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All Journal Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM)
Royyan Ramdhani Djayusman
Universitas Darussalam Gontor, Indonesia
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Analisis Risiko Akad Syariah pada Pembiayaan KPR; Studi Perbandingan Akad Istishna, Musyarakah Mutanaqishah, dan Ijarah Muntahiyah Bittamlik Royyan Ramdhani Djayusman; Fina Nurafni
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 10 No 2 (2025): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i2.11200

Abstract

This study aims to analyze and compare the inherent risks in the three main contracts used in Sharia mortgage financing (KPR), namely Istishna, Musyarakah Mutanaqishah, and Ijarah Muntahiyah Bittamlik. This article is categorized as a literature-based study with a qualitative approach. The methodology employed is a normative legal study presented comparatively. The results indicate that each contract has distinct risk characteristics: the Istishna contract faces a high risk of delivery failure, the Musyarakah Mutanaqishah contract is exposed to risks of installment payment delays and top-up requests, while the Ijarah Muntahiyah Bittamlik contract carries lower risks with a simpler structure and flexibility in ownership transfer. These findings provide recommendations for Islamic financial institutions to tailor contract choices according to customer profiles and operational risks in order to enhance the effectiveness and sustainability of Sharia mortgage financing.
REVITALISASI USAHA MIKRO DI DESA GANDU MELALUI PENERAPKAN STRATEGI BISNIS YANG EFEKTIF UNTUK PERTUMBUHAN BERKELANJUTAN Amilia Yuni Damayanti; Arief Rahmawan; Khurun'in Zahro'; Akhmad Affandi Mahfudz; Royyan Ramdhani Djayusman
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 6 No 2 (2025): Jurnal Pengabdian Pendidikan Masyarakat (JPPM), Vol 6 No 2 (Oktober 2025)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v6i2.2840

Abstract

Microenterprises (MSEs) in Gandu Village have great economic potential, but still face challenges in improving competitiveness and sustainable growth. The main problems faced by UM actors include limitations in preparing business strategies, inefficient production management, and low utilization of digital technology in marketing. One of the businesses facing these challenges is Bu Nor's Krecek Krupuk UM. The purpose of this service activity is to increase partners' capacity in formulating effective business strategies, increasing production efficiency, utilizing digital technology for marketing, and improving financial management to encourage sustainable business growth. The method used is a participatory approach through three stages: preparation, implementation, and evaluation, which actively involves partners in the entire process. The results of this activity show an increase in the understanding and skills of business actors in developing business strategies, applying digital marketing techniques, and improving production management. Post-training evaluation shows that the strategies that have been developed are able to help businesses increase production capacity and competitiveness in the market. With this training and mentoring, UM Krecek Krupuk Bu Nor is expected to develop sustainably, improve the quality and quantity of its products, expand its marketing reach, and increase its income.
Co-Authors Akhmad Affandi Mahfudz Amilia Yuni Damayanti Arief Rahmawan Fina Nurafni Khurun'in Zahro'