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All Journal Jurnal Inovasi dan Pengembangan Hasil Pengabdian Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Cahyani, Adelia
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Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Introducing and Development of Cassava Rengginang MSMEs “Bu Tarni” Pagerukir Village: NIB and Halal Certification Saputri, Frensiska; Setyawidyastuti, Mey; Cahyani, Adelia; Setiyawan, Doni; Nurhidayat, Saiful
Jurnal Inovasi dan Pengembangan Hasil Pengabdian Masyarakat Vol. 2 No. 1 (2024): Jurnal Inovasi dan Pengembangan Hasil Pengabdian Masyarakat (June)
Publisher : CV. BImbingan Belajar Assyfa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61650/jip-dimas.v2i1.208

Abstract

The surge in micro, small, and medium-sized enterprises (MSMEs) highlights their vital role in Indonesia's economy by generating employment and fostering innovation. Despite the introduction of the NIB (Business Identification Number) system to streamline business registration, many micro and small entrepreneurs lack the knowledge to obtain necessary business licenses and halal certification. This study focuses on educating and assisting Rengginang cassava entrepreneurs, specifically "Bu Tarni," in Pagerukir Village to navigate these processes. Conducted in August 2023, this initiative involves direct outreach and guidance to facilitate the acquisition of free halal certification through SiHalal and business registration numbers. The project aims to enhance MSMEs' understanding of the significance and procedures of obtaining these certifications, thereby boosting product quality, consumer trust, and sales. The expected outcomes include heightened awareness, improved procedural knowledge, and successful registration and certification of MSMEs, ultimately leading to increased consumer interest and improved community welfare in Pagerukir Village, Sampung District, Ponorogo Regency. 
Analisis Fatwa DSN-MUI No: 26/DSN-MUI/III/2002 Terhadap Implementasi Akad Rahn Emas pada Produk Gadai Emas Bank Syariah Indonesia KCP Medan Adam Malik Cahyani, Adelia; Zuhirsyan, Muhammad; Wathan, Hubbul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9259

Abstract

The growth of the Islamic pawn industry demonstrates a significant contribution in supporting public access to financing, particularly through gold pawn products based on the Rahn contract. Bank Syariah Indonesia (BSI), as the largest Islamic bank in Indonesia, offers this product based on the DSN-MUI Fatwa No. 26/DSN-MUI/III/2002. This study aims to analyze the compliance of the implementation of the gold Rahn contract at BSI KCP Medan Adam Malik with the fatwa and identify substantive obstacles in practice. The study used a qualitative method with a case study approach through interviews, observation, and documentation. Respondents consisted of bank officers, customers, and representatives of the Indonesian Ulema Council (MUI). Data analysis was conducted descriptively qualitatively through reduction, presentation, and drawing conclusions. The results of the study indicate that structurally the implementation of the Rahn contract is in accordance with the fatwa provisions, as reflected in the Gold Pawn Proof Letter (SBGE) containing the Rahn contract, along with transaction details. However, there are substantive gaps. First, some officers misunderstand because they assume that the pawned gold belongs to the bank. Second, the determination of the Ujrah (usury) is based on business strategy and customer segmentation, not the actual storage costs, thus creating the potential for gharar (gharar) and resembling usury (riba). Third, customer education regarding the Ijarah contract is not optimal, particularly regarding the object of Ijarah. In conclusion, the implementation of the Rahn contract at BSI KCP Medan Adam Malik is normatively valid, but faces substantive challenges in terms of transparency, fairness, and understanding of the contract. This study recommends strengthening customer education, increasing staff capacity, and providing substantive oversight by the Sharia Supervisory Board.
Co-Authors Hubbul Wathan Saiful Nurhidayat, Saiful Saputri, Frensiska Setiyawan, Doni Setyawidyastuti, Mey Zuhirsyan, Muhammad