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All Journal Kutubkhanah Jurnal Penelitian Sosial Keagamaan Madani: Multidisciplinary Scientific Journal Socius: Social Sciences Research Journal At-Tajdid: Journal of Islamic Studies International Journal of Information System and Innovation Management
Fadhil, Muflihul
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Perbandingan Kebijakan Ekonomi Syariah di Negara Negara Islam Fadhil, Muflihul; Aris, Muhammad; Saputra, Iin; Syahrial, Murah
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 1, No 12 (2024): July
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.12525882

Abstract

Islamic economics comes as a new hope in various parties, especially Muslims, Islamic economic growth has been widely used in many parts of the world by using sharia-based economic systems in their policies, by understanding the comparison of Islamic economic policies in Islamic countries, we can evaluate the successes and challenges faced in developing the Islamic financial sector. This is important for formulating more effective strategies to increase financial inclusion, promote sustainable economic growth, and improve people's welfare in Islamic countries. In comparing the Islamic economic policies in several ASEAN, European, and OIC countries, each country has a different approach according to its internal and external conditions. Malaysia and Indonesia are leading the development of Islamic economics with strong regulations and mature financial infrastructure. Meanwhile, European countries such as the UK and Turkey are showing rapid development in this sector although it is still in the early stages of development. On the other hand, OIC countries such as Saudi Arabia and Pakistan show the dominance of Islamic banks and rapid economic growth. The method used in this research is descriptive analysis, a method of collecting data by browsing files, internet websites, documents and information related to the object of research. This research describes how the comparison of Islamic economic policies in Islamic countries.
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.
Peran Fatwa DSN-MUI Terhadap Kasus Wanprestasi Nasabah Pada Bisnis Syariah di Indonesia Fadhil, Muflihul; N, Nurnasrina; Salman, Nola Fibriyani Bte; Huda, Nurul
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 5 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14587677

Abstract

The fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN MUI) plays a crucial role in addressing issues of default (failure to fulfill agreements) in sharia-based contracts. In Sharia financial transactions, default needs to be resolved fairly and in accordance with Islamic principles, which prohibit elements of riba (unjust enrichment), gharar (uncertainty), and zalim (oppression). (penindasan). The DSN MUI fatwa provides guidance on ta’widh or compensation as a form of recompense for the actual losses suffered by the aggrieved party, unlike fines which are more punitive or seek additional profit. Through this fatwa, DSN MUI encourages adherence to contracts, maintains the balance of rights and obligations, and ensures that the resolution of default is carried out without harming either party. The procedures in this research were carried out in stages, namely collecting library data, reading, taking notes, reviewing, gathering concepts or manuscripts, and then elaborating and explaining the collected data or texts related to the main discussion topic in this research. This article discusses the important role of the DSN MUI fatwa in creating transparency, justice, and adherence to Sharia principles in addressing default, as well as its impact on the integrity of Sharia financial transactions in Indonesia. 
Perekonomian Khalifah Harun Al-Rasyid sebagai Alternative of Solution bagi Problematika Perekonomian Indonesia Brillyandra, Fradini; Fadhil, Muflihul; Y, Yusra; A, Alpizar; H, Herlinda
At-Tajdid : Journal of Islamic Studies Vol 4, No 4 (2024): Oktober 2024
Publisher : Pacsasarjana UIN Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/at-tajdid.v4i4.27411

