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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Tauhidinomics JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia jurnal niara Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Pendas : Jurnah Ilmiah Pendidikan Dasar Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam EconBank : Journal Economics and Banking Al Huquq : Journal of Indonesian Islamic Economic Law Jurnal Ekonomi dan Perbankan Syariah Tijarah Journal of Religion and Public Health Ar Rasyiid Journal of Islamic Studies
Erika Amelia
UIN Syarif Hidayatullah Jakarta
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Implementation of Hybrid Contracts in the Gold Pawn Practice in Sharia Pawnshops Dimas Kenn Syahrir; Erika Amelia
Iqtisad: Reconstruction of Justice and Welfare for Indonesia Vol 10, No 2 (2023): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v10i2.8333

Abstract

The hybrid contract in sharia pawn practice is very unique. This gives rise to different views on the transaction model. Several contracts are often applied in hybrid contract of sharia pawn practice include qardh, rahn, and ijarah. In an ijarah contract of sharia pawn, there is indication of irrelevance in the calculation of ujrah from the clause of the fatwa No.25/DSN-MUI/III/2002 concerning Rahn. This research intends to examine the implementation of hybrid contract in sharia pawn practices by raising the case of gold pawn referring to clause of the fatwa. This study applies a qualitative research paradigm with data characteristics consisting of concepts and qualitative statements. The sources of data were obtained from the implementation of sharia pawn practice in several sharia financial institutions and pawnshop companies, contract concepts, and DSN MUI fatwas. From this study, it was found that the rahn and qardh contracts in Islamic pawnshops complied with the clause of the DSN fatwa No.26/DSN-MUI/III/2002 concerning gold rahn. However, there is a potential for riba practices in ijarah contract in sharia pawn that conflict with the DSN fatwa No.25/DSN-MUI/III/2002 concerning Rahn. The potential for riba is indicated from the calculation of ujrah based on the amount of loans.AbstrakKontrak gadai multi akad dalam pegadaian syariah memiliki sisi keunikan. Hal itu menimbulkan berbagai pandangan mengenai model transaksi tersebut. Beberapa akad yang sering diterapkan dalam multi akad dalam pegadaian syariah antara lain akad qardh, rahn, dan ijarah. Dalam akad ijarah dari pegadaian syariah, terdapat indikasi adanya penyimpangan perhitungan ujrah dari ketentuan fatwa DSN No.25/DSN-MUI/III/2002 tentang Rahn. Penelitian ini hendak menelaah implementasi multi akad dalam praktik gadai syariah dengan mengangkat kasus gadai emas mengacu pada ketentuan fatwa tersebut. Penelitian ini menggunakan paradigma penelitian kualitatif dengan karakteristik datanya terdiri dari konsep dan pernyataan kualitatif. Sumber data diperoleh dari implementasi gadai di pegadaian syariah di beberapa lembaga keuangan syariah dan perusahaan pegadaian, konsep-konsep akad, dan fatwa-fatwa DSN MUI. Dari penelitian ini, ditemukan bahwa akad rahn dan qardh dalam pegadaian syariah telah sesuai dengan ketentuan fatwa DSN No.26/DSN-MUI/III/2002 tentang rahn emas. Akan tetapi, terdapat potensi praktik riba dalam akad ijarah dalam pegadaian syariah yang bertentangan dengan fatwa DSN No.25/DSN-MUI/III/2002 tentang Rahn. Potensi riba ini tampak pada perhitungan ujrah berdasarkan besarnya pinjaman.
ZIS (Zakat, Infak, Sedekah) Financial Management for Health Programs at BAZNAS BAZIS DKI Jakarta AlJannah, Eine Kiswah; Ciptaningtyas, Ratri; Nurmansyah, Muhammad Iqbal; Kusumawardani, Riastuti; Ariyanti, Fajar; Amelia, Erika
Journal of Religion and Public Health Vol 6, No 1 (2024)
Publisher : Faculty of Health Sciences, Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jrph.v6i1.38144

Abstract

Philantrophy is an activity that viewed as supporting tool to elevate community healthy. Islamic philantrophy, such as Zakat,Infaq,Shadaqah(ZIS) has been a method to help low economic people but the allocation to health sectors is not well studued. This study aims to reveal the financial management of ZIS at BAZNAS BAZIS DKI Jakarta for their Health Program “Jak B Sehat”. This research is qualitative with an intrinsic case study. Data collection was conducted by in-depth interviews from 3 BAZIS employees and 2 beneficiaries, and document review. In general, financial management at BAZIS DKI is well executed because it has demonstrated a lawful source of funds, the financing management mechanism is carried out according to Shari'a, and the allocation of funds has a high impact on beneficiaries. However, there are obstacles that create less efficient task, such as technical problems and a lack of human resources. Jak B Sehat as a result of the financial management process has a positive impact among the beneficiaries, such as removing tatoos and ambulance delivery. Therefore, more human resources number is recommended to avoid double tasks and accelerate ZIS collection.Keywords: ZIS Financial Management, Jak B Sehat
Syarī’ah Audit Practices at Zakāt Institutions in Indonesia: In the Legal Perspectives Amelia, Erika; Darwanto, Darwanto; Zakiyudin, Muhammad Ali; Yusup, Mohammad
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 15, No 1 (2023)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v1i1.29509

