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Hukum Ekonomi Syariah: Tantangan dan Peluang dalam Pengembangan Inovasi Instrumen Keuangan Syariah Handayani, Disfa Lidian
Al-Manahij: Jurnal Kajian Hukum Islam Vol 9 No 2 (2015)
Publisher : Fakultas Syariah IAIN Purwokerto

Dalam perspektif hukum Islam, terdapat dua esensi hukum yaitu syariâ€™ah dan fikih.Syariâ€™ah merupakan aturan hukum yang ditetapkan langsung oleh al-Qurâ€™an dan Sunnah. Sedangkan fikihadalah aturan hukum yang secara keseluruhan merupakan hasil dari ijtihad ulama. Ijtihadsangat diperlukan pada saat ini sebagai cara menjawab berbagai permasalahan yang belum ada pada masa lalu. Ijtihad diperlukan pula dalam pengembangan inovasi instrumen keuangan syariah. Paper ini bertujuan menganalisis berbagai ijtihad di bidang instrumen keuangan syariah yang ada saat ini dan apa saja tantangan dan peluang yang dihadapi. Penetapan fatwa-fatwa tentang keharaman atau kebolehan instrumen keuangan yang merupakan ijtihad para fuqaha akan menjadi acuan dasar dalam membuat hukum positif di Indonesia.

STRATEGI PERBANKAN SYARIAH DALAM MENYOKONG INDONESIA MENJADI TREND SETTER INDUSTRI HALAL Yustati, Herlina; Handayani, Disfa Lidian
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 1 (2017)
Publisher : Institut Agama Islam Bengkulu

Abstract: This paper is the result of research on several literatures encountered to provide solutions how the strategy that can be applied by sharia banking that started developing in Indonesia in developing halal industry in Indonesia. Indonesia is a country with the largest Muslim majority in the world. Muslims are a potential market in developing the current halal industry. Because Islam regulates every aspect of human life especially from the consumption sector. Consumption is broadly defined as utilizing every product. There are four major sectors which are great opportunities in developing halal industry namely, food industry, pharmaceutical industry, fashion industry and tourism industry. Islamic banking can have a role in developing the four sectors, including Cooperation with companies that will issue products with halal labeling to financially use sharia banking, syariah banking can develop sharia debit card and sharia card to facilitate the tourists to access youth syariah tourism, sharah perbnakan can provide financing for entrepreneurs in the field of syariah tourism, fashion and pharmaceutical products to develop their business which ultimately helped improve the halal industry in Indonesia.Keywords: Â Halal Industry, Sharia Bank

Etika Bisnis Islam: Sebuah Kajian Komparatif Handayani, Disfa Lidian
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 1 (2019)
Publisher : Institut Agama Islam Bengkulu

Suatu norma atau etika merupakan pencerminan dari nilai filosofis yang mendasarinya. Ekonomi kapitalis misalnya memiliki nilai filosofis yang berangkat dari pemikiran Protestan ethics yang dikembangkan oleh Calvin (calvinisme). Ekonomi Islam, terlepas dari perdebatan apakah termasuk kedalam ilmu yang berdiri sendiri atau merupakan bagian dari sistem ekonomi yang ada saat ini, memerlukan fondasi pemikiran filosofis yang kuat. Sejak tahun 1970-an, kajian ilmiah tentang Ekonomi Islam semakin banyak diteliti, mulai dari metodologi; worldview; body of knowladge, hingga teori-teori ekonomi. Seiring dengan berkembangnya ilmu Ekonomi Islam tersebut, maka timbul pemikiran mengenai bagaimana cara berbisnis secara Islami. Untuk menjaga agar bisnis yang dilakukan dengan ajaran Islam, maka dibutuhkan serangkaian aturan moral dan etika bisnis Islam. Paper ini bertujuan untuk memaparkan konsep etika bisnis Islami yang dimulai dari landasan filosofis hingga praktek prilaku bisnis dilapangan. Selain itu, paper ini juga mengkomparasikan etika bisnis Islam dengan berbagai konsep-konsep etika bisnis lainnya seperti etika bisnis Protestan & Judeo-cristian, etika bisnis Buddha, dan etika bisnis Hindu.

GADAI DALAM ISLAM Choirunnisak Choirunnisak; Disfa Lidian Handayani
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 6 No 1 (2020): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Agu
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v6i1.141

This research is a type of library research that focuses on qualitative data management with data analysis methods using descriptive analysis methods. Pawn in Islam is called Rahn. Islamic pawn shops will only benefit from the rental fees collected not in the form of interest or capital rents calculated from borrowed money.

