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Tinjauan Hukum Ekonomi Syariah terhadap Pengelolaan Zakat Produktif di BAZNAS Kabupaten Bogor Moh. Asep Zakariya Ansori; Moh. Zainal Muttaqin; Aura Khalifa; Milka Nurul Hikmah; Yani Oktaviani; Elika Nur Padilah; Muhammad Pikri Saepulloh
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.138

This research aims to analyze the management of productive zakat in Indonesia, specifically by the National Zakat Agency (BAZNAS), from the perspective of Islamic economic law. The method used is literature study by examining secondary data in the form of laws, regulations, books, journals, and reports related to the topic of discussion. The results of the analysis show that the management of productive zakat by BAZNAS is generally in accordance with the provisions of Islamic economic law. However, there are still some weaknesses in the empowerment mechanism that need to be addressed so that the goal of empowering the economy of the Muslim community can be achieved maximally.

Pemikiran Tokoh-Tokoh Ekonomi Islam Mengenai Konsep Penetapan Harga Pasar Moh. Asep Zakariya Ansori; Abdul Aziz; Dicky Irmansyah; Irma Wati; Dinda Aulia Rahmi; Nadya Rahma Putri Latiepah; Muhammad Andri Ramadhan
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.144

This journal discusses the thoughts of Islamic economic figures regarding the concept of market price determination. The figures discussed include Ibn Taymiyyah, Al-Mawardi, Abu Yusuf, Al-Ghazali, and Ibnu Khaldun. The methodology used is literature study. The results show that according to these figures, prices should be determined by market mechanisms and the interaction between demand and supply. However, under certain conditions, for example market distortion, the government is allowed to intervene in price fixing to protect public interests. In conclusion, Islamic economic figures agree that basically prices must be determined by competitive market mechanisms, but government intervention is permitted under certain conditions to protect community interests and restore market balance.

Axiological Harmonization of Sharia Economic Law Supremacy and DSN-MUI Fatwa in Indonesia Moh. Asep Zakariya Ansori; Royani; Mugni Muhit; Irvan Hilmi; Mohamad Anton Athoillah
Al Mashalih - Journal of Islamic Law Vol. 4 No. 2 (2023): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v4i2.215

This study aims to upgrade the position of the Compilation of Sharia Economic Law (KHES) and Fatwa DSN-MUI to become a law. This is because it is very urgent to immediately publish the draft to be ratified. Because KHES and DSN-MUI Fatwa are special rules that regulate the operational system and dispute resolution of Islamic economics, apparently its position is very strategic in the scope of Islamic economics. In addition to the urgency of the position of KHES and Fatwa of the National Sharia Council, it also contains weaknesses in the existence of National law. This is because its existence is not a source of law that has the legality of national law. As Law No. 12 of 2011 concerning the Formation of Legislation, does not mention fatwa as part of the legal basis in this country, Fatwa is just an opinion or advice conveyed by Islamic law experts who are members of an organization. The Fatwa of the National Sharia Council contributed to the birth of the Compilation of Sharia Economic Law. This is certainly a breakthrough related to the legality of sharia economic law. However, the existence of KHES is a reference for Religious Court Judges as a settlement of disputes, but KHES is not in the form of a law, in fact it is only a PERMA, and this certainly affects the legal force of national legislation. Therefore, to harmonize and formulate the National Sharia Council Fatwa into KHES and raise the status of KHES to become a law is important.

Analysis of the Syar'u Man Qablana Theory and its Application in Sharia Financial Institutions Royani; Moh. Asep Zakariya Ansori; Ending Solehudin
al-Afkar, Journal For Islamic Studies Vol. 7 No. 1 (2024)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v7i1.832

The purpose of this research is to study and deepen the analysis of the theory of sharu' man qablana and its application to Islamic Financial Institutions (LKS). Although syru' man qablana blasphemy is still being debated (mukhtalaf alaih), it is different from the Qur'an, sunnah, ijma and qiyas which are classified as agreed propositions (muttafaq fih). However, the theory of sharu' man qablana can be applied to Islamic Financial Institutions (LKS) today. As was done by Prophet Yusuf and Prophet Musa AS. The Shari'a under the Prophet Muhammad is a complement to the previous Shari'a. Therefore, it is necessary to conduct research on the concept of syar'u man qablana and its application in contemporary mu'âmalah maliyyah. This research is descriptive-analytic in nature which is classified as qualitative research, namely through library research by studying primary materials in the form of ushul fiqh books, especially those related to the concept of syar'u man qablana. The results of the study show that the application of Islamic law in the field of mu'âmalah maliyyah used to be kafalah contracts, ju'âlah contracts, ijârah contracts, and other contracts.

