Rashid
Vol. 1 No. 2 (2025): Rashid : Journal of Economic

Konsep Akad Qard Alhasan dalam Pengembangan Pembiayaan Pedidikan di Bank Mini Syariah UIN Sunan Ampel Surabaya

Najlatus Syarifah Roihana (Universitas Islam Negeri Sunan Ampel Surabaya Jawa Timur)
Siti Alfia Nur Rohmayanti (Universitas Islam Negeri Sunan Ampel Surabaya Jawa Timur)



Article Info

Publish Date
22 Dec 2025

Abstract

 The Qard-Al Hasan contract is a form of sharia-compliant financing that focuses on social aspects and benefits. In the development of educational funding at Bank Mini Syariah UIN Sunan Ampel Surabaya, this contract plays a crucial role as an alternative option that complies with sharia principles to meet the educational funding needs of underprivileged communities. This article aims to explain the meaning and application of the Qard-Al Hasan contract in the context of developing educationalfinancing. Through a literature review and conceptual analysis, it was found that this contract not only provides financial benefits such as cost efficiency but also increases public trust and loyalty to Islamic financial institutions. The main challenges faced include credit risk and a lack of public information about the benefits and how this contract works. With strategic implementation and appropriate education, the Qard-Al Hasan contract can be an effective tool in supporting the sustainability of sharia-compliant educational financing and strengthening the role of Islamic financial institutions in society.

Copyrights © 2025






Journal Info

Abbrev

aje

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

Description

Rashid: Journal of Economic adalah jurnal penelitian yang ditinjau oleh rekan sejawat yang menerima manuskrip di bidang Ilmu Manajemen, Ekonomi, Makroekonomi Islam, Makroekonomi, Ekonomi Syariah, Keuangan Syariah, dan Manajemen Operasional dan ...