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All Journal Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Strata International Journal of Social Issues
Tamba, Dheddy Abdi
Unknown Affiliation
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Concept and Philosophy of Fiscal Policy in Modern and Islamic Historical Perspectives Tamba, Dheddy Abdi; Janwari, Yadi; Hasanuddin, Muhammad; Ratnasari, Ai reni; Amany, Amany
Strata International Journal of Social Issues Vol. 2 No. 1 (2025): February
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sijosi.v2i1.282

Abstract

Fiscal policy is a fundamental tool for achieving macroeconomic goals such as economic stability, growth, and income equality. This study explores the concept and philosophy of fiscal policy, emphasizing its role in both modern and historical contexts, including its implementation during the Prophet Muhammad’s era. Employing a qualitative methodology with a literature review approach, the research analyzes fiscal policy instruments, including taxes, subsidies, debt, and state budget expenditures, particularly within the Indonesian context. Findings reveal that fiscal policy reflects Keynesian principles, emphasizing government intervention to address market inefficiencies, stabilize the economy, and promote equitable growth. Historical analysis highlights the philosophical alignment of fiscal policies during the Prophet Muhammad’s time with modern practices, focusing on justice, equality, and sustainability through instruments like zakat, kharaj, and wakaf. The study underscores the effectiveness of fiscal policy during crises, such as the COVID-19 pandemic, in mitigating severe economic impacts and fostering long-term development. To optimize fiscal policy, this research suggest that governments should enhance transparency, accountability, and technological integration to improve resource management and efficiency. Additionally, adopting principles of equity and sustainability from historical Islamic fiscal policies and fostering collaboration among stakeholders can address contemporary economic challenges while upholding philosophical foundations.
Fiscal Policy Instruments in Islamic Macroeconomics Perspectives Santoso, Ari Fajar; Janwari, Yadi; Hasanuddin, Muhammad; Tamba, Dheddy Abdi; Abdurahman, Lukman
Strata International Journal of Social Issues Vol. 2 No. 1 (2025): February
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sijosi.v2i1.325

Abstract

This study explores the role of fiscal policy instruments within the framework of Islamic macroeconomics, mainly through the principles of Maqasid al-Shariah, which emphasize social justice and societal well-being. Using a qualitative research approach with a descriptive analysis method, this study incorporates literature review and triangulation techniques, like document analysis and expert interviews, to assess the effectiveness of zakat, waqf, and sukuk in supporting economic stability and social welfare. The findings indicate that these instruments significantly contribute to poverty reduction and infrastructure development, yet challenges remain in governance, transparency, and public awareness. Strategic measures such as regulatory strengthening, institutional capacity building, and financial literacy campaigns are necessary to enhance the impact of Islamic fiscal policies. Additionally, leveraging technological innovations—such as digital zakat platforms and innovative waqf management models—can improve efficiency and transparency. By addressing these challenges, Islamic fiscal policy has the potential to serve as a sustainable and ethical alternative to conventional fiscal systems.
Implementation of Deductions for Repayment of Murabahah Financing Debts Before Due Date : Case Study of Sharia Financial Institutions Tamba, Dheddy Abdi; Mukhlas, Oyo Sunaryo; Rusyana, Ayi Yunus
Jurnal Mediasas: Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Vol. 6 No. 2 (2023): Jurnal Mediasas: Media Ilmu Syariah dan Ahwal Al-Syakhsiyyah
Publisher : Islamic Family Law Department, STAI Syekh Abdur Rauf Aceh Singkil, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58824/mediasas.v6i2.138

Abstract

This research examines loan repayment at LKS (Sharia Financial Institutions) which provides reductions or deductions for debt repayment of debtors (customers) made before the maturity date of the murabahah contract. This research is also based on the frequent problems that arise between LKS (Sharia Financial Institutions) and customers regarding the absence of deductions for payments on murabahah contracts, because the rules for deductions are not included and are not agreed upon in the contract. This research method uses a descriptive qualitative method, namely with the subject and object being LKS, employees and debtors who use murabahah contract financing. And the data collection technique uses interview and documentation techniques. The research results explain that; (1) implementation of discounts for prepayment of remaining financing debts in murabahah financing transactions on LKS in Indonesia. This is the authority of the LKS in whether or not to grant deductions based on certain considerations, based on Fatwa DSN-MUIoNo.23/DSN-MUI/III/22002. In practice, customers can go directly to LKS to submit a request for a discount on payments before the due date. (2) The impact of deductions on repayment before the due date will have a positive impact on the Bank itself, namely creating trust in customers or consumers because they have given appreciation to customers who make repayment before the due date. Meanwhile, the postive impact for customers as business actors is getting relief. [Abstrak: Penelitian ini menelaah tentang pelunasan pinjaman pada LKS (Lembaga Keuangan Syariah) yang memberikan pengurangan atau potongan terhadap pelunasan utang debitur (nasabah) yang dilakukan sebelum jatuh tempo pada akad murabahah. Penelitian ini juga didasarkan dari sering munculnya permasalahan antara pihak LKS (Lembaga Keuangan Syariah) dan nasabah perihal tidak adanya potongan atas pelunasan pada akad murabahah, karena aturan potongan tidak dicantumkan dan tidak diperjanjikan didalam akad. Metode penelitian ini menggunakan metode kualitatif)deskripstif, yaitu dengan subjek dan objeknya LKS, pegawai serta debitur yang menggunakan)pembiayaan akad murabahah. Dan teknikkpengumpulan datanya dengan teknik wawancara dan dokumentasi. Hasil penelitian menjelaskan bahwa; (1) pelaksanaan pemberian potongan untuk pelunasan sisa utang pembiayaan sebelum waktunya dalam transaksi pembiayaan murabahah pada LKS yang ada di Indonesia. Hal ini hak kewenangan pihak LKS dalam pemberian potongan atau tidak dengan pertimbangan tertentu, yang berdasarkan Fatwa DSN-MUIoNo.23/DSN-MUI/III/22002. Pada pelaksanaannya nasabah bisa langsung mendatangi ke pihak LKS untuk mengajukan permohonan meminta potongan atas pelunasan sebelum jatuh tempo. (2) Dampak dari pemotongan pada pelunasan sebelum jatuhhtempo, akan berdampak positif bagi pihak Bank itu sendiri, yaitu menimbulkan kepercayaan kepada nasabah atau konsumen karena telah memberikan apresiasi kepada nasabah yang melakukan pelunasan sebelum jatuh tempo. Sedangkan dampak postiffbagi pihak nasabah sebagai pelaku usaha yaitu mendapatkan keringanan.]
Co-Authors Abdurahman, Lukman Amany, Amany Ari Fajar Santoso Ayi Yunus Rusyana Muhammad Hasanuddin, Muhammad Mukhlas, Oyo Sunaryo Ratnasari, Ai reni Yadi Janwari