Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syari'ah
Iqtishaduna: Scientific Journal of Sharia Economic Law Students is a scientific journal managed and published by the Department of Sharia Economic Law, UIN Alauddin Makassar.
Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar
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KONTRIBUSI PRINSIP USHUL FIQH DALAM PRAKTIK TRANSAKSI DIGITAL TERHADAP KEBERLANJUTAN UMKM
Abstrak Perkembangan financial technology (fintech) telah membawa perubahan besar dalam mekanisme transaksi keuangan, mendorong munculnya model akad baru, proses digitalisasi layanan, serta pola interaksi ekonomi yang semakin cepat dan tanpa batas geografis. Transformasi ini tidak hanya menimbulkan peluang, tetapi juga tantangan regulatif dan etis yang memerlukan pijakan metodologis yang kokoh dalam perspektif hukum Islam. Dalam konteks ini, Ushul Fiqh hadir sebagai kerangka epistemologis dan metodologis yang dapat memberikan arahan bagi penilaian dan pengembangan fintech agar tetap berada dalam koridor syariah. Penelitian ini bertujuan untuk menganalisis kontribusi kaidah-kaidah Ushuliyah dalam merumuskan respons hukum terhadap inovasi fintech, khususnya melalui pembahasan mengenai kaidah perubahan hukum, penerapannya pada akad-akad digital, evaluasi mekanisme transaksi modern, serta peran maqashid syariah dalam menjaga kemaslahatan teknologi. Kaidah-kaidah ini telah lama menjadi pedoman bagi para fuqaha dalam merespons perubahan sosial dan ekonomi, termasuk perkembangan teknologi mutakhir. Metode penelitian menggunakan pendekatan kualitatif berbasis studi literatur dengan menelaah karya-karya klasik ulama ushul seperti al-Syathibi, al-Ghazali, dan al-Amidi, serta literatur kontemporer terkait fintech syariah dan regulasi digital seperti Otoritas Jasa Keuangan dan Bank Indonesia. Selain itu, kajian diperkuat oleh publikasi akademik yang relevan, termasuk riset-riset mengenai Islamic fintech di Asia Tenggara. Hasil kajian menunjukkan bahwa kaidah Ushul Fiqh seperti taghayyur al-ahkam bi taghayyur al-azman wa al-amkan—perubahan hukum sesuai perubahan zaman dan tempat menjadi dasar fleksibilitas syariah dalam menerima inovasi teknologi. Kaidah al-umūr bi maqāshidihā menegaskan bahwa setiap transaksi digital harus dinilai berdasarkan tujuan dan konsekuensinya, termasuk akad-akad elektronik yang kini dilakukan tanpa pertemuan fisik. Sementara itu, kaidah al-ḍarar yuzāl memberikan pedoman untuk menolak model fintech yang berpotensi merugikan pengguna, seperti sistem biaya tersembunyi atau ketidakjelasan mekanisme refund. Kaidah al-yaqīn lā yazūl bi al-shakk juga memiliki implikasi penting dalam validitas persetujuan elektronik (e-consent), keamanan data, dan keabsahan bukti transaksi digital. Dalam konteks akad digital, kaidah-kaidah tersebut memberi panduan terkait kejelasan objek akad, mekanisme persetujuan elektronik, transparansi syarat, pencegahan gharar, serta jaminan keamanan data pada layanan seperti e-payment, digital escrow, crowdfunding syariah, dan peer-to-peer lending. Berbagai riset menunjukkan bahwa risiko fintech modern terutama terkait information asymmetry, data privacy, dan ketidakjelasan struktur biaya, sehingga kaidah fiqh berfungsi memberikan arah normatif untuk meminimalkan potensi kerugian dan ketidakjelasan. Kata Kunci: Ushul Fiqh, Financial Technology, Kaidah Ushuliyah, Maqashid Syariah, Transformasi Digital, Hukum Transaksi Modern. Abstract The development of financial technology (fintech) has brought major changes in the mechanism of financial transactions, encouraging the emergence of new contract models, service digitization processes, as well as patterns of economic interaction that are increasingly fast and without geographical boundaries. This transformation poses not only opportunities, but also regulative and ethical challenges that require a solid methodological footing in the perspective of Islamic law. In this context, Usul Fiqh is present as an epistemological and methodological framework that can provide direction for the assessment and development of fintech in order to remain within the Sharia corridor. This study aims to analyze the contribution of Ushuliyah rules in formulating legal responses to fintech innovation, especially through discussion of the rules of legal changes, their application to digital contracts, evaluation of modern transaction mechanisms, and the role of maqashid syariah in maintaining the benefit of technology. These rules have long been guidelines for fuqaha in responding to social and economic changes, including the development of cutting-edge technology. The research method uses a qualitative approach based on literature studies by examining the classic works of usul scholars such as al-Syathibi, al-Ghazali, and al-Amidi, as well as contemporary literature related to Sharia fintech and digital regulation such as the Financial Services Authority and Bank Indonesia. In addition, the study was reinforced by relevant academic publications, including research on Islamic fintech in Southeast Asia. The results showed that the rule of Usul Fiqh such as taghayyur al-ahkam bi taghayyur al-azman wa al—amkan-changes in law according to changes in time and place became the basis of Sharia flexibility in accepting technological innovation. The rule of al-umūr bi maqāshidihā asserts that every digital transaction must be assessed based on its purpose and consequences, including electronic contracts that are now carried out without physical meetings. Meanwhile, the AL-ḍarar yuzāl rule provides guidelines for rejecting fintech models that have the potential to harm users, such as hidden fee systems or the vagueness of refund mechanisms (Al-Zuhayli, 2008). The rule of al-yaqīn lā yazūl bi Al-shakk also has important implications in the validity of electronic consent (e-consent), data security, and the validity of proof of digital transactions. In the context of digital contracts, the rules provide guidance regarding the clarity of the contract object, electronic approval mechanisms, transparency of terms, gharar prevention, and data security guarantees on services such as e-payment, digital escrow, Sharia crowdfunding, and peer-to-peer lending. Various research shows that modern fintech risks are mainly related to information asymmetry, data privacy, and unclear cost structures, so that fiqh rules function to provide normative directions to minimize potential losses and vagueness. Keywords: Ushul Fiqh, Financial Technology, Ushuliyah Rules, Maqashid Syariah, Digital Transformation, Modern Transaction Law.
Copyright (c) 2025 Ummi Kaltsum Karunianing Utami, Moh. Bahrudin, Syamsul Hilal https://creativecommons.org/licenses/by/4.0
PEMANFAATAN GADAI SAWAH OLEH MURTAHIN PERSPEKTIF FATWA NOMOR 25/DSN-MUI/III/2002 (Studi Kasus Desa Jurang Kuwung, Kec. Eromoko Kab. Wonogiri)
Abstrak Penelitian ini bertujuan untuk mendiskusikan praktik pemanfaatan gadai sawah dengan ketentuan Fatwa DSN-MUI Nomor 25 Tahun 2002 dan menguraikan rekomendasi perbaikan mekanisme gadai sawah yang berkeadilan di Desa Jurang Kuwung, Kec. Eromoko Kab. Wonogiri. Pendekatan kualitatif dengan desain studi kasus merupakan metodologi penelitian yang digunakan. Teknik pengumpulan data meliputi observasi, dokumentasi, dan wawancara. Temuan penelitian menunjukkan bahwa praktik gadai sawah di Desa Jurang Kuwung semata-mata didasarkan pada tradisi daerah dan tidak sesuai dengan Fatwa DSN-MUI Nomor 25/DSN-MUI/III/2002. Dengan demikian, agar sistem sesui diperlukan langkah-langkah spesifik dengan: Melibatkan diri dalam edukasi yang luas tentang ketentuan-ketentuan gadai syariah melalui kajian agama, sosialisasi tokoh agama, dan kerja sama dengan perangkat desa. sesuai dengan fatwa DSN-MUI, semua transaksi gadai sawah wajib dituangkan dalam perjanjian tertulis. Diadakan akad resmi antara rahin dan murtahin yang mengatur bagaimana hasil pengelolaan yang akan ditentukan. Untuk mengawasi pelaksanaan transaksi gadai sawah dan menyelesaikan konflik yang mungkin terjadi. Menyusun peraturan lokal berbentuk peraturan desa yang mengadopsi ketentuan Fatwa DSN-MUI. Melakukan izin dengan orang-orang yang bersangkutan dengan kesepakatan mengenai hasil dengan hasil dan kerugian kerugian. Implikasi penelitian ini yakni dapat menguatkan pemahaman mengenai gadai sawah yang sesuai bagi berbagai pihak. Kata Kunci: Gadai Sawah, Murtahin, Fatwa Nomor 25/DSN-MUI/III/2002. Abstract This study aims to discuss the practice of utilizing rice field pawning in accordance with the provisions of the DSN-MUI Fatwa Number 25 of 2002 and outline recommendations for improving the fair rice field pawning mechanism in Jurang Kuwung Village, Eromoko District, Wonogiri Regency. A qualitative approach with a case study design is the research methodology used. Data collection techniques include observation, documentation, and interviews. The research findings indicate that the practice of rice field pawning in Jurang Kuwung Village is solely based on local traditions and does not comply with the DSN-MUI Fatwa Number 25/DSN-MUI/III/2002. Thus, in order for the system to be in accordance with specific steps, it is necessary to: Involve oneself in broad education about the provisions of sharia pawning through religious studies, outreach to religious leaders, and cooperation with village officials. In accordance with the DSN-MUI fatwa, all rice field pawning transactions must be stated in a written agreement. An official agreement is held between the rahin and murtahin which regulates how the results of the management will be determined. To oversee the implementation of rice paddy mortgage transactions and resolve potential conflicts. To formulate local regulations in the form of village regulations that adopt the provisions of the DSN-MUI Fatwa. To obtain permits from the relevant parties, agreeing on the results and losses. The implications of this research are that it can strengthen the understanding of rice paddy mortgages that are appropriate for various parties. Keywords: Pawning of Rice Fields, Murtahin, Fatwa Number 25/DSN-MUI/III/2002.
