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At-Tahdzib: Jurnal Studi Islam dan Muamalah
Published by STAI At-Tahdzib
ISSN : 20897723     EISSN : 25031929     DOI : 10.61181
Core Subject : Religion, Economy, Education, Social,
Religion Economics, Econometrics & Finance Education Social Sciences
At-Tahdzib: Jurnal Studi Islam dan Muamalah is an academic journal that focuses (not limited) on in-depth studies on Islamic studies and muamalah (economic and social aspects of Islam). This journal aims to facilitate scientific discussion and dissemination of knowledge in the field of Islamic religious sciences and the application of sharia principles in economic and social life. Improve understanding of Islamic theory and practice in a modern context. Encourage high-quality research in the field of Islamic studies and muamalah. Provide a platform for academics, researchers, and practitioners to share knowledge and experiences. At-Tahdzib: Jurnal Studi Islam dan Muamalah covers various aspects of Islamic studies, including history, tafsir, hadith, fiqh, and contemporary Islamic theories. Research examining the development of Islamic thought and its application in modern society is also a major concern. Articles discussing the principles of Islamic economics, trade law, sharia financial management, and business ethics in an Islamic context. This includes studies on sharia-compliant economic practices as well as challenges and innovations in this field. At-Tahdzib: Jurnal Studi Islam dan Muamalah publishes articles in English. The article acceptance process is carried out through peer-review to ensure high quality and scientific contribution. Published since 2013 every March and September by the Institute for Research, Development and Community Service (LP3M) of the Sekolah Tinggi Agama Islam At-Tahdzib Rejoagung, Ngoro, Jombang, East Java, Indonesia. For more information about the latest edition, author guidelines, or access to articles, contact the editorial team via the email listed
Arjuna Subject : Ilmu Sosial - Hukum
Articles 231 Documents
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Waqf as an Instrument of Social Ethics: A Study of Islamic Legal Philosophy on Altruism and Ownership Syifauddin, Moh. Nazih; Arifin, Bustanul; Piryanti, Meri
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 1 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/at-tahdzib.v13i1.531

Abstract

Background: In the tradition of Islamic law, waqf functions not only as an economic or social worship instrument but also as an embodiment of transcendent ethical values, emphasizing ownership as a trust and altruism as a social principle. However, the development of waqf studies in Indonesia remains largely dominated by technical, administrative, and productive-economic approaches, with limited attention to the underlying value structures and moral logic. Aim: This study aims to examine waqf as an instrument of social ethics within the framework of Islamic legal philosophy, focusing on three core concepts: ownership, altruism (īthār), and maqāṣid al-sharīʿah. Methods: This research employs a qualitative normative-philosophical approach using hermeneutics and textual analysis. Primary data are drawn from classical works such as those of al-Shāfiʿī, al-Ghazālī, Ibn ʿĀshūr, and Mutahhari, while secondary data are obtained from academic journals indexed in Scopus and SINTA. The analysis applies ontological, axiological, and epistemological readings of ownership concepts and waqf practices. Results: The findings reveal that waqf, in its philosophical sense, represents the relinquishment of private ownership as an act of spiritual devotion that bridges faith and social responsibility. Altruism in Islam is not merely a moral behavior but a structured ethic integrated within the Islamic legal system. Therefore, the understanding of waqf should be constructed not only through formal legal aspects but also as a reflection of the ethical logic of Islamic law, oriented toward public welfare and social justice.
Sistem Payroll dalam Pengumpulan Zakat Profesi Aparatur Sipil Negara: Kajian Hukum Islam dan Kebijakan Daerah Ma'rur, Muhammad
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 1 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/xsaqe918

