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All Journal MUQTASID IQTISHADIA ISLAMICA: Jurnal Studi Keislaman Al-Jami'ah: Journal of Islamic Studies IJIBE (International Journal of Islamic Business Ethics) Global Review of Islamic Economics and Business Tazkia Islamic Finance and Business Review al-Uqud : Journal of Islamic Economics J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah TSAQAFAH Journal of Islamic Monetary Economics and Finance Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) JIMEBIS Share: Jurnal Ekonomi dan Keuangan Islam Maqdis: Jurnal Kajian Ekonomi Islam Jurnal Ilmiah Basis Ekonomi dan Bisnis EKOBIS SYARIAH Kanun: Jurnal Ilmu Hukum Jurnal Ekonomi Manajemen dan Sekretari Madania: Jurnal Kajian Keislaman

Hafas Furqani

Universitas Islam Negeri Ar-Raniry Banda Aceh

Author-ID : 513392

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH DALAM MEMILIH TABUNGAN HAJI (STUDI KOMPARATIF PADA BANK ACEH DAN BANK SYARIAH MANDIRI DI KABUPATEN ACEH SELATAN) Irfani, Ahmad; Furqani, Hafas; Hasnita, Nevi
Journal of Sharia Economics Vol 1 No 2 (2020): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v1i2.644

Tabungan Haji merupakan salah satu bentuk produk tabungan yang ditawarkan oleh perbankan, selain bertujuan untuk menghimpun dana dari masyarakat juga dimaksudkan untuk memudahkan masyarakat yang berkeinginan menunaikan ibadah haji, namun belum mempunyai uang yang cukup untuk membayar Biaya Penyelengaraan Ibadah Haji (BPIH). Yakni dengan cara menyisihkan penghasilannya untuk ditabung atau disimpan di bank dalam bentuk rekening Tabungan Haji. Penelitian ini bertujuan untuk mengetahui berapa besar pengaruh Pelayanan, Promosi, Religiusitas dan Lokasi terhadap Keputusan Nasabah dalam menentukan tempat untuk menabung tabungan haji. Penelitian ini menggunakan pendekatan kuantitatif yaitu data yang diukur berdasarkan kuesioner yang dibagikan kepada nasabah tabungan haji pada Bank Aceh dan Bank Syariah Mandiri.Variabel dalam penelitian ini terdiri dari Pelayanan (X1), Promosi (X2), Religiusitas (X3), dan Lokasi (X4). Berdasarkan hasil pembahasan dapat disimpulkan bahwa Pelayanan mempengaruhi Keputusan Nasabah di Bank Aceh sebesar 10,5%. Faktor Promosi mempengaruhi Keputusan Nasabah di Bank Aceh sebesar 13,9%. Faktor Religiusitas mempengaruhi Keputusan Nasabah di Bank Aceh sebesar 12,3%. Faktor Lokasi mempengaruhi Keputusan Nasabah di Bank Aceh sebesar 43%. Disini yang menjadi faktor dengan persentase pengaruh tertinggi adalah faktor lokasi dengan pengaruh sebesar 43%. Sedangkan faktor dengan persentase pengaruh terendah adalah faktor pelayanan dengan pengaruh sebesar 10,5 %. Faktor Pelayanan mempengaruhi Keputusan Nasabah di Bank Syariah Mandiri sebesar 31,2%. Faktor Promosi mempengaruhi Keputusan Nasabah di Bank Syariah Mandiri sebesar 15,4%. Faktor Religiusitas mempengaruhi Keputusan Nasabah di Bank Syariah Mandiri sebesar 36,7%. Faktor Lokasi mempengaruhi Keputusan Nasabah di Bank Syariah Mandiri sebesar 10,6%. Disini yang menjadi faktor dengan persentase pengaruh tertinggi adalah faktor religiusitas dengan pengaruh sebesar 36,7%. Sedangkan faktor dengan persentase pengaruh terendah adalah faktor lokasi dengan pengaruh sebesar 10,6%.

