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All Journal Contemporary Islamic Economic and Business Review
Amir Amir
UIN Siber Syekh Nurjati Cirebon
Economics, Econometrics & Finance

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Peran dan Implikasi Dewan Pengawas Syariah pada Lembaga Keuangan Mikro Syariah di Indonesia Perspektif Maqashid Syariah Putri Meiliyawati; Alvien Septian Haerisma; Amir Amir
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.1

Abstract

Islamic cooperatives are financial institutions categorized as micro, operating based on Islamic Sharia principles. In carrying out its operations, Islamic cooperatives must ensure that all activities do not conflict with Sharia principles. The role of the Sharia Supervisory Board, as an extension of the DSN-MUI, is crucial in overseeing all cooperative activities. The purpose of this study is to determine the role of the sharia supervisory board and the implications for the realization of maqashid sharia in Kopsyah Harapan Sejahtera UIN Syekh Nurjati Cirebon. This research uses a qualitative method approach. The data collection techniques used were observation, interview, and documentation. The data sources used are primary and secondary data. The results showed that the role of the Sharia Supervisory Board of Kopsyah Harapan Sejahtera has been running optimally, because it has ensured that all cooperative activities and transactions, including fund management, products offered, and operations, are under sharia principles.
Tinjauan Fatwa DSN Terhadap Produk Pembiayaan Pada Pegadaian Syariah Cipto Cirebon Kharisma Aurora; Alvien Septian Haerisma; Amir Amir
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.6

Abstract

This study examines the application of sharia principles in gold pawn products at Pegadaian Syariah Cipto Cirebon. The main issues identified are employees’ limited understanding of DSN-MUI fatwas, discrepancies between fatwa provisions and institutional regulations, and debates over the application of mu’nah (maintenance) fees. Using a qualitative descriptive method with field research through interviews, observations, and document analysis, the study assesses compliance with DSN-MUI Fatwas No. 25, 26, and 92. The findings show that the gold pawn financing mechanism generally complies with sharia principles through the use of hybrid contracts (rahn, qardh, and ijarah) and fair mu’nah fees that avoid riba, gharar, and maysir. However, DPS supervision remains suboptimal due to limited resources and weak coordination. The study recommends strengthening sharia supervision by enhancing DPS competence, aligning SOPs with DSN fatwas, and implementing regular sharia audits to ensure compliance and transparency.
Co-Authors Alvien Septian Haerisma Kharisma Aurora Putri Meiliyawati