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All Journal ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Al Urwah : Sharia Economics Journal
Gusriandi
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Religion Economics, Econometrics & Finance Education Social Sciences

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A Review of the Role of the Gold Rahn Contract in Islamic Banks in Educating and Boosting the Financial Improvement of the Community Nursania Dasopang; Siti Khadijah Matondang; Gusriandi; Rizka Makhrijan Zebua; Ainun Sarkiyah
Al Urwah : Sharia Economics Journal Vol. 3 No. 1: Sharia Governance and Sustainable Finance: Ethical Transformation in the Digital and G
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i1.408

Abstract

Islamic banks play an important role in providing Islamic financing through the Rahn Emas product, which offers quick liquidity with gold as collateral through the dual Qardh-Ujrah contract. Literature research using a normative-juridical approach aims to analyze the suitability of the Rahn Emas implementation to the DSN-MUI Fatwa No. 25/2002 and No. 26/2002, optimize the potential for financial literacy education, and synthesize contributions to the financial independence of the community from the perspective of maqasid sharia. The population includes normative sharia documents and secondary literature (1992-2025), with a purposive sample of 25-30 sources focused on the context of BSI KC Padangsidimpuan. Instruments consisting of the DSN-MUI fatwa, OJK regulations, and academic literature were analyzed through qualitative content analysis with source triangulation. The results show formal compliance through the separation of Qardh-Ujrah, but substantial issues in the calculation of ujrah are correlated with the loan amount, potentially resembling riba nasi'ah. Rahn Emas functions as a safety net to increase MSME productivity and financial literacy. The conclusion recommends standardization of real-cost-based ujrah, digital literacy workshops, and transparent accounting to strengthen sharia legitimacy and financial inclusion.
Analisis Sistem Kemitraan Usaha Ayam Broiler dalam Perspektif Manajemen Bisnis Syariah (Studi Kasus Kemitraan Peternakan Eka Asenk di Pasaman Timur) Gusriandi; Aidil Alfin
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11702

Abstract

Although broiler farming partnership systems have been widely studied because of their role in increasing farm productivity and expanding farmers’ access to production inputs and marketing, research analyzing their implementation based on the principles of Sharia Business Management, particularly justice, transparency, and syirkah, remains limited. This study aimed to analyze the broiler farming partnership system at Eka Asenk Farm from the perspective of Sharia Business Management. This study employed a qualitative approach with a descriptive design. The research informants consisted of the owner of Eka Asenk Farm, farm employees, and technical service personnel from PT Pokphand, who were selected based on their direct involvement in the implementation of the partnership. Data were collected through observation, interviews, documentation, and a literature review and were subsequently analyzed through data reduction, data display, and conclusion drawing. The results showed that the nucleus–plasma partnership model facilitated farmers through the provision of production inputs, technical assistance, and guaranteed marketing of harvest yields. However, its implementation did not fully reflect the principles of Sharia Business Management because imbalances in profit sharing, limited technical assistance, and farmers’ high dependence on the nucleus company remained. These findings enrich the literature on Sharia Business Management, particularly regarding the application of the concept of syirkah in livestock farming partnerships. This study emphasizes the need to improve transparency, balance rights and obligations, and refine profit-sharing mechanisms to establish partnerships that are equitable, sustainable, and compliant with Sharia principles. Future research is recommended to involve more diverse locations and employ a mixed-methods approach to obtain a more comprehensive understanding.
Co-Authors Ainun Sarkiyah Alfin, Aidil Nursania Dasopang Rizka Makhrijan Zebua Siti Khadijah Matondang