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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Al-Amwal Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Amwaluna Jurnal Ekonomi dan Keuangan Syariah El-Barka: Journal of Islamic Economics and Business Al Maal: Journal of Islamic Economics and Banking SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Jurnal Darma Agung Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Teknologi Informasi dan Komunikasi Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah VARIA HUKUM: Jurnal Forum Studi Hukum dan Kemasyarakatan El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Jurnal Iqtisaduna Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Journal of Management and Islamic Finance Jurnal Ekonomi Syariah dan Bisnis Jurnal Riset Ekonomi Syariah Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Bandung Conference Series : Sharia Economic Law Jurnal Penelitian dan Pengabdian Masyarakat Al'Adalah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Tijarah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Al-Insyiroh: Jurnal Studi Keislaman Amwaluna: Jurnal Ekonomi dan Keuangan Syariah IPSSJ Edumaspul: Jurnal Pendidikan BISNIS : Jurnal Bisnis dan Manajemen Islam
Udin Saripudin
Fakultas Syariah, Universitas Islam Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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The Rulings on Capital Return Guarantees in Mudhârabah (Profit Sharing) Contracts: A Comparative Study Between The AAOIFI Sharia Standards and The DSN-MUI Fatwas Agus Putra, Panji Adam; Saripudin, Udin; Nurrachmi, Intan
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 15 No. 1 (2023)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v1i1.30494

Abstract

Abstract. This study aims to identify and analyze the legal constructions of capital guarantees in the AAOIFI Sharia Standards and the DSN-MUI Fatwas. This is normative legal research with a specific comparative approach. This research shows that the rulings of the AAOIFI Sharia Standards are more reassuring and prioritize the principle of ihtiyāth (precaution). Meanwhile, the legal provision of the DSN-MUI fatwas, allowing the capital manager to guarantee a return on business capital, is a commitment in the form of tabarru from the fund manager. T he commitment should be fulfilled since it is a wa’ad mulzim (binding promise). T his legal provision of the DSN-MUI Fatwas is a form of innovative ijtihad that seems different from the opinions of most scholars used as the legal basis of the AAOIFI. However, the DSN-MUI’s fatwa is supported by various arguments and is more applicative. Abstrak. Penelitian ini bertujuan untuk mengetahui dan menganalisis konstruksi hukum jaminan modal dalam Standar Syariah AAOIFI dan Fatwa DSN MUI. Penelitian ini merupakan penelitian hukum normatif dengan pendekatan komparatif. Penelitian ini menunjukkan bahwa ketentuan Standar Syariah AAOIFI lebih tepat dan mengedepankan prinsip ihtiyāth (kehati-hatian). Sedangkan ketentuan hukum fatwa DSN-MUI yang memperbolehkan pengelola modal dengan jaminan pengembalian modal adalah komitmen dalam bentuk tabarru dalam pengelolaan dana. Komitmen tersebut harus dipenuhi karena merupakan wa’ad mulzim (janji mengikat). Ketentuan hukum Fatwa DSN MUI ini merupakan bentuk ijtihad inovatif yang nampaknya berbeda dengan pendapat kebanyakan ulama yang dijadikan landasan hukum AAOIFI. Namun, fatwa DSN-MUI didukung oleh berbagai argumentasi dan lebih aplikatif.
MEMAHAMI MEKANISME PASAR DALAM KONTEKS ISLAM Firmansyah, Andre; Andri Purnawan; Udin Saripudin
Integrative Perspectives of Social and Science Journal Vol. 2 No. 07 Desember (2025): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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

Abstract

This article aims to explain the nature of market mechanisms in Islamic economic thought and their current practice. A historical and philosophical approach is used in the analysis to examine the basic teachings of Islam on markets and to explore the ideas and insights of Islamic scholars on this subject. The article concludes that within the Islamic framework, market mechanisms have been considered a vital part of economic activity, such that their existence has been a primary concern of Islamic scholars. Market mechanisms that protect society with fair and just prices are also considered essential and necessary for a better life. This, in turn, implies the need to maintain market mechanisms, where market equilibrium occurs at the intersection of the supply and demand curves in a state of mutual consent. If anything disturbs this equilibrium, the government must intervene in the market.
Methods Of Basic Argument, Discussion, Question And Answer And Dialogue According To The Quran Saripudin Saripudin; Dudung Ali Nurdin; Yayan Yayan; Titin Karlina; Mastuhi Mastuhi
Edumaspul: Jurnal Pendidikan Vol 6 No 2 (2022): Edumaspul: Jurnal Pendidikan
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33487/edumaspul.v6i2.5243

