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THE CONCEPT OF iB HASANAH CARD UTILIZATION IN BNI SYARIAH Eko Nur Cahyo
Ijtihad Vol. 8 No. 2 (2014)
Publisher : Universitas Darussalam Gontor

Seiring berjalannya waktu kegiatan perekonomian di dunia mengalami peningkatan yang sangat tajam, kegiatan bisnis semakin lama semakin berkembang di segala sektor hal ini menyebabkan perputaran arus uang yang cepat di masyarakat. Penggunaan sistem pembayaran dengan uang dalam jumlah besar dirasakan kurang efektif dan efesien serta menimbulkan banyak resiko maka, manusia pun mencari alternatif lain untuk bisa mengimbangi laju pertumbuhan ekonomi yang tinggi.Akhirnya, lahir kartu plastik yang lebih dikenal dengan kartu kredit menggantikan fungsi uang sebagai alat pembayaran. Penggunaan kartu kredit yang dirasa lebih aman dan praktis dengan berbagai fungsinya yang semakin bertambah, menjadikan alat bayar baru ini semakin berkembang pesat, khususnya di perkotaan yang terdapat banyak tempat publik lainnya. Sebagaimana alat pembayaran modern, maka cukup dengan “menggesek” kartu untuk mendebit nilai transaksi yang diinginkan.Namun, dalam penggunaan kartu kredit Syariah tesebut masih menyisakan banyak masalah khususnya bagi kaum muslim yang belum memahaminya tentang mekanisme akad yang digunakan yaitu; kafalah, qard, wal ijarah, serta penggunaan tiga akad inipun dalam kartu kredit Syariah menimbulkan banyak masalah yang berkenaan dengan fiqh Islam.Oleh karena itu, peneliti ingin meneliti, menjelaskan dan menggambarkan konsep penggunaan iB Hasanah Card yaitu kartu kredit Syariah yang diterbitkan dari BNI Syariah, dengan adanya penelitian ini diharapkan dapat memperjelas konsep penggunaan kartu kresit Syariah khususnya yang ada di Indonesia.

مكافحة الفساد الماليي في الفكر الإقتصادي الإسلامي Eko Nur cahyo Usamah Abdurrahman
Ijtihad Vol. 11 No. 2 (2017)
Publisher : Universitas Darussalam Gontor

Korupsi merupakan salah satu tantangan terbesar yang dihadapi oleh seluruh bangsa di dunia. Hal tersebut terlepas dari dampak keberadaanya yang amatlah merusak tatanan social kemasyarakatan di berbagai level. Dalam aspek ekonomi, korupsi terbukti menghambat setiap usaha pembangunan bahkan menghancurkan perekonomian Negara. Dewasa ini, perehatian terhadap kejaahatan luar biasa (extraordinary crime) ini meningkat dengan pesat seiring dengan semakin tinggi kesadaran akan kerugian yang ditimbulkannya. Berbagai kajian pun dilakukan untuk mencari strategi yang paling efektif untuk memberantasnya, terutama oleh ilmuwan barat. Penelitian ini merupakan studi pustaka (library research) dengan teknik analisa deskriptif )descriptive method) untuk mengkaji pemnikiran ekonomi para ulama muslim. Kemudian dengan teknik deduktif (deductive method), dirumuskan langkah-langkah perlawanan terhadap korupsi dalam pandangan ekonomi Islam. Hasil dari penelitian terhadap pemikiran tiga ulama ekonomi yaitu Al-Mawardi, Al-Ghazali, dan Umer Chapra menunjukkkan bahwa untuk menekan perilaku koruptif diperlukan terpenuhinya enam prasyarat utama yaitu (1) agama yang kesejahteraannya terus menurus, (2) harapan yang tinggi, (3) keadilan yang menyeluruh, (4) kesejahteraan yang terus menerus, (5) keamanan public, dan (6) kekuasaan yang kuat. Adapun langkah-langkah yang seharusnya dilakukan oleh Negara ialah (1) Pendidikan ekonomi Islam (2) Penerapan Good Governance, (3) Pemberian sanksi yang setimpal pada pelaku korupsi harta, dan (4) pembentukan lembaga Negara khusus untuk melawan korupsi harta.

