Uncovering the Motivations Behind the Use of the Taqsith Accord at Arrahmah Sharia Consumer Cooperative in South Kalimantan
Keywords:
contract, co-operative, identity, usuryAbstract
This article aims to explore the issues behind Arrahmah Islamic Consumer Cooperative using taqsith or credit contracts in its financing products. Then whether the use of this type of contract is related to the construction of the identity of the Arrahmah Islamic Consumer Cooperative. This article is a qualitative field research. The researcher, in this case, directly extracted data in the field related to the efforts made by the Arrahmah Islamic Consumer Cooperative in maintaining and maintaining their cooperative to be free from usury practices. The research findings state that the background of the Arrahmah Islamic Consumer Cooperative using the taqsith contract, after previously naming it the murabahah contract in financing is due to the encouragement of knowledge of fiqh mumalah delivered by Salafi asatidz. This knowledge is based on the importance of maintaining the shari'a of their institution's operations in order to remain "more shari'a, insha Allah, than other sharia or conventional cooperatives or financing institutions in general." This knowledge can then be considered as a source of community identity that distinguishes them from other cooperatives or financial institutions.References
Anshary, A. H., Faridah, R., Qamaruddin, M., Ma’mun, M. Y., & Aseri, Akh. F. (2023). Positive Attitudes Towards Digital Wallets in Banjarmasin, Indonesia. Dalam T. T. Y. Alabdullah, M. I. Awang, B. Sobirov, M. T. Multazam, & M. D. K. Wardana (Ed.), Proceedings of the International Conference on Intellectuals’ Global Responsibility (ICIGR 2022) (Vol. 750, hlm. 379–388). Atlantis Press SARL. https://doi.org/10.2991/978-2-38476-052-7_42
Apriyanti, H. W. (2018). Model Inovasi Produk Perbankan Syariah di Indonesia. Economica: Jurnal Ekonomi Islam, 9(1), Article 1. https://doi.org/10.21580/economica.2018.9.1.2053
Azhari, F. (2021). The habibs’ polygamy lives with ahwal women (A case study in Banjar regency, South Kalimantan, Indonesia). Kasetsart Journal of Social Sciences, 42 issue 1. https://doi.org/10.34044/j.kjss.2021.42.1.25
Buranatrakul, T., & Swierczek, F. W. (2018). Climate Change Strategic Actions in the International Banking Industry. Global Business Review, 19(1), 32–47. https://doi.org/10.1177/0972150917713371
Davies, H. (Howard) (with Internet Archive). (2010). Banking on the future: The fall and rise of central banking. Princeton : Princeton University Press. http://archive.org/details/bankingonfuturef0000davi
Digital Citizenship of Generation Z in Indonesia: Does Islamic Higher Education Matter? (2023). Journal of Higher Education Theory and Practice, 23(13). https://doi.org/10.33423/jhetp.v23i13.6325
Faridah, R., Mamun, M. Y., Qamaruddin, M., Naimah, & Badrian. (2023). Analysis of Consumer Attitude Towards Online Transportation in Banjarmasin. Dalam T. Suryanto, L. A. Sulejmani, J. Ali, R. Rena, S. Grima, & R. Piryu (Ed.), Proceedings of the International Conference on Sustainability in Technological, Environmental, Law, Management, Social and Economic Matters (ICOSTELM 2022) (Vol. 770, hlm. 54–60). Atlantis Press SARL. https://doi.org/10.2991/978-2-38476-112-8_7
Fong, E. A., & Jr., H. L. T. (2007). Effort, Performance, and Conscientiousness: An Agency Theory Perspective. Journal of Management, 33. https://doi.org/DOI: 10.1177/0149206306298658
Hidayatullah, M. S., Azhari, F., Yusuf, M., & Fadillah, R. (2024). Reconceptualization of Ideal Islamic Bankers in The Sharia Framework (An Effort to Create a Sharia Compliance Ecosystem). Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies, 20(1). https://doi.org/10.18196/afkaruna.v20i1.21393
King, B. (2018). Bank 4.0: Banking Everywhere, Never at a Bank. Wiley. https://doi.org/10.1002/9781119506515
