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All Journal Et-Tijarie: Jurnal Hukum dan Bisnis Syariah Santri: Journal of Student Engagement
Indien Winarwati
Universitas Trunodjoyo Madura
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Optimalisasi Pengelolaan Badan Usaha Milik Desa (Bumdes) dalam Mewujudkan Desa Kreatif di Desa Pademawu Timur Pamekasan Indien Winarwati; Achmad Syarifudi; Moh Karim; Tri Pujiati; Achmad Badarus Syamsi
Santri : Journal of Student Engagement Vol. 5 No. 1 (2026): Santri : Journal of Student Engagement
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/santri.v5i1.2511

Abstract

This Community Service Program (Pengabdian kepada Masyarakat/PKM) focuses on strengthening the regulatory framework and management capacity of Village-Owned Enterprises (BUMDes) as a strategic instrument for local economic development. The program aims to optimize BUMDes management in fostering a creative, tourism-based village in Pademawu Timur Village, Pamekasan Regency. The main challenges faced by the community partner include limited understanding among BUMDes managers and village stakeholders regarding the roles, governance mechanisms, and regulatory foundations of BUMDes in supporting social services and sustainable village economic development. The program employed a participatory and sustainable community development approach involving 28 participants, consisting of BUMDes managers, village officials, local MSME actors, and community representatives. The activities were implemented through three sequential stages: (1) socialization of BUMDes roles and regulatory frameworks; (2) educational sessions on BUMDes governance, collaborative governance, and the entrepreneurial ecosystem; and (3) training and mentoring on optimizing BUMDes management through the integration of village tourism potential and local MSMEs. The results indicate a significant improvement in participants’ awareness and understanding of BUMDes as a village economic institution oriented not only toward profit generation but also toward community empowerment, professional governance, and business sustainability. This program is expected to strengthen BUMDes institutional capacity, promote the development of competitive village-based tourism, and contribute to inclusive and sustainable improvements in community welfare and the local village economy.
Maqāṣid al-Sharī'ah's Criticism of the Practice of Hybrid Contracts in Islamic Financial Institutions in Indonesia Abd Rohman; Ach Mus'if; Khoirun Nasik; Indien Winarwati; Dwi Fidhayanti
Et-Tijarie Vol 11, No 1: Juni 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v11i1.35350

Abstract

The rapid development of Islamic financial products in Indonesia has increased the use of hybrid contracts (al-'uqūd al-murakkabah), raising concerns over their conformity with the substantive objectives of Islamic law. This study aims to analyze the implementation of hybrid contracts in Islamic financial institutions from the perspective of maqāṣid al-sharī'ah and to formulate a reconstruction of their conceptual framework. This research employs a qualitative approach with a normative-critical method. Data were collected through a literature review of classical Islamic legal sources, contemporary scholarly publications, and relevant Indonesian regulations governing Islamic finance. The findings reveal that the implementation of hybrid contracts remains predominantly driven by a legal-formal approach, emphasizing contractual validity rather than the realization of maqāṣid al-sharī'ah. In many cases, the contractual structures closely resemble conventional financial mechanisms and potentially constitute ḥīlah (legal stratagems), thereby weakening the principles of justice, transparency, and social welfare. The study argues that the current practice has not fully achieved the objectives of Islamic finance, particularly in promoting distributive justice and public benefit (maṣlaḥah). Accordingly, it proposes a maqāṣid-based reconstruction of hybrid contracts that prioritizes substantive justice, transparency, and welfare-oriented financial practices
Co-Authors Abd Rohman Ach Mus'if Achmad Badarus Syamsi Achmad Syarifudi Dwi Fidhayanti Khoirun Nasik Moh Karim Tri Pujiati