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Jefik Zulfikar Hafizd
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Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 23550805     EISSN : 25494112     DOI : https://doi.org/10.24235
Core Subject :
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah publishes original and recent studies that focus on normative, empirical, and comparative analyses of Sharia economic law and its application across various modern economic sectors in different countries, particularly in Indonesia. The scope of the journal includes: Sharia law in economic activities, trade, the halal industry, and business governance. Regulation of Islamic finance, banking, the Islamic capital market, Islamic fintech, and other financial instruments. Contracts (aqd) from the perspectives of fiqh al-mu‘āmalāt and positive law, including issues of dispute resolution, Sharia compliance, and international regulatory standards. Business ethics and Sharia governance in corporations, financial institutions, and regulatory authorities. Islamic economic thought, legal theory, and interpretive methodologies (ijtihād) within contemporary economic contexts. Judiciary and dispute resolution in Sharia economic matters, including comparative studies between national (Indonesia) and international jurisdictions. Implementation of Sharia economic law in society. The journal encourages multidisciplinary approaches—covering law, economics, finance, and policy studies—provided that the primary analysis remains grounded in the framework of Sharia economic law.
Arjuna Subject : -
Articles 238 Documents
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THE ROLE OF SHARIA FINANCIAL SERVICES IN REDUCING THE RATE OF MIGRANT LABOR Edy Setiawan; Achmad Otong Busthomi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 8 No. 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.15318

Abstract

Abstract This article confirms that Islamic financial services initiate and carry out local economic empowerment in the regions. The study will be carried out in areas that have so far been considered to be major suppliers of Indonesian Migrant Workers (TKI) abroad. One of them is looking at the role of Islamic financial services in the form of the treasury of Money and Finance (BMT) and Sharia cooperatives, which are currently emerging in the community. The role of Islamic financial services in several regions was able to restrain the flow of migration abroad. The method developed is to provide various forms of financial services as business capital.Keywords: Migrant Workers; Sharia Financial Institutions; Sharia Financial Services.
SOLVING CYBER CRIME IN ONLINE BUYING AND SELLING IN CIREBON CITY IN REVIEW OF ITE LAW AND ISLAMIC LAW Didi Sukardi; Farha Bayu Nugraha; Ubaidillah Ubaidillah; Abdul Fatakh; Leliya Leliya; Muhammad Fadel Arrizky
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 8 No. 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.15349

Abstract

AbstractIn the cybercrime crime of online buying and selling fraud, there is a case, one of which occurred in Cirebon City, so the police must solve the online buying and selling fraud cybercrime case. However, in practice, the police experienced several obstacles in its resolution. The method in this study is descriptive qualitative research with a case study approach. The data collection techniques carried out are observation, interviews and documentation. From the results of this study, it is known that the police from the Cirebon City Police, in handling criminal cases of online buying and selling fraud, carried out an investigation process by investigators. The investigation is carried out by checking the accounts of the perpetrators of online buying and selling scams to find evidence and track down the perpetrators. However, the police experienced several obstacles, from the limited special tools in uncovering criminal acts of online buying and selling fraud to the difficulty of finding evidence and tracking the perpetrators. Hence, the Cirebon City Police became less effective in solving online buying and selling fraud crimes.Keywords: Cybercrime; Scams; E-commerce.
SHARIA FINANCIAL LITERACY AND INCLUSION: OPPORTUNITIES AND CHALLENGES Anez Yuniar Pradini; Akhmad Faozan
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 8 No. 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.15406

Abstract

AbstractFinancial literacy and inclusion are indicators of a country's economic growth. If a country's level of financial literacy and inclusion is high, then the country can be said to be a developed country. This research aims to identify opportunities and challenges in efforts to increase the sharia financial literacy and inclusion index. This research uses the Systematic Literature Review (LSR) method with a descriptive approach. The results of this research show that the opportunities for financial literacy and inclusion include; Indonesia's demographic conditions which are dominated by Generation Z and millennials, the 2024 National Digital Transformation Program, high levels of education, the popularity of financial products and services, numerous and widespread sources of information (the presence of finfluencers), increased GDP per capita. Meanwhile, the challenges faced include; the increasing number and complexity of financial products and services, the threat of cyber crime, global economic conditions, the diversity of Indonesia's demographics, and the vastness of Indonesia's territory.Keyword: Financial literacy; Financial Inclussion; Opportunity; Challenge. 
Comparative Analysis of Economic Fiqh in Islamic Financial Transactions: ‎A Review of Literature from Various Madhhabs Mohamad Ghozali; Dedah Jubaedah; Deni Kamaludin Yusup
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.16350

