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Hoarding and Its Dangers for the Economy of the Ummah in a Review of Islamic Literature Muhammad Ali, Zulkarnain
Darul Hikmah: Jurnal Penelitian Tafsir dan Hadits Vol 10 No 1 (2024): Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir
Publisher : Sekolah Tinggi Ilmu Ushuluddin (STIU) Darul Hikmah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61086/jstiudh.v10i1.56

Hoarding of necessities frequently occurs in Indonesia, such as during the 2020–2022 Covid-19 pandemic, when personal protective equipment (PPE) and cooking oil became scarce. The primary cause is the behavior of some traders who hoard and monopolize goods, thus hampering distribution, leading to scarcity and unreasonable price increases. This study aims to examine the dangers of hoarding for the Muslim economy from an Islamic literary perspective and to find preventative solutions. This study used a qualitative method with a library research approach and descriptive analysis. The results show that the practice of hoarding has been known since the time of the Prophet Muhammad. In Islam, hoarding of goods is forbidden because it can reduce the availability of goods and increase prices unfairly. Classical and contemporary scholars agree that hoarding wealth or goods that harm others is reprehensible. However, Islam permits someone to keep wealth or goods for personal and family needs as long as it does not harm others. Ihtikar or hoarding is a form of unethical trade based on greed and solely oriented towards profit. The Quran and Sunnah emphasize that those who engage in ihtikar are committing a grave sin and will be punished in the afterlife. Therefore, the government plays a crucial role in preventing the practice of ihtikar through market supervision and optimizing the function of the Hisbah institution, which plays a vital role in maintaining economic, social, and moral justice in society.

An Analysis of Problems and Solutions in the Low Level of Cash Waqf in Indonesia Using Analytic Network Process (ANP) Susanti, Aprida; Fatah, Dede; Muhammad Ali, Zulkarnain
Tazkia Islamic Finance and Business Review Vol. 19 No. 1 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i1.392

The low level of cash waqf mobilization in Indonesia presents a significant challenge for Islamic philanthropy, attributed to various internal and external factors. This study addresses the gap in existing literature concerning the comprehensive analysis of factors that impact the low uptake of cash waqf and the strategic management approaches necessary to address these challenges. While previous research has examined aspects of cash waqf, there remains a need for a systematic approach that integrates problem, solution, and strategy analysis through the Analytic Network Process (ANP) method. The objectives of this study are to identify the key factors affecting cash waqf mobilization and to propose detailed solutions and strategies for effective management. Utilizing the ANP framework and the Problem-Solution Model, the study collects data from a sample of 7 experts and 7 practitioners. The analysis considers four dimensions—human resources, institutional frameworks, government, and society—and is organized into three clusters: problems, solutions, and strategies, with a focus on both internal and external factors. Key findings indicate that the low mobilization of cash waqf is primarily due to weak management systems within institutions. The study proposes that enhancing the Indonesian Waqf Board (BWI) through governmental support is a critical solution, while the application of information technology is identified as the main strategic priority. The study underscores the need for the government (particularly BWI) and waqf institutions (nazhir) to prioritize a robust cash waqf ecosystem through improved management, professionalization, literacy, and resource allocation. This research contributes to the limited body of literature on cash waqf mobilization by providing a comprehensive model for addressing both internal and external challenges, thereby offering valuable insights for Islamic finance policymakers and practitioners.

ETIKA JUAL BELI ONLINE DALAM ISLAM Muhammad Ali, Zulkarnain
Darul Hikmah: Jurnal Penelitian Tafsir dan Hadits Vol 8 No 2 (2022): Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir
Publisher : Sekolah Tinggi Ilmu Ushuluddin (STIU) Darul Hikmah

