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KONSEP MASHLAHAH DALAM KONSUMSI DITINJAU DARI PERSPEKTIF EKONOMI ISLAM Rahmat Ilyas
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 1, No 1 (2015): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Islamic economics is an integral part (integral) of Islam. As a derivation of Islam, the Islamic economy would follow the method in all aspects. Islam is a system of life (way of life), where Islam has provided a variety of devices complete rules for human life, including in the economic field. Islam positions of economic activities as one of the important aspects to get the glory (Falah), therefore the activity of economic as other activities need to be guided and controlled in order to run harmony with the methods of Islam as a whole. Mashlahah is any goodness dimensional world and hereafter, material and spiritual as well as individual and collective, and it must consist of three elements like adherence of sharia (halal), useful and bring good (Thoyib) in all aspects manner that does not pose a crucial trouble.Ekonomi Islam merupakan bagian yang tidak terpisahkan (integral) dari agama Islam. Sebagai derivasi dari agama Islam, ekonomi islam akan mengikuti ajarannya dalam berabagai aspeknya. Islam adalah sistem kehidupan (way of life), dimana Islam telah menyediakan berbagai perangkat aturan yang lengkap bagi kehidupan manusia, termasuk dalam bidang ekonomi. Islam memposisikan kegiatan ekonomi sebagai salah satu aspek penting untuk mendapatkan kemuliaan (falah), dan karenanya kegiata ekonomi sebagaimana kegiatan lainnya perlu dituntun dan dikontrol agar berjalan seirama dengan ajaran Islam secara keseluruhan. Mashlahah merupakan segala bentuk kebaikan yang berdimensi duniawi dan ukhrawi, material dan spritual serta individual dan kolektif serta harus memenuhi tiga unsur yakni kepatuhan syariah (halal), bermanfaat dan membawa kebaikan (thoyib) dalam semua aspek secara keseluruahn yang tidak menimbulkan kemudharatan.

ANALISIS SISTEM PEMBIAYAAN PADA PERBANKAN SYARIAH Rahmat Ilyas
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 6 No 1 (2018): Adzkiya Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Sistem keuangan dan perbankan Islam merupakan bagian dari konsep yang lebih luas tentang ekonomi Islam, dimana tujuannya adalah memberlakukan sistem nilai dan etika Islam ke dalam lingkungan ekonomi.Larangan riba dalam Islam, sebagaimana juga dalam beberapa agama lain, dan inspirasi umat Islam untuk menerapkan larangan ini dalam kehidupan ekonomi telah merangsang terbentuknya sejumlah lembaga keuangan syariah diseluruh penjuru dunia dalam tiga dekade terakhir.Diantara lembaga tersebut adalah bank komersial dan investasi, perusahaan asuransi (takaful), perusahaan leasing dan mudharabah serta lembaga non lainnya.Lembaga keuangan merupakan lembaga yang mempertemukan antara pihak yangmempunyaikelebihandana(surplus of funds)denganpihakyang mengalami kekurangan dana (lack of funds). pentingnya lembaga keuangan sebagai salah Satupilar ekonomi dapat dilihat dari berbagai kebijakan pengucuran dana pinjaman usaha berbagai usaha.

ANALISIS SISTEM PEMBIAYAAN PADA PERBANKAN SYARIAH Rahmat Ilyas
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 6 No 1 (2018): Adzkiya Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Sistem keuangan dan perbankan Islam merupakan bagian dari konsep yang lebih luas tentang ekonomi Islam, dimana tujuannya adalah memberlakukan sistem nilai dan etika Islam ke dalam lingkungan ekonomi.Larangan riba dalam Islam, sebagaimana juga dalam beberapa agama lain, dan inspirasi umat Islam untuk menerapkan larangan ini dalam kehidupan ekonomi telah merangsang terbentuknya sejumlah lembaga keuangan syariah diseluruh penjuru dunia dalam tiga dekade terakhir.Diantara lembaga tersebut adalah bank komersial dan investasi, perusahaan asuransi (takaful), perusahaan leasing dan mudharabah serta lembaga non lainnya.Lembaga keuangan merupakan lembaga yang mempertemukan antara pihak yangmempunyaikelebihandana(surplus of funds)denganpihakyang mengalami kekurangan dana (lack of funds). pentingnya lembaga keuangan sebagai salah Satupilar ekonomi dapat dilihat dari berbagai kebijakan pengucuran dana pinjaman usaha berbagai usaha.

