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Al-Iktisab: Journal of Islamic Economic Law
Published by Universitas Darussalam Gontor
ISSN : 25804251     EISSN : 2615661X     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
Al-Iktisab: Journal of Islamic Economic law is a peer reviewed journal published by University of Darussalam (UNIDA) Gontor. The journal is semi-annual journal issued on May and November. The aims of the journal is to explore and develop economics related to Islamic laws that cover issues both from Indonesia and overseas. Moreover, the editor accepts final manuscripts that have not been sent to other journal for publication. Those interested in subscribing to the Journal, advertising in the Journal, submitting manuscripts to the Journal, or otherwise communicating with the Journal, should contact at aliktisab@unida.gontor.ac.id.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 87 Documents
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A Historical Review of the Development of the Islamic Banking System (An Analytical Study) Novan Fatchu Alafianta; Muhammad Abdul Aziz; Jaya Sahputra
AL- IKTISAB Journal of Islamic Economic Law Vol 5, No 2 (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.v5i2.6799

Abstract

This paper tries to investigate the historical development of Islamic banking in the world. The formation of Islamic banking was inspired by the incompatibility between conventional banks and Islamic teachings based on the Qur'an and al-Hadith. Islamic economists are trying to replace and improve the traditional system of banking that has developed rapidly with the Islamic banking system. The establishment of Mit Ghamr marked the emergence of Islamic banking. Since then, many Islamic banks have been established and have proliferated. The primary purpose of this study is to analyze and determine the historical development of the Islamic banking system in various countries. Thus, this research can provide further information for Muslim economic actors as a guide in carrying out economic activities, especially those related to banking. This study using the historical analysis method and at the end of this paper, confirm that the Islamic banking system was preceded by applying a profit-sharing approach to avoid interest in banking. The development of Islamic banks cannot be separated from the efforts made by the Organization of the Islamic Conference (OIC), which since 1970 has issued many recommendations and encouraged its member countries to improve the people's economy in their respective countries. Then, Islamic banks developed in various countries, including Pakistan, Egypt, Iran, Cyprus, Kuwait, Bahrain, United Arab Emirates, Malaysia, Turkey, and Indonesia.
Sharia Economic Views on Tabzir Behavior Daud Sukoco; May Shinta Retnowati; Azidni Rofiqa; Muhammad Irkham Firdaus; Devid Frastiawan Amir Sup
AL- IKTISAB Journal of Islamic Economic Law Vol 5, No 2 (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.v5i2.7032

Abstract

Tabzir behavior is a form of deviation in economic behavior, especially consumption. The purpose of this study is to describe the concept of tabzir in Islamic economic studies and to provide an ideal behavioral offer for consumer behavior. The research method used is qualitative-descriptive-library. Data were collected by documentation method, then processed by data editing and compilation method. Next, the analysis process was carried out by deduction method using the concept of tabzir in Islamic economic studies. Conclusions drawn from this study. First, tabzir behavior is a form of malpractice and deviation in economic behavior, especially in consumption. Second, the law of tabzir behavior for certain definitions is haram. Third, the wisdom avoid of  tabzir behavior is to build an awareness of collective solidarity, avoid debt, disorientation of  life  loss of critical power and economic education. The social concept about consumption based on sharia is a  social care which concern on tauhid  and love for fellow human beings, thus forming a just and civilized society.
Implementation of the Qardh Agreement on the Financial Technology Lending Platform in the Development of Small and Medium Enterprises (SME) in Indonesia Muhammad Irkham Firdaus; M. Akhlis Azamuddin Tifani; Sri Firda Rahmi Aliya Putri; Zulfikri Zulfikri
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 1 (2022): 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.v6i1.7774

