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Ikhtiyar Jurnal Ekonomi Syari'ah
Published by Sekolah Tinggi Islam Kendal
ISSN : -     EISSN : 29865921     DOI : https://doi.org/10.69776
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
https://jurnal.stik-kendal.ac.id/index.php/ikhtiyar/about Jurnal Ikhtiyar adalah jurnal yang mempublikasikan karya ilmiah dengan rumpun ekonomi syariah Jurnal ini menjadikan ajang media publikasi yang inklusif, bukan hanya dari kalangan civitas akademik Prodi Ekonomi Syariah STIK Kendal, tetapi diperuntukkan bagi semua lapisan akademisi dan praktisi yang akan mempublikasikan karya ilmiah atau hasil risetnya.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 33 Documents
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Edisi 1 Vol 2 September 2023 MEMBANGUN UMAT DENGAN ZAKAT: MEKANISME ZAKAT PADA PASAR UANG DAN MODAL SYARIAH Nur Moh Annurroin
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 2 (2023): MEMBANGUN UMAT DENGAN ZAKAT
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i2.17

Abstract

ABSTRACT Islam teaches us to share with others, to help each other, one of which is by diligently giving alms and paying zakat with the aim of purifying our wealth. In today's modern economic development there are many companies or investors investing in the capital market and money market, many of whom wish to pay zakat. The writing methodology uses descriptive analysis and the social relations theory approach proposed by Ostrander and Schervisb. The data used in this study comes from data released from related parties such as BAZNAS, the Islamic capital market/Indonesian stock exchange and also PT. HP Sekuritas as the implementer of zakat investment either stocks or bonds or others. The results of this study state that in the implementation of zakat in the Islamic Money Market and Capital Market there are investors, then securities or agents who act on behalf of investors using wakalah bil ujrah contracts. Next is the National Amil Zakat Agency (BAZNAS). The mechanism for determining zakat as a result of investment gains must pay zakat if it reaches the nisab. The nisab for zakat is the same as the nisab for zakat maal, which is 85 grams of gold at a zakat rate of 2.5% and has reached one year (haul). Currently investors can pay zakat to BAZNAS in the form of shares to BAZNAS's investor fund account. ABSTRAK Islam mengajarkan untuk berbagi dengan sesama, saling tolong menolong salahsatunya adalah dengan cara kita rajin sedekah dan menunaikan zakat dengan tujuan mensucikan harta kita . Dalam perkembangan ekonomi modern saat ini banyak sekali perusahaan atau investor yang melakukan investasi di pasar modal dan pasar uang, diantara mereka banyak pula yang berkeinginan mengeluarkan zakat. Metodologi penulisan menggunakan analisis deskriptif dan pendekatan teori relasi sosial yang dikemukakan oleh Ostrander dan Schervisb. Data yang digunakan dalam penelitian ini bersumber dari data yang dirilis dari pihak-pihak yang bersangkutan seperti BAZNAS, Pasar modal syariah/bursa efek indonesia dan juga PT. HP Sekuritas sebagai peaksana implementasi zakat investasi baik saham atau obligasi atau lainnya. Hasil dari penelitian ini menyatakan bahwa Dalam implementasi zakat di Pasar Uang dan Pasar Modal Syariah terdapat pihak investor, Kemudian pihak sekuritas atau agen yang bentindak atas nama investor dengan menggunakan akad wakalah bil ujrah. Selanjutnya Badan Amil Zakat Nasional (BAZNAS). Mekanisme dalam menentukan zakat hasil dari keuntungan investasi wajib dikeluarkan zakatnya jika sudah mencapai nisab. Nisab zakat sama nilainya dengan nisab zakat maal yaitu senilai 85 gram emas dengan tarif zakat 2,5% dan sudah mencapai satu tahun (haul). Saat ini investor dapat menunaikan zakat ke BAZNAS dalam bentuk saham ke rekening dana investor milik BAZNAS.
Vol 1 Maret 2023 MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH: INVESTASI SYARIAH DALAM MENDORONG PERTUMBUHAN EKONOMI PADA SEKTOR NON RILL Rifatul Muna
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 1 (2023): MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i1.25