Copyright (c) 2025 Kristina Dwi Indriastuti, Rial Faudi https://creativecommons.org/licenses/by/4.0
TANGGUNG JAWAB SOSIAL DAN PRIVASI KONSUMEN PADA FINTECH: INVESTIGASI KUALITATIF DILEMA ETIKA DIGITAL
Abstrak Dengan pertumbuhan industri fintech Indonesia yang cepat, banyak masalah etika digital muncul terkait perlindungan privasi konsumen dan tanggung jawab sosial perusahaan (CSR). Dilema etika digital, peran CSR, dan dampak regulasi terhadap praktik fintech di Indonesia antara tahun 2023-2025 adalah subjek penelitian ini. Metode penelitian adalah pendekatan kualitatif deskriptif yang menggunakan analisis data sekunder dari laporan Bank Indonesia, laporan OJK, dan publikasi perusahaan fintech. Hasil penelitian menunjukkan bahwa meskipun fintech membantu inklusi keuangan, pelanggaran privasi tetap menjadi masalah utama. Walaupun sektor fintech memerlukan penguatan besar untuk mencapainya, CSR mulai mengambil langkah strategis untuk memastikan keamanan data dan pemberdayaan masyarakat. Untuk mendorong industri menuju kepatuhan dan keamanan digital, OJK dan aturan bank Indonesia memainkan peran penting, tetapi masih ada masalah dalam menerapkannya, terutama yang berkaitan dengan sumber daya manusia dan literasi.Implikasi penelitian ini menggarisbawahi pentingnya sinergi antara penerapan CSR yang efektif, regulasi adaptif, dan edukasi digital untuk mendorong pertumbuhan fintech yang inklusif dan berkelanjutan di Indonesia. Kata kunci: Tanggung Jawab Sosial; Privasi Konsumen; Etika Digital. Abstract With the rapid growth of Indonesia's fintech industry, many digital ethical issues have emerged regarding the protection of consumer privacy and corporate social responsibility (CSR). The digital ethical dilemma, the role of CSR, and the impact of regulations on fintech practices in Indonesia between 2023-2025 are the subjects of this research. The research method is a descriptive qualitative approach that uses secondary data analysis from Bank Indonesia reports, OJK reports, and fintech company publications. The research results show that although fintech helps financial inclusion, privacy violations remain a major problem. Although the fintech sector requires major strengthening to achieve this, CSR is starting to take strategic steps to ensure data security and community empowerment. To push the industry towards digital compliance and security, OJK and Indonesian bank regulations play an important role, but there are still problems in implementing them, especially those related to human resources and literacy. The implications of this research underline the importance of synergy between effective CSR implementation, adaptive regulations, and digital education to encourage inclusive and sustainable fintech growth in Indonesia. Keywords: Social Responsibility; Consumer Privacy; Digital Ethics.
Copyright (c) 2025 Driyan Andika, Agung Cahyadi, Cory Vidiati https://creativecommons.org/licenses/by/4.0
DIGITALISASI EKONOMI ISLAM BERBASIS MAQĀṢID AL-SYARĪ‘AH: INTEGRASI ARTIFICIAL INTELLIGENCE DAN FINTECH SYARIAH DALAM MEWUJUDKAN KEADILAN EKONOMI
Abstrak Penelitian ini bertujuan untuk menganalisis integrasi Artificial Intelligence (AI) dan fintech syariah dalam kerangka maqāṣid al-syarī‘ah sebagai upaya mewujudkan keadilan ekonomi dalam sistem keuangan Islam. Pendekatan penelitian yang digunakan adalah kualitatif-deskriptif melalui studi kepustakaan dan wawancara mendalam dengan para pakar ekonomi Islam serta praktisi fintech syariah. Hasil penelitian menunjukkan bahwa penerapan AI dalam ekosistem keuangan syariah berperan penting dalam meningkatkan efisiensi, transparansi, dan akurasi sistem keuangan sekaligus memperluas inklusi keuangan berbasis nilai-nilai syariah. Integrasi AI dan fintech syariah juga berkontribusi terhadap pencapaian lima tujuan utama maqāṣid al-syarī‘ah, yaitu perlindungan agama (ḥifẓ al-dīn), jiwa (ḥifẓ al-nafs), akal (ḥifẓ al-‘aql), keturunan (ḥifẓ al-nasl), dan harta (ḥifẓ al-māl). Penelitian ini menegaskan bahwa digitalisasi ekonomi Islam tidak hanya berorientasi pada efisiensi teknologi, tetapi juga berfungsi sebagai transformasi nilai yang mendukung terciptanya sistem ekonomi yang adil, etis, dan berkelanjutan sesuai prinsip syariah. Kata kunci: maqāṣid al-syarī‘ah, digitalisasi ekonomi Islam, artificial intelligence, fintech syariah, keadilan ekonomi. Abstract This study aims to analyze the integration of Artificial Intelligence (AI) and Islamic financial technology (fintech) within the framework of maqāṣid al-syarī‘ah to promote economic justice in the Islamic financial system. Using a qualitative-descriptive approach, the research employs literature review and in-depth interviews with Islamic economic experts and fintech practitioners. The findings reveal that the application of AI in Islamic finance significantly enhances efficiency, transparency, and system accuracy, while also expanding financial inclusion based on Sharia values. The integration of AI and Islamic fintech contributes to achieving the five core objectives of maqāṣid al-syarī‘ah: protection of religion (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-‘aql), lineage (ḥifẓ al-nasl), and wealth (ḥifẓ al-māl). This research concludes that the digitalization of the Islamic economy is not merely a technological advancement but also a value-driven transformation that supports the creation of a just, ethical, and sustainable economic system in accordance with Islamic principles. Keywords: maqāṣid al-syarī‘ah, Islamic digital economy, artificial intelligence, Islamic fintech, economic justice.
Copyright (c) 2025 Ana Sahroni, Cory Vidiati https://creativecommons.org/licenses/by/4.0
ETIKA INTERAKSI MENANTU DAN MERTUA DALAM FILM NORMA PERSPEKTIF HUKUM ISLAM
Abstrak Film Norma: Antara Mertua dan Menantu merepresentasikan relasi menantu–mertua yang problematis dan berpotensi melanggar etika mushāharah dalam hukum Islam. Penelitian ini bertujuan menilai batas interaksi kedua tokoh dalam film tersebut melalui perspektif fikih keluarga, terutama konsep aurat mahram, larangan khalwat dan ikhtilāṭ, serta maqāṣid al-syarī‘ah terkait penjagaan kehormatan (ḥifẓ al-‘irdh). Menggunakan metode hukum normatif dengan pendekatan konseptual dan analisis kasus, penelitian ini menelaah film sebagai teks sosial dan mencocokkannya dengan norma fikih klasik serta ketentuan hukum positif yang relevan. Hasil penelitian menunjukkan bahwa interaksi fisik dan emosional antara Irfan dan Rina melampaui batas-batas mushāharah, termasuk sentuhan, kedekatan yang berpotensi fitnah, serta situasi khalwat yang dilarang syariat. Analisis maqāṣid menegaskan bahwa perilaku tersebut merusak kehormatan keluarga dan bertentangan dengan prinsip pencegahan kerusakan moral. Penelitian ini menyimpulkan bahwa film Norma menampilkan representasi yang tidak sesuai dengan etika keluarga Muslim, serta menegaskan pentingnya literasi etika keluarga dan sensitivitas nilai syariat dalam produksi film bertema keluarga. Kata kunci: mushāharah, etika keluarga Islam, khalwat, maqāṣid al-syarī‘ah, analisis film. Abstract The film Norma: Between Mother-in-law and Daughter-in-law represents a problematic relationship between daughter-in-law and mother-in-law that has the potential to violate the ethics of mushāharah in Islamic law. This study aims to assess the limits of interaction between the two characters in the film through the perspective of family fiqh, especially the concepts of aurat mahram, the prohibition of khalwat and ikhtilāṭ, and maqāṣid al-syarī‘ah related to the preservation of honor (ḥifẓ al-‘irdh). Using a normative legal method with a conceptual approach and case analysis, this study examines the film as a social text and compares it with classical fiqh norms and relevant positive legal provisions. The results show that the physical and emotional interactions between Irfan and Rina exceed the limits of mushāharah, including touching, closeness that has the potential for slander, and situations of khalwat that are prohibited by sharia. Maqāṣid analysis confirms that such behavior damages family honor and contradicts the principle of preventing moral corruption. This study concludes that the film Norma presents representations that are not in accordance with Muslim family ethics, and emphasizes the importance of family ethics literacy and sensitivity to Sharia values in the production of family-themed films. Keywords: mushāharah, Islamic family ethics, khalwat, maqāṣid al-syarī‘ah, film analysis.
