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All Journal Journal of Islamic Economics and Finance Jurnal Ekonomi Bisnis dan Kewirausahaan Jurnal Ekonomi Syariah Jurnal Ilmiah Keagamaan dan Kemasyarakatan
Muhammad Iqbal Sanjaya
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Konfigurasi Hukum Ekonomi Syariah Terhadap Siasat Dalam Jual Beli Bersyarat Muhammad Iqbal Sanjaya
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 paper departs from the author's academic anxiety regarding the diversity of buying and selling practices with the addition of conditions carried out by some people. The emergence of conditional buying and selling practices is based on debts, but to be able to avoid practices that are prohibited in Islam, that's why legal tactics are carried out. There are two conditional practices that the author presents, the first is conditional buying and selling practices in this case the seller has the right to be able to repurchase the goods from the buyer based on a mutually agreed upon time. The two practices are conditional buying and selling with the strategy of reselling at a cash price but below the buying and selling price carried out with a credit system. This type of research is empirical normative research, with a qualitative descriptive approach. The results in this study when viewed from the pillars of the sale and purchase contract, it can be said that they have been fulfilled. In the first case, this practice, in pure writer's opinion, was carried out on the basis of mutual assistance so that it gave birth to benefits for the parties, as reflected in the parties who made the transaction, no one was harmed. However, in the case of the second buying and selling practice it does not reflect any benefit, because the strategy in this practice is very clear that it is taking advantage of other people's circumstances to gain profit.
LITERASI EKONOMI SYARIAH TERHADAP ADAT DAGANG PELAKU EKONOMI PASAR LOS BATU KANDANGAN Muhammad Iqbal Sanjaya; Nor Alia
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

This research is based on the diversity of ethnic groups and ethnic tribes spread throughout Indonesia, one of which is the Banjar tribe, which is an economic player in the Los Batu Kandangan market. The traditions formed are not apart from the doctrines of religious teaching that are growing in the local territory. This research aims to learn about the economic literacy of Los Batu Kandangan market economic actors and the impact of the economic literature of the Los Batu Kandangan market economic actors on the traders’ custom. This research is field research with a qualitative approach. Subjects in this study are Banjarese who became an economic actor in the Los Batu Kandangan market. The subject selection technique used in this research was purposive sampling. Data collection techniques include observations, interviews, and documentation. According to the results of the research shows that the traditions formed are a blend of local culture with the development of the literature and religious teachings of Islam existing in Hulu Sungai Selatan district and they are in wellliterate category, which has been described in some indicators of Islamic economic aspects.
TRANSFORMASI INSTRUMEN PEMBIAYAAN AKAD MURABAHAH BIL WAKALAH MENURUT FATWA DEWAN SYARIAH NASIONAL DAN PENERAPANNYA DI BANK SYARIAH MANDIRI KCP BARABAI KABUPATEN HULU SUNGAI TENGAH Muhammad Iqbal Sanjaya
An-Nahdhah | Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 13 No. 2 (2020): 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.v13i2.85

Abstract

This research was born based on the author's academic anxiety in seeing the application of financing applications based on the murabahah contract instrument at Bank Syariah Mandiri KCP Barabai that has not complied with the guidelines or fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The purpose of this research is to comprehensively see the suitability of regulations or fatwas with the level of application. This research is an empirical juridical research which means research that departs from a regulatory perspective and looks from the implementation side in the field. Data collection techniques using observation and interview methods. The results of this study are based on the author's formulation, first: Regulation or Fatwa DSN-MUI as the operational validity of the financing instrument with a murabahah agreement totaling 12 (twelve) fatwas with details of 11 (eleven) fatwas on murabahah and 1 (one) fatwa regarding wakalah as a supporting fatwa in the smooth process of murabahah financing, because the distribution of funds based on the murabahah contract at BSM KCP Barabai cannot be carried out with a single contract (murabahah) so it requires a supporting contract, namely wakalah, therefore murabahah bil wakalah is said. Second: The murabahah loan application for Bank Syariah Mandiri KCP Barabai is still not in accordance with the National Sharia Council (DSN) fatwa number 04/DSN-MUI/IV/2000 regarding Murabahah in the general provisions in point (h), and is also not in accordance with the Standard Book Sharia Banking Products as guidelines for implementing murabahah operations. Because the object in murabahah does not exist, it is only limited to the formality stated in the financing clause.
KONSUMERISME GENERASI MILENIAL DIERA DISRUPSI Muhammad Iqbal Sanjaya
An-Nahdhah | Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 14 No. 2 (2021): 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.v14i2.102

