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Peran BPKH (Badan Pengelola Keuangan Haji) Dalam Optimalisasi Pengelolaan Dana Haji: Perspektif Ekonomi Ibnu Khaldun Wafa, Fadhil; Rofiah, Khusniati
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 1 (2025): Jurnal At-Tamwil Maret 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i1.7064

ABSTRACT Purpose – Penelitian mempunyai maksud dan tujuan untuk mengeksplorasi optimalisasi pengembangan dana haji melalui peran Badan Pengelola Keuangan Haji (BPKH) dan instrumen pembiayaan investasi dalam menciptakan ekonomi yang berkeadilan bagi calon jamaah haji. Mengingat meningkatnya biaya haji dan panjangnya masa tunggu, pengelolaan dana yang cermat dan investasi yang produktif diharapkan dapat memberikan imbal hasil yang memadai, sehingga meringankan beban jamaah dan mempercepat proses pemberangkatan.Design/Methods – Metode penelitian yang digunakan adalah penelitian library research. Metode ini dipilih karena topik pembahasan mengandalkan karya-karya Ibnu Khaldun dan merupakan kajian teks, khususnya karya Ibnu Khaldun. Fokus penelitian pada pemikiran Ibnu Khaldun tentang perekonomian, kesejahteraan umat, dan keadilan ekonomi. Penelitian kepustakaan penting karena beberapa alasan, yakni; memperoleh teori yang relevan guna mendukung data yang akurat, studi pendahuluan, alat memahami fenomena baru, menjawab pertanyaan ilmiah.Findings – Pemikiran ekonomi Ibnu Khaldun mengedepankan konsep keadilan sosial dan distribusi sumber daya yang merata sehingga relevan dengan konteks pengelolaan dana haji di Indonesia. Dalam perspektif Ibnu Khaldun kesejahteraan masyarakat bergantung pada keseimbangan antara distribusi kekayaan dan pengelolaan sumber daya secara adil. Pemikiran ini dapat menjadi landasan dalam upaya optimalisasi pengelolaan dana haji oleh Badan Pengelola Keuangan Haji (BPKH) yang memiliki peran vital dalam mengelola dana jamaah haji dengan cara yang transparan, efisien, dan berkeadilan. Originality/Value – Penelitian ini mengidentifikasi pentingnya integrasi konsep ekonomi Ibnu Khaldun dalam kebijakan pengelolaan dana haji untuk menciptakan sistem yang adil dan efisien.Keywords: Ibnu Khaldun, Dana Haji, BPKH, Instrumen Investasi

Dinamika Relasi Muhammadiyah dan NU Dalam Perspektif Teori Konflik Fungsional Lewis A. Coser Rofiah, Khusniati
KALAM Vol 10 No 2 (2016)
Publisher : Faculty of Ushuluddin and Religious Study, Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/klm.v10i2.10

Konflik atau perselisihan yang terjadi dalam masyarakat, seringkali dianggap sebagai suatu masalah yang negatif (disfungsional ), yang dapat merusak perdamaian. Hal ini berbeda dengan Lewis A. Coser, yang justru mempunyai pandangan lain terhadap konflik. Baginya konflik justru memiliki “fungsionalitas” positif dalam masyarakat. Konflik yang terjadi antara Muhammadiyah dan NU tersebut sebagaimana teori konflik dari Coser tidak hanya bersifat disfungsional tetapi lebih banyak bersifat fungsional yaitu bersaing dalam hal kebaikan (Fastabiqul Khoirot). Dengan adanya konflik, pemahaman kesadaran pluralisme dan pikiran terbuka tertanam kuat pada setiap anggota Muhammadiyah dan NU. Penyelesaian konflik diantara keduanya dapat dilakukan melalui lembaga katup penyelamat (safety valve), misalnya kegiatan-kegiatan sosial dan intelektual yang melibatkan kedua belah pihak sebagaimana yang dilakukan oleh angkatan muda Muhammadiyah dan NU.

