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TSAQAFAH
ISSN : 14110334     EISSN : 24600008     DOI : -
TSAQAFAH (pISSN: 1411-0334 | eISSN: 2460-0008) is journal of Islamic civilization published by University of Darussalam Gontor. It is semiannual journal published in May and November for the developing the scientific ethos. Editors accept scientific articles and result of research in accordance with its nature as a journal of Islamic Civilization, such as: Islamic Philosophy, Islam and Contemporary Issues, Religious Studies, Islamic Science, Islamic Economics, Islamic education, Qur’anic Studies, Islamic Law, and Islamic Ethics
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Articles 590 Documents
Character Debitur Bank Syariah dalam Memenuhi Kewajiban Saparuddin Siregar
TSAQAFAH Vol. 9 No. 1 (2013): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i1.41

Abstract

Observing the NPF ratio of  Syariah Banking which is compare with the NPL in Conventional Banking, it is found out that NPF usually higher than the NPL. Syariah Banking is a Bank which applies the Islamic morality in approaching or interacting with it’s customer. This kind of  approaching will bring in or encourage a good character of  customer, but it’s questionable why the NPF still high. Weber’s theory explain that there is a relationship between religion and behavior, so this research will describe what are the causal factor of  NPF, what are the character’s of  the debtor in sharia banking and try to analyze how the correspondence of  the Weber’s theory in this field. This research is a kind of socio religious research which use statistical descriptive analysis. The population of this research is the all of sharia bank in north sumatera, which took BPRS Puduarta Insani addresses in Kabupaten Deli Serdang as a sample. Source of data are documents, records such a list of  non performing financing on the Agustus 2011. Besides collecting the information through study documents, some interviews to officers and staff  are conducted. The results of  this study shows that the factors influenced the NPF are bad character (37%), followed by uncomfortable condition (27%) and lack of collateral (20%). capacity only influ- enced 10%, while capital only 6%. The Decreasing of NPF in BPRS by religious approach, good fight, and high pressure, have positive effect for the NPF. By this research Weber’s theory has correspondence with the empirical fact.
Corporate Governance Engineering of Islamic Banking and Finance: Tantangan Globalisasi Sistem Ekonomi dan Pasar Bebas Budi Sukardi
TSAQAFAH Vol. 9 No. 1 (2013): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i1.42

Abstract

The development of Islamic banking indicated dynamic changes and rapid growth. Some countries such United States, United Kingdom, European Union, Canada, Singapore implemented the Islamic financial system. However, economic globalization, laissez-faire, and financial crisis that engulf Indonesia as consequence the lack of bankers commitment to corporate governance, regulation and supervision of the government,business climate of banking do not prioritize business ethics between investors and bankers. Emerging debate that the models of corporate governance developed in western countries can not applicable in Muslim countries, even countries with high levels of corruption. Both models oscillated to find solution in fulfill stakeholders which the principles of morality have been ignored. The Implementation of corporate governance became part of social responsibility, values, ethics and norms must be possessed by Islamic banking due to highly correlated with the organizational readiness and the alignment of management actions to satisfy and ser ve stakeholder needs ,giving an exclusive deals in compliance the justice of morality ,social welfare,economic and political system, corporate image and accountability in keeping the identity of Islam as a religion. Corporate governance became a value system in Islamic financial institutions which giving same legal protections to all stakeholders, it would have an impact the effectiveness, the sustainability of institutions and generate trust with security sense of the community ,financial efficiency ,fiscal and monetary policies resulting in financial equilibrium.
Peran Intermediasi Sosial Perbankan Syariah bagi Masyarakat Miskin Syafii Antonio; Hilman F. Nugraha
TSAQAFAH Vol. 9 No. 1 (2013): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i1.43

Abstract

The ongoing  Islamic banking gets a lot of criticisms due to its unability to become the manifestation of the Islamic values which can be utilized by all people. These criticisms can be attributed to at least some indicators such as the dominance of non profit sharing contract (Murabahah) on Islamic banking practices that can only be enjoyed by the middle to upper class of  society, or the lack of optimization of the innovative Islamic banking products that can touch the majority of  the poor. This paper would like to discuss and explore the possible role of  social intermediation that can be carried out by the Islamic banking in addition to its role of  financial intermediation. By doing so, it can answer the stigma which states that Islamic banking is not pro poor. Based on the literature review and discussion, the role of  social intermediation by using social funds which are accordance to the perspective of  Islam namely charity, infaq, Sadaqah, endowments, and grants (ZISWAH) can be applied as the additional products or policies of  Islamic banking in order to serve the poor through several strategies, namely: (1) the establishment of special units for social intermediation and (2) the cooperation with LKMS in certain programs special for the poor.
Dirasah Fiqhiyyah Lihadits “Bai’atain fi Bai’ah” fi Manzur al-Iqtisad al-Islami Daud Rasyid
TSAQAFAH Vol. 9 No. 1 (2013): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i1.44

