AnNisbah Jurnal Ekonomi Syariah最新文献

{"title":"CREATING A SOCIAL JUSTICE TROUGH ZAKAT AND ITS RELEVANT TO POVERTY ALLEVIATION: A PERSPECTIVE OF ABUL A’LA AL-MAUDUDI","authors":"Akhmad Hafandi, M. Helmy","doi":"10.21274/an.v8i1.3622","DOIUrl":"https://doi.org/10.21274/an.v8i1.3622","url":null,"abstract":"This paper aims to reveal Al Maududi’s thoughts related to the concept of social justice which is proxied in the management of zakat. His thoughts emphasis on the entire economic scheme developed under the principles of sharia (Islamic law), projecting an internally balanced economic system and totally not accepting capitalism or communism. He explicitly stated that the embodiment of justice (a’dl) and welfare (falah) as a means of seeking God’s blessings (fadhl al-Allah) through the determination of its main goals using the maqasid of sharia. The results of this literature study are able to reveal that zakat philanthropy can carry out several main functions of modern public finance related to social security rights in the form of health, education, food, housing, and public transportation. Zakat is also able to reduce social inequality that arises as a result of human exploitative economic behavior and becomes an effort to achieve social justice. \u0000 ","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47126709","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PERAN NEGARA DALAM KETAHANAN PERBANKAN SYARIAH DI MASA PANDEMI COVID-19","authors":"Y. Wicaksono, Binti Maunah","doi":"10.21274/an.v8i1.3600","DOIUrl":"https://doi.org/10.21274/an.v8i1.3600","url":null,"abstract":"Perekonomian nasional bergantung pada gerak aktivitas ekonomi masyarakat. Pandemi COVID-19 telah mengubah gaya hidup hingga melesukan aktivitas perekonomian akibat adanya aturan pembatasan mobilitas masyarakat. Indonesia bahkan resmi resesi pada kuartal ketiga tahun 2020 pada pertumbuhan ekonomi -3.49%. Industri perbankan syariah yang menjadi salah satu lembaga intermediasi keuangan juga ikut terdampak meskipun tidak lebih parah dari perbankan konvensional. Tujuan penulisan artikel ini adalah untuk mengetahui peran negara dalam ketahanan perbankan syariah dimasa pandemi COVID-19. Adapun artikel disusun dengan pendekatan yuridis normatif dengan metode studi kepustakaan (literature review). Hasil pembahasan menunjukkan bahwa perbankan syariah mengalami perkembangan pada kuantitas aset sebesar Rp545,39 Triliun. Meskipun disisi lain operasi perbankan syariah juga mengalami perlambatan pertumbuhan seperti dalam pembiayaan yang disalurkan, dana pihak ketiga, dan kualitas aset, namun pertumbuhan aset perbankan syariah bahkan lebih tinggi yaitu 9,22% daripada perbankan konensional yang hanya tumbuh diangka 5%. Ketahanan perbankan syariah terhadap krisis pandemi COVID-19 ini tidak lepas dari peran negara. Berbagai regulasi yang dikeluarkan mampu menciptakan ketahanan dan bahkan mendorong pertumbuhan perbankan syariah.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44356710","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"TA’AWUNI-BASED MICRO INSURANCE MODEL BAGI UMKM: UPAYA MENDUKUNG PENGEMBANGAN EKOSISTEM INDUSTRI HALAL PASCA COVID-19 DI INDONESIA","authors":"Sulaeman Sulaeman, Amaliyah Wirawan","doi":"10.21274/an.v8i1.3755","DOIUrl":"https://doi.org/10.21274/an.v8i1.3755","url":null,"abstract":"Abstrak: Penelitian ini bertujuan untuk mengusulkan model asuransi mikro syariah yakni Ta’awuni-Based Micro Insurance Model yang berdasarkan prinsip saling tolong menolong (ta’awun) sebagai upaya dalam mengurangi beban/risiko khususnya untuk UMKM yang terlibat dalam industri produk/jasa halal pasca pandemic COVID-19 di Indonesia. Dengan menggunakan analisis BOCR, model asuransi mikro syariah berbasis prinsip ta’awun ini dapat memberikan keuntungan bagi UMKM yang berada di sektor industri halal dan bagi perusahaan asuransi syariah/LKMS dalam mendukung program-program pemerintah seperti program pemulihan ekonomi nasional (PEN) khususnya bagi UMKM yang bergerak di industri halal terlebih setelah pandemik COVID-19 di Indonesia. Selain itu, ada risiko yang akan dihadapi baik oleh perusahaan asuransi syariah maupun LKMS dalam mengimplementasikan model ini bagi UMKM seperti moral hazard. Namun, tata kelola yang baik dan pengaplikasian IT dapat mengurangi dan mencegah adanya berbagai risiko termasuk risiko moral hazard yang berpeluang timbul pada penerapan model ini. . \u0000Kata