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All Journal IJTIHAD JESI (Jurnal Ekonomi Syariah Indonesia) Ekonis : Jurnal Ekonomi dan Bisnis Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah JES (Jurnal Ekonomi Syariah FiTUA : Jurnal Studi Islam Al-Mizan : Jurnal Hukum dan Ekonomi Islam JURNAL PENDIDIKAN IPS Ta’wiluna: Jurnal Ilmu Al-Qur’an,Tafsirdan Pemikiran Islam Jurnal Masyarakat Madani Indonesia Proceedings of Femfest International Conference on Economics, Management, and Business Journal of Scientific Interdisciplinary Proceedings of Femfest International Conference on Economics, Management, and Business Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Jurnal At-Tamwil: Kajian Ekonomi Syariah Seminar Nasional Pariwisata dan Kewirausahaan (SNPK) Journal of Islamic Banking

Zulfatus Sa’diah

Universitas Darussalam Gontor

Author-ID : 5690029

Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Implementasi Fatwa Dsn-Mui No: 77/Dsn-Mui/V/2010 Terhadap Akad Murabahah Pada Produk Cicil Emas Di Bank Syariah Mandiri Annas Syams Rizal Fahmi; Muhammad Irkham Firdaus; May Shinta Retnowati; Zulfatus Saï¿½diah
Jurnal Al-Mizan Vol 4 No 2 (2020)
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Ilmu Al-Qur'an (IIQ) Jakarta

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

Bank Syariah memiliki fungsi menghimpun dana dari masyarakat dalam bentuk titipan dan investasi dari pihak pemilik dana. Strategi baru telah dikembangkan dan diperkenalkan kepada industri perbankan syariah. Sebagai bentuk responden dari kebutuhan masyarakat tersebut, maka Bank Syariah memberikan jasa pelayanan kepada nasabah dalam bentuk jasa pelayanan keuangan untuk mengalihkan transaksi non Syariah (konvensional) yang telah berjalan menjadi transaksi yang sesuai dengan Syariah dengan memberikan jasa pembiayaan produk cicil emas yang di dasarkan dengan landasan hukum pada Fatwa Dewan Syariah Nasional. Dalam penelitian ini penulis membahas Analisis Pembiayaan Murabahah pada Produk Cicil Emas ditinjau dari Penerapan Fatwa DSN MUI No: 77/DSN-MUI/V/2010. Sehingga diharapkan mampu mengetahui bagaimana konsep mekasime penerapan akad dalam melakukan pembiayaan produk cicil emas dan juga landasan Fatwa DSN MUI. Pada penelitian ini penulis menggunakan metode kualitatif. Adapun untuk mendapatkan data-data pegawai dan nasabah yang melakukan pembiayaan produk cicil emas, penulis melakukan 3 cara yaitu dengan menggunakan observasi, wawancara dan dokumentasi, data yang terhimpun kemudian dianalisis dengan menggunakan metode analisis deskriptif. Hasil penelitian ini menunjukan bahwa praktik pembiayaan murabahah pada produk cicil emas di Bank Syariah Mandiri Kantor Cabang Pembantu Ponorogo sudah sesuai dengan fatwa DSN MUI No: 77/DSN-MUI/V/2010 tentang jual beli emas secara tidak tunai. Faktanya dalam praktik cicil emas pada Bank Syariah Mandiri Kantor Cabang Pembantu Ponorogo harga emas tidak bertambah selama akad berlangsung meskipun ada perpanjangan waktu setelah jatuh tempo, emas dijadikan jaminan dengan akad rahn dan disimpan di Bank Syariah Mandiri Kantor Cabang Pembantu Ponorogo, emas yang dijadikan jaminan tidak berubah akad dan tidak berpindah kepemilikan dan tetap disimpan di brankas Bank Syariah Mandiri Kantor Cabang Pembantu Ponorogo.

Implementation Of Khiyar On Ba'i Salam Transactions In Student Cooperative At Islamic Boarding School Darussalam Gontor For Girl 2 According To Fiqh Muamalah Daud Sukoco; Zulfatus Sa'diah; Aqif Khilmia
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 1 (2022): Jan-Juni 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i1.4039