Abstract

Financial technology is a new financial innovation that has an important role in the development of the national economy. The convenience offered is the main attraction among the people. besides that it also has a very high impact on the development of Small and Medium Enterprises (SME). However, the system applied is the same as the conventional financial system, such as the interest system on online loans. Although innovative and helpful, the interest system applied is the same as a loan from a loan shark, where the interest given is very burdensome. So in this study, we discuss the implementation of qardh contracts on the financial technology lending platform, and how it affects the development of SME. This type of research is library research, which is research conducted by collecting data from various literature books, journals, website writings, magazines, laws, fatwas, or from various writings. The approach used in this research is qualitative, where the research procedure uses descriptive data in the form of written words. The researcher will explain the terms and elements that must be met in implementing the qardh contract on the peer to peer lending platform. The result is, the implementation of qardh contracts on financial technology lending platforms should avoid the various elements namely riba, gharar, maysir, tadlis, dharar, zhulm, and haram. If in practice all these elements are avoided, it will facilitate all actors of SME. Where the perpetrator will not be stuck in huge debt because of interest, and avoid ambiguity and fraud that will be to the detriment of one party. In addition, the existence of the qardh contract based financial technology loan platform will make it easier for SME actors to obtain loans or capital to develop their SME.Financial technology (fintech) merupakan inovasi keuangan baru yang memiliki peran penting dalam pembangunan perekonomian nasional. Kenyamanan yang ditawarkan menjadi daya tarik tersendiri bagi masyarakat. selain itu juga berdampak sangat tinggi terhadap perkembangan Usaha Kecil Menengah (UKM). Namun sistem yang diterapkan sama dengan sistem keuangan konvensional, seperti sistem bunga pinjaman online. Meski inovatif dan membantu, sistem bunga yang diterapkan sama seperti pinjaman dari rentenir, di mana bunga yang diberikan sangat memberatkan. Maka dalam penelitian ini, kami membahas implementasi akad qardh pada platform fintech lending, dan bagaimana pengaruhnya terhadap perkembangan UKM. Jenis penelitian ini adalah penelitian kepustakaan, yaitu penelitian yang dilakukan dengan mengumpulkan data dari berbagai literatur buku, jurnal, tulisan website, majalah, undang-undang, fatwa, atau dari berbagai tulisan. Pendekatan yang digunakan dalam penelitian ini adalah kualitatif, dimana prosedur penelitian menggunakan data deskriptif berupa kata-kata tertulis. Peneliti akan menjelaskan syarat dan unsur yang harus dipenuhi dalam pelaksanaan akad qardh pada platform peer to peer lending. Hasilnya, pelaksanaan akad qardh pada platform fintech lending harus menghindari berbagai unsur yakni riba, gharar, maysir, tadlis, dharar, zhulm, dan haram. Jika dalam praktiknya semua elemen tersebut dihindari, maka akan memudahkan semua pelaku UKM. Di mana pelaku tidak akan terjerat hutang yang besar karena bunga, serta terhindar dari kerancuan dan penipuan yang akan merugikan salah satu pihak. Selain itu, dengan adanya platform pinjaman fintech berbasis akad qardh akan semakin memudahkan para pelaku UKM untuk mendapatkan pinjaman atau modal untuk mengembangkan UKM-nya.
Investing in the Afterlife as a Bridge to Financial Freedom (Study on Pekalongan City BWI Representative) Hidayatul Sibyani; Fitri Mukarromah; Hendri Hermawan Adinugraha; Muhammad Shulthoni
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 1 (2022): 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.v6i1.7329

