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Dedi Junaedi
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Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Published by Institut Agama Islam Nasional Laa Roiba Bogor
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
Core Subject : Economy, Science, Agriculture, Social, Engineering,
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah is a scientific journal published by Pusat Riset dan Kebijakan Strategis PRKS) of  Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in collaboration with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies (IAFORIS) . This journal contains scientific papers from academics, researchers and practitioners in the fields of Islamic economics, finance and business research. E-ISSN 2656-4351 ISSN Print 2656-2871   DOI: 10.47467/alkharaj  Starting from Volume 1 Number 1 2019 to Volume 6 Number 3 of 2024 published on the website with the URL https://journal.laaroiba.ac.id/index.php/alkharaj. Starting from Volume 6 Number 4 2024 onwards it will be published with the URL https://journal-laaroiba.com/ojs/index.php/alkharaj.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 2,524 Documents
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Perlindungan Konsumen Terkait Informasi Nilai Gizi Pada Produk Minuman Kopi Perspektif Al- Maslahah: Studi Kasus Gerai Kopi Kenangan di Kota Medan Fadilah Akbar Harahap; Bagus Ramadi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 10 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i10.13650

Abstract

This study aims to analyze the implementation of consumer protection concerning the provision and accessibility of nutritional information on beverage products at Kopi Kenangan outlets in Medan City and to examine it from the perspective of Al-Maslahah in Islamic law. This study employs an empirical legal research method using statutory and conceptual approaches. Primary data were obtained through observation and interviews with Store Managers, baristas, and consumers of Kopi Kenangan, while secondary data were obtained from the Qur’an, hadith, laws and regulations, books, journals, and previous studies. The data were analyzed qualitatively through data condensation, data presentation, conclusion drawing, and verification using source and technique triangulation. The results show that consumer protection has been implemented through the provision of information regarding ingredients, sweetness levels, types of milk, and other product information through barista services and the company’s digital media. However, nutritional information, particularly sugar and calorie content, is not yet fully accessible to consumers at the point of purchase. Some consumers still need to ask baristas or search for information through the company’s application and the internet. From the perspective of Al-Maslahah, the provision of nutritional information reflects the principles of dar’u al-mafasid (preventing harm) and jalb al-maslahah (attaining benefits), while also supporting honesty and transparency in transactions. Therefore, providing nutritional information that is more visible, comprehensive, and easily understandable is necessary to optimize the fulfillment of consumer rights and support the protection of life and intellect in accordance with the objectives of Islamic law.
Perlindungan Konsumen Terhadap Dark Pattern Algoritma E-Commerce Perspektif Maqasid Syariah Nur Aisyah Purba; Zulham Zulham
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 10 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i10.13671

Abstract

The development of algorithm-based e-commerce has introduced various innovations in digital transactions, but it has also given rise to manipulative practices known as dark patterns. These practices involve interface designs and algorithms intentionally created to unconsciously influence consumer decisions, such as choice manipulation, false urgency, and the concealment of important information. This condition raises concerns regarding consumer protection because it may violate consumers’ rights to freedom of choice, transparency, and fairness in digital transactions. This study formulates two main problems: how consumer protection against algorithmic dark patterns in e-commerce is regulated under Indonesian positive law, and how maqasid sharia perspectives assess such practices. The study aims to analyze legal protection for digital consumers and reconstruct consumer protection concepts based on maqasid sharia principles. The research employs normative legal research using statutory, conceptual, and maqasid sharia approaches. Data sources were obtained from laws and regulations, legal literature, scientific journals, and related documents concerning digital consumer protection. The results show that consumer protection regulations in Indonesia have not specifically regulated algorithm-based dark pattern practices, resulting in a normative gap in supervising digital manipulation. From the maqasid sharia perspective, dark pattern practices contradict the principles of protection of intellect (hifz al-‘aql), protection of wealth (hifz al-mal), as well as the principles of justice and transparency in muamalah. Therefore, more adaptive, transparent, and ethically oriented digital regulations are needed to ensure comprehensive consumer protection.
Perlindungan Pelaku Usaha pada Transaksi Buy Now Pay Later pada E-Commerce Perspektif Maqoshid Syariah Abdul Rinaldi Safi’i Harahap; Uswatun Hasanah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 10 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i10.13674

Abstract

The growth of e-commerce has driven the rapid growth of Buy Now Pay Later (BNPL) services. While facilitating transactions, legal protection is heavily skewed toward consumers, while businesses remain vulnerable to the risk of default, unclear responsibilities, and imbalanced contractual clauses. According to Maqasid Syariah (Islamic Principles), asset protection (Ḥifẓ al-Māl) must be guaranteed for the sake of fair transactions, yet existing practices do not fully fulfill this. This study examines the protection of businesses and its compliance with sharia principles. The study employed , jurical-normative method through analysis of electronic agreement documents, platform policies, POJK regulations, and Islamic economic law literature. Primary data were obtained through direct observation of BNPL mechanisms, while secondary data came from regulations, journals, and articles related to Maqasid Syariah. The results show that while BNPL provides convenience and broad access for consumers, businesses face the risk of default, unclear contractual obligations, and standard clauses that limit protection. Unclear regulations and information gaps further increase the potential for losses, as existing regulations primarily protect consumers. A review of Maqasid Syariah (Islamic Law) emphasizes the importance of the principle of Ḥifẓ al-Māl (lawful provision of equity) for the sake of fairness and security of business assets. It concludes that protection for business actors remains weak; regulatory harmonization, refinement of sharia contracts, equitable risk sharing, and increased understanding of sharia finance are needed to make digital payment systems fairer, clearer, and more sustainable in accordance with sharia objectives.
Determination of Financial Behavior and Gen-Z Millennial Intention to Adopt Islamic Financial Technology: Integration of Diversity In (UTAUT) Tono Wartono; Darmun Darmun; Deni Prastiono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 10 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of Islamic financial technology (Islamic Financial Technology/Fintech) faces unique dynamics in influencing adoption and financial behavior across generations, especially Generation Z and Millennials. This study aims to analyze the factors that influence adoption intention and financial behavior of Generation Z and Millennials towards Islamic Fintech by integrating diversity variables into the Unified Theory of Acceptance and Use of Technology (UTAUT) framework. This research method uses a quantitative approach with Structural Equation Modeling-Partial Least Squares (SEM-PLS) analysis based on primary data collected through a survey of Generation Z and Millennial respondents. The research findings indicate that Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions have a positive and significant influence on Islamic Fintech adoption intention. Furthermore, diversity variables such as Islamic financial literacy level, educational background, demographics, and religiosity play a significant role as moderators that strengthen or weaken the relationship between UTAUT constructs, adoption intentions, and actual financial behavior. Islamic fintech adoption has been shown to encourage more planned, responsible, and sharia-compliant financial behavior. This research provides a theoretical contribution in the form of an inclusive extension of the UTAUT model to address generational diversity, as well as practical implications for regulators and developers of the Islamic fintech industry in designing effectively segmented marketing and education strategies.

Page 253 of 253 | Total Record : 2524

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