Pemikiran Ekonomi Islam Al-Maqrizi dan Aplikasinya di Era Modern Izzati, Sayyida Alya; Rofiah, Khusniati
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 5 No. 01 (2024): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar

One of the Muslim scholars who contributed his thoughts on economics was Al-Maqrizi. Al-Maqrizi is an Islamic economic thinker who conducted special studies on two interesting aspects, namely money and inflation. Both aspects are problems that occur in everyday life. The research focus in this study is how Al-Maqrizi's Islamic economic thought on the concept of money and inflation theory and how it is applied in the modern economy. This research is a library research method with qualitative research type. While the data analysis used in this research is content analysis and the data source uses secondary data sources, which come from books, journals and also relevant articles. The result of this study is that according to Al-Maqrizi, the government's attention to the printing and circulation of currency is needed to avoid imbalances that will lead to inflation. The application of Al-Maqrizi's thoughts on money and inflation in the context of modern economics today is one of them in terms of monetary policy that can prevent inflation. This is reinforced by the good cooperation between Bank Indonesia, which runs monetary policy, and the government. Keywords: Economic Thought, Al-Maqrizi, Application, Modern Era Salah satu cendekiawan muslim yang menyumbangkan pemikirannya tentang ekonomi adalah Al-Maqrizi. Al-Maqrizi merupakan pemikir ekonomi Islam yang melakukan studi khusus mengenai dua aspek menarik, yaitu uang dan inflasi. Kedua aspek tersebut merupakan permasalahan yang terjadi dalam kehidupan sehari-hari. Fokus penelitian dalam penelitian ini adalah bagaimana pemikiran ekonomi Islam Al-Maqrizi mengenai konsep uang dan teori inflasi serta bagaimana pengaplikasiannya dalam perekonomian modern. Penelitian ini metode penelitian pustaka (library research) dengan jenis penelitian kualitatif. Sedangkan analisis data yang digunakan dalam penelitian ini yaitu analisis isi (content analysis) dan sumber datanya menggunakan sumber data sekunder, yaitu yang berasal dari buku-buku, jurnal dan juga artikel yang relevan. Hasil penelitian ini adalah bahwa menurut Al-Maqrizi perhatian pemerintah terhadap pencetakan serta peredaran mata uang sangat diperlukan agar tidak terjadi ketidakseimbangan yang akan mengakibatkan inflasi. Adapun aplikasi pemikiran Al-Maqrizi tentang uang dan inflasi dalam konteks ekonomi modern saat ini, yaitu salah satunya dalam hal kebijakan moneter yang dapat mencegah terjadinya inflasi. Hal tersebut diperkuat dengan adanya kerja sama yang baik antara bank Indonesia yang menjalankan kebijakan moneter dengan pemerintah. Kata Kunci: Pemikiran Ekonomi, Al-Maqrizi, Aplikasi, Era Modern

IMPLEMENTASINYA PADA AKAD JUAL BELI DALAM PEMIKIRAN EKONOMI ABU HANIFAH Rosyidah, Eva; Rofiah, Khusniati
Jurnal Impresi Indonesia Vol. 2 No. 11 (2023): Jurnal Impresi Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jii.v2i11.3760

Jual beli Online pada saat ini sangat menarik minat masyarakat di semua kalangan, dengan melakukan transaksi Online banyak sekali kemudahan-kemudahan yang diperoleh baik para pelaku ekonomi maupun pelaku bisnis. Namun, disisi lain banyak juga kecurangan-kecurangan yang dilakukan oleh para pelaku bisnis dalam transaksi Online. Artikel ini fokus membahas bagaimana transaksi jual beli Online itu berjalan dalam pendekatan studi ekonomi Islam pemikiran cendekiawan Islam Abu Hanifah. Dalam kajian ini penelitian yang digunakan adalah dengan menggunakan kajian pustaka di mana peneliti menggunakan buku, artikel, jurnal sebagai bahak kajian dan sumber teori-teori yang akan di implementasikan dalam praktik jual beli Online. Dalam pemikiran Ekonomi Islam oleh Abu Hanifah terdapat akad yang selaras dengan syarat dalam transaksi jual beli Online di mana transaksi jual beli yang disepakati dengan menentukan ciri-ciri tertentu dalam akadnya membayar harga barang terlebih dahulu setelah itu barang yang telah dipesan akan diserahkan dikemudian sesuai dengan kesepakatan antara pihak penjual dan pihak pembeli. Pada akad jual beli yang dicetuskan Abu Hanifa yaitu akad Salam dan akad Istishna’, di mana kedua akad tersebut ialah kesepakatan antara penjual dan pembeli bahwa barang yang dibeli akan dikirimkan apabila pembayaran sudah dilakukan oleh pembeli secara tunai sesuai pada kontrak yang telah disepakati.

