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All Journal TOMALEBBI: Jurnal Pemikiran, Penelitian Hukum, Pendidikan Pancasila dan Kewarganegaraan (PPKn) AL-Fikr I-ECONOMICS: A Research Journal on Islamic Economics JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia DIKTUM: Jurnal Syariah dan Hukum AL-MAIYYAH Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah International Journal of Supply Chain Management Khatulistiwa: Journal of Islamic Studies Istinbath: Jurnal Hukum dan Ekonomi Islam Nizham Journal of Islamic Studies Madinah: Jurnal Studi Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Adzkiya : Jurnal Hukum dan Ekonomi Syariah BISEI: Jurnal Bisnis dan Ekonomi Islam Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Economic, Public, and Accounting (JEPA) Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam Ulumuna Management of Zakat and Waqf Journal (MAZAWA)) Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Studi Ekonomi dan Bisnis Islam (SEBI) International Journal of Community Service Jurnal Penkomi : Kajian Pendidikan dan Ekonomi Jurnal Ad-Dariyah Al-Buhuts (e-journal) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat International Journal of Multidisciplinary Research and Literature (IJOMRAL) Banco: Jurnal Manajemen dan Perbankan Syariah Mauriduna : Journal of Islamic studies Journal Islamic Economics Ad Diwan Balanca : Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi Syariah dan Bisnis Jurnal Ekonomi dan Binsis ANWARUL: Jurnal Pendidikan dan Dakwah Ash-Shahabah: Jurnal Pendidikan dan Studi Islam Maqrizi : Journal of Economics and Islamic Economics Investama : Jurnal Ekonomi dan Bisnis Peradaban Journal of Religion and Society DIKTUM: JURNAL SYARIAH DAN HUKUM Al-Iftah: Journal of Islamic studies and society Madani: Multidisciplinary Scientific Journal Borneo Islamic Finance and Economics Journal (BIFEJ) Jurnal Inovasi Pendidikan Agama Islam Indonesia Journal Of Zakat and Waqf Al-fiqh : Journal of Islamic Studies Socius: Social Sciences Research Journal Southeast Asia Journal of Graduate of Islamic Business and Economics Journal of Management and Innovation Entrepreneurship (JMIE) JEBD At Tawazun Jurnal ekonomi Islam Media Hukum Indonesia (MHI) Nomico Tafaqquh : Jurnal Hukum Ekonomi Syariah dan Ahwal Syahsiyah Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ilmiah Multidisiplin Keilmuan Mandira Cendikia (JIMK-MC) TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi FUNDS: Jurnal Ilmiah Akutansi, Keuangan, dan Bisnis Islamic Financial And Accounting Review Madania: Jurnal Kajian Keislaman Jurnal At-Tamwil: Kajian Ekonomi Syariah Nomico Jurnal Manajemen, Bisnis dan Kewirausahaan Referensi Islamika: Jurnal Studi Islam Syattar; Studi Ilmu-Ilmu Hukum dan Pendidikan AL-MAIYYAH: Media Transformasi Gender dalam Paradigma Sosial Keagamaan Jurnal Teknologi Pendidikan Madrasah
Rahman Ambo Masse
Universitas Islam Negeri Alauddin Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Transportation Other

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OPTIMALISASI PENERAPAN AKAD MUDHARABAH DALAM KONTEKS LEMBAGA KEUANGAN SYARIAH Wardatul Wahidah. R; Rahayu Japar; Yusri Karmila; Rahman Ambo Masse
Jurnal Teknologi Pendidikan Madrasah Vol 7 No 1 (2024): Jurnal Teknologi Pendidikan Madrasah Vol. 7 (1) 2024
Publisher : Universitas Sains Islam Al Mawaddah Warrahmah Kolaka

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Abstract

The research title is about the Implementation of Mudharabah Agreements in Sharia Financial Institutions. This type of descriptive or exploratory research describes and explains the implementation of mudharabah contracts in sharia financial institutions using a qualitative research approach. In this research, the Library Research method (library study) is used, the data sources come from official documents such as books and journals. The results obtained in this research explain that financing or the process of borrowing capital or providing capital is one of the sharia banking facilities that really helps customers. One of the interesting things is financing with the Mudharabah scheme. Mudharabah can be interpreted as a business cooperation agreement between two parties. The two parties are the fund owner as the first party who provides all the funds (100%) and the fund manager as the second party who acts as manager. In Mudharabah, business profits are shared according to the agreement of all parties written in the contract agreement. Then, if you experience a financial loss, the first party will bear it, but if it is due to the manager's negligence, it will be borne by the fund manager. The value of justice in a Mudharabah contract lies in the benefits and risk sharing of each party who is collaborating according to the portion of their involvement. The aim of this research is to determine the application of mudharabah financing, the principles of sharing business results and the application of justice in mudharabah financing in sharia banking.  
IMPLEMENTASI AKAD SALAM DAN ISTISHNA’ DI PERBANKAN SYARIAH Rahayu Japar; Wardatul Wahidah. R; Yusri Karmila; Rahman Ambo Masse
Jurnal Teknologi Pendidikan Madrasah Vol 7 No 1 (2024): Jurnal Teknologi Pendidikan Madrasah Vol. 7 (1) 2024
Publisher : Universitas Sains Islam Al Mawaddah Warrahmah Kolaka

