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Provisions of Public Housing Savings Policy Based on Public Welfare According to Sharia Economic Law Saifuddin, Muhammad Azhar; Yasin, Achmad
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v3i2.4167

Abstract

Abstract: This study was conducted to measure the extent of the implementation of the People's Housing Savings (Tapera) policy by referring to Law No. 4 of 2016 and PP Tapera No. 25 of 2020 which will be combined using the principles of Sharia Economic Law. This program is an alternative solution to provide access to ownership of livable housing; with affordable housing prices for low and middle income groups. This study focuses on the suitability of the Tapera Program with the principles of Sharia Economic Law in terms of welfare. The research method used is an empirical-qualitative method with a case approach with a study of literature available from various financing platforms. The results show that Tapera is a solution to improve people's welfare by providing fulfillment of basic community needs, and easy financing using sharia principles. This study provides recommendations on adjusting the contract to support an effective program of the Tapera policy from the aspect of reporting and supervision that is more structured, transparent and accountable in order to fulfill public trust.
Evaluation of Mustahik Welfare Achievement: A Case Study of BAZNAS Mojokerto Regency from the Perspective of Maqashid Sharia Nurillah, Shinta Lintang; Herianingrum, Sri; Yasin, Ach; Suryaningsih, Sri Abidah; Indrarini, Rachma; Timur, Yan Putra
Journal of Economics, Business, and Government Challenges Vol. 7 No. 02 (2024): Journal of Economics, Business, and Government Challenges [JoEBGC]
Publisher : Faculty of Economics and Bussiness, UPN "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/ebgc.v7i02.1534

Abstract

This study aims to evaluate the welfare of mustahik through the BAZNAS program in Mojokerto Regency from the perspective of Maqashid Sharia, and to examine the role of BAZNAS Mojokerto Regency in greater depth. The research employs a qualitative approach with a case study method. Observations, interviews, document analysis, annual reports, and literature reviews were conducted to validate the implementation of the BAZNAS program in Mojokerto Regency. The results show that BAZNAS Mojokerto Regency has made significant efforts in distributing zakat funds for the welfare of the community. However, there are several challenges related to the efficiency of fund management and distribution, which affect the optimal achievement of Maqashid Sharia goals. This study provides recommendations for more transparent and efficient zakat management, as well as enhanced coordination among stakeholders to achieve better community welfare outcomes. This research offers a new perspective in evaluating community welfare achievement through the Maqashid Sharia criteria in the BAZNAS Mojokerto Regency program.
Volatility Analysis of the Indonesia Sharia Stock Index (ISSI) Technology Sector Period 2019 – 2023 Bimantoro, Surya Ageng; Yasin, Ach
Formosa Journal of Applied Sciences Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v4i1.13202

Abstract

The Indonesian capital market faced significant challenges during the COVID-19 pandemic, which caused stock price volatility across various sectors, both in the conventional and sharia capital markets, particularly in the technology sector (ISSI). This study uses a descriptive quantitative approach, employing purposive sampling to analyze secondary data obtained from Yahoo Finance to explore technology stocks consistently listed from 2019 to 2023 on the ISSI, focusing on daily closing prices, volatility, and utilizing ARCH/GARCH modeling in EViews 10. Descriptive analysis reveals significant stock price fluctuations. The research results indicate that there are variations in the volatility levels of technology sector stocks on the Indonesia Sharia Stock Index from January 1, 2019, to December 29, 2023. Stocks ranked by volatility from highest to lowest are MCAS, MLPT, KIOS, NFCX, and DIVA, with volatility analysis using the GARCH model.
MODAL EKONOMI DAN MODAL SOSIAL DALAM PENGELOLAAN WAKAF: : PENDEKATAN PIERRE BOURDIEU Rusida, Desy Khoirur; Yasin, Achmad; Mustofa, Imron
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2024): Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v5i2.5071