Abstract

Background. Professional zakat represents an adaptation of classical zakat jurisprudence to the realities of the modern economy, particularly for civil servants (ASN) who receive regular salaries. The Indonesian government has implemented an automatic salary deduction (payroll system) to facilitate zakat collection through BAZNAS and UPZ. However, this policy raises questions of shar‘ī validity, especially regarding the fulfillment of nisab requirements and the intention (niyyah) of the zakat payer (muzakki).Aim. This study aims to analyze the conformity of the payroll zakat system for civil servants with Islamic legal principles and its alignment with regional zakat regulations in Indonesia.Methods. The research employs a qualitative library research approach using content analysis of classical and contemporary fiqh literature, statutory laws, and regional regulations concerning professional zakat.Results. The findings indicate that the payroll system effectively enhances participation and transparency in zakat collection through official institutions such as BAZNAS and UPZ. Nevertheless, from a fiqh perspective, uniform deductions without verifying the nisab threshold—set at the equivalent of 85 grams of gold or approximately IDR 85,685,972 per year—raise issues of zakat validity. Zakat is obligatory only for those whose income meets or exceeds this threshold after essential needs are deducted; otherwise, deductions should be classified as voluntary shadaqah tathawwu‘iyyah. Therefore, harmonization between regional regulations, MUI fatwas, and BAZNAS guidelines is essential to ensure that the payroll zakat system is not only administratively efficient but also valid and just according to Islamic law.
Hak Warisan Wanita dalam Perspektif Hukum Islam: Kajian Sosial Hukum Islam Halimi, Moh. Zunaidi
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 1 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/hz686k74

Abstract

Background. The issue of women’s inheritance rights has long been a subject of discussion in Islamic law. Although the Qur’an establishes a ratio of two-to-one between male and female heirs, many modern scholars and feminists challenge this provision, arguing for equal inheritance based on justice and social changes.Aim. This study aims to analyze the development of female inheritance rights within the framework of Islamic law, focusing on socio-historical factors and debates that have shaped its evolution, and to predict possible directions for its future interpretation.Methods. This research employs a library-based qualitative approach (library research) by examining classical fiqh literature from the four schools of thought and comparing them with contemporary interpretations and gender justice discourses.Results. The study finds that the classical formulation of 2:1 emerged during the socio-historical context of a patriarchal society, in which women had minimal public and economic roles. However, in contemporary contexts, where women increasingly contribute to family and public life, scholars propose more egalitarian approaches, either through reinterpretation or consensual redistribution mechanisms such as hibah and shadaqah. The study recommends a mediating framework between textual and contextual readings to achieve both fidelity to scripture and social justice.
Exploring the Scientific Truth of Marriage Dispensation: An Interdisciplinary Study of Islamic Teachings Dimyati, Yayat
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/vrnac615

Abstract

Background. This scientific paper examines marriage dispensation in Islam through an interdisciplinary approach that combines the perspectives of religion, law, sociology, psychology, and health. Marriage dispensation, as a form of legal exception in early marriage, is often understood narrowly only from the religious normative side. In fact, in the contemporary social and scientific context, this practice has multidimensional implications that require a more holistic analysis. By examining the sharia arguments and the maqashid al-syari'ah framework. Aim. The findings show a gap between the understanding of dogma and scientific reality that should complement each other. Therefore, a contextual reinterpretation of Islamic teachings is needed that takes into account scientific and humanitarian dimensions. This study recommends the integration of revelation and science as a basis for formulating a just and sustainable marriage dispensation policy. Thus, an interdisciplinary approach becomes an important tool in exploring the scientific truth of religious dogma wisely and responsibly.  Methods. The research method in the study that you have compiled is an interdisciplinary qualitative approach with a case study strategy and empirical data analysis. The following is a complete description of the interdisciplinary qualitative approach. This study uses a qualitative approach because it aims to understand the meaning, views, and social impacts of the practice of marriage dispensation, not to test hypotheses statistically. This approach is interdisciplinary because it combines perspectives from its purpose is to produce a comprehensive and contextual understanding of the issue of marriage dispensation and this strategy was chosen to examine several concrete cases of marriage dispensation in Indonesia, including data from religious courts and interviews available in reports from official institutions such as UNICEF, National Commission on Violence Against Women, and Indonesian Child Protection Commission. Case studies allow for in-depth analysis of the social and religious dynamics behind the practice. Results. This study recommends the integration of revelation and science as a basis for formulating a just and sustainable marriage dispensation policy. Thus, an interdisciplinary approach becomes an important tool in exploring scientific truth from religious dogma wisely and responsibly.
Innovation and Challenges of Musyarakah Contracts in Islamic Financial Institutions: Fintech Integration, Smart Contracts, and the Role in MSME Financing (Empirical and Policy Review, 2021–2025) Lisvi Vahlevi, Dewi Riza
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/9d3f6275

