Zhafir: Journal of Islamic Economics, Finance, and Banking
Zhafir: Journal of Islamic Economics, Finance, and Banking, which is published twice a year, always places Islam and Muslims as the main focus of academic inquiry and invites comprehensive observations of Islam as a theological belief and system of society and Muslims for those who practice this religion. . This journal, which functions as a forum for Islamic studies in Indonesia and other parts of the world in dealing with local and global contexts, supports studies that focus on specific themes and Islamic economic studies. Zhafir becomes a medium for the diffusion and exchange of ideas and research findings, so that researchers, writers and readers from various learning traditions interact with each other scientifically.
PENGARUH HARGA, KUALITAS LAYANAN DAN PRODUK TERHADAP KEPUTUSAN PEMBELIAN KPR
The demand for houses increases very rapidly every year, largely due to the increase in population. There are several factors that influence the decision to purchase a mortgage, namely price, quality of service and product. The population in this research is BTN Syariah KCPS Jombang customers who purchased KPR between 2021-2022. The sample was determined using purposive sampling which obtained 76 respondents. Questionnaires were used to collect data and then used multiple linear regression analysis with the help of SPSS version 22. Research findings showed that price and service quality partially influenced purchasing decisions. However, the product has no influence on purchasing decisions. Simultaneously, mortgage purchasing decisions are influenced by price, service and product quality. This research has strategic implications for BTN Syariah KCPS Jombang in improving the quality of services and products as well as affordable prices to increase mortgage purchasing decisions. This can help BTN Syariah KCPS Jombang increase market share and increase customer satisfaction
Copyright (c) 2024 Jihan Nur Laili Nuzula, Peni Haryanti https://creativecommons.org/licenses/by/4.0/
TAFSIR AYAT REZEKI, LABA, RUGI INTERPRETATION OF FORTUNE VERSES, PROFIT AND LOSS
Human life on this earth has been arranged by Allah SWT, humans try to fulfill their basic needs such as clothing, food, shelter. In an effort to meet the needs of his life can not be separated from the power of Allah SWT who has created the earth and everything in it. Every creature on this earth has been determined sustenance by Allah SWT. The sustenance that is obtained can be in the form or not in form, dzharir or mind. Humans try to fulfill their needs by trying to make an effort and pray to Allah SWT, as the Substance that creates creatures and everything in them. The management of the sustenance that Allah SWT gives if it is managed properly will result in goodness, luck or profit and vice versa if the management of the sustenance that Allah SWT gives is not good then there will be losses or losses, but all of that cannot be separated from the Power and Will of Allah SWT
Copyright (c) 2023 Azmi Ismail, Ety Herawaty https://creativecommons.org/licenses/by/4.0/
PERTUMBUHAN EKONOMI DAN SOSIAL: REINVENTING PENATAAN DESAIN DAN MANAJEMEN PROGRAM PENANGGULANGAN KEMISKINAN DALAM PERPEKTIF ISLAM
Social welfare development needs to be understood as an integral part of national development. Therefore, social welfare development also makes a real contribution to achieving national development programs, namely economic growth, social stability and environmental sustainability. Economic growth can be achieved by empowering the community in the dimensions of policy formulation, which include: educational dimensions, participation dimensions, environmental dimensions, cultural dimensions and gender equality dimensions; b) Community empowerment in the physical dimension, which includes: dimensions of clothing, food, housing and basic infrastructure, and c) Community empowerment in the non-physical dimension, which includes: spiritual dimensions, self-existence, social politics, happiness and actualization. This implementation effort is based on ethics and the principle of upholding justice. Apart from that, community empowerment can also be done by developing halal tourism. Reinventing is carried out starting from structuring program design and management (especially poverty alleviation programs), human resources and budget allocation, as well as control from the center to the regions.
