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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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Sistem Bagi Hasil Pengelolaan Sawah Perspektif Hukum Islam (Studi Kasus Desa Pakkanna, Kecamatan Tanasitolo, Kabupaten Wajo): Profit Sharing System of Ricefield Management in the Islamic Law Perspective (Case Study of Pakkanna Village, Tanasitolo District, Wajo Regency) Khaerul Aqbar; Azwar, Azwar; Ihwan Wahid Minu; Muh. Arfah Herwin
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 3 No. 1 (2023): 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.v3i1.939

Abstract

This study aims to find out the review of Islamic law regarding the implementation of profit sharing in the management of rice fields in Pakkanna Village, Tanasitolo District, Wajo Regency. The type of research used is qualitative research in the form of field research with a normative and social approach. The results showed that the cooperative system for managing ricefields in Pakkanna Village used a profit-sharing system called the maruma system, in which the land owner gave his ricefields to cultivators to work on, while the seeds came from farmers. The distribution is 2:1, where 2 parts are for sharecroppers and 1 part is for landowners. Contract agreements are only made verbally, because of mutual trust. The profit-sharing system in Pakkanna Village, in Islamic law, has met the requirements because the contract is based on the Qur'an and hadith. In addition, this contract has become a custom that does not conflict with syara' and law, so the use of the profit sharing system is permissible.
Penerapan Larangan Magrib sebagai Solusi Mengatasi Agency Problem dalam Akad Mudharabah: Implementation of the Maghrib Prohibition as a Solution to Overcoming Agency Problems in Mudharabah Agreements Wardani, Ali; Abdullah, Wahyuddin; Parmitasasri, Rika Dwi Ayu
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 4 No. 1 (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.v4i1.1286

Abstract

The mudharabah (profit sharing) agreement is a contract that is characteristic of sharia financial institutions. However, agency problems often occur in mudharabah contracts. This article discusses the prevention of mudharabah contract agency problems through the prohibition of maghrib (maisir, gharar, usury and falsehood). The aim is to provide alternative solutions in overcoming mudharabah contract agency problems. The research method used is qualitative literature with a descriptive approach. Primary and secondary data collected through orientation and exploration will be analyzed using inductive and deductive techniques. The results explain that potential agency problems can be reduced by implementing sunset prohibitions (maisir, gharar, usury and falsehood) in the mudharabah contract evaluation process. Both in management processes and financial reports, sunset analysis can be applied to detect or avoid information asymmetries.
Hukum Pemakaian Sistem Pembayaran Shopee PayLater dalam Jual Beli Online Menurut Perspektif Fikih Muamalah: The Law on the Use of the Shopee PayLater Payment System in Online Buying and Selling According to the Muamalah Fiqh Perspective Muchtar, Andi Dahmayanti; Syamsiah Nur; Miftahul Jannah
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 4 No. 1 (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.v4i1.1333

Abstract

Shopee PayLater is an online buying and selling system that is paid in installments with the terms and conditions applied by Shopee. This research aims to find out how muamalah jurisprudence reviews the payment system using Shopee PayLater. This research is a qualitative descriptive research (library research) with a normative juridical approach method. The results of research on Shopee PayLater contracts including qarḍ contracts, namely Shopee PayLater electronic money loans for e-commerce, show that these loans are not permitted because they contain elements that are contrary to Islamic law, namely the element of usury. The implication of this research is that all parties, especially Shopee users, should pay more attention to the contracts used in transactions so as not to fall into contracts that contain prohibited elements in the Shari'a.
Hukum Sponsorship Bersyarat Online Shop Buynana Chips Perspektif Fikih Muamalah: The Law of Conditional Sponsorship of Buynana Chips Online Shop in Muamalah Fiqh Perspective Nuraeni Novira; Sri Ujiana Putri; Anisa Indarwati Legimin
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 4 No. 1 (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.v4i1.1340

Abstract

This research aims to determine the concept of conditional sponsorship cooperation in the Buynana Chips online shop and what the law is from a muamalah jurisprudence perspective. The formulation of the problem in this research is: first, what is the concept of conditional sponsorship activities in the Buynana Chips online shop; second, what is the legal review from the perspective of muamalah jurisprudence regarding conditional sponsorship activities at the Buynana Chips online shop. The type of research used is qualitative research, which focuses on field studies. Data collection was carried out by means of observation, interviews and documentation using normative and empirical approach methods. The research results found were as follows: first, the Buynana Chips online shop added several conditions to the sponsorship collaboration, including having to sell a certain amount of its products within two weeks and wages given only based on the number of products sold. The sponsor recipient must also bear the cost of shipping the goods. However, Buynana Chips usually bears a small portion of the shipping costs for the goods to be sent to the sponsor recipient. Fines if you are late in depositing funds to Buynana Chips and penalties for not depositing funds. Second, the conditional sponsorship law in the Buynana Chips online shop is permitted because the conditions are in line with the purpose of the contract, it is a community habit, there are benefits and there is also no coercion in this transaction. Except for the terms of fines which can result in usury transactions
Strategi Penguatan Industri Halal di Indonesia: Analisis SWOT: Strategy for Strengthening the Halal Industry in Indonesia: SWOT Analysis Azwar, Azwar; Khaerul Aqbar
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 4 No. 1 (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.v4i1.1432

