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Perilaku Ekonomi, Monopoli, dan Korupsi: Kajian Sistem Hisbah dalam Perspektif Psikologi Ekonomi Islam Santoso, Haris
Bulletin of Counseling and Psychotherapy Vol. 6 No. 3 (2024): Bulletin of Counseling and Psychotherapy
Publisher : Kuras Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/002024061788000

Abstract

Monopoly and corruption remain major challenges in modern economic governance, particularly in developing countries such as Indonesia. These problems indicate that economic distortions are not merely caused by regulatory weaknesses, but are also rooted in deviant economic behavior, including moral disengagement, abuse of power, and weak ethical internalization among market actors. This study aims to analyze the hisbah system as an Islamic economic supervisory mechanism and examine its relevance in preventing monopoly and corruption from the perspective of Islamic economic psychology. This research employs a qualitative descriptive approach using library research methods. Primary sources consist of classical Islamic scholarly works by Al-Māwardī, Ibn Taimiyah, and Al-Ghazālī, while secondary sources include contemporary studies on monopoly, corruption, and economic supervision. In addition, this study incorporates perspectives from economic psychology to analyze behavioral motivations, ethical decision-making, and the psychological factors influencing economic conduct and market behavior. Data are analyzed through content analysis and comparative analysis to explore the behavioral and psychological dimensions of the hisbah system in relation to modern economic governance. The findings indicate that hisbah functioned not only as a legal and administrative institution, but also as a moral and psychological instrument that shaped ethical economic behavior through preventive supervision, value internalization, and social accountability. In contrast, modern supervisory systems tend to be reactive, fragmented, and predominantly legalistic, often neglecting behavioral aspects. This study concludes that integrating hisbah principles into contemporary economic governance can strengthen efforts to prevent monopoly and corruption by fostering ethical behavior and sustainable economic justice.
Analisis Penerapan Penalti pada Pencaiaran Deposito Mudharabah Sebelum Jatuh Tempo di Bank Aman Syariah Widia Asmerianti, Dian; Santoso, Haris
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10859

Abstract

Mudharabah deposits are a fund collection product in sharia banking which is carried out based on a cooperation agreement between the customer as shohibul maal and the bank as mudharib with a profit sharing system. This product has a certain period of time so that funds cannot be withdrawn before maturity. However, in practice there are still customers who withdraw their deposits before they are due, because of the urgent need to anticipate this, Sharia safe banks implement a penalty policy as a consequence of contract violations. This research aims to analyze the application of penalties for disbursement of mudharabah deposits before maturity and assess the effectiveness of penalties in preventing customers' decisions to withdraw funds early. This research uses a qualitative method with a descriptive approach through interview techniques, observation and documentation. The research results show that penalties function as a control for customers not to withdraw deposits before maturity, but are not always the main consideration in customer decision making when faced with urgent economic needs.