Copyright (c) 2023 Imron Natsir, Ahmad Ali, Farhan Jamil https://creativecommons.org/licenses/by/4.0/
INFLASI DITINJAU DARI EKONOMI KONVENSIONAL DAN EKONOMI ISLAM: TANTANGAN STABILITAS MATA UANG RUPIAH
Inflation is a state of rising prices of goods and services that apply periodically for a certain period of time. The increase in goods and services affects the value of money which also affects the monetary system of a country. Inflation is closely related to the theory of supply and demand, as well as the amount of money in circulation. Inflation is an indicator of the rate of economic growth so that it is always tried to be low and stable so as not to cause macroeconomic diseases that will later have an impact on economic instability. This study discusses the definition, types, causes of inflation and inflation from the perspective of Islamic economics. Inflation is an important economic indicator, the growth rate is always low and stable so as not to cause macroeconomic diseases that will later have an impact on instability in the economy. The government can reduce the rate of inflation in several ways, namely monetary policy, fiscal policy, and non-monetary policy and non-fiscal policy. In Islamic economics, inflation is basically unknown, because the currencies used are dinars and dirhams which use gold and silver standards so that they have a stable value. In the time of the Prophet PBUH, price increases occurred due to drought and war. This means that the price increase that occurs is not due to the power or control of human actions
Copyright (c) 2022 Surono, Imron Natsir, Irma Hany https://creativecommons.org/licenses/by/4.0/
FINANSIAL TEKNOLOGI SYARIAH & BANK DIGITAL: KENDALA DAN TANTANGAN PENGEMBANGAN FINTECH SYARIAH DI INDONESIA
With the development of sharia economy in Indonesia, there are now many fintech companies that use sharia system. This research discusses the regulation of sharia-based fintech and its legal position in Indonesian law. This research is a normative research. The results show that fintech is generally regulated by OJK and BI regulations. For sharia-based fintech, the application of sharia principles only relies on the DSN-MUI fatwa. The lack of specific provisions regarding sharia principles for sharia-based financial technology in OJK and BI Regulations may weaken the obligation to comply with sharia principles. Indeed, the DSN-MUI fatwa itself, given its place in national law, only has binding legal force if it is regulated by legal provisions or if those legal provisions give a special place to the DSN fatwa itself. The government should immediately take binding regulations regarding the application of sharia principles in sharia-based fintech in Indonesia.
Copyright (c) 2022 Patria Yunita, Ahmad Ali, Muhammad Fahminuddin, Sunan Hidayatullah https://creativecommons.org/licenses/by/4.0/
Sharia economics really pays attention to the survival of human beings. Even though wealth is not the main goal in human life, Islam regulates property with very perfect rules. Including in emergency conditions, Islam really pays attention to human welfare so that they can survive well. This paper was prepared with the hope of contributing to literacy regarding the concept of emergency funds and becoming a reference for subsequent research related to emergency funds.
Copyright (c) 2022 Surono, Syaiful Arif https://creativecommons.org/licenses/by/4.0/
BAURAN PEMASARAN (MARKETING MIX): PRODUK (PERSPEKTIF KONVENSIONAL DAN SYARIAH)
The marketing mix is ​​a set of marketing tools that can be controlled and combined by a company to produce the response desired by the target market. The marketing mix consists of everything a company can do to influence demand for its products. The main difference between sharia marketing and conventional marketing lies in the values ​​adhered to by marketers. Conventional marketers prioritize targets and big profits for the company, while sharia marketers not only pursue profits but also prioritize the values ​​of honesty and justice because sharia marketers are not only responsible to the company and customers but are also responsible to Allah SWT. Products as part of the marketing mix variable, if viewed from a sharia perspective, will be more specific because Islam has certain more specific restrictions regarding the definition of products offered which must comply with thayyiban halal criteria, apart from product quality you also need to pay attention to service. The success of product marketing is largely determined by the good and bad services provided by the company in marketing its products
Copyright (c) 2022 Azmi Ismail, Yuli Kurniati https://creativecommons.org/licenses/by/4.0/
FINANSIAL TEKNOLOGI SYARIAH DAN BANK DIGITAL
Copyright (c) 2022 Ahmad Ali, Muhammad Fahminuddin, Sunan Hidayatullah https://creativecommons.org/licenses/by/4.0/
Human life on this earth has been arranged by Allah SWT, humans try to fulfill their basic needs such as clothing, food, shelter. In an effort to meet the needs of his life can not be separated from the power of Allah SWT who has created the earth and everything in it. Every creature on this earth has been determined sustenance by Allah SWT. The sustenance that is obtained can be in the form or not in form, dzharir or mind. Humans try to fulfill their needs by trying to make an effort and pray to Allah SWT, as the Substance that creates creatures and everything in them. The management of the sustenance that Allah SWT gives if it is managed properly will result in goodness, luck or profit and vice versa if the management of the sustenance that Allah SWT gives is not good then there will be losses or losses, but all of that cannot be separated from the Power and Will of Allah SWT.
