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Menguak Konsep Kebersandingan Fethullah Gulen dan Asimilasi Budaya Tariq Ramadhan Fauzia, Ika Yunia
ISLAMICA: Jurnal Studi Keislaman Vol 3, No 2 (2009): Islamica
Publisher : Program Pascasarjana UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (102.822 KB) | DOI: 10.15642/islamica.2009.3.2.1-19

Abstract

The wave of immigration of Muslims to European countries has brought with it the serious consequences as to how these Muslims should adapt culturally and religiously to the entirely different circumstances. Some Muslim intellectuals –like Fethullah Gulensuggested that Muslims should maintain the cultural co-existence in a way that would not endanger their religious tradition while at the same time bring a state of peace both for themselves and for the communities they live in. Tariq Ramadhan in the meantime suggested that Muslims be committed to what he calls the cultural assimilation whereby they put aside their cultural upbringing from their country of origin and assimilate fully into the cultural live of Europe. Hence, this paper is about the analysis of the cultural dilemma that Muslims face in Europe by referring to the thought of Gulen and Ramadhan on the issue at hand. Although the context of the paper is limited to Europe, the content of the analysis is presented in such a way that it may also be relevant to similar problems faced by Muslims in different cultural and social settings.
Akad Wakâlah dan Samsarah sebagai Solusi atas Klaim Keharaman Dropship dalam Jual Beli Online Fauzia, Ika Yunia
ISLAMICA: Jurnal Studi Keislaman Vol 9, No 2 (2015): Islamica
Publisher : Program Pascasarjana UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (467.842 KB) | DOI: 10.15642/islamica.2015.9.2.323-343

Abstract

Online business (selling-buying) has become prominent in the past few years ago as demand increases. This kind of business forms a positive effect of the development of internet which produces new business-men. Along with the development of online business, there emerges dropship system which is mostly undertaken by female entrepreneurs. Despite its negative effect, dropship system has positive influence, i.e. creating positive activities for women and therefore empowering them. The polemics of dropship is still going on. According to some Muslim jurists, dropship is forbidden (harâm) because the practicioners of this system sell items only from picture. Moreover, the items sold have not been the property of the practicioners. This article deals with the benefit of wakâlah and samsarah contract used to accommodate the dropship system. The specification of both contracts is explained in detail in order for this system to be undertaken as wakalah and samsarah contract. The practicioners of dropship as wâkil, and suppliers as muwakkil, or the practicioners of dropship as simsâr with some conditions that should be accorded to the contract in the beginning of transaction.
MEMBANGUN EKONOMI PEDESAAN DENGAN FINANCIAL INCLUSION MELALUI LEMBAGA KEUANGAN SHARIAH Fauzia, Ika Yunia
An-Nisbah: Jurnal Ekonomi Syariah Vol 1, No 2 (2015)
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2015.1.2.181-198

Abstract

Financial inclusion is expected to create programs that can make people prosperous society through empowerment. As has been done by the Grameen Bank with the concept of women’s empowerment, GTZ (Germany) and IFC. Financial inclusion is a true essence of Islamic economy, by strengthening qard hasan for developing the rural sector and empower the community. Funds can be taken from ZISWAF, especially endowments which has enormous potential to build the country. There are several challenges and obstacles in the implementation of fnancial inclusion by Islamic fnancial institutions, among which are human resources, infrastructure and funding. More than the other problems is the lack of good coordination among the scholars in the countryside and the Economist Sharia associated program to unify perceptions of Islamic fnancial institutions in general and in particular fnancial inclusion.Keywords: Financial inclusion, empowerment, Islamic fnancial institutions
Akad Wakâlah dan Samsarah sebagai Solusi atas Klaim Keharaman Dropship dalam Jual Beli Online Ika Yunia Fauzia
Islamica: Jurnal Studi Keislaman Vol. 9 No. 2 (2015): Maret
Publisher : Postgraduate Studies of Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (467.842 KB) | DOI: 10.15642/islamica.2015.9.2.323-343

