MAFTUKHATUSOLIKHAH MAFTUKHATUSOLIKHAH
Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

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MENGEMBANGKAN PENELITIAN SEJARAH PEMIKIRAN EKONOMI ISLAM MAFTUKHATUSOLIKHAH, MAFTUKHATUSOLIKHAH
At-Taradhi Vol 4, No 1 (2013)
Publisher : At-Taradhi

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Abstract

As one of the social sciences, economics needs to go back to history in order to realize theexperiments and derive the change in its economic trends. This paper aims to respond to the phenomenon of the lack of serious attention has been paid to heritage of the history of Islamic economic thought by centres of academic research in economics. Exploration of the methodological framework that can be used in the study of history of Islamic economic thought, expected to attract students and researchers beginners, to do research in history of Islamic economic thought. Because of studying the history of Islamic economic thought, indeed will help us to find resources of thinking forcontemporary Islamic economic.
MEMPERTIMBANGKAN TINGKAT MAQASID ASY-SYARI’AH DALAM PENENTUAN ANGGARAN BELANJA PEMERINTAH (EVALUASI TERHADAP APBN 2008-2013) Maftukhatusolikhah, Maftukhatusolikhah
Intizar Vol 21, No 1 (2015): INTIZAR
Publisher : Pusat Penelitian dan Penerbitan Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M)

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Abstract

AbstractThis paper is the result of a study evaluating three things, namely: how to position maqasid ash-Shariah in the perspective of Islamic economy, how to determine the state budget according to the perspective of maqasid ash-Shariah, and how to distribute  the state budget based on the perspective of maqasid ash-Shariah. Of the three issues were then further clarified about the ideas and basic principles of Islamic economy related to the maqasid ash-Shariah. In addition, the approach also addressed the value associated with the state budget in the system of Islamic economy. Furthermore, the concepts of Islamic economy on the state budget that can be applied in real life were discussed. To obtain the data, three methodological frameworks in Islamic economy were used. They consist of the idea and the basic principles of Islamic economy, Islamic value approach towards the conditions of Islamic economy, and the concept of Islamic economy that can be derived in real conditions. It can be concluded that at first the state budget should be based on five aspects: the maintenance of religion, life, lineage, sense and treasure. Second, according to maqasid ash-Shariah by using domain analysis and looking at the realization of state budget in 2008 – 2013, the budget did not describe the level of the existing maqasid ash-Shariah or in the moderate level. It can be seen from the hierarchy pooling of maqasid ash-Shariah that the maintainance of life (hifdzu an-nafs) ranks first with a total budget of Rp. 137.4 trillion; followed by the maintenance of treasure (hifdzu al-mal) with a total budget of 122.9 trillion; maintenance of sense (hifdzu al-aql) with a total budget of 121 trillion; maintenance of religion (hifdzu ad-din) with a total budget of 40.6 trillion; and maintenance of lineage (hifdzu an-nasl) with a total budget of 12.4 trillion. Keywords: Maqasid ash-Shariah, the distribution of state budget
Mempertimbangkan Tingkat Maqasid asy-Syari’ah dalam Penentuan Anggaran Belanja Pemerintah (Evaluasi terhadap APBN 2008-2013) Maftukhatusolikhah, Maftukhatusolikhah
Intizar Vol 21 No 1 (2015): Intizar
Publisher : Pusat Penelitian dan Penerbitan Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/intizar.v21i1.295

Abstract

The result of a study evaluating three things, namely: how to position maqasid ash-Shariah in the perspective of Islamic economy, how to determine the state budget according to the perspective of maqasid ash-Shariah, and how to distribute  the state budget based on the perspective of maqasid ash-Shariah.  It can be concluded that at first the state budget should be based on five aspects: the maintenance of religion, life, lineage, sense and treasure. Second, according to maqasid ash-Shariah by using domain analysis and looking at the realization of state budget in 2008–2013, the budget did not describe the level of the existing maqasid ash-Shariah or in the moderate level. It can be seen from the hierarchy pooling of maqasid ash-Shariah that the maintainance of life (hifdzu an-nafs) ranks first with a total budget of Rp. 137.4 trillion; followed by the maintenance of treasure (hifdzu al-mal) with a total budget of 122.9 trillion; maintenance of sense (hifdzu al-aql) with a total budget of 121 trillion; maintenance of religion (hifdzu ad-din) with a total budget of 40.6 trillion; and maintenance of lineage (hifdzu an-nasl) with a total budget of 12.4 trillion.  
Mempertimbangkan Tingkat Maqasid asy‐Syari’ah Dalam Penentuan Anggaran Belanja Pemerintah Maftukhatusolikhah, Maftukhatusolikhah
I-Finance Journal Vol 1, No 1 (2015): I-Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