Copyright (c) 2022 Azmi Ismail, Ety Herawaty https://creativecommons.org/licenses/by/4.0/
ANALISIS PESTEL UNTUK MENGETAHUI HAMBATAN KUNCI PENGEMBANGAN WISATA HALAL DI INDONESIA: STUDI KASUS PADA WISATA DANAU TOBA
This research aims to identify and analyze the key barriers to the development of halal tourism in Indonesia, with a specific focus on a case study of Lake Toba. Using the PESTEL (Political, Economic, Social, Technological, Environmental, and Legal) analysis framework, this research explores the factors influencing the development of halal tourism from various dimensions. Data were obtained from books, journals, online articles, and other relevant sources. The research findings indicate that the key barriers to developing halal tourism in Lake Toba are: lack of consistent political support, limited investment, low public awareness, suboptimal utilization of technology, suboptimal environmental management, and the absence of specific regulations on halal tourism. In this paper, the authors provide strategic development recommendations to overcome these barriers, including strengthening policies and regulations, increasing investment, raising public awareness and human resource capacity, utilizing digital technology, and implementing sustainable environmental management standards.
Copyright (c) 2022 Surono, Muhammad Najib https://creativecommons.org/licenses/by/4.0/
PEMBANGUNAN INDUSTRI HALAL NASIONAL DENGAN PENDEKATAN SWOT STRATEGI
Halal products are a necessity and obligatory for every Muslim, that’s why the halal industry is extremely needed to produce halal products to provide Muslim consumers. The halal industry that produces halal products is not only for the food industry but also for the cosmetics, pharmaceutical, travel, fashion, and financial industries. All of these industrial sectors concerning the livelihood and needs of every Muslim must be included in the chain of daily needs. Indonesia as a country with the largest Muslim population, needs the governmental role to take a huge supporting role in the development of the national halal industry. With the largest Muslim population, Indonesia has the potential for a market for the halal industry. The SWOT method will be used to describe the development of the halal industry in Indonesia, strength and weakness factors as internal factors, and threat and opportunity factors which are external factors as input for strategic factors to develop the halal industry development as profitable and detrimental factors to deliver Indonesia as a country with the best and largest halal industry which has external opportunities in the local and global halal industrial markets.
Copyright (c) 2022 Imron Natsir, Irma Hany, Ety Herawaty https://creativecommons.org/licenses/by/4.0/
KONSEP ANALISIS RASIO AKTIVITAS DAN PROFITABILITAS KEUANGAN PERUSAHAAN
The research objective is to describe and explain the concept of activity ratio analysis and company financial profitability. Qualitative research methods with a library study approach. Data collection techniques with documentation studies. Data processing techniques with reduction and presentation of data. The results showed: (1) activity ratio analysis, namely: (a) Inventory turnover, which shows the company's financial ability for one round to finance inventory. (b) Fixed Assets Turn Over, to find out how much funds are used to finance inventories in a certain period (3). Total assets turnover, to determine the strength of capital in assets during a certain period. (2) analysis of profitability ratios, namely: (a) net profit margin, to determine the amount of profit earned by the company. (b) return on investment, namely the ability to gain profits through the utilization of its assets. (c) return on equity to find out the amount of funds returned in obtaining profits.
Copyright (c) 2022 Ahmad Purbaja, Chasan Ma'ruf, Afried Lazuardi https://creativecommons.org/licenses/by/4.0/
MANAJEMEN KEUANGAN PERUSAHAAN MENURUT PERSPEKTIF GRESTENBERG
This research was conducted to describe and explain the steps of financial management from Grestenberg's point of view. The research was conducted qualitatively with a library study approach. Data collection techniques with documentation studies. Data processing techniques with reduction, data presentation and drawing conclusions. Data validity technique with source triangulation. The results of the research show that financial management is a way for companies to obtain, use and obtain funds for business activities. Financial management steps that can be taken: first, obtaining company funds by determining financial sources to sustain the company's life through borrowing, pawning securities, cooperation with companies and so on. Second, the use of funds by utilizing funds for the benefit of the company such as paying salaries, buying goods, paying rent and so on. Third, distribution of funds by channeling funds at all levels of management within the company.
