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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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Akad Murābaḥah; Konsep dan Pelaksanaan di Lembaga Keuangan Islam Modern Ahmad Maulidizen
Reslaj : Religion Education Social Laa Roiba Journal Vol 1 No 1 (2019): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (605.082 KB) | DOI: 10.47467/reslaj.v1i1.66

Abstract

Islamic banking in Indonesia has experienced significant growth, including assets, financing providedand the number of customers. Murābaḥah is the sale and purchase of goods at the original price with theagreed-upon profit. In murābaḥah the seller must tell the cost of the product he buys and determine anadditional level of profit. This research is a library research about the murābaḥah contract according tomuamalah fiqh and its application in modern Islamic financial institutions. Methods of collecting data indocumentation and various sources related to the murābaḥah contract are then analyzed inductively anddeductively. The results of the study are the murābaḥah foundation is the principle of buying and sellingwith a deferred payment system. Murābaḥah, as used in Sharia banking, is based on two main elements,namely the purchase price and related costs, and the agreement on mark-up (profit). Islamic banks adoptmurābaḥah to provide short-term financing to customers for the purchase of goods even though thecustomer does not have the money to pay. The murābaḥah financing portfolio in Islamic banks reaches 70-80%, but in practice there have never been any problems, including; collateral which is a problem of fiqh,risk dependency as a problem of the bank, bankruptcy and delay in payment are the problems of customers,and profits are too high, namely the problem of coming from the community. Therefore, Islamic banks mustmake improvements in the implementation to be in accordance with Sharia.Keyword : Murābaḥah, Financing Instruments, Modern Islamic Financing
THE URGENCY OF ISLAMIC LAW SOURCES KNOWLEDGE MAṢĀDIR AL-AḤKĀM AL-MUKHTALAF FĪHĀ ISTIṢAB, SADD AL-DZARĪ’A, AND QAUL AL-ṢAḤABĪ Ahmad Maulidizen
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.v18i2.6749

Abstract

This article is the writer’s team thinking result about the importance (urgency) of Islamic law or sharia sources Madasir al-Ahkam al-Mukhtalaf Fiha (ijtihad postulates which are disputed) which focused on Istishab, Sadd al-Dzari’a, and Qaul al-Sahabi. Nowadays, there are still many of Indonesian who are not understand well yet or even not understand at all about these Islamic law sources. This article uses data collection method by observation and library data which then analysed by using inductive, deductive, and comparative method. This article purposes to give knowledge to the readers about Istishab, Sadd al-Dzari’a, and Qaul al-Sahabi, which then can be applied in living their life as a Moslem.
A CRITICAL ANALYSIS OF ISLAM, ECONOMY AND FINANCE IN THE EARLY 21ST CENTURY AHMAD MAULIDIZEN
Hukum Islam Vol 17, No 2 (2017): Hukum Keluarga dan Ekonomi 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.v17i2.4568

Abstract

Belief system that can be received well by humans, either worldly (secular) and the hereafter (hereafter oriented) has two specific characteristics. These characteristics are: first, the belief system is flexible to adapt to different places and times, but still able to maintain the value of its authenticity. If not, the belief system will be destroyed or can be fused with other systems. The second characteristic, the system is ideal, sometimes even Utopian (fantasy), and is also able to set the imperfections of human and can be applied in human life, such as politics and economics. So we will have a better view on a system that originated from medieval times to survive and advance rapidly in the global economy. This article will discuss the history and evolution of religion, encompass about the mechanisms of Islam that is able to adapt to changing times, and the adaptation of Islam to the modern financial and economic system.
IMPLEMENTATION OF RAHN IN SHARIA GOLD FINANCING AT MODERN ISLAMIC FINANCIAL INSTITUTIONS (CASE STUDY IN BANK BRI SYARIAH BRANCH OF PEKANBARU). AHMAD MAULIDIZEN
Hukum Islam Vol 18, No 1 (2018): HUKUM KELUARGA DAN EKONOMI 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.v18i1.5220

