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Share: Jurnal Ekonomi dan Keuangan Islam Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia Email: jurnal.share@ar-raniry.ac.id
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Share: Jurnal Ekonomi dan Keuangan Islam
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : 20896239     EISSN : 25490648     DOI : https://doi.org/10.22373/share
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Share: Jurnal Ekonomi dan Keuangan Islam [SHARE] is a double-blind peer-reviewed journal published by the Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia. SHARE publishes research and concept papers pertaining to the field of Islamic economics and finance in open access format, which enables readers to freely access and download the articles under the CC BY SA license. Since 2017, SHARE has become a CrossRef Member, meaning that each article published by the journal will have a unique DOI number. SHARE has been indexed in many trusted indexing sites, such as DOAJ, Index Copernicus, Scilit, WorldCat, Google Scholar, Dimensions, EBSCO, and many others. In Indonesia, SHARE is listed among the top-notch journals by the Indonesian journal accreditation body officialized with the Decree of Director General of Research Strengthening and Advancement, Ministry of Research, Technology, and Higher Education, No. 21/E/KPT/2018, starting from 9 July 2018 until 9 July 2023. Currently, SHARE is under consideration for inclusion in SCOPUS.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 327 Documents
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ANALISIS EKONOMI ISLAM TERHADAP PRAKTIK AFTER SALES SERVICE PADA MESIN FOTOCOPY BEKAS PAKAI DI KOTA BANDA ACEH Akhyar Rinaldi; Azharsyah Ibrahim
Share: Jurnal Ekonomi dan Keuangan Islam Vol 2, No 2 (2013)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (891.785 KB) | DOI: 10.22373/share.v2i2.1499

Abstract

The objective of this article is to analyze the implementation of after sales service on used photocopy machine in Banda Aceh from an Islamic economic perspective. The analysis is conducted through the exploration of the mechanism of sale and purchase transactions and after-sales service system of the used photocopy machine. Data for this study was gathered through interviews and observations. Due to wide coverage area, the sample for this study was limited to eight units, which consist of four sellers and four buyers. The selection was determined by cluster sampling technique. The gathered data was then analyzed using descriptive analysis method. The findings showed that the implementation of the after sales service on the used photocopy machine in Banda Aceh was indicating to contain fraud such as gharar (uncertainty) element, price manipulation element, and the 'coercion' element causing the unhappiness so that it can harm customers which impact on the loss of the maslahah values in muamalah. In other words, the practice of after-sales service of used copier machines in Banda Aceh not fully comply with Islamic economic principles. =========================================== Penelitian ini secara umum bertujuan untuk menganalisis praktik after sales service (layanan purna jual) mesin fotocopy bekas pakai di Kota Banda Aceh dari perspektif ekonomi Islam. Analisis tersebut dilakukan melalui eksplorasi terhadap mekanisme transaksi jual beli dan sistem jasa layanan purna jual mesin fotocopy bekas pakai tersebut. Data untuk penelitian dikumpulkan melalui wawancara dan observasi. Karena wilayah populasi penelitian yang terlalu besar, maka penulis memilih delapan sampel penelitian, yakni empat sampel toko yang menjual mesin fotocopy bekas pakai, dan empat sampel toko yang menjadi konsumen mesin fotocopy bekas pakai. Pemilihan tersebut dilakukan dengan teknik cluster sampling. Data yang terkumpul kemudian dianalisis dengan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa layanan purna jual mesin fotocopy bekas pakai yang dipraktikkan selama ini terindikasi mengandung kecurangan seperti unsur gharar, unsur permainan harga dan unsur ‘pemaksaan’ yang menimbulkan ketidakrelaan sehingga dapat merugikan konsumen yang berdampak pada hilangnya nilai-nilai kemaslahatan dalam bermuamalah. Dengan kata lain, praktik after sales service mesin fotocopy bekas di Banda Aceh tidak begitu sejalan prinsip ekonomi Islam.
PROSPEK PENGEMBANGAN PERBANKAN SYARIAH NASIONAL PASCA UNDANG UNDANG PERBANKAN SYARIAH (ANALISIS DENGAN PENDEKATAN MODEL STATISTIKA CHOW TEST) Bismi Khalidin
Share: Jurnal Ekonomi dan Keuangan Islam Vol 1, No 1 (2012)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1173.206 KB) | DOI: 10.22373/share.v1i1.715

