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All Journal Jurnal Pendidikan Guru Madrasah Ibtidaiyah Al-Amin Suluah Pasaman Al-bank: Journal of Islamic Banking and Finance
Kumaidi Kumaidi
Universitas Islam Sarolangun, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Physics Social Sciences Other

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Strategi Pembelajaran SD/MI Ade Rahayu; Dewi Anjarsari; Kumaidi Kumaidi
Jurnal Pendidikan Guru Madrasah Ibtidaiyah Al-Amin Vol. 5 No. 1 (2026): April
Publisher : STAI AL-AMIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54723/ejpgmi.v5i1.659

Abstract

Effective learning at the elementary school level requires the selection of instructional strategies that are aligned with students’ developmental characteristics, learning objectives, and educational contexts. This article aims to comprehensively review various instructional strategies relevant to elementary education, including Problem Based Learning, Project Based Learning, Contextual Teaching and Learning, cooperative learning models (Jigsaw, Student Teams Achievement Divisions, Teams Games Tournament, Two Stay Two Stray, and Numbered Heads Together), Inquiry Learning, Discovery Learning, Role Playing, the SAVI approach, and Reward and Punishment. This study employed a literature
The Transformation of Fiqh and the Implementation of Musyarakah Mutanaqisah as an Instrument of Just Islamic Financing in Indonesia Fitri Yenti; Syukri Iska; Hospi Burda; Kumaidi Kumaidi; Jasri Waldi
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.17183

Abstract

This study examines the fiqh transformation of Musyarakah Mutanaqisah as a Sharia-based financing model in Indonesia by assessing the alignment between fiqh theory, the DSN–MUI fatwa, and banking practices. Although Musyarakah Mutanaqisah is conceptually grounded in partnership, gradual ownership, and risk sharing, its implementation across Islamic banks demonstrates a persistent tendency to resemble conventional credit structures, particularly through fixed rental margins, limited transparency, and weak risk-sharing mechanisms. This research employs a library-based qualitative approach using a normative–maqasidi framework combined with critical–empirical analysis. The findings indicate that the reconstruction of Musyarakah Mutanaqisah must be oriented towards the substantive realisation of Maqasid al-Shariah, particularly justice, public interest, and the protection of wealth. Reformulation is required in contractual structures, accounting systems, Sharia supervision, and the integration of sustainability values. Accordingly, Musyarakah Mutanaqisah holds the potential to evolve into a more equitable, transparent, and welfare-oriented Sharia financing instrument.
Reconstruction of the Concept of Classical Muamalah Fiqh Contracts as a Foundation for Innovation in the Modern Islamic Financial Industry Kumaidi Kumaidi; Syukri Iska; Fauzani Fauzani; Fitri Yenti; Jasri Waldi
Suluah Pasaman Vol 4 No 2 (2026): On Progress
Publisher : Sekolah Tinggi Agama Islam YDI Lubuk Sikaping

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70588/suluahpasaman.v4i2.1214

Abstract

The rapid development of the Islamic financial industry in the digital era demands a conceptual reconstruction of classical Islamic financial contracts to ensure their relevance as a foundation for innovation in modern Islamic financial products. This study aims to analyze the relevance of classical contracts in contemporary Islamic financial products, identify shifts in contract implementation due to digitalization and fintech sharia, evaluate the suitability of the implementation of contracts with the principles of al-sharī'ah, and formulate a conceptual model for adaptive contract innovation that is still based on muamalah jurisprudence. The method used is qualitative with a qualitative approach. Library research, using content analysis techniques, comparative analysis, and normative interpretation based oninyesūl al-fiqh. The results of the study show that classical contracts such asjamḥah, inḍārabah, musyārakah, pilgrimage, wait, regards, and hotyesthehas sufficient normative elasticity to accommodate digital financial innovation, but their implementation still experiences many distortions that are contrary to the substancepoetyesid al-sharī'ahThis research formulates a conceptual model of contract innovation based on four pillars: adaptive normative reinterpretation, integration of Sharia-based technology, reconstruction of equitable risk distribution, and strengthening of Sharia governance. This model offers a framework that can synergistically and sustainably bridge the authority of classical Islamic jurisprudence texts with the pragmatic demands of the modern Islamic financial industry
Co-Authors Ade Rahayu Dewi Anjarsari Fauzani Fauzani Fitri Yenti Fitri Yenti Hospi Burda Jasri Waldi Jasri Waldi Syukri Iska Syukri Iska, Syukri