Tawazun: Journal of Sharia Economic Law
Tawazun: Journal of Sharia Economic Law is a double-blind peer-reviewed journal published by Sharia Economic Law Department, Sharia Faculty, State Islamic Institute of Kudus, Kudus, Indonesia Focus Tawazun: Journal of Sharia Economic Law emphasizes the study of Sharia Economic Law and Islamic law in Islamic countries in general and specifically in Indonesia by emphasizing the theory of Sharia Economic Law and Islamic law and its practice in the Islamic world that developed in attendance through publications of articles and book reviews. Scope Tawazun: Journal of Sharia Economic Law specializes in studying the theory and practice of Sharia Economic Law and Islamic law in Islamic countries and is intended to express original researches and current issues. This journal welcomes the contributions of scholars from related fields warmly that consider the following general topics; Sharia economic law Sharia business law Sharia management law Sharia banking law Law of sharia financial institutions Non-bank financial industry law Law Sharia economics Islamic law
Articles
126 Documents
<![CDATA[Sistem Pertanggungan Pada Penjaminan Bancassurance oleh Asuransi X Syariah Menurut Konsep Kafālah ]]>
<![CDATA[Zahara, Nuraiza]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 3, No 1 (2020): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v3i1.7092
<![CDATA[Cooperation agreement between the Bank and Insurance in the form of a bancassurance system the Bank transfers part of the risk that will arise to the Insurance. Such as the risk of debtor customer financing bottlenecks due to death, the risk borne by the Bank is transferred to the insurance company with life insurance coverage. Insurance agreement for debtor customers, Insurance applies a system based on the kafālah concept. This study explores how the insurance system between the customer and the Bank with the involvement of Insurance as a guarantor in the Bancassurance agreement and how the Islamic legal review of the insurance system carried out by the Insurance against the Bank with the Bancassurance agreement. This research uses descriptive analysis method, which describes or gives a description of the object under study through data or samples that have been collected. The conclusion of the research is that the coverage applied by the Insurance against the Bank is not in accordance with the true kafālah concept, the Insurance has paid the principal fund fully but does not pay the service fee in accordance with the minimum amount determined by the Bank. Based on the concept of insurance, the insurance should be obliged to fulfill everything that is the responsibility of the customer to the Bank, including compensation for services as stipulated. From the explanation above, the concept of kafālah applied by Insurance in its coverage of the Bank is still a mismatch between the concept and its application.]]>
<![CDATA[Endorse Pakaian Wanita pada Kaum Pria (Tasyabbuh) dalam Tinjauan Etika Bisnis Islam (Studi Kasus Selebgram Pria di Kota Pontianak) ]]>
<![CDATA[Saragih, Eka Junila]]>;
<![CDATA[Abdurrahman, Abdurrahman]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 5, No 2 (2022): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v5i2.15425
<![CDATA[This study examines the endorsement of women's clothing used by men. Business actors in marketing their products use endorsement services. This phenomenon is what happened in Pontianak city; found male endorsers received endorsements such as the use of wigs, makeup, and women's clothing that women should use. This research uses an empirical method that is descriptive with a qualitative approach. The primary data source in this study is a Celebrity Endorser Instagram (Celebgram) in Pontianak city. At the same time, secondary data are obtained from related books and documents. The deeds done by the endorser are deeds that simulate women and in Islam are called tasyabbuh. Tasyabbuh is clearly forbidden in Islam. Tasyabbuh did by a man to a woman concerning the endorsement activity, and if it connected to the fiqh law rules is returned to the endorser intension. All acts committed by a person are penalized according to what he intends, including those done by the endorser. The phenomenon seen here is that these endorsers try to look as similar as possible to women and show femininity lying in the form of tasyabbuh.]]>
<![CDATA[Zakat Pekerja Digital Menurut Fatwa MUI dalam Perspektif Maqashid al-Syariah Imam al-Syathibi ]]>
<![CDATA[Ulum, Bachrul]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 8, No 1 (2025): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v8i1.30720
<![CDATA[The phenomenon of income from digital activities is becoming increasingly important in the era of the industrial revolution 4.0. Including the obligation to carry out zakat effectively and in accordance with Islamic law. The review of Maqashid al-Syariah Imam al-Syathibi from the results of the Ijtima Ulama of the MUI Fatwa Commission is used in this study to provide zakat solutions in the current modern era. The aim is to understand more deeply about the suitability of the MUI fatwa with the principles of Maqashid al-Syariah Imam al-Syathibi and to assess the concept of digital can be applied fairly, relevantly and beneficially for digital workers in the era of a technology-based economy. This research uses library analysis methods to collect data on sharia economic law literature as well as works that examine Imam al-Syathibi's Maqashid al-Sharia theory. Qualitative analysis was performed on the data to determine how these principles are used in the context of zakat on digital income. The results of the study show that income from digital work as an object of zakat, determining the appropriate nisab and haul, and applying a zakat rate of 2.5% are actions that are consistent with Maqashid al-Shariah.]]>
