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THE IMPLEMENTATION OF NATIONAL SHARIA BOARD’S FATWA NUMBER 108 YEAR 2016 ABOUT SHARIA TOURISM ON HALAL TOURISM PRODUCTS Muhammad Rifqi Hidayat; Parman Komarudin
Akademika : Jurnal Pemikiran Islam Vol 24 No 2 (2019)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.511 KB)

The fatwa of the National Sharia Board (DSN), specifically aimed to Islamic financial institutions (LKS), is always binding and must be adhered by Islamic financial institutions based on Undang-Undang Nomor 21 Tahun 2008 about Sharia Banking. But not in the DSN Fatwa Number 108 about sharia tourism, because there are not regulations of legislation in Indonesia that require sharia-related tourism elements to observe this fatwa. So, this research is carried out to analyze how sharia travels agencies Practice if reviewed by DSN fatwa. Data will be taken from PT. Rizma Tour & Travel which has halal tourism products, with a triangulation system through interviews, observation, and documents. The data used analyzed qualitatively using a juridical-sociological approach. The results of this research that PT. Rizma has implemented all the conditions required by the fatwa according to their needs on business basis, even though juridical it is not as ideal as what the DSN wants. Then needed a legal basis to raise the DSN fatwa of sharia tourism in order that must be implemented by businessmen, this is the technical instructions that contain the way of implementations and exceptions in application on the field.

Perbandingan Maslahah dan Mafsadah dalam Pembebasan Tanah Menuju Bandara Syamsudin Nor Banjarbaru Muhammad Rifqi Hidayat; Parman Komarudin
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 8, No 1 (2022): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v8i1.7857

Penelitian ini bertujuan untuk membandingkan unsur maslahah dan mafsadah dalam pembebasan hak milik atas tanah untuk pelebaran jalan menuju bandara Syamsudin Noor Landasan Ulin Banjarbaru. Penelitian ini tergolong penelitian normatif yang didukung dengan data empiris. Data dalam penelitian ini penulis kumpulkan melalui observasi dan wawancara, serta kemudian dianalisis secara deskriptif menggunakan grafik Maslahah Mursalah Lahsasna. Hasil penelitian berdasarkan data yang diperoleh di sini menunjukkan bahwa derajat maslahah dalam praktik pembebasan tanah untuk pelebaran jalan menuju bandara Syamsudin Noor ini lebih besar dibandingkan mafsadahnya. Dengan demikian, praktik tersebut dapat disyariatkan dan dihukumi mubah. This study aims to compare the elements of maslahah and mafsadah in the acquisition of land ownership rights for widening the road to Syamsudin Noor Airport, Landasan Ulin Banjarbaru. This research is classified as normative research which is supported by empirical data. The data in this study were collected through observation and interviews, and then analyzed descriptively using Lahsasna’s Maslahah Mursalah charts. The results of the study based on the data obtained indicate that the degree of maslahah in the practice of land acquisition for widening the road to Syamsudin Noor airport is greater than the mafsadah. Thus, the practice can be prescribed and judged permissible.

Telaah Kritis Terhadap Upaya Peningkatan Literasi Keuangan Melalui Tabungan Sekolah Muhammad Rifqi Hidayat; Rusdiana Rusdiana
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 9 No. 1 (2021)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v9i1.34028

The purpose of this study is to analyze how the implementation of efforts to increase financial literacy through student savings at elementary school level students in the city of Banjarmasin, as well as to formulate an ideal student savings concept to maximize the results of efforts to increase financial literacy. This research is qualitative field research accompanied by a quantitative survey to 412 respondens from 18 different schools of students' saving behavior, which then will be analyzed descriptively. The results showed that only 38.1% of respondents independently allocated a portion of their allowance for savings. 11 of the 18 schools that become research sites manage their student savings independently with manual recording via a passbook or Microsoft Excel. Seven other schools have collaborated with banking institutions, but banks are only able to visit one to two times per week. Thus, parents of students need to have a good understanding of how to teach their children to save. The recording of student savings should also be supported by a web-based system that can be monitored by the teacher, students, and student guardians. Schools should also continue to receive student savings deposits every day with independent registration, to then be deposited at the same time when the bank visits the school.

