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All Journal MILLATI: Journal of Islamic Studies and Humanities Journal of Ekonomics, Finance, and Management Studies
Zulkarnaen Zulkarnaen
UIN Sumatera Utara
Religion Arts Humanities Economics, Econometrics & Finance Other

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Building Religious Moderation through Theophany Concept with Philosophy and Religion Approaches Zulkarnaen Zulkarnaen; Adenan Adenan; Marhaban Marhaban; Arief Muammar
Millati: Journal of Islamic Studies and Humanities Vol 8, No 1 (2023): Millati
Publisher : Universitas Islam Negeri (UIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/mlt.v8i1.8012

Abstract

This research described an approach to building Religious Moderation according to the Theophany concept, which is an attempt to decide an attitude and action in life through a wise, unbiased perspective, and risk beneficial to many parties. Building religious moderation means forming attitudes and actions to avoid harming oneself, others, and the environment. Furthermore, achieving this process using the Theophany concept enables the formation of attitudes by considering human compassion and contempt, generosity and stinginess, as well as sensitivity and hostility, which are consistently correlated with moral and religious norms. The formation of religious moderation in one's soul brings many benefits to the world. Therefore, it is important to build this concept to determine right from wrong according to certain religious claims. These decisions are based on values, norms, morals, beliefs, and other considerations beneficial for living life. Theophany concept builds the idea that the truth in acting and behaving is God's business as the most righteous judge. In conclusion, building religious moderation is to form a personal soul with moral values beneficial for human life without being free from the justification of certain religious truths.
Implementasi Konsep Keadilan dalam Akad Mudharabah: Studi pada Lembaga Keuangan Mikro Syariah Zulkarnaen Zulkarnaen; Lukmanul Hakim Siregar; Iskandar Muda; Andri Soemitra; Yusrizal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 11 (2025): 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.v6i11.10184

Abstract

This study aims to analyze the implementation of the principle of justice (al-‘adl) in mudharabah contracts within Islamic Microfinance Institutions (LKMS) in Indonesia. The rapid growth of the Islamic economy demands the application of contracts that align with Islamic values, one of which is mudharabah—a partnership between the shahibul maal (capital provider) and the mudharib (entrepreneur)—based on fair and transparent profit-sharing principles. The research employs a qualitative method using a library research approach and a comparative analysis between the concepts of fiqh muamalah and modern regulations such as the DSN-MUI fatwas and OJK regulations concerning LKMS. The findings reveal that, conceptually, the mudharabah contract reflects the value of justice through the balance of rights and obligations between capital owners and business managers. However, in practice, LKMS still face several challenges, including institutional dominance in determining profit-sharing ratios (nisbah), low transparency in business reporting, and weak sharia supervision. These issues indicate a gap between the normative principles of fiqh muamalah and their regulatory implementation in practice. This study recommends the formulation of maqashid sharia-based contract frameworks, the enhancement of human resource capacity in fiqh muamalah and Islamic accounting, and the strengthening of the Sharia Supervisory Board’s function to ensure comprehensive implementation of justice in every contract.
Co-Authors Adenan Adenan Andri Soemitra Arief Muammar Iskandar Muda Lukmanul Hakim Siregar marhaban marhaban Yusrizal