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A Historical Review of the Development of the Islamic Banking System (An Analytical Study) Novan Fatchu Alafianta; Muhammad Abdul Aziz; Jaya Sahputra
AL- IKTISAB Journal of Islamic Economic Law Vol 5, No 2 (2021): Al-Iktisab: Journal of Islamic Economic Law
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i2.6799

This paper tries to investigate the historical development of Islamic banking in the world. The formation of Islamic banking was inspired by the incompatibility between conventional banks and Islamic teachings based on the Qur'an and al-Hadith. Islamic economists are trying to replace and improve the traditional system of banking that has developed rapidly with the Islamic banking system. The establishment of Mit Ghamr marked the emergence of Islamic banking. Since then, many Islamic banks have been established and have proliferated. The primary purpose of this study is to analyze and determine the historical development of the Islamic banking system in various countries. Thus, this research can provide further information for Muslim economic actors as a guide in carrying out economic activities, especially those related to banking. This study using the historical analysis method and at the end of this paper, confirm that the Islamic banking system was preceded by applying a profit-sharing approach to avoid interest in banking. The development of Islamic banks cannot be separated from the efforts made by the Organization of the Islamic Conference (OIC), which since 1970 has issued many recommendations and encouraged its member countries to improve the people's economy in their respective countries. Then, Islamic banks developed in various countries, including Pakistan, Egypt, Iran, Cyprus, Kuwait, Bahrain, United Arab Emirates, Malaysia, Turkey, and Indonesia.

Investment Cooperation Agreement on Equity Crowdfunding Platform from the Perspective of Sharia Economic Law Muhammad Irkham Firdaus; Muhammad Abdul Aziz; Daud Sukoco; Novan Fatchu Alafianta
AL- IKTISAB Journal of Islamic Economic Law Vol 5, No 1 (2021): Al-Iktisab: Journal of Islamic Economic Law
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i1.5626

Equity crowdfunding is a new innovation in finance, which is an external product of financial technology, by combining financial systems with information technology. Equity crowdfunding is a combination of investment business model with information technology, where meetings between investors and fund managers are conducted online through websites on this platform. Crowdfunding equity platform is now growing rapidly and is very popular among the community, due to some of the facilities offered by the platform organizers for service users. Therefore, further research needs to be done on this business practice, which covers all aspects of the mechanisms and systems on this platform. The purpose of this study is to determine the mechanisms and systems of all aspects of the investment cooperation agreement model applied on the equity crowdfunding platform. The intended aspects include the mechanism of agreement (contract), profit sharing system, user protection, stock trading mechanism, dispute resolution, risk management, and so on. Furthermore, it aims to determine its compliance with Islamic law and the positive laws that apply in Indonesia. Investment agreements on equity crowdfunding platform can be implemented in mudharabah agreement, meanwhile, the agreement between the crowdfunding service provider and the crowdfunding user can use the wakalah bil ujrah contract. The percentage to revenue ratio can use the profit and loss distribution system and the revenue distribution system according to the agreement. Equity crowdfunding platform should really pay attention to consumer protection in accordance with the provisions in accordance with POJK and hifdzul maal theory. In addition, it must carry out risk management to minimize the occurrence of losses for some parties, and create a dispute resolution mechanism in accordance with Islamic law and economic law.

The Object of Islamization of Contemporary Human Knowledge (IOCHK) Nazia Dinia; Novan Fatchu Alafianta
Tasfiyah: Jurnal Pemikiran Islam Vol 6, No 2 (2022)
Publisher : University of Darussalam Gontor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tasfiyah.v6i2.8246

The term Islamization is defined in a variable manner by different Muslim intellectuals’ conditional upon their background and field of interest. There are more than twenty Muslim scholars who defined the phrase IOCHK with different connotations, concepts, and theories that one may be complementary to the other and may also opposing one another. This article attempts to analyses and classifies the definition of IOCHK based on the scientific research program of Imre Lakatos and the theory of scientific paradigm of Thomas Kuhn. According to them, there are three pivotal aspects of science: namely Hard Core, Hypothesis and series of theories. The researcher will apply the method of content analysis by comparing, contrasting and classifying different aspects. Using an analytical approach, this paper concludes that there are three main objects of IOCHK: Worldview, Paradigm and Theories or Branch of Knowledge. In addition, the researcher also attempts to resolve the problem of the definition of IOCHK. This could also remove some misunderstandings and unfounded criticisms designated by other Muslim scholars.