Klasifikasi Topik Pembahasan Mahasiswa ITS dalam Bermedia Sosial Menggunakan Latent Dirichlet Allocation Rakhmawati, Nur Aini; Hidayat, Muhammad Rifqi; Fano, Naufal Firjatulloh; Margaretha, Ribka Devina; Rasendriya, Zada Alfarras
JIEET (Journal of Information Engineering and Educational Technology) Vol. 8 No. 1 (2024)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jieet.v8n1.p30-35

Media sosial sudah menjadi bagian dari kehidupan sehari-hari masyarakat segala kalangan di era digital ini. Di tengah maraknya penggunaan media sosial ini mahasiswa Institut Teknologi Sepuluh Nopember (ITS) ikut serta dalam berdiskusi di berbagai media sosial mengenai topik seputar kampus. Salah satu platform yang populer di kalangan mahasiswa ITS adalah Twitter. Pada platform ini terdapat sebuah akun media sosial yaitu @its_fess. @its_fess adalah akun Twitter yang dikelola oleh mahasiswa ITS untuk berbagai pemikiran, cerita, dan topik-topik yang berkaitan dengan kehidupan di ITS secara anonim. Dengan fenomena ini dibutuhkan suatu pemodelan topik yang mampu mengklasifikasi topik pembahasan mahasiswa ITS di media sosial, khususnya pada akun @its_fess. Pemodelan topik dilakukan menggunakan metode Latent Dirichlet Allocation (LDA), sebuah algoritma text mining untuk mengidentifikasi topik utama yang terdapat pada sebuah dokumen. Eksperimen pemodelan topik dengan metode LDA menyimpulkan bahwa jumlah topik yang terdapat dalam twit @its_fess adalah 20 topik. twit dari akun @its_fess dikumpulkan menggunakan teknik scrapping. Hasil twit tersebut direprocessing untuk selanjutnya dianalisis dengan metode LDA. Hasil pemodelan topik dievaluasi menggunakan perhitungan nilai koherensi. Evaluasi model mendapatkan nilai koherensi sebesar 0.518712 untuk jumlah topik sebanyak 20. Nilai ini menunjukkan bahwa model yang digunakan baik untuk menganalisis topik dalam twit pada @its_fess. Kata Kunci— Mahasiswa, Twitter, Pemodelan Topik, Latent Dirichlet Allocation, Nilai Koherensi

Penerapan Konsumsi Islami Dalam Pandangan Maqashid Syariah Arifudin Arifudin; Muhamad Sidqi Mauludin; Rofi Uddarojat; Prasetiyo Yulianto; Muhammad Rifqi Hidayat
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 3 (2024): Mei : MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i3.548

Islamic consumption is the activity of using or utilizing goods or services that are guided by Islamic values. There has been a lot of research that examines Islamic consumption, but there is still little research that discusses Islamic consumption from the perspective of Markash law. Documentary research is a research method where the researcher is present and plays a role in collecting data, processing data, presenting and analyzing data, and writing conclusions. The findings show that Islamic consumption must adhere to principles such as sharia or divine principles, the principle of quantity accuracy, the principle of prioritization of needs, and moral principles. Meanwhile, in Islamic law, Islamic consumption must be able to achieve the preservation of religion, the preservation of lineage, the preservation of reason, the preservation of soul, and the preservation of property. All the principles contained in Islamic consumption are intended to make Muslim consumption a form of worship, provide benefits and eliminate evil in accordance with sharia law.

THE IMPLEMENTATION OF NATIONAL SHARIA BOARD’S FATWA NUMBER 108 YEAR 2016 ABOUT SHARIA TOURISM ON HALAL TOURISM PRODUCTS Hidayat, Muhammad Rifqi; Komarudin, Parman
AKADEMIKA: Jurnal Pemikiran Islam Vol 24 No 2 (2019)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v24i2.1777

The fatwa of the National Sharia Board (DSN), specifically aimed to Islamic financial institutions (LKS), is always binding and must be adhered by Islamic financial institutions based on Undang-Undang Nomor 21 Tahun 2008 about Sharia Banking. But not in the DSN Fatwa Number 108 about sharia tourism, because there are not regulations of legislation in Indonesia that require sharia-related tourism elements to observe this fatwa. So, this research is carried out to analyze how sharia travels agencies Practice if reviewed by DSN fatwa. Data will be taken from PT. Rizma Tour & Travel which has halal tourism products, with a triangulation system through interviews, observation, and documents. The data used analyzed qualitatively using a juridical-sociological approach. The results of this research that PT. Rizma has implemented all the conditions required by the fatwa according to their needs on business basis, even though juridical it is not as ideal as what the DSN wants. Then needed a legal basis to raise the DSN fatwa of sharia tourism in order that must be implemented by businessmen, this is the technical instructions that contain the way of implementations and exceptions in application on the field.

