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All Journal Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Taroa : Jurnal Pengabdian Masyarakat JURNAL ECONOMINA RESLAJ: Religion Education Social Laa Roiba Journal Hakamain: Journal of Sharia and Law Studies
Muhammad Zia Ulhaq
Universitas Muhammadiyah Bima
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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IMPLEMENTATION OF RELIGIOUS MODERATION VALUES IN SHARIA FINANCING TO SUPPORT THE GROWTH OF MSMES IN THE GLOBAL ERA Afran; Muhammad Rasyad Al-fajar; Muhammad Zia Ulhaq
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i4.3145

Abstract

One of the challenges faced in religious moderation is the extreme and harsh views of Islam, which force the views of other Islamic communities to use violence in doctrine. This can lead to a loose, unfocused understanding of Islam and the emergence of negative thoughts that follow cultures outside of Islam. So this study aims to determine the Implementation of Religious Moderation Values ​​​​in Sharia Financing to Encourage the Growth of MSMEs in the Global Era. This research will be conducted in Bima City, West Nusa Tenggara. This study uses Qualitative Research with a Case Study Approach. Data Collection Techniques, namely Observation, Interviews and Documentation. Data Analysis Techniques, namely Data Reduction, Data Presentation and Conclusion Drawing. Based on the results of the studyIt can be concluded that overall, sharia financing that applies the values ​​of religious moderation in Bima City can be a model for other regions in encouraging sustainable and inclusive MSME growth.
Community Economic Empowerment Based on Ecotourism from a Sharia Economic Perspective: A Study on Mada Oi Tampuro, Piong Village Lasmi; Muhammad Rasyad Al Fajar; Muhammad Zia Ulhaq
JURNAL ECONOMINA Vol. 5 No. 5 (2026): JURNAL ECONOMINA, Mei 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i5.2375

Abstract

This study aims to identify empowerment models, analyze income distribution patterns, and validate the alignment of ecotourism management practices in Mada Oi Tampuro, Piong Village, with sharia economic principles. Using a descriptive qualitative approach, this study was conducted through data collection from 15 informants using interview, observation, and documentation techniques. The results of the study indicate that ecotourism has succeeded in providing a multiplier effect that increases the income of micro-entrepreneurs as a form of hifdz al-maal . However, there are obstacles in the form of the application of ta'awun values that are still limited to technical functions and the uneven distribution of benefits that violate the principle of distributive justice ( 'adl ). Overall, the sustainability of this ecotourism requires restructuring of ticket and parking management through the formalization of mudharabah or syirkah inan contracts , as well as optimizing the role of the village government as ulil amri to realize holistic maslahah.
A Review of Sharia Economic Law on Mini Gas Station Business Practices (Case Study: in Nae Village, Bima City) Agus Setiawan; Muhammad Rasyad Al Fajar; Muhammad Zia Ulhaq
JURNAL ECONOMINA Vol. 5 No. 5 (2026): JURNAL ECONOMINA, Mei 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i5.2382

Abstract

This research aims to analyze the business practices of retail fuel filling stations, commonly known as "Pom Mini," in Nae Village, Bima City, from the perspective of Sharia Economic Law. The emergence of Pom Mini serves as a solution to the community's limited access to official gas stations; however, its operations often reside in a legal and sharia-compliance gray area. This study employs a descriptive qualitative method with a field research approach. Data were collected through in-depth interviews, direct observation of dispenser machines, and documentation. The results indicate that Pom Mini business practices in Nae Village do not fully comply with muamalah principles. The primary findings reveal elements of gharar (uncertainty) resulting from inaccurate measurements of dispenser machines that lack periodic calibration. Furthermore, operational safety aspects fail to meet Maqashid Sharia standards concerning the protection of life (hifz al-nafs). Although the pricing is socially accepted under the principle of mutual consent (an-taradhin) and custom (al-’urf), a transformation through business legality and technical standardization is required to ensure blessings (barakah) and public benefit (maslahah).
LITERASI BUDAYA HIDUP HALAL DI MA MUHAMMADIYAH KOTA BIMA Ismail Ismail; Ibrahim Ibrahim; Muhammad Rasyad Al Fajar; Muhammad Zia Ulhaq; Rafiuddin Rafiuddin; Dina Husniah; Umar Sagaf
Taroa: Jurnal Pengabdian Masyarakat Vol. 2 No. 2 (2023): Juli
Publisher : LPPM IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/taroa.v2i2.4890

Abstract

Pengabdian ini bertujuan untuk meningkatkan pemahaman dan kesadaran siswa MA Muhammadiyah Kota Bima tentang pentingnya budaya hidup halal dalam kehidupan sehari-hari. Program literasi budaya hidup halal ini dilaksanakan melalui kegiatan penyampaian materi tatap muka dengan tiga sesi utama: pengenalan konsep budaya hidup halal, dampak positif budaya hidup halal secara holistik, dan diskusi interaktif. Metode yang dalam pengabdian ini meliputi studi literatur untuk penyusunan materi, penyampaian materi oleh narasumber, dan evaluasi melalui pre-test dan post-test. Hasil pengabdian menunjukkan adanya peningkatan pemahaman siswa tentang budaya hidup halal, yang tercermin dari perbandingan hasil pre-test dan post-test. Program ini memberikan kontribusi positif dalam membentuk pemahaman siswa tentang pentingnya memilih produk halal dan menerapkan gaya hidup halal dalam kehidupan sehari-hari.
RAMADHAN KAREEM MENGHASILKAN INOVASI PADA USAHA MAHASISWA MELALUI ZAKAT PRODUKTIF LAZISMU Ismail Ismail; Ibrahim Ibrahim; Muhammad Rasyad Al Fajar; Muhammad Zia Ulhaq; Rafiuddin Rafiuddin; Dina Husniah; Umar Sagaf
Taroa: Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2023): Januari
Publisher : LPPM IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/taroa.v2i1.4905

