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IMPLEMENTASI AKAD MUSYARAKAH DALAM PENDANAAN CROWDFUNDING SYARIAH UNTUK MENDUKUNG PENGEMBANGAN UMKM Fatikah, Berliana Haza; Fathurohman SW, Oman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24792

This research examines the application of the Musyarakah contract in sharia-compliant crowdfunding services as an alternative financing solution for micro, small, and medium enterprises (MSMEs). Sharia crowdfunding, grounded in Islamic principles, provides an inclusive funding mechanism for MSMEs by eliminating elements of usury (riba) and uncertainty (gharar), while ensuring transparency in fund management. The Musyarakah Musahamah agreement, structured as a partnership with proportional profit-and-loss sharing based on capital contributions, is identified as a financing model that aligns well with the needs and characteristics of MSMEs. This research also explores the implementation of this contract, focusing on adherence to sharia principles and transparency in management. Through a literature review and thematic analysis, the study finds that the application of the Musyarakah Musahamah contract in Islamic crowdfunding enhances access to funding for MSMEs, fosters equitable collaboration between investors and entrepreneurs, and has the potential to create a more inclusive and sustainable economic ecosystem. This research underscores the importance of collaboration among regulators, crowdfunding platforms, and MSME stakeholders to optimize the implementation of sharia contracts in promoting economic growth. Keyword : Musyarakah Akad, Crowdfunding, MSME, Financing

PERSPEKTIF ISLAM TERHADAP KARAKTERISTIK APOTEKER MUSLIM GUSTINANDA, RIZKY; Fathurohman SW, Oman
TAJDID: Jurnal Pemikiran Keislaman dan Kemanusiaan Vol 8 No 2 (2024): Oktober
Publisher : LP2M IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/tadjid.v8i2.3172

Farmasi Islam merupakan bidang studi yang meneliti penerapan nilai-nilai Islam dalam praktik farmasi, mengaitkan ilmu kefarmasian dengan aspek-aspek vital seperti kesehatan, hidup-mati, dan bukti akan kebesaran Allah. Tujuan penelitian ini adalah untuk mengetahui seberapa besar pengaruh Islam terhadap ilmu kefarmasian dan karakteristik apoteker muslim. Metode penelitian ini menggunakan studi literature menggunakan data skunder pada berdasarkan kata kunci yang sesuai. Hubungan erat antara Islam dan ilmu kefarmasian mencerminkan tujuan bersama dalam menciptakan kemaslahatan dan menghindari kemudaratan. Islam memberi perhatian khusus pada pengembangan ilmu kefarmasian dalam berbagai aspeknya, didukung oleh kontribusi ilmuwan Muslim terkenal dalam berbagai cabang ilmu kedokteran. Integrasi antara Islam dan ilmu kefarmasian memperkaya pemahaman tentang kesehatan dan pengobatan serta mengajarkan nilai-nilai tinggi dalam praktik farmasi. Apoteker Muslim harus memadukan pengetahuan medis dengan prinsip-prinsip moral dan etika Islam untuk memberikan pelayanan yang optimal kepada pasien, mengutamakan keselamatan dan kesejahteraan mereka.

Strategi Mitigasi Outstanding dalam Skema Pembiayaan BankZiska melalui Penerapan Al-Qardhul Hasan Prasetianti, Isnaeni Gelda; Fathurohman SW, Oman
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 16 No 1 (2024): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v16i1.10001

The increasing outstanding in the al-Qardhul Hasan-based BankZiska financing scheme reflects the gap between the ideals of an interest-free, penalty-free, and solidarity-based program and the reality of potential abuse by partners, such as failure to repay. BankZiska, as a program based on zakat, infaq, and sadaqah funds, aims to help small communities, especially MSME players, free themselves from loan sharks and ribawi practices. The program provides soft loans without additional fees, which are designed in accordance with sharia principles and DSN-MUI fatwas. This study identifies the risk mitigation strategies applied by BankZiska to maintain the sustainability of the financing scheme. A literature study-based qualitative approach is used to analyze the effectiveness of the joint liability system, periodic monitoring, and intensive mentoring. The findings show that these strategies effectively reduce the risk of default, increase the ethos of economic independence, and build community awareness of Islamic economics. The program also has a positive impact on partner empowerment through entrepreneurship training and Islamic financial education. BankZiska is not only a financial solution, but also part of economic da'wah to encourage people's independence.

