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Maulida Agustina Hidayatul Wahidah
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jshel@insuriponorogo.ac.id
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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 67 Documents
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A The Influence of Muslim-Friendly Tourism, Brand Image, and Services on the Decision to Choose Hajj and Umrah Travel through Trust: The Influence of Muslim-Friendly Tourism, Brand Image, and Services on the Decision to Choose Hajj and Umrah Travel through Trust ulya shofia; Mochlasin
Journal of Sharia Economic Law Vol. 3 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

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Abstract

This study aims to investigate the influence of Muslim-friendly tourism, brand image, and service on decisions to choose Hajj and Umrah travel services, with trust as a variable of interest (a case study of pilgrims from PT Baitullah Bawean Hajj Umrah School). This type of research is quantitative, focusing on the consumer population of the Baitul Bawean hajj school. The data obtained is then processed using a tool and further analyzed with the help of IBM SPSS 21. The result of what have been obtained from this study explain that the results of this research test show that muslim friendly tourism has a positive and significant influence on the decision, brand image has a positive and significant effect on the decision, service has a positive and significant effect on the decision, musim friendly tourism, brand image, and service has a positive and significant effect on the purchase decision through trust. the influence of muslim-friendly tourism, brand image, and services on the decision to choose hajj and umrah travel through trust.
The Influence of Express Microfinance in Improving the Welfare of Market Traders (Case Study of Bank Mitra Mentari Sejahtera Ponorogo) Robingatus Sa’diyah; Aprillia Rachmawaty; Muhammad Candra Setiawan
Journal of Sharia Economic Law Vol. 3 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

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Abstract

Usury-based financing practices through loan sharks or thithil banks are still common among traditional market traders. This situation prompted PT. BPRS Mitra Mentari Sejahtera Ponorogo to launch the Micro Express Financing (ME) product in May 2019 as a sharia-based financing alternative. This study aims to analyze the background, mechanisms, financing contracts, and impact of Micro Express Financing on market traders. This study was field research using a descriptive qualitative approach. Data were obtained through interviews with the bank, specifically Micro Field Officers (PLM), Micro Express financing customers, as well as observation and documentation. The results indicate that Micro Express Financing uses a murabahah contract, which aligns with the business characteristics of market traders. Simple procedures, fast disbursement, no collateral, and a proactive service system are key factors in attracting customers. This financing has positive impacts in terms of increased liquidity, business development, and helping market traders gradually move away from usury practices. However, challenges include irregular installment payments and low customer financial literacy.
The The Effectiveness of Sharia Financing in BMD Syariah on the Development of MSMEs Adela Ulifatul Ulfa; Anisa Hilmi Fuadah; Friska Dwi Yulina
Journal of Sharia Economic Law Vol. 3 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

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Abstract

This study aims to analyze the effectiveness of sharia financing implemented by BMD Syariah in supporting the development of Micro, Small, and Medium Enterprises (MSMEs). The background of this research is based on the community's need for access to financing that is fair, usury-free, and in accordance with sharia principles, especially for lower economic groups that have not been reached by formal financial institutions. The research method used is qualitative descriptive with a field study approach through observation, interviews, and documentation. The results of the study show that sharia financing in BMD Syariah, through the Murabahah, Mudharabah, Ar-Rahn, and Al-Ijarah contracts, has proven to be effective in increasing business capacity, income, and welfare of MSME actors. However, there are still challenges in the form of low Islamic financial literacy and the risk of problematic financing. This study concludes that BMD Syariah has a strategic role in encouraging financial inclusion and community economic empowerment based on sharia values.
A Optimization Of Digital Zakat In The Perspective Of Sharia Economic Law And Good Governance (Field Study On Baznas Ponorogo Regency) Anas Wijahudin; Dwi Aprilia; Ratnasari Widari
Journal of Sharia Economic Law Vol. 3 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

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Abstract

Digitization of zakat management is one of the key strategies to increase the effectiveness of zakat collection and distribution in Indonesia. The National Amil Zakat Agency (BAZNAS) of Ponorogo Regency, as the official zakat management institution, has implemented a digital zakat system to expand the reach of muzakki and increase the transparency of zakat fund management. This study aims to analyze the optimization of digital zakat in BAZNAS Ponorogo Regency from the perspective of sharia economic law and the principle of good governance. This study uses a field research method with a descriptive qualitative approach. Data were obtained through in-depth interviews with BAZNAS Ponorogo Regency management, observation, and documentation. The results of the study show that the implementation of digital zakat at BAZNAS Ponorogo Regency is in accordance with the principles of sharia economic law, particularly trust, transparency, justice, and benefit. In addition, the application of good governance principles is reflected in greater accountability reporting, increased information disclosure, and greater community participation. Nevertheless, the optimization of digital zakat still faces challenges, including limited digital literacy among the community and insufficient technical regulations. Therefore, it is necessary to strengthen digital zakat governance and education to achieve professional, sustainable zakat management.
Settlement of Problematic Financing in Sharia Banks from the Perspective of Sharia Economic Law: A Case Study of Bank BTN Syariah in Surabaya Mudhoffar Rachman; Ubaidillah Rosyad; Nita Sabila
Journal of Sharia Economic Law Vol. 3 No. 2 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

