2026-04-24T15:34:33Z https://journal.uinsuna.ac.id/index.php/AlHiwalah/oai

oai:ojs2.journal.uinsuna.ac.id:article/805 2025-01-01T04:29:35Z AlHiwalah:ART

Al-Qard Sebagai Penerapan Akad Tabarru’ Muna, Khairatun Akad Qardh Tabbaru. In principle, a tabbaru contract is a contract that aims to give something or lend something, where this if the contract is to lend something, the object can be in the form of money or services. Although in its basic provisions the borrower is prohibited from taking advantage of the tabbaru contract considering that it is usury, but the borrower can still receive kindness from other parties in the form of costs which have been incurred for the tabbaru contract, provided that they are not allowed to take profit even though with a small nominal, the case is different from giving the borrower itself outside the provisions at the time of the contract. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-12-27 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/805 10.47766/alhiwalah.v1i2.805 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 2 (2022): AL-Hiwalah: Journal Syariah Economic Law; 101-124 2963-0304 10.47766/alhiwalah.v1i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/805/418 Copyright (c) 2022 Khairatun Muna https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/874 2025-01-01T04:19:21Z AlHiwalah:ART

Analisis Hukum Islam Terhadap Praktik Akad Istishna Junaidy, Athailah Yusriadi, Yusriadi furniture. Islamic law Istishna' contract, This research is entitled "Analysis of Islamic Law Against the Practice of Istishna Contracts'". In it examines the practice of istiṣna 'contracts. Istiṣna' contract is a sale and purchase with an order and one of the forms of buying and selling that is often applied by the public. In general, the buyer comes to the seller to ask for an item that does not yet have a form. The problem in this study is how the practice of buying and selling orders that occurs in Hawe Furniture, and whether the practice of buying and selling orders that occurs in Hawe Furniture is in accordance with existing Islamic law. The purpose of this study was to determine the concept of Islamic law on buying and selling orders and to find out the practice of buying and selling orders at Hawe Furniture. This research method is qualitative with inductive data analysis. The results of this study indicate that buying and selling orders that occur at Hawe Furniture are in accordance with Islamic law, where the transaction contract that occurs between the seller and the buyer has an agreement on the price and payment system, then the seller records it to find out the name of the customer, the ordered goods, the money received. has been paid and the time of delivery of the goods is adjusted from the contract that has been agreed between the two parties. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-12-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/874 10.47766/alhiwalah.v1i2.874 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 2 (2022): AL-Hiwalah: Journal Syariah Economic Law; 157-170 2963-0304 10.47766/alhiwalah.v1i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/874/417 Copyright (c) 2022 Athailah Junaidy, Yusriadi Yusriadi https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/875 2024-07-13T05:38:06Z AlHiwalah:ART

Implementasi Murabahah Pada Perbankan Syariah Diah, Muhammad Zulhamdi, Zulhamdi Akad Murabahah Dominates the Bank's Islamic Bank Murabahah is a form of buying and selling goods developed by Islamic banking. In Islamic banking, murabahah dominates the bank's income from the products available in all Islamic banks. Murabahah also provides many benefits to Islamic banks/Islamic banks, one of which is the profit that arises from the difference between the purchase price from the seller and the selling price to the customer. Murabahah as an exchange transaction contract requires the seller to have the right to take legal action against the object he sells. In addition, murabahah as a form of trust buying and selling requires the seller and the buyer to know each other and be honest with each other regarding the object of sale, both the specifications of the goods, the acquisition price, the desired margin, and the method of payment. Included in the acquisition price is the cost of goods and their procurement costs until the acquisition price is only known after the goods are legally owned by the seller. Along with the emergence and development of the Islamic banking industry, murabahah was adopted as one of the contracts in Islamic bank financing products. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/875 10.47766/alhiwalah.v1i1.875 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 1 (2022): Al-Hiwalah : Journal Syariah Economic Law; 53-74 2963-0304 10.47766/alhiwalah.v1i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/875/327 Copyright (c) 2022 Muhammad Diah, Zulhamdi Zulhamdi https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/878 2025-01-01T04:19:21Z AlHiwalah:ART

Prinsip Dasar Perbankan Syariah Maimun, Maimun Tzahira, Dara Banking, Principles, Sharia Principles in banking are important as the basis that can be used as a basis for thinking related to muamalah and all transactions in the world of Islamic banking. The basic principles of sharia banking are the principles of free maghrib (maysir, gharar, haram, usury, and batil), trust and prudence in the management of sharia banking activities, and principles based on contracts. These three principles refer to Islamic sharia by referring to the Qur'an and Hadith so that they must be implemented in various activities. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-12-28 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/878 10.47766/alhiwalah.v1i2.878 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 2 (2022): AL-Hiwalah: Journal Syariah Economic Law; 125-142 2963-0304 10.47766/alhiwalah.v1i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/878/416 Copyright (c) 2022 Maimun Maimun, Dara Tzahira https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/879 2025-01-01T04:19:21Z AlHiwalah:ART

Perbedaan Perbankan Syariah dengan Konvensional Wahyuna, Sari Zulhamdi, Zulhamdi Difference, Islamic and conventional banking, This article aims to test the financial performance between Islamic Banks and Conventional Banks, and examine the influence of financial performance on investment decisions, both in Islamic Banks and Conventional Banks. Basically it has a function as a place to collect funds from the public in the form of savings and distribute them again to the community in the form of credit or other forms in order to improve the standard of living of the people as explained in Law Number 10 of 1998 concerning Banking, so that today's society many use banking services in Indonesia, but many Indonesian people are now starting to hesitate to use banking services, especially conventional banking because it adheres to the interest system which according to Islam is forbidden. As an alternative for people who are afraid of bank interest, Islamic banking is born which applies a profit-sharing system in calculating the profits of its funds and based on Islamic law is recognized as halal. Differences Islamic Banks and Conventional Banks:. Sharia banking law is based on Islamic sharia based on the Qur'an and Hadith and Fatwa Ulama (MUI) while conventional banks are legal based on positive law applicable in Indonesia (Civil and Criminal). violates Islamic law (only for halal businesses) while lending to conventional banks can be done in various businesses that are considered safe and profitable. As long as it doesn't violate applicable laws and regulations     Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-12-31 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/879 10.47766/alhiwalah.v1i2.879 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 2 (2022): AL-Hiwalah: Journal Syariah Economic Law; 183-196 2963-0304 10.47766/alhiwalah.v1i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/879/415 Copyright (c) 2022 Sari Wahyuna https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/881 2024-07-13T05:38:06Z AlHiwalah:ART

Aturan Utang dalam Akad Pembiayaan Mudharabah pada Bank Syariah Yusriadi, Yusriadi Debt, Islamic Bank, Mudharabah. Mudharabah financing is financing in the form of cooperation between two or more Islamic banks, in which the owner of the capital entrusts a certain amount of capital to the manager with a profit sharing agreement, or in another language as shahibul maal which provides all the capital and the customer as mudharib who manages the funds. The profits obtained by the business are in accordance with the initial agreement as stated in the contract. However, if there is a loss, it will be borne by the Islamic bank if the loss is not due to the intention of the insurer's customer, while the customer loses time, energy and thought. If the loss is caused by the negligence of the customer, the customer must bear the loss himself. However, the mudharabah financing at one of the Islamic banks has not shown the character of the mudharabah financing completely and correctly because the concept of debt appears in the contract.     Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/881 10.47766/alhiwalah.v1i1.881 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 1 (2022): Al-Hiwalah : Journal Syariah Economic Law; 18-36 2963-0304 10.47766/alhiwalah.v1i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/881/324 Copyright (c) 2022 Yusriadi Yusriadi https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/885 2025-01-01T04:19:21Z AlHiwalah:ART

Aktivitas Bisnis dalam Tinjauan Aspek Hukum Perjanjian Amelia, Farissa Nazaruddin, Nazaruddin Business, Contract, Covenant Law The development of the business world, especially trade in Indonesia, seems to be dominated by trade in goods which is the result of cooperation between Indonesian entrepreneurs and foreign entrepreneurs, and between Indonesian entrepreneurs and Indonesian entrepreneurs. Agreement as a private legal relationship that exists between parties who have entered into an agreement, on objects that have been agreed upon as a form of fulfillment of rights and obligations, after the creation of an agreement. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-12-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/885 10.47766/alhiwalah.v1i2.885 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 2 (2022): AL-Hiwalah: Journal Syariah Economic Law; 171-182 2963-0304 10.47766/alhiwalah.v1i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/885/414 Copyright (c) 2022 Farissa Amelia, Nazaruddin Nazaruddin https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/888 2024-07-13T05:38:06Z AlHiwalah:ART

Akad Salam Menurut Fatwa DSN MUI Nomor 05/DSNMUI/IV/2000 Pahra, Januara Buying and Selling, Contract, Greetings. DSN Fatwa No. 05/DSNMUI/IV/2000 Salam buying and selling is a contract for buying and selling ordered goods between a buyer and a seller. The specifications and price of the ordered goods must have been agreed at the beginning of the contract, while payment is made in full in advance. Sale and purchase of greetings is a sale and purchase contract that is allowed. This is based on the arguments contained in the Qur'an. The pillars of salam are sellers and buyers, there are goods and money, there is sighat (lafaz contract). While the terms of sale and purchase of salam according to the agreement of the scholars there are five, namely the type of object of sale and purchase of greetings must be clear, the nature of the object of sale and purchase of greetings must be clear, the level or size of the object of sale and purchase of greetings must be clear, the period of ordering the object of sale and purchase of greetings must be clear, assumptions the capital issued must be known to each party. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/888 10.47766/alhiwalah.v1i1.888 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 1 (2022): Al-Hiwalah : Journal Syariah Economic Law; 85-100 2963-0304 10.47766/alhiwalah.v1i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/888/328 Copyright (c) 2022 Januara Pahra https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/892 2024-07-13T05:38:06Z AlHiwalah:ART

