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The Relevance and Contribution of Al Ghazali's Thought in Islamic Business Ethics: An Overview Ian Rakhamawan Suherli; Ahmad Hasan Ridwan; Nurul Rahmah Kusuma; Muhammad Al Qarni; Naufi Fajria Azzahro; Andri Sutira
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10814

Ethics in business, can be interpreted by learning about the difference between good and right with bad and wrong in the business environment based on moral values added to halal rules and then haram, then Islam interprets business ethics as a collection of ethical attitudes and behaviors of business that are based on religious teachings by prioritizing halal and haram first. General provisions in thinking, especially business ethics according to Islam which is a science contained in the Qur'an and Al Hadith, which needs to be used as the main reference by all Islamic business actors so that in carrying out activities not only oriented to get world prosperity but also obtain prosperity hereafter. Al Ghazali has conveyed the basic principles in an effort to obtain worldly wealth as well as the Hereafter, namely with the instructions he gave on how to behave in business, basically adapted to the guidance of Islamic teachings both the Qur'an and As Sunnah or Al Hadith.

Batas Ketidakpastian Keuntungan Dalam Produk Kerjasama Keuangan Syariah: Studi Kasus Pada Akad Mudharabah Nurul Rahmah Kusuma
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 6 No. 2 (2025): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v6i2.5005

Ketidakpastian (gharar) dalam proyeksi keuntungan pada akad mudharabah di lembaga keuangan syariah menimbulkan tantangan bagi pengelolaan risiko dan kepatuhan terhadap prinsip syariah. Hal ini memerlukan pendekatan yang mampu menyeimbangkan prinsip kepercayaan dengan kebutuhan akan manajemen risiko yang terukur. Penelitian ini bertujuan untuk menganalisis batasan gharar dalam proyeksi keuntungan akad mudharabah serta mengidentifikasi mekanisme mitigasi risiko ketidakpastian yang dapat diterapkan di lembaga keuangan syariah. Adapun metode penelitian yang digunakan adalah metode penelitian kualitatif dengan pendekatan deskriptif-analitis berbasis studi kepustakaan, mengacu pada literatur terkait fiqh muamalah dan praktik keuangan syariah modern. Hasil penelitian menunjukkan bahwa ketidakpastian keuntungan pada akad mudharabah masih dapat ditoleransi selama masuk dalam kategori gharar yasir (ketidakpastian minimal) dan menggunakan kaidah "al-ghurm bil ghunm" yang memastikan bahwa keuntungan yang didapatkan beriringan dengan risiko yang timbul dikemudian hari. Ketidakpastian ini muncul dari fluktuasi pasar, kinerja pengelola dana, dan risiko operasional. Untuk memitigasi gharar, diperlukan proyeksi keuntungan yang realistis, penggunaan data akurat, transparansi informasi kepada nasabah, serta penerapan sistem monitoring yang berkelanjutan. Dengan pendekatan ini, lembaga keuangan syariah dapat menjaga prinsip syariah sekaligus memenuhi tuntutan bisnis modern.

Application of Principles and Rules for Non-Cash Transactions Using QRIS Services Maqāṣid Al-Sharīʿah Perspective Nurul Rahmah Kusuma; Hanif Nuryana
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 3 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i3.157

Widespread digital technology and financial technology (fintech) have made non-cash transactions increasingly popular and accepted by society. QRIS (Quick Response Code Indonesian Standard) is a form of non-cash transaction that is expected to increase efficiency, effectiveness, and security in terms of transactions. The research aims to analyze the principles and rules of non-cash transactions using QRIS Services from an Islamic economic perspective so that people can experience non-cash transactions safely while integrating with the ethical values of the Islamic economic system. The research method used is a type of qualitative research with a descriptive analysis approach in the form of a literature study sourced from primary and secondary book sources, consisting of a collection of primary theories and books, journal articles, and various kinds of relevant library materials. The results of this research explain that non-cash transactions using QRIS services are generally by Islamic economic principles, such as fairness, and consent, not containing elements of usury, gharar and maysir, transaction transparency, and halal. However, it should be noted that the use of QRIS must be done wisely and by Sharia corridors.

Application of Principles and Rules for Non-Cash Transactions Using QRIS Services Maqāṣid Al-Sharīʿah Perspective Nurul Rahmah Kusuma; Hanif Nuryana
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 3 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i3.157

Widespread digital technology and financial technology (fintech) have made non-cash transactions increasingly popular and accepted by society. QRIS (Quick Response Code Indonesian Standard) is a form of non-cash transaction that is expected to increase efficiency, effectiveness, and security in terms of transactions. The research aims to analyze the principles and rules of non-cash transactions using QRIS Services from an Islamic economic perspective so that people can experience non-cash transactions safely while integrating with the ethical values of the Islamic economic system. The research method used is a type of qualitative research with a descriptive analysis approach in the form of a literature study sourced from primary and secondary book sources, consisting of a collection of primary theories and books, journal articles, and various kinds of relevant library materials. The results of this research explain that non-cash transactions using QRIS services are generally by Islamic economic principles, such as fairness, and consent, not containing elements of usury, gharar and maysir, transaction transparency, and halal. However, it should be noted that the use of QRIS must be done wisely and by Sharia corridors.

Analisis Tingkat Efisiensi Kinerja Keuangan Bank Umum Syariah di Indonesia Pendekatan Data Envelopment Analysis (Periode Tahun 2020-2024) Jovan Baihaqi Irwan Putra; Cupian Cupian; Nurul Rahmah Kusuma
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 4 (2025): Juli: Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i4.1245

This study aims to analyze the level of efficiency of the financial performance of Islamic commercial banks in Indonesia using the Data Envelopment Analysis (DEA) method. This study uses a purposive sampling method and uses secondary data in the form of input and output variables from 2020 to 2024 at 10 selected Islamic Commercial Banks (BUS). Data processing was carried out using MaxDEA 12.2 software. The results of the study show that the average annual efficiency level is relatively stable, ranging from 0.773 to 0.817. 2023 recorded the highest average efficiency level, indicating an increase in input management in most banks. Conversely, 2022 was the period with the lowest efficiency, which was likely due to increasing inefficiency or less than optimal utilization of resources in that year. Individually, only Bank Panin Dubai Syariah, Bank Syariah Bukopin, and BTPN Syariah emerged as the banks with the most efficient performance, marked by efficiency scores approaching or reaching 1 in almost all years of the study.

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