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All Journal Ahkam: Jurnal Ilmu Syariah Al-Manahij: Jurnal Kajian Hukum Islam Indonesian Journal of Applied Linguistics (IJAL) IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan JMM17: Jurnal Ilmu Ekonomi dan Manajemen Al-Ahkam Episteme: Jurnal Pengembangan Ilmu Keislaman Al-Ihkam: Jurnal Hukum dan Pranata Sosial Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum DIKTUM: Jurnal Syariah dan Hukum Journal of Islamic Economic Laws Islamic Management: Jurnal Manajemen Pendidikan Islam Jurnal Hukum Ekonomi Syariah EQIEN - JURNAL EKONOMI DAN BISNIS Journal on Education Shirkah: Journal of Economics and Business JUPE : Jurnal Pendidikan Mandala Al-Maslahah Justisia Ekonomika Rayah Al Islam : Jurnal Ilmu Islam Jurnal Hukum Ekonomi Syariah Jurnal Pengabdian Masyarakat Multidisiplin Management of Zakat and Waqf Journal (MAZAWA)) Jurnal At-Tamwil: Kajian Ekonomi Syariah SANGAJI: Jurnal Pemikiran Syariah dan Hukum An-Nisbah : Jurnal Perbankan Syariah As-Sidanah : Jurnal Pengabdian Masyarakat ALMUJTAMAE: Jurnal Pengabdian Masyarakat Jurnal Al-Hakim : Jurnal Ilmiah Mahasiswa Studi Syariah, Hukum dan Filantropi Ukazh : Journal of Arabic Studies Al-Manahij : Jurnal Kajian Hukum Islam Tarling : Journal of Language Education Mazahib: Jurnal Pemikiran Hukum Islam Jurnal Multidisipliner Bharasa Syarah: Jurnal Hukum Islam dan Ekonomi Jurnal Indonesia Sosial Sains Saree : Research in Gender Studies El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Epistemé: Jurnal Pengembangan Ilmu Keislaman Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum Journal of Ekonomics, Finance, and Management Studies IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Jurnal Keislaman Jurnal At-Tamwil: Kajian Ekonomi Syariah HUKUM EKONOMI ISLAM Journal of Islamic Economic Laws
Muh Nashiruddin
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Other

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Penyelesaian Pembiayaan Bermasalah (NPF) Akad Murabahah Dewi, Yuni Ratna; Nashirudin, Muh
Eqien - Jurnal Ekonomi dan Bisnis Vol 13 No 04 (2024): Eqien - Journal of Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam DR KH EZ Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34308/eqien.v13i04.1824

Abstract

The problem that often arises from the distribution of financing is the case of delinquent repayment of financing that can disrupt the liquidity and profitability of financial institutions. Murabaha financing is a product that is in great demand by the lower middle class because the process is very simple and faster by using a sale and purchase agreement with collateral or collateral. The purpose of this study was to analyze the resolution of non-performing finance (NPF) at KSU JMS Karanganyar. This research uses a qualitative descriptive approach. Data collection methods with interviews, observation and documentation. Factors that influence the emergence of non-performing financing are triggered by internal factors and external factors. Internal factors include weaknesses in financing analysis, financing period, less than optimal control from LKS, and less than optimal risk screening. External factors include customer bad faith, declining customer approach, disasters such as the covid 19 pandemic outbreak and customer carelessness in the use of funds. The policies taken by KSU JMS Karanganyar to reduce NPF include On The Spot, collection, restructuring, settlement through collateral, write off, and the formation of a risk team. The success of this NPF reduction apart from the policies taken is also influenced by the improvement of the national economy and the economy of the community.
Pengelolaan Zakat Produktif Ternak Kambing Dalam Perspektif Hukum Islam Zul Fahmi; Muh. Nashirudin
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 11 No 2 (2022): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v11i2.598