Abstract

This article aims to determine the influence of Undang-Undang Perbankan Syariah (UUPS) on the growth of the Islamic banking industry in Indonesia. The data was analyzed using econometric software, SHAZAM version 10.1. This study employs Ordinary Least Square (OLS), and Chow Test was utilized as a statistical instrument. The findings show that UUPS did not have a significant influence on the growth of Islamic banking in Indonesia. This was indicated by the fact that third party fund (DPK), the number of depositors, and the amount of financing were not growing significantly. In addition, the application of Profit-Loss Sharing (PLS), as the core principle in Islamic banking operation, also did not show any significant change. This was supported by the fact that murabahah product was still dominant within the financing portfolio of Islamic banking in Indonesia. ========================================================================================================Penelitian ini bertujuan untuk mengetahui sejauhmana pengaruh Undang-Undang Perbankan Syariah (UUPS) terhadap pertumbuhan industri perbankan syariah nasional. Metode analisis yang dipakai adalah Ordinary Least Square (OLS), dengan instrumen statistik Chow Test. Pengolahan data menggunakan program ekonometrika SHAZAM Versi 10.1. Hasil penelitian menunjukkan bahwa UUPS tidak mempunyai pengaruh yang signifikan terhadap pertumbuhan industri perbankan syariah secara umum. Dana Pihak Ketiga, Jumlah Nasabah dan Pembiayaan tidak mengalami perubahan sama sekali. Disamping itu, penerapan sistem bagi hasil Profit-Loss Sharing (PLS) yang merupakan prinsip utama operasional perbankan syariah, juga tidak mengalami perubahan yang signifikan. Ini ditunjukkan dengan pembiayaan produk murabahah masih mendominasi portofolio pembiayaan industri perbankan syariah nasional.
Measuring Islamic Stock Performance in Indonesia with A Modified Sharpe Ratio Mohammad Farhan Qudratullah
Share: Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2 (2021)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (206.891 KB) | DOI: 10.22373/share.v10i2.10493

Abstract

Since the late 1960s, one of the stock performance analysis tools commonly used is Sharpe Ratio. The Sharpe Ratio consists of three components, namely stock return, risk-free returns, and stock risk. Many studies approach risk-free returns with interest rates, including when measuring the performance of Islamic stocks, while interest rates are prohibited in the concept of Islamic finance. Moreover, the stock risk is measured by a standard deviation which assumes returns are normally distributed, while many stock returns are non-normally distributed. This paper intends to measure the performance of Islamic stocks listed on the Indonesian Stock Exchange (IDX) for the period of January 2011 to July 2018 using a modified Sharpe Ratio. The ratio is modified by replacing the interest rate with four approaches: eliminating the interest rate, changing with zakah rates, changing with inflation, changing with the nominal gross domestic product, and replacing the risk measurement from Standard Deviation to Value at Risk (VaR). The findings provide almost the same results as the original measurement and thus, show very high suitability for using these models in other circumstances. Therefore, on the concept of Islamic finance, risk-free returns can be measured using these four approaches, especially inflation and GDP. This study also recommends inflation and GDP to measure risk-free returns in the Sharia's Compliant Asset Pricing Model (SCAPM) or Islamic Capital Asset Pricing Model (ICAPM).====================================================================================================ABSTRAK – Pengukuran Kinerja Saham Syariah di Indonesia menggunakan Sharpe Ratio Modifikasi. Sejak akhir 1960-an, salah satu alat mengukur kinerja saham yang biasa digunakan adalah Sharpe Ratio. Model Sharpe Ratio terdiri atas tiga komponen, yaitu return saham, return bebas risiko, dan risiko saham. Return bebas risiko diukur mengunakan variabel suku bunga yang digolongkan riba dan dilarang dalam konsep keuangan islam. Sedangkan risiko saham diukur dengan standar deviasi yang mengasumsikan data berdistribusi normal. Paper ini bertujuan untuk mengukur kinerja saham syariah yang terdaftar pada Bursa Efek Indonesia (BEI) untuk periode Januari 2011 sampai Juli 2018 dengan menggunakan Sharpe Ratio modifikasi. Kajian akan memodifikasi model Sharpe Ratio dengan mencari variabel alternatif penganti suku bunga dengan empat pendekatan, yaitu: menghilangkan variabel suku bunga tersebut, mengganti dengan zakat rate, mengganti dengan inflasi, dan mengganti dengan produk domestik bruto, serta mengganti standar deviasi dengan Value at Risk (VaR) sebagai pengukur risiko saham yang selanjutnya diimplementasikan pada pasar modal syariah di Indonesia periode Januari 2011 - Juli 2018. Hasil kajian menunjukkan kesesuaian yang sangat tinggi untuk hasil pengukuran kelima model tersebut. Dilihat dari kedekatan hasil pengukuran kinerja, kelima model tersebut dapat dikelompokkan menjadi dua, yaitu model dengan tingkat suku bunga, inflasi, dan PDB sebagai kelompok pertama, sedangkan model tanpa suku bunga dan tingkat zakat sebagai kelompok kedua 
MEKANISME PERHITUNGAN KEUNTUNGAN DAN PENGARUHNYA TERHADAP BAGI HASIL (STUDI TERHADAP PEMBIAYAAN MUDHARABAH PADA BPRS HIKMAH WAKILAH BANDA ACEH) Wardiah Wardiah; Azharsyah Ibrahim
Share: Jurnal Ekonomi dan Keuangan Islam Vol 2, No 1 (2013)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (768.518 KB) | DOI: 10.22373/share.v2i1.1403

