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AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Published by Sekolah Tinggi Ilmu Islam dan Bahasa Arab Makassar
ISSN : -     EISSN : 28301455     DOI : 10.36701
Core Subject : Religion,
Religion
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam is a scientific journal in the field of mualamah and Islamic economics studies published twice a year (May and November) by the Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, Indonesia. It is open for all academics, practitioners, intellectuals, and students with the specification of the study of mualamah and Islamic economics. Ideas covering research article, conceptual idea, review of the literature, and practical experience. The scope of AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam are limited to Fiqh of Muamalah, Islamic Economics, Islamic Banking and Finance, Islamic Economic Management, Islamic Economics Law, Management of Zakat, Infaq, Sadaqah, and Waqf, Islamic Entrepreneurship and Business, Islamic Economics Thought, Islamic Insurance, Islamic Accounting, Halal Management, etc. The article will be published in Indonesian, English, and Arabic language. Authors who want to submit their manuscript to the editorial office of AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam should obey the writing guidelines. If the manuscript submitted is not appropriate with the guidelines or written in a different format, it will be rejected by the editors before further reviewed. The editors will only accept the manuscripts which meet the assigned format. AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam also has a CrossRef Member. Therefore, all articles published by AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam will have unique DOI number.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 75 Documents
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Investigasi Kualitatif pada Faktor-faktor yang Mendorong Minat Masyarakat terhadap Penggunaan Bank Syariah di Indonesia: A Qualitative Investigation of the Factors Driving Public Interest in the Use of Sharia Bank in Indonesia Rizka Nabilah Al-Wakhidah; Muhammad Yazid
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.1823

Abstract

Islamic banking is present as a solution to the conventional banking system, by offering products that are in accordance with Islamic principles, Islamic banking has succesfully developed in Indonesia. This research aims to identify the factors that drive people’s interest in using the products. Using a qualitative approach, this study collected data trhough interviews with informants who have experience or interest in Islamic banking products. The results show that the factors that influence people’s interest in using Islamic bank products and services are driven by the awareness of halal principles and the concept of usury, people are also very satisfied with the administrative costs wich are considered lower than the administration of conventional banks. In addition, the variety of Islamic bank products has also succeesed in attracking public attention. This has a positive impact on the national economy. However, the level of public understanding of these products still needs to be improved. Some complex Islamic products are often insufficiently understood by the general public, therefore, more intensive education is needed tp maximize the utilization of sharia financial products.
Sanksi Denda Uang bagi Pelanggar Peraturan dalam Perspektif Hukum Islam: Studi Kasus Penerapan Peraturan Asrama Putri Ma'had Al Ishlah Maros Tahun 2019-2020: Monetary Penalties for Rule Violations in Islamic Law Perspective: A Case Study on the Implementation of Regulations at Ma'had Al Ishlah Female Dormitory, Maros (2019–2020) Riska, Riska; Farida Aprianti; Muqnitah, Muqnitah; Awal Rifai
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 4 No. 2 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i2.1827

Abstract

The application of monetary penalties as a disciplinary measure in Islamic law has sparked diverse scholarly debates, particularly regarding its validity and conditions for implementation. This study examines the regulations and enforcement of monetary penalties at the female dormitory of Ma’had Al-Ishlah Maros during 2019–2020, aiming to analyze their alignment with Islamic jurisprudence. The primary research questions address (1) the rules and practices surrounding monetary penalties in the dormitory and (2) the Islamic legal perspective on their implementation. This research employs a qualitative field study (Field Research) with a case study approach. Data collection methods include observation, interviews, and documentation, analyzed through normative theological and sociological perspectives. The findings reveal that monetary penalties were applied in three administrative domains: language, cleanliness, and memorization (tahfīẓ), based on a verbal consensus between the dormitory administrators and students. In Islamic jurisprudence, the discourse on monetary penalties is divided: some scholars permit it under judicial authority for public welfare, while others, upheld by the majority (jumhūr), categorically prohibit it, citing the principle of safeguarding Muslim property and avoiding unjust enrichment. Fatwa from Lajnah Daimah supports the prohibition of monetary penalties imposed without legitimate religious authority, even when agreed upon consensually. This study contributes to the discourse on disciplinary measures in Islamic educational settings by exploring the tension between contemporary practices and classical jurisprudence. It highlights the need for further refinement of disciplinary frameworks in Islamic boarding schools to ensure compliance with Shariah principles and foster ethical governance.
Urgensi Implementasi Green Ekonomy terhadap Pemeliharaan Jiwa Manusia (Hifz Nafs) Perspektif Al-Qur’an: The Urgency of Implementing Green Economy towards the Preservation of the Human Soul (Hifz Nafs) from the Perspective of The Qur’an Fatmawati, Fatmawati; Achmad Abubakar; Sohrah, Sohrah; Heri Iswandi
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.1829

