RSS 1.0Islamic Ethics
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The Islamic Ethics collection offers a new model for sharing Islamic knowledge and resources across national and cultural barriers in order to make the diversity within Islamic thought and practice more visible and documents accessible for a global community.
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Al-Ḥamdu li’llāhi Rabbi’l-ʿĀlamīn ‘Praise to God, Lord of the Worlds’ : an introduction to Qur’anic ecology and resonances with Laudato Si’An Introduction to Qur’anic Ecology and Resonances with Laudato Si’ presents Qur’an-based theological and ethical principles that are applicable to integral ecology. This study presents clear and strong Qur’anic guidelines that can be referred to by Muslims in addressing the ethical, ecological and environmental issues faced today. The study relates the central encyclical idea of integral ecology to several Islamic concepts, particularly the interconnected unity of all creation, the innate nature of God and humankind, and theQur’anic principles of mercy, balance, justice, and moderation. Key Muslim faith-based critiques of the human actions that have led to the current global predicament are also discussed. These critiques accord with aspects of Catholic social teaching. This study unpacks the Qur’anic resonances with the foundational themes presented in the preliminary section of Pope Francis’ encyclical, Laudato Si’: On Care for our Common Home published in 2015. It demonstrates that significant common ground exists betweenQur’anic and encyclical perspectives with regard to these themes, including perceptions of the natural world as a precious part of God’s creation; the interrelatedness of all creation; the understanding of humankind as the being in whom earth and spirit are conjoined; the need for divine guidance; and the need for people to manifest ethical care towards other humans, all living creatures and the earth itself. Conceptual overlaps such as these providea strong foundation for Catholic-Muslim interfaith partnerships, as we seek to care for our common home.
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Monopoli dalam Perspektif Ekonomi IslamThis research aims to discuss the monopoly in Islamic Economic perspective. Monopoly in Islamic economic perspective means withholding or hoarding goods on purpose, especially in times of scarcity, with the goal of raising the price at a later date in order to obtain greater profits. Monopolistic practice is a type of violation will result in mu‘âmalah because market mechanisms disrupted, so that producers will get a big profit (monopolistic rent), while the consumer due to the accumulation of actions will suffer and get loss. Therefore, this monopoly will bring people in general harmed by the act of a small group of monopolists very unjust, selfish and irresponsible.
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Analisis Intensi Muzakkî dalam Membayar Zakat ProfesiThe aim of this research is to determine the influence of attitude, subjective norm, behavioural control, muzakkî income, muzakkî education, and muzakkî knowledge to the muzakkî intention of paying profession of zakâh. The method of the research is a quantitative method while data analysis techniques use multiple regression analysis. Number of samples analysed are 150 respondents drawn at random from all areas of Jakarta. Based on multiple regression analysis, it can be seen that the variables together attitudes, subjective norms, behavioural control, income, education, and knowledge has significant influence on the variable of muzakkî intention.
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الإلتباس فى لغة القرآن ودوره فى تعمیمهThis article attempts to find out the ambiguity of the meaning in some verses in Al-Quran. The author assumes that Arabic language that used in Qur’an has beautiful, fine and standard ambiguity. Because of the ambiguity of the Qur’an language, almost all the words in the verses of the Qur’an can be interpreted. The ambiguity is one of the semantics studies used in studying the meaning. The philosophers and the linguists employ three methods in studying the meaning, namely: 1) explaining the words naturally, 2) describing the sentences naturally, and 3) elaborating the meaning in the process of communication. Furthermore, to elaborate the meaning, one should view it from the aspects of word, of sentence, and of what the writer and the speaker need to communicate. All the processes of meaning have been applied in the Qur’an language in order to be comprehended by people more easily.
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Analisis Segmen Pasar dan Perilaku Nasabah Bank SyariahThe purpose of this research is to identify the market segment and customer behaviour toward Islamic banking and its marketing implications in all regions of DKI Jakarta. The analytical tools applied are analysis of cluster, factor and descriptive. The result of this research for segmentation aspect showed the characteristics and size of each market segment of Islamic banks. The market segment consists of syariah loyalist, floating mass and conventional loyalist. From this research, floating mass segment is the most potential segment due to its market size compared to syariah loyalist and conventional loyalist segments.
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تغير سعر النقدThis article considered one of the significant issues in Islamic financial fiqh because it bears a close relation to financial commitment. Many fiqh treatments from a Sharia perspective were found in Islamic ancient fiqh. This issue was apparent in Islamic banks investment especially in murâbahah. The study concludes that it is a must who owes amount of money and its value changes to high or low to pay the value of money then, and not the actual amount. Furthermore, it shows that the treatment of fluctuations in money value comes by linking its value with some indicators, including stable currency and the linkage to gold or silver.
