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IMPLEMENTASI MAṢLAḤAH DALAM KEGIATAN EKONOMI SYARIAH FAHLEFI, RIZAL
JURIS (Jurnal Ilmiah Syariah) Vol 14, No 2 (2015)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (531.483 KB) | DOI: 10.1234/juris.v14i2.310

Abstract

In terms of Islamic laws, anything that concern with faith (aqidah), worship (‘ibadah) dan deed (muamalah) are basically aimed at ensuring safety in the world and hereafter as well. maslahah  is the most important concept in developing economy and the principles of maslahah  in economic field have been taken as guidance in order to achieve maqasid syariah. Obeying sharia laws is the way to realize maslahah . The implementation of maslahah in economy can be viewed from various activities of mankind in carrying out practices in economy which develop continuously and innovatively, such as in market mechanism, establishment of hisbah institution, productive divine tax (zakat), the presence of sharia financial institution, and so forth.Kata kunci: maṣlaḥah, maqāṣid syarī‘ah, implementasi
PERKEMBANGAN PENGUMPULAN ZAKAT PADA BAZNAS KABUPATEN TANAH DATAR PERIODE 2010 s.d. 2014 FAHLEFI, RIZAL
JURIS (Jurnal Ilmiah Syariah) Vol 15, No 1 (2016)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (396.907 KB) | DOI: 10.1234/juris.v15i1.492

Abstract

Collecting zakat (divine tax) is one of the main responsibilities of amil (the collector) of zakat. In fulfilling this kind of responsibility, BAZNAS of Tanah Datar Regency has done is successfully. This study, therefore, aimed figuring out the zakat collecting growth in BAZNAS of Tanah Datar Regency during 2010-2014 periods in terms of the nominal, source, and efforts made in collecting the zakat. To achive the goals, this study employed case study. The findings showed that the numbers of zakat collected during the period increased significantly with a total of more than IDR 34.44 billions. The increase was much far above the average that could be achieved nationally. In term of source of zakat, there was extended sources from profession zakat to other sources, such as trade and services zakat. In order to support its efforts to collect zakat successfully, BAZNAS of Tanah Datar Regency made continuous efforts to increase Zakat Collecting Unit (UPZ), established marketing team, distributed marketing tools, dan conducted massive zakat socialization
KEBIJAKAN EKONOMI UMAR BIN KHATTHAB Fahlefi, Rizal
JURIS (Jurnal Ilmiah Syariah) Vol 13, No 2 (2014)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (389.443 KB) | DOI: 10.1234/juris.v13i2.1138

Abstract

The leadership of Umar bin Khatthab had showed that the implementation the role (syari’at) of Islam did not stop a nation leader to be creative and innovative to make his country peace and wealth coming true. He had made a farm economy wish and an economy wish in general impartially, tolerantly, and orientally. He developed the priciples of economy in which every one could get his or her right and obligation based on the Koran (Al-Qur’an) and its ordinary. It was done by respecting and helping each other. He also took the advantages of some factors such as production, land, employee, capital, and protecting the individual or group domination.
PEMBANGUNAN EKONOMI BERBASIS SYARIAH Fahlefi, Rizal
JURIS (Jurnal Ilmiah Syariah) Vol 10, No 2 (2011)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (225.504 KB) | DOI: 10.1234/juris.v10i2.928

Abstract

Any decisions made on economy by human in Islam cannot be separated from moral and religious values since all activities upon economy are related to sharia (Islamic laws). Therefore, Islamic (sharia) economy is build upon fundamental values, whether in terms of philosophical, instrumental and institutional values as well, which are based on the Quran and the Sunnah (prophetic traditions). The developments of discourses on Islamic economy have been through long phases which finally promote the establishments of Islamic economy institutions to serve the Islamic (and non Islamic) communities (ummah). Due to the urgent needs of those institutions, the Indonesian government gave positive and serious responses by supporting various Islamic economy institutions to serve the Indonesian people who needs their services.
PEMIKIRAN EKONOMI AL-GHAZALI Fahlefi, Rizal
JURIS (Jurnal Ilmiah Syariah) Vol 11, No 1 (2012)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (309.343 KB) | DOI: 10.1234/juris.v11i1.1050

Abstract

According to al-Ghazali, the goal of life of a moslem is reach the Allah blessing (ridha) both in world and the world after. One of the media that facilitate the achievement of the goal is legal wealth (halal) in economic activities. For al-Ghazali, market is believed to a an evolution of “law of nature”, that is, the passion coming from inside of someone to fulfill each other’s economic need. With his evolution theory about money, al -Ghazali explains that the there have been a shift from barter system to money-based economic system. Money, according to him, may bring two possible things to human, good or bad, depending how individuals use it.
ANALISIS VARIABEL INTERNAL DAN EKSTERNAL DALAMPENGELOLAAN ZAKAT PADA BAZNAS KABUPATEN/KOTA DI SUMATERA BARAT Fahlefi, Rizal
El -Hekam Vol 2, No 1 (2017)
Publisher : State Institute for Islamic Studies Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jeh.v2i1.823