kunci: Asuransi Mikro Syariah, UMKM, COVID-19, Indonesia \u0000  \u0000Abstract: This study aims to propose a sharia micro insurance model, namely the Ta'awuni-Based Micro Insurance Model which is based on the principle of mutual help (ta'awun) as an effort to reduce the burden/risk, especially for MSMEs involved in the halal industry after the COVID-19 pandemic in Indonesia. By using BOCR analysis, this sharia microinsurance model based on ta'awun principles can provide benefits for MSMEs in the halal industry sector and for sharia insurance companies/Islamic Microfinance Institutions (IMFIs) in supporting government programs such as Economic Recovery Program (Pemulihan Ekonomi Nasional), especially for MSMEs in the halal industry after the COVID-19 pandemic in Indonesia. In addition, there are risks that will be faced by both sharia insurance companies and IMFIs in implementing this model for MSMEs such as moral hazard. However, good governance and the application of IT can reduce and prevent various risks, including the risk of moral hazard that may arise in the application of this model. \u0000Keywords: Islamic Micro Insurance, MSMEs, COVID-19, Indonesia","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45550692","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"UNIT KEPATUHAN DAN AUDIT INTERNAL BANK SYARIAH DI INDONESIA; SUDAHKAH SESUAI DENGAN PRINSIP SHARIAH GOVERNANCE?","authors":"Muhammad Fakhrul Arrazi","doi":"10.21274/an.v8i1.3747","DOIUrl":"https://doi.org/10.21274/an.v8i1.3747","url":null,"abstract":"Shariah governance is crucial in the Islamic banking system to ensure that all commercial operations comply with Islamic principles and differentiate Islamic banking operations from conventional banking. This research discusses the similarities between the practice of the compliance unit and internal audit of Islamic banks in Indonesia and Bank Indonesia/ OJK’s regulations and existing standards. The data for the research were collected through interviews and documentation instrument, and analyzed by using qualitative methods. Based on the analysis, the researcher identified that the work practices of the compliance unit and internal audit of Islamic banks in Indonesia are in line with regulations promoted by Bank Indonesia/ OJK, AAOIFI and IFSB shariah governance, but are still not comprehensive when compared to the Shariah governance framework of Bank Negara Malaysia and the opinions of other practitioners of Islamic Economics.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42671691","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH UPAH TANAH BENGKOK TERHADAP KINERJA, PRESPEKTIF PRINSIP KEADILAN EKONOMI SYARIAH (Studi pada Perangkat Desa di Kecamatan Banyakan Kabupaten Kediri)","authors":"A. Andriani","doi":"10.21274/an.v8i1.3538","DOIUrl":"https://doi.org/10.21274/an.v8i1.3538","url":null,"abstract":"Tanah bengkok merupakan bagian dari tanah desa yang selama ini diperuntukkan untuk gaji pamong desa. Desa merupakan ujung tombak dalam pelaksanaan program-program pemerintah. Oleh karena itu mutlak kinerja perangkat desa sangat berpengaruh terhadap berhasilnya program-program pemerintah pusat. Adil adalah sesuatu yang sesuai dengan kondisinya. Adil bukan berarti sama dalam hal jumlah maupun dalam hal lainnya. Dalam upah adil bukan berarti besarnya  harus sama antara pekerja satu dengan kerja lainnya. Latar belakang tersebut mendorong peneliti untuk melakukan penelitian dengan fokus penelitian: 1. Mengetahui upah tanah bengkok perangkat desa di Kecamatan Banyakan. 2. Mengetahui kinerja perangkat desa di Kecamatan Banyakan. 3. Mengetahui pengaruh upah tanah bengkok terhadap kinerja perangkat desa di Kecamatan Banyakan. 4. Mengetahui pengaruh upah tanah bengkok terhadap kinerja perangkat desa di Kecamatan Banyakan dalam pandangan prinsip keadilan ekonomi Syariah. \u0000Penelitian ini menggunakan metode kuantitatif dan kualitatif. Metode sampling jenuh digunakan peneliti untuk menentukan besarnya sampel. Seluruh populasi yang berjumlah 111 dijadikan sampel dan mengisi angket penelitian. Selain angket, peneliti menggunakan metode observasi, dokumentasi, dan wawancara kepada pegawai kecamatan perangkat desa, serta warga untuk mendapatkan data yang dibutuhkan.  