Abstract

The purpose of this research is to elaborate on the basic methods of arguing, discussion, debriefing, and dialogue in the Qur'an as important methods in Islamic education. The research method used was library research; data were collected through observation and documentation and analyzed based on qualitative analysis. The results of the study show that the values of Islamic education are found in Surah Al-Anbiya verses 51–56: that Allah has provided very clear instructions for humanity and that humans need to be careful in using human potential, especially the eyes, ears, and heart/mind. In the context of gaining knowledge, it must be used as much as possible, in addition to the obligation to fulfill scientific mandates. The knowledge obtained is not a suggestion of arrogance but a means of doing good deeds. The values of Islamic education in the story of Prophet Ibrahim, as found in Surah Al-Anbiyâ verses 51-72, include: (1) Aqidah values; (2) Ukhuwah/hablunminannas values; and (3) Tawhid values.The morals demonstrated in Prophet Ibrahim's story are noble morals, both in dealing with his disbelieving father and his infidel people.(3) The educational value of thinking and discussing, as Prophet Ibrahim AS did in conveying the truth and correcting the mistakes of his people in worship by means of dialogue using logic and not in a selfish and fanatical way, (4) The value of education is gentle and argumentative, without violence. Prophet Ibrahim put forward da'wah arguments to invite his father and people to the truth.
Pengaruh Literasi Keuangan Syariah Terhadap Preferensi Pengusaha Muslim dalam Memilih Bank Syariah: Studi Kasus di Himpunan Pengusaha Persatuan Islam Ridwan Ibnu Asikin; Udin Saripudin; Iwan Permana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i10.9790

Abstract

The presence of Islamic banks amidst conventional banking is an alternative banking system solution for Muslims in Indonesia who need or want to obtain banking services without having to violate the principles of Islamic law. Law No. 10 of 1998 concerning banking, this law aims to be nationally comprehensive. The government reissued Law No. 21 of 2008 concerning Islamic banking in detail defining and understanding Islamic banks specifically in Indonesia, regulating institutions, units, Islamic business activities, as well as the methods and processes for implementing Islamic bank business activities and Islamic business units. The purpose of this study is to analyze the level of Islamic financial literacy, analyze the preferences of Muslim entrepreneurs in choosing Islamic banks, and analyze the influence of Islamic financial literacy on the preferences of Muslim entrepreneurs in choosing Islamic banks in the Association of Islamic Entrepreneurs. The research method used is a quantitative method with a descriptive approach and verification of simple linear regression analysis, the sample used is all members of the Association of Islamic Entrepreneurs (HIPPI) as many as 100 respondents. This study concludes that the increase in Islamic financial literacy Based on the results of the study there is a very strong relationship between the financial literacy variable and the preferences of Muslim entrepreneurs, From the R Square value it is known that it is 0.699 or 69.9%. So it can be said that the Islamic Financial Literacy variable has an influence on the preferences of HIPPI Muslim entrepreneurs in choosing Islamic banks by 69.9% while the remaining 30.1% is influenced by other variables not included in this study.
SISTEM TANGGUNG RENTENG DALAM PERSPEKTIF EKONOMI ISLAM (Studi kasus di UPK Gerbang Emas Bandung) Saripudin, Udin
IQTISHADIA Vol 6, No 2 (2013): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v6i2.1101

