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All Journal Jurnal Pendidikan Fisika Undiksha JURNAL PENGABDIAN KEPADA MASYARAKAT JURNAL MAHKAMAH Al-Hayat: Journal of Islamic Education Kamaya: Jurnal Ilmu Agama Al-Iktisab: Journal of Islamic Economic Law Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Legal Standing : Jurnal Ilmu Hukum Journal of Humanities and Social Studies Academy of Education Journal RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL JURNAL USM LAW REVIEW Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam El-Mujtama: Jurnal Pengabdian Masyarakat Bima Abdi: Jurnal Pengabdian Masyarakat Journal of Law, Poliitic and Humanities QISTINA: Jurnal Multidisiplin Indonesia AL-SULTHANIYAH IIJSE J-CEKI
Fatimah Zahara
Universitas Muhammadiyah Sumatera Utara
Religion Arts Humanities Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Nursing Physics Social Sciences Other

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Islamic Legal Review of Pre-Eid Money Exchange Practices and Exchange Rate Impacts in Medan Zahara, Fatimah
Kamaya: Jurnal Ilmu Agama Vol 8 No 3 (2025)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/kamaya.v8i3.4651

Abstract

This study aims to analyze the practice of exchanging Rupiah money ahead of Lebaran in Medan City and its impact from the perspective of Islamic law and economics. The phenomenon of non-official money changers that is rampant in various locations such as Medan Tembung, Medan Helvet, and Merdeka Square raises questions related to the status of sharia law and the socio-economic effects for the community. This research uses a qualitative approach with a field research method and descriptive analysis. The results show that the practice of money changers is generally carried out with various schemes, including the addition of administrative fees of up to 20%, a reduction in the exchange rate, or online transactions. From the perspective of muamalah fiqh, this kind of transaction has the potential to contain riba fadhl due to the additional measure of similar objects, so it is classified as haram. However, if the contract used is ijarah - with a clear and transparent fee - then the transaction can be justified under Islamic law. On the other hand, this practice provides economic benefits to consumers who need money quickly, although it comes with the risk of spreading counterfeit money, disturbing public order, and unwittingly violating sharia norms. This research contributes to understanding the application of Islamic law to contemporary economic phenomena and recommends the need for stricter regulations from relevant authorities and Islamic law education for the community.
Penambahan Biaya Tol oleh Sopir terhadap Penumpang Perspektif Fatwa MUI No. 112/DSN-MUI/IX/2017 Tentang Akad Ijarah: Studi Kasus Perusahaan Travel Trayek Medan-Panyabungan Nst, Mhd Ilham; Zahara, Fatimah
AL-SULTHANIYAH Vol. 14 No. 2 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i2.4103

Abstract

This study aims to examine the conformity of the practice of toll fee additions by drivers to passengers of the Medan–Panyabungan travel route with the provisions of Fatwa DSN-MUI No. 112/DSN-MUI/IX/2017 concerning the ijarah contract. This research employs an empirical approach through data collection techniques including observation, interviews, and documentation. The data analysis technique used refers to the Miles and Huberman model, which consists of data condensation, data display, and conclusion drawing and verification. The findings reveal that the addition of toll fees can be justified according to Islamic law (sharīʿah) if it is communicated beforehand and mutually agreed upon. However, there are practices where toll fees are added unilaterally without prior notice, which potentially leads to gharar (uncertainty) in the contract. Therefore, it is necessary to establish a clear standard operating procedure (SOP) and ensure transparent communication from the outset so that the implementation of the ijarah contract in transportation services complies with sharīʿah principles and avoids future disputes.
Consumer Protection For Credit Card Holders Against Transaction Bills Not Made By Customers Perspective Fatwa Dsn Mui Number 54/Dsn/Mui/X/2006 Ritonga, Nadiyah Roihanah; Zahara, Fatimah
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12655

