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All Journal Ahkam: Jurnal Ilmu Syariah Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI JURNAL ECONOMIA Jurnal Keuangan dan Perbankan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan At-Taradhi: Jurnal Studi Ekonomi QIJIS (Qudus International Journal Of Islamic Studies) YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Cita Hukum Jurnal Ilmiah Ekonomi Islam Liquidity: Jurnal Riset Akuntansi dan Manajemen Jurnal Ilmiah Wahana Akuntansi Jurnal Ekonomi & Keuangan Islam JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SYIRKAH ALQALAM Jurnal Hukum Ekonomi Syariah Misykat: Jurnal Ilmu-ilmu Al-QurÆan, Hadist, Syariah dan Tarbiyah Jurnal Hukum Ekonomi Syariah MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah El-Qist : Journal of Islamic Economics and Business (JIEB) JOURNAL of LEGAL RESEARCH AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Al-MIKRAJ: Jurnal studi Islam dan Humaniora EKONOMIKA SYARIAH : Journal of Economic Studies HUKUM EKONOMI ISLAM Al-Infaq : Jurnal Ekonomi Islam Mizan: Journal of Islamic Law
Muhamad Nadratuzzaman Hosen
UIN Syarif Hidayatullah Jakarta
Religion Arts Humanities 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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Tinjauan Hukum Ekonomi Syariah terhadap Praktik Jual Beli Emas Melalui Aplikasi Online Pluang Fitria Mustapa; Muhamad Nadratuzzaman Hosen
Jurnal Hukum Ekonomi Syariah Vol 6, No 01 (2022): JURNAL HUKUM EKONOMI SYARIAH (JUNI 2022)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v6i01.6171

Abstract

AbstractThis study analyzes the Shariah suitability of the Buy and Sell Gold product in the Pluang application which has various features, including; Sell, Buy, Withdraw, Printing gold with related Fatwas and review from a positive legal point of view, namely from the related Laws (UU) and Regulations. Thus, this study aims to describe the mechanism of buying and selling gold online in the Pluang application which can be a reference and a new picture regarding the suitability of sharia. To achieve this goal, this research uses qualitative research methods and uses normative-empirical law research which describes directly about a situation temporarily in an event that occurs. By collecting actual data and information, this research intends to be able to realize the objectives of this research. The conclusion from the results of this study is that the features of selling gold, buying gold, printing gold in Pluang are following with the related fatwa. However, the author draws a few things that can be noted as well as input on Pluang's side. These include, among others, the method of top-up wallet in Pluang, it is better to provide Sharia banking features, Pluang provides a Sharia Supervisory Board (DPS) that can monitor and provide input on gold products in Pluang, and Pluang submits an application for a Sharia Certificate in order to increase public confidence in halal product gold in Pluang.AbstrakPenelitian ini menganilisis kesesuaian Syariah dari produk Jual Beli Emas di aplikasi Pluang yang memiliki berbagai fitur, antara lain ; Jual, Beli, Tarik, Cetak dengan Fatwa-Fatwa terkait dan meninjau dari segi hukum positif yaitu dari Undang-Undang dan Peraturan terkait. Dengan begitu, penelitian ini bertujuan untuk memaparkan mekanisme jual beli emas secara online di aplikasi Pluang yang dapat menjadi referensi dan gambaran baru mengenai hal tersebut tentang kesesuaian syariahnya. Untuk mencapai tujuan tersebut, penelitian ini menggunakan metode penelitian kualitatif dan menggunakan jenis penelitian Hukum normatif-empiris yang menggambarkan secara langsung tentang suatu keadaan secara sementara pada suatu kejadian yang terjadi. Dengan melakukan pengumpulan data dan informasi yang aktual maka penelitian ini bermaksud untuk dapat mewujudkan tujuan dari penelitian ini. Kesimpulan dari hasil penelitian ini adalah fitur-fitur jual emas, beli emas, cicil emas dan Tarik emas yang tersedia di Pluang sudah sesuai dengan fatwa terkait. Namun penulis menarik beberapa hal yang dapat menjadi catatan serta masukan pada pihak Pluang. Hal tersebut antara lain pada metode pengisian dompet di Pluang baiknya menyediakan fitur perbankan Syariah, pihak Pluang  menyediakan Dewan Pegawas Syariah (DPS) yang dapat mengawasi dan memberikan masukan pada produk emas di Pluang, serta pihak Pluang mengajukan permohonan Sertifikat Syariah agar dapat menambah keyakinan masyarakat terhadap kehalalan produk emas di Pluang.
Penentuan Kelayakan Nasabah dalam Pengenaan Biaya Ta’widh/Ganti Rugi (Analisis Putusan 1217/Pdt.G/2017/PA.Kra) Dian Aura Lina; Muhammad Nadratuzzaman Hosen
JURNAL HUKUM EKONOMI SYARIAH Volume 5, No. 1, April 2022
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v5i1.13108