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Abstract

Islamic housing financing is one of the main products of Islamic banking, yet it involves relatively high risk, particularly in the property sector. Bank BTN Syariah, as a Sharia Business Unit (UUS), focuses heavily on housing financing through Sharia Home Ownership Loan (KPR Syariah) products, making it vulnerable to customer default. This study aims to analyze the mechanism for resolving problematic financing at Bank BTN Syariah Surabaya and to examine its conformity with the principles of sharia economic law. The research employs an empirical juridical method with a qualitative approach. Data were obtained through interviews with Bank BTN Syariah Surabaya and documentation studies, supported by primary and secondary legal materials, including statutory regulations and fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). Data analysis was conducted descriptively by linking practical settlement mechanisms with applicable Sharia economic law principles. The findings show that problematic financing is resolved through restructuring, customer deliberation, and, as a last resort, the sale of collateral. These mechanisms generally align with the values of Sharia economic law, particularly the principles of justice, benefit (maslahah), and protection of the parties. However, improving customers' legal literacy and understanding of Sharia contracts remains necessary to minimize problematic financing in the future.
Practice of Verifying the Requirements of Regional Head Candidates by KPUD Pesawaran (Siyasah Syariyyah Perspective) Ade Vilacitra; Sainul
Journal of Sharia Economic Law Vol. 4 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v4i1.9838

Abstract

This study analyzes the inconsistency of the Pesawaran Regional General Election Commission (KPUD) in verifying the educational requirements of regent candidates, particularly the validity of high school diplomas, during the 2010–2024 period. Aries Sandi Darma Putra was elected twice through an administrative verification process that relied primarily on document completeness and candidate declarations, as regulated under Law Number 12 of 2008. However, following the 2024 Regional Election, he was disqualified through Constitutional Court Decision Number 20/PHPU.BUP-XXIII/2025 after his Diploma Companion Certificate (SKPI) was found to be legally defective. This occurred despite the provisions of Law Number 10 of 2016 and KPU Regulation Number 8 of 2024, which require factual verification in coordination with educational authorities. The decision triggered public protests, reduced trust in the KPUD, social polarization, and significant financial burdens due to the implementation of a re-vote (PSU). Using a normative-juridical and qualitative descriptive approach, this study examines legislation, court decisions, KPU regulations, and relevant institutional documents. The findings reveal weaknesses in the regulation of diploma verification procedures and highlight the need for standardized, integrated national verification mechanisms to ensure legal certainty, electoral integrity, and the protection of democratic values.
Double Perception of E-Commerce Transactions According to Islamic Economic Law and Law No. 11/2008 Mafhatus Zahrah; Damanhuri
Journal of Sharia Economic Law Vol. 4 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v4i1.9975

Abstract

The rapid development of information technology has significantly accelerated the growth of e-commerce as a dominant form of modern trade. Despite its benefits, e-commerce also presents challenges, including product discrepancies, disputes between buyers and sellers, issues of contract validity, transaction transparency, and consumer protection. This study examines e-commerce transactions from the perspectives of Islamic Economic Law and Law Number 11 of 2008 concerning Electronic Information and Transactions (ITE Law). Particular attention is given to the limitations of verification in online transactions, which may create elements of gharar (uncertainty) and affect the validity of contracts under Sharia principles. The study also explores consumer protection provisions under Articles 28 and 45 of the ITE Law regarding misleading information in electronic transactions. Using a normative juridical approach, this research analyzes relevant legal regulations, concepts, and literature. The findings reveal that e-commerce transactions are permissible under Islamic Economic Law when they adhere to the principles of transparency, honesty, and adequate verification. Furthermore, the ITE Law provides legal certainty and safeguards consumers against potential losses arising from digital transactions. The study concludes that integrating Sharia principles with national legal frameworks is essential to establishing a secure, fair, and trustworthy e-commerce environment that supports sustainable digital economic growth.
Navigating Halal-Critical Materials In The Fashion Industry: A Socio Legal Study Of Non Halal Animal Derived Products Anisa Fadilah Zustika; Auliya Ghazna Nizami; Kamilatus Salsabia; Sania Ardiana
Journal of Sharia Economic Law Vol. 4 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v4i1.10167

