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Azka Amalia Jihad
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JOURNAL SECRETARIAT: Building A, Sharia Economic Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry Banda Aceh, Indonesia. Jl. Syeikh Abul Rauf Kopelma Darussalam Banda Aceh, Indonesia, Postal Code 23111 E-mail: almudharabah@ar-raniry.ac.id | website: https://journal.ar-raniry.ac.id/index.php/mudharabah MAPS: https://maps.app.goo.gl/HE1rr2qDD8gdRMSY9
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Al-Mudharabah
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : 26550547     EISSN : 28293665     DOI : http://doi.org/10.22373
Core Subject : Religion, Humanities, Social,
Religion Humanities Social Sciences
Mudharabah: Journal of Sharia Economics and Finance is professionally managed and published by the Sharia Economic Law Study Programme, Faculty of Sharia and Law, UIN Ar-Raniry in helping academics, researchers and practitioners to disseminate their research results. Al-Mudharabah: Journal of Islamic Economics and Finance is a blind peer-reviewed journal dedicated to the publication of quality research results related to the field of Islamic Economics and Finance. All publications in Al-Mudharabah journal are open access allowing articles to be freely available without any subscription. THE SCOPE OF AL-MUDHARABAH: Jurnal Ekonomi dan Keuangan Syariah includes all the areas of research activities in all fields of Economics as theoritical and practical, Islamic Business Economics, Business Law, Economic Management, Microeconomics, Macroeconomics, International economics, International Trade, Experimental economics, Fiscal policy, Health Economics, Economics of Innovation and Entrepreneurship, Industrial Economics, Labour Economics, Inflation and monetary policy, Information economics, Environmental economics, and Agricultural economics etc and Finance as Public Finance, Personal finance, Securities and Investment Analysis, Institutional Finance, International Finance, Financial Management, Managerial finance, Corporate finance, Financial planner, Behavioral finance, Financial mathematics, Financial economics, Monetory, etc.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 238 Documents
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PAYMENT AGREEMENT SYSTEM FOR NON-CASH PRODUCT PURCHASES AT PT WINGS FOOD ACEH BESAR ACCORDING TO BA'I AL-DAYN CONTRACT Al Ghifari Fauzi; Hajarul Akbar
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v7i1.9642

Abstract

This study aims to analyze the payment agreement system for non-cash product purchases implemented by PT Wings Food Aceh Besar from the perspective of the ba'i al-dayn contract. The research uses a qualitative method with a normative sociological approach, through interviews with suppliers and a literature review. The results of the study show that the non-cash payment system provides access to capital for small traders without the addition of interest, so that it is in line with the basic principle of ba'i al-dayn. However, this practice also contains potential gharar due to the uncertainty of repayment when traders reorder before the previous obligation is settled. The findings of this study confirm the importance of strengthening risk management, especially through the establishment of receivables limits and gradual settlement schemes, to ensure that transactions remain in accordance with the principles of muamalah and are sustainable for both parties. This research is expected to contribute to expanding the study of the application of the ba'i al-dayn contract to modern distribution trade practices.
ANALYSIS OF UJRAH RIGHTS FOR CUSTOMERS ON THE MURABAHAH BIL WAKALAH CONTRACT CLAUSE: Muamalah Fiqh Study Alya Nesha Putri Zega; Azka Amalia Jihad
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v7i1.9688

Abstract

This study aims to analyse the right of ujrah for customers under the murabahah bil wakalah contract clause, from the perspective of fiqh muamalah and sharia economic law in Indonesia. Murabahah bil wakalah is a financing scheme that is widely used in Islamic banking, but in practice, there are still problems related to the charging of ujrah that are not always clearly separated from the margin of murabahah. This study uses a normative juridical method with a statutory and conceptual approach, drawing on the DSN-MUI fatwa, the Compilation of Sharia Economic Law (KHES), Law Number 21 of 2008 concerning Sharia Banking, as well as classical and contemporary muamalah fiqh doctrines. The results of the study show that the imposition of ujrah in the murabahah bil wakalah contract is justified under sharia as long as it is treated as a reward for wakalah services, agreed in advance, separated from the murabahah margin, and carried out in accordance with the principles of justice and transparency. This research is expected to make a normative contribution to strengthening sharia financing practices that are fair, transparent and in accordance with sharia principles.
PRICING IN THE TRANSACTION OF BUYING AND SELLING CLOTHES WITH MURABAHAH CONTRACT BY MSMES IN GAMPONG RUMPET, ACEH BESAR M. Deri Andrian
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v7i1.9690

