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Welfare Beneficiary Community BUMDes Karya Dermawan Dusun Dalam Village Fauzi, Muhammad; Asa'ari, Asa'ari; Arzam, Arzam; Mursal, Mursal; Zufriani, Zufriani; Novia, Aidil; Syarif, Dafiar
International Journal of Social Science and Business Vol 5, No 3 (2021): August
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v5i3.38621

Dusun Dalam Village Government established a Village-Owned Enterprise (BUMDes) Karya Dermawan is a policy utilization. The main pillar was established BUMDes Karya Dermawan in accordance with the mandate of the objectives whose activities were oriented to encourage the welfare of the village community. Therefore, this study was conducted aimed at looking at the welfare provided by BUMDes Karya Dermawan Dusun Dalam village especially to the beneficiary community and compare the level of welfare before and after BUMDes Karya Dermawan was established. This study uses a descriptive quantitative approach, and data sourced from primary data by using Paired Sample t-Test as a data analysis tool. This study shows that BUMDes Karya Dermawan provides welfare to the beneficiary communities through businesses that have been established including Cooperatives;, Alsintan; and Workshop, which is directly able to change or succeed in providing an increase in welfare for the beneficiary community after the establishment of BUMDes as evidenced by the results of the Paried Sample t-Test analysis. With this evidence of success, for all elements should give intensive attention;, so that the development of BUMDes Karya Dermawan exists even more as a driver of community welfare. And also integratedly invites and becomes a valuable lesson for existing villages to establish BUMDes or villages that already have BUMDes, but have not succeeded in providing a common thread for the welfare of their citizens

The Effect of Income with Household Consumption on The Welfare of Dodol Potato Businesses Assessed From Islamic Economic Concept Cendra, Cendra; Fauzi, Muhammad; Arzam, Arzam; Novia, Aidil; Hulwati, Hulwati; Bustami, Yuserizal; Syarif, Dafiar; Mursal, Mursal
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 7, No 2: Agustus 2020
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v7i2.11214

The purposed of this study was to analyze the influence between income and household consumption on the welfare of potatoes taffy business in Lubuk Nagodang Village, Siulak Subdistrict, Kerinci regency. This study was assessing the welfare of taffy business in Islamic economic concepts and indicators. Field research with quantitative-qualitative (Mixed Method) as the method and approach used in this research. The research data was sourced from primary data, using multiple linear regression equations as a data analysis tool. This study was shown that the income partially has a significant effect on the welfare of potatoes taffy business that assessed from the Islamic economic concept. Then, household consumption partially has a significant effect on the welfare of potatoes taffy business assessed from the concept of Islamic economics. Besides, the income with household consumption simultaneously has a significant effect on the welfare of potatoes taffy business assessed from the concept of Islamic economics with a significance value of 0.000 0.05, and both variables contribute 69.2% together, while the remaining 30 ,8% influenced or explained by other factors not discussed in this study.

Urgensi Pemahaman Terhadap Maqashid Al-Syariâ€™ah dan Perubahan Sosial dalam Istinbath Al-Ahkam Asaâ€™ari, Asaâ€™ari; Zufriani, Zufriani; Arzam, Arzam; Witro, Doli
De Jure: Jurnal Hukum dan Syari'ah Vol 13, No 2 (2021)
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j-fsh.v13i2.13818