Kumar, V. V. R., Lall, A., & Mane, T. (2017). Extending the TAM Model: Intention of Management Students to Use Mobile Banking: Evidence from India. Global Business Review, 18(1), 238–249. https://doi.org/10.1177/0972150916666991
Kusumadewi, M. R., Aseri, Akh. F., & Seff, S. M. (2024). E-Procurement in the Procurement System for Goods/Services by the Government in Indonesia: Perspective of Saddu al-Dhariah. Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam, 6(1), 101. https://doi.org/10.30659/jua.v6i1.36682
Liu, D., Fang, H., Tang, Y., Mohd Isa, S., & Tang, J. (2023). Intelligent Technology Solutions and Banking Efficiency: The Impacts of Institutional Innovation and Consumer Participation. SAGE Open, 13(2), 21582440231184205. https://doi.org/10.1177/21582440231184205
Makiah, Z., Hasan, N., Aisyah, L., & Sodiqin, A. (2022). A CONVERGENCE IN A RELIGION COMMODIFICATION AND AN EXPRESSION OF PIETY IN HALAL CERTIFICATION. Khazanah: Jurnal Studi Islam dan Humaniora, 20(2), 153. https://doi.org/10.18592/khazanah.v20i2.7113
Mateev, M., Moudud-Ul-Huq, S., & Nasr, T. (2021). Capital Regulation and Market Competition in the MENA Region: Policy Implications for Banking Sector Stability During COVID-19 Pandemic. Global Business Review, 09721509211064442. https://doi.org/10.1177/09721509211064442
McMillan, J. (2015). End of Banking: Money, Credit, And the Digital Revolution. Zero/One Economics. http://www.vlebooks.com/vleweb/product/openreader?id=none&isbn=9783952438527
Melina, F., & Zulfa, M. (2020). Implementasi Pembiayaan Murabahah pada Baitul Mal Wat Tamwil (BMT) Kota Pekanbaru. COSTING : Journal of Economic, Bussines and Accounting, 3(2), 356–364. https://doi.org/10.31539/costing.v3i2.1032
Mubarak, Zaki, Faridah, Rohana, Yuliani, Rahma, & Fong, Michelle. (t.t.). Does Sharia Dormitory Business Unit support Islamic University Sustainability? Market, Financial, and Maqashid Sharia Analysis Faculty of Islamic Economics. 8(1), 37–52.
Ostrovsky, S., Turlakova, N., Obushenko, N., Skorobogatova, A., & Borysocheva, N. (2024). Legal Regulation of Access to Justice During Wartime in Cases Related to The Protection of The Rights, Freedoms And Interests of Military Personnel And Conscripts. Syariah: Jurnal Hukum Dan Pemikiran, 23(2), 107–119. https://doi.org/10.18592/sjhp.v23i2.12238
Prashad, A. (2020). Regulatory Arbitrage and Presence of Foreign Banks: Evidence from the Indian Banking Sector. Global Journal of Emerging Market Economies, 12(3), 303–334. https://doi.org/10.1177/0974910120961571
Saji, T. G., & Paul, D. (2018). Behavioural Intention to the Use of Mobile Banking in Kerala: An Application of Extended Classical Technology Acceptance Model. Metamorphosis, 17(2), 111–119. https://doi.org/10.1177/0972622518792802
Statistik Perbankan Syariah—Januari 2023. (t.t.). Diambil 19 Oktober 2023, dari https://ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Pages/Statistik-Perbankan-Syariah---Januari-2023.aspx
Syafruddin, S., Arfah, Muh., Andayani, E., Sirojuddin, A., & Yolanda, E. (2022). Strategic Management of Islamic Boarding School In Building Student Character. Nidhomul Haq : Jurnal Manajemen Pendidikan Islam, 7(1), 167–173. https://doi.org/10.31538/ndh.v7i1.2237
Tarmizi, E. (2019). Harta Haram Muamalat Kontemporer (20 ed.). Berkat Mulia Insani.
Wajdi, M. F., Barata, F. A., Syami, A. l, Prasetyani, D., Tunjungsari, H. K., Aliyyah, I. H., Fatmawati, E., & Aseri, Akh. F. (2023). Exploring the role of supplier integration, customer integration on operational performance by mediating the SMEs supply chain flexibility. Uncertain Supply Chain Management, 11(4), 1851–1858. https://doi.org/10.5267/j.uscm.2023.6.006
Yusuf, M., Abduh, M. R., & Sofyani, H. (2023). Islamic bank spin-off: A systematic literature review. Journal of Accounting and Investment, 24(2), 355–384. https://doi.org/10.18196/jai.v24i2.17736
