Jurnal Syariah

ASSESSING THE FEASIBILITY OF ISLAMIC BANKING ROBO-ADVISORS ADOPTION WITHIN THE ASEAN ECONOMIC COMMUNITY: EVIDENCE FROM INDONESIA

Tate Agape Bawana, Fadillah Mansor, Kamaruzaman Noordin, Abdullah — Wed, 31 Dec 2025 00:00:00 +0800

The ASEAN Economic Community (AEC) aims to enhance regional financial integration and competitiveness, creating opportunities for digital innovation in Islamic banking. Within ASEAN, Indonesia serves as one of the principal hubs of Islamic finance, offering regulatory leadership, market depth, and support for Shariah-compliant financial development. In this context, robo-advisors (RA) have significant potential to expand Islamic investment services through scalable, data-driven, and cost-efficient advisory models. Despite fintech growth, empirical research on RA adoption in Islamic banking within ASEAN remains limited, especially in leading jurisdictions. This study addresses this gap by assessing the feasibility of RA adoption within the AEC, particularly in Indonesia. Using a qualitative design, it conducts systematic library research of academic literature, policy documents, and industry reports on Islamic banking, fintech, and ASEAN financial integration. Data are analysed via thematic analysis supported by NVivo 15 to identify key feasibility dimensions. The findings highlight four interrelated dimensions: regulatory preparedness, Shariah governance and compliance, technological readiness, and customer acceptance. While Indonesia shows growing institutional commitment and market potential, challenges persist in regulatory harmonisation, Shariah-compliant algorithm transparency, and uneven technological capacity. Malaysia’s established regulatory clarity and Shariah governance provide benchmarks for regional best practices. This study proposes a conceptual feasibility framework to guide RA implementation in Indonesian Islamic banking and offers policy and strategic insights for strengthening ASEAN’s Islamic fintech ecosystem, particularly in its leading Islamic finance hubs.

PRINSIP ḤIFẒ AL-NASL DAN ḤIFẒ AL-`IRḌ DALAM PEMBENTUKAN KELUARGA SEJAHTERA

Muhammad Safwan Harun, Afifhadi Marjohan, Zainuddin Syarif — Wed, 31 Dec 2025 00:00:00 +0800

Keluarga merupakan institusi asas dalam pembentukan masyarakat yang sejahtera. Namun, institusi keluarga Islam kini menghadapi pelbagai cabaran seperti peningkatan kadar perceraian, perkahwinan tidak sah serta krisis moral yang melanda generasi muda. Statistik menunjukkan lebih 62,890 kes perceraian dilaporkan pada 2022, manakala lebih 67,620 kelahiran anak tidak sah taraf direkodkan sepanjang lima tahun terakhir. Dalam situasi ini, pembentukan keluarga sejahtera ialah manifestasi daripada pencapaian maqāṣid al-sharī`ah, khususnya prinsip ḥifẓ al-nasl (pemeliharaan keturunan) dan ḥifẓ al-`irḍ (pemeliharaan maruah). Oleh itu, kajian ini bertujuan menganalisis konsep maqāṣid al-sharī`ah dalam konteks pembentukan keluarga sejahtera dengan memberi tumpuan kepada dua prinsip utama, iaitu ḥifẓ al-nasl dan ḥifẓ al-`irḍ. Metodologi kajian adalah secara kualitatif dengan menggunakan kaedah perpustakaan melalui analisis kandungan. Hasil kajian menunjukkan bahawa penerapan prinsip ḥifẓ al-nasl dan ḥifẓ al-`irḍ melalui perundangan serta institusi kekeluargaan mampu mengukuhkan struktur rumah tangga di samping mengurangkan masalah sosial. Sebagai rumusan, maqāṣid al-sharī`ah bukan sekadar teori, tetapi juga penyelesaian praktikal bagi menghadapi cabaran kekeluargaan masa kini. Justeru, pemerkasaan pendidikan keluarga Islam dan pengukuhan dasar berteraskan maqāṣid al-sharī`ah perlu diberi perhatian bagi memastikan kesejahteraan institusi keluarga dalam masyarakat moden.

