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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 259 Documents
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THE SYSTEM OF DETERMINING SUBSIDIZED FERTILIZER RECIPIENTS FOR COFFEE FARMERS BY THE BENER MERIAH AGRICULTURE AND PLANTATION OFFICE ACCORDING TO THE CONCEPT OF AT-TAS'IR AL-JABARI Yusriga; Ramli, Misran
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.v7i1.9691

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
WITHDRAWAL OF PARENT-TO-CHILD GRANTS IN THE PERSPECTIVE OF THE ḤANAFIYYAH SCHOOL AND THE PRINCIPLE OF WEALTH DISTRIBUTION IN SHARIA ECONOMIC LAW Irham, Zahrul; Saifullah
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.v7i1.9892

Abstract

This study examines the legal issue of revoking parental gifts (hibah) to children from the perspective of the Ḥanafī school and its relevance to the principles of wealth distribution in Islamic economic law. The focus is directed toward analyzing the views of Ḥanafī scholars who emphasize the prohibition of revoking hibah to children, as hibah is regarded as a transfer of ownership that must remain stable once completed, while the parent–child relationship itself is considered a non-material compensation ('iwāḍ ma'nawī) that nullifies the right of revocation. The research employs a conceptual and statutory approach within the framework of normative legal study, with data obtained from library sources and analyzed descriptively-prescriptively. The findings conclude that parental hibah to children must be regarded as a final and irrevocable transfer, ensuring ownership certainty, justice, and trust within the family, and aligning with the objectives of Islamic law (maqāṣid al-sharī'ah) in preserving wealth (ḥifẓ al-māl) and lineage (ḥifẓ al-nasl).
ANALYSIS OF THE PRACTICE OF RICE SHARING COOPERATION FROM THE PERSPECTIVE OF AKAD MUZARA’AH M Rivaldi; Abd Razak
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.v6i2.9592

Abstract

The agricultural sector plays a vital role in supporting the community, not only as a source of income but also as a central pillar of national food security. In Indonesia, particularly in Gampong Lhok Dalam, Peureulak Timur Subdistrict, East Aceh Regency, the profit-sharing cooperation pattern between landowners and farmers has long been a traditional practice. This study aims to examine the rice farming profit-sharing system in the village from the perspective of muzara’ah contracts and Islamic economic law. The study uses a descriptive qualitative approach, with data collected through interviews with landowners and farmers, accompanied by a review of relevant literature. Findings in the field indicate that profit-sharing cooperation is still conducted verbally, without a written agreement. The pattern of profit sharing also varies—generally 1:2 or 1:3—depending on the agreement and each party’s contributions. In many cases, the cultivators bear all production costs, such as seeds, fertilisers, and labour, but receive a smaller share of the profits than the landowners. This condition indicates an imbalance that does not reflect the principle of fairness in muzara‘ah contracts. This study also found a lack of transparency in the crop yield recording process, which often leads to disputes between the cooperating parties. From the perspective of Islamic economic law, this practice is not fully compliant with sharia provisions because it still contains elements of gharar (uncertainty) and the potential for actions that are detrimental to one party (zulm). Therefore, it is necessary to understand and apply the muzara’ah contract more formally through clear, written, and transparent agreements so that the division of rights and obligations can be carried out fairly in accordance with sharia principles. The results of this study are expected to form the basis for developing a sharia-based agricultural cooperation model that can improve farmers’ welfare and sustainably strengthen the village economy.
THE REALITY OF SHOP RENTAL PRICES AND TENANTS’ INCOME CAPACITY IN IJᾹRAH ‘ALᾹ AL-MANᾹFI’ AGREEMENTS IN BANDA ACEH Aklil Muyassar; Safira Mustaqilla
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.v7i1.9629

Abstract

This study aims to analyse the reality of shop rental pricing and its suitability to tenants’ income capacity from the perspective of ijārah ‘ala al-manāfi’ contracts in Banda Aceh City. The practice of renting shops in strategic locations has led to a significant upward trend in rental prices, often set unilaterally, creating an imbalance between rental costs and the sustainability of tenants’ businesses. This study is an empirical legal study that uses a case study and a conceptual approach. Data was obtained through interviews with tenants and shop owners directly involved in rental practices, supported by a review of relevant fiqh muamalah literature. The results show that shop rental prices in Banda Aceh are generally determined by location and market demand, but are often set without a clear written contract specifying the terms and mechanism for rent increases. Rent increases were found to be unilateral and disproportionate to tenants’ income capacity, causing an imbalance between rental costs and business profits. This practice contributes to the decline in tenants’ business stability, hindering long-term planning and increasing the risk of losses and business relocation. This study concludes that shop rental practices in Banda Aceh are not yet fully in accordance with the principles of ijārah ‘ala al-manāfi’, particularly those related to willingness (tarāḍin), fairness, transparency, and benefit. There is a need to formulate clearer and fairer rental agreements so that the mechanism for determining rental prices does not disadvantage either party and is in line with the principles of Islamic economic law.
ANALYSIS OF WAGE DISTRIBUTION AMONG FACTORY WORKERS BOTTLED DRINKING WATER ACCORDING TO IJÂRAH’ ALA AL-'AMÂL CONTRACT: A Study at the Tera Factory in Seulimeum District Muhammad Rizki; 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 | DOI: 10.22373/al-mudharabah.v7i1.9633