Abstract

Most people believe that financial independence has a large amount of money, goods, and assets. What is meant by financial independence is not only having a lot of money, goods, and assets, but the magnitude is in the financial goals that must be met. However, people who care about the hereafter will assume that whatever they do is compatible with happiness in the afterlife. This research uses empirical studies and descriptive analysis in the form of a mixture of field research and library research conducted using qualitative research strategies. This research uses primary data obtained from interviews and direct observations at the Indonesian Waqf Board of Pekalongan city, as well as secondary data obtained from publications, books, internet, previous research, and other relevant reference sources. The technique used in primary data collection is through interviews with related parties and direct observation in the field. The results of this research are as a Muslim who is oriented to the afterlife, there is awareness for Muslims who have assets that are considered valuable and have been calculated when the object is donated will not harm their family as Islamic teachings that cash waqf. A beloved treasure is a charity that will not harm his family break up because it will help him when experiencing difficulties in the hereafter and the urgency of this waqf, the property belongs to Allah and must be returned to Allah for the benefit of others. All activities are fully entrusted to the head of BWI Pekalongan city.Kebanyakan orang percaya bahwa kemandirian finansial memiliki sejumlah besar uang, barang, dan aset. Yang dimaksud dengan kemandirian finansial bukan hanya memiliki banyak uang, barang, dan aset, tetapi besarnya ada pada tujuan finansial yang harus dipenuhi. Namun, orang-orang yang peduli pada akhirat akan menganggap bahwa apapun yang mereka lakukan itu sesuai dengan kebahagiaan di akhirat. Penelitian ini menggunakan studi empiris dan analisis deskriptif berupa campuran penelitian lapangan dan penelitian kepustakaan yang dilakukan dengan menggunakan strategi penelitian kualitatif. Penelitian ini menggunakan data primer yang diperoleh dari wawancara dan observasi langsung di Badan Wakaf Indonesia kota Pekalongan, serta data sekunder yang diperoleh dari publikasi, buku, internet, penelitian terdahulu, dan sumber referensi lain yang relevan. Teknik yang digunakan dalam pengumpulan data primer adalah melalui wawancara dengan pihak terkait dan observasi langsung di lapangan. Hasil dari penelitian ini adalah sebagai seorang Muslim yang berorientasi pada akhirat, ada kesadaran bagi umat Islam yang memiliki harta yang dianggap berharga dan telah diperhitungkan ketika benda tersebut dihibahkan tidak akan merugikan keluarganya sebagaimana ajaran Islam yaitu wakaf uang. Harta yang dicintai adalah sedekah yang tidak akan merugikan keluarganya karena akan membantunya ketika mengalami kesulitan di akhirat, dan pentingnya wakaf ini, harta itu milik Allah dan harus dikembalikan kepada Allah untuk kepentingan orang lain. Seluruh kegiatan dipercayakan sepenuhnya kepada kepala BWI kota Pekalongan.
The Concept of Minimum Wage for Workers in Law No. 11/2020 in the Perspective of Fiqh Muamalah Teguh Eka Prasetya; Saipul Nasution; Muhammad Irkham Firdaus; Muhammad Fakhri Rasyadi
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 1 (2022): 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.v6i1.7554

Abstract

Law No. 11/2020 on Copyright of Works is a change from Law No. 13/2003 on Employment. The law was passed in 2020. In its ratification, many employees disagreed with some of the articles contained in the law, one of them is Article 89 Paragraph (1) which discusses the minimum wage. Employees do not agree with this article because of the change of the provincial minimum wage to the provincial minimum wage and the district/city minimum wage. It is feared that changes in the minimum wage will create injustice between workers and employers. The purpose of this research is to know and analyze the concept of minimum wage of employees working in Law No. 11/2020 which is guided by fiqh muamalah. The method used in this research is a kind of normative juridical study or literature by taking a statutory and conceptual approach in fiqh muamalah by examining documents through some data to analyze the concept of minimum wage of employees in Law No. 11/2020. The result is that in determining the size of the minimum wage based on employee welfare, Law No. 11/2020 does not correspond to what is described in fiqh muamalah. The researcher suggest that the data used in determining the minimum wage based only on economic growth and inflation must be conditional. Because basically, not all employees can meet their basic needs by setting such a minimum wage.UU No. 11/2020 tentang Cipta Kerja merupakan perubahan dari UU No. 13/2003 tentang Ketenagakerjaan. Undang-undang tersebut disahkan pada tahun 2020. Dalam pengesahannya, banyak tenaga kerja yang tidak setuju dengan beberapa pasal yang terdapat dalam undang-undang tersebut, salah satunya adalah Pasal 89 Ayat (1) yang membahas tentang upah minimum. Tenaga kerja tidak setuju dengan pasal ini karena adanya perubahan upah minimum provinsi menjadi upah minimum provinsi dan upah minimum kabupaten/kota. Perubahan upah minimum dikhawatirkan akan menimbulkan ketidakadilan antara tenaga kerja dan pengusaha. Tujuan penelitian ini adalah untuk mengetahui dan menganalisis konsep upah minimum tenaga kerja yang bekerja dalam UU No. 11/2020 yang berpedoman pada fiqh muamalah. Metode yang digunakan dalam penelitian ini adalah jenis studi yuridis normatif atau kepustakaan dengan mengambil pendekatan hukum dan konseptual dalam fiqh muamalah dengan menelaah dokumen melalui beberapa data untuk menganalisis konsep upah minimum tenaga kerja dalam UU No. 11/2020. Hasilnya adalah, dalam penentuan besaran upah minimum berdasarkan kesejahteraan tenaga kerja, UU No 11/2020 tidak sesuai dengan apa yang dijelaskan dalam fiqh muamalah. Peneliti menyarankan agar data yang digunakan dalam penentuan upah minimum hanya berdasarkan pertumbuhan ekonomi dan inflasi harus bersyarat. Karena pada dasarnya tidak semua tenaga kerja dapat memenuhi kebutuhan dasarnya dengan menetapkan upah minimum tersebut.
Al-Maqrizi's Inflation Concepts and Proof for the East Java Inflation Case 2015-2020 Abdul Latif Rizqon; Teguh Eka Prasetya; Mahendra Utama Cahya Ramadhan; Shofiyatul Habibah
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 1 (2022): 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.v6i1.7608