Khurūj sebagai Syarat Pernikahan Jamā’ah Tablīgh Pakapuran Amuntai Kalimantan Selatan Hidayat, Muhammad Rifqi
Al-Hukama': The Indonesian Journal of Islamic Family Law Vol. 4 No. 1 (2014): Juni
Publisher : Islamic Family Law Department, Sharia and Law Faculty, UIN Sunan Ampel Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/al-hukama.2014.4.1.20-53

This article discusses the term of khuruj as a requirement of applying marriage for Jamaah Tabligh of Pakapuran Amuntai, South Kalimantan. This requirement is due to their belief that khuruj is a powerful tool to increase faith, while faith itself is the most important provision for the life of the world and in the hereafter, including marriage. In addition, the reservation stems from their fear about the inability of their young people in doing khuruj in a long time due to a variety of busy after marriage, as well as a manifestation of the Prophet Muhammad’s suggestion to fill youth with obedience to God. Khurūj, as a condition of marriage in the case of the Jamaah Tabligh’s members, is basically not regulated in Islamic law. Islamic law only requires the prospective groom to pays dowry to bride or do covenant of marriage. Within the perspective of the marriage covenant, it appears that the elements contained in such cases are in line with what is required in the legal basis and the terms of the marriage covenant. Therefore khurūj is not prohibited in Islamic law. [Artikel ini membahas tentang Khurūj sebagai Syarat Pernikahan Jamā‟ah Tablīgh Pakapuran Amuntai Kalimantan Selatan. Disyaratkannya khurūj dalam pernikahan Jamā‟ah Tablīgh Pakapuran Amuntai Kalimantan Selatan dikarenakan keyakinan mereka bahwa khurūj merupakan salah satu sarana yang ampuh untuk meningkatkan iman, sedangkan iman itu sendiri adalah bekal yang paling utama untuk kehidupan di dunia maupun di akhirat, termasuk pernikahan. Selain itu pensyaratan tersebut berpangkal dari kekhawatiran mereka akan ketidaksanggupan para pemudanya untuk melakukan khurūj dalam waktu yang lama akibat berbagai kesibukannya pasca pernikahan, sekaligus sebagai manifestasi dari anjuran Nabi Muhammad untuk mengisi masa muda dengan ketaatan kepada Allah. Khurūj sebagai syarat nikah dalam kasus pernikahan anggota Jamā‟ah Tablīgh ini pada dasarnya tidak diatur dalam hukum Islam. Hukum Islam hanya mewajibkan calon mempelai laki-laki membayarkan mahar kepada calon mempelai wanita atau mengadakan perjanjian pernikahan. Namun ketika ditilik dari perspektif perjanjian pernikahan, terlihat bahwa unsur-unsur yang terdapat dalam kasus tersebut selaras dengan apa yang dikehendaki dalam dasar hukum serta syarat perjanjian pernikahan. Oleh karena itu pensyaratan khurūj tersebut tidak dilarang secara hukum.]

Beyond The Intention of Generation Z to Work at Islamic Banks: Case of Universitas Islam Negeri Antasari and Universitas Lambung Mangkurat Students Mujalipah , Mujalipah; Hidayat, Muhammad Rifqi
At-Taradhi Jurnal Studi Ekonomi Vol 15 No 2 (2024): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v15i2.14804

This study examines the influence of learning motivation, perception of Islamic banks, and religiosity on students' interest in careers in Islamic banks. The research was conducted at Antasari State Islamic University and Lambung Mangkurat University with 100 respondents selected using purposive sampling. Data were collected through a Likert scale questionnaire and analyzed using SPSS with multiple linear regression. The results of the study showed that religiosity had a significant influence on career interest in Islamic banks, while learning motivation and perception of Islamic banks partially did not show a significant influence. However, simultaneously, these three variables have a significant influence on career interest with a contribution of 69.1%. These findings show that religiosity is a decisive factor in shaping students' career preferences, as well as indicating the need for Islamic banks to adjust branding strategies and work policies to attract the interest of Generation Z. Penelitian ini mengkaji pengaruh motivasi belajar, persepsi terhadap bank syariah, dan religiusitas terhadap minat mahasiswa dalam berkarir di bank syariah. Penelitian dilakukan di Universitas Islam Negeri Antasari dan Universitas Lambung Mangkurat dengan melibatkan 100 responden yang dipilih menggunakan metode purposive sampling. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan SPSS dengan regresi linier berganda. Hasil penelitian menunjukkan bahwa religiusitas memiliki pengaruh signifikan terhadap minat berkarir di bank syariah, sedangkan motivasi belajar dan persepsi terhadap bank syariah secara parsial tidak menunjukkan pengaruh yang signifikan. Namun, secara simultan, ketiga variabel ini memiliki pengaruh signifikan terhadap minat berkarir dengan kontribusi sebesar 69,1%. Temuan ini menunjukkan bahwa religiusitas merupakan faktor penentu dalam membentuk preferensi karir mahasiswa, serta mengindikasikan perlunya bank syariah menyesuaikan strategi branding dan kebijakan kerja untuk menarik minat generasi Z.

