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All Journal Jurnal Konseling dan Pendidikan DE JURE Jurnal Asy-Syari'ah MAHKAMAH: Jurnal Kajian Hukum Islam Jurnal Ilmiah Ekonomi Islam Al-Amwal : Journal of Islamic Economic Law Islamika : Jurnal Ilmu-Ilmu Keislaman International Journal of Social Science and Business Journal on Education Ishlah: Jurnal Ilmu Ushuluddin, Adab dan Dakwah El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah Al-Qisthu: Jurnal Kajian Ilmu-Ilmu Hukum JURIS (Jurnal Ilmiah Syariah) Jurnal Penelitian Pendidikan Indonesia
Zufriani Zufriani
Institut Agama Islam Negeri Kerinci
Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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HADIS TENTANG JUAL BELI DAN RIBA: IMPLEMENTASI PADA SISTEM KREDIT Mhd Rasidin; Arzam Arzam; Zufriani Zufriani; Doli Witro
EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 2 No. 1 (2021)
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (502.298 KB) | DOI: 10.53491/elmudhorib.v2i1.84

Abstract

Tulisan ini membahas mengenai jual beli kredit yang berpotensi mengandung riba. Jual beli kredit tersebut ditelaah dari perspektif hadis tentang jual beli dan hadis tentang riba. Tulisan ini bertujuan menyoroti jual beli kredit yang dibolehkan dan tidak dibolehkan yang berangkat dari hadis-hadis tentang jual beli dan riba. Dengan melihat jual beli kredit seperti apa yang dibolehkan dalam Islam, maka diharapkan dapat memberikan pemahaman kepada khalayak masyarakat yang melakukan transaksi jual beli kredit. Artikel ini menggunakan penelitian kualitatif yang bersifat pustaka. Bahan-bahan dalam penelitian ini diambil dari bahan pustaka seperti buku dan artikel ilmiah yang diterbitkan di jurnal yang berkaitan dengan permasalahan yang dibahas yaitu tentang implementasi hadis-hadis jual beli dan riba pada sistem kredit. Teknik analisis data yang digunakan yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil analisis menunjukkan mendapatkan keuntungan lebih dari harga normal dalam jual beli kredit, merupakan sesuatu hal yang logis, karena pada jual beli kredit ini sejatinya memberikan kemudahan bagi seluruh manusia terkhusus umat Islam ketika sedang membutuhkan sesuatu benda atau barang, namun belum mampu membelinya secara tunai sehingga menempuh jual beli secara kredit sebagai jalan alternatif.
KARAKTERISTIK DAN HAKEKAT PERATURAN PERUNDANG-UNDANGAN HUKUM EKONOMI SYARIAH Sisi Ade Linda; Zufriani Zufriani; Doli Witro
Al-Amwal : Journal of Islamic Economic Law Vol 6, No 1 (2021): AL-AMWAL : JOURNAL OF ISLAMIC ECONOMIC LAW
Publisher : Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v6i1.2926

Abstract

The birth and formation of laws and regulations related to sharia economic law are based on the growing development of sharia financial institutions (LKS). The operation of Islamic financial institutions must, of course, be following Islamic principles, namely those based on the Qur'an and hadith. Then the formation of laws and regulations of sharia economic law is rooted in fiqh muamalah. The research method used in this study is library research using library data from books, scientific articles, and others. Data analysis techniques are condensation, data presentation, and concluding. The study results show that the legislation related to Islamic economics, especially in Islamic banking, is widely absorbed from the fatwa of the Indonesian Ulema Council (MUI). Almost all MUI fatwas were absorbed as the basis for forming the Sharia Banking Law. There are several characteristics of the Act, namely universal, maslahah, varied, fairness in transactions, and transparency.
ANALISIS IMPLEMENTASI AKAD IJARAH DI PERBANKAN SYARIAH BERDASARKAN REGULASI DAN FATWA Doli Witro; Zufriani Zufriani; Arzam Arzam; Muhamad Izazi Nurjaman
Asy-Syari'ah Vol 23, No 2 (2021): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v23i2.14141

