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All Journal Muamalah El-Iqtishady KASBANA : Jurnal Hukum Ekonomi Syariah MUBEZA Pemikiran Hukum dan Ekonomi Islam Jurnal Abdi Masyarakat Indonesia Register : Journal of English Language Teaching and Learning of FBS UNIMED Jurnal Hukum Ekonomi Syariah : AICONOMIA Mu'amalah : Jurnal Hukum Ekonomi Syariah Strata Law Review Strata Social and Humanities Studies
Ikhsan, Muhammad Miftahul
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Religion Arts Humanities Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK HYBRID CONTRACT PADA PEGADAIAN SYARIAH (STUDI KASUS PADA PEGADAIAN SYARIAH TABA CEMEKEH LUBUKLINGGAU) Ikhsan, Muhammad Miftahul; Zainuddin, Cholidi; Mursid, Fadhilla
Muamalah Vol 7 No 2 (2021): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (703.038 KB)

Abstract

AbstractPegadaian syariah use hybrid contract contain rahn and ijarah. the problem which researcher ask about the Practice Of Hybrid Contracts At Sharia Pegadaian Case Studies On Sharia Pegadaian Taba Cemekeh Lubuklinggau, And Ask About A Review Of Sharia Economic Law On The Practice Of Hybrid Contracts At Sharia Pegadaian Taba Cemekeh Lubuklinggau.Researcher use qualitative research with field approach, use primary data, secondary data and tertiary data. Use data collection techniques through interviews and documentation studies.Based on result researched, the Practice Of Hybrid Contracts At Sharia Pegadaian Case Studies On Sharia Pegadaian Taba Cemekeh Lubuklinggau got five points. The require pawn goods, interest in pawn goods, goods pawn procedure, term used, finance in sharia pegadaian.for require pawn goods and interest in pawn goods accordance with standard operating procedures, but goods pawn procedure, term used, finance in sharia pegadaian didn’t completely appropriate because based on Dewan Syariah Nasional Majelis Ulama Indonesia number 25 of 2002 about pawn with non-transparent contracts, unintelligible term, so hesitate to enter into a contract.Keywords: Hybrid Contract, Mu’nah, Pawn
Photovoice: Fostering Speaking Skills among EFL Students in Kampung Inggris Transmigration through Storytelling L, Salsabila; Fajar, Ahmad; Ikhsan, Muhammad Miftahul; Fitringga, Muhammad Amar; Aisyah, Siti; Nasrullah, Nasrullah
REGISTER: Journal of English Language Teaching of FBS-Unimed Vol 12, No 4 (2023)
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/reg.v12i4.54281

Abstract

Storytelling have already integrated in learning speaking with many advantages, the researchers apply it among EFL (English as a Foreign Language) students in Kampung Inggris Transmigration to fostering students' speaking skills. Utilizing the Photovoice methodology and the SHOWeD method, the study systematically explores the use of storytelling in language learners' speaking abilities. Participants of this study were 5 tutors and 30 students from two EFL classes in Kampung Inggris Transmigrasi. The findings highlight the pivotal role of storytelling in creating a dynamic and engaging learning environment that encourages active participation and collaboration. This research contributes to the field of language education by emphasizing the significant influence of storytelling on developing effective speaking skills in EFL students, offering insights into innovative methodologies for language acquisition.Keywords: Speaking Skills, Storytelling, and EFL Students   
IMPLEMENTASI AKAD-AKAD PADA KOPERASI SYARIAH : Perbedaan Antara Koperasi Syariah Dan Koperasi Konvensional Ikhsan, Muhammad Miftahul
KASBANA Vol 4 No 1 (2024): Januari
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53948/kasbana.v4i1.106

Abstract

Sharia Cooperatives in Fatwa DSN Number 14 concerning Guidelines for the Establishment and Operation of Sharia Cooperatives in 2021 that sharia cooperatives are cooperatives that are created, managed, and run their businesses in accordance with sharia principles. This type of research uses literature research that takes data through information by obtaining library materials, data techniques that have been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. Looking at the comparison related to the differences between conventional cooperatives and sharia cooperatives, it is very clear that sharia cooperatives have a prudent nature, where starting from supervisors who are competent related to sharia cooperatives, carrying out a profit-sharing system not based on interest, cooperation with sharia banks, raising funds that can be deposited can also be in the form of term savings. The distribution of funds is broader in focus on whether you want to make loans only, whether to do cooperation, or to carry out buying and selling, and has a social nature that can distribute Ziswaf funds to the community. Legal Basis of Sharia Cooperatives Article 87 paragraphs 3 and 4 of Law of the Republic of Indonesia Number 17 of 2012, Fatwa DSN MUI Number 141 of 2021 concerning Guidelines for the Establishment and Operation of Sharia Cooperatives. contracts used in sharia cooperatives such as:, Ba'i Al-Murabahah, Ba'i Al-Salam, Ba'i Al-Istishna, Ijarah, Shirkah, Wadi'ah, Qardh.
DIMENSI NILAI TAUHID DALAM UNDANG-UNDANG REPUBLIK INDONESIA NOMOR 23 TAHUN 2011 TENTANG PENGELOLAAN ZAKAT: Undang-Undang Republik Indonesia Nomor 23 Tahun 2011 Tentang Pengelolaan Zakat Ikhsan, Muhammad Miftahul
KASBANA Vol 4 No 1 (2024): Januari
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53948/kasbana.v4i1.107

