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Implementasi Multi Akad Dalam Transaksi Ekonomi Syariah Setiadi, Setiadi; Hidayat, Asep Dadang; Ansori, Moh. Asep Zakariya; Athoillah, Mohamad Anton
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i2.3635

Abstract

The renewal of muamalah contracts is very important for the development of more dynamic, progressive and innovative Islamic banking products, so that they can compete with existing conventional banking products. The purpose of this study was to examine the legal basis and design of these multiple contracts and their application in Islamic banking products. The method used in this research is library research. with research. The results of this study are that one of the constructive efforts that is very helpful in developing Islamic banking products is al-jam'u bainal uqud/multi contract, this is a new contract that has never been discussed in classical fiqh books. Scholars allow these multiple contracts as long as they do not violate Islamic principles and values ​​because the purpose of the contracts is to clarify rights and obligations and avoid tyranny that leads to the benefit of humans in this world and the hereafter. Multi contracts in musyarakah mutanaqishah products, namely, syirkah, ijarah, and buying and selling, these contracts form one product, in ijarah Muntiyah bit-tamlik, namely wa'd contracts (promises), ijarah and buying and selling also form one product. These contracts become integrated or there is ta'alluq or attachment and linkages between contracts. Keywords: Multi Contract, Musyarakah Mutanaqisah, Ijarah Muntakiya Bit-Tamlik
Pandangan Hukum Islam Tentang Status Hukum Bunga Bank (RIBA) Suradi, Suradi; Mariana, Rani; Athoillah, Mohamad Anton
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i3.3665

Abstract

This study aims to analyze how Islamic law views the legal status of bank interest and problem solving provided by the Islamic economic legal system. In Islamic law, interest (riba) is a system and mechanism that is prohibited because it is contrary to the Qur'an and hadith. However, the system run by modern banking has not been recognized in Islam, so there are differences of opinion among Muslims. Using a normative approach, this article analyzes the sources of Islamic law on usury and looks for solutions offered in the Islamic economic system. The results of the study show that the rise of the Islamic economic legal system is based on the desire of Muslims to conduct Islamic economic transactions based on the teachings and doctrines of Islamic law. Keywords: Interest (Usury), Legal Status, Islamic Economics
Islamic Economic Solutions to Poverty and Inequality in Indonesia: Bridging Faith, Practice, Inflation, and the Balance of the Financial System Hadiat, Hadiat; Janwari, Yadi; Hasanuddin, Muhammad; Athoillah, Mohamad Anton
Asian Journal of Islamic Studies and Da'wah Vol 3 No 1 (2025): Asian Journal of Islamic Studies and Da'wah
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ajisd.v3i1.4541

Abstract

This research explores the role of Islamic economic solutions zakat, waqf, and Islamic microfinance in addressing poverty and inequality in Indonesia, a nation with a majority Muslim population and persistent socio-economic disparities. The study investigates how these faith-based financial tools contribute to poverty alleviation and social development, particularly amidst challenges such as inflation and financial system fragmentation. Positioned within the broader discourse on Islamic economics, this research evaluates the potential and limitations of these tools, offering new insights into their integration with modern financial systems. Using a mixed-methods approach, data were collected through surveys, interviews, and secondary analysis, focusing on the effectiveness and scalability of zakat, waqf, and Islamic microfinance. The findings reveal that while zakat provides immediate relief to 70% of recipients, its long-term impact is constrained by inflation and a lack of integration with development programs. Waqf shows potential for sustainable development, especially in education and healthcare, but suffers from underutilized assets due to inefficient management. Islamic microfinance empowers 75% of beneficiaries with increased income but faces challenges of limited loan sizes and financial literacy. The study concludes that addressing inflation, improving governance, and integrating Islamic economic tools with conventional financial systems are essential for maximizing their impact. These recommendations provide a pathway for sustainable poverty alleviation and economic empowerment in Indonesia.
LIVING HADITH IN THE PERSPECTIVE OF THE HAQ NAQSHBANDI SUFI ORDER Gitosaroso, Muh.; Athoillah, Mohamad Anton; Mukhtar, Naqiyah; Shobirin, Shobirin
RIWAYAH Vol 8, No 2 (2022): Riwayah : Jurnal Studi Hadis
Publisher : ilmu hadis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/riwayah.v8i2.12099

