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Maulida Agustina Hidayatul Wahidah
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Journal of Sharia Economic Law
Published by Institut Agama Islam Sunan Giri Ponorogo
ISSN : -     EISSN : 2987095X     DOI : https://doi.org/10.37680/jshel
Core Subject : Economy, Humanities, Art, Social,
Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
This journal is published by Institut Sunan Giri Ponorogo and managet by depatment of Sharia Economic Law twice a year (June and December). The presence of the journal accommodates scientific writings from the academic community, researchers, students, and practices in Sharia Economic Law and law that have good values ​​and high rationality. The scope of the discussion about sharia economic law (muamalah) with sharia principle and values.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 50 Documents
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Keselamatan Nasabah Pinjaman Online dalam Perspektif Hukum Islam: Studi Kasus Berdasarkan Konsep Hifdz al-Mal dan Maqasid al- Shariah Hakim, M. Abdul Rahman; Fatmawati, Nilal Muna; Kahfi, Nazih Sadatul; Lutfiyah, Lutfiyah
Journal of Sharia Economic Law Vol 3 No 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v3i1.6216

Abstract

This research aims to discuss the safety of online loan customers from the perspective of maqashid sharia, which aims to protect the interests and rights of individual people. In this context, maqashid sharia is a guideline to ensure that online loan products not only meet legal aspects according to the country, but must also be in line with ethics and morality as per maqashid sharia principles. The method used is library research, as it has been studied from various sources, such as previous books, laws, books and also related scientific articles. The research results show that the safety of online loan customers from a maqashid sharia perspective is very vulnerable, because online lending practices often result in injustice and economic exploitation, which is contrary to the principles of maqashid sharia. First, Hifdz Al-din emphasized the need for convenience and certainty in sharia muamalah for customers. Second, hifdz al-nafs demands an ethical and safe billing process for the physical safety of customers. Third, hifdz al-aql requires customer mental protection from detrimental withdrawal practices. Fourth, hifdz al-nasb guarantees that the collection process does not destroy the customer's family. Fifth, hifdz al-mal demands transparency of fees and fair interest. Thus, this research underlines the need for stricter regulations in the online lending industry to ensure the protection of customer rights in accordance with the maqashid of Sharia
Islamic Epistemology of Kuntowijoyo in Sharia Economic Development Arsyadani, Achmad Arfinanto; Rohmanu, Abid
Journal of Sharia Economic Law Vol 2 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v2i2.6461

Abstract

This paper examines the integration of Kuntowijoyo's Islamic epistemology in the development of sharia economics. Kuntowijoyo emphasizes the importance of integrating empirical knowledge and revelation, outlining an Islamic scientific paradigm based on Islam, Indonesian identity, and modernity. In the context of sharia economics, principles such as tauhid, sharia, and ethics are implemented to create justice and welfare. This research employs a qualitative approach with literature analysis to explore the concept of prophetic social sciences and its application to issues in sharia economics, including riba, gharar, and profit-sharing mechanisms like mudharabah and musyarakah. The findings indicate that Kuntowijoyo's epistemological integration can provide guidance for a more comprehensive and responsive development of sharia economics that addresses the needs of society
Tinjauan Hukum Islam Pada Praktik Pembulatan Timbangan Jasa Pengiriman Barang Jet & Tony (J&T) Express Cabang Sumoroto Ponorogo Wulandari, Sekar; Nafi’ah, Nafi’ah; Wahyudi, Wahyudi
Journal of Sharia Economic Law Vol 3 No 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v3i1.6735

Abstract

The background to this research is that Ijarah is an agreement to transfer the right to use a good or service for a certain time through rental payments without being followed by a transfer of ownership of the right. J&T Express goods delivery service Sumoroto branch, where the admin is less transparent in providing information regarding rounding of scales, resulting in some consumers not knowing about this. This problem causes losses for consumers because the rounding carried out tends towards the top, and this final assignment contains the problem formulation (1) what is the practice of rounding the scales carried out at the Sumoroto branch of the J&T Express goods delivery service? , (2) how Islamic law reviews the practice of rounding scales at the J&T Express goods delivery service at the Sumoroto branch. This research uses a qualitative approach and uses observation, interview and documentation procedures. The conclusions are (1) the rounding method used by J&T Express Sumoroto branch is carried out by: Calculating actual weight scales (kilograms) with a weighing tolerance limit of 1.3 kg and scales based on the volume of goods (volumetric), (2) J&T Sumoroto Express Branch rounding practices are carried out with the ijarah system and is said to be valid because it fulfills the requirements and pillars of ijarah, including: aqid, Sighat, ujrah, and benefits. However, in the transactions carried out, the rounding system is not valid in Q.S Hud verse 85 because there is an element of rounding off the scales.
Application of Sharia Marketing to the Chip Paste Marketing Strategy: A Case Study in Babadan Village Patianrowo Adi Putra, Silachi Agusta; Agustina, Maulida
Journal of Sharia Economic Law Vol 3 No 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v3i1.6748

