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Analisis Risiko dalam Investasi Islam Irkhami, Nafis
MUQTASID Vol 1, No 1 (2010)
Publisher : STAIN Salatiga

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Abstract

Business activities and investments can not be separated from risk, because the return is a result of risk analysis. Based on its nature, it is no small investment activities, especially in the field of financial assets, which in fact exploit the conditions in a way to speculate. In many cases, these speculators caused often create economic inequality, even crisis. This article will find footing construction investment ethical analysis of Islamic pespectives, including the instruments of the screening process, as well as the concept of Islamic investment analysis of risk and return.   Keywords: Islamic ethical investment, investment analysis, risk
The economic-political concept of Hizbut Tahrir Indonesia: reflection on the early Islamic thoughts Irkhami, Nafis
Indonesian Journal of Islam and Muslim Societies Vol 4, No 1 (2014): Indonesian Journal of Islam and Muslim Societies
Publisher : State Institute of Islamic Studies (STAIN) Salatiga

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Abstract

Hizbut Tahrir (The Party of Liberation) is an international pan-Islamic political organization. Its goal is to unify all Muslim countries as an Islamic state(caliphate) ruled by shariah. They argued that caliphate and Islamic law shouldnot be separated. Without a caliphate, the sharia application will never betotally accomplished. Factually, these grand themes constitute the global discourseapplied by Hizbut Tahrir movements around the world. It becomesthe main idea that links their global ideological ground and commonality.Hizbut Tahrir (HT) entered into Indonesia in 1982, through M. Mustofa andAbdurrahman al-Baghdadi. As in another countries, HT got repression fromthe government. Using a momentum of the reformation era, Hizbut TahrirIndonesia (HTI) begin to socialize its ideas openly. Even in 2000, they haveregistered its organization at the Ministry of Domestic Affairs.This study aims to scrutinize the ideas of HTI thinking about political economy,which is devoted to the theory about the relationship between religion, stateand economy, as well as the construction of public finances. This study isintended as a historical study of Islamic economic thought. The discourse ofthe study focuses on three questions. First, how does HTI grow in Indonesia,and why does they flourish? Second, what are the relationship between the religion, the state and the economy according to them? Finally, how is thestructure of HTI’s public finances?This qualitative study was an exploratory-analysis. It was intended to analyzekey concepts in a plantation of thought that has been documented, bothfrom primary and secondary sources. It is a library research. The sources ofthe research are in the form of HTI’s works which have been well documentedin a large numbers, including in the Pdf formats. The study found that HTItended to see every current economic problem by reflecting it into the culturalheritage of the past. Related to this, the slogan that they have alwaysbeen shouted was “Sharia is the only solution.” From this philosophy it canbe estimated that HTI’s thoughts of Islamic public finance, will face the problemof contextualization.Hizbut Tahrir (Partai Kemerdekaan) adalah sebuah gerakan politik Islaminternasional. Tujuannya adalah untuk menjadikan negara-negara Muslim dalamsatu kepemimpinan negara Khilafah yang diatur dengan syariah. Merekaberpendapat bahwa kekhalifahan dan hukum Islam tidak dapat dipisahkan.Tanpa Negara khilafah, syariah tidak dapat diterapkan dengan sempurna.Gagasan utama inilah yang diusung oleh Hizbut Tahrir di seluruh dunia. Gagasanpokok itulah yang mempertemukan idiologi dan pergerakan mereka. HizbutTahrir masuk ke Indonesia pada tahun 1982 melalui M. Mustofa danAbdurrahman al-Bagdadi. Sebagaimana di negara-negara lain, HT mendapattekanan dari pemerintah. Dengan memanfaatkan momentum era reformasi,HTI mulai mensosialisasikan ide-idenya secara terbuka. Bahkan pada tahun2000 mereka telah mendaftarkan dirinya sebagai organisasi resmi di DepdagriDitjen Kesatuan Bangsa.Studi ini bertujuan untuk mengungkap gagasan pemikiran HTI tentangekonomi politik, khususnya mengenai teori hubungan antara agama, negaradan perekonomian, serta mengenai konstruksi keuangan publik. Kajian inidimaksudkan sebagai studi historis tentang pemikiran ekonomi Islam. Pokokmasalah dalam penelitian ini adalah: Pertama, bagaimana HTI tumbuh danberkembang di Indonesia. Kedua, bagaimanakah hubungan antara agama,Negara dan perekonomian menurut mereka. Ketiga, bagaimanakah strukturkeuangan public menurut HTI?Kajian kualitatif ini bersifat eksploratif-analisis, yakni dimaksudkan untuk mengurai dan menganalisa secara mendalam mengenai konsep-konsep kuncidalam pemikiran HTI yang telah terdokumentasikan, baik dari sumber primermaupun sekunder. Berdasar sifatnya, penelitian ini termasuk library research, dimana bahan dan sumber data penelitian ini berupa karya-karya dari tokohtokohHTI yang telah terdokumentasikan dengan baik dalam jumlah besar,termasuk dalam format Pdf. Penelitian ini menemukan bahwa HTI cenderungmelihat segala persoalan ekonomi saat ini dengan merefleksikannya pada warisanbudaya masa lalu. Terkait dengan hal ini, slogan yang selalu mereka teriakkanadalah “Syariah adalah satu-satunya solusi.” Dari cara berfikir ini dapat diperkirakanbila pemikiran-pemikiran keuangan publik HTI akan menghadapi problemkontektualitas.
Aspek Insentif, Mekanisme Pengambilan Keputusan dan Koordinasi (Analisis Komparasi Sistem-Sistem Ekonomi) Irkhami, Nafis
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v6i2.65-87

