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Monopoli dalam Perspektif Ekonomi Islam Fatah, Dede Abdul
Al-Iqtishad: Journal of Islamic Economics Vol 4, No 2: July 2012
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v4i2.2095

Monopoly in Islamic economic perspective means withholding or hoarding goods in purpose, especially in times of scarcity, with the goal of raising the price at a later date in order to obtain greater profits. Monopolistic practices is a type of violation will result in muamalah because market mechanism disrupted, so that producers will get a big profit (monopolistic rent), while the consumer due to the accumulation of actions will suffer and get loss. Therefore, this monopoly will bring people in general harmed by the act of a small group of monopolistic very unjust, selfish, and irresponsibleDOI: 10.15408/aiq.v4i2.2095

Hajj Financial Management in the MaqÄá¹£id SharÄ«â€™ah Perspective Alfiyanti, Ulfah; Firdaus, Achmad; Fatah, Dede Abdul
Al-Ahkam Volume 29, Nomor 2, Oktober 2019
Publisher : Faculty of Shariah and Law, State Islamic University (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (730.536 KB)

This paper analyzes the management of the pilgrimage fund to the concept of Islamic wealth management and the management of the pilgrimage fund and its compliance with the maqÄá¹£id al-sharÄ«'ah. The first is done by analyzing the management of hajj funds by BPKH on the management of Islamic wealth. The second is done through interviews with academics, regulators, experts and practitioners. Descriptive processing is done through Strategic Assumption Surfacing and Testing (SAST). The analysis is done by selecting the 'important' and 'definite' variables. The results showed that the determinants of Hajj fund management according to Islamic wealth management were contracts, zakat and transparency. Hajj fund management policies for the protection of religion, including the setting of a fair and transparent haj quota, building infrastructure facilities for the pilgrimage, ensuring terms and conditions Life protection through the use of halal vaccines, providing and funding Hajj monitors, improving catering, lodging, transportation and health services and providing congregational data to the Ministry of Health. Protection of reason through improving the quality of rituals. Protection of assets through transparency in the management of hajj funds, direct investment in harmony with sharia, and management of hajj funds in Islamic banking.

ANALISIS RISIKO PEMBIAYAAN MUDHARABAH, MUSYARAKAH, DAN MURABAHAH DENGAN MENGGUNAKAN CREDITRISK+ STUDI KASUS BANK X Syahratien, Ade Irma; Waluyo, Bambang; Fatah, Dede Abdul
Jurnal Akuntansi Keuangan dan Perbankan Vol 7, No 1 (2020): ACCOUNT VOL 7 NO 1 EDISI JUNI 2020
Publisher : Politeknik Negeri Jakarta

