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IMPLEMENTASI PERBANKAN SYARIAH DALAM MENGHADAPI PELUANG DAN TANTANGAN MELALUI UU NO 21 TAHUN 2008 SESUAI FATWA AGAMA DAN NEGARA MENUJU SYARIAH YANG PARIPURNA Minatul Anggreni; Iza Hanifuddin
MAQASHID Vol. 4 No. 2 (2021): Nov 2021
Publisher : Fakultas Syariah - IAI Al-Qolam Malang

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Abstract

Abstract :This study aims to examine the suitability of the fatwa on Islamic banking products. I use a qualitative approach with data sourced from various related books or journals. The development of Islamic financial institutions (LKS) each year has increased significantly, especially in Islamic banking in Indonesia. Based on the fatwa, banks and related parties in this institution apply principles that are in accordance with sharia, namely for depositing funds and financing business activities, or other activities that are declared in accordance with sharia. In addition, the financing provided has many options in accordance with the wishes of Islamic bank customers. In this context, all financing products in Islamic banking must comply with the rules according to syara'. The DSN-MUI fatwa is a stipulation of regulations or regulations that exist in Islamic Banking in Indonesia.Keywords: Fatwa, Opportunity, Islamic Banking, Regulation, Challenge
Monopoli Serta Persaingan Usaha Tidak Sehat Menurut Uu No. 5 Tahun 1999 dan Hukum Ekonomi Islam Mia Nurlika; Iza Hanifuddin
EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam Vol. 8 No. 2 (2021): EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam
Publisher : Study Program Ekonomi Syari'ah, Sekolah Tinggi Agama Islam Muhammadiyah Tulungagung

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Abstract

Tata Perundang-Undangan yang dimiliki oleh Indonesia menjadi pedoman bagi segenap masyarakat dan komponen bangsa. Dan digunakan dalam kehidupan bermasyarakat, berbangsa dan bernegara. Peraturan tersebut memilki urutan dan hirarki yang telah disepakati. Sehingga setiap peraturan yang dibuat tidak boleh bertentangan dengan aturan yang ada diatasnya. Berkaitan dengan hal tersebut lahirlah Undang-Undang Nomor 5 Tahun 1999 tentang Larangan Praktik Monopoli dan Persaingan Usaha Tidak Sehat yang bertujuan untuk menciptakan lingkungan usaha yang kondusif. Gunanya yaitu untuk menjamin pemerataan kesempatan berusaha bagi usaha besar dan menengah serta pelaku usaha kecil. Artinya keberadaan Undang-Undang Nomor 5 Tahun 1999 bertujuan untuk memberikan kepastian hukum dan jaminan perlindungan yang sama UndangUndang Nomor 5 Tahun 1999 pada dasarnya tidak hanya bertujuan untuk menumbuhkan iklim usaha yang kondusif dalam rangka memberikan kepastian dan perlindungan terhadap pelaku usaha semata. Akan tetapi lebih dari itu, larangan praktek monopoli dan persaingan usaha tidak sehat juga memiliki tujuan untuk melindungi kepentingan umum. Sekarang ini dengan ketatnya persaingan bisnis menjadikan beberapa oknum menjalankan usahanya dengan cara yang tidak sehat atau curang. Padahal hal tersebut tidak diperbolehkan dalamhukum.Hukum Indonesia yaitu undang-undang tersebut maupun dalam hukum Islam. Islam sangat melarang praktik monopoli. Perilaku monopoli akan merusak sistem pasar dan efisiensi ekonomi, yang artinya melanggar sistem perekonomian.
Perbandingan Kontribusi Bruto Asuransi Syariah Sebelum dan Sesudah Pandemi Covid-19 Arin Ramadhiani Soleha; Iza Hanifuddin
Journal of Islamic Economics and Finance Studies Vol 2, No 2 (2021): JIEFeS, December 2021
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v2i2.3461

