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ASAS : Jurnal Hukum Ekonomi Syariah

asas
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Published by Universitas Islam Negeri Raden Intan Lampung

ISSN : 19791488 EISSN : 27228681 DOI : https://dx.doi.org/10.24042/asas.v12i2.8272

Core Subject : Religion, Economy, Social,

Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

Asas (ISSN 1979-1488 E-ISSN:2722-8681) is a biannual journal (June and December), published by Faculty of Sharia, State Islamic University of Raden Intan Lampung, INDONESIA. Asas emphasizes Scientific Journal of Syari’ah Economic Law studies and communicates researches related to Syari’ah Economic Law studies As an academic journal Asas by the State Islamic University of Raden Intan Lampung. The purpose of this journal publication is of disseminate the latest theories and research results from all aspects that have been achieved in the fields of Syari’ah Economic Law. This journal publishes useful works through a systematic process and can be accessed free of charge. Asas is indexed by: DOAJ; Crossref; Moraref; ROAD; Garuda; Google Scholar; CiteFactor; Academic Scientific Journals; Academia.edu; Mendeley; ISSUU; LIPI: Indonesian Publication Index; DRJI: Directory of Research Journals Indexing; ISSUU index; Cosmos Impact Factor; ISJD: Indonesian Scientific Journal Database, Grammarly.

Arjuna Subject : Umum - Umum

Articles 312 Documents

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Scratch Card Transactions with Prizes from an Islamic Legal Perspective: A Study in Dekatagung Village, Gresik Nuruz Zakiyah; Ainun Barakah; Hanief, Azril
ASAS Vol. 17 No. 01 (2025): Asas, Vol. 17, No. 01 Juni 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

The phenomenon of buying and selling prize scratch cards, which is rampant in Dekatagung Village, Sangkapura District, Gresik Regency, has attracted public attention because it offers entertainment and the opportunity for prizes. However, it raises issues when examined from an Islamic legal perspective. Therefore, the focus of this article is on the validity of prize scratch card transactions from an Islamic legal perspective. The purpose of this article is to analyze the validity of prize scratch card transactions from an Islamic legal perspective in Dekatagung Village, Sangkapura District, Gresik Regency. The research used field research, qualitative methods with a descriptive approach, and data collection techniques through interviews and direct observation in the field. The results indicate that these transactions contain elements of uncertainty and gambling, which are prohibited in Islam. This practice also has a negative impact on the socio-economic aspects of the community. This research is the first field study in Dekatagung Village to specifically examine this practice from an Islamic legal perspective. The implications of this research demonstrate the importance of Islamic economic education and supervision of similar buying and selling practices in the community. This research contributes to the preparation of local fatwas regarding transactions containing elements of gharar and maysir, particularly in the context of local culture.

Repositioning Interest Sharing and Profit Sharing in Islamic Finance Implications of Big Data in the Era of Disruption Nabila Novita , Akne; Fauzi, Ahmad; Wildan Sholihi , Ahbib
ASAS Vol. 17 No. 01 (2025): Asas, Vol. 17, No. 01 Juni 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

This study examines Islamic economic law in the era of digital disruption, focusing on issues of interest, profit-sharing systems, and the use of big data in Islamic finance. The key question is how Islamic economic law can remain relevant to technological developments while upholding justice, transparency, and compliance with maqasid al-sharia. Using the library research method with a normative-juridical approach, this study reviews the Qur'an, hadith, fiqh literature, national regulations, and fatwas. The findings suggest that revenue sharing offers a fairer mechanism compared to interest, while big data can improve transparency and efficiency if managed ethically. The study concludes that digitalization can increase the legitimacy of Islamic finance, as long as it is supported by proper data governance and in line with Islamic values.