Abstract

This study aims to analyze how the urgency of implementing the green economy on the maintenance of the human soul (Hifz Nafs) perspektif al quran. This research is a qualitative study by conducting library research. The data in the study was obtained by conducting content analysis of sources that have relevance to the topic of research conducted. The results of the study indicate that the importance of implementing the green economy concept in the economy is First, in general, environmental damage that occurs comes from economic activities carried out by individuals in households and by industry. Second, environmental maintenance is part of maintaining human survival (hifz Nafs), and environmental damage is a threat to human survival. Third, the concept of green economy is in line with the goals of the Indonesian national economy as stated in the Constitution Article 33 paragraph 4. Fourth, in the Koran it is clearly stated that the purpose of humans being created was as caliphs who were responsible for making the earth prosperous, not vice versa.
Perlindungan KUH-Perdata dalam Pemutusan Sepihak pada Kontrak Kerja Tinjauan Fikih Muamalah : Civil Code Protection in Unilated Termination of Employment Contracts in Fikih Muamalah Review Iskandar, Iskandar; M. Dzulfaldi S.; Srydewi Awaliani Syaputri
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 4 No. 2 (2024): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v4i2.1841

Abstract

The legal protection of the Civil Code and muamalah jurisprudence is needed to answer and provide a solution to problems related to unilateral termination of employment relations by a company or limited liability company or individual that occurs in society. This research aims to analyze the protection provided by the Civil Code (KUH-Perdata) in the context of unilateral termination of employment contracts with a review of the principles of muamalah fiqh. The research results show: First, the Civil Code provides protection for workers affected by unilateral termination of employment contracts through various provisions that regulate workers' normative rights, including the right to income, benefits and protection against discrimination. Second, muamalah fiqh has several principles that are relevant in assessing the validity and justice of unilateral termination of an employment contract, such as justice, agreement, fair compensation, freedom of contract and must be carried out taking into account sharia principles, such as fairness, honesty and equality. Therefore, the parties involved in an employment contract must understand and respect each other's rights. Third, regarding the provisions of the Civil Code which regulate unilateral termination of employment contracts, it can be concluded that most of the principles of muamalah fiqh are reflected in Indonesian civil law. However, there is still room for increasing protection for workers in unilateral termination in accordance with the values ​​of muamalah fiqh.
Pemanfaatan Media Sosial Instagram sebagai Islamic Digital Marketing Promosi Lingerie pada Akun Wifeonly: The Utilization of Instagram Social Media as Islamic Digital Marketing for Lingerie Promotion on the Wifeonly Account Vina Urwatul Wutsqo
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.1929

