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All Journal GEMBIRA (Pengabdian Kepada Masyarakat) PEDAMAS (Pengabdian Kepada Masyarakat) Jurnal Pengabdian Masyarakat dan Riset Pendidikan Ipso Jure Journal of Islamic Economy
Ika Hartika
IAIN Takengon
Religion Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Energy Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Building Ethical Business: Islam's Contribution to Facing Modern Economic Challenges Ika Hartika; Masruri Masruri; Nurhikmah Nurhikmah; Sitti Aisya
Journal of Islamic Economy Vol. 2 No. 1 (2025): MARCH-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/v0vy2g13

Abstract

This study aims to examine the contribution of Islamic business ethics in facing modern economic challenges and how these ethical principles can help build ethical businesses. The method used is Systematic Literature Review (SLR), which aims to identify, evaluate, and synthesize findings from literature relevant to this topic. The first step is to formulate research questions related to modern economic challenges and the contribution of Islamic business ethics. Next, relevant literature is selected with inclusion and exclusion criteria, and then analyzed to provide a deep understanding of the solutions offered by Islam. The results of the study show that Islamic business ethics emphasizes moral principles such as honesty (ṣidq), justice ('adl), amanah, and social responsibility. Business in an Islamic perspective is not only oriented towards material profit, but also aims to obtain blessings and social welfare. These principles prohibit detrimental practices such as usury, gharar, and maysir, and encourage the implementation of zakat, infaq, and waqf to overcome economic inequality. In addition, the application of sharia principles in modern business, as applied by sharia fintech and halal marketplace, shows that businesses can operate ethically and have a positive impact on society. Thus, this study underlines the importance of implementing Islamic business ethics to create sustainable, ethical, and fair businesses, as well as a relevant model for public policy in facing global economic challenges.
PENDAMPINGAN PENYUSUNAN PROPOSAL PENELITIAN ILMU EKONOMI BAGI SISWA MADRASAH MELALUI PROGRAM MYRES DI KABUPATEN ACEH TENGAH Ika Hartika
Jurnal Gembira: Pengabdian Kepada Masyarakat Vol 3 No 06 (2025): DESEMBER 2025
Publisher : Media Inovasi Pendidikan dan Publikasi

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Abstract

Program Madrasah Young Researchers Supercamp (MYRES) merupakan inisiatif strategis Kementerian Agama Republik Indonesia dalam menumbuhkan budaya riset di lingkungan madrasah. Namun, masih banyak siswa madrasah yang mengalami kesulitan dalam menyusun proposal penelitian sesuai kaidah ilmiah, khususnya pada aspek perumusan masalah, kajian pustaka, dan metodologi penelitian. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan keterampilan riset siswa madrasah melalui pendampingan penyusunan proposal penelitian bidang ilmu ekonomi di Kabupaten Aceh Tengah. Metode yang digunakan adalah pendekatan partisipatif-edukatif dengan model pendampingan terstruktur meliputi analisis kebutuhan, pelaksanaan bimbingan, serta evaluasi. Hasil kegiatan menunjukkan peningkatan signifikan pada kemampuan siswa dalam menentukan topik penelitian, menyusun latar belakang dan rumusan masalah, menyusun kajian pustaka sederhana, serta memilih metode penelitian yang sesuai. Selain itu, pendampingan juga meningkatkan motivasi dan kepercayaan diri siswa dalam melakukan penelitian ilmiah.
PENGUATAN KETAHANAN EKONOMI PEREMPUAN MELALUI PENDEKATAN EKONOMI ISLAM SELAMA MUSIM BANJIR DAN LONGSOR DI ACEH TENGAH Ika Hartika
PEDAMAS (PENGABDIAN KEPADA MASYARAKAT) Vol. 4 No. 02 (2026): MARET 2026
Publisher : MEDIA INOVASI PENDIDIKAN DAN PUBLIKASI

