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Arbanur Rasyid
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
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AKAD IJARAH DALAM BISNIS SYARIAH: ANALISIS KRITIS TERHADAP IMPLEMENTASI KONTEMPORER DALAM PERSPEKTIF MAQASID SYARIAH Fatimah Suhroh; Arbanur Rasyid
EKSYA : Jurnal Ekonomi Syariah Vol 6 No 2 (2025): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

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Abstract

Abstract This research aims to analyze the ijarah contract in sharia business, focusing on its contemporary implementation from the perspective of maqasid syariah, and evaluate its compliance with sharia principles such as justice, transparency, and economic sustainability. This research uses a normative qualitative method with a library research approach, where data is collected through documentation studies of relevant primary and secondary literature. The results of the study indicate that although the ijarah contract has a strong sharia basis and can be applied in various forms of transactions, contemporary practices such as sharia leasing and ijarah muntahiyah bi al-tamlik (IMBT) still face several problems. These include similarities with interest in conventional leasing, risk transfer to the lessee, and minimal transparency in the contract. The implication of this research is the importance of reformulation in modern ijarah practices, by emphasizing clear separation of contracts, transparency of costs, and fair risk sharing between the landlord and tenant, so that ijarah can function in accordance with maqasid syariah and contribute to sustainable economic development.
ANALYSIS OF THE CONTRIBUTION AND INTERACTION BETWEEN INFLATION, ZAKAT POTENTIAL AND POVERTY LEVEL TOWARDS THE HUMAN DEVELOPMENT INDEX (HDI) MD. Syahwali Ramadhan; Arbanur Rasyid; Rukiah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 12 (2025): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i12.1529

Abstract

The Human Development Index (IPM) is an illustration of the development of human welfare in a country. Indonesia, which has 34 provinces and several provinces still have HDI levels, some are still below 70% and are in the moderate HDI category. This condition can be related to policies taken from a country both from the strategy of maintaining inflation, empowering zakat potential and maintaining poverty levels. The purpose of this study was to analyze the influence, interaction and causality relationship between inflation, zakat potential, poverty level and human development index in provinces in Indonesia. The theory used in this study is related to macro variables such as inflation, zakat potential, poverty level and the Human Development Index. This research is a quantitative study using secondary data with a sampling technique with saturated sampling of 34 samples, and analyzed using the VAR method with computer program statistical toolsEviews 10. The research results show based on analysisVector Error Correction Model(VECM) Inflation has an effect of 27%, the potential for zakat has an effect of 0.002%, and the poverty rate has an influence of 10.4% Based on the analysisImpuls Response Function (IRF), The potential for zakat is the variable that has the highest response by other variables, then the response to the poverty rate and finally the inflation variable where the dynamic shock is stable between the 15th to the 20th year. Results of the analysisForcast error Variance Decomposition (FEVD) shows the potential for zakat and the poverty rate to be the variables that have the greatest contribution to other variables, namely 31.44% and 4,76%. The variable that has the lowest response and contribution to other variables is the inflation variable of 3.79% .
Murabahah sebagai Instrumen Pembiayaan dan Sumber Profitabilitas Perbankan Syariah di Indonesia Aulia, Ruli; Pulungan, Nurhidayani; Rasyid, Arbanur
Sinergi : Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): Sinergi: Jurnal Ilmiah Multidisiplin
Publisher : PT. AHLAL PUBLISHER NUSANTARA

