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Dinamika Perubahan Sosial Dalam Pasar Uang Syariah: Implikasi Filosofis Dan Sosio-Ekonomi Pada Penerapan Forward Contract Merdiana, Nadia; Hidayati, Tri
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.14292

Abstract

Penelitian ini bertujuan untuk mengkaji secara mendalam implikasi filosofis dan sosio-ekonomi dari penerapan instrumen forward contract berbasis syariah berdasarkan Fatwa DSN-MUI No. 96/2015. Penelitian ini menggunakan pendekatan kualitatif dengan studi kepustakaan sebagai metode utama, di mana data dikaji secara deskriptif dan dianalisis menggunakan teori maqashid al-shariah dan prinsip dasar fikih muamalah. Hasil penelitian menunjukkan bahwa fatwa tersebut tidak hanya memberikan legitimasi hukum terhadap praktik forward contract, tetapi juga menekankan pentingnya integritas nilai syariah seperti keadilan, transparansi, dan niat perlindungan. Dari sisi sosio-ekonomi, penerapan instrumen ini berkontribusi terhadap stabilitas sistem keuangan syariah, mendorong inovasi produk, memperluas inklusi keuangan, serta meningkatkan kepercayaan publik terhadap lembaga keuangan syariah. Analisis terhadap temuan ini menunjukkan bahwa forward contract dalam passar uang syariah menjadi instrumen keuangan modern yang mampu mengakomodasi kebutuhan pasar dengan tetap menjaga nilai-nilai Islam. Temuan ini memperkuat argumen bahwa sistem keuangan Islam tidak hanya relevan secara normatif, tetapi juga mampu beradaptasi dengan dinamika ekonomi kontemporer secara efektif dan etis.
Optimization of the Development and Market Share Growth of Sharia Insurance in the Modern Era Yusri, Muhammad; Sholatiah, Sholatiah; Fadholina, Cania Ainusifa; Hidayati, Tri
JURNAL EKONOMI SYARIAH Vol 10, No 2 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i2.16313

Abstract

Introduction to The Problem: The Islamic insurance industry in Indonesia has great potential to grow, especially considering the majority of Indonesia's population is Muslim. However, in reality, the market share of Islamic insurance in Indonesia is still lagging behind compared to other financial institutions and when compared to conventional insurance. Based on data as of December 31, 2022, it shows that conventional insurance premiums have a market share of 50.32%, social and compulsory insurance premiums are 45%, while Islamic insurance premiums only reach 4.76%.Purpose/Objective Study: This study aims to analyze strategies to optimize the development and increase market share of Islamic insurance in the modern era.Design/Methodology/Approach: This research uses a qualitative method with a descriptive approach to review literature related to marketing strategies, technological innovation, consumer behavior, and regulations in Islamic insurance.Findings: The research findings show that optimization of development can be achieved through product innovation in accordance with modern market needs, the application of digital technology, and increased Islamic financial literacy.In addition, strong regulatory support from the government, both from DSN-MUI and OJK, is essential in creating a conducive environment for the growth of Islamic insurance.The conclusion of this study states that collaborative strategies between Islamic insurance companies and related industries, as well as the utilization of digital technology, can increase the market share and competitiveness of Islamic insurance in the modern era.This optimization can expand product range and increase consumer confidence, as well as strengthen the position of Islamic insurance in the global financial market.Paper Type: Research Article
Concept and Implementation of Aqd Tabarru' in the Management of ZIS Funds at BAZNAS Kapuas Pamungkas, Danu; Hidayati, Tri
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.19585

Abstract

This study addressed the lack of specific research on the implementation of the tabarru’ contract in the management of ZIS (zakat, infak, and sadaqah) funds, particularly within zakat management institutions such as the National Zakat Agency (BAZNAS) of Kapuas Regency. The Aqd tabarru’, which was grounded in the principles of mutual assistance and non-commercial orientation, held significant potential as an effective Sharia-based framework for managing Islamic social funds. The objective of this research was to explore the concept and practical application of the Aqd tabarru’ at BAZNAS Kapuas, shifting the discussion from its practice in Islamic insurance to its relevance in zakat institutions. This study employs a qualitative descriptive method with a field research design, utilizing interviews, observations, and direct documentation at BAZNAS Kapuas. The findings reveal that the Aqd tabarru’ is implemented in the form of hibah (grant), whereby funds are distributed freely to beneficiaries (mustahik) through transparent and verified social programs. Although the main challenges lie in public zakat literacy and the accuracy of fund distribution, BAZNAS Kapuas addresses these issues through continuous education and the implementation of a Sharia-compliant verification system. This research affirms that the application of the tabarru’ contract in ZIS fund management is not only feasible but also relevant and effective in promoting Sharia-based social justice.
Contractual Gaps in Ijarah Maushufah fi al-Dzimmah within Pre-Order Real Estate Schemes Kasih, Bella Mutiara; Hidayati, Tri
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.19588

