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All Journal JIB : Journal Islamic Banking
Siswoyo
Institut Agama Islam Nahdlatul Ulama Tuban
Economics, Econometrics & Finance

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IMPLEMENTASI AKAD QARDH PADA PENYEDIAAN BENIH JAGUNG BAGI PETANI DALAM PERSPEKTIF ETIKA EKONOMI ISLAM Siswoyo; Moch Syifa'ul Fu'ad
Jurnal Perbankan Syariah Vol 6 No 1 (2026): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/swgcnv59

Abstract

Limited capital at the start of the planting season is a major obstacle maize farmers face when acquiring seeds. One financing option aligned with Sharia principles is the qardh agreement a loan arrangement that entails no additional charges. This study aims to analyze the implementation of the qardh agreement for maize seed provision at Toko Suroso Berkah in Sembung Village and to examine its alignment with Islamic economic ethics. A qualitative approach utilizing phenomenology was employed. Data were gathered through observation, in-depth interviews, and document collection, then analyzed using an interactive analysis techniqueinvolving data reduction, information presentation, and conclusion drawing alongside source triangulation to verify accuracy. The findings indicate that the qardh agreement is implemented by providing seeds to farmers without upfront payment; repayment occurs post-harvest and is free from interest, penalties, or additional fees. This mechanism helps overcome capital constraints, sustains farming operations, boosts productivity, and strengthens the partnership and trust between the shop owner and the farmers. From the perspective of Islamic economic ethics, the practice reflects values ??such as ta'awun (mutual assistance), amanah (trustworthiness), justice, and maslahah (public interest); thus, it not only complies with fiqh muamalah (Islamic commercial jurisprudence) but also contributes to community economic empowerment and improved farmer welfare. Consequently, the implementation of the qardh agreement holds potential as a Sharia-based productive financing model for the agricultural sector
Investasi Emas sebagai Instrumen Lindung Nilai Syariah di Tengah Ketidakstabilan Ekonomi: Studi Kasus pada Pengguna Aplikasi TRING Diana Purnamasari; Siswoyo
Jurnal Perbankan Syariah Vol 5 No 2 (2025): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i2.1325

Abstract

This study aims to understand the experiences of TRING app users in investing in gold as a sharia-compliant hedging instrument amid economic instability. The study uses a qualitative approach that allows researchers to explore the meanings, motivations, and perceptions behind digital gold investment decisions. Data was collected through in-depth interviews with users of various age groups and analyzed by identifying indicators that emerged during the interview process.The results show that gold is viewed as a stable, safe asset that complies with sharia principles, making it the primary choice for preserving wealth. The TRING application is perceived as providing easy access, fast transactions, and features that make it easy for novice investors to invest in gold without having to purchase physical gold. Trust and security proved to be the dominant factors influencing user loyalty, including guarantees of gold authenticity, price transparency, data protection, and compliance with sharia principles. In addition, digital gold investment provides psychological peace of mind for users, especially when facing unstable economic conditions.
Co-Authors Diana Purnamasari Moch Syifa'ul Fu'ad