AT-TAMLIK: Jurnal Ekonomi Islam

Model Pemberdayaan Ekonomi Anggota Baitul Maal Wat Tamwil (BMT) Melalui Pendampingan Usaha Berbasis Maqasyid Syariah

Basriyanto — 2026-02-28

Abstract

This study aims to formulate a model for the economic empowerment of Baitul Maal wat Tamwil (BMT) members through Maqashid Syariah-based business mentoring. The background of this study is the empowerment practices in BMTs that have so far emphasized the distribution of financing and asset protection (hifz al-mal), without integrating all dimensions of Maqashid Syariah comprehensively. This study uses a qualitative approach with a case study design, through interviews, observations, and documentation analyzed interactively with data triangulation. The results show that the business mentoring carried out is still administrative and not well structured. Therefore, an empowerment model is needed that integrates the dimensions of hifz al-din, hifz al-nafs, hifz al-‘aql, hifz al-mal, and hifz al-nasl in each stage of mentoring, so that the economic empowerment of members can be carried out holistically, sustainably, and oriented towards the welfare of the community.

Keywords: Economic Empowerment, Business Assistance, Maqashid Syariah,

Praktik akad Hibah dan Hutang Piutang dalam Tradisi Kondangan Desa (Koleman) menurut Madzhab

Faizatul Aliyah — 2026-02-28

Abstract

Koleman is a tradition of inviting or attending wedding invitations in several village areas in Java. In the koleman tradition, there are two activities that resemble the grant and debt agreements. The location of the research was in Maskuning Village, Pujer District, Bondowoso Regency. The purpose of this study was to identify the harmony and contradiction of the two agreements in the koleman tradition. The research method used was a qualitative approach with a case study type. The results of the study showed that 1). There is harmony related to the grant agreement according to the Syafi'i school of thought with the tradition of giving gifts in the koleman tradition 2). The debt agreement theorized by Imam Syaf'i'i does not have harmony in the koleman tradition. Where the giver of the gift does not intend to give a debt to the bride and groom.

Keywords: Grant Agreement, Debt Agreement, and Koleman.

Analisa Pembagian Komisi Tiktok Affiliate Tiktok Perspektif Ekonomi Syariah

Armawi — 2026-02-28

Abstract

The development of the digital economy has given rise to various new business models, one of which is the TikTok Affiliate program. This program allows individuals to earn commissions from product promotions through social media platforms. Although it offers significant economic opportunities, the TikTok Affiliate commission sharing mechanism requires further examination from a sharia economic perspective to ensure its compliance with Islamic principles. This article aims to analyze the TikTok Affiliate commission sharing mechanism in terms of the concept of contract, fairness, the permissibility of the transaction object, and the principles of prohibition of riba, gharar, and maisir. The method used is a literature review with a qualitative-descriptive approach. The results of the analysis indicate that, in principle, TikTok Affiliate commission sharing is permissible in Islam as long as it meets the requirements of a clear contract, transparency, fairness, and the product being promoted is halal.

Keywords: TikTok Affiliate, Commission, Sharia Economy, Contract, Digital Marketing

Sertifikasi Halal Sebagai Strategi Penguatan Kepercayaan Konsumen Pada UMKM dalam Skema B2C Bussiness_to_ Consumer (B2C)

Muzaqqi Madhani — 2026-02-28

Abstract

This study aims to determine the role of halal certification as a strategy in strengthening consumer trust in MSMEs in the Business-to-Consumer (B2C) sector. The study was conducted at the Warung Bu Yul Bondowoso MSME using a qualitative approach and case study method. Data were obtained through interviews, observations, and documentation, then analyzed descriptively. The results show that halal certification is utilized not only as a regulatory obligation but also as a strategy to increase consumer trust and loyalty. The application of Islamic economic values such as trustworthiness, transparency, and responsibility in the production and marketing processes also strengthens consumer trust. Thus, halal certification is an important factor in increasing the credibility and competitiveness of MSMEs in the B2C sector.

Keywords: halal certification, consumer trust, MSMEs, B2C

Prinsip Etika Bisnis dalam Operasional Usaha Digital

Zaini Miftah — 2026-02-28

Penelitian ini bertujuan untuk mengkaji bagaimana prinsip-prinsip etika bisnis Islam diterapkan dalam operasional usaha digital keripik singkong milik Pak Haji. Dengan menggunakan pendekatan kualitatif dan metode studi kasus, data diperoleh melalui wawancara, observasi, dan dokumentasi. Temuan penelitian menunjukkan bahwa prinsip kejujuran (ṣidq) diimplementasikan melalui keterbukaan informasi terkait produk dan harga. Prinsip keadilan (‘adl) tampak dalam kebijakan harga yang pantas serta perlakuan yang sama terhadap konsumen. Sementara itu, prinsip amanah dijalankan dengan memenuhi pesanan sesuai dengan perjanjian awal. Namun, akad yang digunakan masih bersifat sederhana dan belum sepenuhnya transparan, serta terdapat kendala dalam menjaga konsistensi mutu produk dan penanganan komplain pelanggan. Penelitian ini menyimpulkan bahwa etika bisnis Islam telah dijalankan dalam usaha digital berskala mikro, tetapi masih perlu ditingkatkan agar lebih maksimal penerapannya.