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Nasrullah Djamil
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nasrullah.djamil@uin-suska.ac.id
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nasrullah.djamil@uin-suska.ac.id
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https://naaspublishing.com/index.php/jawi/about/editorialTeam
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INDONESIA
JAWI : Journal of Ahkam Wa Iqtishad
Published by MUI Kota Pekanbaru
ISSN : -     EISSN : 3025292X     DOI : -
This journal publishes original articles on current issues and trends occurring in recent developments related to Islamic law and Islamic economics with the aim of advancing our knowledge of the theory and practice of Islamic Law and Islamic Economics.
Arjuna Subject : Umum - Umum
Articles 83 Documents
The Qur'anic Value of Maryam 'Alaihassalam's Story as an Inspiration for Handling Baby Blues and Strengthening the Resilience of Muslim Families Erman Gani; Nabil Makarim
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 4 (2025): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

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Abstract

Baby blues syndrome is an emotional condition commonly experienced by mothers after childbirth as a result of hormonal changes, psychological pressure, and the demands of assuming a new maternal role. Although temporary in nature, baby blues can affect marital harmony and family resilience if not addressed appropriately. This article aims to examine the phenomenon of baby blues from a Qur'anic perspective through a reflection on the story of Maryam ('alaihassalam), and to explore relevant Qur'anic values as inspiration for managing baby blues and strengthening Muslim family resilience. This study employs a library research method with a descriptive-analytical approach, examining Qur'anic verses, classical and contemporary tafsir, as well as psychological literature related to maternal mental health in the postpartum period. The findings indicate that the story of Maryam portrays immense emotional pressure, including profound sadness and a desire to withdraw or disappear, which psychologically resembles the symptoms of baby blues. However, the Qur'an also presents forms of divine intervention in the form of spiritual support, inner tranquility, and the fulfillment of physical needs, which become key elements in Maryam's recovery. Values such as patience, faith, empathy, and the importance of social support—particularly the role of the husband as qawwam—serve as fundamental principles in building a sakinah, mawaddah, wa rahmah family. Thus, the story of Maryam not only serves as a spiritual exemplar but also offers a holistic approach to managing baby blues that is relevant to modern Muslim families.
Determination Yield Sukuk: Sukuk Risks, Fiscal Policy With The Mediation Role Of Sukuk Value On The Indonesian Stock Exchange Yusrialis
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 4 (2025): JAWI - DESEMBER
Publisher : MUI Kota Pekanbaru

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Abstract

This study analyzes the effect of sukuk risk and fiscal policy on sukuk yield with sukuk value as a mediating variable on the Indonesia Stock Exchange for the 2020–2024 period. The study uses a quantitative approach with a purposive sampling technique on corporate sukuk with mudharabah contracts. The results show that sukuk risk has a significant positive effect on sukuk yield, while fiscal policy has a significant negative effect. Sukuk value is proven to mediate the relationship between risk and fiscal policy on sukuk yield. The Sobel Test shows that both independent variables (X1 and X2) have significant mediation by M (Sukuk Value), thus supporting the research hypothesis that risk/fiscal policy does not directly affect yield, but through sukuk value, for example, high risk reduces the outstanding value, which increases yield to attract investors. This study contributes to the development of Islamic finance literature, particularly in integrating the mediating role of sukuk value in the Indonesian capital market.
The Dynamics of Sharia Compliance in the Sharia Fintech Ecosystem in Indonesia: A Contemporary Fiqh Muamalah Analysis Mhd. Iqbal; Rozi Andrini; Muhammad Adnan Azzaki
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 1 (2026): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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Abstract

The development of financial technology (fintech) has driven significant transformations in the financial system, including the emergence of  Islamic fintech as an alternative to digital financial services based on Islamic principles. However, rapid technological innovation also presents challenges related to sharia compliance, especially in ensuring the conformity of operational practices with the principles of fiqh muamalah. This study aims to analyze the dynamics of sharia compliance in the sharia fintech ecosystem in Indonesia through the perspective of contemporary fiqh muamalah The research method used is a qualitative approach with literature studies on relevant scientific journals, regulations, and fatwas. The results of the study show that normatively most sharia fintechs have adopted the principles of sharia compliance, but in practice there are still variations in implementation, especially related to the validity of digital contracts, information transparency, delay penalties, and the effectiveness of the supervision of the Sharia Supervisory Board. This research confirms that contemporary fiqh muamalah has a strategic role in bridging technological innovation with sharia principles, in order to realize a fair, sustainable, and maqāṣid al-sharia fintech ecosystem.
Transformation of Religious Behavior of Alumni of Islamic Boarding School Students in the Context of Higher Education Ahmad Andri; Ardi Himawan Atmaja; Berliano Arrasyid; Rodi Wahyudi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 1 (2026): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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Abstract

