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INDONESIA
MIZANUNA: Jurnal Hukum Ekonomi Syariah
Published by Sekolah Tinggi Agama islam Nida El-Adabi
ISSN : -     EISSN : 29866642     DOI : https://doi.org/10.59166/mizanuna
Core Subject :
MIZANUNA: Jurnal Hukum Ekonomi Syariah merupakan jurnal yang diterbitkan oleh Prodi Hukum Ekonomi Syariah (HES) - STAI Nida El-Adabi Bogor, bekerjasama dengan LP2M STAI Nida El-Adabi Bogor. MIZANUNA memiliki fokus pada bidang Ilmu Hukum Islam dan Illmu Ekonomi Syariah.
Arjuna Subject : -
Articles 40 Documents
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PENGARUH PENGGUNAAN APLIKASI DIGITAL TERHADAP MINAT PEMAKAIAN BCA SYARIAH MOBILE: Studi Kasus Bank BCA KCU Tanjung Priok Rafika Surya Utami; Indah Suwarni; Ade Fajar
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 2 No 2 (2024): Desember 2024
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v2i2.243

Abstract

This research focuses on implementing the phenomenon of digitalisation development considering the high existence of the development of digital banking applications. This study aims to determine the influence of the use of Digital Applications on customer interest in using BCA Syariah Mobile at BCA KCU Tanjung Priok. The theory used in this study is S-O-R Theory and Uses and Effect Theory with the concept of application exposure, interest and mobile banking. This study uses a quantitative approach with a survey method. The data analysis used is a simple linear regression analysis with the help of SPSS 25.0 for Windows software. The results of the study showed that it had a normal distribution. Based on the correlation test, a value of 0.742 was obtained, that the X and Y variables have a very strong relationship. The hypothesis test showed that the use of the Digital Application had a positive effect on the interest in using BCA Syariah Mobile among BCA KCU Tanjung Priok customers with a significance of 0.000 or < out of 0.05 based on the determination coefficient test of 55.1% interest in using BCA Syariah Mobile while the remaining 44.9% was influenced by other variables that were not the focus of the study.
PANDANGAN HUKUM ISLAM TERHADAP GOLPUT: Studi Analisis Fiqih Siyasah Muhammad Amirul Huda; Zaimul Asroor
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 2 No 2 (2024): Desember 2024
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v2i2.245

Abstract

Indonesia has held elections for Presidential Elections, Legislative Elections, and Regional Head Elections directly. However, there is an attitude that does not support the election system, known as *G*olongan *P*utih (Golput). Among the reasons for those who decide to abstain are because they do not believe in (liberal) democratic mechanisms, religious fundamentalism, other political-ideological reasons, or do not believe that elections will bring change and improvement. This research aims to discuss how the law of abstention from the perspective of fiqh siyasah. The method used is descriptive qualitative by collecting the opinions of politicians and religious leaders. As a result, abstention for some of the reasons above is haram. The reason is because it shows their indifference to the fate of the country. More than that, Islamic law requires appointing leaders and considering the benefit of the country.
PERLINDUNGAN HUKUM TERHADAP SAKSI DALAM TINDAK PIDANA PEMBUNUHAN DI WILAYAH HUKUM POLRES BENGKULU Mardiansyah; Ependi; Addy Candra
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 1 (2025): Juni 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i1.306

Abstract

In law enforcement, victims and witnesses often do not receive adequate protection from the state, whether in terms of physical safety, financial support, or assistance during the legal process. Meanwhile, offenders often receive special treatment to ensure smooth legal proceedings. This study addresses two main questions: whether legal protection for witnesses in murder cases within the Bengkulu Police jurisdiction complies with Law No. 31 of 2014, and what challenges are faced in its implementation. Using a socio-legal approach, the study finds that witness protection is generally in line with the law, including the ability to testify without pressure, access to case information, transportation cost reimbursement, and legal assistance. However, obstacles remain, such as fear among witnesses and lack of knowledge about their legal rights. Therefore, stronger protection and better legal education for witnesses are needed to support a fair and effective justice process.
INVESTASI DALAM SUKUK DAN SAHAM SYARIAH: Tinjauan Hukum Ekonomi Syariah Di Pasar Modal Indonesia Evi Mutiara Marpaung; Baidhowi
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 1 (2025): Juni 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i1.307

