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All Journal DE JURE International Journal of Nusantara Islam Hukum Islam Islam Futura Jurnal Ijtimaiyya Intizar An-Nisbah: Jurnal Ekonomi Syariah MIQOT: Jurnal Ilmu-ilmu Keislaman JURNAL PENELITIAN Falah : Jurnal Ekonomi Syariah Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum Jurnal Ilmiah Ekonomi Islam deliberatif Economica: Jurnal Ekonomi Islam Al-Banjari : Jurnal Ilmiah Ilmu-Ilmu Keislaman Khatulistiwa: Journal of Islamic Studies Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam RELIGIA International Journal of Islamic Business and Economics (IJIBEC) Al-Maslahah Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam International Journal of Economics Development Research (IJEDR) RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Journal of Management - Small and Medium Enterprises (SME's) Jurnal Penelitian Jurnal Ilmiah Wahana Pendidikan Studi Ilmu Manajemen dan Organisasi Jurnal Ekonomi Share: Jurnal Ekonomi dan Keuangan Islam INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Indonesian Journal of Economics and Management AL-MASHALIH (Journal of Islamic Law) NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Proceeding of The International Conference on Economics and Business Journal of International Conference Proceedings Gemilang: Jurnal Manajemen dan Akuntansi Safari : Jurnal Pengabdian Masyarakat Indonesia Journal of Artificial Intelligence and Digital Business Jurnal Penelitian Ekonomi Manajemen dan Bisnis Jurnal Nusantara Berbakti Tatar Pasundan: Jurnal Diklat Keagamaan Fastabiq: Jurnal Studi Islam Religia : Jurnal Ilmu-Ilmu Keislaman Jurnal Pengabdian Kepada Masyarakat Alkhidmah: Jurnal Pengabdian dan Kemitraan Masyarakat Jurnal Pengabdian Masyarakat Transformasi Masyarakat : Jurnal Inovasi Sosial dan Pengabdian An-Nisbah: Jurnal Ekonomi Syariah Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum International Journal of Islamic Business and Economics (IJIBEC) Madania: Jurnal Kajian Keislaman
Ahmad Maulidizen
Sekolah Tinggi Ilmu Manajemen Dan Ilmu Komputer ESQ
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Public Health Social Sciences Other

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Aplikasi Gadai Emas Syari’ah: Studi Kasus Pada BRI Syari’ah Cabang Pekanbaru Maulidizen, Ahmad
FALAH Jurnal Ekonomi Syariah Vol 1, No 1 (2016): Februari
Publisher : FALAH Jurnal Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (413.358 KB) | DOI: 10.22219/falah.vol1.No1.76-89

Abstract

Aplikasi Gadai Emas Syari’ah: Studi KasusPada BRI Syari’ah Cabang PekanbaruAhmad MaulidizenProgram Magister Ekonomi Islam,Universiti Malaya, MalaysiaE-mail: ahmadzen682@gmail.comABSTRAKProduk Pembiayaan Secara Islam telah mulai berkembang pesat dalam arus industri perbankan dan keuangan pada masa ini. Keadaan ini diantaranya dapat dilihat melalui pertambahan aset perbankan Islam beberapa tahun, disamping penyertaan lebih banyak isntitusi yang menawarkan produk secara Islam. Produk Gadai Emas Syariah adalah penyerahan marhun (barang jaminan) dari rahin (nasabah yang menggunakan pembiayaan gadai) kepada bank sebagai jaminan sebagian atau seluruh hutang. Penelitian ini bertujuan untuk mengetahui aplikasi pembiayaan gadai emas syariah pada Bank BRI Syariah cabang pekanbaru menurut perspektif fatwa DSN No.25 dan 26/DSN-MUI/III/2002. Dengan menggunakan pendekatan lapangan (field research) dan metode observasi, wawancara dan studi dokumentasi dalam pengumpulan data. Penulis berkesimpulan bahwa pelaksanaan pembiayaan gadai emas syariah pada Bank BRI Syariah cabang Pekanbaru telah sesuai dan ada beberapa hal yang harus dilakukan perbaikan agar tidak bertentangan dengan prinsip syariah.Kata kunci: Pembiayaan Gadai Emas, Bank Syariah, dan Fatwa DSN
ANALISIS DANA TALANGAN HAJI PADA BANK MEGA SYARIAH CABANG PEKANBARU MENURUT HUKUM ISLAM MAULIDIZEN, AHMAD
Al-Banjari : Jurnal Ilmiah Ilmu-Ilmu Keislaman Vol 17, No 1 (2018)
Publisher : Pascasarjana UIN ANTASARI Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (629.167 KB) | DOI: 10.18592/al-banjari.v17i1.1937

