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All Journal Ahkam: Jurnal Ilmu Syariah Jurnal Asy-Syari'ah Al-Mustashfa Journal of Islamic Economic Laws Journal of Economicate Studies Rayah Al Islam : Jurnal Ilmu Islam Jurnal Hukum Ekonomi Syariah AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy Al-Muamalat : Jurnal Ekonomi Syariah el-Jizya: Jurnal Ekonomi Islam IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Sofian Al Hakim, Sofian
UIN Sunan Gunung Djati Bandung
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Accelerated Repayment of Murabahah Agreement in Sharia Banking Susandi, Adi; Al Hakim, Sofian
Journal of Economicate Studies Vol. 4 No. 2 (2020): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v4i2.663

Abstract

Banking growth in Indonesia has started to improve, as seen in the financing conducted by sharia banks as well as credit in conventional banks. In the midst of the current crisis, Sharia banking continues to face a very rapid development in the muslim-majority community. Sharia banking is the performance of the Sharia industry in Indonesia where its role has been recognized legally and able to compete with conventional banking. The impact of it all will bring about competition that allows for accelerated repayment especially in terms oftakeovers. This study aims to analyze how financing practices, especially murabahah agreements in sharia banks and if there is a settlement in the accelerated then reviewed with the study of fiqhnya and in ju paired with what happens in conventional banks. This qualitaf research by means of ( Descriptive Analytics) where information is collected using a very in-depth interview method and literature, after that in the analysis until finding conclusions. This study provides the result that murabahah contract financing and repayment in accelerated both in sharia and conventional banking has been in accordance with the requirements and regulations in force, but still needed will be government intervention in the manufacture of regulations to create a more ethical competitive climate, especially that can result in accelerated repayment so that often takeover financing or credit from sharia banks to conventional and vice versa. The implications of this study to share knowledge to the public who still lack understanding between financing, especially murabahah agreement and repayment in accelerated that occurs in Sharia banking. So it is expected to provide in-depth guidance as knowledge to make decisions between sharia or conventional banks in an effort to meet the needs of financing.
Law of Usury (RIBA) According to Masyarakat Tanpa Riba (MTR): Perceptions, Attitudes, and Movements Sofian Al-Hakim; Doli Witro; Muhamad Izazi Nurjaman
Asy-Syari'ah Vol. 26 No. 1 (2024): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v26i1.29639

Abstract

After the merger, three banks under State-Owned Enterprises (BUMN), namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, became Bank Syariah Indonesia (BSI), opening opportunities for the development of Islamic financial institutions in Indonesia. However, according to the Masyarakat Tanpa Riba (Society Without Riba) (MTR), Islamic banks are not much different from conventional banks (BK). Therefore, the focus of this article is the law of usury in the view of the MTR, which is seen in three aspects, namely, the perception, attitude, and movement of the MTR. This paper aims to determine the law of usury from the view of the MTR. This article uses a qualitative research method, which is field research. Data collection techniques used are observation, interviews, and documents. The data analysis technique in this paper uses data condensation, data presentation, and conclusion. The study results show that the MTR is an anti-usury community. MTR can be categorised as a textualist and rigid group (mutasyadidun). The rigid MTR method often implies that Islamic economic development is static and monolithic. The existence of the MTR will be productive if it is read not as a threat but as an auto-criticism against Sharia financial practices that are not yet perfect, highlighting the potential impact of the MTR's perspective on Islamic financial practices.
POSITION OF THE QUR’AN MEMORY AS A PRICE PAYMENT MEDIA IN BUY AND SELL Muhamad Izazi Nurjaman; Sofian Al-Hakim; Didah Durrotun Naafisah; Doli Witro
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 8 No. 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.13411

