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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Justisia Ekonomika Prophetic Law Review Journal of Artificial Intelligence and Digital Business JSE: Jurnal Sharia Economica Jurnal Penelitian Pendidikan Indonesia
Isma Swadjaja
MHES Pascasarjana UMS
Humanities Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Integrasi Nilai Ekonomi Islam dalam Praktik Thibbun Nabawi di Rumah Sehat NOU Pekanbaru Bahri, Syaiful; Warsidi, Warsidi; Swadjaja, Isma
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3096

Abstract

Penelitian ini menganalisis integrasi nilai-nilai Ekonomi Islam dalam praktik Thibbun Nabawi melalui studi kasus di Rumah Sehat NOU Pekanbaru yang menggabungkan prinsip maqashid syariah dengan layanan kesehatan tradisional. Latar belakang penelitian didasarkan pada kebutuhan menghadirkan model layanan kesehatan yang tidak hanya berorientasi pada profit, tetapi juga menegakkan nilai keadilan, amanah, dan keberkahan. Tujuan penelitian ini adalah untuk menganalisis bentuk integrasi nilai-nilai ekonomi Islam dalam tata kelola klinis, keuangan, dan pelayanan, serta dampaknya terhadap efektivitas, kepuasan, dan keberlanjutan lembaga. Dengan pendekatan kualitatif fenomenologis, data diperoleh melalui wawancara, observasi, dan studi dokumen. Hasil penelitian menunjukkan bahwa integrasi nilai Islam di NOU tercermin dalam etika pelayanan (rahmah dan sopan santun), kebijakan keuangan yang transparan dan anti-eksploitasi, serta kemudahan pembayaran bagi klien kurang mampu. Hasil temuan menunjukkan peningkatan efektivitas pelayanan melalui sistem penjadwalan yang efisien, tingkat kepuasan klien mencapai lebih dari 90%, dan loyalitas tinggi dengan 60% klien merupakan pelanggan lama. Namun, tantangan muncul pada aspek keberlanjutan finansial dan legitimasi regulatori. Implikasi penelitian ini menegaskan bahwa model integrasi NOU dapat menjadi prototipe layanan kesehatan Islami berkelanjutan, asalkan didukung dengan penguatan tata kelola keuangan syariah, pemanfaatan dana sosial Islam, serta kolaborasi riset dan regulasi kesehatan.
Analisis Hukum Ekonomi Syariah terhadap Pelaksanaan Pembiayaan tanpa Agunan pada Bank Syariah Indonesia (BSI) di Kabupaten Tuban Efendi, Mokhamad; Warsidi, Warsidi; Swadjaja, Isma
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3238

Abstract

Latar belakang penelitian ini didasari oleh meningkatnya kebutuhan masyarakat terhadap akses pembiayaan yang inklusif tanpa jaminan fisik, sekaligus pentingnya memastikan praktik tersebut berjalan sesuai prinsip keadilan, transparansi, dan kepatuhan syariah. Tujuan penelitian ini adalah untuk mengkaji bagaimana mekanisme pembiayaan tanpa agunan di BSI Tuban diterapkan berdasarkan hukum ekonomi syariah serta menilai efektivitas pengawasan dan perlindungan hukumnya bagi nasabah dan lembaga. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan yuridis empiris melalui wawancara mendalam, observasi lapangan, serta telaah dokumen hukum dan fatwa DSN-MUI. Hasil penelitian menunjukkan bahwa pembiayaan tanpa agunan di BSI Tuban dilaksanakan melalui akad murabahah, musyarakah, mudharabah, dan ijarah yang bebas dari unsur riba dan gharar. Pengawasan internal dilakukan oleh Dewan Pengawas Syariah (DPS), sementara pengawasan eksternal dilakukan oleh OJK dan DSN-MUI guna memastikan kepatuhan terhadap maqāṣid al-syarī‘ah. Temuan penelitian menegaskan bahwa penerapan prinsip 5C (Character, Capacity, Capital, Condition, Collateral) mampu menjaga kualitas pembiayaan meski tanpa jaminan fisik. Namun, tantangan berupa rendahnya literasi keuangan syariah, keterbatasan SDM, serta risiko kredit masih perlu diatasi melalui penguatan regulasi, edukasi, dan digitalisasi sistem pengawasan. Implikasi penelitian ini menunjukkan bahwa pembiayaan tanpa agunan di BSI Tuban bukan sekadar instrumen ekonomi, tetapi juga sarana pemberdayaan sosial dan keadilan ekonomi umat sesuai prinsip hukum ekonomi Islam.
Kerjasama Sistem Bagi Hasil Dalam Pengelolaan Lahan Buah Naga bandi, Su; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 2 (2018)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i2.2475

