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Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam
Published by Penerbit Hellow Pustaka
ISSN : -     EISSN : 30323460     DOI : https://doi.org/10.61166/rihlah.v1i2.19
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam is peer-reviewed journal published by Hellow Pustaka Publisher. The journal is aimed to publish research contributing to the development of theory, practice, and policy making in Islamic Business and Finance. It therefore intends to create an interface between academic research and its practical application. The journal welcomes theoretical; technical; and applied articles that draw on all areas of Islamic Business and Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 24 Documents
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The Important Role of Aqsam in the Development of Islamic Economics Muhamad Wildan
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 1 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i1.1

Abstract

This article discusses the important role of aqsam in the development of Islamic economics. The meaning of aqsam is the plural form of the word qosam which means oath, or a style of language that is highly respected by Arabs in order to protect their honor, with this form of style they aim to strengthen a statement or word. This article uses a qualitative approach and literature review method regarding the concept of aqsam in the development of Islamic economics from books and journals on the internet. This article attempts to describe the important role of aqsam in the development of Islamic economics. Aqsam is an expression given for affirmation and strengthening along with testimony. So it can be understood that what is meant by aqsam al-Qur'an is something that is conveyed to strengthen. In this case, aqsam is useful in terms of Islamic economics which is related to lending and borrowing agreements in financial terms.
Understanding the Concept of al-Ijarah in Sharia Economics Felisha Edelisia Herawan
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 1 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i1.2

Abstract

This research aims to understand the concept of al-Ijarah from a Sharia economic perspective based on the Hadith of the Prophet and the quality of hadith that discuss al-Ijarah by first executing the hadith Naqd al-Sanad, Naqd al-Matan, and I-Tibal about martyrdom and Muttabian, as well as providing detailed syār (explanation). A complete review of representative hadiths with the aim of providing a legal basis in the context of al-Ijarah activities. This study explores a large number of hadiths and summarizes them into topics of discussion using the Taqriji al-Hadith bi-al-Faz and Taqriji al-Hadith bi-al-Mawdui methods. Next, one of the hadiths which represents various hadiths related to al-Ijarah will be discussed comprehensively and in detail. Ijarah is a concept in Islam that refers to renting or renting. In carrying out the ijarah there are conditions and harmony. Ijarah is also divided into two forms, namely, ijarah for benefits and ijarah for work. In Islam, the practice of ijarah (renting) is supported by various arguments from Islamic legal sources. Some of these arguments, among others, come from the Al-Qur'an, hadith, and the consensus of ulama (ijma').
Implementation of the Murabahah Agreement in Financing Pension Funds at Bank Syariah Indonesia RFO Bandung Seli Diana Putri; Muhammad Al Mighwar
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 1 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i1.3

Abstract

Islamic banks are financial institutions that mediate the liquidity needs of society through various products and services. Islamic banking products are increasingly developing and competitive, including pension financing products, namely consumer financing which is only offered to retired workers (PNS, BUMN or BUMD) or retired widows. Pension financing is a low-risk type of financing. The evolution of BSI RFO Bandung pension fund customers has had its ups and downs. In this research, the problem is formulated how the pension financing mechanism is at BSI RFO Bandung and how is the implementation of the Murabahah contract in pension financing at BSI RFO Bandung. The purpose of this study is to describe the pension financing mechanism at BSI RFO Bandung and describe the application of a murabaha contract in pension financing at BSI RFO Bandung. bank, data checking/verification of data to obtain correctness of data completeness, field surveys with the 5C principle, evaluation of financing needs and decisions, execution of contracts and binding of collateral, and disbursement of financing. This study also found that the murabaha contract process for pension financing products is in accordance with the fatwa of the National Sharia Council (DSN) of the Indonesian Ulema Council (MUI) No: 04/DSNMUI/IV/2000, concerning general provisions for murabahah financing and several provisions related to implementation and standard SOPs. murabahah financing by the Financial Services Authority.
Sharia Marketing Strategy Education in Increasing Customer Trust in Pawn and Gold Installment Products at Bank Syariah Indonesia KCP Pandeglang Rohmatun Nadia Maulida
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 1 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i1.4

