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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa) Journal of Shariah Economics Simfoni: Jurnal Sains dan Sosial Multidisipliner
Nurul Inayah
Universitas KH. Mukhtar Syafaat Blokagung Banyuwangi
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Konsep Manajemen Jasa Perbankan Syariah dari Perspektif Mazhab Hanafi Heri Kuncoro Putro; Nurul Inayah
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.895

Abstract

Islamic Banking Services must be carried out beyond the expectations of the customers served. This is done to increase customer trust in Islamic Banking institutions. Service management aims to improve the quality of service so that customers feel satisfied and have an impact on customer loyalty. The Hanafiyah Mazhab a legal basis for muamalah practices and plays a crucial role in maintaining sustainability and trust in the Islamic banking industry. This article examines the concept and application of Islamic banking service management from the perspective of the Hanafiyah Mazhab. Through a qualitative method approach with descriptive analysis, researchers explore several sources of literature on service management conveyed in the Hanafiyah Mazhab. Data sources from the Al-Quran and Hadith as well as classical books of the Hanafiyah Mazhab. The results of this study state that in the Hanafiyah Mazhab, Islamic banking services must reflect the values ​​of justice, trust and ihsan. Islamic banks need to continue to innovate in presenting services that meet sharia principles by following the development of technological advances in the digital era. The Hanafiyah Mazhab perspective provides a strong legal basis for sharia-based services.
Akad Ijarah Dalam Pembiayaan Pegadaian Syariah: Analisis Terhadap Fatwa Dsn-Mui No. 25/DSN-MUI/III/2002 Muhamad Annas; Nurul Inayah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4444

Abstract

This study examines the implementation of ijarah contracts in sharia pawn financing by referring to the provisions of DSN-MUI Fatwa No. 25/DSN-MUI/III/2002 on rahn. Normatively, the fatwa stipulates that ijarah fees for maintenance and storage of collateral may not be determined based on the amount of financing provided. However, in practice, sharia pawn institutions often apply ijarah tariffs that vary according to the size of the loan, raising questions regarding their compliance with sharia principles. This research employs a normative juridical method with statutory and conceptual approaches, using DSN-MUI fatwas and relevant legal literature as primary and secondary legal materials. The findings indicate that the determination of ijarah fees in sharia pawn financing is still linked to the amount of financing disbursed, rather than to the actual cost of storage and maintenance of the collateral. Consequently, such practices are not fully aligned with the normative provisions of sharia law as regulated by DSN-MUI. This study contributes to the development of sharia economic law by providing a normative evaluation of ijarah implementation in contemporary sharia pawn practices and offering a basis for regulatory and institutional improvements.
The Role of Sharia-Compliant Investment in Promoting MSME Growth in Indonesia: An Integrative Literature Review Nurul Inayah; Lukman Hakim
SIMFONI: Jurnal Sains dan Sosial Multidisipliner Vol. 1 No. 3 (2026): Mei 2026
Publisher : Divisi Penelitian Yayasan Simfoni Ilmu Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65430/jssm.v1i3.63

Abstract

Micro, Small, and Medium Enterprises (MSMEs) hold a strategic position in the Indonesian economy, yet they still face gaps in access to capital, low financial literacy, limited managerial capacity, and uneven technology adoption. This article aims to analyze the role of Islamic (sharia) investment in driving MSME growth through the integration of commercial finance, Islamic social finance, financial technology, and the strengthening of the business ecosystem. The study employs an integrative literature review, examining scientific articles, books, regulations, and official reports from the Financial Services Authority (OJK), Bank Indonesia, BAZNAS, and government bodies. The literature was selected based on its relevance to MSME financing, Islamic microfinance, productive zakat, waqf, financial inclusion, and digitalization. The findings reveal four main pathways of contribution. First, murabahah, mudharabah, musyarakah, ijarah, and salam contracts provide capital alternatives linked to real economic activity. Second, productive zakat, cash waqf, and qard hasan can serve as initial capital and graduation instruments for vulnerable business actors. Third, Islamic fintech expands outreach, lowers transaction costs, and supports digital record-keeping and marketing. Fourth, the success of Islamic investment depends on synergy among regulation, literacy, mentoring, governance, halal certification, and market access. The main obstacles include low sharia financial inclusion, information asymmetry, weak business record-keeping, the dominance of trade-based financing, and the lack of integration between commercial and social finance. This article recommends a staged Islamic investment ecosystem model that aligns instruments with the developmental stage of MSMEs.
Co-Authors Heri Kuncoro Putro Lukman Hakim Muhamad Annas