Abstract

This study analyzes the comparative interpretations of Islamic economic jurisprudence (fiqh) in financial transactions across the Hanafi, Maliki, Shafi'i, and Hanbali schools of thought. Employing a descriptive qualitative approach, data were collected from academic literature, official documents, historical sources, and expert interviews. The research focuses on key Sharia financial transactions, including murabahah, mudarabah, musyarakah, ijarah, and sukuk, to explore the diversity of fiqh interpretations. The findings reveal significant differences, with the Hanafi and Maliki madhhabs showing greater flexibility and adaptability to socio-economic contexts, while the Shafi'i and Hanbali madhhabs maintain a stricter adherence to religious texts. These differences impact the design and implementation of Sharia-compliant financial products, influencing how they align with diverse fiqh perspectives. This study concludes that such variations highlight the dynamic and adaptable nature of Islamic economic jurisprudence in addressing diverse socio-economic needs. It underscores the importance of harmonizing interpretations to support the globalization of Islamic finance, ensuring inclusivity and sustainability without compromising Sharia principles. This research provides valuable insights into the role of madhhab diversity in shaping the growth and development of Sharia-compliant financial systems.Keywords: Economic Fiqh, Islamic Financial Transactions, Madhhab Comparison, Sharia Finance.
The Principles of Islamic Business Ethics in the Viral Success of Donat Kampar Galesong: A Review of Islamic Economic Law Hardyansyah Yusuf; Muhammad Kamal Zubair; St Aminah; Mahsyar Mahsyar; Andi Bahri Soi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 10 No. 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.16559

Abstract

This study aims to analyze the implementation of Islamic business ethics principles in the business activities of Donat Kampar Galesong, a growing local brand. The research employs a qualitative descriptive method with a phenomenological approach, focusing on firsthand experiences and perspectives of Donat Kampar Galesong employees. Islamic business ethics principles in this study are classified into three main variables: management ethics, marketing ethics, and environmental ethics. The findings indicate a high level of adherence to these principles, with implementation scores reaching 94.84% for management ethics, 96.48% for marketing ethics, and 95.89% for environmental ethics, leading to an overall average of 95.74%. These results confirm that Donat Kampar Galesong has successfully integrated Islamic business ethics into its operations, demonstrating a strong commitment to the values of justice (al-‘adl), transparency (al-shafafiyyah), and trustworthiness (al-amanah) within the framework of Sharia Economic Law. The study highlights how ethical business practices align with Islamic principles and contribute to sustainable business success. This study guides businesses to apply Islamic ethics, ensuring sustainability and promoting economic justice and social welfare.Keywords: Islamic Business Ethics; Environmental Ethics; Management Ethics; Marketing Ethics, Sharia Economic Law
The urgency of implementing halal product process assistance: Review of maqashid syariah Muhamad Hilmi Al Ghifari; Prima Dwi Priyatno
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 1 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i1.16563

Abstract

Halal food commodities are currently a priority aspect for the Indonesian government, to the point of creating a self-declare scheme intended for micro and small business actors. Since the implementation of the self-declare scheme, it has positively impacted the achievement of the halal certificate target. However, problems also create doubts about the mechanisms implemented in society. Therefore, this article aims to increase assistants' understanding by correlating work procedures with maqashid shariah values. To produce an informative discussion, a qualitative descriptive method with a literature study approach is used in this article. After going through all the research stages, the results were obtained, and the procedures for checking ingredients, processing halal products, and correcting findings were classified as maslahah dharuriyyah. Thus, it can be concluded that all of these stages contain safeguards or protection against the objectives of the sharia (maqashid sharia), especially the hifdz din, hifdz nafs, and hifdz aql points.. Therefore, halal product process assistants must understand and implement the maqashid shariah values to produce performance output that benefits society.Keywords: Maqashid Shariah; Halal Product Process; Self-Declare
Analysis of marketing channels and income of catfish farming business of Sangkuriang Bhakti farm perspective of islamic economic law Farid Al Rizky; Abdul Aziz
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 1 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i1.16578

