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All Journal Banco: Jurnal Manajemen dan Perbankan Syariah Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Danadyaksa: Post Modern Economy Journal
Fatkhurrozi, Tanto
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Efficiency of Islamic Income Allocation and Distribution among MSMEs in Pentol Bakar Pacet, Mojokerto Fatkhurrozi, Tanto; Rahmawati, Lilik
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v3i1.36

Abstract

Islamic Allocation Efficiency means that no individual can increase his utility without reducing other uses. Islamic allocation efficiency does not allow increasing personal welfare which can cause the welfare of others to decrease. Income Distribution in Islam refers to the distribution of existing assets, both private and public, to the people who are entitled to receive them. One of the goals to be achieved by distributing Islam is a social goal, meeting the needs of groups in need and enlivening the principle of solidarity in Islamic society so that society can live in prosperity. This research uses descriptive qualitative research. Data collection was obtained from interviews and field observations as well as various reading materials, both journals and books. This research resulted in the MSMEs business actors of Pentol Bakar (Grilled Pentol) Pacet being able to be said to be efficient because the allocation of income received from both employees and bosses without the bosses and employees being harmed was not wronged by the MSMEs business actors of Pentol Bakar Pacet in accordance with the theory of income distribution in Islam because there was no efforts to improve the welfare of others over the suffering of others because the income received by employees is greater than what the staff earns. There is also an aspect of justice because in this case no one is harmed by this system, it’s just that employees must continue to optimize their work in order to earn more income. MSMEs actors of Pentol Bakar Pacet are in accordance with Islamic allocation efficiency.  
The Development of the Rempang Island Industrial Area from the Perspective of Abdul Majid Al-Najjar’s Maqashid Sharia Fatkhurrozi, Tanto; Fageh, Achmad
Majapahit Journal of Islamic Finance and Management Vol. 4 No. 2 (2024): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v4i2.330

Abstract

This study aims to critically analyze the development of the Rempang Island industrial area using Abdul Majid Al-Najjar’s Maqashid Sharia framework, with a focus on the principles of environmental preservation and the protection of human rights. This qualitative research adopts a library research approach, utilizing data from relevant documents, books, academic journals, and other references related to industrial development on Rempang Island. The findings reveal that the industrial development aligns partially with Al-Najjar’s maqashid sharia principles, particularly in terms of Hifzh Al-Biah min Al-Talaf (environmental preservation from destruction) and Hifzh Al-Biah min Al-Talawwuth (protection from pollution). However, in the context of Hifzh Al-Nafs (preservation of life), the forced relocation of local residents contradicts sharia objectives, as it threatens community welfare, disrupts livelihoods, and undermines social justice. Despite the government's provision of alternative locations for the affected communities, further evaluation is needed to ensure sustainable development that upholds both environmental and social justice in line with maqashid sharia principles.
The Development of the Rempang Island Industrial Area from the Perspective of Abdul Majid Al-Najjar’s Maqashid Sharia Fatkhurrozi, Tanto; Fageh, Achmad
Majapahit Journal of Islamic Finance and Management Vol. 4 No. 2 (2024): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v4i2.330

Abstract

This study aims to critically analyze the development of the Rempang Island industrial area using Abdul Majid Al-Najjar’s Maqashid Sharia framework, with a focus on the principles of environmental preservation and the protection of human rights. This qualitative research adopts a library research approach, utilizing data from relevant documents, books, academic journals, and other references related to industrial development on Rempang Island. The findings reveal that the industrial development aligns partially with Al-Najjar’s maqashid sharia principles, particularly in terms of Hifzh Al-Biah min Al-Talaf (environmental preservation from destruction) and Hifzh Al-Biah min Al-Talawwuth (protection from pollution). However, in the context of Hifzh Al-Nafs (preservation of life), the forced relocation of local residents contradicts sharia objectives, as it threatens community welfare, disrupts livelihoods, and undermines social justice. Despite the government's provision of alternative locations for the affected communities, further evaluation is needed to ensure sustainable development that upholds both environmental and social justice in line with maqashid sharia principles.
Efficiency and Accessibility of Sharia Home Financing for Millennials: A Study of BSI's Griya Si Muda Program vs BTN iB Property Fatkhurrozi, Tanto; Mugiyati
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i2.9537

