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All Journal ASAS : Jurnal Hukum Ekonomi Syariah Laa Maisyir Jurnal Ekonomi Islam Jurnal Media Hukum Jurnal Pilar Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Hukum Volkgeist Jurnal Ar-Ribh Jurnal Pengabdian Kepada Masyarakat Patikala Kanun: Jurnal Ilmu Hukum Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Journal of Family Law and Islamic Court
Mega Mustika
Universitas Muhammadiyah Makassar
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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THE JUSTIFICATION AND IMPLEMENTATION OF FINES ON CAPABLE CUSTOMERS IN ISLAMIC FINANCIAL INSTITUTIONS: A SHARIAH LAW PERSPECTIVE Mustika, Mega; Masuwd, Mowafg; Malik, Ridwan; Hasanuddin, Hasanuddin; Malik, Abdul
Kanun Jurnal Ilmu Hukum Vol 27, No 1: April 2025: Customary Law and development in Indonesia
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/kanun.v27i1.41277

Abstract

The imposition of fines on financially capable customers who delay installment payments in Islamic financial institutions presents a complex issue that necessitates justification in accordance with Shariah principles. This study examines the application of principles such as justice, legal compliance, and responsibility within the fine policies directed at these customers. It further assesses the degree to which the imposition of fines is accepted across various Islamic financial institutions and explores how existing regulations can be clarified to ensure adherence to Shariah principles. The fatwa issued by the Indonesias National Sharia Council of the Indonesian Ulema Council (DSN-MUI) permits the imposition of fines solely on financially capable customers who intentionally delay their payments. However, a significant challenge persists: the lack of a standardized criterion for identifying capable customers who should justly incur fines, including the specific duration of delinquency required before a fine is applied. Islamic banks fundamentally operate on the profit-sharing principle and do not inherently recognize fines in the same manner as conventional banks. Nevertheless, to mitigate customer negligence and maintain a balance between justice and legal compliance, some Islamic banks incorporate fines into their financing contracts. This practice remains contentious, primarily due to concerns that such fines may resemble riba qardh or riba nasiah, both of which are explicitly prohibited in Islam. This article contributes to the development of standardized guidelines for Islamic banks, facilitating the objective identification of capable customers and the implementation of fines in a manner that aligns with Islamic values.
Penguatan Literasi Green Economy Dan Keagamaan Melalui Pengabdian Masyarakat Berbasis Al-Islam Dan Kemuhammadiyahan Di PKBM Pra 02 Bontaeng Gowa Nadilla S; Mega Mustika; Dwi Nur Isra; Amirah Fauziah; Dhea Amelia; Windah Nur Syafitri; Andi Novianti; Nur Istiqomah; Almara Nataya Fausan; Hajratul Wahda; Nur Fadilah Ramadhani Putri; Fahriji Ulfa; Muh Irsan; Akbar Gusfiar; Futra, Futra; Muhammad Ardhan Arifin
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 2 No 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

Environmental crisis and limited religious knowledge in marginalized communities are significant challenges in creating sustainable development. This community service activity aims to strengthen understanding of Green Economy and Islamic values ​​through the Al-Islam and Muhammadiyah approaches at PKBM PRA 02 Bontaeng, Gowa. The method applied is a participatory qualitative approach, with stages of activity that include observation, program implementation (Green Economy workshop, training in crafts from used goods, and teaching the Koran), and evaluation. The results of this activity show an increase in participants' understanding of the Green Economy concept (from 80% who did not know to 78% who were able to explain), an increase in residents' ability to process waste into creative products, and the development of basic religious understanding in children. The practical da'wah approach has proven effective in meeting the socio-ecological needs of marginalized communities. This program reflects a holistic empowerment model and has the potential to be applied in areas with similar characteristics.
Program One Day One Mustahik (ODOM): Kolaborasi Mahasiswa dan LAZISMU dalam Penguatan Kepedulian Sosial Masyarakat Kota Makassar Syahrul Nasarudin; Mega Mustika; Eza Ramadhani; Muhammad Asril Arafah S; Nursam, Nursam; Ainun Rezkiyah Sarif; Raihana, Raihana; Mawar, Mawar; Nurfadhillah, Nurfadhillah; Arman, Arman
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 2 No 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

