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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ilmiah Ekonomi Islam Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Emanasi Jurnal Ilmu Keislaman dan Sosial Kanun: Jurnal Ilmu Hukum El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Mawaizh : Jurnal Dakwah dan Pengembangan Sosial Kemanusiaan
Asep Supyadillah
Universitas Muhammadiyah Jakarta
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENERAPAN SYARIAH DALAM KONTEKS NEGARA MODERN DI DUNIA ISLAM Supyadillah, Asep
Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Vol 27, No 2 (2016)
Publisher : Faculty of Islamic Studies, University of Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (453.69 KB) | DOI: 10.24853/ma.27.2.%p

Abstract

Penerapan konsep syariah di negara-negara mayoritas muslim, mengalami keragaman seiring kemajemukan paham, aliran, mazhab, dan golongan dalam menafsirkan sumber-sumber ajaran Islam. Bentuk keragaman tersebut antara lain terefleksi dalam pandangan pemikiran politik mengenai hubungan Negara dan Islam yang secara garis besar terdiri dari aliran tradisional atau intergralistik, aliran sekuler atau reformis-sekuler, dan aliran reformis-modernis. Dari pengalaman penerapan konsep syariah dalam Negara oleh Negara-negara penduduk mayoritas muslim seperti Arab Saudi, Republik Islam Pakistan, Republik Islam Iran, Kerajaan Malaysia, dan Negara Islam Afghanistan di bawah rezim Taliban, Sudan, dan Indonesia, bentuk penerapannya tidak bersifat tunggal dan monolitik tetapi bersifat plural dan heterogen, sesuai dengan ruang, waktu dan kondisinya masing-masing Negara tersebut. Dilihat dari tujuan Negara yang menerapkan “konsep syariah-Islam” untuk kemaslahatan warga Negara muslim, dalam perspektif Human Development Index, Life Expectancy Index, Education Index, maupun Income Index, masih di bawah rata-rata Negara non muslim. Bahkan di beberapa Negara tersebut berkaitan dengan penerapan keadilan, pemberdayaan kaum wanita, partisipasi politik dan peluang kesetaraan, masih terbatas.
Analisa Strategi Penetapan Margin Keuntungan Pada Transaksi Pembiayaan Akad Murabahah Di Bank Syariah Taufik, Azhar; Supyadillah, Asep; Dewi, Rania
Emanasi : Jurnal Ilmu Keislaman dan Sosial Vol 6 No 2 (2023): Jurnal Emanasi Volume 6 Edisi 2 Tahun 2023
Publisher : Asosiasi Dosen Peneliti Ilmu Keislaman dan Sosial

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Abstract

Penelitian ini bertujuan untuk menganalisis stretegi penetapan margin keuntungan pada pembiayaan murabahah pada BPRS Patriot Bekasi. Objek yang dijadikan penelitian ini adalah BPRS Patriot Bekasi. Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif dengan pendekatan studi kasus. Penggalian informasi terkait dengan keuntungan pada pembiayaan Murabahah didapat dengan metode/cara observasi dan mewawancarai direktur BPRS Patriot Bekasi. Komponen-komponen yang mempengaruhi penetapan margin murabahah adalah direct Competitor Market Rate (DCMR), Indirect Competitor Market rate (ICMR), Extended Competitor Return for Investor (ECRI), dan Overhead Cost. Hasil penelitian menunjukan bahwa BPRS Patriot Bekasi menetapkan 1,5% margin keuntungan per bulan atau 18% per tahunnya, dengan perhitungan 75% untuk biaya Overhead, Sedangkan perusahaan mendapatkan 25% Laba/keuntungan bersih. Kata kunci : Margin Keuntungan, Pembiayaan Murabahah, dan BPRS Patriot Bekasi
Potensi Penggalangan Dana Filantropi Islam Melalui Mobile Banking Bank Umum Syariah di Indonesia Syaifullah, Hamli; Supyadillah, Asep; Ghoni, Abdul; Fitriyanto, Arief
MISYKAT AL-ANWAR JURNAL KAJIAN ISLAM DAN MASYARAKAT Vol 7, No 1 (2024)
Publisher : Faculty of Islamic Studies, University of Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/ma.7.1.1-28