Copyright (c) 2021 Evy Latifah, Chasan Ma'ruf, Afried Lazuardi https://creativecommons.org/licenses/by/4.0/
PENGUKURAN POTENSI KERUGIAN PEMBIAYAAN BERBASIS PROFIT AND LOSS SHARING (PLS) DENGAN PENDEKATAN VALUE AT RISK (VAR)
Sharia Banks have uncertain returns. This is because Islamic banks cannot determine with certainty at the beginning how much return must be determined at the beginning. The yield obtained is adjusted to the acquisition of revenue from Shahibul Mall. Uncertain yields certainly have the potential for uncertain gains and losses. Uncertain yields are most felt in mudharabah and musyarakah financing based on Profit and Loss Sharing (PLS). The high return is in line with the high risk. Based on preliminary observations, mudharabah and musyarakah financing have higher returns compared to other types of financing. For this reason, it is necessary to measure the potential losses faced by mudharabah and musyarakah financing so that depositors and shahibul mal customers can predict the rate of return generated on mudharabah and musyarakah financing. Using the Value at Risk (VAR) approach, it is hoped that the results of this study can be used as a reference for decision makers to determine the equivalent rate of profit sharing that can be used as a reference in placing funds, especially in mudharabah and musyarakah financing.
Copyright (c) 2021 Rr Tini Anggraeni https://creativecommons.org/licenses/by/4.0/
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT GENERASI MILENIAL JABODETABEK MEMILIH BANK SYARIAH
This study aims to determine the factors that influence the choice of Islamic banking in the millennial generation JABODETABEK. In this study a sample of 150 respondents was taken by distributing questionnaires through Google form. To analyze this study the authors used an analysis tool that is factor analysis, and data processing using SPSS Version 24. The results of this study indicate that there are seven factors that influence the selection of Islamic banking in the millennial generation JABODETABEK. The seven factors are: factor 1 Physical evidence, factor 2 quality of service offered, factor 3 people, factor 4 influence of others, factor 5 hospitality and competence of bank staff, factor 6 sharia, and factor 7 facilities offered. The results of this study indicate that the most dominant factor among the seven factors is the quality of service offered with value 0,784, while the lowest value is the cost factor physical evidence with value 0,375.
Copyright (c) 2021 Umiyati, Novia Melati Harahap https://creativecommons.org/licenses/by/4.0/
PEMETAAN RESIKO PADA PEMBIAYAAN ISTISHNA’ BMT RUKUN ABADI UNTUK PERUMAHAN SUBSIDI DI GRIYA WONOSARI
This research aims to map the risks related to Istishna' financing by Baitul Maal wat Tamwil (BMT) Rukun Abadi for subsidized housing in the Griya Wonosari housing complex. Subsidized housing financing is an effort to facilitate access to housing for low-income people. However, the implementation of financing has its own risks that need to be identified and managed well. The research method used is qualitative descriptive research using a case study approach. Data was collected through in-depth interviews with BMT Rukun Abadi, document analysis, and direct observation in the field. This research evaluates various risks associated with Istishna' financing at BMT Rukun Abadi, including credit risk, liquidity risk, operational risk and legal risk. The purpose of this analysis is to assess whether a customer is eligible for financing or not. The results of the research show that risk management mapping and effective preventive analysis were carried out on subsidized housing istishna' financing at BMT Rukun Abadi for housing in Griya Wonosari to identify, analyze and mitigate various risks such as credit, liquidity, market, operational and sharia risks to ensure sustainability. and financing success.