This study examines the transformation of religious behavior among university students who are alumni of Islamic boarding schools (pondok pesantren) after entering the academic context of higher education. Shifts in values, lifestyle, and consistency of worship emerge as prominent phenomena that require scholarly explanation. The purpose of this research is to describe the factors influencing such behavioral transformations and to explore their relevance to social theory. The study employs a qualitative descriptive method, combining library research with questionnaires and online interviews. The findings reveal that campus environment, peer interactions, social media, academic demands, and personal motivation are the primary factors driving the transformation of religious behavior among pesantren alumni in higher education.
Islamic Banking Regulation In Indonesia: A Review Of Laws, OJK Regulations (POJK), and DSN-MUI Fatwas Ichsanul Reihan Adel; Nurnasrina
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 1 (2026): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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Abstract

The development of Islamic banking in Indonesia is inseparable from the existence of a legal framework governing its operations and supervision. Islamic banking regulations are derived from various legal instruments, such as the Islamic Banking Law, regulations issued by the Financial Services Authority (Peraturan Otoritas Jasa Keuangan/POJK), and fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). Although originating from different authorities, these three legal instruments are closely interconnected in shaping an Islamic banking system that is consistent with Sharia principles and Indonesia’s positive law. This study aims to analyze the roles, legal standing, and implications of Law No. 21 of 2008, POJK, and DSN-MUI fatwas within the regulatory structure of Islamic banking in Indonesia. The research employs a normative juridical method with statutory and conceptual approaches. The findings indicate that Islamic banking regulation in Indonesia represents an integration of state law and Islamic law, harmonized through authoritative mechanisms.
Takhrij as a Method of Madhhab-Based Ijtihad in Determining the Rulings of Contemporary Nawāzil: An Epistemological Analysis between Qiyas, Taqlid, and Fiqh al-Wāqi‘ Sharhan Asad Almawarid; Rahmad Padilah; Zul Ikrom; Muklis Lubis
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 2 (2026): JAWI - JUNI
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Abstract

The development of contemporary Islamic legal issues (nawāzil) demands an extraction method (istinbāṭ) capable of maintaining the Continuity of classical fiqh authority while remaining responsive to shifting modern realities. In this context, takhrīj emerges as a pivotal method within the ushul fiqh tradition, particularly following the decline of absolute ijtihad and the rise of madhhab-based orientations. However, studies on takhrīj have thus far focused predominantly on its technical applications, while its epistemological dimension as a form of madhhab-based ijtihad remains relatively under-explored. This research aims to analyze the essence of takhrīj as a method of madhhab-based ijtihad, examine its position between qiyās and taqlīd, and explain its relevance in determining contemporary nawāzil rulings. Using a qualitative approach with a normative-doctrinal method (library research), this study employs descriptive, conceptual, and applied analyses of turāth literature and contemporary studies. The results indicate that takhrīj is not merely a legal derivation technique, but rather an epistemological mechanism that proportionally connects texts, madhhab principles, and social reality. Within the structure of ushul fiqh, takhrīj occupies a position between absolute ijtihad and taqlīd, thus characterizing it as a form of structured madhhab-based ijtihad. Furthermore, this study finds that the methodological flexibility of takhrīj allows Islamic law to remain relevant in addressing contemporary problems, such as smart contracts, digital money, and fiqh al-wāqi‘, without departing from the framework of the madhhab’s ushul. The novelty of this research lies in its effort to reconstruct takhrīj not only as a method of fiqh but also as an epistemological paradigm for the development of contemporary Islamic law
Comparison of Customer Complaint Management in Conventional and Sharia Financial Institutions: A Review Based on the Principles of An-Taradin Bahari Alfalah; Hafidza Sanshia Arum
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 1 (2026): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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Abstract

Customer complaint management is an important aspect in maintaining customer satisfaction and loyalty to financial institutions. This study aims to analyze the comparison of customer complaint management in conventional and sharia financial institutions based on the principle of an-taradin. The research uses the library research method  with a descriptive-comparative approach through the analysis of various literature, scientific journals, books, regulations, and relevant documents. The results of the study show that conventional and sharia financial institutions have the same goal in resolving customer complaints, but differ in their orientation and approach to resolution. Conventional financial institutions focus more on customer satisfaction and service effectiveness, while Islamic financial institutions emphasize customer satisfaction as well as compliance with sharia principles, fairness, transparency, and benefits. Based on the principle of an-taradin, complaint settlement in Islamic financial institutions has a higher level of conformity because it places the willingness of both parties, the balance of rights and obligations, and voluntary acceptance of settlement results as an important part of the complaint handling process. This research also proposes a conceptual model of complaint management based on an-taradin that emphasizes transparency, deliberation, fairness, and willingness as the main elements in creating sustainable complaint resolution.
Muslim Entrepreneurship Transformation in the Era of Artificial Intelligence: Analysis of Opportunities and Challenges Based on Sharia Maqashid Afdhol Rinaldi; Dhiya Dwi Afifah
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 1 (2026): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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Abstract