The Object of Islamization of Contemporary Human Knowledge (IOCHK) Nazia Dinia; Novan Fatchu Alafianta
Tasfiyah: Jurnal Pemikiran Islam Vol. 6 No. 2 (2022)
Publisher : University of Darussalam Gontor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tasfiyah.v6i2.8246

The term Islamization is defined in a variable manner by different Muslim intellectuals’ conditional upon their background and field of interest. There are more than twenty Muslim scholars who defined the phrase IOCHK with different connotations, concepts, and theories that one may be complementary to the other and may also opposing one another. This article attempts to analyses and classifies the definition of IOCHK based on the scientific research program of Imre Lakatos and the theory of scientific paradigm of Thomas Kuhn. According to them, there are three pivotal aspects of science: namely Hard Core, Hypothesis and series of theories. The researcher will apply the method of content analysis by comparing, contrasting and classifying different aspects. Using an analytical approach, this paper concludes that there are three main objects of IOCHK: Worldview, Paradigm and Theories or Branch of Knowledge. In addition, the researcher also attempts to resolve the problem of the definition of IOCHK. This could also remove some misunderstandings and unfounded criticisms designated by other Muslim scholars.

Implementation of Fiqh Muamalah Contracts in Electronic Money (E-Money) Transactions Muhammad Irkham Firdaus; Aliyya Lathifa Daniswara; Novan Fatchu Alafianta; Aang Asari
Al-Muamalat: Jurnal Ekonomi Syariah Vol 10, No 1 (2023): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v10i1.21087

Money is a medium of exchange in economic activities that always changes from time to time, both in form, intrinsic value, and extrinsic value. Electronic money (e-money) is currently emerging, which is used as a means of micro-payments that can process payments more quickly, easily, efficiently, and safely. The research objective is to discuss the implementation of muamalah fiqh contracts in electronic money transactions. This type of research is qualitative research with library methods. The results of this study show that electronic money transactions in fiqh muamalah are legally permissible or permissible as long as they do not conflict with the principles of Islamic law. Muamalah fiqh contracts implemented in electronic money transactions are divided into two. The first is between the issuer and the holder of electronic money using a wadiah contract and a qard contract. Second, the publisher and organizer use ijarah, sell, and wakalah bil ujrah contracts. In conclusion, electronic money transactions (e-money) can use fiqh muamalah contracts.

Pemberdayaan Santri dalam Pengeloaan Akun Youtube sebagai Wakaf Produktif Pesantren Darul Hikmah Ponorogo Muhammad Irkham Firdaus; Novan Fatchu Alafianta; Bambang Setyo Utomo; Fajar Satriyawan Wahyudi
Jurnal Aksi Afirmasi Vol. 5 No. 1 (2024): Edisi 7
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/jurnalaksiafirmasi.v5i1.1223

Mitra dalam pengabdian masyarakat ini adalah pondok Pesantren Darul Hikmah Ponorogo. Yang mana Pesantren ini merupakan lembaga yang berbasis wakaf, sehingga seluruh aset pada Pesantren tersebut adalah aset wakaf. Salah satu aset wakaf yang berpotensi untuk dikembangkan adalah channel YouTube Darul Himah TVJadi kegitan pengabdian masyarakat ini adalah tindak lanjut dari kegiatan mitra, yang bertujuan meningkatkan pengetahuan dan manajemen pengelolan wakaf produktif yang berupa konten YouTube, dan sekaligus melatih pembuatan konten video yang lebih menarik, sehingga dapat mendukung tujuan utama PKM ini yaitu keberlangsungan Ekonomi Digital. Akan tetapi terdapat beberapa permasalahan yang dihadapi oleh pihak mitra, pertama permasalahan pengetahuan, dimana pihak mitra minim pemahaman dan kesadarannya dalam mengelola wakaf produktif berupa konten video YouTube, serta minimnya skill dan kreatifitas santri dalam membuat konten video. Kedua permasalahan manajemen, minimnya keaktifan santri dalam memberdayakan channel Darul Hikmah TV Maka solusi yang ditawarkan dalam mengatasi permasalahan-permasalahan tersebut adalah mengupayakan meningkatkan pemahaman santri terhadap pengelolaan wakaf produktif yang berupa konten video YouTube, serta meningkatkan keaktifan, skill, dan kreatifitas santri dalam pembuatan konten video. Motede yang digunakan adalah penyuluhan terhadap penggolaan wakaf produktif yang berupa konten video YouTube, pelatihan skill dan kreativitas pembuatan konten video, dan pendampingan dalam mengupayakan keaktivan santri.

