cover
Contact Name
Moh. Asra
Contact Email
istidlaljehi@gmail.com
Phone
+6282244995150
Journal Mail Official
istidlaljehi@gmail.com
Editorial Address
Jl. Ma'had Aly No. 6 Sukorejo Banyuputih Situbondo Jawa Timur 68374
Location
Kab. situbondo,
Jawa timur
INDONESIA
Istidlal: Jurnal Ekonomi dan Hukum Islam
Published by Universitas Ibrahimy
ISSN : 2548754X     EISSN : 25487957     DOI : https://doi.org/10.35316/istidlal
Aim and Scope AIM Istidlal: Jurnal Ekonomi dan Hukum Islam is a peer-reviewed journal providing for educators, lawyer, scholars, and policy makers to address the current topics in the field of ecomonic and Islamic law from many perspective. Istidlal publishes original academic articles that deal with issues of relevance in theory of economy, Islamic law, methodology of Islamic law, budgeting in Islamic society, and practice in Sharia economy. Articles should focus on studies and systematic analysis that employ qualitative, quantitative, plural (mixed-methods), research and development (RnD). SCOPE The scop of Istidlal is wide range of disciplines that provide relevant research for current issues in ecomonic and Islamic law: Islamic business, accounting, banking management, and more. Istidlal welcomes papers in Indonesia, English, and Arabic.
Articles 156 Documents
Penerapan Manajemen Risiko Pembiayaan di BMT Maslahah, Cabang Pembantu Olean Situbondo Subaidi Subaidi; Ikmalul Ihsan
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (173.698 KB) | DOI: 10.35316/istidlal.v3i2.154

Abstract

BMT Maslahah Sub-Branch Olean in Situbondo still faces several problems and risks in providing financing to customers, because the customer intentionally does not return the financing he has obtained, even though he was able to repay the loan. This study focuses on how the applications of risk management in the financing, the causes and the solutions in BMT Maslahah Sub-Branch Olean of Situbondo. This study uses a qualitative approach with a case study strategy. Data collection is done by connecting questions with data obtained from conclusions from the interview of several persons in BMT Maslahah Sub-Branch Olean in Situbondo. The results of the study indicate that the risk of loss is the high number of problematic financing, starting from the difficulties and even payment defaults from customers caused by the loss of the ability of customers to pay installments and profit sharing to them. The effort carried out by them in saving the problematic financing is by rescheduling, reconditioning, and restructuring. They also cooperate with insurance companies to cover the losses.
Studi Komparatif Asuransi Shari’ah dan Konvensional Moh. Asra; Rizqiyah Rizqiyah
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (220.078 KB) | DOI: 10.35316/istidlal.v3i2.155

Abstract

Insurance is an institution engaged in services and helping people. In Arabic, insurance is called "Al-ta’mȋn", means to provide protection. According to the National Sharia Board-Indonesian Ulama Council (DSN-MUI), shari'ah insurance is an effort to protect one another and to help one another among people or groups through investments in the form of assets or tabarru’ funds (endowment), and repayment. The essential of the Islamic insurance implementation is cooperation (ta'âwun). To maintain consistency in the implementation of sharia in the financial sector and the enhancement of the nation’s prosperity, tabarru’ funds (endowment) are considered to be the same as grants (donation) so that the funds donated cannot be canceled. There are fundamental differences between conventional insurance and shari’ah insurance because shari’ah insurance uses the principle of risk-sharing so that sharia insurance companies called the operators wouldn’t call the guarantors. Customers in sharia insurance companies called participants wouldn’t call guaranteed. Besides other differences are the contract, premium elements, ownership of fund, investment of fund, payment of claims, profit sharing, there is Sharia Supervisory Board, vision and mission, accounting methods, there is no charred fund, and there is no charge (loading).
Hukum Islam, HAM dan Maqashidu Asy-Syari’ah: Upaya Menyatukan Jasad dan Ruh Nahe’i Nahe’i
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (252.058 KB) | DOI: 10.35316/istidlal.v3i2.156

