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Firm money in the approach to shariah economic law Nurnafilah, Hikmahtian; Kurniawati, Fitri
Journal Magister Ilmu Ekonomi Universtas Palangka Raya : GROWTH Vol. 10 No. 2 (2024): December 2024
Publisher : Fakultas Ekonomi dan Bisnis Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/grow.v10i2.18989

Abstract

The swift and unprecedented progress of scientific inquiry and technological innovation in the contemporary digital landscape has ushered in transformative and revolutionary shifts in the realm of financial transactions, whereby individuals no longer find it necessary to endure the tedious process of queuing in order to establish a savings account or to bide their time awaiting the issuance of an ATM card; instead, in this modern age, all that is required is the simple act of downloading an application and replenishing one’s balance, which facilitates immediate transactional capabilities. The outcomes derived from the comprehensive analysis indicate that the four electronic money platforms, namely BCA Sakuku, Link Aja, OVO, and GoPay, serve as significant representatives of their growing presence within the Indonesian market, warranting not only heightened scrutiny from regulatory authorities but also necessitating an in-depth examination from the perspective of Islamic jurisprudence, especially considering that a substantial proportion of the users engaging with these electronic monetary systems identify as Muslim. The emergence and proliferation of electronic money is an undeniable phenomenon that cannot be dismissed or overlooked, as it is intrinsically linked to the rapid pace of technological advancement, compelling the legal framework to adapt and align itself with the exigencies of progress inherent in this millennial epoch characterized by digitalization, speed, and precision; it is conceivable that physical currency may, in certain contexts, be rendered obsolete.
Species Distribution Model and Conservation of Mentaok (Wrightia javanica) in Indonesia Sutomo; Humaida, Nida; Wahab, Luthfi; Saputra, Muhammad Hadi; Kurniawati, Fitri; Atmaja, Muhammad Bima; Pujiono, Eko; Sukmawati, Jalma Giring; Hani, Aditya; Iryadi, Rajif; Herningtyas, Wieke; Wahyuningtyas, Reni Setyo
Jurnal Manajemen Hutan Tropika Vol. 31 No. 1 (2025)
Publisher : Institut Pertanian Bogor (IPB University)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.7226/jtfm.31.1.1

Abstract

The Alas Mentaok was a forest dominated by the mentaok tree (Wrightia javanica) that once existed in Yogyakarta, Java Island, Indonesia. This forest has cultural and historical value, as it is believed to be the first location to establish the Mataram Islam Kingdom in Java in 1582 AD. This study utilized species distribution models (SDMs) to investigate the species distribution pattern and assess its latest conservation status in Java and the Lesser Sunda Islands, Indonesia. The methodology used involved collecting occurrence and environmental data of W. javanica, conducting species distribution modeling using the maximum entropy algorithm, evaluating the model's accuracy, and performing an independent assessment of the area of occupancy (AOO) and extensive occurrence (EOO) using the geospatial conservation assessment tool (GeoCAT). While the number of suitable habitat areas for W. javanica in Yogyakarta is projected to decrease by 2100, the islands of Sumba and Timor are anticipated to experience an increase in the suitable habitat areas for the species during the same year. The analysis of BIOCLIM 34 indicates the mean moisture index of the warmest quarter plays a vital role in the current and future projections. AOO calculation in GeoCAT places this species in the endangered (EN) category, particularly within our regions of interest in Java and the Lesser Sunda Islands. Overall, a full assessment combining a habitat suitability model with current conservation status information would provide a more comprehensive understanding of mentaok's habitat preferences and current conservation status in Indonesia.
The Effect of Institutional Ownership, Managerial Ownership, Audit Committee, Audit Quality, and Audit Tenure on Financial Statement Integrity Kurniawati, Fitri; Trisnawati, Rina; Fatchan, Fuad Hudya
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2024: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.5333

Abstract

Purpose: This study aims to examine the effect of institutional ownership, managerial ownership, audit committee, audit quality, and audit tenure on the integrity of financial statements. This type of research is quantitative research. The population in this study were manufacturing companies in the consumer goods sector listed on the IDX for the period 2019- 2022. The sampling technique used in this study was purposive sampling and the final result of the data sample was 38 data with a research period of 4 years, so that the sample used was 138 data. Data analysis methods using SPSS by testing multiple linear regression analysis methods. The test results and analysis of research data obtained the conclusion that the audit quality variable has a significant positive effect on the integrity of financial statements variable. While the variables of institutional ownership, managerial ownership, audit committee and audit tenuree have no significant effect on the integrity variable of financial statements.
Implementasi Prinsip Syariah dalam Akad Asuransi Syariah Hafsah, Sariyah; Kurniawati, Fitri
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1193