Investment Cooperation Agreement on Equity Crowdfunding Platform from the Perspective of Sharia Economic Law Firdaus, Muhammad Irkham; Aziz, Muhammad Abdul; Sukoco, Daud; Alafianta, Novan Fatchu
AL- IKTISAB Journal of Islamic Economic Law Vol 5 No 1 (2021)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i1.5626

Equity crowdfunding is a new innovation in finance, which is an external product of financial technology, by combining financial systems with information technology. Equity crowdfunding is a combination of investment business model with information technology, where meetings between investors and fund managers are conducted online through websites on this platform. Crowdfunding equity platform is now growing rapidly and is very popular among the community, due to some of the facilities offered by the platform organizers for service users. Therefore, further research needs to be done on this business practice, which covers all aspects of the mechanisms and systems on this platform. The purpose of this study is to determine the mechanisms and systems of all aspects of the investment cooperation agreement model applied on the equity crowdfunding platform. The intended aspects include the mechanism of agreement (contract), profit sharing system, user protection, stock trading mechanism, dispute resolution, risk management, and so on. Furthermore, it aims to determine its compliance with Islamic law and the positive laws that apply in Indonesia. Investment agreements on equity crowdfunding platform can be implemented in mudharabah agreement, meanwhile, the agreement between the crowdfunding service provider and the crowdfunding user can use the wakalah bil ujrah contract. The percentage to revenue ratio can use the profit and loss distribution system and the revenue distribution system according to the agreement. Equity crowdfunding platform should really pay attention to consumer protection in accordance with the provisions in accordance with POJK and hifdzul maal theory. In addition, it must carry out risk management to minimize the occurrence of losses for some parties, and create a dispute resolution mechanism in accordance with Islamic law and economic law.

A Historical Review of the Development of the Islamic Banking System (An Analytical Study) Alafianta, Novan Fatchu; Aziz, Muhammad Abdul; Sahputra, Jaya
AL- IKTISAB Journal of Islamic Economic Law Vol 5 No 2 (2021)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i2.6799

This paper tries to investigate the historical development of Islamic banking in the world. The formation of Islamic banking was inspired by the incompatibility between conventional banks and Islamic teachings based on the Qur'an and al-Hadith. Islamic economists are trying to replace and improve the traditional system of banking that has developed rapidly with the Islamic banking system. The establishment of Mit Ghamr marked the emergence of Islamic banking. Since then, many Islamic banks have been established and have proliferated. The primary purpose of this study is to analyze and determine the historical development of the Islamic banking system in various countries. Thus, this research can provide further information for Muslim economic actors as a guide in carrying out economic activities, especially those related to banking. This study using the historical analysis method and at the end of this paper, confirm that the Islamic banking system was preceded by applying a profit-sharing approach to avoid interest in banking. The development of Islamic banks cannot be separated from the efforts made by the Organization of the Islamic Conference (OIC), which since 1970 has issued many recommendations and encouraged its member countries to improve the people's economy in their respective countries. Then, Islamic banks developed in various countries, including Pakistan, Egypt, Iran, Cyprus, Kuwait, Bahrain, United Arab Emirates, Malaysia, Turkey, and Indonesia.

Implementasi Konsep Final Spending Monzer Kahf dalam Meningkatkan Pendapatan Nasional Firdaus, Muhammad Irkham; Pradhana, Theo Aditya; Alafianta, Novan Fatchu; Tifani, M. Akhlis Azamuddin; Aziz, Muhammad Abdul
MUSLIM HERITAGE Vol 8 No 2 (2023): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v8i2.5016

