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Sejarah Uang, Fungsi, dan Peranannya Dalam Perkembangan Ekonomi Menurut Pakar Ekonomi Syariah Ichsan, Atikah Nurul; Sari, Febria Lesmita; S, Syahpawi
Nanggroe: Jurnal Pengabdian Cendikia Vol 3, No 1 (2024): April
Publisher : Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11093814

Abstract

This research aims to explain the concept of money based on the Islamic economic system. This research uses a library research approach as a method of data collection by involving the understanding and study of existing theories in various relevant literature sources. The findings of this study include money based on the Islamic economic system is as a medium of exchange. The concept of money in the Islamic economic system is a flow concept. That slam does not recognize the motive of the need for money for speculation because it is not allowed or prohibited. Before money was invented, people used the barter system to meet the needs of life. In the history of money according to Islamic economics, the gold dinar and silver dirham have been authorized as official currency since the time of the prophet Muhammad SAW. Money in the Islamic economic system has a function as a means of exchange, a unit of calculation or measure of value, and a store of value.
Mekanisme Transaksi E-Commerce Menurut Perspektif Ekonomi Syariah (Study Kasus Masyarakat Muslim Indonesia, Malaysia dan Singapura) Jannah, Nisa Zahratul; Dwi, Septy Rahma; S, Syahpawi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 1, No 9 (2024): April
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11075710

Abstract

In this modern era, technological developments have spurred changes in individual habits in carrying out buying and selling transactions. Currently the buying and selling model has progressed, which we know as online buying and selling, where when a buyer wants to buy an item no longer needs to come and meet face to face with the seller, just by using a gedjet and laptop, the item ordered will arrive. With the various conveniences available, many people choose to shop online on the grounds that they can save time and don't have to leave the house. However, there are some drawbacks and impacts for the real market. One of the impacts is that the market is starting to be empty of buyers. In some cases, there are shortcomings in online shopping, including the presence of sellers who are not trustworthy, so that the goods ordered do not match those in the picture. Sometimes the description of the item does not match the photo shown. Another case is that there is a buyer who is not trustworthy with his order, when he orders goods purchased using the COD payment method, after the goods arrive the buyer does not want to pay for them. This aims to analyze the e-commerce transaction mechanism according to perfective sharia economics. The results of the analysis concluded that in terms of technical transactions, whether in the form of buying and selling services or goods, if the goods are delivered in a reliable manner because they are non-digital, then e-commerce transactions can be analogous to buying and selling al-salam, which has been regulated since its inception. Islam through the Sunnah of the Prophet PBUH. The use of e-commerce in Indonesia is permitted as long as both parties understand each other. The development of the use of e-commerce has had a big influence on various countries, both locally and internationally, including Singapore, Indonesia and Malaysia.
Industri Pasar Uang Syariah di Asia Tenggara S, Suzana; Despileny, Iren; S, Syahpawi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 1, No 9 (2024): April
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11107343

Abstract

This research aims to analyze the Islamic money market in the context of Islamic economics in Southeast Asia. Understanding the definition of Islamic money market, its functions, mechanisms, objectives, as well as the instruments used in the Islamic money market. In addition, this research also highlights the importance of the money market in meeting the working capital and liquidity needs of companies in accordance with Islamic principles. This research uses the literature study method, collecting information and data through literature studies and conducting content analysis from various sources relevant to the money market in the context of Islamic economics in Southeast Asia. The data collected was analyzed using a qualitative approach, which involved coding, data reduction, and conclusion drawing. In this context, Islamic money markets are considered an important alternative in a financial system that adheres to Shariah principles.
Kebijakan dan Implementasi Ekonomi Syariah di Arab Saudi (Studi Komparasi Pertumbuhan dan Perkembangan Ekonomi Syariah di Negara Islam) Permana, Febrian; M, Mukhlis; Y, Yudi; Syahrial, Murah; S, Syahpawi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 3 (2024): Madani, Vol. 2, No. 3 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.12661368

Abstract

This research examines sharia economic policy and implementation in Saudi Arabia. In this paper, researchers use a qualitative approach with the main data source from library data. The study results show that Saudi Arabia continues to innovate and develop its infrastructure to support sustainable sharia economic growth. The development of the sharia economy in Saudi Arabia is due to effective policies and implementation. Government support, strict regulations, and high public awareness of sharia principles are key factors in this success. Even though it still faces several challenges, the prospects for the sharia economy in Saudi Arabia are very bright and have great potential to continue to grow in the future. With the right strategy, the sharia economy in Saudi Arabia can continue to grow and make a significant contribution to the country's economic diversification and stability.
Perkembangan dan Pelaksanaan Lembaga Wakaf di Negara Sekuler (Singapura dan Thailand) Saputra, Iin; Brilliyandra, Fradini; S, Syahpawi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 3 (2024): Madani, Vol. 2, No. 3 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11003209

