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Transformasi Digital Pegadaian Syari’ah: Tinjauan Ulang terhadap Akad Rahn dan Ijarah dalam Layanan Gadai Online Farhanah, Farida Afnan; Nurrohmah, Lia; Destari, Ridha Nuri; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17852693

Abstract

Digital transformation at Pegadaian Syariah is an important step in responding to technological developments and the public’s need for fast and efficient financial services. Through the Pegadaian Digital Service (PDS), pawn transactions can now be conducted online without compromising sharia principles. This study aims to examine how the Rahn and Ijarah contracts are implemented in online pawn services and to assess their compliance with the provisions of fiqh muamalah and legal regulations in Indonesia. The method used is a qualitative approach with a literature study, involving analysis of DSN-MUI fatwas, Islamic economics literature, and official documents from Pegadaian Syariah. The results of the study show that the implementation of the Rahn and Ijarah contracts in digital form fulfills sharia requirements because it is transparent, uses valid electronic signatures, and operates under the supervision of the Sharia Supervisory Board (DPS). This digital transformation not only increases the efficiency and security of services but also expands public access to sharia-compliant finance and supports the realization of maqashid sharia, namely public benefit and justice in modern economic transactions.
Analisis Preskriptif Hukum Ekonomi Syariah terhadap Praktik Pengenaan Biaya Administrasi QRIS pada Usaha Mikro Purwono, Muhammad Azhar Firdaus; Dzakir, Muhammad Najwan; Fuad, Hanif Jayidul; Imtiyaz, Mohammad Alqis Fawwazil; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17810678

Abstract

This study aims to analyze the appropriateness of charging administrative fees in digital payment transactions using QRIS among micro-enterprises in light of the regulations of Bank Indonesia and the principles of Islamic economic law (sharia). Using a qualitative method with a prescriptive approach, this research evaluates whether such practice is right or wrong based on interview data from merchants and consumers, as well as a literature review related to digital payment systems, MDR regulation, and fiqh muamalah. The analysis finds that merchants’ imposition of QRIS administrative fees constitutes conduct that is not aligned with regulatory provisions, violates consumer protection principles, and contradicts the principles of fairness, transparency, and the concept of ‘iwadh in muamalah. The findings affirm that QRIS administrative fees are invalid both from a regulatory and sharia perspective, thereby necessitating stronger education and oversight to ensure fair and sharia-compliant digital transaction practices.
Analisis Kepatuhan Syariah dalam Praktik Bisnis Network Marketing Studi Kasus: PT Bandung Eco Sinergi Teknologi (PT BEST) Aulia, Muhammad Azkal; Usfantoro, Meyga Nurcahyo; Imdaduloh, Aurel; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17840772

Abstract

The rapid growth of multi-level marketing (MLM) companies in Indonesia, including those claiming to adopt a sharia-based system, raises questions regarding the conformity of their business mechanisms with Islamic economic law principles. This study aims to analyze the level of sharia compliance in the network marketing practices of PT Bandung Eco Sinergi Teknologi (PT BEST). A qualitative approach with a descriptive-analytical method is employed to examine PT BEST’s business system based on muamalah principles and the provisions of DSN-MUI Fatwa No. 75/DSN-MUI/VII/2009 on Sharia-Compliant Multi-Level Direct Selling. Primary data were collected through interviews with distributors and management, observations of training and marketing activities, and documentation studies of company regulations and bonus schemes. The findings indicate that PT BEST has made efforts to implement a sharia-compliant network marketing model by providing real and beneficial products and explicitly avoiding riba-related practices. However, several aspects still require improvement, particularly the balance between product sales and member recruitment, the transparency of bonus distribution, and the effectiveness of sharia supervision. The study concludes that PT BEST’s business system partially fulfills sharia principles and offers recommendations for strengthening more ethical, transparent, and equitable network marketing practices.
Implementation of Digital Zakat Payments at the National Amil Zakat Agency (BAZNAS) of Bandung City Munajat, Muhammad Istajib; Algiani, Jimi Malik Bin; Roihansyah, Muhammad Sahrul; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine the implementation of digitalization in the zakat payment system at BAZNAS Bandung City and its impact on management efficiency and community engagement. The rationale behind this investigation stems from the necessity for zakat organizations to embrace technological advancements to enhance transparency, accountability, and service accessibility. The methodology used is qualitatively descriptive, involving interviews, observations, and documentation from BAZNAS stakeholders and digital service users. The findings indicate that the deployment of the BAZNAS Digital Office framework and additional digital platforms has facilitated zakat payments, expanded the scope of collection, and improved transparency in distribution processes. Moreover, digitalization has encouraged the involvement of non-civil servant communities in consistent and effective zakat practices. Nevertheless, challenges remain, including limited digital literacy, technical malfunctions, and concerns regarding data security. In summary, the digital transformation of zakat at BAZNAS Bandung City represents a significant step toward contemporary, efficient, and accountable zakat administration. Enhancing human resource capacity and system security is crucial to maintaining public trust. Practically, this study underscores the importance of collaboration between zakat institutions and the technology sector to strengthen the social impact of zakat in the digital era.
Analisis Penerapan Prinsip Muamalah dalam Operasional Hotel Syariah (Savindra Residence) Ali Fikri, Muhammad; Maulana, Muhammad Iqbal; Putri H, Hana; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17828756