Abstract

Syariah banking in Indonesia is experiencing significant developments, including assets, financial services, and the number of customers. Haj funds is a financial service using a contract of qard or ijarah given to prospective pilgrims in an effort to obtain the portion number of Hajj or Biaya Perjalanan Ibadah Haji (BPIH). The implementation of this product gives a positive and negative impression, so the legitimacy of the product and the consequences of its implementation need to be reviewed. This article will explain the implementation of the Hajj Fund of Bank Mega Syariah Branch Pekanbaru and revisit the Islamic Law on the implementation of these products. The purpose of this research is to facilitate the implementation of Hajj Funds products as well as to get a legitimate status of product. The results of this study shows that the akad/contract itself has a great risk of hidden usury because in this contract there is a merger between akad qard and ijarah by requiring additional benefits as a service and the amount of the benefit  depends on the amount and the length of loan. In fiqh muamalah, it is mentioned that that any profitable loan is riba. Perbankan Syariah di Indonesia mengalami perkembangan signifikan, termasuk aset, pembiayaan yang diberikan dan jumlah pelanggan. Dana haji adalah pembiayaan dengan menggunakan kontrak qard atau ijarah yang diberikan kepada calon jemaah haji dalam upaya mendapatkan porsi jumlah Haji atau Biaya Perjalanan Ibadah Haji (BPIH). Penerapan produk ini memberi kesan positif dan negatif, sehingga perlu meninjau tentang legitimasi produk dan konsekuensi yang dihasilkan dalam pelaksanaannya. Karena artikel ini akan menjelaskan pelaksanaan Dana Haji Bank Mega Syariah Cabang Pekanbaru dan peninjauan kembali Hukum Islam tentang pelaksanaan produk tersebut. Tujuan penelitian ini agar pelaksanaan produk Dana Haji selain untuk memudahkan pelanggan dalam melakukan ziarah, tetapi juga mendapatkan status legitimasi produk. Hasil dari penelitian ini adalah validitas akadnya yang sangat berisiko untuk terjerembab ke riba yang tersembunyi, karena dalam kontrak ini ada penggabungan antara akad qard dan ijarah dengan membutuhkan manfaat tambahan sebagai layanan, bahkan jumlahnya tergantung pada jumlah pinjaman dan panjang pinjaman. Dalam fiqh muamalah diketahui kaedah bahwa "Setiap piutang yang untung atau lebih adalah riba"
BIOGRAPHY AND ECONOMIC THOUGHT OF IBN QAYYIM AL-JAWZIYYAH Maulidizen, Ahmad; Bin Mohamad, Mohammad Taqiuddin
MIQOT: Jurnal Ilmu-ilmu Keislaman Vol 42, No 2 (2018)
Publisher : State Islamic University North Sumatra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/miqot.v42i2.544

Abstract

Abstrak: Biografi dan Pemikiran Ekonomi Ibn Qayyim al-Jawziyyah (691 H/1292 M–751 H/1350 M). Ibn Qayyim al-Jawziyyah dikenal sebagai salah satu tokoh terkemuka yang memiliki gagasan dalam pengembangan ekonomi Islam. Penjelasan ini menunjukkan urgensi meninjau kembali pemikiran dan gagasan Ibnu Qayyim al-Jawziyyah khususnya di bidang ekonomi. Dengan menggunakan metode analisis deskriptif kualitatif, artikel ini akan menganalisis biografi dan pemikiran ekonomi Ibn Qayyim al-Jawziyyah, seorang sarjana Muslim penting pada abad ke-13/14. Penulis menyimpulkan bahwa pemikiran Ibn Qayyim al-Jawziyyah di bidang ekonomi berimplikasi pada upaya mewujudkan konsep kesejahteraan sosial, pembentukan keadilan dan penghapusan ketidakadilan dalam kehidupan ekonomi.Abstract: Ibn Qayyim al-Jawziyyah is one of the prominent figures who had ideas in the development of Islamic economics. This explanation shows the urgency of re-examining the thoughts and ideas of Ibn Qayyim al-Jawziyyah especially in the economic field. Using a qualitative descriptive analysis method, this article will analyze the biography and economic thought of Ibn Qayyim al-Jawziyyah, a great Muslim scholar in the 13th/14th century. The authors emphasize that Ibn Qayyim al-Jawziyyah’s thought in the economic field implies mainly to realize the concept of social welfare, the formation of justice and the elimination of injustice in economic life.Keywords: Islamic economics, Ibn Qayyim al-Jawziyyah, Islamic history
IMPLEMENTATION OF RAHN IN SHARIA GOLD FINANCING AT MODERN ISLAMIC FINANCIAL INSTITUTIONS (CASE STUDY IN BANK BRI SYARIAH BRANCH OF PEKANBARU) Maulidizen, AHMAD
Hukum Islam Vol 18, No 2 (2018): Hukum Ekonomi dan Hukum Keluarga Syariah
Publisher : Fakultas Syariah dan hukum Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/hi.v18i2.6412