DEFINING SHARIAH BOUNDARIES: AL-I‘ĀNAH ‘ALĀ AL-MA‘ṢIYAH IN MALAYSIA’S ISLAMIC BANKING OPERATIONS

Wed, 31 Dec 2025 00:00:00 +0800

Islamic banking in Malaysia operates within a dual banking system alongside conventional banks, raising concerns about the potential facilitation of activities that contradict Shariah principles. A key issue arises when Islamic banks share resources with conventional counterparts, potentially leading to al-i‘ānah ‘alā al-ma‘ṣiyah (facilitation of acts of disobedience). This study examines the Shariah status of al-i‘ānah ‘alā al-ma‘ṣiyah by analysing the views of classical Shariah scholars through comparative Fiqh analysis. The views of the scholars are gathered through reviewing the classical manuscripts of respective school of jurisprudence. It found that the classical scholars agreed that directly facilitating sinful acts, e.g. selling weapons to enemies, is prohibited. In the case of indirect facilitation, most scholars prohibited this act when the seller knew that the buyer had a sinful intent, e.g. selling grapes to someone who intends to turn them into wine. In contrast, Imam Abu Hanifa permits a transaction where the object is not inherently sinful and the sinful outcome depends on the buyer’s choice. By contextualising these classical juristic positions within the operational realities of Malaysia’s contemporary Islamic banking industry, this study proposes the development of structured ḍawābiṭ (Shariah parameters) to assist Shariah committee members, regulators, and industry practitioners in distinguishing between permissible operational interdependence and impermissible facilitation. The proposed framework aims to support clearer regulatory guidance, strengthen Shariah governance, and enhance risk management practices in Malaysia’s evolving Islamic banking ecosystem.

MENANGANI ISU PENCEROBOHAN TANAH MENURUT UNDANG-UNDANG MALAYSIA DAN PERUNDANGAN ISLAM

Nurnasuha Izzah Mohd Zahidi, Siti Zubaidah Ismail, Norasiah Haji Awang Amai — Wed, 31 Dec 2025 00:00:00 +0800

This article explores the issue of trespass and delves into the concept, elements, remedies and compensatory principles under the Malaysian Islamic laws. This study adopts doctrinal legal research relying on statutes and cases. For the Islamic law aspects, divine sources from al-Quran, hadith as well as Islamic jurisprudence materials are consulted. Document analysis and thematic analysis are used to analyse the finding based on themes and issues selected. It is found that the National Land Code provides redress for trespass to state land and the tort of trespass deals with trespass to private land. Tort law enables landowner and possessor to seek remedies for unlawful interference. Any intrusion to land constitutes a ghasab and haram according to Islamic law. However, there is a complication to seek remedies when dealing with trespass towards unregistered waqf land and customary land. It is found that there is a dire need to improve the workability of remedies for landowner especially when dealing with waqf land, native and private land. The law should be revisited, and Islamic law can be used as an inspiration to ensure a more comprehensive solution for trespass to land issue in Malaysia.

WAKAF MUAQQAT MENGIKUT PERSPEKTIF UNDANG-UNDANG DI MALAYSIA: SATU ANALISIS

Siti Mashitoh Mahamood — Wed, 31 Dec 2025 00:00:00 +0800

Waqf is an important instrument in advancing the socio-economic development of the ummah, founded upon the principle of retaining property for a purpose or for the benefit of beneficiaries in perpetuity. Nevertheless, contemporary developments have demonstrated the need for a more flexible approach through the implementation of waqf muaqqat (temporary waqf). This article seeks to analyse the application of state laws in Malaysia via the enacted legislations relating to waqf, encompassing specific waqf laws, the Administration of Islamic Law statutes and the subsidiary laws currently in force. The juristic views of the fuqaha regarding waqf muaqqat are also examined as the Shariah authority underpinning the Malaysian legal landscape. The study adopts a qualitative research design, employing library research, doctrinal legal research, and the expert method. Data are analysed using the content analysis technique. The findings reveal five (5) principal variations in the legal application of waqf muaqqat within the existing statutory framework. These encompass both explicit and implicit modes of statutory interpretation, its recognition through non-perpetual categories of property eligible for waqf, and its operationalisation under the classifications of family waqf, charitable waqf, and specific waqf as provided by law. The study further proposes recommendations for legislative reform and statutory amendments aimed at strengthening doctrinal coherence, enhancing regulatory clarity, and ensuring effective and consistent implementation within the Malaysian waqf regulatory framework.