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Penerapan Akad Musyarakah Mutanaqisyah Sebagai Alternatif Solusi Pembiayaan KPR Dalam Perbankan Syariah Fatimah, Emi Sri Rahayu; Sapa, Nasrullah bin; Wijaya, Abdi
IQRO: Journal of Islamic Education Vol. 6 No. 2 (2023): DESEMBER 2023
Publisher : Prodi Pendidikan Agama Islam FTIK IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/iqro.v6i2.4752

This article discusses the application of musyarakah mutanaqisyah related to KPR (Home Ownership Credit) financing in the sharia banking system. The purpose of this article is to provide an overview of the application of the musyarakah mutanaqisyah contract as an alternative KPR (Home Ownership Credit) financing solution in sharia banking. Apart from that, this article also analyzes the obstacles in implementing musyarakah mutanaqishah contracts on KPR (Home Ownership Credit) in sharia banking. The research method used is the library research method or library study. Literature studies are devoted to revealing information sourced from scientific texts originating from books or scientific journals that are relevant to the topic being discussed. The research results obtained show that the application of the musyarakah mutanaqishah contract in mortgage financing in sharia banking has several advantages as an alternative solution in sharia financing, namely where the bank and the customer both own an asset that is the object of the agreement. Because they have mutual rights to do so, banks and customers mutually maintain the agreed cooperation.

STRATEGI PENINGKATAN MUTU PELAYANAN BERDASARKAN ANALISIS TINGKAT KEPUASAN MASYARAKAT TERHADAP PELAYANAN KESEHATAN DI RUMAH SAKIT UMUM DAERAH DR. M. YUNUS BENGKULU Wijaya, Abdi; Purwadhi; Mulyani, Kahar
Service Management Triangle: Jurnal Manajemen Jasa Vol 6 No 1 (2024): Service Management Triangle: Jurnal Manajemen Jasa
Publisher : Magister Manajemen Universitas Adhirajasa Reswara Sanjaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51977/jsj.v6i1.1840

Tingkat kepuasan masyarakat terhadap pelayanan kesehatan merupakan faktor yang penting dalam sistem penyediaan pelayanan kesehatan. Semakin baik pelayanan kesehatan akan meningkatkan tingkat kepuasan masyarakat sehingga usaha tersebut akan dinilai semakin bermutu. Tujuan penelitian adalah untuk mengevaluasi kualitas pelayanan dilihat dari sudut pandang masyarakat yang berobat di RSUD Dr. M. Yunus Bengkulu, menganalisis kesesuaian antara tingkat kepentingan kualitas pelayanan dibandingkan pelaksanaannya menurut masyarakat, dan menyusun strategi pengembangan mutu pelayanan rumah sakit berdasarkan metode Importance Performance Analysis. Dari hasil pengujian validitas dengan uji statistik Product Moment Pearson terhadap 100 responden pada bulan Juli - Agustus 2023, dihasilkan data valid, rhitung berkisar antara 0.062 – 0,628 untuk tingkat pelaksanaan, dimana lebih tinggi dari rtabel 0,195 dan hasil pengujian reliabilitas dengan uji statistik pearson correlation, dihasilkan reliabilitas yang cukup tinggi yaitu 0,801 untuk tingkat kepentingan dan 0,807 untuk tingkat pelaksanaan, maka dapat disimpulkan bahwa reliability, assurance, emphaty, tangibles, dan responsiveness tergolong baik. Dalam menyusun strategi mutu pelayanan rumah sakit, terdapat tiga komponen yang harus diperbaiki yaitu terkait dengan informasi tindakan perawatan yang dilakukan pada pasien, kecepatan dan kesigapan perawat dalam pelayanan penanganan pasien, serta jaminan pengantian obat yang rusak.

Efektivitas Pemanfaatan Dana Zakat Produktif dan Pengaruhnya Terhadap Tingkat Pendapatan Mustahik: Effectiveness of Productive Zakat Fund Utilization and Its Impact on Mustahik Income Levels Azwan Zah Kadir; Muhammadiyah Amin; Abdi Wijaya
Jurnal Kolaboratif Sains Vol. 7 No. 7: July 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v7i7.5511

