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<![CDATA[IMPLEMENTASI GADAI EMAS DI BANK SYARIAH INDONESIA DALAM PERSPEKTIF HUKUM ISLAM: Studi Kasus di BSI Kantor Cabang Pembantu Kuningan ]]>
<![CDATA[Armen, Rio Erismen]]>;
<![CDATA[Hermawan, Aries]]>
<![CDATA[ Al Mashalih - Journal of Islamic Law Vol. 3 No. 1 (2022): AL-MASHALIH (Journal of Islamic Law) ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Syariah Husnul Khotimah ]]>
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<![CDATA[Praktik gadai emas sudah banyak dilakukan oleh Bank Syariah Indonesia. Dalam hal ini, peneliti memilih Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan sebagai objek penelitian, yaitu untuk melihat praktik gadai emas yang dilakukan. Dalam penelitian ini, penulis menetapkan dua rumusan masalah, yaitu bagaimana implementasi gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan dan bagaimana pandangan hukum Islam terhadap implementasi gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan. Dalam proses penelitiannya, peneliti menggunakan metode penelitian kualitatif dan bersifat naratif deskriptif kualitatif. Adapun teknik pengumpulan datanya menggunakan teknik wawancara dan teknik dokumentasi, selanjutnya dianalisis menggunakan teknik analisis deduktif yang mana menganalisis terkait praktik gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan. Setelah dilakukan penelitian, bahwa BSI Kuningan melakukan tiga akad yaitu akad rahn, akad qardl, dan akad ijarah. Dari hasil penelitian yang dilakukan, peneliti menyimpulkan bahwa implementasi (praktik) gadai emas pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan sudah memenuhi rukun dan syarat pada masing-masing akad yang digunakan. Sehingga dalam pandangan hukum Islam implementasi pembiayaan gadai emas pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan telah sah dan boleh dilakukan serta tidak adanya pelanggaran syariat dan tidak ada yang berbeda dengan standar gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan.]]>
<![CDATA[Halal Tourism in West Sumatera: a Bibliometric Study ]]>
<![CDATA[Mardian, Sepky]]>;
<![CDATA[Armen, Rio Erismen]]>
<![CDATA[ Journal of Business & Banking Vol 13 No 2 (2023): November 2023 - April 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v13i2.4152
<![CDATA[West sumatera is a halal tourism destination in Indonesia. It was acknowledged by Global Muslim Travel Index in 2016. All stakeholders have given more intention to this halal tourism. Beyond the strengthening district regulation on it, the studies on halal tourism in West Sumatera have been increasing every year. This study aims to map the research about halal tourism in West Sumatera. Bibliometric approach was conducted to map the different studies on this topic. By using Publich or Perish, the data were taken from Google Scholar database. Several keywords were used to do it, i.e. halal tourism in West Sumatera, Islamic tourism in West Sumatera, wisata halal di Sumatera Barat and wisata Sariah di Sumatera Barat. The metadata were described by tables and graphs. Again it is also visualized by VOSViewer to find the research cluster on the topic and trend of relationship among the keywords. The study found that the research on Islamic tourism in West Sumatera is still limited. It only found 35 journal articles or proceeding in tens of years. The theme is also limited on description of the opportunity and challenges and stakeholders perception about Islamic tourism in West Sumatera.]]>
<![CDATA[Program Zakat Produktif untuk UMKM oleh LAZNAS Lembaga Manajemen Infaq Kanwil Sumatera Selatan ]]>
<![CDATA[Jannah, Miftahul]]>;
<![CDATA[Armen, Rio Erismen]]>
<![CDATA[ Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 4 No 2 (2024): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - September 2024 ]]>
Publisher : <![CDATA[Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang ]]>
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DOI: 10.36908/jimpa.v4i2.442
<![CDATA[Penelitian ini bertujuan mengeksplorasi program pemberdayaan mustahik oleh LAZNAS LMI Kanwil Sumatera Selatan melalui program penyaluran dana zakat secara produktif. Dalam hal ini, pemberdayaan yang dilakukan oleh LMI Sumsel berupaya pemberian dana zakat dalam bentuk modal usaha bagi usaha mikro kecil menengah yang masuk dalam kategori kelompok masyarakat yang berhak mendapatkan zakat (mustahik). Metode penelitian menggunakan pendekatan kualitatif melalui observasi langsung dalam bentuk kegiatan magang, dan kajian pustaka terhadap berbagai referensi yang relevan. Hasil penelitian menunjukkan bahwa program penyaluran zakat produktif oleh LAZNAS LMI membantu pengembangan usaha mustahik. Penyaluran dana zakat secara produktif kepada UMKM disertai dengan program pendampingan langsung dari pihak LAZNAS LMI Kanwil Sumatera Selatan yang mendukung keberhasilan program pemberdayaan mustahik ini.]]>
