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Al Urwah : Sharia Economics Journal
Published by PT. Takaza Innovatix Labs
ISSN : -     EISSN : 30259398     DOI : https://doi.org/10.61536/alurwah
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Al Urwah is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. The scope of Al Urwah are but strictly limited to: Islamic Economics Sharia Accounting Zakat Management, Infaq, Shodaqoh and Waqf, Entrepreneurship and Islamic Business Islamic Economic Law Islamic Economic Thought Sharia Insurance.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 36 Documents
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A Review of Islamic Law on Property Ownership Rights from the Perspective of Fiqh Muamalah Saipul Bakhri; M. Wahid Rangkuti; Ayani Yusriza Mahendra; M. Arif Arifin; Nursania Dasopang
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.401

Abstract

This study examines Islamic law on property ownership rights from the perspective of Islamic jurisprudence (fiqh muamalah) amidst economic inequality and the lack of a national Sharia-based property codification. The aim is to analyze the classification, causes, types, and management of assets for practical guidance. Using a qualitative normative approach through literature review, the population includes Islamic jurisprudence (fiqh muamalah) literature, with a purposive sample of 20-30 primary (Quran, hadith) and secondary (fiqh texts, journals 2021-2025) sources. Instruments in the form of Sharia documents were analyzed descriptively and analytically with triangulation and synthesis of the maqasid (maqasid) of Sharia. The results show that assets (al-mal) are a divine trust, etymologically human instincts and terminologically valuable assets to be owned and transacted, classified as private, public, state, protected by the daruriyyat (private), hajiyyat (private), and tahsiniyyat (private). Ownership arises from ihya' mawat (promise), legal contracts, inheritance, and business proceeds, with an emphasis on halal distribution such as zakat. In conclusion, sharia-based codification is needed to prevent exploitation and realize just prosperity.
The Strategic Role of BMT as a Non-Bank Islamic Financial Institution in Empowering MSMEs in Indonesia Nasywa Salsabila Wahdoni; Nida Ummu Rofikoh
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.402

Abstract

Structural poverty in Indonesia reached 8.57% in September 2024, making MSMEs a primary strategy for alleviation despite being hampered by limited capital and managerial skills. This study aims to describe and analyze the strategic role of Baitul Maal wat Tamwil (BMT) as a non-bank Islamic financial institution in empowering MSMEs through Islamic financing and mentoring. A qualitative library research method was used, with a literature population of 2019-2025 from Sinta/Scopus/Google Scholar, a purposive sample of 50+ relevant documents. Secondary data instruments were analyzed through reduction, thematic presentation, triangulation, and content analysis. The results show that BMT provides murabahah, mudharabah, musyarakah, ijarah, qardh al-hasan financing, plus training that increases MSME productivity, supported by QS. Al-Baqarah: 188 and cooperative regulations. The conclusion states that BMT creates sustainable financial inclusion; socialization, innovation, and collaboration are recommended to overcome literacy and capital constraints
Comparison of the Concept of Khiyar According to the School of Fiqh Hengki Pranata; Rohib Arsadi; Meianna Putri Sitanggang; Rahmadhani Harahap; Nur Sania Dasopang
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.406

Abstract

Khiyār is a fundamental mechanism in fiqh muamalah that protects buyers and sellers from losses caused by defects or unclear transactions, a function that has become increasingly relevant in the era of e-commerce where return disputes are frequent. This study aims to analyze and compare the concept of khiyār according to the Hanafi, Maliki, Shafi'i, and Hanbali schools of Islamic jurisprudence. The research employs qualitative library research with a descriptive-comparative approach to classical and contemporary fiqh literature. The results show that although all schools share the same objective of ensuring justice in transactions, they differ in terms of conditions and scope: the Hanafi school restricts khiyār majlis to maintain contractual certainty, the Maliki school applies a flexible approach based on ‘urf, the Shafi'i school adopts a textual interpretation, and the Hanbali school allows broader application. The study concludes that these doctrinal differences constitute a valuable juridical richness that supports the development of adaptive fiqh muamalah and can serve as a comparative foundation for formulating sharia economic regulations and consumer protection policies in modern transactions.
A Review of the Role of the Gold Rahn Contract in Islamic Banks in Educating and Boosting the Financial Improvement of the Community Nursania Dasopang; Siti Khadijah Matondang; Gusriandi; Rizka Makhrijan Zebua; Ainun Sarkiyah
Al Urwah : Sharia Economics Journal Vol. 3 No. 1: Sharia Governance and Sustainable Finance: Ethical Transformation in the Digital and G
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i1.408

