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All Journal Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan Referensi Islamika: Jurnal Studi Islam
Aulia Nur Irsha
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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Penerapan kaidah al-rukhshah la tunatu bil ma'ashi pada akad qardh Aulia Nur Irsha
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 2 No 9 (2024): Special Issue: Islamic Legal Maxim on Islamic Finance
Publisher : IAIN Parepare

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Abstract

Penerapan Kaidah Al-Rukhshah La Tunatu Bil Ma'ashi pada akad Qardh contohnya seseorang yang membutuhkan modal untuk menjalankan usaha tetapi kesulitan karena dana yang dimilikinya belum mencukupi. Maka dia dapat menggunakan akad qardh (pinjaman tanpa bunga) yang diberikan oleh lembaga keuangan syariah. Lembaga keuangan syariah harus memastikan bahwa pinjaman yg akan diberikan untuk menjalankan usaha yang sah dan halal. Namun apabila usaha yang akan dia jalankan dilarang dalam islam (seperti membuka diskotik, menjual minuman beralkohol, ataupun menjual chip judi online) maka dia tidak boleh diberikan pinjaman tanpa bunga (qardh) karena usaha yang dilakukan termasuk maksiat. Lembaga keuangan syariah dapat meminta surat izin usaha yang akan dijalankan, lembaga keuangan dapat menelaah jenis usaha nasabah secara detail dan memastikan tidak termasuk dalam kategori haram, dan melakukan kunjungan ke lokasi usaha untuk memastikan pinjaman digunakan sesuai dengan kesepakatan.
FAITH IN THE MARKETPLACE: HOW AMANAH SHAPES SOCIAL TRUST AND CONSUMER LOYALTY AMONG MUSLIM SMES IN INDONESIA Besse Faradiba; Ida Ilmiah Mursidin; Damirah; Aulia Nur Irsha
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 2 (2026): APRIL
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i2.564

Abstract

This study aims to analyze the sociological role of Amanah (trustworthiness) as a spiritual-social foundation in Islamic SMEs and how it bridges the gap between formal management strategies, product quality, and consumer loyalty. It specifically investigates the potential paradox where religious ethics might interact unpredictably with modern management practices. A quantitative approach was employed utilizing Partial Least Squares-Structural Equation Modeling (PLS-SEM) through SmartPLS 4.0. Data were gathered via a structured survey involving 313 respondents, comprising active consumers and business practitioners of Islamic SMEs in Makassar, Indonesia. The results reveal that while management strategy and product quality significantly and positively influence loyalty, a striking paradox emerges: Amanah shows a significant negative moderation effect on the relationship between management strategy and consumer loyalty. This suggests that over-reliance on formal management may diminish the organic trust-building power of religious ethics. However, Amanah remains a full mediator that converts product quality into long-term loyalty. The findings suggest that "success" in Islamic business is not a simple linear integration of modern and traditional values. While formal management is essential, the traditional-religious value of Amanah constitutes a distinct form of social capital that can be stifled by excessive formalization. Practitioners must balance professional systems with authentic spiritual integrity to stabilize market relations. This study contributes to Islamic economic literature by empirically uncovering the "tension" between religious integrity and formal business strategy. It offers a new integrative framework that challenges the assumption that religious ethics and modern management always work in perfect harmony.  
Co-Authors Damirah Ida Ilmiah Mursidin M.M, Besse Faradiba