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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam At-Taradhi: Jurnal Studi Ekonomi I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Al-Qardh Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam al-Afkar, Journal For Islamic Studies Al-Muzara'ah Varia Justicia Ihtifaz: Journal of Islamic Economics, Finance, and Banking TSAQAFAH Journal of Indonesian Tourism, Hospitality and Recreation JIFA (Journal of Islamic Finance and Accounting) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Journal of Sustainable Tourism and Entrepreneurship Journal of Islamic Economics and Finance Studies Niqosiya: Journal of Economics and Business Research Share: Jurnal Ekonomi dan Keuangan Islam Journal Of Human And Education (JAHE) Transformatif: Jurnal Pengabdian Masyarakat Jurnal Manajemen Stratejik dan Simulasi Bisnis Islamiconomic: Jurnal Ekonomi Islam Mabsya: Jurnal Manajemen Bisnis Syariah ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Maqdis: Jurnal Kajian Ekonomi Islam Journal of Economics JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Danadyaksa: Post Modern Economy Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah JIFA (Journal of Islamic Finance and Accounting)
Aminudin Ma'ruf
Universitas Negeri Surabaya
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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CSR CONTRIBUTION TO SOCIO-ECONOMIC DEVELOPMENT: EVIDENCE FROM INDONESIAN ISLAMIC BANKS Muneeza, Aishath; Ma'ruf, Aminudin; Alam, Shahbaz
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 3, No 1 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2018.24 KB) | DOI: 10.12928/ijiefb.v3i1.949

Abstract

Islamic banks play a significant role in social and environmental responsibility. It is known that Islamic finance is not merely profit-oriented but also looking at the prosperity of the society, as an ethical financial system Islamic finance give a massive contribution towards social responsibility. This exploratory study examines the relations between corporate social responsibility (CSR) practices of Indonesian Islamic banks and socio-economic development. The evidence presented is based on the published annual reports of 13 Islamic commercial banks in 2017. The findings of this research suggests that CSR is a priority of Indonesian Islamic banks and has correlation to the socio-economic development. Furthermore, the findings suggest that the robust guiding principles on CSR need to be developed and it has potential of Islamic banks credibility and profitability.
CSR Contribution to Socio-Economic Development: Evidence from Indonesian Islamic Banks Aishath Muneeza; Aminudin Ma'ruf; Shahbaz Alam
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 3 No. 1 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i1.949

Abstract

Islamic banks play a significant role in social and environmental responsibility. It is known that Islamic finance is not merely profit-oriented but also looking at the prosperity of the society, as an ethical financial system Islamic finance give a massive contribution towards social responsibility. This exploratory study examines the relations between corporate social responsibility (CSR) practices of Indonesian Islamic banks and socio-economic development. The evidence presented is based on the published annual reports of 13 Islamic commercial banks in 2017. The findings of this research suggests that CSR is a priority of Indonesian Islamic banks and has correlation to the socio-economic development. Furthermore, the findings suggest that the robust guiding principles on CSR need to be developed and it has potential of Islamic banks credibility and profitability.
How do Baitul Maal Wat Tamwil empower Micro, Small and Medium Enterprises amidst COVID-19 pandemic? A case of Indonesia Aminudin Ma'ruf; Elmi Nur Azizah; Jannah Arrum Sari
JIFA (Journal of Islamic Finance and Accounting) Vol. 5 No. 1 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jifa.v5i1.5357

Abstract

During the COVID-19 pandemic, Baitul Maal Wat Tamwil (BMT) in Sukoharjo, a region of Indonesia is consistently contributing to the empowerment of Micro, Small and Medium Enterprises (MSMEs). Hence, how the BMT empowers the MSMEs is a worthy attribute to explore. The current study delves into an in-depth exploration on the strategies and policy innovations carried out by the BMTs as well as to analyse the impact or influence caused by the existence of these strategies. The method used in this research is field research with a qualitative approach. Data collection techniques were carried out through observation with interviews with various related parties. The results showed that the empowerment strategy carried out by BMT Dana Mulia and BMT Makmur Mandiri was by implementing a restructuring policy in an effort to maintain the stability of the institution's operations. Meanwhile, BMT Bina Ummah Sejahtera has tightened risk mitigation by making efforts to be more careful in conducting financing and deposit transactions, using online media and the three BMTs providing business assistance. The influences that arise with this strategy are providing ease of capital assistance during the COVID-19 pandemic, assisting business development of MSMEs, minimizing the risks faced by MSMEs, and encouraging the spirit of MSMEs in marketing their businesses.
Why is PayLater Scheme via E-commerce Prohibited in Islam? Islamic Law Overview Nur Rizqi Febriandika; Ahmad Syaifuddin; Aminudin Ma'ruf
Varia Justicia Vol 18 No 2 (2022): Vol 18 No 2 (2022)
Publisher : Fakultas Hukum Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/variajusticia.v18i2.6759

