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All Journal Jurnal Asy-Syari'ah Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Maqasid: Jurnal Studi Hukum Islam Pagaruyuang Law Journal KASBANA : Jurnal Hukum Ekonomi Syariah Al-Manahij : Jurnal Kajian Hukum Islam Khuluqiyya: Jurnal Kajian Hukum dan Studi Islam Journal of Pharmaceutical and Sciences. Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Shahih : journal of islamicate multidisciplinary Singkite Journal
Musanna, Khadijatul
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Analisis Efektifitas Qanun Nomor 11 Tahun 2018 Tentang Perbankan Di Aceh Tudini, Maiyuna; Musanna, Khadijatul; Fitri, Aulia
Khuluqiyya: Jurnal Kajian Hukum dan Studi Islam Vol. 7 No. 1 (2025)
Publisher : Sekolah Tinggi Agama Islam Al-Hikmah 2

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56593/khuluqiyya.v7i1.169

Abstract

This study was conducted to examine the extent to which Qanun No. 11 of 2018 on Sharia Financial Institutions in Aceh has been implemented. Under this qanun, all financial institutions operating in Aceh are required to fully implement a sharia-based financial system. This study was conducted using a qualitative method with a literature review approach. This was done by reading and comparing various existing written sources, such as government reports, other people's research results, local media reports, and scientific papers. From the results obtained, this qanun has indeed succeeded in changing the form of financial institutions from the conventional system to the sharia system, and this happened in a relatively short period of time. However, in practice, there are still obstacles to its implementation. Many residents still do not fully understand Islamic banking. There are even small business owners who have never received proper guidance or direction on Islamic financing. On the other hand, not all Islamic financial institutions are ready to adapt their products and services to the needs of the community in their respective areas. This study concludes that while this regulation represents a significant step toward developing an Islamic economy in Aceh, its success ultimately depends on collaboration among all parties. The government, financial institutions, and the community must support one another. To improve the implementation of this regulation in the future, ongoing evaluations, regular public awareness campaigns, and improvements to supporting infrastructure and regulations are necessary. In this way, the benefits of this regulation can truly be felt by all residents of Aceh
Debates in Modern Economic Transactions: Assessing the Gopay Agreement in the Perspective of Indonesian Ulama Musanna, Khadijatul; Sodiqin, Ali
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 56 No 2 (2022)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v56i2.1040

Abstract

Abstract: This article examines the debates of Indonesian scholars regarding the Gopay contract and the law of its transactions. This article attempts to answer two questions: why do the scholars have different opinions about the Gopay contract? And what are the legal consequences of these different opinions? Using a normative approach and Sharia contract theory, the following conclusions are obtained: first, scholars differ in opinion regarding the contract used in Gopay. The Fatwa Council of Al-Irsyad and Erwandi Tarmizi believe that the contract in Gopay is a qardh contract or debt. So, making transactions with the Gopay application is unlawful because it contains elements of usury (riba), namely discounts given by Gojek to customers. Muhammadiyah believe that Gopay transaction could be categorized as ijarah maushufah fi dzimmah scheme. So, making transaction with it is permissible as for other marketing. Meanwhile, Nahdlatul Ulama and DSN-MUI scholars believe that the Gopay contract as a wadi’ah (safekeeping) contract. So, making transactions with the Gopay application is permissible because the discount given by Gojek to customers or consumers is just a gift or bonus and does not include usury. This article finds that in assessing cases of modern transactions, apart from the perspective of halal and haram, contemporary scholars also seem confused as to which scheme is suitable for such transactions. Thus, in the case of Gopay, there are three schemes that appear in the opinion of scholars, namely qardh, wadī’ah, and ijarah maushufah fi dzimmah contracts.Abstrak: Artikel ini mengkaji perdebatan para ulama Indonesia terkait akad Gopay dan hukum bertransaksi dengannya. Ada dua pertanyaan yang hendak dijawab dalam artikel ini: mengapa para ulama berbeda pendapat tentang akad dalam Gopay?, dan apa konsekuensi hukum dari perbedaan pendapat tersebut? Menggunakan pendekatan normatif dan teori perjanjian syariah diperoleh simpulan sebagai berikut: pertama, terjadi perbedaan pendapat di kalangan para ulama terkait akad yang digunakan dalam Gopay. Dewan Fatwa Al-Irsyad dan Erwandi Tarmizi berpendapat bahwa akad dalam Gopay adalah akad qardh atau hutang piutang sehingga melakukan transaksi dengannya adalah haram karena di dalamnya mengandung unsur riba, yakni adanya diskon yang diberikan oleh pihak Gojek kepada pelanggan atau konsumen. Muhammadiyah menyatakan bahwa Gopay merupakan skema ijarah maushufah fi dzimmah sehingga transaksinya diperbolehkan sebagaikmana transaksi muamalah lain dalam perdagangan. Sementara para ulama dari kalangan Nahdlatul Ulama dan DSN-MUI memandang bahwa akad Gopay adalah akad wadi’ah (penitipan). Oleh sebab itu, melakukan transaksi dengan aplikasi Gopay adalah boleh karena diskon yang diberikan pihak Gojek kepada para pelanggan atau konsumen hanyalah sebuah hadiah atau bonus semata dan hal itu tidak termasuk riba. Artikel ini menemukan bahwa dalam menilai transaksi dalam ekonomi modern, selain dari perspektif halal dan haram, para ulama kontemporer juga tampak kebingungan untuk menilai skema yang cocok untuk transaksi tersebut. Oleh karena itu, dalam kasus Gopay, ada tiga skema yang muncul dalam penilaian ulama, yaitu akad qardh, wadi’ah, dan ijarah maushufah fi dzimmah. Keywords: Gopay Agreement; Qardh; Wadi’ah; usury; gifts; Sharia agreement 
APLIKASI E-WALLET: SOLUSI DIGITAL UNTUK PERLINDUNGAN HARTA BERDASARKAN MAQASID SYARIAH Musanna, Khadijatul; Fitri, Aulia; Nabilah, Deva
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 10, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v10i2.13615