Abstract

AbstractThis research intends to describe a theme regarding the view of sharia economic law on the media of payment for buying and selling prices using the memorization of the Al-Qur’an. Using descriptive research (case study) through the method of collecting information in the form of interviews and documentation. This research found the fact that the view of sharia economic law equates or qiyas between the media of paying prices using the memorization of the Al-Qur’an with the dowry in the marriage contract. Giving a dowry is allowed to memorize the Al-Qur’an with the provision that it is mandatory to teach the Qur’an, as well as the practice of buying and selling. So that there is a wage in the form of benefits. Meanwhile, benefits include assets. So between the dowry and the price of both is something that has qimah madiyyah (property value). Indirectly, the buyer pays the price using the ujrah of the teaching. So that the harmony of buying and selling has been fulfilled properly and non-material benefits will lead to a business concept full of blessings.Keywords: Buy and Sell; Price; Wedding; Dowry; Memorizing Al-Quran.
Studi Historis Kebijakan Fiskal Dalam Islam Pada Era Turki Utsmani (Dinamika Kebijakan Fiskal Kekaisaran Ottoman: Era Kejayaan dan Kemunduran) Fadillah Mursid; Yadi Janwari; Sofian Al-Hakim
el-Jizya: Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.12338

Abstract

ABSTRACT Ottoman Empire, as an Islamic state that reigned for almost 7 centuries, certainly has a long history of managing state revenues and expenditures to maintain economic stability or what is called fiscal policy. This research discusses the history of fiscal policy in Islam during the Ottoman era. This type of research is library research with a historical approach; research material processing techniques are carried out through heuristic, verification, interpretation, and historiography stages. This research shows that the history of Islamic fiscal policy during the Ottoman era can be seen in the glory and decline phases. The phase of progress where fiscally, Ottoman Turkey's income experienced a surplus originating from ghanimah, taxes, tīmār, muḳāṭa'a, and endowments. This income was used to finance war logistics during the period of expansion and development of infrastructure, economy, education, and health. After this glorious phase, Ottoman Turkey began to experience a phase of decline due to many factors, one of which was fiscal policy, which experienced a deficit. This was due to fiscal mismanagement in state financing during the war, the westernization of the Ottoman Turkish economy, and foreign debt. Keywords: History, Policy, Fiscal, Turki Utsmani ABSTRAK Turki Utsmani sebagai salah satu daulah Islamiyah yang bertahta hampir 7 abad lamanya tentu memiliki sejarah panjang dalam pengelolaan pendapatan dan pengeluaran negara guna menjaga stabilitas ekonomi atau disebut kebijakan fiskal. Penelitian ini membahas bagaimana sejarah kebijakan fiskal dalam Islam pada masa Turki Utsmani. Penelitian ini adalah penelitian pustaka dengan pendekatan sejarah, teknik pengolahan bahan penelitian dilakukan melalui tahapan heuristik, verifikasi, interpretasi, dan historiografi. Hasil penelitian ini adalah bahwa sejarah kebijakan fiskal Islam pada masa Turki Utsmani dapat dilihat dalam dua fase, yaitu fase kejayaan dan fase kemunduran. Fase kemajuan dimana secara fiskal pendapatan Turki Utsmani mengalami surplus yang berasal dari ghanimah, pajak, tīmār, muḳāṭa’a dan perwakafan dan pendapatan itu dipergunakan untuk pembiayaan logistik perang selama masa perluasan dan pembangunan infrastruktur, perekonomian, pendidikan dan kesehatan. Setelah fase kejayaan tersebut, Turki Utsmani mulai mengalami fase kemunduran karena banyak faktor, salah satunya adalah karena kebijakan fiskal yang mengalami defisit. Hal ini disebabkan kesalahan pengelolaan fiskal dalam pembiayaan negara selama perang, westernisasi ekonomi Turki Utsmani, dan hutang luar negeri. Kata Kunci: Sejarah, Kebijaka, Fiskal, Turki Utsmani
The Urgency of Dinar and Dirham as a Usury-Free and Maysir-Free Currency Solution Muhammad Yunus; Yadi Janwari; Sofian Al-Hakim
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.2.23555