Abstract

Waqf has great potential to strengthen society through the distribution in an Islamic economy and the productive use of resources. Waqf is an instrument in the Islamic economy which has a significant role in the social and economic development of the people. Waqf is a gift of assets that cannot be sold, inherited or transferred ownership, which are used for the good and welfare of the community. Pierre Bourdieu is a French sociologist known for his contributions to social and cultural theory. His thinking has been very influential in various fields, including sociology, anthropology, and cultural studies. Several key concepts developed by Bourdieu include habitus, social, cultural and economic capital, and arena (field). This research analyzes the interaction between economic capital and social capital in waqf management. This research uses a qualitative methodology with a case study approach in several law enforcement agencies in Indonesia. Data collection used interviews conducted with great consideration, data analysis was carried out by applying Bourdieu's economic and social theory to identify individual behavior for each modality in Bourdieu's time management. The results of the analysis of Economic Capital and Social Capital in Waqf Management using Pierre Bourdieu's approach can include several important findings and contributions. This analysis provides a more comprehensive understanding of the complexity of waqf management, by considering the interaction between economic capital and social capital. This makes it possible to look beyond just economic or social aspects. Using Pierre Bourdieu's approach, these results illustrate the application of social theory in the context of waqf management. This shows that social theories can provide a deep understanding of the structural dynamics and interactions in Muslim societies. This conclusion has practical implications for waqf management, by providing insight into how economic and social capital influences waqf management practices. This can help waqf managers and policy makers to design more effective strategies. This analysis also contributes to the literature on waqf management, by providing a new and comprehensive perspective, these results can help in empowering communities to optimize the benefits of their waqf, as well as strengthening shared prosperity.
Kelayakan Novel Yang Telah Lama Pergi karya Tere Liye sebagai bahan bacaan dan penguatan profil pelajar Pancasila Yasin, Achmad
Humantech : Jurnal Ilmiah Multidisiplin Indonesia Vol. 4 No. 2 (2025): Humantech : Jurnal Ilmiah Multidisiplin Indonesia
Publisher : Program Studi Akuntansi IKOPIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ht.v4i2.5208

Abstract

Siswa sering kesulitan menemukan bahan bacaan yang sesuai un-tuk mendukung literasi, sejalan dengan Kurikulum Merdeka ber-basis Profil Pelajar Pancasila yang memiliki enam dimensi karakter. Penelitian ini bertujuan menilai kelayakan novel Yang Telah Lama Pergi karya Tere Liye sebagai bahan bacaan yang menguatkan nilai-nilai tersebut. Penelitian ini merupakan penelitian kepustakaan se-hingga tidak terikat dengan tempat. Metode penelitian menggunakan deskriptif kualitatif dengan teknik pengumpulan data studi dokumen. Penelitian ini menganalisis 42 kutipan dalam novel yang mencerminkan dimensi Profil Pelajar Pancasila: beriman dan berakhlak mulia (7 kutipan), berkebhinekaan global (5), gotong royong (10), mandiri (5), bernalar kritis (7), dan kreatif (8). Data dikumpulkan melalui studi kepustakaan dan diuji dengan teknik ketekunan. Hasil penelitian menunjukkan bahwa novel ini menc-erminkan nilai-nilai Profil Pelajar Pancasila, sehingga layak dijadi-kan bahan bacaan literasi untuk memperkuat karakter siswa.
ANALISIS DAMPAK ZAKAT PRODUKTIF TERHADAP KESEJAHTERAAN MUSTAHIK DENGAN PENDEKATAN CIBEST Ach Yasin; Santi Ariyani
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 1 (2022)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v5i1.2481

Abstract

Productive zakat is one of distribution of aid that has two dimensions, the economic and spiritual dimensions. The effectivity of productive zakat economically and spiritually can be measured through the calculation of the CIBEST index (Center for Islamic Business and Economic Studies). This study aims to analyze the impact of zakat on the mustahiq’ household income, mustahiq’s spiritual and household conditions with Quadrant CIBEST before and after receiving zakat assistance from empowerment and utilization programs Laznas Inisiatif Zakat Indonesia East Java Representative. The study used a descriptive quantitative research method with 11 mustahiq households as the respondents. The instrument used was the Center for Islamic Business and Economic Studies (CIBEST). The study results showed that the distribution of productive zakat funds could improve the welfare of the mustahiq households by 9% and minimize material poverty by 9%.
Application of Ujrah Discounts on Pawn Products at BSI Kc Bojonegoro According To Sharia Economic Law Al Baqiyyatus Sholihah, Milda; Yasin, Achmad
Al-Hiwalah: Journal of Sharia Economic Law Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v4i1.4971

Abstract

This research focuses on the application of ujrah discounts in pawn products implemented by Bank Syariah Indonesia (BSI) Bojonegoro Branch Office and analyzes its conformity with the principles of Sharia Economic Law. Sharia pawning, as one of the superior products of sharia banking, involves a contract between the bank and the customer where the customer hands over goods as collateral for the loan provided by the bank. In this agreement, the bank charges an ujrah fee in exchange for storage and maintenance services for collateral. However, with increasingly tight competition between sharia financial institutions, BSI KC Bojonegoro developed a marketing strategy in the form of providing discounts on ujrah fees applied. The research method used is qualitative-descriptive with data collection techniques through interviews, observation and documentation. The research results show that providing ujrah discounts at BSI KC Bojonegoro is carried out as a marketing strategy to attract customers and increase competitiveness. From the perspective of Sharia Economic Law, the application of this discount is considered in accordance with sharia principles as long as it does not violate the terms of the contract and transparency is maintained.
Analysis of Translation Shift in Reclaim Your Heart (English-Indonesian Translation) Frihatmawati, Rizky; Dhini, Ulfa Rahma; Rentiana, Leny Hikmah; Yasin, Achmad
EXCELLENCE: Journal of English and English Education Vol 5 No 1 (2025): EXCELLENCE
Publisher : English Education Study Program FKIP Universitas Alwashliyah Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47662/ejeee.v5i1.1148