Abstract Basically, buying and selling transactions in determining the contract, the party who transacts has the right to continue or cancel a contract. A solution in Islam, offering the right of khiyar. The purpose of this study was to determine the implementation of Khiyar in Ba'i Salam transactions at the Student Cooperative Store and to review it from the perspective of muamalah fiqh. The conclusion is that in the practice of ba’I salam carried out by the Gontor Putri 2 student cooperative with distributors, they have implemented khiyar aib, khiyar ru’yah, and khiyar syarat. When viewed from the point of view of fiqh muamalah, the application of khiyar aib is appropriate, because there was a new defect known to the buyer after the contract was made and before the receipt. khiyar aib is still allowed in muamalah fiqh because khiyar aib does not prevent the perfection of the handover of goods. However, the actual khiyar ru’yah, and khiyar syarat in ba'i salam are not necessary, because if the order has the right of the khiyar, then the goods will be borne by the seller, and so on, it is enough just to mention the specifications of the goods for the validity of the salam contract. Keywords: Khiyar, Ba’i Salam

Analysis of Religiosity and Halal Labels Towards Purchasing Decision on Cosmetic Products (Study on Regular Female Student of The University of Darussalam Gontor) Zulfatus Sa'diah; Milenia Ayu Saraswati; May Shinta Retnowati
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

This research aims at analyzing religiosity and halal labels toward purchasing decision's regular female students of University of Darussalam Gontor on a cosmetic product. The study uses quantitative methods with an explanatory approach. Then data analysis techniques using Structural Equation Modelling (SEM) is Partial Least Squares (PLS) with the help of Smart PLS version 3.2.9. to answer hypotheses. The first stage in the study was testing the validity of each variable question with its reliabilities. The second one verifying the combination between religiosity and halal labels toward purchase decisions on cosmetic products among regular female students of University of Darussalam Gontor. The results showed that halal labels influenced purchasing decisions by 68%, while the remaining 32% were influenced by another exogenous outside of the studied variables. The religiosity partially has a positive but insignificant effect on purchasing decisions. Whereas the halal labels partially have a positive and significant effect on purchasing decisions.

PROFIT SHARING PRACTICE IN MUKHABARAH CONTRACT ACCORDING TO FIQIH MUAMALAH (CASE STUDY IN SENDANG VILLAGE, JAMBON DISTRICT, PONOROGO REGENCY) Zulfatus Sa'diah; Muhamad Syamsul Huda
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 14 No. 1 (2022): Juni
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v14i1.5062

Cooperation with the mukhabarah contract profit sharing system is one of the muamalah activities that often occurs among the Indonesian people, especially in the agricultural sector and it involves two parties, namely the land owner and also the land cultivator. This study aims to determine the practice of agricultural production sharing in mukhabarah contracts and a review of muamalah fiqh on these practices. The results of this study indicate that the contract is carried out verbally with the provision of seeds and all cultivation capital is borne by the land cultivator, while for the distribution of the results it is divided by mertelu or 1/3 between the land owner and the cultivator. If it is reviewed in muamalah fiqh, the practice of the mukhabarah contract is appropriate, However, there is an element that is contrary to the conditions for mukhabarah, namely in the distribution of the harvest the results are not weighed first, only based on the number of sacks, each bag is filled with 3 baskets of harvest, the scales of which are not clear. So that there is an element of gharar and contains an element of injustice that results in disputes between land owners and land cultivators.

Eksistensi Peran dan Fungsi Legal Opinion Dalam Menyelesaikan Masalah Hukum May Shinta Retnowati; Salwa Fuadia; Zulfatus Sa'diah; Muhamamad Irkham Firdaus; Ihsan Hudiana
Ijtihad Vol. 16 No. 1 (2022): Ekonomi dan Hukum Islam
Publisher : Universitas Darussalam Gontor

Legal opinion memiliki peran dalam menyelesaikan kasus atau perbuatan melawan hukum, baik kasus hukum perdata maupun pidana. Masyarakat menggunakan legal opinion sebagai nasihat ketika mengalami suatu permasalahan hukum, yaitu dengan mendatangi penasehat hukum atau pengacara untuk membantunya dalam menyelesaikan permasalahan. Permasalahan yang akan dibahas dalam penelitian ini adalah mengenai eksistensi legal opinion dalam menyelesaikan masalah hukum. Sedangkan metode penelitian yang digunakan penulis adalah metode penelitian kualitatif dengan pendekatan yuridis empiris dengan pendekatan perundang-undangan (statute approach) dan pendekatan konseptual (conceptual approach). Hasil penelitian ini menunjukkan bahwa legal opinion menjadi salah satu alternatif mudah dan murah yang dapat degunakan oleh masyarakat dalam menyelesaikan permasalahan hukm. Legal opinion juga dapat digunakan sebagai dasar dalam menyikapi dan mencari jalan keluar atau pemecah terbaik atas suatu masalah hukum yang sedang dialami. Sedangkan tujuan legal opinion adalah untuk menjabarkan suatu kontekstual hukum baik secara inplisit maupun eksplisit, apabila terjadi berbagai kontradiksi yuridis yang berakibat protes masyarakat terhadap pembelakuan suatu aturan hukum, atau dengan kata lain terdapat penyimpangan norma-norma kultural yang berlaku dalam suatu masyarakat.

