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The Application of the Murabaha Contract in Sharia Financing: A Sharia Economic Law Perspective Rajindra, Rajindra; Syamsuddin, Syamsuddin
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 1: January 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i1.9350

Abstract

This article examines the application of the Murabaha contract as one of the most widely used financing instruments in Islamic financial institutions. Through a normative juridical approach, the study analyzes the legal foundations, implementation mechanisms, and compliance of Murabaha practices with the principles of Sharia Economic Law. The discussion highlights key aspects such as transparency in cost disclosure, the requirement of asset ownership by the financing institution, and the prohibition of speculative or interest-based elements. The findings indicate that, when implemented according to established Sharia guidelines, the Murabaha contract serves as an effective, fair, and sharia-compliant financing model that supports economic activities while promoting ethical financial interactions. This study also identifies common challenges in practice, including issues of documentation, risk allocation, and deviations from ideal Sharia procedures, and offers recommendations for strengthening regulatory oversight and institutional governance.
A Legal Study on the Mechanism for Resolving Sharia Economic Disputes in the Religious Court Rajindra, Rajindra; Fatma, Fatma
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 2: April 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i2.9351

Abstract

This study examines the legal framework and procedural mechanisms for resolving Sharia economic disputes within the Indonesian Religious Court system. As the growth of Islamic finance continues to increase, the number and complexity of disputes related to Sharia-based contracts, financing schemes, and commercial agreements have also risen. This research aims to analyze the principles, legal foundations, and procedural stages used by Religious Courts in handling such disputes. Using a normative juridical approach supported by statutory, conceptual, and case-based analyses, the study explores how judges interpret Sharia principles alongside national law, the effectiveness of dispute resolution procedures, and the extent to which decisions reflect justice and legal certainty for the parties involved. The findings indicate that although the legal basis for Sharia economic dispute resolution is well-established, several challenges remain, including varying interpretations of Sharia, limited expert involvement, and procedural inefficiencies. Strengthening legal harmonization and improving judicial competence are essential for achieving a more effective and equitable dispute resolution system.
Consumer Protection in Sharia Financial Products: A Review from the Perspective of Sharia Economic Law Rajindra, Rajindra; Muthmainnah MD
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 3: July 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i3.9353

Abstract

Consumer protection in Sharia financial products is an essential aspect of ensuring fairness, transparency, and legal certainty within the Islamic economic system. This study examines the principles, mechanisms, and legal frameworks governing consumer protection from the perspective of Sharia economic law. Using a normative legal research approach, the analysis focuses on key Sharia principles such as justice (al-‘adl), transparency (al-shaf?fiyyah), and the prohibition of deceptive practices (gharar and tadlis). The findings reveal that Sharia economic law provides a comprehensive foundation for consumer protection through contractual requirements, ethical guidelines, and dispute resolution mechanisms based on Islamic legal traditions. The study also highlights the importance of regulatory reinforcement and institutional supervision to ensure that Sharia financial institutions uphold consumer rights. Strengthening legal instruments and increasing public awareness are recommended to enhance consumer trust and support the growth of the Sharia financial industry.
Evaluasi Program Pemberantasan Chistosomiasis di Kecamatan Lore Utara Kabupaten Poso Wati Gae, Helvie Etma; Rajindra; Tasya, Zhanaz
Jurnal Impresi Indonesia Vol. 5 No. 4 (2026): Jurnal Impresi Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jii.v5i4.7667

