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All Journal MUQTASID Khatulistiwa: Journal of Islamic Studies Al-Maslahah Journal of Islamic Law AL-ARBAH: Journal of Islamic Finance and Banking Khatulistiwa Law Review Jurnal Hukum Islam dan Hukum Keluarga
Rasiam, Rasiam
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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RASIONALISASI PENGHARAMAN BUNGA BANK Rasiam, Rasiam
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v5i1.145-161

Abstract

Kemauan untuk mengembangkan ekonomi syari?ah bukan semata­matahanya dilatar bekangi oleh semangat keberagamaan belaka akan tetapiterdapat pengungkapan fakta akan kebenaran teori dan praktik dari hasilevolusi ilmu pengetahuan khususnya dalam bidang ekonomi. Perspektifkeadilan menjadi alasan utama sehingga muncul ghiroh untuk meng arti­kulasikan di dunia nyata. Faktanya ekonomi syari?ah telah berkembang dibeberapa Negara bahkan di Negara yang sebelumnya telah melahirkan danmenerapkan konsep ekonomi konvensional dengan sistem kapitalistik.Seiring dengan perkembangan tersebut, ekonomi syari?ah mulai bermunculandi perguruan­perguruan tinggi. Dalam kontek riil, sistem ekonomi syari?ahsudah dipratikkan di dunia perbankan. Untuk di Indonesia landasan dasardilaksanaknnya praktik perbankan syariah adalah lahirnya UU No. 7 Tahun1992 yang kemudian dirubah menjadi UU No. 10 Tahun 1998. Pada tahun2008 yang lalu lahir kembali UU No. 21 tentang Perbankan Syariah. LahirnyaUU ini memberi daya tambah akan fungsi perbankan syariah, disampingsebagai lembaga untuk menghimpun dan menyalurkan dana, juga terdapatfungsi sosial yaitu menerima dana zakat, infak, sedekah, hibah dan lainnyauntuk disalurkan kepada organisasi pengelola zakat, dan menerima wakafuang dan menyalurkannya ke pengelola (nazhir).
RASIONALISASI PENGHARAMAN BUNGA BANK Rasiam, Rasiam
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v5i1.145-161

Abstract

Kemauan untuk mengembangkan ekonomi syari’ah bukan semata­matahanya dilatar bekangi oleh semangat keberagamaan belaka akan tetapiterdapat pengungkapan fakta akan kebenaran teori dan praktik dari hasilevolusi ilmu pengetahuan khususnya dalam bidang ekonomi. Perspektifkeadilan menjadi alasan utama sehingga muncul ghiroh untuk meng arti­kulasikan di dunia nyata. Faktanya ekonomi syari’ah telah berkembang dibeberapa Negara bahkan di Negara yang sebelumnya telah melahirkan danmenerapkan konsep ekonomi konvensional dengan sistem kapitalistik.Seiring dengan perkembangan tersebut, ekonomi syari’ah mulai bermunculandi perguruan­perguruan tinggi. Dalam kontek riil, sistem ekonomi syari’ahsudah dipratikkan di dunia perbankan. Untuk di Indonesia landasan dasardilaksanaknnya praktik perbankan syariah adalah lahirnya UU No. 7 Tahun1992 yang kemudian dirubah menjadi UU No. 10 Tahun 1998. Pada tahun2008 yang lalu lahir kembali UU No. 21 tentang Perbankan Syariah. LahirnyaUU ini memberi daya tambah akan fungsi perbankan syariah, disampingsebagai lembaga untuk menghimpun dan menyalurkan dana, juga terdapatfungsi sosial yaitu menerima dana zakat, infak, sedekah, hibah dan lainnyauntuk disalurkan kepada organisasi pengelola zakat, dan menerima wakafuang dan menyalurkannya ke pengelola (nazhir).
Quotation/Parenthesis Qur’an Verse Before Beginning Deed In The Structure Of Notary Deed In Sharia Financial Institutions’ Contract Usman, Sandi Aji; Rasiam, Rasiam
AL-ARBAH: Journal of Islamic Finance and Banking Vol 1, No 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.v1i1.4168

