ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM
Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam was published twice a year in June and December by the Faculty of Sharia and Islamic Economics of IAIN Syaikh Abdurrahman Siddik Bangka Belitung. The scope of Islamic sciences in this journal is Islamic law and Islamic civil law, while the scope of Islamic banking is related to banking and sharia compliance. This journal ISSN 2089-7227 (print) and 2598-8522 (electronic).
FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG
THE INFLUENCE OF PEER SUPPORT ON THE ENTREPRENEURIAL MINDSET OF STIBA AR RAAYAH STUDENTS
An entrepreneurial mindset is an essential element in shaping the entrepreneurial character of students, especially in the context of higher education based on Islamic values. This mindset encourages students to dare to take risks, think innovatively, and make business activities a means of self-actualisation and worship. This study aims to analyse the influence of peer support on the entrepreneurial mindset of female students of the Islamic Communication and Broadcasting Study Program, STIBA Ar Raayah, Sukabumi. Islamic entrepreneurship is an economic activity and a manifestation of worship based on ethics, justice, and spirituality. This study uses a quantitative approach with a survey method, and data analysis is carried out using Structural Equation Modelling (SEM) techniques based on Partial Least Squares (PLS). A total of 23 active female students in the fifth semester were made respondents. The analysis showed that peer support positively and significantly influenced entrepreneurial mindset, with a path coefficient of 0.792. These findings confirm the importance of a supportive social environment in shaping student entrepreneurial mindsets. This study recommends strengthening entrepreneurship programmes based on Islamic values through a collabourative approach between students in a higher education environment to create an ecosystem that supports the growth of Muslim entrepreneurs with competitiveness and integrity.
Copyright (c) 2025 Husnul Khatimah, Nuradi, Huryatul Muhafizhah, Najmah
ISLAMIC CAPITAL MARKET VOLATILITY: RESILIENCE OF SHARIA STOCK INDEX AMID RISING GLOBAL UNCERTAINTY
This study examines stock price dynamics amid increasing global economic uncertainty, compounded by geopolitical conflicts, bank interest rate policies, the pandemic, and financial crises, which have had a serious impact on the stability of a country's economy. In this context, the Islamic capital market has emerged as an alternative investment offering a safe haven amid global economic uncertainty. This study aims to analyze how global economic uncertainty affects stock price fluctuations in the Islamic capital market in ASEAN countries, as seen from the growth of the Islamic stock index. This study uses a qualitative approach based on a review of literature and empirical data. The results indicate that Islamic stocks can be affected by global economic uncertainty but are more resilient to external or internal factors related to usury, gambling, and uncertainty. Despite facing pressure from global market fluctuations, Islamic stocks still demonstrate growth potential, particularly in ASEAN countries with majority Muslim populations. The results of this study are expected to provide investors with insights for planning investment strategies as hedging instruments in accordance with sharia principles, while considering global economic conditions and a country's macroeconomy.
Copyright (c) 2025 Johan Dwi Sutikno, Adinda Agustinayu Rizkyaningrum, Binti Nur Asiyah
THE INFLUENCE OF FINANCIAL PERFORMANCE ON THE STABILITY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA WITH GREEN BANKING AS A MODERATING VARIABLE
Financial performance in general is an important aspect in evaluating the financial stability of a bank. Banks involved in green banking activities tend to have a better reputation because they show concern for environmental issues. This study aims to analyze the effect of financial performance on the stability of Islamic banks with green banking as a moderating variable. The financial performance indicators used include the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses to Operating Income (OEOI), and Financing to Deposit Ratio (FDR). The population in this study consisted of 14 Islamic commercial banks. The sample selection used the nonprobability sampling method with a purposive sampling technique and obtained a sample of 10 Islamic commercial banks with a research period of 2020–2023, so that there were 40 research data. The analysis was carried out using panel data regression with the Random Effect Model (REM) approach and variable moderation tests using Moderated Regression Analysis (MRA) through the Eviews 12 program. The results showed that CAR had a significant positive effect on stability, FDR had a significant negative effect on stability, while NPF and OEOI had no effect on stability. Green banking weakens the influence of CAR and NPF on stability, strengthens the influence of FDR on stability, but does not moderate the influence of OEOI on stability. This shows that the role of green banking is quite good, but has not been able to improve all aspects of financial performance as a whole.