Abstract

This study aims to determine the implementation of hadith contents in the tariqa world. The command of the hadith in question is the command of dhikr. Therefore, this article discusses the practice of dhikr orders in hadith, based on the views of the Haq Naqsyabandi Order. This congregation was founded by Maulana Sheikh Tuan Guru Haji Abdussomad Al-Haqqi Habibullah in Lombok, West Nusa Tenggara, in 1986. Its followers have various backgrounds and have spread throughout the archipelago, even in foreign countries. To examine in more depth about this issue, researchers used qualitative methods and phenomenological descriptive research approaches. The data sources in this study are sourced from two things: primary sources (Murshid, Badal Murshid, Foundation Management, College Management, and active congregations) and secondary sources (relevant previous literature studies). The data collection technique in this study is the PAR (Participation Action Research) technique. At the same time, the data analysis technique used the takhrij al-ḥadīth analysis technique followed by sharh al-hadith. This article finds that many scholars recognize the command to dhikr to make Muslims generally remember Allah. However, the scholars still have their respective views on the practice of the command of dhikr from the perspective of hadith, giving rise to many kinds of implementation. Likewise, with the Haq Naqsyabandi Order, the dhikr’s obligation starts from the congregation taking allegiance (tawajjuh) with stages determined and decided by the murshid of the tariqa.[Penelitian ini bertujuan untuk mengetahui tentang bagaimana implementasi makna hadits dalam dunia tarekat. Perintah hadits yang dimaksud adalah perintah dzikir. Oleh karena itu, artikel ini membahas tentang pengamalan perintah dzikir dalam hadits, berdasarkan pandangan Tarekat Haq Naqsyabandi. Tarekat ini adalah sebuah tarekat yang didirikan oleh Maulana Syeikh Tuan Guru Haji Abdussomad Al-Haqqi Habibullah di Lombok, Nusa Tenggara Barat, pada tahun 1986. Para pengikutnya terdiri dari berbagai kalangan, dan telah menyebar ke seluruh nusantara, bahkan di manca negara. Untuk mengkaji secara lebih mendalam mengenai persoalan ini, peneliti menggunakan metode kualitatif dan pendekatan penelitian deskriptif fenomenologis. Sumber data dalam kajian ini bersumber pada dua hal yaitu sumber primer (Mursyid, Badal Mursyid, Pengurus Yayasan, Pengurus Perguruan, dan jamaah aktif) dan sumber sekunder (kajian kepustakaan terdahulu yang terkait). Teknik pengumpulan data dalam kajian ini melalui teknik PAR (Partisipation Action Riseach). Sedangkan teknik analisis data menggunakan teknik analisis takhrīj al-ḥadīth yang dilanjutkan dengan sharḥ al-ḥadīth. Artikel ini menemukan bahwa perintah untuk berdzikir diakui oleh banyak ulama sebagai upaya agar umat Islam secara umum dapat mengingat Allah. Namun, para ulama masih memiliki pandangan masing-masing dalam pengamalan perintah dzikir perspektif hadis sehingga menimbulkan banyak macam pelaksanaannya. Demikian juga dengan Tarekat Haq Naqsyabandi, bahwa kewajiban dzikir dimulai dari sejak jamaah berbai’at (ditawajjuh) dengan tahapan yang telah ditentukan dan diputuskan oleh mursyid tarekat.]
Credit or Financing Analysis in Banking Institutions in the Perspective of Qiyas Kusnoto; Athoillah, Mohamad Anton; Sholehudin, Ending; Huda, Uu Nurul; Bambang Waluyo
Nurani Vol 24 No 2 (2024): Nurani: jurnal kajian syari'ah dan masyarakat
Publisher : Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/nurani.v24i2.24718

