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Share: Jurnal Ekonomi dan Keuangan Islam

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Published by Universitas Islam Negeri Ar-Raniry Banda Aceh

ISSN : 20896239 EISSN : 25490648 DOI : https://doi.org/10.22373/share

Core Subject : Religion, Economy,

Religion Economics, Econometrics & Finance

Share: Jurnal Ekonomi dan Keuangan Islam [SHARE] is a double-blind peer-reviewed journal published by the Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia. SHARE publishes research and concept papers pertaining to the field of Islamic economics and finance in open access format, which enables readers to freely access and download the articles under the CC BY SA license. Since 2017, SHARE has become a CrossRef Member, meaning that each article published by the journal will have a unique DOI number. SHARE has been indexed in many trusted indexing sites, such as DOAJ, Index Copernicus, Scilit, WorldCat, Google Scholar, Dimensions, EBSCO, and many others. In Indonesia, SHARE is listed among the top-notch journals by the Indonesian journal accreditation body officialized with the Decree of Director General of Research Strengthening and Advancement, Ministry of Research, Technology, and Higher Education, No. 21/E/KPT/2018, starting from 9 July 2018 until 9 July 2023. Currently, SHARE is under consideration for inclusion in SCOPUS.

Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)

Articles 170 Documents

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FINANCING RISK MEASUREMENT WITH MAQASHID AL-SHARIA QUALITATIVE RISK A. Syathir Sofyan; Salmah Said; Muhammad Wahyuddin Abdullah
Share: Jurnal Ekonomi dan Keuangan Islam Vol 8, No 1 (2019)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Measurement of financing risk has been dominated by quantitative methods, which insufficiently pay attention to the detailed causes of default risk. So far, the concept of mafsadah in maqashid al-sharia has never been applied in risk management. Thus, the aim of this study is to measure the risk of financing with the qualitative risk assessment method based on maqashid al-sharia by proposing the use of the mafsadah matrix. This research applies qualitative method equipped with a phenomenological approach as observed in Islamic financial institutions in Makassar. Data collection was carried out by observation and interviews with the branch heads, credit analysts, and staff of the Islamic financial institutions. Data analysis and interpretation technique are in line with Miles and Huberman analysis with three stages, namely data reduction, data presentation, and data verification. This study found that there were seventeen risk events with the level of mafsadah tahsiniyyat as many as four events, mafsadah hajiyyyat as many as four events, and mafsadah dharuriyyat as many as nine events. In addition, this research reveals that customers, indeed, fail to pay due to their bad characters and moral hazards (mafsadah dharuriyyat) resulting in liquidity problems in Islamic financial institutions. This is due to the misappropriation of credit committee approval and unresponsive handling of bad financing (mafsadah dharuriyyat) resulting in delays in Islamic financial institutions to further process financing proposals (mafsadah dharuriyyat).==============================================================================================Pengukuran Risiko Pembiayaan dengan Maqashid al-Syariah Qualitative Risk. Pengukuran risiko pembiayaan telah didominasi metode kuantitiatif yang kurang memerhatikan penyebab terjadinya default risk secara detail. Selama ini, konsep mafsadah dalam maqashid al-syariah belum pernah diaplikasikan dalam aspek manajemen risiko. Maka, tujuan penelitian ini adalah untuk mengukur risiko pembiayaan dengan metode qualitative risk assessment yang berbasis maqashid al-syariah dengan menggunakan matriks mafsadah. Penelitian ini adalah penelitian kualitatif dengan pendekatan fenomenologi pada lembaga pembiayaan syariah di Makassar. Pengumpulan data dilakukan dengan observasi dan wawancara terhadap kepala cabang, credit analyst, dan staf karyawan lembaga pembiayaan syariah. Teknik analisis dan interpretasi data menggunakan analisis Miles dan Huberman dengan tiga tahapan, yaitu reduksi data, penyajian data, dan verifikasi data. Penelitian ini menemukan terdapat tujuh belas peristiwa risiko dengan tingkatan mafsadah tahsiniyat sebanyak empat peristiwa, mafsadah hajiyat sebanyak empat peristiwa, dan mafsadah dharuriyat sebanyak sembilan peristiwa. Selain itu, penelitian ini mengungkap bahwa peristiwa nasabah gagal bayar karena karakter buruk dan moral hazard (mafsadah dharuriyat) mengakibatkan masalah likuiditas pada lembaga pembiayaan syariah. Hal ini disebabkan kekeliruan persetujuan pembiayaan oleh credit committee dan penanganan yang tidak responsif atas pembiayaan macet (mafsadah dharuriyat) berakibat keterlambatan lembaga pembiayaan syariah memeroses pengajuan pembiayaan (mafsadah dharuriyat).

