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Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi
Published by Institut Agama Islam Negeri Bone
ISSN : 27970787     EISSN : 2798009X     DOI : https://doi.org/10.30863/alkharaj
Core Subject : Religion,
Religion
Al-Kharaj contains several studies and reviews on Sharia Economic Law which includes Economic Law, Fiqh Muamalah, and Sharia Economics also includes many studies on law in a broader sense.
Arjuna Subject : Umum - Umum
Articles 68 Documents
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TINJAUAN PRINSIP ‘ADALAH TERHADAP KONTESTASI PASAR TRADISIONAL DENGAN PASAR MODERN DI BARANTI KAB. SIDENRENG RAPPANG Hatta, Ulya; Damirah, Damirah; Suarning, Suarning; Muliati, Muliati; Bahri, Andi
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.9852

Abstract

Market contestation refers to the competition between traditional and modern markets in Baranti to attract consumers. This study aims to understand the reality of market contestation and the application of the ‘adalah principle in market competition. The research method used is qualitative descriptive, with field research as the primary approach. Data sources include primary and secondary data. Data analysis techniques include data presentation, data reduction, and conclusion drawing. The findings of this study are: (1) The competition between traditional and modern markets in Baranti, Sidenreng Rappang Regency is influenced by the existence of both market types, competition, and socio-cultural impacts. Although modern markets offer more comfort, traditional markets remain vital to the local community. Both markets can complement each other and provide significant benefits to Baranti residents if managed properly. (2) Markets in Baranti implement the ‘adalah principle in competition through three ways: enforcing fair pricing, avoiding uncertainty (gharar), and promoting ethical trading freedom. (3) The analysis of the ‘adalah principle can be realized by applying principles of transparency, objectivity, and accountability
KETAHANAN PANGAN RUMAH TANGGA PETANI DALAM TEKANAN PRODUKSI DAN KEBIJAKAN BANTUAN: ANALISIS LINTAS PROVINSI Noviar, Helmi; Badli, Saiful; Rizki, Darlin; Zulbaidi, Zulbaidi; Fadhlain, Said
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.11087

Abstract

Household resilience among farming communities remains a critical issue in Indonesia’s agricultural development, particularly amid persistent production constraints and heterogeneous policy interventions across regions. This study aims to examine the relationship between agricultural income, production-related challenges, and various forms of social and agricultural assistance in shaping farm household resilience across Indonesian provinces. The analysis employs data from the 2024 Agricultural Economic Survey (SEP), using provinces as the unit of analysis. The methodological approach combines descriptive statistics, classification of income-based resilience risk, partial correlation analysis, and multiple linear regression estimated using the Ordinary Least Squares (OLS) method. The results reveal substantial heterogeneity in farm household resilience across provinces. Provinces classified as high-risk are predominantly characterized by households in the vulnerable and moderately resilient categories, reflecting structural limitations in agricultural income and access to productive inputs. Regression estimates indicate that consumption-oriented assistance, particularly Village Fund Cash Transfers, has a negative and statistically significant association with the Food Security Index, whereas productive support in the form of subsidized fertilizer exhibits a positive effect, albeit with limited statistical significance. These findings suggest that assistance programs do not automatically enhance farm household resilience; rather, their effectiveness depends critically on the orientation and function of the intervention. The study underscores the importance of regionally differentiated policy approaches that integrate short-term social protection with long-term strategies aimed at strengthening agricultural productivity and income sustainability.
MONOPOLI (IHTIKAR) DALAM EKONOMI ISLAM DAN IMPLEMENTASINYA PADA REGULASI PERSAINGAN USAHA DI INDONESIA Sandy, Niken Baramurti Evieta Enggar; Khasanah, Umrotul
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.10998

Abstract

This study discusses the prohibition of monopolistic practices (ihtikar) from an Islamic economic perspective and its relevance to the implementation of business competition regulations in Indonesia. The purpose of this study is to analyze the compatibility between Islamic economic principles that emphasize justice, balance, and welfare with the provisions of positive law stipulated in Law Number 5 of 1999 concerning the Prohibition of Monopolistic Practices and Unfair Business Competition. The research method used is qualitative with a library research approach through analysis of various secondary sources such as books, scientific journals, and laws and regulations. The results show that Islam strictly prohibits the practice of ihtikar because it can create economic inequality, reduce public welfare, and violate the principles of justice and welfare. Meanwhile, national regulations through the role of the Business Competition Supervisory Commission (KPPU) have a similar goal, namely preventing market domination and ensuring the creation of healthy competition. However, the implementation of this policy still faces challenges, particularly in the context of the digital economy and weak law enforcement. Thus, the integration of Islamic economic values ​​in business competition regulations is necessary to strengthen the moral and ethical aspects of business, so as to create an economic system that is just, ethical, and oriented towards the welfare of society.
INFORMATION ACCESS AND LEARNING MEDIA EFFECTS ON ISLAMIC FINANCIAL LITERACY AMONG MADRASAH STUDENTS Rahman, Rahman; Syahriyah Semaun; Damirah; St Aminah; Muzdalifah Muhammadun
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.11321