Copyright (c) 2021 Firman Muhammad Abdurrohman Akbar, Bambang Dwi Hartono, Adina Rosidta https://creativecommons.org/licenses/by/4.0/
PENGARUH PENDAPATAN DAN PENGETAHUAN TENTANG ZAKAT TERHADAP KESADARAN MUZAKKI DALAM MENUNAIKAN ZAKAT PROFESI DI UPZ KECAMATAN CIPONDOH KOTA TANGERANG
The research is aimed at measuring the impact of earning (X1), knowledge on zakat (X2) on the awareness of the zakat payer in implementing zakat of profession. The method used is quantitative with the use of the questionnaire. The number of the respondents is 55 zakat payers. The technique to take samples is purposive sampling, with the use of regression statistics to accommodate the awareness of zakat as dependent variable (Y), the earning (x1), and the knowledge on zakat (X2). Multiple linear regression is used to test the impact of the two independent variables on the dependent variables partially and wholly by applying the software of SPSS 26. The results show that only the knowledge on zakat partially has a positive impact in paying zakat of profession. The earning (X1) partially doesn’t give the impact on the paying of zakat of profession. However, the two independent variables wholly have the impact on the dependent variable.
Copyright (c) 2021 Muizzudin, Ayu Hapstari https://creativecommons.org/licenses/by/4.0/
STRATEGI PENANGANAN PEMBIAYAAN BERMASALAH PADA PEMBIAYAAN MURABAHAH DI MASA PANDEMI COVID-19
As a sharia financial institution, Bank Syariah Indonesia KC Daanmogot Tangerang's business activities are collecting public funds in the form of savings and channeling them in the form of loans. Murabaha financing, which is most popular with the public. Financing to customers cannot be separated from various risks, one of which is problematic financing which results in a decline in the health level of bank liquidity and the level of debtors' trust in the bank. This study was conducted to examine the handling strategies used by banks for problematic financing during the Covid-19 pandemic. The main problem here is, first, what are the factors causing problematic financing during the Covid-19 pandemic, second, what is the strategy for handling problematic financing in murabahah financing. The type of research used is field research with a qualitative approach. Data sources consist of primary and secondary obtained through interviews and documentation. The collected data was analyzed using descriptive analysis methods. The results of this research concluded that the factors causing financing problems during the COVID-19 pandemic could come from customers and Bank Syariah Indonesia. The strategy for handling problematic financing during the Covid-19 pandemic is by approaching customers, collecting intensively, providing warning letters and restructuring.
Copyright (c) 2021 Martavevi Azwar https://creativecommons.org/licenses/by/4.0/
ANALISIS TANTANGAN DAN PELUANG PENGEMBANGAN UMKM HALAL DALAM ERA PASAR NASIONAL
Penelitian ini membahas tantangan dan peluang yang dihadapi oleh UMKM dalam memperoleh sertifikasi halal di era pasar nasional di Indonesia. Sebagai tambahan, penelitian ini juga memeriksa persaingan kompetitif antara UMKM halal dan produsen non-halal dalam pasar nasional serta peluang yang tersedia bagi UMKM halal di tengah pertumbuhan pasar nasional yang pesat. Tantangan bagi UMKM dalam memperoleh sertifikasi halal mencakup pemahaman persyaratan halal yang kompleks, biaya yang tinggi, dan persaingan pasar yang ketat. Namun, ada peluang yang besar bagi UMKM, seperti meningkatnya permintaan pasar untuk produk halal, dukungan pemerintah, dan posisi Indonesia sebagai salah satu kekuatan ekonomi syariah di dunia. Dalam persaingan dengan produsen non-halal, UMKM halal memiliki kekuatan dalam kualitas produk halal berkualitas tinggi, kepercayaan konsumen, dan dukungan pemerintah. Namun, mereka juga menghadapi keterbatasan sumber daya dan kurangnya skala produksi, serta persaingan yang ketat dan kurangnya kesadaran konsumen. Dalam konteks pertumbuhan pasar nasional yang pesat, UMKM halal memiliki peluang untuk memperluas pangsa pasar mereka dengan memanfaatkan kualitas produk halal, kesadaran konsumen, dan dukungan pemerintah. Namun, mereka juga perlu mengatasi keterbatasan sumber daya dan persaingan yang ketat. Analisis, teori halal, teori pemasaran, teori inovasi, teori keunggulan kompetitif, dan teori kewirausahaan digunakan untuk memahami faktor-faktor yang memengaruhi UMKM halal dalam menghadapi tantangan dan memanfaatkan peluang di pasar nasional. Analisis SWOT digunakan untuk mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman yang relevan dengan masing-masing aspek penelitian. Penelitian ini menyoroti peran penting UMKM halal dalam perekonomian Indonesia dan potensi besar mereka dalam pasar produk halal. Sinergi antara pemerintah, lembaga keuangan, lembaga pendidikan, dan pelaku bisnis diharapkan dapat memperkuat posisi UMKM halal dan mendukung pengembangan ekonomi syariah di negara ini.