Keywords: Financial Performance; Stability; Green Banking; Islamic Commercial Banks
ECONOMIC POLICY OF QUEEN MAS JAINTAN: IMPLEMENTATION OF SHARIA PRINCIPLES IN MARITIME TRADE OF THE SUKADANA LANDAK KINGDOM
Penelitian ini bertujuan menganalisis penerapan prinsip ekonomi syariah dalam kebijakan perdagangan yang dilaksanakan Ratu Mas Jaintan di Kerajaan Sukadana Landak. Sosok ini dipilih karena dikenal sebagai “Ratu di Atas Angin”, sebuah julukan yang merepresentasikan kekuasaannya yang meluas tidak hanya di Sukadana Landak, tetapi juga ke kerajaan-kerajaan lain yang memiliki hubungan genealogis. Ratu Mas Jaintan digambarkan sebagai pemimpin tegas, berani, visioner, dan mampu mengelola sumber daya alam serta manusia sehingga berhasil membangun kemandirian dan stabilitas ekonomi kerajaan. Fokus penelitian diarahkan pada kebijakan perdagangan yang ia terapkan serta relevansinya dengan prinsip-prinsip ekonomi syariah. Metode yang digunakan adalah penelitian sejarah melalui studi pustaka dari sumber lokal maupun kolonial, dilanjutkan dengan penelitian lapangan di wilayah Landak, Ketapang, dan Sukadana. Peneliti juga melakukan wawancara untuk mengetahui sejauh mana masyarakat masih mengenal peran Ratu Mas Jaintan, kemudian melakukan kritik sumber serta focus group discussion dengan sejarawan dan pakar ekonomi syariah. Hasil penelitian menunjukkan bahwa kebijakan perdagangan Ratu Mas Jaintan menekankan asas saling menguntungkan, loyalitas, jaminan keamanan, dan persamaan. Implementasi nilai syariah terlihat pada kebebasan berdagang, transparansi, serta adanya kontrak berdasarkan kesepakatan. Secara teoretis, temuan ini memperkaya kajian integrasi nilai Islam dalam perdagangan tradisional Nusantara, sedangkan secara praktis dapat menjadi rujukan dalam perumusan kebijakan perdagangan modern berbasis kearifan lokal. Kebaruan penelitian ini terletak pada pengungkapan peran perempuan penguasa maritim yang berhasil menginternalisasikan nilai-nilai Islam dalam kebijakan ekonomi, memperluas pemahaman tentang sejarah ekonomi Islam di Asia Tenggara.
Copyright (c) 2025 Patmawati Patmawati, Fitri Susanti Ilyas, Raziki Waldan, Al Fakhri Zakirman
ANALYSIS OF THE LERNER INDEX OF THE HALAL FOOD INDUSTRY IN BANGKA BELITUNG FROM THE PERSPECTIVE OF IBN KHALDUN'S PRICE CONCEPT
The halal food industry in Bangka Belitung is a rapidly growing sector in line with the increasing awareness of Muslim consumers about the importance of halal products. This study aims to analyze the market power of halal food companies in the province using the Lerner Index, and to relate it to the price concept proposed by Ibn Khaldun. The method used is a quantitative approach by calculating the Lerner Index based on price and marginal cost data from 173 halal food companies. The research results show a variation in market power, where some companies have the ability to set prices above marginal cost, while others operate in a more competitive market. In Ibn Khaldun's perspective, excessively high prices due to market power can create injustice in the accessibility of halal products. These findings underscore the importance of policies that support healthy competition and fair pricing, to create a more equitable halal market in Bangka Belitung
Copyright (c) 2025 Eka Fitriyanti, Ayu Wulandari, Izma Fahria, Suud Sarim Karimullah
DIMENSIONS OF COLLABORATION AND ACADEMIC PRODUCTIVITY IN SHARIA BANK LOYALTY RESEARCH: BIBLIOMETRIC ANALYSIS 2010 – 2024
Customer loyalty to Islamic banks is one of the keys to sustainability for the Islamic banking industry, especially in strong competition facing conventional banks and financial technology (fintech) innovation. Nevertheless, literature regarding this topic has not been systematically mapped. Using a bibliometric approach, this study analyzes the publication trends, leading researchers, and collaboration patterns in Islamic bank customer loyalty studies. The Web of Science (WoS) is used to collect data and the keywords for customer loyalty and Islamic banks, and the time range of 2010 to 2024 is utilized for this study. Analysis using NVivo 12 and Voyant Tools (for network mapping and descriptive statistics) In the results of the study, 174 published documents were identified, where research articles predominated, a total of 156 articles. This publication trend has been on the rise, even peaking in 2023 with 30 publications. Indonesia and Malaysia stand out geographically as the leading contributors, mirroring the role of both countries as the strategic focal point of Islamic financial development. The most highly productive institutions are establishments such as Bandung State Polytechnic (Indonesia) and International Islamic University Malaysia (Malaysia). These findings offer an invaluable literature map so that further research and strategic ante-projects could be developed, of course with some added value for Islamic banking practitioners in its context of increasing customer loyalty. This study contributes to the academic knowledge with a bibliometric method, which is not widely used in the Islamic banking context.