Abstract

Pinjaman Online (Pinjol) Dalam Perspektif Hukum Ekonomi Islam dan Hukum Positif Taufik, Azhar; Supyadillah, Asep; Amin, Muhammar; Prasetyo, Rifki Dwi
MISYKAT AL-ANWAR JURNAL KAJIAN ISLAM DAN MASYARAKAT Vol 7 No 2 (2024)
Publisher : Faculty of Islamic Studies, University of Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/ma.7.2.149-160

Abstract

This research focuses on Online Loans (Pinjol) from the perspective of Islamic Economic Law and Positive Law. This research was conducted to focus on two questions, namely (1) How are Online Loans (Pinjol) from the perspective of Islamic Economic Law? (2) What about Online Loans (Pinjol) in a Positive Legal Perspective? This research produced findings, (1) that Online Loans (Pinjol) are permitted in Islamic Economic Law by referring to the provisions contained in the Al Qur'an, Hadith, Ulama Opinions and MUI Fatwa Decisions. However, it is necessary to pay attention to several things, namely not conflicting with sharia principles and still paying attention to the principles of justice, balance, fairness in accordance with sharia and applicable laws. (2) Meanwhile, in positive law it is stated in the OJK regulations that Pinjol must submit to and obey the laws relating to the provisions of online/digital economic transactions by paying attention to the general provisions contained in the Criminal Code in force in Indonesia.
The Constraints in Shariah-Compliant Asset-Backed Securities Issuance at Islamic Banking Industries in Indonesia Supyadillah, Asep; Maulana, Muhammad Al-Fayyadh; Fisabilillah Miswin, Nur Ilhamillaili
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 15, No 1 (2023)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v1i1.32287

Abstract

Abstract. The paper examines the responses of Islamic bank executives in Indonesia on constraints precluding the Sharia-compliant Asset-backed Securities (SABS) issuance, especially from sharia and legal perspectives. This research uses socio-legal and inductive approaches, analyzed with content analysis. The research f inds that, first, despite its necessity, the SABS concept brings risks and constraints in its implementation. Second, the constraints to SABS issuance include the difficulties in procuring assets. Third, the constraints in the legal aspect include the basis of bank authority to sell assets to SABS issuers, the types of assets, the transfer process to special purpose vehicles (SPV), the dubiety in the clauses managing bankruptcy remoteness and perfection of security interest, and the problems of accounting, asset bookkeeping, and taxation.Abstrak. Artikel ini menganalisis respon pelaku industry bank syariah di Indonesia terhadap kendala pada penerbitan Efek Beragun Aset Syariah (EBAS), dari perspektif syariah dan hukum. Penelitian ini menggunakan pendekatan sosio-hukum dan induktif, dengan analisis konten. Penelitian menemukan, pertama, sekalipun secara konsep dibutuhkan dan bermanfaat, EBAS berhadapan dengan potensi risiko dan hambatan dalam implementasinya. Kedua, kendala penerbitan EBAS antara lain kesulitan pengadaan aset. Ketiga, kendala aspek hukum meliputi dasar kewenangan bank untuk menjual aset kepada penerbit EBAS, jenis aset yang menjadi dasar penerbitan EBAS, proses pengalihan aset ke Special Purpose Vehicle (SPV), ketidak jelasan ketentuan bankcruptcy remoteness and perfection of security interest, serta masalah akuntansi, pencatatan aset, dan perpajakan.
The Influence of Leadership and Training on Work Culture and Its Impact on Employee Performance in Halal MSMEs. Taufik, Azhar; Supyadillah, Asep; Supriyadi, Rinaldi; Willanda Sari, Nova
MISYKAT AL-ANWAR JURNAL KAJIAN ISLAM DAN MASYARAKAT Vol 8 No 2 (2025)
Publisher : Faculty of Islamic Studies, University of Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/ma.8.2.205-228

