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Transactional Comparative Analysis of Ijarah and Al Ijarah Al Muntakiya Bit Tamlik in Islamic Banks Asep Dadang Hidayat; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.762

Abstract

This research is to find out how ijarah and al-Ijarah al-Muntakiya bit Tamlik (IMBT) transactions are carried out in Islamic banks. The implementation of leasing transactions with ijarah schemes and IMBT in sharia bank products is in accordance with sharia principles. The implementation of ijarah transactions in Islamic banks refers to the provisions of the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) and Supreme Court Regulation Number 2 of 2008 concerning Compilation of Sharia Economic Law (KHES). There is a comparison with the implementation of the transfer of ownership of the leased object to IMBT, the transfer of the object for lease can only be attempted if the ijarah contract has ended, the option for transferring the object for lease can be attempted by promise (wa'ad). buy and sell. So there are no provisions in the IMBT contract based on the transfer of object ownership by promise (wa'ad). grants, this issue is contradictory because there is a reward that must be given by the customer (mustajir) to the bank for the object of the IMBT contract.  
Comparative Analysis of Islamic Economics with Capitalism Chandra; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.767

Abstract

This research discusses the concept of the Islamic economic system. The main objective of this study is to determine the relationship between Islam and the economy and how the pattern of Islamic regulation in the economic field, then the regulation of individuals in obtaining wealth. Is it true that the Islamic economic system is the only economic theory that can be expected as a light in the face of economic problems is an economic system that is able to create justice, the welfare of all parties, and the blessings of the world and the here after. Islamic economics in practice is inseparable from Islamic economic law. Islamic economic law that underlies the economic system is very different from the capitalist economic system.
Why Mudharabah Is Not Developing In Islamic Banking Lina Pusvisasari; Sofyan Al-Hakim; Iwan Setiawan
al-Afkar, Journal For Islamic Studies Vol. 6 No. 4 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i4.805

Abstract

Why mudharabah has not grown significantly in Islamic banking: Complexity and Risk: Mudharabah has a complex structure and involves profit sharing between the capital and the manager (mudharib). The success of mudharabah is highly dependent on the manager's ability to manage risk wisely. This can be challenging for Islamic banks as it requires specialized expertise in risk management and business evaluation. Uncertainty of Results: In mudharabah, business results cannot be guaranteed and may vary from time to time. This creates uncertainty for the capital party (shahib al-mal), especially if they want a fixed and stable return. This uncertainty may discourage investors and discourage the use of mudharabah on a large scale. Preference for Easier Instruments: Some Islamic banks prefer other financial instruments that are easier to implement, such as murabahah (sale and purchase with markup) or ijarah (lease). These instruments have simpler structures and are easier to understand, allowing banks to quickly offer products and services to their customers. Lack of Awareness and Understanding: Lack of awareness and understanding of mudharabah among the public and Islamic bank customers can also be a hindering factor. If customers do not have sufficient understanding of the concept and benefits of mudharabah, they may be reluctant to use products or services related to it. Unfavorable Rules and Regulations: Some rules and regulations in some countries may not provide sufficient support for the development of mudharabah in the Islamic banking industry. Certain legal ambiguities or regulatory constraints may hinder the freedom and flexibility in using mudharabah as a financial instrument. Slower Industry Development: The Islamic banking industry is still relatively young compared to conventional banking. While there has been significant growth in recent years, Islamic banking still faces challenges in achieving the same size and scale as conventional banking. This may also affect the wider adoption of mudharabah in the industry.
The Influence of Independent Curriculum Management on Organizational Culture and Positive School Culture Research on Integrated Islamic Elementary Schools in Purwakarta District Iwan Setiawan; Linda Tazkiyatul Munawaroh; Irawan
Zona Education Indonesia Vol. 1 No. 1 (2023): JUNE 2023
Publisher : Yayasan Mentari Madani

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Abstract

The educational process basically aims to improve the overall quality of human life. It can also be interpreted as a means of passing on culture through the transmission of certain information, utilizing mental processes and rationality to gain experience and develop abilities and a sense of dignity through the acquisition of knowledge and skills. The Freedom of Learning initiative was introduced by Nadiem Makarim Anwar, Minister of Education and Culture. This policy was implemented in response to the recognition that education in Indonesia has not paid enough attention to quality aspects. The research conducted for this initiative uses a quantitative approach rooted in the positivistic paradigm. A quantitative approach is a research methodology rooted in positivism, which is used to investigate a specific population or sample. Data collection in this approach involves the use of research instruments, whereas data analysis is mostly quantitative and statistical in nature, with the main objective of testing pre-established hypotheses. In the context of the Integrated Madrasah Ibtidaiyah in Purwakarta Regency, it is known that the Principal's Leadership, Organizational Culture, and Work Motivation together have a significant influence on teacher performance, accounting for 87.00% of the total impact. The remaining 13.00% was associated with other variables that were not studied in this study but were known to affect teacher performance.
The Concept of Wages and Its Application: Analysis of the Ijarah and Ju’alah Contracts in Sharia Economic Institutions Dudang Gojali; Iwan Setiawan; Muhamad Izazi Nurjaman
Jurnal Hukum Islam Vol 20 No 2 (2022)
Publisher : Faculty of Sharia, Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jhi.v20i2.5833