Copyright (c) 2024 Hendra Cipta, Hatamar Hatamar, Khoirina Ulfa
BANKING MODEL AND MONETARY TRANSMISSION MECHANISM IN INDONESIA: ARE ISLAMIC BANKS MORE EFFECTIVE?
Economic growth, both global and national, is slowing down, prompting monetary authorities to issue effective monetary policies through credit lines to encourage economic growth. In the dual banking system where there are Islamic banks and conventional banks, it is a challenge for the monetary authorities to see the effectiveness of the two banks in transmitting monetary policy. To find out the difference in effectiveness levels, the researcher used quarterly data from Bank Indonesia interest rate variables, gross domestic product (GDP), Islamic bank financing, and conventional bank loans for the period 2014 to 2024. Using VAR-ECM analysis, it was found that Islamic banks have a lower response than conventional banks in transmitting monetary policy through credit channel. In addition, Syrian banks also have lower effectiveness than conventional banks in encouraging economic growth in Indonesia.
Copyright (c) 2025 ilhamdi ilhamdi, Luqman Luqman, Jati Kusuma Ali
THE THOUGHT OF SHEIKH MUHAMMAD ARSYAD AL-BANJARI: THE RELEVANCE OF PRODUCTIVE ZAKAT IN EMPOWERING THE ECONOMY OF SOCIETY IN INDONESIA
The thoughts of Muhammad Sheikh Arsyad Al-Banjari significantly contribute to the concept of productive zakat as a tool for community economic empowerment in Indonesia. In this context, zakat is viewed not only as a religious obligation but also as a strategic instrument for enhancing community welfare through providing capital for small and medium enterprises. This research aims to analyze Muhammad Sheikh Arsyad Al-Banjari's thoughts on community empowerment through productive zakat in Indonesia. The study falls under a qualitative descriptive cluster with a literature review; data collection is conducted by gathering previous research related to Muhammad Sheikh Arsyad Al-Banjari's thoughts and productive zakat. Data analysis is carried out through data condensation, data display, and drawing conclusions. The findings indicate that Muhammad Sheikh Arsyad Al-Banjari's thoughts on productive zakat offer a new perspective on economic empowerment in communities. The relevance of this concept is particularly important in the Indonesian context, which still faces various economic challenges. With appropriate implementation, productive zakat can not only be a solution to poverty but also promote community independence and sustainable welfare. Community empowerment through productive zakat is expected to enhance community economies, eradicate poverty, and foster community empowerment. However, the implementation of community empowerment through productive zakat in Indonesia faces obstacles, such as a lack of awareness and knowledge, as well as ineffective management and oversight. This is due to the community's mindset, which is not yet accustomed to productive zakat, as zakat management is typically consumptive or directly received by the community. Therefore, the concept of productive zakat is still not well understood, leading to a lack of trust in zakat managers.
