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Analysis of Fraud in Transactions on Shopee: A Fiqh Muamalah Perspective Using the Fraud Triangle Theory Syamsuri, Syamsuri; Lutfiah, Asti
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.v10i1.17014

This study analyzes fraud in Shopee transactions using the fraud triangle theory and the perspective of fiqh muamalah. Fraudulent activities in the Shopee marketplace, such as scams and deceitful seller practices, contradict Islamic principles, resulting in material and non-material losses. Fiqh muamalah, as a foundational framework for Islamic trade, strictly prohibits fraudulent practices that cause harm or injustice. The study employs a qualitative approach, utilizing content analysis of case studies on Shopee fraud. The findings reveal that fraud on Shopee arises due to economic pressure as a trigger for fraudulent behavior, opportunities created by weak regulatory frameworks, and the rationalization of fraud stemming from a lack of public awareness about online transaction rules. From the perspective of fiqh muamalah, these factors result in injustice and violate fundamental principles such as honesty (sidq), trustworthiness (amanah), and the prevention of harm (la darara wa la dirar). The study highlights the need to address these issues to align online transactions with Islamic ethical standards.Keywords: Fraud Triangle; Transactions, Shopee; Fiqh Muamalah

Comparative and Integrative Approach of Conventional and Islamic Economic Theories in Islamic Economic Law Development Hafizd, Jefik Zulfikar; Janwari, Yadi; Jubaedah, Dedah
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.v10i1.18550

Conventional economic theory, which began with Adam Smith's seminal work on the free market and the 'invisible hand,' evolved through the contributions of Keynesianism and monetarism, focusing on government intervention and money supply control, respectively. In contrast, Islamic economic thought is deeply rooted in the Qur'an and Sunnah, with early Islamic scholars like Ibn Khaldun emphasizing justice, balance, and social welfare as core economic principles. After a period of dormancy, Islamic economics was revived in the 20th century, presenting an alternative that integrates moral and ethical values within the economic system. This research examines the integration of conventional and Islamic economic principles, particularly their role in the development of Islamic law (Sharia) and its economic applications. By adopting a comparative and integrative approach, the study analyzes both systems' concepts, principles, and practices, relying on data from books, journals, articles, and other scholarly references. The findings highlight both the similarities and differences between conventional and Islamic economics and identify complementary elements that facilitate the creation of a more just and sustainable hybrid economic model. Integrating core Islamic economic values, such as the prohibition of usury (riba) and wealth redistribution (zakat), with conventional economic frameworks can promote a more equitable and sustainable economic system. This research concludes that the synthesis of conventional and Islamic economics, underpinned by Sharia principles, can lead to the development of a more efficient, ethical, and socially just economic model..Keywords: Conventional Economics; Islamic Economics; Comparison; Economic Integration; Economic Sustainability

The Principles of Islamic Business Ethics in the Viral Success of Donat Kampar Galesong: A Review of Islamic Economic Law Yusuf, Hardyansyah; Zubair, Muhammad Kamal; Aminah, St; Mahsyar, Mahsyar; Soi, Andi Bahri
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

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

Understanding Usury and Its Influence on Interest in Using Bank Syariah Indonesia (BSI) Products: Case Study in Beganding Village Br Sitepu, Himmatul Ulia; Rahmayati, Rahmayati
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.v10i1.20134

This study aims to determine the effect of understanding of usury on the interest in using Bank Syariah Indonesia (BSI) products among Aisyiyah mothers in Beganding Village. Public understanding of the concept of usury is an important factor in encouraging participation in the Islamic banking system, which is based on Islamic financial principles. This study uses a quantitative approach with data collection techniques through questionnaires, which were distributed to 30 respondents. Data analysis was carried out using SPSS software. The results showed that understanding of usury had a significant effect on interest in using BSI products, with a calculated F value of 93.715 and a significance of 0.000 (p <0.05). The correlation coefficient value of 0.877 and the R² value of 0.770 indicate that 77% of the variation in interest can be explained by the variable of understanding usury. This finding indicates that the better a person's understanding of the prohibition of usury in Islam, the higher their interest in using Islamic banking services. This study provides academic contributions to the field of Islamic economics by emphasizing the importance of education related to usury as a strategy to increase literacy and participation in the Islamic banking industry at the community level.Keywords: Understanding of Usury; Interest in Using Products; Bank Syariah Indonesia.

