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Adam Mudinillah
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Jorong Kubang Kaciak Dusun Kubang Kaciak, Kelurahan Balai Tangah, Kecamatan Lintau Buo Utara, Kabupaten Tanah Datar, Provinsi Sumatera Barat, Kodepos 27293
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Sharia Oikonomia Law Journal
Published by Yayasan Adra Karima Hubbi
ISSN : 29885191     EISSN : 29885205     DOI : 10.70177/solj
Core Subject :
The Sharia Oikonomia Law Journal explores various aspects of Sharia economic law and the evolving economic challenges. Its primary focus includes the impact of digital transformation on Islamic finance, such as fintech and blockchain, as well as the role of Sharia financial instruments (zakat, waqf, sukuk) in achieving sustainable development goals. The journal also addresses the harmonization of Sharia economic law with national legal systems, Islamic business ethics, and social finance in promoting economic inclusion. Furthermore, it examines the application of Sharia economic systems in emerging markets and the role of Sharia finance in crisis management. With an interdisciplinary perspective, Sharia Oikonomia Law Journal aims to be a leading reference for academics, practitioners, and policymakers in the field of Sharia economic law.
Arjuna Subject : -
Articles 102 Documents
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INTEGRATING BLOCKCHAIN TECHNOLOGY INTO WAQF MANAGEMENT FOR ENHANCED TRANSPARENCY AND GLOBAL SOCIAL INCLUSION Ryan Teo; Rania Al-Mohammed; James Njoroge; Dodi Setiawan Riatmaja
Sharia Oikonomia Law Journal Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i2.3632

Abstract

The growing demand for transparency and accountability in Islamic social finance has intensified attention on waqf management systems, which continue to face challenges related to governance inefficiencies, limited public trust, and restricted global participation. Rapid advancements in digital technology, particularly blockchain, offer new opportunities to address these issues through decentralized, secure, and verifiable systems. This study aims to examine the potential of blockchain technology in enhancing transparency and promoting global social inclusion within waqf management. A qualitative research design combining doctrinal analysis and comparative evaluation is employed, utilizing secondary data from regulatory documents, institutional reports, and blockchain-based case implementations. Data are analyzed through thematic coding and comparative matrices to identify patterns and assess the effectiveness of technological integration. The findings reveal that blockchain significantly improves transparency, accountability, and donor participation by enabling immutable record-keeping and real-time tracking of waqf assets. Evidence also indicates that digital accessibility facilitated by blockchain expands cross-border engagement, strengthening the inclusivity of waqf systems. The study concludes that integrating blockchain into waqf management provides a viable pathway for modernizing Islamic philanthropic institutions, ensuring sustainable governance while enhancing global social impact.
THE RECONSTRUCTION OF ISLAMIC FAMILY LAW FROM THE PERSPECTIVE OF MAQASHID AL-SHARIA Syukrawati Syukrawati; Eva Ardinal; Nadiah Ismail
Sharia Oikonomia Law Journal Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i2.3686

Abstract

This study stems from the ongoing social changes and transformations in Islamic family law, which necessitate normative reform to align with the principles of maqashid al-sharia. The objective of this study is to examine the role of the concept of maqashid al-sharia as a foundation for the reconstruction of Islamic family law, while also formulating a direction for legal development that is more adaptive to the needs of modern society. This study employs a qualitative method with a juridical-normative approach through a literature review encompassing fiqh literature, statutory regulations, and the thoughts of contemporary scholars, which are subsequently analyzed descriptively and analytically. The research findings indicate that the reconstruction of Islamic family law based on maqashid syariah is capable of strengthening the aspect of public interest by prioritizing the protection of religion, life, intellect, lineage, and property, thereby making family law more flexible and responsive to social dynamics without abandoning the fundamental principles of Sharia. In the discussion, the maqashid syariah approach is viewed as providing a broader scope for ijtihad in the process of renewing Islamic family law, particularly regarding marriage, divorce, and women’s rights, while maintaining a balance between normative texts and evolving social realities. The conclusion of this study confirms that the reconstruction of Islamic family law based on the maqashid al-sharia is an urgent necessity for the realization of a legal system that is more just, humane, and relevant to the demands of the times.  
BUILDING RESILIENCE FROM AN EARLY AGE: AN ANALYSIS OF THE FORMS AND FACTORS OF CHILDREN'S ADAPTATION IN THE BATUSANGKAR MARKET ENVIRONMENT Resti Yulia; Zifnil Afifah; Angraini Daboti; Restu Yuningsih; Meliana Sari; Lany Fitri
Sharia Oikonomia Law Journal Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i2.3846

