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All Journal al-Afkar, Journal For Islamic Studies Maklumat: Journal of Da'wah and Islamic Studies Indonesia Economic Journal Al-Iffah: Journal of Islamic Sciences Research Al-Abqori: Journal of Islamic Thought Studies
Lina Pusvisasari
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Journal : al-Afkar, Journal For Islamic Studies

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Why Mudharabah Is Not Developing In Islamic Banking Lina Pusvisasari; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.805

Abstract

Why mudharabah has not grown significantly in Islamic banking: Complexity and Risk: Mudharabah has a complex structure and involves profit sharing between the capital and the manager (mudharib). The success of mudharabah is highly dependent on the manager's ability to manage risk wisely. This can be challenging for Islamic banks as it requires specialized expertise in risk management and business evaluation. Uncertainty of Results: In mudharabah, business results cannot be guaranteed and may vary from time to time. This creates uncertainty for the capital party (shahib al-mal), especially if they want a fixed and stable return. This uncertainty may discourage investors and discourage the use of mudharabah on a large scale. Preference for Easier Instruments: Some Islamic banks prefer other financial instruments that are easier to implement, such as murabahah (sale and purchase with markup) or ijarah (lease). These instruments have simpler structures and are easier to understand, allowing banks to quickly offer products and services to their customers. Lack of Awareness and Understanding: Lack of awareness and understanding of mudharabah among the public and Islamic bank customers can also be a hindering factor. If customers do not have sufficient understanding of the concept and benefits of mudharabah, they may be reluctant to use products or services related to it. Unfavorable Rules and Regulations: Some rules and regulations in some countries may not provide sufficient support for the development of mudharabah in the Islamic banking industry. Certain legal ambiguities or regulatory constraints may hinder the freedom and flexibility in using mudharabah as a financial instrument. Slower Industry Development: The Islamic banking industry is still relatively young compared to conventional banking. While there has been significant growth in recent years, Islamic banking still faces challenges in achieving the same size and scale as conventional banking. This may also affect the wider adoption of mudharabah in the industry.
Price Mechanisms in Islamic Economics Perspective of Yahya Bin Umar and Ibn Taymiyah Lina Pusvisasari; Yadi Janwari; Ahmad Hasan Ridwan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.822

Abstract

This study discusses the role of prices in Islamic economics from the perspective of Yahya bin Umar and Ibn Taymiyah. In the view of Yahya bin Umar, the price mechanism in Islamic economics must follow the principles of justice and transparency and avoid speculation that harms the community. Meanwhile, Ibn Taymiyah argues that the price of goods and services should be determined by market demand and supply, assuming that the market runs freely and there is no fraud. Through a qualitative approach using the literature study method, this article discusses the views of Yahya bin Umar and Ibn Taymiyah on the price mechanism in Islamic economics. The results show that both agree that the price mechanism must follow the principles of fairness and transparency. However, there are differences of opinion in terms of how to determine prices, where Yahya bin Umar emphasizes more on the need for government and community supervision of the price mechanism, while Ibn Taymiyah emphasizes more on market freedom.
Co-Authors Ai Annisa Endang Nur Fitriani Iwan Setiawan Kayla Nurul Azkiyya Latifatul Zahra Muhammad Adhil Fatih Nasrullah Nia Sobandi Orina Pujastuti Rayi Nurazizah Ridwan, Ahmad Hasan Siti Asifa Nuragnia Siti Mursalina Siti Nuralika Khilwani Siti Soleha Sofyan Al-Hakim Syahla Fauziyah Syifa Alawiyah Yadi Janwari