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FERI IRAWAN
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irawanferi23@gmail.com
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AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM
Published by STAI Nahdlatul Wathan Samawa
ISSN : 27466469     EISSN : 29874335     DOI : https://doi.org/10.35964/ab.v3i1
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Al-Bayan: Jurnal Hukum dan Ekonomi Islam. Jurnal ini memfokuskan pada publikasi artikel ilmiah hasil penelitian tentang Hukum Islam, lembaga keuangan mikro syariah, lembaga keuangan non bank, dan tema-tema lain yang berkaitan dengan Hukum Islam dan Ekonomi Syariah. Redaksi menerima tulisan-tulisan yang belum pernah dipublikasikan dimedia/jurnal lain yang sesuai dengan pedoman penulisan jurnal. Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Kepada Masyarakat (P3M) STAI Nahdlatul Wathan Samawa Sumbawa Besar.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 55 Documents
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Revitalization Of Islamic Philanthropy In Empowering The Economy Of The People In The Digital Era Chamid, Abdul; Emiola Habeeb Olasunkanmi
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 5 No. 2 (2025): Desember
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

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Abstract

This study analyzes the revitalization of Islamic philanthropy in the economic empowerment of the ummah in the digital era by highlighting the potential and challenges of digitizing zakat, infaq, alms, and waqf (ZISWAF). Digitalization enables transparency and efficiency in the distribution of funds, expands community participation, and increases access to Islamic philanthropic services. However, challenges such as regulations that have not been fully supported, low digital literacy, and lack of innovation in distribution models remain obstacles. This study uses the content analysis method to identify patterns and trends in the management of digital Islamic philanthropy and Critical Discourse Analysis (CDA) to evaluate policy and regulatory narratives related to the digitization of zakat and waqf. The results of the study show that the digitization of Islamic philanthropy has great potential in improving social welfare and economic empowerment of the people, but requires a more systematic strategy and clear regulations. Strengthening governance based on sharia maqāṣid, digital education, and optimization of technology such as blockchain are the key to the sustainability of Islamic philanthropy in the digital era.
Akad Syirkah (Kemitraan) Dan Mudharabah (Bagi Hasil) Serta Pengaplikasiannya Dalam Pembiayaan Usaha Produktif Zahra Maulidatul Husna; Ila Nur Afida; Nabilla Ni`matur Rohmah; Fadhila; Intan Muthia Azahra; Allya Lubna Octavia Ramadhani; Taufiq Kurniawan
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 5 No. 2 (2025): Desember
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

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Abstract

Syirkah and mudharabah are two forms of partnership contracts widely applied in financing productive business activities within Islamic financial institutions. Both contracts are based on the principles of profit and loss sharing and the prohibition of riba, which promote fairness and ethical economic practices. However, their implementation in society still faces challenges due to limited understanding of their conceptual distinctions, mechanisms, and risk-sharing characteristics. This article describes the concepts of syirkah and mudharabah, including their essential elements and operational requirements, as well as their application in productive financing schemes. In syirkah, all partners contribute capital and/or managerial efforts and are entitled to profits according to the mutually agreed ratio, while losses are borne proportionally based on each partner’s contribution. In contrast, mudharabah involves a collaboration in which the investor provides capital and the entrepreneur manages the business. Profits are distributed based on a predetermined profit-sharing ratio, while financial loss is borne solely by the investor, as long as the entrepreneur is not negligent or in breach of trust. The analysis indicates that both contracts have significant potential to support the development of micro, small, and medium enterprises (MSMEs) and strengthen the Islamic economic system. Nevertheless, the selection of the appropriate contract must consider the business characteristics, the capabilities of the parties involved, and the level of risk they are willing to bear. With accurate understanding and implementation, syirkah and mudharabah can serve as transparent, equitable, and sharia-compliant financing solutions for the community.
Analisis Perbandingan Mazhab Syafi’i dan Hanbali Terhadap Hukum Wudlu dengan Air Musta’mal Khoirus Sya'bani, Ahmad; Navilata, Fiki; Izzatul Ulya, Nayla; Siyono
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 5 No. 2 (2025): Desember
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

