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All Journal Studia Economica: Jurnal Ekonomi Islam Al-bank: Journal of Islamic Banking and Finance Al-bank: Journal of Islamic Banking and Finance
Rizal Fahlefi
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Economics, Econometrics & Finance Social Sciences

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Analisis Konsep Uang Menurut Ulama Salaf Dan Khalaf Serta Implikasinya Dalam Perbankan Syariah Rizal Fahlefi; Alimin Alimin; Rivian Anda Sari; Widi Nopiardo
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9758

Abstract

Penelitian ini bertujuan untuk menganalisis tentang konsep uang dalam Islam menurut ulama salaf dan khalaf serta implikasinya dalam dunia perbankan syariah. Penelitian ini menggunakan metode penelitian studi pustaka dimana peneliti berupaya menggali dan menemukan konsep yang diteliti melalui penelusuran berbagai sumber-sumber kepustakaan yang relevan. Hasil penelitian menunjukkan bahwa para ulama, baik dari kalangan Salaf maupun Khalaf, berbeda pendapat mengenai penggunaan emas dan perak sebagai mata uang, pendapat pertama menyatakan mata uang hanya terbatas pada emas dan perak sedangkan pendapat kedua menyatakan sebaliknya bahwa boleh juga dalam bentuk lain. Pencetakan uang kertas secara berlebihan akan mempengaruhi kestabilan nilai mata uang. Sistem penganggaran dalam Islam sebenarnya tidak memerlukan untuk berutang atau mencetak uang lebih banyak guna membiayai defisit, namun jika terdapat kondisi yang mengharuskan mencetak uang baru maka hak prerogatif pemerintah tersebut harus tunduk pada batasan untuk menjaga keseimbangan antara mencetak uang dan menjaga inflasi dalam 'batas yang wajar'. Oleh karena itu, perbankan syariah komersial merupakan perpanjangan tangan dari bank sentral untuk menstabilkan nilai mata uang dengan cara-cara yang Islami pula
Analisis Konsep Uang Menurut Ulama Salaf Dan Khalaf Serta Implikasinya Dalam Perbankan Syariah Rizal Fahlefi; Alimin Alimin; Rivian Anda Sari; Widi Nopiardo
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9758

Abstract

Penelitian ini bertujuan untuk menganalisis tentang konsep uang dalam Islam menurut ulama salaf dan khalaf serta implikasinya dalam dunia perbankan syariah. Penelitian ini menggunakan metode penelitian studi pustaka dimana peneliti berupaya menggali dan menemukan konsep yang diteliti melalui penelusuran berbagai sumber-sumber kepustakaan yang relevan. Hasil penelitian menunjukkan bahwa para ulama, baik dari kalangan Salaf maupun Khalaf, berbeda pendapat mengenai penggunaan emas dan perak sebagai mata uang, pendapat pertama menyatakan mata uang hanya terbatas pada emas dan perak sedangkan pendapat kedua menyatakan sebaliknya bahwa boleh juga dalam bentuk lain. Pencetakan uang kertas secara berlebihan akan mempengaruhi kestabilan nilai mata uang. Sistem penganggaran dalam Islam sebenarnya tidak memerlukan untuk berutang atau mencetak uang lebih banyak guna membiayai defisit, namun jika terdapat kondisi yang mengharuskan mencetak uang baru maka hak prerogatif pemerintah tersebut harus tunduk pada batasan untuk menjaga keseimbangan antara mencetak uang dan menjaga inflasi dalam 'batas yang wajar'. Oleh karena itu, perbankan syariah komersial merupakan perpanjangan tangan dari bank sentral untuk menstabilkan nilai mata uang dengan cara-cara yang Islami pula
Saving Dan Investasi Dalam Produk Mudharabah Pada Lembaga Keuangan Syariah Analisis Komparatif Dengan Produk Konvensional Santi Yulia Kasih; Rizal Fahlefi
Al-bank: Journal of Islamic Banking and Finance Vol 4, No 2 (2024): July - Desember 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i2.13179

