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All Journal Jurnal Ilmu Sosial dan Humaniora Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Rafi Nur Azizah
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Peluang dan Potensi Akad Musyarakah dalam Meningkatkan Akses Pembiayaan UMKM pada BTN Syariah Royyan Ramdani Djayusman; Rafi Nur Azizah
SOSMANIORA: Jurnal Ilmu Sosial dan Humaniora Vol. 4 No. 2 (2025): Juni 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sosmaniora.v4i2.5247

Abstract

This study analyzes the opportunities and potential of musyarakah contracts in increasing access to financing for Micro, Small and Medium Enterprises (MSMEs) at BTN Syariah. The musyarakah contract is a form of sharia-based financing that emphasizes the principle of profit sharing between banks and customers. However, the application of this contract still faces various challenges, such as the risk of moral hazard, lack of This research uses a descriptive qualitative method with a case study approach at BTN Syariah. Data were collected through interviews with bank parties, document analysis, and literature review related to the policy and implementation of musyarakah contracts in Islamic banking. The results show that musyarakah contracts have great potential in increasing access to financing for MSMEs because they are flexible and oriented towards business partnerships. In addition, the profit-sharing mechanism allows MSMEs to obtain capital without the burden of fixed interest, which is often an obstacle in conventional financing schemes. However, for the musyarakah contract to be optimized, a comprehensive strategy is needed, such as strengthening risk mitigation, increasing financial literacy for MSME players, and more accommodating regulatory support. BTN Syariah also needs to develop musyarakah-based product innovations that are more adaptive to the needs of MSMEs. By optimizing the musyarakah contract, it is hoped that access to MSME financing will be wider, so as to encourage inclusive and sustainable economic growth.
Thrifting dalam Perspektif Maqashid Syari’ah Rafi Nur Azizah; Imam Kamaluddin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i3.6045

Abstract

This study aims to examine the practice of selling imported used clothing (thrifting) from the perspective of maqashid shariah. Thrifting has become a popular trend due to the development of technology and the demand for affordable fashion. However, in Indonesia this practice is prohibited based on the Regulation of the Minister of Trade (PERMENDAG) No. 18 of 2021, Article 2 Paragraph 3 No. 18 of 2021, and Law of the Republic of Indonesia No. 7 of 2014 which prohibits the export and import of used clothing, used bags, and used sacks. This practice also contains polemics regarding its legality and impact on the local economy and public health. Thrifting is also included in the waste of developed countries with reuse that tarnishes Indonesia's image in the eyes of the world. This study uses a descriptive qualitative approach with analysis of secondary sources such as journals, books, articles, and sources relevant to thrifting. The results of this study indicate that the practice of thrifting is not in accordance with maqashid ‎sharia because 1) Hifdzu Diin encourages tabdzir behavior, 2) Hifdzu Nafs spreads disease 3) Hifdzu Aql fosters a consumerist mindset, 4) Hifdzu Nasl has the potential to spread disease across generations 5) Hifdzu Mal is detrimental to individual or group economic management. This study emphasizes the importance of harmonizing regulations that support the local economy and protect the interests of the community. Support from the government, community, and stakeholders is needed to realize this sustainability.
Co-Authors Imam Kamaluddin Royyan Ramdhani Djayusman