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All Journal ULUL ALBAB Al-Ahkam IJTIHAD Islamic Ecomonics Journal MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Ziswaf : Jurnal Zakat dan Wakaf Al-Mustashfa Al-Iktisab: Journal of Islamic Economic Law TSAQAFAH EKUITAS (Jurnal Ekonomi dan Keuangan) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Al-Istinbath: Jurnal Hukum Islam
Mulyono Jamal
Fakultas Syariah, Universitas Darussalam Gontor Ponorogo
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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التحالف السياسي بين الأحزاب السياسية وعلاقته بالدعوة الإسلامية في إندونيسيا ملبونو جمال وسويوتو عارف Jamal, Mulyono; Arief, Suyoto
Ijtihad : Jurnal Hukum dan Ekonomi Islam Vol 11, No 1 (2017)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/ijtihad.v11i1.1259

Abstract

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Analisis Pelaksanaan Wakaf di Kuwait Nur Azizah Latifah; Mulyono Jamal
ZISWAF Vol 6, No 1 (2019): ZISWAF : Jurnal Zakat dan Wakaf
Publisher : State Islamic Institute of Kudus (IAIN Kudus)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (583.36 KB) | DOI: 10.21043/ziswaf.v1i1.5607

Abstract

This Waqf in Kuwait is an endowment which is as old as the existence of Kuwaiti culture, the main purpose of this writing is to explore the implementation of waqf in Kuwait from the perspective of Endowments Jurisprudence by seeing the progress of waqf in Kuwait and with all its developments. The study method used in discussing this problem is literature research. The data in this study were obtained using the documentary method, to look for data on the implementation of waqf in Kuwait sourced from books, journals, the internet, and Papers. Kuwait has a strategy in developing waqf that is used effectively by developing waqf assets productively through various investment channels and distributing the results according to the conditions set by the waqif and making suitable waqf programs to improve the quality of existing Waqf Institutions so that Kuwait can progress and developed with effective waqf management and played an important role in the development of the Kuwaiti State.
MEKANISME PENANGGULANGAN PEMBIAYAAN BERMASALAH PADA AKAD MURABAHAH Mulyono Jamal; Ayu Ruqoyah
Islamic Economics Journal Vol 2, No 2 (2014)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.826 KB) | DOI: 10.21111/iej.v2i2.176

Abstract

The rise of Islamic economic has established the development of Islamic banking. This indicates that Islamic banking could be competitive with conventional banking. One difference between both banking systems is in lending operation. In conventional bank known as credit, while in Islamic bank known as financing. For certain, financing procedures in Islamic banking refer to Qur’an and Sunnah. Indeed, there are also defaults in its process, because the problems occured after the process. This research aims for knowing the factors which cause the default financing and its mechanism as performed by Bank Muamalat Indonesia (BMI) branch Sragen to solve it. To reach thus aims, the researcher uses field research with deductive explorative methods. The result from this research indicates that there are two factors which cause the default financing, internal factor and external factor. Internal factor is the factor from the customers, while the external factor is the factor from other than customers, ot because of universe. But the most imminent factor at BMI is internal factor, such as the late payment because of neglect. The mechanism runs by BMI branch Sragen is monthly data collection, monitoring and controlling, so that the financing at BMI branch Sragen chategorized as stable.
Application for Wakalah bi al-Ujrah Contract in Various Banks, Insurance, and Syariah Mutual Funds Indonesia According to Wahbah Zuhaili Mohammad Ghozali; Adinda Muftiviany Nur Jamilah; Mulyono Jamal; Iman Nur Hidayat
AL- IKTISAB Journal of Islamic Economic Law Vol 5, No 1 (2021): Al-Iktisab: Journal of Islamic Economic Law
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i1.6204