Abstract

The comparison between Singapore and Thailand in terms of the development and implementation of waqf institutions is interesting to explore. The two countries have different approaches to waqf management, both in terms of regulations and practical application in the field. Writing this paper can provide valuable insight into how secular countries can facilitate waqf institutions within the applicable legal and policy framework. In addition, further exploration of the contribution of waqf in the development of Muslim societies in these secular countries can provide a clearer picture of the resulting social and economic impacts. This can also help strengthen regional cooperation in the field of sharia finance and encourage inclusive economic growth in the Southeast Asia region. This research is a literature study with a qualitative approach to look at the development and implementation of waqf institutions in Singapore and Thailand. The main data source in this research is from written sources that are directly related to the research. In data analysis, the author uses qualitative analysis by coding data, reducing data, and drawing conclusions. The research results show that the history of waqf in Singapore began with the initial founding of the country by immigrants from Hadramaut, Yemen. Meanwhile, in Thailand, waqf is managed independently by families and communities without any special state regulations. Waqf management in Singapore is handled by Muis Ugama Islam Singapura (Muis), which acts as a legal and supervisory body. In Thailand, waqf management is managed by Chularajmontri, the Provincial Committee for Islamic Affairs, and the Mosque Committee, which play a role in managing waqf properties. Waqf administration in Singapore is more structured and regulated by Muis. In Thailand, waqf management is more community and family in nature, facing challenges related to professional expertise and innovation in waqf development.
Industri Pasar Modal Syariah di Malaysia dan Indonesia Permana, Febrian; Aris, Muhammad; S, Syahpawi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 4 (2024): Madani, Vol. 2, No. 4 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11109398

Abstract

This research aims to explain how the development, growth and role as well as the potential for cooperation between Islamic capital markets in Malaysia and Indonesia. This research includes a literature study, using data collection methods namely browsing files, internet websites, documents and information related to the object of research including relevant books. The result of this research is that there is still uneven understanding and or knowledge of the Indonesian people about investing in sharia-based capital markets, also not supported by adequate regulations on sharia investment in the Indonesian capital market, as well as the assumption that investing in the Islamic capital market requires relatively more expensive costs when compared to investing in other financial sectors. While the Islamic capital market has experienced significant growth, there are still challenges in creating a variety of products and instruments that comply with sharia principles and can fulfil the needs of investors.
Komparasi Financial Teknologi Syariah di Negara Indonesia dan Malaysia Saputra, Randa Fajar; Y, Yusra; S, Syahpawi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 4 (2024): Madani, Vol. 2, No. 4 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11109956

Abstract

Verse 133 of Surah Al-Baqarah in the Koran reflects an important moment in history when the prophet Yakub (Jacob) was nearing the end of his life and spoke to his children about their spiritual choices after his death. (133) Were you witnesses when death came to Jacob, when he said to his sons, "What will you worship after I die?" They answered, "We will worship your God and the God of your ancestors, namely Abraham, Ishmael and Isaac, (namely) God Almighty and we (only) surrender to Him." This verse describes the strong testimony of the descendants of Ibrahim (Abraham), Ismail (Ishmael), and Ishaq (Isaac) about their loyalty to Allah Almighty. They vowed to continue worshiping Allah and continuing the divine legacy that had been passed down by their ancestors. This paper will outline the historical context of this verse, the deep meaning of loyalty to one God, and the universal message about faith, devotion, and spiritual continuity in human life. This verse reminds us of the importance of maintaining the legacy of faith and obedience to Allah, which is a strong foundation for a meaningful and blessed life.
Isu-Isu Kontemporer dan Solusi Pengembangan Perbankan Syariah Rangkuti, Ayub; Y, Yudi; S, Syahpawi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 4 (2024): Madani, Vol. 2, No. 4 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11104818