Abstract

This study examines the phenomenon of early childhood adaptation within the complex and dynamic environment of Batusangkar Market. The market environment, with its unique social interactions and emotional stimuli, serves as a distinctive arena for children to develop adaptive capacities. This research contributes to the understanding of how stimulation-rich non-formal environments can shape children's adaptive abilities. The objective is to describe the forms of adaptation and the formative factors of adaptive capacity among early childhood children in the market. This qualitative descriptive case study positions the researcher as the key instrument. Informants, including children active in the market, parents, and traders, were selected through purposive sampling. Data were collected through participant observation, unstructured interviews, and documentation. Data analysis followed the Miles and Huberman model (reduction, display, and verification/conclusion). Data validity was ensured through technical triangulation (observation, interviews, and documentation) and the alignment of findings with reduction tables. The results indicate that early childhood adaptation in the market is formed through the synergy of early habituation, parental education and supervision, modeling, social interaction, and experiential learning. Prominent forms of adaptation include psychosocial and emotional, physical and sensory, behavioral and normative, as well as operational and autonomy. These findings enrich the literature on child developmental psychology, particularly regarding adaptation in dynamic social environments, and offer practical implications for the development of intervention programs. Batusangkar Market is proven effective in fostering independence and adaptive resilience in early childhood.
INTEGRATING ZAKAT AND WAQF FOR POVERTY ALLEVIATION THROUGH SUSTAINABLE MICROFINANCE PROGRAMS Syarifuddin Syarifuddin; Sharmin Sultana; Imran Rahman
Sharia Oikonomia Law Journal Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i2.3862

Abstract

Poverty remains a critical challenge in many Muslim-majority communities, where conventional welfare and microfinance programs often fail to achieve sustainable economic empowerment. Islamic social finance instruments, including zakat and waqf, offer alternative mechanisms to address both immediate needs and long-term income generation. Integration of these instruments within microfinance programs presents an opportunity to create ethically aligned, sustainable interventions for economically marginalized households. The study aims to evaluate the effectiveness of combined zakat-waqf microfinance programs in enhancing household income, savings, and asset accumulation, while assessing institutional governance and operational sustainability. The research seeks to provide evidence-based guidance for designing integrated Islamic social finance initiatives that promote long-term poverty alleviation. A mixed-methods approach was employed, including quantitative assessment of 150 participating households, analysis of financial records, and qualitative interviews with beneficiaries and program administrators. Statistical analyses, including income growth measurement, savings accumulation, and repayment performance, were combined with thematic evaluation of governance and operational challenges to provide a comprehensive assessment of program impact. Results indicate that integrated zakat-waqf programs significantly increase household income by 25–28%, improve productive asset acquisition, and maintain high repayment rates above 92%. Findings demonstrate that combining short-term relief and long-term investment creates sustainable poverty alleviation. Integrated programs enhance financial inclusion, empower beneficiaries, and provide a replicable model for ethical microfinance.
THE EFFECTIVENESS OF SHARIA MICROFINANCE INSTITUTIONS IN PROMOTING ECONOMIC INCLUSION FOR SMES Ahmadi Ahmadi; Ali Khan; Fatima Malik
Sharia Oikonomia Law Journal Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i2.3981

Abstract

Small and Medium Enterprises (SMEs) play a crucial role in economic growth, employment creation, and poverty reduction; however, many continue to face financial exclusion due to limited access to formal financial services. Conventional financial institutions frequently impose collateral requirements and lending conditions that restrict financing opportunities for small business owners. Sharia Microfinance Institutions (SMFIs) have emerged as alternative financial intermediaries that provide Sharia-compliant financing and developmental support aimed at enhancing economic inclusion. This study aims to evaluate the effectiveness of Sharia Microfinance Institutions in promoting economic inclusion among SMEs and to examine the factors that influence inclusion outcomes. A quantitative research design was employed involving 400 SME owners who participated in Sharia microfinance programs. Data were collected through structured questionnaires and analyzed using Structural Equation Modeling (SEM). Findings indicate that access to Sharia financing, institutional trust, financial literacy support, and business development assistance significantly contribute to economic inclusion. Access to Sharia-compliant financing emerged as the strongest predictor of inclusion, while non-financial services such as entrepreneurial training and financial education enhanced the effectiveness of financing interventions. Increased participation in Sharia microfinance programs was associated with improved financial access, business expansion, income growth, and entrepreneurial empowerment. The study concludes that Sharia Microfinance Institutions function as comprehensive development partners that promote sustainable economic inclusion through the integration of ethical financing principles, capacity building, and business support services for SMEs.
DEVELOPING A CRISIS MANAGEMENT MODEL FOR SHARIA BANKING BASED ON ISLAMIC JURISPRUDENCE Siti Mahmudah; Ahmed Al Fahad; Fatimah Al Rashid
Sharia Oikonomia Law Journal Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i2.3982

