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All Journal Maraji`: Jurnal Ilmu Keislaman Al-Daulah : Jurnal Hukum dan Perundangan Islam El-Qist : Journal of Islamic Economics and Business (JIEB) Management of Zakat and Waqf Journal (MAZAWA)) el-Jizya: Jurnal Ekonomi Islam Investama : Jurnal Ekonomi dan Bisnis Al-Muzdahir: Jurnal Ekonomi Syariah Borneo Islamic Finance and Economics Journal (BIFEJ) Al-Muhasib: Journal of Islamic Accounting and Finance Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Manajemen dan Pemasaran Journal of Islamic Economics Studies and Practices (JIESP).
Bakhrul Huda, Bakhrul
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Praktik Jual Beli Jagung dengan Sistem Tebasan di Desa Triwung Lor Kecamatan Kademangan Kota Probolinggo Perspektif Akad Juzaf Mahmudah, Azizatul; Huda, Bakhrul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 2 (2020): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2020.10.2.120-132

Abstract

The practice of buying and selling corn with the wholesale system has been understood from generation to generation by the Muslim community in Triwung Lor village, Kademangan sub-district, Probolinggo City. This kind of buying and selling practice is carried out naturally and is not based on knowledge of religious teachings. Researchers are interested in uncovering this phenomenon with a fiqh analysis tool, namely the juz?f contract, because the majority of Triwung Lor villagers are Muslim and they must know their muamalah activities, that is, according to their Islamic teachings or not. This research reveals that the practice of buying and selling corn using the wholesale system carried out by the Muslim community in Triwung Lor village, Kademangan district, Probolinggo City tends to have fulfilled the juz?f sale and purchase agreement. That is the buying and selling that is allowed plural by fiqh scholars for objects that cause mashaqqah (difficulties) and have become a necessity for the majority of the community because of the ease of doing so. Key Words: Corn; buy and sell; wholesale; juz?f; Abstrak: Praktik jual beli Jagung dengan sistem tebasan telah makhlum dilakukan secara turun temurun oleh masyarakat Muslim di desa Triwung Lor kecamatan Kademangan Kota Probolinggo. Praktik jual beli semacam ini dilakukan secara natural dan tidak berlandaskan pengetahuan ajaran agama. Peneliti tertarik mengungkap fenomena ini dengan alat analisis fikih yaitu akad juz?f sebab mayoritas masyarakat desa Triwung Lor beragama Islam dan mereka harus mengetahui akan aktifitas muamalah mereka, yaitu sesuai dengan ajaran Islam yang mereka anut atau tidak. Penelitian ini mengungkapkan bahwa praktik jual beli Jagung dengan sistem tebasan yang dilakukan oleh masyarakat Muslim di desa Triwung Lor kecamatan Kademangan Kota Probolinggo cenderung telah memenuhi akad jual beli juz?f. Yaitu jual beli yang diperbolehkan secara jamak oleh para ulama fikih untuk objek yang menimbulkan mashaqqah (kesulitan) dan telah menjadi kebutuhan mayoritas masyarakat sebab kemudahan dalam melakukannya. Kata Kunci: Jagung; jual beli; tebasan; juzaf;
Analysis of The Covid-19 Pandemic Impact on Operational Risk At Muamalat Bank Lamongan Sub-Branch Office: Analisis Dampak Pandemi Covid-19 Terhadap Risiko Operasional Pada Bank Muamalat Kantor Cabang Pembantu Lamongan Sholikhah, Nikmatus; Fakih, Baharudin; Felamani, Moh. Nabel; Huda, Bakhrul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 11 No. 2 (2021): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2021.11.2.136-150

