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All Journal At-Tawassuth: Jurnal Ekonomi Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL MANAJEMEN BISNIS Jurnal Pendidikan dan Konseling AL-HIKMAH : Jurnal Theosofi dan Peradaban Islam Journal of Management and Business Innovations Journal of Enterprise and Development (JED) Jurnal Informatika Ekonomi Bisnis Islamijah: Journal of Islamic Social Sciences Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Investasi Islam Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Kontigensi: Jurnal Ilmiah Manajemen INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Studi Akuntansi, Keuangan, dan Manajemen NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Jurnal Publikasi Ilmu Manajemen Jurnal Ekonomi Bisnis dan Manajemen Jurnal Sains Student Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Majapahit Journal of Islamic Finance dan Management ZONA: Jurnal Pengabdian Masyarakat LAN TABUR: JURNAL EKONOMI SYARIAH Amnesty: Jurnal Riset Perpajakan Jurnal Publikasi Manajemen Informatika
Budi Harianto
Universitas Islam Negeri Sumatera Utara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences Other

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PEMIKIRAN SEYYED HOSSEIN NASR TENTANG ETIKA LINGKUNGAN DAN EKONOMI HIJAU DALAM ISLAM Budi Harianto; Adenan Adenan; Paisal Siregar; Yuli Safitri
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v10i2.26341

Abstract

Penelitian ini menganalisis pemikiran Seyyed Hossein Nasr mengenai etika lingkungan dan relevansinya bagi pembangunan ekonomi hijau dalam perspektif Islam. Sebagai tokoh mazhab Perennial dan filsafat Islam kontemporer, Nasr menegaskan pentingnya mengembalikan kesakralan alam (sacred nature) melalui kosmologi tauhid, konsep manusia sebagai khalifah dan pemegang amanah, serta kritik terhadap saintisme dan reduksionisme modern yang memicu krisis ekologis. Studi ini menggunakan pendekatan kualitatif berbasis studi pustaka dan analisis hermeneutik-konseptual terhadap karya-karya Nasr dan literatur terkait ekoteologi Islam dan keuangan/ekonomi syariah berkelanjutan. Hasil kajian menunjukkan: (1) etika lingkungan Islam berbasis tauhid, mizan (keseimbangan), ‘adl (keadilan), dan larangan israf (ekses) menyediakan prinsip normatif untuk tata kelola sumber daya; (2) ekonomi hijau dalam Islam perlu ditopang oleh maqasid al-syari‘ah yang menegaskan kemaslahatan lintas generasi; (3) instrumen kelembagaan seperti zakat lingkungan, wakaf hijau, hisbah, dan sukuk hijau dapat mengoperasionalkan nilai etis ke dalam kebijakan; (4) agenda operasional meliputi standar ESG syariah, rantai pasok halal sirkular, dan pengukuran dampak. Artikel ini menawarkan kerangka sintesis “Sacred-Value Green Economy” untuk mengintegrasikan spiritualitas, etika, dan instrumen ekonomi hijau berbasis syariah.
Cash Waqf and Religious Moderation: A New Path To Strengthen Pancasila Values Among Indonesian Muslim Youth Muhammad Syukri Albani Nasution; Budi Harianto; Fauzi Arif Lubis; Wulan Dayu; Imam El Islamy; Bambang Lesmono; Malkan Yahya Abdillah; Rudy Rifalgi
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.251

Abstract

Introduction: Cash waqf has developed as an important instrument in Islamic social finance that connects religious commitment with socioeconomic empowerment. However, previous studies have mainly focused on cash waqf as a philanthropic and financial mechanism, while its role in strengthening civic values and social cohesion among Muslim youth remains limited. This study aims to examine how cash waqf management contributes to religious moderation and strengthens Pancasila values among Indonesian Muslim youth. Methods: This research employs a qualitative approach using in-depth interviews involving 68 participants from North Sumatra, Jakarta, Yogyakarta, and South Sulawesi. Data were analyzed through thematic analysis to identify patterns related to cash waqf practices, religious moderation, and civic values. Results: The findings reveal that cash waqf functions not only as a charitable instrument but also as a form of faith-based civic engagement that transforms religious values into socioeconomic actions. Religious moderation plays an important role in ensuring inclusive, transparent, and socially responsible waqf management. Furthermore, this study introduces the Faith-Based Civic Economy model, explaining how cash waqf can strengthen civic identity and social solidarity among Muslim youth. Conclusion and suggestion: The study concludes that productive cash waqf provides a strategic pathway for integrating Islamic social finance with Pancasila values through justice, welfare, and collective responsibility. Therefore, waqf institutions and policymakers should strengthen youth-oriented waqf programs, improve professional governance, and develop innovative cash waqf management strategies to achieve sustainable social empowerment.
Analisis Strategi Manajemen Klaim dalam Menekan Resiko Fraud di PT. Asuransi Panin Dai-Ichi Life Elyana Syakira; Aqwa Naser Daulay; Budi Harianto
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3372

