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All Journal Al-Ulum El-Mashlahah Rahmatan Lil Alamin: Journal of Peace Education and Islamic Studies Referensi Islamika: Jurnal Studi Islam
Desmadi Saharuddin
UIN Syarif Hidayatullah Jakarta
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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TA’LIM SALAM AL ISLAMY KHILAL AL MADDAH AL ARABIYAH LIL AGHRADH AL KHOSHOH FI MAJAL AL IQTISHODIY LIL MARHALAH AL JAMI’IYAH Desmadi Saharuddin; Meirison Meirison; Nuril Mufidah
RAHMATAN LIL ALAMIN: JOURNAL OF PEACE EDUCATION AND ISLAMIC STUDIES Vol. 1 No. 2 (2018): Islam Rahmatan lil Alamnin
Publisher : Universitas Islam Raden Rahmat Malang

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Abstract

This study aims to prepare the Arabic study material for special purposes in the field of economics for the undergraduate stage. This is because of the lack of a source and the proper book in this area in Indonesia. The researchers presented a particular paper in the economic field of the university model. With regard to necessary of terrorism in the country of Indonesia, this book shows this presentation, the financial aspects of the phenomenon of terrorism, through the relationship of terrorism to the economy, and the definition of economic reasons leading to it, and clarify the economic implications and the mechanisms to discuss it from the perspective of the Islāmic economy. Of terrorism causes, and economic justifications which often cause an imbalance in the state budget and confusion in financial and investment transactions and occur underdevelopment
Prinsip-prinsip Hukum Kelalaian Sebagai Penyebab Ganti Rugi dalam Hukum Ekonomi Syariah di Indonesia Asyari Hasan; Alimin Alimin; Rizal Fahlefi; Desmadi Saharuddin
Al-Ulum Vol. 19 No. 1 (2019): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1718.627 KB) | DOI: 10.30603/au.v19i1.722

Abstract

This study discusses what are the concepts of legal principles of negligence as a cause of compensation contained in the positive Indonesian Islamic economic law concerning the implementation of contracts for Islamic financial institutions that are studied in a qualitative-normative exploratory manner. This study indicates that there are six legal principles of negligence as a cause of compensation in the positive law of Indonesian sharia economy, namely: 1) carried out with careful consideration, 2) carried out appropriately, 3) carried out carefully, 4) business activities may not exceed permitted limits, 5) business activities must be in line with the provisions stipulated in the contract (not violating the agreement), and 6) negligence classified as intentional negligence and accidental negligence. While the legal principles of negligence contained in conventional law are currently more complete (11 principles of negligence) than those contained in the positive law of sharia economy (only 6 principles)
The Dynamics of Islamic Jurisprudence in The Eyes of Contemporary Muslims Meirison Meirison; Desmadi Saharuddin; Husnul Fatarib
El-Mashlahah Vol 12, No 1 (2022)
Publisher : Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/elma.v12i1.3939

Abstract

The emergence of sects and their diversity in Islam is caused by the differences in thought and visions of those who follow these sects. When the differences between the followers of these sects is limited to a mere difference of views on this or jurisprudential issue, it is a disagreement or an acceptable difference. Because there is more than one opinion on one jurisprudential issue, so whoever works with this opinion on the issue, his action is permissible. And, whoever works on the same issue with another thought, his movement is also acceptable, and this is from the capacity of Islam and its mercy to the nation. By examining several books related to the views of the ulama on the schools of thought, it has opened the way for us to verify. The article carried out a descriptive analysis approach and a comparative study of the opinions of scholars in different schools of thought and the fatwas issued by our official fatwa institutions. The article find the fanaticism of the sects is one of the causes of the nation's weakness. So, its unity was torn, and its humiliation intensified for the people. And that, they agree on what they agreed upon of the fixed principles, although various problems arise from time to time.  
MAPPING SHARIA GOVERNANCE MATURITY IN INDONESIAN GENERAL TAKAFUL: AN ACTOR-NETWORK THEORY ANALYSIS OF FOUR CASES R. Melda Maesarach; Euis Amalia; Desmadi Saharuddin; Suhendra
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 1 (2026): FEBRUARY
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i1.751

Abstract

Indonesia's general takaful industry faces intensifying regulatory pressure the UU 40/2014 spin-off mandate and POJK 20 and 23/2023 capital requirements yet sharia governance maturity remains uneven across firms. This study addresses the absence of an empirical, network-based account of how governance matures across companies with different ownership structures. A qualitative multiple case study examined four full-fledged general takaful firms representing distinct ownership structures (state-owned, regional state-owned, private national, and joint venture). Nine in-depth interviews with directors, Sharia Supervisory Board (DPS) members, and senior managers were analysed using Braun and Clarke's (2006) thematic analysis integrated with Callon's (1986) four moments of translation. Maturity was scored on a five-point Likert scale across nine SGM constituents and aggregated via the Corporate Governance Maturity Index formula (Imat) of Vidal et al. (2012), with scores triangulated against annual reports, governance reports, DPS reports, and audit reports for 2019–2024. NVivo 14 supported the coding. Six cross-case themes emerged from the four cases studied. The industry-aggregate Imat reached 2.0022, situating the sample at Level 3 (Regulated/ Normalized), but three of four firms individually remained at Level 2. Within this sample the SGM network appears semi-stable with partial translation: problematisation reaches compliance but not maturity; interessement succeeds for compliance but is limited for maturity; the DPS tends to function as a constrained obligatory passage point; and certified sharia auditors, formal sharia audit frameworks, and sharia IT monitoring systems are absent across the four firms studied—missing actors that, in this sample, fragment the network. The private national pioneer (PT. C) recorded the highest maturity, inverting the institutional-pressure expectation that BUMN status would yield the highest score. Findings are bounded by the four-firm scope and Indonesia's regulatory context; transferability to life takaful or to sharia units yet to complete spin-off is not claimed. Implications include the need for a maturity-based regulatory instrument, DPS competence reforms integrating business and finance expertise, a formal sharia audit framework, and standardised sharia IT monitoring mechanisms. This is the first study to integrate Actor-Network Theory with sharia governance in Indonesian takaful and to operationalise SGM as a nine-constituent extension of Corporate Governance Maturity, contributing both methodologically and conceptually to Islamic finance scholarship.
Co-Authors Alimin Alimin Asyari Hasan Euis Amalia Fahlefi, Rizal Husnul Fatarib Junizar Suratman Meirison Meirison Nuril Mufidah R. Melda Maesarach Suhendra