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All Journal Hunafa: Jurnal Studia Islamika BILANCIA Hunafa: Jurnal Studia Islamika Tadayun: Jurnal Hukum Ekonomi Syariah COMPARATIVA: Jurnal Ilmiah Perbandingan Mazhab dan Hukum Jurnal Konseling Pendidikan Islam
Murniati Ruslan
Fakultas Syariah dan Ekonomi Islam IAIN Palu
Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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SISTEM MUḌĀRABAH DAN APLIKASINYA PADA BANK SYARIAH MANDIRI CABANG PALU Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 10, No 2 (2013): Hukum Islam
Publisher : Institut Agama Islam Negeri (IAIN) Palu

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Abstract

Abstract: Bank Syariah Mandiri is a state bank who first introduced a system of sharia. In a way, this bank was applying one system of cooperation with customers called muḍārabah. The systems of muḍārabah are also applicated in the Bank Syariah Mandiri Branch Palu, which was established in 2003. This study discusses the theory and application of muḍārabah system in Bank Syariah Mandiri Branch Palu. The results showed that the application of muḍārabah system in Bank Syariah Mandiri Branch Palu has not been fully realized purely in accordance with the theoretical foundation of muḍārabah system suggested by experts, despite the commitment of Bank Syariah Mandiri Branch Palu to customers has increased significantly.Kata Kunci: aplikasi, sistem muḍārabah, Bank Syarih Mandiri.
PENDIDIKAN, KEMANDIRIAN, DAN PEMBANGUNAN BANGSA Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 3, No 3 (2006): Studi Keislaman
Publisher : Institut Agama Islam Negeri (IAIN) Palu

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Abstract

It goes without saying that education plays a very significant and strategic role in a nation development. Many states in the world, in concerto, have no many natural resources, but can build themselves as  developed states. For example, Singapore, a Southeast Asian mini states that minus in natural resources. This state is successful in building itself as a prosper state of the world because it is supported by highly qualified human resources. It is necessary to elucidate, of course, that a qualified educational institution can produce qualified human resources. The reason is that education has not only a positive correlation with development, but also a rational way to create independence of society. This article elaborates educational matters, independence, and nation development. Kata Kunci : Pendidikan, kemandirian, pembangunan
SISTEM MUḌĀRABAH DAN APLIKASINYA PADA BANK SYARIAH MANDIRI CABANG PALU Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 10 No 2 (2013)
Publisher : State Institute of Islamic Studies (IAIN) Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (185.824 KB) | DOI: 10.24239/jsi.v10i2.34.323-344

Abstract

Abstract: Bank Syariah Mandiri is a state bank who first introduced a system of sharia. In a way, this bank was applying one system of cooperation with customers called muḍārabah. The systems of muḍārabah are also applicated in the Bank Syariah Mandiri Branch Palu, which was established in 2003. This study discusses the theory and application of muḍārabah system in Bank Syariah Mandiri Branch Palu. The results showed that the application of muḍārabah system in Bank Syariah Mandiri Branch Palu has not been fully realized purely in accordance with the theoretical foundation of muḍārabah system suggested by experts, despite the commitment of Bank Syariah Mandiri Branch Palu to customers has increased significantly.Kata Kunci: aplikasi, sistem muḍārabah, Bank Syarih Mandiri.
PENDIDIKAN, KEMANDIRIAN, DAN PEMBANGUNAN BANGSA Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 3 No 3 (2006): Studi Keislaman
Publisher : State Institute of Islamic Studies (IAIN) Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (196.818 KB) | DOI: 10.24239/jsi.v3i3.275.305-318

Abstract

It goes without saying that education plays a very significant and strategic role in a nation development. Many states in the world, in concerto, have no many natural resources, but can build themselves as  developed states. For example, Singapore, a Southeast Asian mini states that minus in natural resources. This state is successful in building itself as a prosper state of the world because it is supported by highly qualified human resources. It is necessary to elucidate, of course, that a qualified educational institution can produce qualified human resources. The reason is that education has not only a positive correlation with development, but also a rational way to create independence of society. This article elaborates educational matters, independence, and nation development. Kata Kunci : Pendidikan, kemandirian, pembangunan
IMPLEMENTASI AKAD IJARAH BANK BNI SYARIAH CABANG PALU Ruslan, Murniati
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 13 No. 1 (2019): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v13i1.451

