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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar JRAM (Jurnal Riset Akuntansi Multiparadigma) Mutlaqah: Jurnal Kajian Ekonomi Syariah International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT)
Syamsul Effendi
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Religion Computer Science & IT Economics, Econometrics & Finance Education Health Professions Social Sciences Other

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JUAL BELI DENGAN SISTEM TRANSFER DANA MELALUI BANK DALAM PANDANGAN ISLAM Syamsul Effendi
JRAM (Jurnal Riset Akuntansi Multiparadigma) Vol 4, No 3 (2017)
Publisher : Universitas Islam Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (398.412 KB) | DOI: 10.30743/akutansi.v4i3.334

Abstract

This article discusses the sale and purchase with payment through transfer system to banks in the city, outside the city/region or abroad. The discussion focused on revealing on how the transactionused transfers system, conditions and legal review of syar'i. The literature review is an approachused in this study through collecting various informations from related sources such as printmedia, electronic and internet. Transfering fund is performed from a customer's account to anothercustomer's account in a short time and secure manner. In this context, the transfer is a bank servicefor the transfer of funds from one branch to another as requested by the customer to be paid to therecipient in another branch of bank. This money transfer can be done for business purposes eitherin the city, outside the city or abroad. The Muslim scholars‟ views about bank transfer law are notfound directly even in the form of a fatwa on this matter. Hence, to find out how the law of buyingand selling with funds transfer through the bank must investigate their opinions on the system ofsale and purchase in general context and then compared it to the trading in the “Salam” system.Sale and purchase in Islamic Sharia is considered valid if it meets the conditions that have beendetermined such as ijab-qabul (from sellers and buyers) who are not separated by other words orsilent long enough. This requirement applies if both parties are in the aqad assembly, nevertheless,if one of the two parties is not in the aqad assembly the conversation and silence from the otherparty does not damage the qabul as long as he/she does not yet know the aqad news. In this sense,the aqad is assumed being prformed when a letter or representative from the other party comes tohim/her. In the sale and purchase transactions conducted by bank transfer, aqad (ijab-qabul) isfound from Muslim scholars‟ opinion, it is when the buyer receives offer both free offer and firmoffer, then the buyer examines and proposes changes as necessary to acceptance, then makingsales contract agreement. Thus, buying and selling through transfers is allowed in Islam inaccordance with the opinions of the scholars and the sale is comparable with the sale and purchaseof Salam. 
PENETAPAN HARGA DALAM PERSPEKTIF EKONOMI ISLAM Syamsul Effendi
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 1, No 2 (2021): Edisi Januari
Publisher : MUTLAQAH: Jurnal Kajian Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (109.023 KB)

Abstract

Ekonomi islam memiliki konsep bahwa suatu pasar dapat berperan efektif dalam kehidupan ekonomi bila prinsip persaingan bebas dapat berlaku secara normal. Pasar tidak membutuhkan suatu intervensi dari pihak manapun, tidak terkecuali Negara dengan otoritas penentuan harga dengan kegiatan monopolistik atau yang lainnya. Persaingan bebas dalam hal ini adalah bahwa umat islam menentukan sendiri tentang apa yang harus di konsumsi dan di produksi serta dibebaskan untuk memilih sendiri apa-apa yang dibutuhkan dan bagaimana cara memenuhinya Teori ekonomi Islam mengenai harga pertama-tama dapat dilihat dari sebuah hadis yang menceritakan bahwa ada sahabat yang mengusulkan kepada nabi untuk menetapkan harga di pasar. Rasulullah menolak tawaran itu dan mengatakan bahwa harga di pasar tidak boleh ditetapkan karena Allah yang menentukannya.Sungguh menakjubkan teori Nabi tentang harga dan pasar. Kekaguman ini dikarenakan ucapan Nabi Saw itu mengandung pengertian bahwa harga pasar itu sesuai dengan kehendak Allah yang sunnatullah atau hukum supply and demand.Menurut pakar ekonomi Islam kontemporer, teori inilah yang diadopsi oleh Bapak Ekonomi barat Adam Smith dengan nama teori invisible hand. Menurut teori ini pasar akan diatur oleh tangan-tangan tidak kelihatan (invisible hand). Bukankah teori  invisible hands itu lebih tepat dikatakan God hands (tangan- tangan Allah). Oleh karena harga sesuai dengan kekuatan penawaran dan permintaan di pasar, maka harga barang tidak boleh ditetapkan pemerintah, karena ketentuan harga tergantung pada hukum supply and demand.Namun demikian ekonomi Islam masih memberikan peluang pada kondisi tertentu untuk melakukan intervensi harga (price intervention) bila para pedagang melakukan monopoli dan kecurangan yang menekan dan merugikan konsumen. Islam memandang bahwa pasar, negara, dan individu berada dalam keseimbangan (iqtishad), tidak boleh ada sub-ordinat, sehingga salah satunya menjadi dominan dari yang lain. Pasar dijamin kebebasannya dalam Islam. Pasar bebas menentukan cara-cara produksi dan harga, tidak boleh ada gangguan yang mengakibatkan rusaknya keseimbangan pasar. Namun dalam kenyataannya sulit ditemukan pasar yang berjalan sendiri secara adil (fair). Distorasi pasar tetap sering terjadi, sehingga dapat merugikan para pihak.
THE ROLE OF GREEN FINANCING INPROMOTING SUSTAINABLE ECONOMIC DEVELOPMENT A QUALITATIVE STUDY Syamsul Effendi; Manna Salwa; Siti Aisah; Sariya Saputri Siregar; Ajeng Pratiwi
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 5 No. 1: IHERT (2023) FIRST ISSUE: International Conference on Health Science, Green Economics,
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v5i1.475

