Prinsip, implementasi, dan tantangan dalam sistem ekonomi syariah modern
Abstract
Sharia economic law is a branch of Islamic law that regulates economic activities based on Sharia principles. This study aims to understand the fundamental concepts of Sharia economic law, its implementation in the financial and business sectors, and the challenges faced in its application. The findings indicate that Sharia economic law prohibits practices such as riba, gharar, and maysir while emphasizing risk-sharing principles through contracts like mudharabah and musyarakah. The implementation of Sharia economics has expanded in banking, capital markets, and trade sectors. However, challenges persist, including limited public understanding, suboptimal regulations, and competition with conventional economic systems. Therefore, broader education and stronger policy support are necessary to ensure the sustainable growth of Sharia economics in the future.
Downloads
References
Akibun, F., Prayitno, H., Z, R., & Otto, N. (2025). Financial Literacy In Gen Z Generation (Case Study at Bina Taruna University Gorontalo). Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, 6(2), 8. https://doi.org/10.53697/emak.v6i2.2286
Azizuddin, I. (2020). Implementasi Akad Ijarah-Asset To Be Leased pada Transaksi Sukuk Ritel di Bank Syariah Mandiri cabang Jombang. Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah, 5(2), 190. https://doi.org/10.29300/ba.v5i2.3653
Destiani, R. D., & Mufiidah, A. N. (2024). Era Baru Ekonomi Digital: Studi Komprehensif tentang Teknologi dan Pasar. ADI Bisnis Digital Interdisiplin Jurnal, 5(1), 47–50. https://doi.org/10.34306/abdi.v5i1.1095
Dewi, M. T., & Wardana, G. K. (n.d.). Profitability of Sharia Banking in Southeast Asia: ICSR, IPI and Zakat.
Fakhruddin, F., Hasan, S., Firdaus, D. H., & Hidayat, H. (2024). From Fiqh al-Ibadat to Muamalat: Repositioning Zakat Management in Indonesia in the Perspective of Maqāṣid Al-Sharī’ah. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 8(1), 495. https://doi.org/10.22373/sjhk.v8i1.19637
Ghafar Ismail, A. (2010). Money,Islamic Banks and the Real Economy (second edition). Cengage Learning.
Kristyanto, V. S., & Kaluge, D. (2018). Peningkatan Inklusivitas Ekonomi Melalui Pembiayaan Investasi Modal Manusia. Jurnal Ekonomi Kuantitatif Terapan, 170. https://doi.org/10.24843/JEKT.2018.v11.i02.p04
Naja, A. H., Indiastuti, R., Masyita, D., & Cupian, C. (2023). IS ISLAMIC BANKING PERFORMANCE IN MALAYSIA TRULY BETTER THAN INDONESIA? Journal of Islamic Monetary Economics and Finance, 9(4), 611–636. https://doi.org/10.21098/jimf.v9i4.1784
Obaidullah, M., & Khan, T. (2008). Islamic Microfinance Development: Challenges and Initiatives. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1506073
Copyright (c) 2025 Yusratun - Nafila

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.



