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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.
IMPLEMENTASI PRINSIP HUKUM EKONOMI SYARIAH DALAM SEWA MENYEWA LOS PASAR Haruna R, Nur Nilam Sari; Darmawangsa, Andi; Lawang, Hasanna; Abu Baedah, Said Syafuddin; Subaedah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 02, Juni 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.v11i02.45609

Abstract

This study aims to determine the practice of leasing market stalls and analyze the implementation of Islamic economic law principles in these practices at Terong Market, Makassar. The background of this study is based on the continued discovery of rental contracts conducted orally without written records, thus potentially creating legal uncertainty and non-compliance with Islamic economic law principles, particularly regarding contract clarity and transparency. This study uses a qualitative method with a field research approach. Data collection techniques are carried out through observation, interviews, and documentation. Informants in this study consist of market managers, traders as stall tenants, and other related parties. The data obtained are analyzed descriptively qualitatively with reference to the theory of ijarah and the principles of Islamic economic law. The results of the study indicate that the practice of leasing stalls at Terong Market, Makassar is carried out through two mechanisms: officially through market managers with written contracts, and informally through third parties which are generally carried out orally. In practice, some principles of Islamic economic law have been met, such as the principles of justice (al-'adalah), willingness (al-ridha), freedom of contract (al-hurriyah), and equality (al-musawah). However, their implementation is not yet fully optimal, particularly in the aspects of contract recording (al-kitabah) and information transparency. This situation has the potential to give rise to elements of gharar (unlawful) that can affect legal certainty and fairness in transactions. Therefore, improvements are needed through the implementation of written contracts, increased transparency, and education for market players so that leasing practices comply with the principles of Islamic economic law.
ANALISIS PRAKTIK JUAL BELI POHON CENGKEH DENGAN SYARAT HAK KEMBALI (BAI’AL-WAFA) DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Triani, Wanda; Akil, M; Lawang, Hasanna; Hasibuddin, M; Syahid, Akhmad
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 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.v11i02.46443

Abstract

This study aims to analyze in-depth the practice of buying and selling clove trees with the condition of the right of return (bai' al-wafa) and assess its compliance with the principles of Islamic economic law in Dengeng-Dengeng Village, Pitu Riase District, Sidenreng Rappang Regency. The practice of bai' al-wafa is a form of transaction that has developed in society as a solution to urgent economic needs, but its implementation still raises debate among scholars because it has the potential to contain elements of gharar (uncertainty), usury, and injustice. Therefore, this study is important to conduct to provide an empirical description as well as a normative analysis of this practice. This study uses a qualitative method with a field research approach, which aims to understand the phenomenon contextually based on real conditions in society. Data collection techniques are carried out through direct observation of transaction practices, in-depth interviews with informants, and documentation as supporting data. The research subjects include clove farmers as sellers, buyers as fund providers, and religious leaders who have an understanding of Islamic law, especially muamalah fiqh. The data obtained were analyzed using a descriptive-analytical method, describing the facts that occurred in the field, then examining and interpreting them based on the concepts of muamalah jurisprudence and the provisions of Islamic economic law. This analysis focused on the clarity of the contract, fairness in the transaction, and the potential for elements prohibited by Islam. With this approach, the research is expected to provide a comprehensive understanding of the practice of bai' al-wafa and its implications for the application of Islamic economic principles in society.
Akad Murabahah dan Inklusivitas Ekonomi Halal: Studi pada Pembiayaan Syariah Baitul Tamwil Hidayatullah Makassar Jamaluddin, Jamaluddin; Lawang, Hasanna; Sumardin, Andi; Syamsinar, Syamsinar; Mariantika, Elena
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 10 No 1 (2026): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v10i1.33230

Abstract

Murabahah contracts play an important role in opening access to financing for groups that have long been marginalized by the conventional banking system. Thus, this contract not only strengthens the halal ecosystem but also provides religious legitimacy and a sense of security for small business actors. Nevertheless, several obstacles such as low financial literacy, high operational costs, and weak financial records among microenterprises remain challenges that need to be addressed. Driving factors such as regulatory support for sharia, the rise of Islamic financial literacy, and public trust in micro-sharia institutions reinforce the sustainability of murabahah practices. The strategies implemented by BTH Makassar ranging from member segmentation, integration of social funds, business mentoring, digitalization of services, to regular monitoring demonstrate an orientation that is not only financial but also social. Murabahah at BTH Makassar emerges as a financing model capable of integrating religious, social, and economic aspects. It becomes an effective instrument of halal financial inclusion, strengthening the competitiveness of microenterprises while simultaneously building a sharia economic ecosystem that is more just, sustainable, and resilient.
Analisis Kesejahteraan Ekonomi Masyarakat Pada Produktivitas Usaha Sarang Walet Perspektif Ekonomi Syariah (Studi Kasus Kec. Kalumpang Hulu, Kab. Kotabaru, Kalimantan Selatan) Wijaya, Alya; Lawang, Hasanna; Subaedah, Subaedah
El-Fata: Journal of Sharia Economics and Islamic Education Vol. 5 No. 1: APRIL 2026
Publisher : Fakultas Agama Islam Universitas Cokroaminoto Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61169/el-fata.v5i1.373

