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All Journal al-Afkar, Journal For Islamic Studies Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Jurnal Tabarru': Islamic Banking and Finance Jurnal Ilmiah Edunomika (JIE) Mabny : Journal of Sharia Management and Business Mukaddimah: Jurnal Studi Islam Banco: Jurnal Manajemen dan Perbankan Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah International Journal of Economics, Accounting, and Management Journal of Ekonomics, Finance, and Management Studies
Mugiyati
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Islamic Economic Actors: Comparative Study Of The Thinking Khurshid Ahmad And Monzer Khaf Alif Mujiyana Eka Bella; Mugiyati
al-Afkar, Journal For Islamic Studies Vol. 7 No. 3 (2024)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v7i3.995

Abstract

As Indonesian Muslims, we are also obliged to study economics as Muslim thinkers have done before us. Unfortunately, many Indonesian students still lack or have not studied economic concepts from an Islamic perspective or the economic principles developed by Islamic thinkers. Therefore, this article discusses two thoughts of Muslim figures in economic segmentation, namely the thoughts of Khurshid Ahmad and the thoughts of Monzer Khaf. Using the comparative literature study method, this research explores the thoughts and works of these two Islamic economic thinkers. The result of this research is that economics is an integral part of religion. By building Islamic-economic human resources, he makes humans as economic actors able to build Islamic economic civilization, especially in terms of consumption, so that it is in accordance with Islamic law and ethics.
An Overview of BSI Mobile Banking Services' Sharia Principles Compliance Implementation Perspective Maslahah Mursalah Zidna, Rizka Rahmatllah; Mugiyati; Muhammad Raihan Syamil
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 8 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v8i2.47886

Abstract

Implementation of Shari'ah values is the distinguishing aspect between conventional and Shari'ah systems, including the development of Internet-based banking products. The technology that Islamic banks utilise also has to conform to Sharia rules, particularly as it relates to mobile banking. This research uses a literature review method with qualitative approaches with a focus on Sharia principles in DSN-MUI Fatwa No.10/DSN- MUI/VI/2000 regarding the use of Bank Syariah Indonesia's mobile banking service system and assessed with mashlahah mursalah. This research shows that the implementation of Shariah principles in BSI mobile services based on the DSN-MUI fatwa on wakalah has been carried out with the specified conditions. Reviewing the benefits obtained from mobile banking services shows that there are elements of goodness in it, so the analysis of online-based banking services at BSI Mobile is in compliance with the concept of Maṣlaḥah Mursalah according to Ash-Syatibi, as it has fulfilled the specified conditions.
KOMPARASI SUMBER DAN PENGGUNAAN DANA KEBAJIKAN PADA BANK BSI DENGAN BANK MUAMALAT Marchelia Putri, Sindy; Mugiyati
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(2).17358

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui perbedaan terkait sumber dan penggunaan dana kebajikan antara Bank BSI dan Bank Muamalat. Penelitian ini merupakan penelitian kualitatif deskriptif komparatif dengan sumber data berupa laporan keuangan Bank BSI tahun 2022-2023 dan laporan keuangan Bank Muamalat Desember 2022 hingga September 2023. Hasil penelitian menunjukkan bahwa terdapat persamaan dan perbedaan antara kedua bank tersebut terkait sumber dan penggunaan dana kebajikan. Persamaannya terletak pada sumber dan penggunaan dana kebajikan yang sesuai dengan PSAK No. 101 dan dana jasa giro yang menjadi dana kebajikan, serta pengalokasian dana kebajikan untuk donasi. Perbedaannya terletak pada sumber dana kebajikan dan penyaluran kepada pengelola dana kebajikan.
Efficiency and Accessibility of Sharia Home Financing for Millennials: A Study of BSI's Griya Si Muda Program vs BTN iB Property Fatkhurrozi, Tanto; Mugiyati
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v6i2.9537