Abstract

Schistosomiasis masih menjadi masalah kesehatan masyarakat di Kecamatan Lore Utara, Kabupaten Poso, Sulawesi Tengah, sehingga diperlukan evaluasi terhadap pelaksanaan program pemberantasannya. Penelitian ini bertujuan untuk mengevaluasi program pemberantasan Schistosomiasis di Kecamatan Lore Utara dengan meninjau aspek input, proses, dan output pelaksanaan program. Penelitian ini menggunakan desain penelitian evaluatif dengan pendekatan kualitatif. Pengumpulan data dilakukan melalui wawancara mendalam, Fokus Group Disccusin, observasi lapangan, dan telaah dokumen terhadap pemangku kepentingan terkait, meliputi Dinas Kesehatan, Puskesmas, pemerintah kecamatan dan desa, serta sektor terkait lainnya. Analisis data dilakukan secara tematik untuk menggambarkan kesesuaian antara perencanaan dan implementasi program di lapangan. Hasil penelitian menunjukkan bahwa pada aspek input, program telah didukung oleh kebijakan, sumber daya manusia, dan pendanaan, namun masih terdapat keterbatasan sarana prasarana dan distribusi sumber daya. Pada aspek proses, pelaksanaan kegiatan surveilans, pengobatan massal, dan pengendalian keong telah berjalan, tetapi belum optimal akibat kendala koordinasi lintas sektor, partisipasi masyarakat, dan kondisi geografis wilayah. Pada aspek output, terjadi penurunan prevalensi kasus Schistosomiasis, namun target eliminasi belum sepenuhnya tercapai. Kesimpulan penelitian ini menunjukkan bahwa program pemberantasan Schistosomiasis di Kecamatan Lore Utara telah berjalan namun masih memerlukan penguatan pada aspek perencanaan, koordinasi lintas sektor, dan pemberdayaan masyarakat. Rekomendasi penelitian ini diharapkan dapat menjadi bahan pertimbangan bagi pemerintah daerah dan pemangku kepentingan dalam meningkatkan efektivitas dan keberlanjutan program pemberantasan Schistosomiasis menuju eliminasi.
Analysis of Determinants of Public Health Service Utilization in the Working Area of the West Ampana Health Center, Tojo Una-Una Regency Amita, Tri Mayang; Rajindra, Rajindra; Amalinda, Finta
Jurnal KESANS : Kesehatan dan Sains Vol 5 No 8 (2026): KESANS: International Journal of Health and Science
Publisher : Rifa'Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54543/kesans.v5i8.631

Abstract

Introduction: Low utilisation of public healthcare services remains a persistent challenge influenced by multiple individual and environmental factors. The Community Health Centre (Puskesmas), as a primary healthcare facility, plays a critical role in improving community health status. Key determinants such as accessibility, culture, family support, and perceptions of illness and services are considered central to understanding patterns of healthcare utilisation. Objective: This study aims to identify and analyse the determinants of public healthcare service utilisation in the working area of the West Ampana Community Health Centre, Tojo Una-Una Regency. Method: A quantitative analytical approach was employed involving 99 respondents selected using Slovin's formula. Data were collected through structured questionnaires and analysed using univariate, bivariate, and multivariate analysis with SPSS. Results and Discussion: Significant relationships were found between accessibility, culture, family support, perceptions of illness and services, and healthcare utilisation (p < 0.005). Multivariate analysis revealed that accessibility and culture were the most dominant influencing factors, indicating that structural and sociocultural barriers substantially limit community engagement with available health services. Conclusion: Healthcare service utilisation is shaped by accessibility, culture, family support, and perceptions of illness and services. Improving culturally sensitive approaches and health education by healthcare workers are essential strategies to enhance service utilisation and optimise primary healthcare engagement at the community level
Analisis Pengelolaan Obatd dan Bahan Medis Habis Pakai (BMHP) Farmasi Terhadap Utang Obat Dan BMHP di Rumah Sakit Umum Daerah Poso Yudistira R; Rajindra; Ahmad Yani
Lambda: Jurnal Ilmiah Pendidikan MIPA dan Aplikasinya Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/lambda.v6i1.2850

Abstract

Penelitian ini bertujuan untuk menganalisis pengelolaan obat dan bahan medis habis pakai (BMHP) farmasi terhadap utang obat dan BMHP di RSUD Poso. Pengelolaan obat yang tidak optimal dapat berdampak pada peningkatan utang rumah sakit, sehingga diperlukan evaluasi terhadap setiap tahapan manajemen farmasi yang meliputi perencanaan, pengadaan, pencatatan, dan klaim. Penelitian ini menggunakan pendekatan kuantitatif dengan desain cross-sectional. Populasi dalam penelitian ini adalah tenaga yang terlibat dalam pengelolaan farmasi di RSUD Poso, dengan teknik pengambilan sampel menggunakan total sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan analisis univariat dan bivariat. Hasil penelitian menunjukkan bahwa terdapat hubungan antara pengelolaan obat dan BMHP dengan utang obat dan BMHP di RSUD Poso. Variabel perencanaan, pengadaan, pencatatan, dan klaim memiliki peran dalam mempengaruhi terjadinya utang. Pengelolaan yang kurang optimal pada salah satu tahap dapat menyebabkan ketidakseimbangan antara kebutuhan dan ketersediaan, serta keterlambatan pembayaran. Kesimpulan penelitian ini adalah bahwa pengelolaan obat dan BMHP yang efektif dan efisien sangat penting dalam mengendalikan utang rumah sakit. Oleh karena itu, diperlukan peningkatan sistem manajemen farmasi, penguatan perencanaan, serta pengawasan dalam proses pengadaan dan klaim untuk meminimalkan utang obat dan BMHP.
Implementasi Program Usaha Kesehatan Gigi Sekolah pada Siswa Sekolah Dasar Diwilayah Kerja Puskesmas Tagolu Victres Bangkeno; Rajindra; Zhanaz Tasya
Lambda: Jurnal Ilmiah Pendidikan MIPA dan Aplikasinya Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/lambda.v6i1.2853

