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Distribusi dalam Perspektif Muhammad Baqir Al-Sadr Zakariya, Novie Andriani; Arifin, Sirajul
EQUILIBRIUM Vol 8, No 1 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i1.6870

Abstract

This study aims to know the Muhammad Baqir Al-Sadr ideas about the distribution and analyze the relevance of Baqir Al-Sadr's thinking in the current economic context. This literary research is classified as a study of figures who studies Baqir Al-Sadr's thoughts on the concept of distribution. This study found that Baqir Al-Sadr's thoughts contradict with other capitalist thoughts. Conventional economic thinkers argue that economic problems arise due to resource scarcity, but Baqir Al-Sadr believes that economic problems arise due to unequal distribution. Fairness of distribution in the context of zakah is very relevant. The relevance of wealth distribution is the practice of the zakah system through BAZ and LAZ. They cannot play a maximal role in changing the position of mustahiq-muzakki if the state is not present. The presence of the state has an important role in creating and maintaining social justice. Baqir Al-Sadr's thoughts are written in the monumental work of Iqtisaduna which discusses the theory of production and distribution.
EKONOMI LUMBUNG DAN KONSTRUKSI KEBERDAYAAN PETANI MUSLIM MADIUN Arifin, Sirajul; Izzuddin, Muhammad Andik
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 10, No 1 (2016)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v10i1.187-212

Abstract

Muslim farmers of Luworo Madiun often suffer from the hegemony of ijon (debtbondage) system. The system which exploits and weakens the farmers can no longer be tolerated, but should be responded through the construction of lumbung (barn; place for rice storage). The lumbung which is constructed next to mosque can become an important asset for creating food security and solving the economic problems of the farmers. However, lumbung asset will not survive or develop if not supported by other assets. The mosque, market, agricultural area, and society itself all are important assets developed by the farmers of Luworo to strengthen the survival and development of lumbung asset. The lumbung then has power not only to build food security but also to strengthen the economic capacity of society. This economic power is developed through the construction of lumbung which gives equal rights to all members, in contrast to the unjust and exploitative ijon system.
SINERGITAS LEMBAGA KEUANGAN SYARIAH DALAM MENUMBUHKAN EKONOMI MASYARAKAT SURABAYA: Studi Kasus Relasi Ekonomi BNI Syariah, Lembaga Zakat dan Badan Wakaf di Surabaya Maulidiyah, Putri; Arifin, Sirajul
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 2 (2017): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menjawab dua pertanyaan, yaitu: bagaimana membangun hubungan sinergitas antara BNI Syariah, lembaga zakat dan badan wakaf di Surabaya, dan bagaimana hubungan sinergitas antara BNI Syariah, lembaga zakat dan badan wakaf di Surabaya dalam meningkatkan ekonomi masyarakat surabaya. Penelitian ini ini merupakan penelitian kualitatif dengan pendekatan studi kasus relasi ekonomi, teknik pengumpulan data melalui observasi, wawancara dan dokumentasi. Data yang telah terkumpul dianalisa secara deskriptif kualitatif dengan pola induktif. Penelitian menunjukkan bahwa pertama, hubungan sinergitas antara BNI Syariah dan RZ terkait sektor zakat dan wakaf tertuang melalui perjanjian tertulis dalam bentuk nota kesepahaman atau MoU dan dituangkan dalam bentuk produk dan layanan, kedua, hubungan keagenan tersebut memberikan dampak optimis bagi masyarakat golongan menengah ke bawah atau mustahik atau penerima manfaat wakaf. Berbagai upaya dikhtiarkan sehingga membuahkan hasil positif dan optimis yaitu menghasilkan wirausaha mandiri dan berevolusi menjadi muzakki.
The Debt Status of Commercial Company under Gharimin Perspective Hardi, Eja Armaz; Arifin, Sirajul; Djamaluddin, Burhan
Shirkah: Journal of Economics and Business Vol 6, No 1 (2021)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (525.996 KB) | DOI: 10.22515/shirkah.v6i1.388