Abstract

Online business (selling-buying) has become prominent in the past few years ago as demand increases. This kind of business forms a positive effect of the development of internet which produces new business-men. Along with the development of online business, there emerges dropship system which is mostly undertaken by female entrepreneurs. Despite its negative effect, dropship system has positive influence, i.e. creating positive activities for women and therefore empowering them. The polemics of dropship is still going on. According to some Muslim jurists, dropship is forbidden (ḥarâm) because the practicioners of this system sell items only from picture. Moreover, the items sold have not been the property of the practicioners. This article deals with the benefit of wak?lah and samsarah contract used to accommodate the dropship system. The specification of both contracts is explained in detail in order for this system to be undertaken as wakalah and samsarah contract. The practicioners of dropship as wâkil, and suppliers as muwakkil, or the practicioners of dropship as simsâr with some conditions that should be accorded to the contract in the beginning of transaction.
The Islamic Models of Saving and Investment sebagai Suatu Tawaran atas Perilaku Impulse Buying pada Produk dan Jasa Taḥsīnīyāt Ika Yunia Fauzia
Islamica: Jurnal Studi Keislaman Vol. 12 No. 2 (2018): Maret
Publisher : Postgraduate Studies of Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.65 KB) | DOI: 10.15642/islamica.2018.12.2.155-175

Abstract

The behavior of impulsive buying becomes common today, along with the rampant variety of marketing promotions carried out by business people. Many consumers make purchases impulsively after being attracted to several factors that drive this behavior. The purchases due to unplanned decisions often occur in products and services of taḥsīnīyāt. Actually there is nothing wrong with the behavior of impulsive buying if the consumers who do it have fulfilled the ḍarūrīyāt needs and have prepared their future needs. However, it becomes a problem if impulsive buying for products and services of taḥsīnīyāt precede the primary needs that have not been fulfilled properly. This research will try to provide a brief solution on how to limit the self from rughbah and shahwat of buying, by planning income for several financial posts. Here the author offers the concept of Islamic models of saving and investment which can also be interpreted as Islamic family wealth management. It is hoped that this research can provide a meaningful contribution to human development.
Tinjauan akad jual beli dan khiyar dalam situs bukalapak perspektif maslahah Arina Dyah Puspita Sari; Ika Yunia Fauzia
Journal of Business & Banking Vol 8, No 2 (2018): November 2018 - April 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i2.1644

Abstract

Review Akad Buy Sell and Khiyar in a Site Bukalapak The Perspective Of Maslahah. This research reviewing the transactions by pelapak and buyers based on akad buy and sell khiyar associated with the maslahah in a site bukalapak. The collection of data by conducting interviews to informants as many as six people, three from the buyers, two of the pelapak, and one from the company at bukalapak. Data obtained processed and analyzed with the use of case studies, as well as tested their validity. Based on the results of the study, review of akad sell buy islamic perspective can use akad sell buy salam and akad murabahah. The akad used in accordance with the groove of sell buy on the site bukalapak, buyers see the goods and the price of goods and of order goods by paying in advance, recently received the goods within the period prescribed. The implementation of khiyar in the sharia perspective in site bukalapak use khiyar syarat and khiyar 'aib. Maslahah islamic perspective in site bukalapak which can be perceived by users i.e., bring benefits as well as resist damage. Researchers expect the results of this research can be beneficial to entrepreneurs islami and perpetrators of online business in indonesia.
Understanding Sharia Compliance According To Indonesian Muslim Entrepreneurs And Business People Ika Yunia Fauzia; Wiwik Lestari; Tatik Suryani
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 12, No 1 (2020)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (17258.908 KB) | DOI: 10.15408/aiq.v12i1.8775