Abstract

This paper is intended as a general comparative study on the economic system of capitalism, socialism and Islamic economics. The comparative analysis is conducted by reviewing aspects of incentives, decision-making mechanism and coordination. Inter-systemic review in this paper shows that Islamic economic system is determined by the parameters of its own ethical system which shows originality and relativity. Unlike other systems, the ethical impulse that is based on the Islamic worldview is fully integrated with Islamic economic motives. Limited freedom assigned to the behavior of consumption and production, as well as the emphasis on the distribution of wealth cannot be separated from the purpose of goodness (world and the hereafter).Tulisan ini dimaksudkan sebagai studi komparasi general atas sistem ekonomikapitalisme, sosialisme (ekonomi komando) dan ekonomi Islam. Analisiskomparasi tersebut dilakukan dengan meninjau aspe-aspek insentif, mekanismepengambilan keputusan dan koordinasi. Tinjauan inter-sistemik dalam tulisanini menunjukkan bahwa sistem ekonomi Islam ditentukan berdasarkan parameter-parameter sistem etisnya sendiri, yang menunjukkan adanya orisinalitas dan relativitasnya. Tidak seperti sistem lain, impuls-impuls etik yang didasarkan pada worldview Islam tersebut sepenuhnya terintegrasi dengan motif-motif ekonomi Islam. Kebebasan terbatas yang ditetapkan untuk perilaku konsumsi dan produksi, serta penekanan pada distribusi kekayaan tidak dapat dipisahkan dari tujuan kemaslahatan (dunia maupun akhirat).
Analisis Risiko dalam Investasi Islam Irkhami, Nafis
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v1i2.209-225

Abstract

Business activities and investments could not be separated from risk, becausethe return was a result of the risk analysis. Based on its nature, it was no small investment activities, especially in the field of financial assets, which in fact exploit the conditions in a way to speculate. In many cases, these speculators caused often create economic inequality, even crisis. This article would find footing construction investment ethical analysis of Islamic pespectives, including the instruments of the screening process, as well as the concept of Islamic investment analysis of risk and return.
Financing to deposit ratio, dana pihak ketiga, modal sendiri, dan tingkat bagi hasil terhadap profitabilitas Bank Umum Syariah di Indonesia: Peran jumlah pembiayaan sebagai variabel moderasi Larasati, Yustika Febi; Irkhami, Nafis
Journal of Accounting and Digital Finance Vol. 3 No. 3 (2023): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v3i3.829

Abstract

This study aims to analyze the effect of Financing to Deposit Ratio (FDR), Third Party Funds (TPF), Equity, and Profit-Sharing Rate on profitability (ROA) with the amount of financing as a moderating variable at Islamic Commercial Bank in Indonesia for the period 2017-2021. The data used are secondary panel data from the annual reports of banks registered with the OJK, with data analysis using moderated regression analysis (MRA) and samples taken by purposive sampling. The study results indicate that FDR and TPF have a negative but insignificant effect on ROA, equity is not significant, and the profit-sharing rate has a significant positive effect on ROA. The amount of financing cannot moderate the relationship between FDR, TPF, and equity on ROA; instead, it negatively affects the relationship between the profit-sharing rate and ROA.
PENGARUH ZAKAT, PENDAPATAN ASLI DAERAH, ANGKATAN KERJA, DAN PENANAMANAN MODAL TERHADAP PERTUMBUHAN EKONOMI JAWA TENGAH Kurniawati, Erlina; Irkhami, Nafis
Journal of Financial Economics & Investment Vol. 4 No. 1 (2024): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v4i1.29645