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Abstract

The development of Islamic banking in Indonesia has shown significant growth along with the increasing demand for financial services that comply with Sharia principles. In practice, murabaha has become the most dominant financing contract due to its simple structure, fixed margin, and ease of implementation. This study aims to analyze the role of murabaha as a financing instrument and a major source of profitability in Islamic banking in Indonesia. This research employs a descriptive qualitative approach using a library research method by reviewing relevant scholarly journals, books, and official publications. The findings indicate that murabaha financing contributes significantly to the financial performance of Islamic banks, particularly in improving profitability ratios such as Return on Assets (ROA) and Return on Equity (ROE) through relatively stable margin income. Nevertheless, the dominance of murabaha also poses challenges in terms of portfolio concentration, non-performing financing risk, and the reduced role of profit-and-loss sharing principles. Therefore, the development of murabaha should be accompanied by stronger governance, contract diversification, and enhanced Islamic financial literacy in order to align profitability objectives with the achievement of maqasid al-shariah and equitable economic development. Perbankan syariah di Indonesia mengalami perkembangan yang pesat, seiring dengan semakin tingginya permintaan masyarakat terhadap sistem keuangan yang sesuai dengan prinsip-prinsip syariah. Dalam praktik, akad murabahah telah menjadi produk pembiayaan yang paling banyak digunakan oleh bank syariah, karena dianggap memiliki struktur yang sederhana, kepastian margin, dan kemudahan dalam pelaksanaannya. Penelitian ini bertujuan untuk meneliti peran murabahah sebagai alat pembiayaan sekaligus sumber utama keuntungan bagi perbankan syariah di Indonesia. Metode yang diterapkan dalam penelitian ini adalah kualitatif deskriptif dengan pendekatan studi pustaka, melalui analisis terhadap jurnal ilmiah, buku, dan publikasi resmi yang relevan. Temuan dari kajian ini menunjukkan bahwa pembiayaan murabahah berkontribusi secara signifikan terhadap kinerja finansial bank syariah, terutama dalam meningkatkan rasio profitabilitas seperti Return on Assets (ROA) dan Return on Equity (ROE) melalui pendapatan margin yang stabil. Namun, dominasi murabahah juga menghadirkan tantangan, seperti konsentrasi portofolio, risiko pembiayaan yang bermasalah, dan pengurangan fungsi prinsip bagi hasil. Oleh karena itu, pengembangan murabahah perlu diimbangi dengan peningkatan tata kelola, diversifikasi akad, dan peningkatan pemahaman tentang keuangan syariah agar sejalan dengan tujuan maqashid al-shariah dan pembangunan ekonomi yang berkeadilan.  
Perlindungan Hak Konsumen dalam Bisnis Syariah Melalui Mekanisme Jaminan dan Garansi (Studi Fikih Muamalah) Siregar, Muhammad Yoga; Rasyid, Arbanur
Sinergi : Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): Sinergi: Jurnal Ilmiah Multidisiplin
Publisher : PT. AHLAL PUBLISHER NUSANTARA

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Abstract

The development of contemporary sharia-based business and financial institutions has increased the need for a legal and ethical protection system that ensures justice, certainty, and security for all parties involved in transactions, particularly consumers. In practice, problems such as default, product defects, information asymmetry, and imbalance of bargaining power often lead to consumer losses. In Islamic jurisprudence (fiqh muamalah), such protection is provided through guarantee and warranty mechanisms, namely kafālah as personal guarantee, rahn as collateral guarantee, and khiyar ‘aib as the consumer’s right to return or cancel a contract due to hidden defects. Based on this framework, this study analyzes consumer protection in sharia business through guarantee and warranty mechanisms from the perspective of fiqh muamalah. This research employs a qualitative approach with a library research method, utilizing primary sources such as the Qur’an, Hadith, classical fiqh literature, DSN-MUI fatwas, as well as contemporary academic journals and books. Data are analyzed using descriptive-analytical methods to examine the legal foundations, contractual characteristics, and their relevance to current sharia business practices. The findings indicate that kafalah, rahn, and khiyar ‘aib constitute an integrated system of consumer protection that is in line with the objectives of maqasid al-shari‘ah, particularly in safeguarding property (ḥifẓ al-mal) and ensuring justice in commercial transactions.   Perkembangan bisnis dan lembaga keuangan syariah yang semakin rumit memerlukan adanya sistem perlindungan yang dapat memastikan kepastian hukum, keadilan, serta keamanan untuk semua pihak yang terlibat dalam transaksi, terutama bagi konsumen. Dalam praktik transaksi, terdapat risiko terjadinya wanprestasi, produk cacat, ketidakadilan informasi, dan ketidakseimbangan posisi tawar yang seringkali menyebabkan kerugian. Dalam fikih muamalah, perlindungan terhadap situasi ini telah dirancang melalui berbagai instrumen jaminan dan garansi, seperti kafalah sebagai jaminan pribadi, rahn sebagai jaminan atas barang, serta khiyar ‘aib yang memberikan hak kepada konsumen terkait barang yang rusak.  Dengan latar belakang tersebut, penelitian ini bertujuan untuk mengkaji perlindungan hak konsumen dalam bisnis syariah dengan menggunakan mekanisme jaminan dan garansi dari sudut pandang fikih muamalah. Metode yang diterapkan adalah penelitian kualitatif dengan pendekatan studi pustaka yang merujuk pada Al-Qur’an, Hadis, kitab fikih, fatwa dari DSN-MUI, dan literatur ilmiah terbaru. Proses analisis data dilakukan secara deskriptif-analitis untuk meneliti dasar hukum, karakteristik akad, dan keterkaitannya dengan praktik bisnis syariah masa kini. Temuan dari kajian ini menunjukkan bahwa konsep kafalah, rahn, dan khiyar ‘aib memiliki peran penting dalam menyediakan perlindungan konsumen yang sesuai dengan prinsip maqaṣid al-syari‘ah, terutama dalam menjaga harta (ḥifẓ al-mal) dan menegakkan keadilan dalam transaksi.
Implementasi Akad Syirkah dalam Bisnis Syariah Modern: Tinjauan Fikih Muamalah dan Tantangan Kelembagaan Handayani, Nia; Rasyid, Arbanur
Sinergi : Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): Sinergi: Jurnal Ilmiah Multidisiplin
Publisher : PT. AHLAL PUBLISHER NUSANTARA

