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All Journal PARETO : Jurnal Ekonomi dan Kebijakan Publik Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi Al-Zayn: Jurnal Ilmu Sosial & Hukum Sharia Economic and Management Business Journal (SEMBJ) Jurnal Kajian Hukum Dan Kebijakan Publik Journal of Religion and Social Community Jurnal Studi Islam Indonesia (JSII)
Gustiya Sunarti
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Konsep The concept of BMT from the perspective of QS Al-Baqarah verse 188 Anisa Gustriani; Gustiya Sunarti
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 1 (2025): February
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i1.1585

Abstract

This research aims to understand the concept of BMT (Baitul Maal wa Tamwil) from the perspective of Q.S. Al-Baqarah verse 188. This verse prohibits the acquisition of another's wealth unjustly or through unfair legal means. This research uses a qualitative approach with a hermeneutic method to interpret the verse's meaning and apply it to BMT practices.
Analisis Pemahaman Hukum Islam Melalui Metode Mantuq Dan Mafhum Dalam Menyelesaikan Permasalahan Ibadah Dan Muamalah Fredela nesyah; Indah Tuti Agustin; Gustiya Sunarti
Journal of Religion and Social Community | E-ISSN : 3064-0326 Vol. 2 No. 1 (2025): Juli - September
Publisher : GLOBAL SCIENTS PUBLISHER

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Abstract

The analysis of Islamic legal understanding through the methods of mantuq and mafhum plays a significant role in addressing issues related to both worship (ibadah) and social transactions (muamalah). The mantuq method refers to the derivation of rulings based on the explicit meaning of Qur’anic and Hadith texts, while the mafhum method is employed to extract rulings through the implicit meanings embedded within the scriptural language. Both methods serve as essential argumentative foundations for scholars and practitioners of Islamic law in responding to the dynamic challenges faced by Muslim communities. In the sphere of worship, these methods provide clarity on matters such as differences in prayer practices or the determination of prayer times. In the realm of muamalah, their relevance is evident in contemporary issues including digital transactions, electronic money, and technology-based zakat management. This study adopts a qualitative approach through library research, examining both classical and modern literature in the fields of usul al-fiqh, Qur’anic exegesis, and Hadith, while also comparing classical scholarly opinions with contemporary fatwas, such as those issued by the National Sharia Council of Indonesia (DSN-MUI). The findings are expected to enrich the methodological discourse of istinbath al-ahkam (derivation of legal rulings), reaffirm the relevance of mantuq and mafhum, and provide practical solutions to current issues in worship and social transactions..
Ijma’ Dan Qiyas Sebagai Sumber Hukum Dalam Ekonomi Syariah Aisyah Bila Sapitri; Vera Chintia Bela; Gustiya Sunarti
Jurnal Studi Islam Indonesia (JSII) Vol. 3 No. 2 (2025): Jurnal Studi Islam Indonesia (JSII)
Publisher : Publication and Inovasi Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jsii.v3i2.1271

Abstract

Sumber hukum memiliki peran penting dalam menetapkan aturan yang menjadi pedoman aktivitas manusia, baik dalam urusan dunia maupun akhirat. Dalam Islam, Al-Qur’an dan Hadis merupakan sumber hukum utama yang menjadi landasan kehidupan umat. Seorang Muslim dituntut untuk meneguhkan keimanan kepada Allah SWT serta melaksanakan ajaran agama sesuai ketentuan hukum yang berlaku. Hukum dalam Islam dipahami sebagai penetapan terhadap suatu perkara atau meniadakan sesuatu yang tidak memiliki dasar. Selain Al-Qur’an dan Hadis, terdapat pula sumber hukum lain yang dijadikan pedoman dalam penetapan hukum, yaitu ijma’ dan qiyas. Ijma’ dipahami sebagai kesepakatan para mujtahid atas suatu ketetapan hukum syar’i, sedangkan qiyas merupakan upaya analogi hukum dengan menyamakan suatu peristiwa yang belum ada dalilnya dengan peristiwa lain yang memiliki dasar hukum. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif, melalui studi kepustakaan untuk menelaah peran ijma’ dan qiyas sebagai sumber hukum dalam ekonomi syariah.
Analisis Normatif tentang Hakim sebagai Penentu Keabsahan Objek Hukum dalam Perjanjian Melza , Atentri; Cece Pramana; Gustiya Sunarti
Jurnal Kajian Hukum Dan Kebijakan Publik | E-ISSN : 3031-8882 Vol. 3 No. 1 (2025): Juli - Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/88evqr21

Abstract

This research aims to comprehensively examine several important elements in Islamic law, namely the meaning of judge, legal object, legal subject,mukallaf, the concepts of Ahliyyatul wujûb and Ahliyyatul adâ', as well as the conditions attached to legal objects and legal subjects. This study starts from the understanding that law is not just a formal rule, but a system of norms that regulate human relationships with God, with fellow humans, and with their environment. In this context, judges have a central position as parties who are given the authority to uphold justice through legal decisions. The object of law is understood as everything that can be the target of rights and obligations, while the subject of law is the parties who have rights and obligations, namely humans asmukallaf. The concept ofmukallaf is closely related to Ahliyyatul wujûb, namely a person's eligibility to receive rights from the womb, and Ahliyyatul adâ', namely the eligibility to carry out obligations perfectly after reaching puberty. Furthermore, this research also examines the conditions that must be met for legal objects and subjects to be legally valid. The results of this study are expected to provide a systematic understanding of the basic structure of Islamic law, so that it can become a theoretical and practical basis for the development of legal science and its application in society.
INOVASI DAN DIGITALISASI LEMBAGA KEUANGAN SYARIAH: STUDI PADA LKMS UKHUWAH BINTANG IHSANI KOTA BENGKULU Noni Purnama Sari; Gustiya Sunarti; Fatimah Yunus
Jurnal Akuntansi, Keuangan dan Teknologi Informasi Akuntansi Vol. 6 No. 2 (2025): Edisi Desember 2025
Publisher : Universitas Muhammadiyah Bengkulu

