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All Journal Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum DIKTUM: Jurnal Syariah dan Hukum Jurnal Ar-Ribh Al-Iftah: Journal of Islamic studies and society Sighat : Jurnal Hukum Ekonomi Syariah Al Rikaz : Jurnal Ekonomi Syariah Indonesia Journal Of Zakat and Waqf Indonesian Journal of Islamic Literature and Muslim Society FUNDS: Jurnal Ilmiah Akutansi, Keuangan, dan Bisnis
Muhammad Kamal Zubair, Muhammad Kamal
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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EKSISTENSI AKAD DALAM TRANSAKSI KEUANGAN SYARIAH Zubair, Muhammad Kamal; Hamid, Abdul
DIKTUM: Jurnal Syariah dan Hukum Vol 14 No 1 (2016): Diktum: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (161.012 KB) | DOI: 10.35905/diktum.v14i1.222

Abstract

This paper will explore the existence of the contract has a crucial role in Islamic financial transactions with a number of implications posed. One of that in Islam there is freedom to determine the contract with all the terms and forms of contract desired by the parties, provided that the contract is voluntary and is not included in the prohibition of sharia’. On this basis, the core of the contract which is carried out in Islam is to create benefits for the parties to the agreement for an Islamic financial transactions.
The Impact of Productive Zakat on Improving the Welfare ofMustahik Micro EnterprisesAt the National ZakatAmil Agency (BAZNAS) Parepare City Rachman, Mawaddah; Semaun, Syahriyah; Suarning, Suarning; Mahsyar, Mahsyar; Zubair, Muhammad Kamal
Jurnal Ar-Ribh Vol 7, No 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.13911

Abstract

This  researchaimsto  analyze  the  methods  and  effect  of  effective  zakat  on  improving  the  welfare  of  mustahik  micro  groupsat  the Parepare metropolis country  wide  Zakat  Amil  organization.  This  studieschanged  intoexecuted  to  BAZNAS  leaders  to  find  outproductive  zakat  tactics,  even  as  to  mustahik  to  find  out  the  impact  on  improving  the  welfare  of  mustahik  micro-firms.  by  way  ofusing  qualitative  studiesmethods  and  subjectresearchtypes,  as  well  asthe  use  of  a  case  take  a  look  atresearchtechnique.  The statisticsobtainedmay  be  concluded  that  commercial  enterprise  capital  from  effective  zakat  given  to  mustahik  can  enhance  the  welfare  of  mustahik  micro-businesses.  the  extent  of  mustahik  welfare  is  seen  from  al-Ghazali's  approach,  particularly  welfare  primarily  based  on  ad-Diin,  an-Nafs,  al-Aql,  an-Nahl,  and  al-Mall.
The Role of BMT Al-Istiqamah Sharia Cooperative in Improving Micro-Economy Nur, Ermin; Zubair, Muhammad Kamal
Al-Iftah: Journal of Islamic studies and society Vol 1 No 1 (2020): Al-Iftah: Journal of Islamic studies and society
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (244.108 KB)

Abstract

This study examines BMT (Baitul Mal WaTamwil) Al-Istiqamah in improving micro-economy in Enrekang. The purpose of this study was to determine the strategic role of BMT Al-Istiqamah in improving micro-economy. This type of research is qualitative with a managerial approach and Islamic economics; the research paradigm is direct involvement and intense interaction with informants; data sources are empirical data obtained in the field through the Founding Board, Manager, Members and BMT Al-Istiqamah customers' and Enrekang district government as primary sources, as well as the documents and books relating to research as secondary data . The result of this study indicated that BMT Al-Istiqamah took part in improving micro-economy in Enrekang. The role played by BMT Al-Istiqamah was the role of empowering human resources and an entrepreneurial spirit, the role of improving the welfare of the micro economy, and the role of alienating people from usury practices. The result of this study also indicated that the factors supporting the success of BMT Al-Istiqamah. The internal support to the microeconomics were strategic location, commitment of the board of directors, management and members, and high participation of members' savings, while the external support were the high demand of micro entrepreneurs to BMT al-Istiqamah, the ease of getting venture capital assistance felt by micro businesses, and government support.
Sharia-Compliant Digital Marketing Strategies to Boost Sales Revenue for Micro, Small, and Medium Enterprises in Parepare City Asih, Nur; Nurhayati, St.; Zubair, Muhammad Kamal; Semaun, Syahriah; Damirah, Damirah
Jurnal Ar-Ribh Vol 7, No 2 (2024): Oktober 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i2.13239