<![CDATA[Implementasi Prinsip-Prinsip Muamalah dalam Transaksi Ekonomi: Alternatif Mewujudkan Aktivitas Ekonomi Halal ]]>
<![CDATA[Maharani, Dewi]]>;
<![CDATA[Yusuf, Muhammad]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 4, No 1 (2021): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v4i1.8338
<![CDATA[Alternatives on Realizing Halal Economic Activities. This study aims to explain the principles of Muamalah in economic transactions as in Al-Quran and Hadith. Halal economic activity plays an important role in economic transactions in Moslem life, which is the main requirement as one of the essences of Islamic teachings. Economic activities carried out by a Moslem are part of worship to Allah the Almighty who is in the framework of aqidah and sharia. Islamic economics aims to achieve happiness in the world and the hereafter through the order of life, to establish equality between humans ]]>
<![CDATA[Tinjauan Hukum Islam terhadap Pinjaman Kredit Usaha Masyarakat di Unit BUMDes “Loh Jinawi” Desa Candipari Kecamatan Porong Kabupaten Sidoarjo ]]>
<![CDATA[Faruq, Muhammad Al]]>;
<![CDATA[Masduqie, Muhammad Hamdan Ali]]>;
<![CDATA[Djalaluddin, Ahmad Ahmad]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 6, No 2 (2023): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v6i2.19356
<![CDATA[Mu'amalah in the Islamic context requires fellow human beings to cooperate and relate to each other to increase benefit and not cause harm to each other. The debt receivables agreement is intended to help each other among fellow human beings, tosolvean problem and facilitate the continuity of hislife. The purpose of this study is to analyze the borrowing of community business loans in the BUMDes unit "Loh Jinawi" Candipari Village, Porong District, Sidoarjo Regency based on a review of Islamic law. This research is a field research (field research). The research used is qualitative research, where the author conducts research by looking for direct data in the field to understand comprehensively how the implementation of business credit loans in the community in the BUMDes unit "Loh Jinawi" Candipari Village, Porong District, Sidoarjo District viewed from Islamic law. The results of the research obtained by the researchers showed that the practice or mechanism of community business credit loans in the BUMDes unit "Loh Jinawi" candipari village, Porong district, Sidoarjo Regency, found that there was interest interest charged to borrowers or debtors. So according to the clerics' adherents of madzhab imams, if in a contract of debts there is an additional element or interest then the law is illegitimate.]]>
<![CDATA[Hutang Luar Negeri Dalam Perspektif Ekonomi Syariah ]]>
<![CDATA[Kirom, Cihwanul]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 1, No 2 (2018): TAWAZUN : Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v1i2.5093
<![CDATA[The purpose of this study is to find out how foreign debt law is reviewed in terms of Islamic economics. Foreign debt is among the funding sources to meet the State expenditure budget. This foreign debt is very important, especially developing countries in improving the economy. However, this debt problem has become a long debate among the people. There are people who agree that if the country adds debt, there are also those who disagree about it. Especially in terms of the applicable aspects of sharia economic law, this study reveals various theories and laws on sharia economic perspective on foreign debt. The results of this study are hadith exposure and the level of debt budgeted by the government.]]>
<![CDATA[Problematika Hukum dalam Pengelolaan Zakat dan Wakaf Uang di Indonesia ]]>
<![CDATA[Hadi, Solikhul]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 8, No 2 (2025): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v8i2.36200
<![CDATA[Previous studies on the management of zakat and waqf in Indonesia tend to use an objective perspective and do not accommodate subjective perspectives. This study aims to complement the shortcomings of previous studies by analyzing the problems faced in the management of zakat and cash waqf in Indonesia from a subjective perspective, namely by involving a society with their culture. In line with that, two questions are formulated: First, how is the implementation of zakat and cash waqf management in Indonesia? And second, what are the problems faced in the implementation of zakat and cash waqf management in Indonesia? This study is field research with a qualitative-subjective approach. From the results of the study found two answers to the problem formulation. First, the management of zakat and cash waqf in Indonesia is quite adequate in terms of zakat and cash waqf regulations. However, in terms of achieving philanthropy from the community, it is not optimal. Second, the main obstacles in zakat management in Indonesia are the lack of management effectiveness, the lack of human resources (HR), and the still low level of awareness of muzakki. And the main obstacles in the management of cash waqf are three things, namely: weak literacy, weak trust and limited number of fundraisers spread throughout Indonesia.]]>