Abstract

Religion has three main basics, namely faith, Islam and ihsan, discussion in faith is the value of tawhid, divinity. Islam teaches that religion is not only limited to worship, but can be applied in the aspect of living, by applying the principle of divinity, Ihsan in the sense of doing good deeds, is classified into 4 types, namely: doing good to Allah. This type of research uses literature research that takes data through information by obtaining library materials, data collection techniques for this research using documentation. data that has been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. tawhid is to worship God with the belief that God is the creator of the universe and all that it contains. Tawhid is divided into three types, namely tauhid rububiyah, tauhid uluhiyyah, tauhid asma' wa trait. The economic aspect of life does not escape the eyes of Allah, with regard to zakat, it is explained that zakat is to cleanse people. The perspective of the value of tawhid in the Law of the Republic of Indonesia Number 23 of 2011 concerning Zakat Management that this law takes the source that fulfilling zakat is the obligation of Muslims in accordance with the Qur'an. In chapter two which discusses the principles in zakat management such as Amanah, expediency, justice, legal certainty, integration and accountability. So in terms of tawhid asma' wa the nature of this principle is indeed part of tawhid because this principle is also included in asmaul husna like justice in asmaul husna al-adlu which is all just.
HEDGING SEBAGAI SOLUSI DARI PENGELOLAAN DANA HAJI Ikhsan, Muhammad Miftahul; Shofya Humaira Siti Salma; Jaih Mubarok; Sofyan Al-Hakim
El-Iqthisadi Volume 5 Nomor 2 Desember 2023
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.vi.43427

Abstract

Abstrak Indonesia menjadi negara jumlah penduduk muslim terbesar dengan jumlah 240,62 juta jiwa. banyaknya muslim di Indonesia beribadah kerumah Allah melaksanakan ibadah haji. Jenis penelitian ini menggunakan penelitian kepustakaan yang mengambil data melalui informasi dengan mendapatkan bahan Pustaka, Teknik data yang telah didapatkan dengan mengkaji serta menganalisa, baik berbentuk buku, jurnal, hasil penelitian. Serta dengan menggunakan Teknik analisis deskriptif. Langkah pemerintah yakni membuat Lembaga yang khusus mengelola dana haji yakni Badan Pengelola keuangan haji. Bentuk pengelolaan dana haji merujuk pada Fatwa DSN No. 122 terkait pengelolaan biaya penyelenggaran ibadah haji dan BPIH Khusus bahwa akad yang dipakai dalam pengelolaan dana haji adalah wakalah. Pada dasarnya bahwa nilai uang dari tahun ke tahun akan menurun harganya karena disebabkan banyak hal salah satunya inflasi, untuk mengurangi penurunan nilai. Hedging (Lindung Nilai) ialah mekanisme atau Teknik dalam mengurangi resiko yang terjadi maupun yang diperkirakan akan terjadi karena fluktuasi nilai tukar. Mekanisme dari proses lindung nilai syariah atas nilai tukar dengan Akad al-Tahawwuth al-Basith, Para pihak saling berjanji baik secara tertulis maupun tidak untuk melaksanakan satu kali transaksi spot (pembelian serta penjualan mata uang asing sebagai penyerahan) dimasa yang akan datang sesuai dengan kesepakatan. Perlunya dilakukan hedging supaya ada keterikatan kontrak kita sebagai jamaah. Kata Kunci: Haji, Hedging, Pengelolaan Dana Haji Abstract Indonesia is the country with the largest Muslim population with 240.62 million people. This type of research uses literature research that takes data through information by obtaining library materials, data techniques that have been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. The government's step is to create an institution that specifically manages Hajj funds, namely the Hajj Financial Management Agency. to reduce the decline in value. Hedging is a mechanism or technique in reducing risks that occur or are expected to occur due to exchange rate fluctuations. The mechanism of the Islamic hedging process on exchange rates with Akad al-Tahawwuth al-Basith, the parties mutually promise either in writing or not to carry out one-time spot transactions (purchase and sale of foreign currencies as delivery) in the future in accordance with the agreement. The need for Hajj fund management is carried out by hedging so that there is an attachment to our contract as pilgrims, represented by the Hajj Financial Management Agency to Saudi Arabia Where the exchange of currency from rupiah to riyal is not too high if something happens in the future. Keywords: Hajj, Hajj Fund Management, Hedging
Integrating Islamic Business Ethics in Labor Protection and Minimum Wage Determination in Indonesia Ikhsan, Muhammad Miftahul; Nuraeni, Neni; Meiriyanti, Deffa
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 3 No. 1 (2024)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v3i1.8188

