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All Journal Hukum Islam Jurnal Ilmiah Ekonomi Islam Maqasid: Jurnal Studi Hukum Islam Tawazun: Journal of Sharia Economic Law DAYAH: Journal of Islamic Education Al Ahkam Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah El-Iqtishady Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah DIKTUM: JURNAL SYARIAH DAN HUKUM Indonesian Journal of Islamic and Social Science (IJISS) Jurnal Syariah dan Ekonomi Islam (JSEI) JTA International Journal of Islamic Finance (IJIF) Landraad Jurnal Pendidikan Islam Al Ikhlas
Fahmi Makraja
Universitas Islam Negeri Sunan Kalijaga Yogyakarta
Religion Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PENERAPAN AKAD WADIAH DALAM PRODUK TABUNGAN PADA BANK SYARIAH INDONESIA Fahmi Makraja; Khadijatul Musanna
Indonesian Journal of Islamic and Social Science Vol 1 No 2 (2023): Indonesian Journal of Islamic and Social Science
Publisher : LPPM IAI Almuslim Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/qzs4wq48

Abstract

Savings products at BSI use a wadiah yad dhamanah agreement, namely the use of customer savings funds by the bank without sharing profits with the customer, but the customer is given a bonus from time to time by the bank according to the management's interruptions. Wadiah yad amanah almost does not exist in Indonesian sharia banks. In muamalah, both in trading and in Islamic banking, Islamic banking has also regulated that it must not harm other parties, must be transparent and there must be no element of usury. This research uses qualitative research. It is hoped that this research will be able to provide a detailed description of the theory regarding the comprehensive systematic application of wadiah contracts regarding matters relating to bank business activities with sharia principles, especially in raising funds, namely wadiah. The results of this research show that the implementation of the wadiah contract using wadiah yad dhamanah in Indonesian sharia banks seems forced in order to attract as many customers as possible, where the majority of the Indonesian population is Muslim, as well as in order to gain the trust of its customers.
PRAKTIK GALA UMONG  DAN DAMPAKNYA TERHADAP PEREKONOMIAN MASYARAKAT PERSPEKTIF EKONOMI SYARIAH Makraja, Fahmi; Kefi Miftachul Ulum; Rangga Suganda; Rodhotun Nimah; Maulida Khairunnisa
Jurnal Syariah dan Ekonomi Islam Vol 3 No 1 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/q82fp508

Abstract

Abstract: The practice of gala umong carried out in the community is an alternative option in solving the economic problems they face. The fundamental reason for implementing gala umong among the community is because the process of carrying out the contract is very short and does not require a long time. Gala umong is a term often heard in Acehnese society which means pawn of rice fields. Gala umong is almost practiced throughout the entire Aceh region, including Gampong Pusu Ingin Jaya, Manggeng District, Southwest Aceh Regency. The practice of gala umong is carried out as an alternative in order to solve the economic problems they face. Gala gatherings are held between neighbors or close relatives. This research uses a descriptive qualitative approach by further exploring the practice of gala umong among the community. The results of this research show that the gala umong held in Pusu Ingin Jaya Village had a very big impact on the community's economic sector. The positive impact is that rice field owners can earn money in the near future to finance their daily needs, start a business and pay educational costs. The negative impact felt by rahin and murtahin is increasing social inequality and reducing farmers' livelihoods due to their rice fields being used as collateral. When viewed from a sharia economic perspective, the implementation of the gala umong that occurred in Pusu Ingin Jaya Village was not in accordance with the binding elements in it. There are some pledge requirements that have not been fulfilled, namely there is no written evidence and no witnesses. Keywords: Pawn, Akad Rahn, Gala umong,   Abstrak Praktik gala umong yang dilakukan di tengah masyarkat merupakan salah satu pilihan alternatif dalam meneyelesaikan permasalahan ekonomi yang dihadapinya. Alasan fundamental dilaksanakannya gala umong dikalangan masyarakat adalah karena proses pelaksanaan akadnya yang sangat singkat dan tidak memerlukan waktu yang lama. Gala umong merupakan sebutan yang sering terdengar di masyarakat Aceh yang berarti gadai sawah. Gala umong hampir dipraktikkan diseluruh wilayah Aceh termasuk Gampong Pusu Ingin Jaya Kecamatan Manggeng Kabupaten Aceh Barat Daya. Praktik gala umong dilakukan sebagai alternatif dalam rangka menyelesaikan permasalah ekonomi yang dihadapinya. Gala umong dilakukan antar tetangga ataupun kerabat dekat. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan menelusuri lebih jauh praktik gala umong di kalangan masyarkat. Hasil penelitian ini menunjukkan bahwa, gala umong yang dilakukan di gampong Pusu Ingin Jaya sangat sangat berdampak pada sektor perekonomian masyarakat. Dampak positifnya adalah para pemilik sawah dapat memperoleh uang dalam waktu dekat untuk membiayai kebutuhan sehari-hari, mudal usaha dan membayar biaya pendidikan. Adapun dampak negatifnya yang dirasakan oleh rahin dan murtahin adalah meningkatnya kesenjangan sosial dan mengurangi mata pencaharian petani akibat sawahnya dijadikan barang jaminan. Apabila dilihat dari perspektif ekonomi syariah pelaksanaan gala umong yang terjadi di gampong Pusu Ingin Jaya belum sesuai dengan unsur yang mengikat didalamnya. Terdapat sebagian dari syarat-syarat gadai yang belum terpenuhi yaitu tidak ada bukti tertulis dan tidak ada saksi.   Kata Kunci: Gadai, Akad Rahn, Gala umong
ANALISIS TERHADAP AKAD MUSYARAKAH MUTANAQISAH DAN PROBLEMATIKANYA DALAM PRAKTIK PERBANKAN SYARIAH Makraja, Fahmi; Elya Fitriyani; Nisa Afifah; Khadijatul Musanna
Jurnal Syariah dan Ekonomi Islam Vol 3 No 2 (2025): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/nfd6x974

