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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar El-Fata: Journal of Sharia Economics and Islamic Education Media Hukum Indonesia (MHI)
Arsyad, Yusri Muhammad
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Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Other

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Analisis Akad Hibah Dalam Program Bantuan Sosial Kartu Indonesia Sehat (Kis) Dalam Perspektif Hukum Ekonomi Syariah Di Desa Turatea Kecamatan Tamalatea Kabupaten Jeneponto Hidayat, Rahmat; Arsyad, Yusri Muhammad; Mayo, Abbas Ali
El-Fata: Journal of Sharia Economics and Islamic Education Vol. 3 No. 2: OKTOBER 2024
Publisher : Fakultas Agama Islam Universitas Cokroaminoto Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61169/el-fata.v3i2.172

Abstract

Tujuan penelitian ini yaitu untuk mengetahui praktik akad hibah program bantuan sosial Kartu Indonesia Sehat (KIS) yang dilakukan oleh pemerintah kepada masyarakat di Desa Turatea dan untuk mengetahui pandangan hukum ekonomi syariah terhadap akad hibah program bantuan sosial Kartu Indonesia Sehat (KIS). Jenis penelitian adalah deskriptif kualitatif, pendekatan penelitian adalah penomnologi dengan pengumpulan data melalui observasi, wawancara, dan dokumentasi, analisis data dilakukan yakni koleksi data, reduksi data, dana penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa bantuan program Kartu Indonesia Sehat (KIS) yang disalurkan oleh dinas sosial ke pemerintahan Desa Turatea untuk diteruskan ke masyarakat, jika terdapat masyarakat yang tergolong kurang mampu di Desa Turatea dan belum mendapatkan Kartu Indonesia Sehat (KIS), dapat mengurus ke kantor dinas sosial dengan membawa surat keterangan tidak mampu. Perspektif hukum ekonomi syariah memandang bahwa Kartu indonesia sehat (KIS) ini telah sesuai dengan ketentuan hukum ekonomi syariah.
Analisis Praktik Akad Hibah pada Program Bantuan Sosial Tunai (BST) terhadap Penguatan UMKM dalam Prespektif Hukum Ekonomi Syariah (Studi Kasus Dinas Sosial makassar) Fitri Hardiyanti, Nurul; Lawang, Hasanna; Arsyad, Yusri Muhammad
El-Fata: Journal of Sharia Economics and Islamic Education Vol. 4 No. 1: APRIL 2025
Publisher : Fakultas Agama Islam Universitas Cokroaminoto Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61169/el-fata.v4i1.173

Abstract

Tujuan penelitian ini untuk mengetahui praktik akad hibah pada program bantuan sosial tunai terhadap penguatan UMKM perspektif hukum ekonomi syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif kualitatif. Penelitian dengan cara mendiskripsikan suatu gejala, peristiwa, kejadian, yang terjadi pada saat sekarang. Metode pengumpulan data yang digunakan adalah observasis, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa penggunaan program Bantuan Sosial Tunai untuk UMKM terbukti menjadi signifikan. Mayoritas narasumber dalam wawancara penelitian mengonfirmasi bahwa mereka menggunakan keuangan tersebut untuk operasi harian mereka, Akan tetapi, UMKM belum memperhatikan bahwa aspek hukum ekonomi syariah dalam menggunakan keuangan tersebut, sehingga UMKM masih minim pengetahuan tentang adanya layanan keuangan syariah. Namun mereka mengatakan bahwa keuangan yang mereka gunakan itu susah tepat dikarenakan dapat memberikan transparansi dan tidak saling merugikan antara pemberi dan penerima.
Praktik Gadai Emas di Bank Syariah Indonesia Cabang Pettarani dalam Meningkatkan Pertumbuhan Ekonomi Syam, Irfan; Darmawangsa, Andi; Arsyad, Yusri Muhammad
El-Fata: Journal of Sharia Economics and Islamic Education Vol. 4 No. 1: APRIL 2025
Publisher : Fakultas Agama Islam Universitas Cokroaminoto Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61169/el-fata.v4i1.193

