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Penetapan Margin Keuntungan Pada Pembiayaan Murabahah Dalam Perspektif Hukum Ekonomi Syariah Dan Fatwa-Fatwa Dsn-Mui Nurhadiana Salwah Aris Y; M. Hasibuddin; Hasanna Lawang
QANUN: Journal of Islamic Laws and Studies Vol. 2 No. 1 (2023): QANUN: Journal of Islamic Laws and Studies, September 2023
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/qanun.v2i1.332

Abstract

Penelitian ini merupakan penelitian kualitatif. Teknik pengumpulan data menggunakan observasi dengan cara mengamati langsung di Bank Syariah Indonesia KCP Makassar Panakkukang, selanjutnya dengan cara wawancara sebagai pendukung guna melengkapi informasi penelitian, serta dengan dokumentasi dan studi kepustakaan guna melengkapi data dan teori. Sumber data yang penulis gunakan adalah terdiri dari sumber data primer yaitu data yang diperoleh dari hasil wawancara dan observasi dari kedua belah pihak yaitu pegawai marketing BSI KCP Makassar Panakkukang dan Nasabah Pembiayaan Murabahah Griya dan sumber data sekunder yaitu data yang diperoleh melalui penelaan buku-buku yang berkaitan dan menunjang penelitian ini. Setelah data terkumpul penulis melakukan analisa data dengan menggunakan metode kualitatif deskriptif. Hasil penelitian menemukan: pertama, Penetapan margin pada pembiayaan murabahah di Bank Syariah Indonesia KCP Makassar Panakkukang yakni menggunakan Metode flat. Kedua, penetapan margin pembiayaan yang ada di Bank Syariah Indonesia KCP Makassar panakkukang sudah sesuai dengan syariat karena modal dan margin yang di ambil bank pada nasabah sudah di jelaskan pada nasabah. Selain itu pembiayaan yang ada di Bank Syariah Indonesia KCP Makassar Panakkukang sudah sesuai dengan syariat hal ini sesuai dengan pendapat Imam Maliki yang membatasi maksimal pengambilan laba tidak boleh melebihi sepertiga dari modal.
Analisis Praktik Akad Murabahah Pada Produk Tabungan Emas Dalam Prespektif Hukum Ekonomi Syariah Reski Amalia; Hasanna Lawang; M. Akil
QANUN: Journal of Islamic Laws and Studies Vol. 2 No. 1 (2023): QANUN: Journal of Islamic Laws and Studies, September 2023
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/qanun.v2i1.340

Abstract

Penelitian ini menggunakan metode penelitian Lapangan dengan pendekatan Kualitatif deskriptif dengan menggunakan Teknik pengumpulan data melalui observasi, wawancara mendalam serta analisis dokumen. Hasil penelitian ini menujukkan bahwa Pertama, Penerapan akad murabahah pada produk tabungan emas di pegadaian syariah hasanuddin Gowa diterapkan Ketika nasabah ingin membeli atau memiliki emas yaitu dapat dengan cara menabung. Kemudian uang tersebut dimasukkan ke dalam rekening nasabah oleh Pegadaian Syariah, sehingga suatu saat nanti nasabah bisa memiliki emas tersebut sesuai dengan uang yang telah ditabungnya. Selanjutnya Ketika nasabah ingin melakukan transaksi buyback, maka keuntungan pada transaksi buyback tersebut akan mengikuti harga emas pada hari itu. Praktek akad murabahah  pada produk tabungan emas Pegadaian syariah Hasanuddin Gowa belum sepenuhnya sesuai dalam prespektif hukum ekonomi syariah karna Meninjau dari fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 dan fatwa DSN-MUI No. 111/DSN-MUI/IX/2017 ada ketentuan fatwa yang  belum sesuai dengan aturan yaitu, pada keuntungan dan harga beli pihak pegadaian syariah dengan pihak ketiga, karena semua itu dilakukan secara sistem jadi nasabah tidak mengetahui secara pasti, mereka hanya mengikuti yang sudah ada. Kesimpulan penelitian ini yakni akad murabahah diterapkan ketika nasabah ingin membeli emas dengan metode menabung dan akad murabahah juga terjadi ketika nasabah ingin melakukan transaksi buyback. Praktek akad murabahah dalam prekpektif hukum ekonomi syariah belum sepenunhnya sesuai dengan ketentuan fatwa yaitu dalam penegasan keuntungan.
Akad Murabahah dan Inklusivitas Ekonomi Halal: Studi pada Pembiayaan Syariah Baitul Tamwil Hidayatullah Makassar Jamaluddin Jamaluddin; Hasanna Lawang; Andi Sumardin; Syamsinar Syamsinar; Elena Mariantika
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.
IMPLEMENTASI FATWA DSN MUI NOMOR:92/DSN MUI/IV/2014 TENTANG PEMBIAYAAN YANG DISERTAI RAHN PADA PRODUK ARRUM HAJI PEGADAIAN SYARIAH JENEPONTO AS, Nurul Hikmah; Lawang, Hasanna; Akil, M; Bunyamin, Andi; Raehana, Syarifa
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.v11i02.44124