Abstract

Marketing strategy education plays a very important role in the success of the company, which must be reviewed and developed in accordance with the development of the market and the market environment. The purpose of this study is to determine sharia marketing strategies in increasing customer trust and find out the factors that hinder the growth of customer trust in pawn financing products and gold installments at Bank Syariah Indonesia KCP Pandeglang. This research is a type of field research that involves interview, observation and documentation data collection techniques. Data analysis using an inductive approach, the subject of this study is Bank Syariah Indonesia KCP Pandeglang. The results of this study show that the marketing strategies used by Bank Syariah Indonesia KCP Pandeglang including shiddiq, amanah, tabligh, fathonah, syaja'ah are very good in building customer trust. However, behind all that, the facts of this study show that Bank Syariah Indonesia KCP Pandeglang still has many obstacles, especially in marketing, such as the lack of public understanding of the Islamic banking system and public ownership interest in gold bars. In relation to marketing pawn financing products and gold installments, Bank Syariah Indonesia KCP Pandeglang implements Islamic principles, such as Godly, Ethical, Realistic and Humanist. This is evident from the implementation of the 4S principles (Smile, Greetings, Polite, Courteous as a form of ethics and humanism. As well as prioritizing open information as a form of realistic unity.
Legal Analysis of Online Foreign Exchange Buying and Selling and Stock Investment Using the Al-Qur'an Interpretation Method Najla Tanjiyah
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 1 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i1.5

Abstract

This study aims to find out how the law of buying and selling foreign exchange online and stock investment through the Al-Qur'an detention method. The meaning of foreign exchange or trading is a type of trade or transaction that trades one country's currency against another country's currency (currency pair/pair) which involves the main money markets in the world for 24 hours on an ongoing basis. Stock Investment is the purchase and storage of capital shares in a capital market by investors, both individuals and companies in anticipation of income from dividends and capital gains determining the increased value of these shares. Lately, there have been many fraudulent investment cases under the pretext of buying and selling foreign exchange. This of course attracts the attention of the public to participate in buying and selling foreign exchange which in the end is detrimental to themselves. This study uses a field research method that examines problems or events that occur in society regarding the law of buying and selling foreign exchange or buying and selling shares. This type of research is a case study with a qualitative approach method. From this research, we can find out that if the law of buying and selling foreign exchange online and investing in shares is not in accordance with the Al-Qur'an and Sunnah, it is haram.
Islamic Economy to Reduce Poverty in Indonesia According to the Al-Qur’an M Rafi Mudzakky; Ryan Bianda; M Jahid Lilhaq
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.16

Abstract

The poverty economy in Indonesia is a serious problem that requires attention and holistic solutions. This research aims to analyze efforts to overcome poverty by referring to economic principles in the Koran and Hadith. Through this approach, we can understand the Islamic view of social justice and economic distribution which can be the basis for more inclusive policies. This research identifies some of the main economic challenges facing Indonesia and analyzes how Islamic principles can be applied to overcome these problems. Efforts to empower communities through education, skills training and small business formation can be strategies that are in accordance with Islamic values. The results of the analysis show that the implementation of Islamic economic principles can make a significant contribution to reducing poverty levels in Indonesia. Therefore, policy recommendations include establishing regulations that support an equitable economic system, strengthening Islamic financial institutions, and increasing public awareness about socio-economic responsibility. This research contributes to our understanding of the potential for faith-based economic solutions to overcome poverty, and can become the basis for the development of more inclusive and sustainable policies in Indonesia.
Understanding and Preferences of Islamic Finance Among Gen Z Hilya Zulva; Syahnur Aida Alifia; Muhammad Misbakul Munir
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.17

