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Prinsip Distribusi dalam Islam dan Implementasinya dalam Ekonomi Modern: Kajian Literatur Habibis Salam; Mohd Winario; Muhammad Zakir
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 3 (2026): Juli 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i3.553

Abstract

Distribution is one of the fundamental aspects of an economic system that plays an important role in creating justice and social welfare. From the Islamic perspective, wealth distribution is not merely viewed as an economic activity, but also as part of moral and social responsibility based on the values of justice, balance, and public benefit (maslahah). The principles of distribution in Islam emphasize the prohibition of wealth concentration among certain groups, the obligation to share wealth through social instruments such as zakat, infaq, sadaqah, and waqf, as well as the requirement to conduct economic activities ethically. This article aims to examine the principles of distribution in Islam and analyze their implementation in the context of the modern economy. The method used is a literature review of relevant scientific sources, including journals, books, and academic publications. The results of the study indicate that Islamic distribution principles have strong relevance to modern economic challenges, particularly in addressing income inequality and improving social welfare. The implementation of Islamic distribution values in modern economic systems can serve as an alternative solution to creating a more just, inclusive, and sustainable economy.
Analisis Kesesuaian Syariah Dalam Implementasi Akad Mudharabah Pada Lembaga Keuangan Syariah Habibis Salam; Mohd Winario; Muhammad Zakir; Zubaidah Assyifa
Journal of Economic, Management, Business, Accounting Sustainability Vol. 3 No. 3 (2026): Agustus 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v3i3.576

Abstract

This study aims to analyze Sharia compliance in the implementation of mudharabah contracts within Sharia financial institutions, based on Islamic muamalah principles and applicable Sharia regulations. It employs a qualitative approach with a descriptive-analytical design. Data were gathered through observation, interviews, and documentation, and supplemented by a review of DSN-MUI fatwas, fiqh muamalah literature, Sharia accounting standards, books, journals, and relevant prior research. Data analysis involved data reduction, data presentation, and conclusion drawing, while data validity was verified through source and technique triangulation. The findings indicate that Sharia compliance in mudharabah contract implementation is not determined solely by the formal use of the contract; rather, it must be reflected in the fulfillment of the contract's essential elements (rukn) and conditions (syarat), capital clarity, the halal nature of business activities, agreement on the profit-sharing ratio, profit and loss distribution, transparency, and Sharia supervision. Implementation still faces challenges such as information asymmetry, moral hazard, business risk, and potential gaps between normative regulations and operational practices. Therefore, strengthening supervision by the Sharia Supervisory Board, enhancing reporting transparency, improving the parties' understanding, and ensuring consistent application of DSN-MUI fatwas are essential to ensure that mudharabah contracts operate in accordance with the principles of justice, trustworthiness, partnership, and risk-sharing within the Sharia economy.