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All Journal Innovative: Journal Of Social Science Research AL-SULTHANIYAH Jalujur: Jurnal Pengabdian Masyarakat Jurnal Ilmu Ekonomi dan Bisnis (JUKONI)
Wafa, Faqih El
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Arts Humanities Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Other

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Reconstructing the Concept of Riba from the Perspective of Contemporary Islamic Jurisprudence: An Approach to Modern Islamic Scholars' Thought Faridah , Faridah; Wafa, Faqih El; Rizali , Muhammad
Innovative: Journal Of Social Science Research Vol. 4 No. 6 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i6.15136

Abstract

This study explores the reconstruction of the concept of riba from a contemporary fiqh perspective to understand how modern interpretations can adapt to global economic developments. The primary goal is to compare traditional and contemporary views on riba and analyze the contribution of contemporary thought in the current economic context. The research employs a literature review, including the analysis of works by classical and contemporary scholars and relevant Islamic financial instruments. The findings indicate that contemporary scholars use a more flexible and contextual approach, focusing on justice and the prevention of exploitation. The maqasid al-sharia approach is applied to evaluate financial transactions, enabling the development of innovative Islamic financial instruments like sukuk, mudharabah, and murabahah. These findings have significant implications for both fiqh theory and Islamic financial practice, providing a more dynamic and adaptive framework to meet modern economic needs.
Restructuring of Murabahah Agreement Financing: Case Study at PT Bank Muamalat Banjarmasin Branch Office Rahmawati, Nisa; Wafa, Faqih El; Gafur, Abdul; Faridah, Faridah; Fitriani, Ahda
AL-SULTHANIYAH Vol. 14 No. 1 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i1.3359

Abstract

This research discusses the problematic financing settlement policy regulated by Peraturan Bank Indonesia (PBI) No. 10/18/PBI/2008, Peraturan Otoritas Jasa Keuangan (POJK) No. POJK.03/2019, and Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI) No. 47, 48, 49/DSN/MUI/II/2005. Furthermore, this study analyses the implementation of these policies at Bank Muamalat KC Banjarmasin concerning relevant regulations. This research uses a qualitative approach through field research methodology, with data collection conducted through direct interviews with relevant informants. After collecting the data, the author describes, describes, and analyses the policy and implementation of financing restructuring with murabahah contracts at Bank Muamalat KC Banjarmasin. The results showed that the murabaha contract financing restructuring policy at the bank has been implemented comprehensively and by the provisions contained in PBI No. 10/18/PBI/2008, POJK No. 10/POJK.03/Year 2019, and DSN-MUI Fatwa No. 47, 48, 49/DSN/MUI/II/2005, which includes three main elements: rescheduling, reconditioning, and restructuring (3R).
The Effect Of Service Quality And Customer Experience On Pdam Customer Satisfaction In Patas I Village, Gunung Bintang Awai District, Central Kalimantan Province Norlina; Wafa, Faqih El; Muhammad Rizali; Radiansyah
Jurnal Ilmu Ekonomi dan Bisnis Vol. 2 No. 3 (2025): JUKONI - Oktober
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jukoni.v2i3.899

Abstract

Customer satisfaction is very important for business development. Customer experience refers to the overall customer experience, while service quality is an important factor and the main cause of customer satisfaction. However, there are several problems at the PDAM in Patas 1 Village, namely when customers report damage and request repairs, the response is very slow and may not be responded to at all. When damage or repairs are needed at PDAM, no notification is given, which can take up to 2-3 days to resolve. As a result, the water may have a strong lime/chlorine odor, which could potentially affect customer satisfaction. This study aims to determine whether service quality and customer experience simultaneously and partially affect customer satisfaction. The type of research used is field research with a quantitative approach, using a questionnaire technique for data collection. The population in this study is PDAM customers, with a sample size of 86 respondents. The results of this study indicate that the service quality variable does not have a significant effect on customer satisfaction, in the sense that the better the service quality provided by PDAM Desa Patas 1, the less it affects the satisfaction obtained. Then, the customer experience variable has a positive and significant effect on customer satisfaction, indicating that the more positive the customer experience, the higher their level of satisfaction tends to be. Simultaneously, service quality and customer experience affect customer satisfaction
Pendampingan Peningkatan Literasi Keuangan pada Sekolah Menengah Atas 1 di Desa Paramasan Bawah Kabupaten Banjar Aldi Aditya Sarman; Yusuf Asyahri; Wafa, Faqih El
Jalujur: Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2025): Desember 2025
Publisher : UIN Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/jalujur.v4i2.16278

Abstract

Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk melakukan pendampingan peningkatan literasi keuangan di SMAN 1 Paramasan Bawah, Kabupaten Banjar, serta mengetahui faktor-faktor yang memengaruhi tingkat literasi keuangan siswa. Metode pendampingan yang digunakan adalah Participatory Action Research (PAR), dengan tahapan partisipasi, identifikasi masalah, evaluasi menggunakan pretest dan posttest, serta refleksi dan tindak lanjut. Hasil pendampingan menunjukkan adanya peningkatan signifikan pada skor literasi keuangan siswa setelah pendampingan, dengan rata-rata nilai meningkat dari kategori rendah menjadi sedang-tinggi. Selain itu, faktor-faktor yang memengaruhi literasi keuangan siswa, yaitu jenis kelamin, tingkat pendidikan, dan pendapatan. Secara keseluruhan, hasil PkM tersebut memberikan rekomendasi bahwa perlu adanya pendekatan edukatif partisipatif  dengan melibatkan guru, orang tua, dinas pendidikan dan lembaga keuangan sebagai upaya berkelanjutan dalam memperkuat literasi keuangan di lingkungan sekolah perdesaan.
Co-Authors Ahda Fithriani, Ahda Aldi Aditya Sarman Asyahri, Yusuf Faridah , Faridah Faridah Faridah Fitriani, Ahda Nikmah Nikmah Nisa Rahmawati, Nisa Norlina Radiansyah Rizali , Muhammad Rizali, Muhammad Syamsiar, Syamsiar