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All Journal ILTIZAM Journal of Sharia Economic Research Margin : Journal of Islamic Banking
Zakiyah Hastriana, Anna
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Economics, Econometrics & Finance

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IMPLEMENTASI AKAD RAHN DALAM SISTEM PEMBIAYAAN PERBANKAN SYARIAH Savila, Evi; Zakiyah Hastriana, Anna
MARGIN: Journal of Islamic Banking Vol 5 No 1 (2025): MARGIN JOURNAL OF ISLAMIC BANKING
Publisher : UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/margin.v5i1.3031

Abstract

Tujuan penelitian ini adalah untuk mengkaji penerapan akad rahn dalam pembiayaan yang diterapkan oleh perbankan syariah di Indonesia. Akad rahn, yang merupakan konsep gadai dalam syariah, digunakan sebagai bentuk jaminan atas pembiayaan yang diberikan oleh bank syariah. Dalam pelaksanaannya, akad rahn memberikan perlindungan bagi kedua belah pihak, yaitu bank dan nasabah, dengan tetap mengikuti prinsip-prinsip syariah, yang menekankan larangan terhadap riba, gharar, dan maysir. Penelitian ini menggunakan kajian Pustaka.Hasil penelitian menunjukkan bahwa penerapan akad rahn memberikan manfaat bagi bank syariah dalam mengurangi risiko pembiayaan macet, sekaligus memberikan kemudahan bagi nasabah dalam memperoleh pembiayaan dengan jaminan yang jelas. Meskipun demikian, beberapa tantangan masih dihadapi dalam penerapan akad rahn, seperti kurangnya pemahaman mengenai syarat dan ketentuan rahn, serta ketidaksesuaian antara objek yang digadaikan dengan jumlah pembiayaan yang diberikan. Oleh karena itu, penelitian ini merekomendasikan peningkatan edukasi kepada nasabah dan penguatan regulasi yang mendukung penerapan akad rahn dalam perbankan syariah.
Assessing the Family Hope Program's (PKH) Impact on Community Welfare through the CIBEST Method Ulfatun Hasanah, Alief; Zakiyah Hastriana, Anna
ILTIZAM Journal of Shariah Economics Research Vol. 9 No. 2 (2025): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/wy0f1s35

Abstract

This study analyzes the effectiveness of the Family Hope Program (PKH) in improving community welfare in Bragung Village, Sumenep District, through a holistic approach that combines material and spiritual aspects using the CIBEST model. Using a descriptive qualitative method, data was collected through participatory observation, in-depth interviews with 30 beneficiary families, and a study of official documents. The CIBEST model was applied to assess welfare through four dimensions: material-spiritual welfare, material poverty, spiritual poverty and absolute poverty. The research findings show that PKH succeeded in significantly improving welfare. The Welfare Index (W) increased from 0.267 to 0.8 (200%), while the Spiritual (Ps) and Absolute (Pa) Poverty Indices were eliminated. However, the Material Poverty Index (Pm) only fell by 25%, indicating the need to strengthen the economic aspects of the program. Theoretically, this research makes an innovative contribution by adapting the CIBEST model - originally for zakat programs - into a social policy evaluation instrument. This approach offers a new perspective in measuring well-being that is more comprehensive by integrating the spiritual dimension. The findings recommend: (1) strengthening community-based economic assistance programs, (2) improving synergies between social assistance programs, and (3) developing a monitoring system based on holistic indicators to ensure the sustainability of community welfare improvements.
Co-Authors Savila, Evi Ulfatun Hasanah, Alief