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Al-Mustashfa
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : -     EISSN : -     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
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Articles 227 Documents
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The influence of islamic bank and zakat on unemployment in urban and rural areas of Indonesia Fajri, Mohammad Zen Nasrudin; Suminto, Ahmad; Rizqon, Abdul Latif
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 1 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i1.17108

Abstract

Unemployment in Indonesia has shown a downward trend in the last decade which is associated with the positive growth of Islamic banks and zakat in Indonesia. This research aims to reveal the impact of Islamic bank performance on unemployment in Indonesia at a national level, in urban and rural areas. It also aims to find out the impact of zakat performance on those groups of unemployment. ARDL method is used to analyze data between 2007 and 2022. The results of the findings show that the zakat collection positively affects national unemployment, urban unemployment, and rural unemployment in Indonesia in the long run. However, in the short run, it only increases urban unemployment. Meanwhile, Islamic bank financing significantly reduces national unemployment and urban unemployment in the short run but it has no impact on rural unemployment. In the long run, Islamic bank financing does not affect all kinds of unemployment.Keywords: Islamic bank, zakat, unemployment, urban, rural. 
CERTIFICATION AND SUPERVISION OF SHARIA CONFORMITY NATIONAL SHARIA COUNCIL INDONESIAN ULAMA COUNCIL (DSN-MUI) ON SHARIA PROPERTY Jamaludin, Mohammad
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 8, No 2 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.13032

Abstract

AbstractThe usage of shariah labels in business activity, especially the property business, causes problems in some cities. This research was carried out to study the arrangement of certification law and the monitoring of shariah compliance in shariah property and the effort of DSN-MUI, The Representative of East Java Province, in certifying and monitoring shariah compliance in shariah property with a juridical empirical approach. The results of this research showed that the arrangement of certification law and monitoring of Shariah compliance in Shariah property is regulated in The Law of Limited Liability Company, The Law of Shariah Banking, and The Law of DSN-MUI Regulation. The effort done by DSN-MUI, The Representative of East Java Province, in certifying and monitoring the Shariah compliance in Shariah property was by explaining the principles of Shariah property normatively, recommending the discussion of Shariah property in The Leader Meeting of Central MUI, cooperating with BI, ADPS, and OJK to carry out training for The Prospective Shariah Supervisor, making education book and Jumat Preaching Book about Shariah Economy, and educating the community about DSN-MUI fatwa to improve the vigilance on fraud cases by using the Sharia label.  Keywords: Sharia Certification; Monitoring of Sharia Compliance; Sharia Property.
The Principle of ats-Tsabit bi al-‘Urfi ka ats-Tsabit bi asy-Syar’i in DSN-MUI Fatwa No. 117 on Sharia Fintech Bianda, Ryan
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.15241

Abstract

This research aims to describe and analyze the integration of the fiqh rule Ats-Tsabit bi Al-‘Urfi ka Ats-Tsabit bi Asy-Syar’i into the context of DSN-MUI Fatwa No. 117, which regulates Sharia-compliant financial technology (fintech). The study highlights the significance of combining urf (custom) and Sharia principles to create a comprehensive framework for enhancing Islamic financial products and services. This qualitative research uses a literature-based approach, collecting secondary data from fatwas, books, journals, and other relevant sources. The findings reveal that the application of the Ats-Tsabit rule not only reinforces the validity of modern financial transactions in compliance with Sharia but also supports the innovation needed to address the dynamic demands of society. The study also emphasizes the role of urf as a fundamental element in bridging traditional Islamic law with contemporary economic practices. These insights provide actionable recommendations for improving regulatory frameworks and fostering public trust in the Islamic fintech ecosystem. This research makes a significant contribution to the development of Islamic economic law by offering a sustainable approach to aligning technological advancements with Sharia principles.Keywords: Financial Technology, Fatwa, DSN-MUI, Islamic Law, Urf.
Revitalizing Financial Freedom to Achieve a Sustainable Economy Based on Maqashid al-Shariah in Hifz al-Mal Mansur, Ubaidillah; Nurohman, Dede; Anshor, Ahmad Muhtadi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.18582

