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All Journal EKSYDA: Jurnal Studi Ekonomi Syariah Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Jurnal Ekonomi Syariah Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Ekonomi dan Bisnis (Ekobis-DA)
Setyanoor, Erwan
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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PENGGUNAAN POTRET ORANG LAIN SEBAGAI MEDIA PROMOSI (TINJAUAN EKONOMI SYARIAH dan UNDANG-UNDANG No 28 Tahun 2014) Setyanoor, Erwan
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 1 No. 01 (2023): Al-Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

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Abstract

This study investigates the view of Islamic law and law number 28 of 2014 concering regulations for using other people’s pictures to be used as promotional media and how it should be so that other people’s portraits can be used as promotional media. This research is a litertature reveiw, it shows that it violates several things in islamic business ethics, the commercial use of the people’s portraits violates things such as dishonesty, lack of transparency because they have used other people’s portraits without permission. Indonesia has regulations in the form of law to prohibit this, namely law number 28 of 2014 in the first point violates article 9 number 3 which. If concluded as follows “any person without permission of the creator is not allowed to use the creation for profit”, article 12 everyone is prohibited from using other people’s portraits for commercial use without permission from the person being photographed or their heirs. Based on some of the previous things, the outhors draw the conclusion that there is harmonization between law in Indonesia and the Islamic economy, namely providing protection for one’s rights.
DINAMIKA DIGITALISASI PERBANKAN Setyanoor, Erwan
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 1 No. 02 (2023): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

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Abstract

Human beings are social beings who fulfil needs of life and need others, and also need technology to support them. Technology in this era demands an understanding of it, so, it can be used in every sector in life. This article discusses technology in the financial and banking sectors that is very beneficial and helps in the traffic of payments, that is, digitalization, which is an application based on digital. Banking financial digitalization is the application of a digital system on payment traffic services. The digitalization of the economy in general has a huge potential and allows to reach Indonesia to go digital. The result of this writing is that the positive thing of financial digitization is economic traffic that is increasingly fast and even, making Small and Medium Enterprise (SME) more expanding, can empower human resources. This can be seen from the disabled Gojek/grab partner, which is practical and very easy. Manufacturers efficiently reduce transaction costs and make the cost of printing cartel money low. In addition, the existence of digitalization, it is making some parties lose jobs by replacing them with machines, creating new jobs and making communities with low ICT skills in trouble, becoming less competitive in business, generating new types of crime like cyber-crime, it causes the closure of bank offices, creating monetary policy implications, the risks of the IT security used, a shift in public savings, and reducing the currency component in base money
KEMITRAAN BANK KONVENSIONAL (STUDI KOMPARASI PENDAPAT ULAMA KLASIK DAN ULAMA KONTEMPORER) Setyanoor, Erwan; Rifdalena Iklila
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 2 No. 01 (2024): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

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Penelitian ini dilatarbelakangi oleh pendapat-pendapat ulama-ulama baik salaf maupun khalaf mengenai keharaman riba serta turunannya yang masih berhubungan dengan yang dinamakan riba, seperti hukum kredit di bank konvensional, bekerja di bank konvensional, hal ini telah lama menjadi bahan diskusi para ahli. Penulis disini memposiskan diri pada penelitian mengenai hukum agen bank yang mana bersifat kemitraan dalam menjalankan usahanya. Jenis penelitian ini menggunakan metode penelitian kualitatif. Hasil dan pembahasan menunjukkan bahwa agen merupakan salah satu nasabah bank yang bekerja sama dengan bank tersebut dan bunga bank mengandung riba sehingga hukumnya haram. Dapat disimpulkan jika hukum agen yang bekerja sama dengan bank konvensional itu diperbolehkan asal menghindari transaksi-transaksi yang dilarang dalam Islam, seperti melakukan transaksi jual beli.
HUKUM ARISAN ONLINE, ARISAN GUGUR, DAN ARISAN BARANG PERSPEKTIF K.H.MOCHYAR DAHRI -, Dita Indah Lestari; Setyanoor, Erwan
EKSYDA: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2025): EKSYDA
Publisher : LPPM STAI DARUSSALAM LAMPUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51226/eksyda.v5i2.778