Copyright (c) 2020 Firman Muhammad Abdurrohman Akbar https://creativecommons.org/licenses/by/4.0/
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PARTISIPASI MASYARAKAT DALAM PRAKTIK PENGUMPULAN DAN DISTRIBUSI ZAKAT
This study aims to analyze the factors that influence community participation in the practice of collecting and distributing zakat, as well as the factors that influence the distribution of zakat by amil zakat institutions. The analytical method used is discriminant factor analysis. Data was collected through questionnaires which were distributed to 30 respondents in East Jakarta who were selected by purposive sampling technique. The results showed that income and faith factors influenced community participation in the practice of zakat participation, while social and occupational factors influenced the distribution of zakat by amil zakat institutions. Efforts that can be made to increase public awareness regarding the importance of zakat and transparent and accountable management of zakat by amil zakat institutions are by increasing socialization through the mass media, training for administrators of amil zakat institutions, and increasing transparency and accountability in zakat management. This research is expected to contribute to the development of zakat studies and a deeper understanding of the factors that influence community participation in the practice of collecting and distributing zakat.
Copyright (c) 2020 Afried Lazuardi, Firman Muhammad Abdurrohman Akbar https://creativecommons.org/licenses/by/4.0/
ANALISIS PENGARUH QOWAID FIQHIYAH DAN QOWAID USHULIYAH DALAM PERBEDAAN PENDAPAT FIQH (KASUS BUNGA BANK)
This paper aims to explore the the defferences of fiqh opinion regarding the issue of interest in the case of financing in the bank. The qawaid fiqiyah and qawaid ushuliyah are used in this study to decide the law of interest imposed to the bank. The finding of this study is based the analysis of the qowaid booth fiqiyah and ushuliyah is the law of interest in the bank is unpermissible. The majority of fuqaha give their opinion that the interest imposed in the bank is similar to the riba nashi’ah.
Copyright (c) 2020 Nur Jamaludin https://creativecommons.org/licenses/by/4.0/
ANALISIS PENGARUH KEBERAGAMAAN TERHADAP KUALITAS KERJA KARYAWAN BPRS HARTA INSAN KARIMAH KANTOR CABANG KARAWACI KOTA TANGERANG
As a part of sharia bank, BPRS Harta Insan Karimah plays an important role in empowering muslims and small and medium enterprises in rural areas. In playing its rule, the bank has to show the power of its employees especially in their religiosity and quality of work. This quantitative research is aimed at identifying the present existing data on their religiosity and quality of work and measuring the impact of their religiosity on their quality of work. The primary data is collected from the respondents’ responses to the statements of their religiosity as the independent variable and their quality of work as the dependent variable in the form of Likert scale options provided in the questionnaire. After going through the tests of validity, reliability, normality, and linearity, the data is processed to the regression analysis with SPSS 25. The results show that the religiosity as the independent variable has the positive impact on the quality of work as the dependent variable with the value of 12,8 %. This value is relatively small due to the fact that the research only uses one independent variable.
Copyright (c) 2020 Muizzudin https://creativecommons.org/licenses/by/4.0/
Wakaf is a special practice of worship, this is because the rewards of wakaf will continue to flow even though the wakap giver has died. So the practice of wakaf is different from other practices of worship, such as: prayer, fasting, hajj and others whose thighs are cut off when the person dies. This is in accordance with the hadith of the Prophet Muhammad that when a person has passed away, his deeds will be cut off except for three things, namely pious children who always pray for their parents, useful knowledge, charity (wakaf). Wakaf is not only intended for the benefit of religious facilities and social only but also directed to advance the general welfare by realizing the potential and economic benefits of wakaf objects. This enables the management of wakaf assets to enter the area of ​​economic activity in a broad sense as long as the management is in accordance with the principles of management and Sharia economics. Therefore, to secure wakaf property from interference by third parties that harm the interests of wakaf, it is necessary to improve Nazhir's capabilities. However, the management of wakaf in Indonesia is not optimal. The inadequate management of wakaf is influenced by several factors, including the public's understanding of wakaf, wakaf management, wakaf assets and nazdir are still lacking. For this reason, it is necessary to change the paradigm of wakaf towards productive wakaf by optimizing its potential.wakaf and then productively empower all wakaf assets in order to make an obtimal contribution to improving the quality of life of Muslims.