Abstract

The standard of individual and collective life in a nation state has become economic life, and inflation is one of present economic problems, particularly in monetary matters. When compared to other provinces in the Java region, East Java had the highest inflation rate. The purpose of this research is to discuss the thinking on inflation in East Java from 2015 to 2020 from Taqiyuddin Abul Abbas Al-Husaini's from Maqorizah, Cairo, or more commonly known as Al-Maqrizi. This research is library research. The method used is a descriptive and inductive analysis method, in which thought is analyzed using data and the role of Al-Maqrizi's thinking on inflation is examined. The analysis indicate that the circulation of money, the existence of state debt, exchange rates, production costs, excessive taxes, corruption, collusion and nepotism, increased currency circulation, and increased demand were the causes of inflation in East Java. This is exactly what Al-Maqrizi says in several parts of his book, which clearly says that inflation is generally divided into two types, natural inflation and human error inflation. Al-Maqrizi's views on inflation in East Java advocated for the government to use the central bank to control the money supply or interest rates as a tool for price control. Furthermore, the central bank is required to control the exchange rate of the domestic currency. Based on this analysis, the researcher advises the East Java government to take precedence an economic step, namely Islamic philanthropy. This Islamic social financial instrument is a component that can provide assistance to economically disadvantaged communities in the short to long term.Standar kehidupan individu dan kolektif dalam suatu negara telah menjadi bagian dari kehidupan ekonomi, dan inflasi merupakan salah satu masalah ekonomi saat ini, terutama dalam masalah moneter. Jika dibandingkan dengan provinsi lain di wilayah Jawa, Jawa Timur memiliki tingkat inflasi yang paling tinggi. Tujuan dari penelitian ini adalah untuk membahas pemikiran tentang inflasi di Jawa Timur dari tahun 2015 hingga 2020 dari Taqiyuddin Abul Abbas Al-Husaini dari Maqorizah, Kairo, atau yang lebih dikenal dengan Al-Maqrizi. Penelitian ini merupakan penelitian kepustakaan. Metode yang digunakan adalah metode analisis deskriptif dan induktif, di mana pemikiran dianalisis dengan menggunakan data dan mengkaji peran pemikiran Al-Maqrizi terhadap inflasi. Hasil analisis menunjukkan bahwa peredaran uang, adanya utang negara, nilai tukar, biaya produksi, pajak yang berlebihan, korupsi, kolusi dan nepotisme, peredaran uang yang meningkat, dan permintaan yang meningkat menjadi penyebab inflasi di Jawa Timur. Hal ini persis seperti yang dikatakan Al-Maqrizi dalam beberapa bagian bukunya, yang secara gamblang menyebutkan bahwa inflasi secara umum terbagi menjadi dua jenis, inflasi alamiah dan inflasi kesalahan manusia. Pandangan Al-Maqrizi tentang inflasi di Jawa Timur menganjurkan agar pemerintah menggunakan bank sentral untuk mengendalikan jumlah uang beredar atau suku bunga sebagai alat pengendalian harga. Selanjutnya, bank sentral diharuskan untuk mengontrol nilai tukar mata uang domestik. Berdasarkan analisis tersebut, peneliti menyarankan kepada pemerintah Jawa Timur untuk mengutamakan langkah ekonomi yaitu filantropi Islam. Instrumen keuangan sosial Islam ini merupakan komponen yang dapat memberikan bantuan kepada masyarakat yang kurang mampu secara ekonomi dalam jangka pendek hingga jangka panjang.
The Basic Concepts of Preparation and Presentation of Islamic Financial Statements Dini Puspitasari; Siti Nurul Muhlisah; Meichio Lesmana; Muhamad Kharis Tambusai
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 1 (2022): 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.v6i1.7323