Abstract

The development of digital financial technology has brought ease of transactions, but also increased the risk of credit card misuse, especially illegal transactions that are not carried out by customers. This study aims to find out the normative review of consumer protection regulations in the financial services sector (banks), to analyze the DSN-MUI fatwa on unauthorized transactions and forms of customer protection, to find out the form of protection provided by banks to credit card users, and, to find out the form of responsibility of banks for illegal transactions experienced by customers. This type of research is juridical-normative with  a conceptual approach and a statute approach. Data is collected through document studies and then data is processed qualitatively and analyzed using deductive logic. The results of the study show that banks have an absolute responsibility in ensuring the security of the transaction system and are obliged to provide protection to customers. The DSN-MUI fatwa emphasizes the importance of a valid contract and the principle of justice, which prohibits the imposition of losses on customers for transactions without consent. Real cases such as credit card break-ins by third parties show the weakness of banks' verification systems and digital security. Therefore, customer protection needs to be carried out through preventive (such as improving consumer security and education systems) and repressive approaches (such as compensation and administrative sanctions). This study emphasizes the importance of collaboration between positive law and sharia principles in protecting consumers for transactions made from credit card holders so that transactions do not occur without customer consent
Tinjauan Hukum Islam Terhadap Pembagian Warisan Terhadap Ahli Waris Beda Agama Muthmainnah, Indah Sri; Ardiansyah, Ardiansyah; Zahara, Fatimah
JURNAL USM LAW REVIEW Vol. 6 No. 2 (2023): AUGUST
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v6i2.6874

Abstract

In the context of Islamic inheritance law, it is important to note that not all heirs are entitled to receive inheritance due to certain stipulations that exist within this legal framework. These stipulations serve as reasons that may prevent certain heirs from gaining their rightful share of inheritance. The objective of this study is to examine the influence of Islamic law on the equitable allocation of inheritance among heirs from diverse religious backgrounds in the Batang Serangan District. Additionally, it seeks to ascertain the societal perception of heirs from different religions within the Batang Serangan District. The research in question holds significant academic importance as a valuable resource for investigating the reflection of Islamic law on the equitable distribution of inheritance among heirs belonging to diverse religious backgrounds. Qualitative research approaches encompass the utilisation of observation, interviews, and document studies. The results obtained in the study are as follows: There exist religious disparities between the adherents of muwarrit and those who espouse cessation. According to Islamic principles, individuals who are not adherents of the Islamic faith cannot convert Muslims, nor can Muslims convert individuals who do not follow Islam, either through familial ties or marital relationships. The equitable distribution of inheritance is not in alignment with the stipulations of the Shari'a. The perceptions of the community in Batang Serangan District Regarding the inheritance rights of individuals from diverse religious backgrounds during the process of dividing the legacy in Batang Serangan District, it was unanimously determined that an equal distribution was the only viable option. No issues arose during the distribution process, regardless of whether the sons requested a larger portion or we insisted on an equal share. Consequently, the bequest was promptly divided evenly among the beneficiaries. Tujuan dari penelitian ini adalah untuk mengkaji pengaruh hukum Islam terhadap pemerataan pembagian warisan di antara ahli waris dari latar belakang agama yang berbeda di Kecamatan Batang Serangan. Selain itu, juga untuk mengetahui persepsi masyarakat terhadap ahli waris yang berbeda agama di Kecamatan Batang Serangan. Dalam konteks hukum waris Islam, penting untuk dicatat bahwa tidak semua ahli waris berhak menerima warisan karena ketentuan-ketentuan tertentu yang ada dalam kerangka hukum ini. Ketentuan ini menjadi alasan yang dapat mencegah ahli waris tertentu untuk mendapatkan bagian yang sah dari warisan. Penelitian tersebut memegang kepentingan akademik yang signifikan sebagai sumber berharga untuk menyelidiki refleksi hukum Islam tentang pemerataan warisan di antara ahli waris yang berasal dari latar belakang agama yang berbeda. Pendekatan penelitian kualitatif meliputi penggunaan observasi, wawancara, dan studi dokumen. Hasil yang diperoleh dalam penelitian ini adalah sebagai berikut: Terdapat perbedaan agama antara penganut muwarrit dan penganut penghentian. Menurut prinsip-prinsip Islam, orang yang bukan pemeluk agama Islam tidak dapat berpindah agama Islam, begitu pula orang Islam tidak dapat berpindah agama kepada orang yang tidak mengikuti Islam, baik melalui ikatan keluarga atau hubungan perkawinan. Pembagian warisan yang adil tidak sesuai dengan ketentuan syariat. Persepsi masyarakat kecamatan batang serangan tentang hak waris individu dari beragam latar belakang agama selama proses pembagian warisan di Kecamatan Batang Serangan, disepakati dengan suara bulat bahwa satu-satunya pilihan yang bisa dilakukan adalah pemerataan. Tidak ada masalah yang muncul selama proses pembagian, terlepas dari apakah anak laki-laki tersebut meminta porsi yang lebih besar atau kami menuntut bagian yang sama. Akibatnya, wasiat segera dibagi rata di antara penerima manfaat.   
Pengabdian Kepada Masyarakat melalui Kuliah Kerja Nyata (KKN) di Desa Pasar Rawa Kabupaten Langkat Khairani, Siti; Lestari, Widiya Indah; Sitepu, Yuni Larasanti Nurhasanah Br; Murdani, Muhammad; Wahono, Wahyu; Zahara, Fatimah
Bima Abdi: Jurnal Pengabdian Masyarakat Vol. 5 No. 4 (2024): Bima Abdi: Jurnal Pengabdian Masyarakat
Publisher : Yayasan Pendidikan Bima Berilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53299/bajpm.v5i4.2716