Aspek Hukum Perjanjian dalam Aktivitas Bisnis zulhamdi, zulhamdi Husnaini, Husnaini Business Activity Contract Covenant Law The development of the business world, especially trade in Indonesia, seems to be dominated by trade in goods which is the result of cooperation between Indonesian entrepreneurs and foreign entrepreneurs, and between Indonesian entrepreneurs and Indonesian entrepreneurs. Agreement as a private legal relationship that exists between parties who have entered into an agreement, on objects that have been agreed upon as a form of fulfillment of rights and obligations, after the creation of an agreement. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/892 10.47766/alhiwalah.v1i1.892 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 1 (2022): Al-Hiwalah : Journal Syariah Economic Law; 75-84 2963-0304 10.47766/alhiwalah.v1i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/892/670 Copyright (c) 2022 Husnaini Husnaini https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/895 2024-07-13T05:38:06Z AlHiwalah:ART

Ijarah dalam Sistem Perbankan Syariah Fitriani, Dara Nazaruddin, Nazaruddin Akad al-Ijarah Islamic Banking Property Rights Lease transactions in conventional banking do not transfer property rights, which means that when the lease expires, the goods are returned to the owner of the leasing object, which generally does not require the services of a financial institution. Another case in practice is because of Islamic banking financing which is known under a lease agreement called ijarah. In Islamic banking, al-ijarah is divided into 2 types, namely mutlaqah ijarah or leasing, operating lease is a process that we usually encounter in daily economic activities. In the context of Islamic banking, ijarah is a lease contract in which a bank or financial institution rents out equipment, buildings or goods, to one of its customers by charging a fee that has been determined with certainty in advance. Meanwhile, al-Ijarah al-Muntahia bit-Tamlik is a kind of fusion between a sales and lease contract or a lease contract which ends with the ownership of the goods being in the hands of the lessee. The nature of the transfer of ownership also distinguishes it from ordinary leases, which exist in conventional financial institutions. The concept of al-Ijarah in Islamic banking as a lease in general, but what distinguishes it is that in Islamic banking there is a lease which at the end of the contract, the customer is given a choice/option to own the goods or not, generally called a lease purchase.   Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/895 10.47766/alhiwalah.v1i1.895 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 1 (2022): Al-Hiwalah : Journal Syariah Economic Law; 37-52 2963-0304 10.47766/alhiwalah.v1i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/895/325 Copyright (c) 2022 Dara Fitriani et al https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/896 2025-01-01T04:19:21Z AlHiwalah:ART

Akad Murabahah dalam Islam Ikbal, Muhammad Chaliddin, Chaliddin Akad, Murabaha, Islamic Buying and selling activities in everyday life is a phenomenon that has become a habit of the community. Especially the Indonesian people, especially the Indonesian people who work as traders. Buying and selling is regulated in Islamic sharia, but the knowledge of the people who buy and sell is still lacking. One of the contracts that often occurs in the community is the murabahah contract. Murabahah is a sale and purchase agreement between the bank and the customer. Islamic banks buy goods needed by customers and then sell them to the customer concerned at the acquisition price plus a profit margin agreed between the Islamic bank and the customer. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-12-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/896 10.47766/alhiwalah.v1i2.896 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 2 (2022): AL-Hiwalah: Journal Syariah Economic Law; 143-156 2963-0304 10.47766/alhiwalah.v1i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/896/413 Copyright (c) 2022 Muhammad Ikbal, Chaliddin Chaliddin https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/906 2024-07-13T05:38:06Z AlHiwalah:ART

Akad Wakalah dalam Jual Beli Rizal, Ahmed Buying and Selling Muwali Sharia Banking Wakalah Wakalah contract has an important role in buying and selling. This wakalah has the main purpose of providing financing and services in payment traffic and money circulation. The difference between Islamic banks and conventional banks when viewed in terms of its understanding. Wakalah in Islamic law is the delegation of power by one person as the first party to another person as the second party in the matters represented. Wakalah in Arabic means helping, maintaining, delegating, or being a representative acting on behalf of the person he represents. In terms, wakalah means mutual help between individuals in a problem when someone is legally unable or has obstacles to do so. The object being represented can involve property and other personal matters, such as marriage. The legal basis for wakalah is the Qur'an and hadith. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2022-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/906 10.47766/alhiwalah.v1i1.906 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 1 No. 1 (2022): Al-Hiwalah : Journal Syariah Economic Law; 01-17 2963-0304 10.47766/alhiwalah.v1i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/906/323 Copyright (c) 2022 Ahmed Rizal https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/1467 2026-04-17T03:15:31Z AlHiwalah:ART

Anak Yatim dan Wali: Sebuah Riset Atas Pengelolaan Harta Anak Yatim di Gampong Mongeudong dalam Perspektif Hukum Islam dan UU Perkawinan Munawar Khalil Chaliddin, Chaliddin Asset Management Guardian Islamic Law Marriage Law Orphaned Children Children are an important part of the younger generation who play a strategic role in shaping better families. Therefore, children need adequate guidance and protection to ensure their physical, psychological, mental, and social growth and development. This research discusses the management of orphaned children's assets in Gampong Mongeudong and the review of Islamic law and the Marriage Law on the management of orphaned children's assets. The research method used is field research conducted in the real life of the community. The results of the research show that the management of orphaned children's assets is done by family members, including fathers, mothers, grandmothers, or uncles. However, the process of determining the guardian of orphaned children does not comply with the provisions of the law. From the perspective of Islamic law, the maintenance of orphaned children's assets should be carried out by the guardian who is the closest relative in the line of guardianship. However, this guardianship must comply with several provisions, including the prohibition for the guardian to mix their assets with the assets of the child under their guardianship, the prohibition to excessively consume the child's assets, and the obligation to return the child's assets when the child reaches adulthood. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-06-28 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1467 10.47766/alhiwalah.v2i1.1467 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 1 (2023): Al-Hiwalah : Journal Syariah Economic Law; 1-17 2963-0304 10.47766/alhiwalah.v2i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1467/659 Copyright (c) 2023 Munawar Khalil, Chaliddin Chaliddin https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1471 2026-04-17T03:15:31Z AlHiwalah:ART

Peer to Peer Lending Syari’ah: Wadah Investasi Bisnis Sektor Riil untuk Pengembangan UMKM Fauzia Ulirrahmi Sharia Peer to Peer Lending Real-Sector Investment MSME The interest of Indonesian people in investing in real sector businesses, particularly MSMEs, is relatively low due to high risks and business uncertainties. Unfortunately, Sharia Financial Institutions have not played an active role in channeling cooperation-based financing. Instead, they have mostly focused on channeling murabahah financing under the buying and selling scheme. However, Sharia P2P Lending can help develop the real sector and have a positive impact on the national economy by reducing bureaucracy and complicated requirements. Sharia P2P Lending is an investment platform in real sector businesses that benefits business actors and investors. The use of Sharia P2P Lending can encourage the public to invest in the real sector because of the following reasons: (1) it provides a safe investment with higher returns compared to conventional investments, (2) it offers access to invest in the real sector with relatively small capital, (3) it allows investors to choose business actors and monitor their investment performance, (4) it has relatively low transaction costs and is easy to conduct transactions online, and (5) it provides protection through risk management and financing management policies carried out by the company. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-06-28 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1471 10.47766/alhiwalah.v2i1.1471 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 1 (2023): Al-Hiwalah : Journal Syariah Economic Law; 18-36 2963-0304 10.47766/alhiwalah.v2i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1471/660 Copyright (c) 2023 Fauzia Ulirrahmi https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1473 2026-04-17T03:15:31Z AlHiwalah:ART

Analisis Hukum dan Syariah dalam Budaya Digital: Tantangan dan Peluang di Era Teknologi Rahmawati, Fina Challenges Digital Culture Digital Technology Law, Sharia This research aims to examine the legal and Sharia challenges in the context of digital culture. The research method used is literature analysis and literature review. In this study, it was found that the development of digital technology has significant implications for the fields of law and Sharia, especially in the context of digital culture. Some of the challenges faced include issues of privacy, data security, validity of online transactions, as well as ethical and moral issues in the use of digital technology. The research results show that law and Sharia must continue to evolve to cope with the rapid changes in digital culture. This involves a deep understanding of the principles of law and Sharia and their application in the digital context. Furthermore, it is important for legal and Sharia practitioners to address emerging challenges in the digital culture, including engaging in collaborations among legal, Sharia, and technology experts to tackle complex issues. This research contributes to the understanding of legal and Sharia challenges in the digital culture and provides a basis for policy-making and relevant regulatory development to address the rapidly changing digital culture. This research is expected to provide guidance and direction for legal, Sharia, and technology practitioners in navigating the evolving digital culture Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-06-28 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1473 10.47766/alhiwalah.v2i1.1473 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 1 (2023): Al-Hiwalah : Journal Syariah Economic Law; 37-53 2963-0304 10.47766/alhiwalah.v2i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1473/661 Copyright (c) 2023 Fina Rahmawati Fina https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1480 2026-04-17T03:15:31Z AlHiwalah:ART