Abstract

The internet has now been used as a medium for Online shopping; one of the media for Online shopping is e-commerce. Currently, a delayed payment system (debt) called PayLater has been implemented in e-commerce. The purpose of this study is to find out how the usage of PayLater in e-commerce is based on the perspective of Islamic law. This type of research is qualitative. Data collection methods used are library research, observation, and interviews. This study uses descriptive data analysis techniques, namely analyzing a phenomenon or social reality, by describing variables that are concerned with the problem and unit being studied and analyzed descriptively qualitatively using an inductive thinking approach, namely a way of thinking that departs from facts, events that occur. Then from the specific and concrete facts, generalizations that have a general nature are drawn. The results of the study prove that the law of buying and selling online according to Islamic law is valid as long as it does not contain haram elements and the goods being traded are halal. However, the practice of PayLater loans is not in accordance with Islamic law because there is an element of usury contained in it.
Does Research Centre in Zakah Institution Can be Considered as Zakah Workers or fī Sabilillah? Aminudin Ma'ruf
Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Vol 25 No 2 (2022): Al-Qanun, Vol. 25, No. 2, Desember 2022
Publisher : Fakultas Syariah dan Hukum UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/alqanun.2022.25.2.141-150

Abstract

Many research centres have emerged in zakat institutions to encourage the efficiency of zakat fund management. It is a positive effort to optimize the use of zakat funds. This study aims to analyze the law on using zakat funds for research centres. To achieve this goal, this article compares the practice of IDEAS (Indonesia Development and Islamic Studies) research centre Dompet Dhuafa with the fiqh concept of eight groups of zakat recipients. This research will focus on defining the meaning of fī sabīlillah (for the cause of Allāh) and āmil (those employed for zakat) for eight groups of zakat expenditures by looking at the practice of Dompet Dhuafa in Indonesia. The results of this study indicate that research centres of zakat institutions can be considered 'amil if they have official permission from the government. However, research centres that do not have legal permits cannot be given zakat funds. This study will come with results from an Islamic perspective and suggestions for future research.   Abstrak: Dengan munculnya banyak pusat penelitian di lembaga zakat untuk mendorong efisiensi pengelolaan dana zakat, hal tersebut merupakan upaya positif untuk mengoptimalkan penggunaan dana zakat. Penelitian ini bertujuan untuk menganalisis hukum penggunaan dana zakat ke pusat penelitian. Untuk mencapai tujuan tersebut, artikel ini mencoba membandingkan praktik IDEAS (Indonesia Development and Islamic Studies) pusat penelitian Dompet Dhuafa dengan konsep fikih tentang delapan kelompok penerima zakat. Penelitian ini akan fokus pada pendefinisian makna fī sabīlillah dan āmil pada delapan kelompok penerima zakat dengan melihat praktik Dompet Dhuafa di Indonesia. Hasil penelitian ini mengindikasikan bahwa pusat penelitian lembaga zakat dapat dianggap sebagai pekerja zakat (‘amil) jika memiliki izin resmi dari pemerintah. Namun, pusat penelitian yang tidak memiliki izin hukum tidak dapat diberikan dana zakat. Studi ini akan datang dengan hasil dari perspektif Islam dan saran untuk penelitian masa depan.
Halal Tourism Potential in Muslim Minority Areas (A Case Study in Indonesia) Azhar Alam; Dian Nofitri; Aminudin Ma'ruf
Journal of Sustainable Tourism and Entrepreneurship Vol. 3 No. 3 (2022): May
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v3i3.1296

