MIZANUNA: Jurnal Hukum Ekonomi Syariah

DIGITALISASI DAN INOVASI DALAM SISTEM OPERASIONAL LEMBAGA KEUANGAN SYARIAH BMT MEKAH BOJONEGORO

Meysa Afriska Dewi, Eko Arief Cahyono, Karomatul Hidayah — Sat, 20 Dec 2025 00:00:00 +0000

Digital transformation has become an urgent necessity for Islamic Financial Institutions (LKS), including Baitul Maal wat Tamwil (BMT), in responding to technological developments and the demand for more efficient financial services. This study aims to analyze the implementation of digitalization in the operational system of BMT MEKAH Bojonegoro, identify the strategic opportunities it offers, and explore the challenges encountered during the transformation process. This research employs a qualitative descriptive approach, using data collected through observation, in-depth interviews, and documentation studies. The findings indicate that digitalization, marked by the launch of the BMT MEKAH Barokah mobile application, has successfully enhanced transparency, operational efficiency, and member trust. The innovation in Islamic financing, particularly through murabahah contracts, provides inclusive and Sharia-compliant financial solutions for micro-entrepreneurs. However, challenges such as low digital literacy, regulatory limitations on cooperatives, and uneven infrastructure remain significant obstacles. Therefore, digital transformation at BMT MEKAH presents substantial potential as a means of empowering the ummah’s economy, provided it is supported by appropriate policies, enhanced human resource capacity, and a strong commitment to Sharia values in institutional operations.

ANALISIS PRINSIP LARANGAN GHARAR DAN IMPLEMENTASINYA DALAM JUAL BELI ONLINE MENURUT PERSPEKTIF HUKUM EKONOMI ISLAM

Ika Rahmawati, Diyah Ayu Saputri, Muhammad Badaruzzaman — Sat, 20 Dec 2025 00:00:00 +0000

The rapid development of digital technology has brought about a significant transformation in economic activities, particulary throught the emergence of various online shopping methods that offer convenience, speed, flexibility for consumers. However, these benefits also introduce the potential for uncertainty (gharar), which may harm one of the parties involved in the transaction. This study aims to examine the implementation of the principle of gharar prohibition in three types of online transaction: marketplace, social comerce, and pre-order (PO) systems. The methodology employed in this research in qualitative, using a libarary research approach that draws on academic journals and DSN-MUI fatwas as contemporery normative references. The findings indicate that marketplaces tend to minimize gharar due to product descriptions, customer reviews, return policies, and escrow systems, although issues such as product mismatch and delivery delays still occur. In social commerce, the risk of gharar is significantly higher due to the lack of customer protection and the frequent occurrence of fraud resulting from direct payments to sellers. Meanwhile, in pre-order systems, uncertainly regarding production time, delivery schedules, and product spesifications makes this model susceptible highlights the importance of clear contractual agreements, transparency of information, and consumer protection to ensure that online buying and selling transactions align with Islamic prinsiples.

ANALISIS IMPLEMENTASI DAN TRANSPARANSI MEKANISME TRANSAKSI FITUR PAYLATER PADA PLATFORM DIGITAL DALAM PERSPEKTIF HUKUM EKONOMI ISLAM

Putri Jihara Naila Nascha, Ismi Putri Nur Fauziyah, Ilyas Zafarul Anam — Sat, 20 Dec 2025 00:00:00 +0000

This study analyzes the implementation and transparency of PayLater transaction mechanisms on digital platforms in Indonesia, specifically Shopee, OVO, Kredivo, and GoPay from the perspective of Islamic economic law. As a buy now pay later (BNPL) service, PayLater has grown rapidly alongside the expansion of financial technology and the increasing preference for cashless transactions. Using a qualitative descriptive-analytical approach through library research, this study examines scholarly literature, official regulatory documents, platform terms of service, and relevant fatwas issued by DSN-MUI. The findings indicate that while PayLater services share similar operational flows registration, digital identity verification, credit limit determination, transaction execution, and installment repayment they differ significantly in cost structures, interest rates, late-payment penalties, and the degree of information disclosure. From the perspective of Islamic economic law, PayLater mechanisms raise several shari'a concerns, particularly regarding ambiguous contractual formulation (ta'yīn al-'aqd), elements of gharar (uncertainty), and additional charges that closely resemble ribā nasī'ah. Nevertheless, transparent contractual arrangements and adequate regulatory frameworks could potentially reduce these concerns. With stronger disclosure obligations and adjustments toward Islamic financial principles, PayLater services could evolve into practical financial products that are also shari'a-compliant.

AKAD SALAM DALAM JUAL BELI PESANAN

Adrianto Adrianto, Haslinda Haslinda, Khalid Sitorus — Wed, 10 Jun 2026 00:00:00 +0000

This study examines the practice of advance payment (bay' al-salam) at TV Media Branch Unimed, North Sumatra, from the perspective of Islamic law. TV Media offers products through television broadcasts, requiring consumers to pay in full before goods are dispatched, a model structurally identical to the classical salam contract. Problems arise when delivery is delayed or stock is unavailable, raising questions about the fulfillment of salam's validity conditions. This research employs a qualitative normative-empirical (socio-legal) approach, combining interviews with TV Media staff and primary library sources including classical fiqh texts and contemporary fatwas. The findings indicate that the transaction model employed by TV Media fulfills most pillars and conditions of bay' al-salam: the contract is concluded through mutual consent via telephone communication, the object is described with sufficient specificity, and consumer protection mechanisms including refund and replacement guarantees are in place. However, the stipulation of a precise delivery timeframe, a mandatory condition (ajal ma'lum) in salam contracts, remains critically unfulfilled when stock is unavailable, introducing an element of uncertainty (gharar) that weakens the contract's validity under Islamic law. This study contributes a normative-empirical analysis of salam contracts in pre-digital home shopping contexts and offers a fiqh framework applicable to contemporary e-commerce transactions, with practical recommendations for formalizing the contract and strengthening consumer protection mechanisms.