HOW DOES HALAL TOURISM CONTRIBUTE TO COMMUNITY ECONOMY? THE CASES OF TSUNAMI MUSEUM AND THE PLTD FLOATING SHIP IN BANDA ACEH, INDONESIA Afriwanda Afriwanda; Sofyan Syahnur; Eddy Gunawan
Share: Jurnal Ekonomi dan Keuangan Islam Vol 9, No 2 (2020)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This study aims to measure and analyze the application of the halal concept in tourism attractions of the Tsunami Aceh Museum and the PLTD Floating Ship (Kapal Apung PLTD) sites in the Banda City, Indonesia. It also attempts to assess the contributions of halal tourism to the economy, measured by income multiplier effects. Of 1,243 halal tourism visitors, entrepreneurs surrounding the halal objects, and employees in the halal tourism sites, 93 of them were selected as the sample of the study using the proportionate stratified random sampling technique. Observation, interviews, and questionnaires were used to gather the primary data. Majority of the respondents perceived that the tourist attractions of the Tsunami Aceh Museum and the PLTD Floating Ship had implemented the halal tourism concept. The study also found that those halal tourism objects have contributed to the enhancement of the community's economic development, indicated by the Keynesian Local Income Multiplier and Ratio Income Multiplier of greater than one. To further enhance the community income surrounding the halal tourism objects, the halal tourism facilities should be well-equipped and ensured a conducive surrounding environment.========================================================================================================Bagaimana Kontribusi Pariwisata Halal terhadap Perekonomian Masyarakat? Kajian pada Museum Tsunami dan PLTD Apung Banda Aceh, Indonesia. Penelitian ini bertujuan untuk mengukur dan menganalisis penerapan konsep halal pada objek wisata Museum Tsunami Aceh dan situs Kapal Apung PLTD (Kapal Apung PLTD) di Kota Banda, Indonesia. Penelitian ini juga mencoba untuk menilai kontribusi pariwisata halal bagi perekonomian, diukur dengan efek pengganda pendapatan. Dari 1.243 pengunjung wisata halal, pengusaha di sekitar objek wisata halal, dan tenaga kerja di lokasi wisata halal tersebut, 93 orang di antaranya dipilih sebagai sampel penelitian dengan menggunakan teknik proportate stratified random sampling. Pengamatan, wawancara, dan kuesioner digunakan untuk mengumpulkan data primer. Mayoritas responden menilai tempat wisata Museum Tsunami Aceh dan Kapal Apung PLTD sudah menerapkan konsep wisata halal. Hasil penelitian juga menemukan bahwa obyek wisata halal tersebut telah memberikan kontribusi terhadap peningkatan pembangunan ekonomi masyarakat yang ditunjukkan dengan Keynesian Local Income Multiplier dan Ratio Income Multiplier lebih besar dari satu. Untuk lebih meningkatkan pendapatan masyarakat sekitar obyek wisata halal, maka sarana wisata halal harus dilengkapi dengan baik dan terjaminnya lingkungan sekitar yang kondusif.