Abstract

This study aims to analyze pricing practices in clothing sales transactions conducted by Micro, Small, and Medium Enterprises in Gampong Rumpet from the perspective of the murabahah contract in Islamic jurisprudence (fiqh muamalah). The main focus of this research lies in the pricing mechanism applied by MSME actors and its conformity with the principles of transparency regarding cost price and clarity of profit margin, which constitute the essential characteristics of the murabahah contract. This research employs an empirical legal method using a case approach and a conceptual approach. Data were collected through interviews, observations, and literature review, and subsequently analyzed using qualitative descriptive analysis. The findings indicate that pricing practices among MSMEs in Gampong Rumpet generally involve disclosing only the final selling price without informing consumers of the cost price and profit margin, thereby failing to fully comply with the requirements of a murabahah contract. This condition has the potential to give rise to elements of gharar (uncertainty) and an imbalance in bargaining positions, which contradicts the principles of justice and equality in Islamic economics. Therefore, this study recommends the need for education and assistance for MSME actors regarding the application of a simplified murabahah model that nonetheless upholds the principles of transparency and fairness in order to realize transactions in accordance with Islamic values.
LEGAL ANALYSIS OF DEFAULT IN SALE AND PURCHASE TRANSACTIONS USING THE CASH ON DELIVERY PAYMENT METHOD ON THE SHOPEE MARKETPLACE Mufijar Ajam; Muhammad Iqbal
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

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

Abstract

The development of the e-commerce banking system in Indonesia has led to the rise of the Cash on Delivery (COD) payment method, which is a popular choice among consumers. However, the practice of COD also poses a risk of default: consumers refusing to pay or accept goods without a valid reason, which is detrimental to sellers and couriers. This study aims to analyse the problem of default in COD transactions on the Shopee marketplace from the perspectives of positive law, muamalah fiqh, and the Consumer Protection Law. The research method employs a normative-empirical approach, including a review of legal documents and the literature, as well as interviews with Shopee consumers and couriers. The results of the study show that COD transactions have the characteristics of a cash sale-and-purchase agreement (bai’mutlaq) but contain elements of uncertainty (gharar) for the seller. Formal law enforcement is limited to small transactions, so platform law becomes a practical mechanism for resolving disputes internally. This study emphasises the need to strengthen regulations, transparent internal marketplace procedures, and consumer legal education to ensure that COD transactions are fair, safe, and in accordance with Sharia principles.
ANALYSIS OF ADDENDUM CONTRACTS ON SETTLEMENT CONSTRUCTION OF WTP CONSTRUCTION PROJECT IN ACEH TENGAH, ACCORDING TO THE CONCEPT OF IJARAH 'ALA AL-AMAL Hafizhan Asza, Alwafi; Abdullah, Arifin
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v7i1.9697

Abstract

The construction of the Wastewater Treatment Plant (WWTP) in Aceh Tengah Regency is a strategic government project implemented through a construction service contract between the P2P Work Unit as the project owner and PT Meudang Pirak as the service provider. During its implementation, the project encountered various technical and non-technical constraints that resulted in contract changes through three addendum contracts. This condition raised legal issues regarding the validity of the addendum contracts under both positive law and the perspective of Islamic jurisprudence (fiqh muamalah), particularly within the framework of the ijārah 'ala al-'amāl contract. Therefore, the research problems of this study focus on the validity of the main contract and its addendums in the Aceh Tengah WWTP project and their conformity with the principles of ijārah 'ala al-'amāl. This study employs a qualitative method with a descriptive-analytical approach through library research by examining contract documents, statutory regulations, and relevant fiqh muamalah literature. The findings indicate that all addendum contracts implemented constitute legally valid contractual adjustments from administrative, juridical, and sharia perspectives, as they do not eliminate the pillars and conditions of the ijārah contract. Instead, the addendums function to maintain contractual continuity, ensure clarity of the work object, guarantee certainty of ujrah (wages), and realize the principles of justice and public benefit (maṣlaḥah). Accordingly, the main contract and its addendums in the Aceh Tengah WWTP project are deemed valid and consistent with both positive law and Islamic jurisprudence.
ONLINE NON-CASH GOLD PURCHASE AND SALE TRANSACTIONS THROUGH THE SHOPEE PLATFORM FROM THE PERSPECTIVE OF ISLAMIC COMMERCE Tiara Oktavina; Mumtazinur; Muhammad Husnul
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v7i1.9736