Abstract

This research is motivated by the concept of wages originating from ijarah contracts more widely used in Islamic Economic Institutions than wages derived from ju'alah contracts. While the two contracts are contracts that cause the provision of wages. Therefore, this study will describe the application of the concept of wages to ijarah and ju'alah contracts at the Islamic Economic Institution. This research is a secondary research with a literature study method whose data comes from various literatures through a normative juridical approach. This research is a type of qualitative research with technical data analysis through three stages, namely reducing data, presenting data and drawing conclusions. The results of this study reveal the fact that the concept of wages that is widely used in Islamic economic institutions is wages derived from ijarah contracts. This is because the legal consequences that have the concept of justice are that wages are based on the amount and results that have been completed, rather than wages derived from the ju'alah contract which will be given when a job can be completed perfectly. Therefore, the concept of wages is more identical to the ijarah contract for service benefits, so that there is a development of the meaning of ujrah in the form of wages and rental prices in accordance with the object of the contract exchanged in the ijarah contract.
IMPLEMENTASI KEBIJAKAN SEKOLAH TERBUKA DI SMP TERBUKA 1 PANGATIKAN KABUPATEN GARUT Misbahudin Misbahudin; Iwan Setiawan; Muhammad Nurcholis
Gunung Djati Conference Series Vol. 36 (2023): Annual Islamic Education Management Conference 2023
Publisher : UIN Sunan Gunung Djati Bandung

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Abstract

Penelitian ini bertujuan untuk mendeskripsikan implementasi kebijakan sekolah terbuka di SMP Terbuka 1 Pangatikan Kabupaten Garut. Penelitian ini merupakan penelitian deskriptif kualitatif dengan subyek Kepala Sekolah, Wali Kelas dan Guru, dan Siswa. Teknik pengumpulan data menggunakan teknik wawancara, observasi dan dokumentasi. Analisis data dengan reduksi data, penyajian data dan kesimpulan. Uji keabsahan data menggunakan triangulasi sumber dan triangulasi teknik. Hasil penelitian menunjukkan bahwa: 1) Karakteristik masalah belum semua masyarakat memperoleh pendidikan dasar 9 tahun, banyak anak yang putus sekolah karena ekonomi orang tua yang rendah, di sisi lain mereka mempunyai keterbatasan waktu sehingga tidak dapat sekolah; 2) pengaruh lingkungan kebijakan seperti fasilitas yang diberikan perangkat desa, lingkungan yang kondusif, strategi dan adanya sekolah reguler; 3) Proses pembelajaran terlihat pasif. Saat proses pembelajaran berlangsung siswa sering membuat suasana kelas tidak kondusif. Strategi dan metode pembelajaran yang digunakan menggunakan metode ceramah, banyak memberikan tugas dan praktik; 4) Hasil belajar yang diperoleh berupa prestasi secara akademik maupun non akademik.
Analysis of International Trade Liberalisation In The Perspective of Islamic Economic Law Justice Royani Royani; Iwan Setiawan
Asian Journal of Social and Humanities Vol. 2 No. 8 (2024): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i8.301

Abstract

International trade is a process of exchange based on the voluntary will of each country. The motive is to gain from trade. International trade and Islamic economics are two things that overlap in influencing the economic growth of a country. In the perspective of Islamic economics, these two aspects have an important role in achieving the goal of falah (prosperity) in this world and the hereafter. This research examines the effect of international trade and the shariah economy on economic growth in the perspective of Islamic economics. The analysis is conducted by reviewing the concepts and principles of Islamic economics related to international trade activities and the application of the Shariah economy. The results show that international trade based on Islamic economic principles, such as justice, balance, and benefit, can make a positive contribution to economic growth. Meanwhile, the application of shariah economy that prioritises spiritual values and Islamic business ethics can create a conducive investment climate and encourage sustainable economic growth. Trade is a very important economic activity today, so there are no countries in the world that are not involved in trade, either inter-regional, inter-regional, or inter-country trade. While trade liberalisation or free trade is a condition in which a country conducts trade between countries without any barriers. This research is descriptive qualitative with literature study. Based on the above study, it can be concluded that the perspective of Islamic law related to international trade liberalisation is a liberal economic system that will lead to social inequality and can endanger the stability of economic security in accordance with the Islamic concept based on the principles of justice, honesty, recognition of performance and hard work, humanism, and non-centralisation.