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All Journal Al-Ulum Istinbath: Jurnal Hukum dan Ekonomi Islam
Amiur Nuruddin
Unknown Affiliation
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Manajemen Resiko Pembiayaan pada Bank Syariah: Suatu Tinjauan Filsafati Iskandar Iskandar; Amiur Nuruddin; Saparuddin Siregar
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1189.483 KB) | DOI: 10.30603/au.v17i1.25

Abstract

This article is a continuation of the discourse on the concerns and dilemmas of the development of Islamic banking among the financing of profit sharing with the mark-up system (murabah). This study attempts to explain the reasons for saturation of sharia banks in financing the profitsharing. It aims to present the principles of risk-sharing financing management and also strive to offer its philosophical construction. Funding risk management principles in sharia banks should refer to the principle of tauhid. On the basis of these basic principles, general principles of risk management of musharaa are ibnādah, ibāah, freedom of contract, consensus, principles of engagement, principles of equilibrium and partnership, benefit, trust, justice, democracy and, fath aż-żarīah. These principles are based on four conscious awareness risk, should not direct itself in loss (wa la tulkuu), awareness on the obligation to do good deeds (wah ahshinu) and transcendental awareness (wa-takuw).
ISLAMIC HUMAN DEVELOPMENT INDEX DI INDONESIA (SUATU PENDEKATAN MAQHASID SYARIAH) Rukiah Rukiah; Amiur Nuruddin; Saparuddin Siregar
istinbath Vol 18 No 2 (2019): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1244.487 KB)

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis IndexPembangunan Manusia di Indonesia dengan pedekatan Maqhasid Syariah.Sampel penelitian adalah 33 provinsi di Indonesia. Metode penelitian memakaianalisis kuantitatif deskriptif. Hasil penelitian menunjukkan Islamic HumanDevelopment Index di semua provinsi di Indonesia yang masih rendah dan masihterjadi kesenjangan. Peran Kesejahteraan non material (Non Material Walfare)dalam pembentukan Islamic Human Development Index (IHDI) lebih dominandibanding kesejahteraan material (Material Walfare). Rekomendasi penelitianadalah (1) perlunya pemerintah daerah dan pusat untuk meningkatkanperan kebijakan fiskal bidang pendidikan dan kesehatan guna tercapaiannyamanusia berkualitas yang akan berimbas pada kemampuan dalam peningkatankesejahtearaan material (Material Walfare ) masyarakat. (2) Pemerintah harus terus dapat meningkatakan pertumbuhan ekonomi yang menggerakkan sektorRiil di daerah dan pusat agar kesejahteraan material meningkat. Meninjaukembali ukuran-ukuran pembangunan dengan pendekatan Maqhasid Syariahagar tercipta kemaslahatan.
Co-Authors Iskandar Iskandar Rukiah Rukiah Saparuddin Siregar