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Penelitian ini bertujuan untuk mengetahui inovasi akad salam dan istishna’. Akad salam adalah akad jual beli dimana modal (pembayaran) dilakukan secara tunai (di muka) dan objek pesanan diserahkan kemudian dengan jangka waktu tertentu. Akad Istishna merupakan akad jual beli berjenis pesanan pembuatan barang dengan persyaratan dan kriteria tertentu yang telah disepkati oleh shani’ (penjual) dan mustashni’ (pembeli). Penelitian ini dilakukan dengan menggunakan pendekatan kualitatif dan metode uraian. Jenis riset yang digunakan adalah riset kepustakaan. Berdasarkan fatwa DSN-MUI No. 05/DSn-MUI/IV/2000 tentang jual beli salam, akad salam diaplikasikan pada salam paralel. Untuk pembiayaan pertanian dalam jangka waktu yang relatif pendek, yaitu 2 sampai 6 bulan. Salam paralel berarti melaksanakan dua transaksi salam antara bank dengan nasabah dan antara bank dengan supplier (pemasok) atau pihak ketiga secara simultan. Berdasarkan fatwa DSN-MUI No. 06/DSn-MUI/IV/2000 tentang jual beli Istishna’, akad Istishna’ di perbankan syariah diterapkan pada pembiayaan Istishna’ paralel. Dalam kontrak Istishna’, pembeli bisa saja mengizinkan pembuat menggunakan subkontraktor untuk melaksanakan kontrak tersebut.  
SHARIA COMPLIANCE CHALLENGES IN THE ISLAMIC PAWNSHOP INDUSTRY: A STUDY OF RAHN-BASED FINANCIAL SERVICES Nasrullah Bin Sapa; Rahman Ambo Masse; Muhammad Majdy Amiruddin
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNI
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.462

