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Perkembangan Pemikiran Wakaf Asuransi Syariah di Indonesia Munandar, Eris
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 9 No 2 (2021): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

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Abstract

Background. The development of the sharia economy opens up opportunities for sharia financial instruments, one of which is sharia insurance to become an object that can be waqf. This prompted DSN-MUI to issue fatwa 106/DSN-MUI/X/2016 concerning waqf insurance benefits and investment benefits.Aim. The purpose of writing this paper is to explore the development of Islamic insurance waqf thinking in Indonesia, more precisely to examine some of the literature that has examined Islamic insurance waqf as the object of study.Methods. The method used in this research is literature review with a qualitative approach.Results. This paper explain that the DSN-MUI fatwa no. 106/DSN-MUI/X/2016 which is the legal basis for the development of waqf thinking using sharia insurance instruments, its legal status is allowed because it refers to the principle of maslahah mursalah. The waqf referred to in the fatwa is an insurance benefit waqf whose provisions are set for no more than 45% of the total benefits obtained, while investment benefits of no more than 1/3 of the maximum amount of wealth may be waqf on investment benefits with a note with the approval of the heirs.
Analisis Penerapan Akad Istishna’ dalam Usaha Penjahit ditinjau Menurut Perspektif Ekonomi Islam Adawiah, Suci Robyatul; Munandar, Eris
Jurnal Kewarganegaraan Vol 6 No 3 (2022): October 2022
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jk.v6i3.3935

Abstract

AbstrakPenerapan akad istishna’ dalam usaha penjahit ini dilakukan dengan membuat sebuah kesepakatan spesifikasi dan harga terlebih dahulu antara produsen dan konsumen. Dan juga menetapkan sistem pembayaran, apakah dilakukan dengan sistem pembayaran di muka atau diawala akat, atau setelah barang dibuat dan ataukah pada saat barang telah sesesai dibuat. Penelitian ini bertujuan untuk menganalisis akad dalam bisnis menjahit dalam pandangan ekonomi islam. Menggunakan metode dengan analisi deskriptif dengan pendekatan kualitatif. Hasil analisis mengungkapkan bahwa pemesanan pakaian kepada penjahit telah mengaplikasikan akad istishna, namun sebagian besar dari mereka belum memahami sepenuhnya tentang esensi akad istishna’ tersebut. Secara praktis pelaksanaannya selama ini sudah sesuai dengan prinsip syariah, yaitu akad yang memenuhi kriteria yang disepakati untuk jumlah, ukuran, warna, pembayaran dan waktu penyerahan barang. Namun ada juga situasi yang tidak sesuai dengan kesepakatan, antara lain terjadi perubahan harga setelah terjadinya kesepakatan, adanya keterlambatan dalam menyelesaikan pesanan, barang yang dipesan konsumen tidak sesuai sehingga konsumen mengeluhkan hal tersebut, dan barang yang dipesan konsumen tidak diterima oleh konsumen.Kata Kunci: Akad, Istishna’, Penjahit, Ekonomi Islam AbstractThe application of the istishna contract in this tailoring business is carried out by making an agreement on specifications and prices in advance between producers and consumers. And also determine the payment system, whether it is done with a payment system in advance or at the beginning of the contract, or after the goods are made and or when the goods have been made. The purpose of this study is to conduct an analysis of the sewing business contract in the view of Islamic economics. The method used is a method with descriptive analysis with a qualitative approach. The results of the analysis revealed that ordering clothes to tailors had applied the istishna contract, but most of them did not fully understand the essence of the Krishna contract. Practically, its implementation has been in accordance with sharia principles, namely contracts that meet agreed criteria for the amount, size, color, payment, and delivery time of the goods. However, some situations are not in accordance with the agreement, including delays in the completion of goods, price changes after the agreement, consumers do not receive the ordered goods, and consumers complaining about the goods ordered.Keywords: Akad, Istishna', Tailor, Islamic Economics.
KONTRIBUSI SEKTOR RIIL, SEKTOR MONETER DAN TINGKAT INFLASI TERHADAP PENERIMAAN ZAKAT, INFAK DAN SEDEKAH DI INDONESIA Munandar, Eris; Amirullah, Mulia
Al-Infaq: Jurnal Ekonomi Islam Vol. 12 No. 1 (2021): MARET
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Peran zakat dalam pembangunan ekonomi di Indonesia semakin dirasa nyata hasilnya. Selain alokasi distribusi melalui program zakat yang tepat guna juga perlu diperhatikan kontribusi penerimaan zakat tersebut. Kajian ini bertujuan untuk menganalisis kontribusi Indeks Produksi Industri Besar dan Sedang (IPBS) sebagai variabel sektor riil sedangkan Return on Asset (ROA) industri perbankan syariah sebagai sektor moneter serta inflasi terhadap penerimaan Zakat, infak dan sedekah (ZIS) di Badan Amil Zakat Nasional (BAZNAS). Teknik analisis yang digunakan adalah Vector Auto Regresif (VAR)/ Vector Error Correction Model (VECM). Jenis data yang digunakan adalah data sekunder dengan menggunakan data bulanan periode 2011 sampai 2019. Hasil kajian menunjukkan sektor riil memiliki hubungan kausalitas terhadap penerimaan dana ZIS. Penerimaan ZIS dan Inflasi memiliki hubungan satu arah. Guncangan variabel sektor rill direspon positif dan sangat dominan oleh penerimaan ZIS dibanding dengan ROA perbankan syariah juga inflasi. Variabel sektor riil juga diprediksi berkontribusi palingbesar dalam penerimaan ZIS di masa mendatang.
ANALYSIS OF ISLAMIC ECONOMIC DEVELOPMENT BASED ON BOARDING SCHOOLS IN THE CITY OF BANJAR Munandar, Eris
Al-Infaq: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023): MARET
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