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Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan memperkuat ketahanan ekonomi perempuan di Kabupaten Aceh Tengah yang secara rutin mengalami bencana banjir bandang dan tanah longsor, khususnya selama musim hujan tahun 2025–2026. Pendekatan ekonomi Islam diterapkan secara holistik melalui serangkaian pelatihan fiqih muamalah, peningkatan literasi keuangan syariah, serta pembentukan kelompok usaha berbasis akad mudharabah dan musyarakah. Metode yang digunakan adalah Participatory Action Research (PAR) yang melibatkan secara aktif 85 perempuan kepala keluarga di lima desa yang paling terdampak. Hasil kegiatan menunjukkan peningkatan pemahaman prinsip-prinsip syariah sebesar 82 persen, terbentuknya tiga koperasi mikro syariah yang mandiri, serta kenaikan pendapatan rumah tangga rata-rata sebesar 35 persen dalam kurun tiga bulan pasca-intervensi. Pembahasan mengaitkan temuan empiris dengan konsep maqasid syariah serta peran instrumen zakat dan waqf sebagai mekanisme bantalan ekonomi di tengah krisis bencana. Program ini membuktikan bahwa ekonomi Islam tidak semata-mata menyediakan solusi finansial, melainkan juga membangun ketahanan spiritual, sosial, dan ekologis yang berkelanjutan bagi perempuan di wilayah rawan bencana.
Edukasi Pengelolaan Keuangan Pribadi Berbasis Prinsip Ekonomi Syariah Bagi Mahasiswa Program Studi Ekonomi Syariah Iain Takengon : Pengabdian Ika Hartika; Yuritamara Yuritamara
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 5 No. 1 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 5 Nomor 1 (Juli 2026 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v5i1.8099

Abstract

Mahasiswa sebagai kelompok usia produktif masih menghadapi kendala pengelolaan keuangan akibat rendahnya literasi keuangan, termasuk mahasiswa Ekonomi Syariah yang mengalami kesenjangan antara teori dan praktik. Pengabdian ini bertujuan meningkatkan literasi dan keterampilan mahasiswa Ekonomi Syariah IAIN Takengon dalam mengelola keuangan pribadi berdasarkan prinsip syariah, meliputi kehalalan harta, prioritas dharuriyyat–hajiyyat–tahsiniyyat, penghindaran riba, gharar, israf, dan tabdzir, serta pembiasaan zakat, infak, dan sedekah. Metode participatory learning diterapkan melalui lima tahap: analisis kebutuhan, prates, edukasi partisipatif empat sesi, pendampingan penyusunan anggaran dan buku kas, serta pascates dan evaluasi. Peserta terdiri atas 45 mahasiswa semester III dan V. Efektivitas diukur menggunakan instrumen 20 butir, uji N-Gain, dan Wilcoxon. Hasil menunjukkan peningkatan rerata skor dari 54,2 menjadi 82,7, dengan N-Gain 0,62 (kategori sedang) dan signifikansi p < 0,05. Sebanyak 84,4% peserta mampu menyusun anggaran bulanan berbasis prioritas maqashid syariah, sedangkan 71,1% melanjutkan pencatatan arus kas selama satu bulan pascakegiatan.
Regulation of Crypto Assets from the Perspective of Islamic Economic Law: A Comparative Study of the Concepts of Māl, Gharar, and Speculation and Their Implications for Digital Financial Policy Ika Hartika
Ipso Jure Vol. 3 No. 9 (2026): Ipso Jure - October
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/zfts4185

Abstract

This article examines how Islamic economic law evaluates crypto assets and what that evaluation implies for digital financial policy, using the concepts of māl (property), gharar (excessive uncertainty), and speculation (maysir or qimar) as its analytical axes. It employs a normative juridical method that combines statutory, conceptual, and comparative approaches, and it draws on the Qur’an, the Sunnah, the 2021 ruling of the Indonesian Ulema Council (MUI), Indonesian financial regulation, the resolutions of the Shariah Advisory Council of the Securities Commission Malaysia, and scholarly literature published mainly between 2021 and 2026. The analysis yields two principal findings. First, crypto assets are best treated not as a single juristic category but as a family of instruments whose qualification as māl and as a valid object of sale (silʿah) depends on exclusive control, an identifiable function, certainty of quantity, and the possibility of actual or constructive possession; the currency function is the hardest to reconcile with Islamic monetary criteria and with Indonesian currency law. Second, price volatility alone does not amount to gharar, whereas structural opacity, unreliable custody, leveraged trading, and derivative structures move crypto markets closer to prohibited gharar and maysir. The comparison with Malaysia shows that embedding Sharia determination within the capital-market regulator produces a more predictable, function-based framework than the Indonesian separation between religious fatwa and state regulation. The article concludes by proposing a Sharia-screening layer for the list of tradable assets, disclosure and custody safeguards, restrictions on leverage and derivatives, and institutional channels between fatwa authorities and the Financial Services Authority (OJK).
Co-Authors Masruri Masruri Nurhikmah Nurhikmah Sitti Aisya Yuritamara Yuritamara