Abstract

Investment in general is to invest or place assets, both in the form of assets and funds, in something that is expected to provide income or will increase its value in the future. investing is investing or placing assets, either in the form of assets or funds, in something that is expected to generate income or increase its value in the future. The formulation of the problem of this research is what is the role of sharia investment in driving economic growth in the non-real sector. The aim of this research is to find out the potential of Islamic investment in encouraging economic growth in the non-real sector. This study uses qualitative research with descriptive research types, then for the subject in this study is Islamic investment, in collecting data using methods, observation, and documentation. The results of this study indicate that the development of Islamic investment has increased the demand for Islamic investment. the large number of requests from foreign trade has had the effect of strengthening the rupiah exchange rate against the US dollar, by strengthening the value of coal, gold, silver and other new mines.
Vol 1 Maret 2023 MEMPERKUAT LITERASI KEUANGAN DAN INVESTASI SYARI'AH: UNSUR NAJSYI DALAM AFILIASI BINARY OPTION Misbahun nidhom
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 1 (2023): MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i1.27

Abstract

The capital market plays an important role for the progress of the Indonesian economy. In addition, the capital market can also be an alternative investment for investors. The capital market in a narrow sense is a stock exchange or a place to trade securities for investors. This means that the capital market is a place where parties who need capital or funds meet with those who have excess funds. While the capital market in a broad sense is a means used by people who need long-term capital. Parties who need capital are the private sector or the government and the public, also known as investors.
Vol 1 Maret 2023 MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH: OPTIMALISASI PERAN LEMBAGA KEUANGAN SYARIAH DALAM MEMBANGUN EKONOMI UMAT nur muh annuroin
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 1 (2023): MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i1.28

Abstract

This study will discuss the description of steps that Islamic financial institutions should take to optimize their role in building the people's economy, especially in Indonesia by paying attention to whether the contract applied is in accordance with sharia rules or just hiding behind a sharia label but the practice is not in accordance with sharia rules, such as implement an interest system which in sharia interest is included in the category of usury which is haraam. This research was conducted using qualitative research methods with descriptive analysis results, Data collection was carried out by means of natural setting, primary data sources, while the data collection technique is done by participant observation, questionnaires, triangulation and in-depth interviews. Further results show that Islamic financial institutions should straighten out their roles as investment managers and as intermediary institutions between capital owners, Islamic financial institutions should minimize the bank-minded paradigm, and Islamic financial institutions should optimize mudharabah and musyarakah funding as the core business.
Vol 1 Maret 2023 MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH: PEMBERDAYAAN UMKM MELALUI BANK WAKAF MIKRO Masruri Masruri
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 1 (2023): MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i1.29

Abstract

The synergy of the Micro Waqf Bank Program with Qardhul Hasan is a debt that can be given either in the form of money or in the form of borrowed goods, such as cars, laptops, motorbikes or others, with the condition that the loan recipient must return the goods to the owner in their original condition without any part. taken or without any addition to the item. The end and main goal of the Micro Waqf Bank Program with the al Qordhul Hasan contract is the prosperity of the community as a result of the chain effect arising from the procurement of infaq and shadaqah funds for muzakki, based on the nature and high sense of concern for others.Thus, the Qardhul Hasan contract in the Micro Waqf Bank Program is carried out on the basis of social, humanitarian and mutual welfare by helping to provide capital for businesses. The implementation of the Qardhul hasan contract in Islamic financial institutions can be an option for someone who needs loan funds. If the recipient of the debt wants to give charity, it is not determined by the debtor, but on the consciousness of oneself.
Vol 1 Maret 2023 MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH: FENOMENA FINTECH LENDING DALAM PERSPEKTIF FATWA MUI NO 117/DSN-MUI/II/2018 TENTANG LAYANAN PEMBIAYAAN BERBASIS TEKNOLOGI INFORMASI BERDASARKAN PRINSIP SYARI’AH Ahmad Solekhan
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 1 (2023): MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i1.30