Abstract

The potential of Islamic banking continues to be enhanced to build a national sharia economic ecosystem, it's can contribute optimally to the national economy and social development. Operational principles and accounting standards are one of the foundations for progress in Islamic banking. An overview of the pros and cons of Islamic banking can be identified through its performance which is reflected in the financial statements. The focus of this paper is on the preparation and presentation of Islamic financial statements along with a comparison of financial statements between sharia and conventional, in which conventional financial statements contain fewer elements of financial statements. This type of research is library research which analyzes data with descriptive analysis. The results of this research indicate that Islamic financial statements are not only related to commercial aspects but also cover all aspects of human life, be it economic, political, social, or moral philosophy. In addition to reflecting Islamic banking activities, the Islamic financial statement also divides its rights and obligations as reported in the statement of financial position (balance sheet), income statement, cash flow statement, and changes in equity. But it also reflects as a mandate holder of social activity funds that are managed separately, which is reported in the report on the source and use of zakat funds and the report on the source and use of benevolent funds (qardhul hasan).Potensi perbankan syariah terus ditingkatkan untuk membangun ekosistem ekonomi syariah nasional, sehingga dapat berkontribusi secara optimal dalam perekonomian nasional dan pembangunan sosial. Prinsip-prinsip operasional dan standar akuntansi menjadi salah satu dasar kemajuan perbankan syariah. Gambaran tentang baik dan buruknya suatu perbankan syariah dapat dikenali melalui kinerjanya yang tergambar dalam laporan keuangan. Fokus tulisan ini adalah tentang penyusunan dan penyajian laporan keuangan syariah berikut dengan perbandingan laporan keuangan antara syariah dan konvensional. Jenis penelitian ini adalah penelitian kepustkaan (library research) dengan analisis data berupa metode deskriptif. Hasil penelitian ini menunjukkan bahwa laporan keuangan syariah merupakan laporan keuangan yang tidak hanya berhubungan dengan aspek komersial, tetapi juga mencangkup seluruh aspek kehidupan umat manusia, baik ekonomi, politik, sosial, dan filsafat moral. Laporan keuangan syariah selain mencerminkan kegiatan perbankan syariah yang membagi hak dan kewajibannya seperti yang dilaporkan dalam laporan posisi keuangan (neraca), laporan laba rugi, laporan arus kas, dan laporan perubahan ekuitas, juga mencerminkan sebagai pemegang amanah dana kegiatan sosial yang dikelola secara terpisah dan dilaporkan dalam laporan sumber dan penggunaan dana zakat dan laporan sumber dan penggunaan dana kebajikan (qardhul hasan).
The Merger of Indonesian Islamic Banks: Impact on the Islamic Economy Development Mohammad Ghozali; Norazzah Binti Kamri; M. Ali Zi Khafid
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 1 (2022): 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.v6i1.7551

