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All Journal International Journal of Sharia Studies Saqifah: Jurnal Hukum Ekonomi Syariah
Okto Viandra Arnes
UIN Sunan Kalijaga Yogyakarta
Religion Humanities Law, Crime, Criminology & Criminal Justice

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The Impact of the Development of Islamic Banking in West Sumatra Province in Review of Maslahah Mursalah Okto Viandra Arnes
International Journal of Sharia Studies Vol. 3 No. 1 (2025): International Journal of Sharia Studies
Publisher : Tunas Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61810/ijss.v3i1.198

Abstract

The development of Islamic Banking in West Sumatra Province has become a significant phenomenon that impacts various economic and social aspects in the region. This research aims to explore the impact of such development with a focus on the Maslahah Mursalah perspective, which involves general welfare without specific restrictions in Islamic law. The research methods included a literature study to understand the theories and findings of previous research, surveys and interviews to collect data from the community, customers, and relevant stakeholders. Data analysis was conducted quantitatively and qualitatively to gain a holistic understanding of the impact of Islamic Banking. The results showed that the development of Islamic Banking in West Sumatra Province has contributed positively to the economic empowerment of the community. Through financial services that comply with sharia principles, financial accessibility has increased, especially among micro and small businesses. Islamic financial literacy has also increased, enabling people to understand and adopt sharia principles in their financial lives. This research presents a comprehensive picture of the impact of the development of Islamic Banking in West Sumatra Province from the perspective of Maslahah Mursalah. The implications of the results of this study can provide policy direction and contribute to a better understanding of the role of Islamic banks in achieving general welfare without overriding the principles of sharia.
ANALISIS FATWA DSN-MUI NO.28/DSN-MUI/III/2002 TENTANG JUAL BELI MATA UANG Okto Viandra Arnes
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 8, No 1 (2023): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v8i1.398

Abstract

Buying and selling a common contract used by the community. One of the current buying and selling is and selling currency. Currency transactions can be carried out by one body/company or individuallly with various purposes. Every time yuo make a currency sale and purchase transaction, the exchange rate is used. This exchange rate can fluctuate according to conditions from time to time caused by various factors such as economic and political factors. Money has a big role in various economic streams, because money is a barter tool, a measure of value and a means of paying debts and cash. Buying and selling currency or alsharf is a from economic activity that is influential in fulfilling the basic needs of modern human ilfe today, buying and selling currency may be carried out both in buying and selling similar currencies or currincies of different types as long as it is paid in cash and the exchange rate done must be of equal value. This exchange rate must be in accordance with the principles of islamic law in order to avoid usury, gharar and maysir. Based on the backround above, the formulation of the problem in this study is how ti analyse the legal basis of the DSN No.28/DSN-MUI/III/2002 concerning buying and selling currency (Al-Sharf). This research was conducted by means of a qualitative approach. Then this type of research is library (library research), which is a way of collecting data through the library, examining the literature in the books that exist in relation to the title. The data processing technique  is through the inductive method and the analytical method. The results obtained from this study are that the system in the operational mechanism for buying and selling currencies must be based on the Al-Qur’an, Hadis and Ijma. Currency buying and selling is a transaction that is permisible in Islam in accordance with certain laws that have been explain by syara’.
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