The Impact of Inflation on the Stability of the Islamic Financial System Moh. Asep Zakariya Ansori; Yadi Janwari; Sofyan Al-Hakim
al-Afkar, Journal For Islamic Studies Vol. 7 No. 1 (2024)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v7i1.957

High inflation has become a challenge for a country's economy, including the Islamic financial system. The stability of the Islamic financial system is very vulnerable to be affected by inflationary turmoil. This study aims to determine and analyse the impact of inflation on the stability of the Islamic financial system. This research uses a qualitative method with the type of library research. Data were obtained from books, scientific journals, and relevant previous research reports. The data analysis technique uses content analysis with descriptive data presentation. The results showed that inflation exerts significant pressure on the stability of the Islamic financial system through various transmission channels. Inflation increases the cost of funds, the risk of non-performing financing, investment uncertainty, and systemic risk in Islamic financial institutions. On the other hand, price stability is a prerequisite for the stability of the Islamic financial system in carrying out the intermediation function and optimal allocation of financing. Therefore, the central bank and regulators need to take macroprudential policies to reduce inflationary pressures and maintain the stability of the Islamic financial system through adequate liquidity management, setting risk-based reserves, monitoring financial leverage, and supervising innovative financial products

Analisis Literasi Keuangan Penggunaan Fintech Payment bagi Pelaku Usaha UMKM Moh. Asep Zakariya Ansori; M. Wanri Wahyudin; Neng Ila Nurbaet; Muhamad Rama Isagozi; Siti Azkya Diva; Nadina Amira Zahra; Guslianti Nur; Muhammad Yusuf; Muhammad Tabroni
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.130

The ability to manage finances well (financial literacy) is very important for micro, small and medium enterprises (MSMEs) to run their businesses. It is hoped that the use of fintech payment services can improve the financial literacy skills of MSME players. This research aims to analyze the level of financial literacy of MSMEs that use fintech payment services. The research was conducted using a qualitative approach through case studies. Data collection using in-depth interviews and observations of 10 MSMEs using fintech in Leuwiliang Bogor. Data analysis uses the Miles and Huberman interactive model. The research results show that the use of fintech helps MSMEs in financial planning, recording transactions, and accessing financial information, and financial literacy shows that it can help MSMEs in good financial knowledge, good financial management for MSME players. Increasing MSME financial literacy such as recording transactions and planning daily expenses. MSMEs already understand because special assistance and training for the use of fintech can improve MSMEs' financial literacy better.

Axiological Harmonization of Sharia Economic Law Supremacy and DSN-MUI Fatwa in Indonesia Moh. Asep Zakariya Ansori; Royani; Mugni Muhit; Irvan Hilmi; Mohamad Anton Athoillah
AL-MASHALIH (Journal of Islamic Law) Vol. 4 No. 2 (2023): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v4i2.215

This study aims to upgrade the position of the Compilation of Sharia Economic Law (KHES) and Fatwa DSN-MUI to become a law. This is because it is very urgent to immediately publish the draft to be ratified. Because KHES and DSN-MUI Fatwa are special rules that regulate the operational system and dispute resolution of Islamic economics, apparently its position is very strategic in the scope of Islamic economics. In addition to the urgency of the position of KHES and Fatwa of the National Sharia Council, it also contains weaknesses in the existence of National law. This is because its existence is not a source of law that has the legality of national law. As Law No. 12 of 2011 concerning the Formation of Legislation, does not mention fatwa as part of the legal basis in this country, Fatwa is just an opinion or advice conveyed by Islamic law experts who are members of an organization. The Fatwa of the National Sharia Council contributed to the birth of the Compilation of Sharia Economic Law. This is certainly a breakthrough related to the legality of sharia economic law. However, the existence of KHES is a reference for Religious Court Judges as a settlement of disputes, but KHES is not in the form of a law, in fact it is only a PERMA, and this certainly affects the legal force of national legislation. Therefore, to harmonize and formulate the National Sharia Council Fatwa into KHES and raise the status of KHES to become a law is important.

