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All Journal Teosofi: Jurnal Tasawuf dan Pemikiran Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa Al-Banjari : Jurnal Ilmiah Ilmu-Ilmu Keislaman AT-TURAS: Jurnal Studi Keislaman Syarikat : Jurnal Rumpun Ekonomi Syariah JEECAE (Journal of Electrical, Electronics, Control, and Automotive Engineering) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah GUYUB: Journal of Community Engagement Jurnal Ekonomi IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Jurnal Ekonomi Syariah Indonesia Indonesian Journal Economic Review (IJER) ISJOUST Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Nurul Huda
Universitas Nurul Jadid
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Social Sciences Other

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A Fiqh Muamalah Analysis of Contractual Practices in the E-Bekal Payment System at Nurul Jadid Islamic Boarding School Hurriyatus Sa’idah; Nurul Huda
Indonesian Journal Economic Review (IJER) Vol. 6 No. 2 (2026): June
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ijer.v6i2.805

Abstract

This study examines the implementation of contracts within the E-Bekal digital payment system used by students at Nurul Jadid Islamic Boarding School from the perspective of fiqh muamalah. The rapid development of Sharia-based financial technology in Islamic boarding schools has encouraged the adoption of cashless payment systems; however, previous studies have predominantly focused on digitalization effectiveness, consumer behavior, and financial management, while limited attention has been given to the analysis of multi-contract practices embedded in pesantren-based digital payment systems. This research therefore addresses the gap by specifically analyzing the integration of wadi’ah, bai’, and wakalah contracts within the E-Bekal platform. This study employs a qualitative approach using a case study design. Data were collected through in-depth interviews, observations, and documentation involving system administrators, cooperative officials, student guardians, and student users. The findings reveal that the operational mechanism of E-Bekal consists of balance top-ups by guardians, digital fund storage, and payment transactions within the pesantren business units. These practices reflect the application of wadi’ah in the deposit and storage of funds, bai’ in purchasing transactions, and wakalah in the management of the payment system. The study further finds that the integration of these contracts forms a Sharia-compliant digital financial ecosystem that promotes transparency, financial control, and transaction efficiency while remaining free from elements of riba and gharar. The novelty of this study lies in its comprehensive fiqh muamalah analysis of a pesantren-based digital payment ecosystem through a multi-contract approach. Academically, this study contributes to the development of Sharia fintech discourse, particularly regarding the adaptation of Islamic commercial law within contemporary digital payment systems in Islamic educational institutions.
IMPLEMENTASI KONSEP HOMO ISLAMICUS MONZER KAHF DALAM ENTERPRENEURSHIP KIAI MAHMUD ALI ZAIN Nurul Huda
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 6 No. 2 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v6i2.7931

Abstract

Islam sebagai agama yang menghendaki keseimbangan hidup antara dunia dan akhirat, tentu kesejahteraan sebagai tujuan kegiatan ekonomi juga meliputi dua kehidupan tersebut. Dalam homo islamicus Monzer Kahf, kegiatan ekonomi Islam tidak mengutamakan kepuasan, melainkan mendahulukan kepentingan dalam kenyamanan orang lain dan tidak saling merugikan agar menciptakan masyarakat seimbang yang di dalamnya hanya berharap mendapatkan ridla Allah SWT. Dengan menggunakan literatur karya-karya Kahf, artikel ini berusaha mengurai implemetasi nilai-nilai homo islamicus seperti rasionalitas, seimbang, konsepk kepemilikan barang, dan etika ekonomi dalam kehidupan nyata. Hasil penelitian ini menemukan kesesuaian enterprenuership Kiai Mahmud Ali dalam mendirikan badan usaha – badan usaha yang berbasis syariah dengan konsep homo islamicus Kahf, salah satunya berupa Bait al-Mal Wa al-Tamwil (BMT). Praktik Enterpreneurship Kiai Mahmud menggambarkan keteguhan memegang keyakinan homo islamicus bahwa Tuhan merupakan pemilik alam semesta dan pembuat hukum tertinggi, sementara manusia hanya berikhtiar dengan legitimasi kerja keras sebagai sebuah kebajikan. Kata Kunci: Homo Islamicus, Enterpreunership, dan Ekonomi Syari’ah.
THE ROLE OF DIGITAL FINANCIAL LITERACY IN SHAPING BEHAVIORAL INTENTION TO USE DIGITAL PAYMENTS AMONG MSMES Husnul Hotimah; Nurul Huda
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.409

Abstract

Digital transformation in the financial sector has driven the use of digital payments as one of the important instruments in enhancing efficiency and financial inclusion for MSMEs. However, the level of digital payment adoption among MSMEs still faces various challenges, particularly related to the digital financial literacy of business actors. This study aims to analyze the influence of digital financial literacy on the interest in using digital payments among MSME actors in Jambesari Darussholah District, Bondowoso Regency. This study uses a quantitative approach with an explanatory survey method involving 80 respondents from MSME actors. Data were collected thru a structured Likert scale questionnaire and analyzed using simple linear regression analysis. The research results show that digital financial literacy has a positive and significant effect on the interest in using digital payments (t value = 9.172; sig. = 0.000), with a contribution of 51.9% (R² = 0.519). These findings imply the need for enhanced digital financial literacy education programs for MSME actors to encourage the accelerated adoption of digital payments in semi-rural areas.
Ontologi Kekerasan dan Relasinya dengan Agama dalam Perspektif Hasrat Mimesis Rene Girard Nurul Huda; Siti Murtiningsih
JURNAL AT-TURAS Vol 7, No 1 (2020): Sosiologi Agama dan Tafsir Keindonesiaan
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (295.827 KB) | DOI: 10.33650/at-turas.v7i1.939

