Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews. The spread of Islamic Economics include: 1. Islamic Finance and Capital Market 2. Islamic Banking 3. Management of Islamic Business and Entrepenuership 4. Islamic Financial Institution non Bank�
Articles
288 Documents
<![CDATA[GADAI DALAM SYARI'AT ISLAM ]]>
<![CDATA[Abdurrahman Misno]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 1, No 01 (2017) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (281.132 KB)
|
DOI: 10.30868/ad.v1i01.226
<![CDATA[Manusia tidaklah selamanya berkecukupan harta, ada masa-masa dimana ia sangat membutuhkan uang untuk memenuhi kebutuhan hidupnya. Jika melihat kenyataan di masyakarat maka didapati banyak orang yang membutuhkan uang karena adanya suatu keperluan mendesak. Gadai menjadi solusi bagi kebutuhan keuangan yang mendesak yang dibutuhkan oleh masyarakat. Sayangnya praktek gadai di masyarakat mengandung unsur riba yang diharamkan oleh Islam, sehingga dibutuhkan adanya teori dan praktek riba yang sesuai dengan syariah Islam. Gadai dalam khazanah Islam disebut dengan rahn, ia adalah menggadaikan suatu barang sebagai jaminan atas transaksi hutang yang dilakukannya. Karena sifatnya adalah akad tabaru’ maka tidak boleh ada manfaat yang diambil oleh murtahin (orang yang menerima gadai). Harta yang digadaikan sendiri adalah tetap menjadi milik dari rahin (penggadai) sehingga tidak boleh digunakan tanpa adanya izin dari pemiliknya. Murtahin diperbolehkan mengambil uang pemeliharaan dari rahin jika harta gadaian tersebut membutuhkan pemeliharaan. Inti dari akad gadai dalam Islam adalah saling tolong-menolong untuk meringankan beban orang lain. Kata Kunci: Rahn, Fiqh Islam, Hukum Islam, Islam Indonesia]]>
<![CDATA[PRINSIP-PRINSIP MUAMALAH DALAM ISLAM ]]>
<![CDATA[Eka Sakti Habibullah]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 2, No 01 (2018) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (786.545 KB)
|
DOI: 10.30868/ad.v2i01.237
<![CDATA[Praktek curang dalam muamalah(mengambil keuntungan sepihak tanpa menghiraukan kerugian pihak pembeli), menjual barang tidak sesuai dengan promosi, bahkan tak jarang mereka mengurangi timbangan sangat masif terjadi. Lebih jauh dinamika pengembangan harta yang bersifat eksploitatif terhadap kelompok lain pun sering terjadi, dan disinyalir keuntunganlah yang menjadi prima klausanya. Padahal menjaga prinsip-prinsip muamalah secara berkelanjutan, akan diikuti oleh keuntungan yang seimbang antara penjual dan pembeli. Pembahasan ini akan menjelaskan secara deskriptif prinsip prinsip muamalah . Pembahasan ini juga akan mengangkat kajian berkaitan prinsip dan asas dalam muamalah. Ketentuan dan batasan muamalah hakikatnya adalah mendatangkan segala mashlahah untuk kita dan menghilangkan segala ke madhorroh. Seperti halnya Allah mengharamkan praktek riba karena terdapat banyak madhorroh didalamnya, bahkan untuk aspek makro ekonomi dapat menyebabkan kehancuran sistemik terhadap masyarakat bahkan terhadap negara.Kata Kunci : Muamalah, prinsip, maslahah.AbstractFraudulent practices in muamalah (taking unilateral benefits regardless of the loss of the buyer), selling goods not in accordance with the promotion, even not infrequently they reduce the scale is very massive occurs. Furthermore, the dynamics of exploitative development of property against other groups are also common, and it is assumed that profit is the prime of the clause. While keeping the principles of muamalah in a sustainable, will be followed by a balanced profit between sellers and buyers. This discussion will explain descriptively the principles of muamalah. This discussion will also raise the study of principles and principles in muamalah. The provisions and limitations of muamalah essence is to bring all mashlahah for us and remove everything to madhorroh. Just as Allah forbids the practice of usury because there are many madhorroh in it, even for macroeconomic aspects can lead to systemic destruction of society even to the state.Keyword: Muamalah, principle, maslahah.]]>
<![CDATA[PERLINDUNGAN HUKUM KONSUMEN TERHADAP PENYALAHGUNAAN KARTU KREDIT MENURUT UU NOMOR 8 TAHUN 1999 DAN BAGAIMANA PERSPEKTIF HUKUM ISLAM TERHADAP PENGGUNA KARTU KREDIT ]]>