Copyright (c) 2025 Widia Usada, Heri Firmansyah https://creativecommons.org/licenses/by/4.0
PEMENUHAN HAK EKONOMI PEREMPUAN PASCA PERCERAIAN DI PENGADILAN AGAMA PERSPEKTIF TEORI TUJUAN HUKUM GUSTAV RADBRUCH
Abstrak Pengadilan Agama memiliki peran strategis dalam menjamin pemenuhan hak-hak ekonomi perempuan pasca perceraian, mengingat lembaga ini menjadi garda terdepan dalam penyelesaian perkara keluarga umat Islam. Upaya perlindungan terhadap perempuan yang berhadapan dengan hukum telah diperkuat melalui berbagai instrumen hukum progresif, seperti Peraturan Mahkamah Agung Nomor 3 Tahun 2017 tentang Pedoman Mengadili Perkara Perempuan yang Berhadapan dengan Hukum, serta Surat Edaran Mahkamah Agung Nomor 1 Tahun 2017 dan Nomor 2 Tahun 2019 yang membuka ruang penggunaan kewenangan ex officio hakim dalam pemenuhan hak nafkah pasca perceraian. Kendati demikian, praktik peradilan masih menunjukkan adanya ketimpangan dan bias gender. Artikel ini merupakan penelitian hukum normatif dengan pendekatan kepustakaan (library research). Data penelitian bersumber dari peraturan perundang-undangan, putusan pengadilan, buku-buku hukum, serta artikel jurnal yang relevan dengan tema pemenuhan hak ekonomi perempuan pasca perceraian. Analisis dilakukan dengan menggunakan teori tujuan hukum Gustav Radbruch sebagai pisau analisis untuk menilai implementasi nilai keadilan, kepastian hukum, dan kemanfaatan dalam praktik peradilan agama. Hasil penelitian menunjukkan bahwa pemenuhan hak ekonomi perempuan pasca perceraian di Pengadilan Agama masih menghadapi tantangan serius, terutama dalam aspek keadilan dan pelaksanaan putusan. Meskipun secara normatif perangkat hukum telah memadai, implementasinya belum konsisten sehingga menimbulkan kesenjangan antara das sollen dan das sein. Dalam perspektif teori Gustav Radbruch, kondisi ini mencerminkan belum optimalnya orientasi keadilan dan kemanfaatan dalam penegakan hukum. Oleh karena itu, diperlukan penguatan peran hakim melalui pendekatan progresif yang menyeimbangkan nilai keadilan, kepastian hukum, dan kemanfaatan guna mewujudkan keadilan substantif bagi perempuan pasca perceraian. Kata Kunci: Hak Ekonomi Perempuan; Pengadilan Agama; Teori Tujuan Hukum Gustav Radbruch; Keadilan Gender Abstract The Religious Courts play a strategic role in ensuring the fulfillment of women’s economic rights after divorce, as they serve as the primary forum for resolving family law disputes among Muslims in Indonesia. Efforts to protect women in conflict with the law have been strengthened through various progressive legal instruments, including Supreme Court Regulation Number 3 of 2017 on Guidelines for Adjudicating Cases Involving Women in Conflict with the Law, as well as Supreme Court Circular Letters Number 1 of 2017 and Number 2 of 2019, which provide judges with the authority to exercise ex officio powers in deciding post-divorce maintenance rights. Nevertheless, judicial practice still reveals persistent inequality and gender bias. This article employs normative legal research using a library research approach. The data are derived from statutory regulations, court decisions, legal textbooks, and relevant scholarly journal articles addressing the fulfillment of women’s economic rights after divorce. The analysis applies Gustav Radbruch’s theory of the objectives of law as an analytical framework to assess the extent to which the values of justice, legal certainty, and expediency are implemented in religious court practices. The findings indicate that the fulfillment of women’s economic rights after divorce in the Religious Courts continues to face serious challenges, particularly in terms of justice and the enforcement of judicial decisions. Although the legal framework is normatively adequate, its implementation remains inconsistent, resulting in a gap between das sollen and das sein. From the perspective of Gustav Radbruch’s theory, this condition reflects the suboptimal orientation toward justice and expediency in law enforcement. Therefore, strengthening the role of judges through a progressive approach that balances justice, legal certainty, and expediency is essential to realizing substantive justice for women after divorce. Keywords: Women’s Economic Rights; Religious Courts; Gustav Radbruch’s legal theory; Gender Justice
Copyright (c) 2025 Isyaq Maulidan https://creativecommons.org/licenses/by/4.0
MAKNA KERUGIAN NEGARA DALAM UU NO. 31 TAHUN 1999 TENTANG PEMBERANTASAN TINDAK PIDANA KORUPSI BESERTA PERUBAHANNYA UU NO. 20 TAHUN 2001 DALAM PERSPEKTIF KONSEP HUKUM H.L.A. HART DAN RONALD DWORKIN
Abstrak Konsep kerugian negara dalam UU 31/1999 jo. UU 20/2001 merupakan elemen sentral dalam pembuktian tindak pidana korupsi di Indonesia. Namun, hingga lebih dari dua dekade penerapannya, konsep ini masih menyisakan perdebatan fundamental baik dalam teori hukum maupun praktik peradilan. Problematika muncul terkait ketidakjelasan definisi kerugian negara, dualisme kewenangan penetapannya antara BPK dan BPKP, hingga kecenderungan kriminalisasi administratif. Dalam banyak kasus, aparat penegak hukum menafsirkan frasa “dapat merugikan negara” secara luas sehingga memunculkan over-criminalization. Penelitian ini menggunakan teori hukum H.L.A. Hart melalui konsep rule of recognition, primary rules, secondary rules, dan open texture of law serta teori Ronald Dworkin melalui prinsip law as integrity, hard cases, dan rights thesis untuk menelusuri akar problematik konsep kerugian negara dalam UU Tipikor. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan perundang-undangan, pendekatan konseptual, dan analisis putusan. Hasil penelitian menunjukkan bahwa ketidakpastian kerugian negara dalam UU Tipikor merupakan cerminan open texture yang tidak diimbangi rule of recognition yang jelas, sedangkan dari perspektif Dworkin, praktik pemaknaan yang terlalu luas telah mengabaikan prinsip fairness dan integritas hukum. Penelitian ini menyimpulkan bahwa kerugian negara harus dimaknai sebagai kerugian yang nyata dan pasti, ditetapkan oleh lembaga audit konstitusional, serta diterapkan secara proporsional dan humanistik sesuai prinsip moral yang inheren dalam hukum. Kata kunci: kerugian negara, tindak pidana korupsi, H.L.A. Hart, Ronald Dworkin, rule of recognition, law as integrity. Abstract The concept of state financial loss in Indonesia’s anti-corruption legal regime primarily regulated under Law No. 31 of 1999 as amended by Law No. 20 of 2001 remains one of the most contested elements in the prosecution of corruption cases. Despite its central role, the law does not provide an explicit definition of state financial loss, resulting in divergent interpretations among law enforcers, auditors, and courts. Disputes persist regarding whether the element requires an actual and quantifiable loss or whether a potential loss is sufficient to meet the threshold of criminal liability. The dual authority between the Audit Board of the Republic of Indonesia (BPK) and the Financial and Development Supervisory Agency (BPKP) further complicates the legal landscape, creating inconsistency in the determination and validity of state financial losses used as evidence in corruption cases. Using a normative legal research method and a philosophical approach, this study examines the meaning of state financial loss through the theoretical lens of H.L.A. Hart and Ronald Dworkin. Hart’s concepts of primary and secondary rules, rule of recognition, and open texture expose the structural weaknesses and normative ambiguities inherent in the statutory formulation of corruption offences. Meanwhile, Dworkin’s theories of law as integrity, hard cases, and the rights thesis offer a moral interpretive framework that highlights the importance of coherence, fairness, and proportionality in criminal adjudication. The findings reveal that the current interpretation and application of state financial loss often fail to satisfy the principles of legal certainty, constitutional coherence, and substantive justice. The reliance on potential losses and non-constitutional auditors contradicts both Hart’s requirement for a clear rule of recognition and Dworkin’s insistence on moral integrity in judicial reasoning. The study concludes that state financial loss must be interpreted strictly as actual, definite, and constitutionally verified loss, to prevent administrative errors from being criminalized and to ensure the legitimacy of anti-corruption enforcement within a democratic rule of law framework. Keywords: state financial loss, corruption, H.L.A. Hart, Ronald Dworkin, rule of recognition, law as integrity, legal certainty.
