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Relevansi Prugal Living Bagi Penguatan Ketahanan Ekonomi Rumah Tangga Muslim: Perspektif Ekonomi Syariah Kisanda Midisen; Ali Nur Ahmad; Aceng Badruzzaman; Yudianto Achmad; Tiara Purnama Smart
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3232

Abstract

This study aims to analyze the relevance and contribution of the concept of prugal living as a strategy to strengthen the economic resilience of Muslim households within the framework of Islamic economics. This study uses a qualitative approach through literature study and content analysis of primary Islamic texts (the Qur'an, Hadith) as well as contemporary literature on prugal living. The analysis shows that prugal living has a strong philosophical and practical alignment with the basic principles of Islamic economics, particularly iqtishad (middle stance) and the prohibition of israf and tabdzir. Operationally, prugal living contributes to the pillars of Islamic economic resilience—from proportional income management, increasing savings capacity (idkhar), to asset protection (hifzh al-mal)—while supporting the achievement of maqasid al-syariah at the household level. Prugal living is not just a lifestyle trend, but an applicable and relevant Islamic financial strategy to build the economic resilience of Muslim households through resource optimization, value prioritization, and immunity from consumerism.
Tinjauan Hukum Ekonomi Syariah Terhadap Al-'Uqud Al-Murakkabah Dalam Praktik Jual Beli Pre Order Merch Photocard ATEEZ Pada Mangala GO Imelda Dwi Safira; Kisanda Midisen; Yudianto Achmad; MH Ainulyaqin; Sukron Mamun
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19214

Abstract

This study examines the pre-order (PO) buying and selling practices of ATEEZ photocard merchandise at the Mangala GO store through the lens of Islamic Economic Law, with particular emphasis on the implementation of al- ‘uqud al-murakkabah (hybrid contracts). By adopting a field research approach, this research constitutes a descriptive qualitative study. Data were obtained through a review of relevant literatures and direct observation, interview of parties actively involved in the transaction process, including sellers, personal shoppers, and buyers. The results reveal that the pre-order system applied by Mangala GO involves two types of contracts applied sequentially, namely the wakalah bil ujrah contract between the first and the second sellers as an intermediary, and the murabahah contract between the second seller and the buyer. In practice, the second seller acts as an authorized agent to order the goods and subsequently conducts a sale transaction with the buyer after the goods are obtained, with profits agreed upon transparently. According to Sharia Economic Law analysis, the implementation of this hybrid contract is considered valid and in compliance with the principles of fiqh muamalah, as it fulfills all the pillars and conditions of the contract and is free from elements of gharar, riba, and maysir. Clarity of price, cost details, product condition, and delivery time estimation are key factors ensuring the legitimacy of the transaction. This study confirms that the application of al- ‘uqud al-murakkabah in the pre-order system at Mangala GO can serve as a model for Sharia-compliant online transactions.
Dampak Ekonomi Kebijakan Larangan Kegiatan bagi Siswa Akhir SMA di Jawa Barat dalam Perspektif Maqasid Syariah Siti Meisah; Kisanda Midisen; MH Ainulyaqin; Sukron Mamun; Yudianto Achmad
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19509

Abstract

Ceremonial and costly activities for high school seniors often place an economic burden on parents and contribute to social inequality. Therefore, the government has enacted a policy banning such activities. This study aims to analyze the implementation of the policy banning high school senior activities at SMA Negeri 1 Cikarang Pusat and its economic impact from the perspective of Maqasid Syariah. The research method used is a qualitative approach employing interview and observation techniques. The results indicate that the ban policy has been effectively implemented through outreach and adjustments to the school program, yielding positive economic impacts, including reduced financial burdens, increased efficiency, and the promotion of economic justice. From the perspective of Maqasid Syariah, this policy aligns with the principles of hifz al-mal, hifz al-nafs, and hifz al-‘aql. Thus, this policy is effective in implementation, has a positive economic impact, and is consistent with the principle of public interest.
Tinjauan Hukum Ekonomi Syariah Terhadap Kebijakan Program Penghapusan Utang UMKM Syifa Salsa Bila; Listian Indriyani Achmad; MH Ainulyaqin; Sukron Mamun; Yudianto Achmad
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19510

