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TINJAUAN EKONOMI SYARIAH TERKAIT SISTEM HUTANG PIUTANG DAN PEMBAGIAN HASIL TANGKAP IKAN ANTARA ANAK BUAH KAPAL (ABK) DAN PEMILIK KAPAL DI DESA KALIBUNTU KABUPATEN PROBOLINGGO Husnul Khotimah; Zahida I’tisoma Billah; Cici Widya Prasetyandari
El-Iqthisadi Vol 7 No 1 (2025): Juni
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.vi.56131

Abstrak Penelitian ini membahas sistem hutang piutang dan pembagian hasil tangkapan ikan antara Anak Buah Kapal (ABK) dan pemilik kapal di Desa Kalibuntu dalam perspektif ekonomi syariah. Hasil penelitian menunjukkan bahwa sistem hutang piutang yang diterapkan dapat membantu ABK secara finansial, namun menimbulkan keterikatan kerja yang berisiko membatasi kebebasan mereka. Pembagian hasil tangkapan ikan juga cenderung lebih menguntungkan pemilik kapal dibandingkan ABK, yang turut menanggung biaya operasional. Dalam perspektif ekonomi syariah, praktik ini masih memerlukan perbaikan agar lebih adil dan transparan. Sebagai rekomendasi, disarankan penerapan sistem pinjaman yang lebih fleksibel serta pembiayaan berbasis syariah seperti qardhul hasan atau koperasi syariah untuk mengurangi ketergantungan ABK pada pemilik kapal. Selain itu, transparansi dalam pembagian hasil perlu ditingkatkan untuk memastikan keadilan bagi semua pihak. Kata Kunci: Ekonomi Syariah, hutang piutang, Pembagian Hasil, Anak Buah Kapal, Pemilik Kapal. Abstract This study examines the debt system and the distribution of fish catches between Crew Members (ABK) and ship owners in Kalibuntu Village from an Islamic economic perspective. The findings indicate that the implemented debt system provides financial assistance to ABK but also creates a work dependency that risks limiting their freedom. The distribution of fish catches tends to favor ship owners more than ABK, who also bear operational costs. From an Islamic economic perspective, this practice still requires improvements to ensure greater fairness and transparency. As a recommendation, it is suggested to implement a more flexible loan system and adopt Islamic financing methods such as qardhul hasan or Sharia cooperatives to reduce ABK’s dependence on ship owners. Additionally, transparency in profit-sharing should be enhanced to ensure fairness for all parties. Keywords: Islamic Economics, Debt and Credit, Profit Sharing, Crew Members, Ship Owners.

EKSPLORASI PENGALAMAN NASABAH CABANG PEGADAIAN SYARIAH PROBOLINGGO DALAM MENGELOLA TABUNGAN EMAS UNTUK PERENCANAAN KEUANGAN JANGKA PANJANG Nadiah Imroatus Sholeha; Zahida I’tisoma Billah; Waqi’atul Aqidah
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 3 (2025): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v6i3.56347

Abstrak Investasi emas menjadi pilihan yang banyak diminati dalam perencanaan keuangan jangka panjang karena harganya yang cenderung stabil dan mengalami peningkatan waktu. Pegadaian Syariah Probolinggo menyediakan produk tabungan emas yang memudahkan masyarakat untuk menabung emas secara bertahap, namun tidak semua nasabah memiliki pemahaman yang baik mengenai strategi keuangan jangka panjang dengan menggunakan metode kualitatif melalui studi kasus, di mana data dikumpulkan melalui wawancara dengan 10 orang Nasabah serta 3 Pegawai Pegadaian Syariah Probolinggo. Hasil penelitian menunjukkan bahwa nasabah memiliki beragam pola dalam mengelola tabungan emas, seperti menabung secara rutin, membeli emas saat harga turun, serta menjedikannya sebagai dana darurat. Tantangan utama yang dihadapi adalah kurangnya pemahaman megenai waktu yang tepat untuk membeli dan mencairkan emas. Oleh karena itu, di perlukan edukasi lebih lanjut agar nasabah dapat memaksimalkan manfaat tabungan emas dalam perencanaan keuangan mereka. Kata Kunci: Tabungan emas, edukasi nasabah, investasi emas, perencanaan keuangan, strategi keuangan. Abstract Gold investment is a popular choice in long-term financial planning because its price tends to stabilize and increase over time. Pegadaian Syariah Probolinggo provides gold savings products that make it easy for people to save gold gradually, but not all customers have a good understanding of long-term financial strategies using qualitative methods through case studies, where data is collected through interviews with 10 customers and 3 employees of Pegadaian Syariah Probolinggo. The results showed that customers have various patterns in managing gold savings, such as saving regularly, buying gold when the price drops, and using it as an emergency fund. The main challenge faced is the lack of understanding about the right time to buy and cash out gold. Therefore, further education is needed so that customers can maximize the benefits of gold savings in their financial planning. Keywords: Gold savings, customer education, gold investment, financial planning, financial strategy.

