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All Journal Islamic Ecomonics Journal I-ECONOMICS: A Research Journal on Islamic Economics EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Tasharruf: Journal Economics and Business of Islam Al Khidma: Jurnal Pengabdian Masyarakat Proceedings Series on Social Sciences & Humanities Syarah: Jurnal Hukum Islam dan Ekonomi Journal of Islamic Economics Lariba Innovative: Journal Of Social Science Research Journal of Islamic Digital Economic and Finance (JIDEF) Journal of Shariah Economics
Fadhila Sukur Indra
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Management of Zakat Infaq and Sadaqah in Indonesia Fadhila Indra Sukur
Tasharruf: Journal Economics and Business of Islam Vol 2, No 1 (2017): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v2i1.531

Abstract

Management of zakat infaq and sadaqah in Indonesia is based on the Act of Number 8 year of 1999. The Act regulates planning, organising, implementing, and monitoring on collecting, distributing and empowering of zakat. There are institutions developed based on this Act  namely Lembaga Amil Zakat (LAZ) and Badan Amil Zakat nasional (BAZNAS). One of the Baznas responsibilities is to increase receivers’ status into givers through human resources development and society economy development.Keywords: Management, Zakat, Infaq, Sadaqah.AbstrakManajemen Zakat, Infak, dan Shadaqah di Indonesia merupakan pengelolaan zakat yang berdasarkan pada Undang-Undang Republik Indonesia No. 8 Tahun 1999 tentang pengelolaan zakat. Adapun kegiatan dalam pengelolaan seperti adanya perencanaan, pengorganisasian, pelaksanaan, dan pengawasan terhadap pengumpulan, pendistribusian serta pendayagunaan zakat. Adapun Lembaga Amil Zakat (LAZ) yang dibentuk sesuai dengan Undang-Undang tersebut seperti Badan Amil Zakat Nasional (BAZNAS). Salah satu tugas BAZNAS meningkatkan status mustahiq menjadi muzakki melalui peningkatan kualitas SDM dan pengembangan pengembangan ekonomi masyarakat. Keywords: manajemen, zakat, infak, shadaqah.
Aset dan Liabilitas Manajemen Perbankan pada Pembiayaan Mudharabah dan Musyarakah Fadhilah Syukur Indra; Suci Widya Wati; Milenia Ayu Saraswati
EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam Vol. 8 No. 2 (2021): EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : Study Program Ekonomi Syari'ah, Sekolah Tinggi Agama Islam Muhammadiyah Tulungagung

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

Abstract

Semakin berkembangnya zaman maka semakin meningkat pula persaingan antar lembaga keuangan, karena itu bank dituntut untuk meningkatkan kualitas persaingan dalam rangka memperoleh keuntungan bagi bank tersebut. Manajemen juga dituntut dapat mengelola aset serta liabilitas bank dengan cara-cara yang digunakan untuk mencapai keuntungan yang sebesar-besarnya. Oleh sebab itu bank syari’ah menerapkan sistem manejemen yang dapat mencakup pengelolaan aset dan liabilitas yaitu (aset liability management). Bagaimana penerapan aset liabilitas manajemen tersebut pada lembaga keuangan syari’ah dan bagaimana jika diterapkan pada salah satu produk syari’ah yaitu pada prinsip mudharabah dan musyarakah. Dengan metode penelitian library research yaitu dengan mengumpulkan data serta informasi dengan bermacam-macam bentuk material yang didapat melalui kepustakaan seperti buku-buku, majalah, dokumen, jurnal-jurnal dan lainlainnya. Serta data yang diperoleh mengungkapkan bahwa penerapan Manajemen Aset dan Liabilitas (Asset and Liability Management) pada perbankan syariah diterapkan dalam unit khusus yang dinamakan ALCO (Asset and Liability Management Committee). Dan teori manajemen aset dan Liabilitas (Asset and Liability Management) sesuai dengan perbankan syariah bila dilihat dari pengakuan bank kepada dana pihak ketiga, pada prinsip mudhorobah dan musyarakah.
Akad Wakalah Bil Ujrah PT. Takaful Keluarga RO Tanwir Nusantara (Gedong Kuning) Yogyakarta Ditinjau Dari Maqasid Syari’ah Imam Syatibi Fadhila Sukur Indra; Miftahul Huda
Islamic Economics Journal Vol 4, No 1 (2018)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (489.004 KB) | DOI: 10.21111/iej.v4i1.2901

