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Realization of Subsidized Housing Financing on Sharia Services Sunarta, Desy Arumi; Catherine, Sarkissian; Dylan, Moatti; Alon, Frances; Barra, Lie; Niva, Matteson
Journal Markcount Finance Vol. 1 No. 2 (2023)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

The research location is at Bank Sulselbar Parepare Branch which has a sharia service unit including subsidized housing finance services. Especially in financing. This research focuses on the contracts used in its implementation. In addition, it will also focus on financing mechanisms for subsidized housing ownership in sharia services. Similar to conventional banks that make pawning a banking product, Islamic banks also issue similar products. The presence of sharia products is certainly a relief for some people who care about religious law which prohibits the use of usury in every transaction. In this study, we will discuss the contracts and financing mechanisms for subsidized sharia official housing. The results of the study show that the contract used in the subsidized housing financing mechanism at Bank Sulselbar Syariah Services Parepare Branch is murabahah financing, namely buying and selling based on Islamic bank financial institutions and is applied in consumptive financing and real financing.

Keselarasan Prinsip Circular Economy dan Maqashid Syariah Dalam Produksi dan Penjualan Produk Hasil Daur Ulang Sunarta, Desy Arum; Maulana S, Nurfadilah; Hasmawati, Hasmawati; Apriliani, Riski; Usmayani, Ilham Putra
JURNAL EKUIVALENSI Vol. 11 No. 1 (2025): JURNAL EKUIVALENSI
Publisher : LPPM dan Fakultas Ekonomi dan Bisnis Universitas Kahuripan Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51158/93dgj263

Pencemaran lingkungan dan menumpuknya sampah kerapkali menjadi masalah yang sulit diatasi, solusi yang dijelaskan dalam konsep circular economy dan maqashid shariah mengarah pada pemanfaatan sampah untuk daur ulang dengan nilai ekonomi dan manfaat yang berkelanjutan. Dalam prosesnya konsep circular economy dinilai memiliki banyak kemiripan dengan maqashid shariah dengan demikian melalui penelitian ini dilakukan analisis untuk mengetahui keselarasan prinsip circular economy dan maqashid shariah dalam penggunaan produk daur ulang. Penelitian ini dilaksanakan dengan menggunakan metode kualitatif, dan pendekatan systematic literature review yang membawah peneliti pada filtrasi terhadap 2.427 artikel menjadi 12 artikel yang dinilai relevan untuk dianalisis, analisis dilakukan dengan menggunakan deductive reasoning. Hasil penelitian ini menjelaskan bahwa pengolahan produk daur ulang dan penggunaannya selaras dengan prinsip circular economy dan maqashid shariah apabila produk atau bahan yang terkadung didalamnya dipastikan aman dan tidak membahayakan pengguna dalam jangka waktu yang panjang, manfaat yang diberikan terhadap lingkungan juga merupakan salah konsep yang selaras antara kedua konsep ini.

Sertifikasi Halal sebagai Instrumen Kebijakan Publik dalam Pengembangan Industri Halal Indonesia Sunarta, Desy Arum; Bulqis, Rasyidah; Bisyriani, Andi; Sudirman, Muh. Sajjaj; Apriliani, Riski
Robust: Research of Business and Economics Studies Vol. 5 No. 1 (2025): April 2025
Publisher : IAIN Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/robust.v5i1.11569

This article presents a literature synthesis on the role, challenges, and opportunities in the development of halal certification within the Islamic economic framework. Halal certification functions not only as religious compliance but also as a strategic tool to enhance product competitiveness, ensure quality, and build consumer trust. Nevertheless, its implementation still encounters various obstacles, such as bureaucratic complexity, limited halal literacy, and unequal access, especially for small and medium enterprises. Despite these challenges, significant opportunities lie ahead, particularly in the digitalization of certification systems, expansion into the cosmetics, pharmaceutical, and halal tourism sectors, and the strengthening of international cooperation. This study highlights the importance of collaborative efforts among government, industry, and academia to develop an inclusive and efficient halal certification system. A well-integrated and adaptive certification mechanism has the potential to become a major driver for national Islamic economic growth and to strengthen Indonesia’s position in the global halal market

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.

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.

Halal Certification and Value Addition for MSME Products: A Literature Review on Government Initiatives and Regulatory Frameworks Sunarta, Desy Arum; Apriliani, Riski; Prasetya, Agung; Ramadhaningsih, Dwi
Malacca: Journal of Management and Business Development Vol. 2 No. 2 (2025): Management and Business Development
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/malacca.v2i2.185

This study aims to explore the role of halal certification in enhancing the value of Micro, Small, and Medium Enterprises (MSMEs) products through a review of existing literature and policy frameworks in Indonesia. The research adopts a qualitative systematic literature review method by analyzing national regulations, policy initiatives, and previous empirical studies relevant to halal certification and MSME development. A total of 41 publications from 2020 to 2024 were reviewed, encompassing government reports, scholarly articles, and institutional documents related to the implementation of halal assurance systems. The findings indicate that halal certification contributes significantly to increasing product value, market competitiveness, and consumer trust. The Indonesian government, through the Halal Product Assurance Organizing Agency (BPJPH) and the SEHATI program, has played an important role in facilitating certification processes and strengthening institutional collaboration. However, several challenges remain, including limited financial capacity, technical constraints, low awareness among MSME owners, and the complexity of administrative procedures. The study concludes that effective halal certification requires synergy between regulatory enforcement, financial and technical assistance, and continuous education to enhance MSME readiness. Strengthening digital infrastructure, simplifying verification mechanisms, and promoting stakeholder collaboration are essential for accelerating halal certification and ensuring sustainable MSME growth in Indonesia.

