Article Per Year (5 Year)
p-Index From 2021 - 2026
1.853
P-Index
This Author published in this journals
All Journal Al-Muqayyad Innovative: Journal Of Social Science Research Journal of Economic, Management, Business, Accounting Sustainability Journal Of Community Sustainability Journal Of Legal Sustainability (JOLS) Multidisciplinary Journal of Religion and Social Sciences (MJRS) LAN TABUR: JURNAL EKONOMI SYARIAH
Nilam Erman
Institut Agama Islam Edi Haryono Madani
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

Published : 12 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 12 Documents
Search

 1   2 
Analisis Perbandingan Akad Salam Dan Istishna’ Sebagai Instrumen Pembiayaan Syariah Rio Panji Saputra; Zubaidah Assyifa; Nilam Erman; Merry Meilany; Diany Mairiza
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 3 (2026): Juli 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i3.555

Abstract

Salam and istishna contracts are two transaction instruments in Islamic jurisprudence (fiqh muamalah) that hold significant potential as alternative financing instruments in Islamic banking, yet their application in Indonesia remains far from optimal. This article aims to comparatively analyze the fundamental concepts, operational mechanisms, and implementation of salam and istishna contracts within Indonesia's Islamic financing system. This study employs a qualitative approach using library research method through descriptive-comparative analysis of various relevant scientific literature sources. The findings reveal that although both contracts share similarities in that the object of transaction does not yet exist at the time of agreement, they differ substantially in terms of payment mechanisms, cancellation provisions, and the scope of financed objects. The salam contract is more relevant for agricultural sector financing, while the istishna contract is more predominantly applied in the construction and manufacturing sectors. The low implementation of both contracts is attributed to their high risk profiles, limited human resource capacity, and the availability of simpler alternative products. Synergistic efforts among regulators, Islamic banking institutions, and the government are required to optimize both contracts as inclusive and sustainable Islamic financing instruments.
Integrative Spiritual-Economic Model in Community Empowerment Based on Micro Waqf Bank at Fajar Pelita Harapan Islamic Boarding School Mohd Winario; Zubaidah Assyifa; Rahmawati Rahmawati; Merry Meilany; Nilam Erman; Henry Martin Adriansyah
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): SEPTEMBER (IN PROGRESS)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.203

Abstract

Introduction: Islamic boarding schools are traditional Islamic educational institutions that have an important role in the educational, social and economic development of society in Indonesia. This study aims to analyze the sharia-based community economic empowerment model through the Fataha Micro Waqf Bank (BWM) at the Fajar Pelita Harapan Islamic Boarding School in Maredan Village, Tualang District. Methods: The study used a qualitative descriptive approach involving 30 informants consisting of Islamic boarding school administrators, BWM Fataha managers, and the surrounding community as financing program customers. Data were obtained through in-depth interviews, observation, and documentation through the stages of data reduction, data presentation, and conclusion drawing. Results: The results show that the implemented empowerment model is integrative by combining Islamic microfinance, spiritual guidance, business mentoring, and group strengthening through the kumpi system. This program is able to increase access to business capital, strengthen community economic independence, improve Islamic financial literacy, and empower women as micro-entrepreneurs. In addition, the Islamic boarding school plays a role as a center for social capital and community moral development. However, the program still faces obstacles such as low entrepreneurial literacy, limited business innovation, and limited mentoring resources. This research shows that Islamic boarding schools have strategic potential as centers for sustainable sharia-based community economic empowerment Conclusion and suggestion: This study shows that the sharia-based community economic empowerment model implemented by the Fataha Micro Waqf Bank (BWM) in the Fajar Pelita Harapan Islamic Boarding School environment uses an integrative approach that combines sharia microfinance, spiritual guidance, business mentoring, and strengthening group solidarity through the kumpi system.
Co-Authors Diany Mairiza Diany Mairiza Haniah Lubis Harahap, Ahmad Muda Heni Pujiastuti Henry Martin Adriansyah Lukina, Teresa Merry Meilany Mohd. Winario Rahmawati Rahmawati Rio Panji Saputra Simbolon, Muhammad Iran Zubaidah Assyifa