bluuebunny/crossref_metadata_2025_split huggingface dataset:
Konsep Pemikiran Sayyid Tanthawi Dalam Melegalkan Bunga Bank
Authors: Zakaria Zakaria , Ulinnajah Ahmad , Suganda Rangga 
Published: March 2024

Perkembangan zaman menuntut kebanyakan masyarakat untuk melakukan interaksi pada bank dalam memenuhi kebutuhan hidup. Interaksi yang dihadirkan pada bank akan menghadirkan yang namanya bunga bank, bunga bank adalah sesuatu penambahan persentase yang diisyaratkan pada pokok pinjaman uang. Mayoritas ulama sudah sependapat bahwa bunga bank adalah sesuatu yang dilarang, karena terdapat unsur kesamaan atas perbuatan riba. Meskipun demikian terdapat beberapa ulama pula yang mengatakan bahwa bunga bank diperbolehkan, sehingga memang masih ada terjadi benturan atau perbedaan pendapat di kalangan ulama terkait dengan hukum bunga bank. Salah satu tokoh ulama terkenal yang melegalkan bunga bank adalah Sayyid Thanthawi, baginya bunga bank adalah sesuatu yang diperbolehkan dikarenakan tidak adanya nash yang melarang dan kemaslahatan yang dihadirkan.
Jenis penelitian ini adalah penelitian normatif dengan pendekatan ushul fikih, objek kajiannya adalah analisa terhadap konsep pemikiran tokoh Sayyid Thanthawi dan metode ijtihadnya dalam melegalkan bunga bank. Data pada penelitian ini diambil berdasarkan studi pustaka, yang analisisnya menggunakan pemikiran tokoh Sayyid Thanthawi, pendapat para ulama, dan metode penemuan hukum bunga bank oleh Sayyid Thantawi. Sedangkan teori yang digunakan adalah teori istishlah yang menetapkan sebuah hukum terhadap peristiwa yang tidak terdapat dalilnya. Hasil temuan dalam penelitian ini ialah: pertama, hukum bunga bank masih terdapat beberapa perbedaan pendapat dikalangan ulama, namun secara mayoritas ulama menyatakan bunga bank sama halnya dengan riba. Kedua, kontruksi pemikiran Sayyid Thantawi dalam menentukan hukum bunga bank dengan menekankan kepada aspek moral ketimbang aspek legal formalnya yaitu melihat kehadiran dari bunga bank didasari atas hadirnya hajat darurat antara nasabah dan pihak bank. Ketiga, metode ijtihad yang dilakukan oleh Sayyid Thanthawi ialah menggunakan metode qiyas, yang menyamakan bunga bank dengan mudhrabah. Adapun illat terletak pada bentuk nisbah bagi hasil yang menurutnya merupakan sebuah tindakan yang tidak dilarang, karena tidak adanya nash ataupun hadis yang melarangnya. Sehingga hadirnya penetapan tersebut sama halnya dengan akad yang hadir pada mudharabah baik dalam bentuk nisbah bagi hasil ataupun dalam bentuk tingkat persentase tertentu terhadap modal.
Zakat Sebagai Solusi Kesejahteraan Ekonomi Ummat dalam Konsep Kebijakan Fiskal Islami
Authors: Khalida Nur Diana 
Published: March 2024

Abstract
This article is about zakat and its function in the concept of fiscal policy in Islam. This article also examines zakat as a solution to improve people's welfare. Islam has taught early on the importance of giving both through zakat and other almsgiving. Helping each other is a concept shared by Islam in social building wrapped in the form of the rich giving a little of their wealth to the underprivileged. In Islamic fiscal policy, the revenue side of the state budget during the time of the Prophet consisted of: Kharaj, Jizyah, zakat and other receipts such as kaffarah (fines). This research was conducted using a qualitative approach with a descriptive type of research based on library research. The technique in collecting data in this study with documentation techniques is to collect various kinds of information, both the information is science, facts and data, with the next stage being to categorize the data that has been collected related to research. The data collected is sourced from scientific documents such as journals, scientific books or searches through the internet or websites. Zakat plays an important role in economic welfare and community development. Government Regulation Number 23 of 2011 sets the goal of zakat management. First, improve the effectiveness and efficiency of services that manage zakat. Good zakat management facilitates OPZ procedures to achieve the central goal of zakat itself. Number two, increasing zakat profits to achieve community welfare and poverty alleviation
Etika Pedagang Sembako Pesepektif Bisnis Islam Di Indonesia
Authors: Irawan Heri 
Published: March 2024

