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All Journal Paradigma : Journal of Science, Religion and Culture Studies Progresiva : Jurnal Pemikiran dan Pendidikan Islam Sharef: Journal of Sharia Economics and Finance
Chindya Pratisti Puspa Devi
Sekolah Tinggi Agama Islam Al-Barokah, Depok, Indonesia
Religion Humanities Economics, Econometrics & Finance Education

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Implementation of the Concept of I'tibar Al Ma'alat in Sharia Banks Toward Customer Late Fines for Delaying Payment Obligations Aminuddin, Aminuddin; Puspa Devi, Chindya Pratisti
PARADIGMA : JURNAL ILMU PENGETAHUAN AGAMA, DAN BUDAYA Vol 21 No 1 (2024): PARADIGMA Journal of Science, Religion and Culture Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/paradigma.v21i1.7953

Abstract

The concept of I'tibar Al Ma'alat is a legal consideration that is carried out based on the participation or understanding of a guideline study and sees its relationship with the consequences that occur, be it good or bad consequences. This study aims to determine the principle of I'tibar Al Ma'alat, the rules and regulations of Islamic banks related to fines on customers who are late in paying obligations to be in line with the concept of I'tibar Al Ma'alat and the impact of the implementation of the concept of I'tibar Al Ma'alat in terms of fines on customers and Islamic banks. This research uses a qualitative method with a normative juridical approach by extrapolating the legal texts set to consider the results with data collection through library research by reading and analysing in the form of fatwa books of DSN-MUI scholars, laws. The findings in this study indicate that the concept of I'tibar Al Ma'alat in the form of the bank continues to impose fines in the bank's internal system with the opportunity for customers to appeal the imposition of fines accompanied by evidence of force majeure faced with a certain period of time. The principle of I'tibar Al Ma'alat provides a solution that is more valuable, just and beneficial in accordance with the objectives of Maqashid Sharia.
Asuransi Jiwa Perspektif QS. An-Nisa : 9 (Analisis Ma’na Cum Maghza) Chindya Pratisti Puspa Devi
Sharef: Journal of Sharia Economics and Finance Vol 3 No 2 (2025): Journal of Sharia Economics and Finance Vol. 3 No. 2 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jsef.v3i2.1458

Abstract

Manfaat Asuransi sangat diperlukan dalam memitigasi potensi kerugian keuangan keluarga dan juga merencanakan asset yang akan ditinggalkan bila terjadi risiko. Saat ini masih belum adanya kejelasan mengenai posisi manfaat asuransi dalam harta waris, terutama manfaat santunan meninggal dunia. Penelitian ini ditulis menggunakan pendekatan kualitatif dengan menggunakan sumber sumber data kualitatif. Data primer atau objek material dalam penelitian ini adalah kitab suci Al-Qur’an yaitu QS. An-Nisa ayat 9 serta literatur yang terkait dengan analisis Makna cum Magza. Pendekatan ma‘nā-cum-maghzā adalah metode yang berfokus pada upaya menggali atau merekonstruksi makna serta pesan utama historis dari sebuah teks. Berdasarkan aplikasi dari teori ma’na-cum-maghza, pada Qs. An-Nisa Ayat 9 didapatkan kesimpulan bahwa adanya alternatif sumber kekayaan dari orang tua yang meninggal berupa klaim asuransi jiwa ini, akan menciptakan rasa aman dan tenang bagi anak-anak atau keluarga yang ditinggal. Asuransi jiwa sangat dianjurkan sebagai bentuk penjagaan dan pemberian rasa aman dan sejahtera bagi anak atau keluarga dimasa mendatang khususnya setelah orang tuanya meninggal. Dengan begitu, orang tua pun sudah meringankan beban anak di masa depan. Manfaat dari asuransi jiwa telah selaras dengan Qs. An-Nisa ayat 9 dengan pendekatan ma’na-cum-maghza
Integrating Islamic Ethical Principles into Early Childhood Education Governance: A Case Study of PIAUD Institutions in Indonesia Ahmad Syukron; Syafruddin; Ahmad Paridi; Chindya Pratisti Puspa Devi; Hilman Mi'roji
Progresiva : Jurnal Pemikiran dan Pendidikan Islam Vol. 14 No. 01 (2025): January-June
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/progresiva.v14i02.42315

Abstract

This study examines the implementation of good governance in Early Childhood Education (ECE) institutions, with a particular focus on Islamic Early Childhood Education (PIAUD) in Indonesia. ECE is a critical stage in shaping children’s holistic development, and its sustainability is not only determined by learning programs but also by effective governance systems. The research employed a qualitative case study approach, involving 12 institutions in West Java selected based on operational maturity, organizational structure, and management diversity. Data were collected through in-depth interviews, participant observation, and document analysis, and validated through triangulation and member checking. The findings reveal that transparency is the most challenging governance principle, especially in financial management, while accountability in learning quality and parental involvement show stronger outcomes. Stakeholder participation highlights the active role of parents, teachers, and foundations, although community and government engagement remain limited. Efficiency in managing time and facilities is relatively good, but human resource management requires significant improvement. Importantly, the integration of Islamic values such as amanah (trust), ‘adl (justice), and syura (consultation) enriches governance practices and enhances institutional integrity. The study contributes to both theory and practice by offering an integrated governance model that combines universal principles with Islamic values, providing a moral-spiritual framework for strengthening leadership, accountability, and sustainability in ECE institutions. The findings have practical implications for policymakers and practitioners in designing governance strategies that are both contextually relevant and ethically grounded.
Co-Authors Ahmad Paridi Ahmad Syukron Aminuddin Hilman Mi'roji Syafruddin