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All Journal Shar-E: Jurnal Kajian Ekonomi Hukum Syariah Ekodestinasi : Jurnal Ekonomi, Bisnis, dan Pariwisata
U. Sulia Sukmawati
Universitas Tanjungpura
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Praktik Al-bay‘ bi al-Taqsīṭ di Kalangan Ibu Rumah Tangga di Kota Singkawang: Analisis Maṣlaḥah dan Maqāṣid al-Syarī‘ah Delsy Ramadayanti; Fariastuti Djafar; U. Sulia Sukmawati
Ekodestinasi Vol. 4 No. 2 (2026): EKODESTINASI : Jurnal Ekonomi, Bisnis, dan Pariwisata
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/ekodestinasi.v4i2.1147

Abstract

This study analyzes the practice of al-bay‘ bi al-taqsīṭ (credit sale) among housewives in Sijangkung Urban Village, Singkawang City, from the perspective of Islamic economics. The study aims to describe the socio-economic characteristics of debtors, examine the mechanisms of credit transactions, and evaluate the conformity of such practices with Islamic economic principles, particularly the prohibition of ribā, the principle of maṣlaḥah, and maqāṣid al-sharī‘ah. The study employs a descriptive method with a mixed-methods approach. A sample of 30 housewives was selected through purposive sampling from a population of 152 households in RT 019 and RT 020. Data were collected through questionnaires, in-depth interviews, and documentary studies, and were analyzed using the Miles and Huberman model. The findings indicate that the mechanism of al-bay‘ bi al-taqsīṭ in Sijangkung Urban Village generally fulfills the essential pillars and conditions of sale and purchase under Islamic law: the price is transparently agreed upon prior to the contract, the delivery of goods one to three days after the conclusion of the contract is permissible on the basis of ḥawālah ḍarūriyyah, and no element of gharar is present. However, one fundamental issue remains: the imposition of a late-payment penalty amounting to 10% of the installment value constitutes ribā al-nasī’ah, which is inconsistent with maqāṣid al-sharī‘ah, particularly the protection of wealth (ḥifẓ al-māl). This study recommends replacing the late-payment penalty mechanism with a ta‘zīr instrument, with the proceeds allocated to social funds or waqf, and emphasizes the importance of Islamic economic literacy for participants in informal credit transactions.
Pengaruh Pengangguran dan Distribusi Zakat terhadap Kemiskinan di Indonesia Jumhur; U. Sulia Sukmawati; Nurul Laili Ittasyaq
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 12 No. 1 (2026): Shar-E : Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v12i1.4582

Abstract

This research is motivated by the high poverty rate in Indonesia and the ongoing theoretical debate regarding its influencing factors, specifically unemployment and Islamic philanthropic instruments such as zakat. This study aims to analyze the relationship between the open unemployment rate and zakat distribution on poverty levels across 38 provinces in Indonesia during the 2020-2024 period. The research method employed is quantitative with panel data, combining time-series and cross-sectional data. The data are sourced from official publications of the Indonesian Central Bureau of Statistics (BPS) and BAZNAS RI, subsequently analyzed using correlation tests to identify the direction and strength of the relationships between variables. Theoretically, the results indicate that unemployment is positively related to poverty due to the loss of income sources, while zakat plays a significant role as a wealth redistribution instrument that is negatively related to poverty levels. Empirically, unemployment dynamics in Indonesia experienced a significant increase in 2021 due to the COVID-19 pandemic before showing a declining trend until 2024, directly impacting the fluctuations in poverty rates across various regions.
Co-Authors Delsy Ramadayanti Fariastuti Fariastuti Jumhur Nurul Laili Ittasyaq