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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.

Contemporary Islamic of Radical Movement (ISIS and Its Impact on Indonesia) Musadad, Ahmad; Zahro, Umi Indasyah; Syamsi, Ahmad Badarus; Pujiati, Tri; Syaifudin, Mochamad
Ummul Qura Jurnal Institut Pesantren Sunan Drajat (INSUD) Lamongan Vol. 9 No. 1 (2025): Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/uq.v9i1.1583

This research was conducted to provide an overview of the radical Islamic movement that followed the WTC tragedy. This movement had a tremendous impact on Indonesia as a country with a majority Muslim population. The impact of this radical movement has made Islam's image less good in the eyes of the world and it is considered a terrorist who preaches violence. It is hoped that this research will be able to provide an overview of the radical movement carried out by ISIS which has had an impact on the worldview of Muslims in Indonesia. This research with a qualitative descriptive design uses library research by looking for references from books and journals that are relevant to contemporary Islamic radical movements. The results of this research show that ISIS is part of the dark history of Islam which grew and grew out of political-based radicalism as a continuation of the violent and intolerant ideology of neo-khawarijism. Therefore, it is necessary to have a genuine understanding of Islam so that radical movements that are detrimental to Islam will no longer emerge in Indonesia or in the world.

Korelasi Hukum dan Ekonomi dalam Perspektif Hukum Ekonomi Syariah: Studi Konsepsi dan Kontribusi Ahmad Musadad; Khoirun Nasik; Umi Indasyah Zahro; Mustaniroh; Fajar
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 6 No. 2 (2024): on Progress
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v6i2.11959

Hukum dan ekonomi merupakan dua ilmu yang berbeda, namun mempunyai korelasi yang erat sehingga melahirkan suatu kajian baru yaitu hukum ekonomi. Kajian ini kemudian dikaitkan dengan konsep syariah, dan melahirkan studi hukum ekonomi syariah. Tujuan penelitian ini adalah mengetahui relasi hukum dan ekonomi dalam membentuk suatu kajian baru dan peranannya dalam pengembangan studi hukum ekonomi syariah di Indonesia. Metode penelitian dalam artikel ini adalah jenis peneltian kualitatif yang bersifat deskriptif analitis dan tergolong library research, dimana data diperoleh dari bahan pustaka berupa buku, artikel jurnal, dan bahan pustaka lannya, analisis data dilakukan dengan model analisis deskripsi dan analisis isi. Hasil penelitian menunjukkan bahwa antara ekonomi dan hukum mempunyai kaitan yang sangat erat dan saling mempengaruhi, dimana suatu perkembangan ekonomi akan mempengaruhi peta hukum. Begitu juga sebaliknya, perubahan hukum juga akan memberikan dampak yang luas terhadap ekonomi. Relasi hukum dan ekonomi dalam konteks Islam membentuk studi hukum ekonomi syariah. Studi ini merupakan gabungan dari kajian fiqh muamalah dan ekonomi syariah. Relasi kajian hukum dan ekonomi dalam konteks Islam berpengaruh pada perkembangan ekonomi syariah dan hukum ekonomi syariah di Indonesia, meliputi pembentukan lembaga fatwa ekonomi syariah (DSN MUI), lembaga keuangan syariah, peraturan perundang-undangan tentang ekonomi syariah, pendidikan ekonomi syariah dan hukum ekonomi syariah. (Law and economics are two different sciences, but have a close correlation so as to give birth to a new study, namely economic law. This study is then associated with the concept of sharia, and gave birth to the study of sharia economic law. The purpose of this research is to find out the relationship between law and economics in forming a new study and its role in the development of sharia economic law studies in Indonesia. The research method in this article is a type of descriptive analytical qualitative research and is classified as library research, where data is obtained from library materials in the form of books, journal articles, and other library materials, data analysis is carried out with a description analysis model and content analysis. The results showed that between the economy and law have a very close relationship and influence each other, where an economic development will affect the legal map. Vice versa, changes in the law will also have a broad impact on the economy. The relationship between law and economy in the Islamic context forms the study of sharia economic law. This study is a combination of the study of fiqh muamalah and Islamic economics. The relationship between legal and economic studies in the Islamic context affects the development of Islamic economics and Islamic economic law in Indonesia, including the formation of Islamic economic fatwa institutions (DSN MUI), Islamic financial institutions, legislation on Islamic economics, Islamic economic education and Islamic economic law.)

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.

Instrumen Investasi Syariah sebagai Determinan Pertumbuhan Ekonomi Indonesia Gazani, Hawa; Ummah, Afaful; Ilmi, Moh Miqdad; Zahro, Umi Indasyah; Iman, Aldi Khusmufa Nur
Ummul Qura Jurnal Institut Pesantren Sunan Drajat (INSUD) Lamongan Vol. 9 No. 2 (2025): Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/uq.v9i2.2212

In recent years, slowing economic growth has necessitated an investment strategy that is not only effective but also sustainable. One emerging option is sharia-compliant investment instruments, which adhere to Islamic principles and are believed to significantly support national economic growth. The primary objective of this study is to analyze the influence of sharia-compliant investment instruments on economic growth in Indonesia. The instruments studied include sharia-compliant mutual funds, sharia-compliant stocks, and sharia-compliant bonds, while economic growth is measured by Gross Domestic Product (GDP). This study uses a quantitative method with the Vector Error Correction Model (VECM) to examine short-term and long-term relationships between variables. Secondary data from quarterly periods from 2011 to 2024 were used as data sources. The results indicate that sharia-compliant mutual funds, both short-term and long-term, have an impact on economic growth, while sharia-compliant stocks and bonds do not significantly influence economic growth. These findings demonstrate the critical role of sharia-compliant mutual funds as an effective investment instrument for advancing national economic growth. However, in order for sharia stocks and sharia bonds to contribute optimally, greater efforts are required.

