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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 Yudistira 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 Library & Information Science 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.
WORKSHOP PEMBUATAN SUSU BERAS FORTIFIKASI DALAM UPAYA PERINTISAN USAHA DI DESA PEMATANG JOHAR Elisabeth Nainggolan; Desma Erica Maryati; Pesta Gultom; Joni Joni
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol. 4 No. 2 (2024): Desember 2024
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v4i2.2497

Abstract

Abstract: Community service is one of the Tri Dharma of Higher Education which is carried out as a form of contribution from academics, namely lecturers and students, to community development, which can be done through providing training in creative economic practices to improve people's skills which can be used as a basis for becoming MSMEs. The contribution of MSMEs to Indonesia's Gross Domestic Product (GDP) is quite large, therefore it is very important to have creativity and skills that can be used as capital in starting a business. Utilizing the local wisdom of an area into creative products with economic value is very necessary to create new businesses. Fortified Rice Milk is a creative product that can be made using rice as raw material. Pematang Johar Village is one of the villages in the city of Medan that produces rice. This workshop on making fortified rice milk aims to provide training that can improve the skills of housewives in Pematang Johar village as capital in starting a business.Keyword: fortified milk; rice; creative economy, MSMEs Abstrak: Pengabdian kepada masyarakat adalah salah satu dari Tri Dharma Perguruan Tinggi yang dilakukan sebagai bentuk kontribusi akademisi yaitu dosen dan mahasiswa untuk pengembangan masyarakat yang bisa dilakukan lewat pemberian pelatihan praktik ekonomi kreatif untuk meningkatkan keterampilan masyarakat yang bisa dijadikan dasar untuk menjadi pelaku UMKM. Kontribusi UMKM terhadap Produk Domestik Bruto (PDB) Indonesia cukup besar karena itu penting sekali untuk memiliki kreatifitas dan keterampilan yang dapat dijadikan sebagai modal dalam merintis usaha. Pemanfaatan kearifan lokal suatu daerah menjadi produk kreatif yang bernilai ekonomis sangat diperlukan untuk mewujudkan usaha baru. Susu Beras Fortifikasi merupakan salah satu produk kreatif yang dapat dibuat menggunakan bahan baku beras. Desa Pematang Johar adalah salah satu desa di kota Medan yang menghasilkan beras. Workshop pembuatan susu beras fortifikasi ini bertujuan untuk memberikan pelatihan yang dapat meningkatkan keterampilan ibu rumah tangga di desa Pematang Johar sebagai modal dalam merintis usaha.Kata kunci: susu fortifikasi; beras; ekonomi kreatif, UMKM
Optimalisasi Pengelolaan Tanah Bengkok dalam Pemenuhan Penghasilan Tetap Aparatur Pemerintah Desa: Analisis Yuridis Undang-Undang Desa dan Peraturan Pemerintah Nomor 11 Tahun 2019 Joni Joni; Sanusi Sanusi; Soesi Idayanti
Jurnal Yudistira : Publikasi Riset Ilmu Pendidikan dan Bahasa Vol. 4 No. 3 (2026): Juli : Jurnal Yudistira : Publikasi Riset Ilmu Pendidikan dan Bahasa
Publisher : Asosiasi Riset Ilmu Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/yudistira.v4i3.2938

Abstract

Village autonomy guaranteed by Law Number 6 of 2014 on Villages positions customary service land (tanah bengkok) as part of the village's original wealth, traditionally used as in-kind compensation for the Village Head and Village Officials. Following the enactment of Government Regulation Number 11 of 2019 on the Second Amendment to Government Regulation Number 43 of 2014, the financing pattern for the fixed income of village officials underwent a paradigmatic shift: fixed income is now charged to the Village Fund Allocation, while proceeds from the management of customary service land are positioned as a supplementary allowance outside the Village Budget revenue structure. This shift generates distinct juridical complexity, since it concerns the legal status of communal village assets that must be managed transparently and accountably amid conventional practices still centred on individual control by incumbent village officials. This article aims to analyse the legal standing of customary service land as village-owned property, to construct the normative framework of fixed income under the two legal instruments, and to formulate an innovative, participatory, and legally certain model for optimising its management. This research employs a normative juridical method with statute and conceptual approaches. The study finds that optimisation requires reorienting management from an individual cultivation-right pattern toward an institution-based asset management pattern, through utilisation cooperation schemes, digitalisation of village asset databases, strengthened supervisory roles for the Village Consultative Body, and harmonisation of local regulations with higher norms to prevent regulatory overlap and abuse of authority.
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 Manik 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 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 SANUSI SANUSI Sela Nur Aulia Semuel Linggi Topayung Sindi Setiawat Siti Nurfateha Sitip, Martinus sulang Soesi Idayanti 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