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Umar, M Abdullah
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Economics, Econometrics & Finance

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Strategi Pengembangan Usaha Bibit Ikan Lele Ditinjau Dari Perspektif Ekonomi Islam (Studi Kasus Di Kabupaten Tanggamus) Saputra, Ridwan Gilang Aji; Komariah, Rizka; Umar, M Abdullah
Jurnal Ekonomi Syariah dan Pariwisata Halal Vol 2 No 2 (2023): Journal of Syariah Economic and Halal Tourism (JSEHT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) ALIFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70371/jseht.v2i2.98

Abstract

In the business world, marketing is an integral part. However, in sharia marketing, the entire process must be in accordance with the contracts and principles of muamalah in Islam.  The development of the catfish seedling business in Tanggamus Regency still has several challenges that need to be overcome. To overcome these challenges, an appropriate business development strategy is needed, one of which is by applying an Islamic economic perspective. The Islamic economic perspective can provide guidelines in the development of a more sustainable and fair catfish seed business. This study applies qualitative research methods to explore the phenomena and problems in the catfish seed farming business in Tanggamus Regency. The focus was on understanding the challenges faced by farmers and relevant catfish seedling business development strategies. Through in-depth interviews and field observations, researchers gained insights into the Islamic economic strategies applied in the production, marketing and distribution of catfish seedlings. The results show that catfish seedling farming in Tanggamus Regency, Lampung, follows Islamic principles in its development strategy. Based on the values of honesty, sincerity, professionalism, good relations, holy intentions, as well as the obligations of zakat, infaq, and sadaqah, the business process is in accordance with the principles of Islamic Economics, which emphasizes ethics in running a business. The strategies implemented, such as the application of Good Breeding Practices (GBP) to ensure the quality of fish seeds, fair pricing, and distribution that expands the market without oppressing others, are a form of implementation of Islamic values in business practices.
Konsolidasi Dana Wakaf dan Haji Berdasarkan Bukti dan Hukum Syariah Sonjaya, Niken Ardyani; Irawan, Hengki; Umar, M Abdullah
Jurnal Ekonomi Syariah dan Pariwisata Halal Vol 4 No 1 (2025): Journal of Syariah Economic and Halal Tourism (JSEHT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) ALIFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70371/jseht.v4i1.185

Abstract

In an effort to utilize Hajj funds or financial resources, Muslim economists developed the concept of waqf which can be applied in India through an inclusive and collaborative investment model. They are focused on strengthening the size of non-profit waqf funds while integrating Hajj funds within the existing legal framework in Indonesia, which includes Islamic law and licensing regulations. The results of our current research show that there is no study that clearly discusses the integration of management and investment of Hajj money from the perspective of sharia decisions and assessments. This research uses a qualitative approach with normative legal methods. In accordance with sharia principles and applicable regulations, including Law Number 1386 of 2018 concerning Hajj Financial Management and Law Number 41 of 2004 concerning Waqf, there is an opportunity to combine waqf fund investments with Hajj money, while maintaining the essence of waqf, and considering benefits, risks, security and trust. Collaboration between the Hajj Financial Management Agency and professional waqf institutions registered with the Indonesian Waqf Board will be a strategic step in developing waqf assets, especially considering that investment capacity can be increased by up to 10% in Indonesia. The recommendation from this research is that BPKH and waqf institutions in India collaborate closely for the benefit of waqf and public funds, and actively provide accurate information to the public in order to reduce the spread of wrong news regarding the current status of Hajj funds.
Tinjauan Hukum Islam tentang Sistem Bagi Hasil dalam Usaha Bersama Umar, M Abdullah
Jurnal Ekonomi Syariah dan Pariwisata Halal Vol 1 No 1 (2022): Journal of Syariah Economic and Halal Tourism (JSEHT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) ALIFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70371/jseht.v1i1.37

Abstract

Para ahli hukum Islam secara sepakat mengakui keabsahan mudharabah ditinjau dari segi kebutuhan dari manfaat pada suatu segi dank arena sesuatu dengan ajaran dan tujuan syari’ah dan segi lainnya. Cara penghitungan keuntungan dalam bagi hasil mudharabah yaitu dalam pembagian keuntungan harus dinyatakan dalam bentuk persentase antara kedua belah pihak. Bagi untung dan rugi bila laba besar, maka kedua belah pihak mendapatkan keuntungan yang besar dan sebaliknya. Menentukan besarnya keuntungan ditentukan berdasarkan kesepakatan masing-masing pihak yang berkontrak. Tujuan dalam penelitian ini adalah untuk menganalisis  tinjauan hukum Islam tentang sistem bagi hasil usaha bersama. Penelitian ini merupakan library research. Pengumpulan data dilakukan dengan menggunakan data sekunder yang berasal dari buku-buku, literatur, jurnal, karya tulis, dan internet. Hasil penelitian mengemukakan berdasarkan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No:l05/DSN-MUI/X/2016 Tentang Penjaminan Pengembalian Modal Pembiayaan Mudharabah, Musyarakah, dan Wakalah Bil Istitsmar. Menurut Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia menjelaskan bahwa keuntungan harus disertai oleh kesediaan menanggung resiko. Dalam bekerja sama seharusnya pelaku bisnis menegakkan sistem keadilan pada pembagian keuntungan maupun kerugian, sebagaimana yang dijelaskan dalam Al Qur’an Surah An Nahl ayat 90. Dalam melakukan perjanjian kerja sama harus menerapkan sikap transparan terhadap hal-hal yang berkepentingan terhadap usaha yang dijalankan. Dan dalam pengambilan keputusan, harus atas dasar persetujuan dan keridhaan kedua belah pihak.
Co-Authors Hengki Irawan Komariah, Rizka Saputra, Ridwan Gilang Aji Sonjaya, Niken Ardyani