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All Journal International Journal of Nusantara Islam DE'RECHTSSTAAT Madinah: Jurnal Studi Islam Al-Kharaj: Journal of Islamic Economic and Business Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan Asyahid Journal of Islamic and Quranic Studies (AJIQS) Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah AL-MASHALIH (Journal of Islamic Law) Jurnal Multidisiplin West Science Al Hisab: Jurnal Ekonomi Syariah Jurnal Hukum Ekonomi Syariah Cantaka: Jurnal Ilmu Ekonomi dan Manajemen Jurnal Maps (Manajemen Perbankan Syariah) Jurnal Pembumian Pancasila : Mewujudkan TRISAKTI sebagai Pedoman Amanat Penderitaan Rakyat International Journal of Nusantara Islam Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Ayi Yunus Rusyana
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Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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MENCARI TITIK TEMU EKONOMI PANCASILA DAN EKONOMI SYARIAH: REFLEKSI DALAM KONTEKS PANDEMI COVID-19 Pradja, Juhaya S.; Rusyana, Ayi Yunus; Witro, Doli
Jurnal Pembumian Pancasila Vol 1 No 2 (2021): Urgensi Pembumian Nilai-Nilai Luhur Pancasila Menjadi Roh Pembangunan Bangsa
Publisher : Dewan Pimpinan Pusat Gerakan Pembumian Pancasila

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Abstract

Artikel ini berusaha untuk mencari titik temu antara ekonomi Pancasila dengan nilai-nilai ekonomi Syariah. Ikhtiar pencarian titik temu ini menjadi penting untuk dilakukan mengingat kondisi pandemi covid-19 yang berdampak kepada perekonomian masyarakat. Penelitian ini bertujuan untuk menjelaskan tentang keterkaitan prinsip-prinsip akad dalam hukum ekonomi syariah dengan nilai-nilai dalam ekonomi pancasila. Artikel ini merupakan penelitian kualitatif yang bersifat pustaka (library research). Penelitian ini menggunakan pendekatan teori hukum Pancasila. Teknik penulisan data yang digunakan adalah teknis analisis data yang dikenal oleh Miles dan Huberman yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa terdapat titik temu antara nilai-nilai ekonomi Pancasila dengan nilai-nilai ekonomi Syariah, terutama di dalam nilai ketuhanan, nilai kemanusiaan, nilai persatuan, nilai kerakyatan dan nilai keadilan. Jika pemerintah, pelaku ekonomi, akademisi maupun masyarakat menjadikan nilai-nilai yang ada di dalam sistem ekonomi Pancasila dan ekonomi Syariah sebagai pedoman atau fondasi, tidak menutup kemungkinkan warga Indonesia akan berhasil melewati ujian pandemi covid-19.
The role of Zakat and Fitrah in improving Community Welfare: A Case Study of Baznas Garut Regency Enceng Iip Syaripudin; Ah. Fathonih; Ija Suntana; Ayi Yunus Rusyana; Gini Gaussian; Deni Kon Kon Furkony
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 8 No. 2 (2024): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v8i2.4006

Abstract

Zakat has great potential to improve the welfare of people in Indonesia, including in Garut Regency. The professional and accountable management of zakat by the National Zakat Agency (BAZNAS) of Garut Regency is expected to encourage an increase in the economic welfare of the community. However, the performance of BAZNAS Garut in this case is not optimal, so the impact on improving public welfare is also not optimal. This gives rise to a critical perspective in society. This study aims to analyze the governance, distribution system, and the impact of Zakat mal and Zakat fitrah distributed BAZNAS Garut in improving the economic welfare of the community. The method used is descriptive analysis with empirical juridical approach and graphic simulation. The results showed that: 1) conceptually and empirically, zakat can increase economic growth and welfare; 2) distribution of zakat Mal BAZNAS Garut consists of consumptive and productive programs; 3) zakat mal has a positive impact on improving economic welfare; and 4) zakat al-Fitr also has a positive impact on improving the economic welfare of the community. However, this study concludes that the management of zakat by BAZNAS Garut is not optimal, so it is necessary to improve performance to realize better welfare.
Analisis Konseptual dan Praktis Penerapan Al-Qawa’id Al-Fiqhiyyah Al-Iqtishadiyyah dalam Pengembangan Ekonomi Syariah Kontemporer Rahmat, Rahmat Nur Ramdan; Bisri, Hasan; Rusyana, Ayi Yunus
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 1 (2025)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i1.1335