KONSEP PEMBIAYAAN DALAM PERBANKAN SYARI’AH Rahmat Ilyas
Jurnal Penelitian Vol 9, No 1 (2015): JURNAL PENELITIAN
Publisher : LP2M IAIN kUDUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/jp.v9i1.859

THE FINANCING CONCEPT IN SHARIA BANKING. Defrayal or financing is funding provided by one party to another to support the planned investment, either by themselves or institution. In other words, the financing is funding incurred to support the planned investment. Financing terms in effect means that I believe, I trust. The word financing means (trust) that means financial institutions as s}a>h} ib al-ma>l put their trust in someone to carry out the given mandate. The fund should be used properly, fairly, and must be accompanied by a bond and the terms are clear and mutually beneficial for both parties. Each financial institution has syari’ah philosophy to seek the pleasure of Allah. to obtain good in the world and the hereafter. Therefore, any activities of financial institutions which feared deviate from the guidance of religion should be avoided. In the implementation of the financing, Islamic bank must fulfill two very important aspects, namely: (1) syar’i aspect, where in each realization of financing to customers, the Islamic bank must be oriented to the Islamic Shariah; and (2) the economic aspect, which is still considering the gains, both for banks and for Shariah bank customers.Keywords: Financing, Islamic Banking, Islamic Financial Institutions Pembiayaan atau financing adalah pendanaan yang diberikan oleh suatu pihak kepada pihak lain untuk mendukung investasi yang telah direncanakan, baik dilakukan sendiri maupun lembaga. Dengan kata lain, pembiayaan adalah pendanaan yang dikeluarkan untuk mendukung investasi yang telah direncanakan. Istilah pembiayaan pada intinya berarti I believe, I trust, saya percaya, saya menaruh kepercayaan. Perkataan pembiayaan yang berarti (trust) berarti lembaga pembiayaan selaku sa} h> i} b al-mal> menaruh kepercayaan kepada seseorang untuk melaksanakan amanah yang diberikan. Dana tersebut harus digunakan dengan benar, adil, dan harus disertai dengan ikatan dan syarat-syarat yang jelas dan saling menguntungkan bagi kedua belah pihak. Setiap lembaga keuangan syari’ah mempunyai falsafah mencari keridaan Allah swt. untuk memperoleh kebajikan di dunia dan akhirat. Oleh karena itu, setiap kegiatan lembaga keuangan yang dikhawatirkan menyimpang dari tuntunan agama harus dihindari. Dalam pelaksanaan pembiayaan, bank syari’ah harus memenuhi dua aspek yang sangat penting, yaitu: (1) aspek syar’i, di mana dalam setiap realisasi pembiayaan kepada para nasabah, bank syari’ah harus tetap perpedoman pada syari’at Islam; dan (2) aspek ekonomi, yakni tetap mempertimbangkan perolehan keuntungan, baik bagi bank syari’ah maupun bagi nasabah bank syari’ah.Kata kunci: Pembiayaan, perbankan syariah, lembaga keuangan syariah

PENGARUH RETURN ON ASSETS DAN RETURN ON EQUITY TERHADAP RETURN SAHAM SYARIAH PADA PERUSAHAAN CONSUMER GOODS (FOOD AND BEVERAGES) YANG TERDAFTAR DI JAKARTA ISLAMIC INDEX PERIODE 2018-2020 Irmawati Irmawati; Rahmat Ilyas; Mandala Faldini
Budgeting: Jurnal Akuntansi Syariah Vol 3 No 1 (2022): Budgeting: Jurnal Akuntansi Syariah, Juni 2022
Publisher : PROGRAM STUDI AKUNTANSI SYARIAH FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/bdg.v3i1.2738