Consideration on rate of maqasid asy‐syariah in the determination of centralgovernment budgeting becomes a vital point to be in line with Islamiceconomics perspectives. Based on the evaluation of budgeting policy by centralgovernment, this research finds out that there is lack of rate maqasidconsideration on realization of the central government budgeting. Thisresearch suggests on forthcoming budgeting policy the central governmentshould taken in to account the rate of maqasid asy‐syariah in his budgetingrealizationKey Words: Maqasid asy‐Syariah, Budgeting, Fiscal Policy
PENALTY IMPOSED ON DEBT PAYMENT DELAYING-CAPABLE-CLIENTS: A STUDY ON DSN-MUI’S FATWA NO. 17/DSN-MUI/IX/2000 Maftukhatusolikhah, Maftukhatusolikhah
Jurnal Iqtisad Vol 4, No 2 (2003): English Version
Publisher : Jurnal Iqtisad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iqtisad.vol4.iss2.art5

Abstract

Islamic banking is an obvious sample of Islamic economic system implementation, and hence, problems around Islamic banks are interesting to study.  As a system differing from conventional, both in terms of ontology and epistemology, Islamic banking is expected to be able to offer a truly Islamic system that is in line with the Quran and Sunnah. Therefore, if any problems emerge on it, the solutions will be determined according to Islamic law.One of the problems faced by Islamic banking is the handling of debt payment delay-ing-capable-clients. Delaying debt payment is an action if permitted to continue will dis-turb bankâ??s productivity and, indirectly, Islamic banking system as a whole. Moslem schol-ars have different positions on this matter. National Shariah Council of Indonesian Coun-cil of Ulema (DSN-MUI) and several individual jurists contend that it is necessary to pe-nalize debt payment delaying-capable-clients with the obligation to compensate material loss as â??overdue fineâ?. Several other jurists however argue the penalty as it is considered similar to forbidden riba, whereas the main argument (raison dâ??etre) for the establishment of Islamic banking is itself to avoid this kind of riba. Hence, legal-normative perspective in handling debt payment delaying-capable-clients is very interesting to study.
The Commodification of Religion in the Maqāṣid Al-Shariah Perspective Maftukhatusolikhah, Maftukhatusolikhah; Rusydi, Muhammad
Mazahib Vol 17, No 2 (2018)
Publisher : IAIN Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1060.938 KB) | DOI: 10.21093/mj.v17i2.1188

Abstract

This article discusses the problem of the commodification of religion in Islam, namely looking at the perspective of Islamic law on a process that directs the symbols and religious expressions of Muslims in the framework of market-based power as a commodity or business object. The theory used is the Maqashid ash-Shariah theory, to find out whether or not the objectives of sharia law are maintained in the religious practices which intersect with the economic dimension. This becomes relevant because for a Muslim the conformity with the objectives of sharia is the materialization of maslahah which is the wisdom of establishing a law in Islam. It employs a normative approach in the perspective of Maqashid jurisprudence. The results of this study indicate that in the Islamic context, there are several things that reveal the symptoms of religious commodification which are packaged in various forms of industry. Some types of industry still exist which are built with economic rationality to seek mere worldly benefits and ignore the principles of benefit. For this type of business practice, the government with its various instruments or institutions must continue to carry out sharia-compliant supervision. Meanwhile for the sharia-based business practices or industries, there is no legal issue in complying with sharia objectives there.KeywordsCommodification of religion, Maqasid al-Sharia, Islamic law, religion with economic dimensions AbstrakTulisan ini membahas masalah komodifikasi agama dalam Islam, yaitu melihat perspektif hukum Islam terhadap suatu proses yang mengarahkan simbol-simbol dan ekspresi keberagamaan Umat Muslim dalam kerangka market-based power sebagai komoditas atau objek bisnis. Teori yang digunakan adalah teori Maqashid  asy-Syariáh, untuk mengetahui tetap terjaga atau tidak-nya maksud atau tujuan penetapan hukum syariah dalam praktek-praktek agama dalam dimensi ekonomi tersebut. Hal ini menjadi relevan karena bagi seorang muslim kesesuaian dengan tujuan syariah yaitu tercapainya maslahah yang merupakan hikmah ditetapkannya suatu hukum dalam Islam merupakan hal yang sangat prinsip. Pendekatan yang digunakan adalah pendekatan normatif dalam perspektif fiqih Maqashid. Hasil penelitian ini menunjukkan bahwa dalam konteks Islam, terdapat beberapa hal yang menampakkan adanya gejala komodivikasi agama yang dikemas dalam berbagai bentuk Industri. Beberapa jenis industri masih ada yang dibangun dengan rasionalitas Ekonomi untuk mencari keuntungan duniawi semata dan mengabaikan prinsip-prinsip kemaslahatan. Untuk praktek tersebut, pemerintah dengan berbagai instrumen atau lembaga yang dimilikinya harus terus melakukan pengawasan. Sedangkan untuk berbagai industri dan praktek bisnis yang berbasis syariah dan mengedepankan maslahah− yang maknanya lebih luas dari sekadar utility atau kepuasan dalam terminologi ekonomi konvensional−maka tidak ada persoalan hukum secara syariah.Kata kunciKomodifikasi agama, Maqasid al-Syariah, Hukum Islam, Agama dalam dimensi ekonomi
Expanding Women’s Access To The Banking Sector Maftukhatusolikhah, Maftukhatusolikhah; Mardiyah, Siti; Litriani, Erdah; Delasmi, Sri
International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (343.143 KB) | DOI: 10.28918/ijibec.v1i2.1014