Abstract

This study discusses the Home Industry of Pasah Kripik Crafts in Babadan Village, Patianrowo District, Nganjuk, which is able to compete and excel in the market to this day. The Home Industry of Pasah Kripik Crafts has a marketing strategy to increase company revenue by prioritizing product quality. This study analyzes the marketing strategy implemented by the Home Industry of Pasah Kripik Crafts reviewed from the perspective of Sharia Marketing and the impact of the Home Industry of Pasah Kripik Crafts on increasing community income. The researcher used a qualitative method with interview, documentation, and observation data collection techniques. The results of the study showed that the marketing strategy of the Home Industry of Pasah Kripik Crafts using the sharia concept, namely theistic (Rabbaniyah), ethical (Akhlaqiyyah), realistic (Al-Waqi'iyyah), and humanities (Insniyyah) was able to increase company revenue. The conclusion of this study is that the Home Industry of Pasah Kripik Crafts business in Babadan Village, Patianrowo District, Nganjuk is able to compete in the market, and is able to increase the economy of community income.
The Role of Productive Waqf in Improving the Economic Welfare of the Community: Legal Study and Implementation in Digital Waqf Institutions Dompet Dhuafa Istianah; Agustina, Maulida
Journal of Sharia Economic Law Vol. 3 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v3i1.7096

Abstract

This study discusses how productive waqf plays a role in improving the community's economic welfare through a legal approach and its implementation in the digital era. Digital transformation has changed how waqf is collected, managed, and distributed. A descriptive qualitative study collected data through literature studies, regulatory documentation, and case studies of digital waqf institutions such as Dompet Dhuafa. A legal approach examines regulations, fatwas, and sharia practices that form the basis for the legality of productive waqf. This approach is used to explore and analyze data from various literature sources relevant to the study's focus, namely productive waqf and its role in improving the economic welfare of the community, especially from the legal side and its implementation in digital waqf institutions. This study examines the legal regulations governing productive waqf and analyzes the real implementation in digital institutions. The study results show that the digitalization of waqf can expand community participation and support the community's economic independence through productive waqf programs. However, challenges in terms of literacy, accountability, and strengthening regulations still need to be addressed.
The Influence of Lifestyle and Belief on Purchasing Decisions using the Shopee Paylater featur among INSURI Ponorogo Student Supiyah, Ririn; Fikriawan, Suad; Wahyudi
Journal of Sharia Economic Law Vol. 3 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v3i1.7097

Abstract

This research aim to determine the influence of lifestyle and beliefs on purchasing decisions using the Shopee Paylater feature among INSURI Ponorogo students. This type of research is descriptive research using a quantitative approach, with data collection procedures through questionnaire and observation techniques. In this study, the population used was INSURI Ponorogo students using a purposive sampling technique which is included in the non-probability sampling technique. The sample in this study was 100 students. The analysis used is multiple linear regression analysis. Multiple linear regression calculations in this research used the Eviews-10 program. The research results show that lifestyle has no partial effect, trust has a partial effect, and lifestyle and trust have a simultaneous effect on purchasing decisions using the Shopee Paylater feature among INSURI Ponorogo students.
Tinjauan Hukum Islam dalam Bisnis Google Adsense di Youtube Chusein, Muhammad Ali; HW, Maulida Agustina
Journal of Sharia Economic Law Vol. 1 No. 1 (2023)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v1i1.2303

Abstract

A business is an organization that sells goods or services to consumers or other businesses for a profit. Businesses are formed to earn profits and increase the wealth of their owners. Sharia business is limited by how to obtain and manipulate assets so that they are always lawful and reject things that are unlawful. One of the free businesses on the internet is an affiliate program on google adsense. So google adsense provides advertising ads that we don't want even though most of the ad content is about the site. The formulation of this problem is (1) how is the mechanism of cooperation in business on google adsense and random ads on youtube? (2) how is musharakah analysis on business on google adsense and random ads on youtube? The type of research that will be used by the author is field research. While this research approach is qualitative, namely the method presented directly, the relationship between researchers and informants. The data collection technique used by the author is observation and documentation. The data analysis technique used in this study uses qualitative methods to understand the phenomena experienced by the research subjects holistically and by means of description. Based on the research that has been done, the results of business collaborations show that, first, the advertising business on content creator pages in Islam is included in the syirkah category, this is able to provide prospective benefits between the two parties. Second, the practice of cooperation between content creators to provide ad space displayed by Google AdSense is an act that is not in accordance with sharia principles. Because there is still an element of gharar in the specifications for the selection of ads that will be installed or displayed in video content.
Implementasi UU Nomor 33 Tahun 2014 tentang Jaminan Produk Halal pada Produk Makanan Industri Kecil Menengah di Desa Ploso Kabupaten Pacitan Rukoyah, Andriani Fitri; Ayu, Diyan Putri
Journal of Sharia Economic Law Vol. 1 No. 1 (2023)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v1i1.2324

