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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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Tinjauan Hukum Islam terhadap Pelaksanaan Akad Murabahah di Koperasi Amanah Mulia Ikhlas Pinrang: An Analysis of Murabahah Contract Practices at Koperasi Amanah Mulia Ikhlas Pinrang from the Perspective of Islamic Law Munira, Munira; Akhmad Hanafi Dain Yunta; Humairah Ahsan
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.v5i2.2624

Abstract

Murabahah contracts are one of the most widely applied forms of sale and purchase in Islamic financial institutions because they are considered transparent in pricing and in accordance with sharia principles. However, in practice, a number of challenges are still found, such as inconsistencies between practice and fiqh principles, limited understanding among customers, and the potential for practices resembling usury. This study aims to examine the mechanism of murabahah contract implementation at Koperasi Amanah Mulia Ikhlas Pinrang and to assess its validity from the perspective of Islamic law. The research employs a qualitative approach with a field research design. Data were collected through direct interviews with cooperative administrators and documentation studies related to the murabahah contracts carried out. The data analysis was conducted descriptively and analytically using a juridical-normative approach, supported by classical and contemporary fiqh muamalah literature from various schools of thought. The findings show that the implementation mechanism of murabahah contracts at Koperasi Amanah Mulia Ikhlas is carried out through two main stages, namely the financing application stage and the contract execution stage. In general, the practice of the contract has fulfilled the pillars and conditions of murabahah as established in Islamic jurisprudence, although there are still some aspects that need improvement, particularly in documentation and in members’ understanding of their rights and obligations. This research provides important implications for Islamic cooperatives in optimizing the comprehensive and consistent application of sharia principles in murabahah financing contracts.
Manajemen Rantai Pasok Halal di Indonesia: Analisis SWOT dan Implikasi Strategis: Halal Supply Chain Management in Indonesia: SWOT Analysis and Strategic Implications Azwar, Azwar; 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.v5i2.2651

Abstract

This study aims to identify the key strengths, weaknesses, opportunities, threats, and strategic directions that influence the sustainability and effectiveness of Halal Supply Chain Management (HSCM) at the national level. Employing a mixed-methods approach with an exploratory sequential design, the research integrates qualitative and quantitative analyses through the SWOT framework and the Internal–External (IE) Matrix. The findings reveal that Indonesia possesses significant strategic potential to develop a globally competitive halal supply chain, supported by its large Muslim consumer base, robust regulatory framework, growing public awareness, and the rapid expansion of halal-oriented MSMEs. Nevertheless, several structural weaknesses persist, including limited halal logistics infrastructure, high certification costs, weak inter-agency coordination, and low halal literacy among business actors. Opportunities arise from the rapid expansion of the global halal economy, digital innovation (blockchain, IoT, big data), and increasing international demand for ethical and sustainable halal products. Meanwhile, the main challenges include competition with benchmark countries, varying international halal standards, and dependency on imported raw materials. The IE Matrix positions Indonesia in the high–high quadrant, indicating a growth strategy through vertical integration—strengthening local production, standardization, digital traceability, and institutional synergy. Through this strategic approach, Indonesia has the potential to transform from the world’s largest halal consumer market into a leading producer and innovation hub in the global halal economy.
Analisis Penerapan Akad Murābahah dalam Perspektif Fikih Muamalah di Koperasi Tamam STIBA Makassar: An Analysis of Murābahah Contract Implementation from Fiqh Muamalah Perspective at Tamam Cooperative STIBA Makassar Muhammad, Muhammad
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.v5i2.2655

Abstract

The study of murābahah contracts is a significant discourse within the discipline of fiqh muamalah, emphasizing the need to ensure that Islamic financial practices comply with the legal pillars and conditions of valid sales. The occurrence of non-compliant practices, such as bay’ mā lā tamlik (selling what is not owned) and bai’atain fi bai’ah wāhidah (two contracts in one sale), necessitates an analysis of their implementation in Islamic microfinance institutions. The research aims to (1) describe the mechanism of murābahah implementation at Tamam Cooperative, and (2) analyze its compliance with classical and contemporary fiqh principles. This is a qualitative case study employing in-depth interviews, document observation, and library research using classical fiqh books, DSN-MUI fatwas, and academic literature. The findings indicate that the cooperative’s murābahah practice generally complies with Sharia principles, especially regarding ownership, transfer of possession (qabd), risk management (ḍamān), and price transparency. A distinctive feature of Tamam Cooperative is its homogeneous membership base (lecturers and campus administrators), which eliminates the need for formal wa’d documents or collateral; instead, moral commitment underpins transactions. This study contributes to the field of Islamic commercial law by offering a case of community-based murābahah practice that is simple yet Sharia-compliant, potentially serving as a model for other Islamic microfinance institutions.
Etika Produksi Konten Deepfake dalam Promosi Produk Halal: Telaah Fikih Media dan Perlindungan Konsumen Muslim: The Ethics of Deepfake Content Production in Halal Product Promotion: A Study of Islamic Media Jurisprudence and Muslim Consumer Protection Ihwan Wahid Minu; 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.v5i2.2327

Abstract

This study examines the use of deepfake technology in halal product promotion, which poses new ethical challenges within the frameworks of media jurisprudence, Islamic economics, and consumer protection. The aim is to analyze the practice of deepfake content production from the perspective of Islamic ethics and media jurisprudence, assess its impact on Muslim consumer perception, and formulate Sharia-based ethical guidelines grounded in maqāṣid al-sharī‘ah. The research employs a qualitative approach using library research and content analysis methods, drawing data from classical and contemporary literature, the Qur’an, Hadith, and previous studies. The findings reveal that the use of deepfake technology in halal promotion has the potential to create misinformation (tagrīr), violate the principles of honesty (ṣidq) and trustworthiness (amānah), and undermine consumer protection. The study emphasizes the importance of maqāṣid al-sharī‘ah as an ethical standard for validating digital content. The main contribution of this research lies in formulating a Sharia ethical framework for halal digital marketing practices, which can serve as a guideline for producers, academics, and policymakers to maintain the competitiveness of the halal industry without neglecting moral and spiritual responsibility.
Wawasan Al-Qur’an tentang Keadilan Fiskal: Relevansi Ayat-Ayat Makroekonomi Islam terhadap Pengentasan Kemiskinan: Quranic Insights on Fiscal Justice: The Relevance of Islamic Macroeconomic Verses to Poverty Alleviation Fatchul Muin, Tri Subegti; Achmad Abubakar; Muhsin Mahfudz
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.v5i2.2696

Abstract

Poverty is a structural problem rooted not only in economic inequality but also in the failure of conventional fiscal systems to achieve distributive justice. The Qur’an provides theological and normative insights into fiscal justice, emphasizing the balance between individual ownership rights and collective social responsibility. This study aims to explore the relevance of Qur’anic verses concerning economic justice and wealth distribution in alleviating poverty within the framework of Islamic macroeconomics. The research employs a library-based qualitative method using a thematic tafsir (maudhu‘i) and a normative-descriptive analysis of Qur’anic concepts such as al-‘adl (justice), al-qisṭ (equity), al-infaq (spending), and prohibitions against al-israf (extravagance) and al-bukhl (miserliness). The findings reveal that fiscal justice in the Qur’anic perspective functions not only as an economic mechanism but also as a spiritual instrument to achieve social welfare (al-falah al-ijtima‘i). This perspective provides a conceptual foundation for formulating contemporary Islamic fiscal policies aimed at equity and community empowerment. The study contributes to the development of Islamic economic epistemology by integrating Qur’anic theological values into modern macroeconomic frameworks.

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