Abstract

Tulisan  ini mengkaji   tentang   sistem  tanggung  renteng  yang diterapkan  dalam  program PNPM dalam  perspektif ekonomi Islam. Data diperoleh dengan  observasi dan wawancara untuk selanjutnya dianalisis dengan menggunakan metode trianggulasi. Hasil  analisis  menunjukkan bahwa sebagai  makhluk   sosial, pinjaman dan tabungan adalah sebuah aktivitas yang sering terjadi diantara manusia, keduanya, individu dan kelompok-kelompok. Berbagai  bentuk pembayaran kredit dibuat, termasuk tanggung renteng  juga  diterapkan   dalam   UEP-SPP   PNPM program. Dalam sebuah sistem “tanggung renteng”, yang terlihat jelas menggambarkan   sikap   saling  membantu dan persaudaraan. Dengan demikian  sistem ini sesuai dengan prinsip ekonomi Islam. Kata Kunci: Renteng , Ekonomi,  ProgamJOINT   RESPONSIBILITY IN  THE  PERSPECTIVE OF ISLAMIC ECONOMIC (Case  Study in UPK Gerbang Emas Bandung).  This  study  explores about tanggung-renteng  (joint responsibility)  system applied  in PNPM program from Islamic economic  perspective.  Data were  collected through  observation and interview and then analyzed in triangulation method. Result shows that as social beings, saving and lending are social activities common among the community  both individually  and socially. In UEP-SPP of PNPM  program, tanggung renteng is one of payment method applied.  This  method is  in accordance  with Islamic economic concepts of help each other and brotherhood.Keywords: Joint, Economy, Program
FILANTROPI ISLAM DAN PEMBERDAYAAN EKONOMI Saripudin, Udin
BISNIS Vol 4, No 2 (2016): BiSNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v4i2.2697

Abstract

Poverty is an interesting theme discussed especially among social scientists. Before getting to know scientific studies on the issue of poverty, the community has been running a tradition to respond to the problems of poverty in the form of giving. The "give" in its various forms is not limited in the form of money orgoods but also the work or efforts to ease the burden on the poor and improve their well-being referred to as philanthropy. With descriptive methods this paper seeks explain and explore how the link between philanthropy Islam (zakat, donation and charity) and poverty reduction that occurs in a country, so therole of zakat, donation and charity as an instrument of distributive justice can be felt by the poor.
Implementasi Murabahah bil Wakalah Program Pembiayaan Syariah di Bank Syariah dan Dampaknya pada Kesejahteraan Masyarakat Alia Nur Veranti; Udin Saripudin
Jurnal Riset Ekonomi Syariah Volume 6, No. 1, Juli 2026 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v6i1.10254

Abstract

Abstract. This study aims to examine the implementation of Murabahah bil Wakalah contact in the Tepat Pembiayaan Syariah program at Bank X Syariah Dramaga branch, and its impact on community welfare. The research is motivated by the importance of applying sharia principles in financial institutions to avoid usury practices, as well as Bank X Syariah’s commitment to empowering productive underprivileged customers. This research uses a qualitative method with data collected through interviews, observations, and documentation. The findings indicate that the Murabahah bil Wakalah contract has been implemented in accordance with sharia principles and applicable regulations. The Tepat Pembiayaan Syariah program has proven to improve community welfare, as reflected in increased income, higher school participation among children aged 6-18 years, changes in consumption patterns through increased refrigator ownship, and a rise in participants owning motor vehicles. In conclusion, the implementation of the Murabahah bil Wakalah contract not only complies with sharia principles but also makes a tangible contribution to improving the quality of life of the community. Abstrak. Penelitian ini bertujuan mengetahui implementasi akad Murabahah bil Wakalah dalam program Tepat Pembiayaan Syariah di Bank X Syariah cabang Dramaga serta dampaknya terhadap kesejahteraan masyarakat. Latar belakang penelitian ini didasari oleh pentingnya penerapan prinsip syariah dalam lembaga keuangan untuk menghindari praktik riba, serta komitmen Bank X Syariah dalam memberdayakan nasabah prasejahtera produktif. Metode penelitian yang digunakan adalah kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa akad Murabahah bil Wakalah telah diterapkan sesuai prinsip syariah dan ketentuan yang berlaku. Program Tepat Pembiayaan Syariah terbukti meningkatkan kesejahteraan masyarakat, yang tercemin dari peningkatan pendapatan, partisipasi anak usia sekolah 6-18 tahun, perubahan pola konsumsi melalui peningkatan kepemilikan lemari es, serta bertambahnya peserta program yang memiliki kendaraan bermotor. Kesimpulannya, implementasi akad Murabahah bil Wakalah tidak hanya sesuai prinsip syariah, tetapi juga memberikan kontribusi nyata terhadap peningkatan kualitas hidup masyarakat.
HALAL COSMETICS IN THE EYES OF MILLENNIAL MUSLIMS: FACTOR ANALYSIS OF HALAL LABELS AND CELEBRITY ENDORSERS Juliana Juliana; Aliya Nabila Azzahra; Rida Rosida; A. Jajang W. Mahri; Indra Fajar Alamsyah; Udin Saripudin
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 8 No. 2 (2022): JULY - DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v8i2.40598