Abstract

Sistem pengupahan merupakan aspek penting dalam hubungan kerja yang berpengaruh langsung terhadap keadilan dan kesejThe wage system is an important aspect of labour relations that directly affects workers’ fairness and welfare. From an Islamic law perspective, wages are regulated through the ijârah ‘ala al-‘amâl contract, which emphasises clarity, fairness, and the protection of the rights and obligations of the parties. However, in practice, there are still differences in treatment and potential injustices in the wage system, particularly between daily and monthly workers. The main issue in this study lies in the mechanism of wage distribution for workers at the Tera Bottled Water Factory in Seulimeum District and the extent to which it complies with the principle of fairness in the ijârah ‘ala al-‘amâl contract. The research method is descriptive, analytical, and qualitative, with an empirical sociological approach, and is conducted through a literature review, in-depth interviews with workers, and field observations. The results show that daily workers do not receive wages when they do not work due to factory operational disruptions not caused by their negligence. In contrast, monthly workers still receive their basic wages. This practice has the potential to burden daily workers with operational risks and does not fully reflect the principle of fairness in the ijârah ‘ala al-‘amâl contract. Therefore, it is necessary to review the wage policy to make it more equitable and in line with Sharia values in employment relationshipsahteraan pekerja. Dalam perspektif hukum Islam, pengupahan diatur melalui akad ijârah ‘ala al-‘amâl yang menekankan kejelasan, keadilan, serta perlindungan hak dan kewajiban para pihak. Namun, dalam praktiknya masih ditemukan perbedaan perlakuan dan potensi ketidakadilan dalam sistem pengupahan, khususnya antara pekerja harian dan pekerja bulanan. Permasalahan utama dalam penelitian ini terletak pada mekanisme pembagian upah pekerja di Pabrik Air Minum Dalam Kemasan Tera Kecamatan Seulimeum serta sejauh mana kesesuaiannya dengan prinsip keadilan dalam akad ijârah ‘ala al-‘amâl. Metode penelitian yang digunakan adalah penelitian kualitatif deskriptif analitis dengan pendekatan sosiologis empiris, yang dilakukan melalui studi kepustakaan, wawancara mendalam dengan pekerja dan observasi lapangan. Hasil penelitian menunjukkan bahwa pekerja harian tidak memperoleh upah ketika tidak bekerja akibat gangguan operasional pabrik yang bukan disebabkan oleh kelalaian mereka, sementara pekerja bulanan tetap menerima upah pokok. Praktik ini berpotensi membebankan risiko operasional kepada pekerja harian dan belum sepenuhnya mencerminkan prinsip keadilan dalam akad ijârah ‘ala al-‘amâl. Oleh karena itu, diperlukan peninjauan ulang kebijakan pengupahan agar lebih berkeadilan dan selaras dengan nilai-nilai syariah dalam hubungan kerja.
OWNERSHIP RESPONSIBILITY AND TENANT RIGHTS FROM THE PERSPECTIVE OF CONSUMER PROTECTION LAWS AND ISLAMIC LAW: A Case Study in Gampong Batoh Banda Aceh, Indonesia Arif Afrijal; Muhammad Yusuf
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.v7i1.9662

Abstract

Boarding houses, as a form of residential service business, have given rise to legal relationships between boarding house owners and tenants that fall within not only civil law but also consumer protection law and Islamic law. Boarding house tenants use residential services in exchange for payment, so, normatively, they can be positioned as consumers, while boarding house owners are positioned as business actors. This study aims to analyse the position of boarding house tenants as consumers, the practice of boarding house rental relationships in the field, and the liability of boarding house owners under Law Number 8 of 1999 concerning Consumer Protection, and from an Islamic law perspective. This study employs an empirical legal method and a sociological juridical approach, drawing on interviews and literature. The results show that, normatively, boarding house tenants have a strong legal basis for protection in both positive law and Islamic law. Still, in practice, this protection has not been optimally implemented due to imbalances in bargaining power, weak written agreements, and low legal awareness among the parties. The Consumer Protection Law and the principle of ijarah contract in Islamic law both emphasise the obligation of good faith and the responsibility of boarding house owners towards tenants’ losses. Therefore, it is necessary to strengthen regulations and internalise the value of justice to realise a boarding house rental practice that is substantively fair.
LEGAL PROTECTION FOR ODONG-ODONG TRANSPORTATION USERS UNDER LAW NUMBER 8 OF 1999 CONCERNING CONSUMER PROTECTION Miftahuddin, Miftahuddin; Musthofa, Ahmad Misbakh Zainul; Anggi Irawan
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.v7i1.10294