Abstract

Abstract. The practice of Syarī'ah audits at Zakāt institutions in Indonesia has been effective since 2020 through the Decree of the Minister of Religion Number 606 of 2020. In practice, Syarī'ah audits play a role as guarantee and quality control for the implementation of ZIS and DSKL fund management. T his study aims to analyze the practice of Shari'ah auditing at Zakāt institutions in Indonesia from the perspective of positive law and Shari'ah. This study uses a descriptive qualitative approach through analysis of the contents of regulations, data, and documents. The results of the study show that from a legal perspective, the process of managing funds and governance of ZIS and DSKL has not been regulated in positive law and in Shari'ah law. The solution that has been carried out by Shari'ah auditors so far is through the process of priority legal and fiqh istinbāth (ijtihad al-ahkamil-ahkam).Abstrak. Praktik audit Syarī’ah pada lembaga Zakāt di Indonesia telah efektif sejak tahun 2020 melalui Keputusan Menteri Agama Nomor 606 Tahun 2020. Dalam penerapannya, audit Syarī’ah berperan sebagai penjaminan dan pengendalian mutu pelaksanaan pengelolaan dana ZIS dan DSKL. Penelitian ini bertujuan untuk menganalisis praktik audit Syarī’ah pada lembaga Zakāt di Indonesia dari perspektif hukum positif dan Syarī’ah. Penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif deskriptif melalui analisis isi peraturan, data, dan dokumen. Hasil penelitian menunjukkan bahwa dari segi hukum, proses pengelolaan dana dan tata kelola ZIS dan DSKL belum diatur dalam hukum positif yang berjalan dan dalam hukum Syarī’ah. Solusi yang dilakukan auditor Syarī’ah selama ini adalah melalui proses istinbāth hukum dan fiqh prioritas (ijtihad al-ahkamil-ahkam).
Optimization of Profit-Sharing Financing for the Recovery of MSMEs in Islamic Banks During the Covid-19 Pandemic Trimulato, Trimulato; Rodoni, Ahmad; Amelia, Erika
Tijarah: Jurnal Ekonomi Syariah Vol 4, No 1 (2025): Tijarah: Jurnal Ekonomi Syariah
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/tijarah.v4i1.1569

Abstract

This study aims to analyze the development and optimization of profit-sharing financing by Islamic banks to support MSMEs' recovery during the Covid-19 pandemic. Using a qualitative library research approach, the study collected secondary data from OJK, academic journals, and relevant reports. Descriptive qualitative analysis reveals that while profit-sharing financing slightly declined during the pandemic, it remains a strategic instrument for promoting MSME resilience. Optimizing profit-sharing schemes, such as mudharabah and musyarakah, requires stronger bank-customer partnerships and adaptive financial strategies to support real sector recovery.ABSTRAKPenelitian ini bertujuan untuk menganalisis perkembangan dan optimalisasi pembiayaan bagi hasil oleh bank syariah untuk mendukung pemulihan UMKM selama pandemi Covid-19. Dengan menggunakan pendekatan penelitian kepustakaan kualitatif, studi ini mengumpulkan data sekunder dari OJK, jurnal akademik, dan laporan yang relevan. Analisis kualitatif deskriptif menunjukkan bahwa meskipun pembiayaan bagi hasil sedikit menurun selama pandemi, pembiayaan bagi hasil tetap menjadi instrumen strategis untuk mendorong ketahanan UMKM. Optimalisasi skema bagi hasil, seperti mudharabah dan musyarakah, membutuhkan kemitraan bank-nasabah yang lebih kuat dan strategi keuangan yang adaptif untuk mendukung pemulihan sektor riil.
Implementasi Penggunaan Lindung Nilai (Hedging) Syariah untuk Menghadapi Ketidakpastian di Indonesia Muhtadi; Ahmad Rodoni; Erika Amelia
Jurnal Niara Vol. 16 No. 1 (2023): Mei
Publisher : FAKULTAS ILMU ADMINISTRASI UNIVERSITAS LANCANG KUNING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/niara.v16i1.13932