Abstract

Hadits is one source of Islamic Law. There are contracts which are forbidden is Islamic Law. One of that forbidden contracts is two sales in one contract (bay’atayn fi bay’ahor s}afqatayn fi s}afqah). There are narrations of the Ahadith which forbids this type of contract. The paper discusses the authenticity of these narrations and its legal meaning. According to the science of Hadits that daif (weak) Hadith could not be considered as valid source of law. There are three narrations related to this topic i.e. through Abu Hurayrah, Amru ibn Shuaib and Ibn Mas’ud. The Prophet (pbh) has forbidden two sales in one contract. This Hadits is generally considered as Sahih hence some transactions which come under this type are deemed as void. Muslim scholars have different opinion with regard to the meaning of this Hadits. There are some forms of contract which are forbidden is Islamic Law such as 1.  Bay’ al-ienah, 2.Bay’ al-Kali’ bil Kali’ and Bay’ al-Taqsit or Ta’jil (on deferred payment). This paper is an effort to shed the light on these types of contract referring to the opinions of Muslim intellectuals from different school of thought (Hanafite, Shafiite, Malikite and Hanbalite) with some conclusion et the end.
Masalah Penerjemahan Kolokasi dalam Tafsir Fi Zilal al-Qur’an Saifullah Kamalie
TSAQAFAH Vol. 9 No. 1 (2013): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i1.45

Abstract

Collocation is a universal linguistic phenomenon and has become the research topic of linguists, dictionary experts, language pedagogy experts, and also those who are involved in the field of translation. According to translation experts, a good translation is a translation that looks not like a translation. One of factors that cause the readers knowing and feeling that a translation is a translation is that the translator fails to identify a combination of a number of lexical items as a collocation. The ability to identify a collocation in the original text is the initial capital for a successful translation. In general, the translator is not a graduate from translation department of literature faculty. The Arabic language skills they have may already be sufficient. However, to become a good translator is not enough to just master the source language, but also should master the target language. It must be admitted, that during this time, learning Arabic is mainly concentrated on grammar alone while collocation is still a 'rare' or 'weird' thing in the eyes of the Arabic language learners. Teaching of Arabic language by giving an attention to the collocation will familiarize learners to use Arabic language appropriately like native speakers do it. If the translators know collocation and succeed to identify it in doing analysis on the source text, the result of translation will be free from the literal translation and the rigid structure of the language.
Kontribusi Etika Islam pada Pendidikan Politik: Solusi bagi Problema Civil Society Indonesia Era Reformasi M. Abdul Fattah Santoso
TSAQAFAH Vol. 9 No. 2 (2013): Islamic Ethics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i2.51

Abstract

Paying attention to the gap between the fenomenal discource dan movement of civil society in the Indonesian politics in 1990s and its anomali movement in the reformation era, has been be studied the problems of Indonesian civil society in such era using documents and decriptive and critical analysis in order to be sought its ways out using reflective analysis. Instead of being strong, Indonesian civil society in the reformation era really weakened. The civil society those formerly had autonomy  were  coopted  by the state when their  leader  got power.  The leaders themselves looked inconsistent in democratic culture. Moreover, civil society grew as a mean of  struggle for power, and when the power was in hand they coopted the state. Besides, the public civility collapsed and the new primordialism, such as etnic nationalism, communalism, and religious sectarianism, appeared. As a solution to civil society’s weakness, is absolutely needed their empowerment through political education prioritizing Islamic ethics based on civic values: civility, autonomy, self-help, self-sufficiency, and social contract. Civility is an ethical solution for solving problems of anomalous growth of civil society as a mean of struggle for power, collapse of public civility, and leader’s inconsistency in public civility. Autonomy, self-help, and self-sufficiency are ethical solutions for solving the problem of civil society being coopted by the state when their leader gets power. Moreover, social contract is an ethical solution for solving the problem of civil society coopting the state.
Konsep Nilai dalam Peradaban Barat Dinar Dewi Kania
TSAQAFAH Vol. 9 No. 2 (2013): Islamic Ethics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i2.52