Abstract

The existence of Islamic banks in Indonesia was established to avoid the issue of interest which continues to be a long debate which is feared to contain elements of usury. Therefore, every Sharia banking activity must be protected from usury. Efforts to avoid these concerns include implementing profit sharing. The Muslim community's understanding of sharia banking is still limited to routine religious activities, even though sharia banking covers all aspects of life. It is time to change this perspective or issues and how to increase Sharia financial literacy among the community in order to expand access and use of Sharia banking services. In this paper, the author uses a qualitative descriptive method to look at issues related to sharia banking. The data source in this research is library data where the author collects writings, books, journals related to the main issue of the study. In data analysis, the author uses qualitative analysis methods starting with data coding, data reduction, and drawing conclusions. From the analysis of the discussion or explanation it was found that it was in accordance with this paper. that efforts to develop the existence of sharia banking are a very important orientation considering that its existence is the 'life' and 'soul' of the Muslim community in order to help alleviate community poverty which is mostly experienced by Muslims. There are a number of problems as well as solutions for the development of sharia banking so that it can run optimally, aspects of commitment to implementation, aspects of human resources, and sharia banking marketing strategies to innovate products according to community needs.
Perkembangan dan Pelaksanaan E-Money di Malaysia, Pakistan dan Afghanistan Fadhil, Muflihul; M, Mukhlis; S, Syahpawi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 3 (2024): Madani, Vol. 2, No. 3 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11058204

Abstract

This research aims to determine the development and implementation of e-money in Malaysia, Pakistan and Afghanistan. This research includes literature study, a method of collecting data by browsing files, internet websites, documents and information related to the research object including relevant books. The results of this research are that according to the Bank for International Settlement (BIS), electronic money is an amount of money that is stored in electronic media owned by a person. E-money is experiencing development in various countries. In Malaysia, E-Money is issued under the name EMI (Electronic Money Publisher) which is tasked with issuing Sharia-based electronic money. On December 30 2022, the Central Bank of Malaysia, Bank Negara Malaysia (BNM) issued several E-Money such as Wise, Touch 'n Go, GrabPay, MAE, BigPay, Boost, GoPayz, WeChat Pay, AliPay, Merchantrade Money. In Pakistan in 2009 Telenor Microfinance Bank published EasyPasia which is the most popular mobile wallet for the people of Pakistan. In 2012 Pakistan launched Jazzcash (a digital payment and branchless banking service) introduced as 'Mobicash' and partnered with Mobilink Microfinance Bank. In 2013, UPaisa was established, a joint venture between U Microfinance bank & Ufone Company, a mobile wallet that offers convenient transactions. In Pakistan there is also Sapapay (Exclusive Payment Solution in Pakistan) which is widely used by Pakistani expatriates. In Afghanistan in 2016, Sanzar Kakar founded HesabPay, HesabPay became the first and only interoperable digital payment platform in Afghanistan, first built as a solution to the humanitarian aid crisis, organizations used the HesabPay platform for payments by sending funds directly to 400 people. districts and 34 provinces in Afghanistan.
Kepatuhan Syariah dalam Pengelolaan Haji dan Umrah: Tinjauan Kualitatif terhadap Kebijakan dan Implementasinya di Indonesia Mahera, Rofiqo Meili; S, Syahpawi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 12 (2025): July 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

The country with the largest Muslim population in the world, the management of pilgrimage and Umrah is not only an administrative responsibility, but also a religious trust that must comply with the principles of sharia economics. This research aims to analyze the level of Shariah compliance in the management of Hajj and Umrah in Indonesia through a study on its policies and implementation. The research method adopted was a descriptive qualitative approach with data collection techniques in the form of in-depth interviews with policy makers in the Ministry of Religious Affairs, Hajj Financial Management Agency (HJM) managers, as well as Umrah industry actors. Additionally, a documentation study of formal regulation as well as observation of practices in the field was conducted. The study results show that from a regulatory aspect, the Indonesian government has built a legal and institutional framework that supports the implementation of Hajj and Umrah based on Shariah principles. However, in its implementation there are still a number of challenges, such as lack of transparency of fund management, uneven service quality of Umrah pilgrimage trip organizers (PPIU), as well as weak Shariah supervision at the operational level. Some PPIUs have not fully implemented the principles of accountability and trustworthiness in service to the congregation. On the other hand, the management of funds by BPKH has led to Shariah investment, but still needs refinement to be more convenient and oriented to the interests of the congregation. The study recommended the strengthening of Shariah-based supervision systems, improved Shariah literacy for practitioners and congregants, as well as optimizing the Shariah Supervisory Board’s role in overseeing every stage of Hajj and Umrah management. Thus, Shariah compliance in the management of pilgrimage and Umrah in Indonesia can be realized thoroughly and sustainably