Marketing Strategy and Islamic Business Ethics in Promoting Mudharabah Deposits at Bank Muamalat Sukaramai Saputri, Nurul Feni; Hayati, Isra
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.v10i1.20135

This study explores the marketing strategy and application of Islamic business ethics in promoting mudharabah deposit products at Bank Muamalat KCP Sukaramai, Medan. The research aims to analyze how marketing strategies are implemented at the branch level and identify key challenges in attracting public interest to sharia-compliant investment products. A qualitative descriptive approach was used, employing case study methods through interviews, observation, and documentation. Data analysis was conducted using the interactive model of Miles and Huberman, covering data reduction, display, and conclusion drawing. The findings reveal that Bank Muamalat Sukaramai applies a marketing mix strategy consisting of product development, profit-sharing–based pricing, personal and digital promotion, and local community engagement. Ethical Islamic values such as honesty, transparency, and fairness are consistently upheld throughout the marketing process. The bank also integrates educational efforts to increase public understanding of mudharabah principles through seminars, profit-sharing simulations, and social media content. However, several challenges remain, including low public literacy on sharia finance, tight competition with conventional banks, shifting customer preferences toward digital platforms, and regulatory constraints. This study contributes to the literature on Islamic banking marketing by highlighting practical, ethical-based strategies that are adaptive to local branch contexts. The study offers insights for other Islamic financial institutions seeking to enhance the appeal of profit-sharing deposit products and foster consumer trust in line with Islamic principles.Keywords: Marketing Strategy; Mudharabah Deposit; Islamic Business Ethics; Sharia Banking; Marketing Mix.

Implementation of Sharia Compliance in ZIS Distribution at BSI Maslahat Based on DSN-MUI Fatwas Salsabilla, Salma Nadia; Setiyowati, Arin; Latifah, Luluk
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.v10i1.19687

The implementation of Sharia compliance in the management of zakat, infaq, and sadaqah (ZIS) funds is essential to ensure public trust and institutional accountability. This study aims to examine the extent to which BSI Maslahat, the official amil zakat institution affiliated with Bank Syariah Indonesia (BSI), complies with Sharia principles in distributing ZIS funds, particularly in terms of transparency and accountability. This research uses a qualitative method with a literature and documentary study approach. The data were sourced from BSI Maslahat’s annual reports from 2017 to 2023 and relevant fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI). Content analysis was applied to assess the alignment of ZIS distribution with Sharia principles, particularly DSN-MUI Fatwa No. 23/2020 and No. 71/2023. The findings indicate that ZIS distribution during the observed period did not fully comply with Fatwa No. 23/2020, as the riqab category was not included. However, improvements in transparency and reporting were evident in accordance with Fatwa No. 71/2023. These results are analyzed through Monzer Kahf’s Islamic Contract Theory, which emphasizes justice, transparency, and Sharia adherence. This study contributes to Islamic economic discourse by offering strategic recommendations to enhance ZIS fund management and compliance. It also serves as a reference for regulators and Islamic financial practitioners to improve institutional governance and public confidence in Islamic philanthropy.Keywords: BSI Maslahat; Sharia Compliance; ZIS Distribution; DSN-MUI; Islamic Contract Theory

Sharia Economic Law Analysis of Paylater Features in Online Marketplace Transactions Fatakh, Abdul; Rosanti, Eka; Suharto, Toto; Annisa, Dila
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.v10i1.20292

The advancement of digital technology has significantly transformed buying and selling systems, particularly through online marketplace platforms. One notable innovation is the paylater payment scheme, which allows consumers to defer payments after completing transactions. While this method offers practical convenience, it raises critical concerns from the perspective of Sharia economic law, especially regarding the elements of riba (interest), gharar (uncertainty), and transactional justice. This study aims to analyze the implementation of paylater features in the Hijabequlla marketplace by examining their compliance with Sharia economic principles. Using a qualitative descriptive method, data were collected through observation, interviews, and literature review. The findings reveal that although the paylater scheme facilitates online purchases, its current implementation shows potential violations of Sharia provisions—particularly those outlined in the DSN-MUI Fatwa No. 1 of 2004 concerning interest-based transactions. The novelty of this research lies in its contextual analysis of a contemporary marketplace platform using the framework of Islamic economic law, offering insights into the alignment—or misalignment—between digital consumer financing and Sharia norms. The study concludes that a reconstruction of the paylater system is needed to ensure compliance with Islamic legal standards, thereby promoting fair and ethical digital transactions.Keywords: Marketplace; Paylater; DSN-MUI Fatwa; Digital Transactions; Sharia Economic Law.

