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All Journal Jurnal Penelitian dan Pendidikan IPS Al-Madrasah: Jurnal Ilmiah Pendidikan Madrasah Ibtidaiyah Jurnal ULTIMA InfoSys JURNAL EKONOMI SYARIAH Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Tuturan: Jurnal Ilmu Komunikasi, Sosial dan Humaniora Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Ekonomi dan Manajemen Maslahah: Jurnal Manajemen dan Ekonomi Syariah Journal of Islamic Economics and Finance Santri : Jurnal Ekonomi dan Keuangan Islam Jurnal Pajak dan Analisis Ekonomi Syariah Jurnal Pengabdian Siliwangi KOPEMAS Pemberdayaan Masyarakat: Jurnal Aksi Sosial Sabar : Jurnal Pendidikan Agama Kristen dan Katolik Anugerah : Jurnal Pendidikan Kristiani dan Kateketik Katolik International Journal of Oil Palm
Joni Joni
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Prinsip-prinsip Syariah dalam Operasional Lembaga Keuangan Syariah Laila Maulida; Risa Aprilida; Halwa Halimatusadiyah; Fahmi Abdul Mukhsi; Joni Joni; Raihani Fauziyah
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 4 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i4.2787

Abstract

Islamic financial institutions have emerged as an alternative within the modern financial system, founded on Islamic values and principles. Their main objective is to realize justice, sustainability, balance, and collective welfare in economic activities. This study aims to provide an in-depth explanation of the Sharia principles underlying the operations of Islamic financial institutions, including the prohibition of riba (interest), gharar (uncertainty), and maysir (speculation), as well as the implementation of profit-sharing, justice, transparency, and trustworthiness in all business activities. The research employs a library study method with a qualitative-descriptive approach by analyzing relevant primary and secondary literature sources. The findings indicate that the implementation of Sharia principles not only differentiates Islamic financial institutions from conventional financial systems but also adds significant value through Islamic business ethics, social responsibility, economic sustainability, and protection of customer and community interests. Therefore, a comprehensive understanding of Sharia principles is essential to maintaining the integrity, public trust, and long-term sustainability of Islamic financial institutions in today’s era of global economic development.
Kajian Literatur Mengenai Subrogasi, Restorno, Endorsement, dan Klausula Pada Polis Asuransi Syariah Utari, Diana Putri; Widyaningtias, Anabilla Alma; Aslamiyah, Tsuwaebatul; Joni Joni; Fauziah, Raihani
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 11 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i11.7044

Abstract

This study aims to examine in depth the relationship between subrogation, restorno, endorsement, and clauses in sharia insurance policies, by reviewing their suitability based on the commercial law perspective contained in the Commercial Law Code (KUHD) and the principles of Islamic law that form the basis for the implementation of sharia insurance in Indonesia. The research also focuses on analyzing how these four elements are interrelated in forming a legal and operational structure for sharia insurance policies that is fair, transparent, and in accordance with sharia values. The research method used is descriptive qualitative with a library research approach, which collects data from various literature sources, such as books, journals, and regulations related to sharia insurance. The results of the study show that these four elements complement each other in forming the legal and operational structure of sharia insurance policies. Clauses form the basis of the agreement, endorsements serve to accommodate changes, subrogation maintains the sustainability of tabarru' funds, and restorno reflects fairness in the distribution of surpluses. The implementation of these elements must be in accordance with sharia principles, positive law, and DSN-MUI fatwas in order to create a fair, transparent, and sustainable insurance system.  
Analisis Perbandingan Keputusan Pendanaan Berbasis Ekuitas dan Sukuk dalam Perspektif Prinsip Syariah pada Perusahaan di Indonesia Puji Ayuni Anawawi; Indi Isnandini Fajrin; Reza Adiethya Nugraha; Joni Joni
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 2 (2026): April : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i2.2141