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
STUDI PEMAHAMAN KONTEMPORER TENTANG NILAI-NILAI MORAL DALAM EKNOMI ISLAM Ahmad Maulidizen
Hukum Islam Vol 16, No 2 (2016): VOL 16 NO. 2 (2006) NOPEMBER 2016
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.v16i2.2675

Abstract

Ada beberapa definisi dari perbankan syariah dalam arti sempit yaitu bebas bunga. meskipun melawan perintah riba adalah landasan keuangan Islam tapi perdebatan tentang kata "Riba" justru masih terus-menerus. sejak awal kedatangan Islam, mayoritas ulama telah mengadopsi definisi yang ketat dari riba, bahwa semua bentuk bunga dapat dikatakan riba. tetapi perdebatan terus berlangsung hingga sekarang. beberapa pendapat (termasuk tokoh seperti Mufti Mesir, Muhammad Sayyid Tantawi Atiyya) menolak definisi ini dan berpendapat bahwa Islam mentolerir tingkat bunga yang wajar. Oleh karena itu, artikel ini akan menjelaskan tentang riba dan signifikansi. kemudian akan menjelaskan tentang gharar (larangan riba yang mirip dengan masyarakat yang tidak diketahui juga, serta pendekatan agama dan sekelur pada isu-isu ini. Pada poin terakhir, akan dijelaskan pada riba perdebatan dan gharar dalam perspektif sejarah dan komparatif
A CRITICAL ANALYSIS OF ISLAM, ECONOMY AND FINANCE IN THE EARLY 21ST CENTURY Ahmad Maulidizen
Hukum Islam Vol 17, No 2 (2017): Hukum Keluarga dan Ekonomi 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.v17i2.4984

Abstract

Sistem kepercayaan yang bisa diterima baik oleh manusia, baik duniawi (sekuler) dan akhirat (selanjutnya berorientasi) memiliki dua ciri khas. Ciri-ciri ini adalah: pertama, sistem kepercayaan fleksibel untuk beradaptasi dengan berbagai tempat dan waktu, namun tetap bisa menjaga nilai keasliannya. Jika tidak, sistem kepercayaan akan hancur atau bisa menyatu dengan sistem lain. Karakteristik kedua, sistem ini ideal, kadangkala bahkan Utopian (fantasi), dan juga mampu mengatur ketidaksempurnaan manusia dan bisa diterapkan dalam kehidupan manusia, seperti politik dan ekonomi. Jadi kita akan memiliki pandangan yang lebih baik mengenai sistem yang berasal dari abad pertengahan untuk bertahan dan maju dengan cepat dalam ekonomi global. Artikel ini akan membahas sejarah dan evolusi agama, Islam dan adaptasi Islam terhadap sistem keuangan dan ekonomi modern.
APLIKASI PEMBIAYAAN MODAL KERJA MURABAHAH BI AL-WAKALAH PADA BANK MUAMALAT INDONESIA CABANG SUNGKONO SURABAYA Ahmad Maulidizen; Joni Tamkin bin Borhan
Islam Futura Vol 16, No 1 (2016): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v16i1.740

Abstract

Islamic financing products have been growing rapidly in the banking and financial industry recently. This situation can be seen through the growing number of Islamic banking assets only in several years. Besides, there is also significant growing number of institutions that offer products according to Islamic systems. Murabahah financing products according to Ibn al-Humam is a contract of delivery of goods owned and sold by a person, based on the original price stated in the first contract that increase the profits and declared to the buyer. This study aims to determine the application of working capital financing murabahah bi al-wakalah Bank Muamalat Indonesia Branch Sungkono Surabaya according to Fatwa DSN No. 04 / DSN-MUI / IV / 2000 and Bank Indonesia regulation no. 7/46 / PBI / 2005. In this research the author employed several methods to collect the data including observation, interview and documentation. The author concludes that the implementation of working capital financing murabaha bi al-wakalah at Bank Muamalat Indonesia Branch Sungkono Surabaya is in accordance with the Fatwa DSN No. 04 / DSN-MUI / IV / 2000 and Bank Indonesia regulation no. 7/46 / PBI / 2005.
PENJADWALAN ULANG PEMBIAYAAN MIKRO MURĀBAḤAH DI BANK SYARIAH MANDIRI CABANG DUMAI PROVINSI RIAU Ahmad Maulidizen; Mohammad Taqiuddin Bin Mohamad
Islam Futura Vol 17, No 1 (2017): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v17i1.1636

