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LPPM IAI Dar Aswaja Rokan Hilir
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TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah
Published by Institut Agama Islam Dar Aswaja Rokan Hilir
ISSN : -     EISSN : 31092926     DOI : -
Core Subject :
TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah is a journal published by Faculty of Sharia Economi, Islamic Institut of Dar Aswaja Rokan Hilir. This journal is published twice a year in June and December. The writing theme covers all models and research methodologies related to Islamic Economics and Banking.
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Articles 12 Documents
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KONTRUKSI HUKUM SYARIAH TERHADAP FENOMENA PAY-WHAT-YOU-WANT (BAYAR SEIKLASNYA) DALAM STRATEGI PEMASARAN MODERN Muhammad Sauqi; Siliwangi Siliwangi; Ridho Saputra; Muhammad Zainuri
TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah Vol. 2 No. 1 (2026): TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

The development of marketing strategies in the modern economy has given rise to various innovative pricing models, one of which is the Pay-What-You-Want (PWYW) system, or the “pay as you wish” payment model. This model allows consumers the freedom to determine the amount they consider appropriate for a product or service. Although this strategy is considered capable of increasing consumer trust and loyalty, its existence raises normative questions from the perspective of Islamic economic law, particularly regarding the clarity of price within a sale and purchase contract. This study aims to analyze the construction of Islamic law toward the practice of Pay-What-You-Want in the context of modern marketing strategies and to assess its compatibility with the principles of fiqh muamalah. This research uses a qualitative approach with a library research method through the analysis of literature on fiqh muamalah, contemporary Islamic economics, and academic studies related to the Pay-What-You-Want model in modern business practices. The analysis is conducted using a normative-conceptual approach that examines the principles of contracts (akad), price clarity (tsaman), mutual consent of the parties (an-tarāḍin), and the potential presence of gharar (uncertainty) in transactions. The results of the study indicate that the Pay-What-You-Want practice can, in principle, be understood as a form of flexibility in the pricing mechanism as long as it fulfills the element of mutual consent and does not create uncertainty that harms either party. From the perspective of Islamic law, this model may be constructed as a permissible form of transaction provided that it fulfills the principles of transparency, fairness, and does not contain excessive gharar. Therefore, the Pay-What-You-Want practice can be viewed as a marketing innovation compatible with the principles of Islamic economics when implemented within the framework of Sharia business ethics.
PERAN PEMASARAN SYARIAH SEBAGAI UPAYA PENINGKATAN DAYA SAING UMKM DI KABUPATEN ROKAN HILIR Arpizal Arpizal; Rokiyah Rokiyah; Usnan Usnan
TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah Vol. 2 No. 1 (2026): TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in improving the community's economy, but they still face various obstacles in increasing their competitiveness, particularly in marketing. The problems identified in MSMEs selling Barangan Bananas in Suak Air Hitam Village, Pekaitan District, Rokan Hilir Regency include limited understanding and application of sharia marketing and low utilization of digital media in promotional activities. Unlike previous studies that focused on MSMEs in urban areas or businesses that have developed digitally, this study focuses on the application of sharia marketing in rural MSMEs. This study aims to analyze the role of sharia marketing in increasing the competitiveness of MSMEs from an Islamic economic perspective. The research motivation is based on the importance of strengthening MSME competitiveness through the application of sharia values ​​that are oriented not only towards profit but also towards business blessings. The study used a qualitative method with a descriptive approach. Data were obtained through observation, interviews, and documentation, then analyzed using the Miles and Huberman model. The research results show that implementing the principles of honesty (shiddiq), trustworthiness, fairness, responsibility, and good service can increase consumer trust and loyalty, thereby strengthening business competitiveness. The policy implications of this research are the need for ongoing development and strengthening of Sharia-based digital marketing by local governments and related institutions to support the sustainability of MSMEs in rural areas.

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