Abstract

Background. The acceleration of financial digitalization in the 2021–2025 period has encouraged Lembaga Keuangan Syari’ah (LKS) to develop musyarakah contract innovations through fintech integration and the use of blockchain-based smart contracts, as well as making musyarakah a strategic instrument in strengthening the productive financing of MSMEs. Aim. This research aims to analyze the development of these innovations as well as identify regulatory, operational, and technological challenges that affect the effectiveness of their implementation in the Islamic finance industry. Methods. Using empirical and policy review methods with a mixed-method approach including secondary data analysis from the Otoritas Jasa Keuangan, Islamic banking and fintech reports, academic studies 2021–2025, as well as thematic qualitative analysis of regulations and fatwas. Results. This study found that the integration of fintech and smart contracts can improve transparency, monitoring accuracy, speed of the financing process, and mitigation of moral hazard risks in musyarakah schemes, while the main challenges are related to regulatory fragmentation, readiness of digital infrastructure of LKS, data security risks, and low sharia technology literacy. These findings emphasize the need for policy harmonization, standardization of sharia smart contracts, and collaboration between regulators, LKS, and fintech players to maximize the potential of deliberation in supporting the empowerment of MSMEs in the digital economy era.
Sharia Economic Law on Buying and Selling Transactions via QRIS: A Review Nihayah, Hana; Ma'rur, Muhammad
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/whkb2b46

Abstract

Background. The rapid development of digital payment systems has significantly transformed buying and selling transactions in Indonesia, particularly through the implementation of the Quick Response Code Indonesian Standard (QRIS). Although QRIS is widely adopted by micro and small business actors due to its efficiency and practicality, studies examining its compliance with Islamic economic law remain limited. This condition raises important questions regarding the validity of contracts, transparency of transactions, and the potential presence of prohibited elements such as riba, gharar, and maysir within digital payment mechanisms.  Aim. This article aims to analyze the practice of buying and selling transactions using QRIS and to examine their conformity with the principles of Islamic economic law, focusing on the legality of the transaction mechanism and its adherence to sharia principles. Methods. This study employs a qualitative research method with a case study approach. Data were collected through observations, in-depth interviews with merchants and consumers, and documentation in Rejoagung Village, Jombang Regency. The data were analyzed descriptively using the theoretical framework of Islamic economic law. Results. The findings indicate that QRIS-based transactions generally fulfill essential elements of valid transactions, including mutual consent, clarity of transaction objects, and certainty of payment. From the perspective of Islamic economic law, buying and selling transactions using QRIS are permissible as long as they do not involve elements of riba, gharar, or maysir, and uphold principles of justice, transparency, and accountability. Therefore, QRIS can be considered a legitimate payment instrument in Islamic commercial transactions, provided that sharia principles are consistently observed.
Beef Arisan Practices from the Perspective of Sharia Economic Law: A Study in Dusun Jimus Saniyah, Mila Durrotus; Naachy, Dzin Nun
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/rvgphs05

Abstract

Background. Various community-based economic practices continue to develop in rural areas, including the arisan daging sapi (beef-rotation scheme). This practice is carried out by residents as an alternative method to obtain beef at a more affordable and structured manner. However, the mechanism of payment rotation, price determination, and distribution raises questions regarding its compliance with the principles of Islamic Economic Law, particularly related to gharar, maisir, and fairness of exchange. Aim. This study aims to examine the legal status of the arisan daging sapi practiced in Dusun Jimus, Karanganyar Village, Wates District, Kediri Regency, as viewed from the perspective of Islamic Economic Law. The research focuses on identifying the contract (akad) used, analyzing the presence of prohibited elements, and determining whether the practice aligns with sharia principles. Methods. This research employs a qualitative descriptive method with an empirical juridical approach. Data were collected through observation, in-depth interviews with organizers and participants of the arisan, and documentation related to its implementation. The analysis was conducted through data reduction, classification, interpretation, and drawing conclusions based on the framework of Islamic Economic Law. Results. The findings indicate that the arisan daging sapi in Dusun Jimus generally operates based on mutual agreement and community trust. The practice does not contain elements of maisir and is free from excessive gharar, as payment schemes and distribution schedules are clearly agreed upon. Nevertheless, several weaknesses were identified, including the absence of written agreements and potential price disparities that may affect fairness. Overall, the practice is permissible (mubah) as long as transparency, fairness, and clarity of the akad are consistently maintained.
The Paradigm of the Musharakah Mutanaqishah Contract: Between Theory and Practice Umam, Syafiul; Ahmad, Zakiyyah Ilma; Santoso, Muhammad Syafi'i Budi; Abidin, Ahmad Zainul
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/4fz1fm58