Abstract

Translation requires changing the forms of SL to reach the naturalness of TL, which frequently results in a shift. Shift or transposition is a crucial translation element, as providing the text with a good equivalent in the target language is not always feasible. This research aims to identify translation unit shifts and determine the aspects influencing each shift. The unit shift theory applied in this study is based on J.C. Catford’s translation shift theory. The aspects that cause or influence each unit shift in the unit analysis are based on Mildred L. Larson’s theory. This research was conducted as a descriptive qualitative study. The study focuses on the words, phrases, and sentences in Reclaim Your Heart and their translations that change during translation. The writer analysed the data to identify the unit shift from the source text to the target text. The shift patterns are determined following the unit categorisation. The observed patterns of unit shift in the translation of Reclaim Your Heart to Rebut Kembali Hatimu include shifts from morpheme to word, word to phrase, phrase to word, sentence to phrase, and sentence to clause. The factors that influenced translation and caused the unit shift occur because there are some aspects of language: lexical and grammatical.
Blockchain-Based Digital Transaction Security System: Perspective of Imam al-Shāṭibi’s Maqāṣid al-Sharī’ah Concept Yasin, Achmad; Billah, Arifah
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 11 No. 2 (2024): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i2.34379

Abstract

Blockchain is a technological advancement that does not yet have regulatory certainty, especially regarding taxation and its use in certain domains does not fulfill shari'ah provisions. This research is a literature study that explain the benefits of blockchain technology when applied in the Islamic economic sector and analyses it based on maqasid al-shari'ah according to Imam al-Shatibi. The method implemented: normative law with a statutory and conceptual approach. Data collection is done through literature research and documentation. This research analyses that the benefits of using blockchain technology in Islamic economics provides various significant advantages for human welfare, so it is considered maṣlahah. Applying this technology to economic activities is a form of jalbu al-masalih. Blockchain technology increases the operational ease of digital transactions and provides vigorous wealth protection through tokens generated from digitizing tangible assets. The blockchain application in digital transactions isa form of dar'u al-mafasid. Analysed from the perspective of Imam al-Shatibi's maqasid al-shari'ah, the blockchain technology efficiency and security for data and information in the digital transaction ledge rare included as hajiyyah needs. Its use that facilitates cryptocurrency transactions is highlighted as haram because of its destruction of religion due to its prohibition. The protection afforded to real-world asset tokens and their overall usefulness elevates this technology's status as a daruriyyah min janibi al-adam (protection of primary needs from absence).
PERAN PEMBIAYAAN BPRS AL SALAM TERHADAP PERTUMBUHAN EKOSISTEM INDUSTRI HALAL PADA UMKM DI DEPOK Dzakiy Askhiya; Ach. Yasin
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 4 (2025): Juli
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v6i4.59106