Pokok Masalah penelitian ini Bagaimana efektivitas pemanfaatan dana zakat produktif dan pengaruhnya terhadap tingkat pendapatan mustahik. Terdapat dua rumusan masalah mengenai faktor-faktor mempengaruhi pemanfataan dana zakat produktif dan pengaruh tingkat pendapatan mustahik dan penerapan prosedur pemanfaatan dana zakat produktif terhadap tingkat pendapatan mustahik Penelitian ini dilakukan bagaimana mengetahui efektivitas pemanfaatan dana zakat produktif dan pengaruhnya terhadap tingkat pendapatan mustahik. Jenis penelitian yang digunakan Penelitian kualitatif, studi lapangan, dilakukan dengan pendekatan empiris. Sumber data ialah wawancara serta dokumentasi pada Pegawai BAZNAS Kabupaten Pinrang, dan Mustahik. Dalam program dana zakat produktif yang diselenggarakan oleh BAZNAS Kabupaten Pinrang untuk meningkatkan pendapatan usaha mustahik, ada beberapa faktor yang memengaruhi seberapa efektif pemanfaatan dana zakat produktif dan peningkatan pendapatan usaha mustahik. Faktor-faktor tersebut termasuk ketepatan sasaran program dan pembinaan porogram dengan metode pembinaan seperti sosialisasi atau edukasi program kepada masyarakat dan anggota mustahik, serta pembinaan melalui pemantauan dan pengawasan mustahik. Dana zakat produktif yang diberikan oleh BAZNAS Kabupaten Pinrang kepada mustahiq didistribusikan dan digunakan untuk program pemberdayaan seperti dana bergulir dan modal usaha. Implikasi dari penelitian ini adalah: 1) BAZNAS Kabupaten Pinrang perlu meningkatkan manajemen dan penggunaan dana zakat produktif untuk meningkatkan kinerjanya. 2) BAZNAS Kabupaten Pinrang perlu meningkatkan kemampuan untuk melakukan sosialisasi dan pemantauan dengan lebih baik.

TUJUAN DAN PRINSIP KONSUMSI DALAM ISLAM Asriyana, Asriyana; Paramata, Adhayani Mentari; Wijaya, Abdi
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 8, No 1 (2025): JIMB - VOLUME 8 NOMOR 1 MEI 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v8i1.33058

Artikel ini membahas dimana konsumsi dalam Islam tidak hanya dilihat sebagai pemenuhan kebutuhan pribadi, tetapi juga sebagai tindakan yang berkontribusi pada kesejahteraan individu dan sosial. Prinsip – prinsip konsumsi dalam Islam diarahkan untuk mencapai keseimbangan, keadilan, dan kepuasan Allah SWT. Penelitian ini merupakan penelitian deskriptif kualitatif. Tujuan penelitian ini untuk menjelaskan makna dibalik realita sosial yang terjadi, dengan menggunakan pendekatan studi pustaka (library research). Adapun sumber data yang dipakai dalam penelitian terdiri buku, jurnal, artikel, berita baik dari media cetak dan elektronik serta data pendukung lainnya yang berhubungan dengan judul yang akan di teliti. Dalam Islam, tujuan konsumsi bukanlah konsep utilitas melainkan kemaslahatan (maslahah). Pencapaian maslahah merupakan tujuan dari syariat Islam (maqasid syariah). Dalam ekonomi Islam, konsumsi tidak hanya sekedar menghabiskan nilai guna dari suatu barang, namun ada suatu nilai yang menjadi hal yang cukup penting dalam konsumsinya. Dalam al-Quran surat al-Baqarah 168 Allah selalu mengingatkan “Makan dan minumlah, namun janganlah berlebih-lebihan. Sesungguhnya Allah itu tidak menyukai orang-orang yang berlebih-lebihan”. Allah SWT sangat membenci orang yang berlebih-lebihan. Seseorang yang belanja dengan israf, tanpa skala prioritas maqashid (maslahah), sehingga lebih besar spendingnya dari penghasilannya akan membuahkan bencana yaitu akan mencelakakan dirinya dan rumah tangganya.

Perdagangan Saham di Bursa Efek: Konsep, Mekanisme, dan Perspektif Islam: Stock Trading on the Stock Exchange: Concepts, Mechanisms and Islamic Perspectives Azwar, Azwar; Andi Wawan Mulyawan; Hamzah Khaeriyah; Abdi Wijaya
TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 2 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
Publisher : Litera Academica Publishing

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

This study aims to provide a comprehensive understanding of stock trading from conceptual, operational, and normative perspectives based on Indonesian positive law and Islamic jurisprudence (fiqh). The research employs a qualitative-descriptive approach using library research methods by examining legal literature, DSN-MUI fatwas, and scholarly references related to stocks and capital markets. The analysis was conducted through document review and content analysis of applicable regulations and Islamic legal opinions. The findings indicate that, under Indonesian law, stocks are legal instruments protected by legislation and play a vital role in the capital market system. From an Islamic perspective, stock trading is permissible as long as it avoids elements of riba (usury), gharar (uncertainty), and maysir (gambling), and adheres to sharia principles. DSN-MUI fatwas serve as key references in determining the permissibility of sharia-compliant stocks and transaction mechanisms. Thus, stock trading can be conducted lawfully and ethically in accordance with national legal frameworks and Islamic principles.

Business Plan dan Pengembangan Model Pembiayaan Akad Murabahah Usaha Konveksi Hijab Syar’i Essentials : Business Plan and Development of Murabahah Agreement Financing Model for Syar'i Essentials Hijab Convection Business Achmad Riady; Adnan Hasan; Abd. Hafid; Azwar, Azwar; Hamzah Khaeriyah; Abdi Wijaya
AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab Vol. 4 No. 4 (2025): AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/qiblah.v4i4.2347

This study aims to develop a comprehensive and applicable business plan for the growth of the Syar’i Essentials hijab manufacturing enterprise, as well as to design a financing model based on the murābaḥah contract that is relevant and suitable for micro-enterprises in the Muslim fashion industry. This applied qualitative research uses a case study approach focused on Syar’i Essentials, a startup operating in the modest fashion sector. The findings reveal that a business plan addressing production, marketing, management, and sharia-based financial systems is crucial to ensure the sustainability and integrity of the business. The murābaḥah-based financing model is designed to fulfill capital needs in a halal manner, using a transparent transaction scheme free from riba, gharar, and maysir. The implementation of this model offers a strategic, applicable financing solution that can be replicated in similar micro-scale businesses. This study is expected to provide practical contributions to the strengthening of the sharia-based entrepreneurial ecosystem and the development of Islamic microfinance models.

