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All Journal Jurnal Ekonomi Bisnis Indonesia Al-Kharaj: Journal of Islamic Economic and Business An Nawawi Journal of Economics and Social Sciences Ar Rasyiid Journal of Islamic Studies Karimiyah: Journal of Islamic Literature and Muslim Society
Afried lazuardi
UIN Syarif Hidayatullah Jakarta
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PERBANKAN DAN KEUANGAN SYARIAH DALAM PERSPEKTIF SEJARAH PEMBENTUKAN HUKUM ISLAM Asy’ari Akbar, Muh; Abdurrohman Akbar, Firman Muhammad; Lazuardi, Afried
Ar Rasyiid: Journal of Islamic Studies Vol. 1 No. 2 (2023): Ar Rasyiid: Journal of Islamic Studies
Publisher : Sekolah Tinggi Agama Islam Minhaajurroosyidiin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70367/arrasyiid.v1i2.9

Abstract

Dalam sejarah peradaban manusia, terdapat beberapa bentuk sistem ekonomi yang telah ditemukan, seperti sistem ekonomi kapitalis, marxis, atau sosialis, dan sistem ekonomi Islam. Sistem ekonomi kapitalis dan sosialis telah berkembang sejak lama, sementara sistem ekonomi Islam baru dikembangkan dalam tiga dekade terakhir. Sistem ekonomi yang telah berkembang sejauh ini mengacu pada sistem ekonomi Eropa. Hal ini karena istilah sistem ekonomi Islam belum dikenal. Oleh karena itu, tujuan dari penelitian ini adalah untuk menganalisis perbankan dan keuangan Islam dalam perspektif sejarah pembentukan hukum Islam mulai dari zaman Rasulullah SAW hingga zaman dinasti Abbasi. Metode penelitian menggunakan analisis deskriptif. Jenis data yang digunakan adalah data sekunder. Teknik pengumpulan data menggunakan studi literatur. Hasil penelitian menunjukkan bahwa selama masa dinasti Abbasi, prinsip-prinsip perbankan sudah terlihat permukaannya, yaitu selama pemerintahan al-Muqtadir. Selama zaman Nabi Muhammad hingga masa Umayyah, hal ini tidak dikenal sebagai bank, tetapi fungsinya dilakukan menggunakan kontrak sesuai dengan syariah.
PENGEMBANGAN MODEL PEMBIAYAAN SYARIAH UNTUK USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) Abdurrohman Akbar, Firman Muhammad; Rosidta, Adina; Lazuardi, Afried
Ar Rasyiid: Journal of Islamic Studies Vol. 2 No. 1 (2024): Ar Rasyiid: Journal of Islamic Studies
Publisher : Sekolah Tinggi Agama Islam Minhaajurroosyidiin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70367/arrasyiid.v2i1.17

Abstract

UMKM memiliki peran penting dalam perekonomian Indonesia, menyumbang sekitar 60% dari PDB dan menyerap lebih dari 97% tenaga kerja. Namun, akses permodalan menjadi hambatan utama bagi pertumbuhan UMKM, sekitar 70% mengalami kesulitan mendapatkan pembiayaan. Faktor-faktor seperti kurangnya jaminan, biaya administrasi yang tinggi, dan kurangnya pengetahuan tentang produk pembiayaan. Pembiayaan syariah muncul sebagai solusi potensial dengan menawarkan model yang lebih adil dan transparan, menghindari riba, gharar, dan batil, serta menggunakan prinsip bagi hasil yang membagi risiko dan keuntungan secara proporsional. Penelitian ini menggunakan metode studi literatur untuk mengeksplorasi berbagai model pembiayaan syariah yang diterapkan pada UMKM di Indonesia, termasuk mudharabah, murabahah, dan musyarakah. Analisis menunjukkan kebutuhan modal UMKM bervariasi berdasarkan sektor, sektor manufaktur memerlukan modal besar. Murabahah, ijarah, mudharabah, dan musyarakah masing-masing memiliki kelebihan dan kelemahan, tetapi kombinasi murabahah dan musyarakah dianggap paling ideal karena menawarkan fleksibilitas dan pembagian risiko yang lebih adil. Data empiris dan teori keuangan Islam, seperti Maqasid al-Shariah, mendukung pengembangan pembiayaan syariah untuk meningkatkan akses permodalan, mendorong pertumbuhan ekonomi inklusif, dan memberdayakan masyarakat.
PENGARUH TRAINING, MOTIVASI DAN PEMBENTUKAN KARAKTER TERHADAP KINERJA KARYAWAN PERUSAHAAN PT. CATUR SENTOSA ADIPRANA, Tbk Hilda; Susiani Dewi, Kadek Ayu; Lazuardi , Afried; Permana, Amipriyadi Gerha
JEBI | Jurnal Ekonomi Bisnis Indonesia Vol. 19 No. 02 (2024): Jurnal Ekonomi Bisnis Indonesia
Publisher : JEBI | Jurnal Ekonomi Bisnis Indonesia