Abstract

The use of halal labels is very important for domestic consumers whose majority of the population is Muslim. Law Number 33 of 2014 concerning Halal Product Guarantee explains that every product that will be marketed domestically needs to pass the halal certification process. In fact, the law has not been positively applied in Indonesia due to certain factors. The purpose of the research above this writing has problems, What is the legal responsibility of business actors facing consumers for MSME food products that are not halal certified? (2) How is BPOM responsible for MSME food products that have not been certified halal? (3) What is the role of the Pacitan government in standardizing halal products? This research uses qualitative research methods by observing the law and implementing small and medium-sized industrial food products in Tegalombo District, Pacitan Regency. In small and medium industrial food products in Pacitan, it will be analyzed using a descriptive analysis method, namely a qualitative method by collecting data using observation and interview methods that present an event or symptom systematically, factually and accurately. Based on this research, it was concluded that(1) producing halal food products by having a halal certificate in providing comfort, security, safety, and certainty for the community. (2) the withdrawal of products circulating in the market, the provision of administrative sanctions and confiscation without compensation with the functions of pre-market evalution and post-market control supervision. . (3) facilitating and assisting halal certification in the IKM food and beverage sector, conducting training and certification for halal providers, building halal product information systems through campaigns and festivals, and plans to establish a halal center within the East Java Provincial government.
Pandangan Hukum Islam Terhadap Putusan Ma No. 721.K/Ag/2015 Tentang Pembagian Waris Bagi Non Muslim Amir, Muhamad Rizal
Journal of Sharia Economic Law Vol. 1 No. 1 (2023)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v1i1.2327

Abstract

In Islamic inheritance law, religious differences are one of the barriers to obtaining inheritance, this is based on the hadith of the Prophet Muhammad, and in KHI (Islamic Law Compilation) non-Muslims (kafir) do not receive inheritance. The problem is what if an heir is of a religion other than Islam, from that problem the Supreme Court of the Republic of Indonesia issued a decision number: 721K/Ag/2016 which provides an opportunity for heirs of different religions to get a share through mandatory wills. library research library research, namely by taking data from libraries and other print media in the form of: books, journals, newspapers, articles, and magazines to get the best data using a juridical and normative approach. The results of the research analysis are: Islamic inheritance law is the law that regulates the transfer of ownership rights to the inheritance of the heir, the mandatory will is stipulated to give rights or shares of property to relatives or adopted children, and their position includes the classification of Dzauwi Al-Arham or ghoiru inheritance, and because the Supreme Court issued decisions in the law of inheritance of different religions in the case of decision no. 721 K/Ag/2015 is about granting inheritance to non-Muslim heirs by way of mandatory will. based on the decision that the wife of the deceased got 2/3 and her two children who converted to religion got 1/3 of the gono-gini property after paying off her late father's debt. This decision is based on several considerations, first: justice, that a law is applied to uphold justice. second: humanity (inssaniyyah), meaning that laws that do not prioritize humanity are not considered substantially law. And third: the law was created to engineer social, which ends in social welfare
Analisis Hukum Islam terhadap Status Harta Koin Shopee Darmawati, Darmawati; Fathoni, Khoirul
Journal of Sharia Economic Law Vol. 1 No. 1 (2023)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v1i1.2344

Abstract

Shopee coins are virtual currencies issued by shopee, this virtual money can be obtained when someone makes a shopping transaction at shopee, 1 shopee coin is valued at 1 rupiah. The use of shopee coins for shopping discounts on the shopee marketplace is limited, that is, from the balance of shopee coins owned by the user, only 25% of the total buyer purchases can be exchanged, for example, a user wants to spend 100 thousand rupiah, the shopee coins that can be used to shop are only 25 thousand rupiah or 25 thousand shopee coins. Shopee coins also have an expiration date, if they are not used for three months, the coins will be forfeited. This thesis reports the results of the research, with the formulation of the problem (1) how is the process of ownership of shopee coins? (2) what is the status of shopee coin assets in the perspective of Islamic law? (3) how is the maslahah value in the practice of using shopee coins in buying and selling transactions at shopee?. This study uses a qualitative method in the location of the district of Ponorogo, with data collection procedures through interview techniques, documentation, and data analysis. The data collected is related to checking the validity of the data by comparing the results of various sources, namely books, documents related to this research, observations, interviews, and documentation. Based on the results of data analysis, it is concluded that 1) The process of ownership of shopee coin assets is carried out by creating a shopee account, through shopping giving reviews and even through games provided by shopee, shopee coins will automatically enter the user's account. 2) The status of the property of shopee coins is concluded as beneficial assets that are mauzhuf fi al-dzimmah or debt assets guaranteed by the shopee marketplace. 3) The value of maslahah in the application of shopee coins is the value of the guarantor's assets in the relationship in al-dain (debt guarantee), in al-ain (physical security), and dlaman an-nafsi (life insurance)

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