Abstract

Insurance as one of the financial institutions engaged in the field of coverage is a modern institution of the findings of the western world that coincided with the spirit of enlightenment (renaissannce). Sharia Asuransi has two contracts tabarru‘ and tijārah contract. Derivatives contained in the tijārah contract is wakālah bil ujrah contract which is one of the transactions in sharia insurance. Islam considers that every transaction or economic activity that occurs must have maṣlaḥah element in it. Imam Syatibi is one of the classical scholars who discuss about the maṣlaḥah with maqāṣid syari’ah. The results of this research will show us the level of syari’ah of the system of the wakālah bil ujrah applied by PT. Takaful Family RO Tanwir Nusantara (Gedongkuning) Yogyakarta with maqāṣid syari’ah Imam Syatibi as the indicator.
Pandangan Bisnis Syariah Terhadap Perkembangan Financial Technology (Study Kasus Fitur Serbu Seru dalam Aplikasi Bukalapak) Annas Syams Rizal Fahmi; Devid Frastiawan Amir Sup; Muhammad Irkham Firdaus; Fadhila Sukur Indra; Meitria Cahyani
Proceedings Series on Social Sciences & Humanities Vol. 5 (2022): Proceedings of Sharia Economic Law Faculty of Islamic Religion Universitas Muhammadiy
Publisher : UM Purwokerto Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/pssh.v5i.421

Abstract

The phenomenon of buying and selling online through various features that place lower prices attracts buyers. The low price outside the normal price makes the people who see it interested in joining the program on Bukalapak's exciting attack feature. There is a lack of clarity in the terms of the contract and its implementation in the purchase of an item in the Bukalapak attack feature, it is stated that the initial contract is a sale and purchase contract but the item is drawn to get the winner of the item. So it is necessary to conduct research to discuss the analysis of the contract on this transaction. This study aims to determine the contract used for the online buying and selling transaction model of the Bukalapak attack feature. This research is qualitative in nature, with a descriptive analytical approach. This type of research is a library (library research) with the method of textbook analysis and literature study. The results of this study indicate that the pillars of buying and selling have fulfilled the elements in the sale and purchase contract. However, there are defects in the Kabul agreement, namely different payment times, the delivery of goods to buyers is not on time. The time is different because the sale and purchase agreement was originally a unidan system so buyers were randomly selected.
The Application of Al-Wakalah bil Ujrah Contract on Unit Link Insurance According to DSN-MUI Fatwa No. 52 2006: A Case Study of PRUlink Syariah Generasi Baru Fadhila Sukur Indra; Sahira Sajjadia Luthia; Andini Rachmawati; Arif Dian Santoso; Devid Frastiawan Amir Sup
Journal of Islamic Economics Lariba Vol. 8 No. 1 (2022)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol8.iss1.art15

Abstract

Insurance makes the fund prepared accurately when problems or disasters occur without predictions. Also, in sharia insurance, there is al-wakalah bil ujrah which is used to give authority to manage the premium collected funds so that they can be useful and develop. This study aims to determine how the application of the al-wakalah bil ujrah contract on PRULink Syariah Generasi Baru at PT Prudential Indonesia. Then, to find out the level of validity according to the Fatwa DSN-MUI No: 52/DSN-MUI/III/2006 concerning al-Wakalah bil Ujrah Contract on Sharia Insurance and Reinsurance. This study uses a qualitative method in field research and a descriptive analysis approach. Data collection was carried out through field observations, interviews with related sources, and documentation which was analyzed using the measurement tool to DSN-MUI Fatwa No: 52/DSN-MUI/III/2006. The results shows that Prudential Syariah Yogyakarta Branch sufficiently met the criteria set by the DSN-MUI Fatwa No: 52/DSN-MUI/III/2006 concerning al-wakalah bil ujrah Contract on Sharia Insurance and Reinsurance. All provisions are written and explained at the beginning of the contract, although not all mechanisms are included in the company standard, such as the accuracy of the allocation of investment funds that distributed to the stock market, the criteria for insurance participants who do not meet the requirements surplus sharing and the lack of transparency in the management of tabarru' funds.
ANALYSIS OF MUI FATWA AND MINISTRY OF TRADE POLICY ON BOYCOTT PRODUCTS IN INDONESIA Khurun'in Zahro'; Fadhila Sukur Indra; Yunita Wulandari; Siti Nur Adila; Maritza Putri Nabila
I-Economics Vol 10 No 2 (2024): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v10i2.24167