Abstract

Penelitian ini menganalisis putusan hakim pada putusan nomor 1217/Pdt.G/2017/PA.Kra, apabila merujuk pada Kompilasi Hukum Ekonomi Syariah dan KUHPerdata serta Fatwa DSN MUI maka untuk nominal biaya ta’widh/ganti rugi ini seharusnya merupakan biaya riil yang merupakan kerugian yang diderita langsung, bukan kerugian yang ditaksir akan terjadi dan mengenai nasabah dalam keadaan force majeure (keadaan memaksa) ini seharusnya tidak dikenakan dikenakan biaya ta’widh/ganti rugi. Adapun tujuan dari penelitian ini yaitu mengetahui apakah putusan dan dasar pertimbangan hakim dalam memberikan pengenaan biaya ta’widh sudah sesuai, dan menganalisis penyelesaian sengketa putusan nomor 1217/Pdt.G/2017/PA.Kra dari segi tergugat yang dalam keadaan Collapse (keadaan memaksa/force majeure). Penelitian ini menggunakan metode penelitian normative, yaitu menggunakan studi kasus pada perkara putusan 1217/Pdt.G/2017/PA.Kra selain itu penelitian ini menggunakan pendekatan perundang-undangan (statue approach), hasil yang dicapai dari adanya penelitian ini yaitu dapat menjadi bahan evaluasi bagi kinerja hakim agar lebih baik lagi dan pengetahuan bagi masyarakat mengenai pengenaan biaya ta’widh. Dari hasil penelitian ini didapatkan kesimpulan bahwasanya pengenaan biaya ta’widh oleh hakim sebesar 10% belum sesuai dengan ketentuan yang berlaku, akan tetapi mengenai tergugat yang dijatuhkan hukum berupa perbuatan wanprestasi/ingkar janji sudah tepat.
Evaluasi Dan Implikasi Wanprestasi Akibat Covid-19 Terhadap Isi Kontrak Dalam Akad Mudharabah Tb. Hafizh Sulthon Alshazmy; Muh. Nadratuzzaman Hosen
MISYKAT: Jurnal Ilmu-ilmu Al-Quran Hadits Syari'ah dan Tarbiyah Vol 7, No 1 (2022): Misykat: Jurnal-ilmu-ilmu Al-Quran, Hadits, Syariah dan Tarbiyah
Publisher : Pascasarjana Institut Ilmu Al Quran (IIQ) Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33511/misykat.v7n1.100-112

Abstract

Pandemi COVID-19 menjadi peluang bagi para anggota yang tidak memiliki itikad baik untuk melakukan wanprestasi berupa kelalaian menjalankan usaha dalam akad mudharabah. Dalam kata lain pandemi ini bisa dijadikan kedok atas kelalaian anggota. Penelitian ini bertujuan untuk mengevaluasi setiap kasus kegagalan dalam pengembalian modal yang dilakukan oleh anggota penerima fasilitas pembiayaan di KSPPS BTM BiMU, apakah disebabkan karena dampak dari pandemi COVID-19/kondisi force majeure atau karena kinerja yang buruk/wanprestasi. Selanjutnya untuk mengetahui adakah implikasi kasus tersebut terhadap perubahan isi kontrak dalam akad mudharabah yang sudah disepakati pada awal pengajuan pembiayaan di KSPPS BTM BiMU. Penelitian ini menggunakan metode kualitatif dengan jenis penelitian normatif empiris. Dikatakan penelitian normatif karena penelitian ini memakai fatwa DSN-MUI dan Undang-Undang yang berlaku sebagai sumber bahan penelitian hukumnya. Sedangkan bisa dikatakan sebagai penelitian empiris karena penelitian ini mengambil bahan hukumnya dengan cara observasi ke lembaga yang terkait, yaitu KSPPS BTM BiMU dan wawancara langsung kepada pihak yang terkait.
Evaluating the Fundraising Process of the World’s First Cash Waqf-Linked Sukuk in Indonesia Muhamad Nadratuzzaman Hosen; Agung Maulana; Muhammad Zaid Farhand; Muhammad Fudhail Rahman
QIJIS Vol 10, No 1 (2022)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/qijis.v10i1.8161