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Abstract

This study aims to analyze the innovation and digitalization implemented by the Ukhuwah Bintang Ihsani Islamic Microfinance Institution (LKMS) in Bengkulu City and its impact on marketing and customer service. The research method used was a descriptive qualitative approach with a case study. Data were collected through in-depth interviews with management, employees, and customers, supported by documentation studies and direct observation. The results indicate that LKMS Ukhuwah Bintang Ihsani has gradually implemented innovation and digitalization through the use of social media as a marketing tool, digital transaction recording, and online service communication, all while adhering to Sharia principles such as honesty and transparency. This digitalization has had a positive impact on operational efficiency, expanded marketing reach, and increased customer satisfaction and engagement, despite limitations in human resources, digital literacy, and technological infrastructure. The study concludes that innovation and digitalization play a crucial role in strengthening the competitiveness and sustainability of LKMS Ukhuwah Bintang Ihsani. However, strengthening human resource capacity and infrastructure support are necessary for optimal and sustainable Sharia-based digital transformation. Keywords: Innovation, Digitalization, LKMS, Sharia Marketing, Sharia Finance
IMPLEMENTATION OF MAQASHID SHARIA PRINCIPLES IN THE WORK CULTURE OF EMPLOYEES AT BANK MUAMALAT BENGKULU BRANCH Chamauliddah, Tri; Sunarti, Gustiya; Yunus, Fatimah; Tri Chamauliddah; Gustiya Sunarti; Fatimah Yunus
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/2q5f3g13

Abstract

Previous studies on Islamic Financial Institution have primarily focused on sharia compliance in products and financial performance, while limited attention has been given to how maqashid sharia principles are embodied within employees’ work culture. This study fills that gap by analyzing the implementation of maqashid sharia values in the work culture of employees at Bank Muamalat Bengkulu Branch using a descriptive qualitative approach through interviews with leaders and staff. Thematic analysis was conducted based on the five dimensions of maqashid sharia: hifz ad-dīn (protection of religion), hifz an-nafs (protection of life), hifz al-aql (protection of intellect), hifz an-nasl (protection of lineage), and hifz al-mal (protection of wealth). The results indicate that Islamic values are internalized through the “Muamalat IDEAL” work culture (Islamic, Modern, Professional). Leaders play an active role in instilling honesty, trustworthiness, and responsibility through exemplary conduct and spiritual activities. Employees’ work practices reflect a balance between spiritual and professional aspects: integrity and honest service (hifz ad-dīn), harmonious teamwork (hifz an-nafs), continuous competency development (hifz al-aql), employee welfare (hifz an-nasl), and sharia-compliant fund management (hifz al-mal). Supporting factors include strong organizational commitment and corporate values, while the main challenges are the influence of value globalization and limited Islamic literacy among staff. Overall, the application of maqashid sharia strengthens Islamic work culture and professionalism within Bank Muamalat Bengkulu Branch.
Analisis Peran Lembaga Keuangan Syariah dalam Pemberdayaan UMKM: Studi Kasus BMT di Prov. Bengkulu Shintia Hartono; Fatimah Yunus; Gustiya Sunarti
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.3005

Abstract

Penelitian ini menelaah peran BMT dalam memberdayakan UMKM di Provinsi Bengkulu melalui pembiayaan dan pendampingan berbasis syariah. Studi kualitatif dengan desain studi kasus ini melibatkan pengurus BMT dan UMKM binaan sebagai informan melalui wawancara, observasi, dan dokumentasi, kemudian dianalisis dengan model Miles dan Huberman. Hasil penelitian menunjukkan bahwa pembiayaan syariah meliputi murabahah, mudharabah, musyarakah, dan rahn berdampak pada peningkatan modal kerja, kapasitas produksi, serta omzet UMKM. Pendampingan manajemen dan literasi keuangan turut memperkuat kemampuan manajerial pelaku usaha. Data menunjukkan 63% UMKM mengalami kenaikan omzet, 64% meningkat labanya, dan 58% mampu memperluas usaha setelah bermitra dengan BMT. Meski demikian, efektivitas pemberdayaan masih dipengaruhi keterbatasan modal BMT, rendahnya literasi keuangan UMKM, risiko pembiayaan bermasalah, dan kecenderungan ketergantungan pada pembiayaan.  
Co-Authors Aisyah Bila Sapitri Anisa Gustriani Cece Pramana Chamauliddah, Tri Fatimah Yunus Fredela nesyah Indah Tuti Agustin Melza , Atentri Noni Purnama Sari Shintia Hartono Sunarti, Gustiya Tri Chamauliddah Vera Chintia Bela Yunus, Fatimah