Abstract

Islamic Financing Products have started to grow rapidly in the current banking and financial industry at this time. This situation can be seen through the increase of Islamic banking assets for several years, in addition to the inclusion of more institutions offering Islamic products. Sharia Gold Pawn Products is the delivery of marhun (collateral goods) from the rahin (customers using mortgage financing) to the bank as a guarantee of part or all of the debt. This research is field (field research) with data collection method through observation, interview and documentation study in data collection. The author concludes that the application of Rahn's contract on Sharia gold mortgage financing at Bank BRI Syariah has been in accordance with the National Sharia Board Fatwa and there are several things that must be improved so as not to conflict with Sharia principles
Zakah as Instrument of Islamic Microfinancing Mechanism to Productive Zakah Recipients in Malaysia Maulidizen, Ahmad
International Journal of Nusantara Islam Vol 6, No 2 (2018): 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.v6i2.3989

Abstract

There are various forms of zakah distribution practiced by the zakah institutions. One of them is the distribution of zakah in a form of business capital given to productive zakah recipients. This form of zakah distibution is recognized as micro-finanching mechanism. Thus, this paper attempts to analyse the potensial of zakah fund as a source of Islamic mirco financing to productive zakah recipients. The analysis is devided into several parts. Firstly, this paper discusses on the rationale of zakah fund as a source of micro financing to small Muslim entrepreneurs. It is then followed by the feasibility study of zakah as a micro financing mechanism. Secondly, this paper shares the practicality analysis of the mechanism by sharing the experience of Selangor Zakat Board. In addition, it also highlights the problems and challenges of Selangor Zakat Board in performing the role of microfinance institution. Lastly, suggestion on the proper mechanism of zakah micro financing to ensure its effectiveness is given in the final part of the paper. This is to ensure that the objectives of zakah in alleviating poverty and reducing income inequality are met.
Ibn Khaldun's Economic Thought; The Fair Tax And Its Relevance To The Modern Economy MAULIDIZEN, AHMAD
International Journal of Islamic Business and Economics (IJIBEC) INPRESS IJIBEC VOLUME 3 NO. 2 DECEMBER 2019
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i2.1661

Abstract

This research is motivated by Ibn Khaldun's thoughts on taxes. According to Ibn Khaldun, if the tax is too low, the government cannot carry out its function, if the tax is too high, the fiscal pressure becomes too strong, so the profits of traders and producers decrease and their incentives to work are lost. The purpose of this study is to find out the concept of tax management that is fair to Ibn Khaldun's perspective in order to build a modern economy that is just and to know how the relevance of taxes according to Ibn Khaldun with today's modern economy. This research method uses library research methods with a type of descriptive qualitative research. The data source consists of the Muqaddimah as a primary source, work or theory that discusses primary material as a secondary and complementary material from primary and secondary materials as tertiary materials. The approach in this study is a historical and philosophical approach. The method of data collection uses existing literature and analysis of data used by analysis and hermeneutical content. This study concludes that the concept of a fair tax perspective Ibn Khaldun is a tax drawn from taxpayers in accordance with the ability of taxpayers to pay it and tax withdrawal money must be used properly and fairly, according to Ibnu Khaldun when the tax burden is light, people have incentives to try to be more active. Therefore, the business world is developing, which leads to greater satisfaction among the people because of the low tax burden, while tax revenues will also increase, judging from the overall source of tax land, Ibn Khaldun's thinking about taxes is very relevant when applied to modern economic conditions nowadays, where the economic conditions are less stable, the condition of society is increasingly difficult, the prices of expensive necessities of life add to the difficulties of people's lives.
Tinjauan Hukum Islam terhadap Denda Penjadwalan Ulang Pembiayaan Mikro Murabahah di Bank Syariah Mandiri Cabang Dumai Provinsi Riau Maulidizen, Ahmad
Jurnal Penelitian Vol 12, No 2 (2018): JURNAL PENELITIAN
Publisher : LP2M IAIN kUDUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/jp.v12i2.3280

