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All Journal Jurnal Ekonomi dan Kewirausahaan Kreatif Journal of Industrial and Syariah Economics Journal of Islamic Finance and Syariah Banking Journal of Innovation and Contribution to Community Service
Ilmiyah, Izzatul
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Religion Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Fatwa DSN-MUI No. 73/DSN-MUI/XI/2008 tentang Musyarakah Mutanaqisah Najib, M. Thoha Ainun; Ilmiyah, Izzatul
Journal of Industrial and Syariah Economics Vol. 3 No. 1 (2025): October
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v3i1.132

Abstract

The Murabahah contract, which has long been widely used by Islamic banking institutions to realize their financing functions, has shown several weaknesses, despite being a relatively certain and simple mode to implement. Such certainty, however, becomes a drawback for banks when the banking industry, including Islamic banks, must adjust the amount of credit payments made by customers in accordance with prevailing interest-based models within Islamic banking systems. The objective of this study is to analyze the legal foundations, rationality, and relevance of implementing the Musyarakah Mutanaqisah contract as a solution to the weaknesses of the Murabahan contract in modern Islamic financing. The research methodology employed in this study is library research, which involves examining various primary and secondary sources such as the fatwas of the National Sharia Council og the Indonesian Ulema Council (DSN-MUI), opinions of classical scholars related to partnership-based financing. The findings of this study indicate that the ijtihad of DSN-MUI in formulating the fatwa on Musyarakah Mutanaqisah is strongly supported by both naqli arguments and the views of previous scholars. Although Musyarakah Mutanaqisah represents a new form of business partnership, the application of a hybrid contract approach can serve as an innovative solution for Islamic banking, providing both convenience and fairness for customers
Implementasi Akad Mudharabah pada Produk Simpanan Hewan Qurban Abdilah, Ulil Absor Faiq; Mustofa, Mustofa; Ilmiyah, Izzatul
Journal of Industrial and Syariah Economics Vol. 3 No. 1 (2025): October
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v3i1.133

Abstract

Although conceptually, the mudharabah contract emphasizes business cooperation between the fund owner (shahibul maal) and the fund manager (mudharib), in practice, there are still discrepancies between theory and its implementation in the field. This study aims to analyze the implementation of the mudharabah contract in the SiMudaQu product and to assess its level of compliance with Sharia principles and the DSN-MUI fatwa. The research methodology used in this study is descriptive qualitative research with a field research approach. Data collection techniques were employed through in-depth interviews, direct observation, and documentation studies involving BMT managers and members who utilize the SiMudaQu product. The data obtained were analyzed using a descriptive qualitative analysis method by comparing the practices in the field with the theory of fiqh muamalah and the provisions contained in DSN-MUI Fatwa No. 07/DSN-MUI/IV/2000 concerning Mudharabah (Qiradh) Financing. The results show that the implementation of the mudharabah contract in the SiMudaQu product is not fully in accordance with the theory of fiqh muamalah. Administratively, the BMT has used the mudharabah contract through the signing of documents and the establishment of a ratio of 40% for members and 60% for the BMT. However, the savings funds are not managed productively, as is characteristic of a true mudharabah. This practice indicates that the contract used is still formal and administrative in nature and does not reflect the principles of partnership and justice as stipulated in the DSN-MUI fatwa No. 07/DSN-MUI/IV/2000. Therefore, a review of the application of the contract in the SiMudaQu product is necessary to ensure its compliance with sharia principles and the values ​​of maqāṣid al-syarī‘ah.
Pemberdayaan Ekonomi Perempuan melalui Pelatihan Kewirausahaan Pembuatan Batik Desa di Desa Sendang Senori Rosida, Ika Nazilatur; Ilmiyah, Izzatul; Patih, Husnama
Journal of Innovation and Contribution to Community Service Vol. 1 No. 1 (2025): January
Publisher : STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jiccs.v1i1.61

Abstract

The Community Service Team of the Islamic Economics Study Program of the Senori Islamic College of Tuban employs this community service. The stages carried out include: planning, survey, preparation, implementation, monitoring, and evaluating. Community service aims to realize the goals of the national economic and welfare system to be evenly distributed, just, and sustainable through women's participation in women's empowerment activities in MSME batik-making activities in Sendang Senori Village, Tuban. The approach used is Asset Based on Community Development (ABCD), participants are directly involved in discussions and batik-making entrepreneurial activities. Data analysis used in this study is through data collection, and reduction, then the data is presented in the form of a report and conclusions are drawn. The data validation technique used is the primary and secondary data triangulation approach. The results of community service show that women's batik-making entrepreneurial activities in Sendang Village can increase family welfare and income, but further assistance is also needed regarding financial management, marketing, and product distribution.
Pendampingan Minat Baca Anak melalui Pengoptimalan Rumah Ilmu di Desa Sambirejo Kecamatan Jiwan Kabupaten Madiun Ilmiyah, Izzatul; Rosida, Ika Nazilatur; Muzakki, Ahmad; Leo P, Dhika
Journal of Innovation and Contribution to Community Service Vol. 1 No. 2 (2025): July
Publisher : STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jiccs.v1i2.100

Abstract

Reading interest is one of the important indicators in improving the quality of human resources from an early age. However, the reality in the field shows that children's literacy culture, especially in rural areas such as Sambirejo Village, Jiwan District, Madiun Regency, is still relatively low. This community service activity aims to foster and develop children's reading interest by optimizing the function of Rumah Ilmu as a community-based literacy center. The approach used is Asset-Based Community Development (ABCD), which is a community empowerment approach that focuses on local strengths and potential. Activities are carried out through five main stages: discovery (identification of assets), dream (formulation of community expectations), design (action planning), define (program implementation), and destiny (evaluation and sustainability). The results of the activity show that strengthening the function of Rumah Ilmu is able to increase children's participation in routine reading activities, encourage community involvement, and create an inclusive and sustainable literacy space. The relocation of Rumah Ilmu to a more strategic location and a creative and fun mentoring approach are the keys to the success of this activity. With the support of local volunteers and active participation of residents, Rumah Ilmu has succeeded in becoming an agent of change in building a culture of literacy from an early age
Co-Authors Abdilah, Ulil Absor Faiq Abdul Muiz Ahmad Muzakki Istingadah, Istingadah Leo P, Dhika Mujib, Muhamad mujib, muhammad abdul Mustofa Mustofa Najib, M. Thoha Ainun Patih, Husnama Rosida, Ika Nazilatur Rosyidah, Irma Zainab Zaman, Badaruz