Abstract

Currently, commercial entity companies are not regarded yet as one of the groups that receive the zakat. This paper examines the debt status and its micro and macro-economic implications of corporations that experienced the debt shackled in the zakat system through analogy on personal gharim (person in the burden debt). The analysis presented here has been designed on a library research, an analogy method, as well as seen from a debt trap theory. This paper particularly argues that in the twist condition of enterprises to repay their debt, a commercial company may be entitled as the recipient of zakat on behalf of gharim (the fifth group who receives the zakat). It further argues that the loan of the commercial company has a larger impact than individual gharim. Synchronizing the entity companies as “syakhsun i’tibariyun” (the legal person) to the personal obligation to pay zakat is matched to be the reasons for their gharim’s status. The results of this paper contribute to expanding the recipient of zakat on behalf of gharim and enhance the insight of zakat distribution in Islamic philanthropy institutions.
THE ADVANTAGES AND CHALLENGES OF IMPLEMENTING SUKUK THROUGH BLOCKCHAIN TECHNOLOGY Iman, Aldi Khusmufa Nur; Arifin, Sirajul
An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 2 (2021): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v8i2.4665

Abstract

Financial instruments must be able to adapt quickly in the 4.0 era. One of the Islamic financial innovations highlighted at this time is the application of blockchain technology-based sukuk. This study aims to determine specifically the advantages of applying sukuk through blockchain technology and to scale the point of view regarding the challenges faced in applying sukuk through blockchain technology. This research uses a qualitative approach. The data collection technique used is literature study by collecting data from previous studies in the form of documentation of articles, journals or books as well as publication data from other parties. The data analysis techniques used were data reduction, data presentation, and conclusion drawing. The results show that sukuk can get many benefits from blockchain technology. Although blockchain has its advantages, there are risks and challenges that need to be resolved. In responding to this challenge, it is necessary to have a harmonious synergy among all stakeholders, from Syari'ah scholars, academics, to regulators and industry
Litigasi Hybrid Contract Gadai pada Lembaga Keuangan Syariah Sirajul Arifin
Islamica: Jurnal Studi Keislaman Vol. 12 No. 2 (2018): Maret
Publisher : Postgraduate Studies of Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (445.024 KB) | DOI: 10.15642/islamica.2018.12.2.405-429

Abstract

The article examines the hybrid contract that is still debated although the contract has framed pawn products in Islamic financial institutions. The pawn system which has been regulated by the DSN-MUI, however, still leaves a problem. The problem arises because the mortgage system is a combination system of several contracts that require collateral. Collateral is used to build bank trust and the customer’s responsibility that the customer will return the loan in accordance with the contract. The used contracts are the loan, mortgage and lease agreements. If the financing in the mortgage system is default, the collateral item becomes the compensation for the repayment of the remaining debt of the customer. Pawn systems that require sublimation of several contracts in pawn products still become a subject of criticism. Hadiths about the prohibition of bay‘ and salaf, prohibitions requiring additional debt, and the prohibition of charging fees for collateral are those that criticize and are not aware of pawn hybrid contract. Even though the pawn hybrid contract is still criticized, the demand for contemporary transactions in sharia financial institutions cannot be ignored, even its presence is a necessity as long as it does not violate sharia norms and values.
The Legality Of Zakat Blockchain In Indonesia: In the Perspective of Islamic Law and Indonesian Positive Law Ayu Rahayu Nurhalizah; Sirajul Arifin; Aldi Khusmufa Nur Iman
LAA MAISYIR: Jurnal Ekonomi Islam VOL 8, NO 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v8i2.22260

Abstract

The amount of zakat funds that must be distributed to mustahiq as well as demands for a guaranteed security system in zakat management become the main focus to attain the goal of zakat management; that is to improve the effectiveness and efficiency of services. Therefore, to attend this goal, blockchain technology is created, which is a digital data storage system consisting of multiservers. This current study explains the legality and validity of zakat blockchain in Indonesia. In collecting data, qualitative approach was employed established in the form of literature review. The techniques of data analysis used were data reduction, data presentation, data triangulation, verification and conclusion of the obtained data. The results indicate that blockchain technology for zakat management is permissible to be used as long as it is not against the Shari’a principles and does not cause mafsadah (harm) or negative consequences. However, regulation that specifies the technology of zakat blockchain in Indonesia is not issued yet, and also some obstacles in its application are still found due to the regions of Indonesian have conditions that are different from one another.
MUSYÂRAKAH: ANTARA FIKIH DAN PERBANKAN SYARIAH Sirajul Arifin
MIQOT: Jurnal Ilmu-ilmu Keislaman Vol 36, No 1 (2012)
Publisher : State Islamic University North Sumatra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/miqot.v36i1.109

