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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 81 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.
Analisis Hukum Ekonomi Syariah atas Sistem Fee Akad Wakalah Jual Beli Rumah di Kelurahan Way Laga Sukabumi Bandar Lampung: Analysis of Sharia Economic Law on the Wakalah Contract Fee System for Buying and Selling Houses in Way Laga Village Sukabumi Bandar Lampung) Arnis Arbella; Badruzaman; Helma Maraliza
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 6 No. 1 (2026): 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.v6i1.2868

Abstract

The practice of the fee system in the wakalah (house purchase and sale) contract in Way Laga Village covers the payment mechanism (2% or IDR 6 million of the IDR 300 million price), payment timing (upfront), the form of agreement (verbal), and the duties of the representative. This study also analyzes the perspectives of Islamic economic law on the implementation of the fee system, including its compliance with the pillars of wakalah bil ujrah (contractual agreement), the principle of ujrah (indebtedness), the potential for gharar (unlawful agreement), the trustworthiness of wakalah (indebtedness), and the principle of justice. This research also involves an in-depth study from an Islamic economic legal perspective regarding the validity of this mechanism and the possibility of violations. The method used was a qualitative field-based approach with a descriptive analytical approach. Primary data were collected through in-depth interviews with parties directly involved in the transaction. The data was then processed through editing, coding, and structured grouping using inductive analysis based on field findings and guided by the principles of Islamic jurisprudence (fikih muamalah). The results indicate that the practice of fee payments is carried out verbally without a clear, legally binding written contract. The fee is paid by the muwakil to the agent before the transaction is completed, thus violating the principle of the agent's trust, creating elements of gharar (uncertainty), tadlis (false statements of facts), and raising fundamental doubts about the validity of the wakalah contract as a whole. A serious problem arises if the agent fails to fulfill his duties within 5 months, as his duties are rendered ineffective even though the fee was paid in advance by the muwakil before the house was sold.
Transformasi Wakaf Konsumtif ke Wakaf Produktif: Studi Fikih Akad dan Tantangan Implementasi Kontemporer: Transformation of Consumptive Waqf into Productive Waqf: A Study of Fiqh of Contracts and Contemporary Implementation Challenges Farida Aprianti; Andi Amma Ruhmah; Hamzah Haeriyah; Abdi Wijaya; Muhammad Rusdin
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 6 No. 1 (2026): 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.v6i1.2913

Abstract

This study examines the transformation of consumptive waqf into productive waqf through the lens of fiqh contracts and contemporary governance challenges. The urgency of the study arises from the paradox between Indonesia’s large waqf assets and the limited productive utilization of those assets. Official data reported in 2024 show that Indonesia has hundreds of thousands of waqf land locations, while only a small proportion is optimally utilized for productive purposes. This study employs qualitative library research with normative-juridical and conceptual approaches. Data were obtained from classical fiqh literature, statutory regulations, fatwas, recent reputable journal articles, and official reports from waqf authorities. The findings indicate that the transformation of waqf is not a deviation from the principle of perpetuity, provided that the substance of tahbis al-ashl and tasbil al-manfa’ah is preserved. The reconstruction of contracts can be carried out through controlled istibdal, long-term ijarah, mudharabah, musyarakah mutanaqisah, wakalah bi al-istitsmar, and Build-Operate-Transfer schemes, depending on asset characteristics and risk profiles. The main contemporary challenges consist of legal-administrative fragmentation, limited nazhir competence, low public literacy, financing constraints, weak accounting transparency, and insufficient integration between waqf assets and the halal industry value chain. The novelty of this study lies in proposing a layered contract reconstruction model that integrates fiqh legitimacy, governance safeguards, digital accountability, and halal industry orientation. The study recommends strengthening nazhir certification, standardizing contract-based risk mitigation, and developing an integrated digital reporting system for productive waqf.
Teori Kebertakwaan Institusional: Integrasi Nilai Spiritual dalam Manajemen dan Tata Kelola Lembaga Keuangan Syariah: Institutional Taqwa Theory: Integrating Spiritual Values Into the Management and Governance of Islamic Financial Institutions Ihwan Wahid Minu; Yusphan
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 6 No. 1 (2026): 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.v6i1.2985