Perspektif Hukum Ekonomi Syariah Terhadap Penerapan Akad Wakalah di UPZ IAIN Madura Afandi , Moh Zahroh, Fatimatuzzahrah Contract Perspective Sharia UPZ IAIN Madura Wakalah Wakalah guard, guarantee, dependents, power of attorney. And also wakalah contract can be interpreted as the delegation of power by a person as the first party to another person as a second party in matters being represented (in this case the second party) only carries out something limited or the authority granted by the first party, but if the power has been carried out as required, then all risks and responsibilities for the implementation are fully carried out by the first party or the power of attorney. The research focus of this research is on the Application of Wakalah Contracts at UPZ IAIN Madura and how the application of Wakalah Contracts in the perspective of sharia economic law at UPZ IAIN Madura. In this study, the researcher used a qualitative research method, namely research that was intended to examine in a sharia way the application of the wakalah contract at UPZ IAIN Madura, where the phenomena experienced by subjects were empirical legal research or field research. Sources of data obtained through interviews, observation and documentation. The informant is the management of UPZ IAIN Madura (amil zakat). Then the data analysis technique used is starting from Data Reduction, Data Presentation and Conclusion. The research results of the wakalah contract applied at UPZ Madura are in accordance with the regulations of all UPZ IAIN Madura work programs which are in accordance with the meaning of the wakalah contract, namely the handing over of the mandate from muzakki to UPZ IAIN Madura. The requirement to become a manager must be truly trustworthy as one must be able to trust and be transparent in the management of ZIS finances (Zakat, Infaq and Sedekah). Muzakki who have donated their funds to UPZ IAIN Madura means that they have trusted UPZ IAIN Madura to be able to manage the funds from Muzakki. As a contribution from zakat managers which UPZ IAIN Madura must manage and distribute properly. Seeing from sharia economic law, the application of the wakalah contract at UPZ IAIN Madura has been carried out well. Because, looking at all aspects that occur related to zakat, infaq and alms, it is included in the special provisions in Islamic law. With this wakalah contract, Muzakki does not arbitrarily give trust to UPZ IAIN Madura to manage and distribute these funds to those in need. UPZ IAIN Madura provides funding facilities from orphans, the dhuafa and the poor/poor people Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-06-28 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1480 10.47766/alhiwalah.v2i1.1480 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 1 (2023): Al-Hiwalah : Journal Syariah Economic Law; 54-78 2963-0304 10.47766/alhiwalah.v2i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1480/662 Copyright (c) 2023 Fatimatuzzahrah Zahroh https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1482 2026-04-17T03:15:31Z AlHiwalah:ART

Analisis Manajemen Kompensasi dalam Meningkatkan Motivas dan Kinerja SDI di Perusahaan Petis HJ. Diya Food Sampang Rohim, Abd Haryanto, Rudy Human Resource Performance Kompensation Motivation Human Resource Performance or commonly known as an actual performance is a result achieved by a person in fulfilling his responsibilities as an employee. To produce good performance, of course, a way is needed so that the stake holder can work optimally. The existence of compensation in an organization or company can support motivational work so that it can produce good performance. This happened precisely at the petis Hj. Diya Food company, exactly on Jl. Mutiara Sampang which applies compensation to support employees’ enthusiasm. The purpose of this study is to explain the strategy of the petis Hj. Diya Food company in managing compensation so that it has an impact on the motivation of employee performance. The design of this study uses qualitative research with data collection techniques through observations, interviews, and documentations. Researcher analyzed the data using qualitative descriptive techniques. The results of this study showed that compensation has an impact on the motivation of workers in the company of petis Hj. Diya Food Sampang in producing good performance. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-06-28 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1482 10.47766/alhiwalah.v2i1.1482 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 1 (2023): Al-Hiwalah : Journal Syariah Economic Law; 79-91 2963-0304 10.47766/alhiwalah.v2i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1482/663 Copyright (c) 2023 Abd Rohim https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1489 2026-04-17T03:15:31Z AlHiwalah:ART

Analisa Status Halal Produk Umkm Perspektif Fatwa Mui Nomor 4 Tahun 2003 Tentang Standardisasi Fatwa Halal: Studi Kasus UMKM At-Tarqiyah, UD. Nayla Az-Zahrah, Dapur Aim Talang Siring Di Kabupaten Pamekasan Harisah, Harisah Almasuniyah, Annuriyah Fatwa of the Indonesian Ulema Council Halal Food Concept MSME Many MSME producers of processed food put halal writing on the packaging, either only with ordinary Latin and Arabic writing, or accompanied by the MUI halal logo and in terms of the main raw materials or additional ingredients, it is difficult to declare the origin of the ingredients to be halal. In fact, the clarity of a food product is the most important thing so that consumers know that the product they are consuming is a halal product and the origin of the ingredients is clear. This study uses a type of normative legal research with a statute approach and a textual approach. This research was approved to be conducted on 19 November 2021, while this research took place on 1 March 2022 BPJPH established a new halal label that applies nationally. For this reason, with this stipulation there is a transfer of the authority of the institution that issues halal certificates from the LPPOM-MUI institution to BPJPH under the Ministry of Religion, this design change is part of the transfer of authority for halal certificates to BPJPH. The results of the study show that: First, the production activities of the three SMEs in Pamekasan, namely UD. Nayla AZ, Kitchen AIM Talang Siring, in the process of procuring materials to distribution, which was carried out in practice, there were no activities and facilities contaminated with unclean/unlawful objects, apart from that no critical activities were found that could cause a product to be unlawful. Whereas at Tarqiyah in its critical activity it was found that the use of raw materials in the form of petis did not have a halal label. Second, the results of the analysis that the researchers carried out using MUI fatwa No. 4 of 2003 concerning the standardization of halal fatwa indicates that MSME products at Tarqiyah, namely BAPER, do not comply with 100% halal principles in accordance with LPPOM-MUI principles. Because the raw materials used are not labeled halal, so the origin of the materials, processes, and facilities used is not known, not only that, materials that are not labeled halal are also included in critical activities that cause a product to be non-halal. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-06-28 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1489 10.47766/alhiwalah.v2i1.1489 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 1 (2023): Al-Hiwalah : Journal Syariah Economic Law; 92-115 2963-0304 10.47766/alhiwalah.v2i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1489/669 Copyright (c) 2023 Risa Wahid https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1551 2026-04-17T03:14:36Z AlHiwalah:ART

Kebijakan Belanja Negara dalam Tinjauan Fikih Ibrahim, Yusriadi Zulhamdi, Zulhamdi Fiscal Islamic Economy Islamic State Islam Teaching Islam is a perfect teaching that includes learning norms for human life in the world and the hereafter, including economic learning which includes the State's shopping policy as one of the fiscal tools of the State, all of which have a purpose for the welfare of individuals and society. In this paper, the author will try to collect data from several literatures to examine briefly how Islam and economics as well as the State expenditure policy based on Islam, in terms of understanding, history, its application in modern times, as well as its combination with existing conventional system or which has been applied in advance by States which sometimes cause obstacles and problems in its implementation. Islam is a perfect teaching that includes learning norms for human life in the world and the hereafter, including economic learning which includes the State's shopping policy as one of the fiscal tools of the State, all of which have a purpose for the welfare of individuals and society. In this paper, the author will try to collect data from several literatures to examine briefly how Islam and economics as well as the State expenditure policy based on Islam, in terms of understanding, history, its application in modern times, as well as its combination with existing conventional system or which has been applied in advance by States which sometimes cause obstacles and problems in its implementation. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-12-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1551 10.47766/alhiwalah.v2i2.1551 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 2 (2023): Al-Hiwalah : Journal Syariah Economic Law; 131-148 2963-0304 10.47766/alhiwalah.v2i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1551/907 Copyright (c) 2023 Yusriadi Yusriadi, zulhamdi https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1713 2026-04-17T03:14:36Z AlHiwalah:ART

Analysis of Fiqh Tabarru' on the Use of Cashback Gopay Coins in Buying and Selling Transactions in Tokopedia App Agustiani, Sarah Amanah Susilawati, Cucu Cashback Gopay Coins Hibah Fiqh Tabarru' Tokopedia Gopay coins are balances given by Tokopedia for every customer who purchases at Tokopedia by fulfilling the conditions set by Tokopedia. This study aims to determine the mechanism of revenue and use of GoPay coins and fiqh tabarru' analysis of GoPay coins cashback in buying and selling transactions at Tokopedia. The method used in this research is a case study. This study's results indicate that to get GoPay coins, users must follow the conditions set by Tokopedia. GoPay coins are a marketing strategy so that Tokopedia users continue to grow. The contract used in giving GoPay coins by Tokopedia to users is a grant contract, namely ja'izah tasyji'iyyah. In conclusion, using GoPay coins in buying and selling transactions in the Tokopedia application is permissible according to Sharia economic law and is included in the fiqh tabarru'. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-12-06 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1713 10.47766/alhiwalah.v2i2.1713 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 2 (2023): Al-Hiwalah : Journal Syariah Economic Law; 149-166 2963-0304 10.47766/alhiwalah.v2i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1713/908 Copyright (c) 2023 Sarah Amanah Agustiani, Cucu Susilawati https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1947 2026-04-17T03:14:36Z AlHiwalah:ART

