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All Journal JPLED Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review
Shadriyah
Institut Agama Islam Negeri Bone
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Other

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Analysis of the Implementation of Murabahah Contract in Fertilizer Payments with a Post-Harvest Payment Scheme from the Perspective of Islamic Financial Institutions A. Kasmianti; Abdulahanaa; Shadriyah
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 1 (2025): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v5i1.2435

Abstract

This study aims to analyze the implementation of the murabahah contract in post-harvest fertilizer payments in Tadang Palie Village, Ulaweng District, Bone Regency, and to assess it from the perspective of Islamic financial institutions. Murabahah is a sale contract in Islamic banking where the purchase price and profit margin are agreed upon at the start of the transaction. The study uses a qualitative descriptive method, with data collected through observation, interviews, and documentation involving corn farmers. The findings show that post-harvest fertilizer payments are commonly practiced among farmers, providing convenience by allowing them to obtain fertilizer without upfront payment. However, this system carries risks, particularly the possibility of payment default due to uncertain harvest outcomes. From the Islamic financial perspective, the application of the murabahah contract in this scheme is generally in accordance with sharia principles, as it fulfills the pillars and conditions of a valid contract. Still, there are important aspects that require attention, such as price transparency and effective risk management. This research is expected to provide useful insights for academics, farmers, and Islamic financial institutions in understanding the practical implementation of the murabahah contract, particularly in agricultural financing with a post-harvest payment system.
Analysis of Post-Internship Student Interest in Working in Islamic Banks (Study on IAIN Bone Students) Winda; Abd.Rasyid R. R.; Shadriyah
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 1 (2025): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v5i1.2441

Abstract

This research aims to analyze students' interest in working at Islamic banks after completing internships, focusing on students at IAIN Bone. Students' career choices following internships are influenced by various factors, both internal and external. These factors include the alignment between students' personal values and Islamic principles, positive internship experiences, and career prospects offered by Islamic banks. The research employs a qualitative approach with in-depth interviews and observations to explore students' perceptions and motivations. The findings indicate that positive internship experiences, understanding of Islamic values, and alignment between students' personal goals and Islamic banking values play important roles in increasing their interest in working in this sector. Additionally, external factors such as job stability and career opportunities in Islamic banks serve as key drivers. The research suggests that Islamic banks and universities should strengthen internship programs and enhance students' understanding of the Islamic banking sector to attract more qualified talent to work in this field.
Deliberative Inquiry Based Learning Model in Civic Education in Fostering Student’s Civic Engagement Mirwan Fikri Muhkam; Rahmat; Dadang Sundawa; Leni Anggraeni; Shadriyah
Journal of Practice Learning and Educational Development Vol. 6 No. 3 (2026): Journal of Practice Learning and Educational Development (JPLED) in Press
Publisher : Global Action and Education for Society

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58737/jpled.v6i3.1177

Abstract

Through deliberative pedagogy that integrates dialogue and community engagement into teaching, it encourages democratic practices and addresses societal challenges. Deliberative teaching is not just a learning method, but an educational revolution that puts democracy, inclusion, and justice at the core of learning because citizenship requires not only social inclusion, habits, knowledge, and evidence-based reasoning but also argumentation skills. In this study it was found that (1) the deliberative-inquiry model influences students' political attitudes and behaviors and fosters civic engagement, but this must be supported by a rights-respecting and responsive school environment to encourage students' participation indiscussions (2) it can overcome racism that respects equality rights, as well as focus on their reflection and decision-making processes in the classroom (3) as the main framework in democratic discussions both inside and outside the classroom because it can build the character of compromise, actualize citizen participation, and build community.
Co-Authors A. Kasmianti Abd.Rasyid R. R. Abdulahanaa Dadang Sundawa Leni Anggraeni Mirwan Fikri Muhkam Rahmat Winda