BUILDING INTEGRATION AND INTERCONNECTION IN ISLAMIC ECONOMIC SYSTEM TO CREATE ISLAMIC SOLUTIONS IN SOLVING SOCIAL PROBLEMS Muhammad Rahman Bayumi; Rizal Alfit Jaya
Share: Jurnal Ekonomi dan Keuangan Islam Vol 7, No 1 (2018)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Social problems such as poverty, inequality, income distribution, lack of prosperity, social conflict, and others are problems that often appear in developing countries including Indonesia. As a pluralistic state, settlement of these problems cannot be resolved through a single approach, but through the use of various approaches of science, culture, and religion. There has been a lot of effort and solutions made by the government, organizations, and institutions concerned with solving problems that appear in Indonesia. However, there has been no significant impact on social problems. An appropriate approach that is perfect for creating Islamic solutions is to build integration and interconnection as an approach towards the Islamic economic system. In the approach of integration and interconnection, there are three principal characteristics. They are the semipermeable, intersubjective testability, and creative imagination. The third characteristic is some attempt to create an Islamic solution, applicable and revolutionary.===============================================Membangun Integrasi dan Interkoneksi Dalam Sistem Ekonomi Islam untuk Menciptakan Solusi Islam dalam Memecahkan Masalah Sosial - Masalah sosial seperti kemiskinan, ketidaksetaraan, distribusi pendapatan, kurangnya kemakmuran, konflik sosial, dan lain-lain adalah masalah yang sering muncul di negara berkembang termasuk Indonesia. Sebagai negara majemuk, penyelesaian masalah-masalah ini tidak dapat diselesaikan melalui pendekatan tunggal, tetapi melalui penggunaan berbagai pendekatan ilmu pengetahuan, budaya dan agama. Telah ada banyak upaya dan solusi yang dibuat oleh pemerintah, organisasi dan institusi yang peduli dengan penyelesaian masalah yang muncul di Indonesia. Namun, belum ada dampak yang signifikan terhadap masalah sosial. Pendekatan yang tepat yang sempurna untuk menciptakan solusi Islam adalah membangun integrasi dan interkoneksi sebagai pendekatan terhadap sistem ekonomi Islam. Dalam pendekatan integrasi dan interkoneksi, ada tiga karakteristik utama. Mereka adalah tesis yang mudah dipahami, intersubyektif, dan imajinasi kreatif. Karakteristik ketiga adalah beberapa upaya untuk menciptakan solusi Islami, aplikatif dan revolusioner.

THE PERFORMANCE OF RURAL DEVELOPMENT SCHEME IN ISLAMI BANK BANGLADESH FROM AN ISLAMIC PERSPECTIVE Mohammad Saiful Islam
Share: Jurnal Ekonomi dan Keuangan Islam Vol 5, No 1 (2016)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Islami Bank Bangladesh Limited (IBBL) is one of the leading and efficient financial institutions in the globe. The Rural Development Scheme (RDS) has become an exclusive domain to play a significant role in increasing the performance of development in nation building. As a result, IBBL is playing a vital role in the rural area in applying the RDS for poverty alleviation. The aim of this study is to analyze the performance of the RDS of IBBL in the rural area. This paper will also discuss the achievements of this scheme in the present context to evaluate its performance. Finally, the researcher will come up with some suggestions and recommendations for further improvement. =========================================== Bank Islami Bangladesh Limited (IBBL) adalah salah satu lembaga keuangan terkemuka dan efisien di dunia. â€œSkema Pembangunan Pedesaanâ€ (RDS) telah menjadi suatu domain yang ekslusif dalam memainkan peranan yang signifikan bagi peningkatan performa dalam pembangunan negara. Sebagai hasilnya, IBBL memainkan peranan yang penting di daerah pedesaan dalam mengaplikasikan skama RDS bagi upaya penanggulangan kemiskinan. Tujuan penelitian ini adalah untuk menganalisa performa skema RDS dari IBBL di daerah pedesaan. Paper ini juga akan mendiskusikan pencapaian skaema ini dalam konteks saat ini guna mengevaluasi performanya. Pada akhirnya, peneliti akan menyampaikan beberapa saran dan rekomendasi untuk peningkatan di masa yang akan datang.

