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All Journal al-Afkar, Journal For Islamic Studies Maklumat: Journal of Da'wah and Islamic Studies
Lina Pusvisasari
STAI Al-Azhary Cianjur
Religion Humanities Education Social Sciences

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Why Mudharabah Is Not Developing In Islamic Banking Lina Pusvisasari; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.805

Abstract

Why mudharabah has not grown significantly in Islamic banking: Complexity and Risk: Mudharabah has a complex structure and involves profit sharing between the capital and the manager (mudharib). The success of mudharabah is highly dependent on the manager's ability to manage risk wisely. This can be challenging for Islamic banks as it requires specialized expertise in risk management and business evaluation. Uncertainty of Results: In mudharabah, business results cannot be guaranteed and may vary from time to time. This creates uncertainty for the capital party (shahib al-mal), especially if they want a fixed and stable return. This uncertainty may discourage investors and discourage the use of mudharabah on a large scale. Preference for Easier Instruments: Some Islamic banks prefer other financial instruments that are easier to implement, such as murabahah (sale and purchase with markup) or ijarah (lease). These instruments have simpler structures and are easier to understand, allowing banks to quickly offer products and services to their customers. Lack of Awareness and Understanding: Lack of awareness and understanding of mudharabah among the public and Islamic bank customers can also be a hindering factor. If customers do not have sufficient understanding of the concept and benefits of mudharabah, they may be reluctant to use products or services related to it. Unfavorable Rules and Regulations: Some rules and regulations in some countries may not provide sufficient support for the development of mudharabah in the Islamic banking industry. Certain legal ambiguities or regulatory constraints may hinder the freedom and flexibility in using mudharabah as a financial instrument. Slower Industry Development: The Islamic banking industry is still relatively young compared to conventional banking. While there has been significant growth in recent years, Islamic banking still faces challenges in achieving the same size and scale as conventional banking. This may also affect the wider adoption of mudharabah in the industry.
Price Mechanisms in Islamic Economics Perspective of Yahya Bin Umar and Ibn Taymiyah Lina Pusvisasari; Yadi Janwari; Ahmad Hasan Ridwan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.822

Abstract

This study discusses the role of prices in Islamic economics from the perspective of Yahya bin Umar and Ibn Taymiyah. In the view of Yahya bin Umar, the price mechanism in Islamic economics must follow the principles of justice and transparency and avoid speculation that harms the community. Meanwhile, Ibn Taymiyah argues that the price of goods and services should be determined by market demand and supply, assuming that the market runs freely and there is no fraud. Through a qualitative approach using the literature study method, this article discusses the views of Yahya bin Umar and Ibn Taymiyah on the price mechanism in Islamic economics. The results show that both agree that the price mechanism must follow the principles of fairness and transparency. However, there are differences of opinion in terms of how to determine prices, where Yahya bin Umar emphasizes more on the need for government and community supervision of the price mechanism, while Ibn Taymiyah emphasizes more on market freedom.
Islamic Education During the Abbasid Dynasty and the Development of Modern Islamic Education Siti Soleha; Lina Pusvisasari
Maklumat: Journal of Da'wah and Islamic Studies Vol. 2 No. 1 (2024)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/maklumat.v2i1.10

Abstract

Education is a teaching and learning process that involves interaction with the surrounding environment. Islamic educational institutions strive to increase students' faith, understanding, appreciation and experience of the Islamic religion, so that they become individuals who believe and are devout in their personal, social, national and state lives. Islamic education has developed since the time of Rasulullah SAW., Khulafaur Rashidin, Bani Umayyah, Bani Abbasiyah, and continues to develop until now. The progress of Islamic education was especially visible during the Abbasid dynasty. This article aims to discuss the concept of Islamic education during the Abbasid Dynasty and the development of modern Islam. The research method used is descriptive qualitative, with sources of information from various print and online media regarding this topic. The research results show that Islamic educational institutions during the Abbasid Dynasty can be categorized into three types. First, informal educational institutions such as the ulama's homes. Second, non-formal educational institutions such as kutabs, mosques, bookstores and libraries. Third, formal educational institutions such as madrasas. The many types of educational institutions are in accordance with Islamic teachings which require studying as a form of worship, so that places of study are not limited to just one location.
Co-Authors iwan setiawan Siti Soleha Sofyan Al-Hakim Yadi Janwari