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

Abstract

Employees as a major resource companies must provide the best service to customers and provide optimum performance so that consumers feel underserved and satisfied. If consumers are not satisfied to make complaints that could damage the company's image. This indicates that the resource manusiasangat affect the success in achieving its objectives. Human resources has the function to manage what a company has to the maximum to obtain the expected results of the company.As a company engaged in the service PT.CaturSentosaAdiprana, Tbk facilitate employees by providing training that are expected to provide motivation and can form the character of employees that can improve performance. Employees who received training, there will be motivation in itself and with training can also form a character on an employeeor employees who can influence to improve the quality of performance. Performance is the result or the overall success rate of a person during a certain period in performing tasks compared to a variety of possibilities, such as the standard of the work
Sharia Public Private Partnership: An Alternative Financing For Infrastructure Development In Indonesia Arnoldy; Afried Lazuardi; Yulianti Yulianti; Muhammad Ichwan Hamzah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): 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.v7i4.7697

Abstract

Infrastructure development in Indonesia requires diverse and sustainable sources of financing, because the Indonesian APBN/APBD is not sufficient to finance Indonesian infrastructure financing needs, so other alternative sources of financing are needed. The aim of this research is to examine the role of Sharia Public Private Partnership (Sharia PPP) as an alternative financing for infrastructure development in Indonesia. The research is qualitative research in the form of descriptive analysis through library research, literature and government policies/regulations. The research results show that regulatory the Sharia PPP has a legal basis and the government has provided support, facilities (by establishing financing and guarantee institutions) and incentives for PPP projects, however its implementation still faces obstacles in terms of institutional readiness, sharia financial literacy, sharia financing instruments, size Indonesia’s Islamic Bank asset as well as lack understanding of business entities and market players
KAIDAH ’URF DALAM PRAKTIK PEMBAYARAN DI RUMAH MAKAN Arnoldy Arnoldy; Afried Lazuardi
Karimiyah: Journal of Islamic Literature and Muslim Society Vol. 3 No. 2 (2024): Karimiyah: Journal of Islamic Literature and Muslim Society
Publisher : Universitas Islam Depok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59623/kxha9r89

Abstract

In everyday life, we often unknowingly engage in muamalah practices that may not be fully in accordance with the teachings of Islam. However, these practices have become a long-standing common habit in society. Islam, as the last religion, provides guidelines for all aspects of human life in the world, including dealing with fellow human beings. Although 'urf is not always agreed upon by all scholars, in fiqh, 'urf is often used as a legal basis in various aspects of daily life that are constantly evolving. This study aims to explore how 'urf is applied in payment practices in many restaurants and food stalls in Indonesia. By using the rules of 'urf in everyday muamalah, customs that may not be fully compliant with sharia law do not always need to be changed. This can provide convenience and comfort when transacting in society without causing difficulties or conflicts.
DIGITAL FRAGMENTATION OF FAITH: POLARIZATION OF ISLAMIC UNDERSTANDING IN DIGITAL SPACES AND ITS SOCIETAL IMPLICATIONS FOR MUSLIM COMMUNITIES Afried Lazuardi; Agus Nilmada Azmi; Sasikirana Rizky Ramadhania
Karimiyah: Journal of Islamic Literature and Muslim Society Vol. 5 No. 1 (2025): Karimiyah: Journal of Islamic Literature and Muslim Society
Publisher : Universitas Islam Depok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59623/w1bdg498

Abstract

The rapid expansion of digital platforms has fundamentally restructured the landscape of Islamic religious discourse, generating conditions in which polarized interpretive communities emerge and consolidate among Muslim populations across the globe. This study investigates the mechanisms through which digital media environments catalyze the fragmentation of Islamic understanding and systematically examines the downstream social consequences for Muslim communities. Employing a systematic literature review methodology with thematic synthesis, we analyzed 48 peer-reviewed studies published between 2018 and 2025, with concentrated attention on scholarship produced between 2021 and 2023. Four principal mechanisms through which digital spaces produce interpretive polarization were identified: (1) algorithmic filtering that generates ideological echo chambers, (2) the unchecked democratization of religious authority enabling unverified interpretive claims to circulate widely, (3) the commodification of Islamic discourse for platform-driven audience engagement, and (4) the progressive erosion of traditional scholarly networks that historically moderated interpretive diversity. These mechanisms produce measurable social consequences, including deepened intracommunal tension, heightened identity-based conflict, the weakening of social cohesion, and the political instrumentalization of religious identity most acutely affecting younger Muslims. Against these tendencies, the study also identifies substantive countervailing forces: cyber-Islamic moderation movements, digital religious literacy initiatives, and organizationally grounded da'wah strategies that demonstrate the viability of constructive digital religious engagement. The theoretical contribution is the concept of "digital religious stratification," which models the structural interplay between platform architecture and Islamic interpretive diversity. These findings carry significant implications for religious educators, policymakers, platform developers, and Muslim civil society organizations committed to cultivating healthier conditions for religious discourse in increasingly digitalized public spheres.
Co-Authors Abdurrohman Akbar, Firman Muhammad Agus Nilmada Azmi Arnoldy Arnoldy Arnoldy Arnoldy Arnoldy Asy’ari Akbar, Muh Azaroh, Yuni Tamara Febri Dirgantara H Hamzah, M. Ichwan Haniatunnisa, Siti Hilda Lili Supriyadi M. Ichwan Hamzah Maruf, Chasan Muhammad Ichwan Hamzah Noer Zubaida, Aviana Permana, Amipriyadi Gerha Pujiono Pujiono Rosidta, Adina Sasikirana Rizky Ramadhania Susiani Dewi, Kadek Ayu Yulianti Yulianti