Abstract

This research aims at understanding the concept of Sharia compliance, according to Muslim business people and entrepreneurs. These people, over the years, believe that their business is in full conformity with Sharia. Using a qualitative approach coupled with an ethnographic analysis, this research finds that their business is in line with Sharia in terms of its meanings, forms, functions, benefits and values. This study also finds that there are similarities between one respondent to others with regard to the underlying meaning of Shariah compliance. However, they have different understanding concerning the meaning of usury and interest in conventional banking.Penelitian ini bertujuan melihat pemaknaan kesesuaian dengan syariah (shariah compliance) menurut para pebisnis dan wirausahawan Muslim. Kelompok ini, selama bertahun-tahun, meyakini bahwa usaha yang mereka jalankan sudah sesuai dengan syariah. Penelitian ini menggunakan pendekatan kualitatif dengan studi etnografi. Selanjutnya, penelitian ini menemukan bahwa para bisnis yang dijalankan oleh responden berkesesuaian dengan syariah dalam hal makna, bentuk, fungsi, manfaat, dan nilai. Ditemukan juga bahwa ada kesamaan pemahaman antara satu responden dengan yang lain terkait dengan pemaknaan shariah compliance. Meskipun demikian, ada perbedaan dalam memahami hukum tentang riba dan bunga pada bank konvensional.
Enhancing the Literacy of Shariah Financial Technology for Generation X, Y and Z in Indonesia Ika Yunia Fauzia
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 7 No 2 (2020): December Issue
Publisher : Jurnal Minds: Manajemen Ide dan Inspirasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v7i2.15871

Abstract

This research tries to improve financial literacy through sharia fintech, especially in payment gateway, peer to peer lending, and crowdfunding. It focuses mainly on how the X, Y, and Z generations may improve financial literacy. The research uses a qualitative approach in analyzing its case study, involving 30 informants in Indonesia who have the knowledge or other ways and access sharia fintech. The research will then select 30 informants and ten people to represent each X, Y, and Z generations. The research shows that X generations are more literate in sharia fintech than Y and Z generations to disseminate and spread sharia fintech and improve its infrastructures and services in its products.
Model Islamic Family Wealth Management Perspektif Ekonomi Islam Ika Yunia Fauzia; Zubaidah Nasution; Surya Setiawan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (476.945 KB) | DOI: 10.30651/jms.v6i1.8630

Abstract

Abstrak:Bahasan tentang wealth manajemen selalu menarik karena berhubungan secara langsung dengan kesejahteraan hidup individu masing-masing. Kecakapan seorang individu dalam merencanakan dan mengelola keuangan akan menentukan kesuksesan finansial dalam hidupnya, terlebih jika individu tersebut telah menikah dan mempunyai keluarga. Al-Qur’an dan al-Hadis menjelaskan dengan baik perilaku Islamic family wealth management (IFWM), akan tetapi belum tergali dengan baik model dari konsep tersebut. Penelitian ini dengan menggunakan content analysis, mencoba untuk membangun model IFWM sehingga nantinya bisa dimanfaatkan dengan baik oleh keluarga Muslim di Indonesia. Model IFWM berkaitan erat dengan perencanaan dan pengelolaan keuangan keluarga serta kesejahteraan keluarga tersebut, dengan memasuki tahapan-tahapan yang telah dijelaskan dalam model IFWM tersebut.  Beberapa tahapan-tahapan tersebut di antaranya berkaitan dengan konsep dharuriyat, saving, investasi, dan lain sebagainya.Kata kunci: Islamic family, wealth management, perencanaan, pengelolaan
PASAR MODAL SYARIAH DI INDONESIA Fauzia, Ika Yunia
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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

Abstract

The Birth of shariah capital market in Indonesia is a breakthrough, in order to open a new niche on the trading floor. With distinct segmentation, it is expected that local Moslem investors and Middle Eastern investors will be colouring investment growth in it. The existance of sharia capital markets, will also participate in enhancing the development and the growth of national economic because it can strengthen industries and companies financial position. In which industries and companies engaged in efforts dealing with shariah, which can provide a positive contribution to people’s live. However modern economy will rely heavily on strong capital markets, global competitivenes and also good system. And it is expected that sharia capital market in Indonesia could have strong competitivenes so that can develop, deliver profit and benefit for the community of investors, industry sectors and society in general.