Abstract

This study examines how access to information and learning media impact students' Islamic financial literacy in the digital era. This study uses a quantitative associative approach to analyze the influence of access to information and learning media on students' Islamic financial literacy in the digital era. Data were collected using a Likert-scale questionnaire and analyzed through descriptive statistics, Pearson correlation, and multiple linear regression with t-tests and F-tests. The findings indicate that access to information has a positive and significant effect on Islamic financial literacy. Learning media also exhibits a positive and significant effect, with a stronger effect than access to information. Together, both variables significantly influence students' Islamic financial literacy, highlighting the importance of an integrated learning approach. This study concludes that learning media and access to information significantly influence Islamic financial literacy, with learning media playing a more dominant role. These results suggest that policymakers and educational institutions should strengthen Islamic financial education through innovative and values-based learning media. Future studies are encouraged to incorporate additional factors to enrich our understanding of the development of Islamic financial literacy.
IMPLEMENTASI AKAD WAKALAH BIL UJRAH DALAM MEKANISME TIKTOK AFFILIATE PERSPEKTIF HUKUM EKONOMI SYARIAH Saidi, Rafli; Susilawati, Cucu; Nasrudin, Nasrudin
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.11434

Abstract

The development of digital technology has shifted consumer behavior from conventional to online transactions, triggering the emergence of social commerce innovations such as TikTok Affiliate. Although it provides economic convenience, this practice requires further review due to the risk of dishonest promotions for the sake of commissions, which potentially violates the values ​​of integrity in Islamic economics. This study aims to analyze the working mechanism of TikTok Affiliate and review its implementation and compliance with the principles of Islamic Economic Law, particularly through the perspective of the wakalah bil ujrah contract. The research method used is empirical juridical with a descriptive approach, referring to primary interview data and secondary literature studies. The results show that the TikTok Affiliate mechanism meets the requirements of muamalah in Islam. In practice, the wakalah bil ujrah contract can be implemented, where the seller (muwakkil) authorizes the affiliate (wakil) to promote the product in exchange for a transparent and pre-agreed commission (ujrah). Income from this program is considered legitimate according to Islamic law and the DSN-MUI Fatwa as long as the parties prioritize the principle of honesty and comply with the agreed contractual limits.
PERLINDUNGAN HUKUM TERHADAP NASABAH DALAM TRANSAKSI KEUANGAN SYARIAH DI INDONESIA Gaffar, Azis; Adryan, Muhammad
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.11396

Abstract

The development of the Islamic finance industry in Indonesia necessitates effective legal protection for customers, as they tend to occupy a weaker position in contractual relationships with Islamic financial institutions. Such legal protection is derived not only from national regulations but also from Islamic legal principles that emphasize justice, balance, and public welfare (maslahah). In practice, customer protection continues to face various challenges, particularly information asymmetry, the use of standardized contracts, and customers’ limited understanding of the legal consequences of the agreed-upon contracts. This study aims to analyze the legal position of customers in Islamic financial transactions, examine the implementation of customer legal protection within the national regulatory framework, and formulate an ideal concept of customer legal protection. This research employs a normative legal method with statutory and conceptual approaches. The findings indicate that although the existing regulatory framework provides a legal basis for customer protection, its implementation remains formalistic and suboptimal. Therefore, strengthening contractual transparency, balancing the bargaining positions of the parties, enhancing supervisory effectiveness, and improving legal and Islamic financial literacy are necessary to achieve fair and effective legal protection for customers.
REKONSTRUKSI FIQH MUAMALAH KONTEMPORER BERBASIS MAQĀṢID AL-SYARĪ‘AH Rudi Edwaldo Jasmit; Herdifa Pratama; Siti Yulia Makkininnawa; Bobby Ferly; Muhajirin Muhajirin; Landes Yuanda
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.11316

Abstract

Contemporary fiqh muamalah faces significant challenges in response to the development of modern economic practices characterized by transactional complexity, economic digitalization, and unequal economic relations. Within Islamic economic law, the development of fiqh muamalah remains largely dominated by a legal-formalistic approach that emphasizes the textual validity of contracts, while the objectives of Islamic law and the socio-economic impacts of transactions receive limited attention. This condition contributes to the weak realization of substantive justice in contemporary muamalah practices. This paper examines the problem of legal formalism in fiqh muamalah and analyzes the operational limitations of maqāṣid al-sharī‘ah in Islamic economic practice. Employing a normative–conceptual legal approach, the discussion focuses on reconstructing contemporary fiqh muamalah based on maqāṣid al-sharī‘ah by positioning legal objectives as the foundation of legal reasoning. The analysis demonstrates that such reconstruction requires the repositioning of maqāṣid al-sharī‘ah as an epistemological basis, the expansion of legal analysis from contractual relations to economic structures and impacts, and the affirmation of substantive justice as a key criterion of Sharī‘ah compliance. This approach is expected to strengthen the role of fiqh muamalah as a responsive, contextual, and justice-oriented framework within the development of Islamic economic law.
PERPANJANGAN WAKTU DAN TAMBAHAN BIAYA GADAI EMAS PERSPEKTIF HUKUM ISLAM: (Studi Kasus di Peagadaian Syariah Unit Bone) Nuraini Firsan; Asni Zubair; Firdaus Firdaus; Muammar Hasri; A. Sultan Sulfian
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.10464

Abstract

Abstract This study discusses the mechanism of extension of time and additional fees of pawning gold form an Islamic law perspective (case study at the bone unit of the Islamic pawnshop). The main focus is how the process is implemented and its compliance with sharia principles. The research method used is empirical juridical to analyse field practices and normative theological to assess sharia compliance. The results of the study indicate a lack of transparency and detailed information regarding the time extension mechanism and cost details for customers, even though the costs are claimed as mu'nah (maintenance/administrative) costs. This lack of detail and transparency creates gharar (uncertainty), which is prohibited under Islamic law due to its potential for harm and triggering disputes. This study recommends that Islamic pawnshop evaluate and revise their operational procedures, increasing transparency and clarity of information, to ensure full alignment with sharia principles that uphold fairness, openness, and the avoidance of gharar. Keywords: Gold pawn, time extension, Islamic law

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