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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
 19   20   21   22   23 
Effectiveness of Zakat Distribution as a Sharia-Based Social Finance Instrument: Study BSI Scholarship Inspiration Program Umami Hasibuan, Rima; Syahbudi, Muhammad; Syarvina, Wahyu
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.21307

Abstract

Poverty remains a significant barrier to economic development and access to higher education, particularly among underprivileged families. As a sharia-based social finance instrument, zakat has the potential to alleviate these barriers by supporting educational access through targeted programs. This study examines the effectiveness of zakat distribution managed by BSI Maslahat through its educational initiative, the BSI Scholarship Inspirasi program, aimed at underprivileged university students in North Sumatra. The research analyzes the program’s effectiveness using four key indicators: target accuracy, program socialization, goal achievement, and monitoring. Employing a qualitative approach combined with standard effectiveness measurement and Confirmatory Factor Analysis (CFA) via JASP software, the study uses purposive sampling to select student awardees as respondents. The results show that the overall implementation of the program is categorized as highly effective, with the highest achievement in the monitoring indicator (94%), followed by target accuracy (92%), goal achievement (91%), and program socialization (89%). These findings indicate that zakat distribution through the BSI Scholarship Inspirasi functions effectively as a sharia-compliant social finance tool and has a positive impact on its beneficiaries in higher education institutions across North Sumatra.Keywords: Scholarship; BSI Maslahat; BSI Scholarship Inspiration; Zakat Fund; Effectiveness
Protection of Personal Data Abuse in Online Lending in Indonesia Hanafi, Sahrul
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.20386

Abstract

The misuse of personal data in online lending in Indonesia has become an important issue alongside the rapid growth of the digital finance sector. This study aims to analyze personal data protection in the context of online lending, focusing on Law No. 27 of 2022 and POJK No. 22 of 2023. The method used is a normative legal approach with a descriptive-analytical approach, which includes an analysis of legislation and data protection practices in the industry. The research subjects include both regulations and how they are applied in practice. Data collection techniques were conducted through document studies, including analysis of laws, regulations, and related literature. The main theory used is the theory of personal data protection, which emphasizes individual rights and the responsibilities of data controllers. The results of the study show that Law No. 27 of 2022 and POJK No. 22 of 2023 provide a comprehensive legal framework for personal data protection in online lending, with an emphasis on individual rights and the responsibilities of data controllers. Although this legal framework is already strong, there are still challenges in its implementation, so further efforts are needed to ensure effective personal data protection in this sector. The academic contribution of this research is to provide new insights into the effectiveness of regulations in protecting personal data and to encourage discussion on improving data protection implementation in the digital finance sector.Keywords: Personal Data Protection, Online Lending.
Human Trafficking as an Economic Crime in Aceh: An Islamic Economic Law Perspective on Qanun Jinayat and Gampong Justice Marcelia, Ayendri Serley; Rosyid, Maskur
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.22125

Abstract

Human trafficking constitutes a severe form of economic exploitation and fundamentally contradicts the principles of maqāṣid al-sharī'ah, particularly the preservation of wealth (ḥifẓ al-māl) and life (ḥifẓ al-nafs). This crime harms victims physically and psychologically while undermining their economic rights and disrupting social and economic justice. From the perspective of Islamic economic law, human trafficking is a grave violation of the obligation to uphold economic justice and equitable wealth distribution—core elements of maqāṣid al-sharī'ah. This study aims to analyze and compare the effectiveness of these two legal approaches and to formulate a cooperative and justice-oriented model of resolution. Employing a descriptive qualitative method, data were collected through in-depth interviews, field observations, and document analysis in several regions of Aceh. The findings reveal that the Qanun Jinayat does not explicitly regulate human trafficking offenses, resulting in suboptimal law enforcement. Meanwhile, the Musyawarah Gampong mechanism often fails to ensure adequate protection for victims, creating space for perpetrator impunity. Based on these findings, the study recommends revising the Qanun Jinayat to include specific provisions on human trafficking, enhancing legal training for village authorities, and strengthening legal literacy among the public to bridge the gap between legal norms and social practices. This study positions human trafficking as a violation of the principles of Islamic economic law, which demand distributive justice and the prohibition of exploitation in economic activities. Keywords: human trafficking, Qanun Jinayat, Musyawarah gampong, customary law, justice
The Influence of Service Quality, Price, and Brand on Customer Satisfaction in Hijab Fashion: An Islamic Law Perspective Maharani, Syifa; Mansah, Adi
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.21967