Abstract

This study aims to determine the process of calculating the profit of mudharabah financing at BPRS Hikmah Wakilah from an Islamic perspective and its influence on profit sharing. It also aims to explore the mechanism of adjusting the profit-sharing ratio, and the effect of calculating the profitability of mudharabah financing on profit sharing. The method of this research is descriptive analysis. The research data is collected through library research and field research. The results showed that the calculation of profit sharing PT. BPRS Hikmah Wakilah uses revenue sharing system in accordance with the National Sharia Board Fatwa No.15/DSN-MUI/IX/2000 About Principles of Distribution of Business Results in Sharia Financial Institutions. While in the calculation of profit, the BPRS refers to the percentage of total financing and average income earned by the customer and projected the same profit sharing during the financing period. Profit calculation significantly affects the percentage of profit sharing and the period of profit received by the bank. =========================================== Penelitian ini bertujuan untuk mengetahui proses perhitungan keuntungan pembiayaan mudharabah pada BPRS Hikmah Wakilah ditinjau menurut hukum Islam, mekanisme penyesuaian nisbah pembagian keuntungan, serta pengaruh perhitungan keuntungan pembiayaan mudharabah terhadap bagi hasil. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis. Pengumpulan data penelitian dilakukan melalui library research dan field research. Teknik pengumpulan data melalui wawancara dan studi dokumentasi. Hasil penelitian menunjukkan bahwa perhitungan bagi hasil, PT. BPRS Hikmah Wakilah menggunakan sistem revenue sharing sesuai dengan Fatwa Dewan Syariah Nasional No.15/DSN-MUI/IX/2000 Tentang Prinsip Distribusi Hasil Usaha Dalam Lembaga Keuangan Syariah. Sementara dalam melakukan perhitungan keuntungan, BPRS merujuk pada persentase jumlah pembiayaan dan pendapatan rata-rata yang diperoleh nasabah serta memproyeksi bagi hasil yang sama selama jangka waktu pembiayaan. Perhitungan keuntungan berpengaruh signifikan terhadap persentase bagi hasil dan jangka waktu penerimaan keuntungan yang akan diterima pihak bank. Kata Kunci: Pembiayaan Mudharabah, Kentungan, Bagi Hasil
PENGARUH STABILITAS UANG KERTAS TERHADAP INFLASI DITINJAU MENURUT FIQH MUAMALAH Rohaya Rohaya; Nazaruddin A Wahid
Share: Jurnal Ekonomi dan Keuangan Islam Vol 3, No 1 (2014)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (833.876 KB) | DOI: 10.22373/share.v3i1.1055

