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Rajindra
Universitas Muhammadiyah Palu
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The Application of the Murabaha Contract in Sharia Financing: A Sharia Economic Law Perspective Rajindra; 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; 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; 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.
Field Test of Clove Oil (Syzigium aromaticum) as Biolarvacide Against Mosquito Lavrae Budiman, Budiman; Sri Jumiyati; Hamidah, Hamidah; Puput, Puput; Rajindra, Rajindra; Miswan, Miswan
Journal of Public Health and Pharmacy Vol. 6 No. 1: MARCH 2026
Publisher : Pusat Pengembangan Teknologi Informasi dan Jurnal Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jphp.v6i3.6236

Abstract

Introduction: The vector control that should be carried out today is biological control made from natural ingredients to reduce the negative impacts of the use of chemicals. Therefore, this research aims to examine the ability of residual oil from clove leaves (Syzigium aromaticum) to kill the larvae of the mosquito through field tests. Methods: This research uses experimental methods carried out in the field. This investigation is a follow-up investigation based on laboratory test results. This research uses test larvae obtained directly from the field without going through the breeding process in the laboratory. This research used the concentration of clover leaf (Syzigium aromaticum) residual oil that was adopted from laboratory test results, that is, a concentration of 0.006%; 0.007%; 0.008%; 0.009% and 0.01%. This research uses guidelines from the WHO Guidelines testing standards. Results: The results of this research show that waste oil from clove leaves (Syzigium aromaticum) is capable of killing mosquito larvae in field tests. For Aedes aegyipti larvae, the concentration that is effective in killing larvae starts from a concentration of 0.008%-0.01%, while in tests with Culex sp and Anopheles sp larvae, leaf waste oil Clove (Syzigium aromaticum) is effective in killing larvae at all. concentrations (0.006-0.01%). The implications and significance of this research show that clove leaf (Syzigium aromaticum) waste oil has proven to be effective as a base for developing natural and economical larvicidal products and can support government programs to eradicate diseases such as dengue, malaria and chikungunya, which are caused by mosquito vectors Conclusion: Waste oil from clove leaves (Syzigium aromaticum) can be used as an alternative ingredient to kill Aedes aegypti, Culex sp and Anopheles sp mosquito larvae in field tests.
Co-Authors Abd. Kadir, Haris Abdul Rahman Abdul Rahman Akkas, Nasrulhak Ali Supriadi Andi Lukman Andi Mattulada Amir Anggraeni, Rasmi Nur Anjung Budi Cahyono Azwar A Budiman Budiman 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 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 K Djawa, Sutrisno Kadir, Haris Abd Kadir, Haris Abd. Kadir, Haris Abdul Kaifar Kalape, Dian Anggriani Kamsur, Ahmad LAYOO, NURHIDAYAH 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 Nur Anggraeni, Rasmi 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 Rukhayati Rukhayati, Rukhayati Salmiati Santi Budiman Sarifuddin T. Selvi Marcellia Sirajudin Sirajudin Sirajudin Sirajudin Sirajudin Sirajudin Sri Haryani Sri Haryani Sri Jumiyati St. Muslimat Hatta Sukran Sukran, Sukran Syaifullah, Muhammad Rahul Syamsuddin Syaripudin N. Samsudin T, Sarifuddin. Tobroni Tobroni Ulfa Wahba Wahba, Wahba Wardoyo, Fera Setiyo Widiawaty, Inggriany Novita Yusuf, Dicky