Abstract

Banks, including Islamic banks, prioritize caution when lending money by using credit analysis methods like the 5C and 7P frameworks. Before approving a loan or financing request, banks assess applicants to minimize the chance of defaults. Questions arise regarding the law of credit analysis in banks from the perspective of the Qur’an, which is the source of Islamic economic law. This research is qualitative research with a normative juridical approach by examining legal verses in the Qur’an and linking them to qiyas. The research results show that verse 5 and 6 of the an-Nisa contain a prohibition on handing over assets to people who are not competent to manage them and contain orders to carry out tests before handing over a funds. 'The law contained in the condition is that in the case of incompetence in managing funds, testing is required before handing over the funds. Overall, the study concludes that credit analysis practices in banks align well with these principles, making them not only advisable but also encouraged under Islamic law.
The Role of Central Banks in Inflation and Exchange Rate Stability Amidst Global Economic Challenges: Monetary Policy Approach Juarsa, Eka; Janwari, Yadi; Hasanuddin, Muhammad; Ridwan, Ahmad Hasan; Athoillah, Mohamad Anton
Strata International Journal of Social Issues Vol. 2 No. 1 (2025): February
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sijosi.v2i1.303

Abstract

The global economic landscape poses significant challenges for developing countries, including Indonesia, particularly in managing inflation and exchange rate stability. This study investigates the role of central banks, with a specific focus on Bank Indonesia (BI), in maintaining economic stability amidst global economic uncertainties. Inflation, characterized by sustained price level increases and exchange rate fluctuations driven by international market dynamics and monetary policies, is identified as the primary concern affecting economic stability, purchasing power, and trade balance. The study highlights the pivotal role of BI’s inflation-targeting framework and adaptive monetary policy approaches in addressing these challenges and enhancing economic resilience. Using a qualitative descriptive analysis, the research draws on scholarly literature, official reports, and relevant academic sources to explore the effectiveness of BI’s strategies. Findings indicate that BI’s multifaceted role in inflation control and exchange rate management supports sustainable economic growth while adapting to global economic complexities. Recommendations emphasize the need for enhanced policy transparency, strategic collaboration with government and international stakeholders, and the development of adaptive monetary innovations to address digital disruptions and structural economic shifts. This study contributes to academic literature and offers actionable insights for strengthening Indonesia’s economic stability.
Sharia Economic Law Criticism on Muhammad Syahrûr’s Hudûd Theory Regarding Bank Interes Eka Rahayu, Annisa; Kamaludin Yusup, Deni; Athoillah, Mohamad Anton; Hakim, Sofyan Al
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 8 No. 2 (2024): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v8i2.3949

Abstract

n modern economics applied by conventional financial institutions, the interest system is inseparable. Economic system based on sharia principles emerged as a solution to riba-based (usury-based) transactional activities, which in sharia economic law is in the khilafiyyah (dissent) territory amongst scholars regarding whether the conventional bank interest is riba which is prohibited by Islamic law. A figure named Muhammad Syahrûr came up and offered his theory of limits (nazhariyyah al-hudûd) in providing riba limitations in the Quran. This research aims to describe M. Syahrûr's thoughts on bank interest based on his theory of limits, and to analyze it based on the review of sharia economic law (fiqh muamalah mâliyyah). this reseach is understood as a literary study research which is a research on secondary materials. The type of data used in this research is secondary data, which is literature focusing on the thoughts of a figure, which is Muhammad Syahrûr.The result of the research shows that Muhammad Syahrûr's opininion that allows the practice of bank interest based on his theory of limits (nazhariyyah al-hudûd) is a marjûh (weak) opinion, since it is not supported by valid arguments and it also contradicts the opinions of the jumhur ulama (the majority of the scholars).
Optimizing the Management of the Indonesian State Budget in a Sharia Perspective: Theoretical Review and Policy Recommendations Gozaly, Ahmad Yusdi; Janwari, Yadi; Hasanuddin, Muhammad; Athoillah, Mohamad Anton
Strata International Journal of Social Issues Vol. 2 No. 1 (2025): February
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sijosi.v2i1.314

