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All Journal Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal Kajian Islam dan Sosial Keagamaan Jurnal Ekonomi Manajemen Dan Bisnis (JEMB)
Agung Ikram Gunawan
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Strategi Keadilan Umar Bin Khattab dalam Pengelolaan Baitul Mal: Studi Kasus Pengelolaan Keuangan Publik di Negara-Negara Islam Kontemporer Fahmi Nurfatwa; Dede Sansan Ramlan Sandiayana; Agung Ikram Gunawan; Lina Marlina
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 2 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i2.2222

Abstract

Caliph Umar bin Khattab was one of the greatest leaders in Islamic history who succeeded in building a fair and transparent economic system through the establishment of Baitul Mal. This institution became the center of state financial management that accumulated funds from various sources such as zakat, kharaj, jizyah, and fa'i, then distributed them for the welfare of society. Umar applied the principles of justice, honesty, and prudence in managing the economy, including progressive fiscal policies such as pension systems, social security, and equitable budget allocation. This study uses a library research method to analyze Umar bin Khattab's economic policies and their relevance to public financial management in a Muslim-majority country like Indonesia. The results of the study show that Umar's economic principles, such as transparency, equity, and community empowerment, can be a solution to overcome the challenges of corruption, social inequality, and budget inefficiency in the modern era.
Analisis Pengembalian Dana (refund) pada Pemutusan Akad Asuransi Syariah di Tengah masa kontrak Dede San San Ramlan sandiyana; Mochamad Syahril Sabar Suryana; Agung Ikram Gunawan; Rubby Aziz Zaura Kamal; Raihani Fauziah
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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Abstract

This study explores the refund mechanism in Islamic insurance (takaful), particularly in cases of contract termination prior to maturity. Rooted in the principles of justice, mutual assistance (ta’awun), and collective guarantee (takaful), Islamic insurance avoids elements of riba, gharar, and maisir through a combination of tabarru’ (donation) and tijarah (commercial) contracts. Although Fatwa DSN-MUI No. 21/DSN-MUI/X/2001 stipulates that tabarru’ funds are irrevocable donations, refund practices often raise legal uncertainties due to the absence of standardized procedures and clear contractual provisions. Fatwa DSN-MUI No. 81/DSN-MUI/III/2011 allows for refund agreements, yet implementation varies across institutions. A case study of PT Sun Life Syariah is employed to examine refund practices in mid-contract termination, focusing on contract structure, transparency, and regulatory compliance. Using a normative approach and empirical analysis of policy documents, internal SOPs, and stakeholder interviews, this research aims to propose a refund mechanism aligned with maqashid sharia and Indonesian positive law. The findings are expected to enrich the academic discourse in Islamic economic law and contribute to consumer protection reform in the Islamic insurance industry.
Analisis Penerapan Prinsip Pada Hotel Pekalongan Syariah Iqbal Abdul Azis; Fahmi Nurfatwa; Agung Ikram Gunawan; Rubby Aziz Zaura Kamal; Lina Marlina
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 2 (2025): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i2.6285

Abstract

Analisis penerapan prinsip syariah pada Hotel Syariah Pekalongan menjadi fokus kajian dalam upaya memahami konsistensi praktik industri pariwisata halal di Indonesia. Metode yang digunakan bersifat kualitatif deskriptif dengan pendekatan hukum Islam dan studi pustaka. Hasil kajian memperlihatkan bahwa hotel telah menerapkan sejumlah ketentuan syariah, seperti penyediaan makanan halal, fasilitas ibadah, serta larangan terhadap minuman keras dan hiburan yang dilarang syariat. Namun, munculnya kasus penarikan biaya tambahan tanpa kejelasan informasi menimbulkan polemik publik, yang dinilai melanggar prinsip transparansi, keadilan, dan berpotensi mengandung gharar. Situasi tersebut menunjukkan adanya ketidaksesuaian antara konsep ideal hotel syariah dengan praktik lapangan. Oleh karena itu, penguatan tata kelola, keterbukaan informasi, serta kepatuhan terhadap maqashid syariah sangat diperlukan agar hotel syariah benar-benar memberikan manfaat dan kepercayaan bagi masyarakat.
Co-Authors Dede San San Ramlan sandiyana Dede Sansan Ramlan Sandiayana Fahmi Nurfatwa Iqbal Abdul Azis Lina Marlina Mochamad Syahril Sabar Suryana Raihani Fauziah Rubby Aziz Zaura Kamal