Abstract

Increasing uncertainty in the global financial environment has intensified the need for effective crisis management frameworks capable of strengthening institutional resilience and ensuring sustainable organizational performance. Sharia banking institutions face unique challenges during crises because operational decisions must comply not only with regulatory requirements but also with Islamic legal and ethical principles. Existing crisis management models are predominantly derived from conventional management theories and often provide limited guidance regarding the integration of Islamic jurisprudential principles into crisis preparedness, response, and recovery processes. This study aims to develop and validate a crisis management model for Sharia banking institutions based on Islamic jurisprudence. A mixed-methods research design was employed using an exploratory sequential approach. Qualitative data were obtained through expert interviews and analysis of Islamic jurisprudential sources, while quantitative data were collected from 320 professionals working in Islamic banking institutions. Structural Equation Modeling was utilized to evaluate the proposed framework. Findings reveal that Sharia compliance governance significantly enhances crisis preparedness, ethical decision-making, stakeholder protection, organizational resilience, and recovery capacity. Ethical decision-making emerged as a critical mediating factor linking jurisprudential principles to resilience outcomes. Results further indicate that concepts such as maslahah, darurah, amanah, and harm prevention provide practical guidance for crisis management within Islamic banking contexts. The study concludes that Islamic jurisprudence offers a comprehensive foundation for developing resilient, ethical, and stakeholder-oriented crisis management systems capable of strengthening governance quality and long-term institutional sustainability in Sharia banking.
THE IMPLEMENTATION OF SHARIA COMPLIANCE AUDITS IN IMPROVING CORPORATE INTEGRITY AND PERFORMANCE Izzul Ashlah; Amin Zaki; Faisal Razak
Sharia Oikonomia Law Journal Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i2.3983

Abstract

Increasing demands for transparency, accountability, and ethical governance have intensified the need for effective audit mechanisms within Sharia-compliant organizations. Sharia compliance audits have emerged as an important governance instrument designed to ensure that organizational activities, financial transactions, and operational practices adhere to Islamic principles while supporting sustainable organizational performance. Growing expansion of Islamic financial institutions and Sharia-oriented enterprises has heightened interest in understanding the broader impact of Sharia auditing beyond regulatory compliance. This study aims to examine the implementation of Sharia compliance audits and evaluate their effectiveness in improving corporate integrity and organizational performance. A quantitative research design was employed involving 350 managers, internal auditors, compliance officers, Sharia supervisory board members, and senior administrators from various Sharia-compliant institutions. Data were collected through structured questionnaires and analyzed using Structural Equation Modeling (SEM). Findings indicate that Sharia compliance audit implementation significantly enhances corporate integrity by strengthening transparency, accountability, ethical conduct, and stakeholder trust. Results further reveal that effective audit implementation positively influences organizational performance, including operational efficiency, institutional sustainability, and stakeholder confidence. Corporate integrity was found to partially mediate the relationship between audit implementation and organizational performance, highlighting its strategic role in governance effectiveness. The study concludes that Sharia compliance audits function as comprehensive governance mechanisms that contribute not only to regulatory adherence but also to integrity enhancement and sustainable organizational performance within Sharia-oriented institutions.
CONFLICT MANAGEMENT IN MUSLIM FAMILIES AS A MEANS OF PREVENTING DIVORCE FROM THE PERSPECTIVE OF ISLAMIC FAMILY LAW Ike Yulisa; Rachel Chan
Sharia Oikonomia Law Journal Vol. 4 No. 3 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i3.3997

