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All Journal HIKMATUNA: Journal for Integrative Islamic Studies Hikmatuna Jurnal Pengabdian Masyarakat (Z-COVIS)
Homaidi Hamid
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Riba Potentials in DSN-MUI’s Fatwa Concerning Gold Rahn Homaidi Hamid
Hikmatuna : Journal for Integrative Islamic Studies Vol 9 No 2 (2023): Hikmatuna: Journal for Integrative Islamic Studies, December 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/hikmatuna.v9i2.1330

Abstract

This study aims to analyse the usury potential contained in the National Sharia Council-MUI Fatwa Number: 26/DSN-MUI/III/2002 about Gold Rahn. This research was conducted to examine the fatwa from the perspective of Usul Fiqh. Islamic Sharia forbids riba (usury) and things that can encourage usury. The things that can encourage the occurrence of usury prohibited by Islamic Sharia are the merger of the Qardh contract and buying and selling, as well as other exchange contract, such as ijarah. On the other hand, Fatwa of the National Sharia Board-Indonesian Council of Ulama (DSN-MUI) Number: 26/DSN-MUI/III/2002 about Gold Rahn actually opens the opportunity for usury because it allows the merger of the qardh and ijarah contract. This research combines literature and field research methods. Data was collected through literature search, documentation techniques and interviews. Triangulation techniques are used to test the validity of data. Next, the data is analysed and concluded. This research found that: 1) the potential for usury is due to the absence of restrictions on taking marhun maintenance fees by Islamic Financial Institutions. If the amount of service fees imposed by the Islamic Bank in maintaining marhun exceeds a reasonable price, the excess is considered usury. 2) The price excess is approved by the customer solely because the customer gets a loan from the Sharia Finance Institution (LKS). Also, LKS wants to provide loans to customers solely because customers want to pay fees that exceed reasonable maintenance costs.
Riba Potentials in DSN-MUI’s Fatwa Concerning Gold Rahn Homaidi Hamid
Hikmatuna : Journal for Integrative Islamic Studies Vol 9 No 2 (2023): Hikmatuna: Journal for Integrative Islamic Studies, December 2023
Publisher : UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/hikmatuna.v9i2.1330

Abstract

This study aims to analyse the usury potential contained in the National Sharia Council-MUI Fatwa Number: 26/DSN-MUI/III/2002 about Gold Rahn. This research was conducted to examine the fatwa from the perspective of Usul Fiqh. Islamic Sharia forbids riba (usury) and things that can encourage usury. The things that can encourage the occurrence of usury prohibited by Islamic Sharia are the merger of the Qardh contract and buying and selling, as well as other exchange contract, such as ijarah. On the other hand, Fatwa of the National Sharia Board-Indonesian Council of Ulama (DSN-MUI) Number: 26/DSN-MUI/III/2002 about Gold Rahn actually opens the opportunity for usury because it allows the merger of the qardh and ijarah contract. This research combines literature and field research methods. Data was collected through literature search, documentation techniques and interviews. Triangulation techniques are used to test the validity of data. Next, the data is analysed and concluded. This research found that: 1) the potential for usury is due to the absence of restrictions on taking marhun maintenance fees by Islamic Financial Institutions. If the amount of service fees imposed by the Islamic Bank in maintaining marhun exceeds a reasonable price, the excess is considered usury. 2) The price excess is approved by the customer solely because the customer gets a loan from the Sharia Finance Institution (LKS). Also, LKS wants to provide loans to customers solely because customers want to pay fees that exceed reasonable maintenance costs.
PENGEMBANGAN USAHA PRODUKTIF BERBASIS DIGITAL MARKETING: UPAYA MEWUJUDKAN SEKOLAH SMK MUHAMMADIYAH MANDIRI DAN INOVATIF Sutrisno; Syarif As’ad; Homaidi Hamid; M Husnaini
Jurnal Pengabdian Masyarakat (Z-COVIS) Vol. 1 No. 1 (2025): Jurnal Pengabdian Masyarakat (Z-COVIS)
Publisher : Penerbit Az-Zahra Media Society

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

Abstract

Pengembangan usaha produktif di lingkungan sekolah Muhammadiyah merupakan strategi penting untuk mencapai kemandirian ekonomi dan mendorong inovasi pendidikan. Penelitian ini bertujuan untuk mendeskripsikan implementasi pemasaran digital dalam pengelolaan unit usaha berbasis sekolah sebagai upaya peningkatan produktivitas, daya saing, dan kemandirian ekonomi sekolah Muhammadiyah. Pendekatan kualitatif deskriptif digunakan melalui observasi, wawancara, dan pendampingan guru dan siswa dalam mengelola usaha produktif dengan memanfaatkan teknologi digital. Hasil penelitian menunjukkan bahwa penerapan strategi pemasaran digital berhasil memperluas jangkauan pasar, memperluas jaringan konsumen, dan mendorong kreativitas siswa dalam berwirausaha. Lebih lanjut, sekolah memperoleh pendapatan tambahan yang mendukung kegiatan pendidikan dan peningkatan fasilitas. Oleh karena itu, pemasaran digital dapat dianggap sebagai instrumen yang efektif untuk mewujudkan sekolah Muhammadiyah yang mandiri secara ekonomi dan inovatif dalam menjawab tantangan era digital.
Co-Authors M Husnaini SUTRISNO Syarif As’ad