EFFECTIVENESS AND EFFICIENCY OF FINANCIAL MANAGEMENT OF VILLAGE-OWNED ENTERPRISES (BUMDes)
This research aims to analyze the effectiveness and efficiency of financial management in the Village-Owned Enterprise (BUMDes) "Berkah" in Ajakkang Village, Soppeng Riaja District, Barru Regency. Employing a qualitative approach, data was collected through observation, interviews, and documentation. The results indicate that BUMDes "Berkah" has successfully met community needs through three main business units: Farmers' Shop, Stationery Business, and Savings and Loans. The Farmers' Shop improves farmers' access to quality agricultural inputs at affordable prices, the Stationery Business fulfills educational and office needs of the community, while the Savings and Loans provides financial access with low interest rates. However, significant challenges remain, including lack of transparency and accountability in financial reporting, limited stock, and limited public understanding of financial services. To enhance effectiveness and efficiency, increased transparency, training for managers, and improved promotional strategies are recommended. This study concludes that with further refinement, BUMDes "Berkah" can serve as an effective model for village economic empowerment in Indonesia. Abstrak Penelitian ini bertujuan untuk menganalisis efektivitas dan efisiensi pengelolaan keuangan Badan Usaha Milik Desa (BUMDes) "Berkah" di Desa Ajakkang, Kecamatan Soppeng Riaja, Kabupaten Barru. Menggunakan pendekatan kualitatif, data dikumpulkan melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa BUMDes "Berkah" telah berhasil memenuhi kebutuhan masyarakat melalui tiga unit usaha utama: Toko Tani, Usaha ATK, dan Simpan Pinjam. Toko Tani meningkatkan aksesibilitas petani terhadap input pertanian berkualitas dengan harga terjangkau, Usaha ATK memenuhi kebutuhan pendidikan dan perkantoran masyarakat, sementara Simpan Pinjam menyediakan akses keuangan dengan bunga rendah. Meskipun demikian, tantangan signifikan masih dihadapi, termasuk kurangnya transparansi dan akuntabilitas dalam laporan keuangan, keterbatasan stok, dan pemahaman masyarakat yang terbatas tentang layanan keuangan. Untuk meningkatkan efektivitas dan efisiensi, disarankan adanya peningkatan transparansi, pelatihan bagi pengelola, dan strategi promosi yang lebih baik. Penelitian ini menyimpulkan bahwa dengan penyempurnaan lebih lanjut, BUMDes "Berkah" dapat menjadi model efektif untuk pemberdayaan ekonomi desa di Indonesia.
Copyright (c) 2025 Natila Angraeni, Musmulyadi Musmulyadi, Arwin Arwin, Rusnaena Rusnaena
Islamic banks are banks whose products range from funding to financing. With more and more of these products, of course the risks faced by Islamic banks are also increasingly diverse. So, through this article will explain what risks are faced by conventional banking and Islamic banking. This article will also outline the risks faced by financing channeled by Islamic banks and how to implement risk management in Islamic banks to mitigate the risks they face.
Status Hukum Khamar dalam Perspektif Fiqh
The verse that talks about the prohibition of drinking khamar in the Alqur'an was gradually reduced in the midst of the ignorant Arab community who had the habit of drinking khamar, getting drunk and to change such conditions in a gradual manner. First, khamar and gambling contain major sins eventhough they contain benefits for humans, but the harm is greater than the benefits. Secondly, it was stated that they were not allowed to pray drunk Third, it is expressly stated that khamar is one of Devil's actions and therefore must be shunned. The scholars differed in defining this khamar. According to Imam Malik, Shafi'i and Ahmad what is meant by khamar is intoxicating drinks, whether or not called khamar. According to Imam Abu Hanifah, it was different from the drunken Khamar drink. But regardless of the definition of the substance is the same, that everything that is intoxicating is a little or a lot of things that are still forbidden. Thus it can be concluded that the prohibition of the khamar does not lie in drunkenness or not, but the location of the substance on the substance. In other words, drinking khamar even if it does not intoxicate the law remains unclean.
Prinsip Kemashalahatan Umat dan Penghargaan Terhadap Hukum Dalam Bingkai Kesadaran Multikultur Kehidupan Beragama di Indonesia
Indonesia is a country inhabited by various tribes, races and religions. A long history of Indonesian nation with various ethnics make kind of multicultural religious which is brought lives phenomenon. Islam as the majority religion in Indonesia provides significant meaning in appreciating benefit and respecting the diversity religious of people in Indonesia. The concept of rahmatan lil Alamin is seeded according to the context in Indonesia. Thus, an inclusive understanding by collocated Islam as a progressive religion nowadays becomes a necessity to solve problems and the importance of a complex human beneficial. On the other hand, the necessity of multicultural awarenness of religious in Indonesia made this country as barometer of other country in appreciating a fair law to all the citizens, but when the diversity of this nation does not respect other religions, it will bother the religious‟ stability and national life in the country. Islam has given point of views in national life and taught how to respect other people who has different belief. So, people who has different belief should do the same to appreciate Islam. The history of the world has taught us about the importance of appreciate people and respect the law for the nation, then the nation will be a peaceful and prosperous country.
