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Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics)
Published by Universitas Islam Negeri Syarif Hidayatullah Jakarta
ISSN : 2087135X     EISSN : 24078654     DOI : 10.15408/aiq.v14i1.
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
This journal focused on Islamic law on economics and finance studies and present developments through the publication of articles. Specifically, the journal will deal with topics, including but not limited to Islamic law on Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Zakah, Waqf, Poverty Alleviation, Islamic Public Finance, Monetary Economics, Economic Development, Maqasid al-Shariah, Institutional Economics, Islamic management, Behavioural Economics and Finance, Corporate Governance, Risk Management, Shariah issues, Financial Engineering, Securitization and Sukuk, Islamic Capital Markets, Insurance and Takaful, Regulatory Issues, Corporate Social Responsibility in Islam and other topics which related to this area. The journal is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 707 Documents
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Inclusive Development and the Islamic Economic Paradigm: Unveiling Structural and Epistemic Injustices in Indonesia Inayati, Anindya Aryu; Pratama, Agung Barok; Faristiana, Andhita Risko; Mulyawisdawati, Richa Angkita
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.46359

Abstract

Inclusive economic development is a constitutional mandate aimed at achieving economic democracy, social justice, and public welfare. However, these goals are often hindered by structural barriers and dominant perspectives that marginalize vulnerable groups. This article analyzes how structural and epistemic injustices shape inclusive development in Indonesia through the lens of the Islamic economic paradigm. Using a qualitative-descriptive approach grounded in policy documents, legal texts, and critical literature, this study employs thematic analysis. The findings show that development policies tend to prioritize elite capital accumulation and large-scale projects, while neglecting the voices and local knowledge of marginalized communities. By integrating the ethical values of ‘adl, maṣlaḥah, and ta‘āwun, with epistemological critique, this article argues that genuine inclusivity requires not only institutional reform or Islamic philanthropy, but also participatory governance and the rethinking of dominant perspectives. Keywords: inclusive development; epistemic injustice; islamic economic paradigm; structural injustice   Abstrak Pembangunan ekonomi inklusif merupakan amanat konstitusi untuk mewujudkan demokrasi ekonomi, keadilan sosial, dan kesejahteraan masyarakat. Namun, praktik pembangunan kerap dibatasi oleh struktur dan cara pandang dominan yang meminggirkan kelompok rentan. Artikel ini menganalisis ketidakadilan struktural dan epistemik dalam pembangunan inklusif di Indonesia melalui paradigma ekonomi Islam. Dengan pendekatan kualitatif-deskriptif dan analisis tematik terhadap dokumen kebijakan, teks hukum, dan literatur kritis, penelitian menunjukkan bahwa kebijakan pembangunan masih berorientasi pada kepentingan elite dan proyek berskala besar, serta mengabaikan suara kelompok rentan. Dengan mengintegrasikan nilai-nilai adl, maṣlaḥah, dan ta‘āwun, artikel ini menegaskan bahwa inklusivitas sejati menuntut reformasi kelembagaan, tata kelola partisipatif, serta peninjauan ulang cara berpikir dominan. Kata kunci: pembangunan inklusif; ketidakadilan epistemik; paradigma ekonomi islam; ketidakadilan struktural
Determinants of Shariah Control Deficiencies: an Indonesian Shariah Banking Perspective Sutanto, Edi; Amilin, Amilin; Qizam, Ibnu; Amelia, Erika
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.46617

Abstract

This study aims to identify patterns of deficiency in the Shariah Internal Control System (SICS) and uncover determinant factors of Shariah Control Weakness (SCW) in Indonesian Islamic commercial banks. Using an embedded multiple-case study approach, the research combines analysis of financial and governance reports from Islamic banks for 2013–2024 period with interviews with ten Islamic banking practitioners. The findings reveal that Shariah Non-Compliance Events (SNCE) occur systemically across all observed banks, with deficiency patterns including non-halal income, Shariah audit findings, and fraud, and identified 12 determinant factors for SCW, which are the control weakness, poor employee understanding of Shariah, pressure from customers and business targets, complexity of akad, the number, quality & meeting frequency of Shariah Supervisory Board members, number of branch offices, employee training budget, bank's total assets, and the bank's age. Keywords: shariah banking, shariah governance, shariah compliance: shariah internal control system; sharia control weakness   Abstrak Penelitian ini bertujuan mengidentifikasi pola defisiensi dalam Sistem Pengendalian Internal Syariah dan faktor determinan kelemahan pengendalian syariah (SCW) pada bank umum syariah di Indonesia. Menggunakan pendekatan embedded multiple-case study, penelitian ini mengombinasikan analisis laporan keuangan dan tata kelola bank syariah periode 2013–2024 dengan wawancara terhadap sepuluh praktisi perbankan syariah. Penelitian menyimpulkan bahwa ketidakpatuhan syariah terjadi secara sistemik di seluruh bank yang diteliti, dengan pola defisiensi berupa pendapatan non-halal, temuan audit syariah, dan fraud, serta adanya 12 faktor determinan SCW, yaitu kelemahan pengendalian, pemahaman syariah pegawai yang minim, tekanan nasabah & capaian target, kompleksitas akad, jumlah, frekuensi pertemuan & kualitas DPS, jumlah kantor cabang, anggaran pelatihan pegawai, kuantitas aset bank, dan lamanya bank beroperasi. Kata Kunci: shariah compliance: shariah internal control system; sharia control weakness
Harmonizing Fiduciary Enforcement after Constitutional Court Decision No. 18/2019 and DSN-MUI Fatwa No. 68/2008: A Doctrinal and Ethical Convergence of Positive Law and Rahn Tasjīlī Luthfi, A Hashfi; Billah, Mu'tashim
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.47339

Abstract

This article examines the harmonization of fiduciary enforcement in Indonesia following Constitutional Court Decision No. 18/2019 and DSN-MUI Fatwa No. 68/2008 on Rahn Tasjīlī. The Constitutional Court restricted unilateral repossession through fiduciary certificates, mandating either debtor consent or judicial oversight, while the fatwa embeds ethical safeguards of fairness (ʿadl) and harm prevention (ḍarar). Employing a normative-juridical approach, this study analyzes statutory law, jurisprudence, and fatwa-based norms to identify points of convergence. The findings reveal that both frameworks limit creditor dominance, strengthen debtor protection, and preserve creditor certainty through documentation and due process. Divergences remain in their normative origins, yet outcomes converge toward proportionality and justice. Keywords: fiduciary security; rahn tasjīlī; constitutional court decision; DSN-MUI fatwa; maqāṣid al-sharīʿah   Abstrak Artikel ini mengkaji harmonisasi pelaksanaan eksekusi jaminan fidusia di Indonesia pasca Putusan Mahkamah Konstitusi No. 18/2019 dan Fatwa DSN-MUI No. 68/2008 tentang Rahn Tasjīlī. Mahkamah Konstitusi membatasi penarikan sepihak objek fidusia melalui sertifikat fidusia dengan mensyaratkan adanya persetujuan debitur atau pengawasan yudisial, sementara fatwa tersebut menanamkan perlindungan etis berupa keadilan (ʿadl) dan pencegahan kemudaratan (ḍarar). Dengan menggunakan pendekatan normatif-yuridis, penelitian ini menganalisis peraturan perundang-undangan, yurisprudensi, dan norma berbasis fatwa untuk mengidentifikasi titik-titik konvergensi. Temuan penelitian menunjukkan bahwa kedua kerangka tersebut sama-sama membatasi dominasi kreditur, memperkuat perlindungan debitur, serta menjaga kepastian hukum bagi kreditur. Perbedaan tetap terdapat pada asal-usul normatifnya, namun hasil akhirnya bertemu pada prinsip proporsionalitas dan keadilan. Kata Kunci: jaminan fidusia; rahn tasjīlī; putusan mahkamah konstitusi; fatwa DSN-MUI; maqāṣid al-sharīʿah.
Judicial Disparities in Religious Court Decisions on the Inheritance Status of Life Insurance Benefits: A Sharia Economic Law Perspective Hadi, Ahmad Chairul; Fatih, Muhammad
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.50013

Abstract

Life insurance raises legal issues in Islamic inheritance and Sharia economic law regarding the status of benefits after the policyholder’s death. This study examines judicial disparities in three Religious Court decisions: Tigaraksa, Sungai Raya, and Mataram, based on Islamic inheritance principles, sharia economic justice, and Indonesian positive law. Using a normative and comparative approach, the study analyzes court decisions and literature on Islamic inheritance and takaful. The findings show inconsistent interpretations. Tigaraksa and Sungai Raya courts treated insurance benefits as inheritance subject to faraid, whereas Mataram granted the beneficiary exclusive rights under contractual freedom. From a Sharia economic law perspective, such benefits constitute collective wealth (māl) and should be distributed fairly, unless a valid Sharia-compliant will or grant exists. This highlights the need for clearer Sharia-based guidelines. Keywords: sharia economic law; life insurance; islamic inheritance; judicial disparity; distributive justice   Abstrak Asuransi jiwa menimbulkan persoalan dalam ranah waris Islam dan ekonomi syariah terkait status manfaat asuransi setelah wafatnya pemegang polis. Penelitian ini menganalisis disparitas pertimbangan hakim dalam putusan Pengadilan Agama: Tigaraksa, Sungai Raya, dan Mataram, dengan menilai kesesuaiannya terhadap prinsip hukum waris Islam, keadilan ekonomi syariah, dan hukum positif Indonesia. Dengan pendekatan yuridis normatif dan komparatif, penelitian ini mengkaji putusan pengadilan serta literatur hukum waris Islam dan asuransi syariah (takaful). Hasil penelitian menunjukkan perbedaan penafsiran hukum. Pengadilan Agama Tigaraksa dan Sungai Raya menganggap manfaat asuransi sebagai harta warisan yang dibagikan menurut faraid, sedangkan Pengadilan Agama Mataram menempatkannya sebagai hak eksklusif kepada penerima manfaat berdasarkan asas kebebasan berkontrak. Dalam perspektif hukum ekonomi syariah, manfaat asuransi merupakan harta (māl) yang semestinya didistribusikan secara adil, kecuali terdapat wasiat atau hibah yang sah. Disparitas ini menegaskan perlunya pedoman berbasis syariah yang lebih jelas. Kata Kunci: hukum ekonomi syariah; asuransi jiwa; hukum waris Islam; disparitas putusan; keadilan distributive
Mosque-Based Economic Empowerment as Living Sharia Economic Law: Principles and Challenges Sumarni, Yenti; Isnaini, Desi; Wahyuni , Eka Sri
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.50027

Abstract

This study analyzes mosque-based economic empowerment as a form of community implementation of Sharia economic law beyond formal Islamic financial institutions. Using a qualitative, exploratory approach through interviews and focus group discussions, this research investigates how mosques serve as sites for sharia-compliant economic practices, including cooperatives, microfinance, and community entrepreneurship. The findings indicate that mosque-based economic activities reflect core principles of Islamic economic law, including justice, mutual consent, the prohibition of usury, and public benefit. However, normative challenges persist due to the lack of inclusive policies and structured governance, as well as limited formal institutional support. Overall, this study highlights mosque-based economic empowerment as a dynamic expression of living Islamic economic law. Keywords: mosque-based economic empowerment; sharia economic law; Islamic entrepreneurship   Abstrak Penelitian ini menganalisis pemberdayaan ekonomi berbasis masjid sebagai bentuk implementasi hukum ekonomi Syariah oleh masyarakat, di luar lembaga keuangan Islam formal. Dengan pendekatan kualitatif dan eksploratif melalui wawancara dan diskusi kelompok terfokus, penelitian ini menggali bagaimana masjid berperan sebagai tempat mempraktikan aktivitas ekonomi yang sesuai syariah, termasuk koperasi, pembiayaan mikro, dan kewirausahaan. Hasil penelitian ini menunjukkan bahwa kegiatan ekonomi berbasis masjid mencerminkan prinsip-prinsip pokok hukum ekonomi Islam, seperti keadilan, kesepakatan bersama, larangan riba, dan manfaat bagi masyarakat. Namun, tantangan normatif tetap ada karena kurangnya kebijakan inklusif, tata kelola yang terstruktur, serta dukungan lembaga formal. Secara umum, penelitian ini menegaskan bahwa kewirausahaan berbasis masjid merupakan ekspresi dinamis dari hukum ekonomi Islam yang hidup di masyarakat. Kata Kunci: pemberdayaan ekonomi berbasis masjid; hukum ekonomi syariah; kewirausahaan Islam
Zakat Fundraising in Indonesia: Continuity, Legal Framework, and Digital Transformation Khoiriyah, Faya Rizti; M. Fahmi Hidayat
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.50032