Abstract

The purpose of this study is to determine the strengths, weaknesses, opportunities, and obstacles BAZNAS district / city in West Sumatra in the management of zakat. The research design used is descriptive qualitative. Sources of research data consisted of district / municipality BAZNAS administrators, provincial BAZNAS administrators, local government authorities, and related documents. Data were collected through interview and documentation techniques. The data obtained were analyzed using SWOT analysis. The results show that the strength of BAZNAS districts in West Sumatera is the commitment of management, management autonomy, UPZ formation, continuous socialization, volunteer zakat, zakat fund transparency and program innovation. The weakness of the BAZNAS is insufficient SDM, double positions, lack of muzaki and mustahik databases, the role of UPZ is not optimal yet, the collection is still focused on Zakah on the profession of civil servants, the distribution of consumptive zakat is still dominant, and infrastructure facilities are inadequate. BAZNAS's opportunities are regional regulation, enormous zakat potential, cooperation with religious organizations, public trust, increased civil servant salary / allowances and rapidly growing information technology. The obstacles faced by BAZNAS are the area of work of BAZNAS is very broad, operational budget is minimal, rejection from some scholars and community leaders, direct distribution of zakat, and involvement of others in socialization is still lacking.
Prinsip-prinsip Hukum Kelalaian Sebagai Penyebab Ganti Rugi dalam Hukum Ekonomi Syariah di Indonesia Asyari Hasan; Alimin Alimin; Rizal Fahlefi; Desmadi Saharuddin
Al-Ulum Vol. 19 No. 1 (2019): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1718.627 KB) | DOI: 10.30603/au.v19i1.722

Abstract

This study discusses what are the concepts of legal principles of negligence as a cause of compensation contained in the positive Indonesian Islamic economic law concerning the implementation of contracts for Islamic financial institutions that are studied in a qualitative-normative exploratory manner. This study indicates that there are six legal principles of negligence as a cause of compensation in the positive law of Indonesian sharia economy, namely: 1) carried out with careful consideration, 2) carried out appropriately, 3) carried out carefully, 4) business activities may not exceed permitted limits, 5) business activities must be in line with the provisions stipulated in the contract (not violating the agreement), and 6) negligence classified as intentional negligence and accidental negligence. While the legal principles of negligence contained in conventional law are currently more complete (11 principles of negligence) than those contained in the positive law of sharia economy (only 6 principles)
Utilization of Agricultural Land During the Planting Break in Jorong Mandahiling Nagari Pagaruyung, West Sumatra: Sharia and Legal-Formal Economic Perspectives Rizal Fahlefi; Alimin Alimin; Indah Fitrah Nauri
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 55, No 1 (2021)
Publisher : Faculty of Sharia and Law - Sunan Kalijaga State Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v55i1.928

Abstract

Abstract: The study aims to explain the pattern and legal perspective of the practice of agricultural land use cooperation during the planting break in Jorong Mandahiling, Tanah Datar Regency, West Sumatra Province. This research uses a case study method which is analyzed qualitatively. The research subjects consisted of 21 land owners and 21 land cultivators. The results showed that there are three patterns of land use cooperation during the planting break in Jorong Mandahiling. Based on three patterns of cooperation, there are three types of contracts that apply from the point of view of sharia economic law, namely: first, leasing on land (kirā’ al-ardh); second, profit sharing system (mudhārabah); and third, combination of profit sharing system and joint venture (mudhārabah musytarakah) with a profit sharing system which does not fulfill the principle of fairness in transactions. Viewed from the perspective of sharia economic law and existing legal-formal, the practice of profit sharing in land use cooperation during the planting break is not fully in accordance with existing provisions, especially in the principle of fairness in transactions, because, two of the three contracts that are practiced are more profitable for land owners and unfair for culvtivators.Abstrak: Penelitian ini bertujuan untuk menjelaskan pola dan tinjauan hukum terhadap praktik kerja sama pemanfaatan lahan pertanian selama masa jeda tanam di Jorong Mandahiling, Kabupaten Tanah Datar, Provinsi Sumatera Barat. Penelitian menggunakan metode studi kasus yang dianalisis secara kualitatif. Subjek penelitian terdiri dari 21 orang pemilik lahan dan 21 orang penggarap lahan. Hasil penelitian menunjukkan bahwa terdapat tiga pola kerja sama pemanfaatan lahan pada masa jeda tanam di Jorong Mandahiling. Dari tiga pola kerja sama tersebut, terdapat tiga jenis akad yang berlaku dari sudut pandang hukum ekonomi syariah, yaitu: pertama, sewa atas tanah (kirā’ al-ardh); kedua, sistem bagi hasil (mudhārabah); dan ketiga, perpaduan sistem bagi hasil dan kongsi (mudhārabah musytarakah) dengan sistem bagi hasil yang tidak memenuhi prinsip keadilan bertransaksi. Ditinjau dari perspektif hukum ekonomi syariah dan legal-formal yang ada, praktik bagi hasil dalam kerja sama pemanfaatan lahan pada masa jeda tanam tersebut belum sepenuhnya sesuai dengan ketentuan yang ada, khususnya dalam prinsip keadilan bertransaksi, karena dua dari tiga akad yang dipraktikkan lebih menguntungkan bagi pemilik lahan dan tidak adil bagi penggarap lahan.
Pelaksanaan Denda atas Nasabah Mampu Penunda Pembayaran Utang di Lembaga Keuangan Syariah Alimin Alimin; Rizal Fahlefi
TSAQAFAH Vol 16, No 1 (2020): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v16i1.4006