Abstract

Purpose - This research aims to reveal and describe the issue of Islamic financial institutions' contract structure, the practice of the Qur'an quotation/parenthesis in the notary deed structure in Sharia financial institutions ' contract.Method - The method used in this research is normative juridical, with the processing and analysis of data in a qualitative descriptive way, this research data is sourced from secondary data and supported by interviews from sources as supporting data Secondary. The approach is to study with the regulatory approach of legislation.Result - In Islamic Sharia or fatwa is not regulated about the structure of the deed on the deed authentic or under the hands, but which is governed only the principles or basic rules only. Structure of authentic deed made by notary official, especially the deed in financial institution that includes quotation of Qur'an verses using Indonesian language before deed title does not violate the provisions of UUJN.Implication - The absence of the form of the standard structure of sharia agreement both for sharia transactions and in particular sharia financial institutions should be the financial Services Authority in collaboration with the organization of Indonesian Notary Association (INI) who is already experts to Making authentic deed in the form of raw in accordance with UUNJ.Originality - The focus of this research is to reveal and describe the issue of Islamic financial institutions ' contract structure. 
Integration of New Media and Prophetic Communication Enhanced for Zakah, Infāq, Ṣadaqah, and Waqf Fundraising: A Case Study of Baitulmaal Munzalan Indonesia Rasiam, Rasiam; Umiyati, Umiyati; Habibullah, Habibullah; Syahrir, Dimas Kenn; Said, Muhammad
Journal of Islamic Law Vol. 4 No. 1 (2023): Journal of Islamic Law
Publisher : Institut Agama Islam Negeri (IAIN) Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jil.v4i1.1167

Abstract

Recent developments in Islamic philanthropic practices have shifted from traditional to modern ways through the use of information technology. This article seeks to analyze how prophetic communication is integrated by Baitulmaal Munzalan Indonesia (BMI) in its use of new media to enhance Zakah, Infāq, Ṣadaqah, and Waqf (Ziswaf) fundraising. This research uses a qualitative method by conducting field work through primary and secondary data collection. Primary data were collected through observation and interviews with members of the executive board and managers of this institution, while secondary data were obtained by exploring its website and social media. We found that the BMI has been using a number of new media, both online media and social media, to build the trust of the Muslim community in charity. Millennials are recruited as agents to carry out all of the BMI’s carefully planned programs. Through its social media, the BMI uses prophetic communication by involving several well-known ustadz (preachers) on social media as ambassadors for Ziswaf fundraising. We argue that the transformation of new media that communicate religious messages and are supported by the millennial movement has become an ecosystem for collecting, managing and distributing Ziswaf funds in its latest practice.
PERSEPSI SISWA KELAS XI SMAIT AL-FITYAN TAHUN AJARAN 2020-2021 TERHADAP UU NO 1 TAHUN 1974 DAN UU NO 16 TAHUN 2019 TENTANG BATAS UMUR PERNIKAHAN Alhakim, Rastra Taufiq; Rasiam, Rasiam; Ardiansyah, Ardiansyah
Al-Usroh Vol. 2 No. 1 (2022): Al-Usroh: Jurnal Hukum Islam dan Hukum Keluarga
Publisher : Institut Agama Islam Negeri (IAIN) Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-usroh.v2i1.598

