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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Jurnal Ternak Tropika Dinar: Jurnal Ekonomi dan Keuangan Islam Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Al-Daulah : Jurnal Hukum dan Perundangan Islam qolamuna : Jurnal studi islam al-Afkar, Journal For Islamic Studies Jurnal Istiqro' Al-Jinayah: Jurnal Hukum Pidana Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Islamic Review : Jurnal Riset dan Kajian Keislaman Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam EKUITAS (Jurnal Ekonomi dan Keuangan) Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Ulumuna: Jurnal Studi Keislaman Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Akademika Management of Zakat and Waqf Journal (MAZAWA)) Mabny : Journal of Sharia Management and Business Mukaddimah: Jurnal Studi Islam Maliyah : Jurnal Hukum Bisnis Islam Al Hikmah : Jurnal Studi Keislaman Banco: Jurnal Manajemen dan Perbankan Syariah Kawanua International Journal of Multicultural Studies ADILLA: Jurnal Ilmiah Ekonomi Syari'ah SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Inspirasi: Jurnal Pengabdian Masyarakat Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Islamic Micro Finance Journal International Journal of Economics, Accounting, and Management Journal of Ekonomics, Finance, and Management Studies Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis International Journal of Economics and Management Research Jurnal Manajemen, Bisnis dan Kewirausahaan
Mugiyati
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts 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 Other

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Hak Pemanfaatan Sumber Daya Alam Perspektif ‎Hukum Islam Mugiyati Mugiyati
Al-Jinayah: Jurnal Hukum Pidana Islam Vol. 2 No. 2 (2016): Desember 2016
Publisher : Prodi Hukum Pidana Islam Fakultas Syari’ah dan Hukum Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (705.11 KB) | DOI: 10.15642/aj.2016.2.2.440-471

Abstract

Abstract: Islam gives freedom to people to utilize the public natural resources, because everyone has the irtifâq right namely to use immovable good, whether it belongs to an individual or public property. Common ownership is allowed in Islamic law if an object which is intended and used for the public. The principle of freedom granted by Islam for the right holders to use is not without limit, but constrained by accountability and adherence to sharia. The right holders in using theirs’ is to be in line with the principle of maqâshid al-syarî’ah. On the basis of this principle, they are prohibited to use their rights in excess which lead to infringement and damages to the interests of the others as well as the rights and interests of the general public. Of course, this can be jailed (ta’zîr) by the judge.Keywords: Right holder, natural resources, Islamic law. Abstrak: Islam memberikan kebebasan kepada manusia untuk memanfaatkan sumber daya alam yang bersifat publik, karena setiap orang memiliki hak irtifâq yaitu hak pemanfaatan benda tidak bergerak, baik benda itu milik individu atau milik umum”. Kepemilikan umum dimungkinkan dalam hukum Islam jika suatu benda pemanfaatannya diperuntukan bagi masyarakat umum yang mana masing-masing saling membutuhkan. Prinsip kebebasan yang diberikan Islam bagi pemilik hak untuk mempergunakan haknya bukanlah bebas tanpa batas, namun dibatasi oleh pertanggungjawaban dan kepatuhan pada syariah. Pemegang hak dalam menggunakan haknya harus sejalan dengan maqâshid al-syarî’ah. Atas dasar prinsip ini pemilik hak dilarang mempergunakan haknya secara berlebihan yang menimbulkan pelanggaran hak dan kerugian terhadap kepentingan orang lain maupun terhadap hak dan kepentingan masyarakat umum dan dapat dikenai hukuman penjara (ta’zîr) oleh hakim.Kata Kunci: Hak pemanfaatan, sumber daya alam, hukum Islam.
POLA PENETAPAN HARGA DALAM PEMBIAYAAN MURABAHAH DI BANK SYARI’AH (Analisis Managemen Keuangan Islam) Mugiyati Mugiyati
Al Hikmah: Jurnal Studi Keislaman Vol. 3 No. 1 (2013): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (316.945 KB) | DOI: 10.36835/hjsk.v3i1.369