Abstract

Policies related to the minimum wage are a contentious issue in employment across both developed and developing countries, aiming to meet community needs and benefit families. However, a research gap exists in applying justice and moral principles to wage determination from the perspective of Sharia economic law in Indonesia. This study aims to analyze fair wage components according to Islam and the role of business ethics in protecting workers and determining wages. Employing a literature review method, data were gathered from various sources such as books, journals, and previous research findings, which were reviewed and analyzed using descriptive analysis techniques. The study emphasizes the importance of justice and moral components in Islamic wage determination, rooted in the absolute essence granted by God, essential for morality. Business ethics in work protection and wage determination are crucial to ensure fair treatment and prevent exploitation. Recommended steps include optimal labor protection and wage determination, timely payment of agreed wages, recognition and guarantee of labor, fair wage determination without harm, and providing worker freedom. The study's novelty lies in integrating Islamic principles of justice and morality into minimum wage policies and developing practical business ethics guidelines for labor protection and wage determination under Sharia economic law in Indonesia.
Pemberdayaan Soft Skills Siswa SMPN 3 Banjarmasin melalui Pelatihan Desain Poster Berbasis Canva Cahaya, Noor; Mu’in, Fatchul; Noortyani, Rusma; Dewi, Dwi Wahyu Candra; Murdianingsih, Arum; Novitasari, Aulia; Wahyudin, Muhammad; Ikhsan, Muhammad Miftahul; Indriyani, Ade Ida
Jurnal Abdi Masyarakat Indonesia Vol 5 No 4 (2025): JAMSI - Juli 2025
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jamsi.1610

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan soft skills siswa SMPN 3 Banjarmasin, khususnya dalam aspek kreativitas, komunikasi, berpikir kritis, dan kolaborasi (4C), melalui pelatihan desain poster menggunakan aplikasi Canva. Permasalahan yang dihadapi adalah rendahnya kemampuan siswa dalam menyampaikan pesan visual secara efektif serta keterbatasan dalam memanfaatkan teknologi desain grafis. Pelatihan dilaksanakan dalam tiga sesi utama: (1) penyampaian materi tentang prinsip dasar desain grafis dan penggunaan Canva, (2) praktik langsung pembuatan poster secara individu dan kelompok, serta (3) evaluasi hasil karya melalui pretest dan posttest. Evaluasi dilakukan dengan mengukur peningkatan pemahaman konsep desain dan kemampuan teknis siswa. Hasil evaluasi menunjukkan peningkatan signifikan dalam pemahaman siswa, dengan rata-rata skor pretest sebesar 50% meningkat menjadi 85% pada posttest. Selain itu, siswa mampu menghasilkan poster dengan komposisi visual yang baik, pemilihan warna yang harmonis, dan pesan yang komunikatif. Pelatihan ini juga mendorong kolaborasi aktif antar siswa dan meningkatkan literasi digital mereka. Dengan demikian, program pelatihan ini efektif dalam mengembangkan soft skills dan keterampilan digital siswa, memberikan kontribusi positif dalam mempersiapkan mereka menghadapi tantangan abad ke-21.
Innovating Murabahah through Hybrid Contracts: A Normative Juridical Analysis of Sharia-Compliant Financial Practices and Governance in Islamic Banking Siregar, Muhammad Islah; Ikhsan, Muhammad Miftahul; Abdurrahman, Nana Herdiana; Setiawan, Iwan; Fadillah, M Rizki
Strata Law Review Vol. 3 No. 2 (2025): September
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/slr.v3i2.135