Abstract

Wakalah is one of the most frequently used transactions in insurance, mutual funds, and especially Islamic banking. Insurance is one of the economic activities that we often hear about, many of these activities, such as health insurance, education, and etc. This paper uses a literature analysis method by using journals as its primary source. According to Wahbah Zuhaili there is insurance that is allowed to do and there is insurance that is illegal to do. Basically, the purpose of the insurance is having a mutual help. So if the participant does not use the insurance premium they have been paid, this premium will be allocated to others. Until there is a help-seeking action based on sincerity. However, it will be illegal if the purpose of this insurance activity is based solely on profit. Thus, it will create a synergy that will eliminate the benefits. So this insurance being an illegal activity. which is containing five elements, there are riba, gharar, gaban, qimar, and jahalah, which can damage human benefits and harms. Then insurance activity is illegal.
Analysis of Alternative Dispute Resolution in non-litigation dispute resolution on Islamic Mortgage: at the Ombudsman Institution Yogyakarta Mulyono Jamal; Akhmad Afandi Mahfudz; Syamsuri Syamsuri; Resi Handayani
TSAQAFAH Vol 17, No 1 (2021): Islamic Education
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v17i1.6760

Abstract

Limited information, experience, and very low economic conditions are the background of business dispute cases, especially in Islamic mortgages. Business dispute cases, including Islamic mortgage, have so far been resolved using non-litigation settlements using Alternative Dispute Resolution (ADR), it is considered easier, does not incur expensive costs, is familial, and achieves the goal of dispute resolution, namely win-win solutions. Settlement of disputes using this method has been regulated in Law Number 30 of 1999 concerning arbitration and alternative dispute resolution. In this case, the Yogyakarta Ombudsman as one of the non-litigation institutions also takes part in resolving disputes non-litigation. This study aims to analyze the method used, namely alternative dispute resolution in resolving disputes over sharia mortgage loans. Finally, this research finds that in the process of resolving disputes over sharia mortgages with alternative dispute resolution, the method of consultation, negotiation, mediation, and expert judgment is used. The alternative dispute resolution method prioritizes peace and a win-win solution or conditions that are favorable to the parties, but in this case, the non-litigation dispute resolution method does not succeed in bringing about peace or a win-win solution.
THE CONCEPT OF WAQF FROM WORLDVIEW THEORY: The Study of Sharia-Philosophy Khasib Amrullah; Mulyono Jamal; Eko Nur Cahyo; Usmanul Khakim; Khurun'in Zahro'
ULUL ALBAB Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15694

Abstract

This article describes the structure of the waqf concept from a worldview theory perspective. Worldview is simply a fundamental belief system concerning God, reality, man and truth, ethics, etc.; which serves as a guide for human life. A person's worldview will determine his behavior and actions. The next question is what kind of belief concept makes someone willing to do waqf? This article is a literature review that employs qualitative data with a philosophical approach. The data analysis method employs content analysis of data sources from the library. The result shows that the worldview analysis on waqf is a concept that was emerging from the Islamic worldview whose emergence was supported by various other fundamental concepts such as God, Prophets, Revelation, and Sharia (religion). It proves that the structure of the waqf concept is not as simple as handing over the property to Allah for the benefit of others. The peculiarity of such waqf concept seems impossible to be affirmed by the secular Western worldview, which is unable to affirm the concept of revelation, the Prophet, and religion. It also proves that the philosophical foundation of a waqf concept built on an Islamic worldview is very consistent, solid, and even has a broad spectrum that spans the worldly and the hereafter visions simultaneously.
TA’ADDUD AL-WUKAL‘: KONSEP MULTIPLE AGENTS DALAM FIKIH MUAMALAH Mulyono Jamal; Nurul Fathonah
Muslim Heritage Vol 7, No 1 (2022): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v7i1.3777