Abstract

The development of Islamic banking and financial institutions in Indonesia is getting better from year to year. This development is a benchmark for the success of the Islamic economy. To become a new economic force in Indonesia, the Minister of State Owned Enterprises stated that there are plans to merge state owned Islamic banks namely BRI Syariah, BNI Syariah, and Bank Syariah Mandiri, as the total assets of Islamic banks will increase and become larger in Indonesia. This research aims to determine the impact of the merger of three Indonesian Islamic banks in the development of the Islamic economy. The research employed a qualitative method with a library research approach. The results have shown that the merger of three Islamic banks consisting of Bank BRI Syariah, Bank BNI Syariah, and Bank Syariah Mandiri into Bank Syariah Indonesia (BSI) has positive impacts on the Islamic economy development in Indonesia. Firstly, the increase in banking capital as a result of the merger of the three banks, the increase in economic activity in the field of Islamic capital markets, the promotion of the halal system in all service activities in banking. Secondly, the merger still allows customers to transact using their old accounts from their respective banks throughout the transaction period starting from e-Money, Tapcash, Brizzi, and or card based electronic money. Thirdly, all employees of the three banks are still employees of BSI and there are no layoffs despite the merger of three Islamic banks, and BSI opens talent development programs to all Indonesians to prepare Islamic bank leaders in the future. Fourthly, BSI created a talent development program for the Indonesian community to increase literacy and understanding of Islamic economics and work with economists and Islamic institutions to support the program, promote Islamic economic development by accelerating the completion of the halal value chain.Perkembangan perbankan dan lembaga keuangan syariah di Indonesia semakin baik dari tahun ke tahun. Perkembangan ini menjadi tolak ukur keberhasilan ekonomi syariah. Untuk menjadi kekuatan ekonomi baru di Indonesia, Menteri Badan Usaha Milik Negara menyatakan rencana untuk menggabungkan bank syariah milik negara yaitu BRI Syariah, BNI Syariah, dan Bank Syariah Mandiri, karena total aset bank syariah akan meningkat dan menjadi lebih besar di Indonesia. Penelitian ini bertujuan untuk mengetahui dampak merger tiga bank syariah Indonesia terhadap perkembangan ekonomi syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan penelitian kepustakaan. Hasil penelitian menunjukkan bahwa penggabungan tiga bank syariah yang terdiri dari Bank BRI Syariah, Bank BNI Syariah, dan Bank Syariah Mandiri ke dalam Bank Syariah Indonesia (BSI) berdampak positif bagi perkembangan ekonomi syariah di Indonesia. Pertama, peningkatan permodalan perbankan akibat penggabungan ketiga bank tersebut, peningkatan kegiatan ekonomi di bidang pasar modal syariah, promosi sistem halal dalam semua kegiatan pelayanan di perbankan. Kedua, penggabungan masih memungkinkan nasabah untuk bertransaksi menggunakan rekening lama dari bank masing-masing selama periode transaksi mulai dari e-Money, Tapcash, Brizzi, dan atau uang elektronik berbasis kartu. Ketiga, seluruh pegawai ketiga bank tersebut masih pegawai BSI dan tidak ada PHK meskipun tiga bank syariah telah bergabung, dan BSI membuka program pengembangan talenta kepada seluruh masyarakat Indonesia untuk mempersiapkan pemimpin bank syariah di masa depan. Keempat, BSI membuat program pengembangan talenta bagi masyarakat Indonesia untuk meningkatkan literasi dan pemahaman ekonomi syariah serta bekerjasama dengan para ekonom dan lembaga syariah untuk mendukung program tersebut, mendorong pengembangan ekonomi syariah dengan mempercepat penyelesaian rantai nilai halal.
Stock Investment with Scalping Trading Method in Islamic Law Perspective Muhammad Subhi Apriantoro; Bagas Anuraga; Hawanda Choirunnisa Akbar; Rozi Irfan Rosyadhi
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 2 (2022): 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.v6i2.8269

