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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Community Development Journal: Jurnal Pengabdian Masyarakat Economic Reviews Journal As-Syirkah: Islamic Economic & Financial Journal
Ansori, Moh. Asep Zakariya
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Public Health Social Sciences Other

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Implementasi Multi Akad Dalam Transaksi Ekonomi Syariah Setiadi, Setiadi; Hidayat, Asep Dadang; Ansori, Moh. Asep Zakariya; Athoillah, Mohamad Anton
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i2.3635

Abstract

The renewal of muamalah contracts is very important for the development of more dynamic, progressive and innovative Islamic banking products, so that they can compete with existing conventional banking products. The purpose of this study was to examine the legal basis and design of these multiple contracts and their application in Islamic banking products. The method used in this research is library research. with research. The results of this study are that one of the constructive efforts that is very helpful in developing Islamic banking products is al-jam'u bainal uqud/multi contract, this is a new contract that has never been discussed in classical fiqh books. Scholars allow these multiple contracts as long as they do not violate Islamic principles and values ​​because the purpose of the contracts is to clarify rights and obligations and avoid tyranny that leads to the benefit of humans in this world and the hereafter. Multi contracts in musyarakah mutanaqishah products, namely, syirkah, ijarah, and buying and selling, these contracts form one product, in ijarah Muntiyah bit-tamlik, namely wa'd contracts (promises), ijarah and buying and selling also form one product. These contracts become integrated or there is ta'alluq or attachment and linkages between contracts. Keywords: Multi Contract, Musyarakah Mutanaqisah, Ijarah Muntakiya Bit-Tamlik
Interpretasi Ulama tentang Signifikansi Konsep Wakaf Uang dalam Peningkatan Kesejahteraan Sosial Ansori, Moh. Asep Zakariya; Sukendar, Egi Agustian Rahmat; Shelvira, Ersa Morita; Assyfa Ridzki Indirasari; Muhammad Azril Pebriansyah; Tirta Saepul Bahri
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.133

Abstract

Cash waqf is waqf in the form of cash that can be utilized to improve the social welfare of the community. This concept has not been widely interpreted by scholars, so its significance in improving social welfare has also not been widely studied. This study uses a qualitative method with an interpretive approach. Data were analyzed using content analysis techniques to interpret scholars' understanding of the concept and significance of cash waqf. The research results show that scholars have diverse interpretations regarding the concept of cash waqf (endowment). Most scholars understand cash waqf as a form of flexibility in waqf to increase social and economic benefits for the Muslim community. The scholars also agree that cash waqf is significant for improving social welfare by expanding the scope of welfare programs that can be funded.
PENGUATAN AKAD SYARIAH PADA KOPERASI PONDOK PESANTREN UMMUL QURO AL-ISLAMI UNTUK MEMPERKUAT KEPATUHAN SYARIAH DAN MENINGKATKAN K EPERCAYAAN MASYARAKAT MELALUI PENYUSUNAN PEDOMAN AKAD SYARIAH Ansori, Moh. Asep Zakariya; Salsa, Siti Rantiana; Qudsi, Haziratul
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2024): Volume 5 No. 3 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i3.30226

Abstract

Penerapan akad-akad sesuai prinsip syariah merupakan aspek krusial dalam operasional koperasi syariah. Kegiatan ini bertujuan memperkuat kepatuhan syariah dan meningkatkan kepercayaan masyarakat terhadap Koperasi Pondok Pesantren Ummul Quro Al-Islami melalui penyusunan pedoman akad syariah. Metode Penelitian Tindakan Partisipatif (PTP) atau Participatory Action Research (PAR) diterapkan dengan melibatkan partisipasi aktif tim pengabdian, pengurus koperasi, anggota koperasi, dan pemangku kepentingan lainnya. Kolaborasi dilakukan dalam mengidentifikasi permasalahan, merumuskan solusi, dan mengimplementasikan solusi melalui proses siklikal perencanaan, tindakan, observasi, dan refleksi. Kegiatan meliputi penyusunan pedoman akad syariah, sosialisasi dan pelatihan, penerapan di lapangan, serta evaluasi dan perbaikan secara berkelanjutan. Hasil kegiatan menunjukkan bahwa penyusunan pedoman akad syariah cukup berhasil dalam mencapai tujuan, namun terdapat kendala dalam proses sosialisasi, pelatihan, dan penerapan di lapangan. Rekomendasi diberikan untuk meningkatkan keberhasilan program, seperti pelibatan lebih banyak pihak, penyesuaian metode sosialisasi dan pelatihan, pembentukan tim khusus pengawasan dan evaluasi, pemberian insentif dan sanksi, kerjasama dengan lembaga terkait, serta refreshment secara berkala.
Tinjauan Akad Muamalah dalam Pelaksanaan Transaksi Pre-Order: Studi Kasus HIMMPRO Ekonomi Syari’ah Febi Iuqi Bogor Ansori, Moh. Asep Zakariya; Husenudin , Abdul; Fauziah, Siti; Istiana, Nurkhopipah; Maulidi, Muhamad Padlan
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 1 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/

