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Transition to Sharia-Compliant Finance in Aceh: Miscommunication, Misperceptions, and Resistance Bayumi, Muhamad Rahman; Jaya, Rizal Alfit; Diem, M. Junestrada
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.22552

Abstract

The implementation of Qanun (Islamic Law) Aceh No. 11 of 2018, mandating all financial institutions in the province of Aceh, Indonesia, to operate solely on Islamic principles from January 4, 2022, sparked protests from certain parties, and thus became a nationwide controversy. Some media reports often depicted the Qanun as causing heightened unemployment and poverty due to the exclusion of conventional banking. This research investigates the discourse contestation surrounding the prohibition of conventional banks in Aceh. Employing a philosophical qualitative approach, the study analyzes instances of miscommunication, misperceptions, and resistance concerning the Qanun's implementation. Primary data collection involved interviews with diverse stakeholders, including grassroots communities, members of the Sharia Economic Society (MES), the Indonesian Association of Islamic Economists (IAEI), Financial Services Authority (OJK) officials, religious leaders, and economists.  Researcher observations conducted in 2019 and 2022 in Aceh further enriched the data. Secondary data, comprising online news and relevant documents, supplemented the findings. Through triangulation techniques and an integration-interconnection paradigm, the study revealed that the perceived conflict was largely amplified by media portrayals of protests, often lacking comprehensive and objective analysis. Consequently, this study proposes solutions, strategies, and models to facilitate the effective implementation of the Qanun, aiming to realize its intended benefits and contribute to Aceh's sustainable progress through the advancement of maqashid sharia.========================================================================================================ABSTRAK – Transisi ke Keuangan Syariah di Aceh: Miskomunikasi, Mispersepsi, dan Resistensi. Qanun Aceh No. 11 Tahun 2018, yang mewajibkan penerapan prinsip keuangan syariah di seluruh lembaga keuangan di Aceh sejak 4 Januari 2022, memicu berbagai reaksi dan menjadi perbincangan nasional. Media massa kerap mengaitkan Qanun ini dengan peningkatan angka pengangguran dan kemiskinan di Aceh akibat pelarangan operasional perbankan konvensional. Penelitian ini mengkaji kontestasi wacana terkait pelarangan bank konvensional di Aceh menggunakan pendekatan kualitatif filosofis. Penelitian ini menganalisis miskomunikasi, mispersepsi, dan resistensi terkait penerapan Qanun Aceh No. 11 Tahun 2018. Data primer dikumpulkan melalui wawancara dengan berbagai pemangku kepentingan, termasuk komunitas akar rumput, anggota Masyarakat Ekonomi Syariah (MES), Ikatan Ahli Ekonomi Islam (IAEI), pejabat Otoritas Jasa Keuangan (OJK), tokoh agama, dan ekonom. Observasi lapangan juga dilakukan pada tahun 2019 dan 2022. Data sekunder berupa berita online dan dokumen relevan lainnya turut dikaji untuk memperkaya analisis. Teknik triangulasi dan paradigma integrasi-interkoneksi digunakan untuk menganalisis data. Analisis menunjukkan bahwa resistensi terhadap Qanun tersebut sebagian besar disebabkan oleh penggambaran media tanpa analisis yang komprehensif dan objektif, seringkali hanya fokus pada satu atau dua kejadian. Penelitian ini menawarkan beberapa solusi, strategi, dan model untuk memfasilitasi penerapan Qanun yang efektif dan mencapai manfaat yang diinginkan, serta berkontribusi pada kemajuan Aceh yang berkelanjutan melalui pemajuan maqashid syariah.
ANALISIS MERGER BNI SYARIAH MENJADI BSI SEBAGAI UPAYA MEMPERKUAT EKOSISTEM EKONOMI SYARIAH Jaya, Rizal Alfit; Rachmania, Rachmania; Apriani H, Siska; Rosyada, Amrina
Journal Of Islamic Ekonomic and Business Vol 2 No 1 (2023): IEB: Journal of Islamic Economics and Busines
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i1.16983

Abstract

Abstract The purpose of this study was to determine and analyze the development of BNI Syariah Bank after merging with three state-owned Syariah banks which are expected to be able to strengthen the national Islamic economic ecosystem and can contribute as an International-Scale Bank. This research uses quantitative methods with descriptive analysis approach. This study seeks to describe development with growth techniques The findings of the study explain that in terms of benefits, the merger activity that is carried out causes more profits than losses. The benefits are in the form of increasing the sharia economic ecosystem in Indonesia, strong capital owned, and being able to compete nationally and even globally global. Keywords: Merger, Sharia Economic Ecosystem, BNI Syariah, BSI
Kontribusi Peran Perempuan dalam Membangun Perekonomian sebagai Penguatan Kesetaraan Gender di Indonesia Bayumi, Muhamad Rahman; Jaya, Rizal Alfit; Shalihah, Bunga Maratush
Al Huwiyah: Journal of Woman and Children Studies Vol. 2 No. 2 (2022): Al Huwiyah: Journal of Woman and Children Studies
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/jwcs.v2i2.14317

Abstract

Kesetaraan gender merupakan satu persoalan kompleks yang kajiannya tidak terbatas pada aspek sosial saja, tapi juga akan berkaitan dengan aspek ekonomi, politik, budaya, agama, dan ilmu pengetahuan. Keberadaan perempuan seringkali disalah artikan perannya dalam kehidupan, yaitu perempuan dianggap tidak lebih baik dan berhak dari laki-laki, baik untuk mendapatkan posisi di ranah personal, publik dan negara. Tulisan ini memaparkan peran dan kontribusi perempuan dalam membangun perekonomian dalam mengatasi isu aktual untuk penguatan capaian kesetaraan gender di Indonesia. Penelitian ini adalah jenis penelitian kualitatif, dengan memanfaatkan sumber data sekunder berupa laporan, jurnal, buku, dan dokumentasi yang relevan untuk melakukan studi literatur dalam menganalisis persoalan ini. Teknik analisis dalam penelitian ini menggunakan pendekatan deskriptif. Hasil penelitian ini menguraikan bahwa perempuan memiliki peran dan kontribusi yang sangat penting dalam membangun perekonomian demi tercapainya kesetaraan gender di Indonesia.Kata Kunci: Perempuan, Pembangunan Ekonomi, dan Kesetaraan Gender
Management Strategy for Community Zakat Fund Collection for Sustainable Human Prosperity and Well-Being in Singapore Bayumi, Muhamad Rahman; Diem, M. Junestrada; Jaya, Rizal Alfit; Wibisono, Eristian
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 6 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i6.9008

Abstract

Strategic management in the management of zakat in Singapore has provided a leading breakthrough in encouraging minimal risks from community fund management. Practices that are far from corruption, collusion and nepotism make the fund management institution an institution that is worthy of being adopted. Good zakat fund collection has been proven to have a positive influence on increasing zakat collections in Singapore in the sector of the availability of social services, education facilities, health and employment for the Muslim community. Singapore as the only developed country in Southeast Asia is very appropriate to be a pilot country in various aspects of zakat fund management. This study aims to explore and describe the practice of zakat fund management in Singapore. This study was designed with a qualitative approach. Data were collected through interviews, interviews and observations. The data analysis technique used Miles Huberman with the stages of data collection, data reduction, presentation and drawing conclusions. The findings of this study provide extensive learning about comprehensive zakat fund management that is beneficial for any institution or country in achieving sustainable prosperity and prosperity. This study provides several recommendations for countries and institutions managing community funds in achieving sustainable prosperity and welfare goals.