ANALISIS RISIKO PEMBIAYAAN MUDHARABAH, MUSYARAKAH, DAN MURABAHAH DENGAN MENGGUNAKAN CREDITRISK+STUDI KASUS BANK X Ade Irma Syahratien adeirmasyahratien@gmail.com Bambang Waluyo bambang.waluyo@akuntansi.pnj.ac.idDede Abdul Fatah dedefatah@yahoo.com Program Studi Keuangan dan Perbankan Syariah Politeknik Negeri Jakarta ABSTRACTThis research is motivated by the potential loss of banks which can be seen from the NPF ratio.This research aims to analyze the potential risk of mudharabah, musyarakah, and murabahahfinancing and analyze the amount of capital adequacy to bear the potential losses that occur at Bank X using the CreditRisk+ method. The data used in this study are mudharabah, musyarakah, and murabahah financing data at Bank X in 2015, 2016 and 2017, which are classified as default. The results of the study show that the expected loss value in 2015, 2016 and 2017 in mudharabah and musyarakah financing increases every year, while in murabahah financing the expected loss value fluctuates from year to year. The value of unexpected losses in 2015, 2016 and 2017 in mudharabah, musyarakah and murabahah financing has increased every year. From the calculation results it is known that the unexpected loss value is greater than the expected loss value. The value of economic capital to cover unexpected losses in 2015, 2016 and 2017 in mudharabah and murabahah financing has increased every year, while in musyarakah financing the value of economic capital has fluctuated from year to year. In this study, it is expected that the CreditRisk+ method can be considered by Bank X as an alternative method of measuring financing risk and can be developed in further research. Keywords: Financing Risk, CreditRisk+, Expected Loss, Unexpected Loss, Economic Capital ABSTRAKPenelitian ini dilatarbelakangi oleh adanya potensi kerugian bank yang dapat dilihat dari rasioNPF. Penelitian ini bertujuan untuk menganalisis potensi risiko pembiayaan mudharabah, musyarakah, dan murabahah dan menganalisis jumlah kecukupan modal untuk menanggung potensi kerugian yang terjadi di Bank X dengan menggunakan metode CreditRisk+. Data yang digunakan dalam penelitian ini adalah data pembiayaan mudharabah, musyarakah, dan murabahah di Bank X pada tahun 2015,2016 dan 2017 yang tergolong default. Hasil dari penelitian diperoleh nilai kerugian yang dapat diperkirakan (expected loss) tahun 2015, 2016, dan 2017 pada pembiayaan mudharabah dan musyarakah mengalami peningkatan setiap tahunnya, sedangkan pada pembiayaan murabahah nilai expected loss mengalami fluktuasi dari tahun ke tahun. Nilai kerugian yang tidak dapat diperkirakan (unexpected loss) tahun 2015, 2016, dan 2017 pada pembiayaan mudharabah, musyarakah, dan murabahah mengalami peningkatan setiap tahunnya. Dari hasil perhitungan diketahui bahwa nilai unexpected loss umumnya lebih besar daripada nilai expected loss. Nilai kecukupan modal atau economic capital untuk menutupi unexpected loss tahun 2015, 2016, dan 2017 pada pembiayaan mudharabah dan murabahah mengalami peningkatan setiap tahunnya, sementara itu pada pembiayaan musyarakah nilai economic capital mengalami fluktuasi dari tahun ke tahun. Pada penelitian ini diharapkan metode CreditRisk+ dapat dipertimbangkan oleh Bank X sebagai metode alternatif dalam mengukur risiko pembiayaan dan dapat dikembangkan pada penelitian selanjutnya. Kata kunci: Risiko Pembiayaan, CreditRisk+, Expected Loss, Unexpected Loss, Economic Capital

Hajj Financial Management in the MaqÄá¹£id SharÄ«â€™ah Perspective Alfiyanti, Ulfah; Firdaus, Achmad; Fatah, Dede Abdul
Al-Ahkam Volume 29, Nomor 2, Oktober 2019
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (730.536 KB)

This paper analyzes the management of the pilgrimage fund to the concept of Islamic wealth management and the management of the pilgrimage fund and its compliance with the maqÄá¹£id al-sharÄ«'ah. The first is done by analyzing the management of hajj funds by BPKH on the management of Islamic wealth. The second is done through interviews with academics, regulators, experts and practitioners. Descriptive processing is done through Strategic Assumption Surfacing and Testing (SAST). The analysis is done by selecting the 'important' and 'definite' variables. The results showed that the determinants of Hajj fund management according to Islamic wealth management were contracts, zakat and transparency. Hajj fund management policies for the protection of religion, including the setting of a fair and transparent haj quota, building infrastructure facilities for the pilgrimage, ensuring terms and conditions Life protection through the use of halal vaccines, providing and funding Hajj monitors, improving catering, lodging, transportation and health services and providing congregational data to the Ministry of Health. Protection of reason through improving the quality of rituals. Protection of assets through transparency in the management of hajj funds, direct investment in harmony with sharia, and management of hajj funds in Islamic banking.