Abstract

This study provides an in-depth analysis of the concepts and implementation of Al-Qawa’id Al-Fiqhiyyah Al-Iqtishadiyyah in the development of contemporary Islamic economics. The fiqh economic principles serve not only as a legal foundation but also as a strategic guideline to address modern economic challenges such as digitalization, globalization, and sustainability. The study reveals that while these principles exhibit flexibility in adapting to the dynamics of the era, their application is often hindered by a lack of practical guidelines and differing interpretations among Islamic economic practitioners. This research highlights the urgency of aligning fiqh principles with global market demands without compromising shariah values. Proposed solutions include integrating fiqh principles into Islamic economic regulations, developing technology-based practical guidelines, and enhancing fiqh economic literacy among practitioners. The findings demonstrate that the strategic application of fiqh principles can strengthen the competitiveness of Islamic economics while upholding Islamic ethical values amidst global changes.
Implementation of Deductions for Repayment of Murabahah Financing Debts Before Due Date : Case Study of Sharia Financial Institutions Tamba, Dheddy Abdi; Mukhlas, Oyo Sunaryo; Rusyana, Ayi Yunus
Jurnal Mediasas: Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Vol. 6 No. 2 (2023): Jurnal Mediasas: Media Ilmu Syariah dan Ahwal Al-Syakhsiyyah
Publisher : Islamic Family Law Department, STAI Syekh Abdur Rauf Aceh Singkil, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58824/mediasas.v6i2.138

Abstract

This research examines loan repayment at LKS (Sharia Financial Institutions) which provides reductions or deductions for debt repayment of debtors (customers) made before the maturity date of the murabahah contract. This research is also based on the frequent problems that arise between LKS (Sharia Financial Institutions) and customers regarding the absence of deductions for payments on murabahah contracts, because the rules for deductions are not included and are not agreed upon in the contract. This research method uses a descriptive qualitative method, namely with the subject and object being LKS, employees and debtors who use murabahah contract financing. And the data collection technique uses interview and documentation techniques. The research results explain that; (1) implementation of discounts for prepayment of remaining financing debts in murabahah financing transactions on LKS in Indonesia. This is the authority of the LKS in whether or not to grant deductions based on certain considerations, based on Fatwa DSN-MUIoNo.23/DSN-MUI/III/22002. In practice, customers can go directly to LKS to submit a request for a discount on payments before the due date. (2) The impact of deductions on repayment before the due date will have a positive impact on the Bank itself, namely creating trust in customers or consumers because they have given appreciation to customers who make repayment before the due date. Meanwhile, the postive impact for customers as business actors is getting relief. [Abstrak: Penelitian ini menelaah tentang pelunasan pinjaman pada LKS (Lembaga Keuangan Syariah) yang memberikan pengurangan atau potongan terhadap pelunasan utang debitur (nasabah) yang dilakukan sebelum jatuh tempo pada akad murabahah. Penelitian ini juga didasarkan dari sering munculnya permasalahan antara pihak LKS (Lembaga Keuangan Syariah) dan nasabah perihal tidak adanya potongan atas pelunasan pada akad murabahah, karena aturan potongan tidak dicantumkan dan tidak diperjanjikan didalam akad. Metode penelitian ini menggunakan metode kualitatif)deskripstif, yaitu dengan subjek dan objeknya LKS, pegawai serta debitur yang menggunakan)pembiayaan akad murabahah. Dan teknikkpengumpulan datanya dengan teknik wawancara dan dokumentasi. Hasil penelitian menjelaskan bahwa; (1) pelaksanaan pemberian potongan untuk pelunasan sisa utang pembiayaan sebelum waktunya dalam transaksi pembiayaan murabahah pada LKS yang ada di Indonesia. Hal ini hak kewenangan pihak LKS dalam pemberian potongan atau tidak dengan pertimbangan tertentu, yang berdasarkan Fatwa DSN-MUIoNo.23/DSN-MUI/III/22002. Pada pelaksanaannya nasabah bisa langsung mendatangi ke pihak LKS untuk mengajukan permohonan meminta potongan atas pelunasan sebelum jatuh tempo. (2) Dampak dari pemotongan pada pelunasan sebelum jatuhhtempo, akan berdampak positif bagi pihak Bank itu sendiri, yaitu menimbulkan kepercayaan kepada nasabah atau konsumen karena telah memberikan apresiasi kepada nasabah yang melakukan pelunasan sebelum jatuh tempo. Sedangkan dampak postiffbagi pihak nasabah sebagai pelaku usaha yaitu mendapatkan keringanan.]
IMPLEMENTATION OF SHARIA COMPLIANCE IN INNOVATIVE PRODUCT DEVELOPMENT IN SHARIA BANKS Ratnasari, Aireni; Mukhlas, Oyo Sunaryo; Rusyana, Ayi Yunus; Noor Silmi Sudrajat, Ajeung Syilva Syara; Jamaludin , Jujun
DE'RECHTSSTAAT 2024: SPECIAL ISSUE ON LEGAL BUSINESS, PUBLIC POLICY, AND GREEN TECHNOLOGY
Publisher : Fakultas Hukum Universitas Djuanda

