Editorial La_Riba Vol. 4, No. 2, Desember 2010
Banyak pihak yang menilai perkembangan ekonomi Islam di Indonesia kurang menggembirakan. Hal ini antara lain diindikasikan dari masih sulitnya perbankan syariah, sebagai representasi ekonomi Islam, menembus pangsa pasar psikologis 5% dari total aset perbankan nasional. Namun demikian, sejatinya perkembangan ekonomi Islam tidak selayaknya hanya disematkan pada perkembangan perbankan syariah, mengingat sejumlah perkembangan di bidang lainnya juga penting untuk diperhatikan. Perkembangan global yang kini terjadi juga secara langsung memperbesar peluang bagi perkembangan ekonomi Islam.
Krisis keuangan global sebagai buah dari penyakit kronis dalam kapitalisme telah membuka jalan bagi banyak pihak untuk meninjau kembali sistem ekonomi yang menguasi dunia modern ini dan mencoba mencari alternatifnya. Ekonomi Islam sebagai sebuah sistem ekonomi yang telah lama ada dan pernah berjaya, tentunya menyimpan potensi untuk muncul kembali sebagai solusi bagi umat manusia. Wujud dari makin diterimanya ekonomi Islam selain mendapat momentum berupa krisis keuangan global juga beranjak dari makin aktifnya promosi produk-produk keuangan berbasis ekonomi Islam yang diakui lebih stabil dan menjanjikan, seperti sukuk dan lain sebagainya. Untuk itu, sudah selayaknya umat Islam juga terus ikut memperhatikan perkembangan yang ada sekaligus menangkap peluang demi kemajuan di masa mendatang.
Dalam rangka menangkap berbagai perkembangan ekonomi Islam ini redaksi Jurnal La_Riba mengangkat topik “Ekonomi Islam Multidimensi” untuk edisi kali ini. Sejumlah tulisa dengan beragam subtopik kajian masuk ke meja redaksi dan beberapa diantaranya disajikan dalam edisi ini. Kajian tentang sukuk ditulis oleh Nur Kholis dengan judul “Sukuk: Instrumen Investasi yang Halal dan Menjanjikan”, dan oleh Mohammad Agus Khoirul Wafa yang berjudul “Analisa Faktor-faktor yang Mempengaruhi Tingkat Permintaan Sukuk Ritel-I (Periode Maret 2009-Juni 2010)”.
Kajian lainnya yaitu “Prospek Pengembangan Ilmu Ekonomi Islam di Indonesia dalam Prespektif Filsafat Ilmu (Sebuah Kajian Epistemik)” ditulis oleh Ayief Fathurrahman, “Model Pelaksanaan CSR Bank Syariah: Kajian Empiris Pembiayaan Mikro Baitul Mal Aceh” hasil kajian Muhammad Yasir Yusuf, serta “Ketahanan Kredit Perbankan Syariah Terhadap Krisis Keuangan Global” yang merupakan tulisan Ihda A. Faiz. Selain itu, terdapat juga tulisan Rahmani Timorita Yulianti yang berjudul “Transparansi Anggaran: Suatu Upaya Efisiensi dan Antisipasi Korupsi di Indonesia”.
Hasil penelitian juga disajikan yaitu oleh Soya Sobaya dengan judul “Pengaruh Jaringan Kerja BNI Terhadap Efektifitas Zakat Produktif (Studi di Baitul Mal Umat Islam BNI)”. Tulisan terakhir berupa “Isu Terkini Industri Perbankan dan Keuangan Islam Asia Tenggara”, merupakan Book Review tulisan Yuli Andriansyah. Redaksi akan mengangkat topik “Menyiapkan SDM Andal Bidang Ekonomi Syariah” pada edisi mendatang dan mengundang para pakar, pegiat, peneliti, dan akademisi bidang ekonomi Islam untuk ikut menyumbangkan pemikiran dan penelitiannya. Semoga apa yang kami persembahan pada edisi ini ikut terus menumbuhkembangkan ekonomi Islam di negeri ini.
Redaksi
Daftar Isi La_Riba Vol. 4, No. 2, Desember 2010
Sukuk: Instrumen Investasi yang Halal dan Menjanjikan
Nur Kholis
Abstract
This article is aimed to analyse the development of Sukuk (Islamic bond) in Indonesia. From historical perspective, sukuk had been implemented in medieval Islam as financial tranfer tools in commerce and other activities. In modern context, sukuk has worldy known as sharia financial instrument that give its holders right of ownership of specific asset, advantage value, and ownership of asset in investment of project. Sukuk are now created also by a government, which is available for personal investors (retail sukuk) as government sharia bond in both Rupiah or foreign currencies. Sukuk has been a promising sharia-based investment instrument mainly because of government assurance and low risk. It is therefore a chance for Moslems in Indonesia to invest their assets in this financial instrument for its compliance with sharia and benefecial function for country development.
Keywords: sukuk ritel, obligasi negara, investasi syariah.
