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All Journal IQRO: Journal of Islamic Education Jurnal Penkomi : Kajian Pendidikan dan Ekonomi International Journal of Community Service (IJCS)
Fatimah, Emi Sri Rahayu
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Penerapan Akad Musyarakah Mutanaqisyah Sebagai Alternatif Solusi Pembiayaan KPR Dalam Perbankan Syariah Fatimah, Emi Sri Rahayu; Sapa, Nasrullah bin; Wijaya, Abdi
IQRO: Journal of Islamic Education Vol. 6 No. 2 (2023): DESEMBER 2023
Publisher : Prodi Pendidikan Agama Islam FTIK IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/iqro.v6i2.4752

Abstract

This article discusses the application of musyarakah mutanaqisyah related to KPR (Home Ownership Credit) financing in the sharia banking system. The purpose of this article is to provide an overview of the application of the musyarakah mutanaqisyah contract as an alternative KPR (Home Ownership Credit) financing solution in sharia banking. Apart from that, this article also analyzes the obstacles in implementing musyarakah mutanaqishah contracts on KPR (Home Ownership Credit) in sharia banking. The research method used is the library research method or library study. Literature studies are devoted to revealing information sourced from scientific texts originating from books or scientific journals that are relevant to the topic being discussed. The research results obtained show that the application of the musyarakah mutanaqishah contract in mortgage financing in sharia banking has several advantages as an alternative solution in sharia financing, namely where the bank and the customer both own an asset that is the object of the agreement. Because they have mutual rights to do so, banks and customers mutually maintain the agreed cooperation.
Konsep Ekonomi Islam Versi Al-Mawardi dan Al-Ghazali fatimah, emi sri rahayu; Masse, Rahman Ambo; Kara, Muslimin
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 7 No 2 (2024): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v7i2.2199

Abstract

ABSTRACT This article discusses the concepts of Islamic economic thought according to Al-Mawardi and Al-Ghazali. The purpose of this article is to study the economic thinking of Muslim scholars who lived during the Abbasid dynasty, namely Al-Mawardi and al-Ghazali. The research method used in writing this article is literature review. Literature reviews are used to analyze previous research related to the topic in this article. The research results obtained show that Al-Mawardi and Al-Ghazali through their thinking have studied Islamic economics comprehensively by showing that Al-Mawardi's thoughts about the state and economic activity, the concept of public loans, taxation, the urgency of state financial institutions (baitul maal), and the concept of justice is still very relevant in the current context.Then, Al-Ghazali's economic analysis focuses on a number of topics, such as the development of trade and markets, production, barter, and money, and the role of government and public finance. Meanwhile, Al-Ghazali's economic theory begins with the idea of maslahah which covers all human endeavors and establishes strong ties between humans and society.
Smartpreneur 5.0: Building a Digital Generation with an Islamic Entrepreneurial Spirit Among the Youth of PERMAI Malaysia K, M. Yusuf; Alam, Syamsu; Rahmah, Syahidah; Wahyuni, Sri; Fatimah, Emi Sri Rahayu
International Journal of Community Service (IJCS) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i2.1553

Abstract

Smartpreneur 5.0 Programme: Building a Digital Generation with an Islamic Entrepreneurial Spirit the PERMAI Malaysia Youth Generation was implemented as an effort to improve digital-based entrepreneurial literacy based on sharia values. This activity was designed through stages of preparation, material delivery, workshops, and evaluation with a participatory approach. The evaluation, which used pre-tests and post-tests, showed a significant increase in participants' understanding of five key indicators, namely the basics of Islamic entrepreneurship, digital business concepts, digital marketing strategies, Islamic financial management, and digital business idea design. These results demonstrate the effectiveness of the training methods in strengthening the digital entrepreneurship understanding and skills of the younger generation. In addition to increasing knowledge, this activity also produced several important outputs, including training modules as learning references, innovative digital-based Islamic business idea designs, participants' digital business accounts as real implementations, and activity documentation that can be used as a reference for similar programmes in the future. Furthermore, the impact of the activity did not stop at the cognitive aspect, but also touched on the character dimension, namely shaping a creative, innovative entrepreneurial spirit based on Islamic ethics. Thus, Smartpreneur 5.0 succeeded in achieving its planned objectives while making a real contribution to producing a highly competitive young generation with a strong spiritual foundation
Co-Authors Abdi Wijaya, Abdi K, M. Yusuf Muslimin Kara Rahmah, Syahidah Rahman Ambo Masse Sapa, Nasrullah Bin Sri Wahyuni SYAMSU ALAM