Abstract

Cash Waqf-Linked Sukuk (CWLS) is Indonesia’s new social and financial engineering product integrating cash waqf with Sukuk investment. Considering the low performance of the CWLS fundraising, this study aims to identify and evaluate the most critical factors contributing to the slowdown fundraising process. The study provides an expert-based alternative strategy to stakeholders to make this instrument could be better in the future. Mixed method analysis was used and based on SWOT analysis compounding an expert-based interview and questionnaire survey as data collecting method in this research. The authors elaborate on the fundraising evaluation and alternative strategies for the Internal Factor Analysis Strategy (IFAS) and External Factors Analysis Strategy factors (EFAS). The results show that the IFAS and EFAS values suggested a progressive Strength and Opportunity (S-O) strategy as the priority strategy that needs to be implemented. The (S-O) plans offered the digitization of the CWLS’s fundraising process to attract intention and facilitate access for investors/waqif from the internet user sector. Thus, the stakeholders should utilize retail collection to reach more investors.
Analisis Tingkat Kesehatan PT Bank Jabar Banten Syariah Periode 2017-2021 dengan Metode Camels, RGEC dan Alman Z-Score Nur Azlina; Muhammad Nadratuzzaman Hosen
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Publisher : Universitas Muhammadiyah Sumatera Utara

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

Abstract

The purpose of this study was to analyze the level of soundness of one of the Islamic banks in Indonesia, namely Bank BJB Syariah. This research is a descriptive research with a quantitative approach. The data used is secondary data obtained from literature studies, journals, internet and other literature related to research. The quantitative data in this study is the BJB Syariah financial report obtained from the Bank's annual report on its official website. The analytical technique used is the CAMELS, RGEC and Altman Z-Score methods. The overall results of the study show that the BJB Syariah Bank Soundness Level which was studied using the CAMELS, RGEC and Altman Z-Score methods resulted in a very healthy rating for the CAMELS assessment and healthy and fairly healthy for the RGEC assessment, as well as an unhealthy rating on the Altman Z-Score assessment. These three methods are relevant to be used to analyze the soundness of Islamic banks. The condition of a good health level at Bank BJB Syariah shows an unstable management performance in mitigating risk. It can be concluded that BJB sharia tends to go bankrupt. By continuing to prioritize prudential principles and good strategic management, the choice in the productive underprivileged segment is expected to provide resilience and improve finances for the Bank, and can provide wider benefits to the community, especially for Indonesian MSMEs that are more resilient as economic drivers nation.
The Response of Financial Performance to The Market Power of Islamic Banking in Indonesia Chajar Matari Fath Mala; Muhammad Nadratuzzaman Hosen; Mohammad Nur Rianto Al Arif
Signifikan: Jurnal Ilmu Ekonomi Vol 11, No 2 (2022)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v11i2.26777

