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Moh. Aqil Musthofa
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INDONESIA
Al-Faruq
ISSN : -     EISSN : 30308542     DOI : https://doi.org/10.58518/alfaruq
Core Subject : Social,
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam diterbitkan oleh Program Studi Hukum Ekonomi Syariah, Fakultas Syariah, Institut Agama Islam Tarbiyatut Tholabah (IAI TABAH) Lamongan. Jurnal ini didedikasikan untuk penyebarluasan kajian ilmiah di bidang hukum ekonomi syariah, fikih muamalah, hukum islam atau ilmu syariah. Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam terbit dua kali setahun pada bulan Januari dan Juli. Semua publikasi di Jurnal Al-Faruq bersifat akses terbuka yang memungkinkan artikel tersedia secara bebas tanpa berlangganan apapun.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 40 Documents
Peran Financial Technology dalam Hukum Islam sebagai Upaya Preventif terhadap Tindak Pemalsuan Uang Rif'ah, Sifwatir; Rozin, Ahmad
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3577

Abstract

The circulation of counterfeit money threatens the stability of the Indonesian economy. This study aims to analyze the role of financial technology in preventing the circulation of counterfeit money at UIN Alauddin Makassar from the perspective of sharia law, through a literature study from various sources. The method used is a qualitative approach with a literature study approach from scientific journals, books, and trusted sources related to financial technology and sharia law. The results of the study show that fintech, through innovations such as digital wallets and peer-to-peer lending, can be an effective preventive strategy in minimizing cash transactions and risks such as the circulation of counterfeit money, but its implementation must be in accordance with sharia principles, such as the prohibition of usury and transparent transactions. Thus, financial technology has great potential to prevent the circulation of counterfeit money and its development needs to be supported by increased digital literacy and collaboration between stakeholders to create a more stable and reliable financial system whose implementation is in accordance with the provisions of sharia law.
Kesenjangan dan Perlindungan Hukum Nasabah BMT di Indonesia: Systematic Literature Review Ananda, Briza Khaterine; Rahman, Taufiqur
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3700

Abstract

Penelitian ini bertujuan untuk mengkaji kesenjangan dan perlindungan hukum nasabah dalam praktik Baitul Maal wat Tamwil (BMT) di Indonesia, dengan pertanyaan utama: sejauh mana literatur ilmiah tahun 2019–2024 membahas perlindungan hukum nasabah BMT dan celah penelitian apa saja yang masih belum tergarap. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan menelusuri dan menyeleksi artikel dari database seperti Google Scholar, DOAJ, dan Garuda. Dari hasil analisis terhadap sebelas artikel, ditemukan bahwa isu perlindungan nasabah masih didominasi pendekatan normatif, minim data empiris, serta belum menyentuh aspek partisipasi nasabah dan pemanfaatan teknologi. Penelitian ini menyarankan penguatan riset berbasis lapangan, pemanfaatan sistem digital, serta pembentukan Lembaga Penjamin Simpanan (LPS) Syariah sebagai solusi konkret. Kajian ini diharapkan menjadi dasar pengembangan kebijakan perlindungan konsumen di sektor keuangan mikro syariah. 
Kajian tehadap Faktor yang Mempengaruhi Pertumbuhan Asuransi Syariah di Indonesia Anjelina, Juwita; Andrini, Rozi
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3881

Abstract

Asuransi syariah merupakan bagian penting dari industri keuangan syariah yang memiliki prospek besar di Indonesia, negara dengan populasi Muslim terbesar di dunia. Meskipun potensinya besar, penetrasi pasar asuransi syariah masih rendah dibandingkan dengan asuransi konvensional. Penelitian ini bertujuan untuk menganalisis berbagai faktor yang mempengaruhi pertumbuhan asuransi syariah di Indonesia. Metode yang digunakan adalah studi pustaka dengan pendekatan deskriptif kualitatif, di mana sumber data diperoleh dari buku, jurnal, laporan resmi, dan dokumen relevan lainnya. Hasil penelitian menunjukkan bahwa terdapat beberapa faktor utama yang mendorong pertumbuhan asuransi syariah, antara lain tingkat pendidikan dan pendapatan, peningkatan jumlah unit usaha syariah, peran strategi energi pemasaran, layanan digitalisasi, dukungan regulasi yang jelas, serta peningkatan literasi keuangan masyarakat. Penelitian ini juga menemukan peluang seperti kolaborasi dengan fintech dan peningkatan aksesibilitas melalui teknologi digital. Di sisi lain, tantangan yang dihadapi mencakup rendahnya literasi masyarakat, keterbatasan sumber daya manusia yang profesional, dan kurangnya promosi produk. Implikasi dari penelitian ini menekankan pentingnya sinergi antara pemerintah, industri, akademisi, dan masyarakat dalam mengembangkan strategi yang efektif untuk memperluas jangkauan dan meningkatkan kepercayaan terhadap asuransi syariah. Dengan pendekatan yang tepat, asuransi syariah dapat tumbuh secara berkelanjutan dan inklusif di Indonesia.
Regional Synergy Model in Strengthening Islamic Social Finance: Southeast Asian Perspective Zakiyah, Hanifah; Andrini, Rozi
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3989