Abstract

Purpose – The study aims to explore how sharia-compliant home financing programs bridge affordability, Islamic values, and cultural traditions to meet millennial housing needs in Indonesia Method – Employing a qualitative approach with a literature study method, the research compares financing schemes, requirements, and benefits offered by Bank Syariah Indonesia (BSI) and Bank Tabungan Negara (BTN) Syariah. Findings –. Findings reveal that both programs integrate Islamic principles with modern financial practices, offering innovative solutions for millennials to achieve homeownership. BSI’s "Griya Si Muda" focuses on flexibility and affordability with fixed installments, while BTN’s "Properti iB" combines Murabahah and Musyarakah Mutanaqisah contracts for joint ownership, emphasizing long-term equity. Practical implications highlight the importance of leveraging digital platforms to enhance accessibility and cultural alignment. This study provides original insights into the role of Islamic finance in fostering sustainable housing solutions tailored to millennial preferences and socio-religious contexts. Practical implications – That millennials seeking home financing can choose a program based on their specific needs: BSI Griya Si Muda is suitable for workers with a fixed income who prioritize ease of application, certainty of installments, and a large ceiling, while BTN iB is more suitable for those who require age flexibility, self-employment, or gradual ownership options. Prospective customers should consider their financial profile, long-term plans, and financing scheme preferences before making a decision. Originality/value – a unique comparative analysis that provides guidance for millennials in choosing Islamic home financing according to their needs as well as recommendations for the development of Islamic banking products.
Efficiency of Islamic Income Allocation and Distribution among MSMEs in Pentol Bakar Pacet, Mojokerto Fatkhurrozi, Tanto; Rahmawati, Lilik
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v3i1.36

Abstract

Islamic Allocation Efficiency means that no individual can increase his utility without reducing other uses. Islamic allocation efficiency does not allow increasing personal welfare which can cause the welfare of others to decrease. Income Distribution in Islam refers to the distribution of existing assets, both private and public, to the people who are entitled to receive them. One of the goals to be achieved by distributing Islam is a social goal, meeting the needs of groups in need and enlivening the principle of solidarity in Islamic society so that society can live in prosperity. This research uses descriptive qualitative research. Data collection was obtained from interviews and field observations as well as various reading materials, both journals and books. This research resulted in the MSMEs business actors of Pentol Bakar (Grilled Pentol) Pacet being able to be said to be efficient because the allocation of income received from both employees and bosses without the bosses and employees being harmed was not wronged by the MSMEs business actors of Pentol Bakar Pacet in accordance with the theory of income distribution in Islam because there was no efforts to improve the welfare of others over the suffering of others because the income received by employees is greater than what the staff earns. There is also an aspect of justice because in this case no one is harmed by this system, it’s just that employees must continue to optimize their work in order to earn more income. MSMEs actors of Pentol Bakar Pacet are in accordance with Islamic allocation efficiency.  
Islamic Capital Market Investment Alternatives Facing the 2024 Election Year Fatkhurrozi, Tanto
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.33

Abstract

This research aims to determine alternative investment instruments that are relevant in the Islamic capital market in the 2024 election period. This research uses a library research method, which involves collecting relevant data or library materials beforehand. The data source in this research is secondary, meaning that the data is obtained from other sources such as documents, books, and related references, not from primary sources. The results of this research are that the development of investment in the Islamic capital market during the election period in the previous year experienced a good increase. from stock instruments, mutual funds, and sharia shares and the recommended investment, namely Sukuk, is considered an instrument that is relatively unaffected because it has a guarantee from the law. Sharia mutual funds show positive long-term growth potential, especially for mutual funds that focus on shares. This performance is influenced by the momentum of the underlying stock. In this context, investors in the Islamic stock market are advised not to make hasty investment decisions. The analysis shows that the infrastructure sector and the information technology (IT) sector have a significant positive influence.
Islamic Capital Market Investment Alternatives Facing the 2024 Election Year Fatkhurrozi, Tanto
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 2 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i2.33

Abstract

This research aims to determine alternative investment instruments that are relevant in the Islamic capital market in the 2024 election period. This research uses a library research method, which involves collecting relevant data or library materials beforehand. The data source in this research is secondary, meaning that the data is obtained from other sources such as documents, books, and related references, not from primary sources. The results of this research are that the development of investment in the Islamic capital market during the election period in the previous year experienced a good increase. from stock instruments, mutual funds, and sharia shares and the recommended investment, namely Sukuk, is considered an instrument that is relatively unaffected because it has a guarantee from the law. Sharia mutual funds show positive long-term growth potential, especially for mutual funds that focus on shares. This performance is influenced by the momentum of the underlying stock. In this context, investors in the Islamic stock market are advised not to make hasty investment decisions. The analysis shows that the infrastructure sector and the information technology (IT) sector have a significant positive influence.
Co-Authors Fageh, Achmad Mugiyati Rahmawati, Lilik