Abstract

The Ijarah Maushufah Fi Al-Dzimmah (IMFZ) contract is a form of ijarah contract used in property pre-order transactions, where the benefits of the goods are promised before the object of the contract actually exists. Despite having a strong sharia basis, the implementation of this contract in the Indonesian real estate industry often creates gaps, both legally and in practice in the field. This study aims to analyze the factors that cause this gap and evaluate its impact on consumers. The method used is a qualitative approach with descriptive analysis, through data collection from official documents such as DSN-MUI fatwas, BPS reports, and relevant case studies. The results of the study indicate that many developers do not fulfill the principles of prudence and transparency as stipulated in the DSN-MUI fatwa No. 112/DSN-MUI/IX/2017 and the Regulation on the Protection of Business Actors and Consumers, thus potentially harming consumers. In addition, the inconsistency between contract practices and sharia principles and weak regulations are the main factors in the gap. Thus, it requires stricter supervision, education for consumers, and collaboration between developers, Islamic financial institutions, and regulators to create a fairer and more trustworthy Islamic property ecosystem
Stability Analysis of Lotka-Volterra Model in The Case of Interaction of Local Religion and Official Religion Hidayati, Tri; Kurniawan, Wiwit
International Journal of Educational Research & Social Sciences Vol. 2 No. 3 (2021): June 2021
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v2i3.97

Abstract

The purpose of this research is to examine the interaction of local religions and official religions using the Lotka Volterra equation model. This study uses a literature study, which means that all the material in this study is taken, collected and compiled from various existing book sources. The steps in this study are to find the equilibrium point of each equation, then examine the behavior of each equilibrium point obtained. In this study, an analytical study of the prey population model has three equilibrium points, namely and . The stability of the interaction between local religions and official religions is achieved at an equilibrium . From this it shows that the interaction of official religion and local religion does not necessarily lead to the extinction of a religion. The interaction of local religious and official religion there is a point of equilibrium, where the social reality they can work in harmony.
The Islamic Response to Modernity and Ecological Crisis Hidayati, Tri; Kurniawan, Wiwit
International Journal of Educational Research & Social Sciences Vol. 3 No. 3 (2022): June 2022
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v3i3.406

Abstract

The problem of the ecological crisis and various environmental issues that arise today cannot be separated from the role of religion and religious communities as entities that are in contact with the environment. Muslims as the largest number of people in Indonesia have an influenced by their lifestyle in the environment. Therefore, awareness of environmental preservation is an important thing to consider in the actions and behavior of Muslims. This study aims to reveal how Islam responds to environmental issues. This research is a literature study using discourse analysis. The results of the study show that Islamic thought provides a critique of modernity that is misguided, and it causes human domination over nature. In addition, there is an Islamic understanding of new interpretations of the doctrine that can build relationships between humans and others. Also, there are daily practices of Muslims that show respect for nature.
PERAN MAHASISWA IAIN PALANGKA RAYA DALAM MENSOSIALISASIKAN PERBANKAN SYARIAH KEPADA MASYARAKAT Novita, Novita; Hasnita, Hasnita; Adlina, Fadiah; Hidayati, Tri
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/fkprme34

Abstract

Penelitian ini dilatarbelakangi oleh pentingnya peningkatan literasi masyarakat terhadap perbankan syariah di tengah dominasi sistem keuangan konvensional. Tujuan penelitian ini adalah untuk mengetahui peran mahasiswa Program Studi Perbankan Syariah IAIN Palangka Raya dalam mensosialisasikan perbankan syariah kepada masyarakat. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data berupa wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa mahasiswa terlibat aktif dalam sosialisasi melalui program MBKM, organisasi HMPS, dan pengabdian kepada masyarakat. Kegiatan ini memberikan dampak positif baik bagi masyarakat dalam hal peningkatan pemahaman tentang keuangan syariah, maupun bagi mahasiswa itu sendiri melalui peningkatan keterampilan komunikasi, kepemimpinan, dan pengetahuan praktis. Namun, tantangan seperti rendahnya literasi masyarakat dan kecenderungan terhadap perbankan konvensional masih menjadi hambatan. Oleh karena itu, peran mahasiswa perlu terus diperkuat dan didukung secara berkelanjutan sebagai bagian dari pelaksanaan Tri Dharma Perguruan Tinggi.
Sociological Dimensions in the Implementation of Salam Contracts in Rambutan Trade Transactions in Tangkiling, Central Kalimantan Rifai, Agus; Hidayati, Tri; Mohd Zahir, Mohd Zamre
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