Copyright (c) 2025 Muhammad Yaasiin Raya, Joko Priyono https://creativecommons.org/licenses/by/4.0
KONTRIBUSI ISTISHAB SEBAGAI PENETAPAN HUKUM TERHADAP EKONOMI MODERN
Abstrak Salah satu pendekatan ijtihad yang paling penting dalam ushul fiqh adalah istishab, yang bertujuan untuk mempertahankan keberlakuan hukum asal hingga ditemukan bukti yang dapat mengubahnya. Tujuan dari penelitian ini adalah untuk memberikan penjelasan tentang konsep dasar istishab, jenisnya, dasar syar'inya, dan peranannya dalam praktik ekonomi syariah modern. Studi literatur tentang berbagai kitab ushul fiqh klasik dan kontemporer, serta artikel ilmiah yang relevan, digunakan sebagai metode penelitian. Hasil penelitian menunjukkan bahwa istishab memainkan peran penting dalam menjamin kepastian hukum, stabilitas akad, dan perlindungan hak dalam berbagai transaksi muamalah kontemporer. Istishab al-ibahah al-ashliyyah menjadi dasar untuk inovasi dalam ekonomi digital, seperti fintech, e-commerce, dan layanan keuangan syariah, selama tidak ada bukti yang melarang atau bertentangan dengan prinsip syariah. Adapun istishab al-hukm membantu dalam penetapan keabsahan perjanjian dan penyelesaian sengketa kepemilikan. Selain itu, penelitian ini menemukan bahwa istishab memiliki peran penting dalam menjaga keadilan dan kemaslahatan ekonomi, dengan memberikan kepastian hukum pada transaksi, melindungi hak kepemilikan dan hak kontraktual para pihak, serta mewujudkan keadilan melalui prinsip bahwa keraguan tidak dapat menghilangkan keyakinan, tetapi harus digunakan dengan hati-hati dan dikombinasikan dengan metode ijtihad lain untuk mencegah stagnasi hukum. Oleh karena itu, istishab membantu menjembatani prinsip hukum Islam klasik dengan dinamika ekonomi syariah kontemporer serta mendukung pembentukan sistem ekonomi yang adil, fleksibel, dan berorientasi pada keadilan. Kata Kunci: Istishab, Muamalah, Ekonomi Syariah, Kepastian Hukum, Keadilan. Abstract One of the most important ijtihad approaches in usul fiqh is istishab, which aims to maintain the enforceability of the original law until evidence is found that can change it. The purpose of this study is to provide an explanation of the basic concept of istishab, its types, the basis of Sharia, and its role in modern Sharia economic practice. The study of literature on various classical and contemporary usul fiqh books, as well as relevant scientific articles, was used as a research method. The results show that istishab plays an important role in ensuring legal certainty, contract stability, and rights protection in various contemporary muamalah transactions. Istishab Al-ibahah al-ashliyyah forms the basis for innovation in the digital economy, such as fintech, e-commerce, and Islamic financial services, as long as there is no evidence that it prohibits or contradicts sharia principles. The istishab Al-hukm assists in the determination of the validity of the agreement and the resolution of ownership disputes. In addition, the study found that istishab has an important role in maintaining justice and economic benefit, by providing legal certainty to transactions, protecting the ownership rights and contractual rights of the parties, and realizing justice through the principle that doubt cannot eliminate belief, but must be used with caution and combined with other ijtihad methods to prevent legal stagnation. Therefore, istishab helps to bridge the principles of classical Islamic law with contemporary Sharia economic dynamics and supports the establishment of a fair, flexible, and justice-oriented economic system Keywords: Istishab, Muamalah, Sharia Economy, Legal Certainty, Justice
Copyright (c) 2025 Laili Fathul Hidayah, Moh. Bahrudin, Syamsul Hilal https://creativecommons.org/licenses/by/4.0
REVIEW UJRAH PADA AKAD IJARAH JASA RENTAL MOBIL PERSKETIF FIQH MUAMALAH (Analisis Pada Fatwa Nomor 56/DSN-MUI/V/2007)
Abstrak Perkembangan bisnis rental mobil syariah memunculkan berbagai isu terkait penerapan akad ijarah, khususnya dalam aspek penetapan ujrah dan perlindungan para pihak yang terlibat. Penelitian ini bertujuan menganalisis implementasi akad ijarah pada bisnis rental mobil berdasarkan Fatwa DSN-MUI Nomor 56/DSNMUI/III/2006 dengan perspektif fiqh muamalah, serta mengkaji solusi atas permasalahan yang sering muncul dalam praktiknya. Menggunakan metode penelitian kualitatif dengan pendekatan normatif-empiris, studi ini menganalisis sumber primer berupa fatwa DSN-MUI dan literatur fiqh muamalah, serta data lapangan dari praktik rental mobil syariah. Hasil penelitian menunjukkan beberapa isu krusial seperti penetapan ujrah yang berkaitan dengan komponen biaya tambahan, sistem deposit, pertanggungan risiko, dan penyelesaian wanprestasi memerlukan kerangka penerapan yang sesuai prinsip syariah. Kesimpulannya, implementasi akad ijarah dalam rental mobil membutuhkan standardisasi yang komprehensif meliputi aspek akad, operasional, dan perlindungan konsumen dengan tetap memperhatikan keseimbangan hak dan kewajiban para pihak berdasarkan prinsip syariah. Kata Kunci: Ijarah, Rental Mobil, Fatwa DSN-MUI, Fiqh Muamalah. Abstract The development of the sharia car rental business raises various issues related to the implementation of ijarah contracts, especially in the aspect of determining ujrah and protecting the parties involved. This study aims to analyze the implementation of ijarah contracts in the car rental business based on DSN-MUI Fatwa Number 56/DSNMUI/III/2006 with the perspective of fiqh muamalah, as well as examine solutions to problems that often arise in practice. Using a qualitative research method with a normative-empirical approach, this study analyzes primary sources in the form of DSN-MUI fatwa and muamalah fiqh literature, as well as field data from sharia car rental practices. The results of the study show that several crucial issues such as the determination of ujrah related to the additional cost component, the deposit system, risk insurance, and the settlement of defaults require an application framework in accordance with sharia principles. In conclusion, the implementation of the ijarah contract in car rental requires comprehensive standardization including aspects of contracts, operations, and consumer protection while still paying attention to the balance of rights and obligations of the parties based on sharia principles. Keywords: Ijarah, Car Rental, DSN-MUI Fatwa, Fiqh Muamalah.
Copyright (c) 2025 Istia Latifatul Hasanah https://creativecommons.org/licenses/by/4.0
TRANSFORMASI SOSIAL DI ERA DIGITAL: DARI TATAP MUKA KE KLIK DAN KONEKSI
Abstrak Transformasi sosial di masa kini adalah fenomena yang terjadi di seluruh dunia, dengan perubahan besar dalam cara masyarakat berstruktur, berpikir, dan berinteraksi. Perkembangan teknologi informasi dan komunikasi menjadi penyebab utama perubahan ini. Penelitian ini bertujuan untuk mengamati proses dan dampak dari transformasi sosial digital terhadap cara berkomunikasi, pembentukan identitas di dunia maya, serta masalah keterampilan dan etika dalam penggunaan internet. Metode yang digunakan adalah kualitatif deskriptif dengan pendekatan studi literatur, yaitu menganalisis buku, jurnal, dan laporan organisasi internasional. Hasil penelitian menunjukkan bahwa teknologi digital telah menciptakan masyarakat yang saling terhubung (network society), di mana hubungan sosial tidak hanya terbatas di dalam ruang fisik, tetapi diperlebar melalui media sosial dan platform online. Selain itu, gagasan desa global menunjukkan bahwa manusia dapat terhubung tanpa batas waktu dan jarak. Identitas digital menjadi ruang baru untuk mengekspresikan diri, yang memengaruhi cara hidup dan interaksi sosial. Literasi digital mempunyai dampak besar terhadap kehidupan sosial: di satu sisi, ia membantu meningkatkan kemampuan berpikir kritis, akses informasi, dan partisipasi masyarakat; di sisi lain, ia juga bisa menyebabkan penyebaran informasi yang tidak benar, ketimpangan akses internet, dan penurunan etika dalam berkomunikasi. Karena itu, meningkatkan literasi dan etika digital menjadi hal penting untuk menciptakan transformasi sosial yang lebih adil, inklusif, dan berkelanjutan di tengah era digital. Kata kunci: transformasi sosial, era digital, komunikasi virtual, literasi digital, masyarakat digital Abstract Social transformation in the present era is a global phenomenon marked by significant changes in the way societies are structured, think, and interact. The development of information and communication technology is the main driver of these changes. This study aims to examine the process and impact of digital social transformation on communication patterns, the formation of online identities, as well as issues related to skills and ethics in internet use. The research employs a descriptive qualitative method with a literature study approach, analyzing books, journals, and reports from international organizations. The findings reveal that digital technology has created a connected society (network society), where social relationships are no longer confined to physical spaces but expanded through social media and online platforms. Furthermore, the concept of the global village illustrates that humans can connect without the limitations of time and space. Digital identity has become a new space for self-expression, influencing lifestyles and social interactions. Digital literacy has a significant impact on social life: on one hand, it enhances critical thinking skills, access to information, and civic participation; on the other hand, it may lead to the spread of misinformation, unequal internet access, and declining communication ethics. Therefore, improving digital literacy and ethics is essential to create a more just, inclusive, and sustainable social transformation in the digital era. Keywords: social transformation, digital era, virtual communication, digital literacy, digital society
Copyright (c) 2025 Muhammad Nurjati, Cory Vidiati https://creativecommons.org/licenses/by/4.0
ANALISIS DAMPAK IMPLEMENTASI FATWA DSN-MUI TERHADAP KEPATUHAN SYARIAH LKI: TINJAUAN DARI SISI PENGAWASAN BANK INDONESIA
