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All Journal AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Jurnal Geuthee Jurnal Aksioma Al-Musaqoh AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Journal of Islamic Economics and Finance Equivalent : Journal of Economic, Accounting and Management Jurnal Pajak dan Analisis Ekonomi Syariah Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi Malik Al-Shalih
Husni Kamal
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Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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POLA PENYELESAIAN SENGKETA DALAM RUMAH TANGGA MELALUI PERADILAN ADAT GAMPONG DI ACEH Muhammad Iqbal; Azhari Yahya; Husni Kamal
Jurnal Geuthèë: Penelitian Multidisiplin Vol 3, No 1 (2020): Jurnal Geuthee : Penelitian Multidisiplin
Publisher : Geuthèë Institute, Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (465.04 KB) | DOI: 10.52626/jg.v3i1.72

Abstract

Surat An-Nisa ayat 35 menyatakan bahwa satu tahapan penyelesaian sengketa (rumah tangga) haruslah mengutuskan seorang hakam (juru damai) dengan tujuan agar permasalahan mencari sumber masalah diantara keduanya dan kemudian mendamaikan kembali keduanya. Penjelmaan ayat tersebut tercermin dalam prilaku masyarakat adat Aceh dimana dalam penyelesaian permasalahan cek-cok (perselisihan ringan) dalam rumah tangga diselesaikan melalui peradilan adat dengan harapan para pihak yang bersengketa bisa saling memaafkan, rukun, damai dan tidak lagi mengulagi kesalahan yang sama.
INFLUENCE OF MOBILE BANKING SERVICE THE NUMBER OF CUSTOMERS BANK ACEH ISLAMIC KCP BATUPHAT, LHOKSEUMAWE Fitriyani, Ema; Husni Kamal; Mukhtasar
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 5 No. 2 (2023): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v5i2.1946

Abstract

This research aims to determine and analyze whether there is influence of mobile banking services on the number of customers of Bank Aceh Syariah KCP Batuphat. In this study using primary data obtained from distributing questionnaires, where the population in this study was 997 mobile banking action users, the data was obtained from Bank Aceh Syariah KCP Batuphat. The samples in this study were 90 mobile banking action users. The data used accidental sampling technique, which tested using validity test, reliability test, classic assumption test, multiple determination test (R2), partial test, simultaneous test, simple regression test. As for the results of testing the hypothesis in this study, namely, the partial test results show a t-count value of 6,907 > t-table (1,987) and a significant value of 0,000 <0.05 so that mobile banking services have a positive and significant effect on the number of customers. The results of the multiple determination test (R2) show that the value of R2 is 0.569, meaning that the contribution of mobile banking services to the variable number of customers is 56.5%. The results of simple linear regression show that there is an effect of mobile banking services on the number of customers with a value of 0.149 or 14.9%.
ANALISA PERBANDINGAN KINERJA PERBANKAN SYARIAH DAN KONVENSIONAL PRA DAN PASCA COVID-19 Nasution, Muhammad Syafril; Husni Kamal
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 13 No. 1 (2021): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v13i1.470

Abstract

The Purpose of this study is to compare the differences between the development of Islamic banking performance and conventional banking performance in the previous few months before and after the covid-19 pandemic. this analysis contrasts the finding of previpus studies with the two formas of banking that were not related to the covid pandemic in the preceding year. Multiple financial ratios were used in previous studies to determine the financial efficiency of banks. Based on previous research, there are several ratios used to see the performance of both Islamic banking and conventional banking, including liquitdy ratios, profitability ratios, solvency ratios, and efficiency ratios.
Implementasi Manajemen Syariah Pada Baitul Mal Gampong di Aceh Husni Kamal
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 15 No. 1 (2023): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v15i1.1726

Abstract

Islam mengatur segala lini kehidupan manusia termasuk dalam mengelola organisasi yang terdapat dalam ilmu manajemen Syariah dimana mengandung tidak bebas nilai karena manajemen syariah tidak hanya berorientasi untuk kehidupan dunia saja melainkan juga orientasi pada kehidupan di akhirat. Tulisan ini bertujuan untuk menganalisis implementasi manajemen Syariah pada Baitul Mal Gampong di Aceh. Metode penelitian yang digunakan kualitatif dengan data sekunder seperti Undang-undang, Qanun, buku, jurnal dan website yang berkaitan. Hasil penelitian ini bahwa implementasi empat fungsi manajemen Syariah perencanaan, pengorganisasian, penggerakan dan pengawasan sangat diperlukan dalam mengelola Baitul Mal Gampong untuk pertumbuhan ekonomi gampong yang mandiri dan memberdayakan sumber daya yang dimiliki agar berdampak pada penurunan angka kemiskinan di Aceh.
SOSIALISASI KOMUNIKASI PEMASARAN SEBAGAI UPAYA PENINGKATAN PENJUALAN TERNAK IKAN LELE Khalish Khairina; Mukhtasar; Ainun Mardhiah; Husni Kamal; Angga Syahputra; Uswatun Hasanah
Malik Al-Shalih : Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2022): Malik Al-Shalih: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/malikalshalih.v1i1.668