STRATEGI PENGEMBANGAN BMT/KSPPS DI DEPOK DENGAN METODE ANALISIS SWOT Fatah, Dede Abdul; Muchtasib, Ach. Bakhrul; Abdillah, Abdillah
Ekonomi & Bisnis Vol 19 No 1 (2020): JURNAL EKONOMI BISNIS VOL 19 NO 1 JUNI 2020
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/eb.v19i1.3011

BMT telah banyak bermunculan di Masyarakat. Dari masyarakat kota hingga di pedesaan, seperti halnya. Mereka menyisir hingga pada basis riil masyarakat. Hingga saat ini telah tercatat 900 lebih BMT telah berdiri di Depok. Namun, hanya 52 persen yang aktif. BMT harus memiliki visi dan misi untuk meningkatkan kesejahteraan masyarakat serta turut membangun tatanan perekonomian yang berkeadilan sesuai dengan prinsip-prinsip Islam. Namun, belum tercapai visi dan misi tersebut, ternyata banyak BMT yang berguguran tidak dapat menjalankan kegiatannya. Hal ini menjadi menarik untuk diteliti dan diungkap permasalahannya sehingga dapat memberikan jawaban. Dengan menggunakan metode analisa SWOT akan dapat mengungkap permasalahan BMT yang tumbang dan juga dapat mengungkap faktor kesuksesan BMT yang tetap eksis dan bahkan tumbuh besar

ANALISIS RISIKO PEMBIAYAAN MUDHARABAH, MUSYARAKAH, DAN MURABAHAH DENGAN MENGGUNAKAN CREDITRISK+ STUDI KASUS BANK X Ade Irma Syahratien; Bambang Waluyo; Dede Abdul Fatah
Account : Jurnal Akuntansi, Keuangan dan Perbankan Vol. 7 No. 1 (2020): EDISI JUNI 2020
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/acc.v7i1.2833

ANALISIS RISIKO PEMBIAYAAN MUDHARABAH, MUSYARAKAH, DAN MURABAHAH DENGAN MENGGUNAKAN CREDITRISK+STUDI KASUS BANK X Ade Irma Syahratien adeirmasyahratien@gmail.com Bambang Waluyo bambang.waluyo@akuntansi.pnj.ac.idDede Abdul Fatah dedefatah@yahoo.com Program Studi Keuangan dan Perbankan Syariah Politeknik Negeri Jakarta ABSTRACTThis research is motivated by the potential loss of banks which can be seen from the NPF ratio.This research aims to analyze the potential risk of mudharabah, musyarakah, and murabahahfinancing and analyze the amount of capital adequacy to bear the potential losses that occur at Bank X using the CreditRisk+ method. The data used in this study are mudharabah, musyarakah, and murabahah financing data at Bank X in 2015, 2016 and 2017, which are classified as default. The results of the study show that the expected loss value in 2015, 2016 and 2017 in mudharabah and musyarakah financing increases every year, while in murabahah financing the expected loss value fluctuates from year to year. The value of unexpected losses in 2015, 2016 and 2017 in mudharabah, musyarakah and murabahah financing has increased every year. From the calculation results it is known that the unexpected loss value is greater than the expected loss value. The value of economic capital to cover unexpected losses in 2015, 2016 and 2017 in mudharabah and murabahah financing has increased every year, while in musyarakah financing the value of economic capital has fluctuated from year to year. In this study, it is expected that the CreditRisk+ method can be considered by Bank X as an alternative method of measuring financing risk and can be developed in further research. Keywords: Financing Risk, CreditRisk+, Expected Loss, Unexpected Loss, Economic Capital ABSTRAKPenelitian ini dilatarbelakangi oleh adanya potensi kerugian bank yang dapat dilihat dari rasioNPF. Penelitian ini bertujuan untuk menganalisis potensi risiko pembiayaan mudharabah, musyarakah, dan murabahah dan menganalisis jumlah kecukupan modal untuk menanggung potensi kerugian yang terjadi di Bank X dengan menggunakan metode CreditRisk+. Data yang digunakan dalam penelitian ini adalah data pembiayaan mudharabah, musyarakah, dan murabahah di Bank X pada tahun 2015,2016 dan 2017 yang tergolong default. Hasil dari penelitian diperoleh nilai kerugian yang dapat diperkirakan (expected loss) tahun 2015, 2016, dan 2017 pada pembiayaan mudharabah dan musyarakah mengalami peningkatan setiap tahunnya, sedangkan pada pembiayaan murabahah nilai expected loss mengalami fluktuasi dari tahun ke tahun. Nilai kerugian yang tidak dapat diperkirakan (unexpected loss) tahun 2015, 2016, dan 2017 pada pembiayaan mudharabah, musyarakah, dan murabahah mengalami peningkatan setiap tahunnya. Dari hasil perhitungan diketahui bahwa nilai unexpected loss umumnya lebih besar daripada nilai expected loss. Nilai kecukupan modal atau economic capital untuk menutupi unexpected loss tahun 2015, 2016, dan 2017 pada pembiayaan mudharabah dan murabahah mengalami peningkatan setiap tahunnya, sementara itu pada pembiayaan musyarakah nilai economic capital mengalami fluktuasi dari tahun ke tahun. Pada penelitian ini diharapkan metode CreditRisk+ dapat dipertimbangkan oleh Bank X sebagai metode alternatif dalam mengukur risiko pembiayaan dan dapat dikembangkan pada penelitian selanjutnya. Kata kunci: Risiko Pembiayaan, CreditRisk+, Expected Loss, Unexpected Loss, Economic Capital

