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All Journal Al-Ta'rib: Jurnal Ilmiah Program Studi Pendidikan Bahasa Arab IAIN Palangka Raya Arabiyatuna : Jurnal Bahasa Arab Jurnal Peurawi : Media Kajian Komunikasi Islam Aphorisme: Journal of Arabic Language, Literature, and Education El-Iqtishady Kilmatuna: Journal Of Arabic Education
Safrudin, Ramadhan
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : El-Iqtishady

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AKAD WADIAH YAD DHAMANNAH SEBAGAI INOVASI AKAD DANA PENSIUN DI LEMBAGA KEUANGAN SYARIAH Naufal Muhamad Shodiqin; Husni Rizallul Muslim; Safrudin, Ramadhan
El-Iqthisadi Volume 6 Nomor 2 Desember 2024
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/el-iqthisady.vi.53878

Abstract

Abstrak Penelitian ini menganalisis penggunaan akad wadi’ah yad dhamanah sebagai inovasi dalam pengelolaan dana pensiun di lembaga keuangan syariah. Akad ini menawarkan keamanan dana pokok, stabilitas pengelolaan, dan transparansi yang lebih baik dibandingkan akad mudharabah, sekaligus tetap sesuai dengan prinsip syariah. Pendekatan kualitatif deskriptif-analitis digunakan, dengan data diperoleh melalui wawancara dan studi dokumentasi. Hasil penelitian menunjukkan bahwa akad wadi’ah yad dhamanah mampu meningkatkan kepastian perlindungan finansial bagi peserta dan kepercayaan masyarakat terhadap produk dana pensiun syariah. Inovasi ini juga relevan untuk menjawab kebutuhan pasar dan mendorong daya saing produk keuangan syariah. Kata Kunci: Akad Wadiah yad Dhamanah, Inovasi, Lembaga Keuangan Syariah.   Abstract This study analyzes the use of the wadi’ah yad dhamanah contract as an innovation in pension fund management within Islamic financial institutions. This contract offers enhanced security of principal funds, management stability, and greater transparency compared to the mudharabah contract, while adhering to Islamic principles. A qualitative descriptive-analytical approach was employed, with data obtained through interviews and document studies.The findings reveal that the wadi’ah yad dhamanah contract enhances financial security assurance for participants and builds public trust in Islamic pension fund products. This innovation is also relevant for addressing market needs and boosting the competitiveness of Islamic financial products Keywords: Akad Wadiah Yad Dhamanah, Innovation, Islamic Financial Institutions.
STUDI PERKEMBANGAN CROWD FUNDING SYARIAH DI INDONESIA TERHADAP SOLUSI PENDANAAN UMKM Halim, Andri; Safrudin, Ramadhan
El-Iqthisadi Volume 6 Nomor 2 Desember 2024
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/el-iqthisady.vi.53929

Abstract

Abstrak Penelitian ini membahas perkembangan crowdfunding syariah di Indonesia sebagai opsi pembiayaan bagi Usaha Mikro, Kecil, dan Menengah (UMKM). Crowdfunding syariah didefinisikan sebagai sistem pembiayaan yang sesuai dengan prinsip-prinsip syariah, dengan menghindari unsur riba, perjudian, dan keuntungan spekulatif. Artikel ini menyajikan informasi tentang struktur model crowdfunding, pertumbuhan fenomena crowdfunding di Indonesia, manfaatnya bagi UMKM, serta tantangan dan hambatan yang perlu dihadapi. Selain itu, regulasi yang terkait dengan crowdfunding, khususnya Peraturan Otoritas Jasa Keuangan (OJK), turut menjadi perhatian dalam pembahasan. Artikel ini menekankan pentingnya peningkatan kesadaran masyarakat terhadap crowdfunding, melibatkan pihak-pihak terkait, dan berkolaborasi dengan negaranegara yang memiliki pengalaman dalam menerapkan crowdfunding. Harapannya, crowdfunding syariah dapat menjadi model pembiayaan yang inklusif dan berkelanjutan, mendukung perkembangan UMKM, serta mengurangi ketergantungan pada lembaga keuangan dan pemerintah. Kata Kunci: Crowdfunding syariah, Pendanaan UMKM, Studi Perkembangan.   Abstract This study examines the development of Sharia-compliant crowdfunding in Indonesia as a financing option for Micro, Small, and Medium Enterprises (MSMEs). Sharia crowdfunding is defined as a financing system aligned with Islamic principles, avoiding elements of usury (riba), gambling, and speculative profit. This article provides insights into the structure of crowdfunding models, the growth of the crowdfunding phenomenon in Indonesia, its benefits for MSMEs, as well as the challenges and obstacles faced. Additionally, regulations related to crowdfunding, particularly those issued by the Financial Services Authority (OJK), are also discussed. The article highlights the importance of raising public awareness about crowdfunding, involving relevant stakeholders, and collaborating with countries experienced in implementing crowdfunding. It is hoped that Sharia-compliant crowdfunding can become an inclusive and sustainable financing model, support MSME development, and reduce dependency on financial institutions and the government. Keywords: Sharia Crowdfunding, MSME Funding, Development Study.
Co-Authors Alby, Moch. Hazmi Farhanul Fauzi, Muhamad Fauzan Fauzia, Eva Lathifah Halim, Andri Husni Rizallul Muslim Khusnadi, Muhammad Hafidz Mardiya, Zakiyatul Moh. Yunus Musthafa, Izzuddin Nanang Kosim Nandang, Ade Naufal Muhamad Shodiqin Romdoni, Nurul Hikmatur Shobirin, Shobirin Shofwatul Fu'adah Siregar, Sri Dewi Priwarti Siti Sanah Suyono Suyono Wulandari, May Putri