Abstract

The conventional marketing system which still distributes their product from mouth to mouth and social medial using hasn’t maximized yet were problems that found in livestock business owned by Desa Uteunkot is contributing this community services activities. The purpose of this activity is educating mitra about the importance of marketing communication to reach out more consumer. The implementation method used is socialization to the society in Desa Uteunkot. The number of this socialization participants was 25 participants. After this community service implementation, there is an increase in catfish sales volume in the amount of 11%.
Prosedur Pembiayaan Cicil Emas pada Bank Syariah Indonesia (BSI) : Kajian Mekanisme dan Implementasinya Eva Simah Bengi; Yolanda Salsabila Balkis; Rapika Dewi; Gadis Ananda .S.; Husni kamal
Equivalent : Journal of Economic, Accounting and Management Vol. 3 No. 2 (2025): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v3i2.1055

Abstract

Abstract : This study aims to examine the procedures of gold installment financing at Bank Syariah Indonesia (BSI) and evaluate its compliance with Islamic economic principles. The gold installment product is a form of Islamic financing that allows customers to gradually own gold through murabahah (cost-plus sale) and rahn (collateral) contracts. This research employs a descriptive qualitative method using a library research approach, based on literature sources such as academic journals, books, OJK regulations, and fatwas issued by the National Sharia Council (DSN-MUI). The findings show that BSI implements a structured financing procedure, from application to repayment, with contracts ensuring the transaction is free from riba (usury) and in accordance with sharia guidelines. The scheme emphasizes transparency, fixed pricing, and gold security through a safekeeping system. However, public understanding of this concept remains limited, often resulting in misconceptions about Islamic installment systems. Therefore, improving Islamic financial literacy is crucial to optimizing the use of such products. This study is expected to contribute to the development of a fair, transparent, and sustainable Islamic financial system. Abstrak : Penelitian ini bertujuan untuk mengkaji prosedur pembiayaan cicil emas pada Bank Syariah Indonesia (BSI) serta menilai kesesuaiannya dengan prinsip-prinsip ekonomi Islam. Produk cicil emas merupakan salah satu inovasi pembiayaan syariah yang memungkinkan nasabah memiliki emas secara bertahap melalui akad murabahah dan rahn. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan pendekatan studi kepustakaan (library research), yang didasarkan pada sumber-sumber literatur seperti jurnal, buku ilmiah, regulasi OJK, serta fatwa DSN-MUI. Hasil penelitian menunjukkan bahwa prosedur pembiayaan cicil emas BSI dilakukan secara sistematis, dimulai dari pengajuan hingga pelunasan, dengan akad yang menjamin transaksi bebas dari unsur riba dan sesuai dengan ketentuan syariah. Skema ini juga mengedepankan transparansi, kepastian harga, serta keamanan emas melalui sistem penitipan. Meskipun demikian, pemahaman masyarakat terhadap konsep ini masih terbatas, yang menyebabkan persepsi keliru terhadap sistem cicilan syariah. Oleh karena itu, peningkatan literasi keuangan syariah menjadi kunci dalam mengoptimalkan pemanfaatan produk ini. Kajian ini diharapkan memberikan kontribusi bagi pengembangan sistem keuangan syariah yang adil, transparan, dan berkelanjutan.
Inovasi Akad Musyarakah dalam Perbankan Syariah: Perspektif Hadits dan Relevansinya dengan Praktik Modern M. Rafly Febryansyah; Khairiyah Fikri Azzahra; Akmalul Hajja; Rukaini Rukaini; Husni Kamal
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 4 (2025): Juli: Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i4.1263

Abstract

This study aims to determine the innovation of musyarakah contracts in Islamic Banking, Hadith Perspective and its Relevance to Modern Practices. This study uses a descriptive qualitative method through a literature study method, with secondary data in the form of the Qur'an, hadith, and related literature. The analysis was carried out using the syarah maudhui (thematic) method of relevant hadiths. The research findings show that musyarakah values such as justice, transparency, trust (amanah), and the prohibition of betrayal and usury are the ethical and spiritual basis for Islamic banking operations. The application of the musyarakah concept today, including in the form of schemes such as musyarakah mutanaqisah and working capital financing, has encouraged innovation and flexibility in Islamic financial products.
Inovasi Produk Akad Qardhal Hasan (Pinjaman Modal Usaha) Husna Wahida; Fani Indriani; Riandi Fauzi; Husni Kamal
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 3 (2025): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i3.2604