Abstract

Purpose – The study aims to explore how sharia-compliant home financing programs bridge affordability, Islamic values, and cultural traditions to meet millennial housing needs in Indonesia Method – Employing a qualitative approach with a literature study method, the research compares financing schemes, requirements, and benefits offered by Bank Syariah Indonesia (BSI) and Bank Tabungan Negara (BTN) Syariah. Findings –. Findings reveal that both programs integrate Islamic principles with modern financial practices, offering innovative solutions for millennials to achieve homeownership. BSI’s "Griya Si Muda" focuses on flexibility and affordability with fixed installments, while BTN’s "Properti iB" combines Murabahah and Musyarakah Mutanaqisah contracts for joint ownership, emphasizing long-term equity. Practical implications highlight the importance of leveraging digital platforms to enhance accessibility and cultural alignment. This study provides original insights into the role of Islamic finance in fostering sustainable housing solutions tailored to millennial preferences and socio-religious contexts. Practical implications – That millennials seeking home financing can choose a program based on their specific needs: BSI Griya Si Muda is suitable for workers with a fixed income who prioritize ease of application, certainty of installments, and a large ceiling, while BTN iB is more suitable for those who require age flexibility, self-employment, or gradual ownership options. Prospective customers should consider their financial profile, long-term plans, and financing scheme preferences before making a decision. Originality/value – a unique comparative analysis that provides guidance for millennials in choosing Islamic home financing according to their needs as well as recommendations for the development of Islamic banking products.
Analisis Risiko Modal Ventura Syariah di Indonesia Umi Qurrotul Aini; Mugiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.2837

Abstract

Venture capital as an alternative financing outside credit banking. Investments made in the form of shares or convertible bonds in the long term, and aimed at business partner companies (PPU), venture capital is a collection of capital originating from investors to be managed professionally by a management company and investment in PPU. Funds invested in venture capital are investment funds that have high risk. This research uses a library or literary study approach. Data collection techniques are carried out through reading and taking notes, as well as managing previous research materials. The aim of this research is to determine the potential risks that will occur and the impact of risks on venture capital. Research results show that venture capital often contributes to helping entrepreneurs develop. So it cannot be denied that venture capital is very prone to losses for both parties.
Implementation of Good Corporate Governance Principles in Improving the Performance of Indonesian Islamic Banks Hasir; Mugiyati
al-Afkar, Journal For Islamic Studies Vol. 8 No. 2 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i2.1386

Abstract

This study seeks to examine the implementation of Good Corporate Governance (GCG) principles as a means to enhance the effectiveness of Islamic banking operations. GCG encompasses a framework of regulations, practices, and procedures aimed at guiding and overseeing organizational management. Within Islamic banking, GCG adoption serves not only to ensure regulatory adherence but also underscores the significance of ethical standards and adherence to sharia principles. The study employed a qualitative analysis utilizing a literature review method to investigate prior research conducted at Bank Syariah Indonesia. Data collection encompassed various sources such as books, journals, internet resources, and pertinent documents. Findings indicated that integrating Good Corporate Governance (GCG) principles like transparency, accountability, responsibility, independence, and fairness has yielded favorable outcomes on the operational and financial efficacy of Islamic banks. The research concluded that Islamic banks adhering steadfastly to GCG principles experience heightened stakeholder trust, diminished operational risks, and enhanced efficiency and effectiveness in conducting banking operations. Moreover, top management's dedication to embedding GCG principles across all facets of bank operations emerges as pivotal in attaining peak performance. The findings underscore the importance of reinforcing the application of GCG principles within Bank Syariah Indonesia to foster enduring performance. It is imperative to ensure that all operational facets align with sharia principles for sustained success. This study contributes significantly to GCG literature within the Islamic banking domain, furnishing actionable insights for industry decision-makers.
Implementasi Risk Management Pada Pembiayaan Tabarok (Studi Kasus di BPRS SPM Pamekasan) Basyirah, Luthfiana; Ritonga, Iskandar; Mugiyati
Mabny: Journal of Sharia Management and Business Vol. 1 No. 2 (2021): Mabny : Journal of Sharia Management and Business
Publisher : Faculty of Islamic Economics and Business, Madura Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/mabny.v1i02.4812