Swordsmen and Muslim-majority business people. But based on the facts, there are still many people who violate ethics in trading. The formulation of the problem is how to understand and how apply Islamic business ethics to staple food traders in the Sinjai central market. This study aims to explain the understanding and application of Islamic business ethics exemplified by the Prophet Muhammad saw., to staple food traders in the Sinjai Central Market. This type of research is field research with qualitative methods that are carried out in the descriptive analysis. The study was carried out in the Sinjai patent, the capital of South Sulawesi Province. The results showed that: the majority of staple food traders in the Sinjai Central Market have understood and applied Islamic business ethics as exemplified by the Prophet Muhammad saw in trading. This can be seen from the indicators of staple food traders about understanding business ethics reaching 19 people or 95% and staple food traders carrying out an attitude of honesty reaching up to 19 people from 20 informants or 95%.
Keywords : Ethics, Islamic Business
Zakat Sebagai Variabel Intervening dalam Mempengaruhi Pertumbuhan Ekonomi di Indonesia
Authors: Kurrotaa'yun Nuriski Wahyu Nita 
Published: March 2024

Indonesia's economic growth has fluctuated based on the size of the Gross Domestic Product (GDP). This study discusses consumption and investment factors as economic growth factors departing from the equation Y = C + I by adding zakat as an intermediary factor based on the large potential of zakat in Indonesia. This study aims to: (1) examine the effect of consumption on economic growth in Indonesia, (2) examine the effect of investment on economic growth in Indonesia, (3) examine the effect of zakat on economic growth in Indonesia, (4) examine the effect of consumption on economic growth through zakat, (5) examine the effect of investment on economic growth through zakat. The research method uses a quantitative approach, secondary research data with a saturated sample of 44 samples, namely quarterly data on economic growth, consumption, investment, and zakat distribution from quarter I-2011 to quarter IV-2021. The research results show implications for Zakat managers and the Government to be able to synergize together to optimize zakat management to be able to intervene and accelerate the rate of economic growth.
Keywords: Consumption, Investment, Economic Growth, Zakat
Strategi Implementasi PSAK 109 Dalam Peningkatan Akuntabilitas dan Transparansi Pelaporan Zakat
Authors: Potton Zainal 
Published: March 2024

Abstract
Institutions that conduct zakat are required to keep accurate books of account and be ready to be audited by a public accountant. Amil zakat financial statements will have problems being audited if the zakat institution has not implemented zakat accounting. In fact, an audit is one of the most crucial steps to increase public trust in zakat management organizations. Where PSAK 109 concerning zakat, infaq, and alms is obligatory to become a guideline for financial reporting for zakat, infaq, and alms institutions. The purpose of this study is how PSAK 109 Implementation Strategy in Improving the Accountability and Transparency of Zakat Reporting. The research method used is a qualitative descriptive approach. The techniques used to collect research data included observation, documentation, and interviews with informants from the finance, collection, and distribution sections of BAZNAS Enrekang Regency. The data analysis technique used was the method of triangulation of data interview documentation, observation and data reduction were used followed by drawing conclusions. The results of the study show that BAZNAS of Enrekang Regency has implemented PSAK 109, kept records with accountability and presented transparent financial reports.
Keywords: BAZNAS, Accountability, Transparency, Financial Statements
Integrated Quality Management toward Community Economic Empowerment at Micro Waqf Bank
Authors: Syahriana Nur Alfy , Ni’ami Mohammad Fauzan , - Sudirman 
Published: March 2024

Abstract
The issue of poverty that occurred for years brings the government's attention until it appears breakthroughs. One of the breakthroughs in the economic sector is to establish Micro Waqf Bank (BWM) which is expected to improve community economic development surrounding the Islamic Boarding School. This research aims to describe Integrated Quality Management (IQM) theory toward the BWM management process, to explain the management of Micro Waqf Bank (BWM) Tebuireng in detail, and to show how the implementation of IQM in Micro Waqf Bank (BWM) Tebuireng. This research involved an empirical study with a qualitative approach. While the primary and secondary data sources were collected through interviews and documentation. The research results indicated that the concept of IQM can be used as a benchmark for whether the quality management of financial institutions has been linked to Islamic values or vice versa. The fund management of BWM Tebuireng is divided into three stages, such as fundraising, fund distribution to customers, and regular reports. Finally, the management has been based on the six principles of IQM which include a focus on customers, process improvement, total involvement, avoiding speculation (gharar), avoiding ambiguity, and no coercion.