Abstract

This study discusses the implementation of the Fatwa of the National Sharia Council of the Indonesian Ulema Council Number 92/DSN-MUI/IV/2014 concerning financing accompanied by rahn for the Arrum Haji product at Pegadaian Syariah Jeneponto. The focus of this study is to analyze the operational system of the Arrum Haji product and its compliance with the fatwa provisions. This study aims to determine the operational mechanism of Arrum Haji financing and assess its level of sharia compliance. Theoretically, this study is expected to enrich the study of sharia economic law, while practically it can serve as evaluation material for Pegadaian Syariah and a source of information for the public. This study uses a qualitative method with a case study approach. Data were collected through observation, interviews, documentation, and literature review. Data analysis was carried out through the stages of data reduction, data presentation, verification, drawing conclusions, and triangulation to ensure data validity. The results show that the Arrum Haji operational system is implemented systematically through the stages of financing application, eligibility verification, submission of collateral in the form of gold or diamonds, signing the contract, and opening a hajj savings account at a partner sharia bank. Next, Pegadaian transfers the initial Hajj deposit funds so that customers can obtain a portion number from the Ministry of Religious Affairs. In terms of fatwa implementation, the Arrum Haji product complies with Sharia principles through the use of qardh, rahn, ijarah, and kafalah contracts. Pegadaian's revenue comes from collateral maintenance fees (mu'nah) and agreed-upon administration fees, thus avoiding any element of usury (riba).
PENGGUNAAN CERITA BERGAMBAR UNTUK MENINGKATKAN KEMAMPUAN MEMBACA SISWA KELAS VI A MI ABU HURAIRAH MAKASSAR Mohammad Yusuf Iskandarsyah; Abdul Qahar Zainal; Hasanna Lawang
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.v11i02.45130

Abstract

This study aims to determine the effectiveness of using illustrated stories in improving the reading skills of sixth-grade (A) students at Abu Hurairah Elementary School in Makassar. The researcher employed a classroom action research method through observation, testing, and document analysis. The results of the study indicate that the use of illustrated stories in improving reading skills showed a significant improvement. In the first cycle, the students’ achievement reached 38%, which was categorized as “low,” and then increased in the second cycle to 100%, which was categorized as “excellent.” This demonstrates a substantial improvement in students’ reading skills. Furthermore, the observation results revealed that both teacher and student activities were well executed. The teacher demonstrated strong competence in conducting the teaching and learning process, while the students showed high enthusiasm during the learning activities using illustrated stories. These findings indicate that the use of illustrated stories is highly effective in improving and developing students’ reading skills and can be recommended as an appropriate method for teaching the Arabic language.
SISTEM PENDIDIKAN DAN PENGEMBANGAN PESANTREN DALAM MEMBENTUK KEMANDIRIAN SANTRI DI PONDOK PESANTREN DARUL AMAN GOMBARA MAKASSAR Muh. Shadiq Al Sabri; M. Hasibuddin Mahmud; Akhmad Bazith; Maryam Ismail; Hasanna Lawang; Ratika Nengsih
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.v11i02.45132

