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REALITA PENERAPAN SISTEM EKONOMI SYARIAH DI NEGARA MINORITAS MUSLIM Anwar Fatoni; Mohammad Ghozali; Mulyono Jamal; Hendri Setyo Wibowo
Ijtihad Vol. 15 No. 2 (2021): IJTIHAD: Jurnal Hukum dan Ekonomi Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (505.541 KB) | DOI: 10.21111/ijtihad.v15i2.5535

Abstract

Dominasi Barat selama 300 tahun terakhir, telah membuat kita merasakan empat ideologi utama, yaitu kapitalisme, sosialisme, nasionalisme dan kesejahteraan negara (the welfare state), di mana semua itu telah gagal dalam ilmu ekonomi karena sistem ekonomi tersebut cenderung ke arah sekulerisme. Semua sistem itu berdasar pada premis Barat bahwa agama dan moralitas tidak relevan untuk mengatasi masalah-masalah ekonomi. Pencarian para ilmuwan terhadap sistem ekonomi yang terbaik terus dilakukan, hingga pada akhirnya para ekonom mulai melirik sistem ekonomi Islam yang telah diterapkan sejak zaman Rasulullah. Sistem ekonomi Islam diciptakan oleh para Muslimin bukan hanya diperuntukkan bagi kaum muslim tapi juga bagi seluruh umat manusia. Yang dapat dibuktikan dengan adanya beberapa karakteristik dalam sistem ekonomi Islam yang bersifat universal. Hingga tidak sedikit dari Negara minoritas Muslim yang telah mengadopsi sistem ekonomi Islam ini untuk dijadikan salah satu sistem perekonomian untuk meningkatkan kesejahteraan negaranya. Salah satunya ditandai dengan banyaknya lembaga-lembaga keuangan syariah. Singapura, Filipina, Amerika Serikat, dan Inggris adalah contoh dari Negara-negara minoritas muslim yang mengadopsi sistem ekonomi syariah dalam rangka melepaskan diri dari krisis yang melanda.
MEKANISME PENANGGULANGAN PEMBIAYAAN BERMASALAH PADA AKAD MURABAHAH Mulyono Jamal; Ayu Ruqoyah
Islamic Economics Journal Vol. 2 No. 2 (2014)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.826 KB) | DOI: 10.21111/iej.v2i2.176

Abstract

The rise of Islamic economic has established the development of Islamic banking. This indicates that Islamic banking could be competitive with conventional banking. One difference between both banking systems is in lending operation. In conventional bank known as credit, while in Islamic bank known as financing. For certain, financing procedures in Islamic banking refer to Qur’an and Sunnah. Indeed, there are also defaults in its process, because the problems occured after the process. This research aims for knowing the factors which cause the default financing and its mechanism as performed by Bank Muamalat Indonesia (BMI) branch Sragen to solve it. To reach thus aims, the researcher uses field research with deductive explorative methods. The result from this research indicates that there are two factors which cause the default financing, internal factor and external factor. Internal factor is the factor from the customers, while the external factor is the factor from other than customers, ot because of universe. But the most imminent factor at BMI is internal factor, such as the late payment because of neglect. The mechanism runs by BMI branch Sragen is monthly data collection, monitoring and controlling, so that the financing at BMI branch Sragen chategorized as stable.
Analysis of Alternative Dispute Resolution in non-litigation dispute resolution on Islamic Mortgage: at the Ombudsman Institution Yogyakarta Mulyono Jamal; Akhmad Afandi Mahfudz; Syamsuri Syamsuri; Resi Handayani
TSAQAFAH Vol. 17 No. 1 (2021): Islamic Education
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v17i1.6760

Abstract

Limited information, experience, and very low economic conditions are the background of business dispute cases, especially in Islamic mortgages. Business dispute cases, including Islamic mortgage, have so far been resolved using non-litigation settlements using Alternative Dispute Resolution (ADR), it is considered easier, does not incur expensive costs, is familial, and achieves the goal of dispute resolution, namely win-win solutions. Settlement of disputes using this method has been regulated in Law Number 30 of 1999 concerning arbitration and alternative dispute resolution. In this case, the Yogyakarta Ombudsman as one of the non-litigation institutions also takes part in resolving disputes non-litigation. This study aims to analyze the method used, namely alternative dispute resolution in resolving disputes over sharia mortgage loans. Finally, this research finds that in the process of resolving disputes over sharia mortgages with alternative dispute resolution, the method of consultation, negotiation, mediation, and expert judgment is used. The alternative dispute resolution method prioritizes peace and a win-win solution or conditions that are favorable to the parties, but in this case, the non-litigation dispute resolution method does not succeed in bringing about peace or a win-win solution.
Tanmiyah Waqf al-Manāfi min Ajl al-Istiqlāliyah fī Majāli al-Iqtiṣād: Dirāsah fī Ma’had Tazakkā al-‘Aṣrī Mulyono Jamal; Mohammad Hanief Sirajulhuda; Muhammad Aunurrochim Mas'ad Saleh; Khurun'in Zahro'
Al-Ahkam Vol 33, No 1 (2023): April
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ahkam.2023.33.1.13586

Abstract

The excellent potential of benefit waqf has not been fully realized since nāẓir or the community failed to develop a strategy and did not innovate enough on the advantages of waqf and its administration. One of the successful principals in administering benefits waqf is the Tazakka Modern Boarding School with its innovation and programs on endowment benefits. This study intends to identify the benefit waqf development approach for Tazakka Modern Boarding School for economic independence. With a descriptive strategy, this study employs a qualitative methodology. The results of this study demonstrate that the development of benefit waqf in Tazakka is advantageous for economic independence with three distinct benefit waqf categories. So, for future researchers to be able to discuss professional nāẓir with good management and strategy, to maximize the potential and role of beneficial waqf in improving the economy and people's welfare.