Abstract

ABSTRACT Low public literacy about online lending has trapped many ordinary people in the crush of online loans. This problem call , the Indonesian Ulema Council, through the DSN-MUI, has again refreshed the provisions that were actually set several years ago regarding information technology-based financing services based on sharia principles (Shari'ah). DSN-MUI FATWA NO 117/DSN-MUI/II/2018), through the results of the ijtima' Ijtima Ulama of the VII Indonesian Fatwa Commission which was held by the Fatwa Commission of the Indonesian Ulema Council (MUI). Response Indonesian Joint Funding Fintech Association AFPI is fully committed to encouraging access to funding for inclusion through safe and law-abiding digital financial services, by carrying out an architecture that includes policy advocacy, code of conduct, literacy and education, data knowledge and intelligence, and collaboration. In addition, AFPI supports and opens space for sharia-licensed players by creating separate clusters. Currently, there are 7 platforms that specifically have sharia-based licenses and are licensed by the Financial Services Authority (OJK). So actually the MUI fatwa is aimed at casuistic matters that violate banking principles, not all Fintech lending institutions. Literasi masyarakat yang rendah tentang pinjaman online telah banyak menjebak masyarakat awam dalam himpitan pinjaman online.Terkait dengan masalah tersebut Majelis Ulama Indonesia melalui DSN-MUI kembali merefresh ketentuan yang sebenarnya telah ditetapkan beberapa tahun lalu tentang layanan pembiayaan berbasis teknologi informasi berdasarkan prinsip syari’ah (FATWA DSN-MUI NO 117/DSN-MUI/II/2018), nelalui hasil ijtima’ Ijtima Ulama Komisi Fatwa se-Indonesia ke-VII yang digelar Komisi Fatwa Majelis Ulama Indonesia (MUI). Respon Asosiasi Fintech Pendananaan Bersama Indonesia AFPI berkomitmen penuh mendorong akses pendanaan untuk inklusi melalui jasa keuangan digital yang aman dan taat aturan, dengan mengusung arsitektur yang meliputi policy advocacy, code of conduct, literasi dan edukasi, data knowledge and intelligence, dan kolaborasi. Selain itu, AFPI mendukung dan membuka ruang gerak para pemain berlisensi syariah dengan membuat klaster tersendiri. Saat ini, terdapat 7 platform yang khusus memiliki lisensi berbasis syariah sekaligus berizin Otoritas Jasa Keuangan (OJK). Jadi sebenarnya fatwa MUI ditujukan pada hal kasuistik yang menyalahi prinsip-prinsip perbankan, bukan semua lembaga Fintech lending.
Edisi 1 Vol 2 September 2023 MEMBANGUN UMAT DENGAN ZAKAT: Filantropi Islam Dan Pemberdayaan Ekonomi Indonesia Riatun sukmawati
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 2 (2023): MEMBANGUN UMAT DENGAN ZAKAT
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i2.31

Abstract

Islamic philanthropy is defined as voluntary action for the public good. The word philanthropy itself is actually a term popularized by people in today's modern era. Even so, the practice of philanthropy in Islam has been carried out since its inception, especially in the main guideline for Muslims, namely the Al-Quran, it turns out that there are many good deeds injunctions related to philanthropy, the three most common forms of philanthropy which are explicitly mentioned in the Al-Quran. namely zakat, infak and alms. This paper is intended to see how the concept of Islamic philanthropy improves the economy of the Indonesian people. In scientific writing, the writing method used by the author is literature study or literature review. Based on the results obtained from the literature, the authors can conclude that generous behavior such as zakat, infaq and alms has potential in developing the Indonesian economy, as well as playing a positive role in reducing poverty and social inequality. The presence of philanthropy can also be a collective effort to frame the spirit of generosity in Indonesia
Edisi 1 Vol 2 September 2023 MEMBANGUN UMAT DENGAN ZAKAT: POTENSI ZAKAT DI INDONESIA DAN STRATEGI REALISASINYA Ahmad Solekhan
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 2 (2023): MEMBANGUN UMAT DENGAN ZAKAT
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i2.33

Abstract

The potential for incoming ZISWAF funds(Zakat, infaq, Shodaqoh and Waqf) among Muslims in Indonesia is very large. TheBAZNAS Strategic Study Center for 2021which shows the estimated figure for obtaining ZIS funds that are traditionally managed in the community (non-OPZ) in 2019-2020 reaches IDR 61.26 trillion. Even if the formal and informal ZIS realization figures are added up, the space for ZIS collection is still very wide when compared to its potential. Therefore, there is a need for ZIS collection innovation so that it can grow significantly. One form of effort that can be done to give muzaki trust and satisfaction in managing zakat is to provide good and structured services that refer to the five functions of organizational management namely planning (planning), grouping (organizing), implementation (activating) evaluation (evaluating) and supervision(controlling) as a form of efforts to promote business development.
Edisi 1 Vol 2 September 2023 MEMBANGUN UMAT DENGAN ZAKAT: STRATEGI FUNDRAISING MELALUI PROGRAM KALENG SEDEKAH DAN SEDEKAH RAMADHAN Misbahun nidhom
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 2 (2023): MEMBANGUN UMAT DENGAN ZAKAT
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i2.35