Abstract

The prolonged conflict between Palestine and Israel has made several parties more aggressively support Palestine. One form of Indonesia's support for Palestine is the issuance of the Indonesian Ulema Council (MUI) fatwa No 83 of 2023 on the Law of Supporting the Palestinian Struggle. Unlike the MUI, the Ministry of Trade did not issue any decree regarding the prohibition of Israeli boycott products entering Indonesia, as long as they follow the applicable procedures. This research method uses a literature study to collect data and information from books, journals, articles, and related news. The purpose of this research is to analyze the fatwa of MUI and the Ministry of Trade regarding the boycott of Israeli products circulating in Indonesia, as well as the response and attitude of the community regarding this matter. The result of this research shows that the boycott of Israeli products is a form of indirect support of the Indonesian people, namely with the MUI fatwa, which urges as much as possible to avoid transactions and use of products affiliated with Israel and that support colonialism and Zionism. Unlike the MUI, the Ministry of Trade does not prohibit any product from circulating and being traded in Indonesia as long as it follows the applicable rules. This also has an impact on the decline of Indonesia's economic level. The Ministry of Commerce, MUI, and the governments concerned should clarify and affirm the decisions made regarding the Israeli boycott of products in Indonesia.
Hifzh Mal: Premium Payment Due at PT Takaful Keluarga RO Al-Jannah Agency Sagulung Batam Sukur Indra, Fadhila; Faila, Febri; Muhammad Fuad, Andi; Baharuddin, A Zamakhsyari
Syarah: Jurnal Hukum Islam dan Ekonomi Vol. 14 No. 1 (2025): SYARAH : Jurnal Hukum Islam dan Ekonomi
Publisher : Fakultas Syariah Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/syarah.v14i1.5955

Abstract

The term premium in insurance is no longer unfamiliar to the public, including insurance customers. Premiums are paid on a regular basis (monthly, quarterly, semi-annually, or annually). However, many customers face financial or non-financial difficulties that result in late premium payments, as was the case with insurance customers at PT Takaful Keluarga RO Al-Jannah Agency Sagulung Batam. The difficulties experienced also impact individuals and companies, including insurance companies, due to the large number of participants who are late in paying their premiums. This study aims to examine the issue of late premium payments at PT Takaful Keluarga RO Al-Jannah Agency Sagulung, Batam, and how premium payment delays are viewed from the perspective of the maqasid syariah hifz mal. This study is a field study using qualitative methods, with data collection techniques through interviews and observations. Analysis was conducted using inductive reasoning. The research findings indicate that, from the perspective of the maqasid syariah hifz mal, delays in premium payments by customers do not affect the benefits customers receive from insurance products. However, if customers consistently fail to make premium payments, their insurance policies will automatically become inactive or void, and customers will lose the benefits they receive.
Implementasi Pembiayaan Tunas IB Amanah Untuk Sektor Pertanian Jagung Menurut Fatwa DSN-MUI No:08/IV/2000 (Studi Bank NTB Syariah) Kusumastuti, Annisa Silvi; Nur Jamilah, Adinda Muftiviany; Indra, Fadhila Sukur; Fradillah, Haura Ann’izzatil; Aliya Putri, Sri Firda Rahmi
Innovative: Journal Of Social Science Research Vol. 4 No. 4 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i4.13635

Abstract

Bank NTB Syariah memberikan layanan pembiayaan Tunas IB Amanah dengan tujuan memenuhi kebutuhan produksi  usaha yang sedang berkembang seperti sektor pertanian jagung. Peneliti memilih sektor pertanian jagung karena  Nusa Tenggara Barat merupakan salah satu provinsi di Indonesia yang mempunyai potensi  pengembangan jagung di masa depan. Hasil penelitian menunjukkan bahwa pelaksanaan pinjaman musyarakah untuk sektor pertanian jagung berdasarkan Fatwa DSN-MUI No. 08/IV/2000 sudah tepat. Bank NTB Syariah telah menerapkan sistem bagi hasil yang membagi bagi hasil antara pinjamannya kepada Tunas IB Amanah. Sistem penghitungan bagi hasil didasarkan pada penjumlahan seluruh pendapatan yang diterima sebelum dikurangi biaya-biaya yang dikeluarkan untuk memperoleh pendapatan tersebut. Berdasarkan penelitian tersebut, penerapan Fatwa DSN MUI di Bank NTB Syariah telah dilakukan dengan baik dan tepat.
The Implementation of Profit Sharing on Fathonah Education Savings Products at BMT NU Kapongan Situbondo Branch, East Java, Indonesia May Shinta Retnowati; Fadhila Sukur Indra; Yeni Zannuba Arifah; Devid Frastiawan Amir Sup
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 1 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i1.273

