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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Didaktik : Jurnal Ilmiah PGSD STKIP Subang Education and Learning Journal Al-Tafaqquh: Journal of Islamic Law El-Fata: Journal of Sharia Economics and Islamic Education QANUN: Journal of Islamic Laws and Studies Madani: Multidisciplinary Scientific Journal Socius: Social Sciences Research Journal Media Hukum Indonesia (MHI)
Lawang, Hasanna
Universitas Muslim Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Physics Public Health Social Sciences Other

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ANALISIS HUKUM SYARIAH DALAM AKAD KERJASAMA PENGEMBANGAN EKONOMI WISATA HUTAN PINUS Pebrianto, Reza; Arsyad, Yusri Muhammad; Subaedah; Lawang, Hasanna; Abu Baedah, Said Syafuddin
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01, Maret 2026 Release
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43437

Abstract

The practice of cooperative management of the Bulu Tanah Pine Forest as a form of community-based natural resource utilization requires a study from the perspective of Sharia Economic Law to assess the suitability of the contract, profit-sharing system, and the application of the principle of justice in its implementation. This study aims to analyze the form of contract used in the cooperation and assess its compliance with the pillars and conditions of the contract in the fiqh muamalah. This study uses a qualitative approach with field research. Data collection techniques were carried out through interviews with the management and community involved, direct observation of tourism management activities, and documentation related to activities and cooperation agreements. The data obtained were then analyzed using descriptive-analytical methods to describe the ongoing cooperation practices and assess their compliance with the principles of Sharia economic law. The results of the study indicate that the cooperative practice of the Bulu Tanah Pine Forest tourism management has generally fulfilled the pillars and conditions of the contract, especially in the aspects of the existence of contracting parties, the object of cooperation, and the existence of agreement or willingness between the parties. In addition, the principles of justice and welfare are also evident in community involvement in various tourism economic activities. However, this study also identified several weaknesses, particularly in the administration, recording of cooperation agreements, and transparency in the profit-sharing system. Therefore, although the cooperation agreements implemented are essentially valid under Sharia law, strengthening governance, agreement recording, and transparency systems is needed to ensure that these cooperation practices are more accountable, fair, and sustainable in the future.
ANALISIS IMPLEMENTASI FATWA DSN-MUI PENERAPAN INKLUSI KEUANGAN SYARIAH PADA PEMBIAYAAN MURABAHAH UNTUK PENINGKATAN KESEJAHTERAAN NASABAH DI BPRS Hafid, Ekaradiah; Bunyamin, Andi; Lawang, Hasanna; Raehana, Syarifa; Arsyad, Yusri Muhammad
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Published
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43829

Abstract

This study aims to analyze the application of Islamic financial inclusion principles in murabahah financing at BPRS Bobato, Tidore Islands City, and to examine the implementation of DSN-MUI Fatwa Number 04/DSN-MUI/IV/2000 concerning murabahah contracts in such financing practices. The main focus of this study is to determine the extent to which Islamic financial inclusion through murabahah products is able to provide broader financial access to the community, especially MSMEs, in order to improve their economic welfare in a sustainable manner. The research method used is qualitative research with a case study approach. Data collection was carried out through observation techniques, in-depth interviews, and documentation. Research informants consisted of the management of BPRS Bobato, especially the Marketing Manager, as well as active customers who use murabahah financing. The data obtained were then analyzed descriptively to provide a comprehensive picture of the implementation of Islamic financial inclusion and the conformity of murabahah practices with the DSN-MUI fatwa. The results of the study indicate that the implementation of Islamic financial inclusion at BPRS Bobato has been running well, especially in expanding access to financial services for people who previously had difficulty reaching conventional banking. The implementation of DSN-MUI Fatwa No. 04/2000 has also been in accordance with sharia principles, as evidenced by price and margin transparency. However, challenges remain, including low customer understanding and the need for strengthened internal oversight.
ANALISIS PENETAPAN TARIF AGEN BRILINK DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH KECAMATAN BELOPA UTARA KABUPATEN LUWU Sudirman, Putri; Hasibuddin, M; Lawang, Hasanna; Raehana, Syarifa; Jamaluddin
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43883