Abstrak Penelitian ini bertujuan untuk menganalisis secara mendalam dampak implementasi Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) terhadap kepatuhan syariah (Sharia Compliance) Lembaga Keuangan Islam (LKI), ditinjau dari perspektif regulasi makroprudensial dan sistem pembayaran Bank Indonesia (BI). Pasca berlakunya UU No. 21 Tahun 2011 dan diperkuat oleh UU P2SK, fungsi pengawasan mikroprudensial beralih ke OJK, namun Bank Indonesia tetap memegang peran sentral dalam menjaga stabilitas sistem keuangan melalui instrumen moneter dan pasar uang syariah. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan yuridis-normatif serta analisis konten terhadap Peraturan Bank Indonesia (PBI) yang diterbitkan antara tahun 2020 hingga 2025. Hasil penelitian menunjukkan bahwa transformasi Fatwa DSN-MUI menjadi regulasi positif Bank Indonesia (PBI/PADG) memiliki korelasi kuat terhadap peningkatan disiplin pasar dan mitigasi risiko reputasi. Regulasi BI berfungsi sebagai enforcement mechanism yang mengubah fatwa dari himbauan moral menjadi kewajiban hukum yang memaksa. Namun, tantangan berupa regulatory lag (ketertinggalan regulasi) terhadap inovasi produk fintech dan kompleksitas harmonisasi lintas otoritas masih menjadi hambatan dalam optimalisasi kepatuhan syariah sistemik. Kata Kunci: Fatwa DSN-MUI, Kepatuhan Syariah, Bank Indonesia, Kebijakan Makroprudensial, Positivisasi Hukum Islam. Abstract This study aims to analyze in depth the impact of the implementation of the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) on sharia Compliance (sharia Compliance) Islamic Financial Institutions (LKI), viewed from the perspective of macroprudential regulation and payment system of Bank Indonesia (BI). When it happened, no. 21 of 2011 and strengthened by the P2SK law, the Microprudential Supervision function was transferred to the OJK, but Bank Indonesia continues to play a central role in maintaining the stability of the financial system through monetary instruments and the Sharia money market. This study uses descriptive qualitative methods with a juridical-normative approach and content analysis of Bank Indonesia regulations (PBI) published between 2020 and 2025. The results showed that the transformation of the DSN-MUI Fatwa into a positive regulation of Bank Indonesia (PBI / PADG) has a strong correlation to improving market discipline and mitigating reputational risks. BI regulation serves as an enforcement mechanism that changes the fatwa from a moral appeal to a compelling legal obligation. However, challenges in the form of regulatory lag on fintech product innovation and the complexity of cross-authority harmonization are still obstacles in optimizing systemic sharia compliance. Keywords: DSN-MUI Fatwa, Sharia compliance, Bank Indonesia, Macroprudential Policy, Positivization of Islamic law
Copyright (c) 2025 Narada Yudha Satria, Fatih Fuadi, Muhammad Iqbal https://creativecommons.org/licenses/by/4.0
INTEGRASI SPIRITUALITAS DAN SOSIAL DALAM CSR PERBANKAN SYARIAH :STUDI KONSEP DAN APLIKASI
Abstrak Penelitian ini membahas tentang integrasi spiritualitas dan sosial dalam implementasi Corporate Social Responsibility (CSR) di perbankan syariah, baik dari aspek konseptual maupun praktik aplikatifnya. CSR dalam perspektif Islam tidak hanya dipandang sebagai aktivitas sosial semata, tetapi juga sebagai ibadah sosial yang berorientasi pada pencapaian maqashid al-syariah, yakni menjaga agama, jiwa, dan harta. Studi ini menggunakan pendekatan kualitatif dengan metode studi kasus dan kajian literatur. Hasil penelitian menunjukkan bahwa program CSR di bank syariah seperti Bank Muamalat Indonesia, Bank Syariah Indonesia (BSI), dan BJB Syariah telah banyak berkontribusi pada kegiatan sosial seperti pemberdayaan UMKM, penyaluran beasiswa, pembangunan fasilitas umum, dan kegiatan pelestarian lingkungan. Namun demikian, sebagian besar program CSR tersebut cenderung berfokus pada aspek sosial yang bersifat simbolik dan belum sepenuhnya mengintegrasikan dimensi spiritual secara eksplisit dalam pelaksanaannya. Tantangan utama dalam pelaksanaan CSR berbasis spiritualitas antara lain adalah kecenderungan komersialisasi CSR dan kurangnya pemahaman praktis tentang maqashid al-syariah di tingkat operasional. Meskipun demikian, peluang penguatan CSR berbasis spiritual tetap terbuka lebar. Dengan pengelolaan CSR yang lebih holistik, bank syariah dapat memperkuat citra sebagai lembaga keuangan yang tidak hanya berorientasi pada profit, tetapi juga pada kemaslahatan umat. Penelitian ini merekomendasikan perlunya pengembangan model CSR syariah yang integratif, sehingga nilai-nilai spiritual dapat terinternalisasi dalam setiap kegiatan sosial perusahaan. Kata Kunci: CSR Syariah, Spiritualitas Korporasi, Maqashid al-Syariah, Perbankan Syariah, Tanggung Jawab Sosial. Abstract This research discusses the integration of spirituality and social in the implementation of Corporate Social Responsibility (CSR) in Islamic banking, both from the conceptual aspect and its applicative practice. CSR in the Islamic perspective is not only seen as a social activity, but also as a social worship that is oriented towards achieving maqashid al-syariah, namely protecting religion, soul, and property. This study uses a qualitative approach with case study method and literature review. The results show that CSR programs in Islamic banks such as Bank Muamalat Indonesia, Bank Syariah Indonesia (BSI), and BJB Syariah have contributed a lot to social activities such as empowering MSMEs, distributing scholarships, building public facilities, and environmental conservation activities. However, most of these CSR programs tend to focus on symbolic social aspects and have not fully integrated the spiritual dimension explicitly in their implementation. The main challenges in implementing spirituality-based CSR include the tendency to commercialize CSR and the lack of practical understanding of maqashid al-syariah at the operational level. Nevertheless, the opportunity to strengthen spirituality-based CSR remains wide open. With more holistic CSR management, Islamic banks can strengthen their image as financial institutions that are not only profit-oriented, but also for the benefit of the people. This study recommends the need to develop an integrative Islamic CSR model, so that spiritual values can be internalized in every corporate social activity. Keywords: Sharia CSR, Corporate Spirituality, Maqashid al-Syariah, Islamic Banking, Social Responsibility.
Copyright (c) 2025 Akbar, Wahyuddin Abdullah, Sumarlin https://creativecommons.org/licenses/by/4.0
OPTIMALISASI PERATURAN DESA SEBAGAI PERANGKAT HUKUM DALAM PENGEMBANGAN SEKTOR PARIWISATA DESA GUNA MENDORONG KEMANDIRIAN EKONOMI DESA
Abstrak Penelitian ini mengkaji Optimalisasi Peraturan Desa sebagai Perangkat Hukum dalam Pengembangan Sektor Pariwisata Desa Guna Mendorong Kemandirian Ekonomi Desa dengan fokus pada kedudukan dan urgensi Peraturan Desa (Perdes) serta perumusan model regulasi desa terbarukan untuk pengembangan pariwisata. Menggunakan metode penelitian hukum normatif, penelitian ini menerapkan pendekatan perundang-undangan dan pendekatan konseptual melalui analisis terhadap Undang-Undang Nomor 6 Tahun 2014 tentang Desa, peraturan turunannya, serta literatur ilmiah yang relevan. Hasil penelitian menunjukkan bahwa Perdes memiliki kedudukan strategis dalam sistem hukum nasional karena berfungsi sebagai dasar hukum pengaturan tata kelola pariwisata desa. Urgensinya terletak pada peran Perdes dalam memberikan kepastian hukum, memastikan pengelolaan pariwisata yang terarah, serta melindungi nilai budaya dan lingkungan yang menjadi basis utama daya tarik wisata desa. Tanpa Perdes yang memadai, potensi konflik, ketidakteraturan tata kelola, dan ketidakseimbangan pemanfaatan sumber daya dapat terjadi. Penelitian ini merekomendasikan model regulasi desa terbarukan yang bersifat adaptif, partisipatif, dan berkelanjutan, meliputi penguatan kelembagaan lokal, pengaturan distribusi manfaat ekonomi, perlindungan aset wisata, dan pemanfaatan teknologi informasi. Model ini diyakini mampu meningkatkan efektivitas pengelolaan pariwisata sekaligus memperkuat kemandirian ekonomi desa melalui peningkatan PADes dan pemberdayaan masyarakat. Kata Kunci: Peraturan, Desa, Pengembangan, Pariwisata, Ekonomi Abstract This study examines the optimization of village regulations as a legal instrument in developing the village tourism sector to encourage village economic independence. It focuses on the status and urgency of village regulations (Perdes) and the formulation of a renewable village regulation model for tourism development. Using normative legal research methods, this study applies a legislative and conceptual approach through an analysis of Law Number 6 of 2014 concerning Villages, its derivative regulations, and relevant scientific literature. The results indicate that village regulations hold a strategic position in the national legal system because they serve as the legal basis for regulating village tourism governance. Their urgency lies in their role in providing legal certainty, ensuring targeted tourism management, and protecting cultural and environmental values, which are the primary basis of village tourism attractions. Without adequate village regulations, potential conflict, irregular governance, and imbalanced resource utilization can arise. This study recommends a renewable village regulation model that is adaptive, participatory, and sustainable, encompassing strengthening local institutions, regulating the distribution of economic benefits, protecting tourism assets, and utilizing information technology. This model is believed to improve the effectiveness of tourism management while strengthening village economic independence through increased village revenue (PADes) and community empowerment. Keywords: Regulations, Village, Development, Tourism, Economy
Copyright (c) 2025 Muchammad Akmal Al Khasyi’ https://creativecommons.org/licenses/by/4.0
JUAL BELI ONLINE DALAM PERSPEKTIF FIKIH MUAMALAH
Abstrak Perkembangan teknologi digital telah mengubah pola transaksi perdagangan dari sistem konvensional menjadi jual beli berbasis online. Praktik jual beli online menawarkan kemudahan dan efisiensi, namun di sisi lain menimbulkan berbagai permasalahan dari perspektif fikih muamalah, seperti ketidakjelasan objek transaksi, keabsahan akad digital, serta potensi terjadinya penipuan dan ketidakadilan. Penelitian ini bertujuan untuk menganalisis praktik jual beli online dalam perspektif fikih muamalah dengan membandingkan kondisi yang terjadi dan kondisi ideal menurut prinsip syariat Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan kajian pustaka (library research), melalui analisis terhadap literatur fikih muamalah, Al-Qur’an, Hadis, serta jurnal ilmiah yang relevan. Hasil kajian menunjukkan bahwa jual beli online pada dasarnya diperbolehkan dalam Islam selama memenuhi rukun dan syarat sah akad, serta terbebas dari unsur gharar, riba, dan penipuan. Permasalahan utama bukan terletak pada media digital, melainkan pada substansi pelaksanaan akad. Oleh karena itu, diperlukan penguatan literasi fikih muamalah dan pengaturan transaksi digital yang berlandaskan prinsip keadilan dan transparansi. Kata Kunci: fikih muamalah, jual beli online, akad, e-commerce. Abstract The development of digital technology has transformed trading transactions from conventional systems to online-based buying and selling. Online transactions offer convenience and efficiency; however, they also raise various issues from the perspective of Islamic jurisprudence (fiqh muamalah), such as ambiguity of transaction objects, validity of digital contracts, and potential fraud. This study aims to analyze online buying and selling practices from the perspective of fiqh muamalah by comparing existing practices with ideal Islamic legal principles. This research employs a qualitative method with a library research approach by examining fiqh muamalah literature, the Qur’an, Hadith, and relevant academic journals. The findings indicate that online buying and selling are permissible in Islam as long as the pillars and conditions of a valid contract are fulfilled and free from gharar, riba, and deception. The main issue lies not in the digital medium but in the substance of contract implementation. Therefore, strengthening fiqh muamalah literacy and establishing transparent and fair digital transaction practices are highly recommended. Keywords: contract, e-commerce, fiqh muamalah, online trading.