Abstract

The MSME debt crisis that occurred after the pandemic caused systemic credit congestion and hampered national economic growth. The objective is to examine the policy of repealing PP No. 47 of 2024 from the perspective of Islamic Business Ethics. The goal is to show how the policy can consider the humanitarian aspects of debtors facing problems with the principles of fairness and stability of the banking financial system. This research is a qualitative study using a literature review approach. The data collection technique used in this study is to record or cite information from various literature sources, including books, journals, documents, and other data and information sources relevant to the research topic. The results of the study show that PP No. 47/2024 provides a legal basis for HIMBARA banks to write off debts for the strategic sector of up to a maximum of IDR 500 million. This policy is in line with the principles of Inzar al-Mu'sir (relief for those facing difficulties) and Ibra' in Islamic Business Ethics. The government applies an ethical filter with a five-year waiting period to prevent moral hazard and ensure fairness. The use of Maslahah Mursalah, which prioritizes public interest and protection of property, is at the core of the MSME debt write-off policy (Hifdz al-Maal). This step is proof of the state's concern for the little people without neglecting the aspect of banking integrity, according to Islamic Business Ethics. To provide targeted assistance to debtors who are truly in need, not those who are deliberately negligent, its success is highly dependent on strict data monitoring and validation.
Pelatihan-Workshop Pengenalan dan Pemanfaatan Metode Penelitian Al-Maudhu’i dan Pemakaian Software-Zekr Alat Bantu Analisis Penelitian Berbasiskan Al-Qur’an Untuk Mahasiswa, Peneliti, Dosen Yudianto Achmad; Supriyanto; Sarwo Edy; Listian Indriyani Achmad; Adam Lubis
Jurnal Pelita Pengabdian Vol. 1 No. 1 (2023): Januari 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jpp.v1i1.1558

Abstract

Pengabdian kepada masyarakat yang berbentuk pelatihan-workshop ini, ditujukan untuk para Mahasiswa, Peneliti, Dosen dilingkup Universitas Pelita Bangsa yang akan melakukan penelitian ilmiah dengan berbasiskan Al-Qur’an. Secara umum bagi para Mahasiswa, Peneliti, Dosen tersebut, pasti mengenal dengan baik dan memanfaatkan suatu bentuk metode penelitian, serta alat bantu proses analisis penelitian. Namun pada penelitian ilmiah berbasiskan Al-Qur’an, ada satu bentuk metode penelitian ilmiah yang banyak dipakai, yakni berupa metode penelitian yang dikembangkan oleh para ulama dan ilmuwan Islam kontemporer yang dalam bahasa Arab disebut dengan metode penelitian Tafsir Al-maudhu’i. Metode penelitian ini berupaya menguraikan suatu topik dalam penelitian dengan jalan menghimpun seluruh atau sebagian ayat-ayat dari beberapa surat Al-Qur’an yang berbicara tentang topik penelitian tersebut, selanjutnya akan dikaitkan antara satu topik dengan topik yang lainnya dalam penelitian, sehingga dapat diambil kesimpulan menyeluruh pemecahan topik permasalahan penelitian ilmiah berbasis Al-Qur’an. Selain itu dibutuhkan sebagai alat bantu analisis penelitian dimaksud, diantaranya berupa software Komputer yang berbasis Artificial Intelligence, yakni disebut dengan Software-Zekr yang berfungsi untuk dapat mencari kandungan kata yang digunakan sebagai kata inti dari topik permasalahan dalam penelitian ilmiah berbasis Al-Qur’an dalam surat dan ayat Al-Qur’an, sehingga akan semakin memperkuat ketajaman analisis dalam penelitian dimaksud, pada akhir akan menghasilkan keluaran penelitian yang sesuai dengan tujuannya. Pada awalnya para Mahasiswa, Peneliti, Dosen dimaksud banyak yang belum mengenal, serta banyak yang belum memanfaatkan Metode Penelitian Al-Maudhu’i dan Software-Zekr di dalam melakukan proses penelitian ilmiah berbasiskan Al-Qur’an. Kesimpulan akhir dari kegiatan ini adalah bahwa para Mahasiswa, Peneliti, Dosen tersebut dapat mengenal dan mengetahui, serta akan memanfaatkan Metode Penelitian Al-Maudhu’i dan Software-Zekr di dalam melakukan proses penelitian ilmiah berbasiskan Al-Qur’an.