Technological developments have changed the way people make buying and selling transactions. In the digital era, people prefer to buy and sell online, because it is more efficient and effective. can be done anywhere. However, this creates a variety of new problems such as opportunities to commit fraud, inappropriate payments and delivery of goods, unsecured guarantees, which ultimately result in losses to one party or both parties. This study aims to determine ethics in the implementation of online buying and selling according to Islam. The author uses qualitative research methods with library research methods. The results of the study indicate that the ethics of buying and selling online must prioritize the values contained in the Qur'an and hadith. These values include unity, balance, free will, responsibility, truth, virtue and honesty. The purpose of applying ethics in online buying and selling is to protect the benefit of individuals, property and the state. It is also a form of respect for every soul. By applying Islamic ethics in buying and selling, a healthy and blessed business climate will be achieved so that an Islamic society structure can be achieved. The first ethics of buying and selling online is not buying and selling in vanity that brings injustice to others such as usury, gambling, ghasab (stealing), treason, dishonesty, cheating, committing perjury, hoarding goods, monopoly, while selling ethics the second online buying is to please each other by being friendly, not criticizing other people's business. With the application of these two buying and selling ethics, benefits will be achieved in life both individually, in society, and in the state.

وضع الظاهر مكان الضمير في تفسير إرشاد العقل السليم من سورة يونس إلى سورة يوسف أنموذجا (دراسة تحليلية) Abdul Aziz, Muhammad; Muhammad Ali, Zulkarnain
Darul Hikmah: Jurnal Penelitian Tafsir dan Hadits Vol 9 No 1 (2023): Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir
Publisher : Sekolah Tinggi Ilmu Ushuluddin (STIU) Darul Hikmah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61086/jstiudh.v9i1.41

تتضمن هذه الدراسة على قيمة اهتمام تفسير إرشاد العقل السليم بقضية وضع الإظهار مكان الإضمار، فهذا التفسير له منهج الذي التزم به في عرض هذه القضية. من أهداف هذه الدراسة إبراز منهج أبي السعود في عرض القضية وضع الظاهر مكان الضمير، ومعرفة الآيات التي فيها وضع الظاهر مكان الضمير، والوقوف على الأغراض في قضية وضع الظاهر مكان الضمير عند أبي السعود. وهذه الدراسة استعملت المنهج التحليلي لما لها من الإقامة بتركيب الأفكار وتقويمها ورجوع العناصر إلى أصولها وتتبعها في التأثير على من جاء بعده. واستنجت هذه الدراسة على أن هناك تقريبا بضعة مواضع التي تكلم صاحب إرشاد العقل السليم بقضية موضع الإظهار مكان الإضمار، كما بين أن هناك الأغراض المختلفة لهذا الوجه البلاغي من خلال سورة يونس إلى سورة يوسف

KONSEP HUTANG DALAM ISLAM: ADAB DAN KEUTAMAAN PENYELESAIANYA Muhammad Ali, Zulkarnain; Malihah, Limah
Darul Hikmah: Jurnal Penelitian Tafsir dan Hadits Vol 6 No 1 (2020): Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir
Publisher : Sekolah Tinggi Ilmu Ushuluddin (STIU) Darul Hikmah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (222.097 KB)

Hutang merupakan salah satu suatu aktivitas yang tidak dapat dipisahkan dalam interaksi kehidupan manusia, ada pihak yang surplus dana dan ada pihak yang kekurangan dana. Data BI, CNBC, Kontan, CNN menunjukkan peningkatan jumlah hutang sejak 2018 - 2020. Parahnya hutang tersebut merupakan hutang ribawi dan dikonsumsi penduduk Indonesia yang mayoritas penduduknya muslim. Masalah lainnya adalah praktikpenyelesaian hutang yang juga menjadi masalah di tengah masyarakat. Penelitian ini ingin membahas konsep hutang secara syariah dilihat dari adab-adab dan keutamaan penyelesaiannya.Penelitian ini merupakan penelitian kualitatif deskriptif dengan mengambil sumber dari Al-Quran, Al-Hadits, kitab-kitab klasik dan kontemporer. Hasil penelitian menunjukkan bahwa Syariat Islam tidak melarang berhutang apalagi tujuannya memenuhi kebutuhan hidup diri dan keluarganya saat kondisi sulit, bahkan dianjurkan saling membantu saudaranya. Syariat Islam juga mengatur bagaimana seharusnya hutang piutang dipraktikkan, diantaranya mencatat transaksi hutang-piutang, menghadirkan saksi-saksi, menghadirkan barang jaminan/gadai serta menghadirkan penjamin. Adapun adab bagi orang yang berhutang adalah hutang hanya dilakukan dalam situasi dan kondisi yang mendesak, terpaksa, bukan untuk memenuhi kebutuhan hawa nafsu (lifestyle), orang yg berhutang juga harus memenuhi janjinya untuk melunasi hutangnya tepat waktu, jika belum bisa dibayarkan maka orang yang berhutang memberi kabar, namun jika memang tidak ada kemungkinan membayar maka kedua belah pihak bersama-sama mencari jalan keluar untuk melunasi hutangnya karena hutang merupakan amanah yang harus dibayar baik di dunia maupun di akhirat.

