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Islam and Economic Development: Exploring the Role of Indonesian Muslim Society in Developing Islamic Microfinance Institution Ayi Yunus Rusyana
International Journal of Nusantara Islam Vol 2, No 1 (2014): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v2i1.50

Abstract

Although a religion is considered as a one of the cultural barriers that can impede an economic development, nevertheless in this paper I prove that Islam as well as Muslim society has a big role to empower economic life in Indonesian Muslim. The growth of Bayt al-Māl wa al-Tamwīl (BMT), Islamic microfinance institution, initiated by Muslim community is a great evidence on how religioun gave a positive impact in economic development in Indonesia. Using the theory of collective action proposed by Alberto Melucci, I explore the main factors that influenced Muslims to establish BMT, and how BMT movement develops in Indonesian Muslim society. Overall, in this paper I argue that the BMT movement can be considered as a social movement where the civil society takes more important role than the state. Interestingly, the lack of regulation is not becoming an obstacle for Muslim society to establish and develop BMT in some regions in Indonesia.
The Implications of Al-Māwardī's Thoughts on Community Economy During the Covid-19 Pandemic Ali Santosa; Yadi Janwari; Ayi Yunus Rusyana
Asyahid Journal of Islamic and Quranic Studies (AJIQS) Vol 3, No 2 (2021): Asyahid
Publisher : STAI AL-FALAH CICALENGKA

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

Abstract

The study in this paper departs from Islamic economic thought proposed by Imam Al-Māwardī. He is a well-known figure as an Islamic thinker who contributed a lot to the order of all fields of state and religion, especially in the economic field. The purpose of this study is to find out Al-Māwardī's thoughts on Islamic economics and its implications for dealing with the current Covid-19 outbreak. The research method used is descriptive qualitative about the concept of Islamic economic thought proposed by Al-Māwardī, whose data sources are obtained from his books. The results of the research obtained are Al-Māwardī's concept of thought regarding the development of Islamic economics related to the state and economic activities, taxation, and influential market mechanisms so that they can continue to be implicated in overcoming these contemporary problems, such as the Covid-19 pandemic. Keywords: Islamic economy, taxation, market mechanism, Covid-19 Abstrak Kajian pada tulisan ini berangkat dari pemikiran ekonomi Islam yang dikemukakan oleh Imam Al-Māwardī. Beliau merupakan sosok yang terkenal sebagai tokoh pemikir Islam yang banyak memberikan sumbangsi pada tatanan segala bidang kenegaraan dan agama terkhusus pada bidang ekonomi. Tujuan penelitian ini untuk mengetahui pemikiran Al-Māwardī terhadap ekonomi Islam beserta implikasinya yang dihadapkan dengan masalah wabah covid-19 yang terjadi sekarang ini. Metode penelitian yang digunakan deskriptif kualitatif mengenai konsep pemikiran ekonomi Islam yang dikemukakan oleh Al-Māwardī, yang sumber datanya diperoleh dari kitab-kitab karangannya. Hasil penelitian yang diperoleh ialah konsep pemikiran Al-Māwardī mengenai perkembangan ekonomi Islam yang berkaitan dengan negara dan aktivitas ekonomi, perpajakan, dan mekanisme pasar yang berpengaruh hingga dapat terus diimplikasikan dalam mengatasi masalah kontemporer ini, seperti pandemi Covid-19. Kata Kunci: Ekonomi Islam, perpajakan, mekanisme pasar, Covid-19
PEMIKIRAN EKONOMI IBNU TAIMIYAH DAN ASY-SYATIBI DIHUBUNGKAN DENGAN MAQASHID AL-SYARI’AH Muhammad Fahmi Akbar; Ayi Yunus Rusyana
Al-Hisab: Jurnal Ekonomi Syariah Vol 2 No 2 (2022): AL HISAB: Jurnal Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Baktiya Aceh Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (334.348 KB) | DOI: 10.59755/alhisab.v2i2.86

