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All Journal Jurnal Kajian Islam dan Sosial Keagamaan Moral : Jurnal Kajian Pendidikan Islam
Desmi Satriana
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Religion Humanities Education Social Sciences

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Analisis Implementasi Akad Murabahah Terhadap Pembiayaan Barang Dan Jasa Pada Usaha Pembiayaan Sumber Jaya Di Desa Pasir Ringgit Kecamatan Lirik Kabupaten Indragiri Hulu Arif Firdaus Siahaan; Muhammad Apis Daulay; Desmi Satriana
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the implementation of the Murabahah contract in the financing of goods and services at Usaha Pembiayaan Sumber Jaya, located in Desa Pasir Ringgit, Kecamatan Lirik, Kabupaten Indragiri Hulu. Murabahah is one of the contracts in Sharia financing that emphasizes price transparency and the seller’s ownership of goods before they are sold to the buyer. This research is driven by the need to ensure that the application of Murabahah truly adheres to Sharia principles, particularly in terms of ownership, the contract process, and transparency between the financier and the customer. This study employs a descriptive qualitative approach with data collected through observation, interviews, questionnaires, and documentation. The respondents include management and customers of Usaha Pembiayaan Sumber Jaya, selected through purposive sampling. The data were analyzed by comparing the practices in the field with the theoretical and fundamental principles of the Murabahah contract. The results indicate that the implementation of the Murabahah contract at Usaha Pembiayaan Sumber Jaya generally aligns with Sharia principles, such as the financier’s prior ownership of goods and price transparency. However, some challenges remain, including a lack of understanding among some customers regarding the details of the contract. The financier also faces issues such as late payments. Moreover, the study found that Murabahah was also used for service financing, which is not in accordance with Fiqh principles, as Murabahah should only be used for transactions involving tangible goods. In addition, the financing institution under study has not yet obtained formal legal status from financial authorities or a Sharia supervisory body.
Masailul Al-Fiqhiyyah Kontemporer dan Implikasinya terhadap Pembentukan Moral Peserta Didik Mira Salpina; Riska Khodijah; Desmi Satriana
Moral : Jurnal kajian Pendidikan Islam Vol. 2 No. 4 (2025): Desember : Moral : Jurnal kajian Pendidikan Islam
Publisher : Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moral.v2i4.1604

Abstract

Contemporary developments in science, technology, and socio-cultural dynamics have given rise to various new fiqh issues (masailul al-fiqhiyyah al-mu‘ashirah) that were not explicitly discussed in classical Islamic jurisprudence. These contemporary fiqh issues demand contextual ijtihad that is responsive to current realities while remaining grounded in Islamic legal principles. This study aims to analyze contemporary fiqh issues and examine their implications for the moral formation of students in Islamic education. This research employs a qualitative library research approach by analyzing classical fiqh literature, contemporary fiqh studies, and relevant educational theories. The findings indicate that contemporary fiqh issues such as digital ethics, biomedical technology, and socio-economic practices carry significant moral dimensions that directly influence students’ attitudes and behavior. Integrating contemporary fiqh discourse into Islamic education encourages critical thinking, moral reasoning, and ethical awareness among learners. Therefore, contemporary fiqh learning not only functions as a legal reference but also as a strategic instrument for strengthening students’ moral character in accordance with Islamic values. The study implies that Islamic education institutions should contextualize fiqh instruction to address contemporary moral challenges faced by students.
Co-Authors Amelia Putri Mayrin Arif Firdaus Siahaan Halifasyah, Rika Mira Salpina Muhammad Apis Daulay Riska Khodijah