Abstract

This study investigates the application of the hybrid contract concept in murabahah financing within Islamic banking, focusing on its legal validity, operational procedures, and compliance with Sharia principles. Hybrid contracts (al-‘uqud al-murakkabah), which integrate multiple contractual elements into a unified framework, have emerged as a significant innovation to address the limitations of conventional murabahah structures in meeting complex financing demands. Employing a normative juridical research design with a qualitative-descriptive approach, this research analyzes primary Islamic legal sources (Qur’an, Hadith, and classical fiqh), relevant regulations, and fatwas, particularly DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000, alongside secondary literature on Islamic finance. The findings reveal that the hybrid contract model, particularly al-murabahah wa ar-rahn (murabahah with collateral), is legally permissible and aligns with the maqasid al-shariah when implemented with full asset ownership and risk assumption by the bank prior to contract execution. The study contributes to the discourse on Sharia-compliant financial innovation by proposing standardized governance protocols, enhanced transparency, and adaptive legal frameworks to strengthen hybrid murabahah financing practices.
Penerapan Hybrid Contract Pada Produk Giro Di Perbankan Syariah Ikhsan, Muhammad Miftahul; Herdiana, Nana; Setiawan, Iwan
Mubeza Vol. 13 No. 2 (2023): September 2023
Publisher : IAIN Takengon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54604/mbz.v13i2.336

Abstract

Lembaga keuangan syariah terus berupaya mengimplementasikan inovasi yang relevan dengan tuntutan era saat ini. Salah satu aspek inovatif yang menjadi fokus adalah penggunaan hybrid contract, di mana dua akad digabungkan dalam satu kesepakatan. Penelitian ini bersifat kepustakaan dan menggunakan metode pengumpulan data melalui analisis literatur dari berbagai sumber, termasuk buku, jurnal, dan hasil penelitian terkait. Teknik analisis deskriptif digunakan untuk mengkaji dan menganalisis informasi yang ditemukan. Perbedaan mendasar antara giro konvensional dan giro syariah terletak pada konsep operasional, di mana giro konvensional menggunakan bunga, sedangkan giro syariah menggunakan bagi hasil. Hybrid contract yang telah diterapkan dalam perbankan syariah adalah giro dengan kombinasi mudharabah dan wadiah. Simpanan nasabah diinvestasikan sesuai dengan prinsip Islam, menjadikannya pilihan yang sesuai dengan aturan dan memberikan alternatif terbaru. Inovasi semacam ini membantu lembaga keuangan syariah tetap mematuhi prinsip-prinsip syariah sambil tetap relevan dan dapat tumbuh di masa depan.
Bridging Ideology and Practice: A Policy Analysis of Pancasila Economy in Empowering Local MSMEs in Indonesia Ikhsan, Muhammad Miftahul; Rasyid, Fauzan Ali; Saleh, Chaerul; Fadillah, M Rizki
Strata Social and Humanities Studies Vol. 3 No. 2 (2025): October
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sshs.v3i2.131

Abstract

Policies from political economy can have an overall impact on the state system, This type of research uses literature research that takes data through information by obtaining library materials, data techniques that have been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. Emil Salim explained the characteristics of the economy based on Pancasila having a role, state and private businesses go hand in hand that can avoid monopoly. The economy of Pancasila is based on the principle of family. Society can be an important role, no longer moving individually. The state has a role to control natural resources but must be based on the implementation of rights and obligations with a maximum plan. Pancasila economy is a people-based economy where the community gets the core of the five precepts in the economy. The causes of MSMEs with local products are difficult to develop, namely: Limitations with financial access. Minimal distribution network. Managerial skills that have not been maximized. Fierce market competition. Limited infrastructure. Requires mentoring and training. Weak Marketing and Branding. Steps that can be used as recommendations are: providing easy access to capital. Provide training assistance, business managerial, marketing, branding. The government becomes a promotional medium to echo local products. The need for triplehelix cooperation between the government, society, media to echo local products. forming a tagline, by providing a promotional platform with local products.
Co-Authors Abdal, Abdal Ahmad Fajar Akhiri, Yusuf Al Arum Murdianingsih M.Pd Aulia Novitasari Chaerul Saleh, Chaerul Dewi, Dwi Wahyu Candra Fadillah, M Rizki Fauzan Ali Rasyid Fitringga, Muhammad Amar Herdiana, Nana Indriyani, Ade Ida Iwan Setiawan Jaih Mubarok L, Salsabila Meiriyanti, Deffa Muhammad Wahyudin, Muhammad Mukhlas , Oyo Sunaryo Mursid, Fadhilla Mu’in, Fatchul Nana Herdiana Abdurrahman, Nana Herdiana Nasrullah Nasrullah Neni Nuraeni, Neni Ramdani Wahyu Sururie Rusma Noortyani Shofya Humaira Siti Salma Siregar, Muhammad Islah Siti Aisyah Sofyan Al-Hakim Tajul Arifin Zainuddin, Cholidi