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All Journal Balanca : Jurnal Ekonomi dan Bisnis Islam JIES : Journal of Islamic Economics Studies
Athi’ Hidayati
Unknown Affiliation
Economics, Econometrics & Finance

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Analisis Fatwa DSN Terhadap Akad Rahn Pada Produk ARRUM di Pegadaian Syariah Surabaya Anita Musfiroh; Athi’ Hidayati; M. Syam’un Rosyadi
JIES : Journal of Islamic Economics Studies Vol. 5 No. 1 (2024): Februari
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v5i1.6764

Abstract

Pada transaksi bermuamalah penting adanya suatu akad untuk mengikat transaksi, karena transaksi bermuamalah akan menjadi sah apabila akadnya benar menurut syara. Penelitian ini bertujuan untuk mengetahui secara spesifik bagaimana penerapan Fatwa DSN-MUI NOMOR 25/DSN-MUI/III/2002 terhadap akad Rahn pada produk arrum BPKB di Pegadaian Syariah cabang Babakan Surabaya. Penelitian ini menggunakan jenis penelitian terapan (applied research) dengan menggunakan metode penelitian kualitatif. Teknik pengumpulan data yang dilakukan yaitu melalui data primer dan data sekunder. Teknik analisis data yang dilakukan dalam artikel ini yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Dari data yang terkumpul penulis menganalisis dan mengevaluasi penerapam akad rahn di Pegadaian Syariah Babakan Surabaya dengan aturan mengenai akad rahn yang diatur dalam Fatwa DSN-MUI. Hasil penelitian menunjukkan bahwa Pegadaian Syariah tersebut belum memenuhi syarat akad rahn sesuai dengan Fatwa DSN-MUI No 25 tentang rahn, karena dalam prakteknya barang yang dijadikan agunan hanyalah surat atau BPKB kendaraanya saja bukan barangnya. Adapun praktik ARRUM BPKB itu lebih sesuai menggunakan akad rahn tasjily.
Dynamics of Public Trust Toward BAZNAS Post-Corruption Allegations: A Qualitative Phenomenological Study of Muzakki with Digital Sentiment Analysis Haryanti, Peni; Dwi Ari Pertiwi; Athi’ Hidayati
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v8i1.16885

Abstract

Public trust constitutes the fundamental capital in the management of national zakat institutions. However, a significant research gap exists in understanding the dynamics of trust reconstruction following institutional corruption scandals in Islamic philanthropic organizations, particularly studies that integrate phenomenological approaches with digital sentiment analysis. This study aims to analyze the dynamics of public trust toward the National Zakat Agency (BAZNAS) following corruption allegations, through the perspectives of muzakki and social media sentiment analysis. The study employed an interpretive qualitative design with a phenomenological approach (Colaizzi method) involving 15 purposively selected muzakki informants, complemented by content and sentiment analysis of 1,247 comments collected from Instagram, Twitter/X, Facebook, and YouTube during November 2024 through March 2025. Phenomenological analysis identified three essential experiential themes: spiritual-institutional shock (100%), compliance-trust dilemma (86.7%), and adaptive resistance (80.0%). Digital sentiment analysis corroborated a corresponding three-phase temporal pattern: (1) a denial-defensive phase (53.0% neutral sentiment); (2) an anger-disappointment phase (67.4% negative); and (3) an adaptive-constructive phase (22.1% positive). Triangulation between phenomenological findings and digital sentiment analysis demonstrated strong thematic alignment. This study contributes a novel phenomenologically-grounded framework that employs computational sentiment analysis as a triangulating instrument in the context of Islamic philanthropic trust management in Indonesia.
Co-Authors Dwi Ari Pertiwi Haryanti, Peni M. Syam’un Rosyadi Musfiroh, Anita