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All Journal Islamic Ecomonics Journal Falah : Jurnal Ekonomi Syariah Al Tijarah Khadimul Ummah Journal of Social Dedication JESI (Jurnal Ekonomi Syariah Indonesia) JURNAL HUKUM ISLAM El-Barka: Journal of Islamic Economics and Business Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Journal of Islamic Economics and Philanthropy El-kahfi : Journal of Islamic economics Journal of Islamic Economics Cakrawala: Jurnal Studi Islam JEBI (Jurnal Ekonomi dan Bisnis Islam) e-Jurnal Apresiasi Ekonomi Proceedings of Femfest International Conference on Economics, Management, and Business Journal of Finance and Islamic Banking

Mufti Afif

Universitas Darussalam Gontor

Author-ID : 2688100

Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Jual Beli Model âInah di Lembaga Keuangan Syariah: Tinjauan Konsep, Hukum dan Implementasi Mulyawisdawati, Richa Angkita; Afif, Mufti
FALAH: Jurnal Ekonomi Syariah Vol 3, No 1 (2018)
Publisher : Universitas Muhammadiyah Malang

The sale and purchase of inah and tawarruq is a classic problem that is recognized or not continues to grow and be practiced by individuals and financial institutions to date. Based on the facts on the ground, this type of engineering of sale and purchase occurs in Islamic Financial Institutions (LKS), where Islamic Financial Institutions only serve and serve financial services for its customers who need funds. So much is found that most LKS activities lead to financing through murabahah scheme where the scheme of the contract is considered safe for the LKS because the level of risk is lower than other types of contract. This paper is intended to determine the nature of the concept and legal sale and purchase inah and tawarruq according to scholars fiqh classics and how the practices of these two transactions became an issue on financial transactions in LKS. By using descriptive qualitative method, literature approach and history, it is produced that the type of sale of Inah and Tawarruq is still debated by the jurists of fiqh jurisprudence and the tendency is forbidden because there is a rift of ribawi transaction in it. While in practice in LKS is still widely applied and growing especially in superior products (murabahah) as in financing business capital, credit card, home financing or home renovation or the like and gold-based financing.

Analysis of Amil Zakat Institution Performance Using the Balanced Scorecard Method (Case study in BAZNAS Sragen) Khadijah, Siti; Afif, Mufti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018)
Publisher : Institut Agama Islam Bengkulu

The zakat funds collection, infaq and shadaqah movement in Sragen Regency was formally implemented by the Zakat Infaq and Shadaqah Agency (BAZIS) which was established on May 27, 1991. By the issuance of Law No. 38 of 1999 concerning Â Management of Â Zakat, it was changed to the National Zakat Agency ( BAZNAS). Amil Zakat Agency (BAZ) Sragen has a number of special programs in introducing zakat to the community. Finally they wereÂ able to collect zakat funds of around Rp. 250 million per month. The zakat funds which are collected at the Sragen BAZ mostly come from civil servants, the TNI and the National Police. However, this program has not been optimal yet, zakat funds absorbed only around Rp. 2 billion per year from the potential of Rp. 7 billion. Therefore, performance measurement Â is one of the important factors in companies and institutions to evaluate work results from the past period.This research uses the Balance Scorecard paradigm / perspective, namely measurement using four perspectives; Finance, Customers, Internal Business, Learning and Growth. The method used is descriptive explorative qualitative method. Data was collected by interview, questionnaire and documentation.The results showed that the performance of BAZNAS of Sragen Regency was "Good". The results of the average score of the performance appraisal of BAZNAS in Sragen Regency were 6: 8 = 0.75 which is "Good".

TABUNGAN: IMPLEMENTASI AKAD WADI’AH ATAU QARD? (Kajian Praktik Wadi’ah di Perbankan Indonesia) Mufti Afif
Jurnal Hukum Islam Volume 12, Nomor 2, Desember 2014
Publisher : Fakultas Syariah Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jhi.v1i1.556

There are no discussion about banking usury in classic Fikh books, because there were no banks, which nowadays they are needed by society to save their worth. As the research of classic Fiqh, there are differences in ulamas’ instructions, based on their understanding. However, they agree to state that bank interest is a usury or forbidden in Islam. Qardul Hasan is another term of qard, that is interpreted by the most of Indonesian people as social engagement, or bequest. Financial department must be careful in understanding the instructions, related to the implementation in the real life. Banks and financial departments claim that money saving is as akad wadi’ah yad dhamanah, whereas the meaning of dhomanah is responsibility. Fiqh ulamas decide that actually, wadi’ah is responsible. Yad dhamanah is irresponsible.

