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IMPLEMENTASI AKAD MUKHABARAH DALAM PRAKTEK TESANG GALUNG Wahyuni
Mappideceng:Jurnal Ekonomi Syariah Vol 1 No 1 (2024): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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This jurnal discusses the Implementation of Mukhabarah Contracts in the practice of Tesang Galung in Massewae Village, Duampanua Pinrang District. The purpose of this thesis research is to find out the muzara'ah and mukhabarah contracts in the practice of tesang galung which are based on the form of cooperation between land owners, third parties and managers. The practice carried out by the people of Massewae Village, Duampanua District, is in this tesang galung practice to see the implementation of the muzara'ah and mukhabarah contracts in a system that has blended in with custom. This type of research is qualitative where this research links several parties in it, by directly meeting sources of information in the field, namely the community who practice the tesang galung. The methods used are interviews, observation, documentation. Followed by data analysis to the validity of the existing data in the field. The results of this study are: first, the existing system in the practice of tesang galung includes the form of cooperation and profit sharing between the land owner and cultivator where this form of cooperation is carried out by two parties between the land owner and the second is the implementation, where when the land owner If the cultivator is given to manage their land, then the land owner fully surrenders and will receive profit sharing. And thirdly, the muamalah activity of the tesang galung practice carried out by the people of Massewae Village, Duaampanua Pinrang District, if it is associated with the muzara'ah and mukhabarah contracts, it is clear that this has not been implemented properly, however, there are some who have implemented muzara'ah and forms of cooperation from the tesang galung practice, more closely following the customary system that has blended in with the people of Massewae Village, Duampanua Pinrang District. Because they think that it is fair for them for some people.

Implementasi Prinsip-Prinsip Ekonomi Syariah Pada Koperasi Pondok Pesantren Ittihadul Usrati Wal-Jamaah Ddi Lerang-Lerang Kabupaten Pinrang Sitti Mulyana; Desy Arum Sunarta; Wahyuni
Mappideceng:Jurnal Ekonomi Syariah Vol 1 No 2 (2024): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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Sharia economics emphasizes the importance of balance between worldly and afterlife needs, where every economic activity, including in cooperatives, must be in accordance with Islamic principles. These principles include justice, honesty, responsibility, and freedom from usury, gharar, and maysir. Islam views spiritual and material aspects as an inseparable unity.The sharia cooperative at the IUJ DDI Lerang-Lerang Islamic Boarding School, Pinrang Regency, is a real example of the application of Islamic economics in an educational environment. This cooperative functions as a fair and transparent economic forum, as well as an educational medium for students and the community in applying Islamic values in daily economic activities. Researchers are interested in studying its implementation because of its potential in forming Islamic economic character from an early age.The results of the study show that: 1) The implementation of the principles of Islamic economics in this cooperative has reflected the principles of justice, welfare, and mutual assistance in economic activities, especially in providing business capital to members. 2) Although the cooperative has implemented the principles of Islamic economics.

Analisis Minat Masyarakat dalam Membayar Zakat Secara Online di BAZNAS (Studi Kasus BAZNAS Kabupaten Pinrang) Sri Rahayu; Wahyuni; Andi Bisyriani
Mappideceng:Jurnal Ekonomi Syariah Vol 1 No 2 (2024): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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The development of digital technology encourages innovation in religious services, including zakat payment. BAZNAS Pinrang Regency has provided online zakat payment services to facilitate the community. This study aims to analyze public interest in paying zakat online at BAZNAS Pinrang Regency with a qualitative approach and case study method. Data were obtained through interviews with potential community members as muzakki, BAZNAS administrators, and other related parties, as well as through observation and document analysis. The results showed that community interest still varies. Some people are interested because of the convenience and practicality of the online system, while others continue to choose conventional methods due to habits and limitations in understanding technology. The main obstacles include low digital literacy, limited internet access in some areas, and lack of trust in the online system, so direct payments are considered safer and more convenient for some people.

Analisis Minat Masyarakat Desa Kaballangang Dalam Menggunakan Produk Perbankan Syariah Riza Syaripuddin; Wahyuni; Desy Arum Sunarta
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 1 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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Banks have an important role in the economy, including production, consumption, trade, savings and investment activities. In general, banks are divided into conventional banks and sharia banking. These two types of banks have the main function of collecting funds and distributing funds.This study aims to analyze the interest of the Kaballangang Village community in using Islamic banking products and the factors that influence it. The method used is descriptive qualitative with interview, observation, and documentation techniques. The subjects of the study were people who had or did not have experience using Islamic banking products.The research results show that: 1) The Kaballangang Village Community's understanding of sharia banking is still very limited. Most respondents do not have sufficient knowledge regarding sharia banking principles, systems and products. 2) The Kaballangang Village community's interest in sharia banking products is relatively low. Of the 15 informants interviewed, only 3 people used sharia banking products, while the other 12 preferred conventional banks such as BRI.