Abstract

Tujuan penelitian ini adalah untuk mengetahui: Persepsi siswa terhadap UU No 1 Tahun 1974 dan UU No 16 Tahun 2019 tentang batas umur pernikahan. Metode penelitian yang digunakan adalah metode deskriptif, dengan pendekatan kuantitatif. Sumber yang digunakan adalah menggunakan populasi dan sampel yaitu siswa kelas XI di SMAIT Al-Fityan dengan jumlah responden dalam penelitian sebanyak 56 siswa. Adapun teknik yang digunakan dalam penelitian ini adalah menggunakan penyebaran angket dan alat yang digunakan penelitian menggunakan kuisioner. Adapun Instrumen penelitian diuji terlebih dahulu sebelum digunakan, untuk uji validitas dengan menggunakan sebanyak 20 responden dengan taraf signifikan dua arah 5% sehingga didapatkan standar penilaian sebesar 0,444 dan untuk uji validitasnya dengan standar penilaian sebesar 0,6. Adapun analisis yang digunakan dalam data menggunakan statistik deskriptif yaitu data berupa angka-angka dianalisis menggunakan rumus kemudian hasil dari analisis tersebut di deskripsikan dan diuraikan kedalam pembahasan. Hasil penelitian menunjukkan: Untuk persepsi Siswa Terhadap UU No 1 Tahun 1974 tentang batas umur pernikahan menunjukkan bahwa untuk kategori Sangat Positif menunjukkan 59 %, kategori Positif 39 %, Kategori kurang Positif 2 %, dan kategori tidak positif 0 %. Adapun untuk persepsi Siswa Terhadap UU No 16 Tahun 2019 tentang batas umur pernikahan menunjukkan bahwa untuk kategori Sangat Positif menunjukkan 62,5 % kategori Positif 35,5 %, Kategori kurang Positif 2 %, dan kategori tidak positif 0 %. Maka dengan Persepsi Siswa Kelas XI SMAIT Al-Fityan Tahun Ajaran 2020-2021 Terhadap UU No 1 Tahun 1974 dan UU No 16 Tahun 2019 tentang batas umur pernikahan menunjukkan sebagian besar adalah sangat positif.
ANALISIS YURIDIS IMPLEMENTASI WAKAF PRODUKTIF MASJID DARUL FALAH BERDASARKAN PP NO. 42 TAHUN 2006: Studi Kasus Problematika Administrasi Nazhir dan Kevakuman Institusional Rahma, Nisrina Noor; Rasiam, Rasiam
Khatulistiwa Law Review Vol. 6 No. 1 (2025): Khatulistiwa Law Review
Publisher : Fakultas Syariah Institut Agama Islam Negeri (IAIN) Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/klr.v6i1.5088

Abstract

Penelitian ini menganalisis secara yuridis-empiris implementasi wakaf produktif di Masjid Darul Falah, Pontianak, dengan fokus pada kepatuhan terhadap Peraturan Pemerintah (PP) Nomor 42 Tahun 2006. Studi kasus ini menyoroti diskrepansi signifikan antara inisiatif produktif di tingkat akar rumput dengan kelemahan fundamental dalam administrasi hukum dan pembinaan kelembagaan. Menggunakan metode penelitian kualitatif, data primer dikumpulkan melalui wawancara mendalam dengan nazhir masjid, Badan Wakaf Indonesia (BWI) Provinsi Kalimantan Barat, dan Kantor Urusan Agama (KUA), serta observasi langsung terhadap aset wakaf. Hasil penelitian menunjukkan bahwa nazhir Masjid Darul Falah telah berhasil mengembangkan aset wakaf secara produktif melalui penyewaan properti, yang menunjukkan pemahaman inovatif terhadap potensi ekonomi wakaf. Namun, keberhasilan ini dibayangi oleh problematika yuridis yang serius: (1) Status nazhir yang belum pernah diperbarui sejak tahun 1991, bertentangan dengan ketentuan masa bakti lima tahun dalam PP No. 42 Tahun 2006, sehingga berimplikasi pada keabsahan hukum pengelolaan aset. (2) Kevakuman kepengurusan BWI tingkat Kota Pontianak telah menciptakan kekosongan dalam fungsi pembinaan dan pengawasan, menyebabkan nazhir tidak mendapatkan pendampingan yang memadai. Disimpulkan bahwa praktik wakaf produktif di Masjid Darul Falah merepresentasikan sebuah paradoks: inovatif secara ekonomi, namun rapuh secara yuridis. Tanpa adanya pembenahan administrasi nazhir dan revitalisasi peran BWI sebagai pembina, keberlanjutan dan keamanan hukum aset wakaf produktif ini di masa depan sangat rentan terhadap sengketa.
KEBIJAKAN FISKAL DALAM ISLAM (Solusi Bagi Ketimpangan dan Ketidakadilan Distribusi) Rasiam, Rasiam
Khatulistiwa Vol 4, No 1 (2014)
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (97.803 KB) | DOI: 10.24260/khatulistiwa.v4i1.231

Abstract

The Fiscal policy is a government policy that deals with the state revenues and expenditures. In a more understandable term, it means that the Government regulates financial affairs for the survival of the country, especially in the economic sphere. In the fiscal policy, there are two important things to note, i.e. the income and expenditures. The Government should increase revenue so the country can finance all its needs, while at the same time can also apply efficiency. In Islam there is fixed income that has already become a provision such as the zakat, waqf, Jizya, amwal fadhla, nawaib, kafarat, kharaj and ushr each with its designated distribution. From the perspective of the goal, there is no difference between fiscal in general and that in Islam. It is just that in Islam in addition to the regulation of the Government, it is also a religious obligation such as the expenditures for infaq, sadawah and waqf.
Analysis of Financial Performance towards Islamic Cooperatives Using DuPont System and Sharia Conformity and Profitability Techniques in Pontianak City for the 2014-2017 Periods Lestari, Isna Ayu; Anwari, Khoirul; Rasiam, Rasiam
Khatulistiwa Vol 10, No 2 (2020)
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/khatulistiwa.v10i2.1758

