Article Per Year (5 Year)
p-Index From 2021 - 2026
1.909
P-Index
This Author published in this journals
All Journal El-Mashlahah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam At-Tafkir Jurnal Hadratul Madaniyah Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Al-Kharaj: Journal of Islamic Economic and Business Jurnal Investasi Islam el-Jizya: Jurnal Ekonomi Islam Balance : Jurnal Akuntansi dan Manajemen Academica: Journal of Multidisciplinary Studies
Tri Hidayati
Universitas Islam Negeri Palangka Raya
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 12 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 12 Documents
Search

 1   2 
The Concept of Justice in the Determination of Murabahah Margin in BPRS: Normative Analysis of Sharia Economics Istiqomah; Tri Hidayati
Jurnal Hadratul Madaniyah Vol. 13 No. 1 (2026): Jurnal Hadratul Madaniyah
Publisher : ​Institute for Researches and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/jhm.v13i1.11724

Abstract

This article examines the concept of justice in determining the margin of murabahah in Sharia People's Financing Banks (BPRS) using a normative approach to sharia economics. The focus of the research is directed at the conformity of the practice of determining margins with the principles of fiqh muamalah, maqashid al-sharia, as well as applicable regulations, especially the DSN-MUI Fatwa and OJK regulations. The results of the analysis show that although normatively the margin of murabhah should be based on cost of goods transparency, voluntary agreements, and information disclosure, practices in the field are still influenced by conventional benchmarks such as market interest rates and internal decisions of the Asset Liability Committee (ALCO). This situation has the potential to cause an identity crisis for Islamic financial institutions and weaken the principle of ridha bi al-taradhi. This study emphasizes the urgency of preparing national guidelines for determining margins based on maqashid al-sharia, the implementation of a more participatory negotiation mechanism between banks and customers, and increasing transparency through accountable written documents. Thus, this article contributes to strengthening the identity and legitimacy of Islamic banking while offering a normative framework as an alternative to pragmatic, market-oriented practices.
Concept and Implementation of Aqd Tabarru' in the Management of ZIS Funds at BAZNAS Kapuas Danu Pamungkas; Tri Hidayati
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11 No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.19585

Abstract

This study addressed the lack of specific research on the implementation of the tabarru’ contract in the management of ZIS (zakat, infak, and sadaqah) funds, particularly within zakat management institutions such as the National Zakat Agency (BAZNAS) of Kapuas Regency. The Aqd tabarru’, which was grounded in the principles of mutual assistance and non-commercial orientation, held significant potential as an effective Sharia-based framework for managing Islamic social funds. The objective of this research was to explore the concept and practical application of the Aqd tabarru’ at BAZNAS Kapuas, shifting the discussion from its practice in Islamic insurance to its relevance in zakat institutions. This study employs a qualitative descriptive method with a field research design, utilizing interviews, observations, and direct documentation at BAZNAS Kapuas. The findings reveal that the Aqd tabarru’ is implemented in the form of hibah (grant), whereby funds are distributed freely to beneficiaries (mustahik) through transparent and verified social programs. Although the main challenges lie in public zakat literacy and the accuracy of fund distribution, BAZNAS Kapuas addresses these issues through continuous education and the implementation of a Sharia-compliant verification system. This research affirms that the application of the tabarru’ contract in ZIS fund management is not only feasible but also relevant and effective in promoting Sharia-based social justice.
Co-Authors Aditoni, Agus Balya Nasim Ahmad Danu Pamungkas Istiqomah Istiqomah, Istiqomah Mahtumridho Ghufron bin Simun Mawar Ardiansyah Muhammad Noor Sayuti Muhammad Taufik Rahman Mutmainah Mutmainah Nadia Merdiana Nur Ribkhi Ibnu Zulfa Nur Syam Siswandi Siti Alfia Titik TriwulanTutik Zulkifli Zulkifli