Abstract

Islamic Social Finance (ISF) is a vital instrument in promoting economic justice in Islam through the management of zakat, infaq, sadaqah, and waqf (ZISWAF). In Southeast Asia, Muslim-majority countries such as Indonesia, Malaysia, and Brunei have developed national-level ISF systems. However, regulatory fragmentation, the absence of cross-border coordination, and suboptimal technological integration remain significant barriers to collective efforts aimed at empowering the Muslim community at the regional level. This research designs an adaptive and sustainable regional synergy model in strengthening Islamic Social Finance in Southeast Asia. The research employs a descriptive qualitative approach, relying on in-depth literature analysis of regulations, institutional reports, and academic publications in the field of Islamic social finance. Data were analyzed using content analysis to identify challenges and opportunities for inter-country collaboration and to develop a conceptual framework for cross-border synergy. The findings reveal a high potential for ISF in the region, supported by a large Muslim population, active managing institutions, and advancing digitalization in several countries. Nonetheless, disparities in legal systems, lack of data sharing, and the dominance of national approaches serve as major constraints. This article proposes the establishment of a synergy model consisting of a regional coordinating institution, a Southeast Asia ISF data center, and a shared digital platform for managing cross-border ZISWAF funds. The study recommends ASEAN support in creating a regional legal framework for ISF, the development of cross-national human resources, and collaborative research to ensure effective and sustainable implementation.
Perlindungan Hak Ekonomi Pencipta Lagu dalam Perspektif Maqāṣid al-Syarī’ah Zuhdi, Irfan; Irfan, Irfan
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.4049

Abstract

The high rate of copyright infringement in Indonesia, particularly concerning musical works, reflects a paradox between Islamic values that uphold justice and prevailing social practices that neglect the economic rights of creators. This study aims to evaluate the protection of the economic rights of songwriters under Law No. 28 of 2014 and Government Regulation No. 56 of 2021 through the lens of maqāṣid al-syarī‘ah. Employing a normative juridical approach and qualitative analysis of statutory regulations alongside classical and contemporary Islamic legal thought, the study finds that Indonesia’s copyright regulations align substantially with the principle of ḥifẓ al-māl (protection of wealth) and other core objectives of Islamic law. The protection encompasses exclusive rights, licensing procedures, and a royalty management system administered by collective management organizations. The findings highlight the importance of integrating positive law with Islamic ethical values to build a just, sustainable, and welfare-oriented legal framework. The implications of this study are expected to strengthen legal legitimacy, enhance public awareness, and encourage policymakers to adopt more proactive measures in protecting copyright.
Urgensi Pengembangan Akad Musyarakah sebagai Inovasi Produk Pembiayaan Produktif BMT di Lingkungan Kampus Salsabila, Maulani; Susilawati, Cucu
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 5 No. 1 (2026): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v5i1.4453

Abstract

This research is motivated by the limited access to productive financing faced by academics in the university environment, while the financing products available at Baitul Māl Wat Tamwīl (BMT) in the campus environment are still dominated by consumptive contracts and have not accommodated partnership-based financing. This condition raises the need for the development of a fairer and more sustainable sharia financing model. The problem studied in this study is how urgent is the urgency of developing musyarakah contracts as an innovation of BMT productive financing products in the campus environment and its relevance for the empowerment of the academic community. The research method used is a literature study with a qualitative-descriptive approach through the analysis of the literature on sharia economic law, related regulations, and previous studies on BMT and musyarakah contracts. The results of the study show that the musyarakah contract has great potential to be developed as a productive financing product for BMT in the campus environment because it emphasizes the principle of partnership and proportional risk sharing. The development of musyarakah contracts is considered to be able to be an alternative financing that supports the entrepreneurship of the academic community and strengthens the role of campus BMT in an inclusive and sustainable Islamic financial ecosystem.
Pengelolaan Hotel RedDoorz Syariah Near Sun City Mall Sidoarjo: Tinjauan Fatwa DSN-MUI Faiz, Muhammad
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 5 No. 1 (2026): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v5i1.4475

