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All Journal JURNAL KARSA (Terakreditasi No. 80/DIKTI/Kep/2012) EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Dirosat : Journal of Islamic Studies al-Afkar, Journal For Islamic Studies Jurnal Yuridis Reflektika Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam El-Waroqoh : Jurnal Ushuluddin dan Filsafat Bayan lin-Naas : Jurnal Dakwah Islam Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Journal of Management and Islamic Finance Jurnal Ekonomika Dan Bisnis El-Fata: Jurnal Ilmu Tarbiyah Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Concept: Journal of Social Humanities and Education COMPETITIVE: Journal of Education LECTURES: Journal of Islamic and Education Studies Multiverse: Open Multidisciplinary Journal ATTAQWA: Jurnal Pendidikan Islam dan Anak Usia Dini ORGANIZE: Journal of Economics, Management and Finance International Journal of Trends in Accounting Research Beginner: Journal of Teaching and Education Management Amandemen: Journal of Learning, Teaching and Educational Studies Al-Fadlan: Journal of Islamic Education and Teaching Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Investasi Islam Demagogi: Journal of Social Sciences, Economics and Education Bayan lin-Naas : Jurnal Dakwah Islam Assyarikah: Journal Of Islamic Economic Business Journal of Economic and Islamic Research Al-Fadilah: Islamic Economics Journal El-Waroqoh : Jurnal Ushuluddin Dan Filsafat Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Jurnal Ekonomi, Bisnis dan Manajemen Regulate: Jurnal Ilmu Pendidikan, Hukum dan Bisnis Reflektika Responsive: Jurnal Manajemen Pendidikan Islam KARSA: Jurnal Sosial dan Budaya Keislaman (Journal of Social and Islamic Culture)
Holilur Rahman
Institut Dirosat Islamiyah Al-Amien (IDIA) Prenduan
Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Physics Public Health Social Sciences Other

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Kepatuhan Syariah dalam Implementasi Pembiayaan Tabarok dengan Akad Hanapi, Sopian; Rahman, Holilur
Assyarikah: Journal of Islamic Economic Business Vol 6, No 2 (2025): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v6i2.2491

Abstract

This study aims to examine the implementation of Tabarok financing using the mu??rabah contract and to identify the factors influencing its Sharia compliance at PT. BPRS Sarana Prima Mandiri Pamekasan. The focus of the study is directed toward assessing the conformity of financing practices with Sharia principles, considering the distinctive characteristics of the Tabarok product, which applies a daily installment system and a door-to-door marketing strategy that may lead to variations in implementation in the field. This research adopts a qualitative approach with a descriptive method, employing interviews, observations, and documentation as data collection techniques, while data validity is ensured through source triangulation. The findings indicate that Tabarok financing is implemented under a mu??rabah scheme, in which the bank acts as the ???ibul m?l (capital provider) and the customer as the mu??rib (entrepreneur), with a flexible daily installment mechanism adjusted to the customer’s business capacity. The One Day One Street marketing strategy is applied to bring financing services closer to micro-entrepreneurs while simultaneously expanding Islamic financial inclusion. Sharia compliance in Tabarok financing is influenced by several key factors, including customer selection and eligibility assessment, Sharia education related to mu??rabah principles, active supervision by the Sharia Supervisory Board, and continuous financing monitoring. The study concludes that the implementation of Tabarok financing complies with Sharia principles in terms of contractual structure, fund management mechanisms, and supervisory processes. This research contributes to enriching empirical studies on mu??rabah-based financing practices in Islamic rural banks (BPRS), particularly microfinance products utilizing daily installment systems and direct community-based marketing approaches.
MEMBANGUN RUANG PUBLIK DIGITAL YANG SEHAT: AKTUALISASI KONSEP AMAR MA’RUF NAHI MUNKAR MELALUI LITERASI MEDIA BERBASIS AL-QUR’AN Ali, Ahmad Zulfikar; Ramadhan, Yusfar; Rahman, Holilur
Reflektika Vol 20, No 2 (2025)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v20i2.2463

Abstract

The digital public sphere is currently experiencing a serious pathology characterized by massive disinformation, polarization, and degradation of communication ethics, transforming it from an arena of rational dialogue into a toxic “echo chamber.” Conventional media literacy approaches that are technical and secular in nature are considered inadequate to address this crisis of values. This article aims to formulate a conceptual framework for alternative media literacy rooted in the transcendental values of the Qur'an as a fundamental solution. This study uses a qualitative method with a library research design, dialoguing the classical doctrine of Amar Ma'ruf Nahi Munkar with the reality of contemporary cyber communication. The results of the study show that Amar Ma'ruf Nahi Munkar needs to be re-actualized from a normative theological doctrine into an adaptive “cyber activism” strategy for digital algorithm structures. The main finding of this study is the construction of a “Quran-based Media Literacy” model, which integrates the spirit of Amar Ma'ruf Nahi Munkar as the spirit for basic media competence; where intention management becomes the basis for accessing information, the tabayyun mechanism becomes the basis for critical analysis, and qaulan sadidan ethics become the basis for content participation. This model shifts the literacy paradigm from merely producing cognitively intelligent netizens to netizens who possess digital piety.
Innovation And Promotion Of Business Units And Educational Institutions Mupti Al Umam; Dumyati; Rahmat Fajar Al-Qusyairi JNZ; Holilur Rahman
Regulate: Jurnal Ilmu Pendidikan, Hukum dan Bisnis Vol. 3 No. 1 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/regulate.v3i1.12