Abstract

This study examines how muamalah principles are implemented in the daily operations of a sharia hotel in Indonesia. Using a qualitative descriptive-analytic approach, data were collected through interviews, observations, and literature reviews, including DSN-MUI Fatwa No.108/2016. The findings show that the hotel applies sharia-compliant service contracts by strictly verifying marital status, preventing unlawful activities, and ensuring transparency in every transaction. Ethical values such as amanah and ihsan are reflected in the staff’s polite yet firm attitude when communicating rules to guests. However, challenges remain, including limited guest understanding of sharia regulations, insufficient supporting facilities, and occasional security issues. The study concludes that although the hotel has generally upheld muamalah principles, improvements in guest education and sharia-based facilities are still needed for more optimal implementation.
An Islamic Economic Law Analysis of Online Almsgiving Practices through the Digital Platform in the Dompet Dhuafa Application Dwiyulianthi, Anisya; Sofyanti, Rahma Siti; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 11 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17840961

Abstract

This study analyzes the implementation of online almsgiving (sedekah) on the Dompet Dhuafa platform from an Islamic sharia perspective using a qualitative approach with a descriptive method supported by in-depth interviews. The findings show that online almsgiving complies with sharia principles based on the Qur’an, Hadith, and fiqh rules that permit the use of technology as a means of worship. The system operates through an integrated digital platform with transparent mechanisms, oversight by a Sharia Supervisory Board, and independent audits with an unqualified (WTP) opinion. Online almsgiving significantly increases the number of donors due to accessible features, wide outreach, and efficient processes. Challenges include varying levels of digital literacy, technical limitations, and public concerns regarding sharia validity. These are addressed through continuous education, enhanced security, maximum transparency, and hybrid service models. The study concludes that digital transformation in almsgiving demonstrates Islam’s adaptability while upholding sharia values and optimizing the potential of Islamic philanthropy for greater social impact in the digital era.
A Maqasid Sharia Analysis of Item Purchase Practices in the Roblox Game Nuruzzaman, Muhamad; Wildan, Dede; Almalik, Sulthan Arfa; J, Jaenudin; Herdiana, Dian
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 10 (2025): November
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17773908

Abstract

This study examines the practice of purchasing digital items in the Roblox game from the perspective of maqasid al-syari‘ah, with a specific focus on the principle of protection of wealth. Using a qualitative descriptive method and a maqasid-based analytical approach, this research explores players’ consumption behavior, motivations, and the ethical dimensions of digital spending. Data were obtained through interviews with two Roblox players and an academic expert, supported by relevant literature. The findings show that the purchase of Robux and in-game items is generally conducted for recreational purposes and remains within acceptable financial limits when basic needs are fulfilled and spending is controlled. While such transactions are categorized as permissible according to Islamic economic principles, they carry potential risks such as impulsive spending, digital addiction, and exposure to inappropriate content. The study concludes that purchasing digital items in Roblox is allowed as long as it does not lead to wastefulness, harm, or neglect of obligations. Implementing moderation and financial awareness is essential to ensure alignment with maqasid al-syari‘ah, particularly in protecting wealth and preserving moral values within digital consumption practices.
Kegiatan Aktualisasi Nilai Pancasila dalam Proses Pembelajaran Sekolah Dasar Negeri 050 Cibiru Kota Bandung Ramadhan, Dio; Adriansyah, Reysheeka Kayla Fitriani; Putri, Femi Chantika; Marsyadina, Salwa; Salsabila, Susan; Deristianzah, Dendi Tegar; Hanif, Muhammad Ikhwan; Eka, Angka Wijaya; Shibghotullah, Miqdar; Maris, Hanif Muwahhid; Herdiana, Dian
Nanggroe: Jurnal Pengabdian Cendikia Vol 4, No 10 (2026): January
Publisher : Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18146557