Abstract

This study investigates the implementation of sharia-compliant digital marketing strategies to enhance the sales turnover of Micro, Small, and Medium Enterprises (MSMEs) in Parepare City. Using a qualitative approach with a case study methodology, data were collected through direct observation, in-depth interviews, and documentation. The research focuses on understanding the effectiveness of digital marketing through social media platforms such as Facebook, Instagram, and TikTok while adhering to Islamic ethical principles. The findings reveal that before adopting digital marketing strategies, MSMEs in Parepare City experienced stagnant, declining, or inconsistent turnover due to reliance on traditional marketing methods. However, after utilizing social media for product promotion, most MSMEs reported turnover increases ranging from 20% to 80%. Facebook emerged as the most widely used platform, providing significant outreach and engagement opportunities. Additionally, TikTok and Instagram contributed to customer engagement through creative and interactive content. From an Islamic perspective, the study highlights that MSME actors operate their businesses in line with the principles of falah (worldly and spiritual prosperity), emphasizing transparency, fairness, and ethical practices in their marketing efforts. The adoption of sharia-compliant digital marketing strategies not only enhanced sales performance but also supported sustainable and ethical business operations. This study underscores the potential of digital marketing as a transformative tool for MSMEs, particularly when aligned with Islamic values. Future research could expand the scope by exploring additional sectors or regions to provide a more comprehensive understanding of the impact of digital marketing strategies on business growth.
Tinjauan Etika Bisnis Islam Terhadap Perilaku Distributor Udang di Desa Jampue, Kab. Pinrang Akbar, Ali; Zubair, Muhammad Kamal; Rusdi, Ali
SIGHAT: JURNAL HUKUM EKONOMI SYARIAH Vol 1 No 2 (2023): SIGHAT: JURNAL HUKUM EKONOMI SYARIAH
Publisher : Program Studi Hukum Ekonomi Syariah, Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (492.934 KB) | DOI: 10.35905/shighat_hes.v1i2.3482

Abstract

Penelitian ini membahas tentang tinjaun etika bisnis islam terhadap perilaku distributor udang: studi Desa jampue, Kab. Pinrang. Kemudian Yang menjadi masalah dalam proses jual beli udang adalah mekanisme penetapan harga yang dilakukan distributor. Dimana distributor tidak memberi informasi terlebih dahulu kepada petambak bahwasanya harga pada saat itu naik kemudian distributor masih menetapkan harga sebelumnya, sehingga menimbulkan unsur ketidakjelasan yang mengandung gharar pada bagian penetapan harga. Penelitian ini bertujuan untuk mengetahui sistem Penetapan timbangan pada praktik jual beli udang vaname atau udang windu, dan mekanisme penetapan harga udang vaname atau udang windu di Desa jampue, Kab. Pinrang. Jenis penelitian yang penulis angkat adalah jenis penelitian kualitatif lapangnan (field research) yang menggunakan pendekatan studi kasus dengan tekhnik pengumpulan data melalui observasi, wawancara (interview) dan dokumentasi. Setelah data diperoleh, kemudian dianalisa dengan menggunakan metode deduktif dengan pendekatan hukum Islam. Hasil penelitian ini dapat dikemukakan bahwa:(1) Mekanisme penimbangan dalam jual beli udang vaname dan windu di Desa Jampue, Kab. Pinrang. sesuai dengan Hukum Islam, karena dilakukan secara bersama-sama, jadi kedua belah pihak melakukan dan menyaksikan. Pada saat penimbangan kedua belah pihak sepakat menggunakan cara yang dipakai dalam penimbangan ini dan kedua belah pihak juga mengetahui berat timbangan dari udang tersebut, Sehingga tidak ada yang dirugikan. (2) Perilaku Distributor terhadap Mekanisme Penetapan harga dalam jual beli udang vaname atau udang windu di Desa Jampue, Kab. Pinrang. Berdasarkan etika bisnis Islam jual beli udang yang ada di Desa Jampue menggunakan indikator keesaan (tauhid), keseimbangan (equilibrium), kehendak bebas (free will), tanggung jawab (responsibility), dan kebajikan (ihsan). Dimana dalam memberikan informasi dalam penetapan harga yang memiliki ketidakjelasan namun unsur ketidakjelasan tersebut masih bisa di toleransi petambak dimana Distributor tersebut Menetapkan harga diawal transaksi, dan dibayarkan secara langsung ditempat setelah transaksi selesai. Dalam jual beli udang ini sesuai dengan Hukum Islam. Karena kedua belah pihak mengetahui satuan harga, diserahterimakan sesuai kesepakatan dan sama-sama rela, Sehingga tidak ada yang dirugikan.
Distribusi Pendapatan Masyarakat Nelayan Pajaele Berdasarkan Ekonomi Islam Wijaya, Adi Wijaya; Zubair, Muhammad Kamal; Rusnaena; Wahyu, Andi Rio Makkulau
Al Rikaz: Jurnal Ekonomi Syariah Vol 1 No 1 (2022): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v1i2.6420