Kerangka Dasar Penyusunan dan Penyajian Laporan Keuangan Syariah
Islamic transactions based on the basic paradigm that the universe was created by God as amanah (trust Divine) and means the joy of life for all mankind to prosper materially and spiritually intrinsic (Al-falah). The basic paradigm emphasizes every human activity has accountability and divine values that put the sharia and morals as parameters of good and bad, right and wrong with the business activity. Financial reporting is the structure and process of accounting that describes how the financial information provided and reported to achieve the goal of economic and social state
Pemikiran Ibnu Khaldun Tentang Mekanisme Pasar
Ibnu Khaldun is a thought-leader who is proficient in the various fields of study such as politics, social, philosophy, history, and economy. So, Ibnu Khaldun is known as one of the originators of economic theory and as the largest Muslim economists recognized by Western economists. Unlike previous scholars who had tendencies to be normative, Ibnu Khaldun used historical and social approach to understand economy of a nation. Ibnu Khaldun was very positive in comprehending economy. So, his ways of thinking will be very worthy to put forward in this paper, especially on market mechanisms. Market is a place where buyers and sellers meet and do transactions of buying and selling goods or services. The importance of market in Islam cannot be separated from the function of the market as a place for buying and selling activities. Sale and purchase itself has an important function, since buying and selling are parts of the economic activities which are "accredited" in Islam. Islam is very concerned with buying and selling as one of the economic fundamentals. It can be seen in Al-Baqarah 275 saying that "God justifies the purchase and forbids usury". The market mechanism is a system that determines the formation of prices, which is in the process can be influenced by many things: demand and supply, distribution, government policies, labor, money, taxes and security. In the process of market mechanisms requires the principles of morality, such as fair competition (fair play), honesty, transparency and justice.
Diskursus Konsep Dan Prinsip Akad dalam Hukum Islam
Contract has an important role in the agreement and the engagement of either Islamic law or in the positive law. The existence of the contract with the Islamic principles would sustain the contract to the benefit and avoid deception and fraud between the parties. Islamic principles are based on permissible, voluntary, welfare and justice needs to be embedded in the Islamic contracts. If these principles are at parties, then the contract will not be a contract that is imperfect.
Inggris Sebagai Sentral Keuangan Islam di Barat
United Kingdom is a country that is predominantly by non-Muslim, but development of Islamic banking and finance is very good. This is evidenced by the operation of six full sharia bank and the sixteen banks that serve Islamic windows. Sukuk deals for investors is also growing as evidenced by the increasing demand on the London Stock Exchenge with a total of £51 billion. Likewise with takaful products, UK re/insurance markets that are transacting Islamic finance. As one of the largest insurance markets in the world, and the leading global centre for wholesale insurance and reinsurance, the UK has the potential to support the growth of takaful business in the coming years. The development of Islamic banking and finance did not escape from the multicultural population of the UK. From the research, UK residents both Muslims and non-Muslims showed 66% of respondents believe the Islamic financial system is suitable for western economic communities such as the UK. 65% of respondents understand the workings of Islamic banking differs from conventional banking workings. 60% of respondents agree Islamic banking relevant to all religions. 57% of respondents also knew of Islamic banking to give the profit, not the interest. This means that they responded positively to the products offered Islamic banking and finance. There are several factors that lead to Islamic banking and finance can be grown in the UK, there are: including the global expansion of Islamic financial, single banking and financial regulator, public policy and taxation, the establishment of the Islamic Bank of Britain, the excess liquidity in the Middle East, Islamic windows of regular banks, and the development of educational and training institutions in the UK. This paper will describe the history of Islamic banking and finance in the UK, its development, factors that support and the its future prospects for giving additional knowledge to the academics and practitioners.
Dream For Freedom (Perspektif Hukum Islam)
Based on the factual circumstances nowadays, many people tried to explore the short way to collect the treasures. Supported by the information Technology development made the spreading of any information and business growth easily. Direct selling, Multi Level Marketing, Online Business and Money Game have its upportunities. Dream for Freedom (D4F) with the Key as a symbol, is one of the money game business which growth successfully between years 2015 – 2016. Thousands of participants or members joined the community (known by the dream team). Spectacularly the founder recruited some of influence person, asked them to promote the business through their statements, pictures and videos. Islam as the belief of most people in Indonesia particularly has the guidance in business through the most principles rules, Al-Qur‟an and Hadith. Therefore the writer tried to explore the Dream for Freedom from Islamic Jurisprudence Perspective.