Abstract

Nowadays, paper money is no longer backed by gold and silver and thus has become a fiat money, whereas standard money in Islamic economics is gold and silver. Consequently, this influences its purchasing power which then causes the increasing of a price of goods. This paper aims to examine the stability of paper money and its influence on inflation from an Islamic economics perspective. Data for this study was collected through library research. The data is then analyzed using descriptive analysis method which is a conceptual study that provides an overview of the influence of paper money toward inflation extensively. The research concludes that paper money does not have a stable value. When an excess amount of money is circulating within the community, the prices of goods is also increasing. The increasing quantity of money causes the increasing of people’s purchasing power while at the same time a number of goods are stable. This condition triggers instability in the economy that creates inflation. In Islamic economy, money is not limited only to the dinar and dirham, but also covering the whole of its kind as long as it can reflect its functions. From its nominal, paper money is included as a valuable asset, but not from its intrinsic value. Moreover, Islam allows the use of paper money as long as the money is able to reflect its function in the economy and able to act as a fair medium of exchange to create equilibrium in every aspect of life. =========================================== Penggunaan uang kertas saat ini tidak lagi dibacking oleh emas dan perak, padahal standard uang dalam ekonomi Islam adalah emas dan perak, hal ini menyebabkan tidak stabilnya nilai mata uang kertas sehingga berpengaruh terhadap daya beli uang tersebut yang akhirnya juga berpengaruh terhadap kenaikan harga barang. Tulisan ini bertujuan untuk mengkaji pengaruh stabilitas uang kertas terhadap inflasi dari perspektif fiqh muamalah. Data untuk penelitian dikumpulkan melalui library research, yaitu pengumpulan data melalui bahan-bahan bacaan yang berhubungan dengan karya ilmiah ini. Data yang terkumpul kemudian dianalisis dengan metode deskriptif analisis, yaitu suatu kajian konseptual yang memberikan gambaran tentang pengaruh uang kertas terhadap inflasi secara luas dan detil. Hasil penelitian menyimpulkan bahwa uang kertas tidak memiliki nilai yang stabil sehingga jika terjadi kelebihan jumlah uang beredar di masyarakat maka akan mengakibatkan kenaikan harga, karena ketika kuantitas uang yang beredar di masyarakat mengalami kenaikan maka daya beli masyarakat terhadap barang juga naik, sementara jumlah barang yang tersedia tetap, maka barang-barang tersebut akan mengalami kenaikan harga yang disebut dengan inflasi. Dalam ekonomi Islam, uang tidak terbatas pada dinar dan dirham saja tetapi mencakup seluruh jenisnya asalkan uang tersebut dapat merefleksikan fungsinya.Uang kertas jika dilihat dari nominalnya merupakan harta yang bernilai akan tetapi jika dilihat dari nilai intrinsiknya maka uang kertas tidak termasuk harta karena tidak mempunyai nilai. Islam memperbolehkan penggunaan uang kertas asalkan uang kertas tersebut bisa merefleksikan fungsinya dalam bidang perekonomian, dapat bertindak sebagai alat tukar yang adil demi terwujudnya keadilan dalam setiap sendi kehidupan.
COMPLIANCE BEHAVIOR MODEL OF PAYING ZAKAT ON INCOME THROUGH ZAKAT MANAGEMENT ORGANIZATIONS Farikha Amilahaq; Nunung Ghoniyah
Share: Jurnal Ekonomi dan Keuangan Islam Vol 8, No 1 (2019)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v8i1.3655

Abstract

This research intended to determine the factors encouraging muzakki to pay their zakat on income through Zakat Management Organizations (ZMO). The responses of 251 respondents dominated by Semarang city residents were analyzed. The result showed that attitudes of muzakki, subjective norms, religiosity, and intention had a significant impact on zakat compliance behavior in contrast with the perceived behavioral control variable. On the other hand, those four independent variables affected significantly on intention. It can be concluded that intention can be used as intervening, especially for the perceived behavioral control which has a perfect indirect correlation to behavior. The contribution of those independent variables toward zakat compliance behavior was 64.8% (R-square was 0.648), while the rest was influenced by other variables that were not analyzed in this research. ZMO has improved its services by simplifying the method of zakat payment. Nevertheless, they still need to give the added value through the good of amil governance and provide the different value from the professional and integrated distribution of zakat funds. Still, the education and socialization towards muzakki are necessary. This research also shows there can be an intervention of the muzakkis’ institutions/workplace which can be analyzed further.==============================================================================================Model Perilaku Kepatuhan Membayar Zakat atas Penghasilan melalui Organisasi Pengelola Zakat. Penelitian ini bertujuan untuk menentukan faktor-faktor yang mendorong muzakki untuk membayar zakat atas penghasilan mereka melalui Organisasi Pengelola Zakat (OPZ). Tanggapan dari 251 responden yang didominasi oleh warga kota Semarang – Jawa Tengah, telah dianalisis. Hasil menunjukkan bahwa sikap muzakki, norma subjektif, religiusitas, dan niat memiliki pengaruh yang signifikan terhadap perilaku kepatuhan membayar zakat, tetapi kontrol perilaku yang diterima tidak berpengaruh terhadap perilaku. Di sisi lain, keempat variabel independen tersebut memiliki pengaruh yang signifikan terhadap niat. Maka dapat disimpulkan bahwa niat dapat digunakan sebagai mediator, khususnya oleh faktor kontrol perilaku yang diterima/dirasakan, yang mana memiliki pengaruh tidak langsung sempurna terhadap perilaku. Kontribusi variabel-variabel independen terhadap perilaku kepatuhan membayar zakat atas penghasilan adalah 64,8% (R-square sebesar 0,648), sedangkan sisanya dipengaruhi oleh variabel lain yang tidak dianalisis dalam penelitian ini. OPZ telah meningkatkan layanannya dengan menyederhanakan metode pembayaran zakat. Namun demikian, mereka masih perlu memberikan nilai tambah mereka melalui penerapan good amil governance yang baik, serta memberikan nilai beda dengan metode pendistribusian dana zakat yang profesional dan terintregasi. Meski begitu, edukasi dan sosialisasi kepada muzakki tetap diperlukan. Penelitian ini juga menunjukkan bahwa mungkin ada intervensi dari institusi atau tempat kerja muzakki sebagai unsur yang dapat dianalisis lebih lanjut.
WOMEN WORKERS AND THEIR ECONOMIC ROLES DURING COVID-19 OUTBREAK FROM AN ISLAMIC PERSPECTIVE: A CASE OF BENTOR DRIVERS IN GORONTALO, INDONESIA Luqmanul Hakiem Ajuna; Muhammad Amri
Share: Jurnal Ekonomi dan Keuangan Islam Vol 10, No 1 (2021)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (795.076 KB) | DOI: 10.22373/share.v10i1.7582

Abstract

The objective of this research is to examine and reveal the impact of the adoption of Large-Scale Social Restrictions (Pembatasan Sosial Berskala Besar - PSBB) in Gorontalo province on the roles of women working as drivers of pedicab motorcycle (Becak Motor – Bentor) in addition to being a housewife. This study is qualitative research that gathered data through interviews with the drivers and related parties. Data were analyzed using a phenomenological approach with a thematic study of the Qur'an and Hadith. The results revealed that the family's economic needs became the main reason for women choosing to be Bentor drivers. The implementation of working hours and quantity controls, as well as the prevalence of staying at home, had decreased their income; however, their household duties were still performed, despite the worst economic conditions. Another fact is that the implementation of PSBB has succeeded in decreasing the introductory reproduction rate (R0) of the transmission of Covid-19. In addition, the Qur'an and Hadith allow women who want to work outside their houses but still follow religious instructions always to protect themselves and their dignity and not to ignore their household duties.==================================================================================================ABSTRAK – Pekerja Perempuan dan Peran Ekonomi Mereka pada Masa Covid-19 Ditinjau dari Perspektif Islam: Kajian pada Supir Bentor di Gorontalo, Indonesia. Penelitian ini bertujuan menganalisa dampak penerapan Pembatasan Sosisal Berskala Besar (PSBB) di Provinsi Gorontalo terhadap peran ganda perempuan berprofesi sebagai supir bentor selain sebagai ibu rumah tangga. Kajian ini merupakan penelitian kualitatif yang mengumpulkan data dari wawancara para supir bentor tersebut dan pihak-pihak terkait lainnya. Data dianalisis dengan pendekatan fenomenologi ditambah dengan kajian Tematik Alqur’an dan Hadis dalam menyusun bahasannya. Hasil penelitian menunjukkan bahwa alasan utama perempuan memilih berperan ganda adalah tuntutan ekonomi keluarga. Pemberlakuan aturan jam dan volume operasi serta adanya himbauan stay at home telah menurunkan pendapatan mereka, sementara tugas rumah tangganya berjalan normal meski kondisi ekonomi berada diposisi terburuk. Fakta lain adalah penerapan PSBB berhasil menurunkan tren angka reproduksi dasar (R0) penularan Covid-19. Sementara Alqur’an dan Hadis tidak melarang perempuan yang hendak bekerja di luar rumah namun dengan tetap mengikuti petunjuk agama untuk senantiasa menjaga diri dan kehormatan serta tidak menyia-nyiakan urusan rumah tangganya.
RETRACTED: A CRITICAL ANALYSIS OF ISLAMIC ECONOMIC OPPORTUNITIES AND CHALLENGES IN GLOBALIZATIONAL ERA Ahmad Maulidizen; Mohammad Taqiuddin Mohammad
Share: Jurnal Ekonomi dan Keuangan Islam Vol 7, No 2 (2018)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This manuscript HAS BEEN RETRACTED on request of the author due to development of a reported case (plagiarism). Therefore, a reasonable effort should be made to remove all references that links to this article.
PERLINDUNGAN "HAK SPIRITUAL" DALAM PENYELESAIAN SENGKETA PERBANKAN SYARIAH: PRAKTIK DI MALAYSIA DAN INDONESIA Rof'ah Setyowati
Share: Jurnal Ekonomi dan Keuangan Islam Vol 5, No 2 (2016)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (959.441 KB) | DOI: 10.22373/share.v5i2.1235