Abstract

Kesehatan gigi dan mulut merupakan bagian penting dari kesehatan umum yang mempengaruhi kualitas hidup anak. Survei Kesehatan Indonesia tahun 2023 menunjukkan bahwa 56,9% penduduk usia ?3 tahun mengalami masalah kesehatan gigi dan mulut, sementara pemanfaatan layanan kesehatan gigi masih relatif rendah. Kondisi ini menunjukkan bahwa upaya promotif dan preventif dalam pemeliharaan kesehatan gigi anak masih belum optimal. Program Usaha Kesehatan Gigi Sekolah (UKGS) merupakan salah satu strategi pemerintah untuk meningkatkan kesehatan gigi anak melalui kegiatan edukasi, pemeriksaan kesehatan gigi, dan pembiasaan perilaku hidup bersih dan sehat di sekolah. Penelitian ini bertujuan untuk menganalisis implementasi program UKGS pada siswa sekolah dasar di wilayah kerja Puskesmas Tagolu.Penelitian ini menggunakan pendekatan kualitatif dengan desain deskriptif. Informan penelitian terdiri dari petugas kesehatan, guru, orang tua, dan siswa sekolah dasar yang terlibat dalam pelaksanaan UKGS. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi, kemudian dianalisis menggunakan analisis tematik melalui proses reduksi data, penyajian data, dan penarikan kesimpulan.Hasil penelitian menunjukkan bahwa implementasi UKGS dilakukan melalui kegiatan penyuluhan kesehatan gigi, pemeriksaan gigi berkala, serta pembiasaan menyikat gigi di sekolah. Tenaga kesehatan berperan dalam edukasi dan pemeriksaan gigi, guru berperan sebagai fasilitator dan pengingat kebiasaan menjaga kesehatan gigi, sedangkan orang tua berperan dalam pengawasan dan dukungan perilaku kesehatan gigi anak di rumah. Namun, pelaksanaan program masih menghadapi kendala berupa keterbatasan kunjungan tenaga kesehatan, sarana pendukung yang terbatas, serta koordinasi lintas sektor yang belum optimal. Penelitian ini menyimpulkan bahwa keberhasilan implementasi UKGS sangat dipengaruhi oleh kolaborasi antara tenaga kesehatan, guru, dan orang tua dalam membentuk perilaku pemeliharaan kesehatan gigi siswa.
Strengthening Financial Accountability in Faith-Based Public Services: Lessons from Mosque Governance in Indonesia Anggraeni, Rasmi Nur; Amir, Andi Mattulada; Rajindra, Rajindra; Septiana, Nani; Praditha, Riza
Jurnal Aplikasi Manajemen Vol. 24 No. 1 (2026)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

Abstract

Mosques are important in controlling the community finances. Nevertheless, they do not always go smoothly, and these problems include the absence of transparency in reporting, uneven or unstructured record-keeping, and disorganized financial reports. This may result in the erosion of the popular belief, should this be maintained, and this would have an impact on the stability of the mosque. The study being conducted will attempt to establish the relationship between the management of mosques and financial transparency and accountability. In addition, the case study was performed qualitatively in the Donggala Grand Mosque, Central Sulawesi, between March and June 2024. The respondents were seven people who described how they handle mosque finances on a day-to-day basis: two administrators of the mosque, one treasurer, and four active congregants. The semi-structured interviews, direct observation of mosque activities, and analysis of available financial reports were used in the collection of data. The results indicate that frequent review of financial reports accompanied by simple cash flow records can lead to an improved understanding of the people in the congregation about their financial data. This will also serve in establishing a donor confidence and make it easier to manage mosque fund accountability as per the needs of the community. Finally, this study demonstrates that Islamic principles of ethical behavior and proper financial management may result in the improved management of mosques and make them open and responsible. Besides this, this study further enhances the role played by stakeholders like the policymakers, the Islamic philanthropic institutions, and the administrators of mosques to know how they can improve their financial management in the future.
Financial Performance and Profitability as Determinants of Stock Prices in Indonesia Guasmin Guasmin; Burhanuddin Burhanuddin; Rajindra Rajindra
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 3 (2026): JIMKES Edisi Mei 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i3.4896