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Abstract

Shirkah is a fundamental contract in Islamic commercial jurisprudence (fiqh muamalah) that embodies the principles of partnership, justice, and risk sharing in economic activities. In the context of modern Islamic business, shirkah has significant potential as a partnership-based financing and cooperation model oriented toward fairness and social welfare. However, its practical implementation still faces various challenges related to jurisprudential understanding, Islamic business ethics, and institutional as well as regulatory frameworks. This study aims to analyze the concept of shirkah from the perspectives of fiqh muamalah, Islamic ethical values, and its application in contemporary Islamic business and financial systems. This research employs a qualitative library research approach, drawing on classical fiqh literature, DSN-MUI fatwas, AAOIFI standards, Financial Services Authority (OJK) regulations, and reputable academic journal articles. Data are analyzed using a descriptive-analytical method within the framework of maqāṣid al-sharī‘ah. The findings indicate that shirkah is normatively highly relevant as a fair and sustainable partnership model; however, its optimization is constrained by information asymmetry, moral hazard, regulatory complexity, and institutional governance limitations. Therefore, strengthening the integration of jurisprudential, ethical, and regulatory aspects is essential to ensure transparent, accountable, and sharia-compliant implementation of the shirkah contract.   Akad syirkah merupakan salah satu akad utama dalam fikih muamalah yang merepresentasikan prinsip kemitraan, keadilan, dan pembagian risiko (risk sharing) dalam aktivitas ekonomi Islam. Dalam konteks bisnis syariah modern, akad syirkah memiliki potensi besar sebagai instrumen pembiayaan dan kerja sama usaha yang berorientasi pada kemaslahatan dan keadilan distributif. Namun, implementasinya masih menghadapi berbagai tantangan, baik dari aspek pemahaman fikih, etika bisnis, maupun kerangka kelembagaan dan regulasi. Penelitian ini bertujuan untuk menganalisis konsep akad syirkah berdasarkan perspektif fikih muamalah, nilai-nilai etika bisnis Islam, serta problematika penerapannya dalam sistem bisnis dan keuangan syariah kontemporer. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan studi kepustakaan (library research) yang bersumber dari kitab fikih, fatwa DSN-MUI, standar AAOIFI, regulasi Otoritas Jasa Keuangan, serta artikel jurnal ilmiah bereputasi. Analisis dilakukan secara deskriptif-analitis dengan menelaah dan menginterpretasikan literatur berdasarkan kerangka maqāṣid al-syarī‘ah. Hasil kajian menunjukkan bahwa akad syirkah secara normatif sangat relevan sebagai model kemitraan yang adil dan berkelanjutan, namun optimalisasinya masih terkendala oleh asimetri informasi, risiko moral hazard, kompleksitas regulasi, serta keterbatasan tata kelola kelembagaan. Oleh karena itu, diperlukan penguatan integrasi antara aspek fikih, etika, dan regulasi agar implementasi akad syirkah dapat berjalan secara transparan, akuntabel, dan sesuai dengan prinsip syariah.  
Estimasi Pertumbuhan Investasi Sukuk dalam Pencapaian Sustainable Development Goals (SDGs) di Indonesia Nasution, Adinda Maharani; Rasyid, Arbanur; Lubis, Rukiah
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