Abstract

Innovation and promotion are two important aspects in the development of business units and educational institutions. Innovation can help improve the quality of the product or service offered, while promotion can help introduce the product or service to the wider community. Innovation in business units and educational institutions involves the development of new ideas, methods, or approaches that can improve the quality, efficiency, and relevance of the products or services offered. Innovation can include the development of new technologies, changes in the teaching process, the development of more relevant curricula, or the use of innovative learning methods. The objectives of this research are 1) to find out the meaning of innovation of business units and educational institutions, 2) to find out the meaning of promotion of business units and educational institutions. The type of research used in this study is library research with a qualitative research method that is descriptive in an effort to uncover a problem or event as it is. Product innovation is an effort carried out by a company to create new products that aim to adapt to consumer tastes and can increase sales. Meanwhile, educational innovation is a new and qualitative change that is different from the previous one, and is deliberately sought to improve the ability to achieve certain goals in education.
TRADISI BHUBUWÂN SEBAGAI MODEL INVESTASI DI MADURA Zainal Abidin; Holilur Rahman
KARSA Journal of Social and Islamic Culture Islam, Budaya dan Ekonomi
Publisher : Universitas Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/karsa.v20i2.34

Abstract

Abstrak: Tulisan ini berusaha memberikan deskripsi bagaimana peralihan kekayaan dari satu orang ke orang lain berupa bhubuwân di Kabupaten Bangkalan, Madura dikritisi dengan menggunakan perspektif ekonomi Islam dengan berupaya memberikan gambaran yang utuh dan menyeluruh. Kajian ini diharapkan memberikan sebuah deskripsi bagaimana budaya yang sudah menyatu dengan masyarakat Madura ini dapat dikritisi dengan satu semangat bukan untuk menghilangkannya namun untuk mencari format yang  mungkin akan mendatangkan kebaikan bagi pelaku bhubuwân. Dari kajian ini dicobaban-dingkan apakah bhubuwân bisa dikategorikan sebagai bentuk pemberian yang tidak mengikat (hibah), arisan, hutang, atau bahkan salah satu model investasi? Tulisan ini juga mengusulkan agar bhubuwân dianggap sebagai sebuah transaksi yang bisa dilirik oleh penyedia jasa keuangan, baik bank maupun non bank, sehingga mesin uang tersebut bisa dikelola dengan baik dan sesuai dengan prinsip-prinsip syariah. Sehingga, transaksi bisnis yang mengandung motivasi sosial ini dapat terus berlangsung dengan meminimalisasi segala resiko yang ada. Abstract: This article tends to serve a comprehensive and thorough description on people to people wealth transfer in form of bhubuwân in the residence of Bangkalan Madura. The wealth transfer has been criticized from the perspective of Islamic economy.   This study is also to describe an effort to criticize, to find a new form bhubuwân, however, it is not about to leave it out. The new form is expected to invite good deed to those performing bhubuwhân. Furthermore, it analyzes if bhubuwân is a hibah (non-binding gift), arisan (regular social gathering whose members contribute to and take turns at winning an aggregate sum of money), debt, and an investation model. It suggests that bhubuwân could attract a capital service supplier as a kind of capital transaction. It might be banking and non-banking ones. Moreover, they are able to manage this “money machine” well based on the syriah (Islamic law) principles. Bhubuwân is considered a social motivation, it is anticipated to run everlastingly with minimizing current risks. Kata Kunci: Bhubuwân, hibah, ta’ȃwun, hutang-piutang, arisan, investasi
Co-Authors A Hasib Abdul Hannan Abdullah Muhammady Ach.Sudaryo Ahadiah Hanum Ahmad Budi Susanto Ahmad Muta’ali al umam, Mupti Al-qusyairi JNZ, Rahmat fajar Alfian Rihtuz Zahrah Ali Wafa Annawiyah, Annawiyah Annisa Annisa Annisa Annisa Astri Ningsih Ati’atur Robbaniyah Busro Busro Busro, B. Dianawati Bt Mat Romli Dumyati Dumyati, Dumyati Fadilah Fadilah, Fadilah Faizah, Maftuhatul faizatul Husna Fajriyatul Izzah Fathul Rahman Fatin Najwa Nazurah Fena Ulfa Aulia Firman Ashari Ghina Shafiyyah Halimi, Halimi Hanapi, Sopian Hasanah, Rif’atul Hayati Selvia Idha Suhartatik Iffatul Aimmah Ilham Abdul Jalil Imam Buchari, Imam Isna Hidayati Istifadzah Istifadzah Kamalina Zulfa Lisniati Lisniati Lisniati, Lisniati Luluk Mukarromah Luluk Mukarromah M. Yogi Riyantama Isjoni Mabruroh, Mubrikatul Madhar Amin Madona Agustin Sari Mamik Astik Wardasari Miranda, Miranda Moh. Mahfud Mubrikatul Mabruroh Muhammad Hafiz Muhammad Rosul Muhammad Sofiullah Muhammad Syaiful Islam Muhammadi, Hamas Mujibno, Mujibno Mukarromah, Luluk Mupti Al Umam Mustaminah Mutmainnah, Nur Eka Nafilatur Rohmah, Nafilatur Noor Aimi Mohamad Puad Nur Atika Alias Nur Eka Mutmainnah Rafika Nur Yuliatri Rafiqi, Iqbal Rahmat Fajar Al-Qusyairi JNZ Ramadhan, Yusfar Romsiyeh Romsiyeh Romsiyeh, Romsiyeh Samdani, Dani Shophan Readi S Sitti Maulida Sulistia Ningrum Suprima Turmidi, Turmidi Ulfa Nur Sakinah Ummi Kulsum USWATUN HASANAH Wardasari, Mamik Astik Wasful Elmiah Zahrah, Alfian Rihtuz Zaid Raya Argantara Zainal Abidin Zainal Abidin Zian Salsabila Bidaula Zulfa, Kamalina Zulfikar Ali Ahmad