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I Implementation of Multi-Contract IB Hijrah Rencana Savings Product at Bank Muamalat Triyatno, Ghazy; Novianti, Irohdatul; Munir, Misbahul; Khasanah, Umrotul
MUSLIM HERITAGE Vol 9 No 2 (2024): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

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

Abstract

Abstract This study explains the contract process applied to the iB Hijrah Rencana Savings product offered by Bank Muamalat. This product adheres to Islamic economic principles, is free from riba, and aims to help customers plan their finances according to Sharia law. The objective of this research is to examine how the multi-contract system is implemented in the iB Hijrah Rencana Savings product at Bank Muamalat and to analyze the application of profit-sharing ratios in the product from an Islamic economic perspective. The methodology used in this study is descriptive qualitative, which systematically describes the research subject about the core issues. The study shows that two contracts are applied to the iB Hijrah Rencana Savings product: Mudharabah Muthlaqoh (investment contract) and Tabarru’ (Islamic insurance). The implementation of the profit-sharing ratio is based on a system that refers to the net result of fund management, by Islamic economic principles. This is based on the DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000, ensuring that this product helps society achieve its plans without the concern of funds being mixed with riba. Abstrak Penelitian ini menjelaskan proses akad yang diterapkan pada produk Tabungan iB Hijrah Rencana yang ditawarkan oleh Bank Muamalat. Produk ini menggunakan prinsip-prinsip ekonomi islam yang bebas dari riba dan bertujuan untuk membantu nasabah dalam merencanakan keuangan secara syariah. Penelitian ini bertujuan untuk mengetahui bagaimana penerapan multi akad pada produk Tabungan iB Hijrah Rencana di Bank Muamalat & Menganalisis penerapan nisbah bagi hasil dalam produk tersebut dari perspektif ekonomi Islam. Metodologi yang digunakan dalam penelitian ini adalah deskriptif kualitatif, yang menggambarkan subjek penelitian secara sistematis dengan pokok permasalahan. Penelitian menunjukkan bahwa terdapat duua akad yang ditetapkan pada Tabungan iB Hijrah Rencana, yaitu Mudharabah Muthlaqoh (akad investasi) & Tabarru’ (asuransi syariah). Implementasi nisbah bagi hasil dilakukan berdasarkan sistem bagi hasil yang mengacu pada hasil bersih pengelolaan dana, sesuai dengan perspektif ekonomi islam. Hal ini berpedoman pada Fatwa DSN-MUI No. 02/DSN-MUI/IV/2000, sehingga produk ini diharapkan dapat membantu masyarakat dalam mewujudkan rencana tanpa kekhawatiran dana tercampur dengan riba. Keywords: Profit-sharing; Mudharabah Muthlaqah; Islamic Banking
I Implementation of Multi-Contract IB Hijrah Rencana Savings Product at Bank Muamalat Triyatno, Ghazy; Novianti, Irohdatul; Munir, Misbahul; Khasanah, Umrotul
MUSLIM HERITAGE Vol 9 No 2 (2024): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

