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Mukh Nursikin
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INSANI: Jurnal Ilmu Agama dan Pendidikan
Published by Yayasan Pendidikan Islam AN NUR INSANI
ISSN : 29886147     EISSN : 29883903     DOI : https://doi.org/10.70424/insani.v1i1.1-17
Core Subject : Religion, Education,
Religion Education Other
INSANI: Jurnal Ilmu Agama dan Pendidikan adalah jurnal ilmiah yang dikelola oleh Yayasan Pendidikan Islam (YPI) AN NUR INSANI. Tujuan utama dari jurnal ini adalah untuk menerbitkan karya-karya ilmiah di bidang ilmu agama dan pendidikan. Scope dari jurnal INSANI meliputi kajian-kajian spesifik di bidang ilmu agama, pendidikan, humaniora, sosial keagamaan, dan kepesantrenan. Jurnal INSANI terbit sebanyak 2 kali dalam setahun pada bulan Juni dan Desember.
Arjuna Subject : Ilmu Sosial - Pendidikan
Articles 43 Documents
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Philosophical Distinction of Tabarru' (Wadiah) and Muawadhah (Sale and Purchase) Contracts: Analysis of Mawdu'i Interpretation and Its Implications for Modern Islamic Banking Products Vico Dwi Yustianto; Saberi Othman; Bayram Costu
INSANI: Jurnal Ilmu Agama dan Pendidikan Vol 4 No 1 (2026): Vol 4 No 1 (2026): INSANI: Jurnal Ilmu Agama dan Pendidikan
Publisher : Yayasan Pendidikan Islam (YPI) AN NUR INSANI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70424/insani.v4i1.138

Abstract

This study aims to fundamentally distinguish the concepts of Wadiah (deposit) and Bay’ (sale and trade) through the perspective of Al-Qur'an and Hadith studies. In modern Islamic banking practices, the boundaries between Wadiah which serves as a social contract of safekeeping and Bay’ which focuses on commercial profit are often blurred, particularly in savings products that offer bonuses resembling investment returns. Utilizing a qualitative method with a Tafsir Mawdu'i (thematic exegesis) approach, this research analyzes verses and traditions related to amanah (trust) and tijarah (trade). The study employs content analysis to examine classical interpretations (Turats) and juxtapose them with contemporary financial practices. The findings reveal that the Al-Qur'an establishes a strict ontological separation between safekeeping and exchange contracts. Wadiah is constructed upon the preservation of assets without the guarantee of return, whereas Bay’ is permissible only under the principle of mutual consent and risk-taking. This research implies that hybrid contracts in Islamic banking must be re-evaluated to ensure they do not violate the core textual evidences (Nash), preserving the sanctity of Wadiah from hidden usurious elements found in profit-seeking transactions.
Risk Mitigation of Asymmetric Information in Mudharabah and Musyarakah Financing for SMEs: A Comparative Study of BSI and BMT in Salatiga Eka Wahyu Priyo W; Aep Saepudin
INSANI: Jurnal Ilmu Agama dan Pendidikan Vol 4 No 1 (2026): Vol 4 No 1 (2026): INSANI: Jurnal Ilmu Agama dan Pendidikan
Publisher : Yayasan Pendidikan Islam (YPI) AN NUR INSANI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70424/insani.v4i1.144

Abstract

This study aims to compare risk mitigation strategies for asymmetric information in Mudharabah and Musyarakah financing for MSMEs implemented by Bank Syariah Indonesia (BSI) Salatiga Branch and BMTs in Salatiga. This research employs a qualitative approach with a comparative case study design. Data were collected through in-depth interviews with financing officers and managers, analysis of financing procedure documents, and observation of customer monitoring practices. The findings show that BSI emphasizes structural mitigation through feasibility analysis, collateral substitutes, financial reporting, and digital monitoring systems. In contrast, BMTs rely more on cultural mitigation through personal approaches, social reputation, intensive mentoring, and spiritual values. The comparison indicates that structural mitigation is stronger in terms of procedural certainty and asset protection, while cultural mitigation is more adaptive to the informal characteristics of micro-enterprises. This study concludes that a hybrid model combining banking prudential standards and community-based supervision may strengthen profit-sharing financing for MSMEs.
Islamic Teachings on Working: Reflections of Surah Al-Qashash verse 73, Al-Jumu'ah verse 10, and Fathir verse 12 Arlin Apriska Meisarah; Syuhud Syuhud
INSANI: Jurnal Ilmu Agama dan Pendidikan Vol 4 No 1 (2026): Vol 4 No 1 (2026): INSANI: Jurnal Ilmu Agama dan Pendidikan
Publisher : Yayasan Pendidikan Islam (YPI) AN NUR INSANI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70424/insani.v4i1.146

Abstract

This study aims to analyze the Islamic concept of work based on Surah Al-Qashash verse 73, Surah Al-Jumu'ah verse 10, and Surah Fathir verse 12. This research employs a qualitative method with a thematic interpretation approach and library research. Data were collected from the Qur'an, tafsir literature, books, and relevant scholarly articles. The findings reveal that work in Islam is considered both an act of worship and a responsibility of human beings as God's vicegerents on earth. These verses emphasize the importance of managing time effectively, earning lawful income, and utilizing natural resources responsibly. The values embedded in these teachings include sincerity, honesty, responsibility, professionalism, and balance between worldly and spiritual life. The implementation of these values can foster an Islamic work ethic that is productive and oriented toward divine blessings.

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