Ni’mawati Ni’mawati
STAI Siliwangi Bandung, Indonesia

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Kepatuhan Syariah melalui Penerapan Prinsip Hukum Ekonomi Syariah dalam Operasional Baitul Maal wat Tamwil Hani Hani; Cicin Suryati; Ni’mawati Ni’mawati; Ending Solehudin
ISLAMICA Vol 10 No 1 (2026): ISLAMICA
Publisher : STAI Siliwangi Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59908/islamica.v10i1.180

Abstract

Baitul Maal wat Tamwil (BMT) merupakan lembaga keuangan mikro syariah yang memiliki peran strategis dalam menyediakan layanan keuangan berbasis prinsip syariah. Perkembangan aktivitas BMT menuntut penerapan prinsip Hukum Ekonomi Syariah secara konsisten agar kegiatan operasional tidak hanya memenuhi aspek formal akad, tetapi juga mencerminkan keadilan, kemaslahatan, transparansi, dan kepatuhan terhadap ketentuan syariah. Penelitian ini bertujuan untuk menganalisis penerapan prinsip Hukum Ekonomi Syariah dalam operasional BMT dan mengidentifikasi upaya penguatan kepatuhan syariah dalam pelaksanaan kegiatan kelembagaan. Penelitian ini menggunakan pendekatan normatif empiris dengan metode deskriptif analitis melalui kajian terhadap prinsip Hukum Ekonomi Syariah, fatwa DSN-MUI, peraturan perundang-undangan, dan literatur yang relevan dengan operasional BMT. Hasil penelitian menunjukkan bahwa penguatan kepatuhan syariah perlu dilakukan secara menyeluruh melalui kesesuaian akad dalam transaksi, kejelasan hak dan kewajiban para pihak, penguatan fungsi pengawasan syariah, peningkatan kompetensi sumber daya manusia, dan transparansi serta akuntabilitas kelembagaan. Pembahasan menunjukkan bahwa kepatuhan syariah tidak cukup diukur berdasarkan kesesuaian bentuk akad, tetapi harus mencakup substansi transaksi dan tata kelola operasional. Kebaruan penelitian terletak pada penempatan prinsip Hukum Ekonomi Syariah sebagai kerangka evaluatif yang menghubungkan aspek akad, operasional, dan tata kelola BMT dalam satu kesatuan. Penelitian ini berkontribusi pada penguatan konseptual kepatuhan syariah sebagai instrumen tata kelola BMT yang berorientasi pada keadilan dan kemaslahatan.
Leadership Transformation of Mosque Youth in the Era of Disruption: Experiential Learning in the Pesantren Ramadan Committee Ni’mawati Ni’mawati
MAQOLAT: Journal of Islamic Studies Vol. 4 No. 3 (2026): Transformative Islamic Thought Based on the Qur'an
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/maqolat.v4i3.243

Abstract

Pesantren Ramadan at Al Hasan Raya Mosque represents a potential non-formal Islamic education space for constructing an experiential leadership learning model for adolescents amidst the challenges of the disruptive era. This research seeks to analyze how the involvement of mosque youth as the Pesantren Ramadan committee contributes to the transformation of spiritual, social, and organizational leadership. Epistemologically, this study is grounded in the constructivism paradigm, employing a qualitative approach with a descriptive-analytical method, which positions the subjective experiences and meanings of adolescents as the primary source of knowledge. Data were collected through participatory observation, in-depth interviews, and activity documentation. The research findings indicate that Pesantren Ramadan serves not only as an arena for strengthening religious values but also as a vehicle for transformative leadership learning through direct practice in planning, coordination, and activity implementation. Activities such as tadarrus Al-Qur’an (Qur'anic recitation), thematic lectures, discussions, and committee collaboration facilitate processes of self-reflection, effective communication, and collective decision-making. This finding enriches the discourse on Islamic leadership theory by asserting that the character formation of young leaders occurs not only through formal instruction but also through social experiential processes that cultivate responsibility, empathy, and active spirituality. The implication of this research indicates the importance of repositioning Pesantren Ramadan as a leadership laboratory for mosque youth to address the challenges of developing the Islamic generation in the disruptive era.