Abstract

Financing is one of the bank's main tasks, namely providing facilities for the provision of funds to meet the needs of those who are deficit units. According to the nature of its use of financing, among others, can be divided into two, namely: for the purposes of production and consumption. In the conventional banks, the principle financing system in savings and loan. Banks lend money in return for interest. On Shariah banks as non-interest-based bank financing for the production and inventory financing needs do be done with principle of trading in two stages. First; banks hold (buy from suppliers in cash) the goods that is needed by customers. Second, the bank sold to customers with deferred payment and to take advantage, according to the collective agreement. In principle, the financing that’s done by conventional bank and shariah banks have differences. But the operational realities seem both have in common. On conventional bank loans given to customers, restored by the addition or Mark-Up. The returned number is higher than the real value received by the customer. On Shariah bank though trading principled, there is also an additional element (profit margin) on capital due to payment delays.
PRIVATISASI ASET PUBLIKSEBAGAI KEBIJAKAN EKONOMI MENURUT KONSEP ALMILKIYAH Mugiyati Mugiyati
Al Hikmah: Jurnal Studi Keislaman Vol. 3 No. 2 (2013): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.849 KB) | DOI: 10.36835/hjsk.v3i2.378

Abstract

Privatization is the political and economic policies to boost economic growth by way of transfer of economic activities such as the management of public assets were previously managed by the State-Owned Enterprises (SOEs) to private national and foreign, as the country's efforts to improve the welfare of the people. Privatization of public assets is also a condition of the government debt to the International Monetary Fund (IMF) and the World Bank which requires each state to the borrower (debtor) to a policy of structural adjustment programs (structural adjustment programs), in line with global economic trends that wants minimal role of the state in economy was replaced by market mechanisms. Instead, it only provides opportunities privatization to a handful of the bourgeoisie to double the capital and the transfer of control of ownership of public assets from the state to international investors, the impact on the loss of public assets needs of the people, so that is not welfare but impoverishment.Islam has protected the public assets of mastering a handful of people, to ensure the welfare of the entire community, through the ban to have it. Public assets must be managed by the state to be distributed fairly to the well being of the people is not only limited to the three kinds of objects, water, grass and fire only, but includes: First, everything that is needed by the general public that, if not met, could cause divisions and disputes. Second, natural resources are abundant in number so that if controlled by a group of people, would lead to unequal distribution of wealth. Third, natural resources made it impossible nature of its formation is controlled by the individual. Fourth, strategic industries, i.e. industries that produce products/machines required by economy sectors activities such as manufacturing, agriculture, transportation, and telecommunications. 
PERILAKU KONSUMSI MAHASANTRI DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus Di Pondok Pesantren Fadllillah Waru Sidoarjo Dan Al-Jihad Wonocolo Surabaya) Achmad Fageh; Elnisa Salicha; Mugiyati Mugiyati
Akademika Vol 16, No 1 (2022): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v16i1.716

Abstract

Penelitian ini bertujuan untuk mendeskripsikan perilaku konsumsi Mahasantri  Pondok Pesantren Fadllillah Waru Sidoarjo dan Al-Jihad Wonocolo Surabaya dengan analisis  perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan studi komparatif dengan jenis penelitian kualitatif. Sumber data diperoleh melalui observasi, wawancara, dan dokumentasi. Informannya adalah Ketua Yayasan, Pengurus Pondok, serta Mahasantri. Teknik pengolahan data dilakukan melalui editing, organizing, dan analyzing. Sedangkan untuk menguji keabsahan data melalui triangulasi. Dalam penelitian ini ditemukan bahwa Perilaku konsumsi Mahasantri Fadllillah dan Al-Jihad masih banyak yang belum mampu menempatkan sesuai dengan kebutuhannya, hal ini dikarenakan masih banyak terdapat Mahasantri yang berperilaku konsumtif, yakni masih mengedepankan selera keinginan mereka dalam berkonsumsi. 
APLIKASI KAFALAH PADA ASURANSI TAKAFUL PERSPEKTIF AKAD BISNIS ISLAM Mugiyati .
Maliyah : Jurnal Hukum Bisnis Islam Vol. 2 No. 1 (2012): Juni 2012
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (423.058 KB) | DOI: 10.15642/maliyah.2012.2.1.%p

