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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam El-Qist : Journal of Islamic Economics and Business (JIEB) Didaktika Religia Edunity: Kajian Ilmu Sosial dan Pendidikan Journal of Innovative and Creativity
Siti Musfiqoh
UIN Sunan Ampel Surabaya
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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KILAS BALIK EKONOMI ISLAM DI INDONESIA Musfiqoh, Siti
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The historical development of Islamic system economic in Indonesia reflects the dynamics of the aspirations and wishes of the Indonesian people themselves, to have an alternative fair economic system, in the real sector. as an alternative search process in the monetary system which is characterized by the principles of transparency, fairness, balance and ethics in creating a prosperous society materially and spiritually. The initial of this alternative search system, initiated by scientific studies about Islamic economic and financial. The result of those studies is the publication of islamic banking laws. The initial of Islamic economic system of banking began in the early 1980's, when the government issued a policy package on Banking liberalization.The scholars' at that time established an interest-free rate, bank Muamalat (Islamic banks) at the end of 1991 and operational in early 1992, but none of the legal device that can be used as a reference.This condition lasted until the year 1997, in which Indonesia was hit by the economic and moneter crisis.At that time, when conventional banks had been liquidated, , Islamic banks showed their existence and do not experience economic shocks. Aspiration of Indonesian people had been growing to have an Islamic financial institutions, non bank financial institutions and the banking through the application of system for a favorable outcome for the customer and the bank. Furthermore, the trial conducted by the public along with academics and practitioners to realize and practice the idea of monetary systems ranging from small-scale enterprises both bank and non bank financing are trying to apply the concept of revenue sharing. At this stage, the establishment of Islamic banks are seen as an indicator of economic progress is happening in Islamic economic, so almost society equate Islamic Economic with Islamic banks, or non-bank sharia financial institutions other. Though the scope of Islamic economics is much broader than just a Sharia finance. It covers macroeconomic concepts, micro-economic, fiscal, monetary, and also the much concept of economic development policies and instruments with all the variables.
رعاية الطفل بين الدين الإسلامي و القانون الوضعي Siti Musfiqoh
Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Vol 12 No 2 (2009): Al-Qanun Vol. 12, No. 2, Desember 2009
Publisher : Fakultas Syariah dan Hukum UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (625.311 KB) | DOI: 10.15642/alqanun.2009.12.2.339-358

Abstract

في هذه المقالة كتبت الباحثة عن حكم رعاية الطفل بين الدين الإسلامي و القانون الوضعي في إندونيسيا. إن الطفل في الإسلام يولد على الفطرة. فهو طاهر لا ذنب له، و لكونه جيل المستقبل اهتمه الإسلام اهتماما عظيما. فأمر الإسلام أن يربيه والداه تربية جيدة لكي نشأ الطفل في أسرة جيدة و بيئة طيبة. ولكن الأسف كان أكثر عملية العنف التي تصيب الطفل وقعت في الأسرة، فهذا يؤثر طبيعة الطفل في حياته، مع أن التربية مهمة و لكن التربية بالعنف هي شيء آخر. ففي إندونيسيا وضعت الحكومة قانونا لرعاية حقوق الطفل. يرجى بهذا القانون، يهتم الآباء حقوق طفلهم اهتماما جيدا و لا يصيبون العنف لطفلهم. من نتيجة هذا البحث، أن القانون الإندونيسي عن رعاية الطفل يطابق قاعدة الإسلام في تربية الطفل و هي أن يربي الآباء طفلهم بالمحبة و المودة حتى تكون الأسرة مكانا آمنا للطفل.
KILAS BALIK EKONOMI ISLAM DI INDONESIA Siti Musfiqoh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2011.1.1.1-14