Islamic Financial Literacy Amongst Muslims and Loyalty to Fatwas Rofiah, Khusniati; Bashori, Yudhi Achmad; Wahid, Soleh Hasan
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 4 No. 2 (2022): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v4i2.1610

This study aims to determine the extent of the financial literacy of the Muslim community in Ponorogo and their loyalty to the bank interest fatwa. This paper uses a field research approach using data collection methods in the form of interviews and observations and the analysis techniques used are descriptive-inductive. Based on the analysis of the data obtained, the following conclusions were found: 1. The perception of Ponorogo Muslims is divided into no types, namely agreeing with bank interest fatwas, doubting the existence of bank interest fatwas, and ignoring the provisions of bank interest fatwas. 2. The factors influencing the observance of Ponorogo Muslims are classified into 2 categories, namely those who obey which are divided into observance based on religious values (obedience) and obedience based on religious-rational considerations (internalization observance). Then those who disobey are caused because their legal awareness is still very weak, the causative factor is the nature of the fatwa itself and some of the following: (a) There is still difficult access to Islamic banking in their area; (b) Islamic bank services that tend to be the same as conventional banks; (c) Conventional banks and Islamic banks are practically considered to be no different, both of which have not adhered to sharia principles; 3. By behavioral finance analysis, it is found that (a) Those who agree with fatwas based on religious-rational values are not found any element of bias in them. (b) who doubts that there is an element of bias in the form of overconfidence with the initial information so as not to follow the development of the next information (bias anchoring). And those who ignore fatwas have no element of bias in them because they are supported by the fact that bank interest fatwas have no significant effect on the provisions of fatwas.

The Formulation of Islamic Bank Performance Based on Contemporary Maqasid al-Sharia Luhur Prasetiyo; Khusniati Rofiah
Justicia Islamica Vol 18 No 2 (2021)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/justicia.v18i2.3163

The current measurement of the performance of Islamic banks is more on financial performance. Islamic banks have two significant roles different from conventional banks: business and social. Financial performance evaluates the business role of Islamic banks. Meanwhile, the social role of Islamic banks has not yet received an equal portion of the measurement. This article proposes an Islamic bank performance measurement system based on Sharia economic goals. This formulation is necessary to adjust the performance assessment of Islamic banks based on Islamic economic goals. By using content analysis, this research used the contemporary Maqasid al-sharia approach. To formulate a measurement of the Islamic bank performance based on the roles and objectives of Islamic economics, contemporary maqasid al-sharia was employed as the construction basis. Based on the contemporary maqasid al-sharia, the Islamic bank's performance formulation can be broken down. Then, factors in assessing Islamic bank performance can be determined on financial and social aspects. Thus, Islamic banks are in line with the goals of Islamic economics, fighting for justice and the welfare of the community (falah), the objectives of sharia (maqasid al-sharia), and the primary goal of Islamic law (masalih al-'ibad).

BPR Syari'ah di Mata Masyarakat: Studi Kasus pada BPRS al-Mabrur Ponorogo Khusniati Rofiah
Justicia Islamica Vol 4 No 1 (2007)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to analyze public perceptions of the existence and role of Islamic Rural Banks (BPR Syariah, BPRS) in the Islamic financial system, with a case study of BPRS al-Mabrur Ponorogo. This study highlights the factors that influence public trust, the level of service utilization, and the challenges faced by BPRS in increasing sharia financial inclusion. The research method used is a descriptive-qualitative approach with data collection techniques through interviews, observations, and document studies. The results showed that the community has a positive view of the sharia principles applied by BPRS, but there are still limitations in financial literacy and service accessibility. The main factors that encourage community participation are transparency, product halalness, and ease of access to financing. This study recommends improving sharia financial education and optimizing marketing strategies so that BPRSs are more competitive and inclusive in serving the community.

Reforming Qardh Practices in Islamic Banking: A Critical Analysis Based on Jasser Auda’s Maqāṣid al-Sharīah Systems Approach in Indonesia Mohammad Ghozali; Khusniati Rofiah; Khurun'in Zahro'; Mualimin Mochammad Sahid
Justicia Islamica Vol 22 No 2 (2025)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/justicia.v22i2.11165

This study examines the extent to which qardh contracts in Indonesian Islamic banking align with the higher objectives of shariah (maqasid) as conceptualised in Jasser Auda’s systems-based framework. The research addresses a gap in the existing literature, where qardh is often analysed in terms of legal-formal compliance without a critical assessment of its multidimensional ethical and social functions. The research adopts a qualitative-normative approach, utilising library research to analyse primary sources from classical fiqh, Qur’anic verses, hadiths, fatwas, and relevant regulatory texts, as well as secondary scholarly literature on qardh and Maqasid al-Shari'ah. Jasser Auda’s multidimensional maqasid framework serves as the primary analytical tool. The study reveals a significant disparity between the ideal concept of qardh as a benevolent, non-profit financial instrument and its current implementation in Indonesia, which frequently includes administrative charges, restrictive eligibility criteria, and limited outreach. Through Auda’s systems approach, the research demonstrates that properly designed qardh contracts can fulfil five maqasid dimensions: protection of wealth (equitable resource access), protection of life (emergency aid), protection of intellect (educational funding), protection of lineage (family economic support), and protection of religion (ethical lending). This study offers a conceptual reform model for aligning qardh practices with maqasid-oriented policies and product designs. It advances Islamic finance scholarship by shifting the discourse from procedural compliance toward holistic socio-economic transformation, positioning Islamic banking as a genuine instrument for justice and inclusion in Indonesia.