Abstract

Many Syariah banks in Indonesia are experiencing problematic financing because customers can not pay their debt installments, then the bank takes the settlement step by rescheduling the debt installment. In the process the bank charges a fee to the customer and this incriminates the customer. This research was conducted to analyze Islamic law against the cost charged to the customers in the process of rescheduling micro murabahah financing conducted by Bank Syariah Mandiri Branch Dumai Riau Province. This research uses data collection method with observation method, interview and library data, then analyzed by using inductive, deductive and comparative method. The results of this study conclude that the cost of micro-financing rescheduling in Bank Syariah Mandiri Branch Dumai Riau Province is not fully in accordance with Fatwa of Shariah and National Shari'ah Council Fatwa that has not been implemented, ie the bank charges the customer in rescheduling in addition to the actual cost required for the rescheduling process. And the authors provide suggestions for improving this by (1) providing the time period so that the customer can afford to pay, (2) the conversion of the financing contract of the murabahah to qard financing, and (3) rescheduling by charging real costs at no cost others.
THE IMPLEMENTATION OF RESCHEDULING IN MURĀBAḤAH MICRO FINANCING AT BANK SYARIAH MANDIRI INDONESIA MAULIDIZEN, AHMAD
An-Nisbah: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): An-Nisbah (In Press)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2019.6.2.465-488

Abstract

The Implementation of Rescheduling mur?ba?ah micro financing at Bank Syariah Mandiri Indonesia. This research is an analysis of the rescheduling of mur?ba?ah micro financing in Bank Syariah Mandiri Branch Dumai, Indonesia. There are many Shariah banks in Indonesia experiencing problems due to unpaid financing and can lower bank performance. Therefore, the bank is implementing the rescheduling of mur?ba?ah micro financing to avoid exceeding the level set by Bank Indonesia of 5%. This research was conducted to analyze in depth about the rescheduling of mur?ba?ah micro financing implemented by Bank Syariah Mandiri Branch Dumai, Indonesia. This research uses data collection method by observation, interview and library data which then analyzed by using inductive, deductive and comparative method. The result of this research is in the implementation of rescheduling the mur?ba?ah micro financing, there are three conditions, namely 1) not increasing the amount of remaining debt, 2) the costs in the rescheduling process are the actual costs, and 3) the additional payment time must be based on the agreement of both parties. From these conditions, the bank only does two, namely not increasing the amount of the remaining debt and adding payment time, while the bank is still wearing the customer with the rescheduling or penalty fees that make it difficult for the customer. Because of that, there are three suggestions from the researcher that is to provide a wide payment time, reschedule without the costs charged to the customer (penalty) except the actual costs such as administrative costs and conversion of mur?ba?ah financing contract into a qar? financing contract
PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2017 Maulidizen, Ahmad; Nabila, Nida
Jurnal Penelitian Vol 13, No 2 (2019): JURNAL PENELITIAN
Publisher : LP2M IAIN kUDUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/jp.v13i2.6397

Abstract

The development of the Indonesian economy is inseparable from the rapid development of the banking sector, including Islamic banking. This will cause competition between banks to be even tighter to increase competitiveness in various sectors, including the level of profitability. However, the profitability of Sharia Commercial Banks is still low, which is below the standard set by Bank Indonesia of 1.5%. This study aims to describe the description of murabahah financing and profitability, as well as verify the effect of murabahah financing on profitability in sharia commercial banks in Indonesia. Profitability is measured using Return On Assets (ROA) and murabahah financing measured by net murabahah financing on the financial statements of each bank. The research method used is descriptive and verification method. The number of samples used in this study were 72 observational data from 9 Islamic Commercial Banks in Indonesia during the period 2010-2017. The results of this study murabahah financing have a positive and significant effect on the profitability of Islamic Commercial Banks in Indonesia
Literature Study on Murābaḥah Financing in Islamic Banking in Indonesia Maulidizen, Ahmad
Economica: Jurnal Ekonomi Islam Vol 9, No 1 (2018)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2018.9.1.2411

