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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam Misykat: Jurnal Ilmu-ilmu Al-QurÆan, Hadist, Syariah dan Tarbiyah Fastabiq: Jurnal Studi Islam
Annisa Eka Rahayu
Universitas Islam Bandung
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PERBANDINGAN KONSEP RIBA DAN BUNGA BANK MENURUT YUSUF QARADHAWI DAN MUHAMMAD SAYYID THANTAWI SERTA IMPLIKASINYA TERHADAP PERBANKAN SYARIAH Annisa Eka Rahayu; Neneng Nurhasanah; Nandang Ihwanudin
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (899.668 KB) | DOI: 10.29040/jiei.v7i2.2227

Abstract

Banks exist to be the power of human economy. Problems arise related to the banking system which has narrowed to interest, it has become a controversial topic of discussion. This led to differences of opinion among contemporary scholars such as Yusuf Qaradhâwi and Muhammad Sayyid Thantawi. This difference in opinion regarding the status of interest can affect public interest in conducting transactions with banks. The purpose of this study is to analyze the legal status of bank interest according to Yusuf Qaradhâwi and Muhammad Sayyid Thantawi and to find out its impact on the market share of Islamic banking in Indonesia. The research method used is a qualitative method with literature study. Based on the research results, the law of interest according to Muhammad Syyid Thantawi is not a prohibited riba. The istinbâth ahkam method used by Thantawi in determining the status of bank interest is Al-Qur'an, hadith, qiyas, and mashlahah mursalah. According to Yusuf Qaradhâwi, the law of interest is the same as usury. The istinbâth ahkam method used by Yusuf Qaradhâwi in determining the status of interest is Al-Qur'an, hadith, Ijma 'ulama, qiyas, and fiqh rules. Thantawi's thinking has implications for the paradigm of public thinking that the Islamic financial industry still tends to be conventional. Qradhawi's Opinion This needs to be supported considering the large number of Muslims in Indonesia, this is expected to change the paradigm of thinking of the public to conduct transactions with Islamic banks, as to increase the market share of Islamic banking in Indonesia. Keywords : Riba, Interst, Yusuf Yusuf Qaradhâwi, Muhammad Sayyid Thantawi and Market Share.
Kontruksi Akad Ijarah Pada Fatwa DSN MUI Tentang Pembiayaan Multijasa Annisa Eka Rahayu; Neneng Nurhasanah
LAA MAISYIR: Jurnal Ekonomi Islam Vol 7, No 1 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v7i1.13747

Abstract

The purpose of this research is to determine the eligibility of multijsa financing agreement based on Fatwa DSN on multijasa financing. Methods of literature research, multidisciplinary, normative juridical approach. Analytical descriptive data analysis. The results show that the contractor may accept a multifamily financing agreement, using the al-Ijadrah agreement or the al-musta'jir agreement where the tenant will re-rent the services he has rented. Later, the LKS makes a purchase or lease of the service or goods for which it is then rented out, and then the LKS can perform the contract of al-ijârah or the sale of al-musta'ir at a higher price and gradually repayment. So this is one of the factors of public interest in the product of multilingual Ijârah according to the needs of the community each year.  
Instrumen Distribusi dalam Ekonomi Islam untuk Meningkatkan Kesejahteran Umat Nandang Ihwanudin; Annisa Eka Rahayu
MISYKAT Jurnal Ilmu-ilmu Al-Quran Hadist Syari ah dan Tarbiyah Vol 5, No 1 (2020): Misykat: Jurnal ilmu-ilmu Al-Quran, Hadits, Syariah dan Tarbiyah
Publisher : Pascasarjana Institut Ilmu Al Quran (IIQ) Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33511/misykat.v5n1.143-146

Abstract

Pertumbuhan ekonomi tidak terlepas dari keadilan distribusi bagi setiap individu. Namun pada realitanya, nampak terjadi ketidakadilan dan ketimpangan dalam pendistribusian pendapatan dan kekayaan, sehingga berdampak pada peningkatan jumlah kemiskinan. Kebijakan distribusi dalam Islam menjunjung tinggi nilai-nilai keadilan yang didasarkan pada al-Qur’an, yakni agar kekayaan tidak beredar hanya pada satu kelompok saja. Untuk menciptakan kesejahteraan umat maka diperlukan instrumen dalam distribusi diantara: zakat, wakaf, waris, infak dan sedekah. hal ini bertujuan pendapatan atau kekayaan agar tidak menguntungkan pihak yang bermodal dan berakibat pada penumpukan harta pada golongan tertentu. Selain itu, masyarakat dituntut untuk menyadari akan peran pentingnya menciptakan keadilan distribusi dan mempersempit kesenjangan ekonomi. Jika instrumen distribusi tersebut dapat diimplementasikan secara bersama-sama, diharapkan akan membentuk jaminan sosial yang akan menciptakan kesejahteraan umat.
ETIKA BISNIS DALAM AKAD MUDHẬRABAH (Studi di Baitul Maal wa at-Tamwil Tamzis Kantor Cabang Pembantu Bandung Ibu Inggit Garnasih) Annisa Eka Rahayu
FASTABIQ: JURNAL STUDI ISLAM Vol 1, No 1 (2020): FASTABIQ : Jurnal Studi Islam
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47281/fas.v1i1.8

Abstract

Baitul Maal wa at-Tamwil Tamzis Inggit Garnasih is a Sharia Cooperative that is very strategically located with Micro business in Kebon Kelapa ITC Market Bandung. That small capital deficit entrepreneurs can do mudharabah financing at Tamzis. The number of small entrepreneurs who do the financing Tamzis needs to be careful in running his business. Considering that the mudhârabah contract is a contract of cooperation between Shahibul Mal and Mudharib, both must hold to full trust, it is necessary to implement Islamic ethics in carrying out the contract. The purpose of this study was to eximine the susccesful implementation of business ethics in mudharabah contracts at BMT TAMZIS KCP Bandung Inggit Garnasih. The research method is based on a sociological juridical approach. Research methods conducted based on the normative juridical approach. This research is understood as filed research, which is collecting documentation data that is located in BMT TAMZIS KCP Bandung Inggit Garnasih.The research used is analytical descriptive, that is, research to describe current problems or based on reality in the field, and the type of data used in this research, namely primary data, material or data and secondary data in the form of supporting books. related to the object. The results showed that the Islamic business ethics carried out in the mudharabah contract at BMT TAMZIS KCP Bandung Inggit Garnasih showed an example of its success in helping members (customers) who are traders in the Kebon Kalapa ITC market enivironment.Keywords: BMT, Islamic Business Ethics, and Mudharabah.
Co-Authors Cecep Kusmana Nandang Ihwanudin