Abstract

The development of technology and digital trading systems has given rise to various new forms of transactions in muamalah activities, one of which is the pre-order system. This transaction practice is widely applied in economic activities, including in student organizations. This study aims to analyze the pre-order transaction practices carried out by the Islamic Economics Student Association (HIMMPRO) of the Faculty of Economics and Business (FEBI IUQI) Bogor and review its compliance with the principles of muamalah contracts from an Islamic jurisprudence perspective. This study uses a descriptive qualitative method with a case study approach. Data collection techniques were carried out through interviews, observation, and documentation, using primary and secondary data sources. The results show that the pre-order transaction practices at HIMMPRO of Islamic Economics, FEBI IUQI Bogor, are carried out through a mechanism of ordering goods, paying a down payment (DP), the production process of goods, and settling the payment before delivery of the goods. Viewed from a muamalah jurisprudence perspective, this practice does not fulfill the provisions of the salam contract because payment is not made in full at the beginning of the contract. However, the pre-order transaction practice fulfills the pillars and requirements of the istishna contract, characterized by clear product specifications, agreed price, payment flexibility, and certainty of delivery time. Therefore, it can be concluded that the pre-order transaction practice implemented by HIMMPRO Sharia Economics FEBI IUQI Bogor is permissible (jaiz) according to sharia as long as it adheres to the principles of the istishna contract and maintains transparency and fairness in the transaction.
Pendistribusian Zakat Bagi Korban Bencana Alam di Sumatera dalam Kerangka Regulasi BAZNAS Ansori, Moh. Asep Zakariya; Husenudin, Abdul; Akmalia, Lili; Saputra, M Galih; Syalumita, Annisa
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 1 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/

Abstract

The distribution of zakat for disaster victims constitutes a strategic form of socio-religious intervention in addressing economic vulnerability and humanitarian crises. Sumatra, as a region with a high level of disaster risk, requires a zakat distribution mechanism that is not only responsive and timely, but also firmly grounded in regulatory policy and principles of sound zakat governance. This article aims to analyze the distribution of zakat for natural disaster victims in Sumatra within the regulatory framework of the National Zakat Board (BAZNAS), particularly referring to BAZNAS Regulation Number 3 of 2018 concerning Zakat Distribution and Utilization. This study employs a juridical-normative approach with a descriptive-analytical method through library research, examining the conformity between legal norms, policy implementation, and the effectiveness principles of zakat distribution. The findings indicate that, from a normative perspective, zakat distribution for disaster victims has obtained strong legal legitimacy, both through the classification of eligible beneficiaries (asnaf) and the designation of humanitarian assistance as a formal sector of zakat distribution. Nevertheless, at the level of implementation, several challenges remain, including limitations in beneficiary verification, inconsistencies in monitoring mechanisms, and variations in distribution effectiveness. This article underscores the importance of strengthening regulation-based zakat governance and effectiveness to ensure that zakat distribution for disaster victims is not only legally valid but also optimal in achieving broader social welfare objectives.
Membangun Kepercayaan Pengguna Melalui Transparansi Akad Syariah Sebagai Strategi Peningkatan Penggunaan Fintech Syariah Ansori, Moh. Asep Zakariya; Wahyudin, M. Wanri; Alawiah, Hanan; Syuardiansyah, Syahra Putri; Suhendri, Suhendri
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 1 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/

Abstract

The development of Islamic fintech in Indonesia faces user trust challenges despite offering financial services based on sharia principles. This research aims to analyze the influence of sharia contract transparency on user trust and its implications for increasing Islamic fintech usage. The research method employs a literature study with a qualitative approach, analyzing trusted journal articles using keywords "Islamic fintech", "sharia transparency", "user trust", and "sharia-based digital financial innovation". The research findings indicate that sharia contract transparency plays a crucial role in building user trust by providing clear information regarding contract types, transaction mechanisms, rights and obligations, as well as sharia legal foundations. Transparency is capable of reducing risk perception and uncertainty, while simultaneously increasing public sharia financial literacy. Trust functions as a mediating variable that bridges sharia principle transparency with the increase in Islamic fintech usage. This research affirms that contract transparency is not merely a normative obligation, but also an effective business strategy for building long-term relationships with users and strengthening the competitiveness of the Islamic finance industry. Practically, the research findings can serve as a reference for Islamic fintech providers in designing more transparent and accountable operational communication, as well as providing input for regulators in strengthening Islamic fintech governance in Indonesia.
Co-Authors Akmalia, Lili Alawiah, Hanan Assyfa Ridzki Indirasari Athoillah, Mohamad Anton Hidayat, Asep Dadang Husenudin , Abdul Husenudin, Abdul Istiana, Nurkhopipah Maulidi, Muhamad Padlan Muhammad Azril Pebriansyah Qudsi, Haziratul Salsa, Siti Rantiana Saputra, M Galih Setiadi Setiadi Shelvira, Ersa Morita Siti Fauziah Suhendri Suhendri Sukendar, Egi Agustian Rahmat Syalumita, Annisa Syuardiansyah, Syahra Putri Tirta Saepul Bahri Wahyudin, M. Wanri