Copyright (c) 2020 Ahmad Edwar, Rusma Permana https://creativecommons.org/licenses/by/4.0/
IMPLEMENTASI EKONOMI SYARIAH DALAM BINGKAI EKONOMI PANCASILA
The development of the sharia economy in Indonesia as the country with the largest Muslim population in the world is also inseparable from the development of the Islamic economy in the world, especially those from neighboring Malaysia. Starting in the 1993s marked by the establishment of the first Islamic bank, Bank Muamalat until now its growth continues to be encouraging. Economic and financial institutions as well as educational institutions that examine sharia values ​​as the basis have made a positive contribution to sharia economic growth. Regarding the growth of the Islamic economy in Indonesia, it is very interesting to study how its positioning or existence is in the Indonesian legal, political and economic system. This paper examines this relationship in order to get a conclusion of its compatibility with the economic system that we adhere to with a qualitative approach to literature study. The results of this study find that Islamic Economics and Pancasila Economics are both inseparable because they have high compatibility. Normatively, the objectives of the Pancasila Economy which are marked by Article 33 of the 1945 Constitution have the same principle in Islamic economics, namely the principles of gaining falah, socio-economic justice and equity and prosperity. The implication of this study is that Islam and Pancasila, especially in the economic field, cannot be separated.
PENGARUH IMAN DAN PENDAPATAN TERHADAP PENGGUNAAN UANG ELEKTRONIK
The application of electronic money in Indonesia has clear regulations, these regulations are regulated by the Central Bank. One of the regulations regarding electronic money (electronic money), among others, is Bank Indonesia Regulation Number 14 / 2PBI / 2012 concerning Amendments to PBI Number 11/11 / PBI / 2009 concerning the Implementation of APMK Activities. (Serfianto, 2012; 62) In an Islamic perspective, electronic money can be categorized as halal, if the fees charged to holders of electronic money (electronic money) are real costs and must be conveyed correctly to cardholders. Based on the approach used, the writer uses a quantitative research approach. Quantitative research is more oriented towards objective facts through concepts that are derived from the variables and translated into indicators by paying attention to aspects of validity and reliability. Quantitative research is divided into two types of research, namely, experimental research and non-experimental research. Non-experimental research is research where the researcher does not manipulate the independent variable, the researcher only examines what happens naturally or has happened, and examines how the variables are related. In preparing this proposal, the authors chose the type of non-experimental correlation research.
electronic money and non-experimental correlation research
Copyright (c) 2020 Aisyah Defy Rahmayani Simatupang https://creativecommons.org/licenses/by/4.0/
MANAJEMEN EKONOMI SYARIAH DALAM PRESPEKTIF BISNIS ISLAM
In sharia business, management is used as a basic element that is attached to business processes that will be used as a reference by managers in carrying out activities to achieve goals. The management urgency in business is designed to cover four functions, namely production, personnel, marketing and finance. Business in Islam also aims to achieve four main things: targets results, material and non-material benefits, sustainability of growth, and blessings. This research is qualitative library research using sources from various references conducted descriptively and analytically. The findings suggest that in its application, business management cannot be separated from the beliefs and values underliying it, which must be in accordance with the view of life and Islam.
