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All Journal Kodifikasia: Jurnal Penelitian Islam EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Syar'Insurance: Jurnal Asuransi Syariah Bertuah : Jurnal Syariah dan Ekonomi Islam At-Tasyri Jurnal Hukum Islam dan Ekonomi Syariah Journal of Islamic Economics Qawanin: Journal of Economic Syaria Law Cessie : Jurnal Ilmiah Hukum JIB : Journal Islamic Banking Jurnal Ilmiah Ekonomi, Manajemen dan Syariah Jurnal Ekonomi dan Kewirausahaan West Science Kultura: Jurnal Ilmu Sosial dan Humaniora Jurnal Sains Student Research Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Indonesian Journal of Innovation Science and Knowledge Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Jurnal Manajemen Bisnis dan Keuangan Al-Fadilah: Islamic Economics Journal
Muhamad Aji Purwanto
Sekolah Tinggi Agama Islam Negeri Bengkalis
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS HUKUM TENTANG PROSES HIWALAH DALAM HUKUM ISLAM Rozalita; Sri Bintang; Ivan Domos Saputra; Muhammad Aji Purwanto
JOURNAL SAINS STUDENT RESEARCH Vol. 3 No. 1 (2025): Jurnal Sains Student Research (JSSR)
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jssr.v3i1.3402

Abstract

This study aims to conduct a legal analysis of the hiwalah process in the context of Islamic law. Hiwalah is an important concept in the Islamic legal system that refers to the transfer of debt liabilities from one party to another. In the perspective of fiqh, hiwalah is considered a valid contract if it meets certain conditions such as the willingness of all parties involved, the existence of clear debts, and compliance with sharia principles. Hiwalah provides convenience for parties involved in financial matters, especially in settling debt and receivables obligations. In contemporary practice, the concept of hiwalah is also used in the Islamic banking and modern finance sectors, particularly in products such as credit transfer and debt management. This research examines the sharia policies on hiwalah, its terms, and its application in the modern context, as well as its potential benefits in creating a fair and ethical financial system.
THE INFLUENCE OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDES ON THE FINANCIAL MANAGEMENT BEHAVIOR OF WEAVER UMKM PEOPLE IN BENGKALIS VALUE FROM A SHARIA ECONOMIC PERSPECTIVE Rizuan, Syahrul; Aji Purwanto, Muhamad; Saifullah
MBISKU: Jurnal Manajemen Bisnis dan Keuangan Vol. 2 No. 1 (2025): MBisKu, January 2025
Publisher : Program Studi Manajemen Keuangan Syariah

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Abstract

This research is motivated by the rapid development of the Micro, Small and Medium Enterprises (UMKM) sector in Indonesia, which is supported by government policies as stated in Law Number 20 of 2008. Even though UMKM contribute significantly to the economy, there are still challenges in financial management. faced by business actors, especially in weaving craft centers in Bengkalis. This research aims to analyze the influence of financial knowledge and financial attitudes on financial management behavior among weaving UMKM in Bengkalis from a sharia economic perspective. The method used is a quantitative descriptive study with primary data collection through closed questionnaires which are analyzed using statistical techniques. The research results show that financial knowledge and financial attitudes have a positive and significant influence on the financial management behavior of weaving craftsmen. Financial knowledge shows tcount 6.827 (significance 0.000), financial attitude tcount 2.636 (significance 0.011), and the combination of both F count 37.356 (significance 0.000). The R Square value of 0.624 shows that 62.4% of financial management behavior is influenced by financial knowledge and attitudes, the remaining 37.6% by other factors. The sharia economic perspective also emphasizes the importance of transparent and accountable financial management, so that UMKM can contribute more optimally to economic development
Contracts in the Sharia Context Muhammad Latifil Ansori; Murni Aisah; Nur Fitriah; Muhammad Aji Purwanto
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 2 (2024): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i2.36