Abstract

This article explores the limitations of secular earnings management theories, particularly those grounded in rational and self-interested motives such as Agency Theory, which are deemed insufficient within the Islamic economic framework. Using a conceptual and qualitative approach, this study aims to develop the Institutional Taqwa Theory as an alternative model that embeds spiritual values—especially taqwa—into institutional governance. The study integrates Islamic ethical principles, maqāṣid al-sharī‘ah, and spiritual accountability systems by critically engaging classical and contemporary literature while dialoguing conventional management theories with Islamic teachings. The findings reveal that this theory provides a novel conceptual framework for addressing earnings management in an ethical and spiritual manner. Furthermore, the study outlines measurable indicators of spiritual accountability and proposes practical instruments for evaluation, along with identifying opportunities for application within Islamic financial institutions. Its main contribution lies in constructing a normative and operational model based on transcendental values that bridges the gap between conventional accounting theories and Islamic principles in modern institutional practices.
Analisis Mazhab Hanafi Tentang Jual Beli Tanah Tanpa Tanamannya: Analysis of the Hanafi Mazhab Concerning Buying Land Without Plants Rosmita; Santi Sarni; Aisyah Nurul Afifah
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 6 No. 1 (2026): 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.v6i1.2704

Abstract

This study aims to analyze the Islamic legal perspective on the practice of buying and selling land without plants growing on it, as well as the views of the Hanafi school of thought on this matter. The questions are: First, what is the Islamic legal perspective on the practice of buying and selling land without plants growing on it? Second, how is the Hanafi school of thought analyzing the Hanafi school of thought on buying and selling land without plants growing on it? This study used a qualitative approach with textual study (Library Research) and normative and phenomenological analysis. The results show that, from the Hanafi school of thought, the sale of land without plants growing on it can be explained as follows: First, in the practice of buying and selling land that includes plants, according to Islam, the plants are sold along with the land. This is based on the understanding that plants are part of the land, so that ownership of the land and plants is transferred to the buyer. This is also in line with the customary practice ('urf) of society, which considers plants to be an inseparable part of the land, unless the contract stipulates otherwise. Second, according to the Hanafi school of thought, plants growing on land do not automatically become part of the land sale unless expressly stated in the contract. This view emphasizes the importance of clarity regarding the object of the contract in a sale and purchase transaction. Therefore, although the majority of scholars believe that the land sold includes the building and the plants on it, it is advisable to state the ownership of the plants in official documents, such as a land certificate or a deed of sale, to avoid future disputes and maintain prudence (iḥtiyāt).
Mekanisme Sewa Menyewa Pohon Kapuk di Kecamatan Bissappu Kabupaten Bantaeng: Tinjauan Fikih Muamalah: Renting Kapok Trees in Bissappu, Bantaeng: A Fiqh Muamalat Review of Ijarah Validity Sri Ujiana Putri; Saadal Jannah; Karmila
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 6 No. 1 (2026): 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.v6i1.3021

Abstract

This study examines the practice of leasing kapok trees in Bissappu Subdistrict, Bantaeng Regency, and evaluates its conformity with fiqh muamalah (Islamic commercial jurisprudence). It uses a field research design with normative and phenomenological approaches, integrating Islamic legal analysis with real practices in the community. Data were collected through observation, documentation, and in-depth interviews with tree owners and tenants. The findings show that the contract (akad) is conducted orally based on mutual trust, with prices determined through bargaining. Tree owners usually set prices based on estimated harvest yields. However, the lease duration is unclear, as contracts often end when the harvest is completed rather than on a fixed agreed date. After the agreement, owners typically withdraw from management, leaving tenants responsible for all costs and risks, including crop failure and uncertain yields. From a fiqh muamalah perspective, this practice involves significant gharar (uncertainty), especially regarding time and benefits. The object of the contract is also problematic, as it essentially concerns the kapok yield, which is consumable. According to the majority of scholars (jumhur), such a contract is considered an invalid (batil) form of ijarah. This study offers an empirical-legal analysis and recommends alternative contracts, such as profit-sharing partnerships (mudharabah) or service-based ijarah, where the object, duration, and risk mechanisms are clearly defined to ensure fairness and legal certainty.

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