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Analisis Uang Wariq Dalam Sosiologi Ilmu Pengetahuan Muhammad Alfan Rumasukun
Islamic Economics Journal Vol 5, No 1 (2019)
Publisher : University of Darussalam Gontor

The current facts have shown that the sharia economic growth trend in Indonesia continues to increase, both on a macro and micro scale. That can happen through massive programs of education and sharia economic exhibitions in the midst of the academic community and the general public, as well as increasingly raising awareness of Muslims about the application of sharia in the economic field. The progress of Islamic finance seems to be inseparable from the use of exchange instruments, namely money made from gold and silver or commonly referred to as Dinar and Dirham money. It is in this context that some sharia economists have revived the use of dinars and dirhams as an alternative solution to the problem of modern banknotes. On the same occasion, in some literature, classical fiqh was allegedly a history of wariq money that had existed in Islam even long before the presence of Islam was seen by the Prophet. Wariq money was explicitly approved in the story of the faithful youth of the cave dwellers which were published in the Qur’an Surat al-Kahf verse 19. This study aims to: (1) get a complete picture of the concept of wariq money, and (2) to reveal the relevance of wariq money to sharia economics.The type of research used in this study is literature research with historical studies and reading texts from various classical and contemporary fiqh. In this context, the reference sources offered are a number of fiqh books from among the four fiqh schools which have been selected from the library collection of the Universitas Darussalam Gontor Primary School. To get complete data is done by the screening process and analysis of wariq terms from some of the fiqh books. Screening and analysis is done by collecting various primary references related to the discussion of the wariq, so as to enable a complete description of the term money wariq. This data is then processed and analyzed with the sociological theory of science to be approved by the validity of the overall money concept. The conclusions obtained from this study, wariq money is money made from silver in the form of sheets of paper that have been around since the time of kahfi ashabul. Second, wariq money is very relevant to be used as an alternative solution for the consideration of finance and state finances.

Implementasi Akad Murabahah Dalam Perbankan Syariah di Indonesia Muhammad Alfan Rumasukun; Muhammad Ghozali
Islamic Economics Journal Vol 2, No 1 (2016)
Publisher : University of Darussalam Gontor

The term “Murabahah” refers to contracts in which a financial institution purchases goods upon the request of a client, who makes deferred payments that cover costs and agreed-upon profit margin for the financial institution. The financial institution handles payment to a supplier and the incidental expenses of delivery (against a deferred payment made by the buyer to cover delivery costs and agreed-upon share of the buyer’s mark-up). Murabahah is the most widely used instrument of Islamic banking with seventy-five percent of total contract being murabahah based. It is widely used in consumer and corporate financing as well as in subordinated or term financing. The aim of this article is to review and analyze the murabahah contract, the most important investment mechanism in Islamic banking today both in its theoretical and practical aspects.

Implementasi Akad Murabahah Dalam Perbankan Syariah di Indonesia Muhammad Alfan Rumasukun; Muhammad Ghozali
Islamic Economics Journal Vol. 2 No. 1 (2016)
Publisher : University of Darussalam Gontor

The term “Murabahah” refers to contracts in which a financial institution purchases goods upon the request of a client, who makes deferred payments that cover costs and agreed-upon profit margin for the financial institution. The financial institution handles payment to a supplier and the incidental expenses of delivery (against a deferred payment made by the buyer to cover delivery costs and agreed-upon share of the buyer’s mark-up). Murabahah is the most widely used instrument of Islamic banking with seventy-five percent of total contract being murabahah based. It is widely used in consumer and corporate financing as well as in subordinated or term financing. The aim of this article is to review and analyze the murabahah contract, the most important investment mechanism in Islamic banking today both in its theoretical and practical aspects.

Analisis Uang Wariq Dalam Sosiologi Ilmu Pengetahuan Muhammad Alfan Rumasukun
Islamic Economics Journal Vol. 5 No. 1 (2019)
Publisher : University of Darussalam Gontor

The current facts have shown that the sharia economic growth trend in Indonesia continues to increase, both on a macro and micro scale. That can happen through massive programs of education and sharia economic exhibitions in the midst of the academic community and the general public, as well as increasingly raising awareness of Muslims about the application of sharia in the economic field. The progress of Islamic finance seems to be inseparable from the use of exchange instruments, namely money made from gold and silver or commonly referred to as Dinar and Dirham money. It is in this context that some sharia economists have revived the use of dinars and dirhams as an alternative solution to the problem of modern banknotes. On the same occasion, in some literature, classical fiqh was allegedly a history of wariq money that had existed in Islam even long before the presence of Islam was seen by the Prophet. Wariq money was explicitly approved in the story of the faithful youth of the cave dwellers which were published in the Qur’an Surat al-Kahf verse 19. This study aims to: (1) get a complete picture of the concept of wariq money, and (2) to reveal the relevance of wariq money to sharia economics.The type of research used in this study is literature research with historical studies and reading texts from various classical and contemporary fiqh. In this context, the reference sources offered are a number of fiqh books from among the four fiqh schools which have been selected from the library collection of the Universitas Darussalam Gontor Primary School. To get complete data is done by the screening process and analysis of wariq terms from some of the fiqh books. Screening and analysis is done by collecting various primary references related to the discussion of the wariq, so as to enable a complete description of the term money wariq. This data is then processed and analyzed with the sociological theory of science to be approved by the validity of the overall money concept. The conclusions obtained from this study, wariq money is money made from silver in the form of sheets of paper that have been around since the time of kahfi ashabul. Second, wariq money is very relevant to be used as an alternative solution for the consideration of finance and state finances.

The The Effect of Islamic Financial Inclusion and Literacy on the Productivity of MSMEs: Case Study in Probolinggo Muhammad Alfan Rumasukun; Alivia Maharani
Islamic Economics Journal Vol. 10 No. 1 (2024)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i1.11608

Looking at the large contribution of MSMEs to GDP growth, namely 0.2%, it can be seen that the market in this sector is supported by a fairly large portion of the workforce, reaching 96.92%. However, the low productivity of MSMEs is a concern because the input produced is not commensurate with the output produced. This research aims to investigate and understand the productivity problems faced by MSMEs (Micro, Small and Medium Enterprises) in Probolinggo, especially in Mayangan sub-district. This research covers aspects such as financial inclusion and financial literacy, with a focus on sharia approaches. This was done to understand the impact of sharia financial inclusion and sharia financial literacy on the productivity of MSMEs in the region. The study employs quantitative research methods and utilizes primary data obtained from respondent-filled questionnaires. The population consists of MSMEs in the Mayangan District, with 30 respondents selected through Probability Sampling. Then the data is processed using multiple linear regression analysis techniques using the SPSS (Statistical Package for Social Sciences) program. The results of this study indicate that Islamic financial inclusion and Islamic financial literacy have a significant effect on the productivity of MSMEs. This is evidenced by the result of the coefficient of determination analysis where the variables of Islamic financial inclusion and Islamic financial literacy affect MSMEs productivity by 84,3% and the remaining 15,7% is explained by other variables not included in this study.

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