Abstract

The cultivation of Pancasila values from elementary school is a strategic step in shaping the character of the nation’s future generation. This study aims to describe how activities that promote Pancasila values are implemented through game-based learning for fifth-grade students at SD Negeri 050 Cibiru, Bandung City. The method used is Classroom Action Research (CAR) with a qualitative approach focused on internalizing the values of Divinity, Humanity, and Unity. Learning activities included lectures, discussions, Q&A sessions, contextual learning, and role-play, which allowed students to actively and practically engage in understanding each principle. The results indicate that the game-based learning model can boost students’ confidence in sharing opinions, foster tolerance, appreciate differences, and practice mutual cooperation during class activities. Additionally, students showed high enthusiasm and were able to connect Pancasila values to everyday life. Therefore, game-based learning is effective in reinforcing understanding and appreciation of Pancasila values among elementary students and can be recommended as an alternative method in character education.
Aktualisasi Nilai-Nilai Pancasila Sila Ke 2 Dalam Upaya Membangun Sikap Adil dan Beradab di Sekolah Dasar Negri Cinunuk 3 Bandung Fasha, Syahwa Aulia; Azizah, Nayla; Aulia, Dini; Sabrina, Bilqis Ayu; Maulidi, Robby Ahmad; Moehtaram, Afwan; Kurniawan, Fauzan Fakhrurozi; Riyadhoh, Rofi; Sofiah, Siti; Herdiana, Dian; Bachtiar, Zahra Amelia
Nanggroe: Jurnal Pengabdian Cendikia Vol 4, No 9 (2025): December 2025
Publisher : Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17963665

Abstract

This study discusses the implementation of the second principle of Pancasila, “Just and Civilized Humanity,” in the daily activities of 4th- and 5th-grade students at SDN Cinunuk 3. Using a qualitative method through case studies and direct observation, this research explores students’ understanding and practice of humanitarian values, fairness, and civility in their interactions with peers, teachers, and the school environment. The findings show that although students have received instruction on Pancasila, there remains a gap between their conceptual understanding and its application in daily behavior. These results suggest the need to strengthen character education and implement more effective Pancasila learning methods at the elementary school level.
Aktualisasi Nilai-nilai Pancasila dalam Upaya Membangun Karakter Anak-anak di ”Pesantren Pondok Quran Boarding School” Kecamatan Cilengkrang Kabupaten Bandung Nataniela, Shira Putri; Kamil, Najwa Naila Rahma; Ramadhan, Muhammad Syafiq; Raikhansyah, Arrafi; Ginanjar, Agi; Febriyani, Rizka Aulia; Syaqieb, Albar; Alhakim, Agisna Malik; Agustiyani, Riva Esya; Herdiana, Dian; Pahman, Ilham
Nanggroe: Jurnal Pengabdian Cendikia Vol 4, No 10 (2026): January
Publisher : Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18167868

