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Faktor Penentu Keberhasilan Pembiayaan Syariah: Analisis Kepatuhan dan Pengelolaan Risiko dalam Pemberdayaan UMKM Fawaid, Fawaid; Saini, Saini
Indo-MathEdu Intellectuals Journal Vol. 5 No. 6 (2024): Indo-MathEdu Intellectuals Journal
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/imeij.v5i6.2334

Abstract

This study analyzes the success factors of sharia financing at BMT NU Jambesari, based on the significance of sharia financing in empowering MSMEs as pillars of the Islamic economy. The study addresses gaps by emphasizing sharia compliance and risk management strategies as key elements of success. The research aims to analyze the factors that determine the success of sharia financing in empowering MSMEs. This research employs a descriptive qualitative method with data collected through interviews, observations, and documentation. The findings reveal that the success of financing relies on strong sharia compliance, adaptive risk management strategies, empowerment through training, and a community-based local approach that strengthens long-term relationships with clients.
Pembatalan Tiket Jasa Transportasi Kereta Api dan Perubahan Jadwal Penumpang Perspektif Hukum Ekonomi Syari’ah Fawaid Fawaid
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol. 4 No. 1 (2020)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/istidlal.v4i1.204

Abstract

In conducting research, the authors use Islamic economic law research methods that adopt qualitative research methods including both primary data sources and secondary data, data collection techniques namely observation, interviews, documentation, data analysis techniques namely editing and organizing, checking the validity of data, and stages research stage. All this researchers use to find research results. The findings in this study are as follows: 1. In running a business as a transportation service provider, PT Kereta Api does not only focus on sales but also serves to cancel and change the schedules. 2. There are two kinds of cancellations, namely canceled buyers and canceled officers. 3. Cancellations and schedule changes are both manual and online. 4. Cancellation and schedule changes can be made as long as not exceeding the specified time limit. 5. In canceling and changing passengers' schedules, an administration fee of 25% of the ticket price is subject to administration.
Penerapan Akad Qardhul Hasan dalam Pembiayaan LASISMA: Telaah Kepatuhan Terhadap Hukum Ekonomi Syariah Fawaid; Halili
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 2 (2026): Januari
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.v7i2.64021

Abstract

Abstrak Penerapan akad qardhul hasan pada produk pembiayaan di lembaga keuangan syariah merupakan bentuk pembiayaan yang menjunjung prinsip keadilan dan tolong-menolong, namun dalam praktiknya terkadang tidak sesuai dengan prinsip syariah. Tujuan penelitian ini adalah untuk menganalisis penerapan akad qardhul hasan dalam produk pembiayaan LASISMA di BMT NU Cabang Jambesari serta menelaah kesesuaiannya dengan prinsip hukum ekonomi syariah. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik wawancara mendalam, observasi lapangan, dan analisis tematik terhadap data empiris. Temuan penelitian menunjukkan bahwa pembiayaan LASISMA telah menerapkan prinsip syariah secara umum, seperti transparansi akad, tidak adanya riba dan imbalan tambahan, serta pendekatan kekeluargaan dalam penyaluran dan pengembalian dana, meskipun terdapat tantangan berupa rendahnya literasi penerapan akad syariah dan komitmen nasabah terhadap pengembalian. Kesimpulannya, penerapan akad qardhul hasan dalam pembiayaan LASISMA tergolong patuh terhadap prinsip hukum ekonomi syariah, namun diperlukan penguatan kelembagaan, edukasi, dan pengawasan agar keberlanjutan dan kesesuaian syariahnya tetap terjaga secara optimal. Kata kunci : Qardhul Hasan, LASISMA, Syariah   Abstract The application of the qardhul hasan contract to financing products in Islamic financial institutions is a form of financing that upholds the principles of justice and mutual assistance, but in practice it is sometimes not in accordance with Islamic principles. The purpose of this study is to analyze the practice of implementing the qardhul hasan contract in the LASISMA financing product at the Jambesari Branch of BMT NU and to examine its compliance with the principles of Islamic economic law from both formal and substantial legal aspects. The research method used is a descriptive qualitative approach with in-depth interview techniques, field observations, and thematic analysis of empirical data. The research findings show that LASISMA financing has implemented general sharia principles, such as transparency of contracts, absence of usury and additional rewards, and a family approach in the distribution and repayment of funds, although there are challenges in the form of low literacy in the application of sharia contracts and customer commitment to repayment. In conclusion, the implementation of the qardhul hasan contract in LASISMA financing is considered to comply with the principles of sharia economic law, but institutional strengthening, education, and community supervision are needed so that its sustainability and sharia compliance are optimally maintained. Keywords: Qardhul Hasan, LASISMA, Sharia
Fiqh Zakat di Era Digital: Telaah Maqasid Syariah Terhadap Tren Kripto sebagai Alat Pembayaran Zakat: Fiqh Zakat di Era Digital: Telaah Maqasid Syariah Terhadap Tren Kripto sebagai Alat Pembayaran Zakat Halili; Fawaid
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 2 (2026): Januari
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.v7i2.64053

