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PROSES PELAKSANAAN AKAD QARDH WAL IJARAH PADA PRODUK TALANGAN HAJI PADA BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU PADANG PANJANG Awaluddin, Awaluddin
JURIS (Jurnal Ilmiah Syariah) Vol 15, No 2 (2016)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (516.008 KB) | DOI: 10.1234/juris.v15i2.494

Abstract

The agreement of qardh wal ijarah for the product of pilgrimage bailout has been implemented by some sharia banks In Indonesia following fatawa of DSN No. 29/DSN-MUI /IV/2002 about product of pilgrimage bailout. In one side, this implementation made much easier for those to realize their dreams to go for pilgrimage. On the other side, such implementation raised a very challenging question whether  the implemtatation has fulfilled the rules expected by the fatawa. Based on a study conducted, it revealed that the process of proposing product of pilgrimage bailout by the customers of BSM of Kota Padang Panjang supporing branch office was done as it was required by the mechanism by considering 5C factors as standard procedure for realizing the finance. In realizing pilgrimage bailout, this institution referred to the fatawa of  MUI about pilgrimage bailout in which the customer should have settled the bailout before the depart to pilgrimage. This also implies that the bank has the rights to cancel the customers’ departure in the case of inability to settle the bailout. Dealing with this implementatiom, bank is benefited  from the ujroh based on the agreement between the bank and the customer. Customers, on the other hand, are required to pay expenses dealing administration and insurance as the consequences of the agreement. Furthermore, the customers are benefitted from  gaining portion ahead and are allowed to pay in installments for the pilgrimage.
INFLASI DALAM PRESPEKTIF ISLAM (ANALISIS TERHADAP PEMIKIRAN AL-MAQRIZI) Awaluddin, Awaluddin
JURIS (Jurnal Ilmiah Syariah) Vol 16, No 2 (2017)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (308.953 KB) | DOI: 10.1234/juris.v16i2.973

Abstract

Inflation is one of the macroeconomic symptoms associated with the decline in exchange rates (money) on goods and services market. One of the leaders of Islamic economics who specializes in his discussion of macroeconomics is al-Maqrizi. The solution offered by al-Maqrizi related to the problems that occurred in Egypt is to use the natural monetary system, the dinar and dirham become the base currency, while the fulus is published in a limited and only to buy trivial goods. Al-Maqrizi set the relative price for dinar, dirham and fulus. The relative price of dinar and dirham is 1:24, while the relative price between dirham and fulus is 1: 140. In addition to providing solutions to address the above three issues, al-Maqrizi also proposed solutions in a social perspective. This gives the conclusion that the impact of the economic crisis depends on the nature of income and wealth of each group. If the income is fixed or inflated but lower than the rate of inflation, then the condition is severe. Conversely, if their income rises higher than the rate of inflation, then their material welfare increases. Likewise with wealth in the form of money, they suffered losses because their purchasing power continued to decrease and they also had to increase the cost to meet the demands of the ever-increasing need.
STUDI LITERATUR TUJUAN IDEAL LEMBAGA KEUANGAN DAN PERBANKAN ISLAM Andri Soemitra; Awaluddin A; Aqwa Naser Daulay
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam │ Vol. 8 │ No. 2 │ 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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

Abstract

Islamic financial and banking institutions are implementation of Islamic economics teachings. Therefore, the goal of Islam must also be the goal realized by Islamic banking and financial institutions. However, in reality, there are many criticisms related to the orientation of Islamic financial institutions and banking objectives which focus more on achieving financial benefits and developing more legalistic financial services but neglect to the objectives as outlined by maqasid al-shariah. This research examines the growing literature studies related to the problems of Islamic financial and banking institutions related to their ideal goal as a form of institutionalization of Islamic values and principles. This study uses a qualitative approach using the Publish and Perish software tool to collect journal articles relevant to the purpose of this study. The contents of the collected articles were analyzed using content analysis and then the data was triangulated to come to a conclusion. The main findings of this study indicate that the objectives of Islamic banking and financial institutions should be to codify maqasid sharia as the ideal goal by taking into account spiritual, social and financial goals.
Sinergi Pengelolaan Zakat dan Wakaf Produktif dengan Mengembangkan Lembaga Keuangan Mikro Finance Syariah di Indonesia Awaluddin Awaluddin; Iiz Izmuddin; Rusyaida Rusyaida; Rina Anggraini; Vewi Julita
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (435.61 KB) | DOI: 10.47467/alkharaj.v4i6.1092