Transformasi Tradisi Ekonomi Islam: Perspektif Sosiologi dan Antropologi pada Pasar Modal Syariah di Indonesia Tri Cahyani , Putri; Rizaludin, Rizaludin; Cahyani, Putri Tri; Abdal, Abdal; Arifin, Tajul
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

The development of the Islamic capital market in Indonesia reflects the transformation of Islamic economic practices in response to social, cultural, and modern economic system dynamics. This transformation is not merely related to normative compliance with Sharia principles but also involves social and cultural processes that shape how Muslim communities interpret and engage with contemporary economic activities. This study aims to analyze the transformation of Islamic economic practices within the Indonesian Islamic capital market from sociological and anthropological perspectives. The research employs a qualitative method using a literature review approach, involving an analysis of Islamic economics literature, economic sociology, economic anthropology, as well as regulations and practices governing the Islamic capital market. The findings indicate that the Islamic capital market in Indonesia has evolved as a social institution that internalizes Islamic ethical values within modern market mechanisms, particularly through regulatory frameworks, Sharia-compliant stock screening mechanisms, and financial instrument innovation. From a sociological perspective, the Islamic capital market contributes to the formation of new social norms and social legitimacy in the investment activities of Muslim communities. Meanwhile, from an anthropological perspective, this transformation reflects processes of cultural adaptation and the construction of contextual Islamic economic symbols without detaching from religious identity. This study concludes that the Islamic capital market in Indonesia represents an adaptive and multidimensional transformation of Islamic economics, affirming the continued relevance of Islamic values within modern economic systems.

Yurisprudensi Ulama Klasik Dalam Putusan Akad Murabahah di Pengadilan Agama Dari Tahun 2014-2024 Moosa, Riyad; Septiarti, Mela; Fauzi, Muhammad; Mursal, Mursal
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

The rapid development of Islamic banking in Indonesia has rendered murabahah contracts the most dominant financing scheme; however, their implementation has frequently generated legal disputes adjudicated by the Religious Courts, particularly those concerning default, the determination of profit margins, the application of penalty clauses, and the execution of collateral auctions. This study aims to examine the patterns of murabahah dispute resolution by the Religious Courts in Indonesia during the 2014–2024 period by analyzing the application of classical Islamic jurisprudence (fiqh) and ushul fiqh principles in judicial reasoning. Employing a normative–empirical approach, this research applies content analysis to 62 court decisions obtained from official sources using the keyword “murabahah.” The findings indicate that default-related disputes constitute the most dominant category, accounting for 41 decisions. In their legal reasoning, judges refer to the Compilation of Sharia Economic Law (KHES) and classical fiqh principles, particularly the prohibition of riba in assessing the legitimacy of profit margins and penalties, the principle of justice (al-‘adl) in balancing the rights and obligations of the parties, and the concept of maslahah in evaluating the implications of judicial decisions for the interests of the parties and the stability of Islamic banking. Nevertheless, the study identifies inconsistencies in judicial decisions arising from divergent judicial interpretations. Therefore, this study recommends strengthening judges’ understanding of fiqh mu‘amalah, harmonizing legal interpretations, and enhancing contractual transparency to reinforce legal certainty in Islamic banking practices in Indonesia.

Problematic Legal Status of Baitul Maal wa Tamwil between Cooperatives and Limited Liability Companies from Legal and Sharia Perspectives FA, Jalaluddin; Latif, Mukhtar; Muhammad, Pauzi; Wildan FA, Muhammad
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

