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Review of Hybrid Contract of Sharia Banking from the Perspective of Maqashid Syariah Kamaluddin, Imam; Ismail, Taufiq
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 12 No 2 (2024): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/at-tahdzib.v12i2.399

Abstract

Background. Multi-contract (hybrid contract) is currently widely applied in Sharia Banking. The contract is used in various transactions in Sharia Banking products such as the Ijarah Muntahiyah Bit Tamlik and Musyarakah Mutanaqishah contracts. In practice, the application of the multi-contract raises schematic problems, but Sharia Banking still applies the contract. It is interesting to study the practice of multi-contract in Sharia Banking from the aspect of maqasis sharia. Maqasid sharia analysis is used to see the maslahah side. Aim. This study aims to review the practice of multi-contract in Sharia Banking in the perspective of maqasid sharia. Methods. This study uses library research. Results. The results of this study indicate that the jurists (fukaha) agree on the permissibility of multi-contracts, but the validity of the results of the merger depends on what contracts are combined. The elements prohibited by the maqashid sharia in this hybrid contract include coercion, elements of fraud to gain profit, and no one is harmed between the two parties.
Pendampingan Pengembangan UMKM pada Produk Stik Terigu Barokah Jaya di Desa Kedungbanteng Ponorogo Dwicahyo, Agung; Anshori, Hudan Ngisa; Kamaluddin, Imam; Azizi, Mujadid Qodri; Mubarak, Dicky Syahar; Sasongko, Yogi Banar
Abdimas Indonesian Journal Vol. 5 No. 1 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.v5i1.602

Abstract

Micro, Small and Medium Enterprises (MSMEs) have a strategic role in local economic growth. One of the main challenges faced by MSMEs is the development of innovative products and marketing to be able to compete in the market. This mentoring program aims to improve the quality and competitiveness of Barokah Jaya Flour Stick products in Kedungbanteng Village, Ponorogo, through the application of product innovation concepts, marketing strategies and MSME development. The service methods used include planning, implementation, evaluation and monitoring approaches. The planning stage includes analysis of needs and product development potential. At the implementation stage, product innovation training, strengthening marketing strategies, and business management assistance are carried out. Evaluation is carried out to assess the effectiveness of the program, while monitoring aims to ensure the sustainability of the mentoring impact. The results of this program show an increase in product quality through material and packaging innovation, as well as market expansion through digital marketing strategies. This assistance is expected to strengthen the competitiveness of MSMEs and make a real contribution to the economic empowerment of local communities.
Manajemen pemasaran digital untuk meningkatkan daya saing UMKM Virgiyanti, Diska Fatima; Manaanu, Yusuf Al; Kamaluddin, Imam; Kurniawan, Bekti Galih; Wicaksana, Febrian Arif; Yogaiswari, Kautsar Akhdan; Kurniawan, Ahmad Ramadani; Sasongko, Yogi Banar
Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Vol. 6 No. 1 (2025)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jp2m.v6i1.23284

Abstract

Pengabdian Masyarakat ini membahas pentingnya manajemen pemasaran digital untuk meningkatkan daya saing UMKM, yang menghadapi tantangan dalam pemasaran produk pasca-pandemi Covid-19. Produk kerajinan tas anyam memiliki potensi besar untuk bersaing di pasar domestik dan internasional, namun masih banyak permasalahan terkait distribusi, pemasaran, dan kualitas produk. Oleh karena itu, strategi pemasaran digital dan pengembangan produk diperlukan untuk meningkatkan daya saing dan memperluas pasar. Penelitian ini menggunakan pendekatan kualitatif deskriptif untuk menggali potensi dan permasalahan UMKM serta memberikan solusi berbasis teknologi digital dan inovasi desain produk. Pendampingan yang diberikan bertujuan untuk memperkenalkan cara-cara baru dalam pemasaran dan produksi agar UMKM tas anyam dapat bertahan dan berkembang di tengah persaingan global. Hasil dari kegiatan ini yaitu adanya peningkatan pemasaran produk UMKM khususnya tas anyam setelah dipasarkan secara digital sehingga mampu menjangkau pasar yang lebih luas.
Analysis of Maqsud tahqiqi al-adl in Multi-Level Marketing transactions from Ibn Taimiyyah's perspective Kamaluddin, Imam; Nurafni, Fina
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 5 No. 1 (2025): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v5i1.695