PELATIHAN SITASI MELALUI APLIKASI MENDELAY UNTUK MENINGKATKAN KOMPETENSI MENULIS MAHASISWA STAI DDI PINRANG Sunarta, Desy Arum; Darwis, Aswinda
Azam Insan Cendikia Vol. 3 No. 1 (2024): Jurmas Azam Insan Cendikia
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/pkm.v3i1.109

Mendeley adalah aplikasi yang membantu kamu dalam penyisipan, penulisan, dan pemformatan sitase atau citation. Pelatihan penggunaan aplikasi Mendeley dimaksudkan sebagai instrument dalam sitasi serta referensi untuk pembuatan karya ilmiah. Oleh karena itu, pelatihan penggunaan Mendeley penting untuk dilakukan sebagai upaya untuk membantu mahasiswa dalam mengelola referensi serta mematuhi penerapan aturan akademik kampus masing-masing. Sehingga tujuan dari pengabdian kepada masyarakat yaitu untuk memberikan pelatihan kepada mahasiswa tentang pelatihan aplikasi Mendeley sebagai instrumen citation dan reference managerpada penulisan karya ilmiah. Tahapan penyampaian materi dilakukan dengan cara presentasi menggunakan powerpoint, setelah itu Tim PkM menjelaskan dan menunjukkan langkah-langkah menginstall dan menggunakan aplikasi mendeley dalam Ms.Word. Setelah itu dilakukan bimbingan latihan/praktek, dimana sebelum dimulainya kegiatan peserta telah diberikan informasi terlebih dulu untuk mengikuti kegiatan agar dapat langsung mempraktekkannya di laptop masing-masing. Kegiatan PkM untuk memberikan pelatihan secara online tentang penggunaan aplikasi mendeley untuk melakukan sitasi bagi mahasiswa dalam pembuatan karya ilmiah dapat terselenggara dengan baik dan sesuai rencana. Meskipun pelaksanaannya dilaksanakan dalam waktu yang terbatas akan tetapi kegiatan ini memberikan hasil yang nyata melalui makalah-makalah yang telah dibuat untuk bahan evaluasi.

IMPROVEMENT OF MICRO BUSINESS THROUGH PEOPLE'S BUSINESS CREDIT (KUR) (ISLAMIC ECONOMIC ANALYSIS) Sunarta, Desy Arum; Mukhtar S, Muhammad; Dzulkifli, Dzulkifli
Jurnal Kajian Ekonomi dan Perbankan Syariah Vol 2 No 1 (2023): Jurnal Kajian Ekonomi dan Perbankan Syariah
Publisher : Institut Agama Islam DDI Polewali Mandar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36915/jurnalkajianekonomidanperbankansyariah.v2i1.199

Pengembangan usaha mikro dapat dilakukan melalui pemberian Kredit Usaha Rakyat (KUR) bagi para pelaku usaha. Pengembangan pada usaha mikro memberikan pengaruh pada perkembangan perekonomian dan menjadi perhatian bagi pemerintah. Strategisnya peranan usaha mikro dapat mendorong pemerintah untuk selalu berupaya mengembangkan perekonomian. KUR merupakan salah satu program pemerintah yang dananya berasal dari dana bank penyalur yang mulai diluncurkan pada November 2007. Per 1 Januari 2020 sejalan dengan diterbitkannya RUU Cipta Lapangan Kerja, Komite Kebijakan Pembiayaan bagi UMKM yang diketuai oleh Menteri Koordinator Bidang Perekonomian memutuskan untuk merubah kebijakan KUR yang lebih prokerakyatan. Hasil penelitian menunjukkan bahwa mekanisme realisasi KUR didasarkan pada peraturan tiap bank pelaksana yaitu berdasarkan pada SE BRI NOSE.S.8 – DIR/ADK/02/2008 tentang ketentuan umum dari pengajuan pemberian Kredit Usaha Rakyat (KUR). Bentuk penyaluran KUR berdasarkan pada nilai kepemilikan, keseimbangan dan keadilan yang sebagaimana telah ditetapkan dalam prinsip ekonomi Islam.

Shariah Fintech And Islamic Economic Sustainability: An Integrative Analysis Between Technology And Maqasid Al-Syari'ah Desy Arum Sunarta; Syaripuddin; Nelia Sfayriawati; Jamaluddin Majid
Gudang Jurnal Multidisiplin Ilmu Vol. 3 No. 11 (2025): GJMI - NOVEMBER
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v3i11.1878

This study aims to analyze the role of innovation and technology in strengthening the Islamic finance ecosystem in the digital era. The research employs a qualitative-descriptive approach through a literature-based analysis integrating technology adoption theories (TAM, UTAUT, DOI) and the principles of maqaṣid al-shari’ah as the theoretical foundation. The findings reveal that perceived usefulness, ease of use, social influence, and infrastructural support are the key determinants influencing users’ intentions toward adopting Islamic financial technologies. Furthermore, Shariah-compliant fintech innovation driven by maqaṣid al-shari’ah enhances financial inclusion, ethical governance, and sustainable economic development. The study emphasizes that collaboration among regulators, financial institutions, and educational entities is crucial to developing adaptive regulations and strengthening digital-Shariah literacy. The main conclusion underscores the significance of aligning technological innovation with Islamic ethical principles to advance the competitiveness of the Islamic finance industry globally.

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