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Syariah Pawnship in Indonesia: Analysis of Fiqh and Its Practice in Syariah Financial Institutions Mustaniroh, Mustaniroh; Musadad, Ahmad; Zahro, Umi Indasyah; Pujiati, Tri
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i1.1413

Economic and business developments are always accompanied by developments in capital requirements and additional business capital facilities which always require guarantees to maintain the security of the capital provided. business. Pawning is a type of debt and receivable agreement and has been in place since the time of the Prophet. Over time pawnshop institutions were formed to encourage economic survival. This research aims to explain various aspects of sharia pawning starting from the history, legal basis of sharia pawning to the implementation of pawning in both banking and pawnshop institutions in Indonesia. This research is research with a qualitative descriptive approach using documentation studies through references related to sharia pawning in Indonesia. The research results show that sharia pawn operations in Indonesia do not conflict with Islamic sharia (Al-Qur'an, Hadith, Ijma, and DSN Fatwa). Not only that, the principle of pawning is actually in line with maqashid sharia, namely the protection of property, body, mind, offspring and soul. Handling problems at sharia pawnshops by providing several ways to pay off and not adding to the burden of deposits and administration costs. The results of this research provide recommendations that the implementation of sharia pawning can be implemented in the community for the benefit of the people.

The Role of Women in Reducing Radicalism Through Nahdlatul Ulama Organization Mustaniroh, Mustaniroh; Ibnu Soleh Al Mubarok, Muhamad; Musadad, Ahmad; Widitya Qomaro, Galuh; Pujiati, Tri
Jurnal Ilmu Pemerintahan : Kajian Ilmu Pemerintahan dan Politik Daerah Vol. 10 No. 1 (2025)
Publisher : Universitas Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/jip.10.2.2025.90-108

The phenomena of radicalism considered as a trigger disturbing terrorism security and peace in Indonesia. History recorded that before 2016, women become passive perpetrator in terrorism. However, after 2016 until present, the women become active with amount participation increase sharply. Terrorist figures often want to carry out Islamic law with perfect so that often connected with method drastic violence, such as bomb kill themselves. This research has an effort to see the role of woman in activity of radicalism in Indonesia. This research has an objective to describe efforts made NU Muslim women in deradicalization radicalism in Indonesia. This research uses descriptive qualitative approach by using library research technique. The result of this study shows that Muslimat NU as one of the organization social religious the largest in Indonesia has role important for minimize hostility that occurred. Moreover, this study found that Muslimat NU uses approach education, culture, structural, and economic. Implementation from study show that the approach taken by NU Muslim women are able to strengthen unity in reducing radicalism in Indonesia.

Kinerja Keuangan Bank Muamalat melalui Pendekatan Islamicity Performance Index Zahro, Umi Indasyah; Musadad, Ahmad; Mustaniroh, Mustaniroh; Fajar, Fajar; Pujiati , Tri
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.1740

This article evaluates the financial performance of Bank Muamalat Indonesia from 2022 to 2024 based on sharia principles using the Islamicity Performance Index (IPI) developed by Shahul Hameed. The purpose of this study is to measure the extent to which Bank Muamalat applies Islamic principles in its financial operations through six key indicators: Profit Sharing Ratio, Zakat Performance Index, Equitable Distribution Ratio, Director–Employee Welfare Ratio, Islamic Investment vs Non-Islamic Investment, and Islamic Income vs Non-Islamic Income. The study employed a qualitative descriptive method using documentation and literature review. The results indicate that the Profit Sharing Ratio has increased yearly, reflecting a strong commitment to Islamic profit-sharing principles. Conversely, the Zakat Performance Index shows a declining trend, suggesting a need for greater social responsibility. The ratio of income from halal sources remained high and stable, demonstrating compliance with Islamic financial norms. Meanwhile, the Equitable Distribution Ratio and Director–Employee Welfare Ratio fluctuated but remained within acceptable ranges. These findings indicate that, overall, Bank Muamalat's financial performance aligns with sharia compliance, although some areas require improvement. The IPI-based evaluation provides strategic insights for measuring and enhancing the sharia adherence of Islamic financial institutions.

Syariah Pawnship in Indonesia: Analysis of Fiqh and Its Practice in Syariah Financial Institutions Mustaniroh, Mustaniroh; Musadad, Ahmad; Zahro, Umi Indasyah; Pujiati, Tri
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i1.1413

Economic and business developments are always accompanied by developments in capital requirements and additional business capital facilities which always require guarantees to maintain the security of the capital provided. business. Pawning is a type of debt and receivable agreement and has been in place since the time of the Prophet. Over time pawnshop institutions were formed to encourage economic survival. This research aims to explain various aspects of sharia pawning starting from the history, legal basis of sharia pawning to the implementation of pawning in both banking and pawnshop institutions in Indonesia. This research is research with a qualitative descriptive approach using documentation studies through references related to sharia pawning in Indonesia. The research results show that sharia pawn operations in Indonesia do not conflict with Islamic sharia (Al-Qur'an, Hadith, Ijma, and DSN Fatwa). Not only that, the principle of pawning is actually in line with maqashid sharia, namely the protection of property, body, mind, offspring and soul. Handling problems at sharia pawnshops by providing several ways to pay off and not adding to the burden of deposits and administration costs. The results of this research provide recommendations that the implementation of sharia pawning can be implemented in the community for the benefit of the people.

Accelerating Halal Certification: Al-Siyasah Shar’iyyah Analysis of Local Government Strategies and Systemic Challenges for Madura’s MSMEs Ahmad Musadad; Taufiqur Rahman; Baihaqi, Baihaqi; Mustaniroh, Mustaniroh; Tri Pujiati
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 4 No. 2 (2025): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v4i2.1507

Indonesia’s mandatory halal certification deadline of 17 October 2026 poses a pressing challenge for Micro, Small, and Medium Enterprises (MSMEs) for Sharia-compliant legal assurance to maintain consumer trust and enhance market competitiveness. This study examines the strategic role of local governments in accelerating halal certification for MSMEs using Siyasah Shar’iyyah approach with the principle of Tasharruf al-imām ‘alā al-Ra‘iyyah manūṭun bi al-Maṣlaḥah. This study used interviews and policy analysis for qualitative analysis. The qualitative multi-case approach examines halal certification acceleration across Madura's four regencies (Bangkalan, Sampang, Pamekasan, and Sumenep) through interviews with key stakeholders, participatory observation, and policy document analysis. The findings demonstrate that local governments are proactively advancing halal certification through targeted approaches. These include deploying Islamic religious counsellors, participating in national certification initiatives, and providing free certification programs to facilitate MSME compliance with halal requirements. Despite proactive efforts, the study identifies three persistent challenges hindering halal certification acceleration, including fragmented coordination between implementing institutions, unequal progress across regions, and insufficient local testing infrastructure, particularly for meat and animal-derived products. To address these systemic barriers, the study proposes mobile halal laboratories to expand testing coverage, digital platforms for accessibility, and Islamic boarding schools for continuous training. The findings bridge critical theory and practice, offering scalable approaches to enhance regulatory compliance and equitable halal certification access for MSMEs.

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