Abstract

AbstractIslamic insurance has a big role in the Islamic finance sector with the principle of mutual help. Gross contribution is one of the funds that can be utilized for insurance participants and companies. Covid19, which has an impact on the economic sector, makes understanding the growth of sharia insurance before and after the pandemic in terms of gross contribution very important. This study aims to further review the gross contribution from March-December to find out whether there is a significant difference from the gross contribution of sharia insurance before and after the Covid-19 pandemic. The study was conducted using a comparative quantitative approach with two paired samples. The research sample uses time series data, namely the gross contribution of sharia insurance in 2019 and 2020 for the period from March to December. The results of this study found that the comparison of gross contribution to the Islamic insurance industry seen before the 2019 pandemic and after the 2020 pandemic which was taken from March to December was normally distributed. This means that the development of sharia insurance when viewed before the 2019 pandemic and after the 2020 pandemic according to the gross contributions from sharia insurance participants did not experience a significant difference and will certainly increase.AbstrakAsuransi syariah memiliki peran besar pada sektor keuangan syariah dengan prinsip saling tolongmenolong. Kontribusi bruto merupakan salah satu dana yang dapat dimanfaatkan bagi peserta asuransi maupun perusahaan. Covid-19 yang berdampak pada sektor perekonomian, menjadikan pemahaman mengenai pertumbuhan asuransi syariah sebelum dan sesudah pandemi ditinjau dari kontribusi bruto sangat penting. Penelitian ini bertujuan untuk meninjau lebih lanjut kontribusi bruto dari Maret-Desember untuk mengetahui apakah ada perbedaan yang signifikan dari kontribusi bruto asuransi syariah sebelum dan sesudah pandemi Covid-19. Penelitian dilakukan dengan pendekatan kuantitatif komparatif dengan dua sampel berpasangan. Sampel penelitian menggunakan data time series yaitu kontribusi bruto asuransi syariah tahun 2019 dan 2020 periode bulan Maret hingga Desember. Hasil penelitian ini menemukan bahwa perbandingan kontribusi bruto pada industri asuransi syariah dilihat saat sebelum pandemi tahun 2019 dan sesudah pandemi 2020 yang diambil pada periode Maret hingga Desember berdistribusi normal. Hal tersebut berarti bahwa perkembangan asuransi syariah jika ditinjau pada saat sebelum pandemi tahun 2019 dan sesudah pandemi tahun 2020 menurut kontribusi bruto yang berasal dari para peserta asuransi syariah tidak mengalami perbedaan yang signifikan dan dapat dipastikan akan mengalami peningkatan.
Keadilan Gender dalam Undang-Undang Tenaga Kerja di Indonesia Anis Faridatul Hasanah; Iza Hanifuddin
IJoIS: Indonesian Journal of Islamic Studies Vol. 2 No. 2 (2021): IJOIS: Indonesian Journal of Islamic Studies
Publisher : Civiliza Publishing

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Abstract

This study tries to analyze women's employment law in Indonesia. In this case, the analysis of the case in the forms of violation of labor rights against women and how they are protected according to the Manpower Act. Women workers have the right to work and earn an income for a decent living. Women have the same rights as men in choosing jobs that match their abilities and interests and are not respected without discrimination, which is also regulated in the law. The laws and regulations in Indonesia itself have undergone changes and changes that have taken place many times. Starting from the formation of laws in Indonesia, especially before the amendment to the 1945 Constitution, the enactment of Law Number 10 of 2004, and previously Law Number 12 of 2011. The types and rules of legislation regulated in Article 7 of Law No. The laws are as follows: the 1945 Constitution of the Republic of Indonesia, TAP MPR, Laws/Perpu, Government Regulations, Presidential Regulations, and Regional Regulations. Ratification, Promulgation, and Dissemination and promulgated by the state secretariat.
Eksistensi Akad Dalam Bingkai Transaksi Bisnis Modern :Transaksi Bai’mu’athah di Supermarket Titis Indrawati; Iza Hanifuddin
Invest Journal of Sharia & Economic Law Vol 1, No 2 (2021): Invest Journal of Sharia & Economic Law
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v1i2.3482

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This study aims to find out how the existence of contracts in the frame of everyday business transactions, especially in bai'mu'athah transactions that occur in supermarkets. This study uses a qualitative research method with a library research approach. It is called library research because the data or materials needed to complete it comes from books and journals. The data collection method is the descriptive analysis method. Moreover, the analysis technique used is content analysis. The findings of this study are that in business transactions, contracts have an essential meaning in people's lives and are the basis of many human activities. The Islamic view of the contract has no limits as long as it is by the terms and pillars of the contract. However, along with the development of modern times to facilitate transactions and flexibility, the contract can be made directly, without using words, writing, or expressing the will. However, it is carried out with the actions of both parties that reflect their willingness and agreement, which is commonly known as a bai'mu'athah transaction. These transactions are found in supermarkets, where supermarkets use electronic barcode media that machines can only read. Bai'mu'athah transactions do not meet the requirements and pillars of the contract, but according to Maliki in the most rajih qaul, the law of buying and selling mu'athah is valid if it has become a daily habit that shows willingness, and the act describes the perfection of each other's desires. Each party. Moreover, some Shafi'i scholars allow bai'mu'athah transactions
Pembiayaan Pendidikan Anak Yatim Piatu Sebagai Dampak Sekunder Pandemi Covid-19 di Indonesia Melalui Zakat Buana Handa Wijaya; Iza Hanifuddin
Invest Journal of Sharia & Economic Law Vol 1, No 2 (2021): Invest Journal of Sharia & Economic Law
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v1i2.3510