Abstract

The research aims to analyze the influence of zakat, local income, labor force, and investment both domestic and foreign on economic growth in Central Java. The data used is secondary from the Central Statistics Agency and BAZNAS in 10 districts/cities in Central Java Province during the 2018-2022 periods. The data used comes from. The method used is panel data regression analysis. The research results show that the variables of domestic investment and labor force do not have a significant effect on economic growth. Variables that have a significant influence on economic growth in Central Java are zakat, local income and foreign investment.
ANALISIS KEPUTUSAN BERZAKAT MUZZAKI MELALUI ORGANISASI PENGUMPUL ZAKAT : STUDI MUZZAKI BAZNAS DAN LAZISNU KABUPATEN KLATEN Widianto, Rendy; Irkhami, Nafis; Ridlo, Musalim
JURNAL ILMIAH EDUNOMIKA Vol 8, No 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15030

Abstract

Penelitian ini bertujuan untuk dapat mengetahui potensi zakat di Kabupaten Klaten, yang belum termaksimalisasi dalam hal pengumpulannya. Metodologi penelitian yang digunakan adalah analisis kuantitatif SEM-PLS (Structural Equation Modeling–Partial Least Square), dengan memanfaatkan aplikasi olah data SmartPLS 3. Angket/kuesioner penelitian telah disebarkan dan sebanyak 100 sampel telah didapatkan, yang merupakan muzzaki Baznas Kabupaten Klaten dan Lazisnu Kabupaten Klaten. Hasil penelitian secara direct effects menjelaskan bahwa variabel religiusitas, promosi media, dan empati sosial tidak berpengaruh signifikan secara langsung terhadap keputusan muzzaki berzakat di OPZ. Hal ini mengindikasikan bahwa tingginya intensitas ketiga variabel tersebut, tidak berarti mendorong secara kuat keputusan muzzaki berzakat di OPZ. Hasil berbeda ditunjukkan variabel literasi zakat dan akuntabilitas OPZ memiliki pengaruh signifikan secara langsung terhadap keputusan muzzaki berzakat di OPZ. Tingkat literasi zakat yang semakin tinggi dan akuntabilitas OPZ yang semakin baik di mata muzzaki, maka akan mendorong keputusan muzzaki tersebut untuk berzakat di OPZ. Hasil indirect effects menjelaskan bahwa variabel religiusitas, literasi zakat, dan empati sosial tetap tidak berpengaruh signifikan, walaupun telah melalui metode mediasi variabel akuntabilitas OPZ. Variabel promosi media berpengaruh signifikan terhadap keputusan muzzaki berzakat di OPZ, setelah melalui mediasi dengan variabel akuntabilitas OPZ. Muzzaki mempertimbangkan akuntabilitas OPZ, melalui kegiatan promosi yang dilakukan oleh OPZ. Penelitian ini diharapkan dapat dijadikan acuan bagi organisasi pengumpul zakat (OPZ) dalam memaksimalisasi pengumpulan zakat di Kabupaten Klaten guna mengentaskan permasalahan kemiskinan.
Tinjauan Bagi Hasil (Nisbah) Akad Mudharabah dalam Fatwa Ulama Dan Praktik Perbankan Syariah Astuti, Afni Wiji; Irkhami, Nafis
Ulumuddin: Jurnal Ilmu-ilmu Keislaman Vol 15 No 1 (2025): Ulumuddin: Jurnal Ilmu-Ilmu Keislaman
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/ulumuddin.v15i1.2732