Abstract

The rapid growth of the global fashion industry has increased demand for leather-based products such as shoes, bags, wallets, jackets, and accessories. However, pig skin is still used in some fashion products, and its material composition is often not clearly disclosed to Muslim consumers. This raises concerns regarding sharia compliance, transparency, and consumer protection. This study examines the use of pig skin in fashion products from the perspective of Islamic law and explores Muslim consumer awareness of this issue. A qualitative socio-legal approach was employed to integrate normative Islamic legal principles with empirical practices in the fashion industry. Data were collected through document analysis of Islamic legal sources and halal regulations, in-depth interviews with Islamic scholars, halal facilitators, fashion MSME actors, and Muslim consumers, as well as field observations. Thematic analysis was applied to identify patterns of compliance and responses to halal market demands. The findings indicate that pig skin is inconsistent with halal principles because it is prohibited in Islam. Although Muslim consumer awareness has increased, many consumers still experience difficulties identifying product materials due to inadequate labeling. From a business perspective, the use of non-halal materials may reduce consumer trust and harm brand reputation, whereas transparent material disclosure and halal certification enhance customer confidence and market competitiveness. The study emphasizes the need to strengthen halal literacy, improve labeling transparency, and reinforce halal supply chain governance in Indonesia's fashion industry
Implementation of The Khiyar Concept in Shopee Barokah's Free Return Guarantee Mechanism Danik Purnomo; Suci Anisa Putri; Yuhana Badriatussholikhah; Muhammad Hamim Arriza
Journal of Sharia Economic Law Vol. 4 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v4i1.10166

Abstract

The expansion of Sharia-based e-commerce has given rise to consumer protection mechanisms, such as free return guarantees, that require examination from the perspective of Islamic commercial law. This study aims to analyze the implementation of the khiyar concept in Shopee Barokah’s Free Return Guarantee mechanism from the perspectives of classical Islamic jurisprudence (fiqh al-muʿāmalāt) and contemporary regulatory frameworks. This research employs a normative library approach by examining classical fiqh literature, DSN–MUI fatwas, and Shopee Barokah’s internal regulations and policies, with data analyzed descriptively to assess their conformity with Sharia principles. The findings demonstrate that the Free Return Guarantee mechanism substantively reflects the implementation of khiyar al-sharṭ through a specified return period, khiyar al-ʿayb through remedies for defective or damaged goods, and khiyar al-ruʾyah by allowing buyers to inspect goods after delivery and rescind transactions when appropriate. These mechanisms are consistent with the principles of justice, transparency, and consumer protection in Islamic economic law. This study contributes by integrating classical fiqh, DSN–MUI fatwas, and Sharia-compliant e-commerce regulations into a unified framework for analyzing digital return guarantees. However, the study is limited to normative analysis, and future research should incorporate empirical approaches to evaluate the practical implementation and effectiveness of khiyar mechanisms in digital marketplaces.
Digital Platform Data And Algorithm Control In Competition And Islamic Law Perspective Toward Digital Ihtikar Nur Persmawati Sahar Putri; Veronica Cynthia Wibowo
Journal of Sharia Economic Law Vol. 4 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v4i2.10185

Abstract

The rapid expansion of digital platforms has increased the concentration of control over user data and algorithmic systems, enabling dominant companies to influence market access, pricing visibility, and consumer behavior. This development raises significant concerns regarding market power and fair competition in the digital economy. This study examines the legal implications of data and algorithmic dominance through the perspectives of Indonesian competition law and Islamic economic law. It introduces the concept of digital ihtikar as a normative framework for understanding contemporary forms of monopolistic practices in digital markets. Using a normative legal research method with conceptual and comparative approaches, the study analyzes competition regulations alongside classical and contemporary interpretations of ihtikar in Islamic jurisprudence. The findings show that existing competition law has limitations in addressing algorithmic opacity and data-driven market gatekeeping. Meanwhile, Islamic economic principles provide a broader ethical foundation that emphasizes justice, fairness, and public welfare. Both legal perspectives recognize excessive control over data and algorithms as a form of digital ihtikar that undermines fair competition. The study concludes that reinterpreting ihtikar within the digital economy can strengthen legal responses to platform dominance while promoting more equitable and competitive digital markets.

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