

Abstract

This study examines rural waqf governance developed through informal mechanisms grounded in trust, social capital, and community-based practices in Woka Jaya Village, East Halmahera. The study aims to formulate an integrated rural waqf governance model that explains how spiritual values, local social relations, asset utilization, and accountability practices interact in sustaining waqf management. Using an interpretive qualitative case study, the research involved eight purposively selected informants representing waqif, nazhir, beneficiaries, and the village government. Data were collected through in-depth interviews, participant observation, and document review, then analyzed thematically through data reduction, theme coding, data presentation, and interpretive conclusion drawing, supported by source and method triangulation. The findings show that waqf governance is shaped by the values of trustworthiness, worship, mutual cooperation, deliberation, and confidence in religious leaders. Waqf assets are utilized in the form of land for religious and educational facilities, coconut plantation benefits for social and religious financing, and community labor for collective activities. Downward accountability is practiced through oral transparency, direct communication, community forums, and deliberative decision-making, although legal formalization, documentation, financial recording, and administrative continuity remain limited. The study proposes a Social Capital-Based Integrated Rural Waqf Governance Model comprising six dimensions: spiritual values, social capital, nazhir legitimacy, transformation of local assets, downward accountability, and modern institutional reinforcement. The study contributes theoretically by positioning social capital as a governance mechanism and contributes practically by emphasizing the need to integrate local values with asset legalization, documentation, transparent reporting, nazhir professionalization, and gradual digital accounting for sustainable rural waqf management.
Reconstructing Zakatable Assets in Insurance and Takaful under MUIS Singapore Guidelines through the Doctrine of Al-Milk al-Tām Agie Hilal Azizi; Fuad Thohari; Euis Amalia; Nurhasanah Nurhasanah; Nisrina Mutiara Dewi
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

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

Abstract

The determination of zakatable assets in insurance and takaful remains a contemporary issue in Islamic jurisprudence, particularly regarding the requirement of complete ownership (al-milk al-tām). This study examines the construction of zakatable assets under the Singapore Islamic Religious Council (MUIS) guideline and evaluates their conformity with the doctrine of al-milk al-tām. Employing a normative juridical method with conceptual and uṣūl al-fiqh approaches, the study analyses the MUIS guideline, zakat calculator, and institutional clarification to examine the legal basis for determining zakatable assets in insurance and takaful. The analysis demonstrates that MUIS consistently identifies surrender value as the zakatable asset in conventional insurance. In the case of takaful, the available normative and institutional materials allow the reconstruction of four possible legal constructions concerning annual premium, cumulative premium, and cash value as potential zakatable assets. The findings indicate that premium-based constructions encounter difficulties under the doctrine of al-milk al-tām because contributions allocated to the collective tabarru’ fund are no longer subject to the participant’s exclusive ownership and control. By contrast, cash value provides the closest approximation to al-milk al-tām because it represents an identifiable and claimable financial entitlement. Nevertheless, its definitive juristic status remains dependent on whether the claimable amount exclusively reflects the participant’s proprietary investment interest or also incorporates elements attributable to the collective tabarru’ fund. The study contributes to contemporary Islamic legal scholarship by demonstrating that the doctrine of al-milk al-tām offers a coherent analytical framework for distinguishing contractual contributions from claimable financial entitlements in determining zakatable assets within contemporary insurance and takaful arrangements.