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Hybrid Contract pada Syariah Card dalam Perspektif Ekonomi Islam Khusnia, Chinta; Khasanah, Umrotul; Khusnudin, Khusnudin; Hisnidah, Mukaromatul
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 1 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v13i1.8567

The development of Islamic finance by following today's technology must be considered carefully. need for special attention. The use of technology in Islamic finance is a very significant challenge in adjusting Islamic economic law with implementation in the field. One way to face the current challenges is none other than by following the market share, namely by creating a balance model in transactions. Hybrid Contract (Multi Akad) is a new breakthrough in the application of fiqh muamalah in the contemporary era in Islamic finance. In today's modern era, people tend to prefer using non-cash transactions, one of which is transactions through Sharia cards. This article examines the application of Hybrid contracts to the use of Sharia cards using the literature study research method. The data collection technique is to examine theories or opinions and ideas contained in printed media, especially books and articles or journals that support and are relevant to the issues discussed in the study. The purpose of this study is to analyze the legal theory in the perspective of muamalah fiqh in Islamic economics related to the use of Sharia cards using descriptive library research. By drawing the conclusion that every muamalah activity is permissible as long as there is no law prohibiting it as well as hybrid contract contracts or multi-contracts on Sharia products. Sharia Card is allowed by using kafalah, ijarah, and qardh contracts in it and there is a DSN MUI Fatwa No. 54/DSN-MUI/X/2006 regarding sharia cards: 54/DSN-MUI/X/2006 regarding sharia cards (sharia credit cards) that regulate their use.

Hybrid Contract pada Syariah Card dalam Perspektif Ekonomi Islam Khusnia, Chinta; Khasanah, Umrotul; Khusnudin, Khusnudin; Hisnidah, Mukaromatul
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 1 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v13i1.8567

The development of Islamic finance by following today's technology must be considered carefully. need for special attention. The use of technology in Islamic finance is a very significant challenge in adjusting Islamic economic law with implementation in the field. One way to face the current challenges is none other than by following the market share, namely by creating a balance model in transactions. Hybrid Contract (Multi Akad) is a new breakthrough in the application of fiqh muamalah in the contemporary era in Islamic finance. In today's modern era, people tend to prefer using non-cash transactions, one of which is transactions through Sharia cards. This article examines the application of Hybrid contracts to the use of Sharia cards using the literature study research method. The data collection technique is to examine theories or opinions and ideas contained in printed media, especially books and articles or journals that support and are relevant to the issues discussed in the study. The purpose of this study is to analyze the legal theory in the perspective of muamalah fiqh in Islamic economics related to the use of Sharia cards using descriptive library research. By drawing the conclusion that every muamalah activity is permissible as long as there is no law prohibiting it as well as hybrid contract contracts or multi-contracts on Sharia products. Sharia Card is allowed by using kafalah, ijarah, and qardh contracts in it and there is a DSN MUI Fatwa No. 54/DSN-MUI/X/2006 regarding sharia cards: 54/DSN-MUI/X/2006 regarding sharia cards (sharia credit cards) that regulate their use.

MEMBANGUN QARYAH THAYYIBAH: MASYARAKAT BERDAYA BEBAS RENTENIR PASCA PANDEMI COVID-19 Khasanah, Umrotul; Ch., Mufidah; Wicaksono, Ahmad Tibrizi Soni; Dzikrullah, Harits Dijani; Amani, Nazwa Nur; Moi, Roiyyan Mohammad; Qurani, Adz Dzikroh Aliya
RESONA : Jurnal Ilmiah Pengabdian Masyarakat Vol 8, No 1 (2024): June
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/resona.v8i1.1956

Penggunaan praktik peminjaman dari rentenir sering kali terkait dengan eksploitasi ekonomi, terutama di kalangan masyarakat yang memiliki keterbatasan dalam mengakses lembaga keuangan formal. Di beberapa wilayah di Indonesia, seperti di Kelurahan Merjosari, kecamatan Lowokwaru, Kota Malang, praktik ini masih berlangsung dan bahkan semakin meningkat setelah terjadinya ketidakstabilan ekonomi masyarakat pasca pandemi Covid-19. Oleh karena itu, tujuan dari kegiatan pengabdian masyarakat ini adalah memberikan bimbingan kepada masyarakat agar dapat melepaskan diri dari praktik rentenir dan mengembalikan daya ekonomi mereka. Program ini menggunakan metode Participatory Action Research (PAR). Hasil dari kegiatan pengabdian ini menunjukkan bahwa program pemberdayaan berdampak positif pada peningkatan pendapatan dan kesejahteraan masyarakat. Masyarakat yang sebelumnya terjebak dalam utang rentenir berhasil mendirikan koperasi ekonomi yang berkelanjutan dengan prinsip ekonomi syariah. Tindak lanjut dari program ini melibatkan kegiatan pemantauan dan evaluasi yang berkelanjutan, pelatihan kompetensi, pengembangan koperasi, dan sosialisasi literasi keuangan. Kegiatan ini juga menggarisbawahi pentingnya partisipasi aktif masyarakat dan peran pemerintah dalam mendukung pemberdayaan sehingga masyarakat dapat menjadi masyarakat yang mandiri secara ekonomi. Abstract. Using lending practices from loan sharks is often associated with economic exploitation, especially among people with limited access to formal financial institutions. This practice is still ongoing in several areas in Indonesia, such as in Merjosari Village, Lowokwaru subdistrict, and Malang City. It is even increasing following the economic instability of the community after the Covid-19 pandemic. Therefore, this community service activity aims to guide the community so that they can free themselves from the practices of loan sharks and restore their economic power. This program uses the Participatory Action Research (PAR) method. The results of this service activity show that the empowerment program has a positive impact on increasing community income and welfare. Communities previously trapped in loan shark debt succeeded in establishing a sustainable economic cooperative based on Sharia economic principles. The follow-up to this program involves ongoing monitoring and evaluation activities, competency training, cooperative development, and financial literacy outreach. This activity also underlines the importance of active community participation and the role of government in supporting empowerment so that communities can become economically independent.

