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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 Syarikat : Jurnal Rumpun Ekonomi Syariah JEECAE (Journal of Electrical, Electronics, Control, and Automotive Engineering) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ekonomi 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 Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Social Sciences

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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.
Co-Authors Fitria Nur Aini Hilman Saravian Iskawanto Hurriyatus Sa’idah Husnul Khotimah Ilmi Rizki Imaduddin Miswatun hasanah Rakhmad Gusta Putra Septiana Dwiputri Maharani Silviana Rohimah Sugiono, Sugiono