<![CDATA[Mohammad Sandia]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 1, No 02 (2017) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (256.466 KB)
|
DOI: 10.30868/ad.v1i02.232
<![CDATA[Produk dan jasa dalam bentuk kartu kredit sebagai alat pembayaran pengganti uangtunai.Dengan adanya Kartu Kredit yang telah dipromosikan oleh Perbankan selaku penerbitkartu kredit tersebut disisi lain dapat memacu nasabah atau konsumen pemegang kartukredit untuk berprilaku konsumtif, misalnya melalui penerapan pemberian Sistem Point yangdikombinasi dengan pemberian hadiah atas sejumlah pembelanjaan produk barang ataujasa. Disisi lain Islam memandang praktek seperti ini jelas-jelas melanggar norma Agama. Kartu Kredit merupakan produk dan jasa Bank yang mengandalkan kepercayaanyang diberikan oleh Bank kepada nasabah, 0leh karena itu perlu mendapat perhatian dalamrangka perlindungan konsumen dari lembaga perbankan. Permasalahan yang dibahasadalah bagaimana perlindungan terhadap pengguna Kartu Kredit dari lembagaperbankan, dan bagaimana pandangan Hukum Islam terhadap pengguna kartu kredit.Keywords: Jasa kartu kredit sebagai alat pembayaran dan bagaimana perspektif HukumIslam.]]>
<![CDATA[INSTRUMEN BUNGA DAN BAGI HASIL DALAM DUNIA PERBANKAN ]]>
<![CDATA[Sujian Suretno]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (633.582 KB)
|
DOI: 10.30868/ad.v3i2.555
<![CDATA[This paper seeks to examine the concept of interest instruments in conventional banking and profit sharing instruments in Islamic banking and their implications for investment and financing for customers in the perspective of the principle of justice in the Islamic economy. This research uses the research library method, the researcher analyzes relevant secondary data related to this discussion, data sourced from journals, books and other reading material. This study uses a phenomenological approach to describe the overall problems of people who experience them directly, in this case are banks and customers. The results showed that the interest instruments at conventional banks tend to be more unfair because the flowering system at conventional banks does not look at the profit and loss of the businesses that are run, both businesses run by banks and businesses run by customers that require working capital financing, especially the impact usury which is very dangerous for the culprit. The profit sharing instrument at Islamic banks is based on the profit and loss of the business carried out by banks and customers are considered more equitable. Even though Islamic banks still have an expected bank rate of expectation, the standard benefits for the bank's business are to support the health of financial performance.]]>
<![CDATA[PENGARUH AUDIT INTERNAL TERHADAP MITIGASI RISIKO OPERASIONAL PERBANKAN SYARIAH ]]>
<![CDATA[Erika Amelia]]>;
<![CDATA[Muhammad Harfi Ramdan]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 01 (2019) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (570.068 KB)
|
DOI: 10.30868/ad.v3i01.500
<![CDATA[Internal audit as a supervisor in banking should have a very important role in operational risk, but in banks that already have internal audit institutions in it are still experiencing operational risk, so this study aims to analyze and determine the effect of internal audit on operational risk mitigation in Islamic banking and the main factors of internal audit that affect the operational risk of sharia banking. The variable that is the focus of this research is internal audit (X) as a free variable and banking operational risk (Y) as the dependent variable. Data obtained through questionnaires, this study uses a simple linear regression test to determine the effect of these two variables and test the coefficient of determination to determine the magnitude of the effect of variable (X) on (Y) and calculation of maximum values to determine the main factors of internal audit that affect operational risk banking. the results of data processing are done using Ms. Excel 2007 and the SPSS 17.0 application. The results in the study concluded that internal audits affect the operational risk of Islamic banking. The magnitude of the effect is 52.4% while the rest is influenced by other factors. The most influential main factor is periodic internal audit reporting to the Board of Commissioners regarding compliance with policies and procedures, internal audits evaluating risk management measures to ensure accuracy of risk exposures (vulnerable objects) and internal audits evaluating the reliability of information produced by computer system and accounting system.Keywords: audit, internal audit, banking risk, linear regression, determination coefficient]]>