AbstractThe benchmark for improving a country's economy is determined by the amount of national income generated from various sectors. National income is influenced by several factors, namely aggregate demand and supply, investment, consumption, and savings. In order to increase the national income of a country, new instruments are needed in the economic system. The Final spending Monzer Kahf concept offers a new policy that connects factors that affect national income with zakat, infaq, and shadaqah instruments. This study aims to link the concept of Monzer Kahf's final spending with an increase in state income. This type of research is Library Research, where the data sources are taken from books, journal articles, and other documentation. While the method used is a qualitative descriptive method. The results of this study are that the concept of final spending by Monzer Kahf is the final expenditure for a Muslim consumer, spending on needs that are in accordance with maslahah and the obligation to pay zakat-infaq for mustahik zakat. Because with zakat, public consumption will increase, this is because the muzakki will help the needy and poor in meeting their needs, so that it will affect supply and demand, which will also increase national income in a country. AbstrakTolak ukur peningkatan perekonomian suatu negara ditentukan oleh jumlah pendapatan nasional yang dihasilkan dari berbagai sektor. Pendapatan nasional dipengaruhi oleh beberapa faktor, yaitu permintaan dan penawaran agregate, investasi, konsumsi, dan tabungan. Guna meningkatkan pendapatan nasional sebuah negara, maka diperlukan instrumen baru dalam sistem perekonomian. Konsep Final spending Monzer Kahf menawarkan kebijakan baru yang menghubungkan faktor-faktor yang mempengaruhi pendapatan nasional dengan instrumen zakat, infak, dan shadaqah. Penelitian ini bertujuan untuk menghubungkan kosep final spending Monzer Kahf dengan peningkatan pendapatan negara. Jenis penelitian ini adalah Library Research, dimana sumber data yang diambil dari buku, artikel jurnal, dan dokumentasi yang lainnya. Sedangkan metode yang digunakan adalah metode disktiptif kualitatif. Hasil dari penelitian ini adalah bahwa konsep final spending Monzer Kahf adalah pembelanjaan akhir bagi seorang konsumen Muslim, pembelanjaan kebutuhan yang sesuai dengan maslahah dan kewajiban membayar zakat-infak bagi para mustahik zakat. Karena dengan adanya zakat, konsumsi masyarakat akan meningkat, hal ini disebabkan oleh para muzakki akan membantu fakir dan miskin dalam memenuhi kebutuhan, sehingga hal tersebut akan mempengaruhi permintaan dan penawaran, yang sekaligus akan menambah pendapatan nasional dalam suatu negara.

Implementasi Konsep Final Spending Monzer Kahf dalam Meningkatkan Pendapatan Nasional Firdaus, Muhammad Irkham; Pradhana, Theo Aditya; Alafianta, Novan Fatchu; Tifani, M. Akhlis Azamuddin; Aziz, Muhammad Abdul
MUSLIM HERITAGE Vol 8 No 2 (2023): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v8i2.5016

AbstractThe benchmark for improving a country's economy is determined by the amount of national income generated from various sectors. National income is influenced by several factors, namely aggregate demand and supply, investment, consumption, and savings. In order to increase the national income of a country, new instruments are needed in the economic system. The Final spending Monzer Kahf concept offers a new policy that connects factors that affect national income with zakat, infaq, and shadaqah instruments. This study aims to link the concept of Monzer Kahf's final spending with an increase in state income. This type of research is Library Research, where the data sources are taken from books, journal articles, and other documentation. While the method used is a qualitative descriptive method. The results of this study are that the concept of final spending by Monzer Kahf is the final expenditure for a Muslim consumer, spending on needs that are in accordance with maslahah and the obligation to pay zakat-infaq for mustahik zakat. Because with zakat, public consumption will increase, this is because the muzakki will help the needy and poor in meeting their needs, so that it will affect supply and demand, which will also increase national income in a country. AbstrakTolak ukur peningkatan perekonomian suatu negara ditentukan oleh jumlah pendapatan nasional yang dihasilkan dari berbagai sektor. Pendapatan nasional dipengaruhi oleh beberapa faktor, yaitu permintaan dan penawaran agregate, investasi, konsumsi, dan tabungan. Guna meningkatkan pendapatan nasional sebuah negara, maka diperlukan instrumen baru dalam sistem perekonomian. Konsep Final spending Monzer Kahf menawarkan kebijakan baru yang menghubungkan faktor-faktor yang mempengaruhi pendapatan nasional dengan instrumen zakat, infak, dan shadaqah. Penelitian ini bertujuan untuk menghubungkan kosep final spending Monzer Kahf dengan peningkatan pendapatan negara. Jenis penelitian ini adalah Library Research, dimana sumber data yang diambil dari buku, artikel jurnal, dan dokumentasi yang lainnya. Sedangkan metode yang digunakan adalah metode disktiptif kualitatif. Hasil dari penelitian ini adalah bahwa konsep final spending Monzer Kahf adalah pembelanjaan akhir bagi seorang konsumen Muslim, pembelanjaan kebutuhan yang sesuai dengan maslahah dan kewajiban membayar zakat-infak bagi para mustahik zakat. Karena dengan adanya zakat, konsumsi masyarakat akan meningkat, hal ini disebabkan oleh para muzakki akan membantu fakir dan miskin dalam memenuhi kebutuhan, sehingga hal tersebut akan mempengaruhi permintaan dan penawaran, yang sekaligus akan menambah pendapatan nasional dalam suatu negara.

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