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<![CDATA[ANALISIS NORMATIF KRITIS KEBIJAKAN PEMANFATAN OBLIGASI SYARIAH (SUKUK) DALAM MENUTUP DEFISIT APBN ]]>
<![CDATA[Yahya, Muchlis]]>
<![CDATA[ Economica: Jurnal Ekonomi Islam Vol 6, No 2 (2015) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam UIN Walisongo ]]>
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DOI: 10.21580/economica.2015.6.2.793
<![CDATA[Tulisan ini bertujuan menganalisis keabsahan pemanfaatan sukuk (obligasi syariah) dalam menutup APBN defisit menurut kajian iE (Islamic Economics). Sebelum tahun anggaran 2008 celah APBN defisit ditutup dengan obligasi (surat utang) konvensional (surat utang berbasis suku bunga). Akan tetapi obligasi syariâah yang dikenal sukuk (surat utang berbasis bagi hasil) mulai dimanfaatkan. Pemegang sukuk pada periode tertentu akan mendapatkan keuntungan melalui bagi hasil. Secara teoritik, bagi hasil hanya akan muncul jika ada kegiatan komersial/bisnis. APBN adalah dokumen yang menunjukkan kondisi keuangan pemerintah yang menyajikan informasi mengenai pendapatan, pengeluaran, aktivitas dan tujuan yang hendak dicapai. Semua pengeluaran APBN hampir dipastikan diperuntukkan kegiatan konsumtif. Suatu kegiatan konsumsi tidak akan mungkin melahirkan laba/profit. Karenanya pemanfaatan sukuk guna menutup APBN defisit tidak sesuai secara teoritik iE. Tawaran alternatifnya adalah pengintegrasian zakat pada APBN dengan berbagai pertimbangan kritis.]]>
<![CDATA[TEORI BAGI HASIL (PROFIT AND LOSS SHARING) DAN PERBBANKAN SYARIAH DALAM EKONOMI SYARIAH ]]>
<![CDATA[Yahya, Muchlis]]>;
<![CDATA[Agunggunanto, Edy Yusuf]]>
<![CDATA[ JURNAL DINAMIKA EKONOMI PEMBANGUNAN Vol 1, No 1 (2011): JDEP Volume 1 Number 1 Year 2011 ]]>
Publisher : <![CDATA[Fakultas Ekonomika dan Bisnis, Universitas Diponegoro ]]>
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DOI: 10.14710/jdep.1.1.65-73
<![CDATA[Profit sharing (Mudharabah) is a monetary instrument of Islamic finance as interest is a monetaryinstrument of conventional economics. Both have extreme one another paradigm. Results have a theoreticalbasis for the profit and loss sharing (PLS). PLS theory was built as a new offer on the outside of the systemwhich tend not to reflect the interest of justice (injustice / dzalim) due to discrimination against the sharingof risks and profits for economic actors. Profit-loss sharing means profits and or losses that may arise fromeconomic activities / business borne together. In the instrument for the results are not fixed and there is a certainreturns as interest, but do profit and loss sharing based on the real productivity of the product. Therefore thesystem to better reflect the outcome of justice. Profit sharing as a monetary instrument has been frequentlyapplied in studies of Islamic economics, both from the supply side (financing) or the supply side economicsand/or demand-side economics.]]>
<![CDATA[ANALISIS NORMATIF KRITIS KEBIJAKAN PEMANFATAN OBLIGASI SYARIAH (SUKUK) DALAM MENUTUP DEFISIT APBN ]]>
<![CDATA[Muchlis Yahya]]>
<![CDATA[ Economica: Jurnal Ekonomi Islam Vol 6, No 2 (2015) ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam UIN Walisongo ]]>
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DOI: 10.21580/economica.2015.6.2.793
<![CDATA[Tulisan ini bertujuan menganalisis keabsahan pemanfaatan sukuk (obligasi syariah) dalam menutup APBN defisit menurut kajian iE (Islamic Economics). Sebelum tahun anggaran 2008 celah APBN defisit ditutup dengan obligasi (surat utang) konvensional (surat utang berbasis suku bunga). Akan tetapi obligasi syari’ah yang dikenal sukuk (surat utang berbasis bagi hasil) mulai dimanfaatkan. Pemegang sukuk pada periode tertentu akan mendapatkan keuntungan melalui bagi hasil. Secara teoritik, bagi hasil hanya akan muncul jika ada kegiatan komersial/bisnis. APBN adalah dokumen yang menunjukkan kondisi keuangan pemerintah yang menyajikan informasi mengenai pendapatan, pengeluaran, aktivitas dan tujuan yang hendak dicapai. Semua pengeluaran APBN hampir dipastikan diperuntukkan kegiatan konsumtif. Suatu kegiatan konsumsi tidak akan mungkin melahirkan laba/profit. Karenanya pemanfaatan sukuk guna menutup APBN defisit tidak sesuai secara teoritik iE. Tawaran alternatifnya adalah pengintegrasian zakat pada APBN dengan berbagai pertimbangan kritis.]]>
<![CDATA[TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH ]]>
<![CDATA[Muchlis Yahya]]>
<![CDATA[ Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012 ]]>
Publisher : <![CDATA[University of Merdeka Malang ]]>
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DOI: 10.26905/jkdp.v16i2.1066