Abstract

Islamic banks play an important role in providing Islamic financing through the Rahn Emas product, which offers quick liquidity with gold as collateral through the dual Qardh-Ujrah contract. Literature research using a normative-juridical approach aims to analyze the suitability of the Rahn Emas implementation to the DSN-MUI Fatwa No. 25/2002 and No. 26/2002, optimize the potential for financial literacy education, and synthesize contributions to the financial independence of the community from the perspective of maqasid sharia. The population includes normative sharia documents and secondary literature (1992-2025), with a purposive sample of 25-30 sources focused on the context of BSI KC Padangsidimpuan. Instruments consisting of the DSN-MUI fatwa, OJK regulations, and academic literature were analyzed through qualitative content analysis with source triangulation. The results show formal compliance through the separation of Qardh-Ujrah, but substantial issues in the calculation of ujrah are correlated with the loan amount, potentially resembling riba nasi'ah. Rahn Emas functions as a safety net to increase MSME productivity and financial literacy. The conclusion recommends standardization of real-cost-based ujrah, digital literacy workshops, and transparent accounting to strengthen sharia legitimacy and financial inclusion.
Sharia Buying and Selling Agreements in the Shadow of Artificial Intelligence: Contemporary Jurisprudence Review Majid Erlangga Hasibuan; Muhammad Raihan Ritonga; Nursania Dasopang
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.409

Abstract

The rapid integration of artificial intelligence (AI) into Sharia-based economic transactions introduces fundamental challenges to the validity of classical sales contracts, particularly concerning human intention (irādah), mutual consent (tarāḍī), and the prohibition of uncertainty (gharar). As automated systems increasingly mediate decision-making, traditional fiqh assumptions regarding transparency, agency, and contractual ethics are called into question. This study aims to critically examine the implications of AI-driven transactions for Sharia sales contracts and to formulate a normative reconstruction grounded in fiqh mu‘āmalāt. Employing a qualitative normative-analytical and conceptual-critical approach, this study analyzes classical and contemporary Islamic legal thought alongside recent discussions on AI in Sharia economics. The findings reveal that AI operates not merely as a technical tool but as a structural actor that reshapes contractual relations, generating new forms of opacity and asymmetry that may undermine Sharia principles if left unregulated. Consequently, Sharia contracts in AI-mediated transactions require reconstruction through contextual ijtihād that emphasizes algorithmic transparency, human oversight, and the safeguarding of maqāṣid al-sharī‘ah. This study contributes conceptually by advancing a maqāṣid-oriented framework for evaluating and adapting Sharia contracts in the digital economy, thereby extending the discourse of mu‘āmalāt fiqh beyond classical human-centered paradigms toward ethically responsive AI governance.
Rahn As a Sharia Financial Instrument: A Literature Study on the Mechanism and Implications in Indonesia Khafka Nafista Febrianty; Selvi
Al Urwah : Sharia Economics Journal Vol. 3 No. 1: Sharia Governance and Sustainable Finance: Ethical Transformation in the Digital and G
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i1.411

Abstract

Despite the rapid development of Indonesia's Islamic financial system, rahn, as a sharia pawn instrument, faces challenges such as limited public understanding of the contract mechanism and competition with conventional pawnshops. This study aims to examine the operational mechanisms of rahn in Islamic financial institutions and their implications for financial inclusion. Using a descriptive qualitative approach through literature study, the population included rahn literature (2021-2025) with purposive sampling resulting in over 30 primary sources, including fatwas from the National Sharia Council (DSN-MUI) and regulations from the Financial Services Authority (OJK). The instruments consisted of primary texts (the Quran, hadith) and secondary texts (journals, reports), analyzed through thematic content analysis and validation of maqasid sharia. The results demonstrate the effectiveness of rahn through the riba-free qardh-ijarah contract, serving >60% of micro-enterprise customers while strengthening social solidarity. In conclusion, rahn strengthens ethical microfinance but requires regulatory standardization and digital innovation for broader reach

Page 4 of 4 | Total Record : 36

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