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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ekonomi Utama (Juria) Jurnal Peradaban Masyarakat (JPM) JEDLISH Journal of Islamic Economics Lariba Kumpulan Artikel Ilmiah Pendidikan Islam Lex Aeterna Law Journal Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Jurmas: Jurnal Pengabdian Masyarakat Mashlahah: Journal of Islamic Economics
pusvisasari, lina
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Religion Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Perbedaan Konsep Fasakh, Infisakh, Dan Iqalah Dalam Hukum Islam Pada Pembatalan Akad Azzahra, Tyas; Sekarini, Fairana; Pusvisasari, Lina
Lex Aeterna Law Journal Vol 3 No 3 (2025): Lex Aeterna Law Journal
Publisher : Lex Aeterna Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69780/lexaeternalawjournal.v3i3.90

Abstract

Penelitian ini membahas konsep fasakh, infisakh, dan iqalah dalam hukum Islam sebagai bentuk pembatalan akad. Fasakh adalah pembatalan akad secara sepihak karena adanya cacat atau pelanggaran syarat. Infisakh terjadi otomatis tanpa intervensi pihak manapun, misalnya karena kematian atau hilangnya objek akad. Sementara iqalah adalah pembatalan akad berdasarkan kesepakatan kedua belah pihak. Ketiganya memiliki perbedaan mendasar dari segi sebab, proses, dan akibat hukum. Pemahaman konsep ini penting dalam praktik muamalah agar akad yang dijalankan sah dan adil sesuai syariat.
Kesesuaian Praktik Bagi Hasil Pertanian di Kampung Babakan Nagrak dengan Prinsip-Prinsip Hukum Islam Sobandi, Nia; Pusvisasari, Lina; Nurazizah, Rayi
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 8 No. 1 (2026): Tasyri: Jurnal Muamalah dan Ekonomi Syariah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v8i1.538

Abstract

This study examines the conformity of agricultural profit-sharing practices in Babakan Nagrak Village with Islamic legal principles. Previous studies on muzāra‘ah have mostly focused on normative aspects, while empirical practices at the village level remain underexamined. This research aims to fill that gap by analyzing the actual cooperation between landowners and tenant farmers. This study employs a qualitative approach using a case study method through field observation, in-depth interviews with three key informants, and documentation. The findings show that profit-sharing is implemented using a 1/2–1/2 and 1/3–2/3 ratio based on capital and labor contributions. Generally, the practice fulfills the main elements of a muzāra‘ah contract, such as mutual consent (tarāḍī) and agreed profit ratios. However, the absence of written agreements and unclear risk allocation in case of crop failure potentially leads to elements of gharar. This study contributes by proposing a simple administrative model for muzāra‘ah contracts to improve transparency and fairness based on fiqh muamalah principles. Practically, it can serve as a reference for rural communities in strengthening Sharia-compliant agricultural cooperation.
A ANALISIS KONSEP PROFIT SHARING DAN NISBAH PADA AKAD MUDHARABAH DALAM OPERASIONAL BANK SYARIAH DI ERA DIGITAL : Implementasi Mudharabah pada Bank Syariah di Era Digital Pusvisasari, Lina; Yusuf, Fikri Maulana; Alamsyah, Ahmad Radi
JEDLISH : Journal Of Education and English Language Teaching Vol 5 No 2 (2025): JEDLISH Vol. 5 No. 2 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Faletehan

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Abstract

Kontrak Mudharabah merupakan bagian penting dari produk perbankan syariah yang berlandaskan prinsip pembagian keuntungan. Dalam operasionalnya, bank syariah menerapkan konsep rasio untuk menentukan proporsi keuntungan antara pemilik modal (shahibul mal) dan pengelola usaha (mudharib). Penelitian ini bertujuan untuk menganalisis konsep pembagian keuntungan dan rasio dalam kontrak Mudharabah pada operasional perbankan syariah di era digital, dengan menggunakan metode penelitian kepustakaan. Hasil penelitian menunjukkan bahwa konsep pembagian keuntungan dan rasio tetap relevan dan adaptif terhadap perkembangan digital, di mana penentuan proporsi keuntungan disesuaikan berdasarkan kesepakatan antara bank dan nasabah.
Liberating loan shark victims: The collaborative role of BAZNAS, Pesantren, and Cianjur Social Services in zakat-based rehabilitation Hadiyanto, Redi; Pusvisasari, Lina; Athoillah, Mohamad Anton
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art9

Abstract

IntroductionLoan shark predation traps financially vulnerable households in recurring debt, weakens family welfare, and undermines community stability. Conventional interventions often provide temporary debt relief without addressing the economic, legal, psychological, and spiritual conditions that cause victims to return to predatory lending. Productive zakat offers a potential instrument for social rehabilitation when combined with community trust, legal protection, and sustainable economic empowerment.ObjectivesThis study examines the collaborative roles of the National Zakat Agency of Cianjur, pesantren, and the Cianjur Social Service Agency in rehabilitating loan shark victims through zakat-based programs. It analyzes the division of institutional responsibilities, implementation mechanisms, synergistic interactions, program outcomes, and challenges affecting long-term sustainability.MethodThe study employed an emergent qualitative multiple-case design in Cugenang, Cipanas, Pacet, and Cikalong Kulon, Cianjur Regency, Indonesia. Data were collected over six months through semi-structured interviews, longitudinal field observations, and document analysis. The initial participants comprised twenty-four representatives of the National Zakat Agency, pesantren leaders and administrators, social-service personnel, and beneficiary household heads. Data were analyzed through abductive thematic analysis, constant comparison, maximum-variation sampling, and deviant-case analysis.ResultsThe findings reveal a four-stage rehabilitation process consisting of victim identification and verification, core intervention, mentoring and monitoring, and sustainability support. The National Zakat Agency provided productive zakat capital and Sharia financial education. Pesantren facilitated victim identification, religious counseling, spiritual commitment, and community trust. The Social Service Agency delivered legal mediation, administrative assistance, and access to social protection. Debt mediation succeeded in more than eighty percent of cases, while all beneficiaries-initiated microenterprises using productive assets. Participants also reported reduced anxiety, restored dignity, and stronger social belonging. However, approximately thirty percent of businesses stagnated after twelve to eighteen months.ImplicationsSustainable rehabilitation requires formal coordination, advanced business mentoring, long-term monitoring, and institutional mechanisms that reduce dependence on individual local leaders.Originality/NoveltyThis study introduces a community-embedded tripartite model that integrates productive zakat, religious authority, and government social protection. It expands zakat from consumptive assistance into a transformative instrument for debt liberation, economic independence, spiritual recovery, and social justice.
Co-Authors Al-Haedari, Muhammad Rifki Alamsyah, Ahmad Radi Amarullah, Syahrul Athoillah, Mohamad Anton Azzahra, Tyas Florensa, Paska Hasan Bisri Hasny, Achmad Syihab Hilmi, Irvan Hoer, Uus Husni Irnawati, Wati Latipah, Euis Maspuroh, Maspuroh Muria, Maharani Nurazizah, Rayi Putri, Reva Chintia Rahmatullah, Ahmad Redi Hadiyanto Rismayanti Rismayanti Rusli, Dodi Yarli Sekarini, Fairana Sobandi, Nia Suntana, Ija Yusuf, Fikri Maulana