<![CDATA[banking. Shariah banking customers were divided into Moslem customers that only saved money at shariahbank (n1), Moslem customers that saved money both in shariah and conventional banks (n2), non-Moslemcustomers (n3). This study used primary data through questionnaires distributed to 400 people gotten from295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model.For groups of customers n2 and n3, the interest rate had a significant negative effect on the commitment toinvest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developedrelationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customershad rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showedthat shariah banking customers were dominated by customers that had rational-economic character. The openingof disagreement about the bank interest which was not usury and which was supported by only some socioreligiousorganizations like NU and Muhammadiyah could be an important factor the growth of Islamicbanking.]]>
<![CDATA[efisiensi; bprs; data envelopment analysis ]]>
<![CDATA[Muchlis Yahya]]>
<![CDATA[ EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 18 No 1 (2014) ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya ]]>
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DOI: 10.24034/j25485024.y2014.v18.i1.105
<![CDATA[Riset ini bertujuan mencari faktor-faktor penyebab perbedaan nilai efisiensi BPRS di wilayah Jawa Tengah yang dibandingkan secara relatif untuk setiap periode bulanan. Efisiensi dimaknai sebagai cara mengukur kinerja yang memperhitungkan input ouput suatu unit kegiatan ekonomi. Dunia perbankan banyak menggunakannya karena relatif dapat menjawab berbagai kesulitan menghitung ukuran kinerja perbankan. Data yang digunakan pada riset ini adalah data keuangan BPRS yang terdiri dari variabel input dan output. Penentuan variabel input dan output menggunakan pendekatan Value Added Approach, dimana Value Added Approach adalah penentuan variabel input dan output bank berdasarkan tujuan bank untuk menghasilkan nilai tambah (keuntungan) yang maksimal. Variabel input outputnya terdiri dari: Tabungan iB, deposito iB, modal disetor, penempatan pada bank lain, mudharabah, murabahah, dan qardh. Penelitian ini menggunakan metode Data Envelopment Analysis (DEA). Hasil riset selama periode tahun 2005-2010 menunjukkan bahwa BPRS di wilayah Jawa Tengah mengalami efisiensi rata-rata sebesar 95,19, dan tidak ada periode rentang satu tahunan yang mencapai efisiensi optimal 100%.]]>
<![CDATA[Why Zakat Collection in Indonesia is Not As Effective As it is in Malaysia ]]>
<![CDATA[Aris Puji Purwatiningsih]]>;
<![CDATA[Muchlis Yahya]]>
<![CDATA[ Jurnal Penelitian Vol 14, No 1 (2020): JURNAL PENELITIAN ]]>
Publisher : <![CDATA[LP2M IAIN kUDUS ]]>
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DOI: 10.21043/jp.v14i1.6785
<![CDATA[The purpose of this article is to find out the practices and problems of why zakat in Indonesia have not been manage optimally as it is in Malaysia. This study applies descriptive method by collecting data and information from previous articles about zakat, especially zakat management in Indonesia and Malaysia. The findings show that the main problems in managing zakat in Indonesia are: first, there is no government regulation that requires all Muslim citizens who have property that reach nisab requirement to give out zakat. Secondly, Moslem community prefers to pay zakat to the people whom they have already known rather than to the existing formal zakat institutions. Third, there is a lack of good cooperation between zakat institutions owned by the government and the other institutions run by private parties. The result of this of this study may be useful to be used by all parties involved in zakat management so that it can be managed more optimal.]]>
<![CDATA[Literature Review Filantropi Islam antara Tahun 2008 hingga 2018 ]]>
<![CDATA[Aris Puji Purwatiningsih]]>;
<![CDATA[Muchlis Yahya]]>
<![CDATA[ AL-MUZARA'AH Vol. 6 No. 2 (2018): AL-MUZARA'AH (December 2018) ]]>
Publisher : <![CDATA[Department of Islamic Economics, IPB University ]]>
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DOI: 10.29244/jam.6.2.129-138
<![CDATA[The author is interested in reviewing Islamic philanthropic literature between 2008 and 2018 because Islamic philanthropic behavior is found in any community, from the scope of the poorest countries to even the developed world. In addition, Islamic philanthropy is an object of study that has been widely studied in the social and economic fields. Articles about Islamic philanthropy were obtained using the zakat keyword on Emerald Insight between 2008 and 2018. The search results of 37 articles were then grouped into six topics discussing management, CSR, philanthropy, poverty, charity, religion, distribution, and collection. The findings show that Islamic philanthropy is a topic that is widely discussed by economists and researchers both muslim and non muslim. This is because Islamic philanthropy is the most realistic way to reduce poverty and social inequality today. However, the lack of optimal management of potential Islamic philanthropic funds has hampered the achievement of this goal.]]>
