Journal of Sharia Economic Law

Keselamatan Nasabah Pinjaman Online dalam Perspektif Hukum Islam: Studi Kasus Berdasarkan Konsep Hifdz al-Mal dan Maqasid al- Shariah

M. Abdul Rahman Hakim — 2025-01-05

This research aims to discuss the safety of online loan customers from the perspective of maqashid sharia, which aims to protect the interests and rights of individual people. In this context, maqashid sharia is a guideline to ensure that online loan products not only meet legal aspects according to the country, but must also be in line with ethics and morality as per maqashid sharia principles. The method used is library research, as it has been studied from various sources, such as previous books, laws, books and also related scientific articles. The research results show that the safety of online loan customers from a maqashid sharia perspective is very vulnerable, because online lending practices often result in injustice and economic exploitation, which is contrary to the principles of maqashid sharia. First, Hifdz Al-din emphasized the need for convenience and certainty in sharia muamalah for customers. Second, hifdz al-nafs demands an ethical and safe billing process for the physical safety of customers. Third, hifdz al-aql requires customer mental protection from detrimental withdrawal practices. Fourth, hifdz al-nasb guarantees that the collection process does not destroy the customer's family. Fifth, hifdz al-mal demands transparency of fees and fair interest. Thus, this research underlines the need for stricter regulations in the online lending industry to ensure the protection of customer rights in accordance with the maqashid of Sharia

Tinjauan Hukum Islam Pada Praktik Pembulatan Timbangan Jasa Pengiriman Barang Jet & Tony (J&T) Express Cabang Sumoroto Ponorogo

Sekar Wulandari — 2025-01-05

The background to this research is that Ijarah is an agreement to transfer the right to use a good or service for a certain time through rental payments without being followed by a transfer of ownership of the right. J&T Express goods delivery service Sumoroto branch, where the admin is less transparent in providing information regarding rounding of scales, resulting in some consumers not knowing about this. This problem causes losses for consumers because the rounding carried out tends towards the top, and this final assignment contains the problem formulation (1) what is the practice of rounding the scales carried out at the Sumoroto branch of the J&T Express goods delivery service? , (2) how Islamic law reviews the practice of rounding scales at the J&T Express goods delivery service at the Sumoroto branch. This research uses a qualitative approach and uses observation, interview and documentation procedures. The conclusions are (1) the rounding method used by J&T Express Sumoroto branch is carried out by: Calculating actual weight scales (kilograms) with a weighing tolerance limit of 1.3 kg and scales based on the volume of goods (volumetric), (2) J&T Sumoroto Express Branch rounding practices are carried out with the ijarah system and is said to be valid because it fulfills the requirements and pillars of ijarah, including: aqid, Sighat, ujrah, and benefits. However, in the transactions carried out, the rounding system is not valid in Q.S Hud verse 85 because there is an element of rounding off the scales.

Application of Sharia Marketing to the Chip Paste Marketing Strategy: A Case Study in Babadan Village Patianrowo

Silachi Agusta Adi Putra — 2025-01-07

This study discusses the Home Industry of Pasah Kripik Crafts in Babadan Village, Patianrowo District, Nganjuk, which is able to compete and excel in the market to this day. The Home Industry of Pasah Kripik Crafts has a marketing strategy to increase company revenue by prioritizing product quality. This study analyzes the marketing strategy implemented by the Home Industry of Pasah Kripik Crafts reviewed from the perspective of Sharia Marketing and the impact of the Home Industry of Pasah Kripik Crafts on increasing community income. The researcher used a qualitative method with interview, documentation, and observation data collection techniques. The results of the study showed that the marketing strategy of the Home Industry of Pasah Kripik Crafts using the sharia concept, namely theistic (Rabbaniyah), ethical (Akhlaqiyyah), realistic (Al-Waqi'iyyah), and humanities (Insniyyah) was able to increase company revenue. The conclusion of this study is that the Home Industry of Pasah Kripik Crafts business in Babadan Village, Patianrowo District, Nganjuk is able to compete in the market, and is able to increase the economy of community income.

The Role of Productive Waqf in Improving the Economic Welfare of the Community: Legal Study and Implementation in Digital Waqf Institutions Dompet Dhuafa

Istianah — 2025-04-23

This study discusses how productive waqf plays a role in improving the community's economic welfare through a legal approach and its implementation in the digital era. Digital transformation has changed how waqf is collected, managed, and distributed. A descriptive qualitative study collected data through literature studies, regulatory documentation, and case studies of digital waqf institutions such as Dompet Dhuafa. A legal approach examines regulations, fatwas, and sharia practices that form the basis for the legality of productive waqf. This approach is used to explore and analyze data from various literature sources relevant to the study's focus, namely productive waqf and its role in improving the economic welfare of the community, especially from the legal side and its implementation in digital waqf institutions. This study examines the legal regulations governing productive waqf and analyzes the real implementation in digital institutions. The study results show that the digitalization of waqf can expand community participation and support the community's economic independence through productive waqf programs. However, challenges in terms of literacy, accountability, and strengthening regulations still need to be addressed.

The Influence of Lifestyle and Belief on Purchasing Decisions using the Shopee Paylater featur among INSURI Ponorogo Student

Ririn Supiyah — 2025-04-23

This research aim to determine the influence of lifestyle and beliefs on purchasing decisions using the Shopee Paylater feature among INSURI Ponorogo students. This type of research is descriptive research using a quantitative approach, with data collection procedures through questionnaire and observation techniques. In this study, the population used was INSURI Ponorogo students using a purposive sampling technique which is included in the non-probability sampling technique. The sample in this study was 100 students. The analysis used is multiple linear regression analysis. Multiple linear regression calculations in this research used the Eviews-10 program. The research results show that lifestyle has no partial effect, trust has a partial effect, and lifestyle and trust have a simultaneous effect on purchasing decisions using the Shopee Paylater feature among INSURI Ponorogo students.