Abstract

Kafalah is a kind of tabarru’ agreement which is based on the value of social virtue. Kafalah can be developed and applied on takaful insurance based on the three payment patterns of takaful. The first: participant dies during the coverage period. In this case, a kind of kafalah that can be applied is Kafalah bi al-dayn. It is the debt obligations that are being the responsibility of others. For participant who dies in the coverage period is being covered (makful 'anhu). While, the other participants are together as kafil (guarantor) to pay off the debt of makful 'anhu in the form of unpaid premium remains as makful bih. On the other hands, the receiver of guarantee (makful lahu) is the takaful insurance company. The second: the condition where participant is still alive until the time of completing the coverage period. So that, the kafalah application can be done by ta'liq (kafalah al-mu’allaqah). It is a form of kafalah where the execution of the guarantee made by a person against another person is required or suspended for a certain thing. In this position, he serves as kafil who guarantees the other participants (makful 'anhu) if they are in an accident or die. To pay the remaining premiums is to be the responsibility of makful bih through tabarru’ funds' that have been collected to insurance companies as receiver of the guarantee (makful lahu). The third: participant resigned before the contract coverage period is completed. In this circumstance, the kafalah contract has expired or has been canceled since it is a kind of tabarru’ agreement that its original legal status is not absolutely binding.
MEMBONGKAR POLA PEMIKIRAN HUKUM FATWA DEWAN SYARI’AH NASIONAL (DSN) TENTANG PRODUK KEUANGAN SYARI’AH DAN PENYERAPANNYA DALAM HUKUM NASIONAL Mugiyati .
Maliyah : Jurnal Hukum Bisnis Islam Vol. 4 No. 2 (2014): Desember 2014
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (169.984 KB) | DOI: 10.15642/maliyah.2014.4.2.%p

Abstract

DSN-MUI is the only board that has the authority to issue a fatwa on the types of activities, products and financial services as well as overseeing the implementation of Shariah fatwa meant by Shariah financial institutions in Indonesia. As a religious fatwa should be the product of its legal reasoning bertemali kemasyarakatan.Oleh closely with social problems because it must be based DSN fatwa result of interaction between legal thinkers with the environment, in which the relevance of religious belief for the material world is often overlooked. In fact the National Fatwa Council of Sharia Shariah financial products follow three patterns of legal thought as a reference of the pattern of baya>ni> (semantic study), patterns qiya>si> (ta'li>li> or determination 'illat or legal factors), and the pattern istis}lah}i> (considering the benefit based nash general) that three is a normative textual approach. Positifisasi efforts in response to the needs of the Muslims will be the implementation of Islamic law in the Indonesian economy missed by the Supreme Court of the Republic of Indonesia Regulation Number 02 of 2008 on Economic Shariah Law Compilation (KHES), which partially absorb the contents of fatwas National Sharia Board good in almost the same formula or refer in part.
Peluang dan Tantangan Bank Syariah di Indonesia Dalam Mempertahankan Eksistensi di Era Digital Junet Andi Setiawan; Mugiyati Mugiyati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 1 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i1.2396

Abstract

The purpose of this research is to describe the opportunities and challenges of Islamic banks in maintaining their existence in the digital era. The research method used is literature study, by compiling relevant data which is then analyzed using a descriptive approach. The results of the study show that the digital era has provided very promising opportunities for the advancement of the world of Islamic banking, this is because the majority of Indonesian people are Muslim and are supported by many internet users in Indonesia, then the digital era also makes it easier for Islamic banking to promote its products. In addition, Islamic banking also faces the challenge of having to present qualified and competent human resources, guaranteeing protection for its customers, and the most important challenge in facing this digital era is building Cyber ​​Security that is not easy to hack, skiming and safe from malware attacks. Then, in order to maintain its existence in the digital era, Islamic banking has presented a strategy by innovating digital finance by providing good service to its customers, through digital banking such as phone banking, internet banking, SMS banking, and mobile banking. Keywords: Islamic bank, Opportunities, Challenges.
Comparison of Sharia Governance Between Bank Muamalat and Bank BTN Syariah Nurita Sari; Mugiyati Mugiyati
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 1 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i1.15133