Abstract

Lingerie is a category of women's underwear that implies that it is attractive, fashionable or both. Lingerie is made of light, elastic, smooth, thin, or decorative fabrics such as silk, satin, spandex, chiffon or lace. Wifeonly is a brand owned by Meilia, an entrepreneur from Semarang who initially sold books but shifted to the underwear fashion business due to a continuous decline in book sales. Now wifeonly produces underwear & herbs such as panties, bras and lingerie. Uniquely the system that meilia builds in her business is a Syar'i system or Islamic marketing and makes Instagram the only media to sell her products. The theory used in this research is Islamic digital marketing. This study aims to find out the efforts and attention of business owners in applying the halal system to the products they sell even though their superior products are very vulnerable to being judged negatively in terms of the intended use. The method used in the research is field research, namely a research method that collects data directly in the field, involving observation, interviews, and documentation to understand phenomena in their original context. Now Wifeonly, whose business is rapidly on social media, has a follower of 40,600 people with a turnover of hundreds of millions per month, has answered questions and concerns of some parties about its business, especially the purpose and purpose of using its main product, namely lingerie. The results of the analysis that has been carried out that Wifeonly has implemented Islamic values from the Islamic digital marketing concept.
Tinjauan Hukum Islam terhadap Penerapan Praktek Ju‘ālah Ternak Sapi dalam Mudarabah (Studi Kasus Desa Bontomanai Kecamatan Rilau Ale Kabupaten Bulukumba) : Islamic Law Review of the Application of the Practice of Ju‘ālah Cattle in Mudarabah (Case Study of Bontomanai Village, Rilau Ale Subdistrict, Bulukumba Regency) Sam, Zulfiah; Syamsiah Nur; Risdayani, Risdayani; Srimustika, Srimustika
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.1954

Abstract

The Islamic economic system is very much needed as in the application of cooperation contracts and profit sharing in the field of animal husbandry, especially in villages that depend on cattle farming as a source of income. This research aims to analyse the application of mudarabah concept in cattle ju'ālah contract in Bontomanai Village, Rilau Ale Sub-district, Bulukumba Regency. This research uses qualitative field research with research approaches including normative, descriptive, and case study approaches. The results showed that the mechanism for implementing the cooperation contract in Bontomanai Village involves the investor who provides the mother cow and the mudarib who maintains it, the profit sharing is divided according to the initial agreement agreed by both parties. as for any losses, it will be fully borne by the owner of the capital, unless the loss is caused by the negligence of the mudarib. In the distribution of profits, both parties agree to share the results of 1 calf for the capital owner at the first birth of the mother cow and 1 calf for the farmer at the second birth of the mother cow. The practice of applying mudarabah with ju'ālah profit sharing is in accordance with the principles of Islamic law, as long as both parties comply with the initial agreement that has been agreed upon and are able to overcome the garar contained in this profit-sharing cooperation. The implications of this research are expected to contribute to the development of literature on the application of sharia contracts in the livestock sector and can be a reference for village communities that have the same potential, especially in mudarabah contracts with ju'ālah profit sharing contracts in cattle.
Sistem Reseller pada Transaksi Jual Beli dalam Perspektif Fikih Muamalah : Reseller System in Buying and Selling Transactions from the Muamalah Fiqh Perspective Rosmita, Rosmita; Nur Aidah
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.2027

Abstract

This research aims to find out and understand the reseller system in buying and selling transactions from the perspective of muamalah fiqh. This research uses a type of qualitative descriptive research which focuses on the study of manuscripts and texts. The results of this research found that first, the reseller system used in buying and selling transactions is a supporter in the smooth running of buying and selling transactions. As is known, a reseller is a person who resells goods after he has bought them, where he can increase or exceed the price of the goods from the initial or previous price. The reseller system nowadays is really needed because with this system buying and selling transactions can run smoothly and is very helpful for sellers in developing their products so that everyone knows them. Second, the reseller system is allowed. Because this system also includes buying and selling transactions which are permitted in Islam. Because resellers also include contracts or exchange transactions (money from the buyer and goods from the seller). So, just as buying and selling is permitted in the Qur'an and Sunah, so are resellers as long as they fulfill the terms and conditions of buying and selling.
Analisis Fikih Muamalah terhadap Akad Kerjasama Sponsorship Perusahaan Rokok dalam Kegiatan Keagamaan : Muamalah Fiqh Analysis of Cigarette Company Sponsorship Cooperation Agreements in Religious Activities Andi Dahmayanti; Risdayani, Risdayani; Munawara, Munawara; Hayyul Maryam
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.2040

