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All Journal JURNAL PENDIDIKAN IPS Jurnal Kelautan dan Pesisir The Indonesian Journal of Islamic Economics Research
Muhammad Azkar
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Jerat Riba di Era Digital: Analisis Pinjaman Online Ilegal dalam Perspektif Ekonomi Islam Ahmad Zubaidi; Muhammad Azkar
JURNAL PENDIDIKAN IPS Vol. 15 No. 3 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpi.v15i3.2864

Abstract

Maraknya praktik pinjaman online ilegal di Indonesia telah menimbulkan berbagai dampak negatif, terutama karena unsur riba yang terkandung di dalamnya. Layanan pinjaman digital ini sering menetapkan bunga tinggi, biaya tersembunyi, serta denda keterlambatan yang tidak proporsional, sehingga menjerat masyarakat dalam siklus utang yang sulit diputuskan. Selain dampak ekonomi, korban pinjol ilegal juga mengalami tekanan psikologis akibat intimidasi, pelanggaran privasi, serta ancaman dari debt collector. Fenomena ini menunjukkan adanya celah dalam sistem keuangan yang tidak mampu memberikan akses pembiayaan yang adil dan berlandaskan nilai moral. Penelitian ini bertujuan untuk menganalisis praktik pinjaman online ilegal dalam perspektif ekonomi Islam, serta menawarkan solusi berbasis prinsip syariah. Penelitian menggunakan metode kualitatif-deskriptif dengan pendekatan studi pustaka terhadap berbagai sumber ilmiah, fatwa, regulasi, serta laporan lembaga terkait. Hasil penelitian menunjukkan bahwa pinjol ilegal mengandung unsur riba yang jelas dan sangat bertentangan dengan prinsip keadilan, tolong-menolong (ta’awun), dan larangan eksploitasi dalam Islam. Riba dalam pinjol ilegal menyebabkan akumulasi kekayaan pada segelintir pihak dan memperdalam ketimpangan sosial. Penelitian ini merekomendasikan perlunya penguatan literasi keuangan syariah, pengembangan layanan Qard Hasan, serta optimalisasi zakat, infak, dan sedekah sebagai alternatif pembiayaan halal. Selain itu, sinergi antara pemerintah, OJK, MUI, dan lembaga keuangan syariah sangat penting untuk melindungi masyarakat dari jerat riba di era digital.
Establishment of PT. Ulil Albab Management in Community Empowerment Efforts Samsul Hady; Ahmad Amir Aziz; Muhammad Azkar
JURNAL PENDIDIKAN IPS Vol. 15 No. 1 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpi.v15i2.2930

Abstract

Community empowerment is an important strategy in an effort to reduce social inequality and improve the quality of life of the community. This article discusses the establishment of PT. Ulil Albab Management as an empowerment model based on Islamic values ​​and the principle of sustainability. PT. Ulil Albab Management was established with the aim of empowering the community through the development of local economic capacity, especially in the micro, small, and medium enterprises (MSMEs) sector. The method used in this study is a qualitative approach with a field study type, so that data collection related to PT. Ulil Albab Management's efforts in community empowerment is carried out through observation, interviews, and documentation. The results of this study indicate that the existence of PT. Ulil Albab Management is not only oriented towards increasing income, but also emphasizes the instillation of Islamic values ​​such as prioritizing business halalness, sharia transactions, profit sharing, and financial management as the main foundation in every economic activity carried out. In terms of community empowerment, the existence of PT. Ulil Albab Management plays an important role in the process of improving skills, developing businesses, and strengthening local economic networks. Therefore, this study is expected to be able to provide knowledge about the importance of integration between community empowerment strategies and professional business management.
Application of Istishna to buying and selling furniture (case study of Sambi Tereng gallery shop) Amelia Jannati, Rizka; Ahmad Amir Aziz; Muhammad Azkar
Indonesian Journal of Islamic Economics Research Vol. 6 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijier.v6i2.2114

Abstract

This study aimed to determine the application of istishna' in buying and selling furniture at the Sambi Tereng Gallery Shop. The approach used in this research is a qualitative approach which produces descriptive data. Data collection techniques in this research used observation, interviews and documentation. The informants in this research consisted of 1 key informant, 3 main informants, and 3 additional informants. The technique for checking the validity of the data used by the author in this research was the triangulation technique. The results of this research show that the application of istishna' in buying and selling furniture at the Sambi Tereng Gallery Shop has been applicated in accordance with the pillars and requirements of istishna'.
IDENTIFIKASI TUTUPAN TERUMBU KARANG DI PANTAI WISATA PULAU LEMUKUTAN KABUPATEN BENGKAYANG Muhammad Azkar; Zan Zibar; Dahlia Wulan Sari
JKP - Jurnal Kelautan dan Pesisir Vol. 1 No. 1 (2024)
Publisher : Program Studi Ilmu Kelautan, FIPAK, Universitas OSO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67240/jkp11202413-23

Abstract

The coral reef ecosystem in West Kalimantan is mostly found on the Lemukutan Island Tourism Beach, Bengkayang Regency. Lemukutan Island has an area of 1,235 Ha and has potential marine resources that can be developed and utilized by the surrounding community and the government. The aim of this research is to determine the percentage of coral cover in Surau Bay and Cina Bay. The research used the Underwater Photo Transect (UPT) method with a line transect of 50 m and a square transect measuring (58 x 44) cm². The photo shoot results were then analyzed using Coral Point Count with Excel Extensions (CPCE) computer software to obtain coral cover data and coral lifeform categories. The research results for stations 1 and 2 show Hard Coral (HC) cover of 43.80% and 35.33%. HC cover at both stations is in the medium category. The percentage of Dead Coral (DC) for stations 1 and 2 is 21.73% and 19.40%. There are several coral lifeforms in the observation area, namely Acropora Branching (ACB), Acropora Tabulate (ACT), Coral Heliopora (CHL), Coral Mushroom (CMR), Coral Encrusting (ACE), Coral Foliose (CF), and Coral Massive (CM).
Co-Authors Ahmad Amir Aziz Ahmad Zubaidi Amelia Jannati, Rizka DAHLIA WULAN SARI Samsul Hady Zibar, Zan