Abstract

This study explores the understanding and preferences of Islamic finance among Generation Z by referring to Surah Al-Kahf verse 46. Generation Z, as a growing cohort in the digital era and globalization, has an increasingly important role in global economic development. Qualitative research methods are used to gain in-depth insight into the financial perspectives and beliefs of this generation, while verse 46 of Surah Al-Kahf was chosen as the theological basis for interpreting Islamic financial values. Results showed that, despite exposure to global culture, Generation Z showed significant interest in the concepts and principles of Islamic finance, as described in Surah Al-Kahf verse 46. Their understanding of these values influences their preferences for financial products and services. The implications of these findings for the financial industry and policymakers are presented, highlighting the importance of understanding and accommodating young people's preferences in more inclusive sustainable economic development, in line with the teachings of Surah Al-Kahf verse 46. This research aims to contribute to a better understanding of how Islamic financial values, as stated in the Qur'an, can guide the transformation of the global economy towards greater sustainability and inclusiveness.
Entrepreneurship in Islam (Principles and Strategies for the Success of the Prophet Muhammad SAW in Trading) Zian Salsabila Bidaula; Sitti Maulida; Holilur Rahman
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.18

Abstract

In the Islamic view, entrepreneurship does not only have material capabilities, but a Muslim entrepreneur will use his religion as a guide in his activities, including managing his business to avoid the goal of justifying all means. Therefore, it is necessary to know the principles and strategies of the Prophet Muhammad SAW in trading, where there are several principles that we can emulate from the Prophet Muhammad saw, namely Siddiq, Amanah, Fathanah and Tabligh. This article uses the Pustaka study research method (library research) which is a method of collecting data by understanding and studying theories from various literature related to research, where this research can be obtained from several sources such as books, manuscripts, jurna or from reports on previous research results. In this article we discuss the principles and strategies for the success of the Prophet Muhammad SAW in trading, which in this article discusses the biography of the Prophet Muhammad SAW, the principles and strategies for the success of the Prophet Muhammad SAW in trading.
Theoretical Analysis of the Effectiveness of the Sharia Financial System in Facing the Global Economic Crisis Trisna Eka Sari; Melisa; Seri Wahyuni; Zulfikar Hasan
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.19

Abstract

This research theoretically examines the effectiveness of the Islamic financial system in dealing with the global economic crisis. This study discusses economic theory, principles, characteristics, influence, comparison, experience, innovation and challenges in the Islamic financial system. Through a qualitative approach by conducting theoretical analysis of literature related to the Islamic financial system and the global economic crisis. The results of this research show that the Islamic financial system has great potential to become an attractive option in facing global economic challenges. By strengthening the foundation of sharia principles, developing appropriate innovations, and overcoming existing challenges, the sharia financial system can continue to develop and make a significant contribution to global financial stability and inclusion. This research confirms that the Islamic financial system, with its basic principles such as the prohibition against usury and excessive speculation, as well as the emphasis on real asset-based transactions, offers a more stable and fair alternative compared to the conventional financial system. The profit sharing principle shows the ability to reduce systemic risk by distributing risk more fairly among the parties involved in financial transactions.
Sharia Economic Transformation in the Era of Industrial Revolution 4.0 Muhammad Irfan Syah; Koni Piranda; Muhammad Rizky Anes; Zulfikar Hasan
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.20

Abstract

.  Industrial Revolution 4.0, marked by technological advances such as artificial intelligence (AI), Internet of Things (IoT), big data, and blockchain, has brought significant changes in various economic sectors, including the sharia economy. Sharia economics, which is based on Islamic principles such as justice, transparency and social responsibility, faces great challenges and opportunities in this digital era. The integration of technology in the sharia economy is important to ensure its relevance and sustainability. This research analyzes the impact of the Industrial Revolution 4.0 on the sharia economy, identifies the necessary transformations, and provides strategic recommendations to overcome existing challenges. The method used is qualitative with document analysis from various primary and secondary sources. The discussion includes the adoption of technology such as blockchain to increase transparency, the use of AI and big data for risk analysis, as well as the development of sharia digital financial products and services. The research results show that technology can increase operational efficiency and sharia financial inclusion, but challenges such as rigid regulations and a lack of technological literacy must be addressed. This research provides in-depth insight into the synergy between technology and sharia principles, and paves the way for sustainable and inclusive innovation in the sharia economy.

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