Abstract

Background. The Musyarakah Mutanaqishah (MMQ) contracts have become one of the leading products in the global Islamic Banking industry, especially for financing long-term assets such as property, vehicles, and as a refinancing scheme. Aim. Its partnership-based concept is considered to better represent the principles of fairness and risk-sharing than debt-based contracts. However, in its implementation, various challenges and debates have arisen regarding the compatibility of the theoretical framework in Islamic jurisprudence with practices in Islamic financial institutions (IFIs). Methods. This qualitative research aims to examine the theoretical paradigm of the MMQ contract, analyze its practical application in Indonesian Islamic Banking, and identify potential gaps between the two. Using a literature review and field study approach through document analysis and in-depth interviews with practitioners, this study found that while conceptually MMQ offers a true partnership scheme, its practice often exhibits tendencies closer to lease-based (ijarah) or debt-based (murabahah) financing models. Results. Gap This seen the more clear in application refinancing scheme, the structure of which can cause debate jurisprudence related ban on bai’ al-’inah. Gaps This identified in aspects ownership assets, mechanisms distribution risks and benefits, as well as structure contract dual (hybrid contract). Implications touch aspect sharia compliance, protection consumers, and challenges regulation. Research This recommend the need strengthening framework regulation, innovation more products substantial, as well as improvement literacy for practitioners and clients for ensure MMQ implementation in line with maqashid sharia.
Exploring Economic Potential in Religious Tourism Areas Through A Tourism Awareness Paradigm Wakhid, Abdul; Santoso, Muhammad Syafi'i Budi; Ahmad, Zakiyyah Ilma; Dimyati
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/kx9pj995

Abstract

Background. This article discusses the economic potential in religious tourism areas in Indonesia through the tourism awareness paradigm. The tourism sector, particularly religious tourism, has become an important pillar in economic growth, contributing around 4.5% to the national Gross Domestic Product (GDP). Aim. With the increasing number of domestic and international tourists, religious tourism areas such as Borobudur Temple and Istiqlal Mosque show a significant impact on regional income and job creation. Method. This study uses a qualitative approach with the Systematic Literature Review (SLR) method to identify economic opportunities and existing challenges. Result. The results of the study show that the application of the tourism awareness paradigm can increase community participation in the management and preservation of religious sites, as well as encourage the development of supporting infrastructure. Empowering local communities through small and medium enterprises (SMEs) also plays an important role in achieving sustainable economic benefits. Thus, the development of religious tourism areas not only improves the welfare of the community, but also preserves local culture and traditions.
Integration of Islamic Finance and Green Economy in Realizing Sustainable Finance in Indonesia Munir, Misbachul
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/hjpxf164

Abstract

Background. Integrasi keuangan syariah dan ekonomi hijau menjadi isu strategis dalam upaya mewujudkan keuangan berkelanjutan di Indonesia, seiring dengan meningkatnya kebutuhan pembiayaan untuk transisi menuju pembangunan rendah karbon. Aim. This study aims to analyze the role, challenges, and opportunities of Islamic financial integration in supporting the implementation of a green economy in Indonesia, particularly in the context of national policies and the development of the Islamic financial industry. Method. This study employed a descriptive qualitative approach with library research. Data were obtained from secondary sources, including scientific books, accredited journal articles, policy documents, and official reports from national and international institutions such as the Financial Services Authority, Bank Indonesia, the Ministry of Finance, and the Global Green Growth Institute. Data analysis was conducted using content analysis techniques to identify the alignment between Islamic finance principles, green economy objectives, and the applicable regulatory framework. Result. The research findings demonstrate that Islamic finance aligns normatively with green economic principles, particularly in terms of fairness, sustainability, and orientation toward the real sector. Instruments such as green sukuk, profit-sharing financing, and Islamic fintech have significant potential to support inclusive green financing. However, this integration still faces various challenges, including limited green financial literacy, the lack of standardized Sharia-based ESG indicators, and the national economy's dependence on fossil fuels. This research recommends strengthening regulations, innovating green Islamic financial products, and utilizing digital technology as key strategies to accelerate Islamic finance's contribution to green economic development in Indonesia.

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