<![CDATA[Dampak Zakat Terhadap Perubahan Tipologi Kemiskinan di Kota Palembang ]]>
<![CDATA[Dwi Septa Aryani]]>;
<![CDATA[Yuni Rachmawati]]>;
<![CDATA[Agung Anggoro Seto]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (732.594 KB)
|
DOI: 10.30868/ad.v3i2.522
<![CDATA[This research aims to find out if the charity had an impact on the change of the poverty of the typology recipient of zakat (Mustahik) in Palembang. The population in this research is all Mustahik in Palembang of 15.862 people. Sampling techniques using Accidental Sampling by the number of samples was determined as many as 200 respondents. The data type used is quantitative data. The primary data source, this research uses the Cibest Model, data analysis techniques using paired sample t-test. The results showed that the zakat to changes impacting the typology of poverty on Mustahik in the city of Palembang with Significance value 0.000. Where before accepting zakat, there are only two types of Mustahik poverty in the city of Palembang which is absolute poverty (poor material and spiritual) as much as 71.5%, and material poverty as much as 28.5%. However, after receiving zakat, Mustahik's type of poverty turned into material poverty as much as 54.5%, the absolute poverty of 24.0%, the spiritual poverty of 4.5% and there was 17% Mustahik who had been prosperous after receiving Zakat. This research also proves that zakat is effective to play a role in reducing the poverty of Mustahik in Palembang.]]>
<![CDATA[PENGEMBANGAN PENGUKURAN KINERJA DENGAN PENDEKATAN MASLAHAH SCORE CARD ]]>
<![CDATA[Syahruddin Kadir]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 01 (2019) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (1050.353 KB)
|
DOI: 10.30868/ad.v3i01.501
<![CDATA[The study was aimed at identifying the elements of maslahah and measuring the process and result performances by using maslahah scorecard in determining the performance of the PT Tirta Fresinda Jaya (TFJ) of Gowa. The methods employed in this study were qualitative methods with a study design through observation, interview, and documentation. The analyzed and interpreted through sthree stages, namely; data reduction, data presentation, data verification and drawing conclusion with qualitative descriptive analysis technique. The findings revealed that there were seven elements of maslahah existing in the TFJ. These included worship, internal process, labor, learning, assets, customers, obedience and the sustainability. These eight orientations found and behavior in this study had the maslahah foundation in realizing the strategic objectives to achieve the maslahah. The TFJ enough to implement the benefit process and be able to provide benefits to internal dan external even through it not full. The addition of obedience and the sustainability orientation in this research had an implication for the sustainability process of a company that combined internal and external elements to the organization. Through Maslahah scorecard approach applied to the TFJ of Gowa, it could be identified the existence of the maslahah values.Keywords: performance, maslahah scorecard.]]>
<![CDATA[SISTEM EKONOMI HUMANISTIK (SISTEM EKONOMI INDONESIA DAN SISTEM EKONOMI ISLAM) VERSUS PASAR BEBAS ]]>
<![CDATA[Abdul Wahid]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 01 (2019) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (868.804 KB)
|
DOI: 10.30868/ad.v3i01.497
