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Analisis Hukum Ekonomi Syariah dalam Transaksi Akad Qardh PayLater pada Aplikasi Shopee Muhammad Rivaldy; Rasta Kurniawati Br. Pinem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.2562

The Qardh contract law in muamalat law does not allow the lender to take profit or interest, and this carries usury which is prohibited by Islamic law. This feature uses loans and instant loans with a certain limit amount that can be used for shopping and paid in the following month according to the due date agreed by active users of the marketplace. This research aims to determine the Qardh contract transaction mechanism on Shopee PayLater in accordance with sharia economic law, legal uniformity in prohibiting PayLater, the Shopee Paylater transaction mechanism for online buying and selling using Qardh contracts, and the Shopee Paylater payment system in installments without a credit card. In this research, the type and approach used is empirical, which is usually called field research with a qualitative approach method. Meanwhile, the data collection techniques that researchers use are interviews, observations, documentation and literature review. Then the data analysis used in this research is descriptive qualitative. Based on the results of research and data analysis, it was concluded that the Shopee PayLater transaction mechanism, namely the rules regarding online buying and selling transactions, still refers to the legal terms of the agreement in Article 1320 of the Civil Code. The conditions for a valid agreement in Article 1320 of the Civil Code are as follows: 1) There is an agreement between both parties; 2) The ability to act; 3) The existence of the agreed object; 4) There is a lawful cause. If there is a delay in making payment, the buyer will be subject to a fine of 5%. This amount will continue to increase if the buyer does not immediately pay off the installments. Getting a bad view from the Financial Services Authority (OJK) makes it difficult to get financing from banks or others. Sharia Economic Law regarding Shopee PayLater is whether or not the elements of harmony and buying and selling conditions are met. In practice, regarding the existence of harmony and conditions for buying and selling using Shopee Paylater, it can be explained as follows: 1) Seller and buyer or people who have an agreement (aqid); 2) Sighat (consent and acceptance); 3) Ma'qud'alaih (goods purchased). So, transactions using Shopee PayLater are considered to contain usury.

STRATEGI INTERNALISASI NILAI-NILAI AL-ISLAM PADA MAHASISWA DI RUSUNAWA UMSU Pinem, Rasta Kurniawati Br.; Naimi, Nadlrah
Jurnal Ilmiah Al-Hadi Vol 4 No 1: Januari 2018
Publisher : Lembaga Jurnal dan Seminar Universitas Pembangunan Panca Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54248/alhadi.v4i1.381

The application of Islamic values in life is something that cannot be negotiated, therefore the internalization of such values must be done and then these can be imprinted in themselves. Thus, Islamic values can be practiced in the daily life. College student is one of important element in building civilized society, and then they must be able to daily practice Islamic values. Therefore it is necessary to do maximum efforts in internalizing Islamic values in their life. This study focuses on how is the strategy to internalize the values of Islam and Kemuhammadiyahan to student in UMSU dormitory. Data collection of this study was an interview and direct observation at the location. The study found that the internalization strategy that is carried out, namely: coaching of Quran reading, practical ibadah, studying of Islamic law and muahammdiyah values.

Tinjauan Praktek Akad Ijarah Menurut Hukum Islam: Studi Kasus pada UMKM Kios di Kec. Medan Helvetia Shavira Aprilia; Rasta Kurniawati Br. Pinem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i4.2024

Leasing (ijarah) is a form of muamalah action that is often carried out by humans to fulfil their needs. These needs can be in the form of the benefits of goods or services that are not owned, such as renting out kiosks for MSME business actors in Medan Helvetia Sub-District. However, in some cases, kiosk tenants are often not responsible for the leased kiosk building, such as building damage that arises during the lease period and arrears in water and electricity costs. The purpose of this study is to explain how the practice of ijarah contracts contained in kiosk MSMEs in Medan Helvetia sub-district and explain the practice of ijarah contracts contained in kiosk MSMEs in Medan Helvetia sub-district according to Islamic law. This research uses a type of field research with a descriptive qualitative approach. The data sources used are primary data sources and secondary data sources. Data collection is done by observation, interviews, documentation. Data analysis techniques using qualitative descriptive data analysis techniques. Based on the results of this research, the benefits of objects in the practice of ijarah contracts for MSME kiosks in Medan Helvetia sub-district are permissible in Shara'. When viewed from the validity of the contract, the practice of ijarah contracts for MSME kiosks in Medan Helvetia Sub-District is not in accordance with Islamic law because the conditions for the validity of the ijarah contract have not been fulfilled, which is due to violations committed by the tenant against the object of the lease in the form of damage to the building that appears.

