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All Journal Berajah Journal Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi
Muhammad Muchlis, Madian
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Sejarah Perkembangan Asuransi Syariah Serta Perbedaannya Dengan Asuransi Konvensional di Indonesia Maura Syafa’ah, Della; Muhammad Muchlis, Madian
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 1 No. 6 (2023)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sinomika.v1i6.716

Abstract

One example of teachings related to commands and prohibitions is insurance. Insurance is an attempt to protect each other in a number of people. Insurance that is often used by most people today is conventional insurance. This type of insurance is not insurance known by the previous figures, namely among fiqh experts. Because conventional insurance mechanisms are not included in transactions known by Islamic fiqh. Thus, this study aims to determine the extent of the development of Islamic insurance by looking at the difference with conventional insurance. In this study, the authors used a qualitative research approach in the form of literature studies. Data collection based on relevant reference sources. The data sources taken are secondary data in the form of articles and journals as well as information on the internet based on the object of discussion and primary data in the form of laws or sources that are accounted for. The result of this study is a good development of Sharia insurance in Indonesia and Sharia insurance has differences with conventional insurance that is the basic concept, risk management, and other principles. The increased appreciation of the surrounding community to this insurance, it will experience rapid growth in both Sharia insurance and conventional insurance in the future.
Transformasi Ekonomi Melalui Piala Dunia FIFA 2022: Analisis Meningkatnya Pendapatan Per Kapita di Qatar sebagai Tuan Rumah Aqila Chairunnisa, Gina; Muhammad Muchlis, Madian
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 2 No. 4 (2023)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sinomika.v2i4.1614

Abstract

The FIFA World Cup in Qatar is a prestigious sporting event, providing a unique opportunity for the country to gain economic benefits and increase Per Capita Income (PPK). This research aims to explore the impact of holding the World Cup on Qatar's PPK, by focusing on infrastructure development, economic investment and its long-term effects. This research uses descriptive design and comparative analysis with quantitative and qualitative approaches. Economic and infrastructure data is collected from official institutions and Qatari government authorities. Regression analysis is used to identify the relationship between independent variables (infrastructure development, economic investment) and the dependent variable (Income Per Capita). The research findings show that Qatar experienced a significant increase in Per Capita Income during and after the 2022 World Cup. The construction of modern stadiums, expansion of transport infrastructure and World Cup-related economic investments served as key drivers of the increase. This research concludes that holding the 2022 FIFA World Cup has a positive impact on Qatar's Per Capita Income, opening the door for learning and economic development strategies in the future. The implications of the research findings can provide guidance for other countries planning to host similar international sporting events.
Analisis Praktik Riba dalam Layanan Pinjaman Uang berbasis Fintech Lending Aplikasi Adapundi Salim, Zainab; Muhammad Muchlis, Madian
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 2 No. 5 (2024)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sinomika.v2i5.2213

Abstract

Lately, a wide variety of fintech lending-based loan offers (online loans) through applications can be found on all platforms. Many people are interested in using the service because of its easy requirements, large limits, long tenors, and fast disbursement processes. However, behind the attractive offer, there are several adverse effects including interest rates that are contrary to the principles of muamalah Islam. This study aims to describe the mechanism of fintech lending-based lending services in the Adapundi application and analyze the elements of riba practices in it based on Sharia economic law. This type of research is descriptive research using a qualitative approach. The research method used in this study is library research. The source of data in this study is the fintech lending application (online loans) Adapundi and its official website. The results of this study indicate that: (1) fintech-based loans lending is considered a quick and easy financial solution, but in its operation, there is an interest system that is prohibited in Islam. (2) there are two types of riba in the practice of lending money in the application of Adapundi, namely riba qardh and riba jahiliyah. The addition of the principal loan amount of 0.03% to 0.3% per day which is riba qardh and late penalties (between 1-7 days) which will be charged interest of 1.2% per day from the principal is riba jahiliyah.
IMPLIKASI CAFTA TERHADAP PRODUK JADI INDONESIA DI TIKTOK SHOP: TINJAUAN LITERATUR Kamila, Noni; Muhammad Muchlis, Madian
Berajah Journal Vol. 4 No. 1 (2024): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v4i1.280

Abstract

The implications of the China-ASEAN Free Trade Area Agreement no longer only impact conventional economic transactions, but have also impacted digital economic transactions in Indonesia. The emergence of social e-commerce is an application with dual functions: as a social media application as well as an online shopping application which in this case is TikTok with its TikTok Shop feature is very troubling for micro, small and medium enterprises in Indonesia. Therefore, this research will examine the impact of the China-ASEAN Free Trade Area agreement on online buying and selling transactions via TikTok Shop. The data collection method used is the literature review method (library research). This type of research is descriptive research through a qualitative approach. The impact of the Free Trade Area coupled with the penetration of imported goods directly (cross border) from China has resulted in the proliferation of finished products offered at prices that are much cheaper to below the cost of production of local finished products for similar products. This affects the competitiveness of micro, small and medium enterprises.
Implementasi Prinsip-Prinsip Hukum Ekonomi Islam dalam Sistem Keuangan Negara Savitri, Dewi; Muhammad Muchlis, Madian
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 2 No. 6 (2024)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sinomika.v2i6.1716

Abstract

Significant progress has been made in Indonesia in the past several years to fortify and grow the Islamic finance industry as a vital component of the country's financial system. The purpose of this study is to investigate how the national financial system incorporates the tenets of Islamic economic law. The study uses a qualitative methodology and analyzes data from a range of sources, including scholarly publications. According to the findings, the national financial system adheres to the principles of Tawhid, fairness, perfection (Ihsan), responsibility (Mas'uliyah), moderation (Wasathiyah), and honesty as part of Islamic economic law. The incorporation of these concepts into the country's financial system yields noteworthy benefits in terms of social fairness, communal prosperity, economic empowerment, and corruption prevention.
Analisis Akad Peminjaman Uang Melalui Aplikasi Pinjaman Adakami dalam Perspektif Ekonomi Islam Cantika Suhardiman Putri, Radya; Muhammad Muchlis, Madian
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 2 No. 6 (2024)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sinomika.v2i6.1776

Abstract

AbstractThis research examines the Islamic Economics perspective on online loans, primarily through the Adakami application. This study aims to reveal Islamic views on online loans, understand the money lending system on the Adakami application, and determine whether Adakami online loans comply with Islamic law. This examination uses a qualitative descriptive methodology. The data was from scientific articles and news about online lending law in Islam and the Adakami platform. The findings of this research reveal that Muslims are allowed to borrow online but must follow established Sharia principles. The principles that must be taken into account include that the borrower is due, the loan item is an item that can be counted, the loan item can be used per Sharia, there is a handover process (ijab-kabul), and there are no additional benefits for any party. The Adakami platform violates one of the existing Sharia laws: taking advantage of the lending party (riba) by charging interest on loans. Therefore, online borrowing using the Adakami application is not allowed in Islam.
Co-Authors Aqila Chairunnisa, Gina Cantika Suhardiman Putri, Radya Dewi Savitri Kamila, Noni Maura Syafa’ah, Della Salim, Zainab