Aghnina : Jurnal Hukum Ekonomi Syari'ah

Profit-Sharing System Between Durian Orchard Cultivators and Landowners in Kedaloman Village From the Perspective of Islamic Economic Law

indra pratama — 2026-01-31

The profit-sharing system between landowners and durian orchard cultivators in rural areas is often conducted traditionally without written contracts, raising questions regarding fairness and its conformity with the principles of Islamic economic law. This study aims to analyze the practice of the profit-sharing system in Kedaloman Village, Gunung Alip District, Tanggamus Regency, and to assess the extent to which the practice reflects values of justice and sharia principles. The research employs a descriptive qualitative approach, with data collected through observation and in-depth interviews with cultivators and landowners. The findings indicate that the profit-sharing system is based on verbal agreements, with varying distribution patterns such as 50:50 or 60:40, depending on the cultivators’ contributions. This practice operates harmoniously on the basis of trust and local wisdom, although it has not fully complied with sharia principles such as contractual clarity, documentation, and transparency. The study also reveals that limited understanding of Islamic economic concepts and the strong influence of tradition serve as obstacles to the formal implementation of sharia-based systems. Therefore, education and assistance are needed in drafting written cooperation contracts based on the principles of justice, transparency, and voluntary agreement from the perspective of Islamic economic law.

A Review of Fiqh Muamalah, the Compilation of Sharia Economic Law, and DSN–MUI Fatwas on the Ijarah Muntahiyah Bittamlik Contract at BMT Surya Madani

Falaq Nur Ahmad Hasan — 2026-01-31

The Ijarah Muntahiyah Bittamlik (IMBT) contract is applied as a financing scheme for productive assets at BMT Surya Madani. Its implementation is examined based on the principles of Fiqh Muamalah, the Compilation of Sharia Economic Law (KHES), and Fatwa DSN-MUI No. 27/DSN-MUI/III/2002. Data were collected through field studies using interviews, observation, and documentation, and were analyzed using a normative-comparative approach. The findings indicate that the implementation of IMBT at BMT Surya Madani fulfills the pillars and requirements of the ijarah contract and does not involve elements of riba or gharar. The financing mechanism involves asset acquisition by BMT, leasing to members during the contract period, and the transfer of ownership through a grant at the end of the lease term. Although the ijarah contract and the grant promise are set out in a single document, the transfer of ownership is executed only after the lease period ends. This practice complies with KHES Articles 322–329 and the DSN-MUI Fatwa, and functions as an alternative sharia-compliant financing model for micro-based cooperative businesses.

Procedures for Resolving Banking Crimes within Islamic Financial Institutions: A Case Study of Financing Document Forgery in Murabahah Contracts

Roni Nasrulloh — 2026-01-31

This study examines the procedures for resolving banking crimes within Islamic financial institutions, focusing on cases of document forgery in murabahah financing contracts. Murabahah dominates Islamic banking financing in Indonesia, making it particularly vulnerable to fraud arising from weaknesses in internal control, supervision, and document verification. This research aims to analyze the forms of document forgery in murabahah financing and to evaluate the mechanisms for resolving such crimes through internal institutional processes, non-litigation pathways, and litigation channels. Employing a qualitative approach with a case study design, the study utilizes primary data obtained through in-depth interviews with Islamic banking practitioners and law enforcement officials, alongside secondary data from legislation, court decisions, regulatory documents, and academic literature. The findings indicate that document forgery in murabahah financing commonly involves falsification of debtor identities, collateral documents, and transaction records. Resolution procedures generally prioritize internal settlement through audits, disciplinary sanctions, and recovery measures, followed by non-litigation mechanisms such as mediation and arbitration based on Islamic principles. Litigation is pursued when criminal elements are evident, involving both Religious Courts for civil disputes and General Courts for criminal prosecution. From both Islamic law and positive law perspectives, document forgery constitutes a serious violation of legal and ethical norms. The study highlights the importance of strengthening governance, compliance systems, and sharia supervision to prevent and effectively address banking crimes in Islamic financial institutions.

The Implementation Of Mubapay Electronic Transactions At Mambaul Ulum Bata-Bata Islamic Boarding School, Pamekasan, From The Perspective Of Ḥifẓ Al-Māl

Sitti Humairoh — 2026-01-31

This study aims to examine the implementation of the electronic transaction system Mubapay at Pondok Pesantren Mambaul Ulum Bata-Bata Pamekasan and to analyze its conformity with the Islamic principle of ḥifẓ almāl (protection of wealth). Mubapay is a digital innovation in pesantren financial management, used by students and their parents to conduct cashless transactions such as purchasing daily necessities, paying monthly fees, and transferring funds. This research employs a qualitative approach with field research as its method. Data collection techniques include observation, interviews, and documentation. The results indicate that the implementation of mubapay has been effective and well-organized. The system facilitates ease of transaction, transparent financial recording, and allows parental oversight. From the perspective of ḥifẓ al-māl, Mubapay reflects the principle of wealth protection through various aspects such as securing students’ funds from physical loss, controlling spending limits, ensuring transaction transparency, and fostering financial responsibility among students. However, challenges remain, such as limited digital literacy, dependence on network access, and the need to strengthen data security. Overall, the implementation of mubapay can be seen as a form of actualizing Islamic values in pesantren financial management oriented toward blessing and public benefit

Buying and Selling Transactions Using Paid Member Cards From The Perspective of Islamic Economic Law

nadiatul saravina — 2026-01-31

The development of modern trade has introduced various marketing innovations, one of which is the use of paid member cards that offer discounts, shopping points, and exclusive benefits. However, when the use of member cards requires a registration fee, questions arise regarding the clarity of benefits, compliance with the principles of Islamic economic law, and consumer rights protection. This study aims to analyze consumer rights in the use of paid member cards and to evaluate the practice from the perspective of Islamic economic law. The research employed a qualitative descriptive-analytical method with a juridical-empirical approach, through interviews and literature review. The results indicate that the practice of paid member cards has the potential to create uncertainty of benefits and an imbalance between costs and gains, especially when information is not transparent. From the perspective of Islamic economic law, this practice is permissible provided that benefits are clearly defined, free from gharar (uncertainty) and maysir (speculation), and the fees charged are limited to administrative costs. In practice, at Kotty Kosmetik Banda Aceh, some consumers reported a lack of certainty regarding products eligible for discounts, limited information on items that can be redeemed with points, and relatively high registration fees. Therefore, the implementation of information transparency and cost limitation principles is essential to ensure justice, protect consumer rights, and maintain compliance with Islamic economic law.