Abstract

This research paper investigates the income distribution practices and conducts an Islamic economic analysis within the Pajalele Fishermen's Community. The study aims to explore how assets, whether privately or publicly owned, are fairly distributed to deserving recipients in alignment with Islamic economic principles, ultimately promoting societal welfare. A qualitative descriptive approach was adopted, and data was gathered through observations, interviews, and documentation. Data analysis involved data reduction, data presentation, and data verification. The research findings reveal several key insights: First, the income distribution mechanism within the Pajalele Fishermen's Community involves the sale of fish to meet daily needs, with catches being distributed to markets in the Lembang area. Moreover, fishing communities' income sources are diversified beyond marine products, encompassing other business activities. Second, the Islamic economic analysis highlights that while income distribution partially adheres to Islamic principles, there are certain aspects, particularly income derived from selling fish, that may not fully align with these principles. Nevertheless, the distribution activities demonstrate an altruistic approach and prioritize the welfare of others. Third, the mechanism of fisherman's catch distribution involves the cooperation of small boat fishermen, who pass on the catch from big boat fishermen to collectors, facilitating further distribution to fish sellers operating in the Lembang area.
The Effect of Sharia Financial Literature on The Performance of Micro to Medium Enterprises in Soreang-Parepare Novianti, Mifta; Zubair, Muhammad Kamal; Misdar
Funds: Jurnal Ilmiah Akuntansi, Keuangan, dan Bisnis Vol 1 No 1 (2022): FUNDS
Publisher : Program Studi Akuntansi Lembaga Keuangan Syariah, FEBI, IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/funds.v1i1.3279

Abstract

Tujuan penelitian ini adalah untk mengetahui seberapa baik Literasi Keuangan Syariah dan Kinerja UMKM di Kecamatan Soreang Parepare. Serta sejauh mana hubungan dan pengaruh Literasi Keuangan Syariah terhadap Kinerja UMKM. Jenis Penelitian yang digunakan adalah dengan kuantitatif dengan metode survey dan angket. Penelitian ini termasuk dalam penelitian asosiatif yang bertujuan untuk mengetahui pengaruh ataupun hubungan antara dua variable atau lebih. Hasil penelitian menunjukkan bahwa : 1.Hasil one sample t-test Literasi Keuangan Syariah (x) berpengaruh baik pada operasionalnya. 2.Hasil one sample t-test Kinerja UMKM (y) berpengaruh baik pada operasionalnya. 3.Literasi Keuangan (x) memiliki korelasi yang kuat pada Kinerja UMKM (y). 4.Literasi Keuangan (x) Berpengaruh positif dan signifikan pada Kinerja UMKM. Hal ini menunjukkan bahwa variable Literasi Keuangan Syariah berpengaruh positif terhadap Kinerja UMKM. Berarti apabila tingkat Literasi Keuangan seorang pemilik ataupun manajer sebuah UMKM semakin tinggi, maka kinerja yang dapat dicapai oleh UMKM tersebut akan semakin meningkat.
Evaluating the Effectiveness of BAZNAS Zakat Distribution on Mustahik Welfare in Ajatappareng Using the CIBEST Model Yusriadi, Aditya; Damirah, Damirah; Fikri, Fikri; Darmawati, Darmawati; Zubair, Muhammad Kamal
Jurnal Ar-Ribh Vol 8, No 1 (2025): April 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v8i1.13965