Abstract

This article discusses cashless online gold transactions on the Shopee platform amid ongoing conflicts with Sharia economic law. The purpose of this study is to determine and analyse how cashless online gold transactions on the Shopee platform are conducted, and to examine their perspective on Islamic law. This research method is qualitative and uses a conceptual approach; it is normative legal research. The results and discussion in this article indicate that digital gold transactions on Shopee do not fully comply with Sharia principles due to the unclear mechanism of the sale and purchase agreement in accordance with Sharia economic law, the absence of direct handover, and the potential for elements of gharar and usury in the buying and selling process. Therefore, supervision, consumer education, and adjustments to transaction mechanisms are needed to comply with Islamic law, so that digital gold investment can become a halal, safe, and trusted financial instrument for Muslims.
ANALYSIS OF WAGES AND BONUSES OF NON-ASN EMPLOYEES AT THE ACEH PROVINCIAL SOCIAL SERVICE : (Study According to the Concept of Ijârah 'ala Al-'Amâl) Yuslukhalbi, Gunawan; Muhammad Yusran Hadi
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 2 (2025): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v6i2.8356

Abstract

This article analyzes the wage and bonus system for non-civil servant employees (non-ASN) at the Aceh Provincial Social Service from the perspective of the Islamic economic contract Ijârah 'Ala al-'Amâl. The main issue addressed is the injustice between the significant contributions of non-ASN employees—who play a crucial role in public services—and the compensation they receive. Most wages remain below the Provincial Minimum Wage (UMP) and are not accompanied by allowances, bonuses, or social security, thereby creating a gap with civil servants (ASN) and raising concerns about legal certainty in employment relations. This study employs a normative-empirical approach with a descriptive qualitative method, using structured interviews and an examination of regulations as well as Islamic jurisprudence literature on muamalah. The findings reveal that employment agreements for non-ASN staff at the Aceh Provincial Social Service fulfill the essential pillars of the Ijârah contract, such as the contracting parties (aqid), namely the Social Service (as musta'jir) and the non-ASN employees (as ajîr), the object of the contract (ma'qud 'alaih), the agreed remuneration (ujrah), and the contractual declaration (sighat) of offer and acceptance. However, when assessed against the conditions of Ijârah, deficiencies are found, particularly due to workloads that do not align with the written contract, leading to invalidity in the object of the contract.
RISK PROTECTION SYSTEM IN THE PROCUREMENT OF SECOND-HAND CARS ACCORDING TO THE MABI’ CONCEPT IN THE BAI’ MUSAWWAMAH CONTRACT Barizki, T Fariz; Bukhari Ali; Nahara Eriyanti
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

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

Abstract

Used car showrooms in Banda Aceh demonstrate that this industry plays an important role in providing more affordable vehicle alternatives for the community. Showrooms such as Nazwa Jaya Mobil and Graha Jaya Mobil offer a wide selection of used vehicles that have undergone rigorous inspections to ensure quality, as well as after-sales services, including warranties and maintenance. With different approaches, these two showrooms have succeeded in attracting consumers by providing high-quality vehicles and flexible financing options. In addition, showroom owners’ ability to assess the condition of used cars suitable for resale is very important for maintaining consumer trust and preventing fraud that can harm both the showroom and the buyer. Furthermore, in terms of risk protection in used car purchase transactions, showroom owners make various efforts to protect their businesses. Measures such as strict supplier selection, vehicle condition checks, clear supplier contracts, and vehicle insurance are part of risk mitigation efforts. In the context of Fiqh Muamalah, the application of the mabī concept in the bai musāwamah contract provides a strong basis for risk protection, emphasising transparency of information, honesty regarding vehicle condition, and the use of written contracts to regulate the rights and obligations of both parties. Thus, the risk protection system applied in used car transactions can minimise losses and increase the sustainability of the showroom business.

Page 24 of 24 | Total Record : 238

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