Abstract

The historical development of Islamic system economic in Indonesia reflects the dynamics of the aspirations and wishes of the Indonesian people themselves, to have an alternative fair economic system, in the real sector. as an alternative search process in the monetary system which is characterized by the principles of transparency, fairness, balance and ethics in creating a prosperous society materially and spiritually. The initial of this alternative search system, initiated by scientific studies about Islamic economic and financial. The result of those studies is the publication of islamic banking laws. The initial of Islamic economic system of banking began in the early 1980's, when the government issued a policy package on Banking liberalization.The scholars' at that time established an interest-free rate, bank Muamalat (Islamic banks) at the end of 1991 and operational in early 1992, but none of the legal device that can be used as a reference.This condition lasted until the year 1997, in which Indonesia was hit by the economic and moneter crisis.At that time, when conventional banks had been liquidated, , Islamic banks showed their existence and do not experience economic shocks. Aspiration of Indonesian people had been growing to have an Islamic financial institutions, non bank financial institutions and the banking through the application of system for a favorable outcome for the customer and the bank. Furthermore, the trial conducted by the public along with academics and practitioners to realize and practice the idea of monetary systems ranging from small-scale enterprises both bank and non bank financing are trying to apply the concept of revenue sharing. At this stage, the establishment of Islamic banks are seen as an indicator of economic progress is happening in Islamic economic, so almost society equate Islamic Economic with Islamic banks, or non-bank sharia financial institutions other. Though the scope of Islamic economics is much broader than just a Sharia finance. It covers macroeconomic concepts, micro-economic, fiscal, monetary, and also the much concept of economic development policies and instruments with all the variables.
PINJAMAN ONLINE PERSPEKTIF EKONOMI ISLAM Fatimala Nur Fauzi; Diah Ayu Mulyaningsih; Warda Lutfiah; Siti Musfiqoh; Hakim Abdul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1638-1658

Abstract

Agama Islam sudah menjelaskan bahwa segala aktifitas ekonomi diperbolehkan untuk memenuhi kebutuhan hidup sehari-hari dengan syarat mekanisme untuk memenuhi berbagai macam kebutuhan tersebut tidak menyimpang dari ketentuan syari’ah yang ada dalam al-Qur’an dan Hadis yang menjadi sumber hukum pokok dalam agama, dan juga ijtihad para ulama. Kemajuan teknologi menjadikan aktifitas ekonomi ikut bergeser, di mana yang dulunya secara konvensional dengan mengharuskan bertemu secara fisik. Namun di era kemajuan teknologi ini, cara konvensional tersebut mulai ditinggalkan sebab kurang efisien dan seterusnya. Artikel ini ingin menjawab tentang bagaimana praktik pinjaman online perspektif ekonomi Islam?. Dengan metode studi pustaka, penulis akan menganalisis kasus yang terjadi di Solo terkait pinjaman online secara normatif dalam kaidah fikih ekonomi syariah, di mana hasil dari analisis kami dapat kami simpulkan bahwa pinjaman online yang ada di Solo cenderung mengandung madharat
PRIZE LOTS IN ISLAMIC PERSPECTIVE (Case Study of Lucky Draw at Bank BNI Syariah KCP Ampel Surabaya) Layyinah Layyinah; Umi Chabibah; Anisa Solikhawati; Abdul Hakim; Siti Musfiqoh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1659-1675