HOW DOES ISLAMIC BANKING SUPPORT ECONOMICS GROWTH? Mustika Noor Mifrahi; Achmad Tohirin
Share: Jurnal Ekonomi dan Keuangan Islam Vol 9, No 1 (2020)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Some researchers have argued that the financial system has a vital role in economic growth. Islamic banking that has existed widely in many countries is expected to have a positive role in economic growth. This study aims to examine the impact of Islamic bank financing on economic growth in QISMUT countries. To compare with other full Islamic banking systems, Iran and Sudan also included in this study. By using annual panel data (2005-2015), this paper utilizes an approach to multiple mediating analysis models. The findings demonstrate that Islamic banking financing does not significantly impact economic growth directly. However, Islamic banking financing can possibly influence economic growth indirectly through investment and consumption spending.========================================================================================================Bagaimanakah Peran Perbankan Syariah dalam Pertumbuhan Ekonomi? Beberapa peneliti berpendapat bahwa system keuangan memiliki peran penting dalam pertumbuhan ekonomi. Perbankan Islam yang telah ada secara luas di banyak negara diduga memiliki peran positif dalam pertumbuhan ekonomi. Penelitian ini bertujuan untuk menguji peengaruh pembiayaan bank Islam pada pertumbuhan ekonomi di negara QISMUT. Iran dan Sudan dimasukkan dalam objek penelitian ini sebagai pembanding penggunaan sistem keuangan Islam. Menggunakan data panel tahun 2005-2015, penelitian ini menggunakan pendekatan analisis media dengan banyak faktor. Hasil penelitian menunjukkan bahwa pembiayaan bank Islam tidak dapat mempengaruhi pertumbuhan ekonomi secara langsung. Akan tetapi, Bank Islam dapat mempengaruhi pertumbuhan ekonomi secara tidak langsung, yaitu melaui investasi dan konsumsi.

THE SIYASAH SHAR'IYYAH PERSPECTIVE OF NAJIB'S TRANSFORMATIONAL AGENDA IN MAKING MALAYSIA INTO A HIGH INCOME NATION Lukman Thaib
Share: Jurnal Ekonomi dan Keuangan Islam Vol 6, No 1 (2017)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Malaysia is a country that since its independence has endeavored to practice democratic governance. In line with this, it seeks to ensure that the Malaysian government is representative of the will of the people. To achieve this, there must be in place numerous mechanisms to ensure accountability and transparency while also ensuring that it has an "ear to the ground" so to speak. Dato' Sri Mohd Najib believed that transformational leadership posts the leader in the role of mentor whereby he able to designate responsibilities to his followers as a means to achieve self-actualization which is a positive means of promoting team-building efforts. To achieve the goals shared between him as a country's leader and Malaysian peoples as his followers, he believed that inspirational motivation is needed, as it provides meaning to achieving this shared vision on "how to make Malaysia as a high-Income Nation by 2020"?. PM Mohd Najib has been successful in articulating a compelling vision of Malaysia's future and tied a high-income nation's vision to Malaysian citizen values, and ultimately he is capable of being a "transformational leader". It is to this end that this paper is committed, namely to analyzing the important role played by PM Mohd Najib towards outlining a clear vision of national development and whether this is in line with the objective of maqasid shar'iyyah. For this, PM. Mohd Najib appears to have opted to pursue "The Government Transformation Programme (GTP)" to address seven key areas concerning Malaysia's interest in realizing Malaysia's vision to become a high-income nation by 2020. ========================================================================================================Malaysia adalah negara yang sejak kemerdekaannya telah berupaya untuk melaksanakan tata kelola pemerintahan yang demokratis. Sejalan dengan ini, ada usaha untuk memastikan bahwa pemerintah Malaysia merupakan perwakilan dari kehendak rakyat. Untuk mencapai hal ini, harus terdapat banyak mekanisme untuk menjamin akuntabilitas dan transparansi sekaligus juga memastikan bahwa ia memiliki 'telinga ke tanah'. Dato' Sri Mohd Najib yakin bahwa kepemimpinan transformasional mengganggap pemimpin sebagai mentor yang mampu menunjuk tanggung jawab kepada anggotanya sebagai sarana untuk mencapai aktualisasi diri yang merupakan sarana positif dalam mempromosikan upaya pembangunan tim. Untuk mencapai tujuan bersama antara Dato' Sri Mohd Najib sebagai pemimpin negara dengan bangsa Malaysia sebagai pengikutnya, ia percaya bahwa motivasi inspirasional diperlukan sebagai makna untuk mencapai visi bersama tentang "bagaimana membuat Malaysia sebagai negara berpenghasilan tinggi pada tahun 2020"? PM Mohd Najib telah berhasil dalam mengartikulasikan visi yang menarik dari masa depan Malaysia, dan berhasil mengikat visi pendapatan nasional yang tinggi untuk kepentingan warga Malaysia, dan akhirnya ia mampu menjadi 'pemimpin transformasional'. Ini adalah tujuan penulisan jurnal, yaitu untuk menganalisis peran penting yang dimainkan oleh PM Mohd Najib terhadap penguraikan visi yang jelas dari pembangunan nasional dan apakah ini sejalan dengan tujuan shar'iyyah maqasid. Untuk itu, PM Mohd Najib tampaknya telah memilih untuk mengejar 'Program Transformasi Pemerintah Program untuk menyelesaikan tujuh bidang utama mengenai kepentingan Malaysia dalam mewujudkan visi Malaysia untuk menjadi bangsa yang berpenghasilan tinggi pada tahun 2020.