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Abstract

The establishment of sharia financial institutions is a response to the need for Muslims to carry out aspects of their economic life in accordance with the principles of the Qur'an and Hadith, as well as to meet the need for interest-free banking. However, the main challenge for Islamic banks is to develop amidst the dominance of established conventional banking. The success of Islamic banks not only depends on the formal adoption of Islamic rules in muamalat, but also on the consistency and trust of society in their compliance with sharia principles. This research aims to analyze the implementation of sharia compliance in the development of innovative products in sharia banks. This research uses a normative legal approach. by collecting data from legal literature and related documents, as well as analyzing sharia bank policies and practices in developing innovative products. The research results show that Islamic banks that are successful in developing innovative products are those that are able to maintain consistency with sharia principles in every stage of the product, from planning to implementation. The main obstacles include challenges in implementing a fair and transparent profit sharing system, as well as the need for skilled human resources in sharia bank operations. Nevertheless, there is significant potential for Islamic banks to expand financial access for low-income communities through products that comply with sharia principles.
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.
Toward an Islamic Functional Theory of Marital Assets: Bridging Classical Fiqh and Modern Legal Needs Suprihatin, Suprihatin; Lawang, Karimuddin Abdullah; Rusyana, Ayi Yunus; Najmudin, Nandang
Al-Qadha : Jurnal Hukum Islam dan Perundang-Undangan Vol. 12 No. 2 (2025): Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan
Publisher : Hukum Keluarga Islam IAIN LANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/qadha.v12i2.12425

Abstract

This study originates from the absence of a functional theory that systematically explains the legal status of joint marital property within the framework of Islamic law. Previous studies have predominantly focused on normative aspects such as shirkah (partnership), maintenance (nafaqah), and hibah (gifts), without conceptualizing joint property as an instrument for protecting the reciprocal rights of spouses. This theoretical gap raises critical questions regarding how Islamic jurisprudence can respond to the demands of modern legal systems that emphasize legal certainty, economic justice, and mutual protection within marriage. Accordingly, this research aims to formulate a Functional Theory of Joint Marital Property from an Islamic perspective through the integration of classical fiqh principles, social functionalist theory, and the local wisdom of the Indonesian archipelago (Nusantara). The study employs a library-based research method with normative analysis, utilizing approaches from usul al-fiqh, legal hermeneutics, and social systems theory. This multidimensional approach enables the identification of principles of reciprocity, public interest (maslahah), and rights protection embedded in classical fiqh texts, as well as their relevance to the Indonesian legal system. The findings indicate that joint marital property serves three primary functions: a protective function safeguarding the rights of both spouses; a stabilizing function ensuring the continuity and resilience of the household; and an integrative function that harmonizes Islamic jurisprudence with the requirements of modern legal frameworks. This functional theory of joint marital property constitutes a novel contribution to the development of Islamic family law in Indonesia and may serve as a foundational framework for regulatory reform, the formulation of jurisprudential guidelines, and the strengthening of rights-based protection mechanisms within marriage.
Implementation Al- qawā ʿ id Al- fiqhiyyah Al- asāsiyyah in Islamic Economics through Donation-Based Crowdfunding Sari Damayanti; Hasan Bisri; Ayi Yunus Rusyana; Sri Dewi Anggadini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9164