Abstract

This study aims to examine the effect of financial performance on stock prices in manufacturing companies within the consumer goods subsector in Indonesia during the 2020–2024 period, with return on assets as a mediating variable. Financial performance is measured using the current ratio, the debt-to-equity ratio, and the total asset turnover. Secondary data were collected from annual reports, financial statements, and historical stock prices, and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that the current ratio and total asset turnover have a significant positive effect on profitability, while the debt-to-equity ratio has a significant negative effect. Profitability also has a significant positive effect on stock prices. The direct effect analysis shows that current ratio and total asset turnover significantly increase stock prices, whereas the debt-to-equity ratio is not significant. The indirect effect analysis shows that profitability partially mediates the influence of current ratio and total asset turnover on stock prices and fully mediates the negative influence of debt-to-equity ratio on stock prices. The findings highlight profitability as a crucial link between financial performance and stock price movements, offering strategic guidance for investment and financial policy decisions in dynamic economic conditions.
Co-Authors Abd. Kadir, Haris Abdul Rahman Abdul Rahman Ahmad Yani Akkas, Nasrulhak Ali Supriadi Amir, Andi Mattulada Amita, Tri Mayang Andi Lukman Andi Mattulada Amir Anggraeni, Rasmi Nur Anjung Budi Cahyono Azwar A Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Cahyono, Anjung Budi Damara, Ema Dian Dewi Sinta Dian Anggriani Kalape Dirwan Dirwan Dirwan Dirwan Dirwan Dirwan Eka Firmansyah Ema Dian Damara Ernawati, Ni Wayan Fadli , Nazar Fahrun, Moh Farid Farid Farid Farid, Farid Fatma Fauzi Abdhi Prasetya Febrianti, Dasa Fera Setiyo Wardoyo Finta Amalinda Guasmin Guasmin Guasmin Hajar Anna Hamidah . Haris Abd Kadir Haris Abd Kadir Hasmawati Hasmawati Hasnawati Hasnawati Hasnawati Hasnawati Hastuti Hastuti Hastuti Hastuti Haziza Hazizah Hazizah Hazizah, Hazizah Hery Widijanto I Made Suar Yaso Inggriany Novita Widiawaty Ismail Suardi Wekke Isnada Waris Tasrim Jasmin Julis Nurpadia Kadir, Haris Abd Kadir, Haris Abd. Kadir, Haris Abdul Kaifar Kalape, Dian Anggriani Kamsur, Ahmad Lukman, Andi Mande, Henni Mardiah Mardiah Mardiah Mardiah Marwana, Marwana Marwana, Marwana Mattulada, Andi Mayangsari, Nimas Shanty Miswan Miswan Moh Fahrun Muh. Irfan Muh. Irfan Muhammad Rasyid Ridoh Muhammad. Fadli Muthmainnah MD Mutmainnah Mutmainnah Mutmainnah Mutmainnah Ni Wayan Ernawati Ni Wayan Ernawati Nimas Shanty Mayangsari Nurdiana Pratiwi Nurivana Nurivana Nurivana, Nurivana Nursiah Nursiah Nursiah, Nursiah Nursyamsi Prasetya, Fauzi Abdhi Puput, Puput Raden Mohamad Herdian Bhakti Rahmiwati Habibu Rasmi Nur Anggraeni Rezki Rezki Riza Praditha Rukhayati, Rukhayati Salmiati Santi Budiman Sarifuddin T. Selvi Marcellia Septiana, Nani Sirajudin Sirajudin Sirajudin Sirajudin Sirajudin Sirajudin Sri Haryani Sri Haryani Sri Jumiyati St. Muslimat Hatta Sukran Sukran, Sukran Syaifullah, Muhammad Rahul Syamsuddin Syamsuddin Syaripudin N. Samsudin T, Sarifuddin. Tobroni Tobroni Victres Bangkeno Wahba Wahba, Wahba Wardoyo, Fera Setiyo Wati Gae, Helvie Etma Widiawaty, Inggriany Novita Windy Yudistira R Yusuf, Dicky Zhanaz Tasya