Abstract

The Covid-19 pandemic has a secondary impact: the emergence of orphaned children due to losing one or both caregivers. Primary data of the children are used to implement child rights protection. The program must be run on target according to the characteristics and needs of children's rights. The research method used in this research is library research. These research variables include the impact of the Covid-19 pandemic in Indonesia on children, the role of zakat in supporting the education of children who have lost one or both caregivers, and legal certainty in supporting children's education during the Covid-19 pandemic in Indonesia. A single agency cannot solve educational problems for these children during the Covid-19 pandemic. Program cooperation from various parties such as multilateral organizations, national and local governments, non-governmental and faith-based organizations, voluntary organizations, and donors can overcome the secondary impact of the Covid-19 pandemic on these children. BAZNAS, as a national zakat management institution in Indonesia, has distributed zakat funds in supporting the field of education during the Covid-19 pandemic (2020-2021). However, no programs specifically lead to educational assistance to orphaned children due to the loss of one or both caregivers (parents or grandparents) during the Covid-19 pandemic. The implementation of educational services for vulnerable children experiencing school dropouts during the Covid-19 pandemic should be accompanied by a clear legal umbrella in ensuring the sustainability of education
ANALISIS QARDH DALAM PEMBIAYAAN RAHN DI LEMBAGA KEUANGAN SYARIAH (STUDI KASUS PINJAMAN USAHA) Siska Hana Pertiwi; Iza Hanifuddin
Niqosiya: Journal of Economics and Business Research Vol. 1 No. 2 (2021): Juli-Desember 2021
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (513.47 KB) | DOI: 10.21154/niqosiya.v1i2.276

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Penelitian ini bertujuan untuk melihat peran LKS dalam menyediakan pinjaman usaha, serta membedah kondisi dan sistematika akad Qardh dalam pembiayaan Rahn. Metode yang digunakan adalah analisis deskriptif dengan studi literatur, serta menggunakan data sekunder yang bersumber dari skripsi, jurnal, dan website lembaga terkait. Qardh dan Rahn berjalan dalam bingkai syariah, yang berlandaskan Al-Qur’an dan Hadist, serta Ijtihad ulama. Qardh dan Rahn memiliki ketentuan operasional di dalam Fatwa DSN-MUI, serta Peraturan Perundang-Undangan Nomor 21 Tahun 2008 Tentang Perbankan Syariah. Qardh dan Rahn, masing-masing memiliki rukun dan syarat yang wajib terpenuhi dalam akad tersebut dan menjadi penentu sah tidaknya akad. Kedua pembiayaan tersebut juga harus melalui alur traksaksi yang runtut untuk mencapai akad yang sah. Pengalihan pinjaman dari sistem konvensional ke syariah diperlukan karena maraknya penipuan dan masih ditemukannya praktik Riba. Lembaga Keuangan Syariah sudah memiliki legalitas lembaga dan keabsahan produk pembiayaannya. Qardh dan Rahn murni pinjaman tanpa imbalan, melainkan bagi hasil bagi transaksi Rahn. Qardh dan Rahn memiliki tujuan yang sama untuk menyokong usaha masyarakat. Qardh murni tujuan sosial bukan konsumtif, sedangkan Rahn bisa produktif dan konsumtif, serta LKS memperoleh bagi hasil.
ANALISIS STRATEGI MEMPERTAHANKAN LOYALITAS KERJA KARYAWAN PADA TOKO BATIK SOEMOWARSO SURODIKRAMAN PONOROGO Desi Nur Safitri; Iza Hanifuddin
Niqosiya: Journal of Economics and Business Research Vol. 2 No. 1 (2022): Januari-Juni 2022
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v2i1.614