Analysis Of Zakat Role in Reducing Poverty Rate Eko Nur Cahyo
Ijtihad Vol. 9 No. 1 (2015)
Publisher : Universitas Darussalam Gontor

Kemiskinan merupakan masalah besar yang pasti dirasakan oleh seluruh bangsa termasuk Indonesia. Dan kota Ponorogo di Jawa Timur salah satu diantaranya, dengan tingkat kemiskinan yang tinggi. Lembaga Amil Zakat (LAZ) Ummat Sejahtera Ponorogo adalah lembaga non organisasi tertua yang bergerak dalambidang zakat, infaq dan shodaqoh di Ponorogo. Dengan pengalaman lebih dari 11 tahun, ditambah dengan jumlah muzakki yang terus meningkat seharusnya dapat memecahkan masalah kemiskinan di Ponorogo. Meski begitu,masih banyak kita jumpai pengemis menyusuri kota. Sebuah penelitian memaparkan bahwa peran zakat dalam mengurangi kemiskinan amatlah besar. Dan pemberdayaan LAZ Ummat Sejagtera dalam mengurangi kemiskinan menjadi menarik dikaji. Melalui penyebaran sample angket berjumlah 25 orang dan merupakan para mustahiq dana zakat dalam bentuk modal kerja. Indikator kemiskinan yang dipakai adalah sesuai dengan BPSm yaitu FGT Index yang mencakup Headcount Index (P0) yang menggambarkan persentase orang miskin dalam populasi yang diteliti, Peverty Gap Index (P1) yang menggambarkan posisi mustahiq terhadap garis kemiskinan, dan Poverty Severity Index (H2) yang menggambarkan tingkat ketimpangan pendapatan antar orang miskin dalam populasi tersebut. Ditambah dengan analisa menggunakan paires sample terst pada program SPSS untuk mengetahui perbedaan pendapat sebelum dan sesudah menikah mendapatkan bantuan dalam program pemberdayaan zakat oleh LAZ Ummat Sejahtera Ponorogo.

THE TRANSACTION OFDROPSHIPPING ON THE VIEWs OF ISLAMIC ECONOMICS LAW Eko Nur Cahyo
Ijtihad Vol. 13 No. 1 (2019): IJTIHAD : Hukum dan Ekonomi
Publisher : Universitas Darussalam Gontor

This study tries to analyzethe correct sellingand purchasing transactions whichcomply with law ofIslamiceconomic and compared with the dropshipping mechanismon online business. This study was found that thetransaction by using dropshipping mechanism afterreviewing from the aspect of pillarsofselling and purchasingaccording to syariah economic law had not fulfilled therequirements, specially in terms of ma’qud alaih (objector goods transacted) so it can be concluded through twoopinions, that is dropshipping which has prohibited was thepractice of selling and purchasing under the usual dropshipmechanism, and using a salam contract scheme, while theallowable dropshipping was a dropshipping mechanism which used an intermediary or samsarah scheme, and arepresentative or wakalah scheme.

THE APPLICATION OF STRICT LIABILITY ON CORPORATION OF FOREST AND LAND FIRES ON THE PERSPECTIVE OF ENVIRONMENTAL LAW AND FIQH AL-BIAH (An analysis of decision Number:456/Pdt.G-LH/2016/PN Jkt. Sel) Eko Nur Cahyo; Nizham Mahmudi Muttaqin
Ijtihad Vol. 13 No. 2 (2019)
Publisher : Universitas Darussalam Gontor

Problems related to environmental damage is a hottopic discussed today. Aside from being concerned with thebasic needs of all humanity, environmental degradationgoes hand in hand with economic and technologicaladvancements which are expected to lead to humanbenefit and prosperity. One of the efforts made to provideenvironmental protection is to adopt the application ofStrict Liability in Anglo Saxon countries in solving cases ofenvironmental damage caused by corporations. Accordingto the principle of strict liability, the claim is not basedon an element of error but is based on the impact of thedefendant’s actions. One example of a forest and landfire that was successfully decided based on Strict Liabilityis the decision number: 456 / Pdt.G-LH / 2016 / PNJkt Sel. On the other hand, environmental problems arealso closely related to spiritual issues. As a living solution,Islam provides views through Muslim scholars regardingenvironmental issues with the inception of the idea of Al-Biah Fiqh. The approach taken through Maqasid Syariah,by combining hifdz al-biah as a matter of dharuriyat. Thiswas supported by Mustafa Abu Sway and also Ali Yafie.The results of this study indicate a paradigm differencebetween the more reductionist environmental law and amore holistic environmental law. But even so, Strict Liabilitycan be adjusted with fiqh al-biah with several conditions