Abstract

This study was conducted to determine the influence of leadership and training on work culture and its impact on employee performance in Halal UMKM, the case study in this study was at PT Setya Kuliner Mandiri/D’Besto Se-South Tangerang. The method used was a survey method with 86 respondents. Data were collected through questionnaires and analyzed using LISREL. The results of the study showed; 1) leadership has an insignificant influence on work culture of 1.07. 2) training has a significant influence on work motivation of 0.20. 3) leadership has an insignificant influence on employee performance of 1.46. 4) training has an insignificant influence on employee performance of -0.58. 5) work culture has a fairly weak influence on employee performance of -1.65. 6) leadership has a weak influence on employee performance with culture as an intervening of -0.58. 7) training has a weak influence on employee performance with work culture as an intervening of -1.45. 8) work culture is less effective as an intervening variable.
THE CONSTITUTIONAL COURT RULING ON THE AUTHORITY OF DSN-MUI IN ISLAMIC FINANCIAL INSTITUTIONS IN INDONESIA Supyadillah, Asep; Nurhasanah, Nurhasanah; Putri, Novita Akria
Kanun Jurnal Ilmu Hukum Vol 27, No 2: August 2025: Islam and Justice development in Indonesia
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/kanun.v27i2.46285

Abstract

The authority of the National Sharia CouncilIndonesian Ulema Council (DSN-MUI) in issuing fatwas in the field of Islamic finance is often perceived as problematic in terms of the legitimacy of MUI as the authorized body to determine sharia aspects within the national legal system. This issue is reflected in Decision Number 65/PUU-XIX/2021 regarding the judicial review of Law Number 21 of 2008 on Sharia Banking and Decision Number 100/PUU-XX/2022 concerning the judicial review of Law Number 19 of 2008 on State Sharia Securities (SBSN), both of which challenge MUIs position in issuing sharia fatwas. This study employs a doctrinal method with a philosophical approach and the analysis of the theory of the positivization of law. This approach is used to examine how philosophical foundations and the construction of positive law place DSN-MUI within the structure of legal authority in Indonesia. The findings show that the Constitutional Court consistently rejected the petitioners claims and affirmed the status of MUI as the legitimate Islamic religious authority responsible for ensuring legal certainty in the administration of Islamic finance. This strengthens the legitimacy of DSN-MUI in both sharia banking and SBSN instruments and highlights its role in harmonizing religious norms with positive law. This clarifies the position of DSN-MUI within Indonesias legal system while providing an academic foundation for the development of Islamic finance regulations that are more certain, integrated, and aligned with both legal practice and national legal development.
Analisa Implementasi Akad Istishna pada Produk Pembiayaan KPR Syariah (KPR Indent IB) Bank BTN Syariah Azhar Taufik; Dina Febriani; Asep Supyadillah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11751

Abstract

This study aims to analyze the implementation of the istishna’ contract in the KPR Indent IB home financing product at Bank BTN Syariah (BSN) and to assess its compliance with DSN-MUI Fatwa No. 06/DSN-MUI/IV/2000 concerning Istishna’ Sale and Purchase. The background of this research is based on the increasing public demand for home ownership through sharia-compliant financing schemes that are free from elements of riba (usury) and gharar (uncertainty). This research employs a descriptive qualitative method with a case study approach. Data were collected through observation and interviews with officials of Bank BTN Syariah, Harmoni Branch, Central Jakarta, as well as a partner property developer in the Depok area. The data analysis technique applied the Miles and Huberman model, which includes data collection, data reduction, data display, and conclusion drawing. The findings indicate that the implementation of the istishna’ contract in the KPR Indent IB product fulfills the essential pillars and conditions stipulated in the DSN-MUI Fatwa, particularly in terms of payment provisions, clarity of the contract object specifications, delivery mechanisms, and financing risk management. The margin scheme is determined as fixed or tiered without altering the principal price agreed upon at the inception of the contract, thereby avoiding elements of gharar. Risk management is conducted through warning mechanisms, restructuring measures, collateral execution in cases of default, and the imposition of ta’zir penalties allocated to charitable funds. It can therefore be concluded that the implementation of the istishna’ contract in the KPR Indent IB financing product at Bank BTN Syariah is substantially in accordance with sharia principles and the applicable fatwa regulations in Indonesia.
Analisa Implementasi Akad Istishna pada Produk Pembiayaan KPR Syariah (KPR Indent IB) Bank BTN Syariah Azhar Taufik; Dina Febriani; Asep Supyadillah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11751