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Dampak Kebijakan Spin-Off Terhadap Kinerja Bank SyariahThe purpose of this study is to discover the differentiation of financial performance from five sharia banks in Indonesia (BNI Syariah, BRI Syariah, BJB Syariah, Bank Syariah Bukopin, and Bank Victoria Syariah) one year before spin-off activity and one year after spin-off activity. The method used in this research is Wilcoxon Match Pairs Test with nine variables, which are asset, financing, third party funds, net incomes, and five ratios: CAR, NPF, FDR, ROA, and ROE. The results of this study are four variables indicate that there are differences in financial performance. Therefore, sharia business units should prepare themselves before clause of spin-off in 2023.
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Kontribusi Islam Terhadap AkuntansiThis study will focus on the comparison between the accounting and another definition to find the harmony and unity of meaning in it. This study uses the approach of the historical development and significance of accounting in Islam. in the perspective of the Quran and Hadith, the meaning of accounting is general and covers the whole of human activity in the lives interact and transact among others, both religious and related fields mu‘âmalah areas and socioeconomic transactions in general.
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Pengaruh dan Implikasi Sistem Rekrutmen Keagenan Terhadap Kinerja SDM pada AJB Bumiputera 1912 SyariahThis study aims to analyse the influence of the agency recruitment system and its implications for human resources performance on AJB Bumiputera 1912 Sharia. This analysis uses descriptive quantitative method with simple regression calculation. The analysis results show that there is a significant influence between agency recruitment systems with human performance in AJB Bumiputera 1912 Syariah Jakarta Regional Office. Implications of the requirements that contained in agency recruitment system are also seen in human performance that is outside the employee's official.
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Asas Indemnitas dan Kafâlah dalam Asuransi SyariahThe aim of this paper is to discuss the principles of indemnity and kafâlah in takâful. The main objectives of a person to invest are to become wealthier and to gain tranquillity in his life. It becomes absurd when the right customers for indemnity (kafâlah) towards customers who received a risk become unguaranteed. The customer is often difficult to understand the terms contained in the insurance policy that written in a very small font. The ambiguities of these terms become significant obstacles in the settlement of claims. Cases of claim are mostly the result of the customer’s difficulty in understanding these terms and the lack of a good explanation of the company concerning the content of the policy.
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Menimbang Gadai Emas Sebagai Instrumen Investasi SyariahThis article attempt to review the gold pawn as an instrument of sharia investment. The increasing of gold prices and high interest of the community to invest in gold responded by Islamic banking through Islamic gold pawning services with the term "gardening gold". This investment is a modification of the mortgage system in Islamic banks and pawnshops. This investment is not neither a product of Islamic banks and Islamic pawnshops. Islamic financial institutions provide only mortgage facilities not including investment to customers. The nature of the gardening gold transaction is to borrow money to pay the storage fee pawned gold and then to expect a rise of the gold price at market exceeding the costs of the bank.
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Penyelesaian Sengketa Perjanjian Syariah pada Lembaga Keuangan SyariahThis article discusses about dispute settlement sharia agreement in Islamic financial institutions. Dispute settlement in Islamic tradition has been carried out since the era of Prophet Muhammad Saw. This is done through the courts (litigation) and through shulh, fatwâ, mazhâlim, and hisbah, known as nonlitigation. The form of mu‘âmalah dispute settlement especially applicable nowadays is almost the same as those prevailing at the time of the Prophet. Litigation through the judicial institutions and non litigation settlement called as alternative dispute resolution (ADR) is known by the term shulh in fiqh, while the path through arbitration is known in fiqh as tahkîm.
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Penerapan Metode Multiple Discriminant Analysis untuk Mengukur Tingkat Kesehatan Yang Mengindikasikan Gejala Financial Distress pada Bank Umum SyariahThis research aims to account, analyse and compare the level of Islamic commercial bank’s health using CAMELS method mentioned in PBI No.9/1/PBI/2007 and SEBI No 9/24/DPbS/2007 and using multiple discriminant analysis (MDA) Altman z-score method. There are only four of six factors that used in CAMELS: capital, asset, earning and liquidity excluding Management and Sensitivity of Market Risk factor. The variables of capital factors are KPMM and ECR ratio. Asset factor consist of KAP and NPF ratio. Earning factor contains four ratios, such as NOM, ROA, ROE and REO.