Abstract

Abstract This article examines the implementation of al-qawā ʿid al-fiqhiyyah al-asāsiyyah in contemporary Islamic economic practices, particularly in the donation-based crowdfunding model. Fiqhiyyah principles are general guidelines that can be applied to address modern muamalah issues. With the development of financial technology, donation-based crowdfunding practices have become a popular new socio-economic instrument in Indonesia and the world. This analysis shows that the five main fiqhiyyah principles (al-umūr bi maqāsidihā, al-yaqīn lā yazūlu bi al-syakk, al-masyaqqah tajlib al-taysīr, al- ḍ arar yuzāl, al- ʿ ādah mu ḥ akkamah) can be used as a legal basis to ensure that donation-based crowdfunding runs according to sharia principles, is safe, and beneficial to society. This article also discusses crowdfunding theory, the history and development of crowdfunding institutions, the problems faced, as well as solutions and future prospects. Keywords: Qawā ʿ id Fiqhiyyah, Crowdfunding, Islamic Economics, Donations, Muamalah .
Manifestasi Nilai-Nilai Islam Madani di Kalangan Generasi Muslim Gen Z melalui Prinsip Moderasi (Wasathiyyah), Filantropi Digital, dan Kepedulian Ekologis Mukhlas, Oyo Sunaryo; Sururie, Ramdani Wahyu; Shaleh, Chaerul; Fauziah, Ine; Rusyana, Ayi Yunus; Irawan, Tantri
Jurnal Multidisiplin West Science Vol 5 No 01 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i01.3091

Abstract

Penelitian ini mengkaji manifestasi nilai-nilai Islam Madani di kalangan generasi Muslim Gen Z melalui prinsip moderasi (wasathiyyah), filantropi digital, dan kepedulian ekologis. Dalam era digital yang sarat dengan perubahan nilai sosial, generasi ini menafsirkan kembali etika Islam tidak hanya sebagai spiritualitas pribadi, tetapi juga sebagai tanggung jawab sosial yang diwujudkan melalui gaya hidup berkeadilan, konsumsi moderat, serta keterlibatan aktif dalam kegiatan sosial dan lingkungan seperti charity run, donasi digital, dan eco-sadaqah. Dengan menggunakan pendekatan sosiologis dan etika ekonomi Islam, penelitian ini menelaah bagaimana inovasi teknologi dan media sosial telah mentransformasi bentuk-bentuk sedekah tradisional menjadi praktik filantropi digital yang inklusif, transparan, dan berkelanjutan. Hasil penelitian menunjukkan bahwa semangat Islam Madani yang menekankan keseimbangan, keadilan, dan kasih saying tetap hidup di kalangan Muslim muda yang kini membentuk pola keberagamaan baru yang moderat, partisipatif, dan berorientasi pada maslahah ‘ammah. Fenomena ini menegaskan bahwa Islam Madani di era Gen Z menjadi model praksis keberislaman modern yang mengintegrasikan iman, teknologi, dan tanggung jawab ekologis dalam mewujudkan masyarakat yang adil, berkeadaban, dan berkelanjutan.
Co-Authors Ah. Fathonih Ali Santosa Amany, Amany Chaerul Shaleh, Chaerul Deni Kon Kon Furkony Eman Suherman Enceng Iip Syaripudin Fauziah, Ine Gini Gaussian Hadiat, Hadiat Hasan Bisri Hasan Bisri Ija Suntana Irawan, Tantri Jamaludin , Jujun Lawang, Karimuddin Abdullah Mubarok, Anas Bayan Muhammad Fahmi Akbar Mukhlas, Oyo Sunaryo Nandang Najmudin Noor Silmi Sudrajat, Ajeung Syilva Syara Nurjaman, Muhamad Izazi Pradja, Juhaya S. Rahmat, Rahmat Nur Ramdan Ramdani Wahyu Sururie Ratnasari, Aireni Samsudin, Agus Rojak Sari Damayanti Sri Dewi Anggadini Sulthonuddin, Bung Hijaj Suprihatin Suprihatin Tamba, Dheddy Abdi Witro, Doli Yadi Janwari