TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah

Eksistensi Hukum Islam dalam Sistem Perundang-Undangan Indonesia: Studi Zakat, Haji, dan KHI

Kamaluddin Kamaluddin — 2026-01-09

The existence of Islamic law within the Indonesian legal system is explained through three main instruments: the Zakat Law, the Hajj Management Law, and the Compilation of Islamic Law (KHI). This study employs a library research method with a normative juridical approach, focusing on the analysis of legislation, academic literature, and previous research findings. The results highlight the significant role of Islamic law in accommodating the needs of the Muslim community through formal regulations, where the Zakat Law affirms zakat as a socio-economic obligation, the Hajj Law comprehensively regulates pilgrimage management, and the KHI serves as a reference for Islamic family law in safeguarding religious practices. Nevertheless, the implementation of these instruments is influenced by institutional frameworks, legal politics, and the pluralistic nature of Indonesian society. This study underscores the dynamic and evolving integration process of Islamic law within the national legal system.

Perbandingan Fiqih Jual Beli (Bai’), Perdagangan (Tijarah), Pilihan (Khiyar), dan Pengambilalihan Hak Pengelolaan Harta (Syuf’ah)

Muhamad Afif Sholahudin — 2026-01-09

Studies in fiqh muamalah often place tijārah (commerce), ba’i (sale), khiyār (contractual options), and syuf‘ah (pre-emption) into separate analytical spheres, leading to a fragmented understanding of the Islamic transactional system. This research aims to develop a holistic theoretical construction by comparatively examining the definitions, legal foundations, scopes, and functions of these four concepts. The methodology employed is normative legal research with a library-based approach, involving a critical analysis of primary sources—the Qur'an, Hadith, and classical fiqh texts—as well as secondary sources such as scientific journals and contemporary regulations. The findings indicate that tijārah serves as a philosophical framework emphasizing economic ethics and spirituality, while ba’i acts as a formal-legal instrument regulating the validity of exchange. Furthermore, khiyār functions as an internal protection mechanism for the contracting parties, and syuf‘ah serves as an external protection mechanism for joint ownership. The integration of these four concepts establishes an Islamic transactional system that is just, adaptive, and contextual, remaining relevant to modern practices such as e-commerce, private equity ownership, and Islamic financial institutional financing. This study underscores the necessity of an integrative approach in fiqh muamalah to strengthen the relevance of Islamic law within contemporary economic dynamics.

Implementasi Transformasi Digital pada Pegadaian Syariah: Kajian Terhadap Kesiapan, Hambatan, dan Prospek Pengembangan (Studi Kasus PT. Pegadaian Syariah Cabang Kendari)

Salehaman Salehaman — 2026-01-21

Digital transformation has become a necessity in modern financial services, including Islamic Pawnshop based on Islamic financial principles. This research analyzes the readiness, barriers, and prospects of digital transformation at the Islamic Pawnshop Branch in Kendari City. Using a qualitative approach and case study method, data was obtained through interviews, observations, and internal documentation. Data validity is ensured through triangulation techniques. the results indicate a fairly good readiness in terms of technological infrastructure, availability of digital applications such as gold savings, as well as internal support from management and the Islamic Supervisory Board. Employees have internalized technology through the use of applications, although formal training is still limited. The main obstacles come from external factors, namely resistance from some customers, especially the elderly and housewives, due to low digital literacy and concerns about security. Another challenge is the limited budget to develop secure, user-friendly, and Sharia- compliant applications. Nevertheless, the prospects remain bright with product innovations, national digital collaboration, and digital habituation policies. With increased public education and human resource training, Islamic Pawnshop has the opportunity to become a leading, inclusive, and sustainable digital Islamic financial pioneer.