Abstract

This research was conducted to analyze how the productive zakat program for goats was carried out by Baitul Mal Forum Komunikasi Antar Masjid (BMFKAM) Surakarta and how Islamic law reviewed the implementation of the program. This study uses a qualitative method with a normative juridical approach. Interviews and documentation carried out data collection techniques. The results of the study found that there was compatibility between the productive zakat program for goat livestock implemented by BMFKAM Surakarta with Islamic law and laws regarding zakat management. The productive zakat program for goats has a tremendous economic impact on beneficiaries, including jobs and opportunities to improve their welfare. Theoretically, this research can be an additional reference for other researchers and academics who wish to conduct the same research on productive zakat, especially goats. This research can inspire the community and zakat managers to make zakat distribution programs more creative, innovative, and beneficial for the community's economic development.
Analisis Akad Pemberian Hadiah dalam Produk Wadiah pada Lembaga Keuangan Syariah Perspektif Hukum Islam Rahmika, Izam Bahtiar; Nashirudin, Muh
JURNAL HUKUM EKONOMI SYARIAH Vol. 7 No. 2 (2024): Oktober
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v7i2.22488

Abstract

Berkembangnya LKS tentu tidak lepas dari promosi. Salah satu cara yang dilakukan banyak LKS adalah pemberian hadiah pada produk wadiah. Dalam tabungan wadiah berhadiah ini, nasabah akan mendapatkan hadiah tanpa diundi sesuai dengan besaran nominal tabungan dan jangka waktu tabungan yang telah disepakati. Pemberian hadiah pada produk wadiah tentu menimbulkan suatu permasalahan karena pemberian hadiah diberikan setelah terjadinya kesepakatan wadiah, baik pemberian hadiah tersebut dilakukan sebelum teken kontrak maupun sesudahnya. Sehingga, penentuan akad yang dipakai oleh LKS dalam menjalankan praktik ini tentu menjadi sangat menarik untuk dibahas. Jenis penelitian ini adalah penelitian kualitatif. Penelitian ini terfokus pada penentuan akad yang dipakai dalam praktik pemberian hadiah pada produk wadiah. Metode pendekatan yang dipakai adalah pendekatan normatif. Teknik pengumpulan data dalam penelitian ini menggunakan studi literatur. Metode analisis data yang digunakan dalam penelitian ini adalah metode induktif. Kesimpulan yang didapat penulis dalam penelitian ini adalah pemberian hadiah dibolehkan selama niat dan tata cara memberikan hadiah tidak melenceng dari syariat Islam. Pemberian hadiah pada produk wadiah tidak boleh dijanjikan di awal akad wadiah. Hadiah harus berupa bonus yang diberikan secara sukarela. Pada praktik pemberian hadiah, penentuan pemberian hadiah dilakukan pada saat sebelum akad wadiah berlangsung. Pemberi hadiah atau bonus adalah pihak LKS sebagai penerima titipan tanpa dipersyaratkan oleh nasabah sebagai pihak penitip. Pemberian hadiah tidak mengurangi jumlah uang yang dititipkan. Nasabah harus menyepakati besaran deposito awal dan panjang jangka waktu simpanan sebagai persyaratan mendapatkan hadiah. Ketika hadiah diberikan setelah terjadinya akad wadiah, maka hadiah masuk dalam kategori akad ju’alah.
Bank Interest Legality Analysis Between the Perspectives of Darul Ifta' Almishriyyah and Fatwa Authorities in the Islamic World Muchammad Fathoni Fanani; Muh. Nashirudin
Jurnal Indonesia Sosial Sains Vol. 6 No. 3 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i3.1649