Abstract

Abstract: The role of risk management in banking is crucial in realizing a good and healthy banking industry. This research aimed to determine how the Covid-19 pandemic impacted operational risks at the Muamalat bank Lamongan branch office. The research method used is a qualitative research method using a case study approach. This research describes how the current Covid-19 pandemic impacts banking operational risks at the Muamalat Lamongan bank branch office. The results of this research are that several operational risks must be faced by the Muamalat bank Lamongan branch office, namely reduced banking operating hours, implementation of WFH (work from home) policies for banking employees, and increased bank operational costs. There are two operational risk factors, namely, internal and external factors. To overcome operational risks during the Covid-19 pandemic, the Muamalat bank Lamongan branch office made several efforts, including implementing health protocols, opening accounts for new customers outside the office, maximizing existing technology, and restructuring financing for customers affected by Covid-19. Keywords: Pandemic Impact, Covid-19, Operational Risk,  Muamalat bank Lamongan sub-branch Office.   Abstrak: Peran manajemen risiko dalam perbankan sangat penting dalam mewujudkan industri perbankan yang baik dan sehat. Penelitian ini bertujuan untuk mengetahui bagaimana dampak pandemi Covid-19 terhadap risiko operasional pada Bank Muamalat Kantor Cabang Lamongan. Metode penelitian yang digunakan adalah penelitian kualitatif dengan menggunakan pendekatan studi kasus. Penelitian ini fokus ingin mendeskripsikan tentang bagaimana dampak pandemi Covid-19 saat ini terhadap risiko operasional perbankan di kantor cabang bank Muamalat Lamongan. Hasil dari penelitian ini adalah beberapa risiko operasional yang harus dihadapi bank Muamalat kantor cabang Lamongan yaitu pengurangan jam operasional perbankan, penerapan kebijakan WFH (work from home) bagi pegawai perbankan, serta peningkatan biaya operasional bank. Ada dua faktor risiko operasional, yaitu faktor internal dan faktor eksternal. Untuk mengatasi risiko operasional di masa pandemi Covid-19, Bank Muamalat kantor cabang Lamongan melakukan beberapa upaya, antara lain menerapkan protokol kesehatan, pembukaan rekening bagi nasabah baru di luar kantor, memaksimalkan teknologi yang ada, dan melakukan restrukturisasi pembiayaan bagi nasabah yang terdampak Covid-19. Kata Kunci: Dampak Pandemi, Covid-19, Risiko Operasional,  Bank Muamalat Kantor Cabang Pembantu Lamongan.
Konsep Wisata Halal dan Hak-hak Wisatawan dalam Perspektif Fikih Huda, Bakhrul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 12 No. 1 (2022): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2022.12.1.57-76

Abstract

Abstract: This study aims to answer what are the provisions of Halal Tourism from the perspective of Fiqh? How can a tourist area be said to be halal (permitted in Islam)?, and what are the rights of tourists to Halal Tourism destinations?. By using non-interactive qualitative research, data in this study were collected from the verses of the Qur'ān, Matan Hadīth, Maqālah (statement and opinion) of the Moslem scholars regarding the explanations of these verses and Hadīth, also articles and proceedings relevant to the theme. The result of the study is that tourism can be categorized in the halal category as long as it does not leave one of the following destinations; going to Ḥaram (The Sacred Mosque), connecting kinship, visiting Ulamā’ or pious people, recreation for body and soul refreshment, fulfilling invitations or shar'ī events, service or work and da'wah. A tourist area can be categorized as a halal by fulfilling the following conditions; facilities of worship are available, there are no haram or munkar facilities, there is no haram food and drink, giving a tourists rights, there is no injustice, environmentally friendly, preserves local norms and values ​​as long as it does not conflict with sharia values. Meanwhile, the rights of tourists visiting the Halal Tourism area are; getting life protection, getting access to worship, guaranteed luggage safety, getting the facilities offered, and being protected from injustice. Keywords: Halal Tourism Concept; Halal Tourism Area; Tourist Rights; Fiqh   Abstrak: Penelitian dalam artikel ini ingin menjawab bagaimana ketentuan Wisata Halal dalam perspektif Fikih? Bagaimana area wisata dapat dikatakan halal?, dan apa hak-hak wisatawan destinasi Wisata Halal?. Dengan menggunakan penelitian kualitatif non-interaktif, data dikumpulkan dari Ayat al-Qur’an, Matan Hadis, maqālah para ulama tentang penjelasan Ayat dan Hadis tersebut, artikel dan prosiding yang relevan dengan tema. Hasilnya, bahwa Wisata dapat masuk kategori Halal selama tidak keluar dari salah satu tujuan berikut; pergi ke Tanah Haram, silaturrahim, menziarahi Ulama atau orang saleh, rekreasi penyegaran jiwa dan raga, memenuhi undangan atau acara yang shar‘ī, dinas atau kerja dan dakwah. Sebuah area wisata dapat dikatakan Halal jika memenuhi semua ketentuan sebagai berikut, yaitu; tersedia sarana ibadah, tidak ada fasilitas haram atau munkar, tidak ada makanan-minuman haram, memberikan hak-hak wisatawan, tidak ada kezaliman, ramah lingkungan, melestarikan norma dan nilai setempat selama tidak bertentangan dengan syariah. Sedangkan hak-hak wisatawan yang berkunjung di area Wisata Halal adalah; mendapat perlindungan jiwa, mendapatkan akses ibadah, terjamin keamanan barang bawaan, mendapatkan fasilitas yang ditawarkan, dan terjaga dari kezaliman. Kata Kunci: Konsep Wisata Halal; Area Wisata Halal; Hak Wisatawan; Fikih
Islamic Equity Financing as an Alternative of Capital Structure to Improve Business Performance: A Systematic Literature Review Wicaksono, Rianto Anugerah; Syihabuddin, Atok; Salleh, Ahmad Dahlan; Huda, Bakhrul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 14 No. 1 (2024): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2024.14.1.1-16