Abstract

Every business has a management strategy to maintain and develop its business, including Sharia financial institutions. The large potential of the Islamic finance industry has a positive impact on national economic growth, therefore it is important to maintain this stability. Good governance is one of the things that must be paid attention to, as well as the governance of Sharia financial institutions must comply with Sharia principles, to maintain the trust of stakeholders in the Sharia banking and finance industry. Moreover, there are rumors that two large sharia financial institutions will merge . This research aims to compare Sharia governance between Bank Muamalat and BTN Syariah, which have significant differences in background. This research uses qualitative methods with a library study approach, and analyzes and selects relevant library sources. Research result comparison of two Sharia banks that are planned to merge into a larger Sharia bank , although both banks follow Sharia governance principles, they both have different approaches due to different focuses and backgrounds. Bank Muamalat, as a pure sharia bank, has a more comprehensive sharia implementation and structure. Meanwhile, BTN Syariah as a sharia business unit of a conventional bank, focuses more on implementing sharia principles in housing products. Both banks demonstrate a strong commitment to Sharia principles and comply with supervision, the Sharia Supervisory Board (DPS), and applicable laws.
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.
Co-Authors Abdillah Qadry Azizi Abdillah Qadry Azizi Abdullah Jimly Hasanal Adhim Achmad Fageh Adriani, Siti Kamiliyah Ahmad Agus Hidayat Al Azroh, Devira Al-fiyah, Tutik Aldi Khusmufa Nur Iman Alif Mujiyana Eka Bella Arif Angga Bayu Saputro Arif Angga Bayu Saputro Aris Saiful Mizan Aris Saiful Mizan Atika, Meilani Fara Basyirah, Luthfiana Charits, Achmad Zuhri Al Danang Purbo Raharjo Dewanty, Megananda Aruna Dina, Dina Anisya R Elnisa Salicha Fadel, Achmad Ghulam Fahrul Ubed Fatkhurrozi, Tanto Fatmasari, Eka Putri Fausi, Ahmat Febriyanti, Inka Ayu Fitri Nur Latifah Habib Hambali, Habib Hasan Hasir Hikmah Muhaimin Hozinul Asror Ika Puspitasari Iman, Tsubutul Iskandar Ritonga Jaudat Iqbal Harris Johan Johan Juliasari, Diar Eka Junet Andi Setiawan Junet Andi Setiawan Kavil, Moch. Ainol Khoiriyah, Nur ‘Azizatul Khusnia, Nur Lilik Rahmawati Ma'ruf, Amar Marchelia Putri, Sindy Maulana, Safrizal Bangkit Mazidah, Nurul Moh Arifin Muchlisin, Muchammad Chafidz Muhammad Ade Salim Muhammad Raihan Syamil Muhammad Syahrul Hidayat Muhammad, Auwwalu Shuaibu Mursilah, Pembayun Musfiroh, Anita Mustofa, Mustofa Mutitul Choiroh, Ifa Nur Chotami Putra Muslim Nurhayati Nurita Sari Nurul Isnaini Nuur Rasyidah, Alvi Pangestu, Credo Prasetyoadi Pratiwi, Ari Dwi Purwanto, Andi Putri Rahayu, Alfina Putri, Arsyida Alfianti Rohmatul Laily Al Faiqoh Royyan As-Syafi'i Sa’adah, Tsuroyya Putri Selvina Adhani, Adinda Siska Arie Novita Sri Wigati Suyuthi, Lailatun Nur Syamsul Arifin Tantriana, Deasy Trinil Susilawati Ubed, Fahrul Ulil Absor Faiq Abdillah Umi Qurrotul Aini Umi Qurrotul Aini Walid In'am Ahmad Zidna, Rizka Rahmatllah