The Application of Al-Qardh Financing in the Sharia Financing Savings and Loans Cooperative Makmur Gemilang Sejahtera Magelang Indonesia (Approached with Fatwa DSN MUI No. 19/IV/2001) Zulfatus Sa’diah; Mochammad Kharits Taufani
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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Al-Qardh financing is one proof of the development of Islamic finance. One of these financing efforts is for the welfare of the community by providing assistance without compensation. This financing is not aimed at getting financial benefits but at expecting the blessing of Allah SWT. This research was held at KSPPS Makmur Gemilang Sejahtera Magelang. The data analysis method used is descriptive analysis method. Through this discussion, the researcher will describe the data that has been obtained through the results of observations, interviews or documentation that will be analyzed using the DSNMUI fatwa. The results showed that in the application of qardh financing carried out at KSPSS customers who want to finance there is an additional fee of 2.5% on each principal amount of financing for infaq / alms agreed upon at the beginning of the agreement agreement. So the implementation process is not completely perfect with the fatwa, because the 5th point "Al-Qardh customers can provide additional (voluntary donations to LKS as long as they are not promised in the contract)". According to the DSN-MUI fatwa, donations cannot be promised in the contract, even if it is infaq/almsgiving, because the addition can be categorized as Riba

Analisis Persepsi Maslahah Dalam Melakukan Pembelian Kompulsif Sa'diah, Zulfatus; Maranti, Safika; Retnowati, May Shinta
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 2 (2021)
Publisher : Universitas Alma Ata

Abstract This study aims to determine the effect of the perception of maslahah on compulsive buying behavior This research is a quantitative research by integrating the dimensions of maslahah perception into the Theory of Planned Behavior (TPB) model. TPB is an integrated model that consists of four predictors of behavior, namely attitudes, subjective norms, perceived behavioral control (PBC), and intentions to behave. Sampling using Purposive Sampling, that is 200 respondents. To measure the variables using the Continuous rate scale. While the data analysis technique used in this research is path analysis using Smart PLS 2.0 (Partial Least Square) software. The results of the study said that the maslahah perception construct had a significant effect on the attitude construct even though it was weak at 5.5%. Which means there are still about 94.5% of the attitude variables are influenced by other factors. Then the attitude construct has a significant effect on the compulsive buying behavior construct of 47.6%, which means that there are still around 52.4% of the variable Compulsive Buying Behavior which can be explained from other factors. While the construct of subjective norms and behavioral control has no effect on compulsive buying behavior. The reason for the rejection of these two hypotheses is thought to be because Muslim communities who have high subjective norms and behavioral control do not change their behavior in compulsive buying to be higher.Keywords: Maslahah, Compulsive Buying, Theory of Planned Behaviour

IMPULSIVE BUYING BEHAVIOR PERSPECTIVE OF MASLAHAH IMAM AL GHAZALI : STUDY ON SHOPPING BEHAVIOR OF VISITORS IN SOLO GRAND MALL SHOPPING CENTER Sa’diah, Zulfatus; Karimah, Raisatul
FiTUA: Jurnal Studi Islam Vol 4 No 2 (2023): December
Publisher : STIT Sunan Giri Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47625/fitua.v4i2.539

This phenomenon of impulsive buying, almost everyone must have done it consciously or not. One of the shopping centers, Solo Grand Mall, gets visitors reaching 10.0000 to 15.000 people every day while on weekends it reaches 20.000 in a day. The increasing tendency of people to shop at malls encourages sudden purchases. On the other hand, impulsive buying behavior tends to result in waste and this is contrary to the Islamic view of Maslahah. The majority of scholars discuss maslahah, one of which is Imam Al-Ghazali who is famous as Sufism. This research is a qualitative research (field research) by collecting data using observation, interviews and documentation, the data is then analyzed using an inductive method. The results of this study indicate that based on the characteristics of impulsive buying by visitors, the character of disregard for consequences is a characteristic that is very contrary to Imam Al-Ghazali's principle of maslahah in terms of fulfilling benefits. The types of impulsive buying that visitors are prohibited from being pure impulse types and blind buyers, because visitors tend to fulfill wants rather than needs and are very contrary to the maslahah of Imam Al-Ghazali in fulfilling kulliyat-al-khamsah.