MONOPOLI DALAM PERSPEKTIF EKONOMI ISLAM Dede Abdul Fatah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 4, No 2: July 2012
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Monopoly in Islamic economic perspective means withholding or hoarding goods on purpose, especially in times of scarcity, with the goal of raising the price at a later date in order to obtain greater profits. Monopolistic practices is a type of violation will result in mu‘âmalah because market mechanisms disrupted,so that producers will get a big profit (monopolistic rent), while the consumer due to the accumulation of actions will suffer and get loss. Therefore, this monopoly will bring people in general harmed by the act of a small group of monopolists very unjust, selfish and irresponsible.DOI: 10.15408/aiq.v4i2.2546

Hajj Financial Management in the Maqāṣid Sharī’ah Perspective Ulfah Alfiyanti; Achmad Firdaus; Dede Abdul Fatah
Al-Ahkam Vol 29, No 2 (2019): October
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri (UIN) Walisongo Semarang

This paper analyzes the management of the pilgrimage fund to the concept of Islamic wealth management and the management of the pilgrimage fund and its compliance with the maqāṣid al-sharī'ah. The first is done by analyzing the management of hajj funds by BPKH on the management of Islamic wealth. The second is done through interviews with academics, regulators, experts and practitioners. Descriptive processing is done through Strategic Assumption Surfacing and Testing (SAST). The analysis is done by selecting the 'important' and 'definite' variables. The results showed that the determinants of Hajj fund management according to Islamic wealth management were contracts, zakat and transparency. Hajj fund management policies for the protection of religion, including the setting of a fair and transparent haj quota, building infrastructure facilities for the pilgrimage, ensuring terms and conditions Life protection through the use of halal vaccines, providing and funding Hajj monitors, improving catering, lodging, transportation and health services and providing congregational data to the Ministry of Health. Protection of reason through improving the quality of rituals. Protection of assets through transparency in the management of hajj funds, direct investment in harmony with sharia, and management of hajj funds in Islamic banking.