Abstract

AbstractIslamic Financial Institutions (IFI) have business and social functions. One source of income for social funds other than infaq, shadaqah, and zakah is a fine fund for late payment of debt to able customers. This phenomenon is different from conventional financial institutions that make fines as one of their income. The fine at the IFI serves to discipline customers to pay debts, but the collection of these fines should not be done haphazardly because it can lead to ribawi practices and abuse of the situation. Decisions of various fatwa institutions have been made available regarding the rules for implementing this fine (DSN-MUI No. 17 of 2000 and the Sharia Standards of the AAOIFI Sharia Board of Bahrain No.8 and Majma 'al-Fiqh al-Islami Islamic Conference Organization No. 109 of 2000). Based on the results of this study it was found that the implementation of this fine was very varied. The study also found that the potential for these fines was quite large and would contribute positively to IFI's social functions while enhancing the positive image of the community. Variations in the application of these fines can be seen in terms of a) whether or not the fines are carried out with the aim of the promotion strategy, b) the amount of fines applied based on the effectiveness of the deterrence function, c) customer knowledge and understanding is still very low on these sanctions rules, and even IFI practitioners are still not optimally understood.Keywords: Sanction Fines, Usury, BMT, Capable Customers, Bad Debth, Islamic Financial Institutions.                                                     AbstrakLembaga Keuangan Syariah (LKS) mempunyai fungsi bisnis dan sosial. Salah satu sumber pemasukan dari dana sosial selain infak, sedekah dan zakat adalah denda keterlambatan pembayaran utang atas nasabah yang mampu. Hal ini berbeda dengan lembaga keuangan konvensional yang menjadikan denda sebagai salah satu pendapatan lembaga keuangan. Denda pada LKS tersebut berfungsi untuk mendisiplinkan nasabah terutang, namun dalam penerapan denda keterlambatan pembayaran tidak boleh dilakukan sembarangan karena dapat menjurus kepada praktik ribawi dan penyalahgunaan keadaan. Keputusan berbagai lembaga fatwa pun sudah ada tentang pelaksanaan denda ini (DSN-MUI No. 17 Th. 2000 dan Standar Syariah Dewan Syariah AAOIFI Bahrain No. 8 serta Majma' al-Fiqh al-Islami Organisasi Konferensi Islam No. 109 Th. 2000). Namun, berdasarkan hasil penelitian ternyata di lapangan terdapat berbagai variasi pelaksanaannya. Penelitian ini juga menemukan bahwa potensi denda tersebut cukup besar dan akan memberikan kontribusi positif bagi fungsi sosial LKS sekaligus meningkatkan kesan positif dari masyarakat. Variasi penerapan terlihat dari sisi a) dilaksanakan atau tidaknya denda tersebut dengan alasan strategi promosi, b)  jumlah denda yang diterapkan berdasarkan efektifnya tujuan penjeraan, c) pengetahuan dan pemahaman nasabah masih sangat rendah terhadap aturan sanksi ini, dan bahkan praktisi terhadap aturan sanksi ini masih belum maksimal.Kata Kunci: Denda Sanksi, Riba, BMT, Nasabah Mampu, Keterlambatan Pembayaran, Lembaga Keuangan Syariah.
REVITALISASI PERAN ZAKAT DALAM PENGENTASAN KEMISKINAN MELALUI MEDIASI KOMUNIKASI MUZAKKI DAN MUSTAHIK rizal fahlefi
Al-Maslahah : Jurnal Ilmu Syariah Vol 15, No 2 (2019)
Publisher : Fakultas Syariah (Syari'ah Faculty )

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (172.393 KB) | DOI: 10.24260/al-maslahah.v15i2.1302

Abstract

Setiap komponen masyarakat memiliki tanggung jawab dalam pengentasan kemiskinan. Salah satunya adalah dengan memaksimalkan potensi zakat warga setempat. Penelitian ini bertujuan untuk membantu masyarakat menggali potensi zakat yang dimilikinya untuk dimanfaatkan sepenuhnya guna pengentasan kemiskinan di wilayah tersebut melalui mediasi komunikasi antara muzakki dan mustahik. Metode penelitian yang digunakan adalah participatory action research dengan teknik menggunakan kesadaran mandiri komunitas dalam menyelesaikan problem mereka sendiri. Hasil penelitian menunjukkan bahwa mediasi telah membuka ruang diskusi antara muzakki dan mustahik sehingga terbangun komunikasi yang aktif dan efektif antara dua komunitas tersebut untuk menyelesaikan permasalahan kemiskinan di daerah setempat melalui pemanfaatan potensi zakat.