Abstract

This study aims to analyze the implementation of the istishna’ contract in the KPR Indent IB home financing product at Bank BTN Syariah (BSN) and to assess its compliance with DSN-MUI Fatwa No. 06/DSN-MUI/IV/2000 concerning Istishna’ Sale and Purchase. The background of this research is based on the increasing public demand for home ownership through sharia-compliant financing schemes that are free from elements of riba (usury) and gharar (uncertainty). This research employs a descriptive qualitative method with a case study approach. Data were collected through observation and interviews with officials of Bank BTN Syariah, Harmoni Branch, Central Jakarta, as well as a partner property developer in the Depok area. The data analysis technique applied the Miles and Huberman model, which includes data collection, data reduction, data display, and conclusion drawing. The findings indicate that the implementation of the istishna’ contract in the KPR Indent IB product fulfills the essential pillars and conditions stipulated in the DSN-MUI Fatwa, particularly in terms of payment provisions, clarity of the contract object specifications, delivery mechanisms, and financing risk management. The margin scheme is determined as fixed or tiered without altering the principal price agreed upon at the inception of the contract, thereby avoiding elements of gharar. Risk management is conducted through warning mechanisms, restructuring measures, collateral execution in cases of default, and the imposition of ta’zir penalties allocated to charitable funds. It can therefore be concluded that the implementation of the istishna’ contract in the KPR Indent IB financing product at Bank BTN Syariah is substantially in accordance with sharia principles and the applicable fatwa regulations in Indonesia.
Implementasi Akad Istishna Pada Pembiayaan KPR Syariah Pada Bank Syariah Nasional Tinjauan Fatwa DSN MUI No: 06/DSN-MUI/IV/2000 Azhar Taufik; Dina Febriani; Asep Supyadillah; Hesty Ade Sulistia
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19587

Abstract

This study aims to analyze the implementation of the istishna’ contract in the KPR Indent IB home financing product at Bank BTN Syariah (BSN) and to assess its compliance with DSN-MUI Fatwa No. 06/DSN-MUI/IV/2000 concerning Istishna’ Sale and Purchase. The background of this research is based on the increasing public demand for home ownership through sharia-compliant financing schemes that are free from elements of riba (usury) and gharar (uncertainty). This research employs a descriptive qualitative method with a case study approach. Data were collected through observation and interviews with officials of Bank BTN Syariah/BSN, Harmoni Branch, Central Jakarta, as well as a partner property developer in the Depok area. The data analysis technique applied the Miles and Huberman model, which includes data collection, data reduction, data display, and conclusion drawing. The findings indicate that the implementation of the istishna’ contract in the KPR Indent IB product fulfills the essential pillars and conditions stipulated in the DSN-MUI Fatwa, particularly in terms of payment provisions, clarity of the contract object specifications, delivery mechanisms, and financing risk management. The margin scheme is determined as fixed or tiered without altering the principal price agreed upon at the inception of the contract, thereby avoiding elements of gharar. Risk management is conducted through warning mechanisms, restructuring measures, collateral execution in cases of default, and the imposition of ta’zir penalties allocated to charitable funds. It can therefore be concluded that the implementation of the istishna’ contract in the KPR Indent IB financing product at Bank BTN Syariah/BSN is substantially in accordance with sharia principles and the applicable fatwa regulations in Indonesia.
Co-Authors Abdul Ghoni Amin, Muhammar Arbi, Dion Saputra Azhar Taufik Dewi, Rania Dina Febriani Dion Saputra Arbi Fakhrul Adabi Abdul Kadir Fisabilillah Miswin, Nur Ilhamillaili Fitriyanto, Arief Hesty Ade Sulistia Kadir, Fakhrul Adabi Abdul Maulana, Muhammad Al-Fayyadh Muhammad Choirin Nurhasanah Nurhasanah Prasetyo, Rifki Dwi Putri, Novita Akria Supriyadi, Rinaldi Syaifullah, Hamli Taufik, Azhar Willanda Sari, Nova