In investing, investors are faced with uncertainty between the returns to be obtained and the risks they will face. For this reason, investors need financial information that is used as an important indicator to assess the company's performance and stock returns on the investments they make. Financial reports, especially those related to return on assets and return on equity, are one of the important information used by investors to assess company performance. This study aims to determine the effect of return on assets and return on equity on sharia stock returns in Consumer Goods companies listed on the Jakarta Islamic Index for the 2018-2020 period. The type of this research is descriptive quantitative with secondary data type. This research was conducted on Consumer Goods companies listed on the Jakarta Islamic Index for the 2018-2020 period. The sampling technique used purposive sampling with data analysis techniques using panel data analysis techniques and consisted of population and data samples, design, research models, data instruments and multiple regression tests. Data collection techniques consist of literature studies, previous research and data obtained from quarterly financial reports published on Consumer Goods companies listed on the Jakarta Islamic Index. The population used are companies in the Jakarta Islamic Index index on the Indonesia Stock Exchange, with a sample of 4 issuers where there are 48 data taken for 3 years from 2018-2020. The results of this study indicate that partially return on assets (ROA) has a positive and significant effect on Islamic stock returns with the acquisition of a probability value of 0.02130 <0.05 and return on equity (ROE) has a negative and significant effect on Islamic stock returns with the acquisition of probability values. of 0.0140 < 0.05. While the return on assets (ROA) and return on equity (ROE) variables together show a significant effect on sharia stock returns.

Konsep Dasar Dalam Sistem Keuangan Syariah Ilyas, Rahmat
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 2 No. 1 (2017): Asy-Syar'iyyah Juni 2017
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v2i1.594

Dinul Islam is a comprehensive living system that Allah swt down through His Apostle. Which includes aqidah, ubudiah, mu'amalah, mu'asyarah and morals that guide people so life is full of glory. Comprehensive concept means comprehensive rules that encompass various aspects of life, whether of dimension of belief (aqidah), ritual of self-servant (ubudiah), and social aspect ie mu'amalah, mu'asyarah and morals. In everyday life, economy is the wheel of life as a container to meet the material needs of human beings, both in individual life, and social. Islam leads its people to embrace and practice Islamic teachings in a kaffah (comprehensive / comprehensive) in all aspects of life.

Kerangka Dasar Penyusunan dan Penyajian Laporan Keuangan Syariah Ilyas, Rahmat
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 1 No. 1 (2016): Asy-Syar'iyyah Juni 2016
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v1i1.603

Islamic transactions based on the basic paradigm that the universe was created by God as amanah (trust Divine) and means the joy of life for all mankind to prosper materially and spiritually intrinsic (Al-falah). The basic paradigm emphasizes every human activity has accountability and divine values that put the sharia and morals as parameters of good and bad, right and wrong with the business activity. Financial reporting is the structure and process of accounting that describes how the financial information provided and reported to achieve the goal of economic and social state

Analisis Kelayakan Pembiayaan Bank Syariah Ilyas, Rahmat
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 4 No. 2 (2019): Asy-Syar'iyyah Desember 2019
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v4i2.999

Sharia banks are banks that operate by not relying on interest. Islamic banks or commonly referred to as a bank without interest, is a financial institution / banking operational and its products are developed based on al-Qur'an and hadith. Financing is one of the principal tasks of banks, namely the provision of facilities to provide funds to meet the needs of the parties which is the unit deficit. The main purpose of the financing analysis is to gain confidence whether the customer has the willingness and ability to fulfill his obligations in an orderly manner, both principal and profit sharing in accordance with the agreement with the bank.