This study examines the problematic legal entity status of Baitul Maal wa Tamwil (BMT) between cooperatives and limited liability companies from the perspectives of positive law and Sharia principles. Following the enactment of Law Number 1 of 2013 concerning Microfinance Institutions, BMT is normatively required to be incorporated as either a cooperative or a limited liability company. This provision raises juridical and conceptual issues because BMTs possess unique characteristics as Sharia microfinance institutions with a dual function: a social function (baitul maal) and a business function (baitul tamwil) oriented toward the economic empowerment of small and medium-sized communities. This research employs a normative juridical method with a statutory and conceptual approach. The analysis is conducted on the laws and regulations governing BMTs, cooperatives, and limited liability companies, as well as relevant legal doctrines and Sharia economic principles. The results indicate that the cooperative legal form is juridically and sociologically more aligned with the character and objectives of BMTs, as it is based on the principles of kinship, member participation, and collective welfare (maslahah). Conversely, the profit-oriented nature of limited liability companies, which prioritizes shareholder interests, potentially creates a conflict of objectives and weakens the social mission and Sharia compliance of BMTs. The novelty of this research lies in its critical analysis of the implications of legal entity choice, viewed not merely as a legal-formal issue but as a determining factor for institutional identity and Sharia compliance within the national legal system. This study recommends the need for more specific regulatory restructuring to ensure the sustainability of BMTs as Sharia financial institutions based on community empowerment.

Social Entrepreneur Model: Analysis of Muslim Women's Economic Empowerment Through Emping Crackers Industry in Tulungagung Siti Kalimah; Sirajul Arifin; Riska Agustin; Riza Hafizi, Muhammad
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

The role of women in the economic sector extends beyond the domestic sphere to include participation in business, employment, and public decision-making. However, many women continue to experience structural barriers such as gender discrimination and limited access to economic opportunities. This phenomenon is also evident in Ngadirejo, Tulungagung, where the emping-melinjo industry dominated by Muslim women faces challenges related to business competition, resource limitations, and sustainability. This study aims to analyze the economic empowerment of Muslim women in the emping industry using the Social Entrepreneurship Model. Employing a qualitative descriptive approach, the research describes the dynamics of women’s empowerment based on data gathered through purposive sampling involving Muslim women entrepreneurs, community leaders, and supporting institutions. Data were collected through semi-structured interviews, observation, and documentation, and analyzed using thematic categorization aligned with the components of social value, civil society, innovation, and economic activity. The findings reveal significant positive impacts at the individual, household, and community levels, including increased financial independence (social value), expanded access to training and business capital supported by local networks (civil society), adoption of digital tools and creative business practices (innovation), and enhanced household income and poverty reduction through women’s active involvement in production and management (economic activity). Overall, the study demonstrates that the emping-melinjo industry serves as an effective vehicle for advancing women’s economic empowerment, strengthening family welfare, and promoting gender-inclusive economic development within rural communities.

Legal Protection for Retail Investors in Green Sukuk: An Analysis of Sharia Economic Law Ramadhan, Muhammad Nurfaidh; Mutiara Hapiz; Syarah, Vhamvhilla Rulvi; Hardiansyah, Dika; Ramadhani, Ananda
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

The development of Indonesia’s Green Sukuk has grown significantly, particularly in attracting retail investors to sustainable and Sharia-compliant financing instruments. However, this growth has not been matched by comprehensive analysis of investor protection. This study examines the legal protection for retail investors in Green Sukuk by integrating perspectives from Islamic economic law, OJK regulations, and international green financing standards. Using a normative legal method through statute, conceptual, and comparative approaches and supported by limited interviews with OJK representatives, the study finds that Indonesia’s regulatory framework provides a solid legal foundation but lacks mandatory green standards, leaving room for potential greenwashing. Current investor protection focuses more on financial stability and product legality rather than transparency of green projects and verification of environmental impact. The study concludes that stronger green regulation, improved transparency, and harmonization with international standards are needed. Further research is recommended on investor behavior and the effectiveness of green disclosure mechanisms.

Judicial Reasoning in Murabahah Disputes: A Maqashid al-Shariah Analysis of Religious Court Decision No. 7/Pdt.G.S/2024/PA.Jr Reyhan, Muhammad Reyhan; Isman, Isman; Irkham Firdaus, Muhammad; Abdul Jalal, Ridwan
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