Abstract

Purpose: The purpose of this study is to determine the potential that Ngada Regency has as a Muslim minority area in developing halal tourism, as well as the efforts that must be made to support this potential so that it can be applied. Research Methodology: The research method used is descriptive qualitative research. Primary data sources were obtained through interviews with fourteen respondents, including; the Indonesian Ulema Council of Ngada Regency, the Ministry of Islamic Religion of Ngada Regency, the Ngada Regency Tourism Office, Islamic religious leaders, and local Muslim tourists. Results: The results of this study show that Ngada Regency has the opportunity to implement halal tourism, judging from the tourism potential it has, including; marine parks of 17 islands, beaches, mountains, hills, waterfalls, craters, hot springs, and traditional villages. The available tourist attractions are the main attractions and characteristics that distinguish Ngada Regency from other districts in East Nusa Tenggara. Then, judging from the enthusiasm of local Muslim tourists visiting tourist destinations, Ngada Regency has the opportunity to implement halal tourism. However, the facilities and infrastructure available in tourist destinations and lodging places must follow halal tourism principles. Limitations: This study has limited data coverage in an Eastern Indonesia region that has a Muslim minority demographic. Contributions: The study is the first to examine the potential of halal tourism in eastern Indonesia with the condition of the Muslim minority population. Novelty: This study makes a valuable contribution to the study of the development of halal tourism in eastern Indonesia, which has a Muslim minority demographic.
Ethical Dimensions of Islamic Finance: Lessons from the CSR Model of Indonesian Islamic Banks Aminudin Ma'ruf; Khairunnisa Nurul Fikri
Journal of Islamic Economics and Finance Studies Vol 4 No 1 (2023): JIEFeS, June 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i1.5823

Abstract

The Islamic financial system is regarded as a financial system that bases its operations on the valuesof Islam. However, the practice of the Islamic financial industry has been criticized as it deviates fromthe theory. This paper aims to explore and analyze the ethical values of Islamic finance and theirimplementation in Indonesian Islamic commercial banks. The study employs a qualitative researchmethod with the literature study approach and assessment of the annual reports of 14 IndonesianIslamic commercial banks. The literature study explores and analyses Islamic values embedded withinthe Islamic financial system. In contrast, the exploration and assessment of Indonesian Islamiccommercial banks’ annual reports provide the study with the practical implementation of the values.The paper found that Indonesian Islamic commercial banks have contributed to facing the currentsocial and environmental issues through some initiatives in their CSR implementations. All IndonesianIslamic commercial banks have been actively participating in CSR programs. However, a number ofIslamic banks need to enhance their CSR practices to tackle the ongoing environmental issues.Therefore, the paper comes with some limitations and policy recommendations.
Sales and Marketing Strategies in The Marketplace by Businesses in Solo Raya Aminudin Ma'ruf; Putri Maidina Fadila; Sausan Liski Aulia
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 14, No 1 (2023)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v14i1.423

Abstract

Every human being buys and sells to meet their needs and desires, technological developments make it easy for everyone to do various jobs, especially in buying and selling activities. This study aims to examine the strategies used by business owners at Shopee to increase their sales and marketing. This study adopts qualitative research methods with data collection techniques used are interviews with several business actors at Shopee by asking questions through Google Forms. The results of this study are sales and marketing strategies carried out by business owners to encourage business growth, namely improving product quality, using advertisements, introducing products in detail to consumers, and maintaining service performance. In this study, several factors were found to support business actors selling on Shopee, namely a wide range, easy access, and a free shipping and payment system on the spot. The results of this research can be put forward by research implications that may be useful in the future by business actors at Shopee. This paper humbly attempted to be used as an additional reference for further studies with similar topics, namely sales and marketing strategies in the Shopee marketplace.
The Problem of Murabaha Financing of Islamic Microfinance Institution and The Handling Strategies in Indonesia: A Literature Review Azhar Alam; Ririn Tri Ratnasari; Nida’ Al-Karimah Makkawi; Aminudin Ma’ruf
AL-MUZARA'AH Vol. 11 No. 1 (2023): AL-MUZARA'AH (June 2023)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.11.1.17-30