Copyright (c) 2025 Abd Ghafur, Kusuma Wijaya, Linda Hidayati https://creativecommons.org/licenses/by/4.0
TINJAUAN YURIDIS PUTUSAN HAKIM TINDAK PIDANA EIGENRICHTING DALAM BENTUK PENGEROYOKAN SECARA TERANG-TERANGAN (PENETAPAN PENGADILAN NEGERI INDRAMAYU NOMOR 190/PID.B/2022/PN. IDM,345/PID.B/2014/PN.IDM, 392/PID.B/2011/PN. IDM)
Abstrak Penelitian ini memfokuskan kajian pada bentuk pertanggungjawaban pidana dalam perkara tindak pidana main hakim sendiri (eigenrichting) pada tiga putusan Pengadilan Negeri Indramayu, yaitu Putusan Nomor 190/Pid.B/2022/Pn.Idm, 345/Pid.B/2014/Pn.Idm, dan 392/Pid.B/2011/Pn.Idm. Objek kajian menitikberatkan pada analisis unsur kesalahan dan pemenuhan asas pertanggungjawaban pidana, serta rasionalitas pertimbangan hakim dalam menentukan berat ringannya pidana. Penelitian menggunakan metode hukum normatif dengan analisis kualitatif terhadap bahan hukum primer berupa putusan dan peraturan perundang-undangan, serta bahan hukum sekunder dari literatur akademik mengenai konsep eigenrichting. Penelitian juga mengkaji latar fakta hukum setiap perkara untuk menilai konsistensi yuridis antara unsur delik dan pidana yang dijatuhkan. Hasil penelitian menunjukkan bahwa seluruh terdakwa dalam ketiga putusan secara sah dan meyakinkan memenuhi unsur kesengajaan serta pengetahuan atas akibat perbuatannya, sehingga pertanggungjawaban pidana tetap diberlakukan meskipun dilatarbelakangi motif pembelaan terhadap korban kejahatan. Pada Putusan Nomor 190, hukuman lebih berat dijatuhkan karena adanya tingkat kekerasan yang lebih tinggi serta akibat luka serius pada korban. Sebaliknya, Putusan Nomor 345 dan 392 memperoleh pidana lebih ringan karena kerugian dan dampak sosial dinilai lebih rendah. Pertimbangan hakim tidak hanya didasarkan pada penerapan norma KUHP (aspek yuridis), tetapi juga pada upaya menjaga wibawa hukum dan pencegahan vigilantisme di masyarakat (aspek sosiologis), sekaligus menegaskan bahwa tindakan balas dendam tidak dapat menjadi alasan pembenar (aspek filosofis). Dengan demikian, pemidanaan diarahkan untuk menegaskan supremasi hukum serta memberikan efek jera terhadap praktik eigenrichting. Kata Kunci: Tindak pidana, Eigenrichting, Pertanggungjawaban pidana, Pertimbangan Hakim Abstract This research focuses on criminal liability in vigilantism (eigenrichting) cases contained in three decisions of the Indramayu District Court, namely Decision No. 190/Pid.B/2022/Pn.Idm, No. 345/Pid.B/2014/Pn.Idm, and No. 392/Pid.B/ 2011/Pn.Idm. The study emphasizes the analysis of the element of fault and the fulfillment of criminal liability principles, as well as the judicial reasoning behind the determination of sentencing severity. This research employs a normative legal method with qualitative analysis of primary legal materials in the form of court decisions and statutory provisions, as well as secondary legal materials derived from scholarly literature concerning the concept of vigilantism. It also examines the factual background of each case to assess the consistency between the legal elements of the offense and the punishment imposed. The findings indicate that all defendants in the three decisions legally and convincingly fulfilled the elements of intent and awareness of the consequences of their actions, thereby affirming their criminal liability despite motives of defending victims of crime. In Decision No. 190, a more severe sentence was imposed due to the higher degree of violence and serious injuries inflicted upon the victim. Meanwhile, Decisions No. 345 and No. 392 received lighter punishments, as the resulting harm and social impact were considered relatively minor.The judges’ considerations were not solely based on the application of the provisions of the Criminal Code (legal approach), but also on efforts to uphold the authority of law and prevent vigilantism within society (sociological approach), while emphasizing that revenge cannot be justified as a legal defense (philosophical approach). Thus, the criminal sanctions aim to reinforce the principle of the rule of law and deter the recurrence of vigilantism. Keywords: criminal act, Eigenrichting, criminal liability, Judge consideration
Copyright (c) 2025 Hilmy Amjad Nada, Muhammad Nibros Hammam https://creativecommons.org/licenses/by/4.0
TRANSFORMASI PASANGAN KAWIN PAKSA MENUJU KELUARGA SAKINAH DI DESA BANGKES KECAMATAN KADUR KABUPATEN PAMEKASAN: STUDI PENERAPAN KONSEP MUBADALAH
Abstrak Kawin paksa merupakan fenomena yang masih kerap terjadi di kalangan masyarakat Indonesia termasuk di desa Bangkes kecamatan Kadur kabupaten Pamekasan. Namun berbeda dengan pandangan tersebut, sebagian besar pasangan kawin paksa di desa tersebut justru berhasil membentuk keluarga yang harmonis serta berhasil mewujudkan nilai-nilai keluarga yang sakinah mawaddah warahmah. Fenomena ini menarik untuk diteliti karena menunjukkan adanya proses transformasi relasi yang semula berlandaskan keterpaksaan menjadi hubungan yang dilandaskan kesalingan, cinta kasih dan kedamaian melalui penerapan konsep mubadalah. Permasalahan dalam penelitian ini adalah; bagaimana praktik kawin paksa di desa bangkes Kecamatan kadur Kabupaten Pamekasan?, faktor-faktor apa saja yang mendorong terjadinya transformasi (relasi suami-istri) pada perkawinan paksa menuju keluarga sakinah di desa bengkes Kecamatan kadur Kabupaten Pamekasan?, bagaimana nilai-nilai konsep mubadalah diterapkan dalam proses transformasi pasangan kawin paksa menuju keluarga sakinah di desa bangkes kecamatan kadur kabupaten Pamekasan? Penelitian ini dilakukan menggunakan pendekatan kualitatif dengan jenis fenomenologi. Lokasi penelitian dipilih Desa Bangkes Kecamatan Kadur Kabupaten Pamekasan. Pengumpulan data dilakukan dengan wawancara semi terstruktur, observasi non partisipan serta metode dokumentasi. Adapun analisis data menggunakan teknik editing, organizing serta analizing. Hasil penelitian ini menunjukkan bahwa praktik kawin paksa di Desa Bangkes masih dilandasi oleh dominasi orang tua, terutama melalui peran sentral pangadhe’ yang memegang kendali penuh atas proses perjodohan tanpa melibatkan persetujuan calon mempelai perempuan. Tradisi seperti ngin-angin, penggunaan jam pijampi, dan penentuan mahar yang memihak pihak laki-laki menunjukkan struktur relasi yang hierarkis dan mengabaikan hak individu anak perempuan. Meskipun demikian, beberapa pasangan yang menjalani kawin paksa mampu membentuk keluarga sakinah melalui proses transformasi yang dipengaruhi oleh faktor eksternal seperti dukungan keluarga dan sikap pasangan, serta faktor internal seperti kesadaran diri, pendekatan spiritual, kontrol emosi, adaptasi, dan komunikasi yang sehat. Proses transformasi ini berlangsung melalui lima tahapan psikologis: attraction, curiosity, crisis, deep attachment, dan commitment. Penerapan nilai-nilai konsep mubadalah dalam kehidupan pernikahan menjadi kunci terbentuknya relasi yang setara dan harmonis. Nilai-nilai seperti kesalingan, musyawarah, dan komitmen dalam ikatan pernikahan memperkuat kepercayaan dan tanggung jawab bersama, sekaligus menunjukkan bahwa pembentukan keluarga sakinah tidak ditentukan oleh awal mula pernikahan, melainkan oleh kemauan dan usaha kedua belah pihak dalam menjalani kehidupan rumah tangga secara adil dan bermitra. Kata Kunci: Kawin Paksa, Sakinah, Konsep Mubadalah. Abstract Forced marriage remains a recurring phenomenon among Indonesian communities, including in Bangkes Village, Kadur District, Pamekasan Regency. While forced marriages are generally associated with negative impacts—such as psychological and physical harm, as well as a decline in family quality—the situation in Bangkes Village presents a contrasting reality. In this village, many forced marriage couples have successfully built harmonious families, often referred to as sakinah mawadah warahmah. The success of these marriages cannot be separated from the efforts of the couples to transform their initially coerced relationships into ones grounded in mutual respect, love, and peace. One alternative approach to achieve this is through the application of the mubadalah concept. The problems in this study are; how is the practice of forced marriage in Bangkes Village, Kadur District, Pamekasan Regency?, what factors encourage the transformation (of husband-wife relations) in forced marriages towards a harmonious family in Bangkes Village, Kadur District, Pamekasan Regency?, how are the values of the concept of mubadallah applied in the process of transformation of forced marriage couples towards a harmonious family in Bangkes Village, Kadur District, Pamekasan Regency?This research was conducted using a qualitative approach with a phenomenological method. Data collection techniques included interviews to gain deeper insights into how forced marriage couples undergo transformation toward forming a sakinah (harmonious) family through the application of the mubadalah concept; observation to examine the obstacles faced by forced marriage couples in building a sakinah family and to observe the role of the mubadalah concept in facilitating such transformation; and documentation to complement data obtained from interviews and observations. The results of this study indicate that the practice of forced marriage in Bangkes Village is still based on parental dominance, especially through the central role of the pangadhe’ who holds full control over the matchmaking process without involving the consent of the prospective bride. Traditions such as ngin-angin, the use of jam pijampi, and the determination of dowry that favors the man indicate a hierarchical relationship structure and ignore the individual rights of the girl. However, some couples who undergo forced marriage are able to form a harmonious family through a transformation process influenced by external factors such as family support and the attitude of the partner, as well as internal factors such as self-awareness, spiritual approach, emotional control, adaptation, and healthy communication. This transformation process takes place through five psychological stages: attraction, curiosity, crisis, deep attachment, and commitment. The application of the values of the mubadalah concept in married life is the key to forming an equal and harmonious relationship. Values such as mutuality, deliberation, and commitment in the bonds of marriage strengthen trust and shared responsibility, while also showing that the formation of a harmonious family is not determined by the beginning of the marriage, but by the willingness and efforts of both parties in living a household life fairly and in partnership. Keywords: forced marriage, sakinah, mubadalah concept.