Abstract

Penelitian ini membahas tentang praktik gadai emas yang merupakan salah satu instrumen keuangan yang lazim digunakan dalam praktik perbankan keuangan Syariah di Indonesia. Jenis penelitian ini merupakan jenis penelitian penelitian kualitatif. Sumber data yang diperoleh melalui sumber data perimer dan sekunder. Dengan mengumpulkan data menggunakan metode observasi, wawancara, dan dokumentasi. Kemudian dilakukan analisis melalui empat tahapan, yaitu membuat deskripsi data, reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwasannya praktik gadai emas pada bank syariah cabang Pettarani menjadi alternatif bagi masyarakat untuk dapat memperoleh pinjaman yang dapat dimanfaatkan untuk dana jangka pendek dan dana jangka Panjang atau untuk kebutuhan lainnya, seperti untuk modal usaha, maupun untuk membantu perekonomian Masyarakat. Adapun bentuk peran BSI dalam meningkatkan pertumbuhan perekonomian, yaitu dengan mendorong perluasan akses pada pembiayaan syariah melalui BSI salah satunya untuk mengembangkan UMKM dengan program pemberdayaan wirausahawan melalui pelatihan, pembinaan, dan pendampingan bisnis.
Dinamika Dispensasi Nikah Dibawah Umur di Pengadilan Agama Pasca Disahkan UU. 16 Tahun 2019 (Studi Kasus Pengadilan Agama Kab. Bulukumba) Amri, Muh. Zul Atsari; Syarifuddin Abu Baedah, Said; Arsyad, Yusri Muhammad
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.15967191

Abstract

This study aims to analyze the dynamics of underage marriage dispensation at the Religious Court of Bulukumba Regency following the enactment of Law Number 16 of 2019 concerning Amendments to Law Number 1 of 1974 on Marriage. This law stipulates that the minimum age for marriage is 19 years for both males and females. However, underage marriages continue to occur due to various reasons, particularly out-of-wedlock pregnancies and strong local cultural pressures. This research uses a qualitative descriptive approach, employing data collection techniques such as observation, in-depth interviews, and documentation. The findings reveal that the number of marriage dispensation requests at the Bulukumba Religious Court fluctuated significantly after the enforcement of Law No. 16 of 2019. In 2019, there were 102 applications, which sharply increased to 206 in 2020, and then gradually decreased in subsequent years. However, this decline in applications does not necessarily indicate a decrease in actual child marriage practices. Many underage marriages occur informally and are not legally registered, such as unregistered (siri) marriages. This reveals a gap between official legal data and social realities. 
Implementasi Akad Mudharabah Pada Usaha Tambak Ikan Bandeng Dalam Perspektif Hukum Ekonomi Syariah di Desa Bonto Manai Kabupaten Pangkep Anhar, Natasya Wilda; Lawang, Hasanna; Rachana, Syarifa; Hasibuddin, M.; Arsyad, Yusri Muhammad
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.16738912

Abstract

This research discusses the implementation of the mudharabah contract in milkfish pond farming from the perspective of Islamic economic law in Bonto Manai Village, Pangkep Regency. There are two main issues examined in this study: first, to understand the practice of milkfish pond farming in Bonto Manai Village, Pangkep Regency; and second, to analyze how the mudharabah contract is implemented in this business from the perspective of Islamic economic law.This study uses a qualitative descriptive method with a phenomenological approach. Data were collected through observation, semi-structured interviews with informants (residents of Bonto Manai Village involved in milkfish pond farming). The results show that the practice of milkfish pond farming in Bonto Manai Village is carried out in a traditional yet structured manner, including pond drying, liming, fertilization, water intake, seed stocking, daily maintenance, and harvesting after 3–4 months. The implementation of the mudharabah contract in this business is done orally, without a written agreement, based on mutual trust between the capital provider (shahibul maal) and the manager (mudharib). Profit-sharing varies between 50:50 or 60:40, depending on the agreement and the contribution of each party. Profits are divided after deducting operational costs. Losses caused by external factors are borne by the capital owner, while losses due to the negligence of the manager are their moral and material responsibility.
PRAKTIK NIKAH SIRRI DAN IMPLIKASINYA TERHADAP PERLINDUNGAN EKONOMI BAGI PEREMPUAN DALAM PERSPEKTIF HUKUM ISLAM Pawe, Nunung Indrawati; Arsyad, Yusri Muhammad; Abu Baedah, Said Syafuddin; Lawang, Hasanna; Raehana, Syarifa
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Produce
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.42870