Abstract

Global economic instability and poor financial planning have created significant challenges in achieving financial freedom, particularly in Indonesia, where low financial literacy, limited access to financial services, and inadequate savings exacerbate the issue. Integrating maqāṣid al-sharī‘ah, especially ḥifẓ al-māl, offers an ethical and sustainable framework for addressing these challenges and achieving inclusive financial freedom. This qualitative study employs a case study approach, utilizing data from academic journals, reports from international organizations, interviews with Islamic economics experts, and supporting statistics. The findings reveal that Sharia principles in investment and wealth management enhance financial inclusion, stability, and public trust. The principle of ḥifẓ al-māl safeguards assets and promotes responsible financial practices aligned with ethical and social objectives. By incorporating maqāṣid al-sharī‘ah in financial planning, individuals and societies benefit from improved well-being and sustainable economic development. This study highlights the synergy between financial freedom and sustainability, emphasizing education, justice, and resource efficiency as core strategies. Policymakers and individuals are encouraged to adopt sharia-compliant financial practices for long-term prosperity. While offering valuable insights, the study acknowledges its limitations and calls for further research on the role of digital financial technology in enhancing financial inclusion under maqāṣid principles.Keywords: Financial Freedom, Maqāṣid al-Sharī‘ah, Ḥifẓ al-Māl, Sustainable Economy, Financial Inclusion
Application of Mu'nah Rahn Tasjily in Land Collateral: Integration of DSN-MUI Fatwa and Sharia Economic Principles Wasman, Wasman; Elena, Sekar; Khoirudin, Ahmad; Fatakh, Abdul; Setiawan, Fajar
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.18549

Abstract

This study investigates the application of mu’nah rahn tasjily in land collateral financing at Pegadaian Syariah KC. Cipto Mangunkusumo Cirebon, integrating the DSN-MUI Fatwa No. 68/DSN-MUI/III/2008 and the Compilation of Sharia Economic Law (KHES). Employing a qualitative approach with a normative-empirical methodology, the research combines literature reviews and field investigations. Primary data were collected through interviews with employees and managers, while secondary data included books, journals, and relevant documents. Data collection methods involved observation, structured interviews, and documentation, focusing on the implementation of mu’nah in land certificate financing for the year 2023. The findings reveal two types of rahn tasjily contracts, with one involving the determination of mu’nah based on the loan amount. In these contracts, the collateral submitted serves only as proof of ownership, while the pledger retains control over the physical collateral. However, an analysis of the DSN-MUI Fatwa indicates a deviation in practice at Pegadaian Syariah KC. Cipto Mangunkusumo, as mu’nah is calculated proportionally to the loan amount rather than independently. Furthermore, the KHES emphasizes time-based calculations for ijarah, suggesting the necessity of structured time limitations to prevent disputes and ensure compliance with Sharia principles. This study underscores the need for a more consistent application of Sharia guidelines in determining mu’nah to enhance transparency and fairness in Islamic financial practices.Keywords: Mu’nah Rahn Tasjily, Land Collateral, DSN-MUI Fatwa, Sharia Economic Law, Islamic Pawnshop Practices.
Basic Needs as the Foundation of Consumer Behavior: An Analytical Study of Al-Ghazali's Thought Bin Lahuri, Setiawan; Nurkholifah, Euis; Zarkasyi, M. Ridlo; Ramdani Harahap, Soritua Ahmad
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.16764

Abstract

Consumer behavior that has a lot of consumptive tendencies makes this pattern incompatible with consumption in the Islamic economics. Society has the ideology of consuming excessively, unknowingly, and sustainably. Purchases of goods are only based on desires and do not consider needs, so it is necessary to enforce consumption patterns so that they do not fall into the excessive category. The research methodology used is a literature study method by conducting an in-depth reading analysis of various references related to consumer behavior, especially examining various existing literature works. Researchers reviewed several books written by Al Ghazali and several related figures to obtain additional analysis in this research. The results of this research indicate that the consumption theory according to Al Ghazali is not only oriented to satisfaction. Consumption in Islam is more to make people more obedient in worship. Humans are not required to meet their needs sporadically but must comply with sharia principles. Other important things by paying attention to halal, good and mashlahah for the goods they consume.  Keywords: Consumer behavior, Islamic Economics, Society, Al-Ghazali
Comparative Analysis of Economic Fiqh in Islamic Financial Transactions: ‎A Review of Literature from Various Madhhabs Ghozali, Mohamad; Jubaedah, Dedah; Yusup, Deni Kamaludin
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.16350

Abstract

This study analyzes the comparative interpretations of Islamic economic jurisprudence (fiqh) in financial transactions across the Hanafi, Maliki, Shafi'i, and Hanbali schools of thought. Employing a descriptive qualitative approach, data were collected from academic literature, official documents, historical sources, and expert interviews. The research focuses on key Sharia financial transactions, including murabahah, mudarabah, musyarakah, ijarah, and sukuk, to explore the diversity of fiqh interpretations. The findings reveal significant differences, with the Hanafi and Maliki madhhabs showing greater flexibility and adaptability to socio-economic contexts, while the Shafi'i and Hanbali madhhabs maintain a stricter adherence to religious texts. These differences impact the design and implementation of Sharia-compliant financial products, influencing how they align with diverse fiqh perspectives. This study concludes that such variations highlight the dynamic and adaptable nature of Islamic economic jurisprudence in addressing diverse socio-economic needs. It underscores the importance of harmonizing interpretations to support the globalization of Islamic finance, ensuring inclusivity and sustainability without compromising Sharia principles. This research provides valuable insights into the role of madhhab diversity in shaping the growth and development of Sharia-compliant financial systems.Keywords: Economic Fiqh, Islamic Financial Transactions, Madhhab Comparison, Sharia Finance.
A Review of MUI Fatwa Number 4 of 2003 on the Standardization of Halal Fatwas Regarding the Use of Unusual Food Names in Palangka Raya Putri, Meyrara Widya; Amin, Muhammad; Baihaki, Baihaki
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.17031