HUKUM JUAL BELI ONLINE DI BUKALAPAK PERSPEKTIF SURAT AL-BAQARAH : 275 Muhammad Ali, Zulkarnain; Abdurrahim
Darul Hikmah: Jurnal Penelitian Tafsir dan Hadits Vol 7 No 2 (2021): Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir
Publisher : Sekolah Tinggi Ilmu Ushuluddin (STIU) Darul Hikmah

Online buying and selling is widely done by the public in some e-commerce applications, because of its ease in transacting. In classical studies, especially the 4 largest schools in the world say that buying and selling must meet the pillars of buying and selling, but what happens in online buying and selling many unfulfilled pillars, for example sellers and buyers do not meet in person at one time and place, objects of goods that cannot be seen and selected directly, and unspoken accounts, So many people are questioning this issue. This type of research is qualitative, with the collection of library research data through literature related and relevant to the title of this study. The results of this study showed that in formulating the law of buying and selling in Q.S Al-Baqarah: 275 mufassir such as Ibn Kathir, Al-Qurtubi, Al-Wasith, Al-Jashshash have a classical view that the fulfillment of the pillars of buying and selling is done traditionally (not online buying and selling) and they agree that buying and selling must be fulfilled in harmony. As for the opinion of buying and selling online in bukalapak is not unfulfilled, but does not appear physically. In its fatwa MUI allows online buying and selling, which is seen as the substance of the sale and purchase, as long as the two parties who transact are happy with each other, not unjust, and the goods sold do not contain gharar and are not prohibited goods in Islam.

OPTIMALISASI SYIRKAH DALAM PENINGKATAN EKONOMI UMAT BERBASIS AL-QUR’AN Muhammad Ali, Zulkarnain; Miarti, Sri
Darul Hikmah: Jurnal Penelitian Tafsir dan Hadits Vol 8 No 1 (2022): Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir
Publisher : Sekolah Tinggi Ilmu Ushuluddin (STIU) Darul Hikmah

There are 237 million Muslims in Indonesia, 86.9% as of 2021 from 273 million people. Meanwhile, Indonesia's wealth is managed and controlled not by Muslims, even though there are Islamic businessmen/financial institutions, but in business practice the developed contracts are buying and selling contracts (murabahah) not cooperation contracts (musyarakah). The author is moved to make a study that discusses the meaning of syirkah and its concept in Islam, and how syirkah can improve the people's economy. This research is a qualitative research with library research method, while the analysis used is descriptive analysis. The results of this study indicate that syirkah is one of the Islamic Shari'a in the field of muamalah whose implementation has been exemplified by the Prophet Muhammad and his noble companions, so that understanding of syirkah must be disseminated to the public, and carried out with the right guidelines according to the Shari'a in order to improve the economy of the people. .