Foreign Exchange : An Analysis of the Indonesian Ulema Council The National Sharia Council Fatwa and the Perspective of Lhokseumawe Ulema Consultative Council Members Khadafi, Muammar Mirsal, Ilham Rezeki, Gebrina Yusuf, Nazaruddin Foreign Exchange Transactions, The National Sharia Council Fatwa, Ulema Consultative Council ABSTRAK Devisa adalah pertukaran dua jenis barang berharga atau jual beli uang dengan uang atau jual beli antar barang sejenis secara tunai, jual beli atau penukaran mata uang suatu negara dengan mata uang negara lain, misalnya rupiah dengan dollar dan lain sebagainya. Rumusannya adalah 1) Apa prinsip ideal dalam transaksi valuta asing dan relevansi fatwa Dewan Syariah Nasional. 2) Bagaimana ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe. Penelitian ini termasuk penelitian lapangan yang bersifat deskriptif dan menggunakan data kualitatif. Hasil penelitian mengenai transaksi jual beli mata uang pada prinsipnya diperbolehkan dengan ketentuan sebagai berikut: a. Bukan untuk spekulasi. B.Ada kebutuhan transaksi atau untuk berjaga-jaga. C. Jika transaksi dilakukan dalam mata uang yang sama, maka nilainya harus sama dan sama dengan uang tunai. D. jika jenisnya berbeda, maka harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan ketentuan sebagai berikut: pertama, tidak untuk berspekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka Karena harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai. nilainya harus sama dan sama dengan uang tunai. D. jika jenisnya berbeda, maka harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan ketentuan sebagai berikut: pertama, tidak untuk berspekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka Karena harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai. nilainya harus sama dan sama dengan uang tunai. D. jika jenisnya berbeda, maka harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan ketentuan sebagai berikut: pertama, tidak untuk berspekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka Karena harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai. itu harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai.Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan syarat: pertama, tidak untuk spekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka nilainya harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai. itu harus dilakukan dengan kurs (kurs) yang berlaku pada saat transaksi dilakukan dan secara tunai. Kedua, ketentuan devisa menurut pandangan anggota Majelis Permusyawaratan Ulama Lhokseumawe yaitu akad Al-Sharf diperbolehkan dengan syarat: pertama, tidak untuk berspekulasi, kedua, untuk keperluan transaksi atau untuk berjaga-jaga, ketiga , jika transaksi dilakukan dengan mata uang yang sama maka nilainya harus sama dan tunai sebelum kedua belah pihak berpisah dan tidak ada syarat khiyar, keempat, jika berbeda jenis maka harus dilakukan dengan kurs di berlaku pada saat transaksi dilakukan secara tunai.   Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-12-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1947 10.47766/alhiwalah.v2i2.1947 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 2 (2023): Al-Hiwalah : Journal Syariah Economic Law; 191-223 2963-0304 10.47766/alhiwalah.v2i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1947/909 Copyright (c) 2023 Muammar, Ilham, Gebrina Rezeki Gebrina Rezeki, Nazaruddin Nazaruddin https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1948 2026-04-17T03:14:36Z AlHiwalah:ART

The Concept of Profit In Syirkah Al-‘Inān Islamic Economic Perspective: Study at People's Banks Ipoh, Perak Malaysia Junaidy, Athailah Ikbal, Muhammad Zulhamdi, Zulhamdi Islamic banking, Musyarakah and Project finance. This research is about studying the concept of "advantages of syirkah al-inan from the perspective of the Islamic Economic System". To achieve the above objectives, the author applied the following methodology in his research: Collecting data/information from a number of libraries and institutions; Field studies by studying Bank Rakyat data to add the information needed. The interview method is used to conduct interviews with respondents who are directly involved with the research topic, for example Managers and Sharia Administrators at the bank; and Relying on the Al-Quran, Hadith, opinions of Ulama whose opinions have been embedded in famous books and studies carried out by contemporary Islamic thinkers. Based on this research, the author is able to understand the concept of profit in syirkah al-Inan from an Islamic economic perspective. The author found that musyarakah or syirkah is a form of cooperation between two or more people to carry out a business or activity motivated by profit. Musyarakah is an instrument offered by Bank Rakyat. Therefore, this research will describe the problem of syirkah al-inan from the perspective of Islamic law and its application, especially at Bank Rakyat and conclude whether the concept used is in accordance with Islamic sharia or not. If we observe the opinions of the schools of thought we find that there are two main concepts in profit sharing. Based on the Syafie school of thought, profit sharing is based on the ratio of capital injected by partners. The second profit sharing concept is based on what has been previously agreed without reference to the ratio of capital injected. The second concept is based on the Imam Hanafi school of thought. Based on observations made, it was found that Bank Rakyat has implemented the Islamic Sharia Banking concept, especially in the problem of profit distribution in its musyarakah products. Therefore, the issue of profit sharing is very important not only as an index to determine the success or failure of a partnership, but also as a benchmark that the targeted profits for the company have been achieved. Therefore, the model used in sharing profits based on sharia requires a clear response and never fails. The author hopes that this research can become a useful guide for society Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-12-12 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1948 10.47766/alhiwalah.v2i2.1948 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 2 (2023): Al-Hiwalah : Journal Syariah Economic Law; 167-190 2963-0304 10.47766/alhiwalah.v2i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1948/901 Copyright (c) 2023 Athailah Junaidy, Ikbal, Zulhamdi https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1978 2026-04-17T03:14:36Z AlHiwalah:ART

Analysis of Car Rental Practices According to Law No. 22 of 2009 and Sharia Economic Law: Rental Practice, CV. Gallery Rental, Sharia Economic Law Syarif, Muhammad Hasbi, Husnaini Littaqwani, Tasya Chaliddin, Chaliddin Rental Practice; CV. Gallery Rental; Sharia Economic Law Leasing is a right commonly exercised by the community and is one form of interaction that is often carried out. The problem in this study is about the practice of Car Rental according to Law Number 22 of 2009 concerning traffic rules and Sharia Economic Law that occurs at CV Galeri Rental in Banda Sakti District, Lhokseumawe City. The formulation of this research problem, namely: 1) How is the practice of car rental at CV Galeri Rental Lhokseumawe City? 2) How is the analysis of sharia economic law and Law 22 of 2009 concerning traffic offences on car rental practices at CV Galeri Rental? This research is field research, using qualitative research methods. The approach method in this research uses empirical-juridical method. The techniques used in collecting data in this research are through observation, interviews and documentation. The results of the research show that the provisions regarding rights and obligations in the implementation of car leases at CV Galeri Rental are contained in a lease agreement in which the terms and conditions including rights and obligations are regulated. Case settlement due to negligence by the tenant in the car rental agreement at CV Galeri Rental in the form of damage or delay, the rental party refers to the agreement letter owned by CV Galeri Rental. In accordance with Law Number 22 Year 2009 Article 234.  According to the view of Sharia Economic Law on the practice of Leasing, the original law is mubah (permissible), as long as it does not conflict with the rules set out in the Quran, Hadith and Ijma'. Likewise, the practice of car rental leasing that occurs at CV Galeri Rental Lhokseumawe City is also permissible, because the lease and the benefits are good for both the tenant and the renting party. But in the practice of renting a car rental, the renting party does not determine the rental time limit, but depends on the car renter how many days he wants to rent out his car. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-12-25 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1978 10.47766/alhiwalah.v2i2.1978 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 2 (2023): Al-Hiwalah : Journal Syariah Economic Law; 224-247 2963-0304 10.47766/alhiwalah.v2i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1978/913 Copyright (c) 2023 Muhammad Syarif, Husnaini, Tasya, Chaliddin https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/1980 2026-04-17T03:14:36Z AlHiwalah:ART

Coffee Commodity Development: An Effort to Accelerate Diversification of Food Consumption Based on Local Resources in Central Aceh Regency Rizki, Muhammad Razali, Ramadhan Coffee Commodity Development Food Consumption Diversification Local Resource This research discusses the Development of Coffee Commodities as an Effort to Accelerate Diversification of Food Consumption Based on Local Resources in Central Aceh Regency. This research aims to analyze the development of coffee commodities as an effort to accelerate the diversification of local resource-based food consumption in Central Aceh Regency. Central Aceh Regency has great potential in coffee production, but the limited diversification of local food consumption is one of the problems that need to be overcome. This research uses a descriptive method with a qualitative approach to collect data from various sources, such as field surveys, interviews, and documentation of data analysis used in this research primary and secondary data. Based on the results of the study it was found that: The development of coffee commodities as an effort to accelerate the diversification of local resource-based food consumption in Central Aceh District has great potential. By utilizing the favorable geographical conditions and diversity of coffee varieties, high quality coffee can be produced which is one of the alternatives for local food consumption. However, challenges such as lack of market access, lack of promotion, limited infrastructure, as well as climate change and pest attacks, need to be addressed through collaborative efforts between coffee farmers, local government, and other stakeholders Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2023-11-25 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1980 10.47766/alhiwalah.v2i2.1980 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 2 No. 2 (2023): Al-Hiwalah : Journal Syariah Economic Law; 116-130 2963-0304 10.47766/alhiwalah.v2i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/1980/906 Copyright (c) 2023 Muhammad, Ramadhan Razali https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/2090 2026-04-17T03:13:55Z AlHiwalah:ART