Abstract

This study examines continuity and change in zakat fundraising in Indonesia, tracing its evolution from community-based traditional channels to formal institutions and digital platforms. Using a Systematic Literature Review (SLR) guided by the PRISMA framework, 67 peer-reviewed articles published between 2015 and 2025 were analyzed. The findings show that zakat fundraising in Indonesia follows a layered and hybrid trajectory rather than a linear shift from tradition to digitalization. Traditional mechanisms rooted in religious authority, communal trust, and local culture remain influential alongside institutional and digital channels. While institutionalization under Law No. 23 of 2011 has strengthened governance and accountability, tensions persist between state-based and civil society organizations. Digitalization enhances efficiency and outreach, yet trust, digital literacy, religious perceptions, and data security limit adoption. A hybrid model is essential for sustainable zakat fundraising in the digital era. Keywords: zakat fundraising; digitalization; institutionalization; Islamic philanthropy; Indonesia   Abstrak Penelitian ini menelaah keberlanjutan dan perubahan praktik penggalangan zakat di Indonesia, dari cara tradisional berbasis masyarakat hingga lembaga formal dan platform digital. Menggunakan Systematic Literature Review (SLR) dengan kerangka PRISMA, penelitian ini menganalisis 67 artikel peer-reviewed yang terbit antara 2015 dan 2025. Hasilnya menunjukkan bahwa penggalangan zakat berjalan secara bertingkat dan hybrid, bukan sekedar berpindah dari tradisional ke digital. Mekanisme tradisional yang berakar pada otoritas agama, kepercayaan masyarakat, dan budaya lokal tetap berperan di samping cara formal dan digital. Institusionalisasi berdasarkan Undang-Undang No. 23 Tahun 2011 memperkuat tata kelola, namun ketegangan antara organisasi zakat berbasis negara dan masyarakat sipil tetap ada. Digitalisasi meningkatkan efisiensi dan jangkauan, tetapi adopsinya masih terbatas karena kepercayaan, literasi digital, persepsi agama, dan keamanan data. Model hybrid dianggap penting untuk keberlanjutan penggalangan zakat di era digital. Kata Kunci: penggalangan zakat; digitalisasi; institusionalisasi; filantropi Islam; Indonesia    
Environmental Justice: The Influence of Environmental Ethics, Environmental Knowledge on Waste Management with Religiosity as a Mediation Variable Susminingsih, Susminingsih; Rosyid, Ahmad; Nasrullah, Muhammad; Junaeti, Junaeti; Caniago, Siti Aminah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.50039

Abstract

This article examine how environmental knowledge, religiosity, environmental ethics, and behavioral influence waste management behavior and realization of environmental justice among batik MSME actors in Indonesia. This research is a field study employing quantitative methods, involving 232 respondents selected through purposive and accidental sampling techniques. The collected data analysed using the PLS-SEM method. This study concluded that environmental knowledge and religiosity are serious challenges in efforts to form environmental justice, MSME actors can feel the impact of their business so they care about industrial waste management, environmental ethics strengthen the commitment of MSME actors to nature conservation programs and prevent environmental damage, internalisation of environmental ethics values which in line with religiosity is more effective in encouraging fair waste management behaviour than just increasing environmental knowledge, and encouragement of waste management is evidence of good interaction between humans and nature. Keywords: environmental justice; environmental ethics; environmental knowledge; waste management; religiosity   Abstrak Artikel ini mengkaji bagaimana pengetahuan dan etika lingkungan, religiositas, dan faktor perilaku mempengaruhi perilaku pengelolaan limbah serta perwujudan keadilan lingkungan di kalangan pelaku UMKM batik di Indonesia. Penelitian ini merupakan studi lapangan dengan pendekatan kuantitatif yang melibatkan 232 responden, yang dipilih melalui teknik purposive dan accidental sampling. Data dianalisis menggunakan metode PLS-SEM. Penelitian menyimpulkan bahwa pengetahuan lingkungan dan religiositas masih menjadi problem dalam membentuk keadilan lingkungan, pelaku UMKM dapat merasakan dampak dari aktivitas usahanya sehingga mendorong kepedulian terhadap pengelolaan limbah industri, etika lingkungan memperkuat komitmen pelaku UMKM terhadap pelestarian dan pencegahan kerusakan lingkungan, internalisasi nilai-nilai etika lingkungan yang selaras dengan religiositas lebih efektif dalam mendorong perilaku pengelolaan limbah yang adil dibandingkan sekadar peningkatan pengetahuan lingkungan, dan dorongan terhadap pengelolaan limbah merupakan bukti adanya interaksi yang baik antara manusia dan alam.  Kata Kunci: keadilan lingkungan; etika lingkungan; pengetahuan lingkungan; pengelolaan limbah; religiositas

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