Abstract

This study aims to analyze the extent of the application of maqsud tahqiqi al-'adl in multi-level marketing (MLM) transactions. This is very important to do a review by analyzing more deeply from the aspect of the halal system, model, and products traded. That is because people consider MLM transactions very promising to get large profits through relatively small capital. However, DSN-MUI has issued fatwa No. 75/DSN MUI/VII 2009: 75/DSN MUI/VII 2009 on the halalness of Sharia Multi-Level Marketing (MLMS). But in practice, there is still a money game in giving bonuses that do not meet sharia principles. This research is library research using qualitative methods sourced from secondary data obtained by collecting information from various kinds of literature. The analysis technique used in this research is descriptive-analytical. This research seeks to provide a comprehensive and in-depth understanding of the MLM business and is analyzed with maqasid sharia Ibn Taymiyyah. The results showed that sharia MLM is a legitimate transaction because it does not contradict the arguments and is by the sale and purchase contract if practiced by the conditions in DSN Fatwa No. 75/dsn mui/vi: 75/DSN MUI/VII 2009. The system adopted by MLMS in the way of donation is by one of Ibn Taymiyyah's maqasid, namely Maqsud tahqiqi al-adl, which states
a Standarisasi Nadzir Wakaf Berdasarkan Undang-Undang Wakaf (Studi di Masjid Raya Al-Falah Sragen, Jawa Tengah): Studi Kasus Di Masjid Raya Al-Falah Sragen, Jawa Tengah Nadia, Asma; Lahuri, Setiawan bin; Kamaluddin, Imam; Nasution, Saipul
JOURNAL OF INDONESIAN COMPARATIVE OF SYARIAH LAW Vol 8 No 1 (2025): Ilmu Syariah dan Ilmu Hukum
Publisher : Journal of Indonesian Comparative of SyariÆah Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jicl.v8i1.13852

Abstract

Penelitian ini bertujuan untuk: (1) mengetahui praktek pengelolaan wakaf di Masjid Raya Al-Falah Sragen, dan (2) menganalisis penerapan Undang-Undang Nomor 41 Tahun 2004 Tentang Wakaf terkait tentang standarisasi kompetensi nadzir pada nadzir di Masjid Raya Al-Falah Sragen. Dalam penelitian ini, peneliti menggunakan metode penelitian kualitatif dengan pendekatan hukum normatif. Hasil penelitian menunjukkan bahwa pengelolaan wakaf di Masjid Raya Al-Falah Sragen mencakup kategori wakaf produktif dan program berbasis aset wakaf, yang berkontribusi pada kesejahteraan dan pengembangan ekonomi masyarakat. Namun, nadzir belum sepenuhnya memenuhi standar sesuai dengan Undang-Undang Nomor 41 Tahun 2004 Tentang Wakaf, khususnya terkait pendaftaran resmi, pelaksanaan tugas administratif, pengelolaan, dan pelaporan aset wakaf. Hak-hak nadzir juga belum terpenuhi sesuai dengan peraturan. Penelitian ini merekomendasikan peningkatan jumlah nadzir yang kompeten, penyediaan pendidikan dan pelatihan untuk nadzir, serta penguatan pemahaman dan kepatuhan terhadap regulasi wakaf. Upaya ini diharapkan dapat mendukung optimalisasi pengelolaan aset wakaf di Masjid Raya Al-Falah Sragen.layanan berupa pendampingan yang dibagi menjadi 3 yaitu pendampingan medis, pendampingan psikologis, dan pendampingan hukum.
Peningkatan Kualitas Produk Melalui Optimalisasi Sistem Keamanan Pangan dan Kandungan Gizi di UM Savira Frozen Food: Improving Product Quality Through Optimizing the Food Safety System and Nutritional Content at UM Savira Frozen Food Utomo, Bambang Setyo; Urrosyidin, Mohammad Syifa; Zuhroh, Ainun Amalia; Lahuri, Setiawan bin; Kamaluddin, Imam
Jurnal Abdimas Le Mujtamak Vol. 5 No. 1 (2025): Le MUJTAMAK 2025: Januari - Juni
Publisher : Universitas Islam Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46257/jal.v5i1.1168