Abstract

Abstrak Dalam kegiatan kerjasama bagi hasil lahan pertanian dikenal dengan istilah mukhabarah dan muzara’ah. Perjanjian kerjasama bagi hasil seharusnya dicatatkan menurut hukum yang berlaku supaya saling mengikat dan tidak menimbulkan adanya kecurangan dari salah satu pihak. Kecurangan tersebut dapat menimbulkan pelanggaran/pengkhianatan perjanjian kerjasama sehingga memperkarakan di Pengadilan Agama sebagaimana yang telah terjadi di Pengadilan Agama Banyuwangi dalam Perkara Nomor 3252/Pdt.G/2016/PA.Bwi. Penelitian ini merupakan penelitian hukum deskriptif yang dimaksudkan untuk menggambarkan secara sistematis dasar gugatan perkara Ekonomi Syariah di Pengadilan Agama Banyuwangi pada tahun 2016. Pengumpulan data dilakukan dengan cara mengkaji berkas gugatan, perdamaian serta penetapan Majelis Hakim yang kemudian dianalisis dengan sistem hukum ekonomi syariah (peraturan perundang-undangan maupun sumber hukum islam). Analisis data dilakukan dengan cara pemeriksaan data, klasifikasi data, penarikan kesimpulan dan analisis data. Hasil dari penulisan tesis ini, menunjukkan bahwa: 1. Dasar gugatan perkara 3252/Pdt.G/2016/PA.Bwi karena adanya pengingkaran atau penghianatan salah satu pihak yaitu pemilik lahan yang merasa cemburu terhadap pengelola lahan (penggarap) terkait panenan buah naga pada musim panen pertama. Yang kemudian pemilik lahan mau mengambil alih objek muzara’ah tanpa persetujuan penggarap lahan. 2. Proses mediasi yang dilaksanakan dalam perkara Nomor 3252/Pdt.G/2016/PA.Bwi) dilakukan berdasarkan prosedur PERMA No 1 tahun 2016 tentang Prosedur Mediasi. Dan hasil dari pada proses mediasi tersebut telah Berhasil Mencapai Kesepakatan (kesepakatan tertulis). 3. Produk hukum dari Pengadilan Agama Banyuwangi dalam perkara Nomor 3252/Pdt.G/2016/PA.Bwi berupa Penetapan pencabutan perkara. Seharusnya produk hukum yang dikeluarkan adalah berupa Putusan Perdamaian karena perkara ini berawal dari sebuah sengketa yang kemudian berhasil damai berdasarkan kesepakatan tertentu.  Kata Kunci: Muzara’ah, Perkara Nomor 3252/Pdt.G/2016/PA.Bwi, Pengadilan Agama Banyuwangi.
Pelaksanaan Jual Beli Perkebunan Sengon dengan Akad Ijarah Menurut Hukum Ekonomi Syariah Baidah, Zu; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 3 No 1 (2019)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v3i1.2918