Abstract

This research aims to analyze the internal (strengths and weaknesses) and external (opportunities and threats) factors that influence the halal industry in Indonesia and formulate appropriate strengthening strategies based on the results of the SWOT analysis. This research uses a mixed approach, or a combination of qualitative and quantitative methods (mixed method), in the form of an exploratory sequential design using the SWOT analysis technique. The research results show that the strength of Indonesia's halal industry lies in the largest Muslim population in the world, a wealth of natural resources, a strong understanding of Islamic culture, and increased consumer awareness of halal products. However, the halal industry also has weaknesses, such as underdeveloped infrastructure, intense local competition, problems with product quality and authenticity, and difficulties in accessing global markets. From the external side, there are great opportunities to enter international markets, develop innovative halal products, establish strategic partnerships, and take advantage of local market growth. However, the halal industry is also faced with the risk of changing consumer trends, global competition, and product quality problems. Therefore, strengthening strategies are needed in several main areas: increasing productivity and competitiveness, implementing and strengthening policies and regulations, and strengthening finance and infrastructure. Apart from that, efforts are also needed to increase brand awareness of halal products and public awareness about halalness.
Tinjauan Hukum Islam terhadap Penggunaan Voucer Gratis Ongkir di Shopeepay dalam Aplikasi Marketplace Shopee: Review of Islamic Law Regarding the Use of Free Shipping Voucers on Shopeepay in the Shopee Marketplace Application Rosmita; Farida Aprianti; Rahma Alia BS
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 4 No. 1 (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.v4i1.1444

Abstract

This research aims to find out the law on free shipping vouchers on Shopeepay in the Shopee application from an Islamic legal perspective. This research uses a qualitative descriptive research method or library research which focuses on the study of manuscripts and texts, using a normative approach and a sociological approach. The results of the analysis show that the mechanism for free shipping vouchers on Shopeepay is by topping up or topping up your balance. Topping up Shopeepay funds can be done in several ways, including: via bank transfer, ATM, Alfamart and Indomaret. Shopeepay top up can be done by clicking top up then selecting the desired top up payment method. After being reviewed and analyzed according to the perspective of Islamic law, free shipping vouchers on Shopeepay are permissible because the funds on Shopeepay are takyif as a sarf contract (exchanging money in paper form for electronic money) so in this case, the use of free shipping vouchers on Shopeepay in the Shopee application is permissible. . The implications of this research are First, Shopee users, especially Muslims who activate ShopeePay to fulfill their needs, are advised to be more careful in carrying out this transaction, as a Muslim you must know the contract you are making so as not to violate the Sharia. Second, Shopee is expected to also pay attention to the service features it already has, such as cashback, discounts, free shipping and other service features using Shopeepay based on sharia provisions.
Menjual Murah Barang Dagang yang Menyelisihi Harga Pasar Menurut Tinjauan Hukum Islam (Studi Kasus di Pasar Tramo Kabupaten Maros): Selling Cheap Merchandise that Differs from Market Prices According to an Overview of Islamic Law (Case Study at Tramo Market, Maros Regency) Ahmad Syaripudin; Muhammad Ikhsan; Mujahid Al-Islam
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 4 No. 1 (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.v4i1.1448

Abstract

This research aims to find out about the causal factors and laws for selling cheap commercial goods that differ from market prices according to Islamic law (Case Study at Tramo Market, Maros Regency). The type of research used in this research is field research with a case study approach. The research results show: 1) the main factor causing cheap sales of merchandise that occurs at Tramo Maros Market is based on an agreement between sellers and buyers who are both willing, however there are several other factors that influence some traders in selling their merchandise cheaply, including; willingness, compulsion, feelings of reluctance and shame, pressure because of the need for money and goods obtained without capital; and 2) a review of Islamic law regarding the cheap sale of merchandise at Tramo Maros Market is permissible (mubah), because apart from being based on willingness, it is also in accordance with the concept of buying and selling in Islam where the conditions for determining prices are fulfilled, namely in accordance with the principles of selling. buying and selling in Islam and market mechanisms in Islam and in accordance with the concept of fair prices in Islam and the buying and selling process carried out also meets the pillars and requirements in Islam, so that this buying and selling is legal.
Pendistribusian Zakat yang Tepat Untuk Mencapai Target SDG’s dan Target Global 2030 Studi Kasus BAZNAS DIY: Optimalization Zakat Distribution to Achieve SDG’s Targets and the 2030 Global Goals: A Case Study of BAZNAS DIY Edo Segara Gustanto; Bani Idris Hidayanto; Mohammad Faozi; Nursya'bani Purnama
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 2 (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.v5i2.2042

