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All Journal Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Filantropis: Jurnal Pengabdian kepada Masyarakat
Aziz Akbar
Universitas Islam Internasional Darullughah Wadda’wah, Pasuruan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Library & Information Science Social Sciences Other

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Penguatan Karakter Religius Pemuda Melalui Internalisasi Nilai Pendidikan Islam Berbasis Kearifan Lokal di Kecamatan Lumbang, Kabupaten Probolinggo Bulhayat Bulhayat; Aziz Akbar
Filantropis: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 1 (2025): June
Publisher : Universitas Islam Internasional Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/filantropis.v1i1.3429

Abstract

Islamic education faces challenges in internalizing religious values, especially among youth who are susceptible to the influence of globalization and foreign cultures. Conventional approaches are less effective in reaching the younger generation who are familiar with the digital age. Therefore, a more relevant and adaptive strategy for building religious character is needed. This service program aims to internalize Islamic values based on local wisdom among youth. The method used is Participatory Action Research (PAR) with stages ranging from problem identification, planning, implementation, monitoring, and reflection. The program successfully increased youth participation in religious activities, fostered awareness of local traditions aligned with Islamic values, and strengthened synergy between youth, religious leaders, and village governments. In addition, the program also increased Islamic digital literacy among youth through creative content and discussion forums. The results show that the integration of local wisdom and Islamic values in a contextual manner is effective in shaping the religious character of youth. The contribution of this service is to provide an innovative and sustainable youth empowerment model.
Dilema Transparansi Harga: Analisis Implementasi Akad Murabahah dan Mitigasi Risiko Gharar pada UMKM Busana Muslim Nor Jannah; Aziz Akbar
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): December
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v4i2.3534

Abstract

Installment sale transactions frequently raise potential issues regarding non-compliance with Sharia principles, making the murabahah contract a vital Islamic solution emphasizing the honesty and transparency of the cost price. However, implementing this contract in the Micro, Small, and Medium Enterprises (MSME) sector often faces practical challenges, particularly in fulfilling the essential requirement of cost disclosure. This study aims to analyze the Sharia compliance of the murabahah implementation at Toko Raina Collection and to describe the mitigation efforts for the resulting issues. The methodology employs a qualitative descriptive approach with a case study design, utilizing observation and in-depth interviews with the store owner and customers for data collection. The findings indicate that the installment sales practice fulfills the general pillars of Islamic trade, such as ‘aqidain (parties) and sighat (offer and acceptance), but fails to meet the essential murabahah condition of disclosing the original cost price. The owner does not itemize the cost but sets a final total sale price, causing the contract to substantively shift to an ordinary deferred payment sale (bai' bitsaman ajil). This non-compliance is implicitly mitigated through setting a reasonable profit margin to maintain customer satisfaction (ridha). The study concludes that the practice is not kaffah (perfect) as murabahah. The research contributes empirical insight into the implementation gap of murabahah at the MSME level and offers recommendations for achieving full Sharia compliance.
Co-Authors Bulhayat Bulhayat Nor Jannah