ANALISIS DAMPAK PENDAYAGUNAAN ZAKAT PRODUKTIF TERHADAP PENINGKATAN PENDAPATAN USAHA MUSTAHIK BERDASARKAN MODEL CIBEST (Studi Kasus pada Baitul Mal Aceh) Jaili, Muhibbul; Adnan, Muhammad; Furqani, Hafas
Journal of Sharia Economics Vol 1 No 2 (2020): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v1i2.645

Baitul Mal Aceh mendistribusikan zakat produktif menilai calon mustahik menggunakan model CIBEST yang bertujuan dapat memberi pengaruh yang signifikan terhadap keberhasilan usaha dan tingkat kemampuan mustahik dalam mengembangkan modal usaha yang telah diberikan oleh Baitul Mal. Penelitian ini berupaya menganalisis bagaimana penentuan calon mustahik dalam pendistribusian zakat produktif yang dilakukan oleh Baitul Mal Aceh dengan menggunakan model cibest, bagaimana dampak pemberdayaan zakat produktif terhadap peningkatan pendapatan usaha mustahik dengan menggunakan model CIBEST. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan sumber data dari Baitul Mal Aceh. Teknik pengumpulan data dilakukan dengan cara observasi, wawancara, kuisioner dan dokumentasi. Hasil penelitian menunjukkan bahwa Penentuan calon mustahik dalam pendistribusian zakat produktif yang dilakukan oleh Baitul Mal Aceh berdasarkan model CIBEST. Tujuan penggunaan model CIBEST ini adalah untuk melihat tingkat kemiskinan dari calon mustahik, bukan hanya kemiskinan materiil saja yang dinilai tetapi juga kemiskinan spiritual. Dampak pemberdayaan zakat produktif terhadap peningkatan keberhasilan usaha mustahik pada Baitul Mal Aceh ketika dianalisis dengan menggunakan CIBEST terlihat adanya perubahan jumlah mustahik dari kategori miskin materil ke kategori sejahtera yang diketahui dari perubahan pendapatan usaha sebelum dan sesudah diberikan zakat produktif , hal ini sangat dipengaruhi oleh pengelolaan zakat produktif secara baik, pendistribusiannya tepat sasaran serta dilakukan pendampingan secara berlanjut.

Revisiting the Idealism of Syariah Audit for Islamic Financial Institutions Mulyany, Ratna; Furqani, Hafas; Ibrahim, Shahul Hameed Mohamed; Hamoudah, Manal Mohammed
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

The rapid development of syariah audit goes hand in hand with demands for governance of syariah compliance that promotes accountability and transparency. From its inception, syariah audit as a concept has been interpreted and practiced from various perspectives. This research aims to conceptually revisit the ideal conception of syariah audit by looking back at its root, discussing the emergence, meaning, characteristics, and issues of syariah audit. This study demonstrates the need for more holistic development of the conceptual framework for the syariah audit. It consists of defining subject appropriately, standardising the qualification and competence requirements for syariah certified auditors, regulating who should appoint syariah auditors, identifying the scope and extent of syariah audit, establishing the regulatory body forsyariah audit, and enforcing the dedicated standards for syariah audit.Â

Does Islamic Banking Contribute to Economic Development? Evidence from Malaysia Hafas Furqani; Ratna Mulyany
Tazkia Islamic Finance and Business Review Vol. 3 No. 2 (2008)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v3i2.22

Does Islamic banking contribute to the economic development of a country? In what way Islamic banking contribute to the economic development? Are the main question might be asked to examine the viability of Islamic banking to the economic development. This paper attempts to answer those questions by examining the dynamic interactions between Islamic banking and economic development of Malaysia by employing the Cointegration test and Vector Error Model (VECM) to see whether the Islamic financial system contributes to the economic development and economic development that contribute to the transformation of the operation of the Islamic financial system in the longrun. We use time series data of total Islamic bank financing (IB financing) and real GDP per capita (RGDP), fixed investment (GFCF), and trade activities (TRADE) to represent real economic sectors. We found that in the short-run only fixed investment that granger cause Islamic bank to develop for 1997:1-2005:4. Where as in the long-run, there is evidence of a bidirectional relationship between Islamic bank and fixed investment and there is evidence to support ‘demand following’ hypothesis of GDP and Islamic bank, where increase in GDP causes Islamic banking to develop and not vice versa. Islamic banking is also found to have less contribution to the international trade in the form of export and import of goods and services.Keywords: Islamic banking, economic growth, Malaysia, VECM

Zakat for Economic Empowerment of The Poor in Indonesia: Models and Implications Hafas Furqani; Ratna Mulyany; Fahmi Yunus
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3973

Sustainable wellbeing is one of the goals of zakat distribution whereby the poor (mustahiq) are not only able to survive by having the basic needs fulfilled, but also are able to work and fulfill his needs and his family independently. The mustahiq independency is important to solve the problem of inequalities in society, marginalization, unemployemnt and poverty. This can only be achieved if zakat is able to used as a means for economic empowerment of the poor that would increase their capacity and enable them to become enterpreneur and hence able to fulfil their needs by themselves. This article attempts to observe various zakat productive programs initiated by zakat institutions in Indonesia and also analyze their implications in empowering the poors and increase their level of wellbeing. The case study in this paper is Baitul Mal Aceh and Baznas Indonesia.