Dampak Penerapan AFCTA di Indonesia dalam Perspektif Ibnu Khaldun dan Abu Ubaid Nurul Anggesti; Mufti Afif
El-Barka: Journal of Islamic Economics and Business Vol 3, No 2 (2020)
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v3i2.2052

This study examines the impact of the application of the ACFTA trade cooperation on the economy in Indonesia in terms of the international trade theory of Ibn Khaldun and Abu Ubaid. The methods used is mixed methods (qualitative and quantitative methods) by analyzed the impact of ACFTA on Import and exports beetwen Indonesia and China using time series data during 2005-2018 were sourced from Central Bereau of Statistics and see the relevants thingking of Abu Ubaid dan Ibnu Khaldun to the implementation of ACFTA in Indonesia. The result showed that ACFTA has bad impact on the economy of Indonesia due to the zero cost of tariff on incoming goods. So, a new policy is needed as mentioned by the thingking of Abu Ubaid and Ibnu Khaldun. By eliminating the zero tariff policy and prioritizing economic succes based on the principle of justice and benefit of Indonesia.Penelitian ini mengkaji tentang dampak penerapan kerjasama dagang ACFTA terhadap perekonomian di Indonesia ditinjau dari teori perdagangan internasional Ibnu Khaldun dan Abu Ubaid. Metode yang digunakan adalah mixed methods (metode kualitatif dan metode kuantitatif), yaitu pertama, menganalisis dampak ACFTA terhadap ekspor Impor antara Indonesia dan China dengan menggunakan data time series dari tahun 2005 – 2018 yang didapat dari Badan Pusat Statisitk dan kedua, meninjau relevansi pemikiran Abu Ubaid dan Ibnu Khaldun terhadap penerapan ACFTA di Indonesia. Hasil penelitian menunjukkan bahwa selama ini ACFTA berdampak buruk bagi perekonomian Indonesia karena adanya biaya nol tarif terhadap barang yang masuk. Sehingga dibutuhkan kebijakan baru sebagaimana yang disebutkan oleh pemikiran dua tokoh ekonom muslim (Abu Ubaid dan Ibnu Khaldun) yaitu dengan menghilangkan kebijakan nol tarif yang kemudian mengutamakan keberhasilan ekonomi berdasarkan pada asas keadilan dan kemaslahatan masyarakat Indonesia.

Jual Beli Model ‘Inah di Lembaga Keuangan Syariah: Tinjauan Konsep, Hukum dan Implementasi Richa Angkita Mulyawisdawati; Mufti Afif
Falah: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2018)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v3i1.5835

The sale and purchase of 'inah and tawarruq is a classic problem that is recognized or not continues to grow and be practiced by individuals and financial institutions to date. Based on the facts on the ground, this type of engineering of sale and purchase occurs in Islamic Financial Institutions (LKS), where Islamic Financial Institutions only serve and serve financial services for its customers who need funds. So much is found that most LKS activities lead to financing through murabahah scheme where the scheme of the contract is considered safe for the LKS because the level of risk is lower than other types of contract. This paper is intended to determine the nature of the concept and legal sale and purchase 'inah and tawarruq according to scholars fiqh classics and how the practices of these two transactions became an issue on financial transactions in LKS. By using descriptive qualitative method, literature approach and history, it is produced that the type of sale of 'Inah and Tawarruq is still debated by the jurists of fiqh jurisprudence and the tendency is forbidden because there is a rift of ribawi transaction in it. While in practice in LKS is still widely applied and growing especially in superior products (murabahah) as in financing business capital, credit card, home financing or home renovation or the like and gold-based financing.

