Claim Missing Document
Check
Articles

STUDI ANALISIS ASURANSI SYARIAH: دراسة وتحليلا في التأمين الإسلامي Muhammad Lathoif Ghozali
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 5 No. 1 (2015): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2015.5.1.1004-1019

Abstract

رغم أن العلماء قديما وحديثا قد قاموا ببحث موضوع الذرائع سدا وفتحا، إلا أن هناك حاجة ملحة في مزيد تنظبر لها من حيث أسس تأصيلها وبيان حجيتها، والعناصر المكونة لها في إطار الممفهوم الأصولي لها، وكذلك من حيث أقسامها وعلاقتها ببقية الأدلة المتفق عليها والمختلف فيها وضوابطها المنهجية والعملية، ثم صياغتها في صورة نظرية متكاملة تجعل فكرة الذرائع صالحة للتطبيق السليم على المستجدات والنوازل. وللذرائع أهمية أكبر من زاوية تطبيقها في مجال المعاملات المالية المعاصرة، حيث اصبحت الحاجة إلى الاستعانة بها في المعاملات اكثر إلحاحا، نظرا لما يزخر به عالم المعاملات المالية من مستجدات القضايا أنواعا وصورا وتعقيدا لا سيما في التأمين الذي نحن بصدد ه
PERAN URBAN FARMING RUMAH ZAKAT DALAM PEMBERDAYAAN EKONOMI MASYARAKAT DI KAMPUNG SAYURAN ORGANIK NGEMPLAK SUTAN KOTA SURAKARTA Rifa Dianmurti; Lathoif Ghozali
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 2 (2017): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2017.7.2.1510-1523

Abstract

Penelitian ini merupakan penelitian kualitatif dengan pendekatan fenomenologi, teknik pengumpulan data melalui observasi, dokumentasi, dan wawancara langsung kepada informan, dalam penelitian ini yaitu pendamping pemberdayaan dari Rumah Zakat dan Ketua Kelompok Swadaya Masyarakat (KSM) Kampung Ngemplak Sutan Surakarta. Hasil penelitian menunjukkan mekanisme urban farming rumah zakat melalui tujuh tahapan yaitu persiapan, pengkajian, perencanaan akternatif, formulasi rencana, pelaksanaan program, evaluasi, dan terminasi. Dampak kegiatan urban farming yaitu terbentuknya program Kampung Sayuran Organik melalui kebun gizi mandiri, pembentukan koperasi benih sayur kahuripan, pembentukan kelompok wanita tani, dan pengelolaan bank sampah oleh warga kampung. Sejalan dengan hasil penelitian diatas, maka masukan untuk Rumah Zakat adalah sebaiknya kerjasama dengan pihak penyandang dana seperti Pemerintah Kota Surakarta harus lebih ditingkatkan lagi. Untuk kerjasama antara Rumah Zakat dengan pihak penyandang dana seperti Pemerintah Kota Surakarta harus lebih ditingkatkan. Untuk masyarakat Kampung Ngemplak Sutan, sebaiknya pengembangan inovasi untuk budidaya selain sayuran seperti buah-buahan dan ikan lebih dikembangkan. Dalam hal pemanfaatan media sosial seperti instagram, facebook, dan twitter bisa dimaksimalkan dengan tujuan agar lebih dikenal oleh masyarakat luas.
Analisis pada Fluktuasi Harga Paket Data Internet di Platform Digital Dana dan LinkAja dengan Metode Qiyas Ashif Jauhar Winarto; Muhammad Lathoif Ghozali
Jurnal Hukum Ekonomi Syariah Vol 6, No 01 (2022): JURNAL HUKUM EKONOMI SYARIAH (JUNI 2022)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v6i01.6943