The rapid development of Artificial Intelligence (AI) has brought significant transformations in various business sectors, including Muslim entrepreneurship. This research aims to analyze the opportunities and challenges of Muslim entrepreneurial transformation in the AI era based on the perspective of Maqashid Sharia. Using a qualitative method with a literature review approach (library research), this study examines various academic publications, international journals, and secondary sources related to the integration of AI in sharia business and digital Islamic ethics. The results of the study show that AI offers great opportunities for Muslim entrepreneurs in improving operational efficiency, business transparency, and competitiveness of the global halal market. However, significant ethical challenges arise related to algorithm bias, data privacy, accountability of autonomous systems, and sharia compliance. The Sharia Maqashid framework that includes the protection of religion (ḥifẓ al-dīn), the soul (ḥifẓ al-nafs), reason (ḥifẓ al-ʿaql), heredity (ḥifẓ al-nasl), and property (ḥifẓ al-māl) provides a holistic ethical foundation to guide the development of responsible AI in the context of Islamic entrepreneurship. The study recommends multidisciplinary collaboration between scholars, technology developers, and regulators to ensure ethical, sustainable, and aligned adoption of AI with Islamic principles.
The Influence of Liquidity, Implementation of Good Corporate Governance and Sales Growth on Financial Distress (Empirical Study on Property and Real Estate Companies Listed on the Indonesia Stock Exchange for the 2021-2023 Period) Jasmina Syafei; Syahda Falihah; Herman Gani
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 2 (2026): JAWI - JUNI
Publisher : MUI Kota Pekanbaru

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Abstract

This research aims to determine the effect of liquidity, implementation of good corporate governance and sales growth on financial distress (empirical study on property and real estate companies listed on the Indonesian stock exchange for the 2021-2023 period). This research sample was obtained using a purposive sampling technique, resulting in 64 samples obtained for the 2021-2023 research period. The type of data uses secondary data, data analysis uses classical assumption tests and hypothesis testing uses panel data regression analysis (pooled data) using the SPSS 25 tool. The results of this study show that the partial hypothesis calculation of variables shows that liquidity, managerial ownership, Institutional ownership and sales growth have a partial effect on financial distress. From the results of this research, the Determination Coefficient (R2) with a value of 0.219 was also obtained, meaning that 21.90% of financial distress disclosures were explained by the variables liquidity, managerial ownership, institutional ownership and sales growth. Meanwhile, the remaining 78.10% is influenced by other variables outside the research model.
Legal Compliance with the Collection and Distribution of Sharia Banking Funds: A Study of Contracts, OJK Regulations and DSN-MUI Fatwa Nanda Ega Rupita; Radi Erwandi; Nurnasrina
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 2 (2026): JAWI - JUNI
Publisher : MUI Kota Pekanbaru

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Abstract

Islamic banking as an integral part of the national financial system has a legal and sharia responsibility to ensure that all fundraising and distribution activities run according to the principles of fiqh muamalah. Legal compliance is a crucial aspect because every contract used, whether wadiah, mudharabah, murabahah, musyarakah, or ijarah—must not only meet the principles and requirements of the contract, but also be in line with the provisions of national regulations. This research is motivated by various phenomena of irregularities in the implementation of contracts that are still found in Islamic banking practices, such as routine wadiah grants, inaccuracies in the mudharabah ratio, murabahah practices without ownership of goods, and weaknesses in documentation and supervision in musyarakah and ijarah contracts. These inconsistencies show the need for an in-depth evaluation of the harmonization between Law No. 21 of 2008, the Financial Services Authority Regulation (POJK), and the DSN-MUI fatwa as the main legal source of the Islamic finance industry. This study aims to comprehensively analyze legal compliance in the collection and distribution of Islamic banking funds, by examining the suitability of wadiah and mudharabah contracts, the accuracy of the implementation of financing contracts, and the relationship between OJK regulations and DSN-MUI fatwas in forming legal certainty. The research methods used are normative legal research with a legislative approach, a fatwa approach, a conceptual approach, and a case study. The results of the study show that even though the legal framework and fatwa are fully available, the implementation of sharia compliance still faces challenges in the form of regulatory disharmony, limited sharia law literacy of bank human resources, and weak contract documentation. Harmonization between OJK regulations and DSN-MUI fatwas is an urgent need to create legal certainty, increase the effectiveness of sharia supervision, and strengthen the reputation and credibility of the Islamic banking industry in Indonesia.