Abstract

Akad is a fundamental concept in Islamic law which refers to an agreement or contract that binds two or more parties. This journal  aims to provide a comprehensive overview of contracts, starting from the definition to the types based on their nature and scope. By using an approach to specific cases in various contexts of daily life, this research explores how contracts play an important role in completing transactions and negotiating rights and obligations. Methodologically, this research uses a literature study method to analyze various sources of Islamic law and ulama fatwas related to contracts. The results show that contracts are not only limited to economic transactions, but also include social and religious aspects, such as marriage and the Hajj. This research also highlights the importance of fulfilling the conditions for the validity of a contract, including agreement, clarity of content, and legal capacity of the parties.
Ariyah and Rahn (A Study of the Dynamics of Human Relations) Mhd Aidil Al Khusaini; M. Zulhilmi Hafiz; Siti Nurbaiti; Muhammad Aji Purwanto
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 2 (2024): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i2.39

Abstract

Ariyah is a loan which allows other people to take advantage of something that is halal for free or with the aim of helping without damaging the substance of the item, and is returned after using the benefit in a condition where the substance remains undamaged. Meanwhile, pawning in Islam is called rahn. Pawning is an activity of pawning goods as collateral for a debt transaction carried out. A person who pawns an item (rahin) to a murtahin, then the item remains the property of the guarantor (rahin). As a result, a collateral recipient (murtahin) may not use or sell the collateral before obtaining permission from the collateral provider. Meanwhile, a murtahin can ask the rahin for money if it is used to maintain the rahin's property if maintenance is needed on the item. Nowadays, this pawning has become a solution to the urgent need for money which is needed by the community.
Penerapan Al-Shulh dalam Penyelesaian Sengketa Ekonomi Syari’ah Ulfatul Zahra; Rodiatul Sukma; Putri Ulan Dari; Muhamad Aji Purwanto
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 2 (2024): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i2.3114

Abstract

Al-shulh sebagai mekanisme penyelesaian sengketa secara damai memiliki peran penting dalam sistem hukum Islam, khususnya dalam konteks ekonomi syariah. Penelitian ini bertujuan untuk menganalisis penerapan al-shulh dalam penyelesaian sengketa ekonomi syariah. Melalui kajian literatur dan studi kasus, penelitian ini mengungkap berbagai aspek terkait al-shulh, mulai dari konsep dasar, landasan hukum, hingga praktik penerapannya. Hasil penelitian menunjukkan bahwa al-shulh menawarkan alternatif yang efektif dalam menyelesaikan sengketa ekonomi syariah, karena dapat menjaga hubungan baik antar pihak, memberikan fleksibilitas dalam mencapai kesepakatan, dan sesuai dengan nilai-nilai keadilan dan kemaslahatan dalam Islam.
Peran Wakalah Dalam Meningkatkan Efisiensi Lembaga Keuangan Syariah Muhammad Syafiq; Nurullita Azzahra; Muhamad Aji Purwanto; Silvia Hayati
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 2 (2024): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i2.3115

Abstract

Penelitian ini membahas peran wakalah dalam meningkatkan efisiensi lembaga keuangan syariah dari perspektif hukum Islam serta aplikasinya di Indonesia. Latar belakang penelitian menyoroti pentingnya konsep wakalah sebagai salah satu instrumen keuangan syariah yang memberikan solusi dalam pengelolaan transaksi sesuai prinsip-prinsip Islam. Penelitian ini bertujuan untuk menganalisis dasar hukum, praktik pelaksanaan, serta tantangan dalam penerapan wakalah di lembaga keuangan syariah Indonesia. Hasil penelitian menunjukkan bahwa wakalah memiliki landasan hukum yang kuat dalam Islam, didukung oleh berbagai fatwa dan regulasi di Indonesia. Praktiknya diterapkan dalam berbagai produk perbankan syariah yang membantu meningkatkan efisiensi transaksi dan layanan kepada nasabah. Namun, penelitian ini juga mengidentifikasi sejumlah tantangan, termasuk kurangnya pemahaman masyarakat tentang konsep wakalah serta persaingan dengan produk keuangan konvensional. Penelitian ini merekomendasikan perlunya edukasi yang lebih intensif, penguatan regulasi, serta inovasi produk berbasis wakalah untuk meningkatkan daya saing lembaga keuangan syariah di Indonesia.
Tradisi Go Ge Cap Lak (Bakar Tongkang) Dalam Tinjauan Sosiologi Ekonomi Islam Candra, Kavita Lovia; Efrianti, Esti; Purwanto, Muhamad Aji
Journal of Islamic Economics (JoIE) Vol. 3 No. 1 (2023)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v3i1.6324