Abstract

Pada era saat ini kebutuhan sehari-hari bagi semua kalangan sangat mudah untuk didapatkan dengan cara menggunakan gadget atau smartphone sehingga bisa mengakses semua yang diinginkan oleh konsumennya sangat perlu perhatian khusus oleh umat Islam seperti hukum dalam jual beli di internet atau platform digital, dalam fluktuasi harga terdapat di platform digital tersebut sehingga terhindar dari yang dinamakan unsur riba. Ulama Jumhur berpikiran qiyas itu menjadi hujjah syariah atau sumber hukum syariah untuk hukum amal tindakan manusia dalam tingkat keempat argumen syariah. Oleh sebab itu, jika suatu peristiwa tidak memiliki hukum ditentukan dari nash atau ijma’ dan memiliki pandangan ‘illat dengan sesuatu hal yang memiliki nash. Golongan ini, oleh pakar ushl fiqh disebut dengan mutsbitul qiyas.  Penelitian ini memiliki tujuan  untuk menganalisis dan menemukan hukum fluktuasi harga paket data internet di platform digital Dana dan LinkAja dengan menggunakan metode Qiyas. Penelitian ini merupakan penelitian kualitatif deskriptif dengan menggunakan pendekatan kepustakaan (library research). Acuan hukum yang digunakan dalam penelitian ini adalah  As-Sunnah tentang mekanisme pasar dan Fatwa DSN-MUI No. 40 80 yang di dalamnya terdapat ketentuan mekanisme pasar. Fluktuasi pada harga paket data internet di platform digital Dana dan LinkAja yang dianalisis memakai metode Qiyas terhadap sistem mekanisme pasar dalam Islam. Penelitian ini menunjukkan hasil riset bahwasannya fluktuasi pada harga paket data internet di platform digital Dana dan LinkAja adalah mubah, karena memiliki kesamaan karakteristik (‘illat) dengan mekanisme pasar yang juga mengalami fluktuasi naik turunnya harga berdasarkan permintaan dan penawaran.AbstractIn the current era, daily needs for all people are very easy to obtain by using a gadget or smartphone so that they can access everything that their consumers want, they really need special attention by Muslims, such as the law in buying and selling on the internet or digital platforms, in price fluctuations. contained in the digital platform so as to avoid the so-called element of usury. Jumhur scholars think that qiyas is a source of sharia law or a source of sharia law for the law of human action in the fourth level of the sharia argument. Therefore, if an event does not have a law, it is determined from the text or ijma' and has the view of 'illat with something that has a text. This group, by ushl fiqh experts, is called mutsbitul qiyas. This study aims to analyze and find the law of price fluctuations for internet data packages on the Dana and LinkAja digital platforms using the Qiyas method. This research is descriptive qualitative research using a library research approach. The legal reference used in this study is the As-Sunnah on market mechanisms and the DSN-MUI Fatwa No. 40 80 in which there are provisions for market mechanisms. Fluctuations in the price of internet data packages on the Dana and LinkAja digital platforms were analyzed using the Qiyas method on the market mechanism system in Islam. This study shows the results of research that fluctuations in the price of internet data packages on the Dana and LinkAja digital platforms are permissible because they have the same characteristics ('illat) with market mechanisms which also experience price fluctuations up and down based on supply and demand.
THE ROLE OF ISLAMIC BOARDING SCHOOLS IN IMPLEMENTATION OF SHARIA TRANSACTION PRINCIPLES AT BMT AL-ROSYID BERKAH BERSAMA Izzatul Muna; Khotib Khotib; Muhammad Lathoif Ghozali
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 6, No 2 (2022): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v6i2.5396

Abstract

This study was conducted to reveal descriptively through a qualitative approach about (1) How is the role of Al-Rosyid Islamic Boarding School in the development of BMT, (2) How is the form of the principle of sharia transactions at BMT Al-Rosyid Berkah Bersama, (3) How is the role of Islamic boarding schools in implementing the principle of sharia transactions at BMT Al-Rosyid Berkah Bersama. The research method used is a qualitative method with a field research approach. Qualitative research is carried out in original conditions and is in the form of new findings. The results of the study revealed that; (1) Recruiting several alumni of the Al-Rosyid Islamic boarding school, holding regular evaluations with BMT management to discuss problems and solutions that exist in the movements and activities at BMT Al Rosyid Berkah Bersama, socialize the importance of the sharia financing system to students and the community, participate in efforts to expand corporate wings and participate in fundraising. (2) Implementation of the principle of brotherhood (ukhuwwah), implementation of the principle of Justice ('adālah), implementation of the principle of benefit (maṣlahah), implementation of the principle of Balance (tawāzun) and implementation of the principle of Universalism (shumuliyyah). (3) Recruiting and attracting capable alumni in BMT, especially in the field of sharia transaction principles, holding an intensive personal approach to BMT members, preparing future BMT cadres who are good in the field of sharia transaction principles, and several other important roles.
STRATEGY OF BAZNAS FOR BUILDING MUSTAḤIQ’S ECONOMIC RESILIENCE: The SWOT Analysis Perspective Sundari Sundari; Muhammad Lathoif Ghozali
ULUL ALBAB Jurnal Studi Islam Vol 23, No 2 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i2.17281

