Hidmah : Jurnal Penelitian dan Pengabdian Masyarakat

PRAKTEK SIMPAN PINJAM PADA BUMDESA DI DESA KLUWUT WONOREJO PASURUAN

Jafar Jafar — 2023-09-01

The practice of saving and borrowing in BUMDesa Kluwut Village involves the element of interest, which is considered haram based on Islamic teachings. This transaction has the potential to have a negative impact because it contains elements of Riba. However, a card or savings and loan contract is considered valid if it meets certain pillars and conditions, including muqrid, muqtarid, ijab kabul, and qard. The parties involved in the qard contract are the leaders of BUMDes (as lenders) and the people of Kluwut Village (as borrowers). This agreement was made orally and in writing in the absence of witnesses. In the future, it is recommended that BUMDes switch to sharia-based institutions. This is an important step to ensure that the practice of savings and loans in this village is by sharia principles and can provide maximum benefits to the local community. In addition, this change can also help reduce the negative impact of transactions containing elements of Riba. Thus, the people of Kluwut Village can take advantage of these savings and loan services more safely and by the teachings of their religion.

TINJAUAN FIKIH MUAMALAH TERHADAP PRAKTIK JASA ENDORSE KOSMETIK MS GLOW DI MEDIA SOSIAL

Parmujianto Parmujianto — 2023-09-01

The practice of endorsement services on MS Glow cosmetic products on social media is analyzed from the perspective of muamalah jurisprudence. This practice is considered ijarah or leasing services in Islamic law. Business actors can contact endorsers through various communication channels, such as direct message (DM) or WhatsApp. However, agents, members, or resellers are not involved in the selection of endorsers, which is determined by the central company. Products marketed by MS Glow have obtained a distribution permit from BPOM and halal certification from MUI, showing compliance with safety and halal standards. However, consumers need to better understand their skin type and consult before buying a product, to avoid potential losses. Endorsers are also advised to follow the provisions of Islamic law in doing endorsements, including covering the aurat and behaving politely. Thus, the practice of this endorsement service can run in accordance with the principles of muamalah jurisprudence, while maximizing benefits for all parties involved.