<![CDATA[Municipal Sukuk as Financing Model for Halal Tourism Development in West Sumatera, Indonesia ]]>
<![CDATA[Mardian, Sepky]]>;
<![CDATA[Armen, Rio Erismen]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v11i2.7105
<![CDATA[Purpose: The study proposed a municipal sukuk model in strengthen halal tourism development in West Sumatera, Indonesia. After analyzing its opportunities and challenges within the context of limited local government financing.Design/methodology: The study employs a qualitative approach that combines literature review and field studies through interview as a technique of data collection. Interviews were conducted to the various stakeholders of halal tourism in West Sumatera. Six steps of the thematic analysis approach are employed to analyze the interview data. Discussion of findings was conducted by referencing the relevant research and other publications.Findings: The results show that stakeholders recognize municipal sukuk as a feasible instrument to finance halal tourism infrastructure. However, challenges remain, including the absence of specific local regulations, limited government assets, and insufficient technical capacity. Potential underlying assets include regional-owned hotels and tourist destinations, as well as tanah ulayat managed by nagari communities. Ijarah-based contracts, such as ijarah and ijarah maushufah fi al-zimmah, are identified as suitable structures for sukuk issuance.Practical Implication: The study provides policy insights for local governments and stakeholders in designing a regulatory and institutional framework for municipal sukuk, thereby enhancing sustainable halal tourism financing.Originality/Value: To the best of our knowledge, this is the first study to explore municipal sukuk for halal tourism development in Indonesia. It contributes to the literature on Islamic public finance by offering a novel model of sukuk issuance at the municipal level, extending the discourse on Islamic capital market instruments for regional economic development.]]>
<![CDATA[ISLAMIC ECONOMIC EMPOWERMENT MODEL DURING THE COVID 19 PANDEMIC IN LAZISMU SURAKARTA ]]>
<![CDATA[Kemal, Saiev Dzaky El]]>;
<![CDATA[Ayuniyyah, Qurroh]]>;
<![CDATA[Armen, Rio Erismen]]>;
<![CDATA[Alfani, Mufti Maula]]>
<![CDATA[ Journal of Islamic Economic Laws Vol 5, No 2 July 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surakarta ]]>
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DOI: 10.23917/jisel.v5i2.18449
<![CDATA[The COVID 19 pandemic is a new challenge for the Islamic economy to be able to be a solution to various problems that arise due to the impact of the spread of the COVID 19 virus in every community. The impact caused by the pandemic is not only on the health aspect but also on the economic aspect. This study aims to find out what are the models of economic empowerment in the Islamic Economy that can be done during the COVID 19 pandemic. The research method used is qualitative descriptive. This method explains the phenomena that occur in society and then a conclusion is drawn. The results of this study are the first, the empowerment model carried out by LAZISMU Surakarta during the pandemic has been in accordance with government rules, namely the funds are distributed to those who are entitled to receive it legally Islamic and also pay attention to the scale of community priorities. Second, the category of consumptive empowerment is 11% greater than productive empowerment. Third, the benefits obtained by the community from consumptive empowerment are greater when the number of pandemic cases is increasing, while when the trend of confirmed case numbers is falling, productive empowerment is more expected by the community. Fourth, the Islamic Economy is still able to play a role in tackling emergencies such as the COVID 19 pandemic. This is evidenced through LAZISMU Surakarta which has been able to empower people’s funds professionally.]]>
<![CDATA[Analisis Pengaruh Maqashid Syariah Terhadap Fatwa DSN-MUI Tentang Penyelesaian Utang Murabahah ]]>
<![CDATA[Hanif, Ahmad]]>;
<![CDATA[Susanto, Hari]]>;
<![CDATA[Armen, Rio Erismen]]>
<![CDATA[ Scientia: Jurnal Hasil Penelitian Vol. 8 No. 1 (2023): Scientia ]]>