Abstract

In recent years, the global financial system has increasingly integrated environmental, social, and governance (ESG) principles to align economic progress with environmental sustainability. One of the most significant developments in this area is the emergence of green financing—a financial approach that channels investments towards environmentally friendly and climate-resilient projects. This study aims to examine the role of green financing in promoting sustainable economic development, focusing particularly on its implementation, benefits, and challenges within the context of developing countries like Indonesia.Using a qualitative descriptive method, the research combines literature analysis with in-depth interviews involving practitioners from Islamic financial institutions, environmental NGOs, and public policy experts. The findings reveal that green financing plays a pivotal role in supporting initiatives such as renewable energy, sustainable agriculture, and eco-friendly infrastructure. Additionally, the study highlights how green financial instruments like green bonds and green sukuk not only contribute to environmental goals but also offer long-term economic benefits through risk reduction and improved investor confidence.However, the implementation of green financing faces several barriers, including weak regulatory frameworks, limited financial literacy among stakeholders, and the lack of standard criteria for evaluating "green" projects. Despite these challenges, green financing has demonstrated its potential as a strategic tool for achieving the United Nations Sustainable Development Goals (SDGs), particularly in combating climate change, reducing carbon emissions, and fostering inclusive growth.This study concludes that to maximize the impact of green financing, a collaborative effort is needed among governments, financial institutions, and civil society to create an enabling environment through policies, incentives, and educational outreach. Green financing, if well-integrated, can serve not only as a catalyst for environmental protection but also as a cornerstone for sustainable and resilient economic systems.
KAJIAN PENERAPAN NILAI SIDDIQ, AMANAH, FATHANAH, DAN TABLIGH PADA KINERJA UMKM Di KECAMATAN MEDAN PERJUANGAN Siti Mukti Intan Sari; Syamsul Effendi; Nurhudawi
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.59163

Abstract

This study aims to determine the implementation of the values of siddiq, amanah, fathanah, and tabligh among Micro, Small, and Medium Enterprises (MSMEs) in Medan Perjuangan District, the obstacles faced in their implementation, and their impact on MSME performance. These values are the noble characteristics of Prophet Muhammad (PBUH) that serve as guidelines in Islamic business ethics and are important in building consumer trust and supporting business sustainability. However, in practice, some MSME actors have not fully implemented these values optimally.  This study employed a qualitative method with a descriptive approach. Data were collected through interviews, observations, and documentation involving MSME actors in Medan Perjuangan District.  The results show that most MSME actors have implemented the values of siddiq, amanah, fathanah, and tabligh in their business activities. The value of siddiq is reflected in honesty when providing product information, amanah is demonstrated through responsibility in maintaining product quality and service, fathanah is shown through the ability to manage businesses and innovate, while tabligh is reflected in effective communication with consumers. The obstacles faced include limited knowledge, business competition, and the suboptimal use of technology. The implementation of these values has a positive impact on MSME performance, including increased consumer trust, improved service quality, customer loyalty, and business sustainability.
IMPLEMENTASI AL-MUSAQAH PADA PETANI SAWIT MENURUT PERSPEKTIF EKONOMI ISLAM DI DESA BAGAN NIBUNG KABUPATEN ROKAN HILIR RIAU Heru Kurniawan; Syamsul Effendi; Nurhudawi
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.60322

Abstract

  This study aims to examine the implementation of the al-musaqah contract among oil palm farmers, analyze the profit-sharing system and the duration of the cooperation, and assess its conformity with Islamic economic principles in Bagan Nibung Village, Rokan Hilir Regency, Riau. This study employed a qualitative method with a descriptive-analytical approach. Seventeen informants were selected through purposive sampling, consisting of seven oil palm plantation owners, seven plantation managers, one religious leader, one community leader, and one village official. Data were collected through observation, interviews, and documentation. Data validity was examined through triangulation, persistent observation, and member checking, while data were analyzed through data condensation, data display, and conclusion drawing. The results indicate that the oil palm plantation management practices in Bagan Nibung Village have fulfilled the basic elements of an al-musaqah contract, including the presence of plantation owners, managers, plantation objects, management activities, mutual agreements, and profit sharing. The contracts are generally concluded verbally based on mutual trust and local customs. The profit-sharing arrangements commonly use a 50:50 or 60:40 ratio after deducting certain operational expenses. However, the allocation of expenses for fertilizers, herbicides, harvesting, and transportation, as well as the rights and obligations of the parties and the duration of the cooperation, are not always clearly determined. From an Islamic economic perspective, these practices are substantially compatible with the principles of mutual consent, justice, trustworthiness, and mutual assistance and provide benefits to both parties. Nevertheless, their administrative implementation has not fully complied with Islamic economic principles and may still contain elements of gharar or uncertainty. Therefore, written agreements, transparency regarding operational expenses, clarification of the parties’ rights and obligations, and a definite cooperation period are required.
Co-Authors Ajeng Pratiwi Heru Kurniawan Manna Salwa Nurhudawi Sariya Saputri Siregar SITI AISAH Siti Mukti Intan Sari