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberikan edukasi kepada para pekerja di bidang usaha mikro makanan “Savira Frozen Food” mengenai aspek keamanan pangan dan kualitas pangan yang berkaitan dengan kandungan gizi. Terdapat tantangan yang dihadapi oleh UM Savira Frozen Food yaitu kurangnya pemahaman tentang standar keamanan pangan, yang dapat berpotensi membahayakan kesehatan konsumen. Selain itu, terdapat kekurangan informasi mengenai kandungan gizi produk, yang berdampak pada daya tarik di pasar yang semakin peduli terhadap kesehatan. Juga, tidak adanya panduan praktis untuk memperbaiki kualitas produk tanpa mengurangi efisiensi produksi menjadi masalah yang perlu diatasi. Dalam pelaksanaan pengabdian ini, digunakan metode ceramah, diskusi kelompok, analisis laboratorium, dan pendampingan. Kegiatan ini ditujukan kepada tiga pekerja penjamin mutu di industri UM Savira Frozen Food. Hasil dari pengabdian ini menunjukkan bahwa masyarakat memperoleh pelatihan mengenai keamanan pangan dan dilakukan analisis laboratorium terhadap zat gizi dalam produk Frozen Food, yang nantinya akan dicantumkan pada kemasan produk di bagian informasi gizi, sehingga dapat meningkatkan kualitas dan kepercayaan konsumen.
Peningkatan Pengetahuan tentang Standarisasi dan Jaminan Halal Pemilihan Bahan Baku UM Savira Frozen Food: Enhancing Knowledge on Standardization and Halal Assurance in Raw Material Selection for UM Savira Frozen Food Syamsuri, Syamsuri; Rahmawan, Arief; Ahmad, Rusyda Afifah; Umam, Khoirul; Kamaluddin, Imam
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 7 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i7.9386

Abstract

Currently, various products are offered to attract consumer interest, especially in the food industry with fast and practical serving offers. Frozen food is a food choice that is currently growing rapidly in Indonesia, including in Ponorogo Regency. Along with the increasing interest in consuming frozen food, awareness of the halal aspects of products is needed and must be considered by food producers. However, the limitations and understanding of Islamic Sharia standards have not become a principle in running a business. Therefore, the purpose of this community service is in the form of assistance starting from the preparation of training modules, socialization, and introduction of halal concepts, theoretical and practical training, assistance and consultation, and implementation of halal certification. Assistance to UM Savira Frozen Food is focused on understanding how to choose halal raw materials according to halal value chain standards. Through this training, business actors will be given practical knowledge regarding the criteria for halal raw materials, halal verification methods, and the application of halal standards in the entire production process. The results of this activity have a positive impact in terms of knowledge and understanding of partners who are aware of halal standards to ensure that products produced by micro businesses have guaranteed quality and meet halal criteria, providing a sense of security and trust to consumers.
FIQH STUDY OF POWDERED BREAST MILK FROM THE PERSPECTIVE OF THE MALIKI AND SHAFI'I SCHOOLS IN THE NUSANTARA Fathoni, M Insan; Awalia, Fadhila Tianti Mudi; Kamaluddin, Imam; Sa’adah, Yaumi
istinbath Vol. 24 No. 1 (2025): June
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i1.949