Abstract

market power of Islamic banking in Indonesia. This study contributes to filling the gap in the literature by combining the variables under the analysis of impulse response friction (IRF) about the relationship between market power, efficiency, liquidity, profitability, and stability. The data of this study covered Islamic banking in Indonesia from the period January 2010 to 2019 and used IRF from the VAR/VECM panel. This study found that shock/innovation of market power of Islamic banking in Indonesia is responded positively by efficiency, liquidity, and profitability. Meanwhile, financial stability responds negatively to shock/innovation of market power. These findings suggest that innovation in market power in Indonesian Islamic banking will lead to an increase in efficiency, liquidity, and profitability. This result poses a dilemma because competition increases stability but reduces efficiency, liquidity, and profitability. The balance between market power and stability at the macro and industrial levels becomes crucial because it is necessary to maintain the financial system’s stability and national economic growth.How to Cite:Mala, C. M. F., Hosen, M. N., & Al Arif, M. N. R. (2022). The Response of Financial Performance to The Market Power of Islamic Banking in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 11(2), 415-424. https://doi.org/10.15408/sjie.v11i2.26777.JEL Classification: G18, G21, G28
An analysis of market power and efficiency of Islamic banking in Indonesia and Malaysia Chajar Matari Fath Mala; M Nadratuzzaman Hosen; M Nur Rianto Al Arif
Jurnal Ekonomi & Keuangan Islam Volume 9 No. 1, January 2023
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol9.iss1.art1

Abstract

Purpose – This paper aims to investigate whether the Islamic banking industry in Indonesia and Malaysia is collusive or efficient. Indonesian Islamic banking is expected to meet the Qualified ASEAN Bank (QAB) to compete with other Islamic banks, including Malaysia.Methodology – The data used in this study was panel data on Islamic banking in Indonesia and Malaysia from January 2010 to December 2019. Data analysis employed static panel data regression.Findings – The findings of the study disclosed no collusive behavior from Islamic banking in Indonesia and Malaysia to increase profitability. Meanwhile, market share has been shown to boost profitability in terms of equity, despite the fact that there is an endogeneity problem. Technical efficiency and scale efficiency in Islamic banking in Indonesia have been shown to significantly increase market share, but not profitability and market power. This study concludes that if Islamic banking market in Indonesia and Malaysia are opened and state boundaries are lifted, Indonesian Islamic banking still will not be able to compete since it has not been able to acquire economies of scale.Implications – Islamic banking in Indonedia needs to establish Islamic-Finance-Friendly Regulations. It is expected to pave the way for the value-added character of Islamic banking, it is the most important strategy to boost market share of Indonesian Islamic banking.Originality – This study seeks to fill the validation gap of endogeneity test in Islamic banking. There is the limitation on studies of Islamic banks since the validation of endogeneity test deal only with conventional banking studies.
Assessment of Islamic Bank Soundness: Analysis Using CAMELS, RGEC and ALTMAN Z Score Methods Husni Shabri; Muhamad Nadratuzzaman Hosen
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.16896

Abstract

The purpose of this study is to analyze the soundness level of PT BCA Syariah. This study is descriptive research with a quantitative approach.The paper used data on the annual financial statements of PT BCA Syariah for the period 2017 - 2021. The analysis using CAMELS, RGEC and Altman Z-Score methods. The results show that overall PT BCA Syariah in the 2017-2021 period was at the Health level in the CAMELS, RGEC and Altman Z-Score assessment methods. The highest health and health condition of PT BCA Syariah during the Covid-19 pandemic is a management effort in carrying out appropriate, focused and planned strategies and risk mitigation. The three analytical methods show the same results so that they can be used as a reference for assessing the health of other Islamic banks
Penyelesaian Pembiayaan Bermasalah pada Akad Mudharabah di BMT Duta Jaya Muhamad Nasrulloh; Muhamad Nadratuzzaman Hosen
AL-MIKRAJ Jurnal Studi Islam dan Humaniora Vol 4 No 1 (2023): Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v4i1.3830

Abstract

Mudharabah Financing Agreement is a contract with profitability that is quite beneficial for the parties. In practice, there are often problems and disputes in the financing contract. This study aims to analyze the procedure for solving problematic financing disputes in mudharabah contracts conducted by BMT Duta Jaya using descriptive-normative methods that describe research subjects and objects based on apparent facts and legal approaches used to study the legal norms of the law data that has been obtained. The results of this study indicate that the problem solvings procedure for financing disputes in Duta Jaya Lampung BMT uses non-litigation method. In the implementation of the contract, all mudarabah contract financing operations are in accordance with DSN fatwa number 07/DSN-MUI/IV/2000, only there are fines or compensation provisions which incur members to bear it without any reason
Public perception of the revitalization of Indonesian Waqf Institution Nur Hidayah; Tira Mutiara; Muhamad Nadratuzzaman Hosen; Diah Larasati; Abdul Wahab
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 7, No 1 (2023): June 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i1.6297

