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All Journal Communautaire: Journal of Community Service JSE: Jurnal Sharia Economica
Anantha, Agung
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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SAHAM SYARIAH: AKAD-AKAD SAHAM SYARIAH DAN PRAKTIKNYA DI NEGARA INDONESIA & QATAR Silviany, Ratih; Awaliyah, Annisa Fitri; Anantha, Agung; Sabila, Wan Shalah; Batubara, Maryam
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2327

Abstract

Sharia-compliant stocks represent a rapidly growing investment instrument in line with increasing awareness of Islamic economic principles. Unlike conventional stocks, Sharia stocks are based on specific Islamic contracts (akad) such as musyarakah and mudharabah, ensuring transactions comply with Sharia law. This paper aims to explore the types of Sharia contracts applied in equity investment and compare their practical implementation in two distinct Islamic financial environments: Indonesia and Qatar. Using a normative-comparative approach and literature review methodology, this study examines the regulatory frameworks, fatwas, and institutional structures governing Sharia capital markets in both countries. The findings reveal that while both nations uphold the foundational principles of Islamic finance prohibiting riba (interest), gharar (excessive uncertainty), and maysir (speculation) they differ significantly in the operationalization of Sharia compliance. Indonesia relies heavily on the Fatwa of the National Sharia Council (DSN-MUI) and supervision by the Financial Services Authority (OJK), whereas Qatar applies standards from AAOIFI and localized Sharia boards. This study contributes to the growing discourse on Sharia capital market harmonization and provides insights for policymakers to enhance Sharia equity frameworks that align with maqasid al-shariah.
Saving Enthusiasm Education to Improve Financial Literacy for Elementary School Students Anantha, Agung; Siregar, Miftahulzannah; Sirait, Nur Ihsan; Dabariba, Vivi Amelia; Syam, Nur Fadhilah
Communautaire: Journal of Community Service Vol. 4 No. 3 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/communautaire.v4i3.1470

Abstract

This study aims to examine the role of promoting a habit of saving through Saving Habit Socialization activities in improving financial literacy among elementary school students in Prapat Janji Village. The study uses a descriptive-participatory approach with 30 fourth- and fifth-grade elementary school students as subjects. Data collection was carried out through observations, interviews with teachers, parents, and students, as well as documentation during the program implementation. The results of the study indicate that before the program was implemented, only about 50% of students saved regularly, while the majority of students spent their pocket money on snacks. The low habit of saving is influenced by students' limited understanding of the importance of saving, the lack of continuous habituation at school, and minimal guidance from parents. The implementation of Saving Habit Socialization is considered relevant as an educational strategy capable of enhancing students' financial literacy holistically, covering aspects of knowledge, attitude, and financial behavior. This study emphasizes the importance of contextual, practical, and sustainable savings education by involving the roles of schools and families to shape positive financial habits from an early age.
Co-Authors Awaliyah, Annisa Fitri Batubara, Maryam Dabariba, Vivi Amelia Sabila, Wan Shalah Silviany, Ratih Sirait, Nur Ihsan Siregar, Miftahulzannah Syam, Nur Fadhilah