Abstract

Sharia insurance is an insurance system that adheres to Islamic law in the process of its application and operation. Sharia insurance is a type of insurance that minimizes risk and reduces uncertainty. In every operation, including in the implementation of its contract, sharia insurance must adhere to sharia principles as contained in the Qur'an, hadith, and fatwa. To find out what principles need to be implemented in sharia insurance, this study was conducted with the aim of describing sharia principles in sharia insurance contracts. This research is a type of descriptive qualitative research. The results of this study show that this insurance has principles that must be held in its contract operations, namely unity, justice, ta'awun, cooperation, prohibition of usury, gharah, maisir.
Analisis Pendapatan Usahatani Jamur Tiram (Pleurotus Ostreatus) di Kapanewon Cangkringan Kabupaten Sleman Tafonao, Sarti Oberlian; Kurniawati, Fitri; Purwandari, Istiti
AGRIFITIA : Journal of Agribusiness Plantation Vol. 5 No. 1 (2025): MARET
Publisher : Program Studi Agribisnis INSTIPER Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55180/aft.v5i1.1503

Abstract

Oyster mushrooms are one type of plant that is widely cultivated and has economic value and is popular with many people because it is one of the foodstuffs that is good for health. This study aims to 1) determine the characteristics of oyster mushroom farmers, 2) Determine the average income of oyster mushroom farming, 3) Determine the factors that influence the income of oyster mushroom farming. This research was conducted in Kapanewon Cangkringan, Sleman Regency on June 1-27, 2024. The method used in this study is descriptive quantitative with the snowball sampling method. The results of the study from 25 sample farmers showed that the average income of oyster mushroom farming in one period (4 months) with a total of 2000 baglogs was Rp. 9,225,875, -. Factors that influence the income of mushroom farming are work experience and labor.
HUBUNGAN PENGETAHUAN, KONSUMSI CAIRAN DAN STATUS GIZI DENGAN STATUS HIDRASI PADA KURIR EKSPEDISI Kurniawati, Fitri; Sitoayu, Laras; Melani, Vitria; Nuzrina, Rachmanida; Wahyuni, Yulia
JURNAL RISET GIZI Vol 9, No 1 (2021): Mei (2021)
Publisher : Poltekkes Kemenkes Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31983/jrg.v9i1.6428

Abstract

Background: Hydration results from body fluids balance, while dehydration results from body fluids imbalance. Dehydration can result from losing too much water, not drinking enough or both of these things. There are certain job who has  special needs for fluids especially who works in hot environments.Objective: To determine the relationship between knowledge, fluid intake and nutritional status with hydration status in expedition couriers.Methods: A cross-sectional design with 44 expedition couriers as the research subject. Knowledge of fluids were obtained using a questionnaire, fluid intake were obtained by interview using repeated 24-h food recall, nutritional status were obtained by using BMI and the hydration status were obtained by urine specific gravity using urinalysis reagent strips. The data was processed and analyzed using Pearson correlation test.Results: Most of the respondents had sufficient knowledge (59.1%). The average fluid intake of the respondents were 2562 mL. Most of the respondents had normal nutritional status (45.4%). Almost half of respondents has pre-dehydration (45.5%). There  were arelationship between knowledge of fluids and hydration status (p=0,0001, r=-0,514), also between fluid intake and hydration status (p=0,0001, r=-0,685). There is no relationship between nutritional status and hydration status (p=0,337, r=0,148).Conclusion: Fluid intake and hydration status on expedition couriers are still not as expected, even though expedition couriers have sufficient knowledge. 
THE VALIDITY OF THE SALE AND PURCHASE CONTRACT WITH SHOPEE PAYLATER AS FINANCIAL TECHNOLOGY IN ISLAMIC LAW Aulia, Fira; Kurniawati, Fitri
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.13052