Abstract

This study aims to analyze the comparison of equity-based financing decisions and sukuk from the perspective of Sharia principles in companies in Indonesia. The development of the Islamic capital market in Indonesia shows a significant increase in the use of financing instruments that comply with Islamic principles, thereby encouraging companies to consider funding alternatives that are not only financially efficient but also Sharia-compliant. In the framework of Sharia financial management, capital structure decisions must consider the prohibition of usury, the principle of risk sharing, fairness in risk distribution, and contract certainty. This research uses a qualitative approach with a literature study method thru the analysis of various scientific journals, regulations, and academic sources related to capital structure theory, the concept of Sharia equity, and the characteristics of corporate sukuk in Indonesia. The study results indicate that equity-based financing provides flexibility in capital structure and reflects a risk-sharing mechanism, but it has the potential to cause ownership dilution. Meanwhile, sukuk offers asset-based financing with a clear contractual structure and does not dilute company ownership, although it requires an underlying asset and a more complex issuance process. Comparatively, both instruments have Sharia legitimacy as long as they meet the screening requirements and contract structures applicable in Indonesia. This research emphasizes that corporate financing decisions in Indonesia need to consider the balance between financial efficiency and compliance with Sharia principles.
Co-Authors Adek Diah Lestari Anggia Dhafa Irvani Annisyah Auliya Dicken Armansyah Halomoan Tambunan Asa Zahrani Aslamiyah, Tsuwaebatul Aulia Wulan Sari Ayu Cahyati Biki Zulfikri Rahmat Bintang Ramadhani Cantika Cantika Dara Tsanya Abdul Rohim Dede Maman Pathulrahman Desma Erica Maryati Elisabeth Nainggolan Eni Dia Ernita Laowo Fahmi Abdul Mukhsi Fajar Anugrah Fauziah, Raihani Fikri Putri Diniati Ganis Khairulysa Prasetiyo Hali Hali Halwa Halimatusadiyah Ilmia Safana Imanuel Revelino Murmanto Indi Isnandini Fajrin Juliati Juliati Kartika Syahrina Kiman Siregar Krisna Widia Laila Maulida Lia Wardatul Umah Lina Marlina Lisa Sababalat Lisna Novalia Loris Loris Margaret Wela Victoria Yanto Maryam Fany Mozes Lawalata Mufarizuddin Muhammad Arief Mustaqim Muhammad Aryandhi Fikri Muhammad Ikmal Muhammad Ramdan Ridwanullah Muhammad Syifa Muhammad Zahran Hidayatul Urfa Muslimah Muslimah Mustapa Mustapa Naila Alya Fadila Hilman Nali Eka Nurfitriani Nurfitriani NURUL AZIZAH Patrisius Liber Pesta Gultom Pina Uli Marbun Pipit Pipit Puji Ayuni Anawawi Putri Ika Mayang Ningrum Qurrata Miftaurrizka Radite Praeko Agus Setiawan Rahayu, Yessi Raihani Fauziah Raihani Fauziyah Ranti Dwi Aryanti Reka Octavia Reza Adiethya Nugraha Reza Liana Rezki Ilham Rifa Khoerunnisa Rinto Hasiholan Hutapea Risa Aprilida Risma Hermawati Apriliani Risma Syan Sabilla Ryan Cahya Nugraha Salis Azkia Sela Nur Aulia Semuel Linggi Topayung Sindi Setiawat Siti Nurfateha Sitip, Martinus sulang Solly Aryza Sonia Aufa Sudarmanto Syabrina Rindiani teguh prasandy Tsuwaebatul Aslamiyah Ummi Roudhatun Nashihah Utari, Diana Putri Vivi Indriani Wafa Jannatul Ma'wa Waode Ernawati Widyaningtias, Anabilla Alma Wulan Nur Safitri Yusep Rafiqi Yusep Rafiqi Zenita Alvina Fauziah Ziyanaroza Ziyanaroza