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 Al-Miftah lil Ulum Method in Enhancing Santri's Contextual Kitab Kuning Literacy Competence Syaifudin, Mochamad; Musadad, Ahmad; Fauzi, Alfa Zaidanil; Zahro, Umi Indasyah; Nahidloh, Shofiyun; Pujiati, Tri
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 7 No. 3 (2025): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v7i3.7865

This study aims to evaluate the influence of a contextual approach on improving santri's kitab kuning literacy and to formulate an adaptive model at Al-Hikam Islamic Boarding School Burneh Bangkalan. This research used a qualitative research with classroom action research (CAR). The data of this study is the improvement of literacy of Kitab Kuning for Santri at Al-Hikam Islamic Boarding School Burneh Bangkalan. The data of this study got from observations, in-depth interviews, and documentation of learning practices with beginner santri of Madrasah Diniyah Takmiliyah (MDT) at Al-Hikam. This research used Miles and Huberman's interactive mode to analysis data. The findings indicate that the adoption of the innovative "Al-Miftah Lil Ulum" method successfully addressed the ineffectiveness of the traditional sorogan method, significantly improving santri's morphological and syntactic analysis skills in a short period. The learning materials, structured in the form of nadzam, colored tables, and structured exercises, proved capable of bridging santri's cognitive gap towards classical texts. The implementation of this method had a significant impact on santri's ability to read and comprehend Fathul Qarib within a relatively short timeframe. This research found that challenges exist in the learning process, such as heterogeneity of abilities and the need to adjust the study duration to two years; these were addressed through class separation and strengthening meaning comprehension practices. The results of this study imply that the integration of contextual methods can bridge the gap between classical Islamic intellectual heritage and contemporary educational challenges, affirming the crucial role of innovation for pesantren's relevance in responding to 21st-century learning needs.

Used Motorcycle Transactions via Facebook: A Comparative Study of Islamic Law and Consumer Protection Fajar, Muhammad; Musadad, Ahmad; Hammam, Hammam; Nasik, Khoirun; Zahro, Umi Indasyah
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 1 : Al Qalam (In Progress January 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i1.5645

The phenomenon of online buying and selling through social media, particularly Facebook, has experienced significant growth and has become a popular alternative for used motorcycle transactions, including in the Kwanyar area of Bangkalan. However, this buying and selling practice poses several problems, such as a lack of clarity regarding contracts, incomplete or misleading vehicle information, and potential losses for consumers. This study aims to analyze the practice of buying and selling used motorcycles in the Kwanyar Facebook group from the perspective of Islamic law and Indonesian consumer protection law. This study used a qualitative approach with a case study method. Data collection techniques were conducted through observation, interviews with the sellers and buyers, and documentation of transaction activities in the Facebook group. The results indicate that the buying and selling practice is generally valid according to sharia due to the fulfillment of the contract elements and efforts to avoid serious gharar. However, there is still a lot of non-disclosure of information from sellers, which has the potential to violate consumer rights as stipulated in the Consumer Protection Law. Therefore, education and supervision are important to ensure that online buying and selling practices align with the principles of fairness, transparency, and legal protection.

Implementasi Akad Digital pada Pengelolaan Keuangan: (Studi Kasus di Nurul Islam Sumenep) Nur Laila; Siti Nur Sholikha; Andianita Nur Illahiyah; Sherly Dwi Lestari; Umi Indasyah Zahro
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.3197

Pesantren memiliki peran strategis dalam pendidikan, sosial, dan ekonomi masyarakat, sehingga pengelolaan keuangan yang transparan, efisien, dan sesuai prinsip syariah menjadi sangat penting. Perkembangan teknologi mendorong pesantren untuk mengimplementasikan sistem pembayaran digital, seperti kartu santri, e-money, dan transfer bank, guna meningkatkan kemudahan transaksi, akuntabilitas, dan pengawasan keuangan. Penelitian ini bertujuan untuk menganalisis pengelolaan keuangan berbasis syariah di Pondok Pesantren Nurul Islam Sumenep, dengan fokus pada kepatuhan dan akuntabilitas dalam penerapan sistem pembayaran digital. Pendekatan penelitian yang digunakan adalah kualitatif deskriptif, dengan pengumpulan data melalui wawancara mendalam bersama kepala unit, bendahara pengurus. Hasil penelitian menunjukkan bahwa sistem pembayaran digital telah diterapkan dengan prinsip amanah, transparansi, dan keterbukaan, namun terdapat kendala seperti keterbatasan literasi digital, pengawasan formal yang belum optimal, dan resistensi sebagian pengguna terhadap sistem baru. Penelitian ini merekomendasikan pengembangan sistem keuangan digital yang lebih terintegrasi, didukung pelatihan dan mekanisme audit internal, untuk memperkuat kepatuhan syariah, akuntabilitas, dan keberlanjutan pengelolaan keuangan pesantren di masa depan.

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