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Analisis Komparasi Investasi Dinar dan Investasi Reksadana Pasar Uang SyariahThe aim of this study is to analyse the return and risk in Dinar Investment and Syariah Money Market Mutual Funds which result from movement Price Dinar and NAB Reksadana Pasar Uang Syariah at period of January 2008 until December 2012. The study used the test resulted of expected return dinar equal to 1,56% while Sharia Money Market Mutual Fund equal to 2,74%. And risk Dinar equal to 5,65% while Sharia Money Market Mutual Fund equal to 55,6%. Based on the analyses of return Sharia Money Market Mutual Fund better than Dinar. However, Sharia Money Market Mutual Fund has significant higher than Dinar. The aim of this study is to analyse the return and risk in Dinar Investment and Syariah Money Market Mutual Funds which result from movement Price Dinar and NAB Reksadana Pasar Uang Syariah at period of January 2008 until December 2012. The study used the test resulted of expected return dinar equal to 1,56% while Sharia Money Market Mutual Fund equal to 2,74%. And risk Dinar equal to 5,65% while Sharia Money Market Mutual Fund equal to 55,6%. Based on the analyses of return Sharia Money Market Mutual Fund better than Dinar. However, Sharia Money Market Mutual Fund has significant higher than Dinar.
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Sumber-Sumber Pendapatan dan Pengeluaran Negara IslamThis paper describes the sources of Islamic state revenue and expenditure. The author shows that in Islamic state, especially in Prophet Muhammad and Khulafaur Rasyidun period, the sources of state revenue is from zakat, ghonimah, Khumus, Fay’, Jizyah, and Kharâj. This fund is for financing the needs and the main program of government and society. There are two kinds of expense in Islamic state: bound expense and free expense. Bound expense is when expense distribution from the revenue is allocated to the certain objects such as zakat, khumus, and waqf. In zakat, the collected fund accumulation is considered wrong by syari’at to be used except for the eight human classes who have the right of zakat or known as mustahiq zakat. In other hand, the free expense is based on the condition and needs.
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Islam, Globalization, and Poverty AlleviationThis article analyses the Islamic perspective on poverty alleviation in globalization era. The author states that globalization that has the same meaning with internationalization, increasing integration and interdependence among nation, liberalization, and the global power rule over low power country. Globalization itself speeded up by the help of technology, deregulation, and media. It is also easily understood by free trade as it has the same characteristic with globalization. For instance, using dollar as the official currency for international transactions, so that dollar dominates in international transactions. As a result, the value of the debt of developing countries has increased due to the rising price of dollar. The increment of the debt value in developing countries led the government reduces subsidies for the community. Thus economic hardship perceived more and more for poor people. In Islamic perspective, the author states that Islamic economic system has its own system in alleviating poverty Trough zakat and waqf.
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Zakat, Infak, dan SedekahThis article aims to discuss Zakâh, Infâq, and Shadaqah as the capital and ideal model of modern finance and economic development. Zakat is the designation for a particular property that intentionally released to be channelled to mustahiq. Other financial types that always accompany or included with it are zakat, infak and sedekah. ZIS funds can be considered as a triad of economic resources and short-term Islamic finance in synergy with other funding sources, such as grants, wills, and endowments-oriented for long-term interests. In addition to its management structure and mechanism is relatively simple and efficient, zakâh can be said always completely ready to cope with urgent needs. ZIS funds in enforceability of all peoples and Muslim nations showed that zakâh system appropriate to be used as capital and financial economic model and the most modern of all time.
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Pengaruh Instrumen Moneter Syariah dan Ekspor Terhadap Pertumbuhan Ekonomi di IndonesiaThe aim of this research is to analyse the effect of total financing in Islamic banking (PEM), Sharia Certificate of Bank Indonesia (SBIS) and export contribution to economic growth in Indonesia. The method used in this study is error correction model (ECM). The result showed that in short-run SBIS gave a negative impact to economic growth, otherwise the total financing and export contribution didn’t have an impact to economic growth. In the long-run, total financing, SBIS, and export contribution have a negative impact to Indonesian economic growth.
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Mekanisme Pasar dan Kebijakan Penetapan Harga Adil dalam Perspektif Ekonomi IslamThis paper discusses the Islamic economy perspective on market mechanism and fair pricing policy. In contrast to conventional system, the concept of Islamic economy emphasizes that market mechanism and price arrangement need to be regulated to create market balance and economic justice, taking into consideration the interest of the parties involved in the market. Reasonable and fair price is the price obtained through the force of supply and demand. If there exist actions such as zhulm resulting distortion or imbalance market price, government needs to take steps to implement price arrangement taking into account factors causing distortion and restore the original price at the balance point.
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Kekayaan Intelektual dalam Perspektif Ekonomi IslamThis article discusses about the intellectual property rights in Islamic economics perspective. Intellectual property rights in Indonesia are regulated comprehensively, whereas Islamic texts do not explain them in a specific way. Rights in Islam are a divine gift as guidance in determining the laws of sharia. Every person is obliged to respect the rights of others, and it is obviously forbidden to destroy or trample these rights. Moreover, the owner of the rights should use them properly without causing harm to others. In economic perspective, a person is prohibited trading a thing that does not belong to him/her, causing violation of copyright laws. Intellectual works of a person are regarded as the intellectual property. Islam appreciates these rights in qualifying the rights attached to their owner.