Abstract

This research aims to determine the application of saving and investment inIslamic financial institutions and their comparison with conventional institutions. The method used in this research is qualitative research with an in-depth interview approach. In-depth interview approach. The results showed that saving products at LKS. LKS offers mudharabah savings, wadiah savings, and sharia current accounts with profits for customers calculated based on the profit-sharing ratio proportionally from the profit-sharing ratio. proportionally from bank's operating profit in accordance with the initial agreement. While in LKK the products offered are products offered are savings, deposits, and current accounts with benefits for customers calculated based on the interest rate determined by the bank. Investment products at LKS offer suku', shares, and musyarakah with profits derived from profit sharing, company profits and asset rents. asset rent. Investment products in LKK offer mutual funds, stocks, and bonds with customer profits derived from rising asset prices, dividends and interest. 
Tradisi “BASOKEK” dalam Perspektif Ekonomi Islam: Studi Kasus pada Pembagian Zakat Pertanian di Jorong Supanjang Tanah Datar Asri Tesi Ramadhani; Rizal Fahlefi; Ahmad Lutfi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26740

Abstract

This study aims to analyze the meaning, value, and relevance of Basokek in the context of contemporary Islamic economic distribution. A The Basokek tradition of distributing zakat from agricultural produce in Jorong Supanjang is a form of integration between Minangkabau traditional values and Islamic economic principles. Using a qualitative approach with a case study method and interactive analysis by Miles & Huberman, data were collected through in-depth interviews with four key informants, field observations, and documentation. The results show that Basokek reflects the implementation of the principles of distributive justice (al-‘adl), trustworthiness (al-amanah), gratitude (assyukr), and mutual assistance (ta'awun) which are rooted in the teachings of the Qur'an and Sunnah. This tradition also represents the implementation of maqashid sharia, especially in safeguarding wealth (hifz al-mal) and social life (hifz al-nafs). In a modern context, Basokek has the potential to become a model for community-based zakat distribution that aligns with local values and the formal zakat institutional system. This research confirms that Islamic economics is not only embedded in the formal system but is also deeply rooted in the culture and spirituality of Muslim communities. The implication is that the baseokek tradition can provide benefits to the surrounding community, such as strengthening the community's economic resilience and has the potential to be widely adopted as a basis for reformulating national zakat distribution in a modern contectnces
Dari Surau ke Lapau: Pergeseran Nilai dan Perilaku Palapau Masyarakat Minang Kabau dalam Perspektif Ekonomi Islam Yogi Saputra; Rizal Fahlefi; Ahmad Lutfi; Azifa Hidayati; Fandi Ahmad Marlion
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26778

Abstract

This research aims to analyze the shift in values and behavior of the Minangkabau community from an Islamic economic perspective using a Systematic Literature Review (SLR) approach. This study was carried out by searching 312 documents through seven academic databases, then selecting them using the PRISMA protocol to produce 31 relevant literature which was analyzed thematically. The research results show that pelapau, namely individuals who were active in lapau in the past, played a role as social actors who upheld the values of ta'awun (mutual help), qana'ah (simplicity), and amanah (responsibility) in the economic and social life of society. However, modernization and the development of consumer lifestyles have shifted the meaning of lapau from a space of valuable social interaction to an arena of entertainment and consumption, so that lapau behavior tends to deviate from the principles of maqasid al-syariah, especially in the aspects of hifz al-mal (protecting wealth) and hifz al-waqt (keeping time). This study emphasizes that the revitalization of Islamic values in pelapau behavior is necessary to restore lapau as a center for community-based social, moral and sharia economic interaction, so as to be able to re-strengthen the role of local Minangkabau culture in supporting just and ethical Islamic economic development
Co-Authors Ahmad Lutfi Alimin Alimin Asri Tesi Ramadhani Azifa Hidayati Fandi Ahmad Marlion Rivian Anda Sari Santi Yulia Kasih Widi Nopiardo Yogi Saputra