Abstract

  The Musyarakah Mutanaqisah (MMQ) contract, as one of the increasingly popular financing products in Islamic banking, offers a unique alternative to asset ownership that is in line with sharia principles. This study aims to comprehensively analyze the MMQ contract, highlight its Sharia foundations, and identify and explore the issues that arise in its implementation in the field. The research methods used include literature review and qualitative analysis of fatwas issued by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), Islamic banking regulations, and practices observed in several Islamic banks. The analysis shows that, in theory, MMQ is built on three basic contracts that do not conflict with each other: the syirkah or musyarakah contract for partnership, the ijarah contract for lease, and the sale and purchase contract for transfer of ownership. The combination of the three forms an innovative financing structure. However, in practice, several crucial issues arise. One of these is the issue of al-Ijarah al-Mawsuqah bil-Bay', or lease followed by a promise of sale, which some contemporary scholars still debate its validity. Nevertheless, the DSN-MUI has issued a fatwa permitting this scheme under certain conditions and terms
Komparasi Hukum Pada Fatwa Cryptocurrency di Malaysia dan Timur Tengah Makraja, Fahmi; Mirza Al Fajri
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 9 No 1 (2024): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v9i1.8807

Abstract

Abstract Cryptocurrency is a digital currency that is used as a means of exchange for online transactions. The use of Cryptocurrency has become a hot issue in the world, considering the significant current of change in digital technology, so an in-depth study regarding Cryptocurrency law is very necessary. This research discusses legal comparisons on Cryptocurrency fatwas in Malaysia and the Middle East. The aim of this research is to analyze and compare the legal status of Cryptocurrency fatwas in Malaysia and the Middle East. The method used in this research is a comparative juridical approach. The research results show that there are differences between Cryptocurrency fatwas in Malaysia and the Middle East, these differences are based on different legal reasons. In Malaysia, a study of sharia law explains that Cryptocurrency does not meet the criteria as a currency. In Egypt, the use of Cryptocurrency has the potential to damage the economic order considering that the transaction exchange medium used is not in accordance with Sharia law. In Pakistan, Cryptocurrency is against the terms of money set by FATT. In Saudi Arabia, Cryptocurrency opens up opportunities for illegal transactions and is contrary to Islamic economic rules. And Iran, Ayatollah Ali Khamenei's group gave a signal that it would allow the use of Cryptocurrency, but other groups opposed the use of Cryptocurrency as a medium of exchange or commodity. Keywords: Cryptocurrency, Malaysian Fatwa, Middle East
URGENSI MAQASID SYARIAH DALAM MENILAI TREN THRIFTING: SEBUAH SOLUSI ATAU ANCAMAN Fahmi Makraja; Elya Fitriyani; Nisa Afifah; Tajul Iflah; Raihan Putri
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.61732