Abstract

This study examines how service quality, price, and brand shape customer satisfaction in the hijab fashion market and interprets the findings through an Islamic law lens (maqāṣid al-sharīʿah). Using a mixed-methods design, we surveyed hijab consumers who had purchased at least twice in the last six months (n = 120; purposive sampling) and complemented the statistics with brief interviews/document reviews. Instruments passed validity–reliability checks and classical assumptions (normality, multicollinearity, heteroskedasticity). Multiple linear regression shows that service quality, price, and brand each have a positive, significant effect; jointly they are significant (F = 13.957, p < 0.001) with R² = 0.265 (Adjusted R² = 0.246), indicating moderate explanatory power. Interpreted normatively, service quality aligns with iḥsān–samḥah (courteous, facilitative service), fair and transparent pricing reflects ‘adl, and trustworthy branding embodies ṣidq–amānah; satisfaction is framed as tarāḍin, supported by khiyār (clear return/exchange). These values cohere with the maqāṣid emphasis on protecting wealth (ḥifẓ al-māl) and avoiding harm while realizing benefit (dar’ al-mafāsid wa jalb al-maṣāliḥ). Managerially, firms should strengthen after-sales service, price transparency, and honest brand communication, and operationalize Sharīʿah-compliant policies (e.g., clear product information and accessible returns) to foster sustainable satisfaction and loyalty.Keywords: service quality; price; brand; customer satisfaction; Islamic law; maqāṣid al-sharīʿah
Legal Political on Worker Protection in The Provision of Religious Holiday Allowances Nurikah, Nurikah; Jajuli, H.E Rakhmat; Rizki, Muhammad
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.22474

Abstract

The Religious Holiday Allowance (THR) represents a normative right that employers are legally obligated to fulfill as part of fair labor practices. Nevertheless, violations and legal ambiguities persist, particularly following the enactment of Law Number 11 of 2020 on Job Creation, which altered the structure of labor protection in Indonesia. This study employs a doctrinal (normative juridical) research method, combining statutory and conceptual approaches, supported by a comparative analysis of Malaysia, Saudi Arabia, and the Netherlands to examine convergences and divergences in THR regulation. Data were drawn from primary, secondary, and tertiary legal materials and analyzed descriptively and analytically. The results show that Indonesian law, especially the Job Creation Law, does not explicitly regulate THR but delegates it to subordinate instruments such as Government Regulation No. 36 of 2021 and Ministerial Regulation No. 6 of 2016, resulting in weak legal protection and the absence of criminal sanctions for non-compliance. In contrast, Malaysia and Saudi Arabia apply policy-based holiday bonuses grounded in administrative and cultural frameworks, while the Netherlands integrates holiday pay into its statutory wage system (vakantiegeld), ensuring stronger legal certainty. The legal-political analysis highlights a continuing tension between worker protection and employer flexibility within Indonesia’s investment-oriented legal reforms. Strengthening THR governance through clearer statutory mandates and enforceable sanctions is essential to reaffirm THR as a constitutional right consistent with the 1945 Constitution and ILO standards.Keywords: legal politics; worker protection; religious holiday allowance; Job Creation Law; comparative law.
Data Forgery in Indonesian E-Commerce: Harmonizing Sharia Principles and Positive Law for Consumer Protection Atikah, Ika; Hadiat, Hadiat; Febriyani, Dian
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.22089

Abstract

This article aims to analyze how the harmonization between Sharia principles and positive law can strengthen consumer protection against data forgery in Indonesian e-commerce transactions. The background of this study lies in the growing risks of identity manipulation, fictitious transactions, and consumer rights violations in the era of digital trade. Normatively, Sharia emphasizes honesty (sidq) and trustworthiness (amanah) as the foundation of contractual relations, while Indonesia’s positive law provides a formal framework through the ITE Law, the Consumer Protection Law, and the Personal Data Protection Law. The research applies a normative juridical method by examining legislation, fatwas, and relevant literature. The findings show that although positive law offers legal instruments, its enforcement remains weak; meanwhile, Sharia economic law underscores ethical compliance as the basis of protection. The academic contribution of this study is to offer a conceptual framework that integrates Sharia ethics with positive legal regulations to reinforce legal certainty, build consumer trust, and promote the sustainability of Indonesia’s digital economic growth.Keywords: Data Forgery; E-commerce; Consumer Protection; Sharia Economic Law; Positive Law
The Influence of Halal Literacy, Religiosity, Influencer Marketing, and Price on Halal Cosmetic Decisions Nur Aini, Dwi Putri Ayu; Hanifah, Luluk
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.22256

Abstract

The rapid growth of Indonesia’s halal cosmetic sector is driven by increasing halal awareness, religiosity, digital marketing, and fair pricing. However, empirical studies integrating behavioral factors with the Maqashid Shariah framework remain limited, particularly among Generation Z consumers. This study employs a mixed-method sequential explanatory design, beginning with a quantitative survey of 100 Gen Z consumers in East Java, followed by qualitative analysis to interpret the results through Islamic economic law and Maqashid Shariah principles. Quantitative data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing with SPSS 26. The qualitative stage contextualizes findings within hifdz al-dīn, hifdz al-nafs, hifdz al-‘aql, hifdz al-nasl, and hifdz al-māl. The regression results show that Religiosity and Price have a positive and significant effect on purchasing decisions, while Halal Literacy and Influencer Marketing have positive but insignificant effects. Simultaneously, all variables significantly influence purchasing decisions, with an Adjusted R² of 0.792. Price is the most dominant predictor, followed by Religiosity. The findings indicate that Gen Z’s halal cosmetic choices are shaped by economic considerations and religious commitment consistent with Maqashid Shariah. Ethical pricing, credible influencers, and strengthened halal literacy enhance rational, safe, and sharia-compliant consumption. This study contributes to Islamic Economic Law by demonstrating how behavioral and normative factors jointly shape halal purchasing behavior and suggests strengthening halal literacy, BPJPH oversight, and DSN-MUI certification governance for a sustainable halal industry.Keywords: Halal Literacy; Religiosity; Influencer Marketing; Price; Purchasing Decision

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