Boycott of Pro-Zionist Products: A Contemporary Interpretation Study Muhammad Ali, Zulkarnain; Nasution, Nisrina
Darul Hikmah: Jurnal Penelitian Tafsir dan Hadits Vol 11 No 2 (2025): Darul Hikmah: Jurnal Penelitian Hadits dan Tafsir
Publisher : Sekolah Tinggi Ilmu Ushuluddin (STIU) Darul Hikmah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61086/jstiudh.v11i2.91

The Palestinian-Israeli conflict has been going on for more than seven decades and has become one of the most complex humanitarian issues in the modern world. Military invasions, land seizures, economic blockades, and human rights violations committed by Israel have sparked global reactions. One form of international response is the Boycott, Divestment, and Sanctions (BDS) movement. This study aims to analyze the theological legitimacy of boycotting pro-Zionist products through the perspective of contemporary interpretation of QS. At-Taubah verse 23. The research method used is qualitative based on literature study, with primary sources in the form of the Qur'an and Hadith, as well as secondary sources in the form of contemporary tafsir books such as Tafsir al-Maraghi, Fi Zhilalil Qur'an, Tafsir al-Azhar, Tafsir al-Munir, and Tafsir an-Nur. The results of the study show that QS. At-Taubah verse 23 affirms the principles of wala' (loyalty to Allah and the believers) and bara' (disassociating oneself from those who oppose Islam) and provides a strong basis for Muslims not to support those who oppose Islam, including through the consumption of products. The exegesis scholars agree that faith must be the main basis for determining attitudes, including in terms of shopping and economic support. Boycotts are a tangible form of faith, as well as a way of maintaining solidarity and strength among the ummah. In fact, boycotts have also been proven to weaken companies involved in supporting colonialism, as some of them have experienced a decline in profits due to global boycotts.

Analysis of Islamic Work Ethic on Job Satisfaction with Intrinsic Motivation Mediation Variables in Millennial Generation Employees Iman, Iman Fauzi Sudirman; Firdaus, Achmad; Muhammad Ali, Zulkarnain
Indonesian Journal of Islamic Economics and Business Vol. 7 No. 2 (2022): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v7i2.1553

This research aims to determine the impact of Islamic work ethic on job satisfaction with intrinsic motivation mediation variables in millennial generation employees. This type of research uses a quantitative description with explanatory research using a sample of 101 respondents. The data analysis method used in this research is descriptive analysis method, Structural Equation Modeling (SEM) with SmartPLS 3 software. The results show that Islamic work ethic has a significant and positive effect on job satisfaction both directly and indirectly. using the mediating variables of intrinsic motivation and job satisfaction. Keywords: Islamic Work Ethic, Intrinsic Motivation, Job Satisfaction

ANALISIS PENYEBAB FLUKTUATIF BIAYA HAJI DI PIHK TERHADAP VISI SAUDI 2030 (Studi Travel Selatuor) Yahya, Muhammad; Muhammad Ali, Zulkarnain; Taufiq Possumah, Bayu
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 02 (2024): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v8i02.7314

Penelitian ini bertujuan untuk mengetahui untuk mengetahui dan menganalisa Pengaruh Visi Arab Saudi 2030 Terhadap Kebijakan Pelaksanaan Ibadah haji global Meninjau lebih lanjut perubahan regulasi di Arab Saudi serta dampaknya terhadap pembiayaan dan regulasi haji PIHK di Indonesia. Metode yang digunakan menggunakan penelitian kuantitatif dengan menggunakan jenis data sekunder yang diperoleh dari penjelasan Kerjasama Bilateral Indonesia – Arab Saudi terkait ibadah haji, dan membahas upaya-upaya yang dilakukan untuk meningkatkan pelayanan ibadah haji dari Kerjasama Bilateral Indonesia – Arab Saudi dalam Meningkatkan Pelayanan Ibadah Haji dan mengkaji lebih jauh dampak pelaksanaan haji pasca visi Saudi 2030. Hasil penelitian menyatakan sejarah penyelenggaraan haji di Indonesia dan penjelasan kompleksitas permasalahan-permasalahan penyelenggaraan dan pelayanan ibadah haji yang ada di PIHK pasca visi Saudi 2030.

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