Abstract

This study aims to analyze the practice of unregistered marriage and its implications for women's economic protection in Maurole District, Ende Regency, from the perspective of Islamic law and positive law. This study uses a qualitative method with a sociological and normative juridical approach. Primary data were obtained through interviews with women engaged in unregistered marriages, religious leaders, village officials, and KUA employees, while secondary data were obtained from scientific literature and laws and regulations, particularly Law Number 16 of 2019 concerning Marriage. The results of the study indicate that unregistered marriages still occur due to economic factors, premarital pregnancy, cultural factors, and low public legal awareness regarding the importance of marriage registration. Religiously, unregistered marriages are considered valid because they fulfill the pillars and requirements of marriage, but from a state perspective, such marriages do not have perfect evidentiary power. As a result, women experience vulnerability in demanding rights to maintenance, division of joint property, and economic security after divorce. From an Islamic legal perspective, women's economic protection has been regulated through the obligation to provide maintenance, dowry, and the principle of justice in line with the maqashid al-syariah. Therefore, marriage registration is an important instrument to ensure legal certainty and protection for women.
ANALISIS HUKUM SYARIAH DALAM AKAD KERJASAMA PENGEMBANGAN EKONOMI WISATA HUTAN PINUS Pebrianto, Reza; Arsyad, Yusri Muhammad; Subaedah; Lawang, Hasanna; Abu Baedah, Said Syafuddin
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01, Maret 2026 Release
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43437

Abstract

The practice of cooperative management of the Bulu Tanah Pine Forest as a form of community-based natural resource utilization requires a study from the perspective of Sharia Economic Law to assess the suitability of the contract, profit-sharing system, and the application of the principle of justice in its implementation. This study aims to analyze the form of contract used in the cooperation and assess its compliance with the pillars and conditions of the contract in the fiqh muamalah. This study uses a qualitative approach with field research. Data collection techniques were carried out through interviews with the management and community involved, direct observation of tourism management activities, and documentation related to activities and cooperation agreements. The data obtained were then analyzed using descriptive-analytical methods to describe the ongoing cooperation practices and assess their compliance with the principles of Sharia economic law. The results of the study indicate that the cooperative practice of the Bulu Tanah Pine Forest tourism management has generally fulfilled the pillars and conditions of the contract, especially in the aspects of the existence of contracting parties, the object of cooperation, and the existence of agreement or willingness between the parties. In addition, the principles of justice and welfare are also evident in community involvement in various tourism economic activities. However, this study also identified several weaknesses, particularly in the administration, recording of cooperation agreements, and transparency in the profit-sharing system. Therefore, although the cooperation agreements implemented are essentially valid under Sharia law, strengthening governance, agreement recording, and transparency systems is needed to ensure that these cooperation practices are more accountable, fair, and sustainable in the future.
ANALISIS IMPLEMENTASI FATWA DSN-MUI PENERAPAN INKLUSI KEUANGAN SYARIAH PADA PEMBIAYAAN MURABAHAH UNTUK PENINGKATAN KESEJAHTERAAN NASABAH DI BPRS Hafid, Ekaradiah; Bunyamin, Andi; Lawang, Hasanna; Raehana, Syarifa; Arsyad, Yusri Muhammad
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Published
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43829

Abstract

This study aims to analyze the application of Islamic financial inclusion principles in murabahah financing at BPRS Bobato, Tidore Islands City, and to examine the implementation of DSN-MUI Fatwa Number 04/DSN-MUI/IV/2000 concerning murabahah contracts in such financing practices. The main focus of this study is to determine the extent to which Islamic financial inclusion through murabahah products is able to provide broader financial access to the community, especially MSMEs, in order to improve their economic welfare in a sustainable manner. The research method used is qualitative research with a case study approach. Data collection was carried out through observation techniques, in-depth interviews, and documentation. Research informants consisted of the management of BPRS Bobato, especially the Marketing Manager, as well as active customers who use murabahah financing. The data obtained were then analyzed descriptively to provide a comprehensive picture of the implementation of Islamic financial inclusion and the conformity of murabahah practices with the DSN-MUI fatwa. The results of the study indicate that the implementation of Islamic financial inclusion at BPRS Bobato has been running well, especially in expanding access to financial services for people who previously had difficulty reaching conventional banking. The implementation of DSN-MUI Fatwa No. 04/2000 has also been in accordance with sharia principles, as evidenced by price and margin transparency. However, challenges remain, including low customer understanding and the need for strengthened internal oversight.
Co-Authors Abu Baedah, Said Syafuddin Amri, Muh. Zul Atsari Anhar, Natasya Wilda Bunyamin, Andi Darmawangsa, Andi Fitri Hardiyanti, Nurul Hafid, Ekaradiah Hasibuddin, M. Lawang, Hasanna Mayo, Abbas Ali Pawe, Nunung Indrawati Pebrianto, Reza Rachana, Syarifa Raehana, Syarifa Rahmat Hidayat Subaedah Syam, Irfan Syarifuddin Abu Baedah, Said