Copyright (c) 2020 Ahmad Edwar, Taufik Akhmad https://creativecommons.org/licenses/by/4.0/
ANALISIS HUKUM ISLAM TERHADAP JUAL BELI EMAS SECARA TIDAK TUNAI
This study aims to analyze whether gold can be classified as money or not from the perspective of Islamic law. The study uses descriptive qualitative method through library study and interviews as the data collection techniques. The results exposed the view of Islamic law on gold and its utility as the medium of exchange that is portrayed from various sides, namely: characteristics, function, and arguments (al-adillah) that define gold as the commodity meeting the characteristics of money. This is also backed by the opinions of economists and Shar‘īah scholars (fuqahā) regarding al-‘illat of gold. The study concluded that the sale and purchase transaction of gold should be in cash (naqdan) which is analogous to currencies exchange transaction (‘aqd al-sharf) that is not allowed to be in the form of installment transaction.
Copyright (c) 2020 Fithri Nurfauziyyah, Rio Erismen Armen, Adril Hakim https://creativecommons.org/licenses/by/4.0/
ANALISA PENYELESAIAAN TRANSAKSI PENAGIHAN FINTEK TANPA ADANYA JAMINAN
Fintech has provided fresh air in the development of the financial and technological industries today. Growing so rapidly makes Technology-Based Money Lending and Borrowing Activities a business that has positive and negative impacts. With regulations that are not yet strict, many illegal investment companies are flourishing in Indonesia. The absence of collateral is a major problem for Fintek. In collecting loans, Fintek uses all personal data of debtor customers as an effort to resolve customer obligations. On the other hand, Fintek violates the rights of debtor customers as consumers because they have used the customer's personal data in resolving debts.
Copyright (c) 2020 Ade Ananto Terminanto https://creativecommons.org/licenses/by/4.0/
Materi merupakan inti dari segala yang ada di muka bumi, mulai dari manusia yang tercipta dari tanah, malaikat dari cahaya, iblis dari api, meja dari kayu, guci dari tanah liat dan lain sebagainya. Namun yang tidak patut dipikirkan adalah materi apa yang menyebabkan Allah tercipta. Begitulah paham yang diorasikan oleh tokoh filsuf Karl Marx dari Jerman dengan aliran Materialism, Kapitalisme, Dan Sosialisme yang bermuara pada Komunis yang tidak mempercayai akan adanya tuhan dan agama. Dalam Islam hal tersebut sangat bertolak belakang dengan syariat, baik dalam bidang ekonomi, sosial, dan ketuhanan. Materialisme yang secara garis besar dikatakan sebagai aliran dengan menuhankan benda tanpa percaya adanya tuhan, dibantah oleh kisah Amr bin Jamuh yang menemukan bahwa sebuah benda tidak ada apa-apanya dibanding kekuasaan Allah. Tanpa disadari bahwa tuhan dan agama amat sangat berpengaruh dalam setiap tatanan kehidupan manusia. Dengan bisa lebih beriman pada Allah dan mentarbiyahkan hati agar terhindar dari penyakit hati maka kitapun sebagai seorang muslim akan mengatakan bahwa paham tersebut adalah tidak sesuai dengan ajaran agama Islam.
Copyright (c) 2019 Mawar Monica Desya, Sadari https://creativecommons.org/licenses/by/4.0/
ASURANSI SYARIAH DALAM PANTAUAN FATWA-FATWA DSN-MUI
Sejalan dengan perputaran bumi, permasalahan yang dihadapi manusia semakin komplek, terkadang permasalahan-permasalahan itu belum terjamah oleh hukum, padahal dalam suatu kaidah ushul dikatakan bahwa segala sesuatu yang berhubungan dengan pola tindak dan pola tingkah manusia tidak lepas dari pantauan hukum. Oleh karena itu apabila ada suatu masalah yang belum terjamah oleh hukum yang secara pasti disebutkan dalam al-Qur’an dan al-Hadis maka diadakan kajian hukum mengenai permasalahan tersebut melalui jalan ijtihad. Permasalahan-permasalahan yang seperti tersebut di atas dalam istilah fiqh disebut dengan masail fiqhiyyah. Salah satu permasalahan yang ingin kami bahas dalam makalah ini adalah masalah Fatwa DSN mengenai Asuransi Syariah. Topik ini kami anggap penting karena disamping asuransi memang sebagai salah satu permasalahan kontemporer dan juga di indonesia sudah berdiri asuransi yang berlandaskan syariah
Copyright (c) 2019 Faiqatul Husna https://creativecommons.org/licenses/by/4.0/