Tinjauan Fiqih Muamalah terhadap Pola Kemitraan Antara Koperasi Dan PT. Alam Jaya Persada Andika, Reza; Darmawati, Darmawati; Hidayat, Muhammad Rifqi
Ghaly: Journal of Islamic Economic Law Vol 1 No 1 (2023): Ghaly: Journal of Islamic Economic Law
Publisher : Islamic Economic Law Study Program, Faculty of Sharia Sultan Aji Muhammad Idris Samarinda Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/ghaly.v1i1.5843

Penelitian ini dilatarbelakangi oleh adanya perjanjian antara PT. Alam Jaya Persada dengan Koperasi Mitra Amanah Maju Sejahtera dalam hal pengelolaan dan pembangunan perkebunan sawit. Dalam isi perjanjian tersebut dijelaskan tentang pembagian wilayah serta sistem bagi hasil perkebunan sawit. Tetapi dalam proses pembagian hasil produksi tandan buah segar adakalanya tidak 1 (satu) bulan sekali. Oleh karena itu, perlu ditinjau lebih lanjut terkait pola kemitraan antara kedua belah pihak, dan bagaimana tinjauan fiqih muamalah terkait perjanjian ini. Jenis penelitian yang digunakan dalam penelitian ini adalah jenis penelitian normatif-empiris, dengan menggunakan pendekatan deskriptif kualitatif. Subjek penelitian ini adalah PT. Alam Jaya Persada dan Koperasi Mitra Amanah Maju Sejahtera. Objek penelitian ini adalah Surat Perjanjian antara PT. Alam Jaya Persada dengan Koperasi Mitra Amanah Maju Sejahtera. Sumber data penelitian meliputi data primer, yaitu wawancara dengan asisten lapangan, ketua koperasi dan anggota koperasi; dan data sekunder sebagai data pendukung adalah Peraturan Menteri Pertanian dan Surat Perjanjian antara PT. Alam Jaya Persada dengan Koperasi Mitra Amanah Maju Sejahtera, buku, jurnal dan referensi lainnya. Teknik pengumpulan data dilakukan dengan melakukan observasi, wawancara dan dokumentasi. Teknik analisis data dilakukan dengan cara deskriptif kualitatif yaitu menggambarkan, memaparkan hasil wawancara kemudian menganalisis. Hasil penelitian yang penulis simpulkan, pola kemitraan Koperasi Mitra Amanah Maju Sejahtera dan PT. Alam Jaya Persada merupakan pola kemitraan intiplasma dan memiliki sistem bagi hasil yaitu 65% dan 35%. Bentuk perjanjian yang dilakukan adalah perjanjian tertulis. Dalam fiqh muamalah terdapat 3 akad perkebunan yaitu musaqoh, muzara’ah dan mukhabarah. Musaqoh adalah kerjasama antara pemilik lahan dengan penggarap, dimana penggarap hanya perlu merawat tanamannya saja. Muzara’ah adalah kerjasama antara pemilik lahan dengan penggarap, tetapi biaya dan benih berasal dari pemilik lahan. Mukhabarah adalah kerjasama pemilik lahan dengan penggarap yang dimana pemilik lahan menyerahkan lahannya kepada penggarap untuk dikelola kemudian benih berasal dari penggarap. Berdasarkan tinjauan fiqih muamalah akad yang digunakan dalam perjanjian ini termasuk akad mukhabarah. Dalam perjanjian ini juga telah memenuhi rukun dan syarat mukhabarah dan sesuai dengan peristiwa yang terjadi di lapangan.

Ta’widh in Non-Debt Banking Products: A Study on Islamic Banks in Indonesia Hidayat, Muhammad Rifqi; Mumtazah, Fitria
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 2 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i2.18550

The purpose of this research is to examine the imposition of sanctions for customers on sharia term savings products, and to analyze them based on the 43rd fatwa of the National Sharia Council on Compensation (Ta'widh). This is a qualitative field research conducted to five Islamic banks in Indonesia, using inductive-interpretive analysis techniques. The data in this research the research are collected through interviews with the bank, direct observation to the bank, and study of documents through brochures and the bank's official website. The results of the research show that the five banks that are the subject of this research impose administrative fee sanctions for customers who close their accounts before the time period expires, and two of them also impose penalty fees for customers who are late in making deposits. This sanction arises if the customer breaches the contract, and because there are three banks of which suffer losses due to having to pay premiums for free insurance facilities for customers in the product. The costs of these two sanctions have been set by the bank since the beginning of the contract, and the bank will recognize it as profit. The results of the analysis show that only two of the ten provisions of the 43rd DSN fatwa were fulfilled by the five banks, and there were four provisions that the five banks could not fulfill. So we proposes that the sanctions for customers who delay deposits are set by the bank in the form of fines for social purposes as self-punishment, and that banks state clearly at the beginning of the contract that the free account closing fee only applies to customers who close their accounts according to the agreed time period only.

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