Abstract

This study aims to examine the regulations and legal aspects related to investment in Islamic capital market instruments in Indonesia, especially sukuk (Islamic bonds) and Islamic stocks, from the perspective of Islamic economic law. The Islamic capital market has been growing rapidly, especially in Muslim-majority countries such as Indonesia. By using a qualitative research method through a literature study, this research analyzes various literatures and previous studies in order to gain a deeper understanding of the validity of investing in these Islamic instruments. The results show that investment in sukuk and sharia stocks is permissible in Islam as long as it fulfills the established sharia principles. This conclusion is supported by various previous studies and strengthened by the Fatwa of the National Sharia Council-Majelis Ulama Indonesia (DSN-MUI) which regulates the Islamic capital market. In addition, there are postulates in Islamic law that emphasize the permissibility of investing in these instruments, provided that they do not contain elements of usury, gharar (uncertainty), and maysir (speculation). With clear regulations and support from Islamic financial authorities, sukuk and Islamic stocks can be an alternative investment that is not only economically beneficial but also in accordance with Islamic principles.
ANALISIS HUKUM EKONOMI SYARIAH TERHADAP INVESTASI SAHAM SYARIAH DI BURSA EFEK INDONESIA Yuliana Munthe; Baidhowi
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 1 (2025): Juni 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i1.308

Abstract

The delay in insurance claim payments has become a crucial issue for policyholders, particularly in cases involving insurance companies such as Bumiputera. This situation creates legal uncertainty and has the potential to harm the rights of policyholders. This study aims to analyze the legal protection and safeguards provided to policyholders in facing the liquidity constraints of insurance companies. Using a normative juridical research method, this study refers to the applicable laws and regulations, including Law Number 40 of 2014 on Insurance and Law Number 4 of 2023. The research findings indicate that several legal instruments can provide protection for policyholders, such as supervision by the Financial Services Authority (OJK) and provisions regarding guarantee funds. However, the implementation of these regulations still faces various challenges, including the ineffectiveness of dispute resolution mechanisms and delays in intervention against insurance companies experiencing liquidity issues. Therefore, it is necessary to strengthen regulations and establish a more responsive legal protection mechanism to ensure that the rights of policyholders remain safeguarded in situations of uncertainty regarding insurance claim payments.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PENERAPAN SUKU BUNGA PADA E-COMMERCE: Studi Kasus Shopee Paylater Eva Rutnauli Sinaga; Baidhowi
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 1 (2025): Juni 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i1.310

Abstract

This research aims to analyze the imposition of interest rates in phased payment services (PayLater) on e-commerce platforms, especially on Shopee PayLater, from the perspective of Islamic economic law. In the Islamic economic system, practices involving interest (riba) are considered incompatible with the principles contained in the Qur'an and hadith, which prioritize fairness and transparency in financial transactions. Therefore, this research examines whether the imposition of interest rates in the Shopee PayLater service fulfills the principles of sharia law or is contrary to the applicable provisions. This research uses a qualitative approach by analyzing literature related to sharia economic law, as well as regulations governing financial transactions in the digital context. The results of this study indicate that the practice of interest rates on Shopee PayLater can be categorized as usury, which is contrary to sharia economic principles. In addition, there are several aspects that need to be improved to harmonize e-commerce business practices with sharia values. This research is expected to contribute to the development of e-commerce policies and practices that are more in line with sharia economic law.
BISNIS DALAM PERSPEKTIF FIQH MUAMALAH: Analisis Teoritis Terhadap Prinsip Syariah Dalam Praktik Ekonomi Kontemporer Luthfi Rantaprasaja; Diah Fachrunisa
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 1 (2025): Juni 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i1.312

Abstract

This article explores the concept of business from the perspective of fiqh muamalah, a branch of Islamic jurisprudence that governs economic and commercial activities. The study aims to identify the essential principles of Islamic business ethics, analyze their relevance in contemporary business practices, and address the challenges faced by Muslim entrepreneurs today. Using a qualitative methodology through literature review, this study draws from classical Islamic sources such as the Qur’an and Hadith, along with contemporary scholarly interpretations, to develop a theoretical framework for Shariah-compliant business conduct. The findings indicate that honesty, justice, prohibition of riba (usury), avoidance of gharar (uncertainty), and social responsibility are foundational values in Islamic business. These principles not only offer ethical foundations but also contribute to sustainable economic systems. The discussion also addresses the symbolic vs. economic impact of Islamic business ethics in modern capitalist environments. This article contributes to enriching Islamic economic discourse by affirming the validity and applicability of fiqh muamalah in today’s business world.
ANALISIS PENGARUH KORUPSI, PERTUMBUHAN EKONOMI DAN PENGANGGURAN TERHADAP TINGKAT KEMISKINAN DI INDONESIA Merry Wulandari
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 1 (2025): Juni 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i1.314