Abstract

This research uses a qualitative method with a descriptive approach through field studies to explore in depth the implementation of product innovation in Qardh Hasan contracts in the form of business capital loans at Islamic financial institutions. The aim of this study is to understand how Qardh Hasan products function not only as interest-free financing solutions but also as tools for empowering micro and small enterprises. Data was collected through in-depth interviews with institution managers, field officers, and beneficiary customers, as well as through documentation and direct observation of the loan distribution process. The findings reveal that innovations in managing Qardh Hasan products—such as community-based approaches, business mentoring, and entrepreneurship training—can enhance the effectiveness of fund utilization and strengthen the sustainability of micro-businesses. The use of data triangulation confirms that the success of this product largely depends on transparency, social proximity, and the institution’s commitment to upholding Sharia values. This study provides a valuable contribution to the development of socially based Sharia financing models for fostering economic self-reliance within communities.
INOVASI AKAD CASH WAQF LINKED DEPOSIT (CWLD) UNTUK SINERGI FUNGSI SOSIAL DAN KOMERSIAL BANK SYARIAH Sihite, Nadya; Husni Kamal; Sayuti, Ahmad; Safrina, Eka; Afdhilah, Nur
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 8 No 1 (2025): JUNI 2025
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v8i1.1382

Abstract

Abstrak This study reviews the innovation of Islamic banking products, namely Cash Waqf Linked Deposit (CWLD), as a solution for productive and transparent waqf fund management. The main objective of the research is to examine the legal basis, operational mechanism, as well as the potential and challenges of CWLD development in Indonesia. The method used is library research and descriptive analysis. The results show that CWLD is able to unite the synergy of social and commercial functions of Islamic banks through clear regulations, appropriate sharia contracts, and innovative fund management mechanisms. This product has great potential to expand public participation in cash waqf and support sustainable socio-economic development. Keywords: Cash Waqf Linked Deposited (CWLD), Waqf funds, Sharia innovation, Socio-economy
Inovasi Produk Akad Rahn dalam Pengembangan Gadai Emas Perbankan Syariah Mahdania Mahdania; Harfiyan Syahputra; Muhammad Ulfa Chairi; Dimaz Alfian Frastianda; Husni kamal
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i3.3079

Abstract

This study aims to examine the innovation of rahn contract products in the development of gold pawn services in Islamic banking in Indonesia. Akad rahn is a sharia-based short-term financing instrument that provides liquidity solutions for the community without involving elements of riba, gharar, and maisir. As the need for fast, secure, and sharia-compliant financial services increases, innovation in rahn products is of strategic urgency. This research uses a qualitative descriptive approach with a literature study of literature, reports of Islamic financial institutions, and related regulations. The results of the study show that rahn product innovation is carried out through three main aspects: (1) the development of the form of contract, such as the combination of rahn with ijarah or mudharabah; (2) the use of digital technologies such as e-KYC and AI to accelerate services; and (3) the expansion of socio-economic benefits, especially for MSMEs. The study also found that the increase in gold prices has also encouraged the increase in the use of gold pawns as an alternative financial solution. Therefore, Islamic banking needs to continue to develop gold pawn services based on rahn contracts to remain competitive, inclusive, and sharia-compliant.
Co-Authors Afdhilah, Nur Ahmad Sayuti, Ahmad Ainun Mardhiah Ajirna Ajirna Akmalul Hajja Angga Syahputra Azhari Yahya Bella Silvia Dimaz Alfian Frastianda Eva Simah Bengi Fani Indriani Fitriyani, Ema Gadis Ananda .S. Harfiyan Syahputra Husna Wahida Khairiyah Fikri Azzahra Khalish Khairina M. Rafly Febryansyah Mahdania Mahdania Muhammad Iqbal Muhammad Syafril Nasution Muhammad Ulfa Chairi Mukhtasar Naswa Sasmita Natasya Natasya Nurul Astiva Nasution Rapika Dewi Riandi Fauzi Rizky Bayu Pratama Rukaini Rukaini Safrina, Eka Sihite, Nadya USWATUN HASANAH Waldyansyah Waldyansyah Yolanda Salsabila Balkis