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Evaluating The Practice of Wakalah bi Al-Ujrah in Fund Transfers: Insights from a Rural Islamic Bank in Indonesia Nabila, Qoriatun; Faizah, Maftuhatul
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 1 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i1.2108

Abstract

This study examines the implementation of Wakalah bi al-Ujrah contracts in fund transfer services at BPRS Bhakti Sumekar, an Islamic rural bank in Indonesia. As a Shariah compliant agency-based contract, Wakalah bi al-Ujrah allows customers to authorize the bank to conduct transactions on their behalf in exchange for a service fee. Using a qualitative case study approach, data were collected through interviews, observation, and document analysis. The findings show that while the contract structure aligns with Shariah principles, operational inefficiencies such as system disruptions and limited customer understanding affect service quality and consistency. This research highlights the need to strengthen internal procedures, improve customer education, and invest in operational infrastructure to enhance both efficiency and Shariah compliance in Islamic rural banking practices.
Tabayyun dalam Al-Qur'an sebagai Penanggulangan Disinformasi Data Nabila, Qoriatun; Halim, Abdul
Hamalatul Qur'an : Jurnal Ilmu Ilmu Alqur'an Vol. 7 No. 1 (2026): Juni 2026
Publisher : Pondok Pesantren Hamalatul Qur'an Jogoroto Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37985/hq.v7i1.941

Abstract

This study aims to analyze the concept of tabayyun in the Quran as a countermeasure against data disinformation amidst the rapid development of information technology and social media which has made it easier to disseminate information. Data disinformation is the spread of false information intentionally created to mislead the public. This phenomenon requires an ethical foundation and norms in responding to information circulating in society. The main objective of this study is to examine the Quranic perspective on the importance of information validation and the application of the tabayyun concept in social interaction. By directly referring to the Quran in Q.S. An-Nisa verse ninety-four and Q.S. Al-Hujurat verse six, as well as referring to three cross-era Quranic commentaries, namely Tafsir Jami' al-Bayan by Ath-Thabari, Tafsir Fathul Qadir by Asy-Syaukani, and Tafsir Fi Zhilalil Qur'an by Sayyid Quthb, this research is expected to provide an alternative solution for society in filtering information amidst the rampant flow of disinformation. The method used in this research is library research with a thematic exegesis approach (maudhu'i). Data were analyzed using descriptive-analytical methods. The results show that the concept of tabayyun in the Quran not only carries the meaning of clarity and truth but also contains commands to verify, clarify, and exercise caution in receiving and disseminating information. The principles of tabayyun explained by these commentators are relevant to be used as a foundation for countering data disinformation, particularly in the context of communication and interaction in the digital era.