Abstract

Abstrak Perkembangan teknologi digital telah membawa perubahan yang sangat signifikan dalam praktik filantropi Islam, salah satunya adalah penerimaan penggunaan cryptocurrency sebagai alat pembayaran zakat dan penggalangan dana. Malaysia menjadi negara pertama yang mengizinkan pembayaran zakat menggunakan cryptocurrency, di mana pemerintah berargumen bahwa cryptocurrency merupakan sumber kekayaan terbaru yang dimiliki oleh generasi muda. Di Indonesia, platform pertukaran aset kripto berbasis syariah, Fasset, juga telah memperkenalkan Crypto Zakat, fitur yang memungkinkan pembayaran zakat menggunakan aset kripto. Sebelumnya, Masjid Shackwell Lane yang berlokasi di Hackney, London, Inggris, juga telah menerima pembayaran zakat dalam bentuk cryptocurrency. Memang, perdebatan seputar cryptocurrency menghadirkan peluang dan tantangan, membuat orang ragu apakah harus menerimanya atau menolaknya. Di satu sisi, cryptocurrency menawarkan beberapa keunggulan, namun di sisi lain, juga memiliki kelemahan yang tak terhindarkan, terutama karena operasinya yang online, yang membuatnya rentan terhadap berbagai ancaman dan risiko, serta dianggap penuh spekulasi. Penelitian ini menggunakan metode yuridis normatif dengan pendekatan konseptual. Data diperoleh melalui studi literatur yang mencakup sumber hukum primer, sekunder, dan tersier. Proses analisis dilakukan secara kualitatif dengan menafsirkan berbagai bahan hukum yang telah dikumpulkan. Hasil penelitian menunjukkan bahwa implementasi zakat menggunakan cryptocurrency dapat dilakukan melalui platform berbasis blockchain yang menjamin transparansi dan akuntabilitas dalam pengelolaan dana zakat. Dengan melibatkan lembaga zakat yang kompeten dan menerapkan mekanisme yang jelas, diharapkan pengumpulan dan distribusi zakat dapat dilakukan secara efektif, sehingga memberikan manfaat yang maksimal bagi mustahiq. Dalam konteks Maqasid Syariah, penggunaan aset kripto sebagai alat pembayaran zakat dapat diterima jika memenuhi prinsip-prinsip syariat yaitu tidak mengandung unsur spekulasi dan gharar, disamping itu harus mengandung unsur keadilan dan kemaslahatan. Kata kunci: Zakat, Kripto, Blockchain, Maqashid Syariah   Abstract: The development of digital technology has brought about significant changes in Islamic philanthropy practices, one of which is the acceptance of cryptocurrency as a means of payment for zakat and fundraising. Malaysia became the first country to allow zakat payments using cryptocurrency, with the government arguing that cryptocurrency is the newest source of wealth owned by the younger generation. In Indonesia, the Sharia-based crypto asset exchange platform, Fasset, has also introduced Crypto Zakat, a feature that allows zakat payments using crypto assets. Previously, Shackwell Lane Mosque, located in Hackney, London, England, also accepted zakat payments in the form of cryptocurrency. Indeed, the debate surrounding cryptocurrency presents opportunities and challenges, making people hesitate whether to accept or reject it. On the one hand, cryptocurrency offers several advantages, but on the other hand, it also has unavoidable disadvantages, mainly because of its online operation, which makes it vulnerable to various threats and risks, and is considered speculative. This study uses a normative juridical method with a conceptual approach. Data was obtained through a literature study covering primary, secondary, and tertiary legal sources. The analysis process was carried out qualitatively by interpreting the various legal materials that had been collected. The results of the study indicate that the implementation of zakat using cryptocurrency can be carried out through a blockchain-based platform that guarantees transparency and accountability in the management of zakat funds. By involving competent zakat institutions and implementing clear mechanisms, it is hoped that the collection and distribution of zakat can be carried out effectively, thereby providing maximum benefits for mustahiq. In the context of Maqasid Syariah, the use of crypto assets as a means of zakat payment is acceptable if it complies with the principles of sharia, namely that it does not contain elements of speculation and gharar, and must also contain elements of justice and benefit. Keywords: Zakat, Cryptocurrency, Blockchain, Maqashid Syariah
Integrated Entrepreneurship Guidance for Students of Al-Furqon Bondowoso Vocational School in Creating Productive and Independent Young Entrepreneurs fawaid, fawaid; Saini, Saini; Khoir, Qoidul; Shiddiqi, Hasbi Ash; Miftahussurur, Wildan
Dinamika: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 2 (2025): September-Desember 2025
Publisher : LPPI Yayasan Almahmudi bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/dinamika.v2i2.21