Abstract

The purpose of writing this article is to find out about the economic policies of Caliph Harun ar-Rasyid which can be used as an alternative solution to economic problems in Indonesia. The method the author uses is library research by collecting data regarding files about the history of Harun Al-Rasyid and the economy during Harun al-Rsayid's time through searching data from the internet and print in the form of articles and books. Research result; 1. Harun ar-Rasyid's Economic Policy; a. Trade and Industry, b. Intensive management of the agricultural sector, c. Development of agricultural science, d. Increasing state income through the tax sector, e. Monetary system. 2. Caliph Harun ar-Rasyid's Economic Policy as an Alternative Solution to Indonesia's Economic Problems; a. Agricultural Sector; 1). Activate the agricultural sector and create policies that favor farmers, by eliminating various taxes imposed and also reducing the prices of agricultural needs, for example reducing the prices of fertilizers, agricultural equipment, seeds and so on. 2) Develop agricultural science. This can be done by carrying out various research and trials to increase production in quantity and quality as well as helping to open up market share for farmers' products at national and international levels. 2) Monetary policy, using gold and silver exchange tools to minimize currency price fluctuations between countries, especially developed countries.Keywords:  Economy, Harun Al-Rasyid, Alternative of SolutionTRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian //  TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack//
The Innovation of Market Structure and Sharia Governance Model of Islamic Financial Institutions Brillyandra, Fradini; Fadhil, Muflihul; Mukhlis, Mukhlis; Suryadi, Nanda; Purwati, Astri Ayu
International Journal of Information System and Innovation Management (IJISIM) Vol. 2 No. 1 (2024): International Journal of Information System and Innovation Management
Publisher : Yayasan Pendidikan Islam Al-Matani

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

Abstract

Market structure significantly affects price manipulation and economic efficiency. From an Islamic perspective, market structures should allow freedom but remain bound by rules that uphold responsibility and justice. Among the four primary market forms—perfect competition, monopoly, oligopoly, and monopolistic competition—the perfect competition market is deemed most ideal as it fosters balanced and efficient economic activity, aligning with Islamic principles of fairness. Sharia governance is crucial for ensuring that Islamic financial institutions (IFIs) adhere to Islamic laws, avoiding prohibited practices like riba and maintaining the halal nature of profits. This research, using descriptive analysis, examines the market structure in Islam and the Sharia governance model of Islamic Financial Institutions (LKS) within Indonesia's legal framework. The study, through literature reviews and legal document analysis, finds that Indonesian regulations comprehensively address Sharia governance, outlining aspects such as regulation, organizational structure, processes, and functions, thereby ensuring adherence to Sharia principles and promoting ethical financial practices.
Analisis Pengaruh Revolusi Industri 4.0 Dan Society 5.0 Terhadap Perubahan Perekonomian Indonesia Fadhil, Muflihul; Yanti, Yanti
Kutubkhanah Vol 25, No 1 (2025): Januari - Juni
Publisher : Lembaga penelitian dan pengabdian kepada masyrakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/kutubkhanah.v25i1.37364

Abstract

Revolusi Industri 4.0 dan Society 5.0 merupakan dua fenomena global yang telah memberikan dampak signifikan terhadap dinamika perekonomian di berbagai negara, termasuk Indonesia. Penelitian ini bertujuan untuk menganalisis bagaimana kedua revolusi tersebut memengaruhi perubahan struktur ekonomi nasional, khususnya dalam aspek digitalisasi, ketenagakerjaan, dan daya saing industri. Metode yang digunakan dalam penelitian ini adalah studi literatur dan analisis deskriptif kualitatif berdasarkan data sekunder. Hasil kajian menunjukkan bahwa Revolusi Industri 4.0 mendorong otomatisasi dan efisiensi melalui penerapan teknologi canggih seperti Internet of Things, kecerdasan buatan, dan robotika. Sementara Society 5.0 memperkuat peran manusia dalam sistem digital dengan pendekatan yang lebih berpusat pada kesejahteraan sosial dan keberlanjutan. Dampaknya terlihat pada peningkatan sektor e-commerce, transformasi pola kerja, hingga munculnya kebutuhan tenaga kerja dengan keterampilan baru. Namun, transformasi ini juga memicu tantangan baru seperti meningkatnya angka pengangguran akibat ketimpangan kompetensi digital. Oleh karena itu, diperlukan strategi adaptif melalui penguatan sumber daya manusia dan kebijakan inklusif agar Indonesia mampu menghadapi perubahan ini secara optimal dan merata.
Co-Authors A, Alpizar Aris, Muhammad Brillyandra, Fradini H, Herlinda M, Mukhlis Mukhlis Mukhlis N, Nurnasrina Nurul Huda Purwati, Astri Ayu S, Syahpawi Salman, Nola Fibriyani Bte Saputra, Iin Suryadi, Nanda Syahrial, Murah Y, Yusra Yanti Yanti