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All Journal Istinbath: Jurnal Hukum dan Ekonomi Islam BJRM (Bongaya Journal of Research in Management) Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat
Rizkyanti, Rizkyanti
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Implementasi KUR Syariah Berbasis Rahn Tasjily dalam Pengembangan UMKM di PT Pegadaian Rizkyanti, Rizkyanti; Damirah; Nurfadhilah; Musmulyadi
BJRM (Bongaya Journal For Research in Management) Vol. 8 No. 2 (2025): BJRM (Bongaya Journal of Research in Management)
Publisher : LPPM STIEM BONGAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37888/bjrm.v8i2.703

Abstract

This study aims to analyze the implementation of Sharia-based People’s Business Credit (KUR Syariah) using the Rahn Tasjilycontract in supporting Micro, Small, and Medium Enterprises (MSMEs) at PT Pegadaian CP Parepare. It focuses on the procedural compliance with Maqashid Shariah and its contribution to MSME growth. A qualitative case study was conducted through semi-structured interviews, observation, and documentation involving Pegadaian staff and financing recipients. Data were thematically analyzed and validated through source triangulation. Findings show that the KUR Syariah disbursement process is efficient, with simple requirements and fast procedures. The Rahn Tasjily contract complies with DSN-MUI Fatwa No. 68/DSN-MUI/III/2008 and upholds Maqashid Shariah by avoiding riba, gharar, and maysir, with a maintenance costs (mu’nah) of 0.14 % every month. This financing has positively impacted MSMEs by increasing turnover, production capacity, market reach, and employment. However, some issues remain, such as fund misallocation and limited mentoring. The study highlights the importance of inclusive, fair, and Sharia-compliant financing for sustainable MSME development. Its originality lies in the integration of normative and empirical analysis of Rahn Tasjily practices in a non-bank institution, based on real client experiences.
Nilai Filosofis dan Sosio-Kultural dalam Tradisi “Mapatettong Bola”: Suatu Pendekatan Etnopedagogi Sari, Andi Nurindah; Nur, Fakhriyah; Rizkyanti, Rizkyanti; Kuswanto, Riyan Terna; Dewi, Agnes Fransiska; Hoeruman, Moh Restu; Subha, Rahman
EDU SOCIETY: JURNAL PENDIDIKAN, ILMU SOSIAL DAN PENGABDIAN KEPADA MASYARAKAT Vol. 4 No. 3 (2024): Oktober 2024-Januari 2025
Publisher : Association of Islamic Education Managers (Permapendis) Indonesia, North Sumatra Province

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56832/edu.v4i3.510

Abstract

Artikel ini mengkaji nilai-nilai filosofis dan sosio-kultural pada tradisi Mapatettong Bola melalui pendekatan etnopedagogi, serta mengeksplorasi potensi integrasi nilai-nilai tersebut ke dalam sistem pendidikan formal. Metode kualitatif diterapkan dengan pendekatan etnopedagogi yang mendalam memungkinkan peneliti untuk mendapatkan pemahaman yang lebih analitis dan komperhensif tentang nilai tradisi tersebut dalam konteks kehidupan masyarakat Bugis. Data diperoleh dengan wawancara mendalam dan observasi partisipatif, yang melibatkan tokoh agama dan anggota masyarakat. Temuan kami mengungkapkan bahwa tradisi Mappatettong Bola memiliki nilai filosofis yang mendalam dan erat kaitannya dengan nilai religius, seperti penyucian fisik dan spiritual, keseimbangan spiritual dan moral, dan doa sebagai perlindungan dari hal-hal negatif dalam kehidupan masyarakat Bugis.  Sementara, temuan kami nilai sosio-kultural yang diadopsi dari tradisi ini, yaitu gotong royong sebagai inti kehidupan sosial, membangun solidaritas masyarakat, pelestarian tradisi, bentuk penghormatan terhadap leluhur, menumbuhkan kerja sama dan semangat gotong royong di dalam masyarakat Bugis. Penelitian ini menyoroti pentingnya integrasi tradisi tradisional Mapatettong Bola, sebagai sumber pembelajaran etnopedagogi yang relevan dalam konteks pendidikan modern di Indonesia. Penelitian ini memperkuat argumen bahwa pendekatan berbasis budaya dapat memperkaya pengalaman belajar peserta didik, serta meningkatkan kesadaran dan kepedulian mereka terhadap nilai-nilai lokal. Kontribusi dari temuan ini diharapkan dapat digunakan sebagai referensi dalam pengembangan kurikulum yang lebih inklusif dan relevan dengan budaya lokal. Selain itu, penelitian ini berpotensi mendorong diskusi lebih lanjut tentang pentingnya melestarikan tradisi dan nilai-nilai kearifan lokal di kalangan generasi muda.
PROFIT-SHARING WAGE PRACTICES AMONG RICE FIELD WORKERS IN PINRANG: AN ISLAMIC LEGAL ANALYSIS Anwar, Alfiansyah; Ibrahim, Musdalifa; Rizkyanti, Rizkyanti
istinbath Vol. 24 No. 2 (2025): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i2.889

Abstract

The Islamic wage system is grounded in the value and benefit of a person's labor, emphasizing service and usefulness. In contrast to the capitalist approach, which typically ties wages to the minimum cost of living, this system prioritizes the intrinsic worth of work. This research seeks to demonstrate the Islamic legal perspective on wage practices among rice field workers in Tamansari, Tatae Village, Duampanua District, Pinrang Regency, South Sulawesi. This research employs an interpretative approach, utilizing primary data sourced from landowners and field workers through observation, interviews, and documentation. The data collection methods include observation, interviews, and documentation. The wage system for rice field workers uses various models, such as two-way, three-way, and five-way profit sharing. Each model has different mechanisms regarding the distribution of crop yields and the allocation of responsibility for production costs. Although this practice has been implemented in the local community, some aspects of this model are not fully aligned with the principles of Islamic law, especially regarding justice and risk distribution.
Co-Authors Anwar, Alfiansyah Damirah Dewi, Agnes Fransiska Hoeruman, Moh Restu Ibrahim, Musdalifa Kuswanto, Riyan Terna Musmulyadi Nur, Fakhriyah Nurfadhilah Sari, Andi Nurindah Subha, Rahman