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Abstract

This study examines the differences between the Shafi'i and Hanbali schools of thought regarding the law on the use of musta'mal water in wudu, which is an important issue in the practice of thaharah amid water scarcity and developments in water treatment technology. The purpose of this study is to analyze the differences and similarities in the arguments of the two schools of thought and their legal implications for the validity of wudu. This study uses a qualitative approach with a library research method, with data sources in the form of classical fiqh books and relevant scientific journal articles. Data analysis techniques were carried out through content analysis to examine the patterns of argumentation, the basis of istinbath law, and the methodology of determining the law of each school of thought. The results show that the Shafi'i school of thought views musta'mal water as pure but not purifying, so it is not valid for use in wudu, while the Hanbali school of thought argues that musta'mal water can still be used as long as it has not undergone any physical changes and has not been mixed with impurities. This difference reflects a difference in methodological approaches, whereby the Shafi'i school of thought emphasizes the principle of caution, while the Hanbali school of thought emphasizes the empirical condition of water. This study is expected to serve as a reference in the development of comparative fiqh studies and provide practical understanding for the community.
Akad Ariyah dan Akad Qardh Serta Pengintergrasiannya Dalam Analisis Kasus Kontemporer Zian Rahmah W.; Nafisatuzahra Raysa Islami; Dinda Alya Purwaningrum; Zubarul Hadid; Dwi Sinta Febrian Wahyu Ningtyas; Agustin Hikmatusa'diyah; Nasya Almira Safitri; Taufiq Kurniawan
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 5 No. 2 (2025): Desember
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

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Abstract

In social life, borrowing and lending activities are part of social interaction. However, many people still engage in borrowing and lending practices that are not in accordance with Islamic provisions. Islam regulates the provisions of contracts when carrying out mu'amalah activities, which are called akad. Akad is a relationship between ijab and qabul that gives rise to law. This study aims to examine and explore the concepts of Akad Ariyah (loan for use) and Qard (loan) in muamalah fiqh and their integration in contemporary cases. This study uses a qualitative method with a library research approach, with data obtained from the book Fiqh Muamalah, scientific journals, and Fatwa DSN-MUI. The results of the study show that the Ariyah contract (العارية) is a loan contract in the form of assistance with assets to be used without compensation and without changing the assets. The Qard contract (القرض) is the transfer of assets to be used and must be returned without additional interest (riba) or an equivalent amount. Therefore, we must understand these two contracts because the Ariyah and Qard contracts are very important for us to avoid usury practices and to maintain the principle of justice in conducting contemporary transactions.
Akad Kerjasama di Bidang Pertanian: Akad Muzara’ah dan Musaqat Nadya Aziz, Salfa Salsabila; Nisa', Iftita Zahrotun; Pratanti, Putri Dwi; Nur Aini, Intan; Tsabita, Rifda; Aliyah, Ni'matul; Kurniawan, Taufiq
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 5 No. 2 (2025): Desember
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

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Abstract

This study aims to analyze the concept of cooperation contracts in the agricultural sector from an Islamic economic perspective through two main forms, namely muzara'ah and musaqat contracts, and examine their legal basis and implementation in agricultural practices in society. In this study, we use a descriptive qualitative method with a library research approach, which involves analysis of classical literature (fiqh muamalah) and modern (journals and Islamic economic regulations). The results show that the muzara'ah contract is a form of cooperation between landowners and cultivators where agricultural products are divided based on an agreement, while the musaqat contract is a collaboration in managing crops that have already grown, and cultivators are obliged to be responsible for maintaining the plants until harvest time. Both have a legal basis in the Qur'an, Hadith, and the consensus of scholars, which emphasize the importance of the principles of justice, willingness, and benefit in economic cooperation. The implementation of these contracts in several agricultural regions in Indonesia shows that the muzara'ah and musaqat models are still relevant as equitable cooperation systems, especially in increasing the productivity and welfare of smallholder farmers. This research concludes that the implementation of sharia agricultural contracts can be an alternative solution in realizing an economy based on justice, blessings, and sustainability. Strengthening regulations, education, and mentoring institutions are needed so that the practice of these contracts can be optimally implemented in the national agricultural system.

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