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All Journal JURNAL PENDIDIKAN TAMBUSAI Jurnal Tabarru': Islamic Banking and Finance Socius: Social Sciences Research Journal Adpebi International Journal of Multidisciplinary Sciences Media Hukum Indonesia (MHI) Multidisciplinary Indonesian Center Journal
Sapa, Nasrullah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Effect of Non Performing Financing and Operating Expenses of Operating Income on Profitability of Islamic Commercial Banks Sapa, Nasrullah; Sudirman; Awaluddin, Muhammad
Adpebi International Journal of Multidisciplinary Sciences Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijms.v1i1.291

Abstract

This study aims to determine the effect of Non-Performing Financing and Operating Expenses on Operating Income on the Profitability of Islamic Commercial Banks in Indonesia. This type of research uses quantitative research. The population used in this study were all Islamic Commercial Banks in Indonesia registered with the Financial Services Authority from 2016 - 2020, which amounted to 14 Islamic Commercial Banks. The sampling technique in this study used a purposive sampling method with a sample of six banks, namely Bank Muamalat Indonesia, Bank Mandiri Syariah, BNI Syariah, BRI Syariah, Bank Bukopin Syariah, and BCA Syariah. The data collection method used in this research is a library study in the form of document searches related to all aspects studied. And this study uses the Classical Assumption Test, Multiple Linear Regression, and Hypothesis Testing.
FINTECH KEUANGAN SYARIAH DALAM PRESPEKTIF SHARIA COMPLAINCE Wahyuni, Sri; Sapa, Nasrullah; Haddade, Abdul Wahid
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(2).18025

Abstract

Fintech, atau teknologi finansial, telah mengubah cara layanan keuangan disediakan, menawarkan inovasi yang signifikan dalam efisiensi, aksesibilitas, dan keterjangkauan. Dalam konteks keuangan Islam, fintech menawarkan potensi besar untuk memperluas inklusi keuangan dan menyediakan solusi keuangan yang sesuai dengan prinsip-prinsip syariah. Kepatuhan syariah mengharuskan setiap produk dan layanan keuangan untuk menghindari riba (bunga), gharar (ketidakpastian), dan maisir (perjudian), serta mempromosikan keadilan, transparansi, dan aktivitas ekonomi yang produktif. Penelitian ini meninjau literatur terkini mengenai integrasi fintech dalam keuangan Islam, mengidentifikasi peluang dan tantangan yang dihadapi. Studi kasus dari berbagai platform fintech yang patuh syariah, seperti EthisCrowd, Wahed Invest, dan Blossom Finance, menunjukkan bagaimana teknologi dapat digunakan untuk menyediakan layanan keuangan yang etis dan inklusif. Penelitian ini juga menyoroti pentingnya regulasi dan pengawasan yang efektif untuk memastikan kepatuhan syariah, serta perlunya edukasi dan literasi keuangan di kalangan pengguna. Hasil penelitian menunjukkan bahwa fintech yang mematuhi syariah tidak hanya mampu meningkatkan inklusi keuangan tetapi juga mendukung tujuan keadilan sosial dan ekonomi dalam Islam. Namun, keberhasilan implementasi fintech syariah bergantung pada kolaborasi antara regulator, ulama, dan penyedia layanan fintech untuk menciptakan ekosistem yang kondusif. Dengan memanfaatkan potensi teknologi dan mematuhi prinsip-prinsip syariah, fintech dapat memainkan peran penting dalam membangun sistem keuangan Islam yang lebih adil, transparan, dan berkelanjutan.
Model Integratif Perlindungan Konsumen Berbasis Maqāṣid Syariah di Indonesia R, Randy; H, Herianti; Masse, Rahman Ambo; Sapa, Nasrullah
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 1 (2025): Agustus
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

This study discusses the legal aspects of consumer protection from the perspective of Islamic economic law in Indonesia. Consumer rights protection is increasingly complex due to the rise of digital transactions and the growing halal industry. Although consumer protection is regulated under Law No. 8 of 1999, it does not fully reflect the core principles of fiqh muamalah, such as justice, transparency, and the avoidance of gharar. This research employs a normative juridical approach using both statute and conceptual methods to examine the relationship between positive law and Islamic principles. The findings indicate a gap between current regulations and sharia values, emphasizing the need for regulatory harmonization. In conclusion, consumer protection in Islamic economic law should align with maqashid sharia and promote ethics-based supervision through institutional reinforcement.
Aspek Hukum Pembiayaan Ijarah dan IMBT Antara Fikih dan PenerapanPerbankan Muhamad, Mar’ie; Fitri, Nurul Amalia; Masse, Rahman Ambo; Sapa, Nasrullah
Media Hukum Indonesia (MHI) Vol 3, No 2 (2025): June
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.16033408