Abstract

This study addresses the low entrepreneurial readiness among vocational education students, a condition that persists despite the increasing national demand for young entrepreneurs. This gap is evident in the lack of practical skills such as identifying business opportunities, calculating production costs, and effectively marketing products. The aim of this study was to strengthen students' entrepreneurial capacity through an integrated mentoring model tailored to their learning context at SMK Al-Furqon Bondowoso, Indonesia. The method used was a community-based training approach that included seminars, workshops, coaching, and hands-on practice during a three-day intervention (January 4-6, 2026). The findings indicate an increased understanding of entrepreneurial concepts, competency in calculating production costs, pricing, and profit margins, and improvements in designing basic marketing strategies using offline and online media. Participants also demonstrated a shift in attitudes toward entrepreneurship as a viable career path that can be planned as early as possible. The study concludes that context-responsive mentoring can bridge the gap between theoretical knowledge and practical application in vocational settings and has the potential to be replicated to support entrepreneurship development in similar institutions at the secondary education level. These findings also emphasize the importance of an entrepreneurial empowerment model for the younger generation.
Perspektif Madzhab Syafi’i Terkait Jual Beli Online Fawaid Fawaid
Tabsyir: Jurnal Dakwah dan Sosial Humaniora Vol. 1 No. 2 (2020): April : Jurnal Dakwah dan Sosial Humaniora
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/tabsyir.v1i2.615

Abstract

Online buying and selling is a buying and selling practice that makes it very easy for both parties to carry out transactions, this is because online buying and selling transactions can be carried out without face to face. But often this convenience is utilized by irresponsible parties, so that it can harm other parties. Nevertheless, online buying and selling is very popular and has become a habit in shopping by the Indonesian people. So in this study, researchers used the perspective of the Shafi'i madzhab in examining the law of online buying and selling.
Jual Beli Organ Dalam Manusia Untuk Kebutuhan Tranplantasi Dalam Pandangan Hukum Islam Fawaid Fawaid
Tabsyir: Jurnal Dakwah dan Sosial Humaniora Vol. 1 No. 1 (2020): Januari : Jurnal Dakwah dan Sosial Humaniora
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/tabsyir.v1i1.618

Abstract

Transplantation is a medical procedure performed by moving healthy organs to replace damaged organs. Currently, transplantation has been very developed and used in various countries including Indonesia. Indonesia prohibits the sale and purchase of organs because the principle of freedom of contract in Indonesia is faced with ethics, religion and culture that influence it. Indonesia also has regulations related to transplantation, namely Law No. 36 of 2009 concerning Health and Government Regulation No. 18 of 1981 concerning Clinical Cadaveric Surgery and Anatomical Cadaveric Surgery and Transplantation of Human Body Organs or Tissues and several other Ministerial regulations, but some of these regulations are known to be incomplete and tend to be unclear because there is a blurring of norms in them. Until these regulations are no longer efficient to use anymore. So the government recently issued a regulation related to transplantation, namely PP No. 53 of 2021 concerning Organ and Tissue Transplantation. Learning from some of the previous problems and also the fact that transplantation is not only problematic in its regulation but also due to Islamic law factors. The questions raised in this research are first, how is the regulation of human organ transplantation in National law and Islamic law. Second, how is the legal expediency of human organ transplantation in the perspective of National law. This type of research is normative juridical with descriptive qualitative legal material analysis. With the results of the conclusion, first, Indonesia currently has regulations regarding transplants that are more complete and clear and have been correlated quite well even though not all provisions in Islamic law are adopted in it. Second, the current transplant regulation has also fulfilled the elements of expediency, the regulation does not conflict with the law above it.
Pendampingan Kewirausahaan Terpadu Bagi Siswa Smk Alfurqon Bondowoso Dalam Mewujudkan Wirausaha Muda Yang Produktif Dan Mandiri Fawaid; Saini; Qoidul Khoir
AlMurtado Journal of Social Innovation and Community Service Vol 2 No 2 (2025): sinergi berdaya untuk masyarakat
Publisher : BAMALA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Studi ini menganalisis rendahnya kesiapan berwirausaha di kalangan siswa pendidikan vokasi, yang tetap terjadi meskipun kebutuhan nasional terhadap wirausaha muda meningkat. Penelitian ini mengevaluasi dampak model pendampingan kewirausahaan terpadu berbasis komunitas, yang meliputi seminar, workshop, coaching, dan praktik langsung, terhadap pengembangan kompetensi produktif dan kemandirian wirausaha. Hasil intervensi menunjukkan peningkatan kemampuan siswa dalam menghitung biaya produksi, menetapkan harga, merancang strategi pemasaran offline dan online, serta pemahaman konsep kewirausahaan secara praktis. Selain itu, terjadi pergeseran sikap positif terhadap kewirausahaan sebagai jalur karier yang layak dan dapat direncanakan sejak dini. Temuan ini menegaskan bahwa model mentoring yang responsif terhadap konteks pembelajaran vokasi dapat menjembatani kesenjangan antara teori dan praktik, serta berpotensi direplikasi untuk memperkuat kewirausahaan di institusi pendidikan menengah serupa.