Abstrak
Persoalan kemiskinan yang berlangsung selama bertahun-tahun selalu menjadi perhatian pemerintah sampai akhirnya dicetuskan terobosan-terobosan baru. Salah satu bentuk terobosan tersebut dilakukan pada sektor ekonomi melalui pendirian Bank Wakaf Mikro (BWM) yang diharapkan mampu meningkatkan perekonomian masyarakat di sekitar pesantren. Penelitian ini bertujuan untuk memaparkan tawaran teori Integrated Quality Management (IQM) untuk proses pengelolaan BWM. Kemudian menjelaskan pengelolaan BWM Tebuireng secara rinci. Diakhir, akan ditunjukkan bagaimana implementasi IQM di BWM Tebuireng. Penelitian ini termasuk kajian penelitian empiris dengan pendekatan kualitatif. Lalu sumber data primer dan sekunder dikumpulkan melalui serangkaian proses wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa konsep IQM dapat digunakan sebagai tolok ukur apakah pengelolaan lembaga keuangan sudah mempunyai kualitas mutu yang sesuai dengan nilai-nilai ke-Islaman atau justru sebaliknya. Kemudian pengelolaan dana BWM Tebuireng dibagi menjadi tiga tahap, yaitu penghimpunan dana, penyaluran dana kepada nasabah, dan laporan rutin. Terakhir, pengelolaan tersebut sudah sesuai dengan enam prinsip IQM yang meliputi fokus kepada pelanggan (focus on customer), perbaikan proses (process improvement), keterlibatan total (total involvement), terhindar dari spekulasi (gharar), terhindar dari ketidakjelasan, dan tidak adanya paksaan.
Strategi Pemasaran dan Pelayanan Produk Sisuka Dalam Meningkatkan Loyalitas Anggota Baitul Maal Wat Tamwil (BMT)
Authors: Sulistyorini Sulistyorini , Setyarini Any , Dwiantari Scorina 
Published: March 2024

Abstract
SISUKA is a voluntary term deposit in the financing and fundraising industry and is the most dominant deposit in BMT Hudatama Semarang City. In carrying out one of its duties in providing funds from customer members, both on a small scale and on a large scale. Therefore, a strategy is needed to increase customer loyalty through marketing strategies and product service strategies.
Research approach uses a qualitative approach by explaining or describing clearly and in detail a phenomenon and obtaining complete data about the subject of research. The method used in this study is comparative descriptive, namely by the way researchers describe the findings in the field from the results of interviews, observations and documentation. The subjects of this study are the Head of BMT Hudatama, employees of marketing, cashiers and CS as well as BMT Hudatama customers with certain secretaries. Data collection techniques in this study used data collection methods with observation, interviews and documentation. Data validation techniques use triangulation.
The results of this study will report on the mechanism of SISUKA products (Voluntary Time Savings), marketing strategies through market segmentation, produc, price, promotion, and place as well as product services carried out through tangible, Emphaty, Reability, Responsivenes, Assurance. With a good mechanism, marketing strategy and good service will be able to increase customer interest in raising funds at BMT Hudatama so that customer loyalty increases.
Penerapan Etika Bisnis Islam Dalam kegiatan Entrepeunership (Study kasus AHASS Putra Merdeka 01499 Surabaya)
Authors: Zustika Anisa Fadilah , Ubaidillah Naufal 
Published: March 2024