Islamic Financial Literacy and Regulatory Framework in the Implementation of Equity Crowdfunding in Indonesia Dari, Maieva Wulan; Rifqiawan, Raden Arfan
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.v10i1.18932

Sharia investment through Equity Crowdfunding (ECF) has become one of the main pillars in developing the Islamic financial system in Indonesia. Although it is regulated by OJK Regulation No. 57/POJK.04/2020 and strengthened by the DSN-MUI fatwa, the implementation of Sharia-compliant ECF still faces significant challenges. This study aims to analyse the legal framework of Sharia ECF in Indonesia, evaluate compliance with its principles in its practices, and identify challenges related to financial literacy and legal protection for investors and issuers. The research method used is a normative legal approach with qualitative analysis through a literature review of relevant regulations, fatwas, and legal documents. The findings show that the low level of financial literacy and inadequate supervision of ECF platforms affect investor participation and the effectiveness ..of legal protection. Based on these findings, the study recommends the massive enhancement of financial literacy, strengthening Sharia-based supervision, and developing Sharia dispute resolution mechanisms to create a fair, sustainable, and inclusive Islamic capital market.Keywords: Equity Crowdfunding; Islamic Investment; Financial Literacy; Regulation.

The Role of Fiqh Iqtishad in Developing Islamic Economic Law and Practice Rusmariani, Yuly
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.v10i1.18170

Fiqh Iqtishad, as a branch of Islamic jurisprudence that regulates economic behavior, plays a pivotal role in the development of Islamic economic law and practice. In the face of modern economic complexities, this study investigates how fiqh iqtishad provides a normative and ethical foundation for sharia-compliant economic systems. This research employs a qualitative library research method, collecting and analyzing authoritative sources including classical texts, academic journals, and regulatory frameworks. The study reveals that fiqh iqtishad serves not only as a source of legal guidance, but also as a dynamic and adaptable instrument for economic transformation grounded in the Qur’an, Hadith, ijmaʿ, and qiyas. Key principles such as the prohibition of riba, gharar, and maysir, as well as the emphasis on justice, transparency, and equitable distribution through zakah and waqf, demonstrate its integrative capacity in addressing both spiritual and material aspects of economic life.The findings show that while fiqh iqtishad has significantly influenced Islamic banking, halal investment, and wealth redistribution, its implementation still faces challenges, particularly in the areas of public awareness, regulatory harmonization, and institutional capacity. This study concludes that strengthening the application of fiqh iqtishad requires collaborative efforts between scholars, regulators, and practitioners to realize a more just, inclusive, and sustainable Islamic economic system.Keywords: Fiqh iqtishad; Islamic economic law; sharia finance; justice; wealth distribution

Dispute Resolution in Consumer Protection in the Financial Services Sector Perspective Sadd al-Zari’ah Taufiq, Muhammad
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.v10i1.19570

The misuse of personal data by third parties on fintech lending platforms—without consent through a written statement—poses a serious threat to data security and consumer rights. This study aims to offer a conceptual framework for financial service providers and the public concerning the regulation of personal data usage. Employing the Sadd al-Zari’ah approach, this research highlights the importance of preventing actions that may lead to disputes in the financial services sector. The study adopts a normative legal research method with two approaches: the statutory approach and the conceptual approach. The primary legal reference is Financial Services Authority Regulation (POJK) Number 22 of 2023. Data were obtained through literature review and analyzed qualitatively using descriptive techniques. The findings show that consumer protection dispute resolution in the financial services sector can be pursued through both preventive and repressive efforts by applying the concept of Sadd al-Zari’ah. This approach aims to block potential harm at its root by closing avenues that may lead to legal violations or injustice.Keywords: Dispute Resolution; Financial Services Sector; Sadd al-Zari’ah; Consumer Protection

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Journal Mail Official
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Kota cirebon,

Jawa barat

INDONESIA