ANALISIS PEMETAAN POTENSI EKONOMI PONDOK PESANTREN BANGKA BELITUNG Ilyas, Rahmat; Hartono, Rudi; Bin Kamsani, Fazlur Rahman
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 2 (2023): Jurnal Asy Syar'iyyah Desember 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i2.3586

Islamic boarding schools, as the oldest traditional Islamic educational institutions, have grown organically and flourished among the Muslim community in Indonesia. One of the current challenges in the modern world is the economic aspect, an integral part of social life that is closely linked to the fulfillment of needs and desires. The economic potential of Islamic boarding schools lies in an economic system based on their strengths, where economic activities are conducted through self-sufficiency in managing any economic resources that can be utilized. This quantitative research aims to analyze the economic potential of Islamic boarding schools. Data collection methods involve questionnaires and direct observations. The research results indicate that 68% of the surveyed Islamic boarding schools have land available for business development, while 32% state that the existing land is limited for such purposes. Regarding financial aspects, out of the 34 surveyed boarding schools, 68% express a lack of funds or capital for business development, 23% have already secured funding, and 9% are uncertain. Pondok Pesantren sebagai sebuah lembaga pendidikan tradisional Islam paling tua yang tumbuh secara swadaya dan berkembang di kalangan masyarakat Islam di Indonesia. Salah satu tantangan dunia modern saat ini yaitu aspek ekonomi. Ekonomi secara mutlak tidak dapat dipisahkan dari kehidupan sosial karena berkaitan dengan pemenuhan kebutuhan dan keinginan. potensi ekonomi pondok pesantren adalah sistem ekonomi yang berbasis pada kekuatan ekonomi pondok pesantren, Dimana kegiatan ekonomi pondok pesantren adalah sebagai kegiatan ekonomi atau usaha yang dilakukan pondok pesantren kebanyakan yang dengan cara swadaya mengelola sumber daya ekonomi apa saja yang dapat diusahakan. Penelitian merupakan penelitian kuantitatif yang bertujuan untuk menganalisis potensi ekonomi pada pondok pesantren, metode pengumpulan data dilakukan melalui kuesioner dan observasi langsung. Hasil penelitian menunjukkan bahwa pondok pesantren yang diteliti menyatakan bahwa terdapat 68% pondok pesantren yang memiliki lahan untuk pengembangan usaha dan sebesar 32% menyatakan bahwa lahan yang ada sangat terbatas untuk pengembangan usaha pondok pesantren. Sedangkan kalau dilihat dari aspek permodalan diketahui bahwa dari 34 pondok pesantren yang di teliti terdapat 68% yang menyatakan bahwa pondok pesantren belum memiliki dana atau modal yang akan digunakan untuk pengembangan usaha pada pondok pesantren, sedangkan yang sudah menyatakan ada sebesar 23% dan yang ragu-ragu sebesar 9%.

Effectiveness of Warehouse Receipt Management in Increasing Sharia Banking Access for Pepper Farming Communities Ilyas, Rahmat; Iskandar, Iskandar
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 12 No. 2 (2023): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v12i2.2312

Pepper is one of the leading commodities in the plantation sub-sector and has great potential for Indonesia's economic growth. Indonesia is known as one of the world's main producers of pepper, especially black pepper which comes from Lampung Province and white pepper which comes from the Bangka Belitung Islands Province. Nationally, the Bangka Belitung Islands province is the province with the largest pepper income in Indonesia. Over time, efforts have emerged from the government to overcome the problem of fluctuating pepper prices resulting in low prices at the farmer level by implementing the Warehouse Receipt System (SRG). This research tries to examine how the management of pepper warehouse receipts in Bangka Belitung is related to WRS which is currently developing. The objects of this research are warehouse receipts. The results of this research indicate that the management of the Warehouse Receipt System in Bangka Belitung in general has not been implemented optimally, this can be seen from the public's lack of understanding about warehouse receipts, as well as the small number of pepper farming communities who use warehouse receipts as temporary storage, as for the obstacles faced by warehouse receipt managers, including the lack of information and outreach to pepper farmers about warehouse receipts themselves. Banking access for pepper farming communities in Bangka Belitung is quite good, because in its implementation sharia banks in Bangka Belitung can provide financing using warehouse receipts as collateral.

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