Abstract

Artikel ini membahas produk lindung nilai (hedging) perbankan syariah mendapatkan dukungan dari Bank Indonesia (BI) dan Majelis Ulama Indonesia (MUI) melalui aturan dan/atau regulasi dalam pelaksanaannya di Indonesia. Namun, pemilihan produk lindung nilai (hedging) sebagai salah satu alternatif pilihan produk derivatif yang ditawarkan oleh perbankan syariah dinilai masih sangat rendah. Penyebab rendahnya penggunaan produk lindung nilai (hedging) perbankan syariah dikarenakan minimnya eksposur yang diberikan kepada produk lindung nilai (hedging) syariah. Dengan memperhatikan beberapa fatwa terkait yang dikeluarkan oleh Majelis Ulama Indonesia dan peraturan Bank Indonesia yang mengatur tentang Lindung Nilai Syariah, penulis melakukan studi literatur dan analisa kualitatif deskriptif atas produk pada tiap-tiap bank di Indonesia yang memasarkan produk lindung nilai syariah. Hal ini sangat krusial dalam melayani kebutuhan publik terhadap produk-produk perbankan syariah. Keterbukaan informasi menjadi faktor penting dalam pemasaran berbagai produk dan layanan ekonomi perbankan syariah, kurangnya keterbukaan informasi mengakibatkan antusiasme konsumen perbankan syariah masih belum terlalu tinggi. Padahal, dengan manfaat yang ditawarkan tentu lindung nilai dapat menjadi daya tarik tersendiri bagi pelanggan perbankan syariah
ANALISIS KEBIJAKAN EKONOMI SYARIAH ZAMAN RASULULLAH SAW BERDASARKAN PERSPEKTIF HUKUM EKONOMI ISLAM Abdurrohman Akbar, Firman Muhammad; Amelia, Erika; Rodoni, Ahmad
Ar Rasyiid: Journal of Islamic Studies Vol. 1 No. 1 (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.v1i1.2

Abstract

Rasulullah SAW diutus ke bumi untuk memperbaiki kejahilan. Salah satunya dengan membuat kebijakan-kebijakan ekonomi. Rasulullah SAW mengeluarkan beberapa kebijakan yang berkaitan dengan berbagai hal seperti, masalah kemasyarakatan, masalah hukum, politik, juga masalah perniagaan atau ekonomi. Masalah perekonomian umat yang menjadi salah satu hal yang sangat di perhatikan oleh Rasulullah SAW, karena masalah ekonomi merupakan pilar penyangga keimanan yang perlu diperhatikan. Oleh karena itu Rasulullah SAW mengeluarkan sekaligus mengimplementasikan kebijakan-kebijakan sosial untuk mengatasi masalah kemiskinan. langkah dalam penentuan dasar-dasar sistem keuangan negara yang dilakukan oleh Rasulullah SAW merupakan hal yang sangat signifikan, sekaligus cerdas dan diluar espektasi pada masa itu, sehingga Islam menjadi sebuah agama dan negara yang dapat berkembang dengan pesat, karena bisa berkembang dalam jangka waktu yang relative singkat. Sistem ekonomi yang Rasulullah SAW terapkan menggunakan berdasarkan dengan prisn-prinsip ekonomi yang ada di dalam Al-Qur’an. Al-Qur’an menjadi sumber-sumber utama dalam ajaran Islam. Islam telah menentukan berbagai aturan sebagai petunjuk bagi umat manusia dalam melakukan aktivitas kehidupan sehari-hari di berbagai aspeknya, termasuk pada bidang ekonomi.
Artificial Intelligence to Control the Consumption of Islamic Banking Customers Maryadi, Maryadi; Arief, Zaenal; Nuriasari, Selvia; Rodoni, Ahmad; Amelia, Erika
EconBank: Journal of Economics and Banking Vol 6 No 1 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i1.311

Abstract

This study aims to complete literacy about the application of artificial intelligence technology in business functions, namely in the consumption function. This research method is a literature review by analyzing books and literature from various databases related to the research theme. The data used in this study is qualitative data from literature studies obtained from books and articles through various databases such as Scopus, Web of Science, Google Scholar, and other valid online sources to obtain research-themed material during March and April 2023. The use of mobile banking continues to increase. The features available in mobile banking provide comfort and convenience in making transactions. This can lead to consumption patterns that are not in accordance with the rules set out in Islamic law. Artificial intelligence technology can be applied in various business functions including production, distribution, procurement, and so on. In the consumption function, artificial intelligence can be designed to control consumption so that it conforms to Islamic principles, for example consuming halal goods, excessive amounts, and so on. The artificial intelligence technology adopted in mobile banking services is expected to become one of the monitoring tools to encourage Islamic banking customers to always commit to consumption rules, and prevent all forms of deviation from the correct consumption path.
ZIS (Zakat, Infak, Sedekah) Financial Management for Health Programs at BAZNAS BAZIS DKI Jakarta AlJannah, Eine Kiswah; Ciptaningtyas, Ratri; Nurmansyah, Muhammad Iqbal; Kusumawardani, Riastuti; Ariyanti, Fajar; Amelia, Erika
Journal of Religion and Public Health Vol. 6 No. 1 (2024)
Publisher : Journal of Religion and Public Health