Copyright (c) 2025 Khoirinnisak, Habib, Fathimatuz Zahroh https://creativecommons.org/licenses/by/4.0
ANALISIS TANGGUNGJAWAB NAFKAH SUAMI DALAM PERNIKAHAN USIA DINI (Studi Kasus di Kelurahan Sei Berombang Kecamatan Panai Hilir)
Abstrak Permasalahan dalam penelitian ini adalah Tanggungjawab nafkah suami pada keluarga pernikahan usia dini di Kelurahan Sei Berombang Kecamatan Panai Hilir. Jenis penelitian dalam penelitian ini adalah penelitian lapangan (Field Research), dengan menggunakan antropologi hukum untuk menelaah hukum yang tidak hanya sebagai norma tertulis,tetapi juga sebagai praktik social yang diterima dan dijalankan oleh Masyarakat. sumber data yang didapatkan adalah data primer yang diperoleh melalui wawancara langsung dengan tokoh adat dan keluarga setempat sedangkan data sekunder bersumber dari liteteratur terkait, seperti buku dan jurnal ilmiah. Hasil penelitian ini menunjukkan bahwa tidak terpenuhinya tanggungjawab suami pada keluarga, karena sedikitnya lapangan pekerjaan untuk anak di bawah umur, tenaga yang lemah (14 Tahun) dan emosi yang belum stabil, ilmu yang belum mumpuni, tidak punya keahlian (tidak memiliki pendidikan) dan kerab terjadi konflik internal dalam keluarga, baik diantara suami istri, dan orang tua. Sedangkan dampaknya: pertama: istri yang memutuskan untuk bercerai karena tidak bisa menerima kekurangan suaminya, kedua: suami tidak terima perlakuan istrinya yang selalu meremehkan dirinya sehingga melakukan kekerasan terhadap istrinya, ketiga: istri pulang kerumah orang tuanya tanpa pamit kepada suami, dan keempat: pasangan suami istri yang mempertahankan keharmonisan keluarganya demi anak-anaknya walaupun si suami dicemooh oleh istrinya. Kata kunci: Tanggungjawab, keluarga, keharmonisan. Abstract The problem in this research is the husband's responsibility for providing for the family in early marriage in Sei Berombang Village, Panai Hilir District. This research is a field research that uses legal anthropology to examine law not only as a written norm but also as a social practice accepted and implemented by the community. The data sources are primary data obtained through direct interviews with local community leaders and families, while secondary data comes from related literature, such as books and scientific journals. The results of this study show that the husband's responsibility for providing for the family is not fulfilled due to several factors, including: Limited job opportunities for minors, Weak physical condition (14 years old) and unstable emotions, Lack of knowledge and skills (no education), Frequent internal conflicts within the family, both between husband and wife and parents. The impacts are: The wife decides to divorce because she cannot accept her husband's shortcomings, The husband does not accept his wife's treatment, which always belittles him, leading to domestic violence, The wife returns to her parents' house without informing her husband. The couple maintains family harmony for the sake of their children, despite the husband being ridiculed by his wife. Keywords: Responsibility, family, harmony.
Copyright (c) 2025 Siti Aminah https://creativecommons.org/licenses/by/4.0
KEPATUHAN PELAKU BISNIS TERHADAP PERMENDAG NOMOR 24 TAHUN 2020 TENTANG PENETAPAN HARGA PEMBELIAN BERAS/GABAH (STUDI PADA PEDAGANG BERAS KABUPATEN SIDRAP)
Abstrak Penelitian ini bertujuan untuk menganalisis kepatuhan pelaku bisnis terhadap Peraturan Menteri Perdagangan (Permendag) Nomor 24 Tahun 2020 tentang penetapan harga pembelian beras/gabah, serta untuk mengetahui peranan pemerintah dalam mengatasi ketidakpatuhan pedagang beras di Kabupaten Sidrap. Penelitian ini menggunakan pendekatan normatif-empiris, yaitu mengkaji aspek normatif melalui telaah peraturan perundang-undangan, teori, dan konsep hukum yang berkaitan dengan penetapan harga beras/gabah, serta pendekatan empiris melalui penelitian lapangan untuk melihat penerapan regulasi tersebut dalam praktik. Objek penelitian adalah pedagang beras yang beroperasi di Kecamatan Watang Pulu, Kabupaten Sidrap, sebagai lokasi kajian awal. Hasil penelitian menunjukkan bahwa kepatuhan pedagang terhadap ketentuan harga pembelian beras/gabah sebagaimana diatur dalam Permendag Nomor 24 Tahun 2020 belum terlaksana secara maksimal. Ketidakpatuhan tersebut disebabkan oleh fluktuasi harga gabah di tingkat petani yang tidak selalu sesuai dengan harga yang telah ditetapkan pemerintah, serta dipengaruhi oleh faktor musim panen, jumlah produksi, dan permintaan pasar yang tidak stabil. Selain itu, masih terdapat pedagang yang belum memahami secara rinci ketentuan hukum terkait penetapan harga beras/gabah. Peranan pemerintah dalam mengatasi ketidakpatuhan tersebut dilakukan melalui pemantauan harga secara berkala di pasar tradisional dan sentra distribusi beras, pelaksanaan sosialisasi dan edukasi kepada pedagang, serta penerapan pengawasan dan mekanisme sanksi secara bertahap, mulai dari teguran hingga sanksi administratif. Kata Kunci: Kepatuhan Pelaku Bisnis, Permendag, Harga Beras Abstract This study aims to analyze business actors' compliance with the Minister of Trade Regulation (Permendag) Number 24 of 2020 concerning the determination of rice/unhusked rice purchase prices, and to determine the government's role in addressing non-compliance among rice traders in Sidrap Regency. This study uses a normative-empirical approach, examining the normative aspects through a review of laws and regulations, theories, and legal concepts related to rice/unhusked rice price determination, and an empirical approach through field research to observe the implementation of these regulations in practice. The research subjects were rice traders operating in Watang Pulu District, Sidrap Regency, which served as the initial study location. The results indicate that traders' compliance with the rice/unhusked rice purchase price provisions as stipulated in Permendag Number 24 of 2020 has not been optimally implemented. This non-compliance is caused by fluctuations in unhusked rice prices at the farmer level, which do not always align with government-set prices. This is also influenced by factors such as harvest season, production volume, and unstable market demand. Furthermore, some traders still lack a detailed understanding of the legal provisions related to rice/unhusked rice price determination. The government's role in addressing non-compliance is achieved through regular price monitoring in traditional markets and rice distribution centers, outreach and education for traders, and the gradual implementation of oversight and sanctions mechanisms, ranging from warnings to administrative sanctions. Keywords: Business Compliance, Minister of Trade Regulation, Rice Prices
Copyright (c) 2025 Annisa Rahman, Wahyu Rasyid https://creativecommons.org/licenses/by/4.0
KEBIJAKAN DAN REGULASI FINTECH SYARIAH DI INDONESIA: KAJIAN LITERATUR ATAS PERAN OJK DAN DSN-MUI DALAM ERA DIGITAL
Abstrak Perkembangan ekonomi digital telah mendorong transformasi sistem keuangan nasional melalui inovasi financial technology (fintech), termasuk fintech syariah yang berorientasi pada kepatuhan terhadap prinsip keadilan, transparansi, serta pelarangan riba, gharar, dan maisir. Sejumlah penelitian terdahulu, seperti Hiyanti et al. (2019) dan Arner et al. (2020), menekankan bahwa potensi fintech syariah di Indonesia sangat besar, tetapi masih menghadapi permasalahan dalam literasi keuangan dan regulasi yang belum optimal. Noor et al. (2022) juga mengidentifikasi lemahnya perlindungan konsumen serta kurangnya harmonisasi antara OJK dan DSN-MUI dalam pengawasan fintech syariah. Meskipun demikian, data OJK (2024) menunjukkan peningkatan signifikan dengan lebih dari 20 penyelenggara fintech syariah serta pertumbuhan tahunan menyentuh persentase 18%. Kebaruan (novelty) penelitian ini terletak pada analisis sinergis antara kebijakan OJK, fatwa DSN-MUI, dan Masterplan Ekonomi Syariah Indonesia 2019–2024 dalam membentuk tata kelola fintech syariah yang compliant terhadap prinsip Islam sekaligus adaptif terhadap transformasi digital. Pendekatan ini belum banyak dikaji secara integratif dalam literatur sebelumnya. Dengan demikian, studi ini memberikan kontribusi teoritis dan praktis terhadap penguatan regulasi, perlindungan konsumen, serta pengembangan ekosistem fintech syariah yang inklusif serta berkeadilan di Indonesia. Kata