Foreign Exchange Transactions (Sharf) in the Perspective of Fiqh Muamalah: Between Classical Traditions and the Challenges of the Contemporary Global Economy Syaripuddin, Syaripuddin; Sunarta, Desy Arum; Mashuri, Arif; Mulyawan, Andi Wawan; Khaeriyah, Hamzah; Wijaya, Abdi
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1119

The rapid development of the global economy has increased the need for foreign exchange (Sharf) transactions across individuals, financial institutions, and nations. However, concerns about the permissibility of foreign exchange transactions from the perspective of Islamic law (fiqh muamalah) have become increasingly relevant. This study examines the sharia principles governing Sharf transactions, focusing on the application of fiqh muamalah to both classical and contemporary foreign exchange practices, particularly those involving digital technology. The research employs a descriptive qualitative method through a literature-based approach, exploring the views of classical and contemporary scholars, and analyzing the role of fatwas in ensuring compliance with sharia principles. The findings reveal that foreign exchange transactions must fulfill requirements such as immediate mutual exchange (taqabudh fi al-majlis) and avoid elements of usury (riba), uncertainty (gharar), and gambling (maysir). In the digital era, new challenges have emerged with the rise of financial instruments such as forex margin trading and cryptocurrency, requiring adaptive legal interpretations within the framework of fiqh muamalah to maintain sharia compliance. Thus, contemporary ijtihad and fatwas from sharia financial authorities are essential in guiding technology-based foreign exchange transactions to remain within Islamic legal boundaries.

Foreign Exchange Transactions (Sharf) in the Perspective of Fiqh Muamalah: Between Classical Traditions and the Challenges of the Contemporary Global Economy Syaripuddin, Syaripuddin; Sunarta, Desy Arum; Mashuri, Arif; Mulyawan, Andi Wawan; Khaeriyah, Hamzah; Wijaya, Abdi
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1119

The rapid development of the global economy has increased the need for foreign exchange (Sharf) transactions across individuals, financial institutions, and nations. However, concerns about the permissibility of foreign exchange transactions from the perspective of Islamic law (fiqh muamalah) have become increasingly relevant. This study examines the sharia principles governing Sharf transactions, focusing on the application of fiqh muamalah to both classical and contemporary foreign exchange practices, particularly those involving digital technology. The research employs a descriptive qualitative method through a literature-based approach, exploring the views of classical and contemporary scholars, and analyzing the role of fatwas in ensuring compliance with sharia principles. The findings reveal that foreign exchange transactions must fulfill requirements such as immediate mutual exchange (taqabudh fi al-majlis) and avoid elements of usury (riba), uncertainty (gharar), and gambling (maysir). In the digital era, new challenges have emerged with the rise of financial instruments such as forex margin trading and cryptocurrency, requiring adaptive legal interpretations within the framework of fiqh muamalah to maintain sharia compliance. Thus, contemporary ijtihad and fatwas from sharia financial authorities are essential in guiding technology-based foreign exchange transactions to remain within Islamic legal boundaries.

Nepotisme dalam Perspektif Hadis Maudhu’i Wijaya, Abdi
Al-Daulah : Journal of Criminal Law and State Administration Law Vol 1 No 1 (2012): (December)
Publisher : Jurusan Hukum Tatanegara Fakultas Syariah dan Hukum Universitas Islam Negeri Alauddin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ad.v1i1.1462

Nepotism is an attitude that can be detrimental to society. it could have entered into a variety of bureaucratic system. Its existence has become a debate in a variety of scientific perspective. In the Islam perspective, particularly Hadith, it was found that nepotism has number of Hadiths, among the allowing and banning. Based on various Hadith, it can be stated that the nepotism between banning and allowing depends on condition.

Cara Memahami Maqashid Al- Syari’ah Wijaya, Abdi
Al-Daulah : Journal of Criminal Law and State Administration Law Vol 4 No 2 (2015): (December)
Publisher : Jurusan Hukum Tatanegara Fakultas Syariah dan Hukum Universitas Islam Negeri Alauddin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ad.v4i2.1487

In completing something that does not have a proposition to establish legal, then maqasid sharia is necessary, because it is wasilah to understand the texts of the Qur'an and the Hadith, in addition, maqsid sharia also aims to meme care of a benefit of mankind and able to provide solutions to the texts contradictory. To understand the maqasid sharia, there is some way to reach them, first; lafaz analysis of these commands and prohibitions and more aimed at issues of worship, the second stage; amr and nahy illah study aimed at social problems of society (muamalah) and a third way; al-sukut 'an syar'iyyah al' charity.

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