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All Journal Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA)
Halwa Halimatusadiyah
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Prinsip-prinsip Syariah dalam Operasional Lembaga Keuangan Syariah Laila Maulida; Risa Aprilida; Halwa Halimatusadiyah; Fahmi Abdul Mukhsi; Joni Joni; Raihani Fauziyah
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 4 (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.v3i4.2787

Abstract

Islamic financial institutions have emerged as an alternative within the modern financial system, founded on Islamic values and principles. Their main objective is to realize justice, sustainability, balance, and collective welfare in economic activities. This study aims to provide an in-depth explanation of the Sharia principles underlying the operations of Islamic financial institutions, including the prohibition of riba (interest), gharar (uncertainty), and maysir (speculation), as well as the implementation of profit-sharing, justice, transparency, and trustworthiness in all business activities. The research employs a library study method with a qualitative-descriptive approach by analyzing relevant primary and secondary literature sources. The findings indicate that the implementation of Sharia principles not only differentiates Islamic financial institutions from conventional financial systems but also adds significant value through Islamic business ethics, social responsibility, economic sustainability, and protection of customer and community interests. Therefore, a comprehensive understanding of Sharia principles is essential to maintaining the integrity, public trust, and long-term sustainability of Islamic financial institutions in today’s era of global economic development.
Kajian Normatif Syariah terhadap Kebijakan Suku Bunga Bank Indonesia selama Pandemi COVID-19 Darin Diffana Athifah; Dzakwan Afaf Muhammad; Halwa Halimatusadiyah; Ima Nurmaliah
Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Vol. 3 No. 1 (2025): November
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jimea.v3i1.6132

Abstract

Pandemi COVID-19 menyebabkan perlambatan ekonomi di Indonesia sehingga Bank Indonesia menurunkan BI 7-Day Reverse Repo Rate (BI7DRR) secara bertahap untuk meningkatkan likuiditas dan mendorong sektor riil. Kebijakan ini menimbulkan pertanyaan normatif dari perspektif ekonomi syariah terkait larangan riba. Penelitian ini bertujuan untuk menganalisis kebijakan suku bunga BI selama pandemi dari perspektif syariah serta mengeksplorasi alternatif kebijakan moneter berbasis prinsip syariah yang mendukung stabilitas ekonomi dan pertumbuhan sektor riil. Metode penelitian menggunakan pendekatan normatif deskriptif melalui kajian literatur primer dan sekunder, termasuk fatwa DSN-MUI, pemikiran fuqaha kontemporer, dan data kebijakan moneter BI. Hasil penelitian menunjukkan bahwa meskipun BI tidak terlibat langsung dalam praktik riba, kebijakan penurunan suku bunga tetap mempertahankan struktur ekonomi berbasis bunga dan dapat ditoleransi dalam kondisi darurat (al-dharūrāt tubīḥu al-maḥẓūrāt), namun tidak dapat dijadikan dasar permanen. Instrumen moneter syariah seperti Sukuk BI terbukti memiliki potensi untuk menjaga likuiditas, mendorong pertumbuhan sektor riil secara adil, dan memperkuat transmisi kebijakan moneter. Kesimpulannya, kebijakan moneter berbasis prinsip syariah menawarkan alternatif yang inklusif, berkeadilan, dan berkelanjutan bagi sistem moneter nasional.
Co-Authors Darin Diffana Athifah Dzakwan Afaf Muhammad Fahmi Abdul Mukhsi Ima Nurmaliah Joni Joni Laila Maulida Raihani Fauziyah Risa Aprilida