Analisa Faktor-faktor yang Mempengaruhi Tingkat Permintaan Sukuk Ritel-I (Periode Maret 2009-Juni 2010)
Mohammad Agus Khoirul Wafa
Abstrak
Sukuk has been popular topic of study among investors and researchers from 2009 until now. This study is aimed to oversee the correlation and the influence of banking deposit interest rates, the level of revenue sharing of banking deposits, Sukuk State Retail price on the level of demand for state retail sukuk, and other bond prices to the level of demand of Islamic Retail Goverment Bond. The coherent time used in this study is data from March 2009 until June 2010. From the analysis of data using VAR methods, this study found that partially each independent variable has a significant effect on the level of demand for retail government sukuk. The result strengthens the hypothesis that jointly each independent variable has significant influence on the secondary market demand for sukuk. The sharia instruments have potential strength to affect the demand of retail sukuk bigger than the conventional ones.
Keywords: Islamic Retail Government bond, Islamic Investment, Islamic Investment, Theory on Demand
Prospek Pengembangan Ilmu Ekonomi Islam di Indonesia dalam Prespektif Filsafat Ilmu (Sebuah Kajian Epistemik)
Ayief Fathurrahman
Abstract
This article describes the approaches recently being used in developing Islamic Economics, especially in Indonesia. Eventough it grows rapidly in recent years, Islamic economics is still banded by dominance of normative approach. Some reasons can be addresed to this issue mainly the lack of proper approaches in Islamic economics. In order to make Islamic Economics regarded as a proper scientific discipline, it requires more approaches based on rational and empirical studies not only based on theological beliefs of moslem. In its recent development, burhani approach is not still functioned optimally. Therefore, combination of bayani, irfani, and burhani approaches in developing Islamic Economics is an obligated concept.
Keywords: Filsafat Ilmu, Ekonomi Islam, Nalar Islami
Model Pelaksanaan CSR Bank Syariah: Kajian Empiris Pembiayaan Mikro Baitul Mal Aceh
Muhammad Yasir Yusuf
Abstrak
Corporate social responsibility (CSR) is a corporate commitment to participate in sustainable economic development in order to improve the quality of life and environment that will benefit for all stakeholders. The focused issue discussed in this paper is how Islamic CSR model should be used to carry out in shariah banking? This study uses two approaches of literature and empirical studies at the Baitul Mal Aceh. The implementation of Islamic CSR model in shariah banking should be creating in two models: firstly to maximize the management of CSR funds productively with the form of micro-financing for community and secondly to maximize utilization of existing social capital in every society around Islamic bank. The models are based on maqasid Shari‘ah (the Shari‘ah’s objectives) and maslahah (the public good). Implementing CSR on Islamic banking not only provides a positive image for corporate but also became one of a tool to reduce poverty in Indonesia.
Kata Kunci: CSR, Bank Syari’ah dan Pembiayaan Mikro
Ketahanan Kredit Perbankan Syariah terhadap Krisis Keuangan Global
Ihda A Faiz
Abstract
Global financial market becomes fragile and unstable today after big financial crisis (subprime mortgage) hited almost country around the world. Recently, solvability ratio or credit risk becomes focus study again by economic expertise to prevent repreated crisis. The purpose of this paper is to investigate Islamic credit resistant of Islamic banks during global financial crisis in Indonesia. The results of this study show that the amount of Islamic financing and GDP were significantly determined by non-performing financing (NPF). In the other side, conventional banks were influenced positively by inflation rate and Loan to Deposit Ratio (LDR). These findings show the empirical evidence how Islamic banking and economic systems can reduce the effect of global financial crisis significantly to domestic society.
Keywords: NPL, NPF, banking stability
Transparansi Anggaran: Suatu Upaya Efisiensi dan Antisipasi Korupsi di Indonesia
Rahmani Timorita Yulianti
Abstract
Budget transparency is believed to be able to develop an effective, efficient, and corruptionfree organization system. Implementing it will enable an organization to erase any unnecessary budget. A more transparent budget also implies stakeholders’ consultation in every step of budgeting to eliminate all sources of manipulation and corruption. In Indonesia marking up budget by posting some irrelevant and fictive activities is still commonly happening. It has been part of commonly used way to corrupt. Based on these situations, this paper will discuss how budget functions and principles, Islamic base value for budgeting, and how controlling system on budget should be implemented in order to efficiently anticipate corruption.
Keywords: transparansi, anggaran, efisiensi, korupsi
Pengaruh Jaringan Kerja BNI Terhadap Efektifitas Zakat Produktif (Studi di Baitul Mal Umat Islam BNI)
Soya Sobaya
Abstrak
The aim of this research is to analyze the network management of zakat institution and to oversee its rule to implement productive zakat efficiently. Research method implemented is field research with quantitative approach using statistical analysis. The research was conducted in Baitul Mal Umat Islam or BAMUIS of BNI Sharia. Effectiveness is analyzed as dependent variable and network collectability as independent variable. The data was obtained through the interview and observation. The conclusion of the research suggests that BAMUIS network using human resources in each BNI Sharia offices as channeling agent is monitored quarterly. Besides that, intensive communication as evaluation and silaturrahim tool are also implemented. BAMUIS also interact with sharia partners as a commitment to operate in sharia basis. Network also indicates a good impact on collectability or in other word optimizing network can maximize productive zakat benefits.
Kata kunci: efektifitas, jaringan kerja, kolektibiitas, zakat produktif
Book Review Isu Terkini Industri Perbankan dan Keuangan Islam Asia Tenