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All Journal QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Al-Iftah: Journal of Islamic studies and society Jurnal Kajian Ekonomi dan Perbankan Syariah
Muhsin, Syamsiah
Unknown Affiliation
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Implementation of Hybryd Contracts in MULIA Financing Transactions at Sharia Pawnshop Muhsin, Syamsiah; Masse, Rahman Ambo
Al-Iftah: Journal of Islamic studies and society Vol 1 No 1 (2020): Al-Iftah: Journal of Islamic studies and society
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (203.544 KB)

Abstract

This study discusses the implementation of hybrid contract in MULIA financing transactions at Sharia Pawnshop service unit, Pangkajene branch. The contract uses murabahah and Rahn contract. In this study also examined the prospects of the MULIA product marketing efforts and the challenges faced in increasing the number of customer transactions. The type of research used in this thesis is the kind of descriptive research-qualitative, is the plan and structure of the inquiry for answers to questions of researchers in the form of descriptive data are obtained from the results of the in-depth interviews with the informant, observations and collect and analyze data in the form of the document and then do some checking of data with the technique of triangulation. The result of this study found some results that Sharia Pawnshop service unit, Pangkajene branch has implemented with either some provision in the MULIA transaction in accordance with the fatwa but some other of fatwa not implemented yet, for example in terms of the object of the contract should be the property of the Sharia Pawnshop before selling it to the customer also about provisions dealing with procedures using two contracts in one transaction.
Optimizing Social Media Usage for Community Education and Islamic Financial Literacy Development at Islamic Banking Schools Muhsin, Syamsiah; Hasmawati, Hasmawati; Novianti, Dian; Nursyamsiah, Nursyamsiah; Ahmad, Nur Annida
QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Vol. 17 No. 2 (2025)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Program Pascasarjana IAI Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/qalamuna.v17i2.7664

Abstract

This study examines the effect of optimizing social media usage on community education and its impact on enhancing Islamic financial literacy among students at Islamic Banking Schools. Social media optimization is considered a strategic tool for disseminating financial knowledge and promoting Islamic values that align with the needs of younger generations. The research employed a quantitative approach using Structural Equation Modeling (SEM). Data were collected through surveys administered to 93 purposively sampled students from Islamic Higher Education Institutions in South Sulawesi. The results reveal that social media optimization has a significant positive effect on community education. Furthermore, community education is important in improving students’ Islamic financial literacy. Another key finding indicates that community education partially mediates the relationship between social media optimization and Islamic financial literacy. In conclusion, the study highlights the importance of integrating well-managed social media platforms with structured educational programs to strengthen Islamic financial literacy in academic environments. Practical recommendations suggest that Islamic Banking Schools should invest in developing interactive and culturally relevant digital content, while also enhancing the capacity of educators and media managers to maximize engagement and ensure effective knowledge dissemination.
Peluang dan Tantangan Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) dalam Perspektif Ekonomi Islam Muhsin, Syamsiah
Jurnal Kajian Ekonomi dan Perbankan Syariah Vol 1 No 2 (2022): Jurnal Kajian Ekonomi dan Perbankan Syariah
Publisher : Institut Agama Islam DDI Polewali Mandar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36915/jurnalkajianekonomidanperbankansyariah.v1i2.195

Abstract

Sektor ekonomi menjadi penopang yang sangat penting di era globalisasi. Usaha Mikro Kecil dan Menengah (UMKM) menjadi salah satu upaya yang dilakukan masyarakat untuk ikut berperan serta dalam pembangunan. UMKM bertumbuh pesat, mendominasi dan menjadi pelaku utama dalam peningkatan ekonomi negara saat ini. Penelitian ini merupakan penelitian deskriptif kualitatif menggunakan pendekatan riset kepustakaan. Sumber data dalam penelitian ini adalah sumber data primer dan sekunder. Tehnik pengumpulan data dengan pencarian kata kunci, pencarian subyek dan dari artikel ilmiah terkini.Hasil penelitian ditemukan bahwa: (1) Perkembangan UMKM tidak luput dari tantangan yang mendesak untuk ditemukan jalan keluarnya, diantaranya masalah sumber daya manusia, manajerial, monitoring dan evaluasi, trust, dan permodalan. (2) Perspektif Ekonomi Islam terhadap UMKM sangat sesuai dengan apa yang diperintahkan oleh ajaran agama. Pelaku UMKM dalam aktivitas ekonominya seharusnya selalu menerapkan prinsip kehalalan, kerelaan, kejujuran, ketuhanan dan akhlakul karimah dalam  proses produksi, konsumsi dan distribusinya
Co-Authors Ahmad, Nur Annida H Hasmawati Novianti, Dian Nursyamsiah, Nursyamsiah Rahman Ambo Masse