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jrph.v6i1.38144

Abstract

Philantrophy is an activity that viewed as supporting tool to elevate community healthy. Islamic philantrophy, such as Zakat,Infaq,Shadaqah(ZIS) has been a method to help low economic people but the allocation to health sectors is not well studued. This study aims to reveal the financial management of ZIS at BAZNAS BAZIS DKI Jakarta for their Health Program “Jak B Sehat”. This research is qualitative with an intrinsic case study. Data collection was conducted by in-depth interviews from 3 BAZIS employees and 2 beneficiaries, and document review. In general, financial management at BAZIS DKI is well executed because it has demonstrated a lawful source of funds, the financing management mechanism is carried out according to Shari'a, and the allocation of funds has a high impact on beneficiaries. However, there are obstacles that create less efficient task, such as technical problems and a lack of human resources. Jak B Sehat as a result of the financial management process has a positive impact among the beneficiaries, such as removing tatoos and ambulance delivery. Therefore, more human resources number is recommended to avoid double tasks and accelerate ZIS collection.Keywords: ZIS Financial Management, Jak B Sehat
PENGARUH DIRECT INSTRUCTION MODEL TERHADAP KETERAMPILAN GERAKAN ROLL DEPAN PEMBELAJARAN SENAM LANTAI KELAS VII DI SMPN 3 CIKARANG UTARA Erika Amelia; Rahmat Iqbal; Dhika Bayu Mahardhika
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 03 (2025): Volume 10 No. 03 September 2025 Build
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i03.30800

Abstract

The purpose of making this thesis is to determine the effect of the Direct Instruction Model on the Front Roll Movement Skills of Class VII Floor Gymnastics Learning at SMPN 3 Cikarang Utara. To answer the formulation of research problems that have been formulated, the authors use a quantitative approach with experimental methods. This research was conducted at SMPN 3 Cikarang Utara by taking one class as a research sample, namely class VII which amounted to 36 respondents out of 180 class VII students. The sample technique used in this study was purposive sampling. The form of research design uses pre-experimental design with the form of one-group pretest-posttest design. This research instrument uses a test instrument for the ability of basic techniques of floor gymnastics movements, from this study the average before treatment and after treatment has increased significantly, namely floor gymnastics increased from the mean pretest 46.72 to the mean posttest 78.69. Meanwhile, the results of the calculation of the Paired Sample T Test hypothesis testing with the data obtained from this study are a significance value (2-tailed) of 0.000 <0.05, meaning that there is a significant influence between the average score before treatment and the average score after treatment. It can be concluded that the direct instruction model can affect the learning of class VII floor gymnastics at SMPN 3 Cikarang Utara.
Financial Ratio and Its Influence to Profitability in Islamic Banks. Amelia, Erika
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 7 No. 2 (2015)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v7i2.1700

Abstract

This research aims to analyze the influence of the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Biaya Operasional Pendapatan Operasional (BOPO) to Return on Asset (ROA) in Bank Muamalat Indonesia and Bank Syariah Mega. The data analysis method used in this research is multiple regression analysis. From the test results show that the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR) and Biaya Operasional Pendapatan Operasional (BOPO) simultaneously effect to Return on Asset (ROA). Based on the test results of the t statistic was concluded that the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) and the Financing to Deposit Ratio (FDR) partially no significant effect to Return on Asset (ROA), while Biaya Operasional Pendapatan Operasional (BOPO) partially significant effect to Return on Asset (ROA)DOI: 10.15408/aiq.v7i2.1700
Co-Authors Abdurrohman Akbar, Firman Muhammad Ahmad Rodoni AlJannah, Eine Kiswah Aprilianti, Astiti Chandra Aprilianti, Astiti Chandra Arief, Zaenal Ariyanti, Fajar Claresta Octavina Ahmad Darwanto Darwanto Devi Dwi Sulastri Dhika Bayu Mahardhika Dimas Kenn Syahrir Endah Meiria Erniati Rizky Islamiah Eva Fauziah Hardini Hadziq, M Fuad Intan Lilis Sugiarti Irhamsyah Putra Khodijah Qodiryani, Masayu Ustadzah Maria Qibtiyah Maryadi Maryadi Muhammad Harfi Ramdan Muhtadi Nurmansyah, Muhammad Iqbal RAHMAT IQBAL Ratri Ciptaningtyas Riastuti Kusumawardani Selvia Nuriasari Terminanto, Ade Ananto Trimulato Trimulato, Trimulato Yusup, Mohammad Zakiyudin, Muhammad Ali