Abstract

One debate that will not be finished is a debate about the relationship between human rights and Islam. Even though the Cairo Declaration was established which declared human rights in Islam and also declared the efforts to transform human rights into the National Law. It does not end, especially among "conservative Muslims". There are several questions regarding that debate, they are, are human rights contradict to Islam because it is the product and agenda of the West? Or is it support to Islam? Or is it precisely the substance of Islam itself? These questions have arisen along with the strengthening of populism, identity politics, and politicization of religion (ad-din al-musayyas). This paper tries to look at human rights within the framework of maqhashidus syari'ah, because the compatibility of human rights and Islam can be seen only by this approach. Maqhashidus syari’ah here is a concept that developed over time in line with changes in human civilization. This paper assumes that there are some points where human rights and Islam can be connected, but there are also some points difficult to be connected.
Pandangan Hukum Islam Terhadap Implementasi Akad Mudharabah dengan Jasa di Bank Muamalat Hali Makki
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (257.476 KB) | DOI: 10.35316/istidlal.v3i2.157

Abstract

According to the study of Islamic law, Bank Muamalat’s services are unlawful because those services require interest and provide an offer for profit sharing. Therefore those services are unlawful because those only make promises. According to some scholars, those like usury. Bank Muamalat should have the legal variables that are binding on the banking laws under Bank Indonesia’s regulations. Islamic law also becomes the main reference in akad mudharabah, so that akad mudharabah does not come out from fiqh scholars thought or does not come out from fiqh studies.
Tinjauan Hukum Islam tentang Upaya Wanita Karir dalam Mewujudkan Keluarga Sakinah: Studi Kasus Dosen Wanita Akademi Kebidanan Ibrahimy Sukorejo Situbondo Mawardi Mawardi
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (250.058 KB) | DOI: 10.35316/istidlal.v3i2.158

Abstract

People are the noblest creatures of Allah, who have gharizah al-fitriyyah (aptitude) and have love with others and the opposite sex in their household life. When a woman has a career, she has a double responsibility as a wife. From that phenomenon, there are several problems in this research. They are how is the understanding of the female lecturers at Akbid Ibrahimy about sakinah family? How are their efforts to create a sakinah family? And how are career women’s efforts in realizing a sakinah family from Islamic law perspective? This research uses a descriptive qualitative approach, which describes some data obtained from the field by interview, observation, and documentation. Then followed by the editing, classifying, and analyzing process. Female lecturers’ efforts in realizing a sakinah family from the Islamic law perspective is they are permissible to initiate a career according to her expertise and motivation but must prioritize the family. She must be able to provide good control and service to her husband and children so that her responsibilities in the household and in the work are equally balanced.
Efektivitas Pengelolaan Zakat Melalui Dana Alokasi Khusus dalam APBN A. Muhyiddin Khotib
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (179.187 KB) | DOI: 10.35316/istidlal.v3i2.159

Abstract

Many thinkers and Muslim scholars who continuously strive to make zakat as the main alternative in overcoming social inequality in the economic field. This effort starts from the reformulation of thought to its application stage. Prof. Dr. Yusuf al-Qardhawi (born 1926) who has gassed the concept of zakat through his two books Fiqh al-Zakat and Musykilatu al-Faqri wa kaifa ‘alajaha al-Islam. His two works are concrete proof that zakat has a strategic position in overcoming poverty. In my opinion, one of the problems which has not completed at the concept level is that the position of zakat is equated with prayer, fasting, and pilgrimage as fiqh of worship. This results in positioning zakat on privacy matters so that the state feels limited in intervening in the management of zakat because it feels uneasy and there is fear of criticism of people who do not want the state to take care of one's privacy when practicing their worship. The reasons that motivated the writer to study zakat in a dissertation entitled "Reconstruction of Zakat on Prayer to Mu'amalah in the perspective of Maqashid al-Shari'ah. The conclusion is that zakat is mu'amalah jurisprudence which has the dimension of worship and it doesn’t have a social dimension.
Pengelolaan Harta Wakaf: Studi Komparasi Nahdlatul Ulama dan Muhammadiyah Kabupaten Banyuwangi Ansari Ansari
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (273.17 KB) | DOI: 10.35316/istidlal.v3i2.160

Abstract

Waqf specifically can help activities in society. However, the management of waqf of Nahdlatul Ulama and Muhammadiyah in Banyuwangi Regency is not professional because Nadzir's human resources are low. This research is a descriptive qualitative using a sociological empirical approach. The results of this research show that first, the waqf management of Nahdlatul Ulama and Muhammadiyah has categorized into Mahdhah worship (main worship), which is most of the waqf material is intended for physical development. Second, the problems of waqf management are the control system weakness and the lack of understanding and awareness of the society towards waqf. Third, efforts in waqf management must be carried out by an integrated and well-planned arrangement. Those include human resource development of Nadzhir, implementation of control and supervision system so that waqf can be managed optimally and beneficial for social interests.
Pembatalan Tiket Jasa Transportasi Kereta Api dan Perubahan Jadwal Penumpang Perspektif Hukum Ekonomi Syari’ah Fawaid Fawaid
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 4 No 1 (2020)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (250.326 KB) | DOI: 10.35316/istidlal.v4i1.204