Abstract

Sejarah perekonomian global hasil pemikiran para tokoh ekonomi terdahulu, ini tidak bisa dibantah. Pemikiran kritis dan komprehensif menjadikan sistem ekonomi masih dirasakan sampai saat ini. Maqashid al-syari’ah merupakan tujuan dari syariah itu sendiri dan tidak dapat dilepaskan dari perspektif pemikiran Ibnu Taimiyah dan Asy-Syatibi. Tujuan penelitian ini menjelaskan pemikiran ekonomi Ibnu Taimiyah dan Asy-Syatibi dikaitkan dengan maqashid al-syari’ah. Pendekatan penelitian ini adalah kualitatif, metode historis, dan data dikumpulkan melalui studi data kepustakaan. Didapatkan hasil penelitian bahwa, 1) Ibnu Taimiyah mengedepankan kegiatan ekonomi berkeadilan. Mekanisme harga disesuaikan dengan perkembangan pasar yang berjalan secara alami. Sementara negara berkewajiban memenuhi kebutuhan hidup dan pemerataan kekayaan. 2), Asy-Syatibi mengusung konsep Maqashid Syariah dalam pemikirannya yakni mengelompokkan kepentingan sesuai dengan kepentingan primer, sekunder, dan tersier. Kemudian Asy-Syatibi juga berpendapat mengenai hak dan pajak berdasar konsep keadilan. 3), baik Ibnu Taimiyah maupun Asy-Syatibi mempunyai konsep yang sedikit berbeda dalam Maqashid Syariah dikaitkan dengan Pemikiran Ekonomi Keduanya. ABSTRACT The history of the global economy was the result of the thoughts of previous economic figures, this cannot be denied. Critical and comprehensive thinking makes the economic system still felt today. Maqashid al-shariah is the goal of shariah itself and cannot be separated from the perspective of Ibnu Taimiyah and Ash-Syatibi's thinking. The purpose of this research is to explain the economic thought of Ibnu Taimiyah and Ash-Syatibi associated with maqasid al-syariah. This research approach is qualitative, historical method, and data is collected through library data studies. The research results show that, 1) Ibnu Taimiyah prioritizes just economic activities. The price mechanism is adjusted according to natural market developments. While the state is obliged to fulfill the necessities of life and distribute wealth. 2), Asy-Syatibi carries the concept of Maqashid Shariah in his thinking, namely classifying interests according to primary, secondary and tertiary interests. Then Asy-Syatibi also argues about rights and taxes based on the concept of justice. 3), both Ibn Taimiyah and Asy-Syatibi have a slightly different concept in Maqasid Shari’ah associated with both Economic Thoughts.
Islam and Economic Development: Exploring the Role of Indonesian Muslim Society in Developing Islamic Microfinance Institution Ayi Yunus Rusyana
International Journal of Nusantara Islam Vol 2, No 1 (2014): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v2i1.50

Abstract

Although a religion is considered as a one of the cultural barriers that can impede an economic development, nevertheless in this paper I prove that Islam as well as Muslim society has a big role to empower economic life in Indonesian Muslim. The growth of Bayt al-Māl wa al-Tamwīl (BMT), Islamic microfinance institution, initiated by Muslim community is a great evidence on how religioun gave a positive impact in economic development in Indonesia. Using the theory of collective action proposed by Alberto Melucci, I explore the main factors that influenced Muslims to establish BMT, and how BMT movement develops in Indonesian Muslim society. Overall, in this paper I argue that the BMT movement can be considered as a social movement where the civil society takes more important role than the state. Interestingly, the lack of regulation is not becoming an obstacle for Muslim society to establish and develop BMT in some regions in Indonesia.
Teori Legal Realism: Konsep dan Eksistensinya dalam Hukum Ekonomi Syariah Di Indonesia Nurjaman, muhamad Izazi; Mubarok, Anas Bayan; Rusyana, Ayi Yunus; Bisri, Hasan
Al Mashalih - Journal of Islamic Law Vol. 4 No. 2 (2023): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v4i2.210

Abstract

Tujuan dari artikel ini untuk membahas konsep teori legal realism serta keberadaanya dalam hukum ekonomi syariah Indonesia. Metode yang digunakan dalam artikel ini adalah metode deskriptif analisis dengan pendekatan kualitatif. Hasil dari penelitian ini adalah: pertama, bahwa legal realism adalah suatu teori yang meyakini bahwa hukum adalah sesuatu yang benar-benar nyata dilakukan, bukan hanya sekumpulan aturan yang termuat dalam undang-undang tapi tidak dilaksanakan. Legal realism memandang hukum sebagai putusan pengadilan, menjadikan realitas sebagai pijakan dalam membentuk hukum, tidak mengakui adanya konsepsi hukum yang bersifat metafisik atau dalam logika. Ada dua aliran legal realism, yakni American Legal Realism dan Skandinavian Legal Realism, keduanya menganut faham legal realism. Kedua, teori legal realism ini memiliki beberapa keselarasan dengan hukum Islam dan juga ditemukan eksistensinya dalam hukum ekonomi syariah Indonesia. Salah satunya adalah dalam penetapan fatwa-fatwa hukum ekonomi syariah yang menjadikan realitas sosial masyarakat sebagai pertimbangan dalam menentukan aturan.
The Implications of Al-Māwardī's Thoughts on Community Economy During the Covid-19 Pandemic Santosa, Ali; Janwari, Yadi; Rusyana, Ayi Yunus
Asyahid Journal of Islamic and Quranic Studies (AJIQS) Vol. 3 No. 2 (2021): Asyahid
Publisher : STAI AL-FALAH CICALENGKA

