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Evaluation of the Compatibility of the Bpkh Hajj Financing Scheme with Sharia Finance Principles in Medan City Asriadi, Ari; Marliyah, Marliyah; Siregar, Saparuddin; Muhammedi, Ssonko
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 14, No 2 (2024)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2024.14(2).%p

This research aims to evaluate the suitability of the BPKH hajj financing scheme with Sharia financial principles in Medan City. In facing economic complexity and developing values, the Hajj Financial Management Agency (BPKH) needs to continue to innovate. The research used a qualitative approach with a focus on Sharia principles, involving analysis of official BPKH documents, financing policies, and in-depth interviews with Hajj pilgrims. Asil shows a strong commitment to the prohibition of usury, with an investment mechanism by Sharia principles. Evaluations from BPKH, MUI, and the Ministry of Religion show support and efforts to increase transparency. Although the majority of Hajj pilgrims are satisfied, there are concerns regarding transparency and distribution of benefits. BPKH leaders stand out as champions of Sharia principles, while Hajj pilgrims' hopes include increased transparency and fair distribution of benefits. In conclusion, the scheme has made positive progress but needs further focus on transparency and distribution of benefits.

THE CHARACTERISTICS OF PROPERTY AND OWNERSHIP IN THE ISLAMIC ECONOMY Asriadi, Ari; Nasution, M. Yasir; Sugianto, Sugianto
Academy of Education Journal Vol. 14 No. 2 (2023): Academy of Education Journal
Publisher : Fakultas Keguruan dan Ilmu Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/aoej.v14i2.1547

The concept of property ownership in Islam has unique characteristics, which are in line with human nature. In contrast to the two currently developing concepts, capitalism and communism, neither system has succeeded in bringing individuals or groups into harmony with a social order of life. Individual property rights freedom is the foundation of the concept of capitalism, and the abolition of individual property rights is the main goal of socialism-communism teachings. Because humans are born into the world and do not own any property, the purpose of this paper is to investigate Islam's concept of ownership (the owner of the universe, the role of humans, and who provides everything). This article uses the literature study method, which entails gathering information from various sources, including books and related articles on property ownership in Islam. The findings of this study show that God owns everything in the universe, and humans did not have property in the world at first, but all the gifts that God gave with the guidance to use them as well as possible for the benefit of many people.

Paradigma Ekonomi berkelanjutan di Negara Berkembang Dalam Perspektif Islam Asriadi, Ari; Harahap, Isnaini; Nawawi, Zuhrinal M.
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12794

This article aims to uncover the dynamics of economic development in developing countries and analyze the influencing factors, focusing on identifying opportunities and challenges in achieving sustainable development. The research method utilized Systematic Literature Review (SLR), enabling the collection, evaluation, and synthesis of diverse literature related to the economic development of developing countries from 2018 to 2023. The results indicate that this study highlights the paradigm shift in the economy from the agricultural sector to the industrial and service sectors while emphasizing significant challenges such as economic inequality, limited access to healthcare and education, and negative environmental impacts. The principles of state and sustainability in Islamic economics, which are based on justice and balance, can be a strong foundation in facing economic challenges.

Paradigma Ekonomi berkelanjutan di Negara Berkembang Dalam Perspektif Islam Asriadi, Ari; Harahap, Isnaini; Nawawi, Zuhrinal M.
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12794

This article aims to uncover the dynamics of economic development in developing countries and analyze the influencing factors, focusing on identifying opportunities and challenges in achieving sustainable development. The research method utilized Systematic Literature Review (SLR), enabling the collection, evaluation, and synthesis of diverse literature related to the economic development of developing countries from 2018 to 2023. The results indicate that this study highlights the paradigm shift in the economy from the agricultural sector to the industrial and service sectors while emphasizing significant challenges such as economic inequality, limited access to healthcare and education, and negative environmental impacts. The principles of state and sustainability in Islamic economics, which are based on justice and balance, can be a strong foundation in facing economic challenges.

Crisis Navigation in Business (Lessons from the Management of Prophet Nuh AS) Wahyuni, Sri Wahyuni; Asriadi, Ari; Tanjung, Hendri; Bi Rahmani, Nur Ahmadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4540

This study aims to analyze the crisis in the story of Prophet Nuh AS and apply it to context management crisis in modern business. The bibliographic method is used as the base methodology and involves the selection sources and literature Trusted For understanding implications of management crisis from the perspective various discipline knowledge. Approach bibliography possible analysis comprehensive and systematic to the story of Prophet Nuh AS. Identification crisis in modern business includes crisis financial, reputational, operational, and legal. The impact involves loss of capital, damage image, and sanctions law. Comparison with the story of Prophet Nuh AS shows similarity signs initial, impact potential, and action initial taken. Research result describe that crisis in second context test patience, mental resilience, and need strong leadership. Management lessons from the story of Prophet Nuh AS includes focus on process, quality more from quantity, planning maturity, and management good organization. Study This give outlook about Prophet Nuh AS business planning and strategy, incl vision period long, management risk, communication effectiveness, perseverance, and leadership strong. In conclusion, research This highlighting importance respond crisis with precise, identify opportunity in challenges, and take advantage experience historical for enrich management crisis modern business. Lessons from the story of Prophet Nuh AS can be become guidelines valuable for practitioner business in face dynamics and uncertainty environment business contemporary.

ANALISIS KAFALAH DAN QARDH DI INDONESIA Asriadi, Ari; Asmuni, Asmuni; Anggraini, Tuti
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11396

An Islamic bank is a type of financial institution that operates by Islamic principles and rules and provides various banking services using different types of contracts or agreements that comply with Sharia law. These banks, in terms of Islamic banking, Qardh contracts are one of the most commonly used contracts. This study aims to engage the effect of the kafalah (guarantee or surety) component and the role of loan capital in implementing the qardh concept. Time series data obtained from the Financial Services Authority from 2018 to 2022 is used for this quantitative research. This study used multiple linear regression as the analysis to evaluate the effect. The results show that the Kafalah variable does not significantly impact the Qardh variable. Although the two types of contracts are most commonly used in Islamic banking practices, the main difference between them lies in the way they are implemented and applied. In Islamic bank guarantee products, the contract is known as kafalah. Qardh variables are affected by the loan capital. Qardh contracts do not impose any reward on the borrower of money or the recipient of assets. Due to its nature, the Qardh contract does not aim to generate financial profit; instead, it aims to help small businesses, social causes, and other organizations.

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