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Al-Mawarid Jurnal Hukum Islam
Al-Mawarid Jurnal Hukum Islam adalah jurnal berkala ilmiah yang diterbitkan oleh Jurusan Syari’ah Fakultas Ilmu Agama Islam Universitas Islam Indonesia Yogyakarta bekerjasama dengan Himpunan Ilmuan dan Sarjana Syari’ah Indonesia ( HISSYI). Jurnal ini mengkhususkan diri pada kajian, penelitian, pengembangan pemikiran Hukum Islam dan isu-isu kontemporer. Al-Mawarid Journal of Islamic Law is a scientific periodical journal published by the Department of Shari’ah the Faculty of Islamic Studies Islamic University of Indonesia Yogyakarta Indonesia in cooperation with the Association of Shari’ah Scientists and Scholars of Indonesia ( HISSYI Himpunan Ilmuan dan Sarjana Syari’ah Indonesia ). This journal specializes in the discourse, research, development of Islamic law thought and contemporary issues.
Articles by issue : Vol 10 (2003): Lembaga Keuangan Islam
12
Articles
KUALIFIKASI MANAJEMEN LEMBAGA KEUANGAN MENURUT PETUNJUK SYARI’AH

Jannah, Sofwan

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

The syaria finance institution (LKS) can be managed well, if it’s done by professional people who have commitment to Islamic syaria, in order to get guidance of Allah SWT. Appreciation and society belief of syaria finance institution’s activities in Indonesia today. Bank Muamalat Indonesia (BMI) who gets the 7th grade and 13th for Bank Syariah Mandiri (BSM) of 62 banks, have given the evidence of the management and work of syaria finance institution arn’t worse then the convensional finace institution.

KONTRAK KERJA: ANTARA KESEPAKATAN DAN TUNTUTAN PENGEMBANGAN SDM (Perspektif Ekonomi Islam)

Mukharrom, M. Tamyiz

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

Manusia adalah makhluk sosial. Sudah menjadi kodrat manusia memiliki rasa saling ketergantungan (interdependensi) satu sama lain. Dalam menjalani kehidupan, kebutuhannya terhadap orang lain merupakan keniscayaan sejarah (dharuriyy). Tolong-menolong, bantu-membantu, dan bekerja sama merupakan watak dasar dari kehidupan manusia di dunia.

JAMINAN PERUNDANG-UNDANGAN TENTANG EKSISTENSI LEMBAGA KEUANGAN SYARI`AH DI INDONESIA

Amin Suma, Muhammad

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

The author of this article explains that Islamic economics system actually has developed in Indonesia. But because of Dutch Colonized era and the government after, Islamic economics system has been marginalized in Indonesia. In the beginning of 1990s, Islamic economics particularly in monetary system that indicates the operating of Bank Muamalat Indonesia (BMI-Muamalat Bank of Indonesia) in 1992, Lembaga Keuangan Syari’ah (LKBS-Syariah Finance Institution), and Lembaga Keuangan Syari’ah Non Bank (LKSBB-Non-Bank Syariah Finance Institution).These institutions emerge at the time when economic crisis happen in Indonesia. According to the writer of the article the growth of Islamic economics institutions in Indonesia gives hopes. But the problem in the context of those is the legislations that regulate the institution do not appear yet.

LEMBAGA KEUANGAN SYARIAH DAN ARBITRASE MUAMALAT INDONESIA

Hidayanto, M. Fajar

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

Islamic Financial Institution and Instruments as instution is approved get optimal provit within is activities. Through assets placement on profitable investmen in minimum risk, which inspirate its mission and operational action. However, require, this instution to put great concideration …

MENJAWAB PROBLEMATIKA KONTEMPORER (Kajian terhadap Pemikiran Maslahah Mursalah al-Ghazali)

Kholis, Nur

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

The article below traces how Islamic law anticipates occurring of contemporer problematics according to Ghazali’s Maslahah Mursalah thought. According al-Ghazali, Maslahah Mursalah can be made as an argument for Islamic law determining if it fulfils many requirements: maslahat is suitable with syara’, maslahat is not contrary with al-Qur’an, as-Sunnah, and ijma, and maslahat is existing in daruriyat level or hajiyat that in same level with daruriyat. Maslahah mursalah is not independent dalil that stand alone from al-Qur’an, asSunnah, and Ijma’, but it is one of Islamic law istimbat methode. In other word, maslahah mursalah is not resource of Islamic law but methode of Islamic law discovering. Assembling of maslahah mursalah as dalil for Islamic law determining, it makes many moslems contemporer problematics can be known and determined although their law status not mentioned in al-Qur’an and as-Sunnah. So, maslahah mursalah assembling makes Islamic law always appropriate whenever and wherever.

PERSEPSI MASYARAKAT TERHADAP LEMBAGA KEUANGAN SYARIAH

Mu’allim, Amir

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

Some of elements in our society have responded the expansive development and growth of syariah banking contemptuously, moreover, among some moslems themselves.The contemptuous view of Islamic banking showed by people’s trust for Syari’ah Banking has been still relatively low. It shown by the moslem participation on investment and capital movement. Indeed, some of moslem intellectuals have criticized syariah banking, they considered of the transactions done by Islamic bankings, even, in contrary with its own-concept. In other words, it’s in compatible with syari’ah spirit. The contemptuous view can’t be separated from capitalism economic that’s been deeply rooted in our society. Learning the problem surrounding syari’ah finance institution and some of its positive value, it’s urgently required for this institution to improve its profesionality, in order to arise its image, next in future it hopefully able to spread wider merciful benefit . The effort increasing profesionality have to more attention of the relationship between syari’ah finance institution and consumers, a commitment of continuous inovation and also a balanced consideration of decision maker research. Operationally, profesionality improvement of syari’ah finance institution able to apply the Criteria Grade of Syariah banking Choice in Yogyakarta as its measurement. Key words: Persepsi, Pandangan, Lembaga Keuangan Syari’ah, Profesionalitas.