Abstract

This study explores the differing views of the Maliki and Shafi’i schools on whether breastfeeding using powdered breast milk (ASI Bubuk) establishes a mahram relationship. It also examines how this issue fits within Islam's social and cultural context in the Nusantara region. One of the key questions is whether transforming breast milk into powder changes its essential characteristics: color, taste, and smell. Using a comparative descriptive approach, this research highlights that both schools agree that powdered breast milk can create a mahram bond if its core properties remain unchanged, even when mixed with food, drinks, or medicine. However, they set different conditions. The Maliki school holds that a single feeding session is enough, whether the milk enters through the mouth or nose, as long as it reaches the stomach and provides nourishment. On the other hand, the Shafi'i school requires five separate breastfeeding sessions, all within the first two years of a child's life. Beyond the legal debate, this study also considers powdered breast milk's social and health implications in determining mahram relationships. Given the evolving ways breast milk is processed and used, further research involving other schools of thought could offer deeper insights into how Islamic law adapts to modern developments.
Peningkatan Jangkauan Pemasaran di Era Digital Menggunakan Akun Shopee pada Savira Frozen Food Home Made: Expanding Marketing Reach in the Digital Era Using a Shopee Account at Savira Frozen Food Home Made Syamsuri, Syamsuri; Rumasukun, Muhammad Alfan; Rahayu, Amin Fonda Astiti Rob; Kamaluddin, Imam; Jamal, Mulyono
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 9 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i9.9606

Abstract

Savira Frozen Food Home Made is a micro-enterprise producing homemade frozen foods made from chicken. Despite offering high-quality products and receiving positive customer reviews, the business continues to face challenges in expanding its marketing reach. This is primarily because Savira Frozen Food Home Made relies solely on WhatsApp to offer and promote its products. As a result, it can only reach customers who already have and have saved the business's contact number. Sales are still carried out directly from the home as well. This community engagement initiative aims to broaden the marketing reach of Savira Frozen Food Home Made through the Shopee e-commerce platform. By utilising this digital platform, business opportunities and potential increases in income through expanded market reach are expected to grow significantly. It may also enhance the competitiveness of micro-enterprise products in the business world. The implementation methods include training and mentoring in creating a Shopee account, developing digital marketing strategies, optimising Shopee Ads features, and managing customer service and delivery. The mentoring results show an increase in marketing reach, with the products reaching 6 out of the 21 sub-districts in Ponorogo. These results demonstrate that using digital platforms can effectively expand the market of micro-enterprises and increase the competitiveness of their products more broadly.
Tawaruq dalam Ekonomi Syariah: Tinjauan Berdasarkan Kaidah Fiqh “Kullu hīlah tadhammanat isqāṭa ḥaqq aw istiḥlāl muḥarram fahiya muḥarramah” Kamaluddin, Imam; Elyanoor, Syifa
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 5 No. 4 (2025): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v5i4.937