Abstract

This study examines the legal aspects of the Ijarah and Ijarah Muntahiyah Bit Tamlik (IMBT) contracts, two commonly used instruments in asset-based Islamic financing. The Ijarah contract refers to a lease agreement for the use of goods or services in exchange for a specified payment, while IMBT is an extended form of Ijarah that concludes with the transfer of asset ownership to the lessee at the end of the lease term. The objective of this research is to analyze the conformity of these contracts with Islamic legal principles (fiqh muamalah) and their implementation within Indonesia’s positive legal framework, including regulations issued by the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). This study employs a normative-juridical approach by analyzing fatwas, statutory regulations, and case studies on the application of Ijarah and IMBT contracts in Islamic financial institutions. The findings reveal that although both contracts have gained legitimacy under Sharia and national law, challenges remain in their practical implementation, regulatory supervision, and legal certainty. The study recommends enhanced awareness of Islamic legal principles, regulatory harmonization, and strengthened oversight mechanisms in the execution of Ijarah and IMBT contracts.
Kontribusi Dinasti Mughal terhadap Pengembangan Sistem Perdagangan Berbasis Syariah Ningsih, Fitriah; Muntu, Andi Tenri Sri; Sapa, Nasrullah
Jurnal Pendidikan Tambusai Vol. 9 No. 1 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Dinasti Mughal (1526–1857) memainkan peran penting dalam mengembangkan sistem perdagangan berbasis syariah di Asia Selatan. Artikel ini membahas kontribusi dinasti Mughal dalam membangun prinsip-prinsip perdagangan yang sesuai dengan nilai-nilai Islam, seperti keadilan, kejujuran, dan etika bisnis. Dengan pendekatan historis-analitis, penelitian ini mengeksplorasi kebijakan perdagangan, regulasi pasar, dan peran wakaf dalam mendukung ekonomi. Artikel ini juga mengkaji relevansi prinsip-prinsip tersebut dalam pengembangan sistem perdagangan modern berbasis syariah. Hasil penelitian menunjukkan bahwa dinasti Mughal berhasil menciptakan fondasi perdagangan etis yang relevan hingga saat ini.
KONSEP RIBA: MAKNA DAN IMPLIKASINYA DALAM PEREKONOMIAN Habibi, Habibi; Sapa, Nasrullah; Haddade, Hasyim
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 1 No. 1 (2024): Vol. 1 No. 1 Edisi Januari 2024
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v1i1.26

Abstract

Riba berasal dari Bahasa Arab ‘ar-riba artinya menetapkan bunga atau melebihkan jumlah pinjaman saat pengembalian berdasarkan presentase tertentu dari jumlah pinjaman pokok yang dibebankan kepada peminjam. Sedangkan menurut Bahasa riba bermakna ziyadah yang berarti tambahan. Riba sangat di haramkan dalam islam, maksudnya adalah apabilah menolong atau membantu sesorang dengan niat untuk menambah atau melimpahkan kekayaan untuk keperluan diri pribadi tampa menolong atau membantu orang dengan jalan yang alah kehendaki maka aktivitas tersebut di larang dan sangat di haramkan dalam islam. Riba merupakan kata serapan dari Bahasa arab yang secara etimologi bermakna ziyadah atau tambah dan numuw atau tumbuh, sedangkan secara terminology riba merupakan segala macam tambahan dalam pertukaran sesame emas dan perak maupun uang dan seluruh bahan makanan pokok tampa adanya kompensasi atau penganti atau padana rill. Tujuanya untuk melihat nilai riba dalam sistem keuangan atau transasksi islam. Kesimpulan riba dalam system keuangan atau transaksi islam merupakan upaya islam dalam mempraktekan ajaran atau aturan-aturan dalam al-qur’an, di dalam kita suci umat islam terdapat hal-hal ikhwa yang mengatur hubungan manusia dengan tuhan, hubungan manusia dengan manusia lain dan tata cara berekonomianpun sempat di atur dalam islam lewat kitab sucinya.
Implikasi Hukum Islam Terhadap Transaksi Ekonomi Digital Nafisya, Zahwah Aulia; Sapa, Nasrullah
Media Hukum Indonesia (MHI) Vol 3, No 4 (2025): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17685974

Abstract

The development of the digital economy has transformed the landscape of global economic transactions, including in Muslim-majority countries. Phenomena such as e-commerce and digital assets (cryptocurrency, tokens, and NFTs) offer convenience and new opportunities in economic activities but also raise legal issues from the perspective of Sharia law. This study aims to analyze the position of the digital economy within Islamic economic law, examine the validity of e-commerce transactions based on the principles of fiqh al-mu‘āmalah, and assess the legal status of digital assets according to the views of scholars and fatwa institutions. The research method employed in this study is library research, which involves the analysis of books, scholarly works, and previous studies related to the topic. The findings indicate that e-commerce transactions are generally permissible as long as they fulfill the pillars and conditions of a valid sale contract and are free from elements of riba (usury), gharar (uncertainty), and deception. In general, the digital economy can be accepted within the framework of Islamic economic law if it is managed according to the principles of maqāṣid al-sharī‘ah, namely upholding justice, promoting public welfare, and protecting the wealth of the community. This study emphasizes the importance of strengthening Sharia-based regulations in governing the digital economy to ensure alignment with Islamic values and to contribute to the sustainable development of the Muslim community’s economy.
Co-Authors Fitri, Nurul Amalia Fitriah Ningsih, Fitriah H, Herianti Habibi Habibi Haddade, Abdul Wahid Haddade, Hasyim Muhamad, Mar’ie Muhammad Awaluddin, Muhammad Muntu, Andi Tenri Sri Nafisya, Zahwah Aulia R, Randy Rahman Ambo Masse Sri Wahyuni Sudirman