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AGHNINA: Jurnal Penelitian Hukum Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Sayid mohammad Alawi Almaliki
ISSN : -     EISSN : 30637880     DOI : -
Core Subject : Religion, Social,
Religion Law, Crime, Criminology & Criminal Justice
AGHNINA: Jurnal Penelitian Hukum Ekonomi Syariah is a journal that publishes current original research on the study of economics, business, business ethics, finance, contracts, economic thought, and contracts in economics using a Sharia economic law perspective.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 29 Documents
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The Implementation Of Mubapay Electronic Transactions At Mambaul Ulum Bata-Bata Islamic Boarding School, Pamekasan, From The Perspective Of Ḥifẓ Al-Māl Sitti Humairoh; Moh Karim
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 1 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i1.348

Abstract

This study aims to examine the implementation of the electronic transaction system Mubapay at Pondok Pesantren Mambaul Ulum Bata-Bata Pamekasan and to analyze its conformity with the Islamic principle of ḥifẓ almāl (protection of wealth). Mubapay is a digital innovation in pesantren financial management, used by students and their parents to conduct cashless transactions such as purchasing daily necessities, paying monthly fees, and transferring funds. This research employs a qualitative approach with field research as its method. Data collection techniques include observation, interviews, and documentation. The results indicate that the implementation of mubapay has been effective and well-organized. The system facilitates ease of transaction, transparent financial recording, and allows parental oversight. From the perspective of ḥifẓ al-māl, Mubapay reflects the principle of wealth protection through various aspects such as securing students’ funds from physical loss, controlling spending limits, ensuring transaction transparency, and fostering financial responsibility among students. However, challenges remain, such as limited digital literacy, dependence on network access, and the need to strengthen data security. Overall, the implementation of mubapay can be seen as a form of actualizing Islamic values in pesantren financial management oriented toward blessing and public benefit
A Review of Fiqh Muamalah, the Compilation of Sharia Economic Law, and DSN–MUI Fatwas on the Ijarah Muntahiyah Bittamlik Contract at BMT Surya Madani Falaq Nur Ahmad Hasan; Dewi Permata Sari; Imam Iqbal Nursidiq; Waluyo
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 1 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i1.452

Abstract

The Ijarah Muntahiyah Bittamlik (IMBT) contract is applied as a financing scheme for productive assets at BMT Surya Madani. Its implementation is examined based on the principles of Fiqh Muamalah, the Compilation of Sharia Economic Law (KHES), and Fatwa DSN-MUI No. 27/DSN-MUI/III/2002. Data were collected through field studies using interviews, observation, and documentation, and were analyzed using a normative-comparative approach. The findings indicate that the implementation of IMBT at BMT Surya Madani fulfills the pillars and requirements of the ijarah contract and does not involve elements of riba or gharar. The financing mechanism involves asset acquisition by BMT, leasing to members during the contract period, and the transfer of ownership through a grant at the end of the lease term. Although the ijarah contract and the grant promise are set out in a single document, the transfer of ownership is executed only after the lease period ends. This practice complies with KHES Articles 322–329 and the DSN-MUI Fatwa, and functions as an alternative sharia-compliant financing model for micro-based cooperative businesses.
Buying and Selling Transactions Using Paid Member Cards From The Perspective of Islamic Economic Law nadiatul saravina; Agustin Hanapi; Azka Amalia Jihad
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 1 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i1.458

Abstract

The development of modern trade has introduced various marketing innovations, one of which is the use of paid member cards that offer discounts, shopping points, and exclusive benefits. However, when the use of member cards requires a registration fee, questions arise regarding the clarity of benefits, compliance with the principles of Islamic economic law, and consumer rights protection. This study aims to analyze consumer rights in the use of paid member cards and to evaluate the practice from the perspective of Islamic economic law. The research employed a qualitative descriptive-analytical method with a juridical-empirical approach, through interviews and literature review. The results indicate that the practice of paid member cards has the potential to create uncertainty of benefits and an imbalance between costs and gains, especially when information is not transparent. From the perspective of Islamic economic law, this practice is permissible provided that benefits are clearly defined, free from gharar (uncertainty) and maysir (speculation), and the fees charged are limited to administrative costs. In practice, at Kotty Kosmetik Banda Aceh, some consumers reported a lack of certainty regarding products eligible for discounts, limited information on items that can be redeemed with points, and relatively high registration fees. Therefore, the implementation of information transparency and cost limitation principles is essential to ensure justice, protect consumer rights, and maintain compliance with Islamic economic law.
Procedures for Resolving Banking Crimes within Islamic Financial Institutions: A Case Study of Financing Document Forgery in Murabahah Contracts Roni Nasrulloh; Ramdani Wahyu Sururie; Oyo Sunaryo Mukhlas
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 1 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i1.459