Abstract

The food and beverage industry in Palangka Raya City is growing rapidly, encouraging business actors to innovate by giving food names that reflect uniqueness and current trends. However, some of these food names carry negative connotations, raising controversy in a religious context. This study aims to analyze the use of unusual food names in Palangka Raya City based on MUI Fatwa Number 4 of 2003 on halal standardization. The research employs a normative legal method, using legal argumentation to address the issue. The results show that the use of food names such as Ketuyung Satan, Dr. Satan Noodles (Acute, Chronic, Inpatient, Emergency, and Critical/Coma), BurgPorn, Naughty Noodles, Crazy Rice, and Crazy Spicy Pentol does not comply with the provisions of MUI Fatwa Number 4 of 2003. The fatwa states that food and drink names must not lead to disbelief, falsehood, or prohibited elements, except for traditional names ('urf) that are guaranteed not to contain unlawful components. These findings highlight the importance of integrating innovation in food naming with adherence to religious norms. Keywords: MUI Fatwa; Use Food Names; Halal Food; Palangka Raya.
A Comparative Analysis of Consumption Theories by Harold Domar and Monzer Kahf and Their Impact on National Economic Policies Nurjamil, Nurjamil; Athoillah, Anton
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.18863

Abstract

This study aims to compare the consumption theories of Harold Domar and Monzer Kahf, highlighting their differences and implications for national economic policies. The research uses a qualitative approach and a literature review method to analyse the theories through a descriptive-comparative framework. Harold Domar’s theory adopts a traditional economic perspective, emphasising the relationship between income, savings, and investment as drivers of consumption and economic growth. Domar’s model provides a solid foundation for fiscal and monetary policies that stimulate growth through investment and consumption. In contrast, Monzer Kahf’s theory presents a holistic approach rooted in Islamic principles, integrating psychological, social, and cultural factors into consumption behaviour. Kahf emphasises ethical consumption, moderation, and social justice, aligning economic activities with spiritual values and sustainability. His framework incorporates key Islamic concepts such as At-Tayyibat (all that is good) and Ar-Rizq (provisions from God), advocating for consumption that fulfils material and spiritual needs while avoiding extravagance (israf) and wastefulness (tabzir). The findings reveal that while Domar’s theory is highly relevant for data-driven economic analysis and traditional policy planning, Kahf’s approach offers an ethical and inclusive perspective that addresses contemporary challenges like environmental sustainability and social welfare. This study concludes that both theories when combined, provide a comprehensive basis for crafting sustainable and equitable national economic policies.Keywords: Harold Domar, Monzer Kahf, Consumption Theory, Economic Policy, Islamic Economics, Moderation, Sustainability
Analysis of the Dynamics of Sharia Economic Law Regulation in Indonesia Fitriansyah, Helmi; Komaruddin, Koko
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.18257

Abstract

The regulation of Sharia economic law in Indonesia reflects the government’s commitment to aligning financial and economic systems with Islamic principles. These regulations aim to foster transparency, financial stability, consumer protection, and innovation in Sharia-compliant financial products and services. This study employs a literature review approach, analyzing Indonesian legislation, regulatory updates from the Financial Services Authority (OJK), and relevant academic literature to understand the dynamics and development of Sharia economic law. The findings highlight the dynamic evolution of Sharia economic law, driven by regulatory reforms and the growth of Islamic financial institutions. Key areas of focus include advancing Sharia financial technology (fintech), enhancing Sharia financial literacy, and strengthening international cooperation. Regulatory updates by OJK emphasize transparency, accountability, and consumer protection, while fostering innovation to meet complex market demands. Despite significant progress, challenges remain in implementing oversight mechanisms and integrating technological innovations. The development of specialized regulations covering areas like waqf, zakat, and Islamic banking underscores the dynamic interaction between societal demand and regulatory responses. Sharia economic law regulations in Indonesia play a pivotal role in national economic development.Keywords: Sharia Economic Law, Regulation, Dynamics, Financial Technology.

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