Abstract

This research is entitled Synergy for the Management of Productive Zakat and Waqf with the Development of Sharia Micro Finance by using descriptive research methods with a qualitative approach. The sources of data in this study are in the form of observation and reviewing several books and readings related to this discussion and comparing them with expert opinions and materials from seminars that discuss the issues under study. Data analysis was carried out qualitatively by interpreting data, facts and information that had been collected through intellectual understanding empirically and then studied in an in-depth way so as to produce a picture of the actual data. The management of zakat and productive waqf is generally under the control of amil zakat agencies and waqf institutions through Nazir waqf. The formula developed in the management of zakat and waqf has not been unified and combined in the management aspect between zakat management and waqf management. The utilization of productive zakat and waqf through Islamic microfinance institutions can be described by a model of adjusting zakat and waqf management in the aspect of zakat and productive waqf utilization through Islamic microfinance institutions. With the adjustment model of zakat and waqf management, it will be expected to give birth to an agreement in the management of zakat and productive waqf through sharia microfinance institutions
Kedudukan Fatwa DSN-MUI dalam Transaksi Keuangan pada Lembaga Keuangan Syariah di Indonesia Awaluddin Awaluddin; Andis Febrian
Alhurriyah Vol 5, No 2 (2020): Juli - Desember 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/alhurriyah.v5i2.3366

Abstract

National Sharia council fatwa is a reference by every sharia financial institution in Indonesia in carrying out its operations. To implement sharia compliance by sharia financial institutions as formed as an extension of the DSN to oversee every financial institution to be in line with sharia principles. A problem that often arises in Islamic financial institutions is that the fatwa issued by DSN requires studies and opinions from DPS in operational techniques in Islamic financial institutions. the existing fatwas have not yet been represented in technical transactions at financial institutions. This research is a sociological juridical study, which examines the existence of MUI fatwas and the development of sharia economy and how the legal relationship between the MUI fatwa and the implementation of sharia economy in Indonesia with applicable laws and regulations. The results of this study see that the position of the fatwa in the perspective of banking law in Indonesia as a juridical reason for the legislature to set in the legislation. Besides that, the DSN fatwa as a technical basis for supervision is regulated in the laws and regulations on Islamic banking. From the data obtained that the position of fatwa in sharia banking has become a reference in every transaction for the future, each DPS in sharia financial institution is expected to not only be an independent board that is complementary but has a special position and staff in charge of each transaction carried out in the hope of implementing Sharia principles are maximally implemented. Fatwa dewan syariah nasional merupakan rujukan oleh setiap lembaga keuangan syariah di Indonesia dalam menjalankan opersionalnnya. Untuk menjalankan kepatuhan syariah oleh lembaga keuangan syariah maka dibentuklah Dewan Pengawas Syariah (DPS) sebagai perpanjangan tangan dari Dewan Syariah Nasional (DSN) untuk mengawasi setiap lembaga keuangan untuk sejalan dengan prinsip syariah. Problem yang sering muncul di lembaga keuangan syariah adalah fatwa yang dikeluarkan oleh DSN membutuhkan kajian dan opini dari DPS dalam teknis operasional di lembaga keuangan syariah. Fatwa yang sudah ada belum semuannya terwakili dalam teknis transaksi pada lembaga keuangan. Penelitian ini merupakan suatu penelitian yuridis sosiologis, yaitu meneliti tentang keberadaan Fatwa-fatwa MUI dan perkembangan ekonomi syariah dan bagaimana hubungan hukum antara fatwa MUI dan pelaksanaan ekonomi syariah di Indonesia dengan peraturan perundang-undangan yang berlaku. Hasil penelitian ini melihat bahwa kedudukan fatwa dalam prespektif hukum perbankan di Indonesia sebagai alasan yuridis bagi lembaga legislasi untuk menetapkan dalam aturan perundang-undangan. Disamping itu juga fatwa DSN sebagai dasar teknis pengawasan yang diatur dalam aturan perundang-undangan tentang perbankan syariah. Dari data yang diperoleh bahwa kedudukan fatwa pada perbankan syariah sudah menjadi rujukan dalam setiap transaksi untuk kedepannya setiap DPS yang ada dilembaga keuangan syariah diharapkan tidak hanya sebagai dewan independen yang besifat sebagai pelengkap tetapi memiliki kedudukan dan staf khusus yang membidangi setiap transaksi yang dijalankan dengan harapan pelaksanaan prinsip syariah maksimal dilaksanakan.
Aplikasi Prinsip Ekonomi Islam Dalam Menyelesaikan Persoalan Ekonomi Yefri Joni; Awaluddin Awaluddin; Sinky Adella; Rina Anggraini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (312.605 KB) | DOI: 10.47467/alkharaj.v4i6.1458