Abstract

Odong-odong transportation is a form of entertainment widely used by the public, especially in tourist areas. However, in practice, odong-odong operations often do not meet the standards of eligibility and legal permits according to applicable laws. This can potentially endanger users of transportation services, resulting in material and immaterial losses. This study aims to analyze the form of legal protection for consumers and the responsibilities of business actors in providing consumer security and safety guarantees based on Law Number 8 of 1999 concerning Consumer Protection. The research method used is juridical-empirical by implementing normative legal provisions to events that occur in society, and supported by interview results as primary data and related literature as secondary data. The results of the study indicate the importance of fulfilling the rights of odong-odong transportation users. Therefore, in addition to enforcing laws and regulations, the government needs to play a role in supervising so that legal protection for consumers becomes more optimal. Keywords: Consumer Protection, positive law, odong-odong
EVALUATING THE IMPLEMENTATION OF PSAK 109 IN ZAKAT, INFAQ, AND SADAQAH ACCOUNTING: EVIDENCE FROM LAZISMU LHOKSEUMAWE Mardiaton; Ayu Sri Ningsih; Nur Afni Yunita; Irne Aryanie; Cut Sri Firman Hastuti
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 2 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah [Forthcoming December 2026]
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.v7i2.9951

Abstract

This study analyses the implementation of zakat, infaq, and sadaqah (ZIS) accounting in accordance with PSAK 109 at LAZISMU Lhokseumawe. PSAK 109 governs the recognition, measurement, presentation, and disclosure of ZIS transactions to ensure transparency and accountability in the management of public funds. The research applies a qualitative case study approach, using interviews, observations, and document analysis. The findings indicate that the implementation of PSAK 109 at LAZISMU remains incomplete. Recognition and measurement of ZIS funds are mostly in line with the standard, as receipts and distributions are recorded by category. However, significant weaknesses remain in presentation and disclosure. Financial reports are limited to receipts and disbursements, without statements of financial position, cash flows, or explanatory notes as required by PSAK 109. These results highlight the need to strengthen human resource capacity, adopt digital accounting systems, and enhance the role of the Sharia Supervisory Board so that financial reporting can be more transparent, accountable, and fully compliant with PSAK 109 and Islamic governance principles.
MAQĀṢID AL-SYARĪ'AH'S REVIEW OF THE MARKETING OF MEAT OF ANIMALS THAT DO NOT HAVE A SLAUGHTER PERMIT FROM AN ANIMAL HEALTH CLINIC IN ACEH BESAR REGENCY Salsabila, Puja; shabarullah
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.v6i2.8298

Abstract

This study examines the review of maqāṣid al-sharī'ah on the marketing practices of animal meat that lack a slaughter permit from an animal health clinic in Aceh Besar Regency. In practice, there are still meat traders who market animal meat without obtaining an inspection and slaughter permit from an animal health doctor at the Slaughterhouse (RPH), especially at certain times, such as during the meugang period. This study aims to analyze the marketing pattern of animal meat in Aceh Besar and assess its conformity with the principles of maqāṣid al-syarī'ah. This research is empirical legal research (field legal research) with a socio-legal and conceptual approach. Data were obtained through interviews and literature studies, which were then analyzed descriptively and prescriptively. The results of the study show that the marketing of animal meat in general has been under the supervision of animal health clinics. However, the supervision does not run optimally on certain days, thus allowing the circulation of animal meat that is not fit for consumption. The practice of marketing meat without a slaughter permit is not in line with maqāṣid al-syarī'ah because it has the potential to cause maḍarrah and is contrary to the purpose of Islamic law in safeguarding the benefit of the community.
SYSTEM ANALYSIS OF THE SHARING OF SURPLUS PROFITS (SHU) OF THE SOLUSI BERSAMA LAMLHOM SHARIA COOPERATIVE FROM THE PERSPECTIVE OF SYIRKAH AGREEMENT Nuril Purnama; Azka Amalia Jihad
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.v6i2.8499

Abstract

This study focuses on analysing the profit-sharing system of the Lamlhom Joint Solution Sharia Cooperative, Lhoknga District, Aceh Besar, from the perspective of the syirkah contract. This is a qualitative study with a legal-empirical approach. The primary data were obtained from structured interviews and observations. Meanwhile, the secondary data was obtained from SHU accountability reports and articles related to this study. The results showed that the SHU distribution system at Kopsyah SBL was implemented by distributing it to all active members as annual packages, without distinction between capital, business services, or the amount of financing taken. All members benefited collectively from the cooperative’s business results. According to the syirkah contract, SHU is not part of the syirkah contract formulation, because SHU is not a profit that is determined at the beginning of the contract between Kopsyah SBL and members who use syirkah contract services. However, the SHU distribution system at Kopsyah SBL is part of the tabarru' (social) contract, which is in line with sharia principles such as fairness, transparency, and mutual agreement, and the SHU distribution system at Kopsyah SBL is legally compliant with sharia principles.

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