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All Journal KARSA: Jurnal Sosial dan Budaya Keislaman (Journal of Social and Islamic Culture) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Robust: Research of Business and Economics Studies
Mongkito, Abdul Wahid
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Journal : Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam

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Conversion of DAPM Institution Community Empowerment Trust Fund Allocation Transactions in Konda District into Sharia Contracts Kalsum, Ummi; Mongkito, Abdul Wahid
Li Falah: Journal of Islamic Economics and Business Vol. 8 No. 2 (2023): December 2023
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v8i2.2652

Abstract

This research aims to convert the Community Empowerment Allocation Fund Distribution Transaction contract into a Sharia-compliant alternative for individuals seeking to avoid usury. It employs a qualitative approach, focusing on a case study of the DAPM Institute in Konda District, Southeast Sulawesi. Data gathered through observation, interviews, and documentation reveals that the transaction contracts in the Women's Savings and Loans (SPP) and Productive Economic Enterprises (UEP) programs in Konda District contain elements of Riba. These programs primarily cater to community needs for goods and services procurement and serve as capital or additional business capital, which can be substituted with murabahah, istishna, mudharabah, and musyarakah contracts. In conclusion, financing for goods and services should utilize murabahah or istisna contracts, while capital or additional business capital may employ mudharabah or musyarakah contracts.
Co-Authors Abdul Rahman, Nik Adzrieman bin Abu, Rahma Rafifah Alfian Toar, Alfian Ansar, Andi Nasrawati Aqbar, Khaerul Bayu Taufiq Possumah, Bayu Taufiq Deshita, Salni Fatmah, Nurul Kiki Novita Muhammad Imran Nurul Hasanah Putra, Trisno Wardy Ramadhan, Sahrul Rohansyah, Miswar Sagiem, Zinnia Wahyunika Salehaman, Salehaman Siti Rahayu Ummi Kalsum Yanti Yanti