<![CDATA[Consumption culture is a habit inherent in humans. The consumption of an economic system, in its implementation must be guided by ethics and human rights. In Islam the hereafter is not only related to where and how one gets his needs but also for what consumption he gets. The economic cycle in human life, with the consumption of ethical production and distribution also drove together. So that the economic system that happens, a far from a system of mutual eating, oppresses even dwarfs the weak. Sri-Edi Swasono wrote that control holders and market leaders in Indonesia today favor the market itself, no longer pro-people. The occurrence of market control by a handful of people and not pro-people may be even worse when the free market system is launched. Still according to Edy that the market must be controlled and controlled. As he stated, we should not fully surrender ourselves to the market mechanism that is inherently discriminatory, but on the contrary, it is the market, as an "economic" tool that must be friendly and serve the country]]>
<![CDATA[Pengaruh Saluran Distribusi Terhadap Volume Penjualan (Studi Kasus Pada PT. Sinar Sosro Cabang Rancaekek) ]]>
<![CDATA[Ajeng Setianingsih]]>;
<![CDATA[Ade Latifah]]>;
<![CDATA[Dini Safitri Ningrum]]>;
<![CDATA[Devi Pebriani]]>;
<![CDATA[Putri Ayu Ningtias]]>;
<![CDATA[Rizqo Mardi]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (118.272 KB)
|
DOI: 10.30868/ad.v3i2.504
<![CDATA[ABSTRACTThe study was conducted to determine the activities of distribution channels, especially to what extent the influence of distribution channels on the volume of product sales of PT. Sinar Sosro Branch Rancaekek. The background of this research is the volume of product sales of PT. Rancaekek Branch Sosro Sinar experienced fluctuations, so it needed an analysis of the influence of distribution channels on the volume of product sales of PT. Sinar Sosro Branch Rancaekek. This study uses descriptive qualitative method, data collection through field research is done through observation, documentation, and interviews while research into the library is through various literature that has to do with the problem under study. The results of the discussion can be seen that the distribution channel affects the volume of product sales of PT. Sinar Sosro Rancaekek Branch.ABSTRAKPenelitian dilakukan untuk mengetahui kegiatan saluran distribusi terutama sampai sejauh mana pengaruh saluran distribusi terhadap volume penjualan produk PT. Sinar Sosro Cabang Rancaekek. Latar belakang penelitian ini adalah volume penjualan produk PT. Sinar Sosro Cabang Rancaekek yang mengalami fluktuatif, sehingga diperlukan adanya analisis mengenai pengaruh saluran distribusi terhadap volume penjualan produk PT. Sinar Sosro Cabang Rancaekek. Penelitian ini menggunakan metode kualitatif descript, pengumpulan data melalui penelitian lapangan dilakukan melalui observasi, dokumentasi, dan wawancara sedangkan penelitian ke perpustakaan yaitu melalui berbagai literatur yang ada kaitannya dengan masalah yang diteliti. Hasil pembahasan dapat diketahui bahwa saluran distribusi berpengaruh terhadap volume penjualan produk PT. Sinar Sosro Cabang Ranacekek.]]>
<![CDATA[WORK CULTURE RECONSTRUCTION: AN ANALYSIS OF THE SHARIAH APPROACH ]]>
<![CDATA[Ahmad Maulidizen]]>
<![CDATA[ Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 01 (2019) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (605.55 KB)
|
DOI: 10.30868/ad.v3i01.435
<![CDATA[There are three economic systems that apply in this world, namely those originating from the product of human reason (science) and which come from revelation. From the first source a secular capitalist and socialist system was born, while the second one was born a sharia-based economy. In reality, the secular system is unable to provide equitable prosperity, and it is not uncommon to even cause human tempest. In this case what is considered capable of providing solutions is another revelation-based system. However, the sharia teachings originating from the revelation still need to be explored and cultivated so that the community will become more insightful, understanding, and finally able to apply. This research is library research. The data is extracted using the documentary method. The results showed that Qardhawi's thinking was purely based on revelation with muamalah, fiqh and moral approach. While Chapra tried to cover how conventional economic work practices and compare them with the Islamic system, while offering solutions, through scientific approaches and Islamic values. The relevance of both thoughts is to be able to provide Islamic values in the development of an economic spirituality]]>