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Abstract: Work loyalty is one of the elements that can be used in employee assessment which includes loyalty to their work, position and organization. By paying attention to the factors that influence employee work loyalty, it can improve performance and keep employees committed to one company. Retaining employees is one of the main things for a company to do. This study uses a qualitative approach. The purpose of qualitative research is to explain a phenomenon in detail by collecting detailed data, which shows the importance of the data being studied. Meanwhile, the type of research used is field research, which means aresearch that is carried out systematically by lifting data from the field. Field research aims to reveal facts and realities that exist in society. Based on the results of this study indicate that the strategy to maintain employee loyalty at the Soemowarso Batik Shop can be said to be quite good. It is said to be quite good because the strategy used is in accordance with the strategy theory of maintaining employee work loyalty. However, in reality the implementation of a fairly good strategy has not been able to maintain employee loyalty. It can be concluded that there are still many factors that influence employee work loyalty that are not realized at the Soemowarso Batik Shop. So that it affects the results of implementing the strategies that have been carried out at the Soemowarso Batik Shop. Abstrak: Loyalitas kerja adalah salah satu unsur yang dapat digunakan dalam penilaian karyawan yang mencakup kesetian terhadap pekerjaannya, jabatannya dan organisasinya. Dengan memperhatikan faktor-faktor yang mempengaruhi loyalitas kerja karyawan dapat meningkatkan kinerja dan mempertahankan karyawan agar tetap berkomitmen pada satu perusahaan. Mempertahankan karyawan merupakan satu hal yang utama untuk dilakukan oleh suatu perusahaan. Penelitian ini menggunakan pendekatan kualitatif. Tujuan dari penelitian kualitatif yaitu menjelaskan suatu fenomena secara detail dengan cara pengumpulan data yang detail juga, yang menunjukkan pentingnya kedalam data yang diteliti. Sedangan jenis penelitian yang digunakan yaitu penelitian lapangan (field reseach) yang berarti suatu penelitian yang dilakukan secara sistematis dengan mengangkat data yang ada di lapangan. Penelitian lapangan (field research) bertujuan untuk mengungkap fakta dan kenyataan yang ada di masyarakat. Berdasarkan hasil penelitian ini menunjukkan bahwa strategi untuk mempertahankan loyalitas kerja karyawan pada Toko Batik Soemowarso bisa dikatakan cukup baik. Dikatakan cukup baik karena strategi yang digunakan sesuai dengan teori strategi mempertahankan loyalitas kerja karyawan. Namun, pada kenyataannya dengan penerapan strategi yang cukup baik belum dapat mempertahankan loyalitas karyawan. Disimpulkan bahwa faktor-faktor yang mempengaruhi loyalitas kerja karyawan masih banyak yang tidak terealisasikan di Toko Batik Soemowarso. Sehingga mempengaruhi hasil dari penerapan strategi yang telah dilakukan di Toko Batik Soemowarso.
Strengthening the Role of Crafts as the Economic Drivers of Rural Communities in Sumberejo Village Widah Fitri Wulandari; Iza Hanifuddin
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 1 (2022): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1261.137 KB) | DOI: 10.32734/abdimastalenta.v7i1.6772

Abstract

Sumberejo Village is a village located in Sine sub-district, Ngawi Regency. Which is in a mountainous area. Dusun Ngasem itself has many assets in terms of community or social group, nature, knowledge, culture, physical, financial, personal. Interestingly, Ngasem Hamlet has several assets that are different from other hamlets in Sumberejo Village. The assets owned are the community assets of the bamboo booth craftsman group, the business of making bamboo booths is the community's livelihood. The method used is ABCD (Asset-Based Community Development) which prioritizes the utilization of existing assets and potentials around the community, namely the booth craftsman group. Based on the explanation of the ABCD approach, the skills improvement of the craftsmen and the addition of cubicle craftsmen in the strategy of running the business are obtained. With the progress of the business that can help the community in family life such as work, income / income, education.
Status Kepemilikan Emas Virtual di Aplikasi Shopee Perspektif Fatwa DSN-MUI Tentang Jual Beli Emas Secara Tidak Tunai Mevianti Nur Rahma; Iza Hanifuddin
Invest Journal of Sharia & Economic Law Vol 1, No 2 (2021): Invest Journal of Sharia & Economic Law
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v1i2.3439

Abstract

The purpose of this study is to find out how the Status of Virtual Gold Ownership in the Shopee Application is reviewed by DSN Fatwa No. 77/DSN-MUI/VI/2010 concerning the Sale and Purchase of Gold in Cashless Seen from the process of transferring ownership rights through buying and selling. This study uses a descriptive qualitative approach research method. The results of this study can be seen that; 1) Virtual gold ownership in the Shopee application in Islam is included in imperfect ownership because it is only a gold balance (intangible); 2) The process of ownership or transfer of virtual gold ownership rights through buying and selling in the Shopee application is considered invalid because the virtual gold ownership does not fulfill the muamalah contract, namely the absence of the handover of goods (Gold); 3) The status of virtual Gold ownership is reviewed by DSN MUI fatwa No. 75/DSN MUI/VII/2009 regarding buying and selling of non-cash Gold in the Shopee application is legal (Mubah). The ownership of virtual Gold purchased for cash is valid if there is a handover of goods/objects. However, there is no handover of goods in the Shopee application, so ownership is considered invalid.