Abstract

BAZNAS is an Indonesian agency in charge of collecting zakat and has many branches. One of the branches is in Ngawi Regency which has a program called Ngawi Makmur. It intends to realize family welfare and resilience by helping Micro, Small, and Medium Enterprises and people in debt. This is a qualitative study aiming to reveal the strategy of BAZNAS Ngawi in building family economic resilience. This is a type of field research which involve mustah{iq receiving financial assistance in 6 sub-districts. The data are collected using observation, interviews, and documentation. They were then validated by triangulation, comparing the results of interviews and observation. The obtained data were then analyzed in three stages, namely data simplification, data presentation, and drawing conclusion. BAZNAS Ngawi's strategy is to prioritize the SO (Strengths-Opportunities) by improving the skills of mustah{iq, providing training and assistance to housewives, and collaborating with OPZ to form social enterprises for mustah{iq. Based on the results of the SWOT analysis, BAZNAS Ngawi is in the Growth quadrant. In this quadrant, the state of the industry is in a favorable condition because it has power and can take the opportunities.
Peran Wakaf Tunai Saat Pandemi Covid-19 di Indonesia Luluk Latifah; Iskandar Ritonga; Muhammad Lathoif Ghozali; Fatkur Huda
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 2 (2023)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i2.6886

Abstract

The purpose of this study is to generate a sense of optimism in the community in general and the government in particular in overcoming the economic recession that is hitting Indonesia. This countermeasures by looking at the potential of waqf in Indonesia, especially cash waqf as a role model. This study uses a descriptive qualitative approach. The results show that the cash waqf instrument has enormous benefits during a pandemic like this, both in the economic sector and in the non-economic sector. In the non-economic sector, investment returns from cash waqf can be used to provide direct cash assistance to the community to increase the purchasing power of vulnerable people affected by Covid-19. In the economic sector, cash waqf profit sharing can also be used to provide working capital to MSMEs, to finance infrastructure development and to finance other productive economic businesses, especially for workers who are currently being laid off a lot. In both the economic and non-economic sectors, cash waqf revenue sharing can produce a very large multiplier effect and is beneficial for investors in increasing production, and for the government in increasing government revenue from the tax sector.
Implementasi Program Tanggung Jawab Sosial dan Lingkungan (TJSL) Perspektif Maqashid al-Syariah (Studi Pengembangan UMKM Mitra Binaan PT Pupuk Sriwidjaja Palembang) Muhammad Wahyudi; Muhammad Lathoif Ghozali; Gilang Rizki Aji Putra
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 10, No 1 (2023)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v10i1.31517