Abstract: Maqasid sharia is still one of the exciting study themes to be studied. Because of its development, the study of maqasid discourse is still in an effort to find the ideal form of the conceptual formulation. For this reason, this study will review the correlation between the understanding of maqasid sharia and social change as a necessity in an effort to do istinbath al-ahkam. This article uses a qualitative research method that uses authoritative references as primary sources and scientific publications as secondary sources of references which are then analyzed using descriptive-analytical methods. Three main points can be concluded from this article, namely: 1) the development of thought and social change influences the istinbath al-ahkam method of cases that are waqiâ€™iyah; 2) understanding of social changes in society based on socio-anthropological aspects both in the Nubuwwah era and today is significant in maqasidi reasoning; 3) understanding maqashid sharia and social change is very urgent (essential) for a jurist, especially for the purposes of istinbath al-ahkam so that the legal conclusions drawn do not depend on a literal understanding of the text alone; Moreover, this legal case never happened in the time of the Prophet Muhammad p.b.u.h. is still alive, and it is difficult to find the text explicitly, and the resulting law can carry the spirit of the maqasid itself, namely masalih lil â€˜ibad.Keywords: Maqashid Sharia; Social Change; Istinbath al-Ahkam.Abstrak: Maqasid al-syariâ€™ah menjadi salah satu tema kajian yang menarik untuk dikaji. Sebab dalam perkembangannya, kajian diskursus maqasid masih dalam upaya mencari bentuk rumusan konsepsi yang ideal. Untuk itu, kajian ini akan mengulas korelasi antara pemahaman atas maqasid al-syariâ€™ah dan perubahan sosial sebagai sebuah keharusan dalam upaya melakukan istinbath al-ahkam. Artikel ini menggunakan metode penelitian kualitatif yang menjadikan rujukan-rujukan otoritatif sebagai sumber primer dan publikasi-publikasi ilmiah sebagai sumber sekunder referensinya yang kemudian dianalisa dengan metode deskriptif-analitis. Ada tiga poin utama yang dapat menjadi kesimpulan artikel ini yaitu: 1) perkembangan pemikiran dan perubahan sosial mempunyai pengaruh terhadap cara istinbath al-ahkam atas kasus-kasus yang bersifat waqiâ€™iyah; 2) pemahaman atas perubahan sosial masyarakat yang berbasis pada aspek sosio-antropologis baik pada masyarakat era nubuwwah maupun saat ini sangat penting dalam nalar maqasidi; 3) memahami maqashid al-syariâ€™ah dan perubahan sosial menjadi sesuatu yang sangat urgen (penting) bagi seorang ulama ahli hukum terutama bagi keperluan istinbath al-ahkam sehingga kesimpulan hukum yang diambil tidak bergantung pada pemahaman nash secara literal semata; apalagi kasus hukum tersebut tidak pernah terjadi di zaman Rasulullah masih hidup, dan sulit dicari nash-nya secara eksplisit, serta hukum yang dihasilkan dapat membawa ruh dari maqasid itu sendiri yaitu masalih lil â€˜ibad.Kata Kunci: Maqashid al- Syariâ€™ah; Perubahan Sosial; Istinbath al-Ahkam.

KESEJAHTERAAN EKONOMI ISLAM: Bukti Dari Masyarakat Penerima Manfaat Badan Usaha Milik Desa (BUMDes) Karya Dermawan Dusun Dalam Fauzi, Muhammad; Arzam, Arzam; Novia, Aidil; Hulwati, Hulwati
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 2 (2022): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i2.5930

Abstrak: Penelitian ini bertujuan menilai kesejahteraan masyarakat penerima manfaat BUMDes Karya Dermawan dalam ekonomi Islam. Ini didasari bahwa gagasan kesejahteraan ekonomi konvensional dipandang tidak sesuai, yang hanya meletakan dimensi kebutuhan materil (dunia) untuk menilai sejahteranya masayarakat. Karena itu, kesesuaian menilai sejahteranya masyarakat terletak dalam gagasan kesejahteraan ekonomi Islam, yang didilamnya terdapat penilaian dimensi kebutuhan spiritual (akhirat) dan materil (dunia), dengan mengacu lima prinsip tujuan syariat Islam (Maqasid Syariah). Penelitian ini mempergunakan pendekatan Mixed Method. Data penelitian dikumpul dari sumber primer, meliputi data kuantitatif dan kualitatif. Data kuantitatif berupa hasil kuesioner yang telah disebarkan/diisi oleh 100 responden yang diambil secara Purposive Sampling dan dihitung mengikuti teknik Slovin. Data kualitatif berupa observasi dan wawancara terhadap 6 responden yang diambil secara Snowball Sampling. Penelitian ini mempergunakan metode analisis deskriptif sebagai alat analisis data Mixed Method. Penelitian ini menujukan bahwa masyarakat penerima manfaat BUMDes Karya Dermawan sudah sejahtera dinilai dalam ekonomi Islam. Hal ini dibuktikan oleh masyarakat penerima manfaat mampu mewujudkan dimensi kebutuhan spiritual meliputi menjaga agama (Hifdzu Din), jiwa (Hifdzu Nafs), akal (Hifdzu

