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Saqifah: Jurnal Hukum Ekonomi Syariah
Published by Universitas Islam Negeri Imam Bonjol Padang
ISSN : 25484974     EISSN : 30482844     DOI : https://doi.org/10.15548/sqf
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Saqifah: Jurnal Hukum Ekonomi Syariah with registered number ISSN 2548-4974 (print) 3048-2844 (online) published by the Sharia Economic Law Study Program, Faculty of Sharia, UIN Imam Bonjol Padang as an information media and discussion forum for the study of sharia economic law. It contains concise writings on research results, hypotheses, surveys and other academic works. The editor invites experts, scholars and practitioners to discuss and write freely and creatively while communicating with the wider academic community. The editors may shorten and improve the article without changing its purpose and content. The articles do not reflect the views of the institution that publishes this journal, all of them are the views of the authors themselves. Saqifah: Jurnal Hukum Ekonomi Syariah is published twice a year (June and December). It was first published in 2016 (print edition). Then it gradually migrated to an electronic journal system in 2021 (Open Access). Now the journal is fully online, and available in Indonesian version starting Vol. 6 No. 2 (2021).
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Articles 72 Documents
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ASURANSI PERTANIAN DALAM PERSPEKTIF MAQASHID SYARIAH: IMPLEMENTASI DAN URGENSI Netta Agusti; Ihsan Rahmat
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 7, No 1 (2022): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v7i1.390

Abstract

As one of the famous agrarian countries. business potential in the agricultural sector in Indonesia is quite large and very potential when viewed from the geographical conditions of the environment. However, uncertain climatic conditions can be fatal for farmers in their business. Crop failure is a frightening specter for farmers, because it will cause financial losses. Through government programs regulated in Law Number 19 of 2013 concerning the protection and empowerment of farmers, the government seeks to protect farmers, one of which is through the policy of having an agricultural insurance program. This paper aims to see how the concept and application of agricultural insurance is related to the maqashid sharia concept. Protection against risk is as important as other basic needs because it is expected to ensure continuity of fulfillment of needs in one's life. From an Islamic point of view, this fulfillment is categorized into five main areas as determined by the maqashid sharia, namely the demands of maintaining religion, reason, soul, children, and property so that the objectives of sharia are achieved.
Toward Sustainable Islamic Fintech: Legal Challenges and Strengthening Sharia Governance in Indonesia Lahfiz Safutra; Aziz Asyraf
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 10, No 2 (2025): SAQIFAH: JURNAL HUKUM EKONOMI SYARIAH
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v10i2.911

Abstract

The development of financial technology (fintech) has brought significant transformations to the financial services system, including in the Islamic finance sector in Indonesia. Sharia fintech has emerged as an alternative to digital financial services, with the expectation that it will remain grounded in the principles of Islamic economic law. However, technology-based product innovations also raise various legal issues related to Sharia compliance. This study aims to analyze the concept of sharia compliance, the legal regulation of sharia fintech in Indonesia, and its implementation in sharia fintech product innovation. The research employed normative legal methods, drawing on legislative, conceptual, and fatwa approaches. Data was obtained through a literature study of legislation, DSN-MUI fatwas, and Islamic economic law literature. The study's results indicate that the legal regulation of sharia fintech in Indonesia is normatively adequate, supported by the roles of the OJK, Bank Indonesia, and DSN-MUI. However, in practice, the implementation of Sharia compliance in fintech product innovation still faces various challenges, such as the risk of hidden usury, ambiguous contracts, the use of late fees, and weak substantive supervision. Therefore, it is necessary to strengthen adaptive regulations, enhance the competence of the Sharia Supervisory Board, and strengthen public Sharia financial literacy so that Sharia fintech can develop sustainably and in accordance with the principles of Sharia economic law.
Peran Koperasi Syariah dalam Membebaskan Anggota dari Jeratan Riba Adi Prawira
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 8, No 2 (2023): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v8i2.410

Abstract

Sharia Cooperatives are Islamic financial institutions that carry out their activities no different from conventional financial institutions, the difference lies in the principles and laws used, where Islamic cooperatives must comply with Islamic law and implement Islamic sharia principles. One of the sharia principles is that the transactions used in Islamic cooperatives must be free from riba. One of the problems is that members still have loans to conventional financial institutions, and have a desire to be able to avoid riba transactions, so cooperative members must take over debt to no ribawi institutions.  Islamic cooperatives can provide sharia-based financing alternatives. One of the contracts that can be used in take over debt from conventional financial institutions to Islamic cooperatives is a debt transfer contract. This debt transfer is carried out based on the Fatwa of the Indonesian Sharia Council of the Indonesian Ulema Council No. 31/DSN-MUI/VII/2002. This DSNI MUI Fatwa in take over debt provides four alternatives. By following the DSN MUI Fatwa, customers can take over debt from conventional institutions to Islamic cooperatives to avoid riba.
Jual Beli Kondom Perspektif Hukum Islam Rifqul ‘Afif; Ilham Candra
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 6, No 2 (2021): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v6i2.229

