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All Journal DE JURE Al-Ahkam I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Asy-Syari'ah JICSA Monex: Journal of Accounting Research E-Dimas: Jurnal Pengabdian kepada Masyarakat Isti`dal : Jurnal Studi Hukum Islam SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Assets: Jurnal Akuntansi dan Pendidikan JURIS (Jurnal Ilmiah Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JAE (Jurnal Akuntansi dan Ekonomi) International Journal of Economics, Business and Accounting Research (IJEBAR) Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Jurnal Ekonomi dan Perbankan Syariah Jurnal Rekognisi Akuntansi (JRA) JURIS (Jurnal Ilmiah Syariah) Media Riset Akuntansi Auditing & Informasi Yurisprudentia: Jurnal Hukum Ekonomi Borneo : Journal of Islamic Studies RESLAJ: Religion Education Social Laa Roiba Journal
Wahidullah Wahidullah, Wahidullah
Universitas Islam Nahdatul Ulama Jepara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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CONFORMITY OF DSN-MUI FATWA REGARDING MURABAHAH AGREEMENT IN MULTI-BENEFIT IB FINANCING AT BTN SYARIAH KCPS KUDUS Sadiyah, Khalimah; Wahidullah, Wahidullah; Utami, Cahyaning Budi
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 001 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Special Issue
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i001.8761

Abstract

The purpose of this study was to analyze the implementation of the murabahah contract on the Multimanfaat iB financing product at BTN Syariah KCPS Kudus, and its compliance with the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) No. 04/DSN-MUI/IV/2000. The method used in this study was a descriptive qualitative approach, data collection by interview, and observation. The results of the study indicate that the murabahah contract applied in this financing has adopted sharia principles, where the bank is the provider of goods and the customer is the buyer. However, there are challenges in its implementation, such as the lack of customer understanding of the contract mechanism and information transparency. The objects of financing that are traded are in accordance with sharia provisions, and the collateral system applied is different between general customers and BTN employees. Margin determination also varies based on the financing period. This study recommends increasing sharia financial literacy and evaluating information transparency to customers, as well as developing a more innovative murabahah contract scheme to improve the efficiency of sharia banking transactions.
ANALISIS PENERAPAN AKAD MUDHARABAH DALAM PRODUK TABUNGAN HAJI DAN UMROH PADA BTN SYARIAH KCPS KUDUS Rokmah, Fadilatur; Wahidullah, Wahidullah; Mubarok, Ahmad Fauzan
Borneo : Journal of Islamic Studies Vol. 5 No. 2 (2025): BORNEO: Journal of Islamic Studies
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/borneo.v5i2.3769

Abstract

Islamic banking in Indonesia has experienced significant growth, driven by increased public awareness, supportive regulations, and product innovations such as hajj and umroh savings. This study analyzes the application of the mudharabah contract in hajj and umroh savings products at BTN Syariah KCPS Kudus, focusing on compliance with sharia principles and economic effectiveness. Employing a qualitative approach through interviews, observations, and documentation, the study finds that the applied mudharabah muthlaqah contract complies with the DSN-MUI Fatwa, with a profit-sharing ratio of 45:55 and fund management through sharia-compliant instruments. However, low customer literacy and lack of transparency in fund management pose significant challenges. Economically, the product supports the growth of third-party funds (from IDR 3.8 billion in 2022 to IDR 4.5 billion in 2023), but the economic benefits for customers are less significant, as their primary motivation is hajj registration rather than profit sharing. The study recommends enhancing sharia education, transparency, and product innovation to optimize sharia compliance and economic benefits.
Analisis Penyelesaian Wanprestasi dalam Pembiayaan Murabahah Widiyaningsih, Yeni; Wulandari, Felina Dwi; Nida, Putri Khoirin; Rahma, Aida; Wahidullah, Wahidullah
Yurisprudentia: Jurnal Hukum Ekonomi Vol 11, No 1 (2025): Edisi Januari–Juni
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/yurisprudentia.v11i1.14384

Abstract

In the context of murabahah financing, default (wanprestasi) is a common issue that can lead to losses for Islamic banks. According to the Fatwa of the National Sharia Council MUI No. 43/DSN-MUI/VIII/2004, dhaman or compensation can be imposed on customers who fail to meet their payment obligations as stipulated in the contract. This study employs a qualitative descriptive method to analyze the mechanism of dhaman and its implications for customers experiencing default. The findings indicate that banks have the right to impose penalties in the form of fines (ta'zir) and/or compensation (dhaman) on customers who are able to pay but are late in fulfilling their obligations. However, it is recommended that Islamic banks first offer restructuring options to customers before taking further action. This research emphasizes the need for a balance between protecting customer rights and the bank's interests to achieve fairness in Islamic banking practicef.
Risiko Strategi Jemput Bola Pada Produk Simpanan Sembako (SIMKO) Di KSSPS Artha Yasmin Az-zahra Jepara Nasiroh, Ulyatin; Wahidullah, Wahidullah; Nafisah, Zahrotun
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2025): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/h0k4ed68