This study aims to determine the best model and method for forecasting the growth of sukuk investment in Indonesia and to forecast the growth of Sovereign Sukuk investment seven years ahead, precisely at the end of the Sustainable Development Goals (SDGs) program in 2030. This quantitative study uses Sovereign Sukuk data from 2009 to 2023 obtained from Bank Indonesia (BI). The sampling technique used in this study is purposive sampling, which uses 179 monthly data on Indonesian Sovereign Sukuk investment. The data analysis in this study uses the eviews 10 application with an econometric approach. The results of this study analysis show that the best method for forecasting sukuk investment growth in Indonesia is ARIMA Box Jenskins with the ARIMA (7,1,1) model. The growth value of Indonesian Sovereign Sukuk investment after forecasting for the next seven years continues to increase yearly. This is triggered by the increasing public awareness to contribute to Indonesia's development. The peak growth in Sovereign Sukuk investment is predicted to occur in 2030 at the end of the Sustainable Development Goals (SDGs) agenda, showing a figure of Rp. 1.167.071.086.806.520. This condition should be a concern to the government, so that Sovereign Sukuk can be utilised to achieve the Sustainable Development Goals (SDGs) program in Indonesia.
Co-Authors . Zulfan Abdi Jaya Abdul Nasser Hasibuan adanan murrah Afifah Vinandita Ahmad Wardana Ali Hardana Andri Soemitra Andri Soemitra Andri Soemitra Andriani, Rika Angraini Lubis, Anita Arti Damisa Aulia, Ruli ayu rumi Aziz Siregar, Fatahuddin Daulay, Nurfia Sintia Desi Widia Pernanda SMJ Fatimah Suhroh Fitri Yani Lubis gautama, budi Halim Harahap, Abdul Hanizar Meda Simbolon Harahap, Muhammad Parwis Halim Hotman Pandapotan HSB, Putra Halomoan Hutagalung, Muhammad Wandisyah R Ibrahim Siregar Idris Saleh ira widya ishak ishak Ismail Nura Jafar Nasution Jarudin Jarudin johannes johannes Keskarnain, Keskarnain Lubis, Fitri Yani Lubis, Maulana Lubis, Rayendriani Fahmei Lubis, Rizki Mulia M Fauzan Maulana Arafat Lubis MD. Syahwali Ramadhan Mohd Roslan Mohd Nor Muhamad Basyrul Muvid Muhammad Ridwan Muhammad Ridwan muhammad wandisyah Muhammad Wandisyah Hutagalung Muhammad Wandisyah R Hutagalung Muhammad Wandisyah R Hutagalung Muhammad Wandisyah R. Hutagalung Musda Asmara Muzamil, Sanupal Nashran Azizan Nasirin, Wanda Khairun Nasution, Adinda Maharani Nasution, Hasbi Assiddiqi Nia Handayani Nura, Ismail Nurhajijah, Nurhajijah Pane, Mujahidun Hapisni Pasaribu, Nona Soraya Permana, Taufik Hadi Puji Kurniawan Pulungan, Nurhidayani rahmat annam Rayendriani Fahmei Lubis Rayendriani Fahmei Lubis Romando Yusrat Rukiah Rukiah Lubis Rukiah Rukiah Sarmiana Batubara Sawaluddin Siregar SIREGAR, BUDI GAUTAMA Siregar, Deni Afnita Siregar, Depanan Habib Siregar, Fatahuddin Aziz Siregar, Muhammad Yoga Siregar, Sawaluddin Sri Yanti Aisyah Lubis suaibah suaibah Sulaiman Efendi Siregar Utari Evy Cahyani Utari Evy Cahyani Yanti Aisyah Lubis, Sri Zulaika Matondang