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All Journal Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Global Islamic Economic Studies
Arpizal
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pelatihan Penyusunan Progam Pendidikan Literasi Keuangan Melalui Implementasi Bank Mini Sekolah di SMKN 3 Muaro Jambi Arpizal; Rosmiati; Iwan Putra; Nurmala Sari; Novia Sri Dwijayanti
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) Edisi September - Desembe
Publisher : Cv. Utility Project Solution

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Abstract

The phenomenon of a wasteful lifestyle is often experienced by teenagers who are still in school because the youth group is a potential target so, financial literacy skills are really needed so the students are able to manage their finances personally and make economic decisions with logical reasons. To achieve this, community service activities are carried out using Participatory Action Research (PAR) method. Based on the result from the activity, it was found that aout of a total from 103 participants, 16 (15%) participants had wll literate level, 48 (47%) participants had sufficient literate level, 39 (38%) participants had less literate and there is no participants had not literate level. Futhermore, the educational program design at Bank Mini Sekolah at SMKN 3 Muaro Jambi consist of: a savings service program (Magema), financial recording practices, and banking professional work pratices. Through the implementation of the program, not only to improve the financial literacy skills of students and school residents, practical learrning for students, it also instills a good attitude in financial management with a (culture of) fondness for saving.
Analisis Budaya dan Sosial Terhadap Jual Beli Ijon di Desa Hapung Kecamatan Sosa, Kabupaten Padang Lawas Harahap, Rijal Allamah; Ismail; Arpizal
Journal of Global Islamic Economic Studies Vol. 1 No. 1 (2023): Journal of Global Islamic Economic Studies
Publisher : Penerbit Merdeka Kreasi

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Jual beli merupakan salah satu bentuk mu’amalah, yaitu hubungan yang terjadi antara manusia dengan manusia. Dalam transaksi jual beli, Islam mengajarkan agar jual beli yang dilakukan dilandasi dengan kejelasan jelas akad, barang dan harga sehingga tidak ada pihak yang dirugikan oleh pihak lain. Islam melarang melakukan akad jual dengan ketidakjelasan, baik barang, harga atau akadnya. arena ketidakjelasan (gharar) berpotensi menimbulkan permasalahan ketika jual beli telah berlalu. Salah satu bentuk jual beli gharar adalah jual beli ijon. jual beli ijon dalam praktek di masyarakat dilakukan dengan melakukan jual beli buah-buahan yang belum matang sempurna. Jenis penelitian ini adalah penelitian kualitatif sebanyak 25 responden. Diperoleh hasil penelitian bahwa secara parsial dan simultan budaya dan sosial berpengaruh beli ijon di Desa Hapung Kecamatan Sosa Kabupaten Padang Lawas dengan tingkat determinasi nilai koefisien korelasi ganda sebesar 0,903 bernilai positif, artinya berpengaruh variabel budaya dan sosial sangat kuat. atau 81,9% variabel terikat dapat dipengaruhi oleh variabel bebas, sementara 18,1% dipengaruhi oleh variabel lain yang tidak diteliti.
Gharar in Islamic Economics: Challenges, Regulation, and Implementation in Business Arpizal; Sabaruddin Chaniago
Journal of Global Islamic Economic Studies Vol. 3 No. 1 (2025): Journal of Global Islamic Economic Studies (INPRESS)
Publisher : Penerbit Merdeka Kreasi

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The principle of gharar is one of the important pillars in Islamic economics that functions to maintain justice, transparency, and certainty in every economic transaction. The prohibition against gharar is based on the hadith of the Prophet Muhammad which prohibits buying and selling that contains an element of uncertainty (bay' al-gharar). In the modern context, this principle faces serious challenges due to the development of the global economic system, the emergence of digital financial instruments, and complex technology-based business models. Therefore, this study aims to analyze the basic concepts and theoretical foundations of gharar, identify the challenges and regulations of its application in contemporary economic systems, and evaluate the implementation of anti-gharar principles in modern business practices. The method used is a qualitative approach with literature studies, with data searches through scientific sources on Google Scholar which include journals, books, and fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) related to gharar. The results of the study show that the gharar ban has strong relevance in maintaining economic stability and ethics in the midst of global business dynamics. Sharia regulations, such as the DSN-MUI fatwa, are an important instrument in ensuring compliance with this principle, especially in the Islamic banking, insurance, and fintech sectors . In conclusion, gharar is not just a normative prohibition, but a moral and legal guideline for building a fair, transparent, and sustainable business system in accordance with Islamic values.
Co-Authors Chaniago, Sabaruddin Harahap, Rijal Allamah Ismail Iwan Putra Novia Sri Dwijayanti Nurmala Sari Rosmiati