PUBLIC POLICY IN ISLAMIC FRAMEWORK: EXPLORING PARADIGM BASED ON ISLAMIC EPISTEMOLOGY Abdulkader Cassim Mahomedya
Share: Jurnal Ekonomi dan Keuangan Islam Vol 4, No 2 (2015)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Despite the concerted efforts of recent Islamic scholarship to establish a distinct identity for Islamic economics, they have enjoyed little success in doing so. One of the most important reasons for this vision of Islamic sciences remaining unfulfilled is that scant attention has been paid to the critical role of epistemology in the founding of an academic discipline. Consequently, and not unlike the other areas of Islamic social science, Islamic Economics has remained embedded within the epistemological-ontological foundations of Occidentalism, thereby enslaving itself to the mainstream theories and tools of neoclassical microeconomics and Keynesian macroeconomics. This has been the central debility facing Islamic economists in establishing a distinct identity for their field of inquiry. This paper aims to highlight the importance of the relationship between epistemology, science, and Islamic economics. Only after this nexus is understood and appreciated, will it meaningful to articulate an episteme for Islamic economics, and to derive therefrom and construct thereupon a matrix of concepts, ontological categories and axioms opposite to that episteme. This is critical if Islamic economists and Muslim social scientists aspire to realise the objectives of Islam and avoid the pitfalls of their counterparts in the western world. They have to chart a new and fresh way forward for their science, consistent with a worldview based on Islam's authentic sources. =========================================== Meskipun upaya-upaya terpadu pengetahuan Islami terkini untuk membangun suatu identitas yang berbeda bagi ilmu ekonomi Islam, ada sedikit keberhasilan dari upaya- upaya tersebut. Salah satu alasan yang paling penting untuk visi ilmu pengetahuan Islami yang masih belum diisi adalah minimnya perhatian yang ditujukan kepada peranan kritis epistemology dalam membentuk suatu disiplin akademik. Oleh karena itu, tidak seperti area-area lain dalam ilmu sosial Islami, Ekonomi Islam telah dan masih menyertakan dasar-dasar epistemology-ontology kebiasaan orang-orang barat (occidentalisme), sehingga masih terikat pada teori- teori arus utama dan perangkat ekonomi mikro neo-klasik dan ekonomi makro Keynesian. Hal ini menjadi kelemahan utama yang dihadapi oleh para ekonom Islam dalam membentuk suatu identitas yang berbeda dalam bidang penelitiannya. Kajian ini bertujuan untuk menekankan pentingnya hubungan antara epistemologi, ilmu pengetahuan, dan ekonomi Islam. Setelah keterkaitan ini dipahami dan disadari, hal ini akan memberi arti dalam mengartikulasikan suatu episteme bagi ekonomi Islam dan untuk memperoleh darinya dan kemudian mengkonstruksikan sebuah matrix konsep, kategori ontology dan aksioma yang tepat bagi episteme tersebut. Hal ini sangat mendesak jika para ekonom Islam dan para ahli ilmu sosial muslim bercita-cita untuk mewujudkan tujuan- tujuan Islam dan menghindari jebakan rekan- rekannya di dunia barat. Mereka harus merencanakan sebuah cara baru dan berbeda dalam memajukan ilmu pengetahuannya, konsisten dengan pandangan yang berdasarkan sumber-sumber Islam yang asli.