Abstract

Insurance fraud is a latent threat that can disrupt the financial stability of life insurance companies. PT Panin Dai-Ichi Life Medan Branch faces significant challenges in safeguarding against illegitimate claims driven by criminal intent. This study aims to analyze the effectiveness of claim management strategies in mitigating fraud risks in Medan. This study employs a qualitative descriptive case study method. Data gathered through in-depth interviews and documentation were analyzed using a SWOT matrix (IFAS/EFAS) based on Fraud Risk Assessment. The analysis revealed a net IFAS score of +0.48 and an EFAS score of +0.71, positioning the company in Quadrant I (Aggressive Strategy). The primary strength lies in the multi-layered clinical verification by the internal Casemix medical team and strict adherence to prompt payment SOPs. However, challenges persist regarding digital document manipulation and dispute risks due to agent mis-selling. The S-O (Strengths-Opportunities) Strategy is highly recommended, focusing on integrating the claim system with partner hospitals' e-medical records, utilizing AI for anomaly detection, and reinforcing anti-fraud compliance under OJK regulations and Law No. 4 of 2023 on PPSK.
Penerapan Prinsip Indemnitas dan Kontribusi pada Klaim Ganda Asuransi Kesehatan Syariah: Analisis Kepatuhan terhadap Fatwa DSN MUI Amelia Syahfitri Purba; Fauzi Arif Lubis; Budi Harianto
Jurnal Publikasi Ilmu Manajemen Vol. 5 No. 1 (2026): Maret: Jurnal Publikasi Ilmu Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v5i1.6974

Abstract

This study aims to analyze implementation of the indemnity and contribution principles in handling duplicate klaim within Islamic health insurance in Medan, based on the DSN-MUI Fatwas No. 21/DSN-MUI/X/2001 and No. 53/DSN-MUI/III/2006. Utilizing a descriptive socio legal research method, document analyst and in depth interviews with management and claim analysts across three entities companies implementing a contribution mechanism. The results reveal a significant gap between the normative ideals of the fatwas and the operational realities on the ground. Although Company strictly implements an payment system and Company tightens preventive verification through notarized statements alongside amicable settlement schemes (shulhu), the principle of indemnity is not fouy upheld isn compromised in specific product lines. Policy loopholes in the hospital cash plan products at Company are frequently exploited by certain participants to obtain finamcial benefits excerding their actual medical expenses qiurngrise to elements of sepecullation (maisir). This lack of information transparency creates opportunities for illicit double claims using duplicate documents. This study concludes that genuine shariah compliance requires adaptive product design reforms and interconnected data systems to restore the true essence of Islamic insurance as mutual assistance (ta'awun).
Co-Authors Adenan Adenan Ahmad Syakir Amelia Syahfitri Purba Anisah Cyntia Dewi Pratama Anri Akta Perdana Siregar Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Arifin Fauzi Lubis Arifinsyah, Arifinsyah Arini Lestari Bambang Lesmono Budi Februari Darwin Multa Nasution Dharma, Budi Elyana Syakira Feby Nurhalizah Siregar Fitrah Ilham Ramdhan Fitri Ritonga Gilang Saka Maulana Husni Mubarak Husni Mubarak Iin Suwita Imam El Islamy Indah Khuzaimah Isra Hayati Jahara Siregar Kusmilawaty Kusmilawaty Lathifah Ananda Putri Laylan Syafina M. Yusuf Malkan Yahya Abdillah Muhammad Lathief Ilhamy Nasution Muhammad Syukri Albani Nasution Muhammad Yuda Hendrawan Muliza Muliza Mustapa Khamal Rokan Nirwana Arsyani Zebua Nurul Jannah Paisal Siregar Panca Syahputra Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Rini Andriansi Rizka Afriani Rudy Rifalgi Sabrina Sarda Nasution Sarah Sabila Sari Harahap, Siska Permata Siska Permata Sari Harahap Sumardi Efendi Syafril Syafril Syafril Syafril Syaibatul Hamdi Thasya Virdinia Vany Fadilah Bastian Waizul Qarni Wulan Dayu Yanisa Citra Trilaxmi Nasution Yoni Hendrawan Yuli Safitri Zainarti Zulkarnaen, Zulkarnaen