The enactment of Law Number 3 of 2006 brought significant changes to the authority of the Religious Courts in handling Sharia economic disputes, including murabahah contracts. However, the application of Sharia principles in the decisions is still weak, mainly because the judges' legal reasoning tends to rely on positive law without considering fiqh muamalah. This research aims to analyse legal reasoning in the Jember Religious Court Decision Number 7/Pdt.G.S/2024/PA.Jr. and to assess the extent to which the principles of maqashid al-syariah are accommodated in resolving murabahah disputes. Unlike previous research that focused on the application of positive law, this study offers novelty by using the framework of maqashid al-syariah to assess the balance between formal legality and substantive justice. The method used is a juridical-normative approach through qualitative analysis of decision documents, DSN-MUI fatwas, and Sharia economic law literature. The research results indicate that judges emphasise positive law more, particularly Article 1243 of the Civil Code, without examining the validity of the contract based on Islamic jurisprudence and without referring to the fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI). Therefore, although the decision meets administrative aspects, its sharia law substance has not been fully realised. A more contextual and maqashid al-syariah-based legal approach is needed to achieve substantive justice in Islamic economic disputes.

Implementation Of Murabahah Contracts and Sharia Compliance in Islamic Financial Institutions Alhadiansyah, Alhadiansyah; Marnita; Fitria, Laili
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

This study examines legal issues concerning the implementation of murabahah contracts in Islamic financial institutions in Indonesia from the perspective of Islamic contract law. Murabahah is the most dominant financing instrument in Islamic banking, accounting for more than half of total financing portfolios. However, its operational practices often diverge from the normative requirements established by Islamic law, the fatwas of the National Sharia Council (DSN–MUI), and statutory regulations. Employing a normative legal research method with statutory, conceptual, and Islamic jurisprudential approaches, this study identifies several recurring legal problems, including the use of conventional interest benchmarks in margin determination, improper application of murabahah bil wakalah, and the rescheduling of payment obligations with additional margins. These practices potentially introduce elements of riba, gharar, and unjust enrichment, thereby undermining the validity of the contract under Islamic law. The study argues that non-compliance with sharia principles renders murabahah contracts legally defective and contradicts the objectives of Islamic law (maqāṣid al-sharī‘ah). This research contributes by offering a systematic legal analysis of sharia compliance gaps in murabahah practices and proposing normative recommendations for operational standardization and strengthened sharia supervision.

Analysis of Regulatory Impacts on the Disharmonization of Professional Zakat Nisab in Indonesia: A Regulatory Impact Analysis (RIA) Approach Budiarto, Muhamad Agung; Rosyadi, Imron; Rozak, Abdul; Baasith, Muhammad; Widiyastuti, Dini Laili
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

The phenomenon of disharmony in the implementation of professional zakat nisab in Indonesia highlights the discrepancy between existing zakat regulations and the practices applied on the ground. Although Fatwa MUI No. 3 of 2003 and PMA No. 31 of 2019 clearly stipulate that professional zakat is only mandatory for individuals whose income meets the nisab threshold, many zakat institutions fail to verify the nisab properly. This study aims to analyze this phenomenon using the Regulatory Impact Analysis (RIA) approach to evaluate the impact of existing regulations and explore the causes of the discrepancy between regulations and practices on the ground. The method used is a qualitative approach with descriptive analysis, involving interviews with Zakat Amil Institutions (LAZ) and a literature review. The findings show that variations in the application of professional zakat nisab, such as the elimination of nisab or the use of silver nisab, lead to injustice and violate sharia principles. The policy recommendations include implementing mandatory infaq contracts for employees whose income does not reach the nisab, strengthening sharia audit regulations to ensure nisab compliance and proper zakat calculation, and enforcing PMA No. 31 of 2019 more strictly. The novelty of this research lies in applying RIA to analyze the impact of professional zakat regulations and propose policies that align more closely with sharia principles. This study contributes to improving the management of professional zakat in Indonesia to enhance fairness and the effectiveness of zakat distribution

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Editorial Address Gedung Prodi Muamalah Fakultas Syari'ah UIN Raden Intan Lampung (Jl. Endro Suratmin No.1 Sukarame Bandar Lampung Telp. (0721) 703260, Kode pos: 35131)

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