Abstract

This research is analyzing implementation of the rescheduling in Murābaḥah micro financing at Bank Shariah Mandiri, Indonesia. It was found that many Islamic banks in Indonesia are experiencing problems because of non-performing financing and can degrade the performance of the bank. Therefore, the bank implemented the rescheduling of non-performing Murābaḥah micro financing not to exceed a predetermined rate of Bank Indonesia at 5%. This research was conducted to find out more about the legal implementation of rescheduling in Murābaḥah micro financing at Bank Shariah Mandiri Branch Dumai. The reserach used data collection methods by observation, interview and library data then analyzed using the inductive, deductive and comparative. The research found that the implementation of rescheduling in Murābaḥah micro-financing at Bank Shariah Mandiri Branch Dumai is not fully in line with the Shariah because there is an Islamic ruling of Syariah National Board of Indonesia that have not been implemented, which the bank parties have been still burdening customers other than the actual cost.
Analisis Kritikal terhadap Penyaluran Dana Talangan Haji pada Bank Mega Syariah Cabang Pekanbaru Ahmad Maulidizen
Intizar Vol 23 No 2 (2017): Intizar
Publisher : Pusat Penelitian dan Penerbitan Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/intizar.v23i2.2161

Abstract

Dana talangan haji merupakan pembiayaan dengan menggunakan akad qarḍ atau ijārah yang diberikan kepada calon jamaah haji dalam upaya memperoleh nomor porsi haji atau Biaya Perjalanan Ibadah Haji (BPIH). Aplikasi produk ini memberikan kesan positif dan negatif, sehingga diperlukan ditinjau ulang mengenai keabsahan produk dan akibat yang ditimbulkan dalam pelaksanaannya. Hasil penelitian menunjukkan bahwa program ini memberikan dampak positif dan negatif, antaranya; (1) Nasabah dijamin bisa mendapatkan kursi haji dengan cepat, meskipun dari dana mereka tidak tidak mencukupi pembayaran biaya perjalanan haji, (2) Mencairkan dana secara mendesak bagi nasabah yang dananya masih belum bisa dicairkan dalam waktu cepat meskipun masih dalam bentuk deposito; (3) Proses pemberian dana talangan haji relatif cepat, sehingga keberangkatan ibadah haji dapat terencana dan tidak menunggu lama; (4) Fee atau ujrah (uang administrasi) yang diberikan relatif murah; (5) nasabah hanya membayar produk dari pinjaman; (6) Nasabah dapat mengansur setiap bulan atau bisa juga dibayar sekaligus sampai akhir pembayaran. Darii sisi negatif, ia bisa saja dianggap sebagai bagian dari fatḥ al-dzari‘ah (membuka pintu bahaya) dan mendatangkan bahaya (mafsadah/ muḍarat). Ditinjau dari Hukum Islam, keabsahan akadnya yang sangat riskan menjatuhkan kepada riba tersembunyi, karena dalam akad ini terjadi penggabungan antara akad al-qarḍ dan al-ijārah dengan mensyaratkan adanya tambahan imbalan sebagai jasa, bahkan tambahan tersebut besarnya tergantung pada jumlah pinjaman dan lamanya masa pinjaman.
PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2010-2017 Ahmad Maulidizen; Nida Nabila
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
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