Peningkatan Profitabilitas Serta Pengaruh Dana Syirkah Temporer, Kewajiban dan Ekuitas dengan Variabel Risiko Pembiayaan Sebagai Antiseden (Studi pada Perbankan Syariah di Indonesia)
The purpose of this study is the effect of temporary syirkah funds, liabilities and equity of the financing risk and profitability of Islamic banks in Indonesia; analysis of effect financing risk on profitability. The population is Islamic bank in Indonesia. The sample was selected using purposive sampling method. Observation number 11 bank research. Method of data analysis used the path analysis. Results of this study indicate that the fund temporary syirkah positive significant effect on the risk of financing received. The more the amount of funds held temporary syirkah the risk of non-performing loans to finance or Islamic banks NPF indicator becomes smaller. Obligations positive significant effect on the risk of financing. The larger a bank's liabilities, the risk of non-performing loans to the financing or NPF indicator will also be greater. no significant effect on the risk of financing. This means that the level of equity had no impact on the level of financing risk. Fund temporary syirkah positive significant effect on profitability. Obligations positive significant effect on profitability. Debt obligations or received will indirectly increase the amount of income. Equity does not significantly influence the risk of financing. This means that the size of the equity has no effect on the level of profitability and ROA indicators received by commercial banks financing syariah.Risiko significant negative effect on profitability. Conclusion the study shows that the temporary syirkah funds and liabilities have a significant effect on the risk of equity financing and profitability while no significant effect on risk financing and profitability.
equity of the financing risk and profitability
Strategi Manajemen Risiko Pembiayaan Murabahah Studi Kasus di BTN Syariah Yogyakarta
Awareness of the risks are well understood is an integral part of efforts to optimize the benefits of a business, especially in the business in the financial sector. The purpose of this study was to determine the risk management and strategies to deal with it in a murabaha financing in BTN Syariah Yogyakarta. Qualitative approach used in this study. While the data obtained through interviews, observation, and documentation. The results showed that the management of risk in murabahah financing in BTN Syariah Yogyakarta must be doing by minimize the risk that happening, either ona precontractand postcontract. Mitigation pre-contract is done in compliance with Standard Operating Procedureset of internal bank, do selecting to mudharib’s candidate, and feasibility analysis mudharib’s candidate. While mitigating the risk of post-contract is used a standard system with computer technology with sigma program
Konsepsi Negara Dalam Islam (Sebuah Diskursus Politik Hukum Islam)
The Qur'an introduces Islam as ad din, therefore, Islam is not just a "religion" in the narrow sense, but covers all aspects of human life. in ad-din al Islam, humans are required to menggayutkan all its activities, either born or spiritual to the supreme absolute reality, that is God Almighty. Being a Muslim, meaning, expression forever subservient and obedient to Allh SWT, devote yourself to Him. The teachings of Islam, he said, ordered to consider the interests of minorities, recognize their rights, especially all the rights included in the circle of human rights. in the concept of this country as the reference is the Qur'an and Sunnah. Thus requiring an ijtihad to review it. Countries in the Islamic perspective, if explored further in fact no concept of the state in the Qur'an Q.S. Ali Imran (3): 140, Q.S. Al-Hashr (59): 7, Q.S. Al Bagarah (2): 213, Q.S. Shura (42): 38, Q.S. An Nisa (4), while the Government of the Prophet with a combination of the people of the Ansar and muhajrin an early milestone of unity and brotherhood, as well as other people are tribes that are in the Medina area in conducting their activities as social beings with their charter Medina. This union covers all aspects of life.
Khulu' is the greatness of Islamic law in the fight for women's rights, so that if a wife is very tortured and there is no longer a sense of love and affection towards her husband, she can divorce her husband, even though divorce is hated by Allah. Khulu' also is divorce accompanied by a number of property as iwadh given by the wife to the husband in order to redeem themselves loose from marriage. Islamic law has given way to a wife who wants a divorce by filing khulu' as Islamic law gives way to the husband to divorce his wife by talak. Khulu' hated by the shari'ah as well as divorce. All sense and sense of well being refused khulu’, and only Allah that allow it to avert danger when it is unable to enforce Islamic laws. And the wisdom of khulu' is to avoid danger, namely the time of the quarrel that turmoil in a conjugal relationship until they could no longer united in the bonds of the household, then khulu’ allowed.
Pendekatan Interdisipliner Terhadap Perilaku Konsumen Bank Syariah
Interdisciplinary is a collaboration between several disciplines to respond to developments and problems of human civilization. Mu'amalah science, economics, sociology, and psychology work together to examine the behavior of Muslim consumers. Consumer behavior is the study of how individuals, groups and organizations select, purchase, use and dispose of goods, services, ideas or experiences to satisfy their wants and needs. Consumer behavior studies focused on how individuals make the decision to utilize their resources (time, money and effort) to buy goods and services consumed. This interdisciplinary approach to the Islamic bank consumer behavior is required, because basically Islamic economics as a subject of study is the contribution of the various sciences. In a study of consumer behavior resulted in two conclusions Islamic bank. Religiosity influences customer behavior Islamic bank, and other conclusions stated that in a certain level of religiosity does not affect the behavior of bank customers Shari'ah.