Abstract

This research aims to show the effect of the value of the halal label and celebrity endorser on purchasing decisions for halal cosmetic products with religiosity as a moderating variable. The method uses descriptive quantitative by analyzing the responses to questionnaires distributed to 228 respondents in Indonesia. Based on previous research, four hypotheses were built, and the collected data were processed using a path analysis tool through the Smart PLS 3.3.3 application. The results showed that the halal label variable and celebrity endorser significantly affected purchasing decisions for halal cosmetic products, with religiosity as a moderating variable. Meanwhile, the religiosity variable does not moderate the effect of the halal label and celebrity endorser on the decision to purchase halal cosmetic products. This finding confirms that religiosity has not sufficiently strengthened the influence of the halal label and celebrity endorser on the decision to purchase halal cosmetic products. In order to increase knowledge of Muslim halal in purchasing decisions for halal cosmetic products, the role of halal guarantee institutions and cosmetic manufacturers is needed in optimizing halal certification both from the content and production process. Business actors must increase awareness of the halalness of a product that can convince and encourage Muslim consumers, especially the millennial generation, to make decisions to purchase halal cosmetic products in Indonesia. This study is the first to examine the halal label and celebrity endorser on the decision to purchase halal cosmetic products with religiosity as a moderating variable and reveal its strength and weakness.
THE READINESS OF HUMAN RESOURCES IN THE IMPLEMENTATION OF THE MERAH PUTIH VILLAGE COOPERATIVE Ferdian Franata; Udin Saripudin; Iwan Permana
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol. 6 No. 2 (2026): July (El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

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Abstract

This study aims to analyze the readiness of Islamic human resources in the implementation of the Village/Urban Village Red and White Cooperative as an agenda for strengthening village economic institutions in Indonesia. This research applies a qualitative approach through literature review and document analysis of regulations, government publications, open-access scientific articles, and Islamic human resource management references. The findings show that the success of the Red and White Village Cooperative is not only determined by legal establishment and business facilities, but also by the readiness of the human resources who manage the cooperative. Such readiness includes technical competence, managerial capability, digital literacy, integrity, understanding of cooperative principles, and internalization of Islamic values such as trustworthiness, justice, competence, excellence, and public benefit. This article proposes a conceptual model for strengthening Islamic human resource management in the Red and White Village Cooperative, consisting of human resource planning, merit-based recruitment and selection, continuous training and mentoring, fair performance and compensation management, and digital participatory governance. The study recommends that the implementation of the Red and White Village Cooperative should not merely pursue quantitative targets, but also strengthen the quality of managers, supervision mechanisms, and member participation
Government Spending and Poverty in Indonesia: A Panel Data Analysis form an Islamic Fiscal Perspective Aang Kusmawan; Udin Saripudin; Budiman; Muhammad Hasanudin
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 10 No. 2 (2026): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v10i2.7379