Uji validitas, reabilitas, analisis deskriptif, uji normalitas, uji autokorelasi, korelasi product momen, uji regresi linier sederhana, uji t dan uji determinasi dilakukan peneliti untuk analisis data. \u0000Berdasarkan hasil penelitian mengungkapkan bahwa upah tanah bengkok dalam kategori baik dan kinerja perangkat desa dalam kategori sangat baik. Uji Hipotesis menunjukkan bahwa bahwa nilai t hitung adalah 1.297 sedangkan t tabel adalah 1,66571 Sehingga  upah tanah bengkok  tidak berpengaruh  terhadap kinerja perangkat desa. Berdasarkan uji determinasi didapatkan variabel upah tanah bengkok hanya mempengaruhi kinerja sebesar 0.4% . Berdasarkan hasil wawancara terhadap warga didapatkan kesimpulan kinerja perangkat desa dirasa masih kurang bagus. Sehingga dapat ditarik kesimpulan bahwa upah tanah bengkok, tidak berimplikasi kepada kinerja perangkat desa. Praktek upah tanah bengkok tidak melanggar hukum Islam, namun dalam teori keadilan perbedaan luas tanah bengkok dirasa kurang adil, karena perbedaan tersebut tidak berdasarkan nilai kerja maupun kebutuhan perangkat desa.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-04-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42124517","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"DISPARATIS RIBA DAN BUNGA BANK; PERSPEKTIF HERMENEUTIKA DOUBLE MOVEMENT FAZLUR RAHMAN","authors":"Rina - Rosia","doi":"10.21274/an.v7i02.2674","DOIUrl":"https://doi.org/10.21274/an.v7i02.2674","url":null,"abstract":"Abstrak: Artikel ini membahas tentang hermeneutika double movement Fazlur Rahman dalam memahami riba dan bunga bank dalam al-Qur’an. Pendekatan double movement Fazlur Rahman ini merupakan metode berpikir yang bersifat reflektif, bolak-balik antara deduksi dan induksi secara timbal balik, sehingga dapat menghidupkan kembali pintu ijtihad. Menurut Fazlur Rahman, bahwasanya riba dan bunga bank adalah sesuatu yang berbeda, karena riba merupakan sesuatu yang diharamkan dalam al-Qur’an dan hadis. Sedangkan bunga bank diperbolehkan asal tidak berisi pemerasan dan kezhaliman bagi masyarakat. Karena bunga bank sendiri termasuk bagian dari ekonomi modern yang kedudukannya sama penting dengan mekanisme harga. Kata kunci: Hermeneutika, Double Movement, Riba Abstract: This article discusses about Fazlur Rahman's dual movement hermeneutics in discussing usury in the Qur'an. The hermeneutics of Fazlur Rahman's dual movement is a method of thinking that reflects reflective, reversing back and forth between lead deduction and induction, so that it can reactivate the door of ijtihad. According to Fazlur Rahman, that usury and interest are something different, because usury is something that is forbidden by the Qur'an and hadith. While interest is permitted as long as it does not contain extortion and tyranny for the community. Because interest itself is part of a modern economy whose position is as important as price placement. Kata Kunci: Hermeneutics, Double Movement, Usury","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48778768","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"DINAMIKA CRYPTOCURRENCY DAN MISI EKONOMI ISLAM","authors":"Ahmad Khoirul Umam, Onny Herlambang Putra Wardhana, Ira Humaira Hany","doi":"10.21274/an.v7i02.3366","DOIUrl":"https://doi.org/10.21274/an.v7i02.3366","url":null,"abstract":"Advances in technology that exist today, have brought people to a lot of reforms in various aspects; fashion, automotive, communication and payment systems. developments that exist in the payment system, not only mobilizing people to be able to transact more effective and efficient. Furthermore, it is able to lead humans to a monetary system reformation such as the existence of various cryptocurrencies. However, this progress must be able to be monitored, because we know that everything’s like two sides of a coin. Islam as a kaffah system has a responsibility to anticipate the various possibilities that exist. Through literature review in this paper, the author tries to provide various important matters in the dynamics of cryptocurrencies, and how the Islamic economy’s role in order to supervise, make a contribution to the existing dynamics.