Analysis of the Role of the Creative Economy in Advancing Product Business at MTs Al-Jauhariyah Rohim, Abd Creative Economy, Business Development, Islamic Junior High School This study aims to analyze the role of the creative economy to improve product business in MTs Al-Jauhariyah. In addition to being an educational center, secondary schools also have the potential as a locus of local economic development through creative products. The creative economy is the main focus to increase competitiveness and economic contribution from product businesses in the school environment. Using qualitative research methods, data were collected through in-depth interviews with related parties, direct observation, and documentation studies. The results showed that creativity, innovation, and invention play a key role in the development of product business in this school. In terms of product concept, innovation and differentiation through the creative economy provide significant added value. Factors such as local community involvement, utilization of local resources, and integration of curriculum with creative economy aspects also strengthen the positive impact on the development of product business at MTs Al-Jauhariyah. This research contributes to the practical and theoretical understanding of how the creative economy can be implemented in secondary education environments, exactly in MTs Al-Jauhariyah. This finding can be a foundation for policy makers, schools, and education practitioners to optimize the role of the creative economy in developing product businesses in similar institutions. In addition, this research also opens opportunities for further research related to the integration of creative economy concepts in the context of formal education. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-06-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2090 10.47766/alhiwalah.v3i1.2090 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 1 (2024): Al-Hiwalah : Journal Syariah Economic Law; 1-12 2963-0304 10.47766/alhiwalah.v3i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2090/1255 Copyright (c) 2024 Abd Rohim https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/2568 2026-04-17T03:13:55Z AlHiwalah:ART

Innovation in Distribution of Wealth Through Zakat: Building Shared Prosperity by Applying Tafsir Qs. At-Taubah Verse 60 Hasanah, Uswatun Harisah, Harisah Al Humaidy, Mohammad Ali Inovasi, Distribusi, Zakat, Kesejahteraan, Penafsiran. Whether it is recognized or not, there are many things in society problems related to the economy,especially not equal distribution of income between one group and another others that cause social and economic disparities.To overcome this problem, zakat is the obligation of every Muslim for those who have fulfilled the requirements to accomplish this, become an alternative solution for overcome this problem. In this case distribution Zakat funds are the most important part of building shared prosperity. But in this era of globalization of course. The distribution of zakat requires new innovations through application of QS interpretation. at-taubah verse 60 effectively, efficiently and relevant to the development of the times by doing various collaborations and modern distribution models. Tree The discussion in this article is the application of QS interpretation. At-Taubah verse 60 which emphasizes the concept of caring, justice and economic equality by combining new innovations to create a more effective system in building economic prosperity, of course can be realized by applying eight groups mustahiq who has the right to receive and utilize funds zakat. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-06-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2568 10.47766/alhiwalah.v3i1.2568 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 1 (2024): Al-Hiwalah : Journal Syariah Economic Law; 13-31 2963-0304 10.47766/alhiwalah.v3i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2568/1256 Copyright (c) 2024 Uswatun Hasanah, Harisah https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/2612 2026-04-17T03:13:55Z AlHiwalah:ART

The Tradition of Donating Celebrations with the Potangan System in a Review of Sharia Economic Law Natasya Stifani Kurniawati, Fitri Tradition, Nyumbang, Community This research aims to explain in depth the description of sharia economic law regarding the deduction system in the tradition of nyumbang to celebrations in the Ulujami community. This research is library research with a qualitative approach. The data sources used in this research come from various literature journal articles that are relevant to the research topic and describe the facts which are then continued with analysis. The data analysis method used is content analysis of the literature sources used in the research. The tradition of nyumbang in Ulujami shows a strong sense of mutual trust and cooperation between givers and recipients. Trust is a type of trust that people have in each other when interacting with each other in activities based on bonds of brotherhood, mutual giving, and mutual agreement with the aim of producing moral and material benefits for both parties. The Ulujami community has various types of celebrations, including circumcisions, weddings, house building, and even recitation of the Koran. They also carry out a tradition of donating called "potangan" which means bequeathing some of their wealth in the hope that it will be returned during future celebrations. With this phenomenon, how Islam responds to the phenomenon of the cutting system is through the tradition of contributing to the Ulujami. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-06-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2612 10.47766/alhiwalah.v3i1.2612 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 1 (2024): Al-Hiwalah : Journal Syariah Economic Law; 32-48 2963-0304 10.47766/alhiwalah.v3i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2612/1257 Copyright (c) 2024 Natasya Stifani, Fitri Kurniawati https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/2879 2026-04-17T03:13:55Z AlHiwalah:ART

Effectiveness of Recruitment and Selection in Improving Employee Performance at PNM Mekaar Unit Kadur 2 Iman, Nurul Hidayati, Nurul Kata kunci: Rekrutmen, Seleksi, Efektivitas, Kinerja. Recruitment is to provide qualified prospective employees in line with the company’s strategy, insight and values to help reduce the possibility of employee turnover. The recruitment process at PMN Mekaar Unit Kadur 2 pays more attention to the quantity aspect. This can be seen from the fact that prospective employees who register there are accepted easily, because the conditions are easy and the process is short. The focus of this research is the recruitment and selection process in improving employee performance at PNM Mekaar Unit Kadur 2. The objective of this research are to 1) determnine the employee recruitment and selection process, 2) identify obstacles in the recruitment adn selection process, and 3) determine the effectiveness recruitment and selection in improving employee performance at PNM Mekaar Unit Kadur 2. The methot use in this research is qualitative descriptive analysis technique with basic research. For data collection, interview techniques, focus groups, documentation were used. The result of the research show that 1) The stages of the recruitment process include employee request, publication of job vacancies, application process, job interviews and psychological tests, employee selection and field test, and employment contracts. 2) The obstacle faced by the company is that employees easily get discouraged, due to the toxic environment and non compliance with work contracts, and 3) Through the five effectiveness criteria, recruitment and selection are found to be ineffective. Meanwhile, through the six employee perfomance criteriam the recruitment and selection process has a very positive effect on employee performance in the quality, quantity and cost effectiveness indicators and has a negative effect on employee performance in the timelines, need for supervision and interpersonal impact indicators. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2879 10.47766/alhiwalah.v3i1.2879 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 1 (2024): Al-Hiwalah : Journal Syariah Economic Law; 49-65 2963-0304 10.47766/alhiwalah.v3i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2879/1259 Copyright (c) 2024 Nurul Hidayati, Nurul Iman https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/2893 2026-04-17T03:13:55Z AlHiwalah:ART

Sharia Economic Dispute Resolution Model According to Qanun No. 11 of 2018 concerning Sharia Financial Institutions Rizal, Syamsul Dara, Cut Khadafi, Muammar Kafrawi, Kafrawi Husnaini, Husnaini zulhamdi, zulhamdi Dispute Resolution Model Qanun no. 11 2018 Sharia Financial Institutions When many business entity activities start to appear that use the sharia label, the resolution must be carried out by institutions that truly understand sharia economics. So, creating economic products that have the term sharia attached to them is not easy and requires various kinds of adjustments, such as; applicable laws and regulations, contemporary economic developments in global society which tend to be value-free, varied transaction models, and so on. All of this must be able to be adjusted to sharia principles. The problem formulation in this research is: What is the Sharia Economic Dispute Resolution Model seen from Qanun No. 11 of 2018 concerning Sharia Financial Institutions? The type of research used is library research, namely by studying and examining sources. written text that is relevant to the discussion material. The results of this research are a model for Sharia Economic Dispute Resolution after the implementation of Qanun No. 11 of 2018 concerning Sharia Financial Institutions, a model for resolving disputes through non-litigation (outside of court), namely a model for resolving disputes that is carried out using methods that exist outside of court. usually called an alternative dispute resolution institution. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2893 10.47766/alhiwalah.v3i1.2893 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 1 (2024): Al-Hiwalah : Journal Syariah Economic Law; 66-86 2963-0304 10.47766/alhiwalah.v3i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/2893/1374 Copyright (c) 2024 Syamsul Rizal, zulhamdi https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/3097 2026-04-17T03:12:36Z AlHiwalah:ART

Dumping Problems on Business Competition in Tax Law Aspects Zuki, Ade Globalization Production Dumping The impact of globalization has resulted in many countries becoming increasingly interdependent, prompting many countries to intensify international trade flows through cross-border cooperation. The problems above some of them occur on exports and imports. Manufacturers from different countries need to compete in reality, with an orientation to dominate large-scale markets. The domestic market of a country through a variety of ways. Among the measures taken by a producer of such a country is to lower prices irrationally, or called dumping, to the lowest point than the price in place in the country concerned. The exclusion of the producer affects the marketing price of its similar commodities, thus complicating the production of the country's intended commodity and resulting in a reduction in production. This research uses a literary study or a library survey. Literature studies are research approaches aimed at gathering quality data sources based on a specific topic. The aim of literature studies is to describe the main content based on available information. The results of the study showed that dumping is a mechanism to market a commodity to the country market for a large quantity and to deal with very low nominal (cheap) expects not to lower the purchase price in the country in order to be able to'subjugate' the country's market and can regain price control. There's a variety of influences triggered by dumping practices. Therefore, this article sets out a measure to deal with it, namely the anti-dumping rules. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-12-12 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/3097 10.47766/al-hiwalah.v3i2.3097 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law; 98-115 2963-0304 10.47766/al-hiwalah.v3i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/3097/1477 Copyright (c) 2024 Ade Zuki https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/3129 2026-04-17T03:12:36Z AlHiwalah:ART

Distribution of Zakat Fitrah in Lebeng Barat Village from an Islamic perspective Nurul Hidayati, Nurul Wahyuni, Sri Distribution Zakat Fitrah Islamic Perspective Zakat is one of the main pillars of Islam, which is an obligation for Muslims according to the command of the Shari'a. In the Qur'an, Allah SWT equates the importance of zakat with a very great worship, namely prayer, by mentioning it in eighty-two verses, emphasizing how great the value of zakat is. The purpose of this study is to determine how the provisions for the distribution of zakat are according to Islamic teachings and how Islamic law reviews the distribution of zakat fitran in Lebeng Barat Village. The method used is descriptive qualitative research with library research methods. The results show that the people of Lebeng Barat Village, Pamekasan are already aware of their obligation to pay zakat, the people of Lebeng Barat Village, Sumenep, from the 8 groups mentioned in the Qur'an only distribute to 4 groups. Regarding Muzakki outside the domicile, they pay zakat fitrah twice, which should be distributed to the poor in the area of ​​the person paying zakat. Even though it is permissible to send zakat fitrah to other areas, the reason must be based on factors of need or benefit, not because of kinship or place of birth Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-12-14 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/3129 10.47766/al-hiwalah.v3i2.3129 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law; 116-125 2963-0304 10.47766/al-hiwalah.v3i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/3129/1478 Copyright (c) 2024 Nurul Nurul Hidayati, Sri Wahyuni https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/3141 2026-04-17T03:13:55Z AlHiwalah:ART

The Leadership Role of Branch Heads in Motivating Employee Performance at BMT NU East Java Camplong Sampang Branch Sitti Aisyah Kepemimpinan Motivasi Karyawan Kepemimpinan merupakan suatu usaha dariseorang pemimpin untuk dapat merealisasikan tujuanindividu ataupun tujuan organisasi. Oleh karena itu, pemimpin diharapkan dapat memengaruhi, mendukung, dan memberikan motivasi agar para pengikutnya tersebutmau melaksanakannya secara antusias dalam mencapaitujuan yang diinginkan baik secara individu maupunorganisasi. Peran kepemimpinan dalam suatu perusahaanmerupakan inti dari dari manajemen dan memiliki kaitanyang sangat erat dengan motivasi kerja. Hal ini terjaditepatnya di BMT NU Jawa Timur Cabang CamplongSampang, peran pemimpin kepala cabang dalammemotivasi karyawannya, agar karyawannya lebihterpusatkan untuk mencapai sasaran-sasaran organisasidan mendapatkan hasil kerja kerasnya. Tujuan Penelitianini adalah menjelaskan peran kepemimpinan kepalacabang dalam memotivasi kinerja karyawan dan dampakperan kepemimpinan kepala cabang dalam memotivasiterhadap kinerja karyawan. Adapun desain penelitian inimenggunakan penelitian kualitatif dengan teknikpengumpulan data melalui observasi, wawancara, dan dokumentasi. Peneliti menganalisis data denganmenggunakan teknik deksriptif kualitatif. Hasil penelitian ini menunjukkan bahwa peran kepemimpinankepala cabang di  BMT NU Jawa Timur Cabang Camplong Sampang membawa pengaruh dalammembangun  motivasi kinerja karyawan dalam mencapaitarget di sebuah perusahaan atau organisasi. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-06-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/3141 10.47766/alhiwalah.v3i1.3141 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 1 (2024): Al-Hiwalah : Journal Syariah Economic Law; 87-97 2963-0304 10.47766/alhiwalah.v3i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/3141/1260 Copyright (c) 2024 Sitti Aisyah https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/4167 2026-04-17T03:12:36Z AlHiwalah:ART

Provisions of Public Housing Savings Policy Based on Public Welfare According to Sharia Economic Law Saifuddin, Muhammad Azhar Yasin, Achmad People's Housing Savings Public Welfare Sharia Economic Law Abstract: This study was conducted to measure the extent of the implementation of the People's Housing Savings (Tapera) policy by referring to Law No. 4 of 2016 and PP Tapera No. 25 of 2020 which will be combined using the principles of Sharia Economic Law. This program is an alternative solution to provide access to ownership of livable housing; with affordable housing prices for low and middle income groups. This study focuses on the suitability of the Tapera Program with the principles of Sharia Economic Law in terms of welfare. The research method used is an empirical-qualitative method with a case approach with a study of literature available from various financing platforms. The results show that Tapera is a solution to improve people's welfare by providing fulfillment of basic community needs, and easy financing using sharia principles. This study provides recommendations on adjusting the contract to support an effective program of the Tapera policy from the aspect of reporting and supervision that is more structured, transparent and accountable in order to fulfill public trust. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-12-15 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4167 10.47766/al-hiwalah.v3i2.4167 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law; 126-145 2963-0304 10.47766/al-hiwalah.v3i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4167/1476 Copyright (c) 2024 Muhammad Azhar Saifuddin, Achmad Yasin https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/4670 2026-04-17T03:12:36Z AlHiwalah:ART

Sharia Peer-to-Peer Lending Financing : A Funding Alternative for MSMEs in Indonesia Desky, Harjoni Savitri, Asmah Peer-to-Peer Sharia Financing MSMEs Sharia Fintech Access to Capital Sharia-based Peer-to-Peer (P2P) lending has become one of the funding alternatives for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia that have limited access to capital from conventional banks. By using Sharia principles, this P2P lending aims to provide funding services that follow Islamic values and are open to MSME players. Research objectives: This study aims to analyze the role, effectiveness, and challenges of Islamic P2P lending financing in supporting the development of MSMEs in Indonesia and assess its compliance with Islamic economic principles. Research method: This research uses a qualitative approach with a literature study method and in-depth interviews with several MSME players and Islamic P2P lending service providers. Secondary data were obtained from reports and publications of the Islamic fintech industry, while primary data were collected through interviews that were thematically analyzed. Research results: The results show that Islamic P2P lending financing can provide significant alternative funding for MSMEs in Indonesia, especially in terms of accessibility and flexibility. However, there are challenges related to regulation and public education on Islamic financing. The Sharia-compliant P2P lending system also attracts MSMEs that are committed to the halal economy, although there is a need for improvement in the transparency aspect. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-12-15 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4670 10.47766/al-hiwalah.v3i2.4670 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law; 146-162 2963-0304 10.47766/al-hiwalah.v3i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4670/1480 Copyright (c) 2024 Harjoni Desky, Asmah Savitri https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/4715 2026-04-17T03:12:36Z AlHiwalah:ART

Punishment for Prostitution Offenders in the Review of Maqashid Syariah Syarif, Muhammad Zakaria, Zakaria Zulhamdi, Zulhamdi Hasbi, Husnaini Nazir, Muhammad Punishment Prostitutes Maqashid Sharia Prostitution which is prostitution is very dangerous for the maintenance of offspring (hifz al-nasl) and lead to criminal acts of crime under Islamic law. This library research was conducted by studying books and journals that are relevant to the writing of this article. In the Islamic perspective there is no nomenclature implicitly mentioning prostitution. Prostitution is the provision of sexual services by a man or a woman for money or satisfaction. Prostitution or prostitution is defined as adultery. Prostitution is a practice that destroys the foundations of family life, morality, morality, law and religion. In the Qur'an it is explained that the appropriate punishment for adulterymuhsan in the form of punishment of stoning and adulteryghairu muhsan was subject to a penalty of 100 lashes. Give punishment to the perpetrators of prostitution to prevent the occurrence of acts of adultery that can damage the sustainability of human life, especially aspects dharuriat, namely maintenance hifz al-nasl. Punishments are given in order to create sharia goals and punishment in Islamic law which includes prevention and guidance can be achieved and creates a deterrent effect for perpetrators, and not to repeat the act.   Keywords: Punishment, Prostitutes, Maqashid Sharia Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-12-16 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4715 10.47766/al-hiwalah.v3i2.4715 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law; 163-180 2963-0304 10.47766/al-hiwalah.v3i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4715/1481 Copyright (c) 2024 Muhammad Syarif, Zakaria, Zulhamdi; Husnaini Hasbi; Muhammad Nazir https://creativecommons.org/licenses/by-sa/4.0/?ref=chooser-v1

oai:ojs2.journal.uinsuna.ac.id:article/4790 2026-04-17T03:12:36Z AlHiwalah:ART

Regulation of the Minister of Trade No. 31 of 2023 on E-Commerce Business on the Tiktok Platform: An Analysis of Sharia Economic Law Nurlinda, Nurlinda Dayyan, Muhammad Daud, Zulfikar Sharia Economic Law Minister of Trade Regulation Number 31 of 2023 TikTok e-Commerce Regulation This study aims to analyze the Regulation of the Minister of Trade Number 31 of 2023 which regulates the use of TikTok as an e-commerce platform from the perspective of Sharia Economic Law. TikTok, which was originally a social media platform, has now transformed into one of the e-commerce platforms that is popular with the public, especially the younger generation. This Regulation of the Minister of Trade provides regulations related to business permits, transparency, and transaction security, which aim to protect consumers and business actors. However, from the perspective of Sharia Economic Law, there are principles such as justice (al-‘adl), balance (al-mizan), and welfare (maqashid syariah) that must be met. This study uses a normative juridical method with an analytical descriptive approach to identify the conformity of these regulations with Sharia principles, as well as the impact of regulations on halal and profitable digital economic activities. The results of the study show that Permendag Number 31 of 2023 is largely in line with the principles of Sharia Economic Law, namely prioritizing aspects of fairness and transaction security, but several points still require further adjustment to be more in line with Sharia values. This study provides recommendations to the government to pay attention to Sharia aspects in the development of digital economic regulations in Indonesia. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2024-12-17 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4790 10.47766/al-hiwalah.v3i2.4790 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law; 181-200 2963-0304 10.47766/al-hiwalah.v3i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4790/1479 Copyright (c) 2024 Nurlinda, Muhammad Dayyan, Zulfikar https://creativecommons.org/licenses/by-sa/4.0/