Hukum Ekonomi Syariah: Tantangan dan Peluang dalam Pengembangan Inovasi Instrumen Keuangan Syariah Disfa Lidian Handayani
Al-Manahij: Jurnal Kajian Hukum Islam Vol 9 No 2 (2015)
Publisher : Sharia Faculty of State Islamic University of Prof. K.H. Saifuddin Zuhri, Purwokerto

Dalam perspektif hukum Islam, terdapat dua esensi hukum yaitu syariâ€™ah dan fikih.Syariâ€™ah merupakan aturan hukum yang ditetapkan langsung oleh al-Qurâ€™an dan Sunnah. Sedangkan fikihadalah aturan hukum yang secara keseluruhan merupakan hasil dari ijtihad ulama. Ijtihadsangat diperlukan pada saat ini sebagai cara menjawab berbagai permasalahan yang belum ada pada masa lalu. Ijtihad diperlukan pula dalam pengembangan inovasi instrumen keuangan syariah. Paper ini bertujuan menganalisis berbagai ijtihad di bidang instrumen keuangan syariah yang ada saat ini dan apa saja tantangan dan peluang yang dihadapi. Penetapan fatwa-fatwa tentang keharaman atau kebolehan instrumen keuangan yang merupakan ijtihad para fuqaha akan menjadi acuan dasar dalam membuat hukum positif di Indonesia.

STRATEGY FOR DEVELOPING FINANCIAL SELF-RELIANCE THROUGH FOOD SECURITY INDEPENDENT BUSINESS AT BOARDING SCHOOLS, BANYUASIN DISTRICT ERDAH LITRIANI; M RASYID REDHO PRATAMA; FAKHRINA FAKHRINA; DISFA LIDIAN HANDAYANI; NURUL MUBAROK
Maqdis: Jurnal Kajian Ekonomi Islam Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v7i2.231

This study aims to determine the strengths, weaknesses, opportunities and challenges of developing an independent food security business at the Sabilul Hasanah Islamic Boarding School in Mainan Village, Sembawa District, Banyuasin Regency in order to increase financial independence in Islamic boarding schools. This research design uses descriptive analysis with SWOT analysis with 4x4 diagrams, data collection techniques using interviews and observations. The results of this study : 1). Strength: food security (rice) is an abundant resource. 2) Weakness: lack of capital, business units that are not too developed, gaps between managers and students who have their own busy lives and activities. 3). Opportunity: food security business can meet the needs of Islamic boarding schools, can be marketed to realize financial independence, in the future this business program can develop to be bigger in meeting market fulfillment, the regulations that support it are very clear. 4) Threaths: the challenges faced are food entrepreneurs who already exist, consistency of suppliers of raw materials and prices, use of technology in marketing, trends in consumer behavior.

FINANCIAL INCLUSION AND MUQASAH AR-RIBHI IN REPAYMENT FINANCING IN BMT DISFA LIDIAN HANDAYANI; JULITASARI JULITASARI; CITRA LESTARI; CITRA PERTIWI; DIAN PERTIWI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 6, No 1 (2021): Januari - Juni 2021
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v6i1.373

Baitul Maal wat Tamwil (BMT), as a representation of an inclusive financial institution, must have a special strategy to attract and expand access to people who need financing. The portion of Murabaha financing is the largest attracting customer interest from the total financing at Islamic financial institutions in Indonesia, including BMT, compared to other contracts. Therefore, implementing a policy on Murabaha financing at BMT basically supports financial inclusion. One of the strategies implemented by BMT is to provide a Margin discount (Muqasah Ar-Ribhi) in Repayment Before due date on Murabaha financing at one of the BMTs in South Sumatra, namely BMT Assyafi'yah Berkah Nasional, Tugumulyo Ogan Komering Ilir Branch, South Sumatra. The research data was obtained through a qualitative study process sourced from BMT. Primary data related to the application of the Muqasah Ar-Ribhi Application in Repayment Before due date in Murabaha Financing at BMT As-Syafi'iyah, was obtained through interviews with both management and customers, and supported by several archives and documents from BMT. Secondary data is sourced from books, journals, and records related to Margin deductions (Muqasah Ar-Ribhi) or inclusion of financial institutions. This research begins with a desk review of secondary data and materials from previous studies, then continues with observations, interviews, and case studies. Research data were analyzed following three stages of Huberman's analysis: data reduction, data display, and data verification. The results of the study indicate that BMT As-Syafi'iyah applies a policy of giving margin discounts, whose accounting application is in accordance with PSAK 102, where the profit of Murabaha is recognized proportionally. Regarding the amount of the margin discount given to the buyer, it is left to BMT's policies and considerations. The research findings also show that the existence of this policy has accelerated the expansion of access for other customers who need financing, so that it can be said to support the inclusion of financial institutions.