Abstract

During the 2019–2023 period, government spending related to poverty alleviation in Indonesia increased consistently. However, the number of people living in poverty actually increased during the same period. This condition indicates an ambiguous relationship between the increase in government spending and poverty reduction efforts. From Ibn Khaldun’s perspective, poverty is influenced by the interaction among Government Spending (G), Human or Community Resources (N), Sharia (S), Development (g), and Justice (j). Based on this framework, this study aims to analyze the effects of government spending on social protection, infrastructure, education, health, and village funds on the number of people living in poverty in Indonesia. This study employs panel data covering the 2019–2023 period across 416 districts in Indonesia. Poverty data were obtained from Central Bureau of Statistics (BPS), while government spending data were obtained from the Ministry of Finance. The analysis was conducted using multiple linear regression with a panel data approach. The results show that government spending has a significant impact on poverty, with different coefficients for each variable. Government spending on social protection and infrastructure has negative coefficients, while government spending on education, health, and village funds has positive coefficients. These findings indicate that Ibn Khaldun’s dynamic model can explain the effects of government expenditure on poverty. Nevertheless, the application of Ibn Khaldun’s model in an empirical context still faces various challenges that require further development and investigation by future researchers.
Co-Authors A. Jajang W. Mahri Aang Kusmawan Agus Prakarsa Yuristama Agus Prakarsa Yuristama Alamsyah, Indra Fajar Alia Nur Veranti Aliya Nabila Azzahra Allika Rafaldini Andi Fika Widuri Andri Purnawan Anshori, Arif Rijal Aprianti, Lita Dewi Arky Nafisa Beladiena Bayu Agnia Np Beladiena, Arky Nafisa Billah, Muwwahid Budiman Cecep Kusmana Dadang Komara Deden Gandana Madjakusumah Dhanisa Leryan Dhea Andini Nathania Diajeng Ayunda Candra Kirana Didjaya Prawinata, Raden Bhatara Dudung Ali Nurdin Elan Jaelani, Elan Faisal, Farid Fatriany, Fenny Fenny Fatriany Ferdian Franata Firmansyah, Andre Fitri Kurnia Dewi, Fitri Kurnia Hafid Hudzaefi Handri Handri Handri, Handri Hery Widijanto Hoerurohman, Aditya Ihwanudin , Nandang iil waludi Ilham, Muhammad Satriana Ilham, Satria Intan Nurrachmi Intan Puspita Isti Khairani Iwan Permana Iwan Permana Iwan Permana Juliana Juliana Karamy, Nabiel Khairani, Isti Lina Nugrawati Hatlessy Liza Dzulhijjah M Munir Asrori Mahyar - Mahyar Mastuhi Mauladi, Mochammad Syukria Maulana, Ruly Maulida, Ira Siti Rohmah Meiki Muttaqien Milleni Sumalati Mita Qurrota Ayunin Mochamad Afif Zacharias Masyhur Mohammad Wildan Alghifari Zain Muhamad Ikhsan Gunawan Mubarok Muhammad Daffa Naufaldi Muhammad Hasanudin Muhammad Rafif Mustapa, Hasan Muttaqien, Meiki Nabiel Karamy Nabiel karamy Nandang Ihwanudin Nanik Eprianti Neneng Hasanah Neng Dewi Himayasari Neng Dewi Himayasari Nunung Nurhayati NUR EFENDI Nurhasanah Nurhasanah Nurlaeli, Suci Nuzula, Zia Firdaus Panji Adam Agus Putra Purwoko, Agus Raden Bhatara Didjaya Prawirawinata Rahmi Khaerani Agustinah Redi Hadiyanto Rida Rosida Ridwan Ibnu Asikin Ridwan, Ridwan Rozalina, Rozalina Rozalina Sari, Delvita Sina Lailatus Shafa Siti Asiyah Nur Arifah Siti Nurul Huda Suci Nurlaeli Suryani , Suryani Suryani Suryani Suryani Suryani Suryani Suryani Syifa nurfadhilah Syifa Syifa Nurulia Syifa Rahmalia Ridwani Titin Karlina Widuri, Andi Fika Yayan Yayan Yayat Rahmat Hidayat Yuristama, Agus Prakarsa Yusup, Akhmad Zia Firdaus Nuzula Zilan Fauzi Rahman