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All Journal Al-Muqayyad Syar'Insurance: Jurnal Asuransi Syariah Al Dzahab PROGRESIF Jurnal AKAL: Abdimas dan Kearifan Lokal Wahana Islamika: Jurnal Studi Keislaman Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) Tafani
RATU HUMAEMAH, RATU
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Religion Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Transportation Other

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MINAT MASYARAKAT MEMILIH PEMBIAYAAN DI PNM MEKAR SYARIAH CABANG KRONJO KABUPATEN TANGERANG MENURUT PERSPEKTIF EKONOMI ISLAM Afifah Nazla Sevina; Sevina, Afifah Nazla; Suryani, Suryani; Humaemah, Ratu
Wahana Islamika: Jurnal Studi Keislaman Vol. 8 No. 2 (2022): Wahana Islamika: Jurnal Studi Keislaman
Publisher : STAI Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/abx21330

Abstract

Many people in Kronjo Tangerang Regency have become customers at PNM Mekar Syariah to increase their business capital. This is evidenced by the increasing number of PNM Mekar Syariah Branch Kronjo Tangerang Regency customers from year to year. The purpose of this study is to find out the factors that influence public interest in choosing financing at PNM Mekar Syariah. The method used in this research is descriptive qualitative research. The data sources used are primary data sources and secondary data sources. The data was obtained using the triangulation of data sources by combining data collection with observation techniques, structured interviews and documentation. The results of this study indicate that the public's view of financing at PNM Mekar Syariah Kronjo Branch, Tangerang Regency, is good and helps people who need capital to run their business or want to open a business but do not have capital. In its financing system, PNM Mekar Syariah Branch Kronjo uses Sharia principles and has three contracts used, namely wadi'ah contracts, wakalah contracts and murabahah contracts. The factors influencing people's interest in financing are the need factor, religiosity factor, social class factor and service quality. 
PENGARUH MEDIA SOSIAL TERHADAP KEPUTUSAN MINAT PEMBELIAN PRODUK ASURANSI SYARIAH PADA GENERASI Z Humaemah, Ratu; Roy, M. Indrajit; Herdiana, Hikmah
Syar'Insurance: Jurnal Asuransi Syariah Vol. 9 No. 2 (2023): Desember 2023
Publisher : UIN Sultan Maulana Hasanuddin Banten

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

Abstract

The purpose of this study is to influence social media on the purchase decision of sharia insurance products in generation Z. This study uses quantitative methods with purposive sampling techniques. Respondents in this study are students who belong to generation Z and have used social media. Data collected through questionnaires and evaluations with multiple linear regression show that social media has a significant good and positive influence on the decision of interest in purchasing sharia insurance products in generation Z, while the characteristics of gen Z has such a significant positive influence on decisions intention topurchase sharia insurance goods in generation Z. In the context of marketing sharia insurance products, insurance companies can utilize social media as one of the tools to promote their products to generation Z.
TRANSAKSI UANG ELEKTRONIK ERA DIGITAL PERSPEKTIF FIQH MUAMALAH KONTEMPORER Sandi, Ridwan Kurnia; Maulidya, Meisha; Suryani, Suryani; Itang, Itang; Marfu’ah, Siti; Humaemah, Ratu
SOSEBI: Jurnal Penelitian Mahasiswa Ilmu Sosial Ekonomi dan Bisnis Islam Vol 4 No 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/sosebi.v4i2.10269

Abstract

Abstrak: Penelitian ini bertujuan untuk menganalisis fenomena uang elektronik dalam perspektif fiqh muamalah kontemporer. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi Pustaka, Sumber data yang digunakan dari jurnal berupa hasil dari nilai transaksi belanja yang menggunakan uang elektronik. Hasil penelitian ini menujukkan bahwa penggunaan uang elektronik dalam era digital dapat dianggap sah dalam perspektif fiqh muamalah kontemporer, selama memenuhi prinsip-prinsip dasar syariah seperti akad yang jelas, keadilan, dan bebas dari riba serta gharar. Namun, penting untuk memperkuat regulasi, transparansi, dan keamanan guna memastikan bahwa transaksi uang elektronik tetap sesuai dengan nilai-nilai Islam. Hal ini didukung dengan keluarnya edaran DSN-MUI no:116/DSN-MUI/IX/2017 tentang uang elektronik syariah menunjukkan adanya peningkatan substansial dalam penggunaan uang elektronik oleh konsumen Indonesia selama lima tahun terakhir karena uang elektronik memudahkan komunikasi dan memberikan banyak keuntungan bagi penggunanya, maka penggunaannya dianggap sah. Akad yang digunakan oleh penerbit dengan pengguna uang elektronik umumnya akad titipan (wadi’ah) dam akad pinjaman (qardh). Kata Kunci: Uang Elektronik; Muamalah; Hukum Islam Abstract: This research aims to analyze the phenomenon of electronic money from the perspective of contemporary muamalah jurisprudence. This research uses a qualitative method with a library study approach. The data sources used are journals containing the results of transaction values from shopping using electronic money. The results of this study indicate that the use of electronic money in the digital era can be considered valid from the perspective of contemporary Islamic commercial jurisprudence, as long as it adheres to the basic principles of Sharia such as clear contracts, justice, and freedom from usury and uncertainty. However, it is important to strengthen regulation, transparency, and security to ensure that electronic money transactions remain in accordance with Islamic values. This is supported by the issuance of DSN-MUI circular no:116/DSN-MUI/IX/2017 regarding sharia-compliant electronic money, which shows a substantial increase in the use of electronic money by Indonesian consumers over the past five years because electronic money facilitates communication and provides many benefits to its users, thus its use is considered legitimate. The contracts used by issuers with electronic money users generally include the deposit contract (wadi’ah) and the loan contract (qardh). Keywords: Electronic Money; Muamalah; Islamic Law
Bitcoin dalam Persepektif Fiqih Muamalah Kontemporer: Bitcoin in the Perspective of Contemporary Fiqh Muamalah Ulfah, Nurul; Aningti, Amanda Dwi; Suryani, Suryani; Marfu’ah, Siti; Humaemah, Ratu; Azim, Muhammad Fadli; Setiadi, Rezky Mehta
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4361

Abstract

Purpose: This research is to understand Bitcoin in the perspective of contemporary muamalah fiqh, find out how contemporary scholars understand bitcoin and analyze whether it is permissible or not from the perspective of contemporary muamalah fiqh. Design/methodology/approach: This research method is included in the quantitative category with a descriptive approach process, where the data collection technique relies on references in the library method as the main source. In other words, the data collection method is obtained from literature, such as articles, online media, books and other sources.  Findings: : The results of this research show that bitcoin as an investment is not permitted because it contains gharar and maysir, and is not recognized as an official medium of exchange. The Indonesian government also does not support bitcoin as an official currency and considers it illegal under the Bank Indonesia Law. Research implications: From the results of this research, it is known that the development of Bitcoin in the Contemporary Prefective Fiqh of Muamalah, namely cryptocurrency, whether Bitcoin or other related cryptocurrencies, is still not accepted in Islamic law. and it could be said that it has not been legally and legitimately accepted in Indonesia.
Investasi syariah dalam meningkatkan profitabilitas PT. Asuransi Takaful Keluarga di tengah tantangan ekonomi global Budiman, Ardiyan; Humaemah, Ratu; Surahman, Surahman; Jambunanda, Ahmad Jamaludin
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2333

Abstract

This research examines how the implementation of sustainable Islamic investment can encourage profit growth at PT. Asuransi Takaful Keluarga. This study aims to analyze the effect of the implementation of sustainable sharia investment on the profit growth of PT. Asuransi Takaful Keluarga in the midst of global economic challenges. Through a qualitative approach, this study found that the implementation of sustainable Islamic investment contributed significantly to the increase in company profits. This is due to several factors, including increased investor confidence and reduced operational risk. This research shows that sustainable Islamic investment is not only limited to fulfilling social and environmental aspects, but can also be an effective business strategy to improve the company's financial performance.
Sosialisasi Stop Bullying dan Penyalahgunaan Narkoba di SMP IT Daarul Uzma Kecamatan Picung Kabupaten Pandeglang Wahyuningrum, Rina; Putri, Putri; Humaemah, Ratu; Aini, Faridatul; Syafitri, Viyonisa Nabilah; Almunir, Rizal Rizqi
TAFANI: Jurnal Pengabdian Masyarakat Vol 4 No 1 (2025): TAFANI
Publisher : LP2M UIN Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/tafani.v4i1.9117

Abstract

In the era of globalization, social issues such as bullying and drug abuse have become increasingly complex and require serious attention. The educational activity themed “Stop Bullying and Drug Abuse Prevention” conducted by the KKN Group 42 of UIN Sultan Maulana Hasanuddin Banten in collaboration with the Picung Police at SMPIT Daarul Uzma aimed to raise student awareness about the dangers of these behaviors. The methods used included lectures, discussions, and interactive Q&A sessions. The results of this activity showed that students became more aware of the signs and impacts of both bullying and drug abuse. The event also successfully provided moral support to students to avoid negative behaviors, as reflected in the signing of a banner as a commitment. The collaboration between students, police, and the school proved effective in creating a safer and healthier environment and is expected to serve as a model for similar efforts in other schools.
PENINGKATKAN DAYA TARIK KONSUMEN KALIGRAFI KERTAS PELANGI MELALUI INOVASI DESIGN Zahra, Hairani; Musfi, Zahfa; Wahyuningsih, Viandini; Zahra, Fakhriyah; Suryani, Suryani; Humaemah, Ratu; Fahrurrozi, Fahrurrozi; Azim, Muhamad Fadli; Jamaluddin, Jamaluddin; Setiadi, Rezky Mehta
Jurnal AKAL: Abdimas dan Kearifan Lokal Vol. 6 No. 2 (2025): Jurnal AKAL : Abdimas dan Kearifan Lokal
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/akal.v6i2.21921

Abstract

Artikel ini membahas peningkatan daya tarik konsumen  kaligrafi kertas pelagi dengan melakukan inovasi design yang dikelola oleh Sulistyawati, seorang mahasiswa di UIN Sultan Maulana Hasanuddin Banten. Kaligrafi kertas pelangi, yang menggabungkan warna- warna cerah dengan tulisan artistik, memiliki potensi besar tetapi menghadapi tantangan dalam pemasaran dan persaingan yang ketat di dunia seni. Melalui kegiatan Pengabdian Kepada Masyarakat (PKM), artikel ini mengusulkan strategi pemasaran berbasis desain visual, termasuk pembuatan logo merek dan pengelolaan media sosial yang efektif, khususnya di Instagram. Kegiatan ini dimulai dengan wawancara untuk mengidentifikasi masalah pemasaran yang ada. Hasil dari pelaksanaan menunjukkan peningkatan signifikan dalam penjualan produk kaligrafi kertas pelangi. Dengan pendekatan pemasaran yang lebih terstruktur dan kreatif, diharapkan produk ini dapat lebih dikenal dan dihargai oleh masyarakat, terutama di kalangan generasi muda yang tertarik pada seni dan budaya.
TRANSAKSI E-COMMERCE DENGAN METODE COD: Analisa Fiqh Muamalah terhadap Potensi Ketidakjelasan (Gharar) Murniasih, Murniasih; Sabillah, Nurul; Alfiyanti, Devi; Suryani, Suryani; Humaemah, Ratu; Azim, Muhamad Fadli; Setiadi, Rezky Mehta
SOSEBI: Jurnal Penelitian Mahasiswa Ilmu Sosial Ekonomi dan Bisnis Islam Vol. 5 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/sosebi.v5i2.11402

Abstract

Abstrak: Penelitian ini bertujuan untuk mengevaluasi kesesuaian sistem pembayaran Cash on Delivery (COD) di Shopee dengan prinsip-prinsip fiqh muamalah, khususnya dalam aspek keadilan, transparansi dan kepastian transaksi. Penelitian ini juga menelusuri dan menganalisis potensi unsur gharar (ketidakpastian) yang mungkin muncul dalam transaksi COD. Pendekatan yang digunakan adalah deskriptif kualitatif dengan metode studi literatur (library research). Data diperoleh dari berbagai sumber sekunder diantaranya artikel jurnal ilmiah metode COD dalam konteks modern. Hasil penelitian menunjukkan bahwa transaksi COD berpotensi mengandung unsur gharar apabila prosedur transaksi tidak jelas dan transparan. Penerapan prinsip keadilan, transparansi dan saling percaya antara penjual dan pembeli menjadi sangat penting. Langkah praktis yang disarankan antara lain verifikasi data, penggunaan jasa pengiriman terpercaya, serta kesepakatan syarat dan ketentuan yang jelas sebelum transaksi dilakukan. Temuan ini menunjukkan bahwa sistem COD dapat dijalankan secara halal dan sesuai syariat Islam jika prinsip-prinsip fiqh muamalah diterapkan secara konsisten. Oleh karena itu, pemahaman dan penerapan transaksi yang adil dan transparan sangat penting bagi pelaku e-commerce dan konsumen untuk mencegah gharar, penipuan dan potensi konflik di masa mendatang. Kata Kunci: gharar; pembayaran COD; fiqh muamalah. Abstract: This study aims to evaluate the compliance of Shopee's Cash on Delivery (COD) payment system with the principles of fiqh muamalah, particularly in terms of justice, transparency, and transaction certainty. The research also investigates and analyzes potential elements of gharar (uncertainty) that may arise in COD transactions. A qualitative descriptive approach was employed using a literature study method. Data were obtained from various secondary sources, including scholarly journal articles on COD methods in the modern context. The findings indicate that COD transactions may contain elements of gharar if the transaction procedures are unclear and non-transparent. The application of justice, transparency, and mutual trust between sellers and buyers is therefore crucial. Practical recommendations include data verification, the use of reliable delivery services, and clear agreements on terms and conditions prior to the transaction. These findings suggest that the COD system can be implemented in a halal manner and in accordance with Islamic law if the principles of fiqh muamalah are consistently applied. Therefore, understanding and implementing fair and transparent transactions are essential for e-commerce actors and consumers to prevent gharar, fraud and potential future conflicts. Keywords: gharar; COD payment; fiqh muamalah
Pelatihan Phsycological First Aid (PFA) untuk Meningkatkan Skill Konseling Mahasiswa Bimbingan Konseling Islam Sari, Melly Novita; Haq, Baiq Aida Islahul; Amelia, Yessi Arba; Septarinjani, Hernindya; Suryani; Fahrurrozi; Sukirno, Agus; Furqonuddin, Asep; Itang; Humaemah, Ratu; Marfu’ah, Siti; Jamaluddin; Azim, Muhamad Fadli; Setiadi, Rezky Mehta
PROGRESIF: Jurnal Pengabdian Komunitas Pendidikan Vol. 6 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36406/progresif.v6i1.45

Abstract

The campus environment often exposes students to academic, social, andpersonal pressures that can af ect their mental health. As a result, peer counseling becomes anessential approach to support students facing psychological dif iculties. One key skill in peer counselingis Psychological First Aid (PFA), which provides initial emotional support to individuals experiencing psychological distress. This PFA training was conducted for third-semester BKI students to enhance their ability to provide psychological support based on Islamic principles. The method used in this activity combines a literature-based socialization approach with practical exercises through seminars, discussions, and counseling simulations. The results show that while participants understood PFA theory well, some still faced dificulties in applying the techniques, especially in formulating the right questions as counselors. In conclusion, furthertraining is needed to strengthen the application of these counseling skills.
Co-Authors Afifah Nazla Sevina Aini, Faridatul Alfiyanti, Devi Almunir, Rizal Rizqi Amelia, Yessi Arba Aningti, Amanda Dwi Azim, Muhamad Fadli Azim, Muhammad Fadli Budiman, Ardiyan Fahrurrozi Fahrurrozi Fahrurrozi Furqonuddin, Asep Haq, Baiq Aida Islahul Herdiana, Hikmah Itang Itang Itang Jamaluddin Jamaluddin Jamaluddin Jambunanda, Ahmad Jamaludin Marfu’ah, Siti Maulidya, Meisha Murniasih, Murniasih Musfi, Zahfa Putri Putri, Putri Roy, M. Indrajit Sabillah, Nurul Sandi, Ridwan Kurnia Sari, Melly Novita Septarinjani, Hernindya Setiadi, Rezky Mehta Sevina, Afifah Nazla Sukirno, Agus Surahman Surahman SURYANI Suryani Suryani Syafitri, Viyonisa Nabilah Ulfah, Nurul Wahyuningrum, Rina Wahyuningsih, Viandini Zahra, Fakhriyah Zahra, Hairani