Abstract

Baitul Maal wa Tamwil (BMT) is a form of simple Islamic financial institution. BMT in its operational system carries out business and social activities. BMT NU Kapongan Situbondo branch is one of the BMT institutions, the application of its activities to the business sector (tamwil) can be in the form of savings or deposits and also financing activities are always based on sharia compliance, especially in funding or deposit activities at BMT NU Kapongan Situbondo branch. As for the profit sharing that will be obtained by the customer in the form of automatic money, the customer does not know for sure the amount of profit obtained from the contract. This study aims to analyze the implementation and determination of profit sharing in the mudharabah muthlaqah contract in the fathonah education savings product of BMT NU Kapongan Situbondo branch. The research method used in this study is a qualitative descriptive method. The results of the study explain that the implementation of fathonah education savings is in accordance with sharia principles in terms of fulfillment rather than contracts, this can be proven by the owner of capital giving freedom to mudharib (BMT). However, the distribution of the profit sharing ratio is not fixed because there are several things, including the small number of customers who collect their funds in fathonah education savings products and the small profit income from managed capital, causing the context of determining the profit sharing ratio not in accordance with the specified contract.
Pricing Practices on Digital Platforms from the Perspective of Islamic Business Ethics: A Study of Marketplace Operators in Indonesia Fadhila Sukur Indra; Miftahul Huda
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jidef.v2i01.584

Abstract

Objective: This study aims to analyze the pricing mechanisms on digital platforms, identify the factors influencing price volatility, and examine these mechanisms from the perspective of Islamic business ethics. Method: This study employs a qualitative field case study approach in Indonesia. Primary data was collected through in-depth interviews with marketplace business operators selected via purposive sampling. Data analysis applied the interactive model proposed by Miles, Huberman, and Saldaña. Results: Research findings indicate that pricing on digital platforms is dynamic (dynamic pricing) and highly responsive to platform structure, moving beyond the conventional cost-plus pricing method. Prices are determined through real-time interactions between internal cost calculations, competitive strategies among stores, platform algorithms, promotional momentum (such as flash sales or date-matching promotions), and consumer perceptions of value. This strategy is crucial for sellers to maintain product visibility and competitiveness. However, this pricing structure is often not fully understood by buyers, leading to information asymmetry. Implications: Ethically, price flexibility aligns with the principle of al-’adl and free-market mechanisms. However, this paper emphasizes the need for transparency (bayān), mutual consent (tarāḍin), and trustworthiness; thus, psychological manipulation such as raising prices before applying a discount is deemed ethically flawed. Accountable platform governance and the strengthening of consumer digital literacy are required. Novelty: This study lies in a shift in the focus of academic analysis from a previous tendency to treat price solely as a static economic variable influencing purchasing decisions to an analysis of socio-technological processes. This study examines how digital prices are constructed as the result of complex negotiations mediated by socio-economic technologies (algorithms and platform interface design) and are empirically evaluated using the substantive principles of Islamic mua'malah ethics.
Co-Authors Aliya Putri, Sri Firda Rahmi Amary Khoirunnisa Amelia Ayuningtias Annas Syams Rizal Fahmi Arif Dian Santoso Arjuw Fayyaza Baharuddin, A Zamakhsyari Damayanti, Elok Devid Frastiawan Amir Sup Faila, Febri Fradillah, Haura Ann’izzatil Henin Justitia Kusumastuti, Annisa Silvi Maritza Putri Nabila Mayasa Ilahi Meitria Cahyani Miftahul Huda Milenia Ayu Saraswati Muhammad Fuad, Andi Muhammad Irkham Firdaus Nur Jamilah, Adinda Muftiviany Rachmawati, Andini Retnowati, May Shinta Sahira Sajjadia Luthia Siti Nur Adila Siti Nur Adila Yuli Saputri Siti Nur Aisyah Suci Widya Wati Suhaila Izzati Wintri Ningsih Yeni Zannuba Arifah Yunita Wulandari Zahro’, Khurun’in Zalfarani Abdillah