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Kurniati, Novitri
Program Studi Agribisnis, Fakultas Pertanian, Universitas Muhammadiyah Bengkulu, Bengkulu
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Nursing Physics Public Health Social Sciences Transportation Veterinary Other

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SUMBER HUKUM ISLAM DAN SISTEM KEUANGAN SYARIAH Novitri Kurniati; Nabila Putri Sakinah; Salsabila, Salsabila
Journal of Islamic Economics and Finance Vol. 2 No. 3 (2026): Februari
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis sumber-sumber hukum Islam yang menjadi dasar sistem keuangan syariah serta menelaah konsistensi penerapannya dalam praktik keuangan modern di Indonesia. Metode penelitian yang digunakan adalah studi kepustakaan (library research) dengan pendekatan kualitatif deskriptif, melalui pengumpulan data dari literatur primer berupa Al-Qur’an dan Hadis, serta literatur sekunder seperti buku fiqh, jurnal ilmiah, fatwa DSN-MUI, dan karya akademik terkait ekonomi Islam, yang kemudian dianalisis menggunakan teknik analisis isi (content analysis). Hasil penelitian menunjukkan bahwa sistem keuangan syariah dibangun di atas empat sumber utama hukum Islam, yaitu Al-Qur’an, Hadis, Ijma’, dan Qiyas, yang berfungsi sebagai landasan normatif, etis, dan operasional dalam pengembangan instrumen keuangan syariah. Namun, dalam implementasinya masih terdapat tantangan berupa keragaman pemahaman, lemahnya literasi fikih muamalah, ketidaksinkronan antara fatwa dan regulasi nasional, serta dinamika perkembangan teknologi digital seperti fintech dan blockchain yang menuntut ijtihad kontemporer. Simpulan penelitian ini menegaskan bahwa sumber hukum Islam memiliki relevansi yang kuat dan fleksibel dalam mendukung pengembangan sistem keuangan syariah, dengan syarat adanya harmonisasi regulasi, penguatan sumber daya manusia, serta adaptasi terhadap perkembangan teknologi agar tetap sesuai dengan prinsip keadilan, transparansi, dan maqashid syariah.
Pengembalian Investasi pada Usahatani Selada Hidroponik dengan Metode Deep Flow Technique (DFT) dan Nutrient Film Technique (NFT) Afriyanti Afriyanti; Novitri Kurniati; Edi Efrita; Elni Mutmainnah
JIA (Jurnal Ilmiah Agribisnis) : Jurnal Agribisnis dan Ilmu Sosial Ekonomi Pertanian Vol. 9 No. 4 (2024)
Publisher : Department of Agribusiness, Halu Oleo University Jointly with Perhimpunan Ekonomi Pertanian Indonesia - Indonesian Society of Agricultural Economics (PERHEPI/ISAE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37149/jia.v9i4.1425

Abstract

People with limited land or in urban areas can use the land for plant farming using hydroponics. Hydroponics is farming using water enriched with plant nutrients as a growth media. This system has been popular due to its efficiency in using water, land, time, and space. It also allows plant growth quickly and under controlled conditions. One of the vegetables that has the potential to be cultivated with a hydroponic system is lettuce (Lactuca sativa L). The nutrients in vegetables, especially vitamins and minerals, cannot be substituted by staple foods so that they can suffice the need for vegetables for the community. This study analyzes the return on investment and profit in hydroponic lettuce farming. The research method is a case study, and the data analysis technique used is investment costs, variable costs, income production, Return on Investment (ROI), and Payback Period (PP). The results showed that the hydroponic farming Deep Flow technique (DFT) method incurred costs of Rp54.730.590,48 and income of Rp9.266.566,52, and the Nutrient Film Technique (NFT) method incurred costs of Rp59.655.572,78 and received income of Rp6.769.306,45. The DFT technique has a Return On Investment (ROI) value of 16.9%, the NFT technique is 10.9%, and the DFT technique has a Payback Period (PP) of 5.89, while the NFT is 9.13.
Co-Authors Afriyanti Afriyanti Agusalim Alda Lorenza Anjellina Putri, Tiara Anton Feriady Aprilia, Dea Ardelia Zamrizal, Niken Bayu Erlangga Bieng Brata BONITA, YESHA Cardila Vertiwi, Ezzy Chintia, Aksho Citra Damaiyanti, Denni Deka Saskia Ananta Denni Damaiyanti Dwi Apriliani Ningsih Dwi Fitriani Dwi Fitriani Dwi Fitriani Edi Efrita Edi Marwan Edy Marwan Elni Muthmainah Elni Mutmainnah Feni, Rita Fithri Mufriantie Gustiawan, Suci Hakim, Nurmeilisari Hasanawi Hasanawi Hasanawi Heri Dwi Putranto Heri Dwi Putranto Hervito, Fiqro Ajnus Ira Yunita Islamuddin Islamuddin Islamuddin Jafrizal Jafrizal Jeni Wandira Manulang Maheran Mulyadi Manullang, Jeni Marwan, Edy Mutmainah, Elni Nabila Putri Sakinah Nadia Puspita Sari Nensi Yuniarti Neti Kesumawati, Neti Nopita, Nopita Podesta, Fiana Prasetio Budi Putri Reza Utami Rahyatul Maida Rapi Pajri Ririn Harini Risa Hardiana Rita Hayati Salsabila, Salsabila Saputra, Riko Selpi Julianti Sutriyono Tiara Anjellina Putri Vivilia Pitaloka Wahyuni, Selvi Yawahar, Jon Yossie Yumiati