Abstract

This study aims to analyse the marketing efficiency and income of sangkuriang catfish farming business in Bhakti Farm Ciledug, Tangerang from the perspective of Islamic economic law. The research was conducted from December 2022 to March 2023 using qualitative and quantitative methods through a case study approach and interview techniques with business owners. The results identified two marketing channels, namely: (1) Cultivators - middlemen - large traders - small traders, and (2) Cultivators - small traders. Marketing efficiency analysis showed that both channels were efficient with an EP value of <1, where marketing channel II (Cultivators - small traders) was more efficient with an EP value of 0.075 and a marketing margin of IDR 5,000. In terms of income, production in the harvest period averaged 5,062 kg with production costs of Rp. 58,541,000 and revenue of Rp. 96,178,000 (selling price of Rp. 19,000/Kg). The income received by Bhakti Farm with a pool area of 210 m2 is Rp. 37,596,600, which means TR> TC, so that the sangkuriang catfish farming business at Bhakti Farm is proven to be profitable. In the perspective of Islamic economic law, Bhakti Farm's marketing practices must be transparent, fair, and avoid prohibited elements such as usury, gharar, and maysir. Profits obtained must be halal and not harm other parties. The fish farming business must also be environmentally friendly and provide benefits to the welfare of the surrounding community. In addition, Bhakti Farm is expected to apply Islamic business ethics such as honesty, trustworthiness, and professionalism in running its business.Kata Kunci: Marketing Channel; Marketing Margin; Marketing Efficiency; Production Cost; Islamic Economic Law.
The optimization of muzāra’ah contracts in Islamic financial institutions for alleviating poverty and empowering the community's economy Moh. Hamzah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 1 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i1.16716

Abstract

Poverty is a complex issue that affects various crucial sectors such as education, health, and agriculture. Islamic financial institutions play a significant role in addressing poverty through community empowerment in the agricultural sector. This research aims to examine the contribution of the muzāra’ah contract in economic empowerment and poverty alleviation. The research method used is a conceptual approach. The results show that the use of the muzāra’ah contract by Islamic financial institutions significantly contributes to reducing poverty in the agricultural sector. Additionally, Everett Rogers' Diffusion of Innovation theory can be used to enhance community understanding and acceptance of Islamic financial products. These findings make an important contribution to academic literature and offer effective strategies for economic empowerment through Islamic financial institutions.Keywords: Muzāra’ah; Economic Empowerment; Poverty; Sharia Financial Institutions.
The impact of social media on intellectual property law Fatin Hamamah; Munaji Munaji; Erna Erna; Sukama Sukama; Marhendi Marhendi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 1 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i1.16747

Abstract

In the digital era, social media has revolutionized the way we communicate and interact, having a significant impact on intellectual property (IP) law. Social media platforms such as Facebook, Twitter, Instagram, and TikTok have blurred the lines between private and public spaces, creating new challenges in implementing and enforcing IP laws. This research aims to explore various legal strategies the importance of legal awareness education among social media users, and the role of technology in supporting intellectual property law enforcement. The research method used is a normative research method to investigate the impact of social media on intellectual property law. The results of the analysis show that social media influences the perception and application of IP law, including issues of privacy and the management of personal and social boundaries. A deep understanding of the dynamics of social media and IP law is critical to ensuring copyright and intellectual property protection in an increasingly connected world. The importance of intellectual property law in the digital era lies not only in the protection of copyrights and patents but also in the adaptation and evolution of the law to address new challenges arising from technological developments. Intellectual property law in today's digital era cannot be ignored. In the digital era that continues to develop, technology has become the main factor influencing change in society, including in the legal aspect.Keywords: Social Media, Copyright, Intellectual Property.
Basic Needs as the Foundation of Consumer Behavior: An Analytical Study of Al-Ghazali's Thought Setiawan Bin Lahuri; Euis Nurkholifah; M. Ridlo Zarkasyi; Soritua Ahmad Ramdani Harahap
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.16764

Abstract

Consumer behavior that has a lot of consumptive tendencies makes this pattern incompatible with consumption in the Islamic economics. Society has the ideology of consuming excessively, unknowingly, and sustainably. Purchases of goods are only based on desires and do not consider needs, so it is necessary to enforce consumption patterns so that they do not fall into the excessive category. The research methodology used is a literature study method by conducting an in-depth reading analysis of various references related to consumer behavior, especially examining various existing literature works. Researchers reviewed several books written by Al Ghazali and several related figures to obtain additional analysis in this research. The results of this research indicate that the consumption theory according to Al Ghazali is not only oriented to satisfaction. Consumption in Islam is more to make people more obedient in worship. Humans are not required to meet their needs sporadically but must comply with sharia principles. Other important things by paying attention to halal, good and mashlahah for the goods they consume.  Keywords: Consumer behavior, Islamic Economics, Society, Al-Ghazali

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