Abstract

Indonesian Waqf Institution (BWI/Badan Wakaf Indonesia) was formed based on Law Number 41 of 2004 concerning Waqf. BWI has a firm legal standing within the national legal structure. However, several articles in the Waqf Law have an unfavorable impact on the performance of BWI. Waqf's potential and actualization gap is still significant amidst low public trust in Nazir's governance. BWI is also considered not optimal in developing the potential of Waqf in Indonesia. This study aimed to determine public perceptions regarding the proposed revitalization of BWI duties, functions, and authorities in the more ideal Waqf Management rules. The data collection method used was a questionnaire distributed to the public. The data were analyzed by descriptive statistics. The results showed that the community less agreed with expanding the role of BWI. It is possible due to the lack of public knowledge regarding issues related to the management and development of Waqf that are currently occurring. The community has not been able to adapt to changes, and it tends to be challenging to revitalize BWI's duties, functions, and authorities in waqf regulations.Badan Wakaf Indonesia (BWI) dibentuk berdasarkan Undang-Undang Nomor 41 tahun 2004 tentang Wakaf. BWI memiliki kedudukan hukum yang kuat dalam struktur hukum nasional. Namun, beberapa pasal yang tercantum dalam Undang-Undang Wakaf justru berdampak kurang baik terhadap kinerja BWI. Gap potensi dan aktulisasi Wakaf dinilai masih sangat besar, ditengah rendahnya kepercayaan publik pada tata kelola Nazir. BWI juga dinilai belum optimal dalam mengembangkan potensi wakaf di Indonesia. Penelitian ini bertujuan untuk mengetahui persepsi masyarakat terkait adanya revitalisasi tugas, fungsi dan wewenang BWI dalam aturan Pengelolaan Wakaf yang lebih ideal. Metode pengumpulan data yang digunakan adalah kuesioner yang disebar kepada masyarakat. Data yang diperoleh dianalisis secara statistik deskriptif. Hasil penelitian menunjukan bahwa masyarakat kurang setuju dengan perluasan peran BWI. Hal ini dimungkinkan karena kurangnya pengetahuan masyarakat terkait isu permasalahan terkait pengelolaan dan pengembangan wakaf yang saat ini terjadi. Masyarakat belum dapat beradaptasi dengan perubahan dan cenderung enggan terhadap upaya revitalisasi tugas, fungsi dan wewenang BWI dalam regulasi wakaf.
Co-Authors Abdul Wahab Abdul Wahab Abdul Wahab Acsa, Fadilla Ungaro Agung Maulana Ahmad Afif Ahmad Rodoni Al Arif, Muhammad Nur Rianto Andar Zulkarnain Hutagalung Ashuri, Reni Kristiana Chajar Matari Fath Mala Chajar Matari Fath Mala Deden Misbahudin Muayyad Diah Larasati Diah Larasati Diah Larasati, Diah Dian Aura Lina Djauhari, Haikal Dwi Nur’aini Ihsan Euis Amalia Fadilla Ungaro Acsa Ferry Jie Fitria Mustapa Hafid Asy’ari Harisah Harisah Harisah, Harisah HUSNI SHABRI Irianti, Dwi Kevin Costner Kardius Mas Arif Mohammad Nur Rianto Al Arif Muchtar, Masruri Muhamad Nasrulloh Muhammad Amin Suma Muhammad Fudhail Rahman Muhammad Khairman Muhammad Zaid Farhand Mutiara, Tira Nasimul Falah Nur Azlina Nur Hidayah Nur Hidayah Nur Hidayah Nur Hidayah Nur Octoviyana Rahmah Qizam, Ibnu Rahma Dwi Saputri Rahmah, Nur Octoviyana Rahmat Hidayat Rembulan Rahmadia Fitri Reni Kristiana Ashuri Salmarani Salsabila Shofaun Nada Siti Aisyah Syafaat Muhari Syafaat Muhari Syafaat Muhari Syahrir, Dimas Kenn Tb. Hafizh Sulthon Alshazmy Tira Mutiara Tira Mutiara Titi Dewi Warninda Umiyati Wahyudi, Ickhsanto