Abstract

Kegiatan pengabdian ini menggunakan metode kualitatif deskriptif untuk menganalisis pelaksanaan program Kuliah Kerja Nyata (KKN) mahasiswa UINSU 2025 di Desa Pasar Rawa, Kabupaten Langkat. Prosedur pelaksanaan KKN di Desa Pasar Rawa dimulai dengan pemetaan kebutuhan masyarakat melalui koordinasi dengan pemerintah desa dan tokoh lokal, dilanjutkan penyusunan rencana kerja yang mencakup jadwal, pembagian tugas, serta target capaian. Selama implementasi, mahasiswa melibatkan berbagai elemen masyarakat seperti perangkat desa, lembaga pendidikan, pemuda, hingga pelaku UMKM, kemudian setiap kegiatan dievaluasi melalui diskusi dan refleksi bersama. Tahap akhir berupa penyusunan laporan dan rekomendasi untuk keberlanjutan program. Hasil penelitian menunjukkan bahwa program KKN mencakup kegiatan moderasi beragama, seminar literasi finansial syariah dan kunjungan UMKM, kampanye penghijauan, pengajaran TPA/TPQ, partisipasi perayaan Hari Kemerdekaan, serta pengelolaan sampah melalui bank sampah. Seluruh kegiatan memperoleh respon positif dari masyarakat dan berdampak pada penguatan toleransi beragama, peningkatan pemahaman investasi syariah, penguatan ekonomi lokal, kesadaran lingkungan, serta pembinaan pendidikan anak. Dengan demikian, KKN terbukti menjadi sarana efektif pengabdian masyarakat yang mampu menjembatani dunia akademik dengan kebutuhan sosial desa, sekaligus mendukung pembangunan yang inklusif dan berkelanjutan.
PRODUK PERPADUAN ECOPRINT DENGAN SONGKET MELAYU, STRATEGI DAN PENGEMBANGANNYA DI DESA LUBUK KERTANG, BERANDAN, LANGKAT Zahara, Fatimah; Tarigan, Tetty Marlina
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol. 30 No. 1 (2024): JANUARI-MARET
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jpkm.v30i1.54530