Abstract

Abstrak: Musyârakah merupakan salah satu model profit and lost-sharing (PLS) yang kehadirannya dalam bank syari‘ah paralel dengan Islam. Musyârakah dalam praktik perbankan syariah tidak dikonstruk melalui fikih an sich, tetapi telah diadaptasikan dengan situasi dan kondisi riil yang didasarkan pada fikih lokal kekinian, KHI atau fatwa MUI. Dalam fikih klasik, ulama sepakat bahwa jaminan, misalnya, tidak perlu mewujud dalam kontrak musyârakah, karena mitra adalah orang yang dipercaya, dan atas dasar “kepercayaan” ini, maka mitra yang satu tidak dapat menuntut jaminan dari mitra yang lain. Namun fikih lokal memberikan kelonggaran kepada bank syariah mensyaratkan mitranya untuk memberikan jaminan guna mereduksi risiko dalam pembiayaan musyârakah.Abstract: Musyârakah: Between fiqh and Syariah banking. Musyârakah is one of the profit and lost-sharing (PLS) models which is parallel with Islamic bank concept. At the practical level of syariah banking, musyârakah is not purely legal construction but it is a social adaptation to the real circumstances which are based on contemporary local fiqh (Islamic law). Classical fiqh does not require the guarantee to be embodied in a musyârakah contract, because the partner is a trustworthy person. Moreover, on the basis of trust, one partner cannot require a guarantee from the other party. Otherwise, local fiqh gives concessions to Islamic bank, i.e., it requires partners to provide assurance in order to reduce risk in the musyârakah financing.Kata Kunci: musyârakah, bagi hasil, fikih muamalah, bank syari‘ah
SONGKET SUBHANALE WEAVING PRODUCTIVITY IN FORMING THE ECONOMIC INDEPENDENCE OF SASAK WOMEN Baiq El Badriati; Nur Syam; Sirajul Arifin
istinbath Vol 20 No 2 (2021): Desember 2021
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v20i2.385

Abstract

Research on the productivity of Songket Subhanale weaving in forming Sasak women’s Economic Independence was carried out because of the researchers’ interest in the reality of weaving culture in Sukarara, Central Lombok. Sukarara Village is one of the villages that is still sustainable in carrying out the authentic traditions of Sasak culture. One of them is the culture of weaving in the Sasak term “nyesek” which is done manually by hand and simple tools but has economic value and the output has a high selling potential. The above reality is scientifically studied through qualitative research with an ethnographic approach to obtain definite and academically accountable answers. Qualitative ethnographic research provides an opportunity to examine holistically and specifically, related to the behavior, attitudes and characters inherent in the weavers in their daily activities. The findings in this study refer to two things as formulated in the research problem formulation, namely: 1) The productivity of Muslim songket weavers in Sukarara in carrying out their profession as songket weavers, they are very productive, this is illustrated through several indicators, namely: increased results achieved, ability doing the job, morale, self-development, quality / quality, efficiency, and effectiveness. 2) The implications of work ethic and productivity on the economic independence of Muslim songket weavers in Sukarara have been realized through several indicators, namely: working capitalists, breadwinners/family breadwinners, having confidence in business, able to manage finances, mentally prepared for financial disturbances, creative and initiative , and partners/husbands in synergy by prioritizing mutual respect between each other and having a commitment to complement each other.
Gharar dan Risiko dalam Transaksi Keuangan Sirajul Arifin
TSAQAFAH Vol 6, No 2 (2010)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (334.706 KB) | DOI: 10.21111/tsaqafah.v6i2.123

Abstract

Business transactions are not always valid and often having wrong appearance. Gharar which tends to reflect uncertainty and construct injustice is categorized as invalid transaction. When the gain is uncertain and profit or lose are biased for one party side, the risk is appearing. Each transaction containing win-lose element, win in one side and lose in another side, is invalid and leads to haram consumption. In the financial transaction, the existence of gharar and risk is mainly caused by imperfect information (jahalah), of course there are other factors, in this regard, gambling element becomes a genuine characteristic in that transaction. This gambling element is very potential to create risk for all parties in the transaction. Indeed, risk is definitely unavoidable but it can be managed and controlled. As the result, risk management is an important way to control and reduce any possible risk.