This research aims to analyze the development of Islamic economics in Islamic boarding schools in Banjar City. The research method used is qualitative with a descriptive analysis approach, and the sample consists of 45 Islamic boarding school institutions taken using the saturated sampling method. The study results indicate that Islamic economics development in Islamic boarding schools in Banjar City is generally good in several aspects. However, there are still three aspects that are not optimal, namely the lack of activities on Islamic economic/financial studies, the absence of Islamic economic/zakat/financing institutions, and not being involved in the socialization/promotion of Islamic economic and financial products in Banjar City. The indicators of the perception of Islamic boarding school leaders towards Islamic economics and their contribution to the development of Islamic economics are good, but the mentoring of society trapped in loan sharks still needs to be improved.
THE STRATEGY FOR OPTIMIZING THE COLLECTION OF TRADE ZAKAT IN BANJAR CITY Munandar, Eris; Nopianti, Nila; Amirullah, Mulia; Ubaydillah, Muhammad Farhan
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024): MARET
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2153

Abstract

This research highlights the constraints, solutions, and strategies for optimizing the collection of trade-based zakat in Kota Banjar through the Analytic Network Process (ANP) approach. The research methodology employs ANP as the primary method, which involves identifying criteria and alternatives, constructing a hierarchy through pairwise assessments, calculating global priorities, sensitivity analysis, and interpreting results. Seven contributors participated in the study, consisting of three trade practitioners (Baznas Kota Banjar, Lazismu Kota Banjar, and LAZ Persis Kota Banjar), two experts from zakat observers (MES Kota Banjar, and an academic from STEI Ar-Risalah Ciamis), and two entrepreneurs in Kota Banjar. The study's findings identify priority issues such as trader attitudes, the governance of Zakat Management Organizations (OPZ), and the awareness level of muzak. Crucial steps include improving trader attitudes, OPZ governance, and muzakki awareness. The use of ANP as an analytical approach clarifies the hierarchy of issues and facilitates more targeted decision-making for OPZ in Kota Banjar. The research elaborates on the findings related to eight priority strategies: socialization and education, evaluation and monitoring, ease of paying zakat,involvement of influential figures, regulations, transparency and accountability, program benefits, and recognition or rewards. The implications of this study encourage OPZ in Kota Banjar to enhance socialization through social media and collaboration with community figures, improve governance through regular audits, develop digital zakat payment options, and maintain conventional payment methods.