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh produktivitas usaha sarang walet terhadap kesejahteraan ekonomi masyarakat serta meninjau kesesuaiannya dengan prinsip hukum ekonomi syariah. Penelitian ini dilaksanakan di Kecamatan Kalumpang Hulu, Kabupaten Kotabaru, dengan menggunakan pendekatan kualitatif deskriptif dan metode fenomelogis. Teknik pengumpulan data dilakukan melalui wawancara mendalam, observasi alapangan, dan dokumentasi terhadap pengusaha sarang walet, masyarakat sekitar, serta aparat desa. Hasil penelitian ini menujukkan bahwa usaha sarang walet memberikan kontrubusi signifikan terhadap peningkatan pendapatan masyarakat, perbaikan kualitas tempat tinggal, pemenuhan kebutuhan pendidikan dan kesehatan, serta peningkatan kemampuan masyarakat dalam melaksanakan kewajiban sosisal – keagamaan seperti sedekah dan infak. Namun demikian, implementasi zakat usaha sarang walet belum sepenuhnya sesuai dengan ketentuan hukum ekonomi syariah, terutama terkait pemahaman nisab dan kadar zakat. Secara umum, usaha sarang walet dinilai halal dan memberikan manfaat ekonomi, namun memerlukan penguatan edukasi syariah dan pengelolaan lingkungan agar berkelanjutan dan sesuai dengan nilai keadilan islam
ANALISIS PERAN ADMINISTRATIF KANTOR URUSAN AGAMA DALAM PENETAPAN DAN PENGELOLAAN TANAH WAKAF DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Indarwati, Yayu; Raehana, Syarifa; Lawang, Hasanna; Akil, M; Subaedah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 02, Juni 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.v11i02.45617

Abstract

This study aims to determine and analyze the administrative role of the Office of Religious Affairs (KUA) in determining waqf land and the management of waqf land by nazhir from the perspective of Sharia Economic Law in Bolo District, Bima Regency. This study uses a qualitative research type with a phenomenological approach and a sharia approach. Data collection techniques were carried out through observation, interviews, and documentation with informants consisting of the head of KUA, waqf administration staff, nazhir, wakif, and community leaders in Bolo District. The data obtained were then analyzed descriptively qualitatively to provide a comprehensive picture of the administration and management practices of waqf land. The results of the study indicate that the administrative role of KUA in determining waqf land has been implemented through the process of verifying land ownership documents, recording waqf pledges, and issuing Waqf Pledge Deeds (AIW) as proof of legality. This procedure aims to provide legal certainty and protection for waqf assets. However, in practice, waqf is still found to be carried out verbally without official registration, as well as a lack of public understanding of the importance of the administrative aspects and legality of waqf. Meanwhile, waqf land management by the nazhir is generally used for religious and social purposes, such as the construction of mosques and educational facilities. However, this management is not yet fully optimal due to limited managerial capabilities, lack of reporting, and the absence of a structured and professional management system. From the perspective of Sharia Economic Law, this practice reflects the principle of public welfare, but still requires improvements in transparency, accountability, and professionalism to optimize the benefits of waqf for community welfare.
ANALISIS PENERAPAN FATWA DSN-MUI NO.108 TAHUN 2016 PADA PENGELOLAAN HOTEL SYARIAH DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Wulandari, Astrika; Lawang, Hasanna; Akil, M; Raehana, Syarifa; Subaedah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 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.v11i02.46561

Abstract

This research is motivated by the suboptimal implementation of sharia principles in the hotel industry, despite the continued development of the sharia hotel concept in Indonesia. This phenomenon indicates a gap between claims of being a sharia hotel and operational implementation in accordance with Islamic economic law. Therefore, this study aims to analyze the implementation of DSN-MUI Fatwa No. 108 of 2016 concerning Guidelines for Organizing Tourism Based on Sharia Principles in the management of Al-Badar Hotel Syariah Makassar, and to identify various obstacles encountered in its implementation. The research method used is field research with a qualitative interpretative approach. Data collection techniques were carried out through in-depth interviews, direct observation, and documentation. The data obtained were then analyzed qualitatively with an inductive approach to understand the suitability between hotel management practices and the principles of sharia economic law. The results of the study indicate that the implementation of sharia principles has been carried out in several key aspects, namely service, facilities, and guest selection. In the service aspect, Islamic moral values ​​have been applied through the friendly and polite attitude of employees. In terms of facilities, the hotel has provided an environment free from haram elements and supports religious needs. Meanwhile, in terms of guest selection, the hotel has implemented a policy of refusing non-mahram couples. However, this implementation remains partial due to the lack of institutional support, such as the absence of a Sharia Supervisory Board (DPS) and the lack of a comprehensive sharia management system. The main obstacles faced include limited understanding of human resources, low public literacy regarding the concept of sharia hotels, and the absence of a formal oversight system. Therefore, this study recommends strengthening institutions and improving human resource competencies to optimize the implementation of sharia principles comprehensively and sustainably.