Judicial Disparities in Determining Children Born Out of Wedlock: Examining Legal Reasoning Between Administrative Needs and Sharia-Based Justice Mughniatul Ilma; Khusniati Rofiah; Asma' 'Alilatul Barizah Irfani
Legitima : Jurnal Hukum Keluarga Islam Vol. 8 No. 2 (2026): Legitima : Jurnal Hukum Keluarga Islam
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/legitima.v8i2.8966

Purpose – This article examines the disparity in judges' reasoning in the determination of children born out of wedlock in the Religious Court environment, with an emphasis on how judges build legal reasoning when facing the tension between administrative needs and sharia-based justice. This research aims to shift the focus of analysis from the decision's results alone to the reasoning structure that shapes the decision and its implications for legal clarity and child protection. Design/methods/approach – This study uses a normative juridical approach with a comparative case study of the three determinations of the Ponorogo Religious Court. Data were obtained from decision documents, classical and contemporary fiqh literature, and a limited number of interviews with judges. The analysis was carried out using the framework of legal pluralism, judicial discretion, and legal reasoning to capture the interaction of various norm systems in judicial practice. Findings – The results of the study show that the disparity is more attributable to differences in judges' reasoning than to differences in decision outcomes. These variations form a spectrum of approaches that reflect different degrees of integration between state law, fiqh principles, and practical considerations. The level of elaboration of legal implications, especially regarding nasab, inheritance, and guardianship, affects the clarity of the law and the decision's educational function. Research implications/limitations – This study confirms the importance of analyzing judges' reasoning in Islamic family law, but it is limited by the number of cases and specific locations. Further research can expand the scope through a comparative or socio-legal approach. Originality/value – This article offers a typology of judges' reasoning as an analytical contribution to understanding the disparity of judgments, showing that this disparity is a manifestation of legal pluralism and judicial discretion, and emphasizing the importance of the educational function of judgments in bridging state law and Islamic law.

Judicial Disparities in Determining Children Born Out of Wedlock: Examining Legal Reasoning Between Administrative Needs and Sharia-Based Justice Mughniatul Ilma; Khusniati Rofiah; Asma' 'Alilatul Barizah Irfani
Legitima : Jurnal Hukum Keluarga Islam Vol. 8 No. 2 (2026): Legitima : Jurnal Hukum Keluarga Islam
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/legitima.v8i2.8966

Purpose – This article examines the disparity in judges' reasoning in the determination of children born out of wedlock in the Religious Court environment, with an emphasis on how judges build legal reasoning when facing the tension between administrative needs and sharia-based justice. This research aims to shift the focus of analysis from the decision's results alone to the reasoning structure that shapes the decision and its implications for legal clarity and child protection. Design/methods/approach – This study uses a normative juridical approach with a comparative case study of the three determinations of the Ponorogo Religious Court. Data were obtained from decision documents, classical and contemporary fiqh literature, and a limited number of interviews with judges. The analysis was carried out using the framework of legal pluralism, judicial discretion, and legal reasoning to capture the interaction of various norm systems in judicial practice. Findings – The results of the study show that the disparity is more attributable to differences in judges' reasoning than to differences in decision outcomes. These variations form a spectrum of approaches that reflect different degrees of integration between state law, fiqh principles, and practical considerations. The level of elaboration of legal implications, especially regarding nasab, inheritance, and guardianship, affects the clarity of the law and the decision's educational function. Research implications/limitations – This study confirms the importance of analyzing judges' reasoning in Islamic family law, but it is limited by the number of cases and specific locations. Further research can expand the scope through a comparative or socio-legal approach. Originality/value – This article offers a typology of judges' reasoning as an analytical contribution to understanding the disparity of judgments, showing that this disparity is a manifestation of legal pluralism and judicial discretion, and emphasizing the importance of the educational function of judgments in bridging state law and Islamic law.

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