Abstract

Introduction: Go Ge Cap Lak, according to the Chinese community, has the meaning of expressing gratitude to Kie Ong Ya (the god of the sea) who has given protection to their ancestors when sailing the ocean so that they can reach the Rokan Hilir region. In the course of its history, Go Ge Cap Lak in addition to having theological value also has a very thick anthropocentric value that makes the tradition as one of the religious tourism in the region. Not only the ethnic Chinese community benefited but also Muslims who lived in the local area. This tradition has become an annual event with a considerable economic impact. However, what if this tradition is seen in the study of Islamic economic sociology Research Methods: This research is included in the type of field research with qualitative descriptive data analysis methods. Primary data sources come from data mining in the field and supporting sites such as disbudpora, while secondary data sources come from previous research Results: The tradition has an economic impact on the surrounding Muslim community. This expediency is in line with the orientation of fulfilling life or in the language of religion in order to maintain life. Conclusion: Go Ge Cap Lak also has economic value. The Ministry of Tourism and Creative Industries includes Go Ge Cap Lak as one of the annual activities that are always held in Bagansiapiapi. This activity also made the economy of the Bagansiapiapi Muslim community rise and develop.
Analisis Asuransi Nelayan Mandiri Terpercaya Perspektif Takaful (Studi Kasus Kabupaten Bengkalis) Aji Purwanto, Muhamad; Munawarah, Faridatul
Qawanin: Jurnal of Economic Syaria Law Vol 9 No 1 (2025): June
Publisher : Fakultas Syariah IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/qaw.v9i1.455

Abstract

Takaful is an insurance concept based on the principles of mutual assistance (ta'awun) and sharing risks (tabarru') with other insurance participants. The concept of takaful emphasizes social solidarity and togetherness which is in line with Islamic values. This research uses a qualitative method in the nature of library research, namely a data collection method by searching for sources and constructing them from various sources such as journals, websites and previous research. Bengkalis Regency fishermen who are targeted by BPAN include small fishermen and traditional fishermen with insurance against the risk of death while fishing, permanent disability due to accidents, medical costs and death compensation outside of fishing activities as well as receiving insurance benefits. Trusted Mandiri fishermen's insurance in Bengkalis Regency is not fully in accordance with the takaful concept which is based on the principle of mutual assistance where only life insurance is applied and the insurance benefits are received. Takaful adalah konsep asuransi yang berdasarkan prinsip saling tolong menolong (ta’awun) dan saling berbagi risiko (tabarru’) dengan peserta asuransi lainnya. Konsep takaful menekankan terhadap solidaritas sosial dan kebersamaan yang sejalan dengan nilai-nilai keislaman. Penelitian ini menggunakan metode kualitatif bersifat studi pustaka (library research) yakni metode pengumpulan data dengan mencari sumber-sumber dan mengkontruksi dari berbagai sumber seperti jurnal, website dan penelitian-penelitian terdahulu. Nelayan Kabupaten Bengkalis yang menjadi sasaran BPAN meliputi nelayan kecil dan nelayan tradisional dengan jaminan risiko kematian saat menangkap ikan, cacat tetap akibat kecelakaan, biaya pengobatan dan santunan kematian diluar kegiatan menangkap ikan serta menerima manfaat pertanggungan. Asuransi nelayan Mandiri Terpercaya di Kabupaten Bengkalis belum sepenuhnya sesuai dengan konsep takaful yang berlandaskan pada prinsip tolong-menolong dimana hanya menerapkan asuransi jiwa dan menerima manfaat pertanggungan.
AKAD MUSYARAKAH DAN PENERAPANNYA DI PERBANKAN SYARIAH Tri Lestari; Afwatul Mukhlisah; Muhamad Aji Purwanto
Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora Vol. 2 No. 7 (2024): Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora
Publisher : Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/kultura.v2i7.1727