Abstract

This research examines the sponsorship contract of cigarette companies in religious activities according to fiqh muamalah in line with the rise of this phenomenon in Indonesian Muslim society. This research aims to find out and understand the muamalah fiqh on sponsorship contracts related to the law of cooperation with cigarette companies in religious activities. This research uses descriptive qualitative research, which takes data sources from library books (library research) using a normative approach that uses the Qur'an and sunnah as the main reference and a sociological approach analysing interrelated social structures. The results showed that cigarette companies as sponsors in the religious field, which is seen as a condition inversely proportional to religious goals. Religion teaches us about taking care of ourselves, not doing damage on earth and not oppressing others. So that by sponsoring religious activities, it seems to support the spread of smoking itself, which we already know has a negative impact on the health of the body. The original law of the contract is valid, what is being discussed is the halalness of the object of the goods being promoted. This contract is not valid considering the harm and the law of this cigarette. This research is expected to contribute and become one of the sources of knowledge for knowledge seekers in knowing the law of sponsorship cooperation contracts in cigarette companies.
Syirkah al-Wujūh Perspektif Mazhab Syafii dan Mazhab Hambali: Syirkah al-Wujūh from the Perspective of the Shafi'i and Hanbali Schools of Thought Muttazimah, Muttazimah; Kurnaemi Anita; Nur Ismi Auliah
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.2062

Abstract

Syirkah al-Wujūh is a partnership contract between two individuals who do not possess capital but rely on their social reputation and credibility in the community. This study aims to understand the concept of syirkah al-wujūh from the perspectives of the Shafi'i and Hanbali schools and to determine which opinion is more authoritative between them. This research employs a qualitative descriptive approach (non-statistical), focusing on the study of textual sources using normative and comparative approaches. It examines various aspects by relying on secondary sources from the Qur’an, Hadith, and the views of scholars in fiqh literature discussing syirkah al-wujūh. The findings of this research are as follows: First, according to the Shafi'i school, syirkah al-wujūh is a cooperation contract between two parties who share the profits obtained from purchasing goods based on their social reputation. Meanwhile, the Hanbali school defines syirkah al-wujūh as a partnership between two or more individuals who share profits from goods purchased on a deferred payment basis, relying on their social credibility. Second, the two schools differ in their interpretation of the syirkah al-wujūh contract, leading to different legal rulings regarding its validity. The stronger opinion between the two ultimately refers to the general legislation on syirkah, as there is no explicit evidence permitting or prohibiting specific forms of syirkah, including syirkah al-wujūh. The implication of this research is that it can serve as a reference for resolving community issues related to syirkah al-wujūh and as a guideline for entrepreneurs or business practitioners facing similar situations.
Opportunity, Challenge, and Strategy of Media in Increasing Waqf Literacy: Correlation and Thematic Interpretation of Relevant Quranic Verses: Peluang, Tantangan, dan Strategi Media dalam Meningkatkan Literasi Wakaf: Korelasi dan Interpretasi Tematik Ayat Al-Qur’an yang Relevan Azwar, Azwar; Achmad Abubakar; Muhammad Irham
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.2167

Abstract

This study aims to analyze the role of media in enhancing waqf literacy in Indonesia by identifying the opportunities, challenges, and strategies that can be implemented through the integration of thematic interpretations of relevant Quranic verses. This research employs content analysis and thematic interpretation methods to examine the Quranic verses relevant to the research topic. Data are collected from various literature sources, focusing on verses related to charity and waqf, as well as studies concerning media that enhance public understanding of waqf. The results indicate that both mass and digital media play a significant role in improving waqf literacy through strategic information dissemination tailored to audience characteristics. The use of modern technology, collaboration with waqf institutions and religious communities, and real-time analytics present substantial opportunities to broaden public understanding of waqf. However, challenges include a lack of in-depth understanding of waqf among journalists, competition with sensational content on social media, and resource limitations. Effective strategies that can be implemented include the development of engaging educational content, strategic collaborations, multi-channel approaches, and training for journalists.

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