Abstract

Indonesia is a country with the largest Muslim population in the world and has extraordinary potential in the amount and assets of Islamic microfinance and can be a reference for the application of Islamic Microfinance in other countries. The purpose of this study was to review the problems in murabaha financing at Islamic Microfinance Institution (IMFI) and the treatments. The approach used was a qualitative analysis of Indonesian literature studies about the specific type of murabaha financing with content analysis and thematic analysis techniques. This study found that internal and external factors caused problematic murabaha financing in BMT. Internal factors include the inaccuracy of BMT in 5C (Character, Capacity, Capital, Collateral, and Condition), lack of supervision, procedures violations, facilities and infrastructure, and lack of human resources (HR). Meanwhile, external factors include bad customers, unexpected circumstances of customers, lack of customer income, inflation, and government policies. The actions done by the BMTs to overcome problematic murabaha financing were by implementing BMT guidelines for prospective customers, preventing and repressive supervising, applying a democratic leadership style, applying fines, rescheduling, restructuring and reconditioning write off, auction of collateral, and legal actions. This study recommends strengthening financing selection by improving human resource skills and also variations in handling murabaha financing with a humanist approach.
Implementation And Effectiveness of Copyright In Law No. 28 of 2014 And MUI Fatwa No. 5 of 2005 Aminudin Ma'ruf; Muhammad Faisal Hamdi; Rashifahunnisa' Mellinia; Imron Rosyadi
al-Afkar, Journal For Islamic Studies Vol. 6 No. 3 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i3.462

Abstract

The development of Islamic literacy in Indonesia shows the capability of the nation in competing with other Muslim nations. However, copyright is often neglected by many parties. The study aims to assess the implementation and effectiveness of the copyright in law No. 24 of 2014 and MUI Fatwa No. 5 of 2005. A qualitative methodology has been conducted with the approach of literature and field study. The data was obtained through interviews and observations with 3 academic authors and 9 non-academic authors. The results of the study indicate that the  majority of the academic authors argue that there is a lack of enforcement and impact in the law and fatwa. Similarly, the other authors carry the same opinion with some highlights on its effectiveness. The paper suggests that policymakers intensify the implementation and effectiveness of copyright law and fatwa in Indonesia. The enforcement of the law and fatwa will lead to the prosperity of authors and lead to a knowledgeable society. The study keenly expects future studies in the field to cover more samples with different methodologies.
Co-Authors Aditya Nurrahman Afief El Ashfahany Ahmad Syaifuddin Aishath Muneeza Aishath Muneeza, Aishath Alam, Shahbaz Aminah Hasyim Angrinda Anggih Umi Kulsum Arisetyawan, Kukuh Aulia, Sausan Liski Azhar Alam Clara Sinta Prameswari Ramadhani Dian Nofitri Dimas Galih Saputra Dita Dismalasari Dewi DWI PUJI ASTUTI Elmi Nur Azizah Elmi Nur Azizah Fajar, Nurdana Malik Fatoni, Muhammad Iqbal Hamim Azad Hasanah, Silvya Miftahul Hasyim, Aminah Imron Rosyadi Ira Sellani, Tilla Irfan Ramis Jamil, Fadila Ainur Jannah Arrum Sari Jannah Arrum Sari Khairunnisa Nurul Fikri Kukuh Arisetyawan Kurniawan, Adityo Wiwit Ladi Wajuba Perdini Fisabilillah Lathifah, Annisa Ul LUCKY RACHMAWATI Lukmanul Hakim Mellinia, Rashifahunnisa’ Mohammad Wasil Muhammad Faisal Hamdi Mukhlisin, Fajar Sidiq Nida’ Al-Karimah Makkawi Novitasari, Ossa Nur Rizqi Febriandika Nurdana Malik Fajar Nurelsa Yandhi, Anggrey Nurul Hanifa Pasaribu, Gymnastiar Eka Aurillina Prabowo, Prayudi Setiawan Putra, Moh. Rizqy Eka Putri Maidina Fadila Rahayu Puji Lestari Rashifahunnisa' Mellinia Rika Septiani Puspita Sari Ririn Tri Ratnasari Rohmaningtyas, Nurwinsyah Ruth Eviana Hutabarat Sausan Liski Aulia Shahbaz Alam Syaraf, Ahsan Barra Tony Seno Aji Tri Nur Alfifa Umam, Fachru Nurul Wenny Restikasari Wijayanto, Agung Dwi Wulandari, Asih Putri