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All Journal Al-Kharaj: Journal of Islamic Economic and Business El-Iqtishady JIMEK
Rahmah Rafifah Abu
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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PENERAPAN AKAD IJARAH DALAM LEMBAGA KEUANGAN SYARIAH: STUDI KASUS PADA BANK SYARIAH DI INDONESIA Rahmaniar; Rahmah Rafifah Abu; Lince Bulutoding; Saiful Muchlis
El-Iqthisadi Vol 7 No 1 (2025): Juni
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v7i1.58467

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis penerapan akad ijarah dalam lembaga keuangan syariah, khususnya pada bank syariah di Indonesia. Akad ijarah merupakan bentuk transaksi sewa-menyewa yang telah disesuaikan dengan prinsip-prinsip syariah. Dalam praktiknya, akad ijarah digunakan pada berbagai produk pembiayaan seperti ijarah muntahiya bittamlik. Penelitian ini menggunakan metode studi kepustakaan dengan mengkaji literatur yang relevan. Hasil kajian menunjukkan bahwa akad ijarah memberikan solusi pembiayaan yang adil dan bebas riba, meskipun dalam implementasinya masih terdapat tantangan seperti pemahaman nasabah yang rendah dan manajemen aset oleh bank. Oleh karena itu, diperlukan peningkatan literasi dan regulasi yang mendukung optimalisasi akad ini dalam sistem perbankan syariah. Kata Kunci: Ijarah, Bank Syariah, Pembiayaan Syariah, Perbankan Islam, Akad Abstract This study aims to analyze the implementation of the ijarah contract in Islamic financial institutions, particularly Islamic banks in Indonesia. Ijarah is a lease-based contract adapted to comply with sharia principles. In practice, it is applied in various financing products, such as ijarah muntahiya bittamlik. This research employs a library research method by reviewing relevant literature. The findings indicate that the ijarah contract offers fair, interest-free financing solutions. However, its implementation still faces challenges, including limited customer understanding and asset management issues by banks. Therefore, improved public literacy and supportive regulations are necessary to optimize the use of ijarah in the Islamic banking system. Keywords: Ijarah, Islamic Bank, Sharia Financing, Islamic Banking, Contract
Kerangka Hukum Kesetaraan Kerja dan Pengelolaan Keberagaman di Tempat Kerja Rahmah Rafifah Abu; Rahmaniar Rahmaniar; Lince Bulutoding
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 2 (2025): Juli : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i2.6015

Abstract

Equal employment and diversity management are important issues in developing equitable human resources. This study aims to examine the legal framework related to Equal Employment Opportunity (EEO) and its application in creating an inclusive and discrimination-free work environment. The approach used is a literature study by collecting data from various literature, journals, and relevant regulations. The results of the study indicate that Indonesia has a fairly strong legal basis in guaranteeing equal employment opportunities, but challenges still arise in practice in the field such as discrimination based on gender, ethnicity, and other personal attributes. Effective diversity management requires an organization's commitment to implementing fair recruitment policies, inclusive training, and transparent assessment and compensation systems. From an Islamic perspective, the values ​​of justice, equality, and respect for human dignity are the moral basis that supports the implementation of EEO. Therefore, the integration of legal and ethical values, both from the state and religion, is very important in creating a healthy and sustainable work environment.
Productive Zakat and Poverty Alleviation Through (Cibest Model Approach) at Baznas, Kendari City, Southeast Sulawesi Province Rahmah Rafifah Abu; Abdul Wahab; Idris Parakkasi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7585

Abstract

Poverty remains a major challenge to economic development in Indonesia, including in Kendari City, Southeast Sulawesi Province. One instrument believed to provide a solution to this problem is zakat, particularly productive zakat. This study aims to analyze the role of productive zakat in poverty alleviation through the CIBEST Model approach at the National Aznas (BAZNAS) in Kendari City, Southeast Sulawesi Province. The CIBEST Model offers a comprehensive approach that measures poverty not only from a material perspective but also from a spiritual perspective.The results of the study indicate that the poverty level and welfare of mustahiq (recipients) in BAZNAS Kendari City experienced significant changes after the implementation of productive zakat. Based on the CIBEST Model approach, there was an increase in material and spiritual welfare among beneficiaries, with the welfare category of Quadrant I increasing from 5 to 8 households. Quadrant II, the material poverty category, decreased from 5 to 2 households. Meanwhile, no households fell into the spiritual and absolute poverty categories after receiving productive zakat. However, the implementation of productive zakat has not been fully effective, with 2 out of 10 informants still classified as poor due to business location and health conditions. Nevertheless, their spiritual aspects showed positive development. BAZNAS needs to strengthen training, mentoring, and business supervision, although limited human resources remain a barrier.
Co-Authors Abdul Wahab Idris Parakkasi Lince Bulutoding Rahmaniar Rahmaniar Rahmaniar Saiful Muchlis