Pergulatan Doktrin dan Realitas dalam Proses Teoretisasi Ekonomi Islam Hafas Furqani
Islamica: Jurnal Studi Keislaman Vol. 11 No. 1 (2016): September
Publisher : Postgraduate Studies of Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia

This article examines the struggle between the doctrine and reality in the process of theorizing Islamic economics that until now remains a challenge in building the science of Islamic economics. The process of theorizing is a problem of epistemology and methodology. As a discipline in the realm of social sciences, Islamic economics uses authoritative sources of Islam (al-Qurâ€™Ã¢n and HadÃ®th), logic and empirical experience. Islamic economic theory is expected to grow from all three of these sources. In contrast to conventional economic theory, the theory of Islamic economics is expected to grow from Islamic doctrine or principle of economy and rooted in empirical facts. The methodology of Islamic economics play a role in integrating doctrine and empirical reality in the process of theorizing Islamic economics. This article describes the three sources of Islamic economic epistemology, the link between doctrine and reality, and the interaction and integration of doctrine and reality in the process of theorizing Islamic economics. Islamic economic theory that is born must have integrity and be tested on three dimensions: doctrine, rationality, and empirical experience.

Innovation versus Replication: Some Notes on the Approaches in Defining Shariah Compliance in Islamic Finance Mohamad Akram Laldin; Hafas Furqani
Al-Jami'ah: Journal of Islamic Studies Vol 54, No 2 (2016)
Publisher : Al-Jami'ah Research Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajis.2016.542.249-272

Shariah contains the principles and foundations upon which financial system from an Islamic perspective is established and acts as guidance and framework on which the direction of the industry is set. This would include the whole processes from product conceptual inception of developing shariah product compliance manual, developing product structure, reviewing the legal documentation, and producing report or opinion on the product application in the market. Islamic finance is expected to offer something new to the market instead of a mere replication and modification of conventional practices in Islamic forms. The paper attempts to survey the approach in developing Islamic finance, including the debate on replication and innovation in a product to the structure as well as the gaps between ideals and practices. [Keuangan Islam dikembangkan berdasarkan atas semangat, filosofi dan prinsip-prinsip hukum Islam sebagaimana terangkum dalam ekonomi shariah. Makalah ini berusaha mengamati berbagai pendekatan dalam mengembangkan keuangan Islam, perdebatan mengenai replikasi ekonomi konvensional, dan inovasi dalam produk hingga struktur maupun kesenjangan antara yang ideal dengan kenyataannya. ]

The Foundations of Islamic Finance: Appraising the Approaches and Challenges Hafas Furqani; Nazaruddin A. Wahid
Global Review of Islamic Economics and Business Vol 1, No 1 (2013)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

The emergence of Islamic finance as a system of thought and practice is timely in the midst of world crisis and the uncertain proposals for solving it. It is hoped that Islamic finance could offer a coherent perspective for understanding real economic problems as well as a genuine alternative to the very foundations of how finance should be managed to actualize human prosperity. It is widely expected that Islamic finance will continuously evolve into a more sophisticated form and structure in the next decade. Some, however, question whether the development is moving on the right track to realize the hopes pinned on it at the time of its initial establishment. This embarks from the differences in understanding the raison d?etre of Islamic finance emergence and hence approach taken in developing the industry. In this paper we argue that Islamic finance should be directed to provide for meaningful development in thetwenty-first century, Islamic finance must realize its full potential as a system, not merely a stopgap means of surviving the crisis. It must go beyond that to provide the guidelines for managing a good economy, stimulating growth and development, realizing socio-economic justice and promoting employment and stability. It cannot limit itself to merely offering economic and financial practices that satisfy the minimum standard of legal requirements.

Worldview and the Construction of Economics: Secular and Islamic Tradition Hafas Furqani
TSAQAFAH Vol 14, No 1 (2018): Contemporary Islamic Discourses
Publisher : Universitas Darussalam Gontor