kunci: Fintech Syariah, OJK, Regulasi, Ekonomi Digital Abstract The development of the digital economy has driven the transformation of the national financial system through financial technology (fintech) innovation, including Sharia fintech, which is oriented towards adherence to the principles of fairness, transparency, and the prohibition of riba (usury), gharar (gharar), and maisir (gambling). Several previous studies, such as those by Hiyanti et al. (2019) and Arner et al. (2020), emphasize that the potential for Sharia fintech in Indonesia is enormous, but it still faces challenges in financial literacy and suboptimal regulations. Noor et al. (2022) also identified weak consumer protection and a lack of harmonization between the Financial Services Authority (OJK) and the National Council of Indonesian Ulemas (DSN)-Indonesian Ulema Council (MUI) in supervising Sharia fintech. Nevertheless, OJK data (2024) shows significant growth, with more than 20 Sharia fintech operators and annual growth reaching 18%. The novelty of this research lies in the synergistic analysis of OJK policies, DSN-MUI fatwas, and the 2019–2024 Indonesian Sharia Economic Masterplan in shaping Sharia fintech governance that is compliant with Islamic principles and adaptive to digital transformation. This approach has not been widely studied in an integrative manner in previous literature. Thus, this study provides theoretical and practical contributions to strengthening regulations, consumer protection, and developing an inclusive and equitable Sharia fintech ecosystem in Indonesia. Keywords: Sharia Fintech, OJK, Regulation, Digital Economy
Copyright (c) 2025 Hamam Mishbakhuzein, Cory Vidiati https://creativecommons.org/licenses/by/4.0
DAMPAK DISKRESI PRESIDEN DALAM REHABILITASI PIDANA KORUPSI TERHADAP SISTEM CHECKS AND BALANCES DI INDONESIA
Abstrak Penelitian ini menganalisis dampak penggunaan diskresi Presiden dalam pemberian rehabilitasi terhadap terdakwa atau terpidana korupsi dan implikasinya terhadap sistem checks and balances di Indonesia. Melalui pendekatan yuridis normatif yang memadukan analisis konstitusional, doktrinal, dan studi kasus rehabilitasi terhadap Ira pejabat PT ASDP, penelitian ini menemukan bahwa kewenangan rehabilitasi sebagai bagian dari fungsi administratif Presiden memiliki batas konstitusional yang ketat dan tidak dapat menegasikan rehabilitasi yudisial sebagaimana diatur dalam Pasal 1 angka 23 KUHAP. Namun, praktiknya menunjukkan potensi perluasan makna rehabilitasi yang membawa risiko intervensi terhadap independensi peradilan, politisasi kewenangan eksekutif, dan melemahnya prinsip separation of powers. Diskresi yang tidak dilembagakan secara ketat dapat menimbulkan detournement de pouvoir serta menciptakan persepsi publik bahwa proses hukum dapat dinegosiasikan melalui kekuasaan politik. Temuan ini menegaskan pentingnya penegakan kontrol normatif dan kelembagaan melalui PTUN, pengawasan legislatif, serta penerapan asas-asas umum pemerintahan yang baik untuk menjaga agar kewenangan rehabilitasi tetap berada dalam koridor negara hukum, tidak mengancam independensi yudisial, dan memperkuat efektivitas sistem checks and balances di Indonesia. Kata kunci: diskresi Presiden, rehabilitasi, korupsi, checks and balances Abstract This study analyzes the impact of the President's discretionary power in granting rehabilitation to defendants or convicts of corruption and its implications for the checks and balances system in Indonesia. Through a normative juridical approach that combines constitutional analysis, doctrinal analysis, and a case study of the rehabilitation of PT ASDP official Ira, this study finds that the authority to grant rehabilitation as part of the President's administrative function has strict constitutional limits and cannot negate judicial rehabilitation as stipulated in Article 1 point 23 of the Criminal Procedure Code. However, practice shows the potential for expanding the meaning of rehabilitation, which carries the risk of intervening in the independence of the judiciary, politicizing executive authority, and weakening the principle of separation of powers. Discretion that is not strictly institutionalized can lead to detournement de pouvoir and create a public perception that the legal process can be negotiated through political power. These findings emphasize the importance of enforcing normative and institutional controls through the State Administrative Court, legislative oversight, and the application of general principles of good governance to ensure that rehabilitation authority remains within the corridor of the rule of law, does not threaten judicial independence, and strengthens the effectiveness of the checks and balances system in Indonesia. Keywords: presidential discretion, rehabilitation, corruption, checks and balances
Copyright (c) 2025 Badrul Kamal https://creativecommons.org/licenses/by/4.0
ANALISIS AKAD JUAL BELI RUMAH SISTEM PERANTARA PERSPEKTIF FIKIH MUAMALAH
Abstrak Jual beli rumah sistem perantara merupakan salah satu bentuk kegiatan yang umum terjadi dalam transaksi ekonomi modern. Namun praktiknya akad ini memunculkan sejumlah persoalan, terutama yang berkaitan dengan Keabsahan hak dan kewajiban, keabsahan akad, dan keadilan masing-masing pihak, baik penjual, pembeli maupun perantara. Penelitian ini dilakukan di Desa Pulau Panggung Kecamatan Pulau Panggung Kabupaten Tanggamus Lampung. Tujuan penelitian ini adalah untuk mengalisis akad jual beli rumah sistem perantara dalam Perspektif fikih Muamalah. Penelitian ini adalah penelitian kualitatif dengan pendekatan fikih muamalah. Pengumpulan data dengan cara wawancara dan dokumentasi. Praktik jual beli rumah sistem perantara di Desa Pulau Panggung Kecamatan Pulau Panggung Kabupaten Tanggamus tidak sesuai dengan konsep akad dalam fikih muamalah. Dimana perantara seharusnya hanya memasarkan rumah namun dalam praktiknya menjadi penjual rumah, yang sejatinya bukan milik perantara. Hal lain juga tidak adanya transparansi harga, perantara menaikkan harga jual rumah tanpa sepengetahuan pemilik, yang mengakibatkan adanya unsur Penipuan dan ketidakjelasan dalam akad. Hal ini tidak lepas dari keterbukaan informasi akad dalam jual beli sistem perantara. Oleh karena itu, sistem perantara diperbolehkan namun harus dilakukan dengan prinsip kejujuran, keadilan, dan tanpa manipulasi harga agar terhindar dari unsur penipuan dan ketidakjelasan yang dapat membatalkan akad. Kata Kunci: Fikih Muamalah, Akad, Jual Beli Perantara Abstract Buying and selling houses through an intermediary system is a common activity in modern economic transactions. However, in practice, this contract raises a number of issues, especially those related to the validity of rights and obligations, the validity of the contract, and the fairness of each party, both the seller, the buyer, and the intermediary. This research was conducted in Pulau Panggung Village, Pulau Panggung District, Tanggamus Regency, Lampung. The purpose of this study was to analyze the house buying and selling contract using an intermediary system from the perspective of Islamic jurisprudence (Fiqh Muamalah). This research is a qualitative study with a Fiqh Muamalah approach. Data collection was carried out through interviews and documentation. The practice of buying and selling houses using an intermediary system in Pulau Panggung Village, Pulau Panggung District, Tanggamus Regency does not comply with the concept of the contract in Islamic jurisprudence (Fiqh Muamalah). Where the intermediary is supposed to only market the house, in practice, it becomes the seller of the house, which does not actually belong to the intermediary. Another thing is the lack of price transparency, the intermediary increases the selling price of the house without the owner's knowledge, which results in elements of fraud and ambiguity in the contract. This is inseparable from the transparency of contract information in intermediary sales systems. Therefore, intermediary systems are permitted, but must be implemented with the principles of honesty, fairness, and without price manipulation to avoid elements of fraud and ambiguity that could invalidate the contract. Keywords: mumalah jurisprudence, contract, intermediary sales.
Copyright (c) 2025 Nasya Ramadhani, Khoiruddin, Gatot Bintoro Putro Aji https://creativecommons.org/licenses/by/4.0