Abstract

This study examines the procedures for resolving banking crimes within Islamic financial institutions, focusing on cases of document forgery in murabahah financing contracts. Murabahah dominates Islamic banking financing in Indonesia, making it particularly vulnerable to fraud arising from weaknesses in internal control, supervision, and document verification. This research aims to analyze the forms of document forgery in murabahah financing and to evaluate the mechanisms for resolving such crimes through internal institutional processes, non-litigation pathways, and litigation channels. Employing a qualitative approach with a case study design, the study utilizes primary data obtained through in-depth interviews with Islamic banking practitioners and law enforcement officials, alongside secondary data from legislation, court decisions, regulatory documents, and academic literature. The findings indicate that document forgery in murabahah financing commonly involves falsification of debtor identities, collateral documents, and transaction records. Resolution procedures generally prioritize internal settlement through audits, disciplinary sanctions, and recovery measures, followed by non-litigation mechanisms such as mediation and arbitration based on Islamic principles. Litigation is pursued when criminal elements are evident, involving both Religious Courts for civil disputes and General Courts for criminal prosecution. From both Islamic law and positive law perspectives, document forgery constitutes a serious violation of legal and ethical norms. The study highlights the importance of strengthening governance, compliance systems, and sharia supervision to prevent and effectively address banking crimes in Islamic financial institutions.
Implementation of the Ijarah Contract in Sugarcane Land Leasing from the Perspective of the Compilation of Sharia Economic Law: A Case Study of Karya Dadi Village, Bandar Sakti District, Central Lampung Regency: Implementasi Akad Ijaroh Dalam Sewa Menyewa Lahan Tebu Perspektif Kompilasi Hukum Ekonomi Syariah Study Kasus Desa Karya Dadi Kec. Bandar Sakti Kab. Lampung Tengah abdul abdul; desi wahyuni
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 2 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i2.263

Abstract

This study aims to analyze the practice of ijaroh (lease) agreements on plantation land from the perspective of the Compilation of Sharia Economic Law (KHES). The study was conducted in Karya Dadi Village, Bandar Sakti District, Central Lampung Regency, focusing on the case of seizure of leased land by a bank because the land was used as collateral by the owner, even though the five-year lease period was still in effect. This study uses a descriptive qualitative approach with data collection techniques of observation, interviews, and documentation. The results show that the ijaroh agreement between the landowner and tenant was conducted without written documentation, thus having no legal force when conflict arose. The transfer of land to a third party (bank) without tenant consent contradicts the principles of adl (justice), gharar (certainty), and taradhin (mutual consent) in KHES. Inhibiting factors include low community understanding of sharia law and weak legal protection for tenants. Community perceptions of ijaroh agreements remain traditional and not yet based on comprehensive sharia law. This study affirms the importance of agreement documentation and muamalah legal education for communities so that ijaroh implementation proceeds fairly and in accordance with sharia.
Analysis of the Distribution Model of Productive Zakat Assets at LAZISMU Bojonegoro from the Perspective of Indonesian Council of Ulama Fatwa No. 14 of 2011: Analisis Model Distribusi Zakat Aset Kelolaan Pada Lazismu Bojonegoro Perspektif Fatwa Mui No. 14 Tahun 2011 Seftia Rahmawati; Muttaqin Choiri
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 2 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i2.297

Abstract

To increase the economic independence of mustahik, this program utilizes zakat funds to support productive businesses. Fatwa No. 14 of 2011, supports the productive distribution of zakat, as done by the ChickenMu program. To make zakat more effective in reducing poverty and improving people's welfare, this fatwa also considers socio-economic dynamics. This study aims to analyze the suitability of the implementation of zakat distribution in the form of managed assets in the ChickenMu Program of Lazismu Bojonegoro with MUI Fatwa No. 14 of 2011. This research uses a descriptive method with a qualitative approach, which is based on the provisions of Islamic law and MUI fatwa, to examine the legality and implementation of productive zakat distribution.The research was conducted at the Bojonegoro Lazismu office, East Java, focusing on the ChickenMu business unit which manages zakat assets in the form of business equipment. The results showed that, ChickenMu Program of Lazismu Bojonegoro applies zakat distribution in the form of managed assets in accordance with MUI Fatwa No. MUI No. 14 of 2011 concerning the distribution of zakat assets in the form of managed assets. This program adopts the concept of productive zakat to empower mustahik towards economic independence.
A Fiqh al-Mu'amalat Analysis of the Ijarah Contract in Digital-Based Turnitin Services: Analisis Fiqih Muamalah Terhadap Akad Ijarah Dalam Layanan Jasa Turnitin Berbasis Digital afifahdwi cahyanti; Muhammad Ufuqul Mubin
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 2 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i2.443