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

Abstract

The study in this paper departs from Islamic economic thought proposed by Imam Al-Māwardī. He is a well-known figure as an Islamic thinker who contributed a lot to the order of all fields of state and religion, especially in the economic field. The purpose of this study is to find out Al-Māwardī's thoughts on Islamic economics and its implications for dealing with the current Covid-19 outbreak. The research method used is descriptive qualitative about the concept of Islamic economic thought proposed by Al-Māwardī, whose data sources are obtained from his books. The results of the research obtained are Al-Māwardī's concept of thought regarding the development of Islamic economics related to the state and economic activities, taxation, and influential market mechanisms so that they can continue to be implicated in overcoming these contemporary problems, such as the Covid-19 pandemic. Keywords: Islamic economy, taxation, market mechanism, Covid-19   Abstrak Kajian pada tulisan ini berangkat dari pemikiran ekonomi Islam yang dikemukakan oleh Imam Al-Māwardī. Beliau merupakan sosok yang terkenal sebagai tokoh pemikir Islam yang banyak memberikan sumbangsi pada tatanan segala bidang kenegaraan dan agama terkhusus pada bidang ekonomi.  Tujuan penelitian ini untuk mengetahui pemikiran Al-Māwardī terhadap ekonomi Islam beserta implikasinya yang dihadapkan dengan masalah wabah covid-19 yang terjadi sekarang ini. Metode penelitian yang digunakan deskriptif kualitatif mengenai konsep pemikiran ekonomi Islam yang dikemukakan oleh Al-Māwardī, yang sumber datanya diperoleh dari kitab-kitab karangannya. Hasil penelitian yang diperoleh ialah konsep pemikiran Al-Māwardī mengenai perkembangan ekonomi Islam yang berkaitan dengan negara dan aktivitas ekonomi, perpajakan, dan mekanisme pasar yang berpengaruh hingga dapat terus diimplikasikan dalam mengatasi masalah kontemporer ini, seperti pandemi Covid-19. Kata Kunci: Ekonomi Islam, perpajakan, mekanisme pasar, Covid-19
Implementasi Pembiayaan Musyarakah Mutanaqisah di Perbankan Syariah Indonesia Hadiat, Hadiat; Mukhlas, Oyo Sunaryo; Rusyana, Ayi Yunus
Cantaka: Jurnal Ilmu Ekonomi dan Manajemen Vol. 2 No. 1 (2024): Juni
Publisher : PT. Alahyan Publisher Sukabumi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61492/cantaka.v2i1.141

Abstract

This study aims to investigate the implementation of musyarakah mutanaqishah financing in sharia banking in Indonesia, specifically by considering three issues related to contract implementation: sharia issues, legal issues and operational issues. This research was conducted through a combination of descriptive qualitative methods and inductive analysis. The results of the analysis are based on Law of the Republic of Indonesia Number 21 of 2008 concerning Sharia Banking, DSN-MUI Fatwa Number 73/2008 concerning Musyarakah Mutanaqishah, and AAOIFI sharia standards. From a legal and operational analysis perspective based on BI regulations regarding banking laws, it is indicated that there is a discrepancy between the basic regulations and implementation in the field. Regarding operations, there is a delegation of all payment obligations for costs that arise in deviation from AAOIFI standards and DSN fatwas and there are no specific accounting standards related to MMQ.
Prospek Masa Depan Dual Banking System Dalam Konteks Globalisasi Ekonomi Syariah Samsudin, Agus Rojak; Mukhlas, Oyo Sunaryo; Rusyana, Ayi Yunus
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2024): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v6i1.4476