Abstract

Paying zakat, infaq and shadaqah is a real step tobuilding social synergy that can be developed in the context of modern life,The increasing number of government-owned zakat agencies or institutionsor belonging to a particular organization, there needs to be outreach to the public andprofessionalism of an institution in mobilizing and managing zakat and infaq fundsand shodaqoh. The mandate from donors to amil zakat institutions is partThe most important thing is to increase donors' trust in the zakat amil institutionin other words muzakki, munfiq, and mushoddiq must be positioned as determinantsthe growth and development of amil zakat institutions, because it is impossible for an amil zakat institutionZakat can survive without the presence of muzakki, munfiq and mushoddiq. NU through the InstituteZakat, Infaq and Sadaqah Nahdlatul Ulama (LAZIS-NU) is one of theNational Zakat amil institution that manages zakat, infaq shadaqah and ZISWAF).NU Care-LAZISNU has actually prepared a new flow of NU independencethrough the movement of the infaq box (KOIN NU). The KOIN NU movement is a movementnahdliyin to collect small change from houses. With the existence of NU COINScan be the main way, the main solution, the mainstay program to realize the new floweconomic independence of the archipelago. The number of NU residents is very large and averagecomes from a lower middle class economy, so it is based on a community alms can model
Edisi 1 Vol 2 September 2023 MEMBANGUN UMAT DENGAN ZAKAT: MODEL BAZNAS MIKROFINANCE DESA (BMD) SEBAGAI PENGUATAN USAHA MIKRO DI KABUPATEN KENDAL Masruri Masruri
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 2 (2023): MEMBANGUN UMAT DENGAN ZAKAT
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i2.36

Abstract

Pada tahun 2020 Baznas Kabupaten Kendal merealisasikan program Mikrofinance dengan saran pedagang keliling. Yang menjadi problem berikutnya, ternyata proyek BMD ini sepertinya stagnan, sejak launching dua tahun yang lalu. Model pengembangan usaha mikro ini yang inovatif, belum bertambah , sementara harapan masyarakat pada Baznas sangat besar, apalagi melihat peningkatan kapasitas penggalian zakat infaq dan shadaqah Baznas Kendal yang mengalami peningkatan. Selain itu usaha mikro di Kabupaten Kendal yang berjumlah lebih dari 3.000, perlu penanganan serupa, sementara BMD baru menjangkau 1 desa. Dari latar belakang masalah ini, perlu dikaji berbagai hal terkait proyek BMD ini, baik dari faktor pendukung dan penghambatnya dalam realisasi model Model Baznas Mikrofinance Desa (BMD) Sebagai Penguatan Usaha Mikro Di Kabupaten Kendal. Riset ini menggunakan bentuk penelitian lapangan (field research), yang menggambarkan realitas obyek pada lokasi penelitian sesuai dengan fokus riset. Prosedur penelitian ini akan menghasilkan data deskriptif berupa kata-kata tertulis atau kesan dari orang dan perilaku yang dapat diamati untuk menunjang penelitian . Fokus penelitian ini berupa realisasi model Model Baznas Mikrofinance Desa (BMD) Sebagai Penguatan Usaha Mikro Di Kabupaten Kendal. Pendekatan yang akan digunakan peneliti, adalah riset kualitatif , dengan beberapa jenis pendekatan : Case Studies. Hasil penelitian menunjukkan Program mikrofinance Baznas Kendal mempunyai potensi pengembangan ekonomi mikro yang besar dan ternyata belum ditindak lanjuti dengan upaya berkelanjutan karena beberapa hambatan yang berasal dari pelaku usaha mikro itu sendiri. Tidak berjalannya program mikro finance Baznas tersebut dikarenakan faktor-faktor diluar kemampuan. Yaitu tidak tersedianya SDM yang cukup dari Baznas untuk menangani tugas tersebut. Saat ini personel Bazanas Kabupaten Kendal masih sangat terbatas, dan baru mampu menanganitugas-tugas rutinitas indoor. Di samping itu Baznas belum menyediakan personel yang secara spesifik menguasai pengembangan dan melakukan mentor UMKM. Baznas belum secara intensif melakukan program kolaboratif antar lembaga,yang yang berkompeten dalam pengembangan UMKM.

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All Issue Vol 3 No No 01 (2025): Implementasi Ekonomi Syari'ah : Marketing Syari'ah Vol 2 No 2 (2024): KEBIJAKAN-KEBIJAKAN PUBLIK DALAM KAJIAN EKONOMI SYARIAH Vol 2 No 1 (2024): EKONOMI KERAKYATAN DALAM PERSPEKTIF EKONOMI SYARI'AH Vol 1 No 2 (2023): MEMBANGUN UMAT DENGAN ZAKAT Vol 1 No 1 (2023): MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH