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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 ALMUJTAMAE: Jurnal Pengabdian Masyarakat Ta’wiluna: Jurnal Ilmu Al-Qur’an,Tafsirdan Pemikiran Islam Jurnal Masyarakat Madani Indonesia Inisiatif: Jurnal Dedikasi Pengabdian Masyarakat 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
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 Praktik Pembiayaan KPR dengan Akad Murobahah dan Musyarakah Mutanaqisah Perspektif Fatwa DSN-MUI Safika Maranti; Zulfatus Sadiah
Ecopreneur : Journal of Sharia Economics Study Program Vol 2 No 1 (2021): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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

Abstract

The finance of House Ownership Loan (locally abbreviated as KPR or Kredit Pemilikan Rumah) is a finance product in Muamalat Bank of Branch Office Surakarta using a contract of murobahah and musyarakah mutanaqisah. In its implementation, there is a difference in characteristic between two contracts. The contract of murobahah is only designed for the customers proposing the finance of house construction or renovation. Meanwhile, the contract of musyarakah mutanaqisah is designed for the customers proposing the finance of the finished house. This is a field research using the analytical-evaluative qualitative method. The researcher here attempted to make a clarification between the concept and the implementation. The result of the research showed that not all clause of the practice of KPR finance either with the contract of murobahah or with musyarakah mutanaqisah has been in accordance with the fatwa DSN-MUI. The contract of murobahah practiced was murobahah represented not with pure murobahah. This then has triggered the element of riba (excessive interest) in the transaction. Meanwhile in the contract of musyarakah mutanaqisah the bank does not divide the portion of hishshah into the units of hishshah ((taj’ziatul hishshah) share capital. In fact, the clause is the characteristic in the finance of musyarakah mutanaqisah that must be appeared as the distinguishing with other contract. Abstrak Pembiayaan Kredit Pemilikan Rumah (secara lokal disingkat KPR atau Kredit Pemilikan Rumah) adalah produk pembiayaan di Bank Muamalat Kantor Cabang Surakarta dengan akad murobahah dan musyarakah mutanaqisah. Dalam implementasinya terdapat perbedaan karakteristik antara kedua kontrak tersebut. Akad murobahah hanya diperuntukkan bagi nasabah yang mengajukan pembiayaan pembangunan atau renovasi rumah. Sedangkan akad musyarakah mutanaqisah diperuntukkan bagi nasabah yang mengajukan pembiayaan rumah jadi. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif analitik-evaluatif. Peneliti disini mencoba untuk membuat klarifikasi antara konsep dan implementasinya. Hasil penelitian menunjukkan bahwa tidak semua klausul praktik keuangan KPR baik dengan akad murobahah maupun musyarakah mutanaqisah telah sesuai dengan fatwa DSN-MUI. Akad murobahah yang dipraktikkan adalah murobahah yang direpresentasikan bukan dengan murobahah murni. Hal inilah yang kemudian memicu unsur riba (bunga berlebih) dalam transaksi tersebut. Sedangkan dalam akad musyarakah mutanaqisah bank tidak membagi porsi hishshah menjadi unit modal saham hishshah ((taj'ziatul hishshah). Padahal klausul tersebut merupakan ciri dalam pembiayaan musyarakah mutanaqisah yang harus dimunculkan sebagai yang membedakan dengan kontrak lainnya.
Analisis Strategi Pemasaran Syariah Online Pada Produk Rabbani Fajar Satriyawan wahyudi; Zulfatus Sa’diah
Journal of Scientific Interdisciplinary Vol. 2 No. 3 (2025)
Publisher : PT. Banjarese Pacific Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62504/jsi1274

Abstract

Penelitian ini bertujuan untuk menggambarkan dan menganalisis penerapan strategi pemasaran online berbasis syariah dalam meningkatkan penjualan produk Rabbani. Dengan menggunakan pendekatan kualitatif melalui metode fenomenologi, penelitian ini mengeksplorasi fenomena pemasaran produk Rabbani di media sosial atau platform daring. Fokus utama penelitian adalah mendalami strategi pemasaran online syariah yang diterapkan untuk mendorong peningkatan penjualan produk Rabbani. Penelitian ini menitikberatkan pada peran toko Rabbani dalam memanfaatkan strategi syariah, yang mencakup prinsip Rabbaniyah, Akhlaqiah, Al-Waqiyah, dan Insaniyah. Pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa strategi pemasaran online syariah yang diterapkan pada produk Rabbani telah selaras dengan konsep pemasaran Islami, mencakup aspek produk, harga, promosi, dan distribusi, serta memadukan karakteristik pemasaran Islami, yaitu Rabbaniyah, Akhlaqiah, Al-Waqiyah, dan Insaniyah.
Retail Business Competition System on Halal Business Compliance: A Comparative Study of Indomaret Fresh and Surya Mart Ponorogo Shinta Retnowati, May; Sa’diah, Zulfatus; Cholik Yuswara, Muhammad; Saputro, M. Bagus
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 1 (2025): Jurnal At-Tamwil Maret 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i1.6264

Abstract

ABSTRACT Purpose – Competition in the retail industry can be seen from various angles. This competition can be observed between contemporary and conventional traders. In business competition in the retail business, it must also comply with sharia provisions, especially on the halal side, because many of the people in the Ponorogo area are Muslims and are famous as a city of students, therefore the business operations of Indomaret Retail and Surya Mart Supermarket in Ponorogo as well as a review in halal retail business compliance. Methods – The method used is qualitative with collection techniques used, including observation, in-depth non-structural interviews, and documentation. Findings – The results of this study illustrate comparatively, on the business competition of Indomaret Fresh Ponorogo and Surya Mart. Indomaret Fresh Ponorogo emphasizes coordination between branches related to product determination with a focus on direct and online promotion, while emphasizing price transparency to build consumer confidence. Meanwhile, Surya Mart affirms its commitment to Islamic values by rejecting non-halal products, emphasizing honesty and competitive prices, and affirming fairness in price determination based on sharia values. Originality – Although their approaches are different, both aim to build consumer trust by the company values they set, so that Surya Mart not only optimizes the value of the company, but they are more compliant with sharia values, especially in halal business complianceKeywords: Retail, Business Competition, Halal Business Compliance
Implementasi Praktik Pembiayaan KPR dengan Akad Murobahah dan Musyarakah Mutanaqisah Perspektif Fatwa DSN-MUI Maranti, Safika; Sadiah, Zulfatus
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 1 (2021): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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

Abstract

The finance of House Ownership Loan (locally abbreviated as KPR or Kredit Pemilikan Rumah) is a finance product in Muamalat Bank of Branch Office Surakarta using a contract of murobahah and musyarakah mutanaqisah. In its implementation, there is a difference in characteristic between two contracts. The contract of murobahah is only designed for the customers proposing the finance of house construction or renovation. Meanwhile, the contract of musyarakah mutanaqisah is designed for the customers proposing the finance of the finished house. This is a field research using the analytical-evaluative qualitative method. The researcher here attempted to make a clarification between the concept and the implementation. The result of the research showed that not all clause of the practice of KPR finance either with the contract of murobahah or with musyarakah mutanaqisah has been in accordance with the fatwa DSN-MUI. The contract of murobahah practiced was murobahah represented not with pure murobahah. This then has triggered the element of riba (excessive interest) in the transaction. Meanwhile in the contract of musyarakah mutanaqisah the bank does not divide the portion of hishshah into the units of hishshah ((taj’ziatul hishshah) share capital. In fact, the clause is the characteristic in the finance of musyarakah mutanaqisah that must be appeared as the distinguishing with other contract. Abstrak Pembiayaan Kredit Pemilikan Rumah (secara lokal disingkat KPR atau Kredit Pemilikan Rumah) adalah produk pembiayaan di Bank Muamalat Kantor Cabang Surakarta dengan akad murobahah dan musyarakah mutanaqisah. Dalam implementasinya terdapat perbedaan karakteristik antara kedua kontrak tersebut. Akad murobahah hanya diperuntukkan bagi nasabah yang mengajukan pembiayaan pembangunan atau renovasi rumah. Sedangkan akad musyarakah mutanaqisah diperuntukkan bagi nasabah yang mengajukan pembiayaan rumah jadi. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif analitik-evaluatif. Peneliti disini mencoba untuk membuat klarifikasi antara konsep dan implementasinya. Hasil penelitian menunjukkan bahwa tidak semua klausul praktik keuangan KPR baik dengan akad murobahah maupun musyarakah mutanaqisah telah sesuai dengan fatwa DSN-MUI. Akad murobahah yang dipraktikkan adalah murobahah yang direpresentasikan bukan dengan murobahah murni. Hal inilah yang kemudian memicu unsur riba (bunga berlebih) dalam transaksi tersebut. Sedangkan dalam akad musyarakah mutanaqisah bank tidak membagi porsi hishshah menjadi unit modal saham hishshah ((taj'ziatul hishshah). Padahal klausul tersebut merupakan ciri dalam pembiayaan musyarakah mutanaqisah yang harus dimunculkan sebagai yang membedakan dengan kontrak lainnya.
Analysis of the Effectiveness of Fundraising Strategies as an Improvement of Zakat Management at Baitul Maal Hidayatullah Ponorogo (2020-2022) Ernaldo Fikrul Arifin; Zulfatus Sa'diah
JURNAL PENDIDIKAN IPS Vol. 15 No. 2 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpi.v15i2.2875

Abstract

This study aims to analyze the effectiveness of the fundraising strategy implemented by Baitul Maal Hidayatullah (BMH) Ponorogo in the period 2020–2022 in order to improve zakat management. In the context of Islam, zakat is a main pillar that plays an important role in economic development and poverty alleviation. BMH Ponorogo as a zakat management institution implements various strategies, both offline and online, to optimize zakat fund collection. This study uses a qualitative approach with a case study method, supported by quantitative data from financial reports, in-depth interviews, and surveys of donors and beneficiaries. The results of the study show that the digital fundraising strategy through social media, collaboration with companies, and the implementation of social programs have significantly increased the number of muzaki and zakat receipts, especially in 2022 after experiencing a decline in the previous year. Despite challenges such as low public understanding and high competition between zakat institutions, the effectiveness of BMH's fundraising strategy is considered quite high, marked by the achievement of revenue targets that always exceed expectations. This study emphasizes the importance of innovation, transparency, and integrity in zakat management to maintain public trust and participation.
ANALISIS PENGETAHUAN KEWIRAUSAHAAN DAN SIKAP MANDIRI TERHADAP MINAT BERWIRAUSAHA ALUMNI PONDOK MODERN DARUSSALAM GONTOR Sa’diah, Zulfatus; Sukaithin, Oma
Ekonis: Jurnal Ekonomi dan Bisnis Vol 26, No 1 (2024): JURNAL EKONOMI DAN BISNIS (EKONIS)
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/ekonis.v26i1.5020

Abstract

Abstract: Currently, Indonesia's economic development is considered lacking because there is little public interest in starting a business. As evidenced by comparative data on the entrepreneurial population in 7 ASEAN countries, Indonesia is in the second lowest level after Myanmar. For this reason, creating active and creative entrepreneurs needs to start from the level of interest in entrepreneurship. Entrepreneur-based school alumni have added trustworthiness to increase the criteria for people who are interested in entrepreneurship. This can also be obtained from Islamic boarding school alumni who provide entrepreneurial knowledge and various entrepreneurial practices. Apart from entrepreneurial knowledge, another thing that can play a strong role in influencing the desire to become an entrepreneur is an independent attitude. So, the aim of this research is to determine the influence of entrepreneurial knowledge and independent attitudes on the entrepreneurial interest of Pondok Modern Darussalam Gontor alumni. This research uses a quantitative approach. The sampling technique used was purposive sampling, with a total sample of 130 alumni selected. The data processing and analysis technique uses Variance Based Structural Equation Modeling, the Partial Least Square (PLS) method with the help of SmartPLS 3.0. The results of this research say that the test results between entrepreneurial knowledge and entrepreneurial interest have a path coefficient value of 0.386, which means the number is close to +1, thus illustrating the relationship produced by the exogenous variable (entrepreneurial knowledge) and the endogenous variable (entrepreneurial interest) is a positive relationship. And it has a T-Statistic value of 2.221 (1.96) so it is said to be significant for interest in entrepreneurship. And the test results between independent attitude and interest in entrepreneurship have a path coefficient value of 0.145, which means the number is close to +1 so that it illustrates the relationship produced by the exogenous variable (independent attitude) with the endogenous variable (interest in entrepreneurship) is a positive relationship. However, it has a T-Statistic value of only 1.415 (1.96) so it is said that it is not significant for interest in entrepreneurshipKeywords: Entrepreneurial Knowledge, Independent Attitudes, and Entrepreneurial Interest
KONSEP KHIYAR PADA TRANSAKSI BA’I SALAM Zulfatus Sa’diah; Daud Sukoco; Dara Ayu Okta Safitri
Seminar Nasional Pariwisata dan Kewirausahaan (SNPK) Vol. 1 (2022): April
Publisher : Sahid University Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/snpk.vol1.2022.61

Abstract

Pada Dasarnya transaksi jual beli dalam penentuan akadnya, pihak yang bertransaksi memiliki hak untuk meneruskan atau membatalkan sebuah akad. Sebuah solusi dalam Islam, menawarkan adanya hak khiyar. Khiyar diperlukan dalam sebuah transaksi untuk menjaga kepentingan, kemaslahatan dan kerelaan kedua belah pihak serta melindungi dari bahaya yang mungkin menimbulkan kerugian. Tujuan dari penelitian ini untuk mengetahui Konsep Khiyar dalam Transaksi Ba’i Salam. Adapun Penelitian ini bercorak kepustakaan karena semua sumber datanya berasal dari sumber-sumber tertulis yang berkaitan langsung atau tidak langsung dengan materi yang dikaji. Data Penelitian diperoleh dengan beberapa literature yang berhubungan dengan masalah yang diangkat kemudian rnengkaji serta menelaah data-data yang ada. Kesimpulan yang didapat, bahwa menurut fiqih muamalah, konsep khiyar yang bisa diterapkan dalam praktik ba’i salam adalah konsep khiyar aib saja. konsep khiyar aib terjadi jika ada cacat yang barang baru diketahui oleh pembeli setelah akad dilakukan dan sebelum serah terima. Dan aib atau cacat pada barang yang dipesan ini masih ada sampai terjadinya pembatalan akad. Sedangkan untuk khiyar syarat dan ru’yah sebenarnya dalam ba’i salam tidak perlu, karena menurut fiqih muamalah jika pemesanan memiliki hak khiyar, maka barang akan menjadi tanggungan penjual, begitu seterusnya, cukup hanya menyebutkan spesifikasi barang untuk keabsahan akad salam. Namun, untuk khiyar aib tetap diperbolehkan, karena karena khiyar aib tidak mencegah kesempurnaan serah terima barang.
Analisis Penyelesaian Pembiayaan Murabahah Bermasalah Menurut Fatwa DSN MUI No.17/DSN-MUI/IX/2000 dan No. 43/DSN-MUI/VIII/2004 (Studi Kasus di BMT La Tansa Ponorogo) Zulfatus Sa'diah; Annas Syams Rizal Fahmi; Devid Frastiawan Amir Sup
Journal of Islamic Banking Vol. 2 No. 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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

Abstract

Non-performing financing, namely high Non-Performing Financing is certainly an important problem for Islamic banking, as well as in the Baitul Mal Wa Tamwil KJKS (Islamic Financial Services Cooperative). From the landing side, until now the only financing product at BMT La Tansa Ponorogo is Murabahah. From the system in murabahah itself, it uses the principle of musawamah. The process of negotiating (bargaining) on goods and prices is carried out between the BMT La Tansa Ponorogo and candidate of financing customers. In its journey, BMT La Tansa experienced a problem, namely the non-performing financing ratio which was still high. The methods used in collecting this data are observation, interviews, and documentation.This research is a field research which then analyzed using the DSN-MUI fatwa. The results obtained, that in the settlement of problematic murabahah financing, BMT La Tansa Ponorogo has several stages. Provide warning letters (SP) up to 3 times, confiscation of collateral, rescheduling. Where used in this sanction is mandatory infaq, which is the mandatory infaq amount of Rp. 1,000, - per day (during the late period) and it is already there and written at the beginning of the contract (agreement). While, in terms of ta'wid, BMT La Tansa does not apply ta'wid on non-performing financing made by customers. However, if it is at the final stage that you cannot fulfill the installment obligation, then the purchased item (collateral) is sold to cover the customer's shortage of installments.
Pelatihan Perawatan Jenazah Dalam Meningkatkan Pemahaman Fardhu Kifayah Jamaah Dan Santri Pondok Pesantren Tahfidz Imam Al Ghazali Ponorogo Zulfatus Sa’diah; Mohammad Ghozali; Muhammad Irkham Firdaus; Muhammad Abdul Aziz; Mohammad Syifa Urrosyidin; Vina Fithriana Wibisono; Khurun’in Zahro’; Daud Sukoco
Inisiatif : Jurnal Dedikasi Pengabdian Masyarakat Vol 5 No 1 (2026): Inisiatif : Jurnal Dedikasi Pengabdian Masyarakat
Publisher : Pusmedia Group Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61227/inisiatif.v5i1.798

Abstract

As Islamic educational institutions, Islamic boarding schools play a vital role in shaping the community’s understanding of the fulfillment of fardhu kifayah, including the proper procedures for caring for the deceased in accordance with Islamic law. However, based on conditions on the ground, there are still gaps in the knowledge and skills of both congregants and students regarding the correct procedures for handling the deceased. This community service activity aims to improve the understanding of congregants and students regarding the care of the deceased in order to foster public awareness and preparedness in fulfilling the obligation of managing the deceased. The method used is the ABCD (Assets-Based Community Development) approach, which is based on needs for development. Data collection for this community service project was conducted through observation, interviews, Focus Group Discussions (FGDs), and documentation. The results of this community service study indicate that the congregation members’ and students’ understanding of managing the deceased has improved, particularly regarding preparing shroud materials for men and women, the positioning of the shroud, the number of ties, and the proper procedures for wrapping the body and securing the shroud in accordance with Islamic Sharia regulations. However, there were minor challenges among some elderly congregation members, resulting in less than optimal acceptance. Additionally, this program has had the added benefit of fostering collaboration between the community service team, the Islamic boarding school, and the congregation at Pesantren Al Ghazali.
IMPULSIVE BUYING BEHAVIOR PERSPECTIVE OF MASLAHAH IMAM AL GHAZALI : STUDY ON SHOPPING BEHAVIOR OF VISITORS IN SOLO GRAND MALL SHOPPING CENTER Zulfatus Sa’diah; Raisatul Karimah
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

Abstract

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