Abstract

The rising divorce rate among Muslim families indicates that domestic conflicts have not been effectively managed in accordance with the principles of Islamic family law. Conflicts stemming from economic factors, communication, gender roles, and differences in religious values often escalate into prolonged disputes that lead to divorce, even though Islam regards divorce as a last resort. This study aims to analyze the concepts and practices of conflict management in Muslim families from the perspective of Islamic family law as a preventive measure against divorce. The study employs a library research method with a descriptive qualitative approach. Data is sourced from classical and contemporary fiqh literature, academic journals, scholarly works, and Islamic family law regulations. Analysis is conducted using content analysis techniques to systematically examine the relationship between the normative principles of Islamic family law and strategies for managing family conflicts. Research findings indicate that Islamic family law possesses a comprehensive normative framework for conflict resolution, encompassing the principles of ishlah (reconciliation), musyawarah (deliberation), and justice ('adl), as well as the mechanisms of nasihat (counseling) and tahkim (family arbitration). This framework has the substantive potential to serve as a preventive tool against divorce. However, its full realization is hindered by a lack of understanding and implementation in the daily lives of Muslim families. The gap between ideal norms and actual practices is the root of the problem that must be addressed through educational and institutional approaches. This study confirms that conflict management based on Islamic family law plays a strategic role in reducing divorce rates and strengthening the resilience of Muslim families. These findings are expected to contribute to the development of Islamic family law that is more responsive to the dynamics of contemporary family conflicts.
REGULATORY CONVERGENCE OR DIVERGENCE? A COMPARATIVE ANALYSIS OF SHARIA ECONOMIC DISPUTE RESOLUTION IN INDONESIA, MALAYSIA, AND THE GCC Muhammad Wahid Cahyana; Rika Novitasari; Tikka Dessy Harsanti; Meera Gupta
Sharia Oikonomia Law Journal Vol. 4 No. 3 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i3.4087

Abstract

Sharia economic dispute resolution is a critical component of Islamic finance, with varying institutional frameworks and procedural approaches across Southeast Asia and the Gulf Cooperation Council (GCC) states. Differences in tribunal specialization, arbitration adoption, and procedural codification create both convergence and divergence in dispute management practices. This study aims to provide a comparative analysis of Sharia economic dispute resolution mechanisms in Indonesia, Malaysia, and selected GCC countries, identifying patterns of regulatory alignment, institutional effectiveness, and procedural standardization. A qualitative-dominant research design was employed, combining doctrinal legal analysis, evaluation of tribunal guidelines, review of case law, and semi-structured expert interviews. Data were synthesized to assess tribunal specialization, resolution duration, arbitration use, and procedural compliance across jurisdictions. Results indicate that Malaysia and GCC states exhibit higher tribunal specialization, faster case resolution, greater adoption of arbitration frameworks, and more standardized procedures compared to Indonesia. Indonesia demonstrates longer case durations, lower procedural codification, and limited tribunal specialization, highlighting areas of regulatory divergence. The study concludes that regulatory convergence is partially evident between Malaysia and GCC, while Indonesia represents a divergent model, emphasizing the role of institutional design, procedural codification, and arbitration mechanisms in effective Sharia dispute resolution. Findings offer implications for harmonization initiatives, capacity building, and cross-border policy coordination in Islamic finance.
THE EFFECTIVENESS OF LEGAL PROTECTION FOR DEBTORS IN COLLATERAL EXECUTION: AN EMPIRICAL STUDY OF CREDIT AGREEMENTS AT KREDITPLUS FINANCE MADIUN BRANCH Inggit Septiyanto Noer Oemahati; Anik Tri Haryani; Krista Yitawati
Sharia Oikonomia Law Journal Vol. 4 No. 3 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i3.4094

Abstract

This study aims to comprehensively analyze the forms of legal protection for debtors regarding the imposition of late payment penalties in non-performing vehicle financing cases at the Madiun Branch of Kreditplus Finance. Using empirical legal research with a descriptive qualitative approach, the study reveals that legal protection is realized through preventive mechanisms, such as contract clause transparency, due date notifications, and credit restructuring, as well as repressive mechanisms via internal complaints, Financial Services Authority (OJK) mediation, and litigation. However, the implementation of this protection faces significant obstacles in the field. These obstacles include low debtor legal awareness, the dominance of unbalanced standard contracts, vulnerable economic conditions of the community, and technical banking operational constraints. In conclusion, although consumer protection regulations are available, the debtor's bargaining position in practice remains weak due to information asymmetry. Therefore, simplifying contract information and enhancing substantive oversight by the OJK are necessary to achieve justice and a sustainable balance of rights and obligations between creditors and debtors in the financial services sector.

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