Abstract

Pembiayaan Tabarok (Tanpa Agunan dan Barokah) merupakan salah satu produk yang disalurkan oleh Bank Pembiayaan Rakyat Syariah SPM Pamekasan kepada masyarakat dengan menerapkan akad muḍārabah dan tanpa agunan dalam melaksanakan aktivitas UMKM. Sejak terjadi kasus Covid-19 (Corona Virus Disease- 19) yang semakin meluas di Indonesia menyebabkan lumpuhnya kondisi sosial dan ekonomi masyarakat. Tidak bisa dipungkiri bahwa hal tersebut akan sangat berpengaruh dan menyebabkan beberapa permasalahan khususnya dalam berbagai kegiatan sosial dan ekonomi. Hal tersebut juga akan berpengaruh terhadap kegiatan Perbankan Shariah, termasuk BPRS SPM Pamekasan yang akan dihadapkan dengan beberapa risiko dengan tingkatan kompleksitas yang berbeda-beda, hal tersebut akan terus berdampingan dengan kegiatan bisnis. Dengan demikian, suatu lembaga perlu melakukan implementasi manajemen risiko dengan tujuan untuk mencegah adanya risiko pembiayaan yang kemungkinan terjadi di kemudian hari. Tujuan dalam penelitian ini untuk mengetahui implementasi risk management pada pembiayaan Tanpa Agunan dan Barokah di BPRS SPM Pamekasan dengan menggunakan pendekatan kualitatif dan jenis penelitian studi kasus. Hasil penelitian menyatakan bahwa, implementasi risk management pada pembiayaan Tabarok di BPRS SPM Pamekasan menggunakan 5 (lima) proses manajemen risiko, yaitu identifikasi risiko, pengukuran risiko, monitoring risiko, pengendalian risiko, dan penyelamatan risiko.
Analisis Praktik Shopee Paylater dalam Perspektif Pemikiran Zaid bin Ali Putri Rahayu, Alfina; Mugiyati
Mukaddimah: Jurnal Studi Islam Vol. 10 No. 1 (2025)
Publisher : Kopertais Wilayah III Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/mjsi.v10i1.4242

Abstract

Penelitian ini bertujuan untuk menganalisis praktik Shopee Paylater melalui perspektif pemikiran ekonomi Islam yang digagas oleh Zaid bin Ali. Shopee Paylater merupakan layanan pembayaran digital yang memungkinkan konsumen untuk melakukan pembelian secara kredit tanpa kartu fisik, dengan pembayaran yang dapat ditunda atau dicicil. Namun, layanan ini menimbulkan pertanyaan terkait kesesuaiannya dengan prinsip-prinsip ekonomi Islam, seperti larangan riba dan keadilan dalam transaksi. Dengan pendekatan kualitatif dan metode studi pustaka, penelitian ini mengeksplorasi sejauh mana praktik Shopee Paylater memenuhi syarat dan rukun akad yang sah dalam Islam, serta menganalisisnya dari sudut pandang akad Ba'i Bitsaman Ajil yang diperkenalkan oleh Zaid bin Ali. Hasil penelitian menunjukkan bahwa meskipun Shopee Paylater mengandung elemen kemudahan bagi pengguna, terdapat beberapa aspek yang dapat dipertimbangkan sebagai bentuk transaksi yang tidak sesuai dengan prinsip syariah, terutama terkait dengan penetapan bunga. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan teori ekonomi Islam kontemporer serta menjadi acuan bagi pengambil kebijakan dalam menyusun regulasi layanan keuangan digital yang sesuai dengan prinsip syariah. Kata kunci: Shopee Paylater, Zaid bin Ali, Ba'i Bitsaman Ajil
Peluang dan Tantangan Produk Asuransi Syariah Berbasis Wakaf dalam Meningkatkan Perlindungan Sosial Purwanto, Andi; Mugiyati
Mukaddimah: Jurnal Studi Islam Vol. 10 No. 1 (2025)
Publisher : Kopertais Wilayah III Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/mjsi.v10i1.4254