Abstract

This research aims to explain the risks of the ball picking strategy implemented at KSPPS Artha Yasmin Az-zahra Jepara. This research uses a qualitative approach method. The pick-up strategy is very popular with cooperatives and the community because the pick-up carried out by cooperatives it's easier for people to do it transactions with the cooperative. Picking up the ball can also make it easier for people not needing to go to the workplace since it can be done at home or at the market. From the results of this research, several things have been discovered, namely the risks experienced and the strategies that have been determined for the product. In this basic food savings product, people are also very happy about this product because it is a basic food savings product. Cooperatives also experience risks in the form of late payments. It is important for KSPPS to carry out regular evaluations and improvements in the implementation of strategy to ensure sustainability and growth cooperatives in the future. Keywords: Risk, ball picking strategy, Grocery savings products,KSPPS
BRIDGING PUBLIC PERCEPTION: BARRIERS TO ISLAMIC BANKING ADOPTION Wahidullah, Wahidullah; Jumaiyah, Jumaiyah
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 3 (2024): IJEBAR, VOL. 8, ISSUE 3, September 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i3.13414

Abstract

This study aims to assess the current views of the Jepara community towards sharia banking products, as well as the factors that influence these perceptions. This thesis was prepared using descriptive-qualitative research methods. A study of citizens' perceptions shows that sharia banking products are considered easy to use, cost-effective, and convenient. They appreciate the availability of ATM cards and BSI banking facilities for transactions anytime and anywhere. For interbank transfers, the administration fee is cheap—only 2,500. Sharia People's Economic Bank (SPEB) products are not subject to any administration fees or deductions, thus ensuring security, reliability, and compliance with Islamic principles. Factors that influence public perception of sharia banking products include understanding determinants, motivation factors, size factors, and movement factors. These factors have contributed to the perception that people are reluctant to use Islamic banks due to a lack of understanding of banking products. Compliance with Sharia is now very minimal.
Analisis Persepsi Karyawan Pada Kemudahan Akses Pembiayaan Bank Syariah dan Lembaga Pembiayaan Informal di PT Kanindo Makmur Jaya 2 Faridlotun Nimah; Wahidullah Wahidullah; Miswan Ansori
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 12 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i12.10206

Abstract

This study aims to analyze the perceptions of PT Kanindo Makmur Jaya 2 employees regarding the ease of access to financing through Islamic banks and informal financing institutions. The research method used qualitative data collection techniques through interviews, observation, and documentation. The results showed that employees perceived Islamic banks as having complicated procedures, requiring numerous documents, and taking a long time to disburse funds, while informal financing institutions were considered more accessible, fast, and flexible despite having high interest risks. Convenience and speed were the main reasons employees chose informal institutions to meet urgent economic needs. This study concluded that low levels of Islamic financial literacy and minimal product socialization have led to negative perceptions of Islamic banks, so strategies to improve education and simplify procedures are needed to expand Islamic financial inclusion among factory workers.
Co-Authors Ali Djamhuri Ansori, Miswan Athi’ Nihayatur Ruhmi Dian Ekawaty Ismail Evi Noviawati Farida, Yushinta Eka Farida, Yushinta Eka Faridlotun Nimah Henry Agus Sulistiyono istiqomah istiqomah Jumaiyah Jumaiyah Jumaiyah Jumaiyah Jumaiyah, Jumaiyah Jumaiyah, Jumaiyyah Luky Mudiarti Mohamad Khoiru Rusydi Mubarok, Ahmad Fauzan Muhammad Fauzi Murniati Murniati Murniati, Murniati Nafisah, Zahrotun Nasiroh, Ulyatin Nida, Putri Khoirin Ningrum, Sinta Nadia Novendri M Nggilu Nur Kholis Nur Kholis Rahma, Aida Ricky Khoirul Umam Risa Ardianti Rokmah, Fadilatur Sadiyah, Khalimah Siti Aliyah Solikhul Hidayat Umam, Ricky Khoirul Utami, Cahyaning Budi Widiyaningsih, Yeni Wulandari, Felina Dwi