Abstract

AbstractThis study aims to determine the concept of multi-representation in wakalah fiqh muamalah perspective and the law of delegating representatives by representatives to other people so that they become multi-layered representatives for their muwakkil or parties who give power to representatives. This takes a case study on land brokers who often look for other agents or brokers to help with their work, whether the muwakkil knows or not. This research is a qualitative descriptive using a literature approach. The result of the research is that it is allowed for a representative to find another representative even without the permission of the muwakkil on the condition that it does not violate the rules of the Shari'a, endangers the benefit of the muwakkil and aims to help the agent's work. AbstrakPenelitian ini bertujuan untuk mengetahui konsep multiwakil dalam wakalah perspektif fikih muamalah serta hukum melimpahkan perwakilan oleh wakil kepada orang lain sehingga menjadi wakil berlapis bagi muwakkil-nya atau pihak yang memberikan kuasa kepada wakil. Hal ini mengambil studi kasus pada makelar tanah yang sering mencari agen atau broker lain untuk membantu pekerjaannya baik sepengetahuan muwakkil atau tidak. Penelitian ini adalah deskriptif kualitatif dengan menggunakan pendekatan pustaka.Hasil dari penelitian adalah dibolehkan seorang wakil untuk mencari wakil lainnya meski tanpa ijin muwakkil dengan syarat tidak melanggar aturan syariat, membahayakan maslahat muwakkil dan bertujuan untuk membantu pekerjaan wakil. 
IMPLEMENTASI SHARIA COMPLIANCE PADA PROGAM PENSIUN DENGAN AKAD WAKALAH BIL UJRAH DI BANK MUAMALAT MAGELANG Mulyono Jamal; Muhamad Arief Al Hakim; Wahyudi Bakri
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 7, No 1 (2022)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v7i1.10126

Abstract

Penelitian ini bertujuan untuk mengetahui penerapan sharia compliance dalam pelaksanaan program pensiun dengan Akad Wakalah Bil Ujrah di Bank Muamalat cabang Magelang. Untuk mencapai tujuan pembahasan di atas, penelitian ini menggunakan penelitian deskriptif kualitatif. Untuk memperoleh data implementasi kepatuhan Syariah dalam pelaksanaan program pensiun akad Wakalah Bil Ujrah di Bank Muamalat cabang Magelang, peneliti menggunakan metode wawancara dan dokumentasi, serta observasi dari stakeholders. Hasil penelitian ini menunjukkan bahwa pelaksanaan program pensiun dengan akad Wakalah Bil Ujrah di Bank Muamalat telah sesuai dengan syariah, yaitu tunduk pada Fatwa DSNMUI No. 88/DSUI/XI/2013 tentang Penyelenggaraan Program Pensiun.Kata Kunci: Sharia Compliance; Program Pensiun; Wakalah Bil Ujrah
Penerapan Prinsip Kehatian Hatian ( Prudential Banking Principle ) Dalam Akad Pembiayaan Pada Perbankan Syariah Dalam Tinjauan Sadd Dzari’ah Imam Kamaluddin; Alfiansyah Topandi Harahap; Mulyono Jamal
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol 4 No 1 (2022): (Maret 2022)
Publisher : Institut Agama Islam Yasni Bungo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v4i1.426

