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All Journal Ulul Albab: Jurnal Studi Islam IQTISHODUNA DE JURE El Dinar MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal Ekonomi dan Bisnis Islam JURISDICTIE Jurnal Hukum dan Syariah Resona : Jurnal Ilmiah Pengabdian Masyarakat Adzkiya : Jurnal Hukum dan Ekonomi Syariah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH An-natiq Jurnal Kajian Islam Interdisipliner Muslim Heritage IIJSE
Umrotul Khasanah
Fakultas Ekonomi UIN Maliki Malang Telepon: 08179642872 Email: umrotul_kh@Yahoo.com
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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

Abstract

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

Abstract

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

Abstract

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

Abstract

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).
Co-Authors Ainorrofiqie, Ainorrofiqie Amani, Nazwa Nur Ch., Mufidah Djalaluddin, Akhmad Dzikrullah, Harits Dijani Evi Sebtianita, Evi Fatmawati, Meilinda Nur Rasyida Hisnidah, Mukaromatul Jakfar Shodiq Khusnia, Chinta Khusnudin Khusnudin, Khusnudin Mansyur, Abdussalam Meldona Misbahul Munir Moi, Roiyyan Mohammad Muhammad Djakfar Novianti, Irohdatul Nur Asnawi Qurani, Adz Dzikroh Aliya Rahmawati, Alvi Triyatno, Ghazy Wicaksono, Ahmad Tibrizi Soni