Abstract

"Spiritual right" is the right in the spiritual aspect that is owned by any person. The Spirituality of Muslim customers is influenced by sharia principles in various aspects of their lives. The protection against "spiritual right" is also required in the settlement of disputes between customers and Islamic banking institution. Indonesian regulation has provided the foundation for the protection of the spiritual rights. The issuing of the MK (Constitutional Court)'s verdict Number 93/PUU-X/2012, can also lead to that purpose. However, there is still a "spiritual right" post the verdict. This study utilizes two types of joint research method called socio-legal research. It employs several approaches, namely philosophical, historical, critical, analytical, comparative, and so on. However, the most prominently used is the comparative approach as it is associated with the purpose of this study in digging Malaysian experiences with its longer period of having various legal problems. It is hoped that these experiences can be referred to as a pattern for more effective "spiritual right". The analysis shows that the effectiveness of the "spiritual right" protection in settling the dispute of Islamic banking institutions is dominantly influenced by the policy of financial services authority, which in Malaysia is Bank Negara Malaysia (BNM) and Otoritas Jasa Keuangan (OJK) in Indonesia. ========================================================================================================"Hak spiritual" merupakan hak dalam aspek spiritual yang dimiliki oleh setiap orang. Spiritulitas konsumen Muslim dipengaruhi oleh prinsip-prinsip syariah dalam berbagai aspek kehidupannya. Perlindungan terhadap "hak spiritual" juga dibutuhkan dalam penyelesaian sengketa antara nasabah dengan institusi perbankan syariah. Melalui peraturan perundangan, telah diberikan landasan bagi perlindungan "hak spiritual". Munculnya Putusan MK Nomor 93/PUU-X/2012, hakekatnya juga mengarah pada maksud tersebut. Namun permasalahannya, pasca putusan MK tersebut, masih terdapat "hak spiritual". Kajian ini menggunakan dua jenis penelitian gabungan, yang disebut dengan socio-legal research. Beberapa metode pendekatan dilakukan, antara lain: filosofis, historis, analitis kritis, dan komparatif. Namun yang paling menonjol digunakan ialah metode komparatif. Penggunaan metode ini dikaitkan dengan tujuan kajian ini untuk mengambil pengalaman dari Malaysia yang lebih lama dengan berbagai problematika hukum yang ada, untuk manjadi acuan guna mendapatkan pola perlindungan "hak spiritual" yang lebih efektif. Hasil analisis ini menujukkan bahwa efektifitas perlindungan "hak spiritual" dalam penyelesaian sengketa perbankan syariah sangat dipengaruhi oleh kebijakan lembaga pemegang otoritas pembinaan, pengawasan dan pengaturan perbankan syariah. Dalam konteks ini, di Malaysia ialah BNM, sementara di Indonesia ialah OJK.
RETRACTED: DEFINING AND FRAMING ISLAMIC ECONOMICS AS ISLAMIC MORAL ECONOMY: AN ATTEMPT TO EMBED PUBLIC POLICY IN ISLAMIC ECONOMICS TO GENERATE EMERGENCE SCIENCE Mehmet Asutay
Share: Jurnal Ekonomi dan Keuangan Islam Vol 5, No 2 (2016)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v5i2.1241

Abstract

This manuscript HAS BEEN RETRACTED on the request of the author. Therefore, a reasonable effort should be made to remove all references that links to this article.

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