Abstract

Muh. Shadiq Al Sabri. The Education and Development System of Islamic Boarding School in Forming Students’ Independence at Pondok Pesantren Darul Aman Gombara Makassar (supervised by Dr. H. M. Hasibuddin Mahmud, SS., MA. and Dr. H. Akhmad Bazith, Lc., MA). Islamic education is one of the most essential aspects in the life of Muslims. In this context, students’ independence is a crucial element that cannot be overlooked. It plays an import ant role in shaping strong and self-reliant character, as well as preparing students to become resilient leaders in the future. This study aims to: (1) identify the educational system in forming students’ independence at Pondok Pesantren Darul Aman Gombara Makassar; and (2) examine the development system in forming students’ independence at the same institution. The research employed a descriptive qualitative method. Data were collected through observation, interviews, and documentation. The data analysis techniques included data collection, data reduction, data presentation, and drawing conclusions. The results of the study indicate that the system implemented at Darul Aman Gombara Islamic Boarding School in Makassar in fostering students’ independence is carried out through integrated stages of planning, implementation, guidance and habituation, as well as evaluation. In addition, the development system through student organizations, da'wah programs and speech training, as well as extracurricular activities, further strengthens students’ independence, particularly in terms of discipline, responsibility, and self-confidence. However, there are still some students who are less compliant and less active; therefore, guidance and supervision need to be improved so that students’ independence can be developed more optimally and evenly. The conclusion of this study shows that the educational and developmental system implemented at Darul Aman Gombara Islamic Boarding School in Makassar is fairly effective in fostering students’ independence through integrated implementation in daily life. This system is able to develop discipline, responsibility, and self-confidence, although there are still some students who are less compliant and less active, thus requiring further guidance.
Analisis Hukum Ekonomi Syariah Terhadap Praktik Akad Muzara’Ah Pada Lahan Persawahan (Studi Kasus Di Desa Patobong Kec. Mattirosompe Kab. Pinrang) Arvilla Maulana Putra; Hasanna Lawang; Subaedah; Hasibuddin; Sinta Kasim
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 Nomor 02, Juni 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.v11i02.49382

Abstract

In Muslim communities, the muzara’ah contract is implemented as a partnership model between landowners and farmers through a mutually agreed-upon profit-sharing mechanism designed to prevent exploitative practices by balancing the distribution of profits and risks. This study aims to examine the practice of the muzara’ah contract in rice fields in Patobong Village, Mattirosompe Subdistrict, Pinrang Regency. This is a qualitative study involving 5 participants, with data collected through interviews, observations, documentation, and relevant literature. Based on the findings, the practice of the muzara’ah contract in the rice fields of Patobong Village remains relevant and provides benefits to the community. This practice reflects Sharia values such as justice, mutual aid, trustworthiness, and willingness in transactions. However, villagers still have a limited understanding of Sharia economic law, particularly regarding the muzara’ah contract, which is viewed merely as a form of agricultural cooperation inherited from previous generations, without fully grasping the Sharia rules and regulations that govern it comprehensively. Therefore, the application of the muzara'ah contract in the rice fields of Patobong Village is influenced by several factors, such as the community’s understanding of Sharia economic law, social customs that have developed over generations, the economic conditions of the parties involved, and the relationship of trust between landowners and tenant farmers.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP IMPLEMENTASI AKAD WAKALAH BIL UJRAH PADA SISTEM PENJUALAN KONSINYASI (TITIP JUAL) UMKM AKSESORIS DI KECAMATAN MAKALE TANA TORAJA Citra, Winny; Raehana, Syarifa; Zainal, Abdul Qahar; Lawang, Hasanna; Martini
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.v11i02.53934