Economics as a system of thought and body of knowledge is constructed based on certain philosophical foundations derived from a particular worldview. The term worldview, which originated from the German Weltanschauung (composed of Welt, ‘world’, and Anschauung, ‘view’ or ‘outlook’) refers to a world perception, or the concept and framework of ideas through which human interprets the human life and world. The term worldview, in general, refers to belief, doctrine, perspective and values in the sense that it supplies views, assumptions and images of how to perceive things. The worldview which is the perspective in understanding the existence and realities decorates the scientifc atmosphere, its direction as well as objectives. The worldview is also fundamental in supporting the development of a science and its progress. Mainstream economics is developed from the foundation of Secular Worldview which is characterized as materialist (excluding the metaphysics), reductionist (reducing the epistemological basis on positivism with atomistic perspective) and individualist (isolating individual from society). Islamic economics, on the other hand, is developed on the basis of Islamic worldview. The Islamic worldview is claimed to be more comprehensive, integrative and holistic in nature. This would make Islamic economics having a potential to answer the shortcoming found in conventional economics. The paper would explore the nature of worldview in Secular and Islamic tradition and its implications in developing discipline of economics and Islamic economics. The paper also seeks to develop some foundations for Islamic economics to be a distinct discipline.

ANALISIS PERBANDINGAN TINGKAT PRODUKTIVITAS BANK UMUM SYARIAH (BUS) DAN UNIT USAHA SYARIAH (UUS) DI INDONESIA PERIODE 2015-2018 Qadrun Nada; Hafas Furqani; Isnaliana Isnaliana
Jihbiz: Global Journal of Islamic Banking and Finance. Vol 3, No 2 (2021)
Publisher : Prodi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v3i2.10455

Penelitian ini bertujuan untuk membandingkan tingkat produktivitas Bank Umum Syariah dan Unit Usaha Syariah di Indonesia periode 2015-2018. Data penelitian ini menggunakan data laporan keuangan yang diterbitkan oleh Bank Umum Syariah dan Unit Usaha Syariah periode 2015-2018. Penelitian ini menggunakan enam sampel BUS dan tujuh sampel UUS. Metode pendekatan penelitian adalah kuantitatif komparatif non parametrik. Metode analisis yang digunakan untuk mengukur tingkat produktivitas BUS & UUS adalah Malmquist Productivity Index (MPI). Variabel input terdiri dari dana pihak ketiga (DPK), modal dan biaya pegawai, sedangkan variabel output terdiri dari pembiayaan. Hasil penelitian ini menunjukkan bahwa rata-rata nilai produktivitas Bank Umum Syariah selama periode penelitian Total Factor Productivity (TFP> 1) sebesar 1.005, hal ini menunjukkan bahwa BUS telah mengalami perubahan tingkat produktivitas sebesar 0,005%. Sedangkan nilai produktivitas Unit Usaha Syariah pada periode tersebut juga mengalami peningkatan sebesar 0,004% (1.004> 1). Nilai produktivitas BUS dan UUS dipengaruhi oleh nilai Total Productivity Factor (TFP) yaitu perubahan efisiensi / EFFCH) dan perubahan teknologi (TECHCH). Hasil perhitungan dan pengujian hipotesis menunjukkan bahwa tidak terdapat perbedaan yang signifikan antara nilai produktivitas Bank Umum Syariah dan Unit Usaha Syariah di Indonesia.

Co-Authors A.A. Ketut Agung Cahyawan W Abdul Hamid Armiadi Musa Armiadi Musa Awalurramadhana, Awalurramadhana Azharsyah Ibrahim Azimah Dianah Bismi Khalidin Cut Niswatul Chaira Cut Rizka Kamila Dara Amanatillah Darmawan, Reza Dhiwa, Malem Fahmi Yunus Fuadi Hafidhah Hafidhah Hamoudah, Manal Mohammed Hasnita, Nevi Husna Dwi Fahira Idul Adha, Syamsul ILHAM Irfani, Ahmad Isnaliana Isnaliana Jaili, Muhibbul Jalaluddin Jalilah Jalilah Khairudin Laldin, Mohamad Akram Manal Mohammed Hamoudah Millati, Aja Fitria Mohamad Akram Laldin Mohamad Laldin, Mohamad Muhammad Adnan Muhammad Adnan MUHAMMAD ARIFIN Muhammad Dayyan Muhammad Yasir Yusuf Muhammad Zulhilmi muhibbul jalil Muksal Muksal Munawar Rizki Jailani Nilam Sari Noura Rouzaton Novia Khairunnisa Palevy, Muhammad Reza Qadrun Nada Ramzani,P , Ikbal Ratna Mulyany Ratna Mulyany Ratna Mulyany Ratna Mulyany Ratna Mulyany Ratna Mulyany, Ratna Reza Darmawan Riska Jaya Mustika Riska Srimuliana Riska, Mona Safrirullah Shahul Hameed Mohamed Ibrahim Shahul Hameed Mohamed Ibrahim, Shahul Hameed Mohamed Syahrizal Abbas Syarif Hidayatullah Yunus, Fahmi

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