Lalabet Financial Analysis: Study of Islamic Economics at Micro Level Ainorrofiqie, Ainorrofiqie; Khasanah, Umrotul; Djalaluddin, Akhmad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 4 No 1 (2021): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v4i1.1506

This research aims to explore the model of financial management tradition Lalabet in the village of Babbalan District Batuan Sumenep. This study is based on the fact that occurred in the community about the implementation of traditions carried out by the heirs to family members who died. Interpretative qualitative research is used and an in-depth understanding of a problem that occurs is emphasized more. Based on the results of this study, the financial management tradition Lalabet can be done based on accounting equations. The accounts contained in the accounting equation is not used in its entirety and are reported as are generally financial statements. In this case, the source of funds in carrying out Lalabet tradition is sourced from personal money, money and donations from the family, money from Muslimat, debt, and money or goods from Lalabet's proceeds. The impact is the onset of debt both short-term and long-term. While the expenditure is in the form of costs in taking care of the body, costs for tahlilan (petto'arean), pa'polo, nyatos, nyataon, nyaebu, mangaji, ngin-tangin, nyalenin mayyid, and ajege makam (kep-sekep).

HYBRID CONTRACT PADA JUAL BELI ONLINE: IMPLEMENTASI AKAD KHIYAR Riansyah, Bima; Az Zahra, Saffanah; Khasanah, Umrotul; Masitoh, Dewi; Firmansyah, Firmansyah
Jurnal Education and Development Vol 14 No 1 (2026): Vol 14 No 1 Januari 2026
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37081/ed.v14i1.7630

Penelitian ini membahas konteks multi kontrak di era modern yang telah mengalami berbagai inovasi, terutama penggunaan kontrak hybrid atau multi kontrak. Penelitian ini membahas konteks multi kontrak di era modern yang telah mengalami berbagai inovasi, terutama penggunaan kontrak hybrid atau multi kontrak. Terjadi kerusakan yang terjadi pada produk yang telah ditransaksikan dan keterlambatan pengiriman barang oleh penjual yang merugikan konsumen seperti yang terjadi pada transaksi jual beli online. Terjadi kerusakan yang terjadi pada produk yang telah ditransaksikan dan keterlambatan pengiriman barang oleh penjual yang merugikan konsumen seperti yang terjadi pada transaksi jual beli online. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan tinjauan pustaka yang berisi ulasan, ringkasan dan pemikiran peneliti dari beberapa sumber literatur terkait. Penelitian ini memperoleh hasil bahwa kontrak hybrid dapat digunakan dalam jual beli online dengan kontrak khiyar 'aib dan khiyar ru'yah. Pelaksanaan kontrak khiyar dalam transaksi jual beli online adalah penerapan pengembalian barang dari pembeli dan pengembalian dana oleh penjual.

MONOPOLI (IHTIKAR) DALAM EKONOMI ISLAM DAN IMPLEMENTASINYA PADA REGULASI PERSAINGAN USAHA DI INDONESIA Sandy, Niken Baramurti Evieta Enggar; Khasanah, Umrotul
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.10998

This study discusses the prohibition of monopolistic practices (ihtikar) from an Islamic economic perspective and its relevance to the implementation of business competition regulations in Indonesia. The purpose of this study is to analyze the compatibility between Islamic economic principles that emphasize justice, balance, and welfare with the provisions of positive law stipulated in Law Number 5 of 1999 concerning the Prohibition of Monopolistic Practices and Unfair Business Competition. The research method used is qualitative with a library research approach through analysis of various secondary sources such as books, scientific journals, and laws and regulations. The results show that Islam strictly prohibits the practice of ihtikar because it can create economic inequality, reduce public welfare, and violate the principles of justice and welfare. Meanwhile, national regulations through the role of the Business Competition Supervisory Commission (KPPU) have a similar goal, namely preventing market domination and ensuring the creation of healthy competition. However, the implementation of this policy still faces challenges, particularly in the context of the digital economy and weak law enforcement. Thus, the integration of Islamic economic values in business competition regulations is necessary to strengthen the moral and ethical aspects of business, so as to create an economic system that is just, ethical, and oriented towards the welfare of society.

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