Abstract

 This study examines the practice of digital Turnitin checking services from the perspective of the ijarah contract in Islamic jurisprudence (fiqh muamalah). The background to this research arises from the need to increase academic integrity through authenticity testing of scientific papers, which is now often conducted online, raising questions about the suitability of these digital transactions with Sharia principles. The research problem is directed at how the practice of digital Turnitin services can be understood as an ijarah contract and to what extent it meets the pillars and requirements of Sharia, particularly the clarity of the service object, fairness of wages, and mutual consent between the parties. The research method uses a descriptive qualitative approach with data collection techniques consisting of literature studies and questionnaires distributed to service users. Data analysis was conducted narratively based on the principles of muamalah and respondent responses to describe the dynamics of this digital service transaction. The results show that the Turnitin checking service has fulfilled the principles of the ijarah contract, starting from the clarity of service benefits in the form of inspection reports, approvals, and transparent wage agreements, as well as fairness and mutual consent between the parties. Respondents generally assessed this service as compliant with Sharia principles, particularly in terms of fairness, transparency, and transaction security. Thus, this study concludes that the ijarah contract can be applied to modern digital transactions and supports the development of contemporary muamalah literature. This study also underscores the importance of improving public understanding of the ijarah contract in the context of digital services to ensure that transactions are more compliant with Sharia principles and provide sustainable benefits.
The Fundamentals of Islamic Business Ethics in Developing a Just and Sustainable Islamic Economy: Dasar-Dasar Etika Bisnis Islam Dalam Membangun Ekonomi Syariah Yang Berkeadilan Dan Berkelanjutan Ika Susanti; Kurniawan Ramadhani
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 2 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i2.530

Abstract

Islamic business ethics constitute a fundamental pillar in the development of a fair, sustainable, and value-oriented economic system. The increasing complexity of modern business practices has generated various ethical challenges, including fraud, exploitation, unfair competition, information asymmetry, environmental degradation, and economic inequality. These phenomena highlight the urgent need for an ethical framework capable of balancing economic objectives with moral responsibilities. This article aims to analyze the fundamental principles of Islamic business ethics and their relevance to the contemporary development of the Islamic economic system. This study employs a qualitative approach through library research by examining classical and contemporary literature, including the Qur’an, Hadith, books, and scholarly journal articles related to Islamic economics and business ethics. The findings indicate that Islamic business ethics are founded upon several core principles, namely tawhid, justice, honesty, trustworthiness, responsibility, and ihsan. These principles guide economic actors in conducting business activities that prioritize public welfare, transparency, accountability, sustainability, and social justice. Furthermore, the implementation of Islamic business ethics contributes significantly to strengthening public trust, promoting sustainable business practices, reducing economic disparities, and achieving prosperity in accordance with the objectives of Islamic law (maqashid al-shariah). Therefore, Islamic business ethics remain highly relevant in addressing contemporary economic challenges and in supporting the development of a just and sustainable Islamic economic system.
A Sharia Economic Law Review of the Furniture Rotating Savings System in Rural Communities : Tinjauan Hukum Ekonomi Syariah Terhadap Sistem Arisan Furniture Di Masyarakat Pedesaan Feby Nurjannah; Abdul Hanip; Sukaena fauziah; Ifan Ali Alfatani
Aghnina : Jurnal Hukum Ekonomi Syari'ah Vol. 3 No. 2 (2026): published
Publisher : Program Studi Hukum Ekonomi Syari'ah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64431/ag.v3i2.538

Abstract

Arisan is one of the socio-economic activities that many people carry out as a means of saving, meeting household needs, obtaining business capital, and strengthening social relations between members. From an Islamic economic perspective, the practice of arisan must be carried out based on the principles of ta'awun (help), trust, justice, willingness, and transparency, and be free from elements of usury, gharar, maysir, fraud, and tyranny. This research aims to find out the practice of arisan furniture carried out by rural communities and analyze it based on Islamic law. The method used is qualitative research with a field research approach. Data was obtained through interviews and documentation of parties involved in social gathering activities. The results of the study show that arisan furniture helps people meet household needs that are difficult to buy in cash. In the review of sharia economic law, the practice uses the qard (loan) and al-bai' (buying and selling) contracts. The furniture arisan that was studied was considered legitimate because it met the elements of arisan and did not contain practices that were contrary to Islamic law. This study concludes that arisan can be accepted in the Islamic economy if it is managed in a trustworthy, fair, transparent manner, and based on a clear agreement. In order to remain in accordance with sharia principles, good recording, clarity of contracts, cost transparency, late rules, and a fair dispute resolution mechanism for all participants are needed.  

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