This study aims to analyze the application of Islamic Business Ethics in the management of the workshop Ahass Putra Merdeka 01499 Surabaya. The study used a qualitative approach by conducting indept interviews. Further analyzed using descriptive analysis methods.
The results of this study concluded that the management of ahass putra merdeka 01499 Surabaya workshop in accordance with the basic values of Islamic Business Ethics. The first is the value of Tawheed to carry out buying and selling activities without a usury system and to sell certain goods, namely motor spare parts and providing services and understanding all ownership belongs to Allah so that the workshop owner performs zakat every year as an obligation and performs shodaqoh every day to help fellow human beings , both intellectual values and responsibilities, the third value of worship workshop owner requires for a matter of 5 times for employees so as not to leave the obligations of a muslim and perform prayers before doing activities to seek the pleasure and blessings of Allah, the fourth value tazkiyah owner apply the principles of honesty, justice, openness, the fifth value ihsan kindness to others, and togetherness.
The results of the study stated that the basic values in Islamic business ethics have been fully applied in the management of Ahaas Putra Mederka 01499 Surabaya workshop. To support these values, it is necessary to upgrade several things both technically and facilities.
The Study of Business Actors Readiness for the Obligation to Implement Halal Certification in West Nusa Tenggara
Authors: Diwanti Dyah Pikanthi 
Published: March 2024

The objective of the study is determining the readiness of business actors, in this case, micro, and small business actors in West Nusa Tenggara (Nusa Tenggara Barat – NTB). The challenge faced by the consumers is the limited products that have been certified halal. There are still many services or products that are a necessity for most consumers which are not yet halal-certified. This is what makes consumers immaterially disadvantaged, namely: consumers do not get their rights to obtain halal services or products. Therefore, the government and stakeholders need to provide guidance to business actors and consumers.
On the other hand, a small number of MSME business actors still consider halal certification to be a hassle, so they are reluctant to be certified as halal. Another factor that hinders the implementation of halal product guarantees is that information about products from business actors is still not disclosed. The research is conducted with descriptive qualitative method. The research informants are micro and macro entrepreneurs in NTB. The data collection techniques use questionnaires or questionnaires, interviews, and documentation to get more in-depth results and avoid bias. The data analysis uses the Miles and Huberman model which consists of four activities of data collection, data reduction, data display, and conclusion/verification. The results obtained from the implementation of halal certification are not optimal. There are still many MSME actors who are not aware of the importance of halal certification in the processed food products they produce.
Indeks Saham Syariah Indonesia: Pengaruh Faktor Makro Ekonomi Di Masa Pendemi Dan Pasca Pendemi
Authors: Hidayat Achmad , Mubyarto Novi , Ritonga Ahmad Husein , Sunarti Zeni 
Published: March 2024

This research is presented based on an event where the Indonesian Stock Exchange (IDX) recorded an ISSI increase of 13.9% from March 2 2020 to March 31 2021 in line with an increase in the Islamic stock market index. This strengthening actually occurred at a time when Indonesia's macroeconomic conditions experienced a contraction during the Covid-19 pandemic. According to Martalena and Maya Melinda there are at least five economic factors that can influence stock price movements, namely inflation, government policies regarding fuel prices, national income per capita, currency exchange rates, interest rates. So based on this theory, researchers took three factors that influence stock price movements in the Indonesian Sharia Stock Index in 2020-2022, namely Interest Rates, Rupiah Exchange Rate and Inflation.
This study uses a descriptive quantitative approach with multiple linear regression analysis..
The results of this study found that Interest Rates and Rupiah Exchange Rates had a significant negative effect on ISSI while Inflation had a significant positive effect. where if inflation strengthens, ISSI will also increase based on the period mentioned. The level of explanation of the independent variable on the dependent variable is 69.1% where 30.1% is influenced by other variables.
Analisis Implementasi Manajemen Mutu Iso 9001:2015 Pada Kegiatan Pendayagunaan Di LAZ BMH Kalimantan Timur
Authors: Rofiq Muhamamad , Pakkana Mukhaer 
Published: March 2024

This research has the purpose of analyzing the application of ISO 9001:2015 quality management principles to the Utilization division at LAZNAS Baitul Maal Hidayatullah (BMH) east Kalimantan. The method in this research is descriptive qualitative using primary data and supported by secondary data. Techniques for collecting data used in this study are interviews observations of leadership and management elements, program and utilization departments as customers in this case as beneficiaries, that it is supported by notes or documents institution. While the population includes the BMH network in 4 districts/cities in East Kalimantan.
Based on the results of the study, it was found that 7 ( seven ) ISO principles had been applied in the East Kalimantan BMH program and utilization division, including customer focus, leadership, people involvement, process approach, improvement, evidence-based decision-making, and good relationship management. The problems found are the understanding of amil or employees that is not optimal and consistency in a recording. The benefits of this research are expected to provide input and feedback on the implementation of ISO 9001:2015 quality management at BMH East Kalimantan.
Buket Uang Dalam Perspektif Hukum Islam Dan Hukum Positif
Authors: Midisen Kisanda 
Published: March 2024