Manajemen Risiko Keamanan Pangan Berbasis Halal: Analisis Titik Kritis Bahan Baku, Proses Produksi, dan Distribusi

Andi Wawan Mulyawan — 2026-01-28

The food industry faces complex challenges in ensuring food safety and product halalness simultaneously. The globalization of supply chains, the diversity of raw materials, and the dynamics of production processes make the risk of contamination—whether biological, chemical, physical, or non-halal—increasingly high. This research aims to analyze critical points in the food supply chain, especially raw materials, production processes and distribution, as well as evaluating risk mitigation strategies based on the integration of the Halal Assurance System (HAS 23000) and Hazard Analysis Critical Control Point (HACCP). The research method uses literature studies through searching 2019–2024 journals, official regulations, and international standards related to food safety and halal certification. The study results show that the greatest risk to raw materials comes from high-risk ingredients that are difficult to verify visually and often have multi-source origins. In the production process, cross-contamination is a dominant risk that demands strict sanitation, process flow and facility segregation. Meanwhile, the distribution stage is vulnerable to product mixing, failure to maintain temperature, and weak traceability systems. The integration of HAS and HACCP is proven to provide a more effective and comprehensive risk mitigation framework, thus becoming a strategic approach to guarantee halalan-thayyiban products.

Kebijakan Fiskal dalam Perspektif Islam: Rekonstruksi Konseptual, Instrumen Syariah, dan Relevansinya terhadap Ekonomi Kontemporer dan Industri Halal

Azwar Azwar — 2026-01-29

Fiscal policy constitutes a strategic instrument in national economic management that functions not only to maintain stability and promote economic growth, but also to realize social justice and public welfare. From an Islamic perspective, fiscal policy is grounded in the normative foundations of Sharīʿah and oriented toward the attainment of maqāṣid al-sharīʿah, particularly distributive justice and the promotion of public interest (maṣlaḥah ʿāmmah). This study aims to elucidate the fundamental concept of fiscal policy in Islam from both theoretical and historical perspectives; to analyze the principal Islamic fiscal instruments and their respective functions; to examine the strategic role of the Bayt al-Māl as the state’s fiscal institution; and to assess the relevance of Islamic fiscal policy in the context of the contemporary economy, including the strengthening of the Islamic economic sector and the halal industry. The research employs a qualitative–descriptive approach based on a library study, utilizing content analysis of classical and contemporary literature, regulatory documents, and relevant academic studies. The findings indicate that Islamic fiscal policy is built upon a strong and holistic normative foundation, with instruments such as zakāt, kharāj, jizyah, ʿushr, ghanīmah, fayʾ, and waqf functioning not only as sources of state revenue but also as mechanisms for redistribution and social protection. The Bayt al-Māl plays a central role as a public financial management institution and holds significant potential for revitalization within modern economic systems through transparent and integrated governance. This study affirms that Islamic fiscal policy remains relevant and strategic in addressing contemporary economic challenges, including social inequality and the development of the halal industry, thereby offering both a conceptual and practical alternative for the formulation of equitable and sustainable fiscal policies.

Peran Bank Syariah dalam Keuangan Sosial Islam

Bayu Sudrajat — 2026-02-06

This study explores in depth the role of Islamic banks in advancing Islamic Social Finance (ISF), which includes zakat, waqf, ṣadaqah, qardhul ḥasan, and other social-based Islamic financial instruments. The objective of this research is to analyze the strategic functions of Islamic banks in supporting social welfare, reducing socio-economic disparities, and fostering sustainable community empowerment through Sharia-compliant mechanisms. The study employs a qualitative descriptive method by analyzing relevant scholarly works, economic literature, financial regulations, and institutional practices. The findings reveal that Islamic banks serve as key institutions in mobilizing social funds, managing zakat and waqf schemes, initiating benevolent financing, and promoting the professionalization and digitalization of social finance management. Islamic banks are also found to play important roles in enhancing transparency, increasing financial inclusion, improving governance, and ensuring Sharia supervisory compliance. The study concludes that Islamic banks should not be perceived merely as commercial intermediaries, but rather as socio-economic development agents that significantly contribute to social justice and welfare within the Islamic economic system.