Issues in Islamic Economics, Banking and Financial Institutions during the Covid-19 Pandemic Azharsyah Ibrahim
Share: Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2 (2021)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

In this second issue of the 2021 edition, we received primarily manuscripts focusing on the challenges faced by Islamic Banking and Financial Institutions (IBFIs) during the Covid-19 pandemic. These manuscripts cover a range of topics within the field, including institutional and employee performance, financial stability, waqf institutions, the trend of Islamic economics research, and the significance of Islamic economics and finance in the modern economy. As the publication deadline approached, out of the dozen manuscripts reviewed, only ten were accepted. Nine of them were ready for publication, while the remaining manuscript required further quality improvements. The process involved an initial review by our editor(s) before forwarding the manuscripts to suitable reviewers. Some manuscripts underwent multiple rounds of review before being accepted. The reviewers' feedback played a crucial role in the final decision-making process. Following acceptance, the manuscripts proceeded through editing stages, including proofreading and layout, during which our editor(s) maintained close communication with the authors as necessary. This rigorous process ensures that each published manuscript undergoes thorough quality checks. Notably, among the published articles, five discuss performance issues in Islamic financial institutions, while the others explore various aspects of Islamic economics and finance, including waqf institutions, the trend of Islamic economics research, and the relevance of Islamic economics and finance in the modern economy. For detailed information, please refer to the attached PDF file.

THE EFFECTS OF TAWHIDIC PARADIGM ON PUBLIC POLICY MAKING IN MALAYSIA Suhaimi bin Mhd Sarif; Yusof bin Ismail
Share: Jurnal Ekonomi dan Keuangan Islam Vol 6, No 2 (2017)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This study examines the conceptualized effects of Tawhidic paradigm on economic policies to promote the growth of halal industry for sustainable wealth creation in Malaysia. Tawhidic paradigm provides guidance to economic policy thinking by relying upon the principles of Qurâ€™an and Sunnah in formulating and implementing policy blueprint and instruments. The current policy thoughts are guided by market forces and sentiments which contributed to unbridled uncertainties and speculation. A Tawhidic paradigm policy thinking and process is developed to help ascertain the level of Tawhidic based policy thinking and practices at policy making, implementation and evaluation. Using personal interview with economic policy makers as method of collecting input, this study reveals that the informants do consider some levels of Tawhidic paradigm but the thoughts appear to be inadequate to help sustain wealth creation. =========================================== Efek Paradigma Tauhid dalam Pengambilan Kebijakan Publik di Malaysia________________________________________________ Studi ini ingin menguji dampak konsep paradigma Tauhid terhadap kebijakan ekonomi dalam mendorong pertumbuhan industri halal, demi terciptanya kekayaan berkelanjutan di Malaysia. Paradigma tauhid memberikan panduan pemikiran kebijakan ekonomi dengan mengandalkan prinsip-prinsip Alquran dan Sunnah dalam merumuskan dan menerapkan cetak biru instrumen kebijakan. Pemikiran kebijakan saat ini dipandu oleh kekuatan dan sentimen pasar yang berkontribusi terhadap ketidakpastian dan spekulasi yang tak terkendali. Pemikiran dan proses pemikiran tauhid dikembangkan untuk membantu memastikan tingkat pemikiran dan praktik kebijakan Tauhid berdasarkan pada pembuatan kebijakan, pelaksanaan dan evaluasi. Dengan menggunakan wawancara pribadi dengan pembuat kebijakan ekonomi sebagai metode untuk mengumpulkan masukan. Penelitian ini mengungkapkan bahwa informan mempertimbangkan beberapa tingkat paradigma Tauhid namun pemikiran tersebut tampaknya tidak memadai untuk membantu mempertahankan penciptaan kekayaan.