Analisis Hukum Ekonomi Syariah dalam Transaksi Akad Qardh PayLater pada Aplikasi Shopee Muhammad Rivaldy; Rasta Kurniawati Br. Pinem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.2562

The Qardh contract law in muamalat law does not allow the lender to take profit or interest, and this carries usury which is prohibited by Islamic law. This feature uses loans and instant loans with a certain limit amount that can be used for shopping and paid in the following month according to the due date agreed by active users of the marketplace. This research aims to determine the Qardh contract transaction mechanism on Shopee PayLater in accordance with sharia economic law, legal uniformity in prohibiting PayLater, the Shopee Paylater transaction mechanism for online buying and selling using Qardh contracts, and the Shopee Paylater payment system in installments without a credit card. In this research, the type and approach used is empirical, which is usually called field research with a qualitative approach method. Meanwhile, the data collection techniques that researchers use are interviews, observations, documentation and literature review. Then the data analysis used in this research is descriptive qualitative. Based on the results of research and data analysis, it was concluded that the Shopee PayLater transaction mechanism, namely the rules regarding online buying and selling transactions, still refers to the legal terms of the agreement in Article 1320 of the Civil Code. The conditions for a valid agreement in Article 1320 of the Civil Code are as follows: 1) There is an agreement between both parties; 2) The ability to act; 3) The existence of the agreed object; 4) There is a lawful cause. If there is a delay in making payment, the buyer will be subject to a fine of 5%. This amount will continue to increase if the buyer does not immediately pay off the installments. Getting a bad view from the Financial Services Authority (OJK) makes it difficult to get financing from banks or others. Sharia Economic Law regarding Shopee PayLater is whether or not the elements of harmony and buying and selling conditions are met. In practice, regarding the existence of harmony and conditions for buying and selling using Shopee Paylater, it can be explained as follows: 1) Seller and buyer or people who have an agreement (aqid); 2) Sighat (consent and acceptance); 3) Ma'qud'alaih (goods purchased). So, transactions using Shopee PayLater are considered to contain usury.

PENDAMPINGAN DAN PENGEMBANGAN USAHA MIKRO DENGAN PRINSIP SYARIAH DI DESA SUKANDEBI Tri Wanda Aditiya; Rasta Kurniawati Br Pinem
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 5 (2025): Oktober - November 2025
Publisher : PT. Intelek Cendikiawan Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Kegiatan Kuliah Kerja Nyata (KKN) Mandiri ini bertujuan untuk memberikan pendampingan dan pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Sukandebi, Kecamatan Namanteran, Kabupaten Karo, dengan pendekatan Ekonomi Syariah. Latar belakang masalah menunjukkan bahwa meskipun desa ini memiliki potensi ekonomi yang besar, sebagian besar pelaku usaha masih menjalankan usahanya secara tradisional, minim manajemen keuangan yang baik, dan kurangnya pemahaman mendalam tentang prinsip-prinsip syariah seperti keadilan, kejujuran, dan larangan riba. Metode pengabdian ini menggunakan pendekatan partisipatif dan edukatif melalui tiga tahapan: persiapan, pelaksanaan, dan evaluasi. Hasil pembahasan menunjukkan bahwa dalam konteks komunitas dengan literasi keagamaan Islam yang relatif minim, pengembangan usaha syariah harus dimulai dari pemahaman dan kepercayaan komunitas, serta penekanan pada nilai-nilai dasar Islam yang sudah dipraktikkan (kejujuran dan keadilan). Hambatan utama yang teridentifikasi adalah kekurangan pada aspek pemasaran produk, ketersediaan bahan baku, dan akses modal usaha. Program ini memberikan acuan praktis bahwa instrumen syariah dapat diterapkan secara bertahap untuk menyelesaikan masalah operasional UMKM, sehingga mampu mendorong kemandirian ekonomi masyarakat yang berlandaskan nilai-nilai Islam.