Manajemen Efektif Zakat dan Urgensi Zakat Melalui Lembaga Dalam Mengembangkan Perekonomian Nasional Eko Nur Cahyo
Ijtihad Vol. 6 No. 2 (2012)
Publisher : Universitas Darussalam Gontor

Pemberdayaan ekonomi ummat Islam melalui pelaksanaan ibadah zakat masih banyak menemui hambatan yang bersumber terutama dari kalangan ummat Islam itu sendiri. Kesadaran pelaksanaan zakat di kalangan ummat Islam masih belum diikuti dengan tingkat pemahaman yang memadai tentang ibadah yang satu ini, khususnya jika diperbandingkan dengan ibadah wajib lainnya seperti sholat dan puasa. Kurangnya pemahaman tentang jenis harta yang wajib zakat dan mekanisme pembayaran yang dituntunkan oleh syari’at Islam menyebabkan pelaksanaan ibadah zakat menjadi sangat tergantung pada masing-masing individu. Hal tersebut pada gilirannya mempengaruhi perkembangan institusi zakat, yang seharusnya memegang peranan penting dalam pembudayaan ibadah zakat secara kolektif agar pelaksanaan ibadah hart aini menjadi lebih efektif dan efisien.

Parameter Pengembangan Produk-Produk Perbankan Syariah Dengan Pendekatan Maqasid Syariah (Studi Kasus di Perbankan Syariah Kabupaten Ponorogo) Ahmad Muqorobin; Eko Nur Cahyo
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

Currently, the development and growth of Islamic banking show a positive trend that increases every year. This encourages Islamic banks to produce innovative products which customer needs. However, the methods used to develop products differ from one country and another. For Indonesia, one parameter is needed to harmonize all product developments produced by Indonesian Islamic banking. The purpose of this study is to explore the challenges of current Islamic banking in producing products and make a parameter as a reference for developing Islamic banking products with the Maqāsid Sharia approach for the realization of maslahah. To achieve this study using several methods such as interviews, content and descriptive analysis. The results of this study are the parameters that have been applied with the development product in Islamic banking Ponorogo citywith the Maqāsid Sharia approach. A product can produce maslahah if the five elements in Maqāsid shari’a are achieved, namely; (1) Preservation of religion by the basis of the product offered is based on the Al-Qur'an, Sunnah, and DSN-MUI, (2) Preservation of life, it is manifested by the service and supply to customers in accordance with Islamic ethics, (3) Preservation of intellect, with a form of banking business to explain in detail related to products offered to customers in a clear, (4) Preservation of wealth, it is realized with the management of property management client in Islam, (5) Preservation of progeny, by applying the four things previously, to guarantee halal and affect the sustainability of living for the family and the children of clients.

AMNESTI PAJAK TERHADAP KEPATUHAN PAJAK KENDARAAN DI PROVINSI JAWA TIMUR MENURUT KEBIJAKAN FISKAL ISLAM Mujibur Rahman; Eko Nur Cahyo
Ijtihad Vol. 17 No. 1 (2023): Ijtihad: Jurnal Hukum dan Ekonomi Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/ijtihad.v17i1.9194

