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All Journal Jurnal Review Pendidikan dan Pengajaran (JRPP) Al-MIKRAJ: Jurnal studi Islam dan Humaniora
Siregar, Fahmi Apriyansyah
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Hukum Islam Terhadap Praktik Investasi Emas Online Melalui Platform Pegadaian Digital Wandira Anzani; Shabilla Aisyah; Dwi Anggriani; Muhammad Abdi; Siregar, Fahmi Apriyansyah; Ogin Syahputra Sinaga; Ramadhan Saleh Lubis
AL-MIKRAJ Jurnal Studi Islam dan Humaniora Vol. 5 No. 2 (2025): Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v5i2.7308

Abstract

The rapid development of financial technology (fintech) has driven innovation in the world of investment, one of which is through digital platforms for gold investment. Pegadaian Digital, as an online gold investment service, offers ease of access and flexibility for the public, but raises issues of Islamic law regarding the suitability of contracts, ownership, and transaction mechanisms in a non-physical system. This study aims to analyze the compliance of online gold investment practices at Pegadaian Digital with Islamic legal principles. The research employs a qualitative method with a normative-legal and conceptual approach, and data is obtained through literature review, including fiqh literature, DSN-MUI fatwas, and official documents from Pegadaian. The results of the study indicate that digital gold investment through Pegadaian Syariah uses a combination of wakālah, ijarah, bai’, and qardh contracts, which are considered valid under Islamic law, provided they meet the conditions and requirements of the contract and are free from elements of riba and gharar. The delivery mechanism in the digital system is deemed valid based on the concept of qabḍ hukmī (legal delivery), and does not contradict sharia if the transaction object, price, and rights and obligations of the parties are explained transparently. The conclusion of this study states that online gold investment practices through Pegadaian Digital can be considered in line with Sharia principles, provided they remain under continuous supervision to align with the objectives of Sharia (maqāṣid al-syarī‘ah) in contemporary muamalah practices.
ANALISIS PENGARUH ANGKATAN KERJA, INDEKS PEMBANGUNAN MANUSIA (IPM), PENGANGGURAN TERHADAP KEMISKINAN DI SUMATERA UTARA PERIODE 2001 – 2021 Siregar, Fahmi Apriyansyah; Abdi, Muhammad; Sihombing, Runggu; Natalia, Natalia; Sinulingga, Sam Deva Nasra
Jurnal Review Pendidikan dan Pengajaran Vol. 8 No. 2 (2025): Volume 8 No. 2 Tahun 2025
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v8i2.44173

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh angkatan kerja, indeks pembangunan manusia (IPM), dan pengangguran terhadap tingkat kemiskinan di Sumatera Utara selama periode 2001–2021. Data yang digunakan dalam penelitian ini bersumber dari Badan Pusat Statistik (BPS) dan dianalisis menggunakan metode kuantitatif dengan bantuan aplikasi EViews 10. Hasil penelitian menunjukkan bahwa angkatan kerja memiliki pengaruh negatif dan signifikan terhadap kemiskinan, di mana peningkatan angkatan kerja dapat mengurangi tingkat kemiskinan. Sebaliknya, indeks pembangunan manusia (IPM) dan pengangguran memiliki pengaruh positif dan signifikan terhadap kemiskinan, di mana peningkatan IPM dan pengangguran justru meningkatkan tingkat kemiskinan. Temuan ini bertentangan dengan beberapa penelitian sebelumnya yang menyatakan bahwa IPM seharusnya berkorelasi negatif dengan kemiskinan. Secara simultan, ketiga variabel tersebut (angkatan kerja, IPM, dan pengangguran) secara signifikan memengaruhi tingkat kemiskinan di Sumatera Utara.
Co-Authors Dwi Anggriani Muhammad Abdi Muhammad Abdi, Muhammad Natalia Natalia Ogin Syahputra Sinaga Ramadhan Saleh Lubis Shabilla Aisyah Sihombing, Runggu Sinulingga, Sam Deva Nasra Wandira Anzani