Abstract

This article examines the practice of arisan in various forms, including online arisan, gugur arisan, and goods-based arisan, from the perspective of Islamic law based on the views of K.H. Mochyar Dahri. The background of this study is the increasing popularity of technology-based arisan practices that have raised legal and ethical issues, requiring clarification from a sharia perspective to ensure compliance with Islamic commercial principles. This research employs a qualitative method with a descriptive approach, using field data collection techniques through in-depth interviews and documentation of relevant literature. The aim is to describe and analyze the legal status of each type of arisan in light of Islamic principles such as justice, transparency, and public benefit. The findings indicate that each form of arisan has a different legal status depending on the clarity of the contract, mutual agreement, and the avoidance of gharar (uncertainty), riba (interest), and maysir (gambling). Online arisan is permissible if it avoids prolonged use of conventional banking systems. Gugur arisan is valid if there is mutual consent from the outset. Goods-based arisan, however, tends to be problematic due to price fluctuations. In conclusion, arisan is permissible when it follows sharia principles. This study contributes to contemporary Islamic legal literature on digital socio-economic practices.
LITERATURE REVIEW ON THE STRATEGIC POSITION OF MURABAHAH AGREEMENT IN SHARIA FINANCING: Rafi, Muhammad; Adenan, Ahmad Rezky; Agus, Noor Helmalia; Badaly, Muhammad Zeini; Setyanoor, Erwan
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol. 2 No. 2 (2025)
Publisher : PT. Pustaka Andil Lestari

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This study aims to examine the strategic position of the murabahah contract in Islamic financing through a literature review approach. Murabahah is one of the most widely used Islamic banking products, as it emphasizes the principles of transparency and fairness, making it an essential instrument in the development of the Islamic financial system. The research method applied is a literature review, analyzing various academic sources, fatwas, regulations, and previous studies that discuss the practice and implications of murabahah contracts. Data were collected through a comprehensive review of relevant literature and then critically and comparatively analyzed. The findings indicate that murabahah plays a dominant role in Islamic financing, both in consumptive financing (such as housing and vehicle purchases) and productive financing (working capital and investment). Its main strengths lie in the clarity of contract structure, transparency of profit margins, and compliance with sharia principles. Furthermore, murabahah is relatively easy to implement, low-risk, and widely accepted by society. In conclusion, murabahah occupies a strategic position in Indonesian Islamic banking because it supports financial system stability, expands access to financing, and contributes to community empowerment and MSME development. Therefore, murabahah can continue to serve as a main pillar in the sustainable growth of the Islamic finance industry.
ANALISIS PRINSIP SYARIAH DAN TEORI KEUANGAN MODERN PADA MANAJEMEN RISIKO PEMBIAYAAN BANK SYARIAH DAN BANK KONVENSIONAL Junaidi, Ahmad; Fatimah; Maysarah, Siti; Muslimah, Tiara; Setyanoor, Erwan
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol 2 No 1 (2025)
Publisher : PT. Pustaka Andil Lestari

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This research analyzes risk management in Islamic and conventional banks in Indonesia using a comparative method. Qualitative data were obtained through an extensive literature review, while quantitative data were derived from the official financial statements of selected banks. The analysis covers various types of risks, including credit risk, liquidity risk, and operational risk, which are critical to banking stability. The findings reveal that Islamic banks, operating under Sharia principles, tend to demonstrate greater stability and resilience compared to conventional banks during financial crises. Although they face challenges in liquidity management and regulatory compliance, Islamic banks perform better in maintaining adequate capital ratios and promoting ethical financing practices. In contrast, conventional banks excel in profitability and revenue generation. Understanding these distinctions is essential for enhancing risk management practices in both banking systems. The results suggest that implementing strategies tailored to the unique characteristics of each banking model can improve financial performance and ensure long-term stability in Indonesia’s banking sector.
SAFE DEPOSIT BOX SEBAGAI IMPLEMENTASI AKAD IJARAH setyanoor, erwan
An-Nahdhah | Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 15 No. 1 (2022): An-Nahdhah Jurnal Ilmiah Keagamaan dan Kemasyarakatan
Publisher : Institut Agama Islam Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/annahdhah.v15i1.115