Abstract

BNI Syariah is one of Indonesia's national sharia banks. In its operations, BNI Syariah implements several contracts, namely the Mudharabah Contract, the Wadiah Contract, and the Ijarah Contract. This study is focused on the discussion of the Ijarah Contract by taking BNI Syariah Branch Palu, Central Sulawesi as the research object. Islamic banking has good prospects. This is supported by two factors, they are the population which is predominantly Muslim and the strong support of the Government. But at the same time, there are number of challenges faced by this type of banking. The aspects of funding and the quality of Human Resources (HR) are two elements that are often referred to the serious problems faced by Islamic banking, especially when compared to conventional banking. Another factor is that Islamic banking has not had a clear business model scheme yet. Moreover, Islamic banking products are still not fully understood by a larger public. In other words, citizens who truly understand the principles and products of Islamic banking are still very limited. In relation to the operations of the BNI Syariah Bank Branch Palu, there are two segments that are practiced in the bank intermediation. Those two segments are the consumptive segment and the productive segment. Both of these segments face the same problem in their implementation, it is socialization. This study found that there was a correlation between the lack of socialization and the low interest of the people in Palu regarding the Ijarah product. In other words, lack of socialization has caused BNI Syariah Branch Palu products to be widely unknown to the public.
RESISTENSI KOMUNITAS TERHADAP KEBIJAKAN PEMBIAYAAN ISTISHNA Abidin, Abidin; Sapruddin, Sapruddin; Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 19 No 2 (2022): Hunafa: Jurnal Studia Islamika
Publisher : State Islamic University of Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jsi.Vol19.Iss2.681

Abstract

This study aims to map and analyze the forms, factors, and implications that cause stakeholder resistance to istishna' financing policies at Indonesian Syariah Bank in Palu and Jakarta. Data collection techniques were carried out using interview and library techniques. Data analysis uses content analysis with an objective approach to place the results of interviews and literature against each other. The data sources used are a collection of interviews and literature reviews. The results showed that there had been stakeholder resistance to istishna' financing in the two Indonesian Syariah Bankdue to being treated unfair in the form of an increase in the price of goods orders according to the length of instalments, the reworking of goods orders that were not by stakeholder tastes, and delays in delivering goods orders to stakeholders after falling. Tempo in the form of an additional budget to stakeholders. In addition, it is also found that the istishna financing process is complex, the risk of which is dominated by the burden on stakeholders. In addition, the narrowing of the istishna' financing target in the form of micro even though public interest and maqhasid sharia require a macro. Internal and external resistance factors cause stakeholder resistance to the istishna financing policy. These two factors have implications for the circulation of funds in Indonesian Syariah Bankin Palu and Jakarta, which take a long time, are unreliable, have the opportunity to go bankrupt, and take into account the possible risks that cause stakeholders' interest in using istishna financing to decrease. Actions must be taken against stakeholder resistance who experience istishna financing policies in the two Indonesian Syariah Bank, the prohibition of instalments if it causes an increase in the price of the order, the product must be completed at maturity, the product must be following the taste/agreement, there should be no additional funds due to the demand not following the agreement/customer's taste.
SHARIA ECONOMIC LAW ON LEGAL PROTECTION IN MIXED RICE TRANSACTIONS IN PALOLO DISTRICT Cahaya, Yunika; Oktafian, Mohamad; Ruslan, Murniati
Tadayun: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2024)
Publisher : Program Studi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Negeri (UIN) Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/tadayun.v5i2.354