Klasifikasi Akad Tabarru’: Implementasi Akad Qardh Atas Take Over Di Bank Syariah Indonesia Ayu, Dena; Arzam, Arzam; Witro, Doli
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 7 No. 1 (2022): Vol 7 No 1 (2022): Asy-Syar'iyyah Juni 2022
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v7i1.2278

This article discusses the classification of tabarru’ contracts and the implementation of qardh contracts on the take over in Indonesian Islamic banks. The research method used in this article was qualitative research method. Data were collected by using literature study technique. Data were collected from several sources as references such as books, articles, and other data sources. Data analysis techniques used were data condensation, data presentation, and drawing conclusions. This article reveals that the tabarru’ contract is a contract that is applied with the concept of helping each other in order to achieve goodness. There are several classifications of tabarru’ contracts, namely the concept of guaranteeing money (qardh, rahn, hiwalah), guaranteeing oneself (kafalah, wakaalah, wadi’ah) and giving something (hibah, hadiah, wakaf, ZIS). This classification makes it easy to understand the concepts and implementation of the tabarru contract in life, but still prioritize the common good. The implementation of the qardh contract on the take over at Bank Syariah Indonesia provides convenience to customers who need assistance in transferring debt to conventional financial institutions. The existence of qardh facilities on the principle of helping each other remains sticking to the rules of the Sharia. Artikel ini membahas tentang klasifikasi akad tabarru’ serta implementasi akad qardh atas take over di bank syariah Indonesia. Metode penelitian yang digunakan dalam artikel ini yaitu metode penelitian kualitatif. Teknik pengumpulan data menggunakan cara studi kepustakaan. Data dikumpulkan dari beberapa sumber untuk dijadikan referensi seperti buku-buku, artikel, dan sumber data yang lainnya. Teknik analisis data yang digunakan adalah kondensasi data, penyajian data, dan penarikan kesimpulan. Artikel ini mengungkapkan bahwa akad tabarru’ merupakan akad yang diterapkan dengan konsep saling tolong menolong dalam rangka mencapai kebaikan. Ada beberapa klasifikasi akad tabarru’ yaitu konsep menjamin uang (qardh, rahn, hiwalah), menjamin diri (kafalah, wakaalah, wadi’ah) dan memberikan sesuatu (hibah, hadiah, wakaf, ZIS). Klasifikasi tersebut memberikan kemudahan untuk memahami konsep-konsep dan pengimplementasian akad tabarru’ dalam kehidupan, dengan tetap mengedepankan kemaslahatan bersama. Implementasi akad qardh atas take over di Bank Syariah Indonesia memberikan kemudahan terhadap nasabah yang membutuhkan bantuan terhadap pengalihan hutang terhadap lembaga keuangan konvensional. Adanya fasilitas qardh atas prinsip tolong menolong dengan tetap berpegang teguh pada aturan syariat.