Abstract

E-wallet is an electronic media used to store electronic money through certain applications. Various services provided by the company make e-wallet more practical, fast, and efficient in transactions. The use of e-wallet can be evaluated in the context of hifz mal (preservation of assets) in maqashid sharia to ensure its compliance with sharia principles. Hifz Mal is an important part of Maqshid Sharia which aims for the benefit of the community in a legal case. Maqashid Sharia as the maintenance of goodness achieves benefits and prevents evil. All matters in Islam are global and specific, all can be solved based on public interest, this is in line with the concept of Maqashid Sharia. The research methodology used in this study is qualitative with content analysis techniques to obtain data. This study examines comprehensive articles and books related to e-wallet, as well as the views of scholars on the concept of hifz mal. The results of the study indicate that the use of e-wallet as an electronic transaction medium to purchase products or services is in accordance with the concept of hifz mal. The use of money stored in e-wallets as a means of exchange in digital transactions is widely accepted by the public and does not involve elements of usury, gharar, gambling, or exploitation. In addition, e-wallets offer high security features and dual benefits that can make people's lives easier, in accordance with the principle of maintaining assets in maqashid sharia.
Pengaruh Kepemimpinan dan Mutasi Jabatan terhadap Kepuasan Kerja Serta Dampaknya pada Kinerja Pegawai (Studi Pada Dinas Pendidikan Dayah Kabupaten Bireuen) Musanna, Khadijatul; Fauzi, Fauzi; Chadafi, M. Ferdiananda
Singkite Journal Vol 4 No 3 (2025): Singkite Journal, December 2025
Publisher : Aceh Cooperative Care

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63855/skt.v4i3.81

Abstract

Employee satisfaction and performance analysis is a necessity. This study examines the effects of leadership and job transfers quantitatively through inferential statistics using path analysis. The study involved 39 employees at the Bireuen Regency Dayah Education Office. The results showed: (1) there was a direct and indirect effect of leadership on job satisfaction, through job transfers, of 29.82%, and a 39.04% effect on performance. (2) there was a direct and indirect effect of job transfers on job satisfaction, through leadership, of 29%, and a 37.31% effect on performance. (3) Leadership and job transfers simultaneously had an effect on employee job satisfaction of 77.78% and a 20.27% effect on employee performance.
Co-Authors Ali Sodiqin Aulia Fitri, Aulia Azhar Badruzaman, Akhmad Roja Chadafi, M. Ferdiananda Fahmi Makraja Fakhiroh, Zakiyatul Fauzi Fauzi Fitri Yanti Hidayat, Anisa Nur Junaidi Junaidi Laia, Endang Karnita Nevi Lase, Eltin Murni Nabilah, Deva Riadhus Sholihin Sari, Maula Silalahi , Farida Linawati Suip, Muhammad Nuur Iman bin Sultan4, Benny Tiarnida Nababan Tudini, Maiyuna