Enhancing Waqf Accountability: Nazhir’s Perspective towards Waqf Reporting Sandra Monica; Murniati Mukhlisin; Dede Abdul Fatah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 12, No 2 (2020)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Abstract. This study explores the best reporting form as a representation of waqf accountability through nazhir’s perspectives, i.e. waqf institutions in Indonesia. The method used in this study is the Analytic Network Process combined with Delphi. The results show that financial statements obtained from the first rank as the best reporting form. However, the waqf institutions could have difficulties in delivering a high-quality financial statement since there is a lack of understanding about the new waqf accounting standard that will be applied in 2021. The development of a comprehensive and down to earth guidance is crucial in helping the institutions apply the standard, with a help line as a backup. Continuous education and certification are also useful to enhance the skills of human resources in the waqf institutions concerning waqf management and accountability reporting.Keywords: Waqf Accountability, Waqf Reporting, Nazhir, ANP, Delphi Method Abstrak. Penelitian ini bertujuan untuk mengksplorasi bentuk pelaporan terbaik sebagai representasi akuntabilitas wakaf, dilihat dari perspektif nazhir, yang dalam hal ini adalah institusi wakaf di Indonesia. Metode yang digunakan adalah Analytic Network Process yang dikombinasikan dengan Delphi. Hasil penelitian ini menyimpulkan bahwa laporan keuangan yang diperoleh dari tingkat pertama adalah bentuk pelaporan terbaik. Akan tetapi, pemahaman institusi wakaf terhadap standar akuntansi wakaf terbaru yang akan diberlakukan pada tahun 2021 masih sangat kurang. Ini menyebabkan institusi wakaf mengalami kesulitan dalam menyusun laporan keuangan yang berkualitas baik. Pengembangan pedoman pelaporan yang komprehensif dan mudah dipahami diperlukan untuk membantu institusi wakaf. Hal ini perlu disertai layanan bantuan yang dapat diakses setiap saat. Pendidikan berkelanjutan dan sertifikasi juga dibutuhkan untuk meningkatkan keahlian sumber daya manusia di institusi wakaf terkait manajemen wakaf dan pelaporan akuntabilitas.Kata kunci: Akuntabilitas Wakaf, Pelaporan Wakaf, Nazhir, ANP, Metode Delphi

Akad Murokab on the DSN-MUI Fatwa and its Effect on Islamic Bank Funding Products Dede Abdul Fatah; Ach. Bakhrul Muchtasib; Indra Rahmatullah; Mustafa Zafer Soydan
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 14, No 1 (2022)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

The study determines whether Islamic bank management understands hybrid contracts in the DSN-MUI funding fatwa and its influence on developing funding products in Islamic banks. The type of research used is normative juridical to examine the application of Islamic legal rules both at the methodological level (uṣul fiqh) and fiqh rules and at the product level (fiqh). The primary data of this study comes from the DSN-MUI fatwa and interviews to explore the understanding of Islamic bank management towards hybrid contracts in the DSN-MUI funding fatwa. This study indicates that from eight fatwas on DSN- MUI funding products, only fatwa No. 86 and 87 containing hybrid contracts. There are several theoretical frameworks, standards, and limitations (ḍawābiṭ) that the DSN-MUI has determined. The study also shows that the management of Islamic banks, generally, has understood the theoretical framework, standards and limitations of hybrid contracts on Islamic bank funding products only in textual concept. The textual understanding can increase the portfolio of funding products. This can be evidenced by the increasing portfolio of muḍārabah savings and income smoothing programs at Islamic banks. Abstrak Penelitian ini mengkaji apakah manajemen bank syariah memahami kontrak hybrid dalam fatwa pendanaan DSN-MUI dan pengaruhnya terhadap pengembangan produk pendanaan di bank syariah. Metode yuridis normatif digunakan untuk mengkaji penerapan kaidah hukum Islam baik pada tataran metodologis (ushul fiqh) dan kaidah fikih maupun tataran produk (fikih). Data utama penelitian ini bersumber dari fatwa DSN-MUI dan wawancara untuk menggali pemahaman manajemen bank syariah terhadap multi akad pada fatwa pendanaan DSN-MUI. Penelitian ini menunjukan bahwa dari 8 fatwa produk pendanaan DSN-MUI hanya fatwa No. 86 dan 87 yang terdapat multi akad dengan beberapa kerangka teori, standar, dan batasan-batasan (ḍawābiṭ) yang telah ditentukan oleh DSN-MUI agar tidak terjeurumus pada multi akad yang dilarang. Penelitian ini juga menunjukan bahwa manajemen bank Syariah secara umum sudah memahami kerangka teori, standar dan batasan-batasan multi akad pada produk pendanaan bank Syariah pada konsep tekstual di mana dapat mempengaruhi peningkatan portofolio produk penadanaan. Hal ini dapat dibuktikan dengan meningkatnya portofolio tabungan mudharabah dan program income smoothing di bank Syariah.

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