Abstract

Penulisan ini dilakukan karena produk safe deposit box yang ada pada bank syariah juga terdapat pada bank konvensional, hal ini dilakukan untuk mempelajari bagaimana cara kerja agar memperoleh keuntungan dan akad-akad yang digunakan oleh bank syariah dengan adanya produk yang dinamakan safe deposit box apakah berbeda dengan bank konvensional, hasil tulisan ini dapat disimpulkan bahwa secara garis besar bahwa cara kerja safe deposit box bank syariah hampir sama dengan bank konvensional, tetapi yang membedakan adalah pemakaian akad agar transaksinya menjadi sah yaitu pertama akad wadiah karena bank syariah sebagai penerima titipan, karena menggunakan akad wadiah maka konsekuensi yang harus bank terima adalah tidak bisa mempergunakan barang titipan dan tidak memperoleh laba, lalu kemudian agar bank syariah bisa memperoleh keuntungan maka diterapkanlah akad ijarah dalam hal ini pihak bank syariah memperoleh fee atau uang sewa, dan barang yang dititipkan juga tidak bertentangan dengan prinsip syariah serta tidak bertentangan dengan hukum negara Indonesia.
UPAYA PERLINDUNGAN HUKUM DALAM HAK KEKAYAAN INTELEKTUALTERHADAP PRAKTIK PLAGIARISME HAK CIPTA Ismatul Aula; Widayanti, Rina; Setyanoor, Erwan
JURNAL EKONOMI DAN BISNIS (EKOBIS-DA) Vol. 5 No. 02 (2024): Jurnal Ekonomi dan Bisnis (Ekobis-DA)
Publisher : Fakultas Ekonomi dan Bisnis IAI Darussalam Martapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58791/febi.v5i02.184

Abstract

Praktik plagiarisme dalam hak kekayaan intelektual, khususnya hak cipta, merupakan tantangan serius yang menghambat perlindungan hukum atas karya cipta. Faktor-faktor seperti rendahnya kesadaran masyarakat, lemahnya penegakan hukum, dan minimnya pemahaman terhadap regulasi menjadi penyebab utama maraknya plagiarisme. Penelitian ini bertujuan untuk menganalisis penyebab plagiarisme, mengidentifikasi hambatan dalam penerapan perlindungan hak cipta, dan mengevaluasi penerapan prinsip fiqh muamalah sebagai kerangka etika untuk mencegah plagiarisme. Dengan menggunakan metode kualitatif berbasis kajian pustaka, penelitian ini mengolah data dari berbagai literatur untuk memahami dampak plagiarisme terhadap integritas akademik dan reputasi individu maupun institusi. Penelitian ini menyoroti pentingnya penerapan fiqh muamalah yang menekankan penghormatan terhadap karya intelektual sebagai langkah strategis dalam meningkatkan kesadaran etis masyarakat. Rekomendasi yang diajukan meliputi edukasi masyarakat, penguatan regulasi, dan kolaborasi lintas sektor untuk menciptakan lingkungan yang mendukung perlindungan hak cipta secara konsisten.  
Co-Authors -, Dita Indah Lestari Adenan, Ahmad Rezky Agus, Noor Helmalia Ahmad Junaidi Badaly, Muhammad Zeini Fatimah Ismatul Aula M. Rafi Muslimah, Tiara Rifdalena Iklila Rina Widayanti Siti Maysarah