Abstract

Muslims in every activity must be based on Islamic values in order to achieve happiness in the world and the hereafter, one of which is economic activity. The essence of the prohibition of usury in Islam is to eliminate injustice and remove injustice in every economic transaction. Meanwhile, usury or interest is a form of exploitation of the upper class to the lower class by extracting maximum profit. The purpose of this research is to analyze the legality of bank interest from two authoritative perspectives in the contemporary Islamic world, namely darul ifta' almishriyyah and Fatwa Institutions in the world. These two research objects have different views on the legal status of bank interest. This study uses a qualitative-descriptive method with a normative approach and document analysis of the fatwas of these institutions. The results of the study prove that the majority of the World Fatwa Institutions tend to prohibit the practice of interest in modern banking. According to them, bank interest is not in accordance with the principle of mudhorobah and is included in the category of riba nasiah which is prohibited by Islam. The concept of usury is very far from the principle of justice and prioritizes economic exploitation of weak groups. In contrast, Egyptian fatwa institutions tend to allow lending, especially in the context of modern banking that has been regulated by the state. They have the perspective that the practice of interest that is applied by modern banking today is not included in the category of usury which is absolutely forbidden in Nash.
Islamic Legal Policy on Ultra-Micro Enterprise Financing and Its Implementation from the Perspective of Maqāṣid al-Sharī‘a Diatmoko, Tri; Absori, Absori; Wardiono, Kelik; Nashirudin, Muh; Budiono, Arief
Al-Ahkam Vol. 35 No. 1 (2025): April
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ahkam.2025.35.1.25207

Abstract

Until the mid-19th century, the Dutch colonialism (the Western world) began to intervene in the indigenous legal systems of Indonesia. The current situation marks the beginning of a decline in the civilization of Muslims, particularly in Indonesia. This development raises concerns about the future of Indonesian society as a whole. This decline permeated various aspects of life, including the field of mu’āmala law, which began to adopt usury-based concepts. This research aims to reconstruct the Islamic legal policy on Ultra-Micro (UMi) Financing as practiced by the Indonesian government, which still contains elements of usury (ribā) in its implementation. This study employs a qualitative approach using empirical-socio-legal research methods involving an analysis of UMi Financing contracts, interviews with stakeholders, and direct observations in Surakarta. The analysis is grounded in the theory of maqāṣid al-sharī’a, including the principles of ribā as outlined in classical Islamic jurisprudence (turāth). The findings reveal a research gap that the current legal policy on Sharia ultra-micro financing implemented by the government had ribā, which is found in classical Islamic texts.
Modernizing Zakat and Waqf Management in Indonesia: A Legal And Governance Perspective Nashirudin, Muh.; Razali, Ramadhan; Ulfah, Almira Keumala
Mazahib Vol 24 No 1 (2025): VOLUME 24, ISSUE 1, 2025
Publisher : Fakultas Syariah UINSI Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/mj.v24i1.9419

Abstract

Zakat and waqf are vital tools for poverty alleviation in Islamic countries. However, their management often fails to keep pace with technological advancements, so legality and good governance cannot be seen directly by the muzakki. In Indonesia, the largest Muslim-majority country, the digitalization of zakat and waqf has emerged as a significant reform, supported by regulations to improve transparency, accountability, and efficiency. This study examines the integration of corporate governance principles in digital zakat and waqf management, focusing on the regulatory framework that governs these practices. Employing normative legal research, this study analyzes Indonesia’s Zakat Management Law (No. 23 of 2011) and the Waqf Law (No. 31 of 2004), alongside case studies of digital zakat and waqf platforms. The findings highlight that these regulations mandate technology to enhance monitoring, reporting, and fund distribution. Adopting corporate governance frameworks, including digital fundraising, real-time tracking, and performance audits, has substantially increased public trust and participation in zakat and waqf. Nevertheless, challenges remain, such as regulatory gaps in monitoring non-compliance and integrating private sector innovations. This research underscores the importance of strengthening regulatory oversight and adopting global best practices to optimize the socio-economic impact of zakat and waqf in Indonesia.
Zakat dan Transformasi Digital: Tantangan dan Peluang Pengelolaan Zakat Era Modern Berdasarkan Perspektif Hukum Syariah Gatot Sujantoko; Muh. Nashirudin; Fairuz Sabig
Jurnal Hukum Ekonomi Syariah Vol 8, No 1 (2024): Juni 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v8i1.11217