Abstract

This study aims to critically examine the Sharia compliance challenges in the Islamic pawnshop industry in Indonesia, particularly within Rahn-based financial services. It focuses on key issues such as contract structuring, fee (ujrah) determination, collateral management, governance effectiveness, regulatory implementation, and customer-related factors influencing compliance. The research employs a qualitative descriptive approach combined with normative legal analysis and supported by limited quantitative surveys. Data were collected through in-depth interviews, direct observations, and document analysis of DSN-MUI fatwas, regulatory frameworks, standard operating procedures, contracts, and financial reports. Additionally, stakeholder perspectives were gathered through questionnaires involving management, operational staff, Sharia Supervisory Board members, regulators, and customers. A case study was also conducted at an Islamic pawnshop institution in Makassar to provide contextual insights. The findings reveal that the implementation of Rahn and Ijarah contracts in Islamic pawnshops generally complies with DSN-MUI Fatwas, particularly No. 25/2002, No. 26/2002, and No. 92/2014, and successfully avoids explicit elements of riba. However, several critical challenges persist. These include the improper calculation of administrative and storage fees based on loan value rather than actual costs, which potentially introduces elements of riba. Furthermore, the use of multi-contract schemes (e.g., Qardh–Ijarah combinations) creates ambiguity and raises concerns regarding prohibited hybrid contracts. Issues of gharar are also identified in certain pricing and discounting practices. Additional challenges include inconsistencies in collateral management, uneven effectiveness of Sharia governance, and limited staff competency. From the demand side, while customer religiosity supports the adoption of Islamic pawnshop services, low levels of Sharia financial literacy contribute to information asymmetry, potentially masking non-compliance and affecting trust and satisfaction. This study highlights the need for strengthening Sharia governance frameworks, including more rigorous auditing and monitoring mechanisms. It underscores the importance of implementing cost-based ujrah calculations, enhancing regulatory clarity on multi-contract structures, and improving transparency in pricing and disclosure practices. Furthermore, capacity-building programs for staff and systematic efforts to improve public literacy in Islamic finance are essential to ensure sustainable compliance. Policymakers and regulators are also encouraged to develop standardized compliance metrics and enforce more consistent supervision across the industry. This research offers a comprehensive and integrative analysis of Sharia compliance challenges in the Islamic pawnshop sector by combining legal, operational, and behavioral perspectives. It contributes to the literature by bridging the gap between normative Sharia principles and practical implementation, particularly in the context of Rahn-based financial services in Indonesia, and provides actionable insights for enhancing both compliance and institutional credibility.
Co-Authors A. Haerunnisah Azizah A. M. Nur Atma Amir A. Syatir Sofyan AA Sudharmawan, AA Abdul Chadjib Halik Abdul Rizal, Abdul Abdul Sumarlin Abdul Wahab Abdul Wahid Haddade Abdullah AF Abdut Tawwab, Muhammad Achmad Adnan Yahya Adam Nursya Ban, Muh. Adji pratama, Satria Adriani Agung Pribadi Agus, Sherly Afriani Aisyah Arsyad Akram Ista Al fadli Ramadhan Aldi Nyawai Alfani Wahida Ali Halidin Ali Halidin ALI HALIDIN, ALI Alwi, Aulia Aminuyati Amiruddin, Muhammad Majdy Amri Rahman Andi Aderus Andi Fadli Natsif Andi Natsif, Fadli Andi Zulfikar Darussalam Anugrah Arifin, Asriadi Arsyad, Kamaruddin Asapa, Nasrullah Asrandi, Muh Astriani Astuti Syam Audia, Sitti Rabiatul Aulia Alwi Awaluddin Awaluddin Aydi Syam, Aydi Ayu Ruqayyah Yunus Ayu, Vera Budi Iswanto Dahri, Muh. Ihsan Damira Dedy Irwansyah Dian Sari Djufri, irfan EKA DEWINTARA Farah Khumaerah Arif, Nurul Fathurrahman Fatimah, Emi Sri Rahayu Fauziah Fauziah Firawati Firawati Firman Firman Fitra Analia Fitri Handayani Fitri, Nurul Amalia Gunawan Gunawan H, Herianti Hamka Hamka, Hamka Hasbiullah, Hasbiullah Hassan Alaaraj, Hassan Helmy Syamsuri Heriyani, Heriyani Idha Fadhilah Sofyan Idris Parakkasi Ilham, Rizky Amaliyah Ramdhani Indradewa, Rhian Irwan Misbach Ita Rukmanasari Jamaluddin Jayawarsa, A.A. Ketut K, Amiruddin Kadir, Syahruddin Kamaluddin Nurdin Marjuni Katman, Muhammad Nasir Lince Bulutoding M, Misbahuddin Marsanda, Marsanda Maulana Maulana, Maulana Mawaddah Rachman Misbahuddin Misbahuddin Mohammad Subaeh, Syekh Toha Nasir Muammar Bakry Muh Affandi Muh Rasul Pradana Muh. Fadly Syam Muh. Ihsan Dahri Muh. Irwan T. Muh. Irwan. T Muh. Irwan.T Muh. Ridwan Markarma Muhamad, Mar’ie Muhammad Afief Mubayyin Muhammad Dahlan Muhammad Fadel Muhammad Ilham Muhammad Ilham Muhammad Nasri Katman Muhammad W, Syafaat Muhsin, Syamsiah Muntu, Andi Tenri Sri Murtiadi Awaluddin Musdalifa Musdalifa Musdalifah musdalifah Muslihati Muslimah Muslimah Muslimah Muslimah Muslimin Kara Naheri Nahlah, Nahlah Nasrullah Bin Sapa Nela Novyanti Ningsih, Fitiriah Nur Alisa Nur Annisa Baharsyam Nur Azizah Nur Hikmah Nurfiah Nurfiah Nurhidayatullah Rahma Nurjannah Nurjannah Nurjannah Nurrahimah, S. Nurul Pratiwi Pipi Arviana Prades Ariato Silondae Pratiwi, Dhita Putri R, Rahmatullah R, Randy Rabiatul Adawiyah Rafifah Abu, Rahmah Rahayu Japar Rahayu Japar Rahim, Adhira Imawardhani Rahmah Sari, Nur Rahmaniar Rahmawati Muin Raodahtul Jannah rati tiar Ratnasari Ratnasari Reniar Reo Zaputra Reski Ananda Putri, Andi Reza Pahlevi, Ashraf Rhayu Japar Ridwan Rika Dwi Ayu Parmitasari Rizal Ancu Rizki, Atika Rukiah Rukman Aditama Sahrani, Sahrani Sakti, Salwa Nurfauziyah Salam, Selmiana Samsidar Sandi, Ahmad Sapinah Sappeami, Sappeami Sirajuddin Sirajuddin Sirajuddin Sofyan, Idha Fadhilah Sri Nurul Nabila Sry Muliyani Sudarmi Sudarmi Sudirman Sudirman Sufiani Zahra Sumarlin Sumar’in Sunuwati, Sunuwati Syahdan Hidayat Syamsurianto Syariati, Namla Elfa Taqwim, Andi Ahsan Trisno Wardy Putra Usnul Fadilah Aras Wahyuddin WAHYUNI Wardatul Wahidah Wardatul Wahidah. R Wardatul Wahidah. R Wawan M. Wiwik Permatasari Wulan Purnamasari WULAN PURNAMASARI, WULAN Wulandari, Devy Yuli Irawan Rasit Yuli Irawan Rasit Yuliansyah Yuniar Yusri Karmila Zainuddin, Elza