Abstract

The development of sharia economics in Indonesia is currently increasingly widespread and known by the public. Sharia Economics is one of the choices of people who want muamalah free from elements prohibited by religion. One of the choices of muamalah with the aim of Profit and Loss Sharing (PLS) is to use the Mudharabah Contract. This journal tries to examine how the division of the mudharabah contract ratio according to the views of Ulama with studies in Islamic banking. The research method used is a library research method using qualitative data. The results of the analysis show that the division of the ratio in the mudharabah contract, both according to the views of Ulama and Islamic banking, is based on the agreement of both parties making the contract, with the percentage or amount agreed upon at the time of the contract as in several examples of transactions.
PENGARUH PENGETAHUAN ZAKAT, PENDAPATAN, KEPERCAYAAN, KUALITAS PELAYANAN TERHADAP MINAT APARATUR SIPIL NEGARA (ASN) MEMBAYAR ZAKAT PROFESI MELALUI BAZNAS KABUPATEN DEMAK Fitriyani, Lailatul; Irkhami, Nafis
JURNAL EKONOMI SYARIAH Vol 7, No 1 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i1.3073

Abstract

The purpose of this study is to determine the influence of Zakat knowledge, income, trust, and service quality on the interest of State Civil Servants (ASN) to pay professional zakat through Baznas Demak Regency in 2021. The type of research used in this study is field research using a quantitative research approach. The data collection method was carried out through a questionnaire which was distributed to ASNs in the Demak Regency. Samples were taken as many as 100 with the purposive sampling technique. The data obtained then processed using the IMB SPSS 19 tool. This analysis includes the validity test, reliability test, normality test, heteroscedasticity test, multicollinearity test, multiple linear regression analysis, Ftest test, T-test test, and determinant coefficient test (R2). Based on the results of the T-test test, it shows that the variables of Zakat knowledge, income, and service quality have a positive and significant effect on the interest of ASN to pay professional Zakat through Baznas Demak Regency. On the other hand, the trust variable has a positive and insignificant effect on the interest of ASN to pay professional Zakat through Baznas in Demak Regency. The results of the F-test test show that the variables of  Zakat knowledge, income, trust, and service quality together affect the interest of ASN to pay professional Zakat through Baznas in Demak Regency.
ANALISIS KEPUTUSAN BERZAKAT MUZZAKI MELALUI ORGANISASI PENGUMPUL ZAKAT : STUDI MUZZAKI BAZNAS DAN LAZISNU KABUPATEN KLATEN Widianto, Rendy; Irkhami, Nafis; Ridlo, Musalim
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15030

Abstract

Penelitian ini bertujuan untuk dapat mengetahui potensi zakat di Kabupaten Klaten, yang belum termaksimalisasi dalam hal pengumpulannya. Metodologi penelitian yang digunakan adalah analisis kuantitatif SEM-PLS (Structural Equation Modeling–Partial Least Square), dengan memanfaatkan aplikasi olah data SmartPLS 3. Angket/kuesioner penelitian telah disebarkan dan sebanyak 100 sampel telah didapatkan, yang merupakan muzzaki Baznas Kabupaten Klaten dan Lazisnu Kabupaten Klaten. Hasil penelitian secara direct effects menjelaskan bahwa variabel religiusitas, promosi media, dan empati sosial tidak berpengaruh signifikan secara langsung terhadap keputusan muzzaki berzakat di OPZ. Hal ini mengindikasikan bahwa tingginya intensitas ketiga variabel tersebut, tidak berarti mendorong secara kuat keputusan muzzaki berzakat di OPZ. Hasil berbeda ditunjukkan variabel literasi zakat dan akuntabilitas OPZ memiliki pengaruh signifikan secara langsung terhadap keputusan muzzaki berzakat di OPZ. Tingkat literasi zakat yang semakin tinggi dan akuntabilitas OPZ yang semakin baik di mata muzzaki, maka akan mendorong keputusan muzzaki tersebut untuk berzakat di OPZ. Hasil indirect effects menjelaskan bahwa variabel religiusitas, literasi zakat, dan empati sosial tetap tidak berpengaruh signifikan, walaupun telah melalui metode mediasi variabel akuntabilitas OPZ. Variabel promosi media berpengaruh signifikan terhadap keputusan muzzaki berzakat di OPZ, setelah melalui mediasi dengan variabel akuntabilitas OPZ. Muzzaki mempertimbangkan akuntabilitas OPZ, melalui kegiatan promosi yang dilakukan oleh OPZ. Penelitian ini diharapkan dapat dijadikan acuan bagi organisasi pengumpul zakat (OPZ) dalam memaksimalisasi pengumpulan zakat di Kabupaten Klaten guna mengentaskan permasalahan kemiskinan.