Abstract

Zakat distribution in Indonesia has generally been limited to material measurements, which often results in an imbalanced impact on mustahik , especially in the context of productive zakat. To address this gap, the CIBEST (Center for Islamic Business and Economic Studies) model is recognized as an effective tool for measuring both material and spiritual dimensions of welfare. This study focuses on productive zakat recipients ( mustahik ) under the auspices of BAZNAS in the Ajatappareng region, specifically in Parepare City and Sidenreng Rappang Regency. The research adopts a mixed-methods approach, combining quantitative and descriptive qualitative analysis, while using the CIBEST model to evaluate the impact of zakat distribution. Findings reveal that BAZNAS distributes both productive and consumptive zakat—including cash assistance, business equipment, and staple food—alongside training, mentoring, and empowerment programs. Based on the CIBEST quadrant analysis, significant shifts occurred in the material and spiritual poverty classifications of mustahik . Before receiving zakat, households were distributed as follows: Quadrant I (10 households), Quadrant II (22), Quadrant III (0), and Quadrant IV (3). After receiving productive zakat, the distribution changed markedly to: Quadrant I (29 households), Quadrant II (6), Quadrant III (0), and Quadrant IV (0). A paired-sample statistical test showed a significant difference in household income before and after zakat assistance, with a p-value (Sig. 2-tailed) of 0.000 ( 0.05). These findings confirm that productive zakat distribution by BAZNAS has a positive and statistically significant impact on improving the economic welfare of mustahik in the Ajatappareng region.
Evaluating the Effectiveness of BAZNAS Zakat Distribution on Mustahik Welfare in Ajatappareng Using the CIBEST Model Yusriadi, Aditya; Damirah, Damirah; Fikri, Fikri; Darmawati, Darmawati; Zubair, Muhammad Kamal
Jurnal Ar-Ribh Vol. 8 No. 1 (2025): April 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v8i1.13965

Abstract

Zakat distribution in Indonesia has generally been limited to material measurements, which often results in an imbalanced impact on mustahik , especially in the context of productive zakat. To address this gap, the CIBEST (Center for Islamic Business and Economic Studies) model is recognized as an effective tool for measuring both material and spiritual dimensions of welfare. This study focuses on productive zakat recipients ( mustahik ) under the auspices of BAZNAS in the Ajatappareng region, specifically in Parepare City and Sidenreng Rappang Regency. The research adopts a mixed-methods approach, combining quantitative and descriptive qualitative analysis, while using the CIBEST model to evaluate the impact of zakat distribution. Findings reveal that BAZNAS distributes both productive and consumptive zakat—including cash assistance, business equipment, and staple food—alongside training, mentoring, and empowerment programs. Based on the CIBEST quadrant analysis, significant shifts occurred in the material and spiritual poverty classifications of mustahik . Before receiving zakat, households were distributed as follows: Quadrant I (10 households), Quadrant II (22), Quadrant III (0), and Quadrant IV (3). After receiving productive zakat, the distribution changed markedly to: Quadrant I (29 households), Quadrant II (6), Quadrant III (0), and Quadrant IV (0). A paired-sample statistical test showed a significant difference in household income before and after zakat assistance, with a p-value (Sig. 2-tailed) of 0.000 (< 0.05). These findings confirm that productive zakat distribution by BAZNAS has a positive and statistically significant impact on improving the economic welfare of mustahik in the Ajatappareng region.
Obligasi Dan Sukuk Dalam Perspektif Keuangan Islam (Suatu Kajian Perbandingan) Zubair, Muhammad Kamal
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 46 No 1 (2012)
Publisher : UINSunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v46i1.40

Abstract

This  article  study  about  sukuk  is  known  as  sharia bonds with compare to obligation as the investment instrument in capital market.  Sukuk investment is  often regard as identical with obligation. There are number of basic differences between the  two  instrument,  that  is  the  use  of  sukuk  instruments  in investment  the  profit  of  which  is  divided  with  profit  sharing, sukuk  needs  to  have  an  underlying  transaction  in  the  form  of tangible assets and sukuk use religious advice that govern syariah bond.
Co-Authors A. Rio Makkulau Wahyu Abdul Hamid Ali Akbar DAMIRAH DAMIRAH, DAMIRAH Darmawati Darmawati Dewi Astuti, Astria Djamaluddin M Idris Fikri Fikri Hamang, Nasri Mahsyar, Mahsyar Misdar Muhammad Ali Rusdi Bedong Novianti, Mifta Nur Asih, Nur Nur, Ermin Nurhayati, St. Rachman, Mawaddah Rusnaena Semaun, Syahriah Suarning, Suarning Syahriyah Semaun, Syahriyah Wijaya, Adi Wijaya Yusriadi, Aditya