Abstract

The article entitled "Implementation of the Social and Environmental Responsibility Program (TJSL) Maqashid al-Syariah Perspective (Study of MSME Development Development Partners PT Pupuk Sriwidjaja Palembang)." This study aims to answer questions about how to implement social and environmental responsibility programs at PT Pupuk Sriwidjaja Palembang; how is the sustainability of the social and environmental responsibility program at PT Pupuk Sriwidjaja Palembang; how is the social and environmental responsibility program at PT Fertilizer Sriwidjaja Palembang from the maqashid al-syariah perspective. The method used is a qualitative descriptive approach. Data collection employing interviews and documentation with PT Pupuk Sriwidjaja Palembang with several fostered partner owners to explore the implementation of social and environmental responsibility programs, the sustainability of social and environmental responsibility programs, and how to analyze the maqashid al-syariah perspective, namely protecting assets (al- lazy). The results of this study indicate that providing an overview and information regarding the implementation of social and environmental responsibility programs by PT Pupuk Sriwidjaja Palembang is a form of corporate social responsibility that has fulfilled the triple bottom line dimension. The social extent is carried out through environmental development activities and development partners, the ecological size is implemented through tree planting activities, and the financial dimensions are through providing financing to SME business actors.Keywords: TJSL; MSME; Maqashid al-shariahKeywords: TJSL; MSME; Maqashid al-shariah  AbstrakTulisan yang berjudul “Implementasi Program Tanggung Jawab Sosial dan Lingkungan (TJSL) Perspektif Maqashid al-Syariah (Studi Pengembangan UMKM Mitra Binaan PT Pupuk Sriwidjaja Palembang).” Penelitian ini bertujuan untuk menjawab pertanyaan tentang bagaimana implementasi program tanggung jawab sosial dan lingkungan di PT Pupuk sriwidjaja Palembang; bagaimana sustainability program tanggung jawab sosial dan lingkungan di PT pupuk sriwidjaja Palembang; bagaimana program tanggung jawab sosial dan lingkungan di PT pupuk Sriwidjaja Palembang perspektif maqashid al-syariah. Metode yang digunakan yakni pendekatan deskriptif kualitatif. Pengambilan data dengan cara wawancara dan dokumentasi kepada PT Pupuk Sriwidjaja Palembang dengan beberapa owner mitra binaan untuk menggali tentang implementasi program tanggung jawab sosial dan lingkungan, sustainability program tanggung jawab sosial dan lingkungan, serta bagaimana analisis perspektif maqashid al-syariah yakni perlindungan harta (al-maal). Hasil dari penelitian ini menunjukkan bahwa memberikan gambaran dan informasi mengenai penerapan program tanggung jawab sosial dan lingkungan oleh PT Pupuk Sriwidjaja Palembang merupakan wujud tanggung jawab sosial perusahaan yang sudah memenuhi dimensi triple bottom line, dimensi sosial dilaksanakan melalui kegiatan bina lingkungan dan mitra binaa, dimensi environmental dilaksanakan melalui kegiatan penanaman pohon, dan dimensinsi financial melalui pemberian pembiayaan kepada pelaku usaha UKM.Kata Kunci: TJSL; UMKM; Maqashid al-syariah
Position of DSN-MUI Fatwa No.79 of 2011 Concerning Qarḍ with Customer Funds in the Perspective of Maqāṣid Sharī‘ah Jasser Auda: Kedudukan Fatwa DSN-MUI. No: 79/DSN-MUI/III/2011 Tentang Qardh Dengan Menggunakan Dana Nasabah Perspektif Maqashid Syari‘ah Jasser Auda Muhammad Lathoif Ghozali; Anita Musfiroh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 12 No. 2 (2022): el-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2022.12.2.211-224

Abstract

Abstract: This study will explain the DSN-MUI Fatwa No.79 of 2011 regarding the perspective of Maqāṣid Syari'ah according to Jasser Auda's approach theory. The method used in this study is qualitative with literature study by finding and collecting factual facts or information using the themes and topics that will be or are being researched. This study tries to explain that the system approach theory echoed by JasserAuda is not only rigid but also elastic. So it can be implemented in legal provisions by means of a surgical process through the application of the six-element method which is the criterion, namely cognitive elements, openness, comprehensiveness, interconnected or interrelated hierarchies, meaning, and multidimensionality. As a result, the position of Maqāṣid Sharī‘ah can be found, and of course, the provisions of the rules can be applied to people's lives with a wide range. Regarding the DSN-MUI Fatwa No. 79 of 2011 concerning Qarḍ, it is permissible to use customer funds because it fulfils the elements of the system theory applied by Jasser Auda. Indirectly, the theory of Jasser Auda's system approach is a tool or scale in dissecting the position of Maqāṣid Sharī‘ah against legal provisions that have been established or will be enforced. Keywords: Systems Theory, Jasser Auda, Qarḍ, DSN-MUI Fatwa.   Abstrak: Penelitian ini menjelaskan Fatwa DSN-MUI No.79 Tahun 2011 tentang Perspektif Maqāṣid Sharī‘ah menurut teori Jasser Auda. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan model studi literatur yang mencari dan mengumpulkan fakta atau informasi faktual menggunakan tema dan topik yang akan atau sedang diteliti. Penelitian ini menjelaskan bahwa teori pendekatan sistem yang digaungkan oleh Jasser Auda bukan hanya teori kaku namun teori yang elastis juga. Sehingga dapat diimplementasikan dalam ketentuan hukum melalui proses pembedahan, melalui penerapan metode enam unsur yang menjadi kriterianya, yaitu unsur kognitif, keterbukaan, kekomprehensifan, hirarki yang saling berhubungan atau saling berkaitan, makna, dan multidimensionalitas. Alhasil, posisi Maqāṣid Sharī‘ah dapat ditemukan dan tentunya ketentuan aturannya dapat diterapkan dalam kehidupan masyarakat dengan jangkauan yang luas. Mengenai Fatwa DSN-MUI No. 79 Tahun 2011 tentang Qarḍ, boleh menggunakan dana nasabah, karena memenuhi unsur teori sistem yang diterapkan oleh Auda. Secara tidak langsung, teori pendekatan sistem Auda merupakan alat atau skala dalam membedah kedudukan Maqāṣid Sharī‘ah terhadap ketentuan hukum yang telah ditetapkan atau akan diberlakukan. Kata Kunci: Teori Sistem, Jasser Auda, Qardh, DSN-MUI Fatwa
THE ROLE OF ISLAMIC BOARDING SCHOOLS IN IMPLEMENTATION OF SHARIA TRANSACTION PRINCIPLES AT BMT AL-ROSYID BERKAH BERSAMA Izzatul Muna; Khotib Khotib; Muhammad Lathoif Ghozali
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 6, No 2 (2022): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v6i2.5396