Abstract

Consumerism is excessive behavior in meeting the needs of life, especially in the era of disruption, everything changes so quickly, one of which is a shift in consumer behavior from traditional shopping culture to a digital system. The market share in the digital economy is dominated by the millennial generation. The millennial generation is expected to continue to hone skills and update literacy so as not to be carried away by uncertain currents and waves. In fact, long before this era of disruption, in the study of Islamic economics which was sourced from the values ??of the Qur'an, humans were taught not to be excessive or wasteful. As in Q.S al-A’raf: 31 dan Q.S al-Isra: 26-29.
Implementasi Upaya Penghindaran Gharar dalam Transaksi Pasar Uang Syariah Ismatul Aula; Ananda Rizki Aulia; Rina Widayanti; Tiara Nahda Wati; Muhammad Iqbal Sanjaya
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 2 No. 2 (2025): April : Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBER)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/5sck0449

Abstract

This study aims to analyze the implementation of gharar avoidance efforts in sharia money market transactions in Indonesia. The method used is qualitative through a literature review, by collecting data from literature, regulations, and documents related to gharar avoidance practices and strategies. The results of the study indicate that the implementation of clear sharia contracts, supervision from DSN-MUI and OJK, and the use of technology such as smart contracts and blockchain can minimize gharar elements in sharia money market transactions. Transparency and clarity of the main elements of the transaction, such as objects, prices, and time of delivery, are the main keys to avoiding uncertainty and potential losses for the parties. In addition, continuous improvement of sharia financial education and literacy also strengthens consumer protection and public trust. However, challenges remain, especially related to the low level of sharia financial literacy and the complexity of innovative financial products that have the potential to cause new gharar. Overall, efforts to avoid gharar are important to maintain the integrity and sustainability of the sharia money market, so that continuous strengthening of education, supervision, and technological innovation is needed so that the sharia money market becomes more credible and trusted by the public..
Gaya Hidup Konsumtif Generasi Z dan Kaitannya dengan Inflasi dalam Perspektif Ekonomi Syariah Annisa Annisa; Norbaiti Norbaiti; Walinasifa Walinasifa; Norkhadizah Makkiah; Muhammad Iqbal Sanjaya
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v3i3.2916

Abstract

This study aims to provide an overview of the consumption patterns of Generation Z and how they relate to inflation from an Islamic economics perspective. A library research strategy is used in this investigation. Information was gathered from a number of sources, such as books, journals, and other problem-related scientific resources. The results indicate that Gen Z's consumption habits could lead to demand-pull inflation, or an increase in inflation. Prices rise when the supply cannot keep up with the substantial increase in demand for products and services brought on by consumer behavior. When Gen Z consumes technology, fashion, entertainment, and food items all of which are frequently popular and seasonal this issue becomes more noticeable. Consumption is controlled in Islamic economics to avoid becoming wasteful (tabzir) or excessive (israf). Needs (maslahah), not only wants or carnal emotions, must be the basis for consumption. The primary remedy, according to Islamic economics, is to emphasize beneficial consumption, Islamic-based money management, and bolstering social and spiritual values in order to curb consumption and prevent detrimental effects on people or the economy.  
Co-Authors Ananda Rizki Aulia Annisa Annisa Ismatul Aula Nor Alia Norbaiti, Norbaiti Norkhadizah Makkiah Rina Widayanti Tiara Nahda Wati Walinasifa Walinasifa