Abstract

This study aims to determine the perspective of Islamic law on buying and selling condoms and to explain the factors in selling contraceptives (condoms) to adolescents. The type of research is field research (Field Research) and data collection techniques are interviews. The results of the study, according to the perspective of Islamic law, buying and selling condoms is permissible if they are sold to married people, but buying and selling condoms is haram if they are sold to unmarried teenagers with the aim of connecting with couples who are not married. Factors Affecting the Occurrence of Condoms Buying and Selling Transactions for Teenagers: a) There is no governing law; b) Free association, lack of religious awareness; c) Modern Technology/Electronics; d) Insufficient parental care and supervisionl; e) Sexual stimulation; f) There is an opportunity from the government.
PERAN ZAKAT DAN PENGELOLAAN WAKAF DALAM KEBIJAKAN FISKAL Fauzi Yati
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 7, No 1 (2022): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v7i1.385

Abstract

Zakat is an obligation that must be fulfilled by every Muslim. It is this obligation that encourages them to explore the intentions behind the law. At present, zakat has been formulated as an Islamic economic instrument that will provide an even distribution of wealth to fellow Muslims. Zakat is used as a fiscal policy by the government of Islamic countries. Waqf is a religious institution in Islam that has a direct functional relationship with efforts to solve social and humanitarian problems such as poverty alleviation and economic empowerment of the people. Waqf is one of the Islamic financial instruments apart from zakat. If managed productively, it can be used to improve people's living standards. Some interests such as worship, education, socio-economic welfare are actually inherent in the function of waqf. This means that waqf must be managed productively so that waqf really becomes a source of funding from the ummah for the ummah, both for religious, social, and economic interests. For this reason, an understanding of the function of waqf needs to be socialized and become a collective movement for all people in the context of injecting the economy of the people.
Flexing Phenomenon in Tiktok: A Critical Review in the Perspective of Sharia Economic Law Latifatul Ma'rifah; Dwi Noviatul Zahra
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 10, No 1 (2025): Saqifah:Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v10i1.782

Abstract

The phenomenon of flexing or showing off wealth through social media, especially TikTok, has become a trend among millennials and Gen Z. It takes various forms, from displaying expensive skincare, fantastic sales achievements, to luxurious lifestyles packaged as marketing content. It takes various forms, ranging from displaying expensive skincare, fantastic sales achievements, to luxurious lifestyles packaged as marketing content. Despite the surface economic impact, this practice raises ethical and normative issues from the perspective of Sharia Economic Law. This research aims to critically examine the phenomenon of flexing through a normative approach with the theory of Maqashid Sharia, Islamic consumption ethics, and the rules of dar'ul mafasid muqaddamun 'ala jalbil mashalih. The method used is descriptive qualitative with a library research approach, accompanied by social data and case studies from TikTok actors such as Shella Saukia and Daviena Skincare. The results of the study show that the practice of flexing which is manipulative, riya, and image-oriented is contrary to the principles of hifz al-mal, hifz al-nafs, hifz al-'irdh, and even hifz al-din. Apart from causing social pressure and potential debt, flexing also disrupts the balance of maslahat values and fosters a consumptive culture. Therefore, it is important to encourage digital education based on sharia values and build ethical and moral awareness in social media so that the digital economy remains in line with the Islamic principles of justice, blessings, and social responsibility.
HALAL ATAU HARAM CRYPTOCURRENCY SEBAGAI ALAT TRANSAKSI PEMBAYARAN?: MENDIALOGKAN DARI SUDUT PANDANG SYARIAH DAN REGULASI Muhammad Fauzi; Mursal Mursal
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 8, No 1 (2023): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v8i1.404

Abstract

People's lives and activities have become more Go-Digital. The proof can be seen from the means of payment transactions using digital currency (Cryptocurrency). Cryptocurrency is a decentralized system using peer-topeer technology (Blockchain) without being regulated and issued by a third party (such as a government/bank financial institution). It is different from fiat currency in physical form (paper money and coins) and non-physical fiat currency (giral money) which is centralized/regulated and issued by a third party. Therefore, this research aims to find out whether Cryptocurrency is halal or haram as a means of payment transactions by having a dialogue from a sharia point of view. This research also finds out whether Cryptocurrency is legal or illegal as a means of payment transactions by having a dialogue from a regulatory point of view in Indonesia. This research takes place using the Literature Review approach. This study shows that halal or haram Cryptocurrency as a means of payment transactions a dialogue from a sharia point of view, there are still differences of opinion, especially the parties giving fatwas (ulama, majlis, and sharia academics). Some parties decided Cryptocurrency was Halal (permissible/Mubah);, and some parties decided Cryptocurrency to Abstain; and some parties decided Cryptocurrency a total ban (Haram) (including MUI in Indonesia decided that Cryptocurrency as a means of payment was forbidden);. Meanwhile, a dialogue from a regulatory point of view in Indonesia, Cryptocurrency cannot yet become a means of payment transactions because they are contrary to existing laws and regulations and Bank Indonesia regulations. At the same time, Bank Indonesia has firmly stated that Cryptocurrency is an illegal means of payment transactions. In Indonesia, legal cryptocurrencies are only regulated in the regulations issued by PERMENDAG/BAPPETI, but only limited to commodities (assets).
Investigating the Application of Islamic Economic Law in Modern Economics: A Qualitative Study on the Concepts of Riba and Zakat Elsa Maya Sari; Ewa Gustianda; M. Reivaldy Elfitra
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 9, No 1 (2024): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v9i1.447