Abstract

Money has an important role in human life, especially in economic activities. The history of money starts from the barter system to the use of gold and silver as a medium of exchange. In the Islamic perspective, money is seen as a medium of exchange and a measure of value, not as a commodity. Islam prohibits practices such as usury, gambling, and speculation that can cause injustice in the distribution of wealth. Islamic principles in terms of money include accountability, justice, simplicity, and the prohibition of the accumulation of wealth. Some people view the Dinar and Dirham currencies are Islamic currencies, so they forbid paper currency or fiat money from being used because the nominal value does not match the intrinsic value, unlike Dinar and Dirham currencies. The method of this research is qualitative research in the form of library research. The result of the discussion of this article is that the dinar and dirham currencies did not originate from Islam but from the Romans and Persians. There are 3 functions of money in Islam, namely: money as a means of unit price, money as a medium of exchange, and Money as a storage medium of value. Thus, the Islamic perspective on money aims to create a fair economic and financial system for all mankind. Keywords: Money; Dinar; Dirham
Konsep Akad Tabarru dalam Bentuk Menjaminkan Diri dan Memberikan Sesuatu Haris Maiza Putra; Sofian Al-Hakim; Ending Solehudin; Nanang Naisabur
Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2022): April
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v5i1.12141

Abstract

Akad tabarru dalam bentuk memberikan sesuatu atau menjaminkan sesuatu adalah akad yang tujuannya untuk tolong menolong antar sesama. Akad tabarru ini bertujuan mencari keuntungan akhirat, bukan untuk keperluan komersil seperti akad tijarah. Akan tetapi dalam perkembangannya akad ini sering berkaitan dengan kegiatan transaksi komersil, karena akad tabarru ini bisa berfungsi sebagai perantara yang menjembatani dan memperlancar akad tijarah, sehingga terjadi banyak perbedaan persepsi tentang akad tabarru yang di komersilkan. Tujuan dari penelitian ini adalah untuk memaparkan konsep akad tabarru dalam bentuk menjaminkan diri dan memberikan sesuatu. Jenis penelitian ini adalah penelitian kepustakaan, penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif, Teknik pengumpulan data dalam penelitian ini adalah dengan dokumentasi, yaitu mencari data mengenai hal-hal atau variabel yang berhubungan dengan akad tabarru dari sumber buku, artikel, jurnal dan laporan penelitian, dan teknik analisis data menggunakan metode analisis data. Hasil penelitian menunjukkan bahwa akad tabarru dalam hal menjaminkan diri dalam praktik kafalah dan wakalah telah tumbuh berkembang di Indonesia, perlu adanya kehati-hatian dalam melakukan akad kafalah mengenai rukun dan syaratnya, karena praktik kafalah kontemporer sudah berkembang pesat dengan berbagai bentuk dan jenisnya. Terkait akad tabarru dalam hal memberikan sesuatu dalam praktik hibah, hadiah, wakaf, zakat, infak dan shadaqah tidak ada perdebatan ulama mazhab akan ketidakbolehannya, yang dibutuhkan di Indonesia adalah kesadaran masyarakat untuk melakukannya. Implikasi dari penelitian ini adalah semua pihak diharapkan berhati-hati dalam melakukan akad tabarru, jangan sampai mengambil keuntungan dari akad tabarru yang tujuannya adalah untuk tolong menolong antar sesama.
Kebijakan Fiskal di Indonesia: Analisis Hukum Keadilan Ekonomi dan Implikasi bagi Pembangunan Berkelanjutan Jefik Zulfikar Hafizd; Yadi Janwari; Sofian Al-Hakim
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 3 No. 2 (2024): Volume 3 Nomor 2 Tahun 2024
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v3i2.58