Abstract

The increasing demand for halal tourism in Indonesia is not balanced by the consistent implementation of sharia principles in the hospitality sector, including the uneven ownership of halal certificates in several hotels that claim to apply sharia principles. This study aims to analyze the suitability of the management of the RedDoorz Syariah Hotel Near Sun City Mall Sidoarjo with Fatwa of National Sharia Board – Indonesian Ulama Council (DSN-MUI) on Guidelines for the Implementation of Sharia Hotel Business. The method used is qualitative with a case study approach through observation, in-depth interviews, and document analysis. The results of the study show that although hotels do not yet have an official certificate from the MUI, in practice they have implemented most of the sharia principles from the Fatwa of DSN-MUI, such as screening non-mahram guests, providing worship facilities, and preventing immoral acts. However, imperfections were found in the aspect of using Islamic financial services and the absence of a Sharia Supervisory Board (DPS) in its structure. The implication of these findings is the importance of more systematic supervision and refinement of financial aspects to achieve comprehensive sharia compliance as well as evaluation material for the sharia hotel certification process.
Rekonstruksi Konsep Keadilan Distributif dalam Membangun Kesejahteraan Sosial Perspektif Ekonomi Islam Ira, Maulana
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 5 No. 1 (2026): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v5i1.4627

Abstract

Injustice and inequality in the distribution of income and wealth, both in developed and developing countries that embrace capitalism in their economic systems, create poverty. This study aims to analyze the dynamics of distribution within a capitalist economic system, the nature of distribution within Islamic economics, and Islamic solutions for the government to create prosperity and distributive justice. The method used is a qualitative approach using literature studies from scientific journals, books, and other sources related to Islamic economics. The results of the study indicate that the dynamics of distribution within a capitalist economic system are determined by market mechanisms (prices), private ownership (capital), and free competition. Distributive justice in Islamic economics focuses on the fact that existing economic theories are unable to address the problems of poverty and income and wealth inequality. In achieving distributive justice, Islamic economics requires the government to play a role in upholding values ​​and morals, maintaining the technical operation of market mechanisms, and taking responsibility for market failures.
Akad Musāqah dalam Hadis: Kajian Takhrīj, Analisis Sanad-Matan, dan Istinbāṭ al-Aḥkām Rangkuti, Chairil Irawan; Jamil, M.; Yuslem, Nawir
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 5 No. 1 (2026): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v5i1.4638

Abstract

This article aims to examine the hadiths about musāqah through the approach of studying ahkam hadith, focusing on aspects of hadith takhrīj, analysis of sanad and matan, understanding mufrādat, hadith explanatory, and the process of istinbāṭ al-aḥkām that gives birth to the rules of fiqh and the principles of uṣūl fiqh related to muamalah. This research uses a qualitative approach with the library research method. The main data is sourced from the hadiths about musāqah found in Ṣaḥīḥ Muslim and Ṣaḥīḥ Bukhārī, as well as other narrations that serve as reinforcements. The analysis is carried out through tracing the path of hadith narration, assessing the credibility of the narrator based on jarḥ wa ta'dīl literature, and matan analysis by considering the suitability of the hadith text with the general principles of sharia and the practice of the Prophet Muhammad saw. Furthermore, the process of istinbāṭ al-aḥkām is carried out with the approach of uṣūl fiqh and the comparison of the opinions of fiqh scholars. The results of the study show that the hadiths about musāqah have the status of sahih and have a strong sanad, and show the legitimacy of the sharia for the agricultural cooperation contract based on profit sharing. From these hadiths, it can be concluded that the ability of the musāqah contract is provided that there is clarity of the object, the division of the agreed results, and the absence of an element of tyranny. This study confirms that musāqah is an agreement that reflects the principles of justice, benefit, and flexibility of Islamic law, making it relevant to be applied in the context of contemporary Islamic agriculture and economics.
Menelaah Kembali Peran Maṣlaḥah sebagai Sumber, Metode, dan Tujuan Hukum Islam Lubis, Alwi Ibrahim; Harahap, Anri Habibi; Hasanah, Uswatun
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 5 No. 1 (2026): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v5i1.4643

Abstract

Maṣlaḥah constitutes a fundamental principle in Islamic law, functioning not only as a legal objective but also as a source and method of legal reasoning. This article revisits the concept of maṣlaḥah, with particular attention to maṣlaḥah mursalah as a basis for ijtihād in situations where no explicit textual evidence is available, and examines its relationship with maqāṣid al-syarī’ah. Through an analytical review of the thought of classical and modern scholars such as al-Ghazali, Abd al-Wahhab Khallaf, and Najm al-Din al-Thufi, this study demonstrates a spectrum of approaches to maṣlaḥah, ranging from restrictive to more progressive interpretations. Furthermore, the classification of maṣlaḥah into three levels: ḍarūriyyah, ḥājiyyah, and taḥsīniyyah, highlights its crucial role in maintaining the relevance, flexibility, and normative orientation of Islamic law amid social change. This article argues that maṣlaḥah is not merely a complementary element in Islamic legal theory, but a central instrument in realizing public welfare and safeguarding the higher objectives of the sharia.

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