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All Journal EKONOMIKA SYARIAH : Journal of Economic Studies Al Hurriyah : Jurnal Hukum Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW (IJOSPL) EKONOMIKA SYARIAH : Journal of Economic Studies
Yefri Joni
Fakultas Ekonomi Dan Bisnis Islam IAIN Bukittinggi
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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HUBUNGAN FIQH DAN ILMU EKONOMI DALAM EKONOMI ISLAM Joni, Yefri
Alhurriyah Vol 12, No 1 (2011): Januari - Juni 2011
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1633.523 KB) | DOI: 10.30983/alhurriyah.v12i1.570

Abstract

Discussion about epistemology of Islamic economy among the Islam theologian is a very interesting discussion, remind that rules in life, which is known as fiqh, it cannot be directly regarded as an economic science. Likewise direct economic science cannot be labeled with Islamic’s name, because it source is different.
A Acculturation of Islamic Teachings and Traditional Minang Kabau Locality in Economic Practices Miswardi Miswardi; Yefri Joni; Nasfi Nasfi
INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW Vol. 2 No. 1 (2021): February 2021
Publisher : INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8888/ijospl.v2i1.31

Abstract

a society, values ??that govern life are needed in order to create order in life together. This system of values ??is needed to ensure that the rights of everyone in that society are maintained. The values ??held by the community usually come from something that is highly regarded and respected by everyone in the community. In indigenous peoples, the system of values ??that is believed to be a customary system that originates from reason and mind after the reading process of nature. For religious communities the value system that is believed to be a value system that originates from God's revelation. When the identity of the community is as a customary community and religion, then between religion and custom there is a process of acculturation, although many experts have researched and written about the acculturation between religious and customary teachings, but in this study the researcher saw the acculturation between customary and customary law. as well as religion, especially the customary law and customs of the Minangkabau community which are related to the economic practices of local communities. From the research conducted, it was found that the acculturation of Islamic teachings into the customs of the Minangkabau community because these two values ??have in common some sources, namely reason and nature
WAKAF SEBAGAI ALTERNATIF PENGELOLAAN DANA TABARRU’ PADA TAKAFUL Yefri Joni; Adelina Zuleika
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 1, No 2 (2017): Juli-Desember 2017
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v1i2.436

Abstract

Takaful industry has shown significant growth in term of assets and market penetrations, for the past few years. Despite its significant growth and role, it keeps several issues pertaining its fund management i.e. the tabarru’ fund. Hence, this paper attemps to analyze its issues and challenges, and to propose a way forward to overcome those issues. Researcher argue that applying Waqf mchanism would solve those issues. Method and Findings: applying literature review approach, researchers analyzed the Wakalah and Mudarabah model that are applied to manage Tabarru’ fund which based on Hibah. Takaful Operator has to ensure the availability of Tabarru’ fund to meet the participant claims, and to make use of the fund through investment activities. It is found that the underwriting surplus of Tabarru’ fund is divided among the participant and Takaful Operator, which invites the Shariah issue, since the fund is not belong to Operator neither returned back to participant. Accordingly, the cash Waqf mechanism is better applied. The benefit of cash wakaf could be used by contracting parties, while the main matter should be kept. Accordingly, by applying cash wakaf mechanism the shariah issue of underwriting surplus could be overcome; while the Operator could keep the fund as third party’s capital for its long term sustainability. Beberapa tahun belakangan ini Industri Asuransi berkembang signifikan dalam hal pertunbuhan aset dan penetrasi pasar. Namun dibalikperkembangan signifikan tersebut, terdapat isu terkait manajemen dana Asuransi , tepatnya manajemen dana Tabarru’. Penelitian ini bermaksud untuk menganalisis isu, tantangan, berikut saran untuk mengatasi masalah tersebut. Peneliti berargumen, bahwa dengan menerapkan mekanisme wakaf tunai bisa mengatasi masalah yang dimaksud. Metode dan Temuan: menggunakan pendekatan tinjauan pustaka, peneliti menganalisis model Wakalah dan Mudarabah yang diterapkan untuk mengelola dana Tabarru’. Perusahaan harus memastikan ketersediaan dana Tabarru’ untuk memenuhi klaim kerugian peserta, dan untuk investasi. Dalam prakteknya surplus underwriting, yaitu; surplus dari iyuran tabarru’ ditambah keuntungan investasi dikurangi biaya klaim dan tanggungan lainnya; dibagikan kepada peserta dan perusahaan Asuransi , yang kemudian menimbulkan isu ketaatan , karena dana tabarru’ bukan ditujukan untuk perusahaan dan tidak boleh dikembalikan kepada peserta. Oleh karenanya, mekanisme wakaf tunai dipandang lebih baik untuk diterapkan. Manfaat dari wakaf tunai dapat digunakan oleh pihak yang terikat kontrak sedangkan wakaf itu sendiri harus tetap dijaga kelestariannya. Dengan demikian, isu pelanggaran ketaatan karena pembagian surplus underwriting dapat ditanggulangi; sekaligus perusahaan mengelola dana wakaf sebagai modal pihak ketiga untuk keberlangsungan jangka panjang perusahaan.
Aplikasi Prinsip Ekonomi Islam Dalam Menyelesaikan Persoalan Ekonomi Yefri Joni; Awaluddin Awaluddin; Sinky Adella; Rina Anggraini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (312.605 KB) | DOI: 10.47467/alkharaj.v4i6.1458