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

Abstract

Abstract This study explains the contract process applied to the iB Hijrah Rencana Savings product offered by Bank Muamalat. This product adheres to Islamic economic principles, is free from riba, and aims to help customers plan their finances according to Sharia law. The objective of this research is to examine how the multi-contract system is implemented in the iB Hijrah Rencana Savings product at Bank Muamalat and to analyze the application of profit-sharing ratios in the product from an Islamic economic perspective. The methodology used in this study is descriptive qualitative, which systematically describes the research subject about the core issues. The study shows that two contracts are applied to the iB Hijrah Rencana Savings product: Mudharabah Muthlaqoh (investment contract) and Tabarru’ (Islamic insurance). The implementation of the profit-sharing ratio is based on a system that refers to the net result of fund management, by Islamic economic principles. This is based on the DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000, ensuring that this product helps society achieve its plans without the concern of funds being mixed with riba. Abstrak Penelitian ini menjelaskan proses akad yang diterapkan pada produk Tabungan iB Hijrah Rencana yang ditawarkan oleh Bank Muamalat. Produk ini menggunakan prinsip-prinsip ekonomi islam yang bebas dari riba dan bertujuan untuk membantu nasabah dalam merencanakan keuangan secara syariah. Penelitian ini bertujuan untuk mengetahui bagaimana penerapan multi akad pada produk Tabungan iB Hijrah Rencana di Bank Muamalat & Menganalisis penerapan nisbah bagi hasil dalam produk tersebut dari perspektif ekonomi Islam. Metodologi yang digunakan dalam penelitian ini adalah deskriptif kualitatif, yang menggambarkan subjek penelitian secara sistematis dengan pokok permasalahan. Penelitian menunjukkan bahwa terdapat duua akad yang ditetapkan pada Tabungan iB Hijrah Rencana, yaitu Mudharabah Muthlaqoh (akad investasi) & Tabarru’ (asuransi syariah). Implementasi nisbah bagi hasil dilakukan berdasarkan sistem bagi hasil yang mengacu pada hasil bersih pengelolaan dana, sesuai dengan perspektif ekonomi islam. Hal ini berpedoman pada Fatwa DSN-MUI No. 02/DSN-MUI/IV/2000, sehingga produk ini diharapkan dapat membantu masyarakat dalam mewujudkan rencana tanpa kekhawatiran dana tercampur dengan riba. Keywords: Profit-sharing; Mudharabah Muthlaqah; Islamic Banking
Integrating Waqf in Shariah-Compliant Asset and Wealth Management Triyatno, Ghazy; Putra, Yuniarti Hidayah Suyoso
Talaa : Journal of Islamic Finance Vol. 5 No. 1: June 2025
Publisher : Department of Sharia Financial Management, Institut Agama Islam Negeri Sultan Amai Gorontalo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/talaa.v5i1.781

Abstract

The research is motivated by the growing importance of Islamic wealth instruments, particularly waqf, in promoting inclusive and sustainable economic development. The central problem addressed is the underutilization of waqf assets, which is attributed to limited public awareness, fragmented regulations, and a lack of integration with modern financial systems. Therefore, the study aims to investigate the models, instruments, regulatory frameworks, and technological innovations that facilitate the effective integration of waqf into Islamic financial planning. Employing a Systematic Literature Review (SLR) approach, the study identifies 70 relevant articles published between 2015 and 2025 using Scopus and snowball sampling techniques. The analysis involves bibliometric tools (VOSviewer and Publish or Perish) and thematic content analysis to map trends, collaboration networks, and knowledge gaps. The findings reveal four dominant themes: (1) direct and indirect waqf integration models, (2) innovations in waqf-based financial instruments (e.g., CWLS, unit trust waqf, waqf-based insurance), (3) the importance of national and global regulatory alignment, and (4) the transformative role of technology, such as e-waqf and blockchain. These insights affirm that waqf has evolved into a key pillar of Islamic wealth management, offering strategic solutions for economic empowerment and social justice.
Critique of The Philosophy of Science on The Effectiveness of Digital Transactions Riansyah, Bima; Triyatno, Ghazy; Dewi Masitoh; Saffanah Az Zahra
Jurnal Iqtisad Vol 12 No 2 (2025): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v12i2.14149

Abstract

Digital transactions utilize a digitized system, providing easy access for economic actors and making them an effective transactional method. This study aims to analyze the effectiveness of digital transactions through the lens of the philosophy of science. Digital transactions, as an innovation of conventional transactions, have provided accessibility and efficiency in economic activities. However, alongside their benefits, digital transactions also face challenges such as cybercrime, low digital literacy, and weak legal protection. The research employs a qualitative method with a literature review approach, collecting and analyzing data from various literature sources. The findings indicate that digital transactions are not yet fully effective due to weaknesses in security systems, public literacy, and legal regulations. The philosophical analysis reveals that digital transactions need to be integrated with moral and ethical principles to achieve optimal effectiveness. This study provides recommendations for service providers, users, and the government to enhance security, education, and regulations in digital transactions.