Abstract

In conducting research, the authors use Islamic economic law research methods that adopt qualitative research methods including both primary data sources and secondary data, data collection techniques namely observation, interviews, documentation, data analysis techniques namely editing and organizing, checking the validity of data, and stages research stage. All this researchers use to find research results. The findings in this study are as follows: 1. In running a business as a transportation service provider, PT Kereta Api does not only focus on sales but also serves to cancel and change the schedules. 2. There are two kinds of cancellations, namely canceled buyers and canceled officers. 3. Cancellations and schedule changes are both manual and online. 4. Cancellation and schedule changes can be made as long as not exceeding the specified time limit. 5. In canceling and changing passengers' schedules, an administration fee of 25% of the ticket price is subject to administration.
Penerapan Manajemen Ekonomi Islam Pada Produksi Batik Labako UD. Bintang Timur Jember Achmad Achmad; Amir Amir; Azzahrah Azzahrah
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 4 No 1 (2020)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (182.442 KB) | DOI: 10.35316/istidlal.v4i1.205

Abstract

Dalam ekonomi Islam, kegiatan produksi tidak hanya dipandang sebagai aktifitas ekonomi untuk memenuhi hajat hidup manusia. Produksi juga merupakan bagian dari ibadah. Sehingga aktifitas produksi harus dilakukan sesuai dengan prinsip-prinsip dan nilai-nilai ekonomi Islam yang selaras dengan maqasid syari’ah. Dari hasil penelitian, diperoleh kesimpulan bahwa faktor-faktor produksi yang digunakan UD. Bintang Timur dalam proses produksi batik tidak bertentangan dengan prinsip-prinsip ekonomi Islam, yaitu: (a) bahan baku yang digunakan memiliki kualitas yang baik dan tidak termasuk material yang membahayakan pada jiwa manusia; (b) sistem rekrutmen tenaga kerja didasarkan pada keinginan pemilik untuk meningkatkan kesejahteraan masyarakat di sekitar lokasi industri; (c) modal usaha bersumber dari kekayaan pemilik; dan (d) alat-alat pembatikan yang digunakan berasal dari bahan (alam) yang tidak dilarang oleh syariah Islam. Dalam hal manajerial, operasional UD. Bintang Timur telah menjalankan nilai-nilai syariah Islam. Pemilik selalu berusaha menjaga kepercayaan konsumen melalui penyediaan produk berkualitas dan seimbang dengan harga yang dibayar konsumen; menempatkan tenaga kerja sesuai potensi, bakat, dan kemampuannya masing-masing; membimbing dan mengawasi langsung setiap tahapan produksi; mengontrol setiap produk yang akan dipasarkan; melakukan transaksi dengan jujur, terbuka, dan memenuhi janji sesuai kontrak; serta memberi upah yang adil dan tepat waktu sesuai prestasi kerja karyawan.
Analisis terhadap Pemikiran Ekonomi Kapitalisme Adam Smith Zainol Hasan; Mahyudi Mahyudi
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 4 No 1 (2020)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (170.569 KB) | DOI: 10.35316/istidlal.v4i1.206

Abstract

Kapitalisme merupakan orde pergaulan hidup yang hadir dari sistem produksi, memisahkan pegawai rendahan dan alat-alat produksi. Dengan demikian, kapitalisme lebih mengemuka dari cara-cara produksi dan menjadi penyebab nilai lebih, karena tidak jatuh ke tangan kaum buruh, melainkan jatuh ke tangan kaum majikan. Karena itu pula, kapitalisme menyebabkan akumulasi kapital, konsentrasi kapital dan sentralisasi kapital. Tidak terbantahkan bahwa kapitalisme merupakan sebuah sistem ekonomi yang berorientasi pada pemenuhan kebutuhan ekonomi secara individual. Kendati demikian, orientasi individu merupakan tahap awal bagi kepentingan publik atau sosial. Dengan kata lain, sebuah sistem pemaksimalan keuntungan individu melalui kegiatan ekonomi yang dimaksudkan membantu kepentingan publik. Adam Smith sebagai bapak kapitalisme menyatakan bahwa teori dasar kapitalisme adalah dengan mengetahui ciri dasar sistem tersebut.