Abstract

Abstract: The jarah contract in Indonesia is regulated by various regulations, such as the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and regulations from the Financial Services Authority (OJK). The fatwa and regulations are the references in the practice of contracts in Islamic financial institutions, one of which is Islamic banking. There may be a discrepancy between the practice of Islamic banking contracts and existing regulations. Therefore, this paper aims to analyze the harmonization between ijarah contract regulations in Indonesia and Islamic banking practices. This article is legal research that uses a normative juridical approach. The sample used in this study is the Indonesian Islamic Bank (BSI). The data analysis technique uses several steps, namely reducing or focusing data, presenting data, and drawing conclusions. The study results indicate that Islamic banking, namely, in this case, is BSI implementing the ijarah contract as one of the contracts used in the financing process. Several regulate ijarah contracts in Islamic Financial Institutions (LKS). The various regulations governing the ijarah contract refer to fiqh muamalah, which are then compiled and transformed into several regulations such as the DSN-MUI fatwa and OJK regulations. From the analysis of the implementation of the ijarah contract at BSI, there are no significant problems with the DSN-MUI fatwa and OJK regulations regarding the ijarah contract.Abstrak: Implementasi akad ijarah di Indonesia diatur dalam berbagai peraturan dari pihak pemangku kepentingan seperti fatwa Dewan Syariah Nasional Mejelis Ulama Indonesia (DSN-MUI) dan regulasi dari Otoritas Jasa Keuangan (OJK). Fatwa dan regulasi tersebut menjadi kiblat dalam praktik implementasi akad di lembaga keuangan syariah yakni salah satunya di perbankan syariah. Tidak menutup kemungkinan terdapat ketidaksesuaian antara praktik akad di perbankan syariah dengan regulasi yang ada.  Oleh karenanya, tulisan ini bertujuan untuk menganalisis harmonisasi antara regulasi akad ijarah di Indonesia dengan praktik di perbankan syariah. Artikel ini merupakan sebuah penelitian hukum yang menggunakan pendekatan yuridis normative. Sampel yang digunakan dalam penelitian ini adalah Bank Syariah Indonesia (BSI). Adapun teknik analisis datanya menggunakan beberpa langkah yaitu teknik mereduksi atau memfokuskan data, penyajian data, dan menarik sebuah kesimpulan. Hasil penelitian menunjukkan bahwa perbankan syariah yakni dalam hal ini adalah BSI menerapkan akad ijarah menjadi satu di antara akad yang digunakan dalam proses pembiayaan. Terdapat beberapa yang mengatur akad ijarah dalam Lembaga Keuangan Syariah (LKS). Berbagai regulasi yang mengatur akad ijarah tersebut mengacu pada fiqh muamalah yang kemudian diformulasikan dan ditransformasikan menjadi beberapa regulasi seperti fatwa DSN-MUI dan regulasi OJK. Dari hasil analisis implementasi akad ijarah di BSI, tidak terdapat kesenjangan krusial dengan fatwa DSN-MUI dan regulasi OJK mengenai akad ijarah. 
Rukyat as Determination of the Lunar Month Beginning: A Method, Obstacles, and Debate in Indonesia Zufriani Zufriani; Asa’ari Asa’ari; Jamal Mirdad; Arzam Arzam; Ahmad Izuddin; Anwar M. Radiamoda
JURIS (Jurnal Ilmiah Syariah) Vol 22, No 1 (2023)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/juris.v22i1.6570