Abstract

This research discusses about the practice of buying and selling sengon plantations with lease agreements carried out by communities in the village of Denok, Lumajang district, Lumajang district. The practice of buying and selling does not appear to be in line with the transaction concepts regulated in Sharia Economic Law. Therefore the author feels interested in the importance of further examining this issue from the perspective of Sharia Economic Law, specifically by using the theory of buying and selling (bai') and rent (ijarah). This research is limited to the following issues: (1) How is the sale and purchase of sengon plantations with ijarah contracts carried out by the people in Denok village, Lumajang district, Lumajang district? (2) What is the implementation of the sale and purchase of sengon plantation with ijarah contract by the people in the village of Denok Lumajang sub-district Lumajang regency according to Sharia Economic Law? And (3) What is the implementation of the sale and purchase of sengon plantations with ijarah contracts by people in the village of Denok Lumajang sub-district Lumajang district according to the principles of Sharia Economic Law? This research is field research where research is conducted by approaching the subject and object of research in the research location. The approach that the author chose in this study is a case study approach, which is an approach used in studies of certain cases from various legal aspects. Data collection techniques that will be selected to obtain accurate data in this study are documentation, observation, and interviews.The results of this research are: (1) The implementation of the buying and selling of sengon plantations with the ijarah contract can be explained by the following points: (a) The type of contract that is said is a lease agreement, although in the contract there are two legal actions, namely buying and selling sengon trees and rental of plantation land (b) Regarding the object of the contract there are two, namely sengon trees and plantation land. For the contract object in the form of sengon tree ownership, the owner moves from the owner to the tenant, while for the contract object in the form of sengon tree does not take ownership, only the right to use temporarily from the owner to the tenant within a specified and agreed period. (c) As a legal consequence of the lease agreement, the owner of the plantation gets an amount of money from the lessee, and the tenant gets a number of sengon plants to be owned (being the owner of sengon) and the right to use the land for the specified time. (2) The sale and purchase of sengon plantations with the ijarah contract in Denok village Lumajang sub-district Lumajang district is in accordance with the theory of akad, bai ’(buying and selling), and ijarah (rent) in Sharia Economic Law. (3) The sale and purchase of sengon plantations with the ijarah contract in Denok village Lumajang sub-district Lumajang district is in accordance with the principles of Sharia Economic Law which includes the principle of permissibility, the principle of benefit, the principle of willingness, the principle of justice, and customary principles as law. Keywords: Sengon, Transaction, Ijarah, Sharia Economic Law.
PELAKSANAAN EKSEKUSI HIPOTIK DI PENGADILAN AGAMA MENURUT HUKUM EKONOMI SYARIAH (ANALISIS PUTUSAN PENGADILAN AGAMA SURABAYA NOMOR : 005/PDT.EKS/2018/PA.SBY) rapi, rusmin; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 3 No 2 (2019)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v3i2.3892

Abstract

ABSTRACTThe Religious Court has an important role in the settlement of disputes between the Islamic financial institution and its customers. As the case in the Surabaya Religious Court Number: 005 / Pdt.Eks / 2018 / Pa.Sby, where there was a dispute between PT. Bank BRI Syariah Tbk. as a creditor with PT. Eka Nusa Bahari as the debtor who has defaulted. The formulation of the problem of this research are: First, how is the execution based on sharia economic law in Indonesia and Second, how is the execution in the Surabaya Religious Court in the Sharia Economic Law dispute whether it is in line with Islamic legal principles.This study uses qualitative research methods with a normative juridical approach, namely by using the statutory approach. Normative juridical research, in accordance with the unique character of legal science, lies in the study of the law or legal study of positive law.Based on the results of analysis and research related to the Establishment of the Surabaya Religious Court Number: 005 / Pdt.Eks / 2018 / Pa.Sby, it can be concluded that the implementation of execution based on sharia economic law in Indonesia is the authority of the Religious Court, both in the form of Mortgage, Fiduciary and Mortgage Rights . And the execution in the Surabaya Religious Court in Islamic economic disputes is in line with the principles of Islamic law and in accordance with applicable laws and regulations, but it is expected that the need for higher legal rules, equal to the laws governing the implementation of sharia economic activities in particular mortgage guarantees so that customers as consumers get protection and the Islamic Bank gets a strong legal basis in carrying out its activities.Keywords: Execution, Mortgages, Sharia Economy
PENYELESAIAN SENGKETA PADA AKAD MURABAHAH DENGAN PENDEKATAN NON LITIGASI DI KSPPS BTM MULIA BABAT LAMONGAN Azis, Muhammad Fahmi; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 1 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i1.5235