*English*Tax amnesty is a breakthrough or step programmed by the East Java government, especially to provide relief to taxpayers who have dependents or fines for late payment of annual taxes. So that with the help of the tax amnesty program, people who have arrears of tax sanctions will be removed, so they are only required to pay the basic tax. Based on a program run by a researcher, this aims to find out whether taxpayers, especially transportation taxes, are eligible to launch an amnesty program or abolish tax sanctions. The method used in this study is qualitative descriptive research (literature review) by accessing various literary sources regarding the tax amnesty program in East Java. Based on the results of literature studies, it can be seen that with the tax amnesty or tax exemption program, there is an increase in the amount of tax payments from taxpayers who previously had dependents on tax penalties. As of October 2022, the number of motorized vehicles in East Java reached 24.1 million units, according to data from the National Police Corps. As a result, this number is the highest among other provinces in Indonesia. Thus, with the enactment of the tax amnesty in East Java, this program is said to have succeeded in contributing to the addition of PKB objects from vehicles outside the province to 11,091, of which 11,091 can cost IDR 22.79 billion. *Indonesia*Pengampunan pajak merupakan terobosan atau langkah yang diprogramkan oleh pemerintah Jawa Timur, khususnya untuk memberikan keuntungan kepada wajib pajak yang memiliki tanggungan atau denda atas keterlambatan pembayaran pajak tahunan. Sehingga dengan adanya program amnesti pajak, masyarakat yang memiliki tanggungan yang memiliki tunggakan sanksi pajak akan dihapus sanksinya sehingga hanya perlu membayar pajak pokok saja. Berdasarkan program yang dilakukan oleh peneliti bertujuan untuk mengetahui persetujuan wajib pajak khususnya pajak kendaraan terhadap pencanangan program amnesti atau penghapusan sanksi perpajakan tersebut. Metode yang digunakan dalam penelitian inimerupakan penelitian deskriptif kualitatif (literature review) dengan mengakses berbagai sumber literatur tentang program tax amnesty di Jawa Timur. Penelitian ini bertujuan untuk mengetahui kepatuhan wajib pajak pada Pemerintah Provinsi Jawa Timur. Berdasarkan hasil studi literatur terlihat bahwa dengan adanya program tax amnesty atau pembebasan pajak, terjadi peningkatan jumlah pembayaran pajak dari wajib pajak yang sebelumnya memiliki tanggungan dengan sanksi perpajakan. menurut Korlantas Polri per Oktober 2022, jumlah kendaraan bermotor di Jawa Timur mencapai 24,1 juta unit. Alhasil, jumlah tersebut merupakan yang tertinggi di antara provinsi lain di Indonesia. Demikian, dengan berakhirnya tax amnesty di Jatim, program ini disebut-sebut.

Trading Digitalization: Legal Awareness in the Disruption Era Anindya Aryu Inayati; Noorma Fitriana M. Zain; Nur Afifah; Eko Nur Cahyo
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 11 No 1 (2023): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v11i1.6519

The digitalization of trading is developing rapidly, but legal awareness has not been well developed. Although digital trading is fairly new in the world of economics in this country, it has been able to attract the attention of many people, especially business people, to become traders. Digital trading refers to trading activities using applications on smartphones or trading software commonly called trading robots. But unfortunately, the rise of digital trading activities is not accompanied by regulations that guarantee the safety of novice traders. Together with the inhabitants of Pekalongan's ignorance of the rules and laws pertaining to trading activities on the capital market. The purpose of this study is to examine the factors that prevent Pekalongan citizens from being aware of the legal implications of digital trading and know the implications of the lack of legal awareness of the people of Pekalongan regarding digital trading. This study employs both statutory and conceptual approaches and is grounded in empirical legal research. Techniques for descriptive qualitative data analysis. The population of Pekalongan served as the sample for this study, which used a random sampling technique. The findings of this study indicate that low literacy rates and a lack of interest in commodities trade are the main causes of the lack of legal awareness among Pekalongan residents (trading). The consequences of the people of Pekalongan's lack of legal awareness with regard to digital trading are: 1) They lack legal protection in transactions involving digital trading, and 2) They are vulnerable to fraud and losses in such transactions.

Trading Digitalization: Legal Awareness in the Disruption Era Anindya Aryu Inayati; Noorma Fitriana M. Zain; Nur Afifah; Eko Nur Cahyo
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 11 No 1 (2023): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v11i1.6519

The digitalization of trading is developing rapidly, but legal awareness has not been well developed. Although digital trading is fairly new in the world of economics in this country, it has been able to attract the attention of many people, especially business people, to become traders. Digital trading refers to trading activities using applications on smartphones or trading software commonly called trading robots. But unfortunately, the rise of digital trading activities is not accompanied by regulations that guarantee the safety of novice traders. Together with the inhabitants of Pekalongan's ignorance of the rules and laws pertaining to trading activities on the capital market. The purpose of this study is to examine the factors that prevent Pekalongan citizens from being aware of the legal implications of digital trading and know the implications of the lack of legal awareness of the people of Pekalongan regarding digital trading. This study employs both statutory and conceptual approaches and is grounded in empirical legal research. Techniques for descriptive qualitative data analysis. The population of Pekalongan served as the sample for this study, which used a random sampling technique. The findings of this study indicate that low literacy rates and a lack of interest in commodities trade are the main causes of the lack of legal awareness among Pekalongan residents (trading). The consequences of the people of Pekalongan's lack of legal awareness with regard to digital trading are: 1) They lack legal protection in transactions involving digital trading, and 2) They are vulnerable to fraud and losses in such transactions.

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