Abstract

This research is helpful to provide knowledge and reference sources on how to invest in stocks with a scalping trading strategy based on Islamic law, and investors can use it as the basis of Islamic law when investing in stocks with a scalping trading system. This research aims to determine how to invest in stocks using the scalping trading method and how to review Islamic law regarding scalping trading stock investment practices. This research used qualitative method, combines a deductive strategy with a descriptive approach to comprehensively represent the transaction process based on Islamic law. The supporting source for this research is derived from books, journals, and previous research. According to the findings of this research, the practice of investing in stocks using the scalping trading method is prohibited if stock transactions do not involve Islamic stocks. The stock transactions are based on an individual's advice and do not utilize the Sharia Online Trading System (SOTS). However, it is acceptable if the scalper analyses the stock transaction beforehand. This research suggests that people who wish to invest in stocks using the scalping method should use an account or system based on the Sharia Online Trading System (SOTS) and classify their stocks as Islamic stocks to avoid engaging in prohibited practices under Islamic law.Penelitian ini bermanfaat untuk memberikan pengetahuan dan sumber referensi tentang cara berinvestasi saham dengan strategi perdagangan scalping berdasarkan hukum Islam, dan investor dapat menggunakannya sebagai dasar hukum Islam ketika berinvestasi pada saham dengan sistem perdagangan scalping. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana praktik investasi saham dengan metode perdagangan scalping dan bagaimana tinjauan hukum Islam terhadap praktik investasi saham dengan metode perdagangan scalping. Penelitian ini menggunakan metode kualitatif, dengan pendekatan deduktif-deskriptif untuk memberikan representasi secara utuh sehingga proses transaksi berdasarkan hukum Islam dapat direpresentasi secara integral. Sumber referensi dari penelitian ini bersumber dari buku, jurnal, dan penelitian terdahulu sebagai pendukung penelitian. Hasil dalam penelitian ini adalah praktik investasi saham dengan metode perdagangan scalping dilarang jika transaksi saham tidak termasuk dalam saham syariah. Transaksi saham yang dilakukan mengikuti rekomendasi dari pihak tertentu dan tidak menggunakan Syariah Online Trading System (SOTS). Namun, diperbolehkan jika scalper terlebih dahulu melakukan analisa terhadap transaksi saham. Penelitian ini menyarankan agar masyarakat yang ingin berinvestasi saham dengan metode perdagangan scalping hendaknya menggunakan akun atau sistem yang berdasarkan Syariah Online Trading System (SOTS) serta mengklasifikasikan saham kedalam kategori saham syariah agar terhindar dari praktik yang dilarang oleh syariat Islam.
The Role of Sharia Ta'awun Cooperative in Empowering the Community Economy (Case Study of Sharia Ta'awun Cooperative Klaten Regency) Darlin Rizki; Fauzul Hanif Noor Athief; Ricka Agustina; Arum Brawijaya Putri
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 2 (2022): 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.v6i2.8400

Abstract

This research aims to determine the role of sharia ta'awun cooperatives in community economic empowerment and to find out the opportunities and challenges that exist in sharia ta'awun cooperatives. This type of research is field research, which is carried out using qualitative research. This research method obtains data by means of interviews, documentation, and voice recordings. This research was conducted at the Sharia Ta'awun Cooperative, Klaten Regency. Sources of data used are primary data and secondary data. The data analysis technique used is descriptive qualitative type using a deductive mindset, namely by comparing theory with case studies from the field. The result of this research is the role of sharia ta'awun cooperatives in empowering the community's economy, namely by lending business capital to people in need in order to meet the needs of people's lives and achieve community welfare. While the opportunity in sharia ta'awun cooperative is to provide capital loans and also provide SHU for members who have long been established. In addition, the challenges faced by sharia ta'awun cooperatives are the lack of understanding of the sharia system applied by these cooperatives and the large number of conventional banks that now offer capital loans at low-interest rates.Penelitian ini bertujuan untuk mengetahui peran koperasi syariah ta'awun dalam pemberdayaan ekonomi masyarakat serta untuk mengetahui peluang dan tantangan yang ada pada koperasi syariah ta'awun. Jenis penelitian ini adalah penelitian lapangan, yang dilakukan dengan menggunakan penelitian kualitatif. Metode penelitian ini memperoleh data dengan cara wawancara, dokumentasi, dan rekaman suara. Penelitian ini dilakukan di Koperasi Syariah Ta'awun Kabupaten Klaten. Sumber data yang digunakan adalah data primer dan data sekunder. Teknik analisis data yang digunakan adalah tipe deskriptif kualitatif dengan menggunakan pola pikir deduktif, yaitu dengan membandingkan teori dengan studi kasus dari lapangan. Hasil dari penelitian ini adalah peran koperasi syariah ta'awun dalam pemberdayaan ekonomi masyarakat yaitu dengan meminjamkan modal usaha kepada masyarakat yang membutuhkan guna memenuhi kebutuhan hidup masyarakat dan mencapai kesejahteraan masyarakat. Sedangkan peluang dalam koperasi syariah ta'awun adalah memberikan pinjaman modal dan juga memberikan SHU bagi anggota yang telah lama berdiri. Selain itu, tantangan yang dihadapi oleh koperasi syariah ta'awun adalah kurangnya pemahaman tentang sistem syariah yang diterapkan oleh koperasi tersebut dan banyaknya bank konvensional yang sekarang menawarkan pinjaman modal dengan suku bunga rendah.

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