Abstract

Pancasila is the fundamental ideology of the Indonesian state and should serve as a guiding principle in national and civic life; however, the implementation of its values within society remains limited. In the educational context, Islamic boarding schools pondok pesantren play a crucial role in character formation based on Pancasila values, particularly the Second Principle, “Just and Civilized Humanity,” which aligns with the pesantren’s mission to develop generations with akhlaqul karimah (noble character). These values are believed to be implemented through moral development and residential routines at Pondok Quran Boarding School. Therefore, this study aims to analyze and describe specifically how the values of the Second Principle of Pancasila are actualized in efforts to build students’ character at Pondok Quran Boarding School. This study employs a Participatory Action Research (PAR) approach with a qualitative design that emphasizes active involvement and collaboration between the researchers (university students) and participants (students). The actualization of Pancasila values, particularly the Second Principle, was carried out through socialization activities and a series of stages, including planning, preliminary observation, implementation of educational activities in the field, and reflection. The findings indicate that the PAR approach through interactive educational programs is effective as a medium for the actualization and internalization of the Second Principle of Pancasila among junior high school students. These activities make a tangible contribution to strengthening students’ character by fostering respect for human dignity, building civilized relationships, and creating a culture of mutual respect and a healthy learning environment within the school.
Co-Authors Abdillah, Falah Haikal Adriansyah, Reysheeka Kayla Fitriani Adurrofiq, Muhammad Naufal Is Afifah, Lulu Siti Agi Ginanjar Agni, Saharani Nurul Agustiyani, Riva Esya Ahmad Fauzan Al Ghifari, Abdul Halim Al Mubarok, Muhammad Gufron Al-Fathir, Rizieq Ahmad Algiani, Jimi Malik Bin Alhakim, Agisna Malik Ali Fikri, Muhammad Ali, Adlan Alia Pratiwi Alifa, Rannan Salma Aliyah, Rosmatun Alizam, Nur Almalik, Sulthan Arfa Alzahra, Silva Amalina, Tiara Nur Ambia, Fadia Syaira Nur Amin, M. Rafli Aulia Analez, Hanuna Huwaida Andhini, Moja Restu Andri Setiawan Andrian, Devi Ani, Yulfi Hari Ansori, Tuah Harti Aprilia, Nabilah Nur Aprilianti, Dwi Arrasyidin, Alif Mukti Asro, Muhammad Attibyan, Muhammad Ulwanul Umami aulia, Ajeng Aulia Julianti Aulia, Dini Aulia, Muhammad Azkal Aulia, Resha Atkya Awaliyah, Maharani Awani, Renada Azizah, Iffah Azizah, Nayla Azizah, Siti Amalia Azzahra, Nazma Maulidia Bachtiar, Zahra Amelia Badriyah, Azzahra Lailatul Bariyyah, Zulfa Hoirul Caesar, Fajar Dawami, Affan Fadly Deni Budiman, Deni Deristianzah, Dendi Tegar Destari, Ridha Nuri Dewi, Anti Maula Dewi, Devi Silvia Dharsa, Adji Mohammad Diantha, Kineisha Malika Priya Dinda Melayu Diningrum, Asnia Putri Durrotunnafisah, Didah Dwiyulianthi, Anisya Dzakir, Muhammad Najwan Dzikriana, Fatih Eka, Angka Wijaya Evi Susanti Fadilla, Asifa Nurul Fajrani, Zaki Farhanah, Farida Afnan Faridah, Leni Fasha, Syahwa Aulia Fatimah Azzahra Fauzan, Riva Akmalul Fauzi, Safrizal Fauziah, Neng Siti Karimah Fauziyah, Salwa Febriyani, Rizka Aulia Fikri, Muhammad Ali Firdaos, Fikri Fitri, Irene Raydilla Fuad, Hanif Jayidul Fuadi, Muhammad Hafiz Rasinul Gantina, Anna Delfianty Ginanjar, Agim H, Hana Putri Haerunisa, Neida Hafid, Cep Abdul