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All Journal Jurnal Asy-Syari'ah Al-Buhuts (e-journal)
Ibrahim, Zumiyati S.
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Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

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Increasing Halal Industry MSMEs in Gorontalo through Maqāṣid Asy-Syarī`ah Podungge, Rulyjanto; Darwis, Rizal; Ibrahim, Zumiyati S.; Rahim, Arhjayati; Baharuddin, A. Zamakhsyari; Syarifuddin
Asy-Syari'ah Vol. 27 No. 2 (2025): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v27i2.39577

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are important in fostering economic develop­ment through broad-based community engagement, positioning this sector as a strategic priority for governments. The COVID-19 pandemic caused significant disruptions to the global economy, severely impacting MSMEs. Therefore, this study aimed to examine strategic measures to accelerate the growth and development of MSMEs in the halal industry in Gorontalo City. A field study method was adopted, and primary data were collected through observations, interviews, and documentation, complemented by secondary data from literature. The collected data were analysed using a qualitative descriptive method in the framework of business economics and Maqāṣid Asy-Syarī`ah principles. The results showed that both internal initiatives by MSMEs entrepreneurs and external support from governmental institutions synergise to provide essential moral and material reinforcement. These efforts were critical to the survival and growth of MSMEs and consistent with Maqāṣid Asy-Syarī`ah. Strengthening MSMEs represented a fundamental endeavour in ensuring sustainable economic resilience.
Hybrid Contract pada Lembaga Keuangan Syariah di Gorontalo: Formulasasi dan Penerapannya dalam Produk Syariah Darwis, Rizal; Podungge, Rulyjanto; Gumanti, Retna; Ibrahim, Zumiyati S.
Al-Buhuts Vol. 19 No. 2 (2023): Al- Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i2.7502

Abstract

This study examines the formulation and application of hybrid contracts in Islamic financial institutions in Gorontalo, with a focus on Bank Syariah Indonesia (BSI) and Bank Muamalat Gorontalo Branch. The primary objective of this research is to identify and analyze the types of hybrid contracts applied in Islamic banking products, and to examine how their implementation contributes to the development and innovation of financial products that align with Islamic principles. This research uses a descriptive qualitative approach with data collection methods through in-depth interviews and literature review. The approach includes both fiqh and economic analysis to understand the legal foundations and economic impacts of implementing hybrid contracts in the operations of Islamic banking. The findings show that both Islamic banks apply hybrid contracts in three main forms: Murābaḥah (Bay’ bi Thaman ‘Ājil), Ijārah Muntahiyah bi al-Tamlīk (IMBT), and Musyārakah Mutanāqiṣah. These forms are used in various banking products, such as home ownership financing, vehicle financing, and bank guarantees. The study also reveals that the implementation of hybrid contracts helps Islamic financial institutions meet the growing demand for products that comply with sharia principles, especially amid the economic pressures caused by the Covid-19 pandemic. The application of hybrid contracts not only provides flexibility in financing products but also supports the long-term goals of Islamic financial institutions to enhance financial inclusion and strengthen local economic stability. This research contributes to the development of both theoretical and practical aspects of Islamic banking, particularly related to the use of hybrid contracts as an innovative solution to address contemporary economic challenges.
Co-Authors Arhjayati Rahim Baharuddin, A. Zamakhsyari Retna Gumanti Rizal Darwis Rulyjanto Podungge Syarifuddin