This article aims to determine the perspective of Islamic law and positive law in Indonesia on the phenomenon of the rampant sale and purchase of a bouquet of money in the form of a bouquet of flowers. And at the same time trying to compare the legal point of view in Islamic law and positive law on the bouquet of money. This research is a field and literature research, with the type of qualitative observative and descriptive analytical research whose explanation uses exposure and description of the problem being studied. Data collection techniques are carried out by conducting field observations of existing phenomena and then clashing with the point of view of Islamic law and positive law. The data analysis technique used is by performing the stages of data collection, data reduction, data presentation, and drawing conclusions from the research results.
The results of the study are based on the perspective of Islamic law that the use of money as a bouquet is allowed if there are no transactions that contain elements of usury, while in positive law what must be considered is that it does not change the value and function of money and does not conflict with Law Number 7 Article 25 of 2011 concerning Currency.
Interkonektif Hukum Islam Dan Hukum Positif Pada Berakhirnya Kontrak (Akad) Bisnis Syariah
Authors: Yunita Isna 
Published: March 2024

ABSTRAK
Kontrak pada hukum bisnis syariah, dapat diartikan sebagai sebuah proses pelaksanaan transaksi antara satu orang dengan orang lain yang terikat oleh hukum karena satu pihak mempresentasikan penawaran dan pihak lain melakukan penerimaan serta memanfaatkan sumber daya ekonomi sebagai objeknya sesuai aturan-aturan yang telah ditetapkan secara hukum Islam. Kontrak bisnis syariah bisa juga diartikan sebagai suatu perikatan antara ijab dan Kabul dengan cara yang dibenarkan oleh hukum Islam yang menetapkan adanya akibat-akibat hukum. Berbicara akan kontrak tentang kesepakatan kedua belah pihak untuk memulainya, maka akan terdapat juga langkah-langkah yang menjadikan kontrak itu berakhir. Tulisan ini memiliki tujuan untuk memahami hal yang harus dilakukan pada pelaksanaan untuk berakhirnya sebuah kontrak dalam perspektif hukum Islam.
Adapun metode penelitiannya ialah jenis penelitian kualitatif, dengan data yang dikemas dalam penelitian ini adalah data sekunder yang diperoleh dari review literatur dari penelitian ilmiah sebelumnya yang kemudian dianalisis secara mendalam menggunakan teori yang relevan. Hasil penelitian pada makalah ini ialah, berakhirnya kontrak pada hukum bisnis syariah terdiri dari, berakhirnya akad karena sudah terpenuhi, terminasi akad, kematian, serta tidak memperolehnya izin dari pihak yang memiliki kewenangan.
Pemikiran Sosiologi Ekonomi Islam
Authors: Nurjanah Nurjanah 
Published: March 2024

Abstract
This study carries the thought of Islamic economic sociology as an approach that combines the principles of Islamic economics with social analysis in understanding economic phenomena in the context of Muslim societies. The purpose of this research is to identify the main issues in Islamic economic sociology thinking, explain the research objectives, present the methods/approaches used, and summarize the research results.
This research identifies several main issues in Islamic economic sociology thinking, including distributive justice, economic and environmental sustainability, and ethical values in business. This research aims to deepen understanding of this thinking and its relevance in dealing with contemporary economic challenges. The method/approach used is an analysis of literature and classical Islamic texts, as well as relevant empirical research.
The results of the study show that the sociological thinking of Islamic economics makes an important contribution to understanding economic phenomena in Muslim societies. Islamic principles, such as distributive justice, sustainability, and ethical values, form the foundation for building an inclusive and sustainable economic model. This research also uncovers important issues such as social inequality, gender inequality, and environmental impact on economic activity.
The results of the study show that Islamic economic sociology has the potential to provide a comprehensive view of overcoming social and economic challenges in Muslim societies. This research concludes that this approach can be a source of inspiration for sustainable economic policies, as well as promoting justice, balance, and prosperity for all members of Muslim society.