Islamic Crowdfunding: A Review Literature Arzam, Arzam; Fauzi, Muhammad; Efendi, Faisal; Sulastri, Widia
Review of Islamic Economics and Finance Vol 6, No 2 (2023): Revıew of Islamic Economics and Finance (RIEF): December 2023
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v6i2.62827

Purpose – This study aims to review the current literature, both theoretical and empirical, which discusses Islamic Crowdfunding (ICF) and highlights future research directions.Methodology - This study is qualitative research, with the type being a literature review. The data search was carried out by searching the Emerald Publishing data base from the early 2016 – september 2023 period, using content analysis as a data analysis tool.Findings - During the period early 2016 – september 2023, 30 pieces of literature about ICF were detected in the Emerald Publishing data base. This literature is studied from various perspectives, such as studies in the perspective of sharia (Islamic law) / Sharia Complaint;, ICF is also studied from several sharia contracts (such as Mudharabah, Musyarakah Mutanaqisah, Salam, Murabahah, and Qard Hasan);, ICF is also studied from a donation perspective and as an alternative model for waqf institutions;, and ICF is also studied in the context of entrepreneurship, micro-enterprises, and small and medium enterprises (SMEs);. This research highlights that all the current literature contained in the data base paves the way for future research. However, this research looks at some of the ICF literature that is still little seen and could be a direction and challenge for future research, such as the Salam-based CF proposed by Saiti et al (2018) to apply to agricultural sector financing. Furthermore, recently, CF was proposed for housing finance, such as the model offered by Ma Md Taib (2023) and Ma et al (2023) who proposed a new housing affordability solution by combining the Islamic financial concept of Musyarakah Mutanaqisah with the cooperative and CF models.

Kajian Politik Melalui Kebijakan Pengaturan dalam Ekonomi Islam sebagai Unsur Formil Ayu, Dena; Arzam, Arzam; Witro, Doli
Al-Amwal : Journal of Islamic Economic Law Vol. 7 No. 1 (2022): AL-AMWAL : JOURNAL OF ISLAMIC ECONOMIC LAW
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v7i1.2925

Political economy is understood as a scientific discipline that discusses political and economic problems and their very complex nature related to thinking about the application of politics and economics. This article uses qualitative research methods. Data collection is done by the library research method. These data are sourced from scientific papers, authoritative books, internet websites, and those related to research topics. The data analysis technique used is a qualitative data engineering model, Miles et al., namely data condensation, data presentation, and drawing conclusions. The study results show that the state's welfare refers to the government's active role in managing the economy. Therefore, the source of state finances is the driving force for the welfare of the state and society. In Indonesia, the government has detailed regulated how state financial resources are obtained and issued for the public benefit. Judging from the history of Islamic economic politics that has been carried out during the time of the Prophet until now, financial sources such as business, taxes, and public debt have become significant contributions to the Indonesian government in running the economy.

Legalitas Cryptocurrency: Tinjauan terhadap Fatwa-Fatwa Institusi dan Personal Arzam, Arzam; Fauzi, Muhammad; Mursal, Mursal; Muid, Abdul
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v5i2.612

This study aims to review and comprehensively explain the legality of Cryptocurrency based on a number of institutional and personal fatawa. To answer the research objectives, it was carried out using descriptive research with a qualitative approach. The research data comes from secondary data in the form of institutional and personal fatawa that have been published online, and are accompanied by supporting writings explaining these fatawa. The collected research data were analyzed by following the steps including material collection, discussion, and descriptive analysis. This research shows that a number of institutional and personal fatawa are divided into three decisions on the legality of Cryptocurrency, namely the first is Halal Cryptocurrency; on the grounds that it can be treated as a form of Maal (property), because it is based on social approval and general use so it is permissible to own;, trade;, transact;, etc. there is a clear decision), on the grounds of excessive gharar (speculation); security risk; can easily be used in illegal activities;. Third, Cryptocurrencies are illegal, for various reasons, they are not currency and are not legal means of payment; decentralized validation; excessive gharar (speculation); can easily be used for maysir (gambling);, and used to fund terrorists;. This research needs to be continued considering the limitations it has, such as seeing arguments against Cryptocurrency due to its properties (characteristics) so it is very good and it takes hard work to see it from various perspectives.