Abstract

The increase in micro, small, and medium enterprise (UMKM) units managed by women has contributed a positive impact on reducing poverty rates. The data highlighting lack of female entrepreneurs of UMKM who used and/or are supported with financing facility from banks have led to some emerging questions to be discussed. This present study promotes significance, namely: 1) The effectiveness of financing tends to affect the banks’ performance through created demands; 2) The results of this study are expected to enhance the attention of Islamic banking to female customers by increasing the allocation of financing for those customers; 3) The further implication of these findings is the increase in national economic growth from the UMKM actuated by women; 4) The broader implication is the reduction of working women at high risks because of the conducive business climate in Indonesia with the support of the banking sector. Therefore, this quantitative research that was conducted with regression analysis focused on the internal factors to analyze perceptions, behavior, culture and social class of female customers towards the effectiveness of working capital financing at Islamic banking in Palembang. The findings revealed that the variable of perceptions gave a positive effect on the effectiveness of financing of 0.316, behavior showed a positive impact on the effectiveness of financing of 0.676, culture noted a positive influence on the effectiveness of financing of 0.346, whereas social class demonstrated a negative impact on the effectiveness of the financing of -0.14.
MENGEMBANGKAN PENELITIAN SEJARAH PEMIKIRAN EKONOMI ISLAM MAFTUKHATUSOLIKHAH, MAFTUKHATUSOLIKHAH
At-Taradhi Jurnal Studi Ekonomi Vol 4, No 1 (2013)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v4i1.91

Abstract

As one of the social sciences, economics needs to go back to history in order to realize theexperiments and derive the change in its economic trends. This paper aims to respond to the phenomenon of the lack of serious attention has been paid to heritage of the history of Islamic economic thought by centres of academic research in economics. Exploration of the methodological framework that can be used in the study of history of Islamic economic thought, expected to attract students and researchers beginners, to do research in history of Islamic economic thought. Because of studying the history of Islamic economic thought, indeed will help us to find resources of thinking forcontemporary Islamic economic.
PEMBERDAYAAN EKONOMI PEREMPUAN PERSPEKTIF GENDER DAN EKONOMI ISLAM: Studi Kasus Akses Pengusaha UMKM Perempuan Terhadap Lembaga Keuangan Syariah BMT di Palembang Budiarto, Dwi; Maftukhatusolikhah, Maftukhatusolikhah
I-Finance Journal Vol 5 No 1 (2019): I FINANCE
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinace.v5i1.3715

