Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal International Journal of Science and Society (IJSOC) Jurnal Riset Multidisiplin Edukasi
Nurhaeti
Unknown Affiliation
Materials Science & Nanotechnology Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Implementation of the Compilation of Islamic Economic Law in Sharia Pawn in Indonesia Setiawan, Iwan; Rusmani; Nurhaeti
International Journal of Science and Society Vol 5 No 4 (2023): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v5i4.1349

Abstract

Sharia Pawnshops in Indonesia manage sharia pawn businesses at both central and regional levels, guided by a Sharia Supervisory Board. Their services and human resources are optimized to achieve company goals. The products offered include Rahn Hasan, Rahn Flexi, Rahn Bisnis, Amanah vehicle installments, Arrum BPKB, Arrum Emas, Arrum Hajj, and Sharia Gold Installments. In a sharia pawn contract, items serve as collateral for loans, with maintenance and storage being the responsibility of the debtor (rahin). The costs for maintenance are determined by an ijarah contract, distinguishing sharia pawns from conventional ones. Development efforts include creating digital applications to compete with fintech. To attract millennials, Pegadaian Syariah enhances its promotional strategies on social media. Employees must have technical and general knowledge about sharia pawnshops and their products. Collaborating with fintech companies benefits both pawnshops and customers. The implementation of KHES in Sharia Pawnshops encompasses contracts, harmony, conditions, and operational mechanisms.
Analisis Sistem Pembukaan Rekening Tabungan Mudharabah di Bank Jabar Banten (BJB) Syariah Asya Nurbayani Gumilar; Iwan Setiawan; Rahayu Kusumadewi; Nurhaeti
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 4 (2026): Jurnal Riset Multidisiplin Edukasi (April 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i4.1797

Abstract

This study aims to analyze the Mudharabah savings account opening system at Bank Jabar Banten (BJB) Syariah from the perspective of sharia compliance, efficient procedures, and readiness for digitalization services. The method used was a qualitative approach through literature review and direct observation during Field Work Practice (PKL) activities at BJB Syariah. Data were obtained through observation, interviews with bank employees, and discussions with customers. The results indicate that the account opening process complies with sharia principles and the provisions of the DSN-MUI fatwa, particularly in terms of contract disclosure and profit-sharing ratio determination. However, several obstacles were identified, such as a lack of customer understanding of the Mudharabah contract, lengthy administrative procedures, and the suboptimal implementation of account opening digitalization. Therefore, increased sharia education for customers, simplification of administrative procedures, and strengthening of digital services are needed to enhance BJB Syariah's efficiency and competitiveness in the modern banking era.
Co-Authors Asya Nurbayani Gumilar Iwan Setiawan Iwan Setiawan Rahayu Kusumadewi Rusmani