Tinjauan Akad Muamalah dalam Pelaksanaan Transaksi Pre-Order: Studi Kasus HIMMPRO Ekonomi Syari’ah Febi Iuqi Bogor Moh. Asep Zakariya Ansori; Abdul Husenudin; Siti Fauziah; Nurkhopipah Istiana; Muhamad Padlan Maulidi
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 1 (2026): As-Syirkah: Islamic Economic & Financial Journal
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/

The development of technology and digital trading systems has given rise to various new forms of transactions in muamalah activities, one of which is the pre-order system. This transaction practice is widely applied in economic activities, including in student organizations. This study aims to analyze the pre-order transaction practices carried out by the Islamic Economics Student Association (HIMMPRO) of the Faculty of Economics and Business (FEBI IUQI) Bogor and review its compliance with the principles of muamalah contracts from an Islamic jurisprudence perspective. This study uses a descriptive qualitative method with a case study approach. Data collection techniques were carried out through interviews, observation, and documentation, using primary and secondary data sources. The results show that the pre-order transaction practices at HIMMPRO of Islamic Economics, FEBI IUQI Bogor, are carried out through a mechanism of ordering goods, paying a down payment (DP), the production process of goods, and settling the payment before delivery of the goods. Viewed from a muamalah jurisprudence perspective, this practice does not fulfill the provisions of the salam contract because payment is not made in full at the beginning of the contract. However, the pre-order transaction practice fulfills the pillars and requirements of the istishna contract, characterized by clear product specifications, agreed price, payment flexibility, and certainty of delivery time. Therefore, it can be concluded that the pre-order transaction practice implemented by HIMMPRO Sharia Economics FEBI IUQI Bogor is permissible (jaiz) according to sharia as long as it adheres to the principles of the istishna contract and maintains transparency and fairness in the transaction.

Dominasi Pembiayaan Murabahah di Koperasi Syariah: Analisis Berdasarkan Fatwa Dewan Syariah Nasional (DSN-MUI) Moh. Asep Zakariya Ansori; Abdul Husenudin; Salsabila Nurapipah; Saevina, M. Erga Firmansyah; Rocky Bayu Kamajaya
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 3 (2026): As-Syirkah: Islamic Economic & Financial Journal
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/s1ew3818

Murabahah financing is one of the most common types of agreements used in Islamic financial institutions, including Islamic cooperatives. The dominant use of murabahah contracts indicates that this type of contract is considered easier to implement, has a relatively lower risk, and provides certainty of profit for cooperatives. This study aims to analyze the factors causing the dominance of murabahah financing at Koperasi Syariah Ummul Quro Al-Islami and to test its alignment with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah. A qualitative method with a case study approach was employed. Primary data were obtained through interviews with the cooperative, while secondary data came from DSN-MUI fatwas, books, and scientific journals. Results indicate that the dominance of murabahah is influenced by the ease of transaction mechanisms, relatively lower risk, profit margin certainty, and high member interest in fixed-installment schemes. The implementation at this cooperative is generally in accordance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000, as demonstrated through price transparency, clear margins, and mutual consent in contract execution.

Analisis Penetapan Ujrah dalam Akad Rahn Tasjily Perspektif Fatwa DSN-MUI No. 68/DSN-MUI/III/2008 dan Ekonomi Syariah Moh. Asep Zakariya Ansori; Siti Nurhalizah; Nailah Ahada Pramitha; Muhammad Najmi Nurul Hadi; Muhammad Fathir Musta’wan
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 3 (2026): As-Syirkah: Islamic Economic & Financial Journal
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/rsjs9s43

Salam and Istisna' contracts are two order-based sale-purchase financing instruments within the Islamic financial system that have received legal legitimacy through DSN-MUI Fatwa No. 05/DSN-MUI/IV/2000 on Salam Sale-Purchase, Fatwa No. 06/DSN-MUI/IV/2000 on Istisna' Sale-Purchase, and Fatwa No. 22/DSN-MUI/III/2002 on Parallel Istisna'. Although both have been formally issued as fatwas for more than two decades, their utilization in the practice of Islamic financial institutions in Indonesia remains limited and has not been optimized. This study aims to analyze the substance of DSN-MUI fatwas concerning Salam and Istisna' contracts, to identify their characteristics, pillars, conditions ,and fundamental differences as Islamic financing instruments, and to formulate strategies for strengthening their implementation. The method employed is library research with a normative-juridical qualitative approach, examining DSN-MUI fatwas, classical and contemporary muamalah fiqh literature, Islamic banking regulations, and relevant scientific journals. The findings indicate that the Salam contract functions effectively as a financing instrument for the agricultural and commodity sectors, with a payment-in-advance and later-delivery mechanism, whereas the Istisna' contract is more suitable for financing the construction, property, and production-order-based manufacturing sectors. The differences between the two lie in the object of the contract, the payment mechanism, and the timing of goods delivery. This study also reveals that the weak implementation of both contracts is caused by practitioners' limited understanding, the risk of delivery default, moral hazard, and the lack of optimal synchronization between DSN-MUI fatwas and the technical regulations of the Financial Services Authority. This research recommends a risk mitigation scheme in the form of integrating Islamic agricultural insurance for Salam and third-party bank guarantees for Istisna', which is expected to contribute to strengthening the conceptual foundation for the development of Islamic financing products that favor the real and productive sectors.

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