Abstract

Tujuan kegiatan ini adalah memberikan pengetahuan dan keterampilan kepada masyarakat Desa Lubuk Kertang, Berandan,Kabupaten Langkat dalam membuat produk perpaduan ecoprint dan songket Melayu yang bernilai ekonomis dalam bentuk dompet dan tas melalui kegiatan pelatihan. Metode yang digunakan dalam kegiatan ini adalah metode PAR (Participatory Action Research). Kegiatan ini dilaksanakan di Desa Lubuk Kertang, Berandan, Kabupaten Langkat pada bulan Juni-Oktober 2023. Dengan subjek sasaran Masyarakat Desa Lubuk Kertang, Berandan, Kabupaten Langkat sebanyak 22 orang yang tergabung dalam komunitas Watama Ecoprint Langkat. Adapun hasil penelitian ini adalah bahwa teknik ecoprint yang ramah lingkungan dalam proses pembuatannya dikarenakan dalam proses pembuatan dan pewarnaan menggunakan bahan-bahan yang berasal dari alam yang berpadu pada songket Melayu sebagai simbol tradisional. Kain tenun songket Melayu Langkat menjadi salah satu peninggalan budaya yang masih terpelihara dan masih dimintai oleh masyarakat. Keunikan setiap produk ecoprint dan songket melayu sebagai salah satu pesona yang memiliki keunikan setiap karya yang dihasilkan. Sehingga dengan adanya pelatihan pembuatan produk perpaduan ecoprint dan songket Melayu ini berdampak positif. Dari ecoprint berdampakkan ramah lingkungan sebab menggunakan limbah tumbuh-tumbuhan seperti daun, buah dan ranting. Sedangkan nilai positif pada songket Melayu adalah mengembangkan kembali songket Melayu yang mungkin sudah hampir punah. Dengan mengkombinasikan songket Melayu dengan produk-produk lain. Sisi positif kepada masyarakat Desa Lubuk Kertang dapat menjadikan produk perpaduan ecoprint dan songket Melayu bernilai ekonomis, sehingga dapat membantu perekonomian keluarga. Kata kunci: Ecoprint, Songket Melayu, Strategi, PemasaranAbstract The aim of this activity is to provide knowledge and skills to the people of Lubuk Kertang Village, Berandan, Langkat Regency in making economically valuable blends of ecoprint and Malay songket products in the form of wallets and bags through training activities. The method used in this activity is the PAR (Participatory Action Research) method. This activity was carried out in Lubuk Kertang Village, Berandan, Langkat Regency in June-October 2023. The target subjects were 22 people from Lubuk Kertang Village, Berandan, Langkat Regency who are members of the Watama Ecoprint Langkat community. The results of this research are that the ecoprint technique is environmentally friendly in the manufacturing process because the manufacturing and coloring process uses materials originating from nature which combine with Malay songket as a traditional symbol. Langkat Malay songket woven cloth is one of the cultural heritages that is still preserved and is still sought after by the community. The uniqueness of each ecoprint and Malay songket product is one of the unique charms of each work produced. So the training in making products that combine ecoprint and Malay songket has a positive impact. Ecoprint has an environmentally friendly impact because it uses plant waste such as leaves, fruit and twigs. Meanwhile, the positive value of Malay songket is re-developing Malay songket which may have almost become extinct. By combining Malay songket with other products. The positive side for the people of Lubuk Kertang Village is that it can make the product, a combination of ecoprint and Malay songket, economically valuable, so that it can help the family's economy.   
Co-Authors Annisa Rahmi, Annisa ARDIANSYAH ARDIANSYAH Aulia, Dini Barus, Irwan Irawadi Desnita Elida Elfi Barus, Elida Elfi Fikri Hidayatullah, Muhammada Bimo Hasibuan, Eliza Hanum Hasibuan, Muhammad Syahyuti Hasibuan, Toibah Hutabarat, Syahputri Khairani, Siti Khalid Lestari, Widiya Indah Lubis, Ahmad Mabrur Lubis, Fauziah Lubis, Junita muhammad Syahbudi, muhammad Murdani, Muhammad Muthmainnah, Indah Sri Nst, Mhd Ilham Pulungan, Madinah Rambe, Rachmat Husein Reza, M Fahmi Ritonga, Nadiyah Roihanah Siregar, Gindo Siregar, Hotma Sari Sitepu, Yuni Larasanti Nurhasanah Br Sugesti, Tuti Suheri, Muhammad Syafruddin Syam Tarigan, Tetty Marlina Tussyadiyah, Halimah Wahono, Wahyu Wandira A, Irham wilanda, yoli Yazid, Imam` Zarkawi, Ahmad Farhan Zebua, Yuniman