FINANCIAL INCLUSION AND MUQASAH AR-RIBHI IN REPAYMENT FINANCING IN BMT DISFA LIDIAN HANDAYANI; JULITASARI JULITASARI; CITRA LESTARI; CITRA PERTIWI; DIAN PERTIWI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 6, No 1 (2021): Januari - Juni 2021
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v6i1.387

Baitul Maal wat Tamwil (BMT), as a representation of an inclusive financial institution, must have a special strategy to attract and expand access to people who need financing. The portion of Murabaha financing is the largest attracting customer interest from the total financing at Islamic financial institutions in Indonesia, including BMT, compared to other contracts. Therefore, implementing a policy on Murabaha financing at BMT basically supports financial inclusion. One of the strategies implemented by BMT is to provide a Margin discount (Muqasah Ar-Ribhi) in Repayment Before due date on Murabaha financing at one of the BMTs in South Sumatra, namely BMT Assyafi'yah Berkah Nasional, Tugumulyo Ogan Komering Ilir Branch, South Sumatra. The research data was obtained through a qualitative study process sourced from BMT. Primary data related to the application of the Muqasah Ar-Ribhi Application in Repayment Before due date in Murabaha Financing at BMT As-Syafi'iyah, was obtained through interviews with both management and customers, and supported by several archives and documents from BMT. Secondary data is sourced from books, journals, and records related to Margin deductions (Muqasah Ar-Ribhi) or inclusion of financial institutions. This research begins with a desk review of secondary data and materials from previous studies, then continues with observations, interviews, and case studies. Research data were analyzed following three stages of Huberman's analysis: data reduction, data display, and data verification. The results of the study indicate that BMT As-Syafi'iyah applies a policy of giving margin discounts, whose accounting application is in accordance with PSAK 102, where the profit of Murabaha is recognized proportionally. Regarding the amount of the margin discount given to the buyer, it is left to BMT's policies and considerations. The research findings also show that the existence of this policy has accelerated the expansion of access for other customers who need financing, so that it can be said to support the inclusion of financial institutions.

Korelasi Antara Transparansi Lembaga Pengelola Zakat dengan Tingkat Kepercayaan Muzakki dalam Membayar Zakat di Badan Amil Zakat Nasional (BAZNAS) Kota Palembang Erdah Litriani; Disfa Lidian Handayani; Citra Lestari
Jurnal I-Philanthropy Vol 1 No 1 (2021): I-PHILANTHROPY:A Research Journal On Management Of Zakat and Waqf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/iphi.v1i1.9518

This study discusses the correlation between the transparency of zakat management institutions and the level of trust of muzakki in paying zakat at the National Amil Zakat Agency (BAZNAS) Palembang City. With the formulation of the problem, how is the correlation between the transparency of zakat management institutions and the level of trust of muzakki in paying zakat at the National Amil Zakat Agency (BAZNAS) in Palembang. Which aims to determine the correlation between the transparency of zakat management institutions with the level of trust of muzakki in paying zakat at the National Amil Zakat Agency (BAZNAS) Palembang city and donations to related institutions for policy formulation in zakat management. This research uses quantitative research. Quantitative research methods can be interpreted as research methods based on causal relationship symptoms, used for population research and certain samples, data collection using research instruments, quantitative data analysis, with the aim of testing predetermined hypotheses. From the results of the product moment correlation analysis, the figure is 71.18%. This value is getting closer to 1. Thus, it can be concluded that there is a close relationship between institutional transparency and muzzaki trust in the management of zakat funds at Baznas. The better the transparency of Baznas, the more muzzaki's trust in the Baznas institution in the management (collection and distribution) of zakat funds will be.

Sosialisasi Jual Beli Perspektif Ekonomi Islam Pada SMA Puspita Choirunnisak Choirunnisak; Disfa Lidian Handayani; Sofiahayati Sofiahayati
AKM Vol 4 No 2 (2024): AKM : Aksi Kepada Masyarakat Jurnal Pengabdian Kepada Masyarakat - Januari 2024
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/akm.v4i2.776

Kegiatan pengabdian masyarakat ini membahas tentang pengertian jual-beli,dasar hukum jual beli, rukun dan syarat jual-beli, macam-macam jual beli, jual beli gharar, kreteria gharar dan khiyar. Metode yang dipakai dalam pengabdian ini adalah sosialisasi dengan cara peyampaian materi-materi dengan ceramah dan diskusi dalam bentuk sesi tanya jawab. Tujuan kegiatan pengabdian masyarakat ini memberikan pengenalan tentang Jual beli di Air Kumbang Perspektif Ekonomi Islam pada siswa-siswi SMA Puspita, dengan harapan peserta sosialisasi bisa memahami pengertian jual-beli,dasar hukum jual beli, rukun dan syarat jual-beli, macam-macam jual beli, jual beli gharar, krIteria gharar dan khiyar

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