SEBUAH ANALISIS: INFLASI, TINGKAT PENGANGGURAN DAN PERTUMBUHAN EKONOMI DI JAWA TIMUR PERIODE 2022 Zahida I’tisoma Billah
ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam Vol 5 No 1 (2024): Adl Islamic Economic: Jurnal Kajian Ekonomi Islam
Publisher : Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56644/adl.v5i1.104

The problem of unemployment is a problem that is very difficult to avoid and can be avoided by a country or region, causing social problems such as crime and economic problems. This condition can reduce people's welfare and purchasing power. The lower the country's unemployment rate, the richer people live and vice versa. To overcome the problem of unemployment, attention is needed not only from a micro point of view, but also from a macro point of view. Macro policy is very important. One of the things to watch out for is inflation and economic growth. This research aims to determine the influence of the inflation rate and unemployment rate on economic growth in East Java, and to determine the variables that most dominantly influence economic growth in East Java. This study examines the influence of inflation and economic growth on unemployment in East Java. The data used in this research includes secondary data from the Finnish Central Bureau of Statistics (BPS) and browsing. Online site as support. The analytical method used in this research is multiple linear regression analysis. Keyword:Inflation, Unemployment, and Economic Growth.

Training on Handling Bodies for Takmir and The Community at The Al-Ikhlas Mosque, Gading Kulon Village, Probolinggo Ahmad Zainullah; Hawa’ Hidayatul Hikmiyah; Ainun Zamilah; Zahida I’tisoma Billah
CENDEKIA: Jurnal Pengabdian Masyarakat Vol. 1 No. 1 (2024): Desember 2024
Publisher : Simfoni Ilmu Cindekia

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

This training was conducted due to the lack of public understanding of the procedures for handling corpses in accordance with Islamic law. This problem is often experienced by people who do not have a good religious education background. And the process of handling corpses tends to rely only on certain figures so that the process tends to be slow. This training was conducted at the Al-Ikhlas Mosque, Gading Kulon Village, Probolinggo and the participants were the caretakers and the general public. This training aims to improve understanding of handling corpses in accordance with Islamic law. And the material presented is the procedures for bathing, shrouding, praying and burying the corpse. And the impact of this training is that the caretakers and the local community gain an understanding of the procedures for handling corpses properly and in accordance with Islamic law.

Training on Handling Bodies for Takmir and The Community at The Al-Ikhlas Mosque, Gading Kulon Village, Probolinggo Ahmad Zainullah; Hawa’ Hidayatul Hikmiyah; Ainun Zamilah; Zahida I’tisoma Billah
CENDEKIA: Jurnal Pengabdian Masyarakat Vol. 1 No. 1 (2024): Desember 2024
Publisher : Simfoni Ilmu Cindekia

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

This training was conducted due to the lack of public understanding of the procedures for handling corpses in accordance with Islamic law. This problem is often experienced by people who do not have a good religious education background. And the process of handling corpses tends to rely only on certain figures so that the process tends to be slow. This training was conducted at the Al-Ikhlas Mosque, Gading Kulon Village, Probolinggo and the participants were the caretakers and the general public. This training aims to improve understanding of handling corpses in accordance with Islamic law. And the material presented is the procedures for bathing, shrouding, praying and burying the corpse. And the impact of this training is that the caretakers and the local community gain an understanding of the procedures for handling corpses properly and in accordance with Islamic law.

Analysis Of The Efficiency Of The Application Of Non-Cash Payment System (Cashless) At Pt. Nur Haramain Mulia Tour (Kraksaan Head Office) Zahida I’tisoma Billah; Chovivatur Rahmah
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 4 No. 2 (2025): September
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v4i2.4991

The evolution of payment systems from cash to non-cash reflects rapid technological advancements in the corporate and banking sectors. This study evaluates the efficiency of the cashless payment system implementation at PT Nur Haramain Mulia Tour, Kraksaan Office. Efficiency in this research is defined by five key indicators: transaction time savings, administrative cost reduction, error reduction in financial recording, transparency, and service speed. Using a descriptive qualitative approach, this study employed purposive sampling to select participants, including the company’s financial staff, management, and customers. Data were collected through in-depth interviews, field observations, and document analysis, subsequently analyzed using Miles and Huberman’s interactive model (data reduction, display, and conclusion drawing). The results indicate that the implementation of cashless payments at PT Nur Haramain Mulia Tour is currently less efficient as it fails to meet the expected indicators of speed and error reduction. The study identifies four primary barriers: 1) low digital literacy among staff and pilgrims regarding cashless systems, 2) a significant number of clients who do not possess bank accounts, 3) suboptimal data synchronization due to unconfirmed proof of payments, and 4) psychological barriers such as fear of system errors or network failures. Consequently, the non-cash system has not yet provided significant benefits in accelerating transaction flows. This research suggests that the company needs to improve its digital infrastructure and provide literacy programs for users to enhance system efficiency.

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