<![CDATA[Relevansi Pemikiran Ekonomi Abu Yusuf dan Al Syaibani dengan Kebijakan Ekonomi di Indonesia ]]>
<![CDATA[Mubarok, Anas Bayan]]>;
<![CDATA[Witro, Doli]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 5, No 1 (2022): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v5i1.13389
<![CDATA[Abu Yusuf and Al-Syaibani are great Islamic economists who gave birth to basic principles ini the economy. Through their thinking, they succeeded in bringing governments in their time to peak prosperity in economic development. This study aims to explain the economics of Abu Yusuf and Al-Syaibani's thinking and its relevance in Indonesian economic policies. This research belongs to the type of qualitative research, and the method of collecting data is library research. Research shows that: first, Abu Yusuf’s economic thinking can be found in his work al-kharaj, the core of his economic thinking speaks of the emphasis on the responsibility of rulers to welfare their people. Second, Al-Syaibani, in his economic view, is more likely to talk about micro-economic issues. Third, the economic thinking of these two figures has relevance to the economic policies implemented in Indonesia.]]>
<![CDATA[Konstruksi At-Tas’īr Al-‘Adl dalam Dialektika Pemikiran Ibnu Taimiyah dan Ibnu Khaldun ]]>
<![CDATA[Muzakkir, Muzakkir]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 2, No 2 (2019): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v2i2.6068
<![CDATA[Bisnis modern merupakan realitas yang amat kompleks. Banyak faktor turut mempengaruhi dan menentukan kegiatan bisnis, antara lain faktor organisatoris-manajerial, faktor ilmiah-teknologis dan faktor politik-sosial-kultural. Kompeleksitas bisnis tidak bisa dipahami secara terpisah dari masyarakat yang dalam diri masyarakat itu sendiri terdapat struktur yang kompleks. Dalam konsep Islam, penentuan harga dilakukan oleh kekuatan permintaan dan kekuatan penawaran. Pertemuan keduanya harus didasarkan dan terjadi atas asas rela sama rela, tidak ada pihak yang terpaksa, tertipu atau adanya kekeliruan objek transaksi dalam melakukan transaksi barang tertentu. Bila terjadi hal-hal demikian, maka struktur dan atribut pasar akan menjadi tidak stabil dan berakibat vatal bagi keberlangsungan sistem ekonomi. Jalannya mekanisme pasar sangat mempengaruhi ketentuan harga normal. Peningkatan permintaan cenderung menimbulkan upaya menaikkan harga dan mendorong produsen memperbanyak produksi, namun jika kemampuan produsen dalam menyediakan barang meningkat dan permintaan menurun, maka harga akan turun. Harga seimbang menjadi kondisi terbaik dalam keberlangsungan mekanisme pasar, namun realisasi dari harga normal dan seimbang menjadi kajian penting dalam literasi pemikiran para tokoh seperti Ibnu Taimiyah dan Ibnu Khaldun. Kajian ini berupaya mengekplanasi dan mendeskripsikan gagasan dua tokoh besar pada bidang ekonomi Islam agar bisa menjadi standar dan acuan dalam merealisasikan Al-Tas’īr Al-‘Adl yang sesuai dengan konsep ekonomi Islam.]]>
<![CDATA[Analisis Hukum Islam Terhadap Sertifikat Halal Pada Produk Makanan (Roti) Di Kota Padang ]]>
<![CDATA[Islami, Aufa]]>
<![CDATA[ TAWAZUN: Journal of Sharia Economic Law Vol 5, No 2 (2022): Tawazun: Journal of Sharia Economic Law ]]>
Publisher : <![CDATA[Sharia Faculty Islamic Economic Law Study Department ]]>
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DOI: 10.21043/tawazun.v5i2.14354
<![CDATA[This research is motivated by food entrepreneurs (bread) in the city of Padang who still include the halal label without extending the halal certificate on the food (bread). This study was conducted to find out how the implementation of halal labels on food packaging (bread) in the city of Padang, and to find out how the review of Islamic law regarding the use of halal labels in the city of Padang. This type of research is a field research (field research), the nature of this research is descriptive-analytical. Collecting data using observation and interview methods. Then in processing the data, after collecting the data it will be examined, classified and analyzed the data. By drawing conclusions using a qualitative descriptive research approach. The results of the study show a review of Islamic law regarding the use of halal labels in the city of Padang are: a). The food entrepreneur (bread) has a halal certificate from the LP POM MUI and the halal certificate is still valid and extended, the product being sold or marketed is legal in eating it is halal. b) Food entrepreneurs (bread) have a halal certificate from LP POM MUI but are not valid and do not extend the halal certificate, food products (bread) that are sold or in the market are legal to eat them, c) The law on consuming food (bread) that is not registered and getting a halal certificate becomes doubtful if this is viewed from Islamic law.]]>