Abstract

Digital transformation has an impact on various aspects of human life, including the way humans connect with God and fulfill their responsibilities as servants. For example, digital transformation is also bringing changes to conventional zakat mechanisms towards zakat that is integrated with internet and digital technology. This research aimed to explore the mechanism of zakat in the digital transformation era, the opportunities that arise, and the challenges that must be faced. This study used a qualitative approach, with data obtained from various literature studies. The results of the study showed that digital zakat has a unique mechanism that distinguishes it from conventional zakat management, including: 1) efficiency of the target selection system; 2) accessibility and convenience; 3) transparency and accountability; 4) efficient distribution and scale expansion; 5) ethical considerations; 6) individual interactivity and community involvement. In addition to individual interactivity and community involvement, the entire mechanism has complied with and is in accordance with Islamic law. Opportunities from the implementation of digital zakat are related to efficiency, the broader impact of zakat, and increased awareness and compliance of zakat payers. However, there are also challenges that must be faced related to institutional challenges, interpersonal challenges, security and privacy challenges, and regulatory challenges.Islamic law; digital transformation; digital zakat; zakat management.
IMPLEMENTATION OF THREE WINNING FORMULA: INTEGRATED EDUCATION MANAGEMENT MODEL AT PPTQ IBNU ABBAS KLATEN Kusyaeni, Kusyaeni; Retnaningsih, Woro; Nashirudin, Muh; Wardiyono, Kelik
Islamic Management: Jurnal Manajemen Pendidikan Islam Vol. 8 No. 02 (2025): Islamic Management: Jurnal Manajemen Pendidikan Islam (Article On Progress)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/im.v8i02.8605

Abstract

This study aims to describe the implementation of the Three Winning Formula as an integrated education management model at SMAIT Ibnu Abbas Klaten. This study uses a qualitative descriptive approach with data collection through interviews, observations and document studies. Data analysis is carried out through data reduction and checking the validity of data using data triangulation. The results of this study indicate that the integrated education management model 'Three Winning Formula' at SMAIT Ibnu Abbas Klaten is implemented through a structured cycle involving three synergistic units and comprehensive evaluation across all pillars; spiritual, intellectual and managerial. Strengthening aspects of worship, faith and spiritual discipline (for example: congregational prayer, tilawah coaching, dhikr, and Islamic manners). Important findings from research on the Three Winning Formula (Excellent Academics, Tahfidz and Morals, and governance (Good Governance) show that the synergistic integration of the three is the foundation of a strategy in forming an Islamic educational institution that is superior, has character, and is sustainable in the modern era.
Reaktualisasi Fatwa Dewan Syariah Nasional sebagai Instrumen Literasi Keuangan Syariah: Studi Intervensi Edukasi di Pondok Pesantren Nurul Qur’an Simo, Boyolali Wati, Asiah; Nashirudin, Muh; Cahyono, Andi; Lestari, Arum Fitri
ALMUJTAMAE: Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2025): Agustus
Publisher : Universitas Djuanda Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/almujtamae.v5i2.20821

Abstract

Tujuan dari kegiatan pengabdian kepada masyarakat adalah untuk memberikan pengetahuan kepada para santri terkait fatwa DSN sebagai bahan literasi keuangan syariah. Metode yang dilakukan yaitu melakukan sosialisasi, penyampaian materi, dan diskusi, melalui pendekatan edukatif, interaktif, dan kontekstual agar peserta tidak hanya memahami konsep dasar, tetapi juga mampu mengaitkan isi fatwa dengan praktik keuangan harian. Diharapkan bahwa pendekatan ini mampu membentuk kesadaran kritis dan kemampuan praktis santri dalam mengelola keuangan secara syariah. Selain itu, santri yang berasal dari luar daerah juga diharapkan menjadi agen penyebaran literasi keuangan syariah melalui aktivitas mereka setelah keluar dari pondok. Hasil kegiatan menunjukkan adanya peningkatan kesadaran kritis santri terhadap pentingnya pengelolaan keuangan sesuai prinsip syariah, serta antusiasme untuk mengintegrasikan nilai-nilai tersebut dalam kehidupan sehari-hari. Simpulan dari kegiatan ini menegaskan bahwa pendekatan edukatif berbasis fatwa DSN efektif dalam memperkuat literasi keuangan syariah di kalangan santri. Ke depan, disarankan adanya keberlanjutan program serupa dengan pendekatan kolaboratif bersama lembaga keuangan syariah.
Istihsan dan Formulasinya (Pro Kontra Istihsan dalam Pandangan Mazhab Hanafi dan Syafi’i) Nashirudin, Muh.
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 43 No 1 (2009)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v43i1.95