Abstract

This study aims to determine the practice of the consignment sales system in Toraja accessories MSMEs in Makale District, Tana Toraja Regency and analyze the review of Sharia Economic Law on the implementation of the wakalah bil ujrah contract in this practice. This study uses a qualitative research type with a normative sociological approach. The research location is in Makale District, Tana Toraja Regency. The data sources used consist of primary data obtained through observation and interviews with MSMEs and shop owners, and secondary data obtained from books, journals, documents, and relevant literature. Data collection techniques were carried out through observation, interviews, and documentation, while data analysis used qualitative descriptive methods. The results of the study indicate that the practice of the consignment sales system in Toraja accessories MSMEs in Makale District is carried out through a mechanism of consignment of goods by MSMEs to shop owners to be marketed to consumers. This system provides benefits for both parties because MSMEs can expand their marketing reach without bearing shop operational costs, while shop owners receive commissions from product sales. Risk management is carried out based on mutual agreement, where damage that occurs within the limits of operational reasonableness is borne by the owner of the goods, while losses due to negligence of the store are the responsibility of the store. Based on the review of Sharia Economic Law, the practice of consignment sales is in accordance with the principles of the wakalah bil ujrah contract because there is an element of granting power of attorney from the MSME actor (muwakkil) to the store owner (wakil) to sell goods in return for a commission or commission that has been agreed upon.  
ANALISIS PERILAKU DAN ETIKA BISNIS PEDAGANG PAKAIAN DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH DI PASAR SENTRAL TAKALALA KABUPATEN SOPPENG Haerunnisyah, Nahda; Lawang, Hasanna; Subaedah; Darmawangsa, Andi; Syahid, Akhmad
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 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.v11i03.55888

Abstract

This study aims to identify the behavior and business ethics of clothing traders from the perspective of Islamic Economic Law and to analyze the practices of Islamic business ethics implemented by clothing traders in Takalala Central Market, Soppeng Regency. This study uses a qualitative method with a case study approach. Data were obtained through semi-structured interviews, direct observation, and documentation of clothing traders and consumers operating in Takalala Central Market. Data analysis was conducted using the Miles, Huberman, and Saldana model, which includes data reduction, data presentation, and conclusion drawing and verification. The results show that most clothing traders have implemented Islamic business ethics values ​​in their trading activities, such as a friendly attitude in serving consumers, honesty in providing information about goods, a trustworthy attitude in maintaining customer trust, and the implementation of a bargaining system based on mutual agreement. In addition, the trading practices carried out generally meet the basic principles of Islamic Economic Law, such as willingness (an-taradhin), justice, and responsibility in transactions. This study concludes that the behavior and business ethics of clothing vendors in Takalala Central Market generally reflect Islamic business ethics and the principles of Sharia Economic Law, although improvements in transparency and consistency in the application of business ethics are still needed. The novelty of this research lies in the empirical study of the behavior and business ethics of clothing vendors in traditional markets, analyzed specifically through the perspective of Sharia Economic Law.
EFEKTIVITAS PEMBELAJARAN KITAB TURATS DI PONDOK PESANTREN SALAFIYAH PARAPPE KEC. CAMPALAGIAN KAB. POLEWALI MANDAR SULAWESI BARAT Muh. Arif; Andi Bunyamin; Hasanna Lawang; Hasibuddin Mahmud; Ahmad Hakim; Samsuddin Kade
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Public
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.56879