Abstract

Penelitian ini membahas praktik tawaruq dalam ekonomi syariah dengan fokus pada kesesuaiannya terhadap prinsip-prinsip syariah, khususnya kaidah fiqh “Kullu hīlah tadhammanat isqāṭa ḥaqq aw istiḥlāl muḥarram fahiya muḥarramah”. Tawaruq, meskipun diperkenalkan untuk memenuhi kebutuhan pembiayaan tunai yang sah menurut syariah, seringkali diperdebatkan terkait potensi manipulasi atau rekayasa transaksi yang dapat merugikan salah satu pihak atau menghalalkan yang haram. Penelitian ini menggunakan metode library research dengan pendekatan kualitatif deskriptif, mengumpulkan data dari berbagai sumber tertulis, serta menganalisis pendapat ulama mengenai keabsahan tawaruq dalam produk perbankan syariah. Hasil penelitian menunjukkan bahwa meskipun tawaruq memungkinkan pembiayaan yang sesuai dengan syariah, banyak ulama yang melihat praktik ini sebagai bentuk hiyal yang dapat merusak prinsip keadilan dan transparansi dalam ekonomi syariah. Penelitian ini mengidentifikasi bahwa tawaruq, jika tidak diterapkan dengan hati-hati, berpotensi melanggar kaidah fiqh yang mengharamkan manipulasi dalam transaksi. Oleh karena itu, penerapan tawaruq dalam perbankan syariah perlu ditinjau kembali untuk memastikan kesesuaiannya dengan prinsip keadilan dan hukum syariah.
Co-Authors Abdurrahman , Hujjatul Islam Musthafa Adib Fattah Suntoro Agung Dwicahyo Ahmad, Rusyda Afifah Ahmadi, Samsuddin Nur Akbar, Rohul Akhmad Affandi Mahfudz Al Farizi, Salman Al Maskuri, M. Mava Saputra Alafianta, Novan Fatchu Anshori, Hudan Ngisa Arief Rahmawan Awalia, Fadhila Tianti Mudi Azizi, Mujadid Qodri Azmi, Muhammad Ulul Bagus Setiawan Bambang Setyo Utomo Bekti Galih Kurniawan Choir, Muhammad Iqbal Devid Frastiawan Amir Sup Diska Fatima Virgiyanti Eko Nur Cahyo Elyanoor, Syifa Farah Khoirunnisa Fathoni, M Insan Fathurrohman, Robby Fauzy Ahmad, Helmy Fazari Zul Hasmi Kanggas Febrian Arif Wicaksana Finis Triani Harahap, Soritua Ahmad Ramdani Iman Nur Hidayat Indallah, Sayyid Muhammad Indallah, Sayyid Muhmmad Isma Aulia Roslan Izzatullah, Faiz Jafar, Abdul Jakiyudin, Ahmad Havid Jaya, Masterman Amin Khoiriah, Alvi Salwa Khoirul Umam Khoirul Umam Kurniawan, Ahmad Ramadani Lathiefa Rusli Lutfiah, Asti Manaanu, Yusuf Al Meitria Cahyani Moh Charis Ali Firdaus Mohammad Ghozali Mohammad Ghozali, Mohammad Mubarak, Dicky Syahar Mubarok, Ahmad Zakky Mufti Afif Muhammad Alfan Rumasukun Muhammad Ridlo Zarkasyi Mulyono Jamal Munir, Muhammad Hadi Wijaya Nadia, Asma Nisak, Radhiyatun Nurafni, Fina Nurfattah, Arizqiya Nurul Rahmania Nurunisa, Dwi Kurnia Okta Safitri, Dara Ayu Pamujo, Bagas Bambang Putri, Eka Risana Rachmawati, Andini Rahayu, Amin Fonda Astiti Rob Rahma, Fenita Wildani Ramadhan, Excel Abu Ramadhan, Naufal Azmi Risnan Putri, Eka Rohul Akbar Roslan, Isma Aulia Ryan Arief Rahman Sahidin, Amir Saipul Nasution Sasongko, Yogi Banar Sa’adah, Yaumi Setiaji, Izzuddien Setiawan Bin Lahuri Suyoto Arief Syahrudin Syahrudin, Syahrudin Syamsuri Syamsuri SYAMSURI Syamsuri Syamsuri Taufiq Ismail Tianti Mudi Awalia, Fadhila Triani, Finis Urrosyidin, Mohammad Syifa Vina Fithriana Wibisono Wahab, Aco Wildan Hakim, Wildan Wulandari, Citra Eka Yogaiswari, Kautsar Akhdan Yunita Wulandari, Yunita Zarkasyi, Muhammad Ridlo Zuhroh, Ainun Amalia