KESEJAHTERAAN EKONOMI ISLAM: Bukti Dari Masyarakat Penerima Manfaat Badan Usaha Milik Desa (BUMDes) Karya Dermawan Dusun Dalam Fauzi, Muhammad; Arzam, Arzam; Novia, Aidil; Hulwati, Hulwati
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 2 (2022): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i2.5930

Abstrak: Penelitian ini bertujuan menilai kesejahteraan masyarakat penerima manfaat BUMDes Karya Dermawan dalam ekonomi Islam. Ini didasari bahwa gagasan kesejahteraan ekonomi konvensional dipandang tidak sesuai, yang hanya meletakan dimensi kebutuhan materil (dunia) untuk menilai sejahteranya masayarakat. Karena itu, kesesuaian menilai sejahteranya masyarakat terletak dalam gagasan kesejahteraan ekonomi Islam, yang didilamnya terdapat penilaian dimensi kebutuhan spiritual (akhirat) dan materil (dunia), dengan mengacu lima prinsip tujuan syariat Islam (Maqasid Syariah). Penelitian ini mempergunakan pendekatan Mixed Method. Data penelitian dikumpul dari sumber primer, meliputi data kuantitatif dan kualitatif. Data kuantitatif berupa hasil kuesioner yang telah disebarkan/diisi oleh 100 responden yang diambil secara Purposive Sampling dan dihitung mengikuti teknik Slovin. Data kualitatif berupa observasi dan wawancara terhadap 6 responden yang diambil secara Snowball Sampling. Penelitian ini mempergunakan metode analisis deskriptif sebagai alat analisis data Mixed Method. Penelitian ini menujukan bahwa masyarakat penerima manfaat BUMDes Karya Dermawan sudah sejahtera dinilai dalam ekonomi Islam. Hal ini dibuktikan oleh masyarakat penerima manfaat mampu mewujudkan dimensi kebutuhan spiritual meliputi menjaga agama (Hifdzu Din), jiwa (Hifdzu Nafs), akal (Hifdzu

FATWA DAR AL-IFTA NOMOR 3598/2006 TENTANG WAKAF SAHAM: TINJAUAN ARGUMENTASI HUKUM DAN IMPLIKASINYA Arzam, Arzam; Fauzi, Muhammad; Akana Helmi, Lika; Mahdi, Al-
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 10, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v10i2.12192

Whether we realize it or not, there is a role and results of the inspiration of fatwas of scholars (personally or collectively) in addition to laws and regulations in various Islamic countries on innovation and development of waqf objects. Dar al-Ifta Egypt is one of them, has issued many fatwas on innovation of waqf objects, including on stock waqf and distribution of benefits, which is contained in fatwa no. 3598 of 2006 on Waqf al-Ashumi wa Tasbil 'Awa'idiha. This study aims to determine the legal status and arguments in the fatwa of Dar al-Ifta. This study is a qualitative study, with research data sourced from primary data in the form of the fatwa, using content analysis as a data analysis tool. This study shows that Dar al-Ifta has determined in its fatwa that stock waqf and distribution of benefits are permissible. Dar al-Ifta's argument for allowing it is using the concept of analogy (equation) regarding the permissibility of cash waqf. Dar al-Ifta strengthens its fatwa argument by referring to several arguments, where the arguments are the opinions of the scholars of the School of Thought about the permissibility of cash waqf (dinar and dirham). By knowing the legal status and arguments of the Dar al-Ifta fatwa, shares are determined as something that has the same function and benefits as money so that it can be used as an object of waqf (such as in the category of movable objects). This fatwa has implications for efforts to reform Islamic law in the field of waqf, and also has practical implications for society and for the increasingly advanced development of Islamic economics and finance. Furthermore, it is an open area for further research, related to the impact on the spread and response of society after the fatwa is issued or determined. It is also interesting to study the practice of stock waqf in various Islamic countries that are currently taking place, by linking it to existing fatwas and connecting it from various perspectives.

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