Corporate Social Responsibility Dalam Perpektif Islam Mufti Afif
Islamic Economics Journal Vol 3, No 2 (2017)
Publisher : University of Darussalam Gontor

This research is comparison study between convetional concept of CSR and Islamic concept. These two concepts, they are fundamental distinction, such in philosophy aspect and objective aspects. Conventional CSR generally on solving problem of poverty in addition to obtain the level of profit such as the trust of society. Whereas CSR responsibilities related to Islam between individual and social responsibilities of humanity. On basic of philosophy of CSR aspects of Islam in Quran and Sunnah, which deliver on the concept of relationship between institution and society or environment. This means the bond is stronger than conventional concept of CSR, which are only binding based on public confidence at Islamic Institution teaches that worship is not limited on the worship of mahdhah (hablumminallah), but other worship mahdhah also so due to considerations related to social worship (hablumminannas); This cue contained in God’s Word QS. Al-Ma’un verses 1-7. Islam has the principle of accountability which is balanced in all shapes and spaces in scope. Between body and soul, between individuals and between individuals and the family, social and, between a community with other societys and finally CSR Islam far has nailai maslahah compared to conventional CSR.

Efektifitas Distribusi Dana Zakat Produktif dan Kekuatan Serta Kelemahannya Pada BAZNAS Magelang Mufti Afif; Sapta Oktiadi
Islamic Economics Journal Vol 4, No 2 (2018)
Publisher : University of Darussalam Gontor

Zakat is one of the pillars of Islam that is obligatory for Muslims and distributed to other Muslims who need it. Zakat has short and long term goals. Short-term goals are channeled to consumptive needs, namely basic household, educational and health needs. While the long-term goal, the distribution of zakat is carried out in forms of capital that can be used for economic improvement and improvement. BAZNAS Magelang has a vision and mission in distributing zakat funds to the productive zakat program. The vision and mission of BAZNAS Magelang in its distribution is to be able to change the mustahik class into muzakki. This study aims to determine the optimality of productive zakat by BAZNAS Magelang, as well as it’s strengths and weaknesses. The type of this research is descriptive qualitative, and data produced (observation), interviews (interviews) and documentation (documentaries). And to test the validity of the data in the field, researchers used triangulation techniques. The results of field studies show that the average productive zakat by BAZNAS Magelang on average has not been able to spend a large portion of their wealth to commit tithe. BAZNAS Magelang is distributed only by providing assistance to meet daily needs. BAZNAS Magelang has not exercised control, guidance, and guidance for mustahik who have received productive zakat assistance, but BAZNAS Magelang has not been able to issue assistance in the distribution of it's productive zakat assets."

Analisis Strategi Penghimpunan Dana Zakat, Infak, dan Sedekah (Studi kasus di LAZ Ummat Sejahtera Ponorogo) Royyan Ramdhani Djayusman; Mufti Afif; Andi Triyawan; Faizal Abduh
Islamic Economics Journal Vol 3, No 1 (2017)
Publisher : University of Darussalam Gontor

One of the Zakat Institution in Ponorogo is LAZ Ummat Sejahtera Ponorogo, which has a muzakki 1.500 people in Ramadan, but except that month, it has 350-400 people of muzakki. The Aim of this research is to identify the preferences and factors influencing the Muslims of Ponorogo in paying Zakat infaq,shodaqoh and to identify the strategy of accumulating zakat infak shodaqoh at LAZ Ummat Sejahtera Ponorogo. The method that used in this research is mixed method or trianggulation method. Also Quantitative research methods used to determine the preferences and factors that influence the interest of Muslims Ponorogo in paying ZIS. While the qualitative method used to analyze the strategy that has been done by LAZ Ummat Sejahtera in order to collect ZIS funds. Data collection in quantitative research through the spreading of questionnaires to 250 Moslem Ponorogo using non probability sampling method with purposive sampling technique. After that, the data were analyzed by factor analysis method. While collecting qualitative research data obtained through interviews with LAZ Ummat Sejahtera, observation, and documentation related to LAZ Ummat Sejahtera. After that, analyzed by SWOT analysis technique (strengths, weaknesses, opportunities, and threats). The results of the research is factor analysis show that four factors influencing interest of Muslim Ponorogo for paying ZIS are factor of faith, factor of Intitution service, factor of religion knowledge, and factor of worship. Second, from the SWOT analysis get 24 strategies funding according to the behavior of Muslims at Ponorogo in paying ZIS.