Abstract

Zakat plays a strategic role in poverty alleviation and enhancing community welfare, aligning with the objectives of the Sustainable Development Goals (SDGs) and the 2030 global agenda. This study aims to analyze the effectiveness of zakat distribution by the National Zakat Agency (BAZNAS) of the Special Region of Yogyakarta (DIY) in supporting the achievement of specific SDG targets, particularly poverty reduction (SDG 1), quality education (SDG 4), and inclusive economic growth (SDG 8). Using a qualitative approach and a case study method, this research explores BAZNAS’ policies, programs, and the challenges in ensuring targeted zakat allocation. The findings indicate that optimizing zakat distribution based on the needs of mustahik (beneficiaries) and utilizing digital technology can accelerate the realization of the SDGs. Therefore, stronger synergy between BAZNAS, the government, and other stakeholders is essential to enhance the effectiveness and impact of zakat in supporting the global development agenda by 2030.
Harmonisasi Standar Sertifikasi Halal Internasional dalam Perspektif Fikih Muamalah: Analisis Diplomasi Ekonomi Halal Indonesia di Pasar Global: Harmonizing International Halal Certification Standards: A Fiqh al-Muāmalāt Perspective on Indonesia’s Halal Economic Diplomacy in Global Markets Kurnaemi Anita; Nasrullah bin Sapa
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 2 (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.v5i2.2333

Abstract

The global halal industry is rapidly expanding as one of the strategic sectors in the international economy, with a continually growing market value that involves cross-border transactions, international organizations, and multilateral alliances. Although Indonesia occupies the position of one of the largest consumers of halal products in the world, its contribution as a major player in the global halal industry value chain still faces various structural and diplomatic challenges. This study aims to analyze the harmonization of international halal certification standards from the perspective of fiqh al-muʿāmalah and to formulate the role of Indonesia’s halal economic diplomacy in advocating for the protection of Muslim consumers in global markets. The research employs a qualitative-descriptive approach through library research and policy analysis. The findings indicate that, conceptually, most international halal certification standards converge with maqāṣid al-sharīʿah, particularly in the aspects of ṭahārah, ḥalāl al-dhabīḥah, and istibrā’. However, fragmented standards, divergent ijtihād on animal-derived enzymes and technical alcohol, and asymmetries among certifying authorities generate problems of traceability, the potential for monopolistic practices, and the risk of consumer harm, all of which contradict the legal maxim lā ḍarar wa lā ḍirār. This study underscores the importance of cross-madhhab collective ijtihād (ijtihād jamāʿī), the strengthening of an equitable mutual recognition scheme, and Indonesia’s proactive initiatives as a norm entrepreneur through halal economic diplomacy, including the proposal to establish an international Halal Dispute Board as a dispute settlement instrument and as a means of reinforcing the legitimacy of global halal standards grounded in fiqh al-muʿāmalah.
Strategi Pemberdayaan Wirausaha Syariah Gen-Z Berbasis SWOT pada Start-Up Halal F&B di Indonesia: SWOT-Based Gen-Z Sharia Entrepreneurial Empowerment Strategy for Halal F&B Start-Ups in Indonesia Aqbar, Khaerul; Azwar, Azwar
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 2 (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.v5i2.2565

Abstract

This study aims to identify the strengths, weaknesses, opportunities, and threats (SWOT) faced by Gen-Z Muslimpreneurs and to formulate empowerment strategies aligned with the principles of Islamic entrepreneurship. The research employs a descriptive qualitative method using a literature review and documentation approach. The analysis is conducted through SWOT mapping, systematically structured based on findings from academic literature and official documents. The results reveal that Gen-Z Muslimpreneurs possess notable strengths, including religiosity, digital proficiency, and innovation capacity. However, they also encounter challenges such as limited managerial experience and restricted access to capital. Externally, they benefit from the growing halal market and supportive regulatory frameworks, yet they must also navigate a highly competitive industry and complex certification processes. Based on this mapping, four strategic directions are proposed: (1) digital Islamic business training (SO), (2) collaboration with halal business incubators (WO), (3) trend filtration based on Islamic values (ST), and (4) mentoring and regulatory literacy (WT). These strategies are further developed into the Operational Framework for Empowering Gen-Z Muslimpreneurs, comprising four core pillars: integrated training, business collaboration, halal trend laboratories, and legal mentoring for business transformation. The findings are expected to serve as both conceptual and practical references for communities, training institutions, and policymakers in fostering a sustainable and competitive Islamic entrepreneurship ecosystem in the era of the global halal industry.

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