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All Journal Al-'Aqdu: Journal of Islamic Economics Law Jurnal Pengabdian Kompetitif
Dama Mustika
Sekolah Tinggi Agama Islam Hubbulwathan Duri
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Sharia Gold Installments at BSI and a Conventional Pegadaian Outlet in Mandau Annisa Diva Pratiwi; Dama Mustika
Al-'Aqdu: Journal of Islamic Economics Law Vol 6, No 2 (2026): Issue in Press
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/ajiel.v6i2.4563

Abstract

Gold installment (cicil emas) products are marketed to Muslim customers as Sharia-compliant, yet their legal construction varies across institutions and delivery channels. This study compares the gold installment scheme of Bank Syariah Indonesia (BSI) with Pegadaian's Sharia gold installment product in Mandau District, Bengkalis Regency, Riau, where no certified Pegadaian Sharia unit operates and the product is sold through a conventional outlet. The study adopts an empirical-normative (socio-legal) qualitative design: data from interviews with the officer responsible for the product at each institution, observation and official product information were evaluated against the relevant DSN-MUI fatwas. BSI combines murabahah with rahn and applies a fixed margin of 9%–13.5% per year, tenors of 12–60 months and a ta'zir fine under Fatwa No. 17/DSN-MUI/IX/2000. At the Pegadaian outlet, the officer described a rahn-secured loan with a tariff of 0.92% per month of the appraised gold value, consistent with Pegadaian's published tariff and also called sewa modal, tenors of 3–36 months and a gradual fine of up to 4% per month. BSI's scheme is broadly compliant, provided that BSI owns the gold before concluding the murabahah contract. Pegadaian's tariff is permissible if it fixes a murabahah price, as Pegadaian's publications state, although it is costlier than BSI's margin at the same tenor. Under the loan construction described at the outlet, however, it becomes a return on a loan and raises a riba concern. The study recommends Sharia service windows, staff training and clearer disclosure of contracts, fees and the allocation of fines.
PENINGKATAN KETERAMPILAN ANALISIS DATA KUANTITATIF MELALUI PELATIHAN HANDS-ON SPSS BAGI MAHASISWA EKONOMI SYARIAH Anis Mahmudah Dariati; Dama Mustika
Jurnal Pengabdian Kompetitif Vol. 4 No. 2 (2025): Inovasi Teknologi dan Digital untuk Pemberdayaan UMKM dan Desa Mandiri
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/pengabdiankompetif.v4i2.2523

Abstract

The problem in this service is the low understanding and skills of Sharia Economics students in using the SPSS application for quantitative data processing. Students tend to experience anxiety and choose to use third-party services, which can potentially lower the quality of their theses. This exercise aims to enhance students' comprehension and proficiency in using SPSS version 20 to process quantitative data. Lectures, conversations, and practical exercises are some of the techniques employed. Thirty final year students from the Sharia Economics Study Program are the intended audience for this activity. The results show an improvement in students' ability to operate SPSS, particularly in multiple linear regression and ANOVA analysis. This activity successfully equipped students with the skills to process data independently, thus improving the quality of their scientific work and avoiding dependence on data processing services.
Co-Authors Anis Mahmudah Dariati Annisa Diva Pratiwi