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Implementation of the Qardh Agreement on the Financial Technology Lending Platform in the Development of Small and Medium Enterprises (SME) in Indonesia Firdaus, Muhammad Irkham; Tifani, M. Akhlis Azamuddin; Putri, Sri Firda Rahmi Aliya; Zulfikri, Zulfikri
AL- IKTISAB Journal of Islamic Economic Law Vol 6 No 1 (2022)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v6i1.7774

Financial technology is a new financial innovation that has an important role in the development of the national economy. The convenience offered is the main attraction among the people. besides that it also has a very high impact on the development of Small and Medium Enterprises (SME). However, the system applied is the same as the conventional financial system, such as the interest system on online loans. Although innovative and helpful, the interest system applied is the same as a loan from a loan shark, where the interest given is very burdensome. So in this study, we discuss the implementation of qardh contracts on the financial technology lending platform, and how it affects the development of SME. This type of research is library research, which is research conducted by collecting data from various literature books, journals, website writings, magazines, laws, fatwas, or from various writings. The approach used in this research is qualitative, where the research procedure uses descriptive data in the form of written words. The researcher will explain the terms and elements that must be met in implementing the qardh contract on the peer to peer lending platform. The result is, the implementation of qardh contracts on financial technology lending platforms should avoid the various elements namely riba, gharar, maysir, tadlis, dharar, zhulm, and haram. If in practice all these elements are avoided, it will facilitate all actors of SME. Where the perpetrator will not be stuck in huge debt because of interest, and avoid ambiguity and fraud that will be to the detriment of one party. In addition, the existence of the qardh contract based financial technology loan platform will make it easier for SME actors to obtain loans or capital to develop their SME.Financial technology (fintech) merupakan inovasi keuangan baru yang memiliki peran penting dalam pembangunan perekonomian nasional. Kenyamanan yang ditawarkan menjadi daya tarik tersendiri bagi masyarakat. selain itu juga berdampak sangat tinggi terhadap perkembangan Usaha Kecil Menengah (UKM). Namun sistem yang diterapkan sama dengan sistem keuangan konvensional, seperti sistem bunga pinjaman online. Meski inovatif dan membantu, sistem bunga yang diterapkan sama seperti pinjaman dari rentenir, di mana bunga yang diberikan sangat memberatkan. Maka dalam penelitian ini, kami membahas implementasi akad qardh pada platform fintech lending, dan bagaimana pengaruhnya terhadap perkembangan UKM. Jenis penelitian ini adalah penelitian kepustakaan, yaitu penelitian yang dilakukan dengan mengumpulkan data dari berbagai literatur buku, jurnal, tulisan website, majalah, undang-undang, fatwa, atau dari berbagai tulisan. Pendekatan yang digunakan dalam penelitian ini adalah kualitatif, dimana prosedur penelitian menggunakan data deskriptif berupa kata-kata tertulis. Peneliti akan menjelaskan syarat dan unsur yang harus dipenuhi dalam pelaksanaan akad qardh pada platform peer to peer lending. Hasilnya, pelaksanaan akad qardh pada platform fintech lending harus menghindari berbagai unsur yakni riba, gharar, maysir, tadlis, dharar, zhulm, dan haram. Jika dalam praktiknya semua elemen tersebut dihindari, maka akan memudahkan semua pelaku UKM. Di mana pelaku tidak akan terjerat hutang yang besar karena bunga, serta terhindar dari kerancuan dan penipuan yang akan merugikan salah satu pihak. Selain itu, dengan adanya platform pinjaman fintech berbasis akad qardh akan semakin memudahkan para pelaku UKM untuk mendapatkan pinjaman atau modal untuk mengembangkan UKM-nya.

Implementasi Konsep Final Spending Monzer Kahf dalam Meningkatkan Pendapatan Nasional Firdaus, Muhammad Irkham; Pradhana, Theo Aditya; Alafianta, Novan Fatchu; Tifani, M. Akhlis Azamuddin; Aziz, Muhammad Abdul
MUSLIM HERITAGE Vol 8 No 2 (2023): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v8i2.5016

AbstractThe benchmark for improving a country's economy is determined by the amount of national income generated from various sectors. National income is influenced by several factors, namely aggregate demand and supply, investment, consumption, and savings. In order to increase the national income of a country, new instruments are needed in the economic system. The Final spending Monzer Kahf concept offers a new policy that connects factors that affect national income with zakat, infaq, and shadaqah instruments. This study aims to link the concept of Monzer Kahf's final spending with an increase in state income. This type of research is Library Research, where the data sources are taken from books, journal articles, and other documentation. While the method used is a qualitative descriptive method. The results of this study are that the concept of final spending by Monzer Kahf is the final expenditure for a Muslim consumer, spending on needs that are in accordance with maslahah and the obligation to pay zakat-infaq for mustahik zakat. Because with zakat, public consumption will increase, this is because the muzakki will help the needy and poor in meeting their needs, so that it will affect supply and demand, which will also increase national income in a country. AbstrakTolak ukur peningkatan perekonomian suatu negara ditentukan oleh jumlah pendapatan nasional yang dihasilkan dari berbagai sektor. Pendapatan nasional dipengaruhi oleh beberapa faktor, yaitu permintaan dan penawaran agregate, investasi, konsumsi, dan tabungan. Guna meningkatkan pendapatan nasional sebuah negara, maka diperlukan instrumen baru dalam sistem perekonomian. Konsep Final spending Monzer Kahf menawarkan kebijakan baru yang menghubungkan faktor-faktor yang mempengaruhi pendapatan nasional dengan instrumen zakat, infak, dan shadaqah. Penelitian ini bertujuan untuk menghubungkan kosep final spending Monzer Kahf dengan peningkatan pendapatan negara. Jenis penelitian ini adalah Library Research, dimana sumber data yang diambil dari buku, artikel jurnal, dan dokumentasi yang lainnya. Sedangkan metode yang digunakan adalah metode disktiptif kualitatif. Hasil dari penelitian ini adalah bahwa konsep final spending Monzer Kahf adalah pembelanjaan akhir bagi seorang konsumen Muslim, pembelanjaan kebutuhan yang sesuai dengan maslahah dan kewajiban membayar zakat-infak bagi para mustahik zakat. Karena dengan adanya zakat, konsumsi masyarakat akan meningkat, hal ini disebabkan oleh para muzakki akan membantu fakir dan miskin dalam memenuhi kebutuhan, sehingga hal tersebut akan mempengaruhi permintaan dan penawaran, yang sekaligus akan menambah pendapatan nasional dalam suatu negara.

Implementasi Konsep Final Spending Monzer Kahf dalam Meningkatkan Pendapatan Nasional Firdaus, Muhammad Irkham; Pradhana, Theo Aditya; Alafianta, Novan Fatchu; Tifani, M. Akhlis Azamuddin; Aziz, Muhammad Abdul
MUSLIM HERITAGE Vol 8 No 2 (2023): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v8i2.5016

AbstractThe benchmark for improving a country's economy is determined by the amount of national income generated from various sectors. National income is influenced by several factors, namely aggregate demand and supply, investment, consumption, and savings. In order to increase the national income of a country, new instruments are needed in the economic system. The Final spending Monzer Kahf concept offers a new policy that connects factors that affect national income with zakat, infaq, and shadaqah instruments. This study aims to link the concept of Monzer Kahf's final spending with an increase in state income. This type of research is Library Research, where the data sources are taken from books, journal articles, and other documentation. While the method used is a qualitative descriptive method. The results of this study are that the concept of final spending by Monzer Kahf is the final expenditure for a Muslim consumer, spending on needs that are in accordance with maslahah and the obligation to pay zakat-infaq for mustahik zakat. Because with zakat, public consumption will increase, this is because the muzakki will help the needy and poor in meeting their needs, so that it will affect supply and demand, which will also increase national income in a country. AbstrakTolak ukur peningkatan perekonomian suatu negara ditentukan oleh jumlah pendapatan nasional yang dihasilkan dari berbagai sektor. Pendapatan nasional dipengaruhi oleh beberapa faktor, yaitu permintaan dan penawaran agregate, investasi, konsumsi, dan tabungan. Guna meningkatkan pendapatan nasional sebuah negara, maka diperlukan instrumen baru dalam sistem perekonomian. Konsep Final spending Monzer Kahf menawarkan kebijakan baru yang menghubungkan faktor-faktor yang mempengaruhi pendapatan nasional dengan instrumen zakat, infak, dan shadaqah. Penelitian ini bertujuan untuk menghubungkan kosep final spending Monzer Kahf dengan peningkatan pendapatan negara. Jenis penelitian ini adalah Library Research, dimana sumber data yang diambil dari buku, artikel jurnal, dan dokumentasi yang lainnya. Sedangkan metode yang digunakan adalah metode disktiptif kualitatif. Hasil dari penelitian ini adalah bahwa konsep final spending Monzer Kahf adalah pembelanjaan akhir bagi seorang konsumen Muslim, pembelanjaan kebutuhan yang sesuai dengan maslahah dan kewajiban membayar zakat-infak bagi para mustahik zakat. Karena dengan adanya zakat, konsumsi masyarakat akan meningkat, hal ini disebabkan oleh para muzakki akan membantu fakir dan miskin dalam memenuhi kebutuhan, sehingga hal tersebut akan mempengaruhi permintaan dan penawaran, yang sekaligus akan menambah pendapatan nasional dalam suatu negara.

Metode Cerita dan Menyanyi sebagai Pembelajaran Ibadah Amaliyah di TPA Al Barokah Siman Ponorogo Kurniawan, Bekti Galih; Muslih, Mohammad Kholid; Al Manaanu, Yusuf; Tifani, M. Akhlis Azamuddin; Arif, Achmad
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 5, No 1 (2025): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i1.1193

The proficiency in practical worship (ibadah amaliyah) encompasses the understanding and implementation of worship according to the teachings of the Qur'an and Hadith. In practice, this method faces several challenges, such as difficulties in crafting relevant story materials, effectively combining storytelling and singing, and addressing the varying abilities of children to understand and memorize worship content. This community service is carried out through partner analysis, socialization, and the implementation of activities in three stages (preparation, core implementation, and evaluation), followed by program evaluation. The results indicate that the storytelling and singing method is effective in enhancing children's understanding and memorization of prayers and worship procedures. The children became more enthusiastic and focused during the lessons, and they were able to better memorize prayers and understand the steps of worship. The program evaluation also revealed positive impacts on teaching in TPA (Taman Pendidikan Al-Qur'an), as well as increased motivation for children to perform worship at home. This community service contributes to the development of enjoyable and effective religious learning methods that can be applied in other TPAs to improve children's proficiency in practical worship.ABSTRAKKecakapan ibadah amaliyah meliputi pemahaman dan pelaksanaan ibadah sesuai dengan ajaran Al-Qur'an dan Hadis. Dalam praktiknya, metode ini menghadapi beberapa tantangan, seperti kesulitan dalam menyusun materi cerita yang relevan, mengkombinasikan cerita dan menyanyi secara efektif, serta mengatasi perbedaan kemampuan anak dalam memahami dan menghafal materi ibadah. Pengabdian ini dilaksanakan melalui analisis mitra, sosialisasi, pelaksanaan kegiatan dalam tiga tahap (persiapan, pelaksanaan inti, dan evaluasi), serta evaluasi program. Hasilnya menunjukkan bahwa metode cerita dan menyanyi efektif dalam meningkatkan pemahaman dan hafalan doa serta tata cara ibadah pada anak-anak. Anak-anak menjadi lebih antusias dan fokus selama pembelajaran, dan mereka dapat menghafal doa serta mengerti langkah-langkah ibadah dengan lebih baik. Evaluasi program juga mengungkapkan dampak positif terhadap pengajaran di TPA, serta peningkatan motivasi anak untuk beribadah di rumah. Pengabdian masyarakat ini memberikan kontribusi dalam pengembangan metode pembelajaran agama yang menyenangkan dan efektif, yang dapat diterapkan di TPA lain untuk meningkatkan kecakapan ibadah amaliyah anak-anak.

Pendampingan Pembelajaran Ibadah Amaliyah Siswa SDN 2 Wates Kecamatan Slahung Ponorogo Tifani, M. Akhlis Azamuddin; Kholilullah, Abdul Aziz; Wuran, Affan Mahatma; Zarkasyi, Azmi; Gunawan, Sahrul; Abdillah, Rizali; Kamil, Achmad Fauzan; Prayogi, Dwiki Agung; Yanuaryogi, Muhammad; Sasongko, Yogi Banar
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 5, No 3 (2025): Abdira, Juli
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v5i3.637

Learning religious practices is an important part of Islamic religious education that functions to shape students' religious character from an early age. However, its implementation in elementary schools still faces various obstacles, such as low student understanding, lack of teacher guidance, and less interesting learning methods. This community service program was implemented at SDN 2 Wates by nine students of Darussalam Gontor University from various study programs with the aim of improving students' understanding and skills in practicing religious practices. The activity method includes three stages, namely: (1) preparation through partner coordination, preparation of pre-tests, and teaching materials; (2) implementation with a participatory approach and direct practice adjusted to student competencies; and (3) evaluation through observation, questionnaires, and post-tests. The results of the program showed an increase in students' understanding of the procedures for worship and a growing awareness of the importance of worship in everyday life. This activity shows that an interactive and collaborative approach is effective in improving the quality of learning religious practices at the elementary level.

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