Abstract

ABSTRACTDisputes are disputes, disputes or disputes that occur between one party and another related to valuable rights in the form of money or property.Shari'ah economic disputes are the domain of disputes in business or trade activities. Shari'ah economic disputes can occur before or after the agreement is agreed, for example regarding the object of the agreement, the price of goods, and the contents of the agreement (Akad).In this case, this research focuses on the resolution of non-litigation sharia economic disputes on the murabahahh contract and the application of the murabahahh contract in Bspm Mulia Babat.This research is a descriptive qualitative research is a research method to make a picture of a situation or event, so that it is desirable to hold the accumulation of basic data using the method of observation, interviews, and documentation. The results of the study are that the resolution of non-litigation sharia economic disputes in the murabahahh contract in the compt btm noble tripe uses the system of family, peace, deliberation (sulhu) and the application of murabahah contract in accordance with Islamic economic principles and principles.         Keywords: Dispute Resolution, Non Litigation and Murabahahh Agreemen
ANALISIS FAKTOR-FAKTOR DALAM PENGAMBILAN KEPUTUSAN NASABAH MEMILIH PRODUK PEMBIAYAAN PENSIUN DI BSM KC BOJONEGORO SUMBERREJO rachman, aditya; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6851

Abstract

Pension financing is a solution for someone who has stopped working to be able to meet all consumptive needs and other economic needs. PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo is one of the Sharia banks that offers pension financing products so that they have to compete with neighboring banks, especially conventional banks, which first offer pension financing products. The population in this study were all retired customers of PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo, as many as 480 customers. By using purposive sampling technique, the number of samples used is 267 retired customers who have met the criteria determined by the researcher. From the analysis, it is found that partially the factors that influence customer decisions in choosing pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo are product quality (X1), service quality (X2), price (X3), emotional (X4), convenience ( X5), promotions (X8) and costs (X9). While simultaneously product quality (X1), service quality (X2), price (X3), emotional (X4), convenience (X5), personal experience (X6), other people's experiences (X7), promotion (X8) and costs ( X9) affects the customer's decision to take pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo. The nine factors influence the customer's decision in choosing pension financing by only 66.9 percent, while the remaining 33.1 percent is influenced by other factors. Of the various factors that influence customer decisions in choosing pension financing at PT Bank Syariah Mandiri Branch Office Bojonegoro Sumberrejo, the most significant influence is the price factor (X3). Keywords: Pension financing, customer decisions, multiple linear regression analysis
POTENSI PENGELOLAAN ZAKAT, INFAQ DAN SHADAQAH DALAM MEMBANGUN PEMBERDAYAAN EKONOMI UMMAT DAN KESEJAHTERAAN MUSTAHIQ (studi kasus LAZISMU Kota Probolinggo) syahrin, muhammad alfi; Swadjaja, Isma
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i1.8755

Abstract

LAZISMU Probolinggo City is one of the institutions that manages and distributes zakat, infaq and shadaqah, see the importance of zakat, infaq and shadaqah and their management because they have great potential in building the  ummat economic empowerment and the mustahiq welfare.  The purpose of this research is to knowing the management of zakat, infaq and shadaqah in LAZISMU Probolinggo City and the potential management of  zakat, infaq and shadaqah in building the ummat economy and mustahiq welfare in LAZISMU Probolinggo City.  This research is a field research with qualitative methods.  The methods used in data collection are observation, interview, and document study.  The data that has been collected are then compiled and analyzed using descriptive methods.  The results showed that the potential managrment of zakat, infaq and shadaqah is quite good in implementing economic the ummat empowerment  and the mustahiq welfare, as evidenced by the several programs that have been implemented, some mustahiq can begin to gradually leave the deprived lives to become more independent and far away there is hope to become muzakki from the results of the business he is running.Keywords : management of zakat, infaq and shadaqah, ummah economic empowerment, mustahiq welfare
ANALYSIS OF THE MUZARA'AH CONTRACT IN THE PRODUCTION SHARING SYSTEM OF SHALLOT FARMING IN KETAPANG VILLAGE, KADEMANGAN DISTRICT, PROBOLINGGO Amalia, Diana Rizky Amalia; Warsidi; Isma Swadjaja
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v5i1.2883