Abstract

Abstrak Tren thrifting, atau jual beli pakaian bekas, telah menjadi fenomena global yang populer, terutama di kalangan generasi muda. Fenomena ini didorong oleh berbagai faktor, mulai dari isu keberlanjutan lingkungan, ekonomi, hingga ekspresi gaya hidup. Namun, di balik popularitasnya, thrifting memunculkan berbagai pertanyaan etis dan moral, terutama ketika dianalisis dari perspektif Maqasid Syariah. Penelitian ini bertujuan untuk mengkaji urgensi Maqasid Syariah sebagai kerangka evaluasi yang komprehensif untuk menilai tren thrifting. Dengan menggunakan pendekatan kualitatif dan studi pustaka, tulisan ini menganalisis fenomena thrifting dengan menimbang maslahat (manfaat) dan mafsadat (kerugian) yang ditimbulkannya. Hasil Penelitian ini menjawab bahwa berdasarkan analisis menggunakan Maqasid Syariah, tren thrifting memiliki dua sisi yang kontras. Sebagai solusi, thrifting sejalan dengan prinsip hifz al-mal (menjaga harta) karena menawarkan akses sandang yang terjangkau dan mengurangi limbah tekstil. Hal ini juga mendukung hifz al-bi'ah (menjaga lingkungan) dengan mempromosikan ekonomi sirkular. Namun, sebagai ancaman, thrifting berpotensi merusak hifz al-mal makro karena mengancam industri tekstil lokal. Selain itu, aspek hifz al-nafs (menjaga jiwa/kesehatan) dapat terabaikan jika pakaian bekas tidak disanitasi, dan dapat mendorong perilaku israf (pemborosan) yang bertentangan dengan etika Islam. Dengan demikian, thrifting adalah solusi hanya jika dilakukan secara etis dan bertanggung jawab. Kata Kunci: Thrifting, Maqasid Syariah, Keberlanjutan, Ekonomi Sirkular, Etika Islam.   Abstract The trend of thrifting, or buying and selling used clothing, has become a popular global phenomenon, especially among the younger generation. This phenomenon is driven by various factors, ranging from environmental sustainability issues, economics, to lifestyle expressions. However, behind its popularity, thrifting raises various ethical and moral questions, especially when analyzed from the perspective of Maqasid Syariah. This study aims to examine the urgency of Maqasid Syariah as a comprehensive evaluation framework for assessing the thrifting trend. Using a qualitative approach and literature review, this paper analyzes the thrifting phenomenon by weighing the maslahat (benefits) and mafsadat (drawbacks) it entails. The findings of this study indicate that, based on an analysis using Maqasid Syariah, the thrifting trend has two contrasting sides. As a solution, thrifting aligns with the principle of hifz al-mal (preserving wealth) by offering affordable clothing and reducing textile waste. It also supports hifz al-bi'ah (preserving the environment) by promoting a circular economy. However, as a threat, thrifting has the potential to undermine macro hifz al-mal by jeopardizing the local textile industry. In addition, the aspect of hifz al-nafs (preserving life/health) can be neglected if used clothing is not sanitized, and can encourage israf (wasteful) behavior that is contrary to Islamic ethics. Thus, thrifting is a solution only if it is done ethically and responsibly. Keywords: Thrifting, Maqasid Syariah, Sustainability, Circular Economy, Islamic Ethics.
IMPLEMENTASI MEDIA PEMBELAJARAN BERBASIS DIGITAL DAN KONVENSIONAL PADA PEMBELAJARAN PAI DI SDN 32 REJANG LEBONG Wijaya, Asep; Makraja, Fahmi
Jurnal Tarbiyah Almuslim Vol. 2 No. 1 (2024): Jurnal Tarbiyah Almuslim
Publisher : Fakultas Tarbiyah IAI Almuslim Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/ggfw2s84

