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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS)
Kamal, Jaidil
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Religion Economics, Econometrics & Finance Social Sciences

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Criticism of Sharia Banks in Indonesia (an Analysis of Zaim Saidi's Thoughts) Zain, Zainur; Kamal, Jaidil; Rahmawati, Indah
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 11, No 2: Agustus 2024
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v11i2.23048

Abstract

Zaim Saidi, in his academic argumentation, states that current banking practices are in a state of comfort, resulting in the neglect of several sharia provisions under the argument that they are not yet prepared to implement them because they are still in a transitional period. Subsequently, Zaim Saidi asserted that Islamic banking and conventional banking are not entirely equivalent, but rather only 99.9% so. Islamic institutions may be exempt from the interest system; however, it is nearly impossible to be exempt from the usury system. The research question is as follows: "What is Zaim Saidi's conceptual framework regarding Islamic banking in Indonesia?" This research is a qualitative study that is equivalent to descriptive research methods. It employs data-driven analysis, utilizing existing theories as supporting material, and generating theories. This qualitative research pertains to normative data that is closely associated with bibliographic data. Consequently, this form of research is classified as library research.This investigation identified three critiques of Islamic banking by Zaim Saidi: fiat money is usury, the application of the wadi'ah and mudharabah contracts in deposits at Islamic banks is flawed, and murabahah is an illegal transaction. Zaim Saidi's foundational reasoning in Islamic jurisprudence is predicated on the perspectives of classical scholars who articulate their arguments in a more textual manner. In this instance, the bank's intermediation function is undermined, and significant costs are incurred because of the conflict between international regulations and the implementation of Zaim Saidi's concepts in Islamic banking in Indonesia.
CASH WAQF INVESTMENT MANAGEMENT IN INDONESIA: STUDY OF LITERATURE Kamal, Jaidil; Soemitra, Andri; M. Nawawi, Zuhrinal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 1 (2022): February
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i1.175

Abstract

Waqf, especially cash waqf, is essentially an investment where the owner wants to endow his wealth so that the results can be obtained at the end (yaumulqiyamah). This can be done while maintaining the principal, such as waqf of trees, fruitful gardens, rental proceeds on leased goods, or in the form of dividends or income such as cash waqf. The purpose of this research is to find out the management of cash waqf investment management in order to be more productive. This research is a type of descriptive qualitative and content analysis literature study. The results of this study indicate that investment management carried out in cash waqf investments is allocated to two aspects, namely social and productive. The social aspect includes mosque donations, Qur'anic waqf, scholarships for orphans, and the poor. in the productive aspect, including investment in fattening goats and other businesses managed by third parties in collaboration with waqf managers. The problem faced by managers in terms of investment management is the lack of supervision and focus on the waqf property itself. This is because there are many programs other than the waqf program that must be prioritized. The management of waqf investment has indeed been managed productively, but for the utilization of the results it cannot be used productively so that the mauquf 'alaih cannot fully feel the benefits.
CASH WAQF INVESTMENT MANAGEMENT IN INDONESIA: STUDY OF LITERATURE Kamal, Jaidil; Soemitra, Andri; M. Nawawi, Zuhrinal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 2 (2022): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i2.187

Abstract

Waqf, especially cash waqf, is essentially an investment where the owner wants to endow his wealth so that the results can be obtained at the end (yaumulqiyamah). This can be done while maintaining the principal, such as waqf of trees, fruitful gardens, rental proceeds on leased goods, or in the form of dividends or income such as cash waqf. The purpose of this research is to find out the management of cash waqf investment management in order to be more productive. This research is a type of descriptive qualitative and content analysis literature study. The results of this study indicate that investment management carried out in cash waqf investments is allocated to two aspects, namely social and productive. The social aspect includes mosque donations, Qur'anic waqf, scholarships for orphans, and the poor. in the productive aspect, including investment in fattening goats and other businesses managed by third parties in collaboration with waqf managers. The problem faced by managers in terms of investment management is the lack of supervision and focus on the waqf property itself. This is because there are many programs other than the waqf program that must be prioritized. The management of waqf investment has indeed been managed productively, but for the utilization of the results it cannot be used productively so that the mauquf 'alaih cannot fully feel the benefits.
CASH WAQF INVESTMENT MANAGEMENT IN INDONESIA: STUDY OF LITERATURE Kamal, Jaidil; Soemitra, Andri
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 3 (2022): June
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i3.265

Abstract

Waqf, especially cash waqf, is essentially an investment where the owner wants to endow his wealth so that the results can be obtained at the end (yaumulqiyamah). This can be done while maintaining the principal, such as waqf of trees, fruitful gardens, rental proceeds on leased goods, or in the form of dividends or income such as cash waqf. The purpose of this research is to find out the management of cash waqf investment management in order to be more productive. This research is a type of descriptive qualitative and content analysis literature study. The results of this study indicate that investment management carried out in cash waqf investments is allocated to two aspects, namely social and productive. The social aspect includes mosque donations, Qur'anic waqf, scholarships for orphans, and the poor. in the productive aspect, including investment in fattening goats and other businesses managed by third parties in collaboration with waqf managers. The problem faced by managers in terms of investment management is the lack of supervision and focus on the waqf property itself. This is because there are many programs other than the waqf program that must be prioritized. The management of waqf investment has indeed been managed productively, but for the utilization of the results it cannot be used productively so that the mauquf 'alaih cannot fully feel the benefits.
Co-Authors Andri Soemitra Indah Rahmawati Zain, Zainur Zuhrinal M. Nawawi