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All Journal Jurnal DIALEKTIKA : Jurnal Ilmu Sosial CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Aktualita : Jurnal Hukum JURNAL ECONOMINA Jurnal Hasil Pengabdian Masyarakat (JURIBMAS) Riset Ilmu Manajemen Bisnis dan Akuntansi Jurnal Media Akademik (JMA)
Ela Nurlaela
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : JURNAL ECONOMINA

 1 
Analysis of the Distribution and Sharia Compliance of Bank Muamalat’s Kuningan Branch “Soleh” (Hijrah Gold Solution) Product in the Digital Age Ela Nurlaela; Siti Aisah; Sri Rahayu; Misbahul Khoer; Sri Rokhlinasari; Septian Haerisma, Alvien
JURNAL ECONOMINA Vol. 5 No. 4 (2026): JURNAL ECONOMINA, April 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i4.1998

Abstract

This study aims to analyze the distribution mechanism and sharia compliance of the Solusi Emas Hijrah (SOLEH) product at Bank Muamalat in the digital era. The research uses a qualitative descriptive approach with a case study design. Data were collected through in-depth interviews, documentation, and literature studies, and analyzed using data reduction, data display, and conclusion drawing techniques. The results show that the gold financing mechanism through SOLEH is conducted using murabaha and rahn contracts, both manually and digitally through the Muamalat DIN application. From a sharia perspective, the implementation has complied with the principles set by DSN-MUI and international standards, including asset ownership, price transparency, and contract clarity. The use of digital systems in this product also reflects the concept of constructive possession (qabd hukmi). However, continuous supervision is required to minimize potential uncertainty risks. This study contributes to the development of digital Islamic financial services while maintaining sharia compliance.
Co-Authors Abdul Azis Adelia Riani Putri Alya Fitria Sari Andini Rayhana Fasha Anik Farida Azra Keanu Prakudia Dara Nirwana Dio Alif fadilla Endah, Kiki Fika Febriani FINA Iim Rahmatilah Ikhtia Faizatuz Zahrah Maiz Wachid Anshorie Mel Asni Muhammad Dzulfan G Muhammad dzulfan Gymnastiar Muhammad Zul Fahmi Akbar Nesya Angelita Regi Refian Garis Resti Nurwinawati Rhagiel Latuconsina Ridha Raya Dinayah Rifqi Maulana Rohmah, Aulia Kaila Septian Haerisma, Alvien Shifa Zahratuni salsabila SITI AISAH SRI RAHAYU Sri Rokhlinasari Syaeful Bahri Tommy Bektania Yanti Susanti