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48618835","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"ANALISIS TRANSAKSI SYARIAH DI PASAR SYARIAH KAMPAR RIAU","authors":"Idel Waldelmi, Dwika Lodia Putri","doi":"10.21274/an.v7i02.2431","DOIUrl":"https://doi.org/10.21274/an.v7i02.2431","url":null,"abstract":"This study discusses the analysis of Islamic transactions in the Islamic market ulul albab siak hulu kampar Riau. According to Athoillah and Waldelmi, I, the dimensions of buying and selling / sharia transactions for customers can be seen in the existence of goods, prices, honesty / trustworthiness, buying and selling systems and Aqad. This study uses a survey method on ulul albab sharia market customers, using questionnaires, discussions, interviews and analyzed with descriptive techniques, the results obtained from research that the implementation of sharia transactions conducted in the ulul albab sharia market in the assessment is quite appropriate. Using five dimensions and proven to be the highest dimension in the payment system done in cash, which means that almost all transactions carried out in the Islamic market by market customers are preferred with cash payments while the lowest dimensions are in the buying and selling system in the Islamic market where between ulul albab sharia market with an ordinary (conventional) market is the same in terms of carrying out buying and selling transactions Keywords: Sharia customers, traders and buying and selling systems","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48025111","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"EKONOMI INDONESIA, ISLAMIKAH? Economic Islamicity Index (EI2) Indonesia dalam Perspektif Maqashid Syariah","authors":"Muhammad Sholihin","doi":"10.21274/an.v7i02.3179","DOIUrl":"https://doi.org/10.21274/an.v7i02.3179","url":null,"abstract":"This article aims to measure how closely or Islamic the Indonesian economy is when analyzed with the theory of maqashid sharia. This goal is based on empirical facts that the Indonesian economy is based on Pancasila, which is in fact compatible with Islamic values. This is the primary fondation of the argument why research is important. To be able to obtain information related to the objectives of this research, this study applies an integrative approach, which is an approach that combines online survey methods and library approaches, or library research. Strengthening understanding and understanding of the data, this study uses the fiqh paradigm, specifically the sharia maqashid theory and the economic development paradigm, which specifically borrows the theory put forward by Abbas Mirakhor and Hossein Askari about the dimensions of Islamic development. The findings of this study are generally formulated into a thesis that Indonesia is now faced with the ambivalence of state religiosity and people's economic behavior: a negative relationship between state economic policy and people's economic behavior. When the state formulates economic policy it is trapped in neo-liberalism, and is far from Islamic principles.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43167349","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH INFLASI PADA SUKU BUNGA BANK INDONESIA PERIODE 2005-2015","authors":"Z. Abidin","doi":"10.21274/an.v7i02.3199","DOIUrl":"https://doi.org/10.21274/an.v7i02.3199","url":null,"abstract":"Abstrak: inflasi merupakan peristiwa ekonomi yang sering terjadi di berbagai negara baik negara berkembang maupun negara maju, inflasi ditandai dengan naiknya harga barang dan jasa yang berdampak menurunnya nilai mata uang suatu negara sehingga dapat mengakibatkan menurunnya daya beli konsumen pada akhirnya juga memepengaruhi pendapatan nasional. Pemerintah mengatasi inflasi melalui beberapa kebijakan salah satunya kebijakan  moneter dengan menaikkan atau menurunkan suku bunga BI. Metode penelitian yang digunakan pada penelitian ini menggunakan pendekatan kuantitatif sedangkan sumber data berupa data sekunder. Data sekunder yang digunakan yaitu data inflasi dan suku bunga BI peroide Juli 2005-Desember 2015 dengan menggunakan metode analisis regresi linier sederhana menggunakan program SPSS versi 18.0. Hasil penelitian diperoleh bahwa variabel inflasi memiliki pengaruh terhadap variabel suku bunga BI yang ditunjukkan melalui nilai ttabel < thitung (1,65714 < 18,657) dan taraf signifikansi yang kuat sebesar 0,05. Persamaan regresi menunjukkan arah positif sehingga jika inflasi meningkat maka suku bunga juga meningkat. Variasi suku bunga dapat diterangkan oleh variasi inflasi sebesar 0,737% dan 0,263 dijelaskan oleh variable selain inflasi seperti investasi, tingkat peredaran uang di masyarakat dan valuta asing.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45835350","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}