Abstract

This study was conducted to reveal descriptively through a qualitative approach about (1) How is the role of Al-Rosyid Islamic Boarding School in the development of BMT, (2) How is the form of the principle of sharia transactions at BMT Al-Rosyid Berkah Bersama, (3) How is the role of Islamic boarding schools in implementing the principle of sharia transactions at BMT Al-Rosyid Berkah Bersama. The research method used is a qualitative method with a field research approach. Qualitative research is carried out in original conditions and is in the form of new findings. The results of the study revealed that; (1) Recruiting several alumni of the Al-Rosyid Islamic boarding school, holding regular evaluations with BMT management to discuss problems and solutions that exist in the movements and activities at BMT Al Rosyid Berkah Bersama, socialize the importance of the sharia financing system to students and the community, participate in efforts to expand corporate wings and participate in fundraising. (2) Implementation of the principle of brotherhood (ukhuwwah), implementation of the principle of Justice ('adālah), implementation of the principle of benefit (maṣlahah), implementation of the principle of Balance (tawāzun) and implementation of the principle of Universalism (shumuliyyah). (3) Recruiting and attracting capable alumni in BMT, especially in the field of sharia transaction principles, holding an intensive personal approach to BMT members, preparing future BMT cadres who are good in the field of sharia transaction principles, and several other important roles.
Maqashid Syariah: Kajian Teoritis Dalam pembentukan Fatwa DSN Sukuk Moh Ah. Subhan ZA; Muhammad Lathoif Ghazali; Abu Yasid
Akademika Vol 17, No 1 (2023): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v17i1.1531

Abstract

Tujuan dari penelitian ini adalah untuk mengkaji keberadaan sukuk yang telah diperbarui fatwanya melalui fatwa DSN-MUI Nomor 137/DSN-MUI/IX/2020 dalam pandangan maqashid al-syariah. Jenis   penelitian   yang   digunakan dalam penulisan artikel ini adalah penelitian kepustakaan. Metode penelitian yang digunakan adalah dengan menggunakan metode review dokumen serta trend analysis pada keberadaan instrument sukuk di Negara Indonesia  serta manfaat-manfaat yang ada pada sukuk. Pendekatan  kualitatif normative dilakukan dalam pendekatan penelitian ini. Hasil penelitian menunjukkan bahwa keberadaan sukuk memberikan manfaat yang besar terutama dalam masalah percepatan ekonomi Negara. Dan jika dikaji dalam maqashid syariah sukuk juga memberikan manfaat besar sejalan dengan lima masalah kulliyat al-Khamsah yaitu perlindungan agama (Hifdz al-Din), Perlindungan Jiwa (hifdz al-Nafs), Perlindungan akal (Hifdz al-Aql), Perlindungan keturunan (Hifdz al-Nasl), dan juga perlindungan harta (Hifdz al-Mal). Oleh karenanya sukuk tidak hanya perlu diadakan tetapi perlu dikembangkan sehingga kemaslahatan atas keberadaannya semakin dirasakan oleh Negara penerbit.