Abstract

Abstract This study examines the impact of the Corruption Perceptions Index (CPI), Economic Growth, and Unemployment Rate on the Poverty Rate in Indonesia from 2008 to 2024. Utilizing time-series data and linear regression analysis, the research aims to uncover the relationships between these variables and their collective influence on poverty levels. The findings reveal that CPI has a significant negative effect on poverty, indicating that reducing corruption can lead to lower poverty rates. Unemployment shows a nearly significant positive effect, suggesting that higher unemployment exacerbates poverty, while Economic Growth does not exhibit a statistically significant impact in the model. The regression model explains 86.22% of the variation in poverty rates, highlighting its robustness, though autocorrelation issues were identified and warrant further attention. The study underscores the critical role of combating corruption and addressing unemployment as key strategies for poverty alleviation. While Economic Growth alone may not directly reduce poverty, fostering inclusive growth remains essential for long-term poverty reduction. Policy recommendations include enhancing transparency and accountability in public budget management, promoting labor-intensive economic sectors, and implementing skill development programs to reduce unemployment. These measures are vital for breaking the cycle of poverty and achieving sustainable development in Indonesia.
DIGITALISASI DAN INOVASI DALAM SISTEM OPERASIONAL LEMBAGA KEUANGAN SYARIAH BMT MEKAH BOJONEGORO: Peluang dan Tantangan Meysa Afriska Dewi; Eko Arief Cahyono; Karomatul Hidayah
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 2 (2025): Desember 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i2.321

Abstract

Digital transformation has become an urgent necessity for Islamic Financial Institutions (LKS), including Baitul Maal wat Tamwil (BMT), in responding to technological developments and the demand for more efficient financial services. This study aims to analyze the implementation of digitalization in the operational system of BMT MEKAH Bojonegoro, identify the strategic opportunities it offers, and explore the challenges encountered during the transformation process. This research employs a qualitative descriptive approach, using data collected through observation, in-depth interviews, and documentation studies. The findings indicate that digitalization, marked by the launch of the BMT MEKAH Barokah mobile application, has successfully enhanced transparency, operational efficiency, and member trust. The innovation in Islamic financing, particularly through murabahah contracts, provides inclusive and Sharia-compliant financial solutions for micro-entrepreneurs. However, challenges such as low digital literacy, regulatory limitations on cooperatives, and uneven infrastructure remain significant obstacles. Therefore, digital transformation at BMT MEKAH presents substantial potential as a means of empowering the ummah’s economy, provided it is supported by appropriate policies, enhanced human resource capacity, and a strong commitment to Sharia values in institutional operations.
ANALISIS PRINSIP LARANGAN GHARAR DAN IMPLEMENTASINYA DALAM JUAL BELI ONLINE MENURUT PERSPEKTIF HUKUM EKONOMI ISLAM Ika Rahmawati; Diyah Ayu Saputri; Muhammad Badaruzzaman
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 2 (2025): Desember 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i2.399

Abstract

The rapid development of digital technology has brought about a significant transformation in economic activities, particulary throught the emergence of various online shopping methods that offer convenience, speed, flexibility for consumers. However, these benefits also introduce the potential for uncertainty (gharar), which may harm one of the parties involved in the transaction. This study aims to examine the implementation of the principle of gharar prohibition in three types of online transaction: marketplace, social comerce, and pre-order (PO) systems. The methodology employed in this research in qualitative, using a libarary research approach that draws on academic journals and DSN-MUI fatwas as contemporery normative references. The findings indicate that marketplaces tend to minimize gharar due to product descriptions, customer reviews, return policies, and escrow systems, although issues such as product mismatch and delivery delays still occur. In social commerce, the risk of gharar is significantly higher due to the lack of customer protection and the frequent occurrence of fraud resulting from direct payments to sellers. Meanwhile, in pre-order systems, uncertainly regarding production time, delivery schedules, and product spesifications makes this model susceptible highlights the importance of clear contractual agreements, transparency of information, and consumer protection to ensure that online buying and selling transactions align with Islamic prinsiples.

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