Abstract

The management of the State Budget (APBN) is a key instrument in fiscal policy, playing a crucial role in achieving economic growth, price stability, and income distribution. However, in recent years, Indonesia’s APBN management has faced various challenges, including a continuously increasing budget deficit, suboptimal expenditure efficiency, and limited state revenue sources. To address these issues, the Islamic economic perspective offers an alternative approach that emphasizes justice, transparency, and sustainability in public financial management. This study employs a descriptive qualitative method through a literature review to analyze APBN management based on Islamic economic principles. The findings indicate that the implementation of Sharia-compliant financial instruments, such as zakat, waqf, and sukuk, can reduce reliance on interest-bearing debt while sustainably increasing state revenue. Furthermore, applying transparency, accountability, and efficiency principles in APBN management in accordance with Sharia values can enhance public trust in the government and Islamic financial institutions. Optimizing APBN management from a Sharia perspective requires strengthening Islamic financial literacy, improving the capacity of zakat and waqf management institutions, and harmonizing regulations that support the integration of Sharia financial instruments into the national fiscal system. Through a more just and sustainable approach, Indonesia can achieve more effective budget management and promote inclusive and competitive national development.
Zakat Regulation Review: Badan Amil Zakat Nasional’s Regulation Review Concerning the Validity of BAZNAS Cianjur Nugraha, Ahmad Lukman; Ridwan , Achmad; Athoillah, Mohamad Anton; Ridwan, Ahmad Hasan
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 1 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i1.3950

Abstract

This study examines the implementation of BAZNAS Regulation No. 1 of 2019, which governs the procedures for the appointment and dismissal of BAZNAS leaders at both the provincial and regency levels. The primary objective of this research is to provide strategic recommendations for evaluating the regulation, thereby fostering a shared understanding between regional authorities and BAZNAS RI. The study adopts a qualitative research methodology, employing a sociological legal approach. Data collection was conducted through observational studies at BAZNAS Cianjur. The findings reveal that the implementation of BAZNAS Regulation No. 1 of 2019 has resulted in divergent interpretations, particularly concerning the authority of regional heads in appointing BAZNAS leadership candidates. The Cianjur Government maintains that regional heads possess exclusive authority in this process, free from external influence, including that of BAZNAS RI. In response to these interpretational differences, this study proposes several recommendations to harmonize the appointment process. First, the selection procedure should include formal discussions between leadership candidates and regional heads. Second, regional heads should conduct an additional factual verification process and maintain records on prospective candidates. However, in cases where a candidate is deemed legally ineligible, BAZNAS RI retains the authority to disqualify the individual and issue a formal Letter of Consideration. Third, candidates for BAZNAS leadership should hold certification as amil zakat practitioners. Lastly, the profession of amil zakat should be formally integrated into the Indonesian National Work Competency Standards. These recommendations aim to enhance the clarity and effectiveness of regulatory implementation, thereby promoting a more structured and coherent approach to leadership appointment within BAZNAS.  
Challenges and Opportunities of Sharia Marketing in Indonesia: An Ethical and Cultural Perspective Hakiki, Muhamad Fuji; Nelis Jamjam Munawaroh; Melani; Kurniawan; Athoillah, Mohamad Anton
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sharia marketing in Indonesia holds great potential due to the country's predominant Muslim population. Fundamental sharia principles such as the prohibitions on riba, gharar, and maysir form the foundation for developing marketing practices that align with Islamic teachings. However, the implementation of sharia marketing in Indonesia faces several challenges, including varied consumer understanding of the halal concept, cultural diversity, and competition from more affordable conventional products. Regulations and sanctions from the Indonesian Halal Product Assurance Agency (BPJPH) reinforce business compliance with halal standards, while digital technology provides opportunities for companies to expand consumer education and enhance product transparency. Collaborations with Muslim influencers and the use of social media have also proven effective in raising consumer awareness, especially among younger generations. This study aims to analyze the challenges and opportunities of sharia marketing in Indonesia from an ethical and cultural perspective, as well as identify marketing strategies that can enhance Muslim consumer trust and loyalty. The findings indicate that effective sharia marketing can strengthen the national economy by increasing the competitiveness of halal products, supporting MSMEs, and contributing to the sustainable growth of the halal industry.