PENERAPAN NILAI ISLAMI DALAM PELAYANAN FARMASI KLINIS: KAJIAN SISTEMATIS ETIKA, KEHALALAN DAN KEPUASAN PASIEN Rozak, Miftahul; Saraswati, Damai Ira; Fathurohman SW, Oman; Salamah, Nina
JURNAL KAJIAN ISLAM MODERN Vol 12 No 01 (2025): MARET 2025
Publisher : Institut Agama Islam Sahid (INAIS) Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/jkim.v12i01.641

Islamic pharmaceutical and healthcare services represent an innovative approach that integrates Islamic ethical values, such as justice, halal compliance, and patient satisfaction, into clinical practice. However, the application of these values faces challenges, including public knowledge gaps, insufficient training for healthcare professionals, and the lack of unified practice standards. This study employs a systematic review method to analyze relevant literature from the past decade. Literature searches were conducted using PubMed and Google Scholar with keywords such as "Islamic values in clinical pharmacy," "halal pharmaceuticals," and "maqasid shariah in healthcare." Articles meeting inclusion criteria were evaluated following PRISMA guidelines and analyzed qualitatively to identify key findings and research gaps. After the selection process, six articles met the inclusion criteria.. The findings reveal that integrating Islamic values, such as halal pharmaceuticals, Islamic ethics, and sharia-based facilities, significantly contributes to improving pharmaceutical service quality, patient satisfaction, and loyalty among Muslim patients. However, implementation remains constrained by a lack of healthcare professional training, minimal regulations, and incomplete societal perceptions. This review highlights the importance of developing an integrated framework, enhancing public and professional education, and fostering cross-professional collaboration to support the integration of Islamic values in healthcare services. This approach holds great potential to enhance service quality, patient satisfaction, and loyalty while serving as an innovative model for universal healthcare services.

Thrifting Practices as a Form of Sustainable Fashion in Indonesia: A Fiqh Muamalah Analysis Afdhalia, Afifah Nabila; Fathurohman SW, Oman
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 17 No 1 (2025): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v17i1.10025

The practice of thrifting (buying and selling second-hand clothing) is gaining popularity in Indonesia but still faces challenges from Islamic law and environmental sustainability. Ideally, this practice can support the principles of sustainable fashion and meet the requirements of fiqh muamalah. However, some thrifting practices involve illegal imported goods that harm the local industry and violate the provisions of buying and selling. This study aims to analyze the compatibility of thrifting practices with the principles of fiqh muamalah and their impact on environmental sustainability. This article falls under qualitative library research. The methodology used is normative legal study. The research findings show that the sale and purchase of second-hand clothing in thrifting is permissible (mubah) as long as it meets the conditions and requirements of a valid transaction and does not contain harmful elements. If defects in the goods are not disclosed, the transaction becomes invalid, and khiyar (option to cancel) must be exercised. This practice also supports environmental sustainability by reducing textile waste, but it is prohibited if it involves illegal imported goods that contradict national policies and hinder the growth of the local industry.

IMPLEMENTASI AKAD MUSYARAKAH DALAM PENDANAAN CROWDFUNDING SYARIAH UNTUK MENDUKUNG PENGEMBANGAN UMKM Fatikah, Berliana Haza; Fathurohman SW, Oman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24792

This research examines the application of the Musyarakah contract in sharia-compliant crowdfunding services as an alternative financing solution for micro, small, and medium enterprises (MSMEs). Sharia crowdfunding, grounded in Islamic principles, provides an inclusive funding mechanism for MSMEs by eliminating elements of usury (riba) and uncertainty (gharar), while ensuring transparency in fund management. The Musyarakah Musahamah agreement, structured as a partnership with proportional profit-and-loss sharing based on capital contributions, is identified as a financing model that aligns well with the needs and characteristics of MSMEs. This research also explores the implementation of this contract, focusing on adherence to sharia principles and transparency in management. Through a literature review and thematic analysis, the study finds that the application of the Musyarakah Musahamah contract in Islamic crowdfunding enhances access to funding for MSMEs, fosters equitable collaboration between investors and entrepreneurs, and has the potential to create a more inclusive and sustainable economic ecosystem. This research underscores the importance of collaboration among regulators, crowdfunding platforms, and MSME stakeholders to optimize the implementation of sharia contracts in promoting economic growth. Keyword : Musyarakah Akad, Crowdfunding, MSME, Financing

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