Abstract

Islamic banking in Indonesia has experienced significant growth, including assets, financing provided and the number of customers. Islamic bank financing 70-80% is given to the community by using the contract of mur?ba?ah, in the form of consumptive and productive. Islamic bank operations must be guided by Fatwa of the National Sharia Council in order to carry out its optimal function economically and to run the Shari'a comprehensively. Therefore, this article will explain the concept of mur?ba?ah conceptually and application in Islamic banking in Indonesia. The purpose of writing this article so that the implementation of Mur?ba?ah contract in Islamic Bank in Indonesia can be in accordance with the principles of Shari'a that put forward the principle of justice and no party is harmed.Perbankan syariah di Indonesia telah mengalami pertumbuhan yang signifikan, termasuk aset, pembiayaan yang diberikan dan jumlah pelanggan. Pembiayaan bank syariah 70-80% diberikan kepada masyarakat dengan menggunakan kontrak mur?ba?ah, dalam bentuk konsumtif dan produktif. Kegiatan bank syariah harus dipandu oleh Fatwa Dewan Syariah Nasional untuk menjalankan fungsi optimalnya secara ekonomis dan menjalankan syariat secara komprehensif. Oleh karena itu, artikel ini akan menjelaskan tentang konsep mur?ba?ah secara konseptual dan aplikasinya pada Bank Islam di Indonesia. Tujuan penulisan artikel ini agar pelaksanaan kontrak Mur?ba?ah di Bank Syariah di Indonesia dapat sesuai dengan prinsip syariah yang mengedepankan asas keadilan dan tidak ada pihak yang dirugikan.
Co-Authors Abdul Haris Muctar Abdul Rochim Ade Muhammad Zikril Hakim Afifah Zuhri, Nuha agung setiawan Al Hakim, Farrez Albaqi Adrianantama, Rofiano Ali Alatas Amriatus Safaah Amriatus Safaah Amriatus Safaah Andri Mulyana Anggraini, Dedeh As Shofy, Muhammad Ulil Abshor Ashilah Raihanah Asis, Alfian Airlangga Asphia Sahida Awalia, Rabiatul Azzami, Muhammad Naufal Basuki, Latiffa Queen Azzahra Bin Mohamad, Mohammad Taqiuddin Chakim, Abdul Danang Indrajaya Deswindi, Leli Dwitya Agustina Eka Pratiwi El Medinah, Syamsa Erin Divas Ari Alawiyah Erza Sofian Fadilla Aliya Nuha Fahri Satyanto, Muhamad Fajar Julian Azhari Fitri Khoirunnisa Ganea, Ayi Guntur Dwi Wicaksono, Suciawan Habiburrahman Rizapoor Habiburrahman Rizapoor Haris Muctar, Abdul Hasan Abdul Azis Naibaho, Muhammad Hasbullah Hasbullah Hasbullah Hasbullah Hasby Fauzi, Muhammad Hayati, Setiyo Hazra, Savira Henny Nurullita Heristina Fitri Rukmana Iman, Muhammad Zailani Irwan Aufi Isman, Syahvina Bianca Isman, Syahvira Bainca Jasmine Pangestu Gilly Putri Jaya Jayanto Johari Johari Johari Johari Johari Joni Tamkin bin Borhan Khalisa Salma Khansa Ramadhan, Naurah Leonita Yolanda Lia Siti Julaeha Limber, Umar MAGHFIRAH Maghfirah Maghfirah Maghfirah Maghfirah Mamduh Tirmidzi Mariah Mariah Mohammad Taqiuddin Bin Mohamad Mohammad Taqiuddin Mohammad Mohammad, Mohammad Taqiuddin Mohammad, Mohammad Taqiuddin Bin Muchtar, Abdul Haris Mugiyono Mugiyono Muhammad Hasan Abdul Azis Naibaho Muhammad Hasby Fauzi Muhammad Mikhail Khalifah Perdana Muhammad Rafi Thoriq Muhammad Rafi Thoriq Muji Astuti Nabila, Nida Naufal Kurniawan Nida Nabila Nisa, Tamara Alfira Nugraha, Risman Nuha Afifah Zuhri Nur Atikah Nur Rahmah Zakiyah Nurmughni Nabilatuzaman, Nada Rachmat Hidayat Rafi Thoriq, Muhammad Rafidah, Siti Rahmah Zakiyah, Nur Raihanah, Ashilah Raisa Adila Raskya Khairunnisa Tojib, Hannah Risman Nugraha Riyad Ramadhan Rizapoor, Habiburrahman Roosiani, Aulia Puspita Safa'ah, Amriatus Safaah, Amriatus Salfadila, Nisrina Sujoko Winanto, Sujoko Syahrani, Hilda Ziradine Tirmidzi, Mamduh Yuni Sahara Yustriana Yustriana Zahra Febriyadiza