Abstract

Religion as the largest ritual and social institution with the highest quantity of adherents among other institutions is often used as a justification for various violent behaviors. However religious leaders and adherents reject the relationship between religion and violence, the fact is that many subjects of violence act on certain religions. This article seeks to explore the relationship between them through Rene Girard's mimetic theory. In mimetic theory, violence is described as a consequence of the triangle of desire; subjects, mediators, and objects. The relationship in the triangle of desire shows disharmony, which is a rivalry that results in violence between the two desires of the subject and the mediator in getting the same exclusive object. Girard found how violence formed to its resolution by presenting sacrifice or third-party intervention called scapegoats, through stories contained in scriptures such as Cain and Abel. The concept of sacrifice is the foundation of the creation of sacred in religion and values about good and evil or obligations and prohibitions. The intimacy of religion and violence shows the importance of religion returning to the public sphere as a controller of violence whose role is privatized as a result of modernization but is often blamed in a variety of violence in favor of particular religions.Keywords: Mimetic Desire, Violence, Religion
Peningkatan Taḥsîn al-Qur’ân melalui Hafalan Kitab Tuhfat Al-Athfal di TPQ. Assalafiyah, Darul Furqon, dan Himmatul Qur’an Probolinggo Nurul Huda; Zainul Ibed; Ahmad Fauzi Hasan; Sulthon Zainul Basari; Robert Danil Matin; Aris Sandi
GUYUB: Journal of Community Engagement Vol 6, No 1 (2025): Maret
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/guyub.v6i1.10356

Abstract

The obligation to learn proper Quranic recitation (taḥsīn al-Qur'ān) according to Tajweed rules applies to all Muslims. However, many still struggle to read the Qur'an correctly. The main challenges faced by taḥsīn al-Qur'ān learners include understanding recitation rules, memorizing Tajweed laws, and correctly applying makhraj and ṣifat of letters. These difficulties are also experienced by students at TPQ Assalafiyah, Darul Furqon, and Himmatul Qur’an in Alastengah Village. This community service program applies the Participatory Action Research (PAR) approach to enhance students' taḥsīn al-Qur'ān skills through learning based on the Tuhfatul Athfal Tajweed book. The program actively involves students, teachers, and facilitators in problem identification, planning, implementation, and evaluation. The methods include repetitive memorization of nazam (drilling), recitation demonstrations, and classical exercises over one week. Evaluation follows Bloom’s Taxonomy, covering cognitive, affective, and psychomotor aspects. The results indicate that the participatory approach using PAR effectively improves students’ understanding and skills in taḥsīn al-Qur'ān. Students find it easier to comprehend Tajweed rules, recognize makhraj and ṣifat of letters, and apply them correctly in Quranic recitation. Thus, this method serves as an effective alternative for enhancing Quranic learning quality in TPQ settings.
Analyzing The Impact of Import Tariff Policy on Indonesia’s Economy: An Ibnu Khaldun Fiscal Framework Sitti Aisyah; Nurul Huda
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Volume 5 Nomor 1 Tahun 2026
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v5i1.215

Abstract

This study analyses the import tariff policy implemented by Donald Trump, specifically the initial 32% tariff on Indonesia that was later negotiated down to 19%, and its subsequent impact on the Indonesian economy as seen through the lens of Ibnu Khaldun. The policy aims to protect the U.S. domestic industry and reduce the trade deficit; however, it has significant implications for trading partner countries, including a decline in export competitiveness, the risk of layoffs, and potential trade imbalances. This study employs a qualitative approach and a literature review method. The primary data source is Ibn Khaldun's Muqaddimah, and secondary data is obtained from scientific journals, economic reports, and reliable media outlets. Content analysis is used to link the concepts of tax (al-jibayah), the cycle of civilization, and the fiscal burden in Ibn Khaldun's thinking with the reality of contemporary import tariff policies. The results show that, although reducing tariffs from 32% to 19% mitigated the short-term socioeconomic impact, including the threat of mass layoffs, these tariffs contradict Ibn Khaldun's fiscal principles. His principles emphasize light taxation, fairness, and efficiency to encourage economic productivity. High tariffs have the potential to weaken trade activity, hinder industrial growth, and create structural dependence.
Co-Authors Ahmad Fauzi Hasan Aris Sandi Fitria Nur Aini Hilman Saravian Iskawanto Hurriyatus Sa’idah Husnul Hotimah Husnul Khotimah Ilmi Rizki Imaduddin Miswatun hasanah Rakhmad Gusta Putra Robert Danil Matin Septiana Dwiputri Maharani Silviana Rohimah Siti Murtiningsih Sitti Aisyah Sugiono, Sugiono Sulthon Zainul Basari Zainul Ibed