HOW TO IMPLEMENT ISLAMIC BANKING'S CSR IN THE SOCIETY? Muhammad Yasir Yusuf
Share: Jurnal Ekonomi dan Keuangan Islam Vol 1, No 1 (2012)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

The concept of CSR began in the West in the 1970s and discussions on the concept of CSR often focused on the view that is founded on the norms, cultures, and beliefs of the West. The Western perspective of CSR has become common practice for a corporate to run CSR programs. One of the goals of Islamic banking operations is to increase the economic growth towards a better and just society. Therefore, Islamic CSR in IBIs should be underpinning on Islamic philosophy that differs from a western perspective. This study aims to examine the implementation of Islamic CSR in IBIs in society base on an underpinning of Islamic philosophy. This study relies on secondary data to explore the basic sources of Islam using content analysis. The study found that the implementation of Islamic corporate social responsibility on IBIs in the society should be guided by two Islamic principles, first, the application of maslahah (the public good) which provides a better framework that managers can use when faced with potential conflicts arising from diverse expectations and interests of any corporation's stakeholders. Secondly, the corporate social responsibility program should pay more attention to the importance of social capital in society. The corporate social responsibility practices in Islamic banking should not only be based on responsibility al kifayah (obligatory upon the community) and get a positive corporate image but can also be deemed as a method to alleviate poverty and achieve the true economic goals of Islam. ========================================================================================================Konsep CSR dimulai di Barat pada era 1970-an sehingga bahasan CSR seringkali dipengaruhi oleh norma-norma, budaya dan keyakinan masyarakat Barat. Pandangan ini kemudian mempengaruhi praktik banyak perusahaan dalam program CSR-nya. Dalam Islam, perusahaan seperti Institusi Perbankan Syariah (IPI) diarahkan untuk meningkatkan pertumbuhan ekonomi umat dengan adil dan merata sehingga pelaksanaan CSR dalam filosofi Islam berbeda dengan konsep Barat. Artikel ini bertujuan untuk menguji implementasi CSR Islam dalam IPI yang dilaksanakan berdasarkan filosofi Islam. Kajian ini menggunakan data sekunder untuk mengeksplorasi sumber-sumber dasar Islam yang kemudian dianalisis dengan content analysis. Hasil kajian menunjukkan bahwa implementasi CSR Islam dalam IPI dipandu oleh dua prinsip Islam, pertama, maslahah yang memberikan kerangka kepada para manager untuk bertindak secara lebih baik dalam kondisi yang tidak menentu. Kedua, program CSR dalam IPI harus menitikberatkan pada social capital masyarakat. Jadi, praktik CSR dalam IPI tidak hanya berdasarkan al-kifayah (kewajiban atas masyarakat) dan memperoleh citra positif tetapi juga sebagai metode dalam mengentaskan kemiskinan dan mencapai tujuan-tujuan ekonomi dalam Islam.

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Journal Mail Official jurnal.share@ar-raniry.ac.id

Editorial Address Share: Jurnal Ekonomi dan Keuangan Islam Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia Email: jurnal.share@ar-raniry.ac.id

Location Kota banda aceh, Aceh INDONESIA

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Contact Name
Azharsyah Ibrahim

Contact Email
jurnal.share@ar-raniry.ac.id

Phone
-

Journal Mail Official
jurnal.share@ar-raniry.ac.id

Editorial Address
Share: Jurnal Ekonomi dan Keuangan Islam Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia Email: jurnal.share@ar-raniry.ac.id

Location
Kota banda aceh,

Aceh

INDONESIA