Abstract

Sharia insurance is one of the sharia financial instruments that functions as social protection for the community. However, the development of sharia insurance is still not optimal, especially in terms of the products and services offered. Waqf is one of the sharia financial instruments that can be used as a basis for developing innovative sharia insurance products. This study aims to identify opportunities and challenges in developing innovations in sharia insurance products based on waqf, as well as to find out how innovations in sharia insurance products based on waqf can improve social protection for the community. The results of the study indicate that there are several opportunities and challenges in developing innovations in sharia insurance products based on waqf, including low public awareness, lack of professional human resources, and ignorance about general sharia insurance products. However, with the innovation of sharia insurance products based on waqf, it is hoped that it can improve social protection for the community and increase public awareness of the importance of social protection.
Peran Modal Ventura Syariah sebagai Alternatif Permodalan bagi Usaha Mikro Kecil dan Menengah (UMKM) di Indonesia Al Azroh, Devira; Mugiyati
Mukaddimah: Jurnal Studi Islam Vol. 10 No. 1 (2025)
Publisher : Kopertais Wilayah III Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/mjsi.v10i1.4308

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memegang peranan penting dalam perekonomian Indonesia, namun kerap menghadapi tantangan signifikan dalam hal mengakses pembiayaan dari lembaga keuangan. Salah satu alternatif pembiayaan yang potensial dan sesuai prinsip syariah adalah modal ventura syariah. Penelitian ini bertujuan untuk menganalisis peran modal ventura syariah sebagai lembaga keuangan non-bank dalam memberikan solusi permodalan bagi UMKM. Penelitian ini menggunakan metode kualitatif melalui studi kepustakaan (library research) dengan sumber data sekunder dari buku, jurnal ilmiah, regulasi. Hasil penelitian menunjukkan bahwa modal ventura syariah tidak hanya menyediakan dana usaha berbasis akad musyarakah dan mudharabah, tetapi juga memberikan pendampingan manajerial, akses jaringan, serta kontribusi strategis lainnya yang dapat meningkatkan peluang keberhasilan UMKM. Skema ini memperkuat kapasitas UMKM dari sisi permodalan maupun manajemen, sehingga meningkatkan potensi keberhasilan usaha. Selain itu, modal ventura syariah didukung oleh landasan hukum yang kuat dan prinsip-prinsip syariah yang diawasi oleh Dewan Pengawas Syariah, menjadikannya instrumen keuangan yang sah dan terpercaya. Dengan demikian, modal ventura syariah memiliki peran strategis dalam pemberdayaan UMKM dan berkontribusi terhadap pembangunan ekonomi nasional secara inklusif dan berkelanjutan. Kata kunci: UMKM, Modal Ventura Syariah, Pembiayaan Syariah, Ekonomi Islam
Co-Authors Abdullah Jimly Hasanal Adhim Ahmad Agus Hidayat Al Azroh, Devira Alif Mujiyana Eka Bella Arif Angga Bayu Saputro Aris Saiful Mizan Basyirah, Luthfiana Fatkhurrozi, Tanto Fausi, Ahmat Hasir Hikmah Muhaimin Hozinul Asror Iskandar Ritonga Iskandar Ritonga Jaudat Iqbal Harris Lilik Rahmawati Marchelia Putri, Sindy Muhammad Raihan Syamil Mursilah, Pembayun Nurhayati Purwanto, Andi Putri Rahayu, Alfina Selvina Adhani, Adinda Siska Arie Novita Ulil Absor Faiq Abdillah Umi Qurrotul Aini Walid In'am Ahmad Zidna, Rizka Rahmatllah