Abstract

Tulisan ini memberikan sedikit gambaran tentang perbedaan antara pendukung dan penentang istihsan yang pada hakikatnya hanya berupa perbedaaan redaksional. Sebagai sebuah metode penetapan hukum yang tetap berpegang pada dalil, istihsan disepakati penggunaannya oleh semua ulama. Istihsan juga tidak terbatas menggunakan qiyas khafi sebagai lawan dari qiyas jali, akan tetapi juga bisa dengan berdasar pada nash, ijma’, ‘urf, dan dharurah. Bila melihat bahwa tujuan utama penggunaan istihsan adalah menghilangkan  kesulitan dan mencapai kemaslahatan  maka istihsan merupakan salah satu metode penetapan hukum yang sangat mungkin untuk dilakukan pengembangan dan modifikasi agar bisa menjadi salah satu metode penetapan hukum yang dinamis, berkembang sesuai dengan perkembangan waktu. 
Co-Authors Absori Absori Agus Endro Suwarno Ahmad Azaim Ibrahimy Ali Ahmad, Zulfikar Almira Keumala Ulfah Anantyasari, Malta Anisatuzzahro, Farikha Anissa Widiyastuti Arief Budiono Aris Widodo Asri, Nuraini Binti Chabibatul Mu'awanah Devi, Elvira Rahma Dewi, Yuni Ratna Diatmoko, Tri Fadilah Qotimatun Puji Rahayu Fairuz Sabig Fairuz Sabiq Fanani, Muchammad Fathoni Fatah, Hairil Gatot Sujantoko Hairil Fatah Hikmawati, Fu'aida Nur Iskandar Dzulkarnain Isnaini, Sholikul Kelik Wardiono Kurnia Cahya Ayu Pratiwi Kusyaeni, Kusyaeni Laksono Trisnantoro Lestari, Arum Fitri Lilik Untari Luthfiana Zahriani M Usman M Usman M. Usman Maemunah Maemunah Malta Anantyasari Marjani Putri, Muslifah Millatus Sa'adah Moch Rusli Moh Abdul Kholiq Hasan Muchammad Fathoni Fanani Mudofir Muhammad Zainal Muttaqien Munir AlMubaroq, Misbakhul Mu’awanah, Chabibatul Nawawi Nawawi Nawawi Nawawi Nur Sahid Nuraini Binti Asri Nurrahman, M. Wildan Prasetyo, Joko Roby Pratiwi, Kurnia Cahya Ayu Priwitasari, Ashlih Rahmasari, Fardila Intan Rahmika, Izam Bahtiar Ramadhan Razali, Ramadhan Rifqi Firmansyah Robith Khoiril Umam Rosaadi, Syabila Saifullah, Ulinnuha Sartika, Yustin SF Luthfie Arguby Purnomo SF. Lukfianka Sanjaya Purnama Shabrina An Adzhani Sholikul Isnaini Siti Rokhaniyah Sujantoko, Gatot Sulistyaningsih Meliana Sumiati Surya Atmajaya, Ratu Sutikno, Annisyatulhuda Rani Ayuningtyas Uju Suji’ah Wardiyono, Kelik Wati, Asiah Widiyastuti, Anissa Woro Retnaningsih Zaki, Miftahuz Zul Fahmi