Abstract

Two calendar systems are developing globally, namely the Syamsiyah system (solar system) and the Kamariah system (lunar system). The lunar system is a calendar used by Muslims and has utility in worship rituals based on the calendar period. Qur’an and Hadith have mentioned this completely, namely, one year consists of twelve months. This study aims to determine the determination of the beginning of the lunar month using the rukyat method and to determine the extent to which the implementation of the rukyat method can be accepted by the Indonesian people. The type of research in this article is qualitative research or also known as naturalistic research methods. The data analysis techniques used were condensation, data presentation, and drawing conclusions. The results of the study show that the rukyat method is one of the methods of determining the lunar month, which has been carried out since the time of the Prophet Muhammad p.b.u.h. and his companions, even today it is still used by Muslims around the world, including in Indonesia. Rukyat is a method of determining the beginning of the lunar month by paying attention to important matters and conditions. As for the obstacles of the sighting as determining the beginning of the lunar month, there are several factors, namely the eye of the observer, the shape of the new moon, weather, seeing, the height of the new moon, the distance of the bow and the observer’s psychology
Rasch analysis of student attributes: development and validation of scale to measure religious moderation Zufriani Zufriani; Pitriani Pitriani; Albertos Damni
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 8, No 1 (2022): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020221396

Abstract

In Indonesia, the narrative of Religious Moderation is being hotly discussed and has even been included in the RPJMN 2020-2024. The target index has been determined, but measurement instruments are still minimal and can be used to measure the level of religious moderation at the university level. This research was conducted in response to these needs. The development of this instrument uses a unidimensional construct using Rasch analysis. The number of samples used was 406 students selected using the multistage random sampling technique. This development goes through three stages, namely item generation,where the objectives and concepts of measuring religious moderation are arranged to produce latent items. The theoretical analysisaims to test the scale's content validity.The last stage is a psychometric analysiswhich seeks to analyze the availability of the sample and construct the validity and reliability of the scale using Rasch analysis. The first stage produced 48 statements; thesecond stage resulted in changes in the religious context and usedmore appropriate words to describe the scale interval. The last stage makes 24 valid argumentsto be sureof religious moderation.
Efektivitas Pendidikan Karakter Cerdas Format Kelompok untuk Meningkatkan Sikap Nasionalisme Siswa Darsi Darsi; Zufriani Zufriani; Saaduddin Saaduddin
Journal on Education Vol 7 No 1 (2024): Journal on Education: Volume 7 Nomor 1 Tahun 2024
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i1.4241

Abstract

The issue of nationalism encompasses various challenges and conflicts that arise in the context of nationalism, which is a sense of love and pride for one's country and national identity. Low levels of nationalism are also observed among students. This research aims to examine the effectiveness of the Character Education group format in enhancing nationalism. We employed a quasi-experimental research design, utilizing a pretest-posttest control group design. A total of 30 students affiliated with the Intra-School Student Organization (OSIM) in one of the Madrasah Aliyah schools in Sungai Penuh City participated in the study. The respondents were divided into two groups, namely the experimental and control groups. The scale used in this research was a nationalism scale developed by the researcher. Hypothesis testing was conducted using the Wilcoxon Signed Ranks Test and Kolmogorov-Smirnov 2 Independent Samples Test. The research results indicate that the attitudes of students in both the experimental and control groups toward nationalism were categorized as moderate, both in the pre-test and post-test. However, the study revealed a significant difference between the pre-test and post-test results in the experimental group. Further testing also demonstrated a difference in post-test results between the experimental and control groups. These findings have important implications for the improvement and development of character education curricula in schools. The research also underscores the importance of a holistic approach to character education that encompasses social, emotional, and moral aspects.
Co-Authors Afridawati Afridawati Ahmad Izuddin Aidil Novia Albertos Damni Andri Nurjaman Anwar M. Radiamoda Arzam Arzam Arzam Arzam Arzam Arzam Arzam, Arzam Asa'ari Asa'ari Asa’ari, Asa’ari Asa’ari Asa’ari Dafiar Syarif Dahlan Dahlan Darsi Darsi Doli Witro Halim Jamal Mirdad Mhd Rasidin Muhamad Izazi Nurjaman Muhammad Fauzi Muhammad Luthfi Mursal Mursal Pitriani Refnadi Refnadi Saaduddin Saaduddin Sisi Ade Linda Witro, Doli yasni efyanti