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All Journal Currency Molang: Journal Islamic Education
Sri Artati Salju
Universitas Islam Negeri Alauddin Makassar
Economics, Econometrics & Finance Education Mathematics

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ANALISIS LINGKUNGAN ESKSTERNAL (OPPORTUNITY & THREAT) PERSPEKTIF SYARIAH Sri Artati Salju; Murtiadi Awaluddin
Currency (Jurnal Ekonomi dan Perbankan Syariah) Vol. 5 No. 1 (2026): Currency
Publisher : LP2M AL-KHAIRAT PAMEKASAN

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Abstract

Perubahan lingkungan bisnis yang semakin dinamis menuntut organisasi untuk mampu melakukan analisis strategis terhadap berbagai faktor eksternal yang dapat memengaruhi keberlanjutan dan daya saing. Penelitian ini bertujuan untuk menganalisis lingkungan eksternal yang meliputi aspek peluang (Opportunity) dan ancaman (Threat) dalam perspektif syariah. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi pustaka (library research) melalui analisis terhadap berbagai literatur ilmiah yang berkaitan dengan manajemen strategis Islam, ekonomi syariah, serta konsep maqāṣid al-sharī‘ah. Hasil penelitian menunjukkan bahwa peluang dalam lingkungan eksternal syariah mencakup meningkatnya kesadaran masyarakat terhadap produk halal, perkembangan digitalisasi ekonomi Islam, pertumbuhan industri halal, serta dukungan kebijakan terhadap penguatan ekosistem ekonomi syariah. Sementara itu, ancaman yang dihadapi meliputi persaingan bisnis yang semakin ketat, rendahnya literasi ekonomi syariah, perubahan teknologi yang cepat, serta potensi praktik ekonomi yang tidak sesuai dengan prinsip Islam seperti riba, gharar, dan maysir. Analisis lingkungan eksternal berbasis perspektif syariah memberikan pendekatan strategis yang tidak hanya berorientasi pada pencapaian keuntungan, tetapi juga mempertimbangkan nilai keadilan, keberkahan, dan kemaslahatan. Dengan demikian, integrasi analisis peluang dan ancaman dengan prinsip syariah menjadi strategi penting dalam membangun organisasi yang adaptif, kompetitif, dan berkelanjutan sesuai dengan nilai-nilai Islam.
The Concept of Money in the Perspective of Islamic Economics Sri Artati Salju; Muslimin Kara; Rahmawati Muin
Molang: Journal Islamic Education Vol. 4 No. 2 (2026): Molang: Journal Islamic Education
Publisher : LP2M IAI AL-KHAIRAT PAMEKASSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/jm.v4i2.2207

Abstract

Humans have been using money as a tool for transactions for a long time. The money that has been used as the official currency since the time of the Prophet Muhammad and was passed on by the caliphs after him for centuries is the gold dinar and silver dirham. This paper aims to lay out the concept of money according to Islamic economics. For this purpose, the normative legal study method is used in its writing. Among the findings of this study is that in the perspective of Islamic economics, money is everything that is generally accepted and issued by an authorized financial institution as a medium of exchange and a measure and store of value. In addition, the use of gold dinar and silver dirhams is not a religious obligation, but history proves that the two currencies are very stable and not subject to inflation like paper money. According to the Islamic economic perspective, money has three functions, namely as a medium of exchange, as a unit of calculation or measure of value, and as a store of value if money is made of gold and silver. In the financial sector, Islam has many provisions, such as the use of money as a measuring tool for nisab and zakat rates, dowry, kaffarah, nisab cut off hands for thieves, diyat, and jizyah.
Financing System and Mechanism at Sharia Pawnshops Sri Artati Salju; Mukhtar Lutfi; Lince Bulutoding
Molang: Journal Islamic Education Vol. 4 No. 2 (2026): Molang: Journal Islamic Education
Publisher : LP2M IAI AL-KHAIRAT PAMEKASSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/jm.v4i2.2208

Abstract

Sharia Pawnshop is one of the non-bank financial institutions that provides financing services based on sharia principles through the application of rahn and ijarah contracts. This research aims to analyze the financing system and mechanism in Sharia Pawnshops and identify the sharia principles applied in each financing process. The research uses a qualitative approach with the library research method. Data was obtained from various secondary sources, including scientific journals, books, fatwas of the National Sharia Council-Indonesian Ulema Council (DSN-MUI), regulations of the Financial Services Authority, and official documents related to Sharia Pawnshops. Data analysis is carried out using content analysis  techniques through the stages of data reduction, data presentation, and conclusion drawn. The results of the study show that the Sharia Pawnshop financing system is implemented transparently through the stages of financing application, collateral valuation, contract implementation, fund disbursement, storage of collateral, to repayment or auction in accordance with sharia provisions. All of these mechanisms prioritize the principles of justice, benefit, and freedom from the elements of usury, gharar, and maysir. Thus, Sharia Pawnshops are an alternative financing that is safe, accessible, and in accordance with Islamic economic values in supporting the increase of Islamic financial inclusion in Indonesia.
Co-Authors Lince Bulutoding Mukhtar Lutfi Murtiadi Awaluddin Muslimin Kara Rahmawati Muin