TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah

Konsep Mekanisme Pasar dalam Pemikiran Ekonomi Islam Ibn Taimiyah

A. M. Nur Atma Amir, Muslimin Kara, Rahman Ambo Masse — Tue, 30 Sep 2025 00:00:00 +0000

This study aims to provide a comprehensive description of the market mechanism concept in Ibn Taimiyah’s Islamic economic thought, examine the role of the state and the hisbah institution in maintaining market justice, and explore the relevance of his ideas to contemporary economic issues and their implications for the development of modern Islamic economics. This research employs a qualitative approach using the library research method, analyzing relevant primary and secondary sources. The findings reveal that Ibn Taimiyah had a profound understanding of market mechanisms, in which prices are naturally determined through the interaction of supply and demand without excessive intervention. The state, through the hisbah institution, plays a crucial role in preserving market stability and justice by enforcing business ethics and preventing harmful practices. Government intervention is justified only when market distortions lead to injustice. Ibn Taimiyah’s economic thought remains highly relevant to contemporary issues such as monopoly, inflation, wealth inequality, and the crisis of business ethics. Thus, his ideas offer a conceptual foundation for building an Islamic economic system that is just, ethical, and sustainable.

Implementasi Digitalisasi pada BMT dalam Meningkatkan Efisiensi Layanan Keuangan Syariah

Raihan Maulana, Muhammad Yazid — Tue, 30 Sep 2025 00:00:00 +0000

The rapid advancement of digital technology has significantly transformed the landscape of Islamic financial institutions, including Baitul Maal wat Tamwil (BMT), which serves as a microfinance intermediary for empowering Muslim communities. This study aims to analyze the implementation of digitalization in BMT operations to improve the efficiency and accessibility of Islamic financial services. Using a qualitative descriptive approach, data were collected through interviews, documentation, and observation of several BMTs that have adopted digital platforms in their financial management systems. The findings indicate that digitalization enhances operational efficiency by streamlining transaction processes, improving financial reporting accuracy, and expanding service coverage through mobile and online applications. However, challenges such as limited digital literacy, infrastructure constraints, and data security concerns remain obstacles to optimal implementation. The study concludes that successful digital transformation in BMT requires not only technological adoption but also human resource development and regulatory support from related institutions. The results of this research contribute to the development of Islamic microfinance management theory and provide practical insights for policymakers and BMT practitioners in promoting inclusive and efficient Sharia-based financial services.

Fikih Muamalah dan Era Industri 5.0: Menata Transaksi Ekonomi Digital Berbasis Syariah

M. Argha Isdhihar Al Qutsam Sandya Aziz, Muhammad Yazid — Tue, 30 Sep 2025 00:00:00 +0000

This study aims to analyze the dynamics of applying Islamic jurisprudence (fiqh muamalah) principles within the digital economy framework in the era of Industry 5.0. The research employs a qualitative descriptive approach through library research and content analysis of primary and secondary academic sources published between 2015 and 2025. The findings reveal that economic digitalization does not alter the essence of contractual principles in Islamic law; instead, it modifies their form and implementation to align with technological advancement. Core Islamic principles such as akad (contract), riba (usury), gharar (uncertainty), and maisir (speculation) remain the normative foundation guiding digital financial transactions toward justice, transparency, and ethical integrity. The study also highlights the crucial roles of financial authorities such as Indonesia’s Financial Services Authority (OJK) and Bank Indonesia, in collaboration with religious bodies like the National Sharia Council (DSN-MUI), in developing a digital financial ecosystem rooted in Islamic values. The synergy between regulators and religious authorities ensures that the digital economy evolves sustainably with ethical and equitable orientations. These findings affirm that fiqh muamalah possesses strong adaptability to technological innovation while maintaining the moral integrity of Islamic economic systems in the digital transformation era.

Uang Elektronik dan Zakat: Kajian Fiqih Kontemporer atas Instrumen Digital dalam Ibadah Harta

Mochamad Davin Hukama, Muhammad Yazid — Tue, 30 Sep 2025 00:00:00 +0000

The rapid development of digital finance has led to new fiqh questions, particularly regarding the use of electronic money (e-money) and its relationship with zakat obligations. This study aims to analyze the position of e-money in Islamic jurisprudence and its zakat implications as a contemporary form of wealth. The method used is a qualitative library research approach with normative and maqashid al-sharia analysis. The findings reveal that e-money constitutes valuable property (mal) subject to zakat when it meets the criteria of ownership, nisab, and haul. Digital zakat platforms also contribute to greater accessibility and transparency in zakat collection and distribution.

Crowdfunding Syariah: Model Pembiayaan Alternatif dalam Bingkai Fiqih

Muhammad Adi Saputra, Muhammad Yazid — Tue, 30 Sep 2025 00:00:00 +0000

Sharia crowdfunding represents one of the innovative developments in Islamic financing systems in the digital era. This model offers an inclusive alternative financing method by involving the public directly in funding productive and social projects. Unlike conventional crowdfunding, Sharia crowdfunding emphasizes the principles of fiqh al-muʿāmalah, such as justice, transparency, and the prohibition of riba (usury), gharar (uncertainty), and maisir (speculation). This study aims to analyze Sharia crowdfunding from the perspective of contemporary Islamic jurisprudence (fiqh kontemporer), examine the contracts applied in its operation, and explore its relevance to the objectives of Islamic law (maqāṣid al-sharīʿah). The research adopts a qualitative, descriptive-analytical approach based on library research. The findings indicate that Sharia crowdfunding can serve as an effective and ethical alternative financing model aligned with Islamic law, provided it adheres to the principles of fairness, transparency, and strong Sharia supervision. Furthermore, it contributes to achieving socio-economic justice and financial inclusion in accordance with Islamic ethical values.