Abstract

This study analyzes the implementation of muzara'ah contracts in shallot farming in Ketapang Village, Kademangan District, Probolinggo City as a community empowerment effort. Using a qualitative descriptive approach with case studies, this research involved 20 respondents consisting of 10 landowners and 10 cultivating farmers through in-depth interviews, non-participant observation, and documentation. The results show that muzara'ah practices have been implemented generationally through a 90:10 profit-sharing pattern based on oral agreements grounded in trust and kinship values, where landowners provide land, seeds, fertilizers, and other agricultural inputs, while cultivating farmers contribute labor and some equipment. The implementation of muzara'ah contracts is substantially in accordance with Islamic economic law principles, fulfilling the pillars and conditions including aqidain (100%), ma'qud 'alaih (85%), ijab qabul (100%), timeframe (95%), and profit-sharing proportion (100%), as well as applying the principles of an-taradhin (mutual consent), proportional justice, maslahah (public interest), and ta'awun (mutual cooperation). The integration of muzara'ah concepts has contributed to community empowerment through the enabling dimension with average income ≥IDR 5,000,000 per season allowing basic needs fulfillment and children's education, the empowering dimension with 85% farmers reporting improved cultivation knowledge, 90% capable of cost analysis, and 60% involved in farmer groups, and the protecting dimension that protects cultivating farmers from crop failure losses borne entirely by capital owners. However, challenges remain including lack of formal documentation (100% oral agreements), limited access to capital (75%), price fluctuations (90%), limited access to modern agricultural technology (65%), and limited understanding of muamalah fiqh aspects (35%).
Implementation of Sharia System in Sharia-Certified Hospitals Warsidi, Warsidi; Haqqi, Abdurrahman Raden Aji; Swadjaja, Isma
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14713

Abstract

DSN-MUI has granted Sharia certification to several entities that meet the criteria for being recognized as Sharia entities, including Muhammadiyah Hospital Lamongan. This hospital received the certificate from DSN-MUI with a score of 95% or an excellent rating, presented directly by KH. Ma’ruf Amin, the Chairman of MUI. This study aims to evaluate the implementation of Sharia principles at Muhammadiyah Hospital Lamongan, particularly inpatient services, based on maqasid shariah. The research employs a qualitative methodology, using data collection techniques such as observation, interviews, and documentation, which are then analyzed descriptively. The results indicate that the hospital has applied four mandatory provisions for Sharia hospital management according to the DSN-MUI Fatwa, including contracts, services, medications, food and beverages, cosmetics, other utility items, and fund management. Each provision is implemented by DSN-MUI standards and assessment criteria, demonstrating that Muhammadiyah Hospital Lamongan has successfully met the standards as a certified Sharia hospital and operates according to the established Sharia principles.
Co-Authors AA Sudharmawan, AA aditya rachman Aditya Rachman, Aditya Amalia, Diana Rizky Amalia Azis, Muhammad Fahmi Baidah, Zu bandi, Su Chamim Tohari Efendi, Mokhamad Erwinata, Christy Wahyuni Haqqi, Abdurrahman Raden Aji Hudzaifah Fawwaz muhammad alfi syahrin Muhammad Fahmi Azis Muridah Isnawati rapi, rusmin rusmin rapi Su bandi Suhartono SYAIFUL BAHRI Syamsiar, Syamsiar Warsidi Zu Baidah