Abstract

This research investigates the application of Islamic Economic Law (IEL) within the context of modern economics, focusing on the fundamental concepts of riba (usury) and zakat (almsgiving). Utilizing a qualitative method, the study analyzes the principles of Islamic economics as derived from the Quran and Hadith. It also examines the interpretation and application of these concepts in the economic practices of Muslim communities. Through a descriptive approach, the research aims to identify and elucidate the phenomenon related to Islamic Economic Law in depth. The findings reveal that IEL is a comprehensive legal framework based on Islamic teachings, including the Quran, Sunnah, and the results of Ijtihad (independent reasoning). Fundamental principles of IEL highlighted in the study include justice, honesty, and balance, which are essential in all economic activities. This research contributes to a deeper understanding of how Islamic principles can be integrated into modern economic systems, promoting ethical and equitable economic practices.
Protection of Consumer Rights in Online Buying and Selling: Analysis of the DSN-MUI Fatwa and Its Implementation in Sharia E-Commerce Ghina Khairiyati Salsabila; Rahmatillah Rahmatillah
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 10, No 1 (2025): Saqifah:Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v10i1.710

Abstract

The development of digital technology has driven the growth of online buying and selling transactions significantly, including in the scope of sharia e-commerce. This phenomenon raises new challenges related to the protection of consumer rights in accordance with sharia principles. This study aims to analyze the protection of consumer rights in the practice of online buying and selling based on the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and examine its implementation on sharia e-commerce platforms in Indonesia. The method used is qualitative with a normative and sociological approach. The data source was obtained through a study of documents on relevant DSN-MUI fatwas, as well as interviews with managers and users of sharia e-commerce platforms. The results of the study show that the DSN-MUI fatwa has provided a normative basis related to justice, information disclosure, and the prohibition of gharar elements in online transactions. However, its implementation in the field still faces a number of obstacles such as weak supervision, lack of consumer literacy, and the absence of specific technical regulations in sharia e-commerce. Therefore, there needs to be synergy between Islamic financial authorities, industry players, and consumers to strengthen the protection of consumer rights holistically in online buying and selling based on sharia principles. 
ANALISIS PERSEPSI KONVERSI KOPERASI KONVENSIONAL MENJADI KOPERASI SYARIAH (STUDI KASUS ANGGOTA KOPERASI SYARIAH PONDOK PESANTREN DINIYYAH PUTERI PADANG PANJANG) Okfi Resti; Agri Madilla; Suhatri Mariko
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 8, No 1 (2023): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v8i1.399

Abstract

Seiring perkembangan ilmu pengetahuan dan mulai menigkatnya pemahaman terhadap riba serta keinginan untuk meninggalkan praktik ribawi, pemerintah menetapkan peraturan perundang undangan tentang pelaksanaan kegiatan koperasi jasa keuangan syariah. Koperasi syariah dapat menjadi sarana untuk memudahkan masyarakat dalam melakukan simpan pinjam tanpa harus memikirkan bunga pinjaman. Metode yang digunakan adalah metode kuantitatif dengan pendekatan deskriptif, tujuan penelitian ini adalah untuk mengetahui hubungan antara persepsi terhadap konversi koperasi konvensional menjadi koperasi syariah pada Koperasi Konsumen Syariah Pondok Pesantren Diniyyah Puteri Padang Panjang.  Data yang diolah bersumber dari data primer dengan menggunakan kuesioner. Sebelum menarik kesimpulan, data dianalisis dengan beberapa tahap yaitu uji validitas dan reliabilitas, uji normalitas, uji asumsi klasik dan uji hipotesis mengunakan teknik analisis regresi sederhana. Hasil penelitian menunjukan bahwa persepsi mempengaruhi konversi koperasi konvensinal menjadi koperasi syariah, meskipun masih ada anggota yang belum paham tentang konversi koperasi konvensional menjadi koperasi syariah, namun persepsi anggota terhadap koperasi syariah bisa dinilai baik. Berdasarkan persepsi anggota koperasi kearah yang positif diharapkan dapan mempercepat laju perkembagan koperai syariah di seluruh Indonesa.

Page 7 of 8 | Total Record : 72

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