Abstract

The Western’s conception of  values, morals and ethics are so different with Islamic conception. In fact, there is difference about it between western scholars. These is a consequence from secularization that spread upon the whole Europe  after  their  people’s  believe  of  church’s  conductiveness  disappeared. This secularization impacts to the separation between religion’s doctrines and life activities as politic, education even to the marriage. In the end, Western society  considers  the  values  of  religion  are  just  subjective  phenomenal  that experienced by individual and are not universally. Religion has space its self that different  with  space  of  non-religion. The  value  and  moral  concept in West would  be  evolved  and  developed  according  to  western  society’s  conception of  human  being  reality,  religion,  sciences  and  life  it’s self. This paper  has  a purpose to describes western scholar’s thoughts about values and moralities chronologically, starting from medieval centuries when Churches have the power of high legitimacy in western society until renaissance era and then describing about glorious era that the western scholar’s thoughts still influences the concept of values in this century.
Moral Philosophy in the Qur’an From theViewpoint of the Risale-i Nur Said Nursi Jamal Ahmad Sa’id al-Marzuqi
TSAQAFAH Vol. 9 No. 2 (2013): Islamic Ethics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i2.53

Abstract

The  content  of  moral  philosophy  in  Risale-i  Nur Said  Nursi  which  is derived from the Qur’an is abundant. This paper is an attempt to elaborate that moral philosophy of the Qur’an explained thoroughly in Risale-i Nur. The topics discussed here include the idea that evil is not fundamental to the world; it is only a means of knowing good, while men are the source of moral evil. In the Risale-i Nur, Nursi describes the hardships of his life in exile, the difficulties he suffered, and the distress he felt at the inhuman treatment meted out to his brothers, his country, and all humanity even. It is because what regarded as evil such as death is actually an instance of good and the gate of mercy. The plausible question is whether man is free to do and to desire something. For Nursi it is obvious that human freedom can be conducted only within the limits of divine determination.  Nursi  compares  the  wisdom  of  the  Qur’an  and  that  of philosophy,  the  training  and  education  both  offer  to  mankind.  One  of  the things the Risale-i Nur teaches us is that what we suppose to be life is in reality only a small slice of time. Because for us, the past and future are non-existent and dead.
Etika Al-Qur’an Terhadap Non-Muslim Harda Armayanto
TSAQAFAH Vol. 9 No. 2 (2013): Islamic Ethics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i2.54

Abstract

This paper describes the ethics toward non-Muslims based on al-Qur’an. Islam as a religion of peace was accused and insulted by the orientalists frequently. These accusations and insulting stated in several articles, journals either in their books. Their books like Islamic Invasion wrote by Robert Morey and Islam Revealed by Anis A Shorrosh are some sample of how the orientalists discredits Islam. Whereas Islam is not like what they accused. On the contrary, Islam has responding their accusations with an elegant and tolerant doctrine. Islam has teaches its peoples to respects another religion’s people, Islam forbids his people to insult other religions, to excoriate their worships or forcing non-Muslims to convert  or believes  to Islam, even  Islam teaches  its  people to acknowledge non-Muslims  as  brother  and  sister.  This  is  Islam’s  admiration  toward  non- Muslims. Surprisingly, these admirations inversely proportional to what non- Muslims did toward Islam and its people. The abuses as what we mention it before, was being happened even until now. Lately, one of  Christian pastor in United State was told his people to burn the Holly Qur’an or as we known about suppression of Rohingya’s Muslims that was did by Myanmar’s Buddhists.
IntegrasiTauhid dan Akhlak dalam Pandangan Fakhruddîn Ar-Razi Jarman Arroisi
TSAQAFAH Vol. 9 No. 2 (2013): Islamic Ethics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v9i2.55

Abstract

This paper is based on deviation of mindset, attitudes, and human behavior that happened this nowadays. The deviation can be captured through the attitudes and behavior that is no longer based on human nature, but based on the lust. As a result, there is a moral degradation that led to the multi- dimensional crisis. Actually, the previous Islamic scholars, such as Fakhruddîn ar-Râzî had stressed the importance of establishing the mindset, attitude, and behavior on the basis of tawhid or human nature. In Islam, tawhid has a central position. It is the source of mindset, attitudes, and human behavior. Therefore, if tawhid is true, the behavior should be true, and also on the contrary. In Islam, between tawhid and mindsets, attitudes and behavior, have a close relationship, even they may not be separated. The attitudes of a believer, according to ar- Râzî, are being pious, keeping away from dirty deeds, do not hurt others, and do not do things that are prohibited. Meanwhile, the attitudes of musyrik are stubborn, do not believe and reject the truth. Likewise with the deeds. The kindness which is performed by people with correct tawhid should be different with the kindness done by others. The people who has correct tawhid do good thing simply because the worship of God, while those who has not correct tawhid do something based on humanitarian grounds. This matter, in the perspective of tawhid, can be categorized as riya’ and therefore, according to ar-Râzî, can be called by disobedience.

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