This community service activity was carried out as part of the implementation of the Al-Islam and Kemuhammadiyahan (AIK) course at Universitas Muhammadiyah Makassar. The purpose of the activity is to enhance students’ social awareness through collaboration with LAZISMU in the One Day One Mustahik (ODOM) program. This program is designed to directly distribute assistance to mustahik groups such as street children, orphanage residents, becak drivers, parking attendants, and underprivileged communities in Makassar City. The method used is Participatory Action Research (PAR), which emphasizes the active involvement of students in all stages of the activity, from planning and implementation to evaluation. A total of 50 boxed meals and 20 basic food packages were directly distributed to several target points with full support from the LAZISMU team. The results of the activity show an increase in social awareness, communication skills, and the strengthening of students’ empathy towards social realities. On the other hand, the beneficiary communities felt tangible benefits both materially and morally. This collaboration has proven effective as a model of community service that integrates Islamic values, character education, and social action. The ODOM program is recommended as a model for service-based learning to be sustainably implemented within the Muhammadiyah campus environment.
Membangun Rasa Empati Dan jiwa Sosial Di Era Digital Nur Ashabul Khafi; Mega Mustika; Ahmad Nurfauzi Budiamin; Evi Tri Utami; Arham, Arham; Feri Eko Putra; Nur Ainun; Ulfi Arvina; Fatmawati, Fatmawati; Meily Meliyani; Nadia Mutmainnah; Asrah Anjani; Sri Putri Wahyuni; Annisa Nurul Fajri; Aliah Tri Saniyah; Syahratul Janna
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 2 No 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to examine how the use of digital technology can support the development of empathy and social awareness among children in orphanages. The research was conducted at Sejati Muhammadiyah Orphanage in Makassar using a descriptive qualitative approach. Data were collected through in-depth interviews, participatory observation, and document analysis. The findings indicate that digital media plays a significant role as a tool for social education, a means of expressing empathy, and a platform for children's virtual participation in humanitarian activities. The children demonstrated increased social awareness through the consumption of inspirational content and active involvement in digital-based social campaigns. Furthermore, empowerment through digital skills training and ethical media guidance helped strengthen empathy and social responsibility values. The study concludes that the wise and guided use of technology within the orphanage environment can be an effective strategy for fostering social character among youth in the digital era.
Financing Credit Home Ownership Through Contract Murabahah in Sharia Financial Institutions Ingka, hasanuddin; Ridwan, Muhammad; Mustamin, Siti Walidah; Mustika, Mega
ASAS Vol. 16 No. 1 (2024): Asas, Vol. 16, No. 01 Juni 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v16i1.22609

Abstract

This research aims to analyze home ownership credit (KPR) financing through murabahah contracts at sharia financial institutions. Murabahah contracts are one of the popular financing instruments in sharia banking because of their transparent and fair principles, and in accordance with Islamic sharia which avoids usury and gharar. Through qualitative descriptive methods, this research identifies the operational mechanisms of murabahah contracts in mortgage financing, examines the benefits offered, and evaluates the challenges faced by sharia financial institutions in their implementation. The research results show that murabahah contracts provide various benefits for customers, such as price certainty and fixed installments, which makes financial planning easier. In addition, transparency in the transaction process increases customer trust in Islamic financial institutions. However, this research also found several challenges, including quite high credit risk, the need for a better understanding of sharia products among the public, and compliance with strict regulations.Keywords: KPR financing; Murabahah Agreement; Sharia Financial Institutions; Credit Risk; Community Education
Co-Authors Abdul Malik Ahmad Nurfauzi Budiamin Ainun Rezkiyah Sarif Akbar Gusfiar Aliah Tri Saniyah Almara Nataya Fausan Amirah Fauziah Andi Novianti Annisa Nurul Fajri Arham Arham, Arham Arman Arman Asrah Anjani Danang Wahyu Muhammad Dhea Amelia Dwi Nur Isra Evi Tri Utami Eza Ramadhani Fahriji Ulfa Fakhruddin Mansyur Fatmawati, Fatmawati Feri Eko Putra Futra, Futra Hajratul Wahda Hasanuddin Hasanuddin Hasanuddin, Hasanuddin Ingka, Hasanuddin Jasri, Jasri M Amin, M Masuwd, Mowafg Mawar Mawar, Mawar Meily Meliyani Muh Irsan Muhammad Ardhan Arifin Muhammad Asril Arafah S Muhammad Ridwan Mustamin, Siti Walidah Mustamin, Siti Walidah Nadia Mutmainnah Nadilla S Nur Ainun Nur Ashabul Khafi Nur Fadilah Ramadhani Putri Nur Istiqomah NURFADHILLAH NURFADHILLAH, NURFADHILLAH Nursam Nursam Raihana, Raihana Ridwan Malik S, Abdillah Samsuriadi Satriani Is, Sitti Sri Putri Wahyuni St. Salehah Madjid Syahratul Janna Syahrul Nasarudin Ulfi Arvina Ummu Khair Wahdaniah Wijayanti, Tuti Windah Nur Syafitri Yati BT Samsuddin