Abstract

The primary challenge facing the global banking system is how conventional and Islamic banking systems can operate simultaneously and synergistically within the context of Islamic economic globalization. This study aims to analyze the future prospects of the Dual Banking System, which integrates conventional and Islamic banking, in supporting global economic stability and growth. The methodology employs a qualitative approach with descriptive analysis, incorporating literature review and secondary data analysis from research reports of international institutions focused on the Islamic finance industry. The findings indicate that the Dual Banking System has significant potential to enhance financial inclusion and offer ethical and stable investment alternatives. However, substantial challenges, such as non-uniform regulations and disparate business cultures, remain to be addressed. The implications of this research suggest that with more comprehensive regulatory support and improved financial literacy, the Dual Banking System can become a crucial pillar in fostering a more inclusive and sustainable global economy
Analisis Teori Perubahan Hukum Dalam Kebijakan Hukum Ekonomi Syariah Di Indonesia Suherman, Eman; Ayi Yunus Rusyana; Hasan Bisri
MADINAH Vol 10 No 2 (2023): Madinah: Jurnal Studi Islam
Publisher : INSTITUT AGAMA ISLAM TARBIYATUT THOLABAH LAMONGAN, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/madinah.v10i2.1811

Abstract

Dalam beberapa dekade terakhir, hukum ekonomi syariah telah menjadi fokus perhatian di Indonesia. Dengan populasi Muslim terbesar di dunia, negara ini memiliki potensi besar untuk mengembangkan sistem keuangan dan ekonomi yang berdasarkan prinsip-prinsip syariah. Teori perubahan hukum memainkan peran penting dalam memahami dan menganalisis proses implementasi kebijakan hukum ekonomi terlebih lagi hukum ekonomi syariah di Indonesia. Metodologi yang digunakan dalam jurnal ini akan melibatkan analisis dokumen, termasuk peraturan perundang-undangan, keputusan pengadilan, serta literatur terkait. Selain itu, studi kasus tentang kebijakan hukum ekonomi syariah tertentu juga dapat dilakukan untuk memberikan pemahaman yang lebih mendalam tentang perubahan hukum yang terjadi. Hukum ekonomi syariah di Indonesia telah mengalami perubahan yang signifikan seiring waktu. Mulai dari adopsi UU yang mendukung pendirian bank syariah hingga pembentukan lembaga pengawas dan penerbitan regulasi yang lebih spesifik, perubahan hukum ini menggambarkan komitmen Indonesia dalam mengembangkan sektor ekonomi syariah. Perubahan hukum ekonomi syariah di Indonesia memiliki dampak signifikan terhadap pembangunan ekonomi berkelanjutan. Melalui inklusivitas dan pemberdayaan, stabilitas, serta pertumbuhan ekonomi, hukum ekonomi syariah dapat memberikan kontribusi penting dalam mencapai tujuan pembangunan ekonomi yang berkelanjutan. Penelitian ini diharapkan dapat memberikan kontribusi yang berharga bagi pengembangan teori perubahan hukum serta pemahaman yang lebih baik tentang implementasi kebijakan hukum ekonomi syariah di Indonesia.
Konsep Hukum Ekonomi Syariah Serta Implementasinya Di Negara Muslim Dan Non-Muslim Amany, Amany; Mukhlas, Oyo Sunaryo; Rusyana, Ayi Yunus; Sulthonuddin, Bung Hijaj
Jurnal Hukum Ekonomi Syariah Vol 3 No 1 (2024): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v3i1.816

Abstract

Islamic economics is an economic system that utilizes Islamic law as its foundation. Although rooted in Islamic law, this economic system remains open to participation from non-Muslim communities. The primary focus of Islamic economics is on collective prosperity rather than merely seeking profit. As a result, many countries that are not predominantly Muslim, or even those with liberal governments, implement the principles of Islamic economics across various aspects. One of the main implementations of Islamic economics is through financial institutions such as Islamic banking, known in Indonesia as Sharia Banking. This research aims to analyze the concept of Islamic economic law and its implementation in both Muslim and non-Muslim countries. By utilizing a literature study method, this research examines the application of Islamic economic law in various countries and the role of Islamic financial institutions. The findings indicate that the implementation of Islamic economic law in Muslim countries is more integrated compared to non-Muslim countries, which have only adopted it partially to meet the demands of the Islamic market.  Keywords: Islamic Economic Law, Implementation, Islamic Banking, Muslim Countries, Non-Muslim Countries