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Implementasi Model Bisnis Syariah dalam Pengembangan Tanah Kavling Tanpa Riba: Studi Kasus pada PT Rezky Syariah Abadi Muhammad Al-Jazary; Muhammad Rifki; Dwi Fathu Maharani; Aspira Delina
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 4 (2025): November 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i4.378

Abstract

This study aims to analyze the implementation of the sharia business model in the development of interest-free land plots at PT Rezky Syariah Abadi, a sharia-based property developer that applies the principles of No Riba, No Penalty, No Seizure, and No Gharar throughout its transactional processes. Using a descriptive qualitative approach, data were collected through in-depth interviews with management and consumers, direct observation of operational practices, and document analysis of contracts and company policies. The findings indicate that PT Rezky Syariah Abadi consistently applies sharia principles, particularly through the use of transparent ba’i (sale) contracts, fixed-price installment schemes without interest, and a humanistic approach in addressing payment delays through negotiation and rescheduling rather than penalties. This implementation aligns with the rules of fiqh muamalah and the objectives of sharia (maqasid al-shariah), especially in terms of justice, welfare, and the protection of consumer assets. However, challenges remain, including low public literacy regarding sharia-compliant property concepts and the absence of specific government regulations governing non-bank sharia developers. Therefore, enhancing consumer education and strengthening human resource capacity are essential to maintaining the quality and sustainability of the sharia business model. This study contributes theoretically to contemporary sharia business model literature and offers a practical framework for sustainable and ethically grounded sharia-based property development.
Important value index (IVI) and diversity of mangrove vegetation in Aceh Tamiang, Aceh Province Irma Dewiyanti; Muhammad Rifki; Chitra Octavina; Maria Ulfa; Adrian Damora; Nurfadillah Nurfadillah
Depik Vol 12, No 2 (2023): AUGUST 2023
Publisher : Faculty of Marine and Fisheries, Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.13170/depik.12.2.31130

Abstract

Mangrove ecosystem is one of the unique ecosystems that has high productivity and it grows along the coast of Aceh Province, Indonesia. The mangrove vegetation in Aceh Tamiang District was decreasing due to human exploitation i.e. stems of mangrove vegetation utilized by local communities become charcoal and firewood. These activities have a negative impact on live and growth of mangrove vegetation. Therefore, the purposes of the study are to analyses the important value index (IVI), mangrove species diversity, and to analyses the correlation between substrate characteristics with mangrove density. The research stations determined using the purposive sampling method and each station has three plots as replication. There were 4 research stations located in Seruway, Bandahara, Banda Mulia, and Manyak Paye sub districts. The study reported 12 species of mangrove in the trees category, 9 species of saplings, and 8 species of seedlings. The 12 species of mangroves found were Avicennia lanata, A. marina, A. officinalis, Brugeira parviflora, B. sexangula, Ceriops decandra, C. tegal, Lumnitzera recomosa, Nypa fruticans, Rhizopora apiculata, R. stylosa, and Sonneratia alba. The R. apiculata was species commonly found in each sampling location and it had highest IVI for the tree, sapling and seedling categories with the value of 207.24, 300, and 200, respectively. The average of diversity index was 1.56 categorized in the medium category. The moment Pearson correlation showed there was no significant correlation between the physical-chemical water parameters and substrate with the density of mangrove where Psig0.05.Keywords:Mangrove vegetationImportant value indexDensityDiversityAceh Tamiang