Abstract

Assessing financial performance is needed for companies in order to know the overview of financial condition which reflects work performance in a certain period. Thus, financial performance assessment with DuPont System and Sharia Conformity and Profitability techniques is a technique of assessing financial performance not only from financial performance itself but also the level of sharia compliance towards the sharia cooperative. This research aims to find out: (1) Financial performance of Islamic cooperatives in Pontianak City in the 2014-2017 period based on DuPont System analysis, (2) the performance of sharia compliance of Islamic cooperatives in Pontianak City in the 2014-2017 period using the Shariah Conformity and Profitability (SCnP) Model. The method employed is quantitative with a descriptive approach. Data collection technique used was the documentation technique which is a financial report. The result of this study is different during periods among sharia cooperatives which have good financial performance as well as good sharia compliance and vice versa, some have good financial performance but sharia compliance is not well perform and vice versa.
PERBANKAN SYARI’AH DI INDONESIA; PELUANG DAN TANTANGANNYA (Pendekatan Analisis SWOT) Rasiam, Rasiam
Khatulistiwa Vol 2, No 1 (2012)
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (166.819 KB) | DOI: 10.24260/khatulistiwa.v2i1.193

Abstract

The will to develop the economy of Sharia is not solely due to the spirit of religion will but there is disclosure of truth and practice of the result of scientific evolution particularly in the field of economics. The main reason is a justice perspective so as to generate ghiroh to articulate in the real world. In fact, the Sharia-based economy has evolved in some countries, even in countries that had previously proposed and implemented the concept of conventional economy with the capitalistic system. Along with these developments, Sharia economics began to appear in Colleges. In a real context, the Sharia economic system has already been practiced in the banking world. In Indonesia, the trigger was Law No. 7/1992 which was later changed to law No. 10/1998.
MANAJEMEN RISIKO BANK WAKAF MIKRO (BWM) DAN KEMUNGKINAN PENGEMBANGAN MODEL BERBASIS SYARIAH DI INDONESIA Rasiam, Rasiam
Al-Maslahah : Jurnal Ilmu Syariah Vol 21, No 1 (2025)
Publisher : Fakultas Syariah (Syari'ah Faculty )

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-maslahah.v21i1.2551

Abstract

The purpose of this study is to analyze the risk of Micro Waqf Bank (BWM) in terms of legal and operational risks. This research method is descriptive with a qualitative approach. This type of research is a case study, namely the practice of Micro Waqf Banks in Indonesia. In addition, this study also examines the literature related to the legal basis of Micro Waqf Banks (BWM). Finding; First; Micro Waqf Banks (BWM) in Indonesia face legal risks that are very crucial and cannot be ignored. The existence of regulatory dualism regarding Micro Waqf Banks as Islamic Microfinance Institutions (LKMS) with cooperative legal entities, is regulated in Law Number 17 of 2012 concerning Cooperatives and Law Number 1 of 2013 concerning Microfinance Institutions. This dualism in the regulation of Micro Waqf Banks results in disharmony or overlapping of arrangements regarding establishment and licensing, guidance, supervision, inspection and evaluation. This dualism of the legal basis will definitely complicate the operational management of BWM going forward. Second; management risk lies in the small and less qualified human resources. The Islamic boarding schools that are entrusted with managing the revolving of BUMN CSR funds have not been optimally trained and have not had experience so far. Third; The models that allow it to be developed are syirkah and ijarah models. This model is more flexible and far more productive, in terms of sharia it is safe because it has been issued directly by the Indonesian Ulema Council (MUI). This means that the halal syirkah and ijrah products have received legality from the authorities.
Co-Authors Alhakim, Rastra Taufiq Anwari, Khoirul ARDIANSYAH ARDIANSYAH Ida Ayu Putu Sri Widnyani Lestari, Isna Ayu MUHAMMAD SAID Rahma, Nisrina Noor Syahrir, Dimas Kenn Umiyati Umiyati, Umiyati Usman, Sandi Aji