Abstract

As a religion and a system of life, Islam has provided a solution to today's economic problems. Poverty, unemployment, scarcity and economic inequality are economic problems that never end, and even raise new problems. Instruments and principles of Islamic teachings such as Tauhi, Khilafah, Togetherness and justice are basic values ​​that will give happiness to humans in meeting their needs. The principle of monotheism teaches an attitude to always be protected from everything that will damage human life. This principle is revealed to be an integral part of the behavior of consumers, producers and distributors. Absolute Ownership or absolute ownership is Allah SWT and is realized by humans, so this value becomes a part in realizing benefit in fulfilling needs and reducing or even eliminating economic problems such as poverty, unemployment and economic inequality. This problem arises because humans feel that they have all the economic resources and are free to use them without any binding value, even though humans are only given temporary rights in controlling these resources (relative ownership). Real analysis of economic problems will be realized through awareness as a servant of God who is given the mandate to manage this nature, it will bring about sufficient simplicity. The caliphate aspect as an Islamic economic principle provides a way to solve economic problems by maximizing the function of the state as an economic control and controller in order to achieve mutual benefit. While the aspect of justice contributes to solving economic problems by providing space proportionally by always encouraging economic growth through existing economic potential and poverty protection through income distribution (zakat, infaq and shadaqah), justice will be realized together in the frame of brotherhood. Keywords: Islamic Economic Principles; Solving Economic Problem
WAKAF SEBAGAI ALTERNATIF PENGELOLAAN DANA TABARRU’ PADA TAKAFUL Yefri Joni; Adelina Zuleika
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 1, No 2 (2017): Juli-Desember 2017
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (837.868 KB) | DOI: 10.30983/es.v1i2.436

Abstract

Takaful industry has shown significant growth in term of assets and market penetrations, for the past few years. Despite its significant growth and role, it keeps several issues pertaining its fund management i.e. the tabarru’ fund. Hence, this paper attemps to analyze its issues and challenges, and to propose a way forward to overcome those issues. Researcher argue that applying Waqf mchanism would solve those issues. Method and Findings: applying literature review approach, researchers analyzed the Wakalah and Mudarabah model that are applied to manage Tabarru’ fund which based on Hibah. Takaful Operator has to ensure the availability of Tabarru’ fund to meet the participant claims, and to make use of the fund through investment activities. It is found that the underwriting surplus of Tabarru’ fund is divided among the participant and Takaful Operator, which invites the Shariah issue, since the fund is not belong to Operator neither returned back to participant. Accordingly, the cash Waqf mechanism is better applied. The benefit of cash wakaf could be used by contracting parties, while the main matter should be kept. Accordingly, by applying cash wakaf mechanism the shariah issue of underwriting surplus could be overcome; while the Operator could keep the fund as third party’s capital for its long term sustainability. Beberapa tahun belakangan ini Industri Asuransi berkembang signifikan dalam hal pertunbuhan aset dan penetrasi pasar. Namun dibalikperkembangan signifikan tersebut, terdapat isu terkait manajemen dana Asuransi , tepatnya manajemen dana Tabarru’. Penelitian ini bermaksud untuk menganalisis isu, tantangan, berikut saran untuk mengatasi masalah tersebut. Peneliti berargumen, bahwa dengan menerapkan mekanisme wakaf tunai bisa mengatasi masalah yang dimaksud. Metode dan Temuan: menggunakan pendekatan tinjauan pustaka, peneliti menganalisis model Wakalah dan Mudarabah yang diterapkan untuk mengelola dana Tabarru’. Perusahaan harus memastikan ketersediaan dana Tabarru’ untuk memenuhi klaim kerugian peserta, dan untuk investasi. Dalam prakteknya surplus underwriting, yaitu; surplus dari iyuran tabarru’ ditambah keuntungan investasi dikurangi biaya klaim dan tanggungan lainnya; dibagikan kepada peserta dan perusahaan Asuransi , yang kemudian menimbulkan isu ketaatan , karena dana tabarru’ bukan ditujukan untuk perusahaan dan tidak boleh dikembalikan kepada peserta. Oleh karenanya, mekanisme wakaf tunai dipandang lebih baik untuk diterapkan. Manfaat dari wakaf tunai dapat digunakan oleh pihak yang terikat kontrak sedangkan wakaf itu sendiri harus tetap dijaga kelestariannya. Dengan demikian, isu pelanggaran ketaatan karena pembagian surplus underwriting dapat ditanggulangi; sekaligus perusahaan mengelola dana wakaf sebagai modal pihak ketiga untuk keberlangsungan jangka panjang perusahaan.
Co-Authors Adelina Zuleika Awaluddin Awaluddin Miswardi Nasfi, Nasfi Rina Anggraini Sinky Adella