Abstract

  Abstract This research aims to determine the application of digital learning media and conventional learning media in PAI lessons at SDN 32 Rejang Lebong. This research uses a qualitative method, where the PAI teacher at SDN 32 Rejang Lebong is the primary source and books or journals are the secondary sources. Then the data collected was analyzed using the interactive model from Miles & Huberman. The results of the research show that the maximum application of digital learning media and conventional learning media has been carried out by PAI teachers. However, the application of digital learning media is only carried out when the material is difficult to explain and limited facilities are also other causes. The hope is that the school will provide more digital media to make it easier for teachers to teach. Meanwhile, conventional learning media is optimal, which is carried out by PAI teachers by taking advantage of the environment, but you need to pay attention when using this, there are not many students, a maximum of 15 students is enough so that the media can function optimally.   Keywords: Digital Learning Media, Conventional Learning Media, PAI   Abstrak Penelitian ini bertujuan untuk mengetahui penerapan media pembelajaran digital dan media pembelajaran konvensioanal pada pelajaran PAI di SDN 32 Rejang Lebong. Penelitian ini menggunakan metode kualitatif, yang mana guru PAI SDN 32 Rejang Lebong menjadi sumber primer dan buku ataupun jurnal yang menjadi sumber sekundernya. Kemudian data yang dikumpulkan di analisis dengan interactive model dari Miles & Huberman. Hasil penelitian menunjukan bahwa dalam penerapan dari media pembelajaran digital dan media pembelajaran konvensional maksimal yang sudah dilakukan oleh guru PAI. Namun pada penerepan media pembelajaran digital hanya dilakukan ketika materi sulit untuk dijelas serta fasilitas yang terbatas juga menjadi penyebab lainya. Harapannya pihak sekolah memberikan lebih banyak media digital agar memudah guru dalam mengajar. Sedangkan media pembelajarn konvensional sudah optimal yang dilakukan oleh guru PAI dengan memanfaat sekitar namun perlu di perhatikan ketika menggunakan ini siswanya tidak banyak, cukup maksimal 15 siswa agar media dapat berfungsi dengan optimal.         Kata kunci : Media Pembelajaran Digital, Media Pembelajaran Konvensional, PAI  
IMPLEMENTASI MODEL ASSURE BERBASIS VIDEO YOUTUBE DALAM MENINGKATKAN PEMAHAMAN MATERI FATHU MAKKAH  DI TPA AL-FITRAH YOGYAKARTA Fatur Rahman; Fahmi Makraja; Mohammad Riefyal Moulana
Jurnal Tarbiyah Almuslim Vol. 3 No. 2 (2025): Jurnal Tarbiyah Almuslim
Publisher : Fakultas Tarbiyah IAI Almuslim Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/xzaq2r47

Abstract

This study aims to describe and analyze the implementation of the YouTube video-based ASSURE model in improving students' understanding of Fathu Makkah material at TPA Al-Fitrah. The method used is descriptive analytical with a qualitative approach. Data were collected through observation, interviews, documentation, and learning outcome tests. The results showed that the application of the ASSURE model consisting of six stages (Analyze Learners, State Objectives, Select Methods, Utilize Media, Require Learner Participation, and Evaluate and Revise) was successfully implemented systematically. The YouTube video media used contains Islamic history narratives with interesting visualizations and a duration of 7-10 minutes, proven to be able to increase students' interest in learning and understanding. The average pre-test score of 45% increased to 82% in the post-test. Observations and interviews showed an increase in participation and enthusiasm for learning. Technical constraints such as device and connection limitations are overcome through adaptive strategies. The conclusion of this study is that the YouTube video-based ASSURE model is effective as an alternative to learning Islamic history in the TPA environment, and is able to significantly improve understanding of the material.
Co-Authors Abdul Mujib Afifah, Nisa Aidil Azhar Al Fajri, Mirza Deva Nabilah Elya Fitriyani Fatur Rahman fatur Rahman, fatur Fitri Yanti Fitriyani, Elya Imeldalius, Imeldalius Kefi Miftachul Ulum Khadijatul Musanna Maulida Khairunnisa Mirza Al Fajri Mohammad Riefyal Moulana Musanna, Khadijatul Nimah, Rodhotun Nisa Afifah Nur Hidayat Raihan Putri Ramlah Ramlah Rangga Suganda Rian Rahmad Ridha Aulia Riyan Auliyanda Safrizal Rodhotun Nimah Siti Sonya Nadzilla Suganda, Rangga Tajul Iflah Ulil Azmi Ulum, Kefi Miftachul Miftachul Wijaya, Asep