Abstract

Muh. Arif, Efektivitas Pembelajaran Kitab Turats di Pondok Pesantren Salafiyah Parappe Kec. Campalagian Kab. Polewali Mandar Sulawesi Barat. (dibimbing oleh: Dr. H. Andi Bunyamin, M.Pd. dan Dr. H. Hasanna Lawang, Lc., M.Ag). Penelitian ini bertujuan untuk mengetahui (1) sistem pembelajaran kitab Turats di Pondok Pesantren Salafiyah Parappe Kec. Campalagian Kab. Polewali Mandar. (2) untuk mengetahui Efektivitas Pembelajaran Kitab Turats di Pondok Pesantren salafiyah Parappe Kec. Campalagian Kab. Polewali Mandar.Metode penelitian yang digunakan adalah kualitatif deskriptif. Data dikumpulkan melalui observasi, wawancara dan dokumentasi. Teknik analisis data berupa pengumpulan data, penyajian data, reduksi data dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa (1) sistem pembelajaran kitab turats dilaksanakan melalui metode tradisional seperti sorogan, bandongan, dan hafalan yang didukung oleh penguasaan ilmu alat (nahwu dan sharaf), serta berlangsung dalam lingkungan pesantren yang menekankan kedisiplinan dan pembiasaan belajar; (2) efektivitas pembelajaran terlihat dari kemampuan santri dalam membaca, memahami, dan menjelaskan isi kitab turats, serta meningkatnya keterlibatan aktif santri dalam proses pembelajaran. Selain itu, keberhasilan pembelajaran didukung oleh peran Kyai/Ustadz, lingkungan pesantren, serta motivasi santri, meskipun terdapat kendala seperti perbedaan kemampuan santri dan keterbatasan variasi metode pembelajaran. Berdasarkan hasil penelitian dapat disimpulkan bahwa pembelajaran kitab turats di Pondok Pesantren Salafiyah Parappe berlangsung secara efektif dalam mendukung pencapaian tujuan pendidikan pesantren. Efektivitas tersebut terlihat dari kemampuan santri dalam membaca kitab turats, memahami kandungan materi, serta menjelaskan isi kitab sesuai dengan tingkatannya. Keberhasilan ini turut diperkuat oleh prestasi santri dalam berbagai ajang keilmuan, seperti Musabaqah Qira’atil Kutub (MQK), serta keterlibatan alumni dalam kegiatan pengajaran di berbagai pesantren dan lingkungan sosial di masyarakat. Dengan demikian, pembelajaran kitab turats di Pondok Pesantren Salafiyah Parappe tidak hanya menghasilkan capaian kognitif, tetapi juga membentuk aspek afektif dan keterampilan santri, sehingga menjadi bagian penting dalam menjaga tradisi intelektual dan keberlanjutan pendidikan pesantren.
Co-Authors ., Subaedah A, Nurfadila Abdillah, Ikram Abdul Karim, Bisyri Abdul Qahar Zainal Abu Baedah, Said Syafuddin Ahmad Ahmad Ahmad Ahmad Hakim Akhmad Bazith Akil, M Al-Abrar, Muh. Alfisyahri, Alfisyahri Algazali, Muhammad Alwi, Auliah Alya Wijaya Andi Darmawangsa Andi Herawati Andi Sumardin Anhar, Natasya Wilda Ansar Ansar Arsyad, Yusri M Arsyad, Yusri Muhammad Arvilla Maulana Putra AS, Nurul Hikmah Aulia Ananda Aulia Ramadhani Auliah Alwi Bahrur Rahman Hasba Bazith, Ahmad Bazith, Akhmad Bunyamin, Andi Citra, Winny Darmawangsa , Andi Darmawangsa, Andi Elena Mariantika Fajriani, Nur Fathur Rahman H, Hasibuddin H.M Hasibuddin Mahmud Haerunnisyah, Nahda Hafid, Ekaradiah Haruna R, Nur Nilam Sari Hasibuddin Hasibuddin Mahmud Hasibuddin, M Hasibuddin, M. Hasriani, Andi Hendrik Setiawan, Hendrik Hidayat, Fahriza Iga kusni Ikmal, Ikmal Indarwati, Yayu Jamaluddin Jamaluddin Jamaluddin Karim, Bishri Abdul Khairil Fajri Rahim, Muh Lukmana, Annisa Aulia M. Akil, M. M. Hasibuddin M. Hasibuddin Mahmud MARTINI Maryam Ismail Mohammad Yusuf Iskandarsyah Muh. Arif Muh. Ilyas Umar Muh. Shadiq Al Sabri Muhaimin Muhaimin Muhammad Abrar Muhammad Akil Mujahid Alimuddin, Ahmad Nasir, Ibnu Mundzir Nengsi, Ratika Nirza Delwi Nur Setiawati Nurfarida Hamid Nurhadiana Salwah Aris Y Nurul Fitri Hardiyanti Pawe, Nunung Indrawati Pebrianto, Reza Putri, Fakhira Parmana Rachana, Syarifa Raehana, Syarifa Reski Amalia Reskyani, Nur Rismaya Rismaya Riswana Ruslan Rosmiati Ruslan Wahab S, Ansar. Saleh, Muh Salman Alparizi Samsuddin Kade Sari, Nur Anggun Sinta Kasim Subaedah Subaedah Subaedah Subaedah, Subaedah Sudirman, Putri Surani Syafei, Achmad Syafril Syahid, Akhmad Syamsinar Syamsinar Syarifah Raehana Syarifah Raehana Syarifuddin, Said Syawal, Nur Tahir, Ilyas Tri Wulandari. M Triani, Wanda Wahyudi, Audra Anandira Wahyudin Wahyudin Wana Ikhwana Wulandari, Astrika Yanti, Rahma Yusri Muhammad Arsyad Zainal Rumodar Zainal, Abdul Qahar Zul Arsil Majid