Sejarah Pemikiran Ekonomi Islam di Masa Rasulullah Saw.
Rasulallah Saw. was sent to the earth was carrying the mission that Allah is the almighty and take the mandate to build human civilization more dignified than ever. One form of construction was built by Rasulallah Saw. In order to create a dignified human being from the aspect of the economy. The economic aspect is a form of a right economy that is, protected from things prohibited by syara 'such as manipulation, fraud, corruption and so forth. The history records that, the beginning of Islamic economic thought has actually been done by Rasulallah Saw. and his companions (khulafaurasyidin). The economic problems of the people become very serious concerns because economic problems are the pillars of the faith that must be considered. This is as narrated by Muslims, that Rasulallah Saw. Says "Poverty leads people to disbelief". So the effort to eradicate poverty is part of the social policies undertaken by him at that time. Rasulallah Saw. laid the foundations of the state's financial system in accordance with the provisions of the Qur'an. The whole paradigm of thinking in the economic field and its application in everyday life that was inconsistent with Islamic teachings was removed and replaced with a new paradigm that conforms to Qur'anic values, namely brotherhood, equality, freedom and justice. So this was a very significant step, as well as brilliant and spectacular at the time.
Art is defined as the expertise to disclose or express ideas and thoughts a esthetics, including the ability and imagination to realize the creation of objects or the work atmosphere capable of inflicting a sense beautiful. Art is diverse and most of it always questionable in terms of Islamic law. In general, the art divided into two: first, sculpture, painting and drawing. And second, sound art. The main problem in sculpture, painting and drawing is if the object of animate beings, because on the one hand there are numbers of hadith that prohibit making images that are either raised or incurred and three dimensions. While on the other hand it has been commonly done in the community, especially in the natural environment that is fertile and rich with a variety of animals created by God as our State that inspired the artists. In addition, the sculpture on the side can be an expression of sheer beauty, it also has benefits for lessons and so on. Furthermore, sound art is a universal cultural phenomenon, practiced by many nations. In the time of the Prophet himself has been known to sing and play music. In terms of general principles of religious teachings that sound art including mu'amalat dunyawiyyah category. Restrictions on the arts (sculpture, painting, drawing, and sound) for their prudence of Muslims. Prudence was intended that they do not fall to the things that are contrary to the values of Islam which is the focal point at that time. Art as an aesthetic manifestation of the spirit of monotheism and not a waste of money but the art necessary for the improvement of human life, promotion of the dignity and the dignity and refining the soul and the mind. If so the purpose of art, then it is possible that the skill and sunnah favor, not against it.
Reposisi Kedudukan Saudara Dalam Hukum Waris Islam
Islamic inheritance law makes three categories of siblings with different parts. This difference shows that the position of siblings, siblings of one father and siblings of one mother is not the same. This is understood from the explanation of the different inheritance of the brother in the Qur'an, namely verse 12 and verse 176 surah an-Nisa '. This reading leaves a problem because in reality there is no significant importance in the distinction except the attempt to reconcile the two verses. By using a systematic reading of the theme of kalalah followed by the theory of the primary and secondary heirs, it is found that the difference in the brother's part as the heir is more to the difference of his position as the primary or secondary heir, not the difference as a sibling, siblings of one father and siblings of one mother. Therefore the repositioning of sibling position in Islamic law of inheritance should be applied.
Upaya Preventif Berkembangnya Money Game di Indonesia
Based on the fact lately, there were some methods of seeking treasure in social life nowadays. One of them was Money Game (the term of Money Game actually never found in any encyclopedia neither Wikipedia, but found only for interpretation of Ponzi Scheme Business), through members’ or investors’ recruitment. They were promised getting profit from their membership and investment, more than any bank even conventional or sharia banking ever promised. The last case of Money Game method was Dream for Freedom (D4F), found in year 2015 and ended in April 2016. The founder offered the extra ordinary profit and benefit, such as 1% profit per a day from member’s investment. This condition successfully recruited hundred thousands of members, from the low rank of education to the high one. Indonesian’s Government such as the Financial Services Authority (OJK) actually has been preventing the people from being victims and spreading of Money Game’s methods, but still the founder of any Money Game find the way to eliminate those preventing ways. Therefore Government has to try another way, through involving another institutional, even government’s Institutional or Social’s Institutional and organizations.