oai:ojs2.journal.uinsuna.ac.id:article/4793 2026-04-17T03:12:18Z AlHiwalah:ART

Gold Dowry in Acehnese Traditional Marriage: Das Sein and Das Sollen in Pidie Community Practices Ikhsan, Muhammad Hasbi, Husnaini Ishak, Abdullah Dowry of Gold Das Sein Das Sollen Acehnese Traditional Marriage Abstract: Dowry in marriage is the right of a wife which is the obligation of the husband, in Acehnese customs the dowry is generally in the form of gold. Dowry known as jeulamee or jeunamee has a different value in each district/city in Aceh, some have a value of 1 (one) may equivalent to 3.3 grams, and some have a value of 1 mayam equivalent to 3 grams. The problem arises when the price of buying and selling gold increases, which makes some people postpone their marriage because gold is getting more expensive daily, plus the dowry that must be prepared ranges from 10-30 mayam. Related to this problem, how do das sein and das sollen Pidie society determine the amount of dowry, and how do the parties decide when the price of buying and selling gold increases. Qualitative research is the method used, focusing on field research as a primary source. The first finding in the practice of the Pidie community, das sein society should have married when they were financially and emotionally ready plus an understanding of religion related to the household to avoid unnecessary conflicts. However, Das Sollen found that some people postpone their marriage because of capital constraints, including the dowry which is not a small amount plus the reception or walimatul ursy which also requires large capital. The family in this problem has different views or opinions on how to deal with this problem, generally, both parties will take a middle path in the form of deliberation to achieve win-win solutions. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-06-17 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4793 10.47766/al-hiwalah.v4i1.4793 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law; 39-52 2963-0304 10.47766/al-hiwalah.v4i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4793/1720 Copyright (c) 2025 Muhammad Ikhsan, Husnaini https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/4890 2026-04-17T03:12:18Z AlHiwalah:ART

Legal and Ethical Challenges in Developing Islamic Financial Products : A Contemporary Perspective Yazid, Nawawi Nawawi, Muhammad Legal Challenges Sharia Ethics Sharia Financial Products Contemporary The development of Shariah-compliant financial products has become an integral part of the global banking and finance industry. This article examines the legal and ethical challenges faced in the development of Shariah-compliant financial products from a contemporary perspective. These challenges include strict adherence to Shariah principles, effective supervision and regulation, as well as ethical considerations in handling customer funds. In the context of the evolving financial technology (fintech) innovation, this article also explores how Shariah-compliant financial products can harness this technology without compromising the integrity of Shariah principles. Additionally, we identify recent trends and changes in Shariah-compliant financial products and analyze the social and economic impact of successful development in this area. This article also presents innovative approaches and solutions to address the legal and ethical challenges encountered, with the aim of promoting sustainable growth of Shariah-compliant financial products in line with Shariah principles. This research is expected to provide valuable insights to financial practitioners, regulators, and researchers interested in the development of Shariah-compliant financial products in the contemporary era. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-06-24 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4890 10.47766/al-hiwalah.v4i1.4890 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law; 53-75 2963-0304 10.47766/al-hiwalah.v4i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4890/1721 Copyright (c) 2025 Nawawi Yazid, Muhammad Nawawi https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/4971 2026-04-17T03:12:18Z AlHiwalah:ART

Application of Ujrah Discounts on Pawn Products at BSI Kc Bojonegoro According To Sharia Economic Law Al Baqiyyatus Sholihah, Milda Yasin, Achmad Ujrah Discount Pawn Sharia Economic Law This research focuses on the application of ujrah discounts in pawn products implemented by Bank Syariah Indonesia (BSI) Bojonegoro Branch Office and analyzes its conformity with the principles of Sharia Economic Law. Sharia pawning, as one of the superior products of sharia banking, involves a contract between the bank and the customer where the customer hands over goods as collateral for the loan provided by the bank. In this agreement, the bank charges an ujrah fee in exchange for storage and maintenance services for collateral. However, with increasingly tight competition between sharia financial institutions, BSI KC Bojonegoro developed a marketing strategy in the form of providing discounts on ujrah fees applied. The research method used is qualitative-descriptive with data collection techniques through interviews, observation and documentation. The research results show that providing ujrah discounts at BSI KC Bojonegoro is carried out as a marketing strategy to attract customers and increase competitiveness. From the perspective of Sharia Economic Law, the application of this discount is considered in accordance with sharia principles as long as it does not violate the terms of the contract and transparency is maintained. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-06-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4971 10.47766/al-hiwalah.v4i1.4971 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law; 88-106 2963-0304 10.47766/al-hiwalah.v4i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/4971/1753 Copyright (c) 2025 Milda Al Baqiyyatus Sholihah, Achmad Yasin https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/5148 2026-04-17T03:12:18Z AlHiwalah:ART

Buying and Selling Food Without Price Labels: The Perspective of Law No. 8 of 1999 and Islamic Law Julijanto, Muhammad Anastiti, Merdikaning Buying Selling Labels Price Buying and selling food without a price tag impacts buyers, but this is regulated in Law No. 8 of 1999 and Islamic law. This study aims to determine the implementation of buying and selling without price tags in Angkringan and buying and selling food without price tags from the perspective of Law No. 8 of 1999 and Islamic Law. This research methodology uses field research and qualitative research. The data sources used are primary data sources and secondary data sources. This research is located in Angkringan, Ngringo Village, Jaten District, Karanganyar Regency. Data collection techniques are carried out through observation, interviews, and documentation. The data analysis techniques used are data reduction, data presentation, and conclusions. The results of this study can be concluded that the implementation of buying and selling food at the Angkringan of Ngringo Village, Jaten District, Karanganyar Regency is carried out by taking or ordering a system, then eating and paying at the end. Five Angkringan business actors are passive regarding price information, and there is one business actor who takes the initiative to include prices. Buying and selling without a price tag violates the provisions of Article 7 of Law Number 8 of 1999. A contract, already contains elements of jahalah, ikrah, dharar, so the sale and purchase are said to be khiyar disgrace. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-06-14 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/5148 10.47766/al-hiwalah.v4i1.5148 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law; 1-20 2963-0304 10.47766/al-hiwalah.v4i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/5148/1714 Copyright (c) 2025 Muhammad Julijanto, Merdikaning Anastiti https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/5258 2026-04-17T03:12:18Z AlHiwalah:ART

Conceptual Analysis of Musyarakah Mutanaqishah Contract and its Implementation in Islamic Banking Rahmah, Salimatur Hastriana, Anna Zakiyah Musyarakah mutanaqishah Implementation Islamic banking The concept of Musyarakah Mutanaqishah contract is one form of partnership contract in Islamic banking that is rapidly developing as an alternative financing, where the bank and the customer together provide capital for a business and the bank will gradually reduce ownership of the business along with payments by the customer. In this contract, the customer does not only act as a borrower, but also as a partner in sharing profits and losses based on the proportion of each capital contribution. The implementation of Musyarakah Mutanaqishah in Islamic banking provides a solution for financing the purchase of assets such as houses or vehicles while maintaining sharia principles, including the prohibition of usury, gharar, and maysir. In practice, the Musyarakah Mutanaqishah contract is not only beneficial for both parties, but also provides a sense of justice and transparency in transactions. However, the implementation of this contract still faces challenges in terms of operations, regulations, and market understanding that need to be continuously developed in order to maximize its benefits. This article aims to analyze the basic concept of Musyarakah Mutanaqishah, its implementation mechanism in Islamic banking products, as well as the challenges and opportunities faced in its implementation. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-06-24 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/5258 10.47766/al-hiwalah.v4i1.5258 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law; 76-87 2963-0304 10.47766/al-hiwalah.v4i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/5258/1730 Copyright (c) 2025 Salimatur Rahmah, Anna Zakiyah Hastriana https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/6060 2026-04-17T03:12:18Z AlHiwalah:ART

The Transformation of Risk Management in Islamic Financial Institutions: A Sharia Economic Law Perspective Desky, Harjoni Zulhamdi, Zulhamdi Savitri, Asmah Risk Management Islamic Financial Institutions Sharia Economic Law Legal Compliance Maqashid al-Shariah Risk management in Islamic financial institutions presents a unique challenge due to the dual necessity of aligning with conventional management practices and the legal-ethical framework of Sharia. The central problem of this research is the lack of integration between evolving risk management practices and the foundational principles of Sharia Economic Law, which often leads to either operational inefficiency or potential non-compliance with Islamic legal norms. This disconnect becomes more critical due to increasing financial complexity, technological innovation, and regulatory demands. Therefore, this study addresses the following research question: How is risk management transforming within Islamic financial institutions, and to what extent does this transformation comply with the principles of Sharia Economic Law? The study also explores whether such transformation strengthens the Islamic finance sector's legal certainty, stakeholder trust, and institutional resilience. This research adopts a qualitative-descriptive method with a normative legal approach. Data were collected through document analysis of legal provisions, fatwas, and risk management frameworks used in selected Islamic financial institutions. In-depth interviews with Sharia board members and risk officers from Islamic banks were also conducted to capture practical insights and legal reasoning. The findings show that the transformation of risk management in Islamic financial institutions is occurring on three fronts: technological adoption (e.g., AI and big data for risk analysis), regulatory compliance alignment (integration of OJK and DSN-MUI standards), and internal policy development grounded in maqashid al-shariah. However, the study finds inconsistencies between implementation and Sharia legal standards, particularly in credit and liquidity risks, where conventional models are still dominant. The research concludes that a robust Sharia Economic Law framework and ethical managerial reform is essential to ensuring that risk management practices in Islamic financial institutions mitigate risk and uphold Islamic legal and moral obligations Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-06-14 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6060 10.47766/al-hiwalah.v4i1.6060 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law; 21-38 2963-0304 10.47766/al-hiwalah.v4i1 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6060/1717 Copyright (c) 2025 Harjoni Desky, Zulhamdi, Savitri, Asmah https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/6165 2026-04-17T03:11:57Z AlHiwalah:ART