Peran Strategi Self Management Team dalam Organisasi Mufti Afif
Islamic Economics Journal Vol 1, No 2 (2015)
Publisher : University of Darussalam Gontor

Self- management strategy team became a popular part in management science where this strategy while able to provide education for every individual of the team work but also able to solve the problems in an effective and efficient organization. This strategy take in five skills owned by each individual, which is capable of solving problems, capable of taking decisions, utilizing the resources available, seek and provide information, interact with people (or groups), and act on the beneficial aspects. For a leader, this strategy will form the typical attitude that is; Relating, scouting, persuading and empowering. Nevertheless this strategy cannot be implemented in all the company’s organization, except for those which already familiar with the culture of decisionmaking by employees.

Analisis Pengaruh Karakteristik Mauqūf ‘alaihi Terhadap Kelancaran Pelunasan Al-qardhu Al-hasan (Studi Kasus Program Protab di BWUT-MUI Provinsi DIY) Mufti afif
Islamic Economics Journal Vol 1, No 1 (2012)
Publisher : University of Darussalam Gontor

Berita Resmi Statistik No. 45/07/Th. XV, 2 Juli 2012 menyebutkan; tinggi rendahnya tingkat kemiskinan yang terjadi di Indonesia salah satunya tergantung pada pendapatan yang diterima oleh masyarakat, pengeluaran terhadap pendidikan serta kebijakan pemerintah dalam menurunkan tingkat pengangguran. Adapun upaya pemerintah dalam meningkatkan pendapatan kaum miskin tersebut diberlakukan sebuah program pinjaman modal dan dana bantuan sosial.Badan Wakaf Uang Tunai (BWU-T) MUI DIY sebagai lembaga sosial kemasyarakatan, mencoba mendukung program pemerintah Indonesia dengan memberikan bantuan modal pada kaum miskin dengan membebaskan biaya-biaya yang memberatkan seperti jaminan dan agunan. Program BWU-T yang dinamakan PROTAB (Pinjaman Produktif Tanpa Agunan dan Biaya) itu tidak sekedar memberikan pinjaman dana saja, tapi juga memperhatikan mauquf alaihi (nasabahnya) berupa pendampingan dalam berwira usaha serta membina pengembangan usaha sebagai upaya pengawasan.Penelitian ini ditujukan untuk mengetahui faktor-faktor apakah yang mempengaruhi kelancaran mauquf alaihi dalam melunasi angsuran pinjaman di BWU-T. Adapun variabel-variabel yang diduga mempengaruhi kelancaran pembayaran pinjaman adalah karakteristik mauquf alaihi yang di dasarkan pada 3C (character, capasity dan condition), dan pengolahan data dilakukan dengan metode analisis regresi logistik.

Co-Authors Abdullah Sahroni Abdullah Yuqdha Adhauddin Ahmad Suminto Ahmad Suminto Andi Triyawan Arie Rachmat Soenjoto Arie Rachmat Sunjoto arizqiya nurfattah Asifah Itsna Rosidah Aulia Fathan Mubin Emuzd Mudzahir Faizal Abduh Farah Khoirunnisa Fatturroyhan Fatturroyhan Ika Prastyaningsih Isna Arifa Malik Ibrahim Meichio Lesmana Miftah Azzahra Miftahul Huda Mohammad Zen Nasrudin Fajri Mufti Afif MUHAMMAD AGUS SETIAWAN Muhammad Kurnia Rahman Abadi Mutmainnah Mutmainnah Nur Hidayah Al Amin Nurul Anggesti Nurus Shefrilianti Hidayatullah Richa Angkita Richa Angkita Mulyawisdawati Richa Angkita Mulyawisdawati Royyan Ramdhani Djayusman Sapta Oktiadi Sheema Haseena Armina Siti Khadijah Susilo, Adib . Zuhria Febriana Putri

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