Implementasi Fatwa DSN-MUI No.92/DSN/MUI/IV/2014 Tentang Akad Rahn Pada Pembiayaan Wisata Religi Di Pegadaian Syariah Kabupaten Pinrang Putri Hasma; Wahyuni; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 1 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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This study aims to determine the implementation of the rahn contract in financing religious tourism at Pegadaian Syariah UPS Pasar Sentral, Pinrang Regency and its compliance with DSN-MUI Fatwa No.92/DSN-MUI/IV/2024. The method used is qualitative descriptive with observation, interview, and documentation techniques.The results of the study indicate that: 1) the religious tourism financing system based on the rahn contract is a practical sharia solution for people who want to perform the Umrah pilgrimage. This program provides easy access to funds through gold collateral, easy installments, and a safe process that is in accordance with sharia principles. 2) Its implementation is in accordance with the fatwa, with transactions that are free of usury, transparent, and only subject to administration and storage fees. However, there are still obstacles such as low public understanding of the rahn contract and limited gold ownership. Pegadaian Syariah addresses this through education and additional services such as gold savings and gold purchases in installments to increase program accessibility for prospective Umrah pilgrims.

Analisis Tantangan dan Peluang dalam Pengembangan Produk Investasi Syariah (Studi Kasus Di BSI KCP Pinrang) Amaliah Nur Wahida; Wahyuni; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 2 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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Along with the development of the sharia financial industry, especially in the banking sector, sharia investment products have become one of the choices that are increasingly in demand by the public. However, the development of this product cannot be separated from the various challenges that must be faced, both in terms of regulation, understanding, and market competition in the community. This study aims to determine the development, challenges and opportunities of sharia investment products. The type of research used is descriptive qualitative. In its implementation, researchers conducted field visits to collect relevant information from employees of Bank Syariah Indonesia Pinrang Branch. The results of this study are. 1) The development of sharia investment products at Bank Syariah Indonesia focuses on two main products, namely gold installments and deposits. The emphasis on increasing gold installment sales and strengthening deposit products is expected to strengthen the position of sharia banking in the Pinrang Regency area. 2) the challenges in the gold installment program at Bank Syariah Indonesia (BSI) KCP Pinrang are related to the down payment (DP) which is often an obstacle for some customers

Strategi Program Pemberdayaan Desa Dalam Mengembangkan Ekonomi Masyarakat di Dusun Cappakala Kabupaten Pinrang (Perspektif Maqashid Syariah) Nurul Mutmainna; Mustamin B; Wahyuni
Mappideceng:Jurnal Ekonomi Syariah Vol 1 No 1 (2024): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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This study aims to analyze the Village Empowerment Program Strategy in Developing the Community Economy in Cappakala Hamlet, Pinrang Regency based on the Maqāṣid Sharīʿah perspective. The background of this study is the government's efforts through the establishment of Village-Owned Enterprises (BUMDes) to explore village potential and improve welfare, as mandated in Law No. 32 of 2004 and Government Regulation No. 43 of 2014. Cappakala Hamlet has local potential that needs to be managed synergistically by the village government and the community to encourage economic growth. This study uses a descriptive qualitative approach. Primary data sources were obtained through in-depth interviews with the Village Head, Village Secretary, and the community of Cappakala Hamlet. Secondary data were obtained from archives, books, and journals related to community empowerment, economic development, and Maqāṣid Sharīʿah. Data analysis was carried out through data collection, data reduction, data presentation, and drawing conclusions. The results of the study indicate that the village empowerment program strategy in Cappakala Hamlet seeks to establish BUMDes with business units such as BRI Link, sewing groups, and savings and loans. This strategy was developed by integrating the principles of Maqāṣid Sharīʿah (maintenance of religion/din, soul/nafs, reason/‘aql, descendants/nasl, and wealth/māl). The implementation of the Maqāṣid Sharīʿah perspective is realized through: (a) Sustainable Economic Empowerment (Property) through sharia-based MSMEs; (b) Increasing Access to Education and Skills (Intellect) through technical training; (c) Increasing Social and Health Welfare (Soul); (d) Maintaining Religion and Spirituality (Religion) through worship development and access to sharia banking; and (e) Developing Supporting Infrastructure (Descendants). Overall, this strategy is aimed at creating comprehensive, sustainable community welfare in accordance with Islamic values.

Analisis Pemasaran Syariah dalam Meningkatkan Nasabah Produk BSI OTO Pada Bank Syariah Indonesia KCP Pinrang Nasriani; Wahyuni; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 2 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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BSI OTO is a motor vehicle financing service product (cars and motorbikes). This research aims to analyze Sharia Marketing in increasing customers for BSI OTO products. The method used is qualitative with interview techniques, observation and documentation. The research subjects were sharia bank employees and customers of BSI OTO KCP Pinrang. The results of the study indicate that: 1) The BSI OTO Product System at Bank Syariah Indonesia KCP Pinrang uses the murabahah contract, which is a buying and selling scheme where the bank buys vehicles from dealers and resells them to customers at an agreed price, including a profit margin. 2) The sharia marketing strategy implemented by Bank Syariah KCP Pinrang in increasing the number of BSI OTO product customers is quite effective. This strategy includes promotion, distribution of brochures, socialization, and utilization of social media.

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