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All Journal Iqtishoduna: Jurnal Ekonomi Islam Proceedings of Femfest International Conference on Economics, Management, and Business Proceedings of Femfest International Conference on Economics, Management, and Business
Arizqiya Nurfattah
Universitas Darussalam Gontor
Economics, Econometrics & Finance Social Sciences

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Ijarah Application in Shari’ah Mutual Funds Suyoto Arief; Erika Rishan Adillah; Arizqiya Nurfattah
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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Abstract

Investment is one way to increase income. The Islamic capital market is one of the instruments for investing that functions as a bridge between investors and entrepreneurs who need capital with the basis and principles of Shari'a. The Islamic Capital Market provides various products including Sharia mutual funds. The mechanism for implementing Shari'a Mutual Funds involves Investment Managers (MI) who represent all investors and Custodian Banks as banks that maintain, maintain, and guarantee the security of investors' money. With so many parties involved in mutual funds, it is possible that the contracts used are various. The purpose of this study is to identify the application of ijarah in sharia mutual funds. This research uses qualitative calculations. Data sourced from the Quran, al-Hadith, opinions of scholars and economists, journals both printed and online materials. The results of this study illustrate that the application of ijarah in Sharia mutual funds is found in the provision of wages/rewards (ujroh) to Custodian Banks for services in investment administration, securities storage and investment funds from Mutual Funds taken from net asset value (NAV) calculated in percentages. However, there are still irregularities, in which wages (ujroh) are calculated in percentage terms. The determination of wages should be calculated by nominal not by percentage, because it includes the form of gharar that is forbidden in sharia.
Ijarah Application in Shari’ah Mutual Funds Suyoto Arief; Erika Rishan Adillah; Arizqiya Nurfattah
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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

Abstract

Investment is one way to increase income. The Islamic capital market is one of the instruments for investing that functions as a bridge between investors and entrepreneurs who need capital with the basis and principles of Shari'a. The Islamic Capital Market provides various products including Sharia mutual funds. The mechanism for implementing Shari'a Mutual Funds involves Investment Managers (MI) who represent all investors and Custodian Banks as banks that maintain, maintain, and guarantee the security of investors' money. With so many parties involved in mutual funds, it is possible that the contracts used are various. The purpose of this study is to identify the application of ijarah in sharia mutual funds. This research uses qualitative calculations. Data sourced from the Quran, al-Hadith, opinions of scholars and economists, journals both printed and online materials. The results of this study illustrate that the application of ijarah in Sharia mutual funds is found in the provision of wages/rewards (ujroh) to Custodian Banks for services in investment administration, securities storage and investment funds from Mutual Funds taken from net asset value (NAV) calculated in percentages. However, there are still irregularities, in which wages (ujroh) are calculated in percentage terms. The determination of wages should be calculated by nominal not by percentage, because it includes the form of gharar that is forbidden in sharia.
Public Housing Waqf: An Innovative Approach to Sustainable Urban Welfare through Islamic Social Finance Arizqiya Nurfattah; Fadhila Tianti Mudi Awalia; Azzam Al Hanif; Ibnu Hammam
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3126

Abstract

Home is one of the primary human needs that supports family education and fosters children's character, preparing the younger generation and society. Unfortunately, not everyone can have the ideal home to create an economically viable family living environment. One of the Islamic financial instruments is waqf, which is expected to support all aspects of finance, including the procurement of houses, both as residences and businesses. The term housing waqf refers to providing services to small communities without housing, which a waqf organization will manage. The purpose of the study is to analyze the impact of the public housing waqf program on people's welfare. This research uses a combination of library and field research to provide both theoretical grounding and empirical evidence. The results show that not everyone can afford a livable house, so the ideal function of the home cannot be realized in family development. This is due to the government's lack of attention to the poor. Waqf for people's welfare emerges as a way to overcome family economic problems and ensure sustainable community welfare.
Co-Authors Azzam Al Hanif Erika Rishan Adillah Fadhila Tianti Mudi Awalia Ibnu Hammam