MEMBANGUN BURSA EFEK SYARI’AH YANG BERKUALITAS DAN BERDAYA SAING TINGGI

Irfan Shofwani, Muhammad

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

Stock Exchange Market is one of effective tool to accelerate the development of the country. Stock Exchange Market is one of alternative that can be used by the company to get capital needs. Althoght it has been banking institution, cause of leverage case, the company cannot get the many from bank instituion. Stock exchange market and bank institution have to be good partner. Economic crisis in 1997 had been a moment that realize Indonesian toward the weakness of economic macro and micro. The great of Indonesia development result in New Order era with Gross Domestic Bruto (GDP) and Gross National Bruto (GNP) indicator was only be deceit power. One of reasons was that our national power bulit on abroad debt, even government or non-government. The situation caused many dificulties when many of investation capital brought out of the country. The market need reformation, need not intervention. This is one of the opprotunies for academist and economist for developing moneter institution based on Syari’ah values. The proof of Bank Muamalat Indonesia (BMI) ability to exist in our banking system, when many others colaps, can be capital to develop Syari’ah economic institutions. Although the total asset of Syari’ah banking only 0,23% of nasional banking asset, but the development shows great signs. As a part of national moneter system, Syari’ah banking needs to be sopported by Islamic Exchange Market

[BOOK REVIEW] Uang dalam Perspektif Ekonomi Islam

., Yusdani

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

Manusia telah mempergunakan berbagai cara untuk memenuhi kebutuhan hidupnya. Pada tingkat peradaban yang masih sederhana, manusia melakukan barter -tukar menukar barang. Akan tetapi barter ini mensyaratkan adanya double coincidence of wants dari pihak-pihak yang melakukan barter tersebut. Semakin banyak dan kompleks kebutuhan manusia, semakin sulit melakukan barter sehingga mempersulit transaksi antarmanusia. Oleh karena itu, manusia dari dulu, sudah memikirkan perlunya suatu alat tukar yang dapat diterima oleh semua pihak. Alat tukar demikian disebut uang.

KUALIFIKASI SUMBER DAYA MANUSIA DI LEMBAGA KEUANGAN SYARI’AH

., Muhammad

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

Shari’ah Finance Institution has developed progressively nowadays, for instance Shari’ah Banking, Shari’ah Insurance, Shari’ah Exchange,Shari’ah Pawning, and Baitul Mal wat-Tamwil. For that reason, the existence of Shari’ah Finance Institution demands investor and manager those have certainly criteria. The minimum criteria that should be owned by finance institution either from the institution, investor or manager are the credibility and the professionalility. The credibility and professionality become so important because of (1) in order Shari’ah Finance Institution has a competitive advantage, and (2) problem of human resources that indicates the lower professionalities, lower understanding regarding moral and Islamic business ethics , and (3) to increase the professionalities is not only including the skill but also including a moral commitment and business ethic that originated from religion (Islam) as a guidance how to conduct Shari’ah Finance Institution in the future.

BANK ISLAM DAN HARAPAN UMAT (Studi Atas Kelebihan Bank Islam)

Zainuddin, Muhadi

Al-Mawarid Jurnal Hukum Islam Vol 10 (2003): Lembaga Keuangan Islam
Publisher : Islamic University of Indonesia

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Abstract

Bank practices that practice by commercial banks can’t be free from materialistic capitalism. Those practices has made social problems that threaten human civilization. The hidden “poor” processing has been running body and spiritual. It happens because human faces materialistic business. Their dream about developing of economy can’t make true because unemployment and recession. That’s why, Economic Moslems try to formulate economy systems that keep away from negative effects to human civilization. They found mistakes from ways of thinking in modem society. Materialistic capitalism paradigm has got weakness, and serious effects -for moral crisis. It makes human is like machines that doesn’t care about his existence in social things. If they do what we call social things, of course it is not only than save his individualistic-ego. This paper tries to find those problems, and of course to give the results. It needs to other chosen about conventional bank institute that works is based on materialistic capitalism, because it is only producing social problems. It bases on histories Rosulullohs rules that managed financial system in his time, and tried to find Allah’s message in His verses. Those economist find “metafora amanah” (instruction metaphore) as its a paradigm. That’s why Islamic bank is really suitable to have more position than conventional bank. Of course It’s “metafora amanah” (instruction metaphore) can have more positive effects of ideology from Islamic economy, and it’s specially for bank system. It’s based on this system, of course, human can have balance between individual’s rule and social’s rules. By this concept, Islamic bank, by operational transactions, will have more benefits than other conventional bank. Islamic bank make clear of all transactions, more transparent, far away from exploring from one side and manipulation, and accountable. Finally, those benefits will give good effects for society, because this orientation will give good corporate and sharing.