Abstract

Bulan Ramadhan merupakan momentum spiritual dan sosial yang mendorong peningkatan kepedulian serta solidaritas umat, salah satunya melalui zakat. Penelitian ini bertujuan untuk mengkaji bagaimana zakat produktif yang disalurkan oleh LAZISMU mampu mendorong inovasi pada usaha mahasiswa. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara mendalam, observasi lapangan, dan studi dokumentasi pada penerima manfaat zakat produktif. Hasil penelitian menunjukkan bahwa zakat produktif yang diterima mahasiswa tidak hanya berfungsi sebagai bantuan modal, tetapi juga memacu kreativitas, peningkatan kapasitas usaha, serta pengembangan model bisnis yang lebih adaptif dan inovatif selama bulan Ramadhan. Selain itu, peran pembinaan dari LAZISMU turut menjadi faktor pendukung dalam menciptakan ekosistem kewirausahaan yang berkelanjutan. Temuan ini memperlihatkan bahwa pengelolaan zakat secara produktif mampu menjadi instrumen pemberdayaan ekonomi yang efektif, terutama di kalangan mahasiswa.
Kantika Ngara Practice: Marriage Validity under Islamic and Positive Law in Ambalawi Regency Local Wisdom Syarif Hidayatullah; Muhammad Zia Ulhaq; Fitriani
Hakamain: Journal of Sharia and Law Studies Vol. 4 No. 2 (2025): HAKAMAIN: Journal of Sharia and Law Studies
Publisher : Yayasan Lembaga Studi Makwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57255/hakamain.v4i2.1461

Abstract

This study examines the practice of Kantika Ngara in Ambalawi Subdistrict, Bima Regency, a local pre-marital tradition involving the symbolic adjustment of the bride’s and groom’s names, which is believed to bring harmony, prosperity, and blessings to married life. The purpose of this research is to describe the implementation of Kantika Ngara, analyze it from the perspectives of Islamic law and positive law, and assess the harmony between religious norms, state regulations, and local wisdom. This study employs a qualitative approach using normative and empirical methods. Data were collected through observation, in-depth interviews, and documentation, and analyzed using NVivo to identify key themes. The findings show that Kantika Ngara is practiced through symbolic methods such as counting name letters, interpreting names, observing palm lines, and measuring finger length as indicators of fortune. From the perspective of Islamic law, this tradition does not invalidate the marriage contract because the name adjustment is symbolic and does not affect legal identity. From the perspective of positive law, the practice does not cause administrative or legal problems since official identities remain unchanged. This study demonstrates that Kantika Ngara represents local wisdom that harmonizes religious values, state law, and community culture, contributing to discussions on legal pluralism and cultural accommodation
Analisis Etika Bisnis Islam Terhadap Keberlangsungan UMKM di Kota Bima Umifatun Suhadah; Husnatul Mahmudah; Muhammad Zia Ulhaq
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 7 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i7.12382

Abstract

Micro, Small, and Medium Enterprises (MSMEs) make an important contribution to the economy of Bima City. However, the sustainability of this sector continues to face various challenges, particularly in the implementation of Islamic business ethics. This study aims to analyze the implementation of Islamic business ethics principles, particularly honesty, trustworthiness, and justice, among MSMEs in Bima City; identify supporting and inhibiting factors; and formulate strategies to strengthen their application. This study employs a descriptive qualitative approach involving 15 informants from various business sectors. Data were collected through in-depth interviews, observation, and documentation. The findings indicate that the implementation of the principles of honesty and justice remains varied. Some MSME actors still make ethical compromises due to price competition pressure and limited capital. In contrast, the principles of trustworthiness and responsibility tend to be applied more consistently, particularly among Tembe Nggoli woven-fabric artisans, who regard the preservation of traditional motifs as part of their cultural trust. The main supporting factors for the implementation of Islamic business ethics include the community’s high level of religious awareness and local government support. Meanwhile, the inhibiting factors include unhealthy price competition, low Islamic financial literacy, and weak monitoring mechanisms. The recommended strengthening strategies include improving halal literacy, expanding access to Islamic financing, developing a value-based business ecosystem, promoting ethical MSME digitalization, and establishing community-based participatory monitoring.
Co-Authors Afran Agus Setiawan Dina Husniah Fitriani Husnatul Mahmudah Ibrahim Ibrahim Ismail Ismail Lasmi Muhammad Rasyad Al Fajar Muhammad Rasyad Al-fajar Rafiuddin Rafiuddin Sagaf, Umar Syarif Hidayatullah Umifatun Suhadah