Abstract

Abstrak Peran pembiayaan Bank Pembiayaan Rakyat Syariah (BPRS) Al Salam dalam mendukung pertumbuhan UMKM halal di Kota Depok. Banyak pelaku UMKM mengalami kesulitan mengakses pembiayaan dari bank konvensional karena sistem bunga yang tinggi. BPRS Al Salam hadir sebagai alternatif pembiayaan berbasis prinsip syariah seperti murabahah, mudharabah, danmusyarakah. Penelitian ini menggunakan pendekatan kualitatif dengan teknik wawancara, observasi, dan dokumentasi terhadap staf BPRS serta pelaku UMKM penerima pembiayaan. Hasil penelitian menunjukkan bahwa pembiayaan dari BPRS Al Salam memberikan dampak positif terhadap pertumbuhan usaha, peningkatan kapasitas produksi, dan daya saing UMKM di sector halal. Selain pembiayaan, BPRS juga memberikan edukasi dan pendampingan yang membantu UMKM berkembang secara berkelanjutan. Dengan pendekatan berbasis syariah yang adil dan inklusif, BPRS Al Salam turut memperkuat ekosistem industry halal di tingkat lokal. Kata Kunci : BPRS Al Salam, Pembiayaan Syariah, UMKM, Industri halal, Depok   Abstract The role of financing from the Al Salam Sharia People's Financing Bank (BPRS) in supporting the growth of halal MSMEs in Depok City. Many MSMEs have difficulty accessing financing from conventional banks due to the high interest system. BPRS Al Salam is present as an alternative financing based on sharia principles such as murabahah, mudharabah, and musyarakah. This study uses a qualitative approach with interview techniques, observation, and documentation of BPRS staff and MSMEs receiving financing. The results of the study show that financing from BPRS Al Salam has a positive impact on business growth, increased production capacity, and the competitiveness of MSMEs in the halal sector. In addition to financing, BPRS also provides education and assistance that helps MSMEs develop sustainably. With a fair and inclusive sharia-based approach, BPRS Al Salam also strengthens the halal industry ecosystem at the local level. Keywords: BPRS Al Salam, sharia financing, UMKM, halal industry, Depok.
Co-Authors A'rasy Fahrullah Abiyyah Muhammad ADAM DAMANHURI Ahmad Ajib Ridlwan Ahmad Ajib Ridlwan Akhlis Fatikhul Islam Akhmad Syaiful Ghifari Al Baqiyyatus Sholihah, Milda Alvino Rezandy Alvino Rezandy Amanto, Sudrajat Ananda, Amtricia Andi Zamroni Azhar Andrian Dwi Andrian Dwi Rahmad Firdaus Angelo Zauqi Rafl Priambodo Anwar Adem Shikur Arifin, Irfan Athi` Hidayati Aulia Siska Puspita Dewi A’rasy Fahrullah Bagas Adiyaksa Wibawa Berlian Febrianti Billah, Arifah Bimantoro, Surya Ageng Chiquita Kumala Putri Subagjo Clarashinta Canggih Daffa Fadhillah Burhanudin Dardiri, Masyudan Dela Akira Rimadani Desnita Dwireni Devano Hayunda Fachrizal Dhini, Ulfa Rahma Diansyah, Ahmad Zubadar Oktorifal Durratul Haninda Is'ad Dwiarni, Aldavia Hesti Dzakiy Askhiya Erika Dewi Ari Mita Estiningtyas, Indri Wasa Eva Natasha Fadhillah S, Nurul Fahrullah, Farichah, Syayyidati Fikriyah, Ashfa Fikriyah, Khusnul Fitriah Dwi Susilowati Frihatmawati, Rizky Gladis Nabilah Widya Dana Hamzah Rabani, Muhammad Hendry Cahyono Hidayah, Syarifatul Hilda Monoarfa Himmatul kholidah Hujjatullah Fazlurrahman Ikhsanudin Sukron Imamuddin Imamuddin Imroatul Chasanah Imron Mustofa Intan Nurhasanah Irfan Ramis Kharisma, Ikke Kurniawan , Rahmat Kurniawan, Muhammad Ridho Hafid Ladi Wajuba Perdini Fisabilillah Lailatul Mufidah Larasati, Anita Latifah Wulandari, Fanny Leny Hikmah Rentiana Mahmudah, Latifatul Maria Monica Sianita Basukiwardojo Maulita Cahyani Moch. Khoirul Anwar Moch. Khoirul Anwar Monoarfa, Hilda Mubarok, Alrojak Muhammad Akbar Maulana Muhammad Andika, Muhammad Muhammad Fajar Wahyudi Rahman Muhammad Ferdiyansyah Muhammad Hamzah Rabani Muhammad Muhaemin Nanda, Annisa Amalia Eka Nita Kusumawati Nur Annisa Fitri Nur Muzayyanatul Hidayah Nurafini, Fira Nurillah, Shinta Lintang Nurwinsyah Rohmaningtyas Prabowo, Prayudi Setiawan Printa Angelina, Yunika Purnama, Andry Priyadharmadi Rachma Indrarini Rachma Indrarini Rachmawati, Desy Wulan Rahayu, Nunik Tri Ramadhina, R. Mekar Liza Ramdani Ramdani R Ramdani Ramdani Ridlwan, Ajib Riska Febriana Rizqi, Ahmad Fatkhur Robert Shobary Rosyadi, M. Syam’un Rusida, Desy Khoirur Sabana Nouvan Ilman Saifuddin, Muhammad Azhar Santi Ariyani Shikur, Anwar Adem Shinta Lintang Nurillah Sri Abidah Suryaningsih Sri Abidah Suryaningsih Sri Handajani Sri Herianingrum Sulistyowati Sulistyowati Tegar Qodri Nugroho Tika Widiastuti Tiwik Widyaningsih Ummah, Siti Safi'atul Wulandari, Sri Riski Yan Putra Timur Yati BT Samsuddin Yayuk Sri Rahayu Zulfa, Fina Lailiz