Abstract

Seperti kita ketahui, mayoritas penduduk Indonesia beragama Islam. Hal ini juga menyadari pentingnya bank syariah untuk menghindari transaksi yang jelas-jelas menyimpang dari ajaran syariah dan Islam. Akad kerjasama antara pemilik modal, yang mengatur berbagai bentuk kerjasama untuk pelaksanaan kegiatan halal dan produksi bisa di sebut dengan makna akad musyarakah dan diakhiri dengan pembagian margin dan keuntungan yang adil dan proporsional. Tentunya untuk memahami cara kerja akad musyarakah ini kita perlu memahami rukun, syarat dan landasan hukum yang memungkinkan akad musyarakah ini bisa dikelola dengan keuangan syariah khususnya perbankan syariah. Dalam pembuatan jurnal ini penulis menggunakan metode penelitian perpustakaan dan internet searching yaitu, pengumpulan informasi menggunakan sumber perpustakaan dan pengumpulan data melalui internet. Jurnal ini ditulis dengan menggunakan metode yang bersumber dari buku dan artikel penelitian. Dengan menggunakan metode penelitian ini diketahui hubungan penting antar variabel yang diteliti, yang menjelaskan kesimpulan dan gambaran objek yang diteliti.
HUKUM DAN PERTUMBUHAN USAHA KECIL DAN MENENGAH (UKM) STUDI LAW AS SOCIAL ENGINEERING AND SOCIAL CONTROL Zulaiha, Siti; Sari, Nur Fitri; Purwanto, Muhamad Aji
Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora Vol. 2 No. 7 (2024): Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora
Publisher : Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Usaha mikro, kecil, dan menengah (UMKM) mempunyai peran penting dalam meningkatkan perekonomian negara, sehingga pemerintah harus fokus mengembangkan strategi dan kebijakan untuk mendukungnya. Topik menumbuhkan UMKM untuk meningkatkan kesejahteraan masyarakat, berbagai bentuk eksploitasi UMKM, dan perlindungan hukumnya dibahas dalam artikel ini. Penelitian ini menggunakan yuridis nomatik dan deskriptif analitis. Temuan penelitian menunjukkan bahwa pendirian UMKM mempunyai sejumlah kendala, antara lain terkait pemasaran, pendanaan, tenaga kerja, bahan baku, dan teknologi. Namun pola UMKM yang dieksploitasi terdiri dari akumulasi modal, terbangunnya ketergantungan sosial dan ekonomi, serta sistem pasar monopoli. Saat ini, pemerintah melakukan pengamanan terhadap UMKM dengan menyederhanakan persyaratan permohonan izin usaha, proses pengembangan, pengaturan kemitraan, dan menyiapkan mekanisme penyelenggaraan koordinasi dan pengawasan pemberdayaan UMKM serta tata cara penegakan sanksi administratif. Oleh karena itu, langkah-langkah lebih lanjut untuk melindungi UMKM harus diambil oleh pemerintah, termasuk mengawasi orang-orang yang tidak jujur ​​dan memberikan mereka perlindungan hukum yang lebih besar. Selain itu, negara juga harus melakukan perubahan, seperti memberikan bantuan hukum gratis kepada UMKM dan menurunkan pajak.
Co-Authors Aan Adhatu Safika Afwatul Mukhlisah Amelia Amelia Andrian Saputra Andriyani, Siti Fatmala Arie Sulistyawan Astuti, Yulia Azri, Ahmad Danil Candra, Kavita Lovia Efrianti, Esti Farah Wahidah Fiola Seltina Hanifah, Ulya Imam Mahmudi Irwani, Agustina Ivan Domos Saputra Kumneriati Kurniawan, Yova Dwi Lauziningrum, Nova Fransisca M. Zulhilmi Hafiz Mardhatila Mhd Aidil Al Khusaini Miftahul Hasanah Muhammad Latifil Ansori MUHAMMAD SYAFIQ Munawarah, Faridatul Murni Aisah Nandra, Andre Syah Nur Fitriah Nurullita Azzahra Putri Caesar Putri Deinsyah Putri Ulan Dari Rani Alfayani Rezki, Muhammad Rizuan, Syahrul Rodiatul Sukma Rozalita Saifullah Sania Riska Sari, Nur Fitri Seltina, Fiola Septi Wulan Sari Setiawan Silvia Hayati Siti Fatmala Andriyani Siti nur izzati Siti Nurbaiti Siti Rohani Siti Zulaiha Sri Bintang Sri Hidayati Suci Salsabila, Vina Sulihkhodin, Moh. Alfin Tri Lestari Ulfa Suliana Ulfa, Zahratul Ulfatul Zahra Ulya Hanifah Wellin Yetna Kadeli Windi Aprillian Syaputri Yeni Anggriyani Zesxia Viviola Arini