Legal Compliance in the Implementation of Sharia Savings Loans and Financing Business Activities in Cooperatives Tarmidzi, Tarmidzi Ni'am, Muhammad Syukron Inayati, Anindya Aryu Sharia Financing Cooperatives Sharia Supervisory Board Legal Compliance This study analyzes the legal compliance of cooperatives in implementing sharia financing and the role of the Sharia Supervisory Board (DPS) in maintaining compliance with sharia principles, as well as the obstacles faced. This research is an empirical juridical research that reviews the implementation of the Regulation of the Minister of Cooperatives and Small and Medium Enterprises Number 16/Per/M.KUKM/IX/2015 and DSN-MUI Fatwa No. PER-01/DSN-MUI/X/2017. The approach used is a legislative approach. The data in this study was analyzed using a qualitative descriptive method. The results of the study show that the main obstacle faced is the problem of liquidity, especially when there is a massive withdrawal of funds ahead of the holiday, as well as the low understanding of members on the principle of muamalah. Cooperative compliance with related regulations is supervised by DPS and reported to DSN-MUI. However, supervision and education still need to be improved. It is necessary to strengthen liquidity reserves, improve fund disbursement procedures, and continuous training for DPS and cooperative members to improve Islamic financial literacy and the effectiveness of cooperative operational supervision. This research contributes to strengthening the understanding of cooperative law compliance and the strategic role of the Sharia Supervisory Board (DPS) in maintaining sharia compliance and cooperative operational stability, as well as providing practical recommendations for strengthening supervision and education of cooperative members. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-12-06 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6165 10.47766/al-hiwalah.v4i2.6165 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 2 (2025): Al-Hiwalah : Journal Syariah Economic Law; 1-20 2963-0304 10.47766/al-hiwalah.v4i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6165/1958 Copyright (c) 2025 Tarmidzi Tarmidzi, Muhammad Syukron Ni'am, Anindya Aryu Inayati https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/6449 2026-04-17T03:11:57Z AlHiwalah:ART

Sharia Pawnshop Strategy in Improving Financial Literacy in the Mandailing Natal Community Mardatilla, Rista Hamid, Azwar Muhammad, Samsuddin Financial Literacy Strategy Society This study discusses how the actual strategy carried out by Islamic pawnshops in increasing financial literacy of the community both directly and indirectly, Islamic pawnshops are also one of the (IKNBS) which have an important role in socializing the importance of Islamic economics in the midst of Muslim society. So the purpose of this study is to find out how important financial literacy is in the community and the strategies carried out by Islamic pawnshops in increasing financial literacy of the Mandailing Natal community. This research method uses qualitative research, the data sources used are primary data and secondary data, the data collection techniques are by conducting observations, interviews and documentation, the data analysis techniques carried out are by conducting data reduction, data presentation and conclusions. The results of this study indicate that Islamic financial literacy at UPS Pegadaian Syariah Mandailing Natal has a good understanding of the principles of Islamic finance which is very important for the community, especially Muslims. Then Pegadaian UPS Pegadaian Syariah Mandailing Natal has successfully implemented various strategies to improve sharia financial literacy in the community since its establishment in 2015. With government support and compliance with the regulations of the Financial Services Authority (OJK), the literacy programs they run target various community groups such as entrepreneurs, private employees, civil servants, and the general public. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-12-15 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6449 10.47766/al-hiwalah.v4i2.6449 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 2 (2025): Al-Hiwalah : Journal Syariah Economic Law; 49-62 2963-0304 10.47766/al-hiwalah.v4i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6449/2030 Copyright (c) 2025 Rista Mardatilla, Azwar Hamid, Samsuddin Muhammad https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/6502 2026-04-17T03:11:57Z AlHiwalah:ART

The Urgency of Contemporary Fiqh Muamalah in Addressing Modern Socio-Economic Problems Yusriadi, Yusriadi Nazaruddin, Nazaruddin Safarna, Alfitra Contemporary Fiqh Ijtihad Legal Problems The development of science demands the actualization of humanity in various aspects of life. The most obvious impact of this modernization is the emergence and growth of various new problems, especially within the scope of Islamic law. Often, the various problems we face require us to seek solutions from a Muslim perspective. In response to these disappointments, contemporary fiqh has emerged as a discipline worthy of in-depth study. This paper contains an explanation of the implicit form of contemporary fiqh, both in terms of its meaning, object, and field of study, the differences between contemporary fiqh and fiqh fiqh, and the importance of studying contemporary fiqh for every Muslim. The research technique used is documentary research with a descriptive and clear background, with the aim of explaining the study precisely and in-depth. The conclusion of this study is that contemporary fiqh (Islamic jurisprudence) is a problem in Islamic law that exists in the current or contemporary era and was not encountered in the era of the Prophet Muhammad or his companions. Therefore, its legal status must be determined through the ijtihad process of mujtahids, referring to fundamental sources of Islamic law, such as the Quran, hadith, and others.  Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-12-21 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6502 10.47766/al-hiwalah.v4i2.6502 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 2 (2025): Al-Hiwalah : Journal Syariah Economic Law; 74-88 2963-0304 10.47766/al-hiwalah.v4i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6502/2068 Copyright (c) 2025 Yusriadi Yusriadi, Nazaruddin, Alfitra Safarna https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/6534 2026-04-17T03:11:57Z AlHiwalah:ART

The Role of the State Budget in Realizing Public Welfare through Optimizing State Spending Fatin, Jihan Zahara, Usfa Zulhamdi, Zulhamdi State Expenditure National Development Fiscal Policy Public Welfare The State Budget (APBN) is the primary instrument used by the Indonesian government to manage state finances and achieve national development goals. APBN management reflects the state's commitment to realizing public welfare through targeted resource allocation. This article aims to examine various types of state expenditure within the APBN structure, including personnel expenditure, goods expenditure, capital expenditure, debt interest payments, subsidies, grants, social assistance, other expenditures, and transfers to regions. Using a descriptive-analytical approach, this article discusses the role and function of each type of expenditure in supporting national development and public services. Understanding the structure of state expenditure is expected to contribute to the evaluation of fiscal policy and the strengthening of state financial governance. The conclusion of this study confirms that optimizing state expenditure allocation is key to achieving inclusive and sustainable development. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-12-17 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6534 10.47766/al-hiwalah.v4i2.6534 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 2 (2025): Al-Hiwalah : Journal Syariah Economic Law; 63-73 2963-0304 10.47766/al-hiwalah.v4i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6534/2047 Copyright (c) 2025 Jihan Fatin, Usfa Zahara https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.journal.uinsuna.ac.id:article/6736 2026-04-17T03:11:57Z AlHiwalah:ART

Distribution of Expiation for Non-Muslims: Analysis of the Ta'lili Method of Reasoning Regarding the Case of Kaffarat Ikbal, Muhammad Abdullah, Abdullah Zulhamdi, Zulhamdi Kafarat Sumpah Non-Muslim Metode Ta’lili Mujtahids do not create, but only discover laws. This is because of the Islamic belief that laws are created by God as the lawmaker (al-Shari'). Humans/mujtahids only understand (fiqh) the divine law. The process of understanding the law is called istinbaht al-hukm through an intellectual activity called ijtihad. The legal results obtained through istinbath ijtihad are called fiqh. The purpose of discovering the law must be understood by mujtahids in order to develop legal thought in Islam in general and address contemporary legal issues whose cases are not explicitly regulated by the Quran and Hadith. Therefore, by applying various methods, it is hoped that laws can be found to solve various problems that arise. This journal will attempt to describe the ta'lili method of discovering law. Based on a study of the concepts of ta'lili reasoning regarding the distribution of kaffarat oaths to non-Muslims, conclusions can be drawn, namely: First, the obligation to pay kaffarat oaths as contained in the Al-Qur'an surah al-Maidah verse 89, is mukhayyar, namely freeing slaves, providing food or clothing, if you are unable to carry out these three things, you are obliged to fast for three days. Second, Abu Hanifah r.a. does not require a believing slave to be the target of an oath of infidelity. Abu Hanifah r.a. does not turn the word muthlaq away from muqayyad, he gives charity to the common word (muthlaq). Third, it is permissible to free ahl al-dzimmah (non-Muslim) slaves as sworn inmates and also provide food or clothing to ahl al-dzimmah (non-Muslims). Because of the statement on the issue of distributing kafarat oaths, there is no specific text that recommends giving them to believers. Fourth, giving kafarat oaths to ahl al-dzimmah (non-Muslims) in terms of maqâshid syariyyah is almost the same as giving zakat to converts, namely to persuade their hearts to Islam. Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe 2025-12-16 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6736 10.47766/al-hiwalah.v4i2.6736 Al-Hiwalah: Journal of Sharia Economic Law; Vol. 4 No. 2 (2025): Al-Hiwalah : Journal Syariah Economic Law; 21-48 2963-0304 10.47766/al-hiwalah.v4i2 eng https://journal.uinsuna.ac.id/index.php/AlHiwalah/article/view/6736/1961 Copyright (c) 2025 Muhammad Ikbal; Abdullah; Zulhamdi https://creativecommons.org/licenses/by-sa/4.0