Abstract

This study presents a systematic literature review of capital structure choices with a particular focus on Islamic equity financing and its impact on business performance. By synthesizing 172 Scopus-indexed articles from 1999 to 2023, the research examines the comparative dynamics of internal financing, trade credit, debt financing, and equity financing—including the Islamic mode of mushārakah. Key theoretical frameworks, namely the Pecking Order Theory and Trade-Off Theory, are used to analyze how firms navigate capital structure decisions amid considerations such as cost, control, risk, and tax implications. The findings demonstrate a growing academic and practical interest in Islamic equity financing as a profit-and-loss sharing alternative that aligns with ethical finance principles. However, challenges remain in its adoption due to risk asymmetry and limited regulatory and institutional support. This review further highlights technological innovations—such as blockchain and big data analytics—as emerging solutions to mitigate risk and information asymmetry in Islamic equity models. The specific contribution of this study to the international research field lies in its comprehensive mapping of the development and application of mushārakah-based financing across various contexts and sectors, offering a unique cross-comparison with conventional equity models. It contributes to global discourse by positioning Islamic equity financing not merely as a faith-based solution, but as a viable, ethical, and technologically adaptive alternative to conventional financing models. The study opens new research directions for scholars and practitioners in Islamic finance, fintech, and capital structure optimization.
Penyelesaian Problem Akad Istishna Berdasarkan Fatwa DSN-MUI Nomor 06/DSN-MUI/IV/2000 di UD Putra Ngetos Meubel Abdillah, Ulil Absor Faiq; Fawaid, Fawaid; Huda, Bakhrul
el-Jizya : Jurnal Ekonomi Islam Vol. 12 No. 1 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i1.11273

Abstract

Terdapat kasus perselisihan dalam transaksi jual beli antara pelanggan dan pihak UD Putra Ngetos Meubel sebagai pemasok. Kasus ini melibatkan pemesanan meja kerja oleh seorang pelanggan, namun setelah barang diterima di rumahnya, terungkap bahwa ukuran meja tidak sesuai dengan pesanan awal. Ketidaksesuaian ukuran ini kemudian menjadi sumber konflik, menciptakan sengketa yang timbul dari perbedaan antara perjanjian awal dan barang yang diterima. Hal ini berdasarkan Fatwa DSN-MUI Nomor 06/DSN-MUI/IV/2000 bagaimana bentuk penyelesaian yang harusnya dilakukan. Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis penyelesaiaan problem akad Istishna bedasarkan Fatwa DSN-MUI Nomor 06/DSN-MUI/IV/2000 di UD Putra Ngetos Meubel. Metode penelitian yang digunakan menggunakan metode kualitatif. Teknik pengumpulan data yang digunakan berupa teknik observasi, wawancara dan dokumentasi. Hasil dari penelitian ini menunjukkan bahwa berdasarkan padangan Fatwa DSN-MUI Nomor 06/DSN-MUI/IV/2000 bentuk penyelesaiannya ialah pihak pembeli yang tidak menerima hak atas pemesanan barang sebaiknya diselesaikan secara musyawarah kekeluargaan. Hal ini bertujuan untuk kemaslahatan bersama. Jika proses sengketa masih berkelanjutan, sebaiknya diselesaikan melalui persidangan melalui Badan Arbitrasi Syariah. Keputusan dari Badan Arbitrasi Syariah biasanya bersifat final dan mengikat kedua belah pihak, dan hukuman atau ganti rugi yang diberikan harus dipenuhi sesuai dengan ketentuan yang ada.
Flag Respect in Indonesia: A Study of Islamic Literature and Legislation in Indonesia Huda, Bakhrul; Syam, Nur; Safiudin R., Achmad
Al-Daulah: Jurnal Hukum dan Perundangan Islam Vol. 13 No. 2 (2023): October
Publisher : Prodi Hukum Tata Negara Fakultas Syariah dan Hukum UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/ad.2023.13.2.180-201