Abstract

Belopa Utara District, Luwu Regency, and to examine its conformity with the perspective of Islamic economic law. This research uses a field research method with a qualitative approach and a normative sociological approach. The data sources consist of primary data obtained through interviews with BRIlink agents and customers, as well as secondary data from books, journals, and other supporting documents. Data collection techniques include observation, interviews, and documentation, while data analysis is conducted using descriptive qualitative methods through data reduction, data presentation, and conclusion drawing. The results show that the tariff determination system of BRIlink agents in Belopa Utara is not standardized by PT Bank Rakyat Indonesia (Persero) Tbk, but is determined independently by each agent based on operational costs, location distance, and marketing strategies. This leads to variations in tariffs among agents. In terms of service, BRIlink provides convenience for the community in conducting financial transactions; however, tariff transparency is still not optimal. From the perspective of Islamic economic law, the practice of tariff determination is permissible as it represents a service fee (ujrah) in an ijarah contract, as long as it adheres to the principles of justice, transparency, and public benefit. However, significant tariff differences and lack of transparency may lead to elements of gharar (uncertainty) and perceived injustice. Therefore, increased transparency and supervision are needed to ensure that tariff practices align with Islamic economic principles.
ANALISIS DAMPAK PINJAMAN PERMODALAN NASIONAL MADANI (PNM) MEKAR SYARIAH TERHADAP KESEJAHTERAAN MASYARAKAT PRESPEKTIF HUKUM EKONOMI SYARIAH Syamsinar; Lawang, Hasanna; Akil, M; Bunyamin, Andi; Raehana, Syarifa
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Produce
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43970

Abstract

This study aims to analyze the distribution mechanism and effectiveness of loans from PNM Mekaar Syariah, South Bontonompo Branch, Gowa Regency, in improving the economic welfare of the community in Pa'bundukang Village, South Bontonompo District, and to identify factors that influence the success of customers' micro-enterprises. The results of this study are expected to provide theoretical benefits as a reference in the development of Islamic economics, particularly related to microfinance-based poverty alleviation efforts, as well as practical benefits for PNM Mekaar Syariah in improving the quality of services and empowerment programs. The research method used is a qualitative approach with data collection techniques through direct observation, in-depth interviews, and documentation. Research informants consisted of active customers of PNM Mekaar Syariah and program managers. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions to obtain a valid picture of changes in the economic and social conditions of the community before and after receiving financing. The results of the study indicate that capital loans from PNM Mekaar Syariah have a significant impact on improving community welfare. Economically, customers are able to develop businesses and increase household income. Socially, group-based financing encourages discipline and responsibility. However, there were challenges in repaying installments when business declined. Overall, this program has proven effective in supporting Sharia-based community economic empowerment.
Co-Authors A, Nurfadila Abdillah, Ikram Abdul Karim, Bisyri Abu Baedah, Said Syafuddin Ahmad Ahmad Akil, M Al-Abrar, Muh. Alfisyahri, Alfisyahri Ananda , Aulia Andi Darmawangsa Andi Herawati Anhar, Natasya Wilda Arsyad, Yusri M Arsyad, Yusri Muhammad Aulia Ramadhani Bazith, Ahmad Bazith, Akhmad Bunyamin, Andi Darmawangsa, Andi Fitri Hardiyanti, Nurul H, Hasibuddin Hafid, Ekaradiah Hasibuddin, M Hasibuddin, M. Hasriani, Andi Hendrik Setiawan, Hendrik Ikmal, Ikmal Jamaluddin Karim, Bishri Abdul Lukmana, Annisa Aulia M. Akil M. Akil, M. M. Hasibuddin MARTINI muh. ilyas umar Muhaimin Muhaimin Muhammad Abrar Nasir, Ibnu Mundzir Nirza Delwi Nurfarida Hamid Nurhadiana Salwah Aris Y Pawe, Nunung Indrawati Pebrianto, Reza Putri, Fakhira Parmana Rachana, Syarifa Raehana, Syarifa Reski Amalia Rismaya, Rismaya Riswana Ruslan S, Ansar. Saleh, Muh Sari, Nur Anggun Subaedah Subaedah, Subaedah Sudirman, Putri Surani Syafei, Achmad Syafril Syamsinar Syarifuddin, Said Tahir, Ilyas Tri Wulandari. M Umar, Muh. Ilyas Wahyudi, Audra Anandira Wana Ikhwana Yanti, Rahma Yusri Muhammad Arsyad Zainal, Abdul Qahar Zul Arsil Majid