Abstract

Research aims: This study aims to analyze the validity of sale and purchase contracts using Shopee PayLater as a financial technology instrument from the perspective of Islamic law. Design/Methodology/Approach: This research employs a normative juridical approach with a statute-based method. Data were collected from primary legal materials such as fatwas, laws, and regulations, as well as secondary and tertiary legal sources. The study is descriptive in nature. Research findings: The findings reveal that Shopee PayLater does not meet the requirements set by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) as outlined in Fatwa No. 116/DSN-MUI/IX/2017 concerning Sharia Electronic Money. The feature contains ribawi elements through the imposition of interest (minimum 2.95% per month), a handling fee (1% of the transaction), and a late payment penalty (5% of the total amount), which contradict Islamic principles of fairness and transparency in transactions. Theoretical Contribution/Originality: This research contributes to the ongoing discourse on the intersection of Islamic legal norms and modern financial technology, especially regarding the legal status of Buy Now Pay Later (BNPL) systems in Indonesia. Practitioners/Policy Implications: The findings may serve as a reference for fintech companies, policymakers, and regulators in developing sharia-compliant digital financial products, and encourage re-evaluation of existing BNPL schemes to align with Islamic economic principles. Research Limitations/Implications: This study is limited to the legal analysis based on Indonesian regulations and DSN-MUI fatwas, and does not explore user perspectives or comparative international frameworks. Future research is recommended to include broader empirical and cross-jurisdictional insights.
Analisis Pengembalian Uang Belanja dengan Barang dalam Perspektif Islam (Studi Kasus: Penggunaan Permen sebagai Kembalian dalam Transaksi di Biru Swalayan, Desa Bebel, Kecamatan Wiradesa) Nurmulia, Rahmi; Kurniawati, Fitri
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 1 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i1.315

Abstract

Penelitian ini mengkaji praktik penggantian uang kembalian dengan barang di Biru Swalayan Kecamatan Wiradesa, Kabupaten Pekalongan, dari perspektif hukum dan etika Islam. Metode penelitian menggunakan analisis deskriptif kualitatif, dengan data primer dari wawancara konsumen dan pengelola swalayan, serta data sekunder dari literatur terkait. Hasil penelitian menunjukkan bahwa praktik ini masih sering terjadi dan berpotensi melanggar hak konsumen sesuai Undang-Undang Perlindungan Konsumen. Dalam perspektif Islam, penggantian kembalian dengan barang hanya dibenarkan jika ada kesepakatan dan nilai barang setara. Penelitian ini menyimpulkan perlunya peningkatan kesadaran pelaku usaha terhadap peraturan dan etika bisnis Islam, serta edukasi konsumen mengenai hak-haknya. Sistem pembayaran yang transparan dan penggunaan teknologi dapat menjadi solusi berkelanjutan.
Penilaian Tingkat Kerusakan Pohon dari Berbagai Famili di Kebun Raya Bogor Nabawiah, Safira; Reza Pamunca, Airres; Sri Wahyuni, Devi; Sukendro, Andi; Kurniawati, Fitri; Nina Herliyana, Elis; Noor Rachmadiyanto, Arief; Indra Putra, Erianto
Journal of Tropical Silviculture Vol. 16 No. 01 (2025): Jurnal Silvikultur Tropika
Publisher : Departemen Silvikultur, Fakultas Kehutanan dan Lingkungan, Institut Pertanian Bogor (IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/j-siltrop.16.1.9-19

Abstract

Kebun Raya Bogor (KRB) menarik banyak pengunjung setiap hari. Tingginya jumlah pengunjung ini menjadikan aspek keselamatan di dalam area KRB sangat penting untuk diperhatikan oleh pengelola. Deteksi dini terhadap kerusakan pohon diyakini berperan krusial dalam meminimalkan risiko serta menjaga lingkungan tetap aman. Forest Health Monitoring menyediakan informasi yang dapat membantu pengelola dalam menentukan strategi pemeliharaan dan perawatan pohon yang tepat. Penilaian kesehatan pohon dilakukan dengan mengevaluasi kerusakan pohon, yang meliputi lokasi, jenis, dan tingkat keparahannya. Berdasarkan hasil pemantauan, nilai Indeks Kerusakan pada Klaster 3, 5, dan 6 adalah 4,35; 4,55; dan 2,62, yang semuanya termasuk dalam kategori sehat. Jenis kerusakan yang paling umum ditemukan pada area koleksi liana adalah batang dan cabang yang patah atau mati, sedangkan jenis kerusakan yang paling jarang ditemukan adalah akar yang patah atau mati serta daun yang mengalami perubahan warna. Untuk menjaga kesehatan pohon dan mencegah kerusakan lebih lanjut, tindakan yang perlu dilakukan oleh pengelola mencakup pemangkasan, penyiraman, pemupukan, penyiangan gulma, serta pengendalian hama dan penyakit.
Akulturasi Hukum Islam dan Tradisi Lokal: Praktik Perkawinan dan Pewarisan di Komunitas Muslim Indonesia Kurniawati, Fitri; Furqon, Imahda Khoiri
MU'ASYARAH: Jurnal Kajian Hukum Keluarga Islam Vol 4, No 1 (2025): Maret
Publisher : UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mua.v4i1.8545