Hafidzatunnaimah, Hana Hafsah, Qotrun Nada Haikal, M. Awalul Haikel, Muhammad Husain Hakim, Muhammad Taufiqul Hanif, Muhammad Ikhwan Hanipah, Soffia Hapiz, Mutiara Hayya, Agnia Jahrotul Hermawan, Adriyansyah Hidayat, Fahmi Taupik Hidayatullah, Fajri Huzaini, Ahmad I, Iryanudin Ibrahim, Dhafin Al Idris Idris Ikyan, Adzka Ilham Maulana Imdaduloh, Aurel Imtiyaz, Mohammad Alqis Fawwazil Indah, Reffa Cempaka Irfan, Muhammad Nadirul Iskandar Iskandar Iskandar, Sarah Minnurillah Ismail, Muhammad Al-Fath J, Jaenudin Jaenudin Jamal, Cecep Ali Jamaludin, Jujun Jannah, Hadiqotul Javier, Zaky Muhammad Johari, Gifani Sri Kamil, Najwa Naila Rahma Khaerunnisa, Rani Khairul Amri Khoirunnisa, Citra Kholisah Komariah, Yani Kurniawan, Fauzan Fakhrurozi Lukman Stone Denche Agus P Maharani, Dinda Fiachsania Malik, Muhammad Raihan Abdul Mamduh, M. Ajril Faiz Mardiyah, Ula Nazhiatul Mariah, Salipah Jumatul Maris, Hanif Muwahhid Marlina, Nina Marliza, Zeny Marsyadina, Salwa Maulana Akbar, Ahmad Zaki Maulana, Acep Ridwan Maulana, M. Irfan Maulana, Muhammad Hilman Maulana, Muhammad Iqbal Maulida, Isda Maulida, Putri Zahra Maulidi, Robby Ahmad Meilani, Windi Mochammad Ilham Fatah Mochammad Imron Awalludin Moehtaram, Afwan Moh. Rijki Maulana Muhammad Abna Rifaah Muhammad Kamil Muhammad Ridwan Muhammad, Fadil Mujtahid, Iqbal Miftakhul Mulkan, Muhammad Rizqi Azis Mulyana, Rizki Munajat, Muhammad Istajib Munawar, Aini Nurazijah Musaffa, Farhan Muthmainah, Fahira Qolbu Mutmainah, Alya Nur Mutmainnah, Mumtaz Zayyin Muttaqin, Ghazy Nufal Nabila, Hilma Saniyya Nani Kurniasih Nasrudin Nataniela, Shira Putri Neni Nuraeni, Neni Neviana Soleha Nisa, Safina Ainun Niscahyo, Dwi Ratno Nuraeni, Fitria Nurafni, Restu Nuraini, Safitri Nurmalasari, Neneng Nurrahman, Aditiya Nurrohmah, Lia Nurul, Supriatna Nuruzzaman, Muhamad Oktaviano, Giovani Pahman, Ilham Permana, Geger Posumah, Wendy Marlin Pratama, Gilang Adi Pratusha, Puspa Dewi Purwono, Muhammad Azhar Firdaus Putra, Rivan Nurvadila Putri H, Hana Putri, Astian Putri, Dhea Anisa Putri, Femi Chantika Putri, Riska Fitri Anggina Qithrotun Nada Rafie, Muhammad Hafiz Ahza Rahayu, Annisa Sri Rahmala, Pramadita Rahmawati Nuraeni Raikhansyah, Arrafi Ramadan, Muhammad Farhan Ramadan, Rafi Putra Ramadhan, Dio Ramadhan, Fakhziar Ramadhan, Luthfi Haikal Ramadhan, Muhammad Hakim Ramadhan, Muhammad Nurfaidh Ramadhan, Muhammad Syafiq Ramadhani, Muhamad Fikry Ramadhani, Octy Rizky Ramdani R, Ramdani Raya, Muhammad Aditya Revaldi, Yasa Riyadhoh, Rofi Rohman, Muhammad Habibur Roihansyah, Muhammad Sahrul Rosadi, Aditya Rusli, Fanisa Asyatilah S, Suhendar Sabrina, Bilqis Ayu Sadiah S, Siti Sadikin, Gelby Nuranisa Sahitya, Nadia Putri Salsabila, Najwa Naila Salsabila, Susan Sanusi, Muhammad Ilham Satria, Maulana Sa’diyah, Safna Sendi Prayoga Septia, Livia Pijar Setia Pratama, Muhammad Ramadhan Setiadi, Aneza Putri Shaafia, Amanda Shasa, Shasa Shibghotullah, Miqdar Sholehah, Rayhanun Sibgah, Lalah Siti Julaeha, Siti Siti Nur Khasanah Siti Nurhasanah Siti Sa’diah, Diah Siti Sofiah Siti Widharetno, Mursalim Sofyanti, Rahma Siti Sri Yona Sri Yuniarti, Vinna Sri, Neng Suci, Imelda Aulia Sumiati Sumiati Susilawati, Cucu Syabani, Rafie Muhammad Syaharani, Riffi Aulia Syahputra, Rivaldi Dwi Syaqieb, Albar Syuhada, Muhammad Nabil T, Tamami Tadzkir Putri, Sri Ratu Bulqiyah Tantowi, Ilham Muhammad Tuti Herawati Umi Kulsum Usfantoro, Meyga Nurcahyo Utami, Septya Rizki Uyun, Malihatul Vadhilah, Vina Widyadhana, Hana Wildan, Dede Winata, Arif Wulandari, Shalsa Sri Zahra, Albani Muhamad Ze, Mhd. Haqqil Zulkipli, Muhammad