Abstract

Abstract This study aims to find out more about the law of prize lots according to the Islamic perspective. The prize lots with prizes is increasingly prevalent in the community, and is becoming a familiar thing. Prize lots is one form of allowing products in an institution, especially in the banking world. Prize lots in BNI Syariah banks is carried out to attract customers to transact using Syariah Banks. This study uses a qualitative method based on literacy theory and methods. This study is based on the laws that exist in the Qur'an, hadith, and fiqh rules that allow Prize lots with terms and conditions that do not come out of Islamic teachings. In this study, the practice of the iB Hasanah BNI Syariah Savings Prize lots is that the customer opens an iB Hasanah Savings account at Bank BNI Syariah KCP Ampel Surabaya and if the customer has a minimum balance or meets the requirements to participate in the lucky draw, the bank will automatically provide a lottery number for entered in a lottery to determine which customers are entitled to receive prizes. From this study, the authors can conclude that the practice of Prize lots with iB Hasanah Savings at Bank BNI Syariah KCP Ampel Surabaya is not a gambling practice (maysīr) which is forbidden by Islam because the practice does not fulfill the elements of gambling, namely the presence of a party who bets, the determination of the winner. and done face to face. Keywords: Prize lots, Lucky Draw, Islamic Bank, Prize           Abstrak Penelitian ini bertujuan untuk mengetahui lebih tentang hukum undian berhadiah menurut perspektif Islam. Undian berhadiah semakin marak di masyarakat, dan menjadi hal yang tidak asing lagi. Undian berhadiah menjadi salah satu bentuk memperkenankan produk di suatu lembaga, utamanya dalam dunia perbankan. Undian berhadiah dalam bank BNI Syariah dilakukan agar menarik nasabah untuk bertransaksi menggunakan Bank Syariah. Penelitian ini menggunakan metode kualitatif yang berlandaskan teori dan metode literasi. Penelitian ini didasarkan pada hukum yang ada di Al-Qur’an, hadits, dan kaidah-kaidah fikih yang membolehkan undian berhadiah dengan syarat dan ketentuan yang tidak keluar dari ajaran Islam. Dalam riset ini, praktik Undian Berhadiah Tabungan iB Hasanah BNI Syariah adalah nasabah membuka rekening Tabungan iB Hasanah di Bank BNI Syariah KCP Ampel Surabaya dan apabila nasabah telah memiliki saldo minimum atau memenuhi persyaratan untuk mengikuti undian berhadiah maka secara otomatis pihak bank akan memberikan nomor undian untuk diikutkan dalam undian untuk menentukan nasabah mana yang berhak mendapatkan hadiah. Dari penelitian ini, penulis dapat menyimpulkan bahwa praktik undian berhadiah Tabungan iB Hasanah pada Bank BNI Syariah KCP Ampel Surabaya bukanlah merupakan praktik judi (maisir) yang diharamkan oleh Islam karena praktek tersebut tidak memenuhi unsur-unsur judi yaitu adanya pihak yang bertaruh, adanya penentuan pemenang dan dialkukan secara berhadap-hadapan langsung. Kata Kunci : Undian Berhadiah, Bank Syariah, Hadiah
Life Style as Consumer Satisfaction in the Maqāṣid of Islamic Economics: Gaya Hidup sebagai Kepuasan Konsumen dalam Maqāṣid Ekonomi Islam Siti Musfiqoh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.83-99

Abstract

Human life will not be separated and is always related to economic activities: production, consumption, and distribution. Activities related to needs and wants A need that is manifested by various desires. In the conventional economic conception, needs and wants are inseparable. Because his stomach is hungry, a person who needs to eat will consider several desires when fulfilling that need. For example, when people feel hungry during the day, East Javanese people will be interested in eating clean vegetables with corn omelet, while others want Rawon with fried meat. Alternatively, people outside Java and even abroad will be different too. A person's desire will be closely related to the concept of satisfaction. On the other hand, in the era of modern society, especially in the era of post-modern society, how a person presents himself in front of others and how a person builds an identity in front of his social environment is in many ways influenced by his lifestyle and his construction in responding to the demands of society and the interests of society—the community behind it. Meanwhile, what kind of lifestyle is developed and displayed by a person in his social environment is generally influenced by the expansion of capital power or the cultural industry that deliberately designs and encourages the development of a lifestyle to benefit capital accumulation profits. Is that right?.
Antara Kaya dan Hina dalam Prespektif Filsafat Ekonomi Islam: Posisi Harta dalam Pembelajaran Hidup (Perspektif Pendidikan Islam) Musfiqoh, Siti
Didaktika Religia Vol. 4 No. 2 (2016): December
Publisher : Postgraduate Program, State Islamic Institute (IAIN) Kediri, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (496.129 KB) | DOI: 10.30762/didaktika.v4.i2.p183-204.2016

Abstract

Experts agree that the theory and practice of education should be based on thebasic conception of human beings, including the economic role therein. Educationis a symptom and human needs. In the sense that if someone does not get aneducation, then they will not be a real human being and will not be able to fulfillits function as a human being useful in life and living. The final goal of the HumanEssence in Islamic education is to create men in the concept of a perfect Moslemal-insan al-kamil, the man who always constancy and skilled in the functioningcontinuum of physical and their spiritual power to always be submissive andobedient to the holy God Almighty.
Hybrid Contracts in Islamic Financial Institutions: An Analysis of Multi-contract Models Musfiqoh, Siti; Sukamto, Sukamto
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v9i1.9847