Abstract

Artikel ini mengkaji harmonisasi hukum Islam dan tradisi lokal dalam praktik perkawinan dan pewarisan di komunitas Muslim Indonesia, dengan fokus pada wilayah Pekalongan, Batang, dan Pemalang. Menggunakan pendekatan kualitatif berbasis studi literatur, penelitian ini menganalisis interaksi antara syariat Islam dan adat Jawa, seperti upacara siraman dalam perkawinan dan sistem pewarisan bilateral atau matrilineal. Temuan menunjukkan bahwa akulturasi ini menghasilkan praktik yang memperkaya nilai spiritual dan sosial, namun juga menghadapi tantangan berupa konflik nilai, pengaruh modernisasi, dan ketimpangan gender. Solusi seperti pendidikan agama yang inklusif, dialog antara ulama dan tokoh adat, serta pendekatan hukum fleksibel seperti takharrūj dan musyawarah keluarga terbukti efektif dalam menjembatani syariat dan adat. Penelitian ini menegaskan pentingnya pendekatan kontekstual untuk memastikan relevansi hukum keluarga Islam di tengah keragaman budaya Indonesia, sekaligus merekomendasikan studi lanjutan untuk memperkuat harmonisasi ini.
Co-Authors Ade Gunawan Aditya Hani Adnan Ahmed Usmani, Sheikh Agus Riyanto Ajeng Ayu Widiastuti Al Rajab, Muhammad Anak Agung Ayu Suresmiathi D., Anak Agung Ayu Andi Sukendro Andilah, Sultan Andri Soemitra Atmaja, Muhammad Bima Aulia, Fira Berghuis, Nila Tanyela DIAN LATIFAH, DIAN Dimas Deworo Puruhito, Dimas Deworo Dzikriansyah, Alief fikri Eduardus Budi Nursanto Eko Pujiono Elis Nina Herliyana Erianto Indra Putra Fadillah, Febriana Eka Fajar Kurniawan Fatchan, Fuad Hudya Furqon, Imahda Khoiri Hafsah, Sariyah Hanum, Tri Arfa Harun, Marheni Fadilah Hasiu, Teti Susliyanti Hasiu Hasmita, Hasmita Herningtyas, Wieke Humaida, Nida Hutami, Rosi Ibnu Pratikto Ihsan, Adi Muhammad Nur Imahda Khoiri Furqon Iqbal Maulana Ira Nurmala Iryadi, Rajif ISMAYANTIKA DYAH PUSPASARI, ISMAYANTIKA DYAH Ismiasih, Ismiasih Isnaini Harahap Jaenudin, Ujam Kurniawan, M. Fakih L. Lisnawati Laras Sitoayu Lestari, Agustina Ayu Listiyani, Listiyani Marbun, Wika Srihartati Maryana, Erma Mochamad Yusuf Alsagaff Muhammad Sodikin Munsir, Noviani Mustika, Shinta Musyarofah Zuhri Nabawiah, Safira Nafiah, Riska Ilma Nanda, Elsa Vera Nasrun, Efa Kelya Nasrun Natasya Stifani Noor Rachmadiyanto, Arief Noviady, Ikhsan Novitasari, Deltari Nurjanah, Danik Nurmulia, Rahmi Nurnafilah, Hikmahtian Nurwahidin Purnama, Andika Purwandari, Istiti Rachmanida Nuzrina Rania, Rania Fatrizza Pritami Reni Setyo Wahyuningtyas Reza Pamunca, Airres Rina Trisnawati Saputra, Muhammad Hadi Saputra, Wiwin Savila, Lisna Nisa Sri Wahyuni, Devi Suhendri, Yudi Sukmawati, Jalma Giring SUTOMO Tafonao, Sarti Oberlian Tawakal, Tawakal Tjokrokusuma, Donowati Tri Endar Suswatiningsih, Tri Endar Velisya, Reva Vitria Melani, Vitria Wahab, Luthfi Wahyuni, Yulia Widianingsih Widianingsih Widyastika, Della Witrin Gamayanti, Witrin