Abstract

As a religion and a system of life, Islam has provided a solution to today's economic problems. Poverty, unemployment, scarcity and economic inequality are economic problems that never end, and even raise new problems. Instruments and principles of Islamic teachings such as Tauhi, Khilafah, Togetherness and justice are basic values ​​that will give happiness to humans in meeting their needs. The principle of monotheism teaches an attitude to always be protected from everything that will damage human life. This principle is revealed to be an integral part of the behavior of consumers, producers and distributors. Absolute Ownership or absolute ownership is Allah SWT and is realized by humans, so this value becomes a part in realizing benefit in fulfilling needs and reducing or even eliminating economic problems such as poverty, unemployment and economic inequality. This problem arises because humans feel that they have all the economic resources and are free to use them without any binding value, even though humans are only given temporary rights in controlling these resources (relative ownership). Real analysis of economic problems will be realized through awareness as a servant of God who is given the mandate to manage this nature, it will bring about sufficient simplicity. The caliphate aspect as an Islamic economic principle provides a way to solve economic problems by maximizing the function of the state as an economic control and controller in order to achieve mutual benefit. While the aspect of justice contributes to solving economic problems by providing space proportionally by always encouraging economic growth through existing economic potential and poverty protection through income distribution (zakat, infaq and shadaqah), justice will be realized together in the frame of brotherhood. Keywords: Islamic Economic Principles; Solving Economic Problem
PASAR MODAL SYARIAH : ANALISIS PENAWARAN EFEK SYARIAH DI BURSA EFEK INDONESIA AWALUDDIN AWALUDDIN
Maqdis: Jurnal Kajian Ekonomi Islam Vol 1, No 2 (2016): Juli - Desember 2016
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v1i2.42

Abstract

The theme of the article is based on economic principles Islam. The purpose of writing the article is: to analyze the Sharia in BEI exchange offer. Research is the study of literature. The index of sharia has become a part or the instrument in capital market transactions. Any securities that enter the Islamic capital market flows through a rigorous selection on sharia indekk that JII (Jakarta Islamic Index). The selection is part of the bidding process before the Islamic securities offered to investors through the capital market. Among the sharia always dimanati index at the level of investors were shares of sharia, Islamic mutual funds, Islamic bonds (Sukuk) which is a part that can not be separated in capital market transactions. The institute is a precondition towards Islamic securities with principal business does not conflict with Islamic law, as stated in a fatwa DSN-MU. In the presence Index sharia, the Islamic banks, Takaful and other Islamic financial institutions have alternatives to invest their funds and distribute their profits to their clients.
The Indonesian Ulema Council Fatwa Analysis on The Environment and Their Relationship to The Green Economics Concept Development Iiz Izmuddin; Rusyaida Rusyaida; Gusril Bashir; Pendi Hasibuan; Awaluddin Awaluddin
Jurnal Syntax Admiration Vol. 3 No. 12 (2022): Jurnal Syntax Admiration
Publisher : Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jsa.v3i12.536

Abstract

The Majlis Ulama Indonesia is an independent institution tasked with providing answers to religious and social issues of the people. As an independent institution, the MUI has the responsibility to issue fatwas that can promote the benefit of society and the environment so that shared prosperity can be realized. At this time the MUI has issued a Fatwa on the environment which aims to protect and maintain the sustainability of the existing ecosystems in every community environment. Of course this needs to be analyzed whether the MUI fatwa has met the sustainability aspects and its linkages with green economic aspects as a measure of environmental welfare. The methodology used in this research is qualitative with a content analysis approach, (literature study), namely by analyzing the books and fatwas related to this research, so that conclusions can be obtained. The results of this study indicate that the method and analysis of environmental sustainability in MUI fatwas related to the environment have used methods that are commonly used so far, while the contents of the fatwa are related to sustainability of the existence of ecosystems and the environment, but MUI's arguments have not included the latest research results. about the environment. MUI fatwas related to the environment have accommodated green economic principles as seen in the general provisions contained in the fatwa decisions.