Abstract

This research examines the practice of rice blending at Tiga Putri Enterprises, which does not fully follow the principles of transparency stipulated in sharia economic law and consumer protection law in Indonesia. Without notice to consumers, this practice can be categorized as tadlis or fraud under sharia law, which obscures product quality and creates the potential for consumer dissatisfaction or loss. This study used an interview method to explore consumer perceptions regarding product information and business responsibility in delivering quality goods. The results show that the lack of information transparency makes consumers less aware of product quality, resulting in a decline in trust. The implications of the study highlight the importance of regulation and education on transparency in the buying and selling of rice, in order to build a fairer and more responsible trading environment in accordance with sharia principles and consumer protection in Indonesia. Abstrak Penelitian ini meneliti praktik pencampuran beras di Usaha Tiga Putri yang tidak sepenuhnya mengikuti prinsip transparansi yang diatur dalam hukum ekonomi syariah dan hukum perlindungan konsumen di Indonesia. Tanpa adanya pemberitahuan kepada konsumen, praktik ini dapat dikategorikan sebagai tadlis atau penipuan menurut hukum syariah, yang mengaburkan kualitas produk dan menimbulkan potensi ketidakpuasan atau kerugian bagi konsumen. Studi ini menggunakan metode wawancara untuk menggali persepsi konsumen terkait informasi produk dan tanggung jawab usaha dalam penyampaian kualitas barang. Hasil penelitian menunjukkan bahwa kurangnya transparansi informasi membuat konsumen kurang memahami kualitas produk, sehingga terjadi penurunan kepercayaan. Implikasi penelitian menyoroti pentingnya regulasi dan edukasi transparansi dalam jual beli beras, demi membangun lingkungan perdagangan yang lebih adil serta bertanggung jawab sesuai prinsip syariah dan perlindungan konsumen di Indonesia.
POLA PENGASUHAN ORANG TUA MENURUT HUKUM KELUARGA ISLAM DI DESA KONGKOMAS KABUPATEN TOLITOLI Muzayyanah; Sapruddin; Ruslan, Murniati
Comparativa: Jurnal Ilmiah Perbandingan Mazhab dan Hukum Vol. 5 No. 2 (2024)
Publisher : Program Studi Perbandingan Mazhab, Fakultas Syariah, Universitas Islam Negeri (UIN) Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/comparativa.v5i2.196

Abstract

Parents are responsible for guiding, protecting, caring, educating and directing children at every stage of their development. As a Muslim, it is recommended that this process carried out based on Islamic family law or what is usually called hadhanah. This research aims to see parenting style according to Islamic family law in Kongkomas Village, Basidondo District, Tolitoli Regency. The type of research used is empirical law with data collection techniques in the form of interviews, observation and documentation. The results from 37 families represented by mothers show that the parenting style used by the majority of parents is democratic. The Democratic parenting style places children as a priority while continuing to supervise them. Based on Islamic family law, parents in Kongkomas Village focus on fulfilling their children's physical, emotional and religious education needs.
RECONSTRUCTING THE EPISTEMOLOGY OF ISLAMIC ECONOMICS AND EDUCATION IN THE ERA OF ARTIFICIAL INTELLIGENCE AND THE DIGITAL ECONOMY Ruslan, Murniati; Ubay, Ubay; Musyahidah, Sitti
Jurnal Konseling Pendidikan Islam Vol. 6 No. 2 (2025): Jurnal Konseling Pendidikan Islam
Publisher : LP2M IAI Al-Khairat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/jkpi.v6i2.921

Abstract

This study aims to explore the reconstruction of Islamic economics and education epistemology in the face of technological advances, particularly artificial intelligence (AI) and the digital economy, using a Systematic Literature Review (SLR) approach. This method was chosen to obtain a comprehensive mapping of scientific discourse developments, identify research gaps, and synthesize findings from primary literature indexed in the Scopus database for the period 2019–2024. The research is exploratory and qualitative in nature, employing documentary and narrative analysis of articles relevant to the topic of Islamic economic epistemology and its relationship with AI, the digital economy, and Islamic ethics in technology. The search strategy uses a combination of Boolean keywords such as “Islamic economics” AND ‘epistemology’ AND (“artificial intelligence” OR “digital economy”), supported by the Google Scholar and ScienceDirect databases. The findings indicate that the integration of AI and the digital economy into Islamic economic systems and education requires a profound epistemological reconstruction to ensure that fundamental values such as justice, moral responsibility, and equality are upheld. AI plays a dual role as an instrument of efficiency and a potential source of ethical disruption, while digitalization drives the reinterpretation of traditional Islamic economic values and practices. Technologies like blockchain offer transparency but also raise ethical dilemmas related to privacy and Sharia compliance. Current literature still shows limitations in terms of a comprehensive conceptual framework and a lack of interdisciplinary empirical research. Therefore, a systematic and ethical approach is needed to harmonize technological innovation with Islamic principles, as well as further research examining the impact of AI on core concepts such as zakat distribution and ethical accountability in Islamic economics to ensure their relevance and adaptability in the digital age.
Co-Authors Abidin Abidin Cahaya, Yunika Muzayyanah Oktafian, Mohamad Sapruddin Sapruddin Sapruddin Sitti Musyahidah Ubay, Ubay