Urgensi Penerapan Kepatuhan Syariah pada Perbankan Syariah (Telaah Konseptual-Analitis)
The issue of shariah compliance is increasingly important, given that Islamic finance is always challenged by demand from market participants to be innovative and business oriented (eg. offering new instruments and products), as conventional financial does. This fact can encourage the Islamic financial position further improve. On the one hand they should accommodate the demand of customers that may be contrary to shariah principles, but on the other hand Islamic banks are strictly bound by shariah compliance. This paper will focus on the importance of applying aspects of shariah compliance in Islamic banking. In various opinions, the meaning of shariah compliance in Islamic banks is “the application of Islamic principles, shariah and traditions in financial transactions and banking and other related business”. Shariah is one of the indicators of Islamic disclosure to ensure the adherence of Islamic banks to shariah principles. Furthermore, at the operational level, shariah compliance is compliance to the Dewan Syariah Nasional which is the embodiment of shariah principles and rules that must be adhered in Islamic banking. Some provisions that can be used to assess shariah compliance within Islamic financial institutions are: First, contract used for the collection and distribution of funds in accordance with the priciples of shariah and the rules of shariah. Second, Zakat funds is calculated and paid, managed in accordance with the rules and principles of shariah. Third, All transactions and economic activities are reported fairy in accordance with applicable shariah accounting standards. Fourth, the work environment and corporate culture in accordance with shariah. Fift, business that are financed do not conflict with shariah. Sixthly, there is Shariah Supervisory Board (DPS) as a shariah director for the overall operational activities of Islamic banks. Seventh, the source of funds comes from a legitimate and lawful source according to shariah. Related to the implementation mechanisme of shariah compliance, there are two underlying concept both in the context of the fulfillment of accuntability horizontally and transcendental. First, The concept of shariah review must be done by DPS to conduct supervision on shariah compliance. Second, the concept of shariah internal review, Islamic banking as one of internal audit function. If the optimazation of the implementation of shariah compliance aspect in Islamic banking is a necessity, so that the impact of Islamic bank can be the only option for the society to save and do the financing.
Konsep Dasar Dalam Sistem Keuangan Syariah
Dinul Islam is a comprehensive living system that Allah swt down through His Apostle. Which includes aqidah, ubudiah, mu'amalah, mu'asyarah and morals that guide people so life is full of glory. Comprehensive concept means comprehensive rules that encompass various aspects of life, whether of dimension of belief (aqidah), ritual of self-servant (ubudiah), and social aspect ie mu'amalah, mu'asyarah and morals. In everyday life, economy is the wheel of life as a container to meet the material needs of human beings, both in individual life, and social. Islam leads its people to embrace and practice Islamic teachings in a kaffah (comprehensive / comprehensive) in all aspects of life.
Analisis Kepatuhan Prinsip-Prinsip Syariah Terhadap Kesehatan Finansial Dan Fraud pada Bank Umum Syariah
This aim of study were to determine the effect of Islamic income on financial health of sharia banks; To know the effect of financing profit sharing on financial health of sharia banks; To determine the effect of Islamic income on the fraud of sharia banks; To know financing profit sharing on fraud of sharia banks and to determine the effect financial health on fraud of sharia banks. The population research were all sharia banks in Indonesia. Selected samples were 8 sharia banks. Analysis method used path analysis. The results showed that Islamic income had positive and significant effect on financial health, financing profit sharing had positive and significant effect on financial health. Islamic income had a negative and significant effect on fraud. Shared financing had a negative and significant effect on fraud. Financial health hada positive and significant effect on fraud.
Perkembangan Transaksi Mudharabah di Perbankan Syariah
Mudaraba is a joint venture agreement between two parties, where the first party provides the entire capital is called shahibul mall and the second as the manager of the capital called mudharib. In other words, mudaraba is a term for the act of a person who entrusts his property to others to merchantability and split the profits for the two based on their agreement while losses to be borne by the property owner. Mudaraba concept was applied by sharia banks on savings accounts products, general investment accounts through deposits, special investment accounts, financing with the principle of profit sharing and mudaraba sukuk. Mudaraba as a principle of profit sharing is still practiced by Islamic banks in Indonesia with revenue sharing not lead to a profit and loss sharing. Here we can see that Islamic banks are still not ready to share profits and losses with the customer, but every effort will face profit and loss. However, we hope that in the future Islamic banks could apply the concepts of profit and loss sharing.