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All Journal Jurnal Kesehatan dan Pengelolaan Lingkungan International Journal of Islamic Economics (IJIE) Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Safika Maranti
Universitas Ahmad Dahlan
Economics, Econometrics & Finance Environmental Science Social Sciences

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Implementasi Praktik Pembiayaan KPR dengan Akad Murobahah dan Musyarakah Mutanaqisah Perspektif Fatwa DSN-MUI Safika Maranti; Zulfatus Sadiah
Ecopreneur : Journal of Sharia Economics Study Program Vol 2 No 1 (2021): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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

Abstract

The finance of House Ownership Loan (locally abbreviated as KPR or Kredit Pemilikan Rumah) is a finance product in Muamalat Bank of Branch Office Surakarta using a contract of murobahah and musyarakah mutanaqisah. In its implementation, there is a difference in characteristic between two contracts. The contract of murobahah is only designed for the customers proposing the finance of house construction or renovation. Meanwhile, the contract of musyarakah mutanaqisah is designed for the customers proposing the finance of the finished house. This is a field research using the analytical-evaluative qualitative method. The researcher here attempted to make a clarification between the concept and the implementation. The result of the research showed that not all clause of the practice of KPR finance either with the contract of murobahah or with musyarakah mutanaqisah has been in accordance with the fatwa DSN-MUI. The contract of murobahah practiced was murobahah represented not with pure murobahah. This then has triggered the element of riba (excessive interest) in the transaction. Meanwhile in the contract of musyarakah mutanaqisah the bank does not divide the portion of hishshah into the units of hishshah ((taj’ziatul hishshah) share capital. In fact, the clause is the characteristic in the finance of musyarakah mutanaqisah that must be appeared as the distinguishing with other contract. Abstrak Pembiayaan Kredit Pemilikan Rumah (secara lokal disingkat KPR atau Kredit Pemilikan Rumah) adalah produk pembiayaan di Bank Muamalat Kantor Cabang Surakarta dengan akad murobahah dan musyarakah mutanaqisah. Dalam implementasinya terdapat perbedaan karakteristik antara kedua kontrak tersebut. Akad murobahah hanya diperuntukkan bagi nasabah yang mengajukan pembiayaan pembangunan atau renovasi rumah. Sedangkan akad musyarakah mutanaqisah diperuntukkan bagi nasabah yang mengajukan pembiayaan rumah jadi. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif analitik-evaluatif. Peneliti disini mencoba untuk membuat klarifikasi antara konsep dan implementasinya. Hasil penelitian menunjukkan bahwa tidak semua klausul praktik keuangan KPR baik dengan akad murobahah maupun musyarakah mutanaqisah telah sesuai dengan fatwa DSN-MUI. Akad murobahah yang dipraktikkan adalah murobahah yang direpresentasikan bukan dengan murobahah murni. Hal inilah yang kemudian memicu unsur riba (bunga berlebih) dalam transaksi tersebut. Sedangkan dalam akad musyarakah mutanaqisah bank tidak membagi porsi hishshah menjadi unit modal saham hishshah ((taj'ziatul hishshah). Padahal klausul tersebut merupakan ciri dalam pembiayaan musyarakah mutanaqisah yang harus dimunculkan sebagai yang membedakan dengan kontrak lainnya.
Efektivitas Edukasi Fiqih Lingkungan Muhammadiyah terhadap Peningkatan Pengetahuan PHBS Santriwati: Studi Pra–Pascaintervensi di PP Taruna Al-Qur’an 'Aabidah Ummu 'Aziizah; Imam Suyuti; Safika Maranti; Bekti Wulan Sari
Jurnal Kesehatan dan Pengelolaan Lingkungan Vol. 7 No. 2 (2026)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jkpl.v7i2.16433

Abstract

Islamic boarding schools (pesantren) frequently exhibit a persistent gap between environmental health compliance and internalized theological conviction. This gap explains why healthy and clean behaviors (PHBS) developed within the pesantren rarely persist once students return home. This study evaluated the effectiveness of Muhammadiyah Environmental Fiqh-based education in improving PHBS knowledge among female students at PP Taruna Al-Qur’an, Sleman. Employing a pre–post intervention design with Normalized Gain (N-Gain) analysis, 188 female students participated in a structured educational intervention delivered in a single 400-minute session. Pre-test results showed a mean correct-answer rate of 10% (very low category), while post-test results reached 93% (very high category). The N-Gain Score of 0.92 fell within the high effectiveness category according to Hake’s criteria, indicating that 92% of the available learning space was successfully filled. The study also confirmed that Muhammadiyah Environmental Fiqh, rooted in universally applicable Quranic principles, can be effectively adopted by non-AUM pesantren institutions. These findings affirm that theological framing is not merely normatively meaningful but also pedagogically superior in health education interventions within Islamic educational settings.
Machine Learning-Based Clustering for Optimizing Zakat, Infaq, and Sadaqah Fund Distribution Among Ahmad Dahlan University Students Safika Maranti; Sugiyarto Surono; Nurhidayati Kasrul Jalil; Khusnul Khotimah; Sintia Afriyani
Jurnal Internasional Ekonomi Islam Vol 8 No 02 (2026): International Journal of Islamic Economics
Publisher : Universitas Islam Negeri Jurai Siwo Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v8i02.13481

Abstract

Objective: This study aims to identify latent patterns in the distribution of zakat, infaq, and sadaqah funds among student beneficiaries at Universitas Ahmad Dahlan by grouping recipients according to their socio-economic, academic, and social characteristics. Method: This study adopts a quantitative approach using unsupervised machine learning techniques. The K-Means and Density-Based Spatial Clustering of Applications with Noise algorithms were applied to secondary data from Lazismu Ahmad Dahlan University for 2023–2026. After cleaning, the study retained 185 valid recipient records from an initial dataset of 194 observations. Data preprocessing included encoding and normalization. The study compares centroid-based (K-Means) and Density-Based Spatial Clustering of Applications with Noise clustering methods to identify recipient segments. Results: The findings show that Density-Based Spatial Clustering of Applications with Noise produces more compact and better-separated clusters than K-Means. The algorithm also identifies atypical recipients as noise, revealing unique beneficiary profiles. The results indicate substantial heterogeneity among recipients. Some economically vulnerable students demonstrate strong academic performance yet receive relatively lower assistance, while other groups receive higher levels of support despite less vulnerable conditions. Implications: The findings suggest that clustering analysis can support more objective, transparent, and adaptive ZIS fund distribution. Integrating such analysis into planning, implementation, and evaluation processes may improve targeting accuracy and promote equitable, evidence-based decision-making while still considering individual circumstances.
Co-Authors 'Aabidah Ummu 'Aziizah Bekti Wulan Sari Imam Suyuti Khusnul Khotimah Nurhidayati Kasrul Jalil Sintia Afriyani Sugiyarto Surono Zulfatus Sa’diah