Menumbuhkan Budaya Menabung sejak Dini: Implementasi Literasi Keuangan melalui KKN di SD 102028 Dusun II Sei Parit Sinta Sintia Br. Karo; Rasta Kurniawati Br Pinem
Jurnal Pengabdian Cendekia Vol. 2 No. 1 (2026): In Press
Publisher : PT Pustaka Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71417/jpc.v2i1.98

Menabung sejak dini bukan sekadar kebiasaan, tetapi sebuah proses pendidikan karakter yang penting bagi anak-anak. Melalui kegiatan Kuliah Kerja Nyata (KKN) Mandiri di Dusun II Sei Parit, mahasiswa Universitas Muhammadiyah Sumatera Utara melaksanakan program “Edukasi Menabung Sejak Dini” di SD 102028 Sei Parit. Tujuan kegiatan ini adalah menanamkan kesadaran dan kebiasaan menabung melalui metode yang ringan, menarik, dan mudah dipahami anak-anak. Kegiatan dilakukan dalam tiga tahap, yakni: (1) menonton video animasi tentang manfaat menabung, (2) memberikan gambaran nyata bahwa menabung bisa membantu anak membeli barang impiannya tanpa harus meminta kepada orang tua, serta (3) mengadakan sesi tanya jawab untuk memperkuat pemahaman mereka. Hasil kegiatan menunjukkan adanya peningkatan motivasi dan perilaku siswa untuk menabung secara rutin. Hal ini sejalan dengan penelitian Loda et al. (2023) dan Burairoh et al. (2022) yang menegaskan bahwa pembelajaran literasi keuangan melalui media visual dan pengalaman langsung efektif meningkatkan kesadaran finansial anak. Melalui kegiatan sederhana ini, anak-anak belajar bahwa kebiasaan menabung dapat menjadi fondasi bagi sikap tanggung jawab dan kemandirian di masa depan.

Marketing Strategy and Added Value of Halal Certification in Herbalife Beverage Business Development Ira Mayasha; Rasta Kurniawati Br Pinem
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6854

Health" is a difficult word to define, but health is very important in our lives. Islam can be interpreted as the results achieved by individuals or groups. Considering that Indonesia is the country with the largest Muslim population in the world, halal certification is a basic requirement for every product sold. The purpose of this study is to contribute to formulating an effective strategy for the development of Herbalife's business in the country. The research method used is a qualitative approach. The data collection method used in this study is interviews. The data analysis method in this study is data reduction, data presentation, and conclusion. The study results indicate that a marketing strategy that integrates halal certification can positively impact the Herbalife beverage business. By implementing the right market segmentation, product differentiation, and effective promotion and distribution strategies, Herbalife can increase its competitiveness in the global market. Halal certification is not only a requirement for regulatory compliance, but also an important factor in increasing consumer loyalty and expanding market reach. Therefore, the researcher suggests that a marketing strategy that integrates halal certification can positively impact the Herbalife beverage business. By implementing appropriate market segmentation, product differentiation, and effective promotion and distribution strategies, Herbalife can increase its competitiveness in the global market.

ANALYSIS OF SHARIA UMKM DEVELOPMENT STRATEGIES IN THE DIGITAL ECONOMY ERA (STUDY ON HNI-HPAI BC MEDAN 8) Adinda Khairunisa Ahmadi; Rasta Kurniawati Br Pinem
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 4 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to analyze the development strategy of Sharia-based Micro, Small, and Medium Enterprises (MSMEs) in the digital economy era at HNI-HPAI BC Medan 8. The study uses a qualitative approach with the Miles and Huberman interactive model data analysis method which includes the stages of data collection, data reduction, data presentation, and drawing conclusions. Data collection techniques are carried out through interviews, observation, and documentation, while data validity is tested using triangulation of sources, techniques, and observers. The research results show that the development strategy for sharia-compliant MSMEs is implemented through the integration of sharia principles and digital technology. The implementation of sharia principles is reflected in product halal assurance, price transparency, and the avoidance of riba (usury ), gharar (gharar ), and maisir (gambling) . Meanwhile, the use of digital technology through the HNI.id platform and social media has proven effective in expanding market reach and increasing customer base. However, challenges remain, including the perception of relatively high product prices and low consumer understanding of the importance of halal and quality products. This research implies that the successful development of Sharia-compliant MSMEs depends not only on the use of digital technology but also on the consistent application of Sharia principles and the ability to build consumer trust. Therefore, market education strategies and policy support are needed to improve digital and halal literacy to promote the sustainability of Sharia-compliant MSMEs in the digital economy era.

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