Perhitungan Zakat Penghasilan di BAZNAS Ponorogo dalam Perspektif Konsep Zakat Yusuf Qardhawi Retnowati, May Shinta; Sahputra, Jaya; Firdaus, Muhammad Irkham; Sa’diah, Zulfatus; Sup, Devid Frastiawan Amir
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 14 No. 2 (2022): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v14i2.1224

Indonesia merupakan salah satu negara dengan proses pertumbuhan ekonomi tingkat menengah tercepat di dunia. Oleh karena itu, potensi zakat penghasilan merupakan salah satu objek dari zakat kontemporer, salah satunya yang melibatkan penghasilan dari Aparatur Sipil Negara (ASN). Penelitian ini bertujuan untuk mendeskripsikan perhitungan zakat penghasilan di BAZNAS Ponorogo dalam perspektif konsep zakat Yusuf Qardhawi. Metodologi penelitian yang digunakan adalah kualitatif, deskriptif, lapangan. Hasil yang didapat, pengumpulan zakat penghasilan di BAZNAS Ponorogo berasal dari Aparatur Sipil Negara (ASN) di lingkungan Ponorogo. Yusuf Qardhawi menganalogikan nisab zakat penghasilan pada nisab zakat pertanian dengan besaran 653 kg, akan tetapi BAZNAS Ponorogo menetapkan nisab tersebut pada makanan pokok yang digunakan di Indonesia yaitu beras dengan nisabnya 524 kg. Apabila dianalogikan pada nisab zakat emas, Yusuf Qardhawi menetapakan nisabnya sebesar 85 gr emas, sama halnya dengan BAZNAS Ponorogo yang menetapkan nisabnya sebesar 85 gr emas. Kemudian, baik pendapat Yusuf Qardhawi maupun BAZNAS Ponorogo, dalam menentukan kadar zakat penghasilan adalah dengan menganalogikan kepada kadar zakat emas yaitu sebesar 2,5% atau seperempat sepersepuluh.

Perilaku Konsumsi Kosmetik Pada Mahasiswi Universitas Darussalam Gontor: Pendekatan Islamisasi Teori Konsumsi Sa'diah, Zulfatus; May Shinta Retnowati; Rizki Apriliani
Ta’wiluna: Jurnal Ilmu Al-Qur'an, Tafsir dan Pemikiran Islam Vol. 5 No. 3 (2024): Ta’wiluna: Jurnal Ilmu Al-Qur’an, Tafsir dan Pemikiran Islam
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian kepada Masyarakat (LP3M) IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/takwiluna.v5i3.1718

Industrial development in this advanced era can be said to be very rapid, one of which is the cosmetics industry. In fact, many people in this era view that cosmetics are no longer just an additional need, but rather a primary need. As time goes by, a beautiful, enchanting and attractive appearance is every individual's unlimited dream. Cosmetics themselves cannot be separated from a woman's daily life. Female students are one of the social groups most susceptible to the influence of fashion and lifestyle and are one of the largest consumers who use cosmetic products. This research is field research. Research data was obtained using observation, interviews and documentation methods. The data collected was then analyzed using the Islamization of consumption theory approach with descriptive analysis methods. The results obtained are that first, consumption behavior that occurs in terms of the concept of needs and desires is largely not limited by the concept of maslahah. Second, most of them have reflected the concept of goods and services that are limited to halal and have also seen it from the thayyib side, because the goods they buy do not cause harm or harm to them physically or mentally. Third, most of them put cosmetics as part of their hajjiyat needs. Most of them still have a goal limited to satisfaction of use value (utility), but are not yet limited to the concept of maslahah, but there is a small portion of students who view that apart from the benefits they get, they intend this for worship. They see that by taking good and healthy care of their skin, it means they intend to maintain facial cleanliness, which is part of their faith.

Co-Authors Annas Syams Rizal Fahmi Annas Syams Rizal Fahmi Aqif Khilmia Azizah, Tsiqoh Cholik Yuswara, Muhammad Claryzha, Nadhilla Dara Ayu Okta Safitri Daud Sukoco Devid Frastiawan Amir Sup Ernaldo Fikrul Arifin Fajar Satriyawan Wahyudi Ihsan Hudiana Karimah, Raisatul Maisurah, Rezki Kaulan Maranti, Safika Maranti, Safika Milenia Ayu Saraswati Mochammad Kharits Taufani Muhamad Syamsul Huda Muhammad Irkham Firdaus Nurbaiti, Zuhroh Rahayu, Dina Retnowati, May Shinta Rizki Apriliani Sadrina, Dhiya Safika Maranti Sahputra, Jaya Salsabila, Jihan Fauziyah Salwa Fuadia Saputro, M. Bagus Shinta Retnowati, May Sukaithin, Oma

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