Publisher : <![CDATA[LP2M IAIN Syaikh Abdurrahman Siddik Bangka Belitung ]]>
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DOI: 10.32923/sci.v8i1.2607
<![CDATA[This study aims to examine how the implementation of maqâshid syarî'ah in the DSN-MUI fatwas regarding the settlement of murabahah debts and to see how far the influence of maqâshid syar'ah on these fatwas. The method that the researcher uses in this research is a qualitative method and also a research on Islamic legal philosophy. The data collection method used is literature search. The data obtained were then processed and analyzed according to the research objectives. This study found that DSN-MUI implements and considers maqâshid syarîah in the fatwas regarding the settlement of murabahah debts. DSN-MUI does not mention maqâshid syarîah as a specific argument, but maqâshid is contained in the meaning of verses, hadiths, fiqh rules, choices of tarjih, and choices of other ijtihad mechanisms. Some of the maqâshid syarîah implemented by DSN-MUI in the fatwa regarding the settlement of murabahah debts include: hifzu al-mâl (guarding property) both from the side of producing it or from the side of maintaining it, sad bab al-nizâ' wa subul al-daghâ`in (closing the door disputes and hostilities), al-taysîr (facilitating) and dar`u al-darar (avoiding danger). The influence of maqâshid syarîah in the DSN-MUI fatwa can be observed based on the following: the selection of opinions (tarjih), looking for a better benefit even by leaving the opinion of the majority of scholars (jumhur), paying attention to the dynamics of the fatwa due to changes in 'illah, and presenting solutions and alternatives sharia-compliant contracts, paying attention to the consequences of a contract (ma'alat).]]>
<![CDATA[Jual Beli Follower Untuk Meningkatkan Branding Pada Media Sosial Instagram Dalam Perspektif Hukum Positif dan Hukum Syariah ]]>
<![CDATA[Pazriah, Mia]]>;
<![CDATA[Armen, Rio Erismen]]>;
<![CDATA[Aldizar, Addys]]>
<![CDATA[ Journal of Fiqh in Contemporary Financial Transactions Vol 2, No 1 (2024): Journal of Fiqh in Contemporary Financial Transactions ]]>
Publisher : <![CDATA[Department of Islamic Economics Law ]]>
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DOI: 10.61111/jfcft.v2i1.660
<![CDATA[This research aims to find out how positive law and sharia law reflect the practice of buying and selling Instagram follower and its objectives. This research uses a qualitative descriptive method by combining two methods, namely field and literature methods. From this research, the results obtained show that the mechanism for buying and selling follower is carried out using an electronic system where orders and payments are made to the seller using electronic devices, after which the seller will add follower using the help of a follower addition application. In positive law, this transaction is considered unlawful because it does not comply with the regulations stated in Law No. 11 of 2008 concerning Electronic Information and Transactions where follower added to the buyer's account are added without permission from the owner. The results of this research also reveal that the practice of buying and selling Instagram follower is not in accordance with sharia regulations, where this practice does not fulfill one of the conditions for buying and selling, namely that the object of the contract must belong to the seller, whereas in this research the follower who are the object of buying and selling do not belong to the seller]]>
<![CDATA[Tinjauan Fikih Terhadap Praktik Layanan Kesehatan Dengan Sistem Penukaran Sampah Daur Ulang ]]>
<![CDATA[Kamila, Arini Farhana]]>;
<![CDATA[Armen, Rio Erismen]]>;
<![CDATA[Shidqi, Muhammad Azam]]>
<![CDATA[ Journal of Fiqh in Contemporary Financial Transactions Vol 1, No 1 (2023): Journal of Fiqh in Contemporary Financial Transactions ]]>
Publisher : <![CDATA[Department of Islamic Economics Law ]]>
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DOI: 10.61111/jfcft.v1i1.437