Abstract

Kebijakan fiskal merupakan instrumen vital dalam mencapai stabilitas ekonomi dan kesejahteraan sosial. Kebijakan ini tidak hanya mengatur penerimaan dan pengeluaran negara, tetapi juga mempengaruhi pembangunan ekonomi melalui pengelolaan anggaran secara efektif. Penelitian ini bertujuan untuk menganalisis dimensi konseptual, filosofis, dan hukum dalam pengaturan kebijakan fiskal di Indonesia, dengan fokus pada elemen dasar yang mendukung pengambilan keputusan kebijakan fiskal yang efektif. Metode yang digunakan adalah pendekatan deskriptif-analitis, mengkaji literatur dan studi kasus terkait kebijakan fiskal dari perspektif historis dan teoretis. Hasil penelitian menunjukkan bahwa kebijakan fiskal yang tepat memainkan peran kunci dalam menjaga keseimbangan antara pendapatan dan pengeluaran negara, serta berperan penting dalam redistribusi kesejahteraan. Dari perspektif filosofis, kebijakan ini mencerminkan nilai keadilan sosial dan kesejahteraan, sedangkan dari perspektif hukum, kebijakan fiskal diatur oleh berbagai regulasi seperti Undang-Undang Dasar 1945, UU APBN, dan UU Pajak, yang memastikan bahwa penerimaan dan pengeluaran negara dikelola secara transparan dan akuntabel. Kesimpulan penelitian ini adalah bahwa pengaturan kebijakan fiskal yang berbasis pada prinsip keadilan dan efisiensi dapat mendorong pertumbuhan ekonomi yang inklusif, meningkatkan kesejahteraan masyarakat, serta berperan dalam pembangunan ekonomi jangka panjang.
Analisis Uang, Bank dan Kebijakan Moneter Ustad Adil; Yadi Janwari; Sofian Al-Hakim
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 4 No. 2 (2025): Volume 4 Nomor 2 Tahun 2025
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v4i2.110

Abstract

This research aims to analyze the concepts of money, banking and monetary policy from an Islamic perspective, which is based on the principles of justice and the prohibition of usury. The main focus is how the Islamic financial system contributes to economic stability. The research method used is a qualitative approach by reviewing literature or sources related to the research. The results of this research show that an Islamic monetary system that is free of usury and speculation has the potential to create more sustainable economic stability, as well as the role of Islamic banks in supporting fair monetary policy. These results indicate that Islamic monetary policy is capable of contributing to global financial stability if it is effectively integrated into the modern economic system, although implementation challenges remain.
Reconstructing Productive Rahn Tasjily Financing with Wakalah Tabarru’: A Maqasid-Based Approach for Agricultural Risk Mitigation in Islamic Microfinance Nur Irmandi; Cucu Susilawati; Sofian Al Hakim; Syamsurijal Syamsurijal; Elpha Senia Agustina
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Volume 5 Nomor 1 Tahun 2026
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v5i1.214

Abstract

The agricultural sector faces a financing paradox: farmers possess high-value assets (land) that are illiquid under conventional collateral schemes, leading to financial exclusion. Previous studies on Rahn Tasjily primarily focus on legal permissibility and collateral flexibility, yet they often neglect the integration of social contracts as a risk mitigation mechanism for high-risk agricultural financing. This study aims to fill this gap by proposing a hybrid financing model that integrates commercial contracts (Rahn Tasjily, Qardh, Ijarah) with a social contract (Wakalah Tabarru’). Using a qualitative-conceptual approach with a Maqasid al-Shari’ah framework, this study constructs a model where Baitut Tamwil provides liquidity while Baitul Maal acts as a risk mitigator through technical assistance. The results demonstrate that this hybrid model resolves the liquidity trap for farmers without asset dispossession and mitigates default risk through structured tabarru’-based supervision. This study contributes to the literature on Islamic microfinance by offering a concrete model of synergy between commercial and social functions in BMT operations.
Co-Authors Ahmad Lukman Nugraha Antoni Julian Apriani, Triana Azazy, Yusup Didah Durrotun Naafisah Doli Witro Elpha Senia Agustina Ending Solehudin Fadhlya Hidayatunnisa, Nurul Fitriansyah, Helmi Gunariah, Frilla Indah Lestari Kusuma iwan setiawan Jefik Zulfikar Hafizd Jubaedah, Dedah Mohamad Anton Athoillah Mohammad Sar'an Mualimin Mochammad Sahid Muhamad Izazi Nurjaman Muhammad Yunus mursid, fadillah Naafisah, Didah Durrotun Naisabur, Nanang Nur Irmandi Putra, Haris Maiza Rukmini, Neng Vivie Nurfauziah Susandi, Adi Susilawati, Cucu Syamsurijal Syamsurijal Ustad Adil Witro, Doli Yadi Janwari