Abstract

The tribute of the flag is routinely debated on social media, with a flag ceremony held on 17 August each year. Such issues appear to be annual discussions, although there are logical reasons for the party to unanimously express respect for the flag. This article was presented to add academic literature to honoring the flag by answering how unquestioned human diversity is in Islamic literature, how the urgency of the flag in Islamic literature, and how urgency honors the flag in the legal state. The method used to answer these questions is a descriptive qualitative research method with a literary study approach. The sources used are secondary data obtained by authors of Verses, Hadith, Classical Islamic literature, legislation, journals, processes, and relevant online news. The result of the discussion was to become sunnatullah of the existence of humans who are of different ethnicities and nations. The flag that represents a nation or a nation exists and is recorded in the history of Islamic literature. The salute of the flag as an expression of gratitude, a love of the fatherland, commemorating the hero's ceremonial service, which proved there is no Shirk word in the anthem, the blessing of ceremony-bearers and the words of prayer recited at the end of the ceremony are acceptable, recommended even (should) on postulate ṣaḥīḥ even above ṣarīḥ. The attitude of the flag in the legislation is in Article 20 PP. No. 40 of 1958 and Article 15 of Law No. 24 of 2009, respect means to uphold the state's identity while also being a form of love and acknowledging the sovereignty and honor towards the state.
Implementasi Total Quality Manajemen pada Bank Syariah Indonesia KCP Gresik Menganti Maulidiyah, Af’idatul; Aprissa M, Dian; Ainiyah, Fakhriyadi; Huda, Bakhrul
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 2 No. 2 (2022)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v2i2.313

Abstract

Total Quality Management (TQM) is a starting point for an approach that assists Islamic financial institutions in improving service quality and regulates how the management control methods used are compatible with the management of financial institutions. This article wants to answer how the TQM concept is at BSI KCP Gresik Menganti and how TQM is implemented in that place. This research is a type of empirical research that emphasizes data collection directly from practice. The approach used by us is a qualitative approach. The results of our study are that the TQM concept in the research location emphasizes 1) friendly, courteous, and friendly service; 2) innovation is an initiative that implements solutions and wants to create added value; 3) role models, as actions and motivations that are correct and appropriate to implement cultural values; 4) professionalism, namely competence and responsibility, as well as innovative work, and; 5) honest, discipline, and consistency. In practice, BSI KCP Gresik Menganti implements TQM in the services provided which are pretty good, and most importantly the services provided do not look at who comes from both a race and ethnic perspective, the customers who come with various obstacles to BSI KCP Gresik Menganti.
Regulation Of Cryptocurrency In Indonesia: An Integrative Approach Between Positive Law And Islamic Law For Risk Mitigation Aufaq, Ahmad Azim; Huda, Bakhrul
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.2, Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.11929

Abstract

Cryptocurrency in Indonesia faces complex regulatory challenges, given its legal status as a digital asset but its illegality as a means of payment. This legal uncertainty is exacerbated by the incompatibility of cryptocurrency practices with Sharia principles, particularly due to elements of gharar (uncertainty) and maysir (gambling), which are prohibited in Islamic law. This study aims to examine cryptocurrency regulation through an approach that integrates positive law and Islamic law, while formulating a risk mitigation model to ensure compliance with both legal systems. Employing normative legal methods and a juridical-philosophical approach, this research identifies the existing legal dualism and proposes the "Hybrid Regulatory Compliance" model, which integrates the legal certainty principles of positive law with the maslahah (public interest) of Islamic law. This approach is expected to create a more ethical and stable cryptocurrency ecosystem, thereby enhancing the trust of Muslim investors in Indonesia. The developed model also offers practical solutions for regulators and stakeholders to harmonize cryptocurrency regulations with Sharia principles comprehensively.
Co-Authors Abdillah, Ulil Absor Faiq Ainiyah, Fakhriyadi Al Azroh, Devira Aprissa M, Dian Arul Ade Kusuma, Ahmad Asy'ari, Mochammad Syahrul Atok Syihabuddin Aufaq, Ahmad Azim Dwi Firnanda, Reza Fahreza Rahmadana, Rayhan Faishal Azhari, Diaz Fakih, Baharudin Fawaid, Fawaid Felamani, Moh. Nabel Harfiah Ningrum, Ghosyi Humairo, Amirotul Jimly Hasanal Adhim, Abdullah Mahfudloh, Filla Apriliani Mahmudah, Azizatul Maulidiyah, Af’idatul Nur Syam Pramana, Bambang Purnamasari, Widya Rianto Anugerah Wicaksono Rizki Murtadho, Ihab Safiudin R., Achmad Salleh, Ahmad Dahlan Sholikhah, Nikmatus