Abstract

Usaha kecil di Indonesia masih terus didominasi pelaku usaha mikro, di sisi lain UMK kesulitan mengakses pembiayaan dari bank, terlebih UMK yang dilakukan oleh perempuan, yang bisa jadi dipengaruhi oleh berbagai faktor termasuk gender bias. Dengan tingginya gap perekonomian, maka lembaga keuangan dengan karakteristik yang sesuai dengan pelaku UMK  perempuan sangat dibutuhkan. Dalam konteks tersebut tulisan ini melakukan kajian tentang pemberdayaan ekonomi perempuan, dengan menggunakan kerangka analisis gender dan perspektif ekonomi Islam. Untuk memperkuat data penelitian, studi kasus dilakukan terhadap akses perempuan pada lembaga keuangan berbasis syariah Baitul Maal wa at-Tamwil di Kota Palembang. Pemilihan Lembaga Keuangan Syariah berupa BMT dilakukan karena segmentasi BMT yang lebih akomodatif terhadap pengusaha-pengusaha UMK yang relative tidak ?bankable?. Penelitian bersifat qualitatif, yang menunjukkan hasil bahwa BMT merupakan Lembaga Keuangan berbasis syariah yang accessible atau memberikan akses yang terbuka dan luas bagi para pengusaha perempuan, hal ini dapat dilihat dari relative banyaknya perempuan yang menjadi nasabah pada beberapa BMT di Palembang. BMT dengan produk-produknya, merupakan lembaga keuangan yang  sensitif gender? dan bisa semakin mendorong terwujudnya gender equalities, karena secara demikian BMT telah menganggap penting potensi, partisipasi, dan akses pengusaha UMK Perempuan terhadap sumber-sumber keuangan
The Commodification of Religion in the Maqāṣid Al-Shariah Perspective Maftukhatusolikhah, Maftukhatusolikhah; Rusydi, Muhammad
Mazahib Jurnal Pemikiran Hukum Islam Vol 17, No 2 (2018)
Publisher : IAIN Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1060.938 KB) | DOI: 10.21093/mj.v17i2.1188

Abstract

This article discusses the problem of the commodification of religion in Islam, namely looking at the perspective of Islamic law on a process that directs the symbols and religious expressions of Muslims in the framework of market-based power as a commodity or business object. The theory used is the Maqashid ash-Shariah theory, to find out whether or not the objectives of sharia law are maintained in the religious practices which intersect with the economic dimension. This becomes relevant because for a Muslim the conformity with the objectives of sharia is the materialization of maslahah which is the wisdom of establishing a law in Islam. It employs a normative approach in the perspective of Maqashid jurisprudence. The results of this study indicate that in the Islamic context, there are several things that reveal the symptoms of religious commodification which are packaged in various forms of industry. Some types of industry still exist which are built with economic rationality to seek mere worldly benefits and ignore the principles of benefit. For this type of business practice, the government with its various instruments or institutions must continue to carry out sharia-compliant supervision. Meanwhile for the sharia-based business practices or industries, there is no legal issue in complying with sharia objectives there.KeywordsCommodification of religion, Maqasid al-Sharia, Islamic law, religion with economic dimensions AbstrakTulisan ini membahas masalah komodifikasi agama dalam Islam, yaitu melihat perspektif hukum Islam terhadap suatu proses yang mengarahkan simbol-simbol dan ekspresi keberagamaan Umat Muslim dalam kerangka market-based power sebagai komoditas atau objek bisnis. Teori yang digunakan adalah teori Maqashid  asy-Syariáh, untuk mengetahui tetap terjaga atau tidak-nya maksud atau tujuan penetapan hukum syariah dalam praktek-praktek agama dalam dimensi ekonomi tersebut. Hal ini menjadi relevan karena bagi seorang muslim kesesuaian dengan tujuan syariah yaitu tercapainya maslahah yang merupakan hikmah ditetapkannya suatu hukum dalam Islam merupakan hal yang sangat prinsip. Pendekatan yang digunakan adalah pendekatan normatif dalam perspektif fiqih Maqashid. Hasil penelitian ini menunjukkan bahwa dalam konteks Islam, terdapat beberapa hal yang menampakkan adanya gejala komodivikasi agama yang dikemas dalam berbagai bentuk Industri. Beberapa jenis industri masih ada yang dibangun dengan rasionalitas Ekonomi untuk mencari keuntungan duniawi semata dan mengabaikan prinsip-prinsip kemaslahatan. Untuk praktek tersebut, pemerintah dengan berbagai instrumen atau lembaga yang dimilikinya harus terus melakukan pengawasan. Sedangkan untuk berbagai industri dan praktek bisnis yang berbasis syariah dan mengedepankan maslahah? yang maknanya lebih luas dari sekadar utility atau kepuasan dalam terminologi ekonomi konvensional?maka tidak ada persoalan hukum secara syariah.Kata kunciKomodifikasi agama, Maqasid al-Syariah, Hukum Islam, Agama dalam dimensi ekonomi