Abstract

This study examines the development of multi-contract and parallel transaction models in Islamic financial institutions, focusing on the concept of hybrid contracts. As Islamic banking faces increasingly complex challenges, there is a growing need for innovative products that comply with Shariah principles while meeting modern business demands. The research employs a qualitative approach with descriptive analysis to explore the theoretical foundations, practical applications, and regulatory considerations of multicontracts in Islamic finance. The study identifies various models of hybrid contracts, including murabahah, musyarakah mutanaqishah, and ijarah, and analyzes their implementation in Islamic banking products. It also discusses the jurisprudential debates surrounding the permissibility of multi-contracts, highlighting the conditions and limitations set by Islamic scholars. The findings reveal that while multi-contracts offer solutions for product innovation in Islamic finance, their application must be carefully structured to avoid prohibited elements such as riba and gharar. The study concludes that the development of multi-contract models requires a balance between financial innovation and adherence to Shariah principles. This research contributes to the understanding of complex Islamic financial instruments and provides insights for practitioners, regulators, and researchers in the field of Islamic banking and finance.
Hybrid Contracts in Islamic Financial Institutions: An Analysis of Multi-contract Models Musfiqoh, Siti; Sukamto, Sukamto; Wati, Yuli Catur
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v9i1.9847

Abstract

This study examines the development of multi-contract and parallel transaction models in Islamic financial institutions, focusing on the concept of hybrid contracts. As Islamic banking faces increasingly complex challenges, there is a growing need for innovative products that comply with Shariah principles while meeting modern business demands. The research employs a qualitative approach with descriptive analysis to explore the theoretical foundations, practical applications, and regulatory considerations of multicontracts in Islamic finance. The study identifies various models of hybrid contracts, including murabahah, musyarakah mutanaqishah, and ijarah, and analyzes their implementation in Islamic banking products. It also discusses the jurisprudential debates surrounding the permissibility of multi-contracts, highlighting the conditions and limitations set by Islamic scholars. The findings reveal that while multi-contracts offer solutions for product innovation in Islamic finance, their application must be carefully structured to avoid prohibited elements such as riba and gharar. The study concludes that the development of multi-contract models requires a balance between financial innovation and adherence to Shariah principles. This research contributes to the understanding of complex Islamic financial instruments and provides insights for practitioners, regulators, and researchers in the field of Islamic banking and finance.
Potret Perempuan Fatayat-Muslimat NU Keputih Menggali Penguatan Ekonomi Keluarga dalam Konsepsi Al-Qur’an dan Al-Hadisth Musfiqoh, Siti; Fahimah, Rif'iyatul; Sukamto, Sukamto; Rozi, M. Fathur
Edunity Kajian Ilmu Sosial dan Pendidikan Vol. 2 No. 2 (2023): Edunity : Social and Educational Studies
Publisher : PT Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1877.798 KB) | DOI: 10.57096/edunity.v2i2.63

Abstract

Penelitian ini bertujuan untuk menggali penguatan ekonomi keluarga dalam konsepsi Al-Qur'an dan Al-Hadisth pada potret perempuan Fatayat-Muslimat NU keputih. Penelitian ini menggunakan pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa perempuan Fatayat-Muslimat NU keputih memiliki peran penting dalam menguatkan ekonomi keluarga. Mereka menerapkan konsep-konsep Al-Qur'an dan Al-Hadisth dalam kegiatan ekonomi sehari-hari, seperti mengelola usaha mikro, menabung, dan membantu keluarga dalam kegiatan produksi. Perempuan Fatayat-Muslimat NU keputih juga memiliki peran sosial dalam membantu masyarakat sekitar dan memperkuat jaringan ekonomi syariah. Dengan demikian, penelitian ini memberikan gambaran tentang bagaimana perempuan Fatayat-Muslimat NU keputih mengaplikasikan konsepsi Al-Qur'an dan Al-Hadisth dalam menguatkan ekonomi keluarga serta peran mereka dalam memperkuat ekonomi syariah di masyarakat.
Co-Authors Abdul Hakim Abdul Hakim Abu Yasid Anisa Solikhawati Anshori Anshori, Anshori Ayu Mulyaningsih, Diah CHABIBAH, UMI Diah Ayu Mulyaningsih Fahimah, Rif'iyatul Fatimala Nur Fauzi Hakim Abdul, Hakim Iskandar Ritonga Layyinah Layyinah Layyinah, Layyinah Lutfiah, Warda Nur Fauzi, Fatimala Nurhayati Nurhayati Rozi, M. Fathur Solikhawati, Anisa Sukamto Sukamto Umi Chabibah Warda Lutfiah Wati, Yuli Catur