cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Nurul Inayah
Contact Email
nurulinayah@uinsu.ac.id
Phone
+6281362513147
Journal Mail Official
jurnalwelfare@uinsu.ac.id
Editorial Address
Fakultas Ekonomi dan Bisnis Islam UIN Sumatera Utara Medan Jln IAIN No 1 Sutomo Ujung
Location
Kota medan,
Sumatera utara
INDONESIA
Journal of Islamic Economics and Finance
Published by Universitas Islam Negeri Sumatera Utara
ISSN : -     EISSN : 2988201X     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
• Islamics Economics Currencies Issues • Islamic Banking level of Analysis • Islamic Finance • Adopt an inter-diciplinary • Integrates Islamic Finance dan Banking of technology • New Product and Process Islamic Banking and Finance • Islamic Finance and Banking Policy
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 32 Documents
 1   2   3   4 
Konsep Rahn Dalam Perbankan Syariah Dan Implementasinya Dalam Lingkungan Sekitar laili, Syifatul; Hastriyana, Anna Zakiyah
WELFARE: Journal of Islamic Economics and Finance Vol 4, No 1 (2025)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

One of the financial instruments in Islamic banking is the rahn (pawn) contract, which enables individuals to obtain funds by pledging valuable assets in accordance with Sharia principles, without involving interest (riba). The aim of this contract is to prevent usury, especially among the lower-middle-class community, and to offer a more equitable financing alternative. In a rahn contract, the person pledging the asset is referred to as rahin, while the lender is known as murtahin. The pledged asset, called marhun, must be movable and possess value. In case of the debtor's default, the Islamic financial institution, acting as murtahin, has the right to sell the pledged asset. Sharia requirements such as ijab qabul (offer and acceptance) and clarity regarding the loan amount and repayment method ensure the contract's validity. Fatwas from institutions like the Indonesian Ulema Council (MUI) serve as guiding principles. Practically, the rahn contract provides the community with quick and secure financing. However, a lack of understanding and limited resources present challenges to its development. Therefore, acquiring knowledge of the rahn contract is essential to ensure its benefits for society. By adhering to Sharia principles, the rahn contract not only offers financial solutions but also contributes to the country's economic growth. Consequently, the Islamic financial system has the potential to integrate religious principles with contemporary economic practices in a fair and sustainable manner. 
Pegadaian Syariah di Tengah Digitalisasi: Peluang dan Tantangan Findiani, Firnanda; Fadilah, Nurul; A, Fira Juni; Latifah, Fitri Nur
WELFARE: Journal of Islamic Economics and Finance Vol 4, No 1 (2025)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

As digitalization develops in Indonesia, Pegadaian Syariah is undergoing significant transformation. This study investigates the opportunities and challenges of Pegadaian Syariah in maintaining sharia principles and enhancing financial inclusion through digital innovation. Low digital literacy in the community, regulatory constraints, and competition with conventional financial institutions are the main challenges. These constraints limit the effectiveness of using services, such as the digital Pegadaian Syariah application, which is designed to make transactions easier. Digitalization, this opens up great opportunities, such as expanding services to remote areas, increasing operational efficiency, and supporting the empowerment of small and medium enterprises (MSMEs) through productive financing. Pegadaian Syariah can increase public trust and knowledge about sharia-based services by implementing cross-sector collaborative strategies and digital education. The descriptive method is used in this research to provide a comprehensive overview of how Pegadaian Syariah has been adapted to the current times. By optimally utilizing current technology, Pegadaian Syariah has the opportunity to become a pioneer in the digitalization of Islamic finance in Indonesia. 

Page 4 of 4 | Total Record : 32

 1   2   3   4 

Filter by Year

2022 2025


Reset
Filter By Issues
All Issue Vol 4, No 1 (2025) Vol 3, No 2 (2024) Vol 3, No 1 (2024) Vol 2, No 2 (2023) Vol 2, No 1 (2023) Vol 1, No 2 (2022)