<![CDATA[Determinasi Total Aset Unit Usaha Syariah di Indonesia Tahun 2014-2019 ]]>
<![CDATA[Shovia Indah Firdiyanti]]>;
<![CDATA[Muchlis Muchlis]]>;
<![CDATA[Arif Afendi]]>
<![CDATA[ Business Management Journal Vol 17, No 2 (2021): Business Management Journal ]]>
Publisher : <![CDATA[Universitas Bunda Mulia ]]>
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DOI: 10.30813/bmj.v17i2.2427
<![CDATA[The research aims to determine of the effect of Office Channeling, Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and BI Rate on the total assets of sharia business units in 2014-2019. The research approach used is a quantitative. The data used is data in the form of time series obtained from sharia banking statistics reports published by the Financial Services Authority and BI Rate from Indonesian Banks. The population in this study are all sharia business units in Indonesia. The sample used was 60 data from October 2014 to September 2019. This study used multiple regression analysis that was processed through the SPSS 16.0 program.The results of hypothesis testing show that partially office channeling has a positive and significants effect with a regression value of 91,444. FDR has a negative but not significants effect with a regression value of -224,687. NPF has a negatice and significants effect with a regression value of -11559,375. And the BI Rate has a positive and significants effect with a regression value of 9270,970. Of the four independent variables shows that the magnitude of the effect largest variable is NPF. Therefore the bank must maintain the quality of the NPF so as not to interfere.]]>
<![CDATA[Truth Of Scientific Philosophy Perspectives In The Development Of The Islamic Economy In The Age Of Globalization ]]>
<![CDATA[Ahmad Faqih Udin]]>;
<![CDATA[Muchlis Yahya]]>;
<![CDATA[Kamaluddin Nurdin Marjuni]]>
<![CDATA[ Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 2 (2024): All articles in this issue include authors from 3 countries of origin (Indonesi ]]>
Publisher : <![CDATA[LP2M IAIN Palopo ]]>
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DOI: 10.24256/kharaj.v6i2.5103
<![CDATA[The philosophy of philanthropy has a major impact on the development of the Islamic economy in the modern era of globalization. This research method is qualitative library using a narrative approach. As for data collection techniques, it's orientation and exploration. The result of this research is that the truth of truth can be used as a concrete or abstract word. If the subject wants to tell the truth, it means that the proposition is true. Then there are the theories of the truths of philosophy, namely the theory of coherence, performative theory, consensus theory and correspondence theory. The truth has two main roles in the development of the Islamic economy. First, to formulate and conceive a new Islamic economic theory. Second, to test and evaluate the Islamic economy theory empirically. ]]>
<![CDATA[Sharia-compliant financing as fiscal policy instrument: an Islamic economic approach to budget deficit management ]]>
<![CDATA[Kartika Marella Vanni]]>;
<![CDATA[Yahya, Muchlis]]>;
<![CDATA[Murtadho, Ali]]>;
<![CDATA[Nurotul Faizah, Fita]]>
<![CDATA[ Journal of Islamic Economics Management and Business (JIEMB) Vol. 7 No. 1 (2025) ]]>
Publisher : <![CDATA[Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang ]]>
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DOI: 10.21580/jiemb.2025.7.1.26208
<![CDATA[Budget deficits are a recurring fiscal challenge for many countries, including Indonesia, where reliance on conventional financing methods such as interest-based debt often imposes long-term economic burdens. This study explores the potential of Islamic financial instruments as an alternative solution to address budget deficits, emphasizing sustainability, fairness, and compliance with sharia principles. Using a qualitative approach through literature review and descriptive analysis, the research examines the implementation and effectiveness of instruments such as sukuk, crowdfunding, and securities crowdfunding based on sukuk. The findings reveal that these sharia-compliant tools not only provide viable financing options without the burden of interest but also foster public participation and uphold social justice principles. The study highlights the importance of strengthening regulatory frameworks and integrating Islamic financial systems into national fiscal policies to create a more inclusive, stable, and ethical financing ecosystem. The implications of this research underscore the potential of Islamic finance to contribute to sustainable economic development while adhering to ethical and religious values.]]>