Abstract

Penelitian ini bertujuan untuk mengetahui penerapan prinsip kehati hatian (prudential banking principle) yang terdapat di dalam hukum perbankan di Indonesia yang ditinjau dalam sadd dzari’ah. Di dalam Undang Undang Nomor 10 tahun 1998 tentang perbankan mewajibkan seluruh lembaga perbankan untuk menerapkan prinsip kehati-hatian dalam seluruh fasilitasnya baik dalam pemberian pembiayaan dan dalam aspek internal perbankan. Dalam perbankan syariah pemberian akad pembiayaan sangat diminati oleh masyarakat, namun, sejatinya akad pembiayaan sangat rentan akan risiko yang terjadi baik akan risiko eksternal maupun internal. Penelitian ini merupakan penelitian kualitatif dengan menggunakan studi kepustakaan ( library research) dengan menghasilkan suatu kesimpulan bahwasanya penerapan prinsip kehati- hatian pada sektor perbankan bertujuan untuk menjaga tingkat kesehatan bank, dengan begitu maka kondisi bank akan selalu sehat, liquid dan solvent. Karna menjaga kepercayaan masyarakat merupakan suatu keharusan yang wajib dilaksanakan oleh perbankan. Dikarenakan Sektor perbankan merupakan suatu bisnis yang menjanjikan suatu keuntungan yang besar dan penuh resiko, dibutuhkan suatu model pengelolaan yang baik dan prudent dalam setiap aktivitasnya khususnya dalam pembiayaan yang membutuhkan dana yang besar yang berasal dari tabungan maupun deposito, yang rawan akan perilaku menyimpang ( moral hazard) dan adverse selection. Oleh karena itu penerapan prinsip prudential banking principle dengan dimaksudkan untuk mencegah segala sesuatu jalan menuju kerusakan adalah sesuai dengan hukum islam dan dalam kajian ushul fiqh yaitu sadd dzari’ah.
PERAN KEUANGAN MIKRO ISLAM TERHADAP KETAHANAN PANGAN PEDESAAN BERKELANJUTAN ERA REVOLUSI 4.0 Syamsuri Syamsuri; Rusyda Afifah Ahmad; Setiawan bin Lahuri; Mulyono Jamal
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 6 No 3 (2022)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (475.193 KB) | DOI: 10.24034/j25485024.y2022.v6.i3.4807

Abstract

Makalah ini mengulas peran Lembaga Keuangan Mikro Islam (LKMI) dalam mewujudkan ketahanan pangan masyarakat pedesaan. Ketahanan pangan yang didefinisikan sebagai kondisi aman dari kelaparan atau ketersediaan makanan yang cukup, kemudahan akses dalam memperoleh makanan yang berkualitas dan bergizi, menjadi isu kajian yang terus menarik perhatian para pakar ekonomi. Hal itu karena ketahanan pangan merupakan salah satu indikator kesejahteraan dan bahkan strategi dalam menyelesaikan masalah kemiskinan. Problematika ini terus dialami masyarakat pedesaan khususnya, karena lemahnya dalam permodalan yang berdampak pada tingkat daya beli pangan. Akan tetapi pada aspek lain memberikan keuntungan bagi lembaga mikro konvensional dalam memanfaat situasai ini dengan meningkatkan suku bunga dan mengekang masyarakat menengah ke bawah. Maka, hadirnya LKMI dengan asas ta’awun melalui pembiayaan syariah dan program pemberdayaan di tengah masyarakat pedesaan layak untuk dikaji ulang karena menjadi solusi bagi masyarakat atas hambatan permodalan. Dengan menggunakan pendekatan kualitatif yang bersifat library research terhadap literatur yang berkaitan dengan keuangan mikro, dianalisa secara empiris, komparatif dan pemberian rekomendasi dengan beberapa karya teoritis, akhirnya makalah ini menyimpulkan bahwa LKMI memiliki peran dalam mewujudkan ketahanan pangan pada masyarakat pedesaan yaitu pengembangan ekonomi, adopsi teknologi baru, mekanisme pertanian yang lebih baik, peningkatan produktivitas, peningkatan standar hidup petani dan pemberantasan kemiskinan.
Co-Authors Adinda Muftiviany Nur Jamilah Akhmad Afandi Mahfudz Alfiansyah Topandi Harahap Anwar Fatoni Ayu Ruqoyah Eko Nur Cahyo Ghozali, Mohammad Haerul Akmal Hamid Fahmi Zarkasyi Hendri Setyo Wibowo Iman Nur Hidayat Khasib Amrullah Khurun'in Zahro' Khurun'in Zahro' Mohammad Hanief Sirajulhuda Muhamad Arief Al Hakim Muhammad Aunurrochim Mas'ad Saleh Nur Azizah Latifah Nurul Fathonah Resi Handayani Rusyda Afifah Ahmad Suyoto Arief Syamsuri Tesa Mellina Usmanul Khakim Wahyudi Bakri Yassinta Fitria Ramadhanty