<![CDATA[Penelitian ini bertujuan untuk menganalisa praktik penukaran sampah dengan layanan kesehatan pada Rumah Sehat Salam Aid dalam perspektif fikih muamalah. Metode penilitian kualitatif menggunakan metode field research dengan melakukan perbandingan antara implementasi lapangan dan kesesuaian dalam syari’ah. Hasil dari penelitian ini menunjukkan bahwa Praktik Tranaskasi Layanan Kesehatan dengan sistem Pembayaran Sampah di Rumah Sehat Salam Aid Kota Bogor tersebut menukarkan sampah daur ulang dengan layanan kesehatan. Ditinjau pada perspektif fikih muamalah, transaksi layanan kesehatan dengan sistem pembayaran sampah daur ulang yang dilakukan oleh Rumah Sehat Salam Aid apabila didasari kerelaan, suka sama suka, rela antara pihak salam aid dan pasien maka tidak ada masalah, hal ini diperbolehkan.This thesis discusses the Practice of Health Service Transactions with the Garbage Payment System at Salam Aid Healthy Homes, Bogor City: A Muamalah Fiqh Perspective. This study aims to analyze the practice of exchanging waste with health services at Salam Aid Healthy Homes from the perspective of muamalah fiqh. The results of this study indicate that the Practice of Transacting Health Services with the Garbage Payment system at Rumah Sehat Salam Aid, Bogor City, exchanges recycled waste for health services. Judging from the perspective of muamalah fiqh, health service transactions with the recycling waste payment system carried out by Rumah Sehat Salam Aid if it is based on willingness, like and like, willing between the parties of salam aid and the patient then there is no problem, this is permissible.]]>
<![CDATA[Halal Tourism in West Sumatera: a Bibliometric Study ]]>
<![CDATA[Mardian, Sepky]]>;
<![CDATA[Armen, Rio Erismen]]>
<![CDATA[ Journal of Business & Banking Vol 13 No 2 (2023): November 2023 - April 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v13i2.4152
<![CDATA[West sumatera is a halal tourism destination in Indonesia. It was acknowledged by Global Muslim Travel Index in 2016. All stakeholders have given more intention to this halal tourism. Beyond the strengthening district regulation on it, the studies on halal tourism in West Sumatera have been increasing every year. This study aims to map the research about halal tourism in West Sumatera. Bibliometric approach was conducted to map the different studies on this topic. By using Publich or Perish, the data were taken from Google Scholar database. Several keywords were used to do it, i.e. halal tourism in West Sumatera, Islamic tourism in West Sumatera, wisata halal di Sumatera Barat and wisata Sariah di Sumatera Barat. The metadata were described by tables and graphs. Again it is also visualized by VOSViewer to find the research cluster on the topic and trend of relationship among the keywords. The study found that the research on Islamic tourism in West Sumatera is still limited. It only found 35 journal articles or proceeding in tens of years. The theme is also limited on description of the opportunity and challenges and stakeholders perception about Islamic tourism in West Sumatera.]]>
<![CDATA[IMPLEMENTASI GADAI EMAS DI BANK SYARIAH INDONESIA DALAM PERSPEKTIF HUKUM ISLAM: Studi Kasus di BSI Kantor Cabang Pembantu Kuningan ]]>
<![CDATA[Armen, Rio Erismen]]>;
<![CDATA[Hermawan, Aries]]>
<![CDATA[ AL-MASHALIH (Journal of Islamic Law) Vol. 3 No. 1 (2022): AL-MASHALIH (Journal of Islamic Law) ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Syariah Husnul Khotimah ]]>
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<![CDATA[Praktik gadai emas sudah banyak dilakukan oleh Bank Syariah Indonesia. Dalam hal ini, peneliti memilih Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan sebagai objek penelitian, yaitu untuk melihat praktik gadai emas yang dilakukan. Dalam penelitian ini, penulis menetapkan dua rumusan masalah, yaitu bagaimana implementasi gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan dan bagaimana pandangan hukum Islam terhadap implementasi gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan. Dalam proses penelitiannya, peneliti menggunakan metode penelitian kualitatif dan bersifat naratif deskriptif kualitatif. Adapun teknik pengumpulan datanya menggunakan teknik wawancara dan teknik dokumentasi, selanjutnya dianalisis menggunakan teknik analisis deduktif yang mana menganalisis terkait praktik gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan. Setelah dilakukan penelitian, bahwa BSI Kuningan melakukan tiga akad yaitu akad rahn, akad qardl, dan akad ijarah. Dari hasil penelitian yang dilakukan, peneliti menyimpulkan bahwa implementasi (praktik) gadai emas pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan sudah memenuhi rukun dan syarat pada masing-masing akad yang digunakan. Sehingga dalam pandangan hukum Islam implementasi pembiayaan gadai emas pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan telah sah dan boleh dilakukan serta tidak adanya pelanggaran syariat dan tidak ada yang berbeda dengan standar gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan.]]>