Abstract

The implementation of salam contracts in agricultural trade often faces tension between classical fiqh norms and local socio-economic dynamics, including in rambutan trade transactions in Tangkiling, Central Kalimantan. The discrepancy between the legal pillars and requirements of salam and trust-based social relations raises questions regarding the validity and normative transformation of such contracts within agrarian communities. This study aims to analyze the sociological dimensions of salam contract implementation in rambutan trade transactions in Tangkiling and to identify the social factors influencing these practices. This research employs a qualitative approach with a field study design, utilizing in-depth interviews, participatory observation, and document analysis. The data were analyzed descriptively and analytically using the perspective of Islamic legal sociology. The findings reveal that salam practices are conducted informally through trust-based transactions, flexible price negotiations, and adaptive arrangements in response to harvest fluctuations. Social solidarity, patron–client relationships, and farmers’ liquidity needs emerge as key determinants shaping transaction patterns. From a normative perspective, several elements of the salam contract are fulfilled; however, flexibility in determining product specifications and delivery time is influenced by local socio-economic contexts. The study highlights the importance of a contextual approach in understanding salam contract implementation and recommends strengthening community-based fiqh muamalah literacy to enhance legal certainty and protection for all parties involved.
The Concept of Justice in the Determination of Murabahah Margin in BPRS: Normative Analysis of Sharia Economics Istiqomah; Hidayati, Tri
Jurnal Hadratul Madaniyah Vol. 13 No. 1 (2026): Jurnal Hadratul Madaniyah
Publisher : ​Institute for Researches and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/jhm.v13i1.11724

Abstract

This article examines the concept of justice in determining the margin of murabahah in Sharia People's Financing Banks (BPRS) using a normative approach to sharia economics. The focus of the research is directed at the conformity of the practice of determining margins with the principles of fiqh muamalah, maqashid al-sharia, as well as applicable regulations, especially the DSN-MUI Fatwa and OJK regulations. The results of the analysis show that although normatively the margin of murabhah should be based on cost of goods transparency, voluntary agreements, and information disclosure, practices in the field are still influenced by conventional benchmarks such as market interest rates and internal decisions of the Asset Liability Committee (ALCO). This situation has the potential to cause an identity crisis for Islamic financial institutions and weaken the principle of ridha bi al-taradhi. This study emphasizes the urgency of preparing national guidelines for determining margins based on maqashid al-sharia, the implementation of a more participatory negotiation mechanism between banks and customers, and increasing transparency through accountable written documents. Thus, this article contributes to strengthening the identity and legitimacy of Islamic banking while offering a normative framework as an alternative to pragmatic, market-oriented practices.
MENCIPTAKAN TOKO ONLINE YANG MENARIK BAGI SMK PUTRA PERTIWI Arafat, Muhammad Yasser; Agustian, Bobi; Hidayati, Tri
JAMAIKA: JURNAL ABDI MASYARAKAT Vol 7 No 1 (2026): FEBRUARI
Publisher : Universitas Pamulang

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

Abstract

In today’s digital era, the existence of an e-commerce platform is crucial for vocational educational institutions to market student-made products and serve as a medium for digital entrepreneurship learning. SMK Putra Pertiwi possesses significant potential in creative products but remains constrained by market reach and online visual product presentation. This program aims to create an attractive and professional online store using the WordPress platform supported by the WooCommerce plugin. The implementation methods include needs analysis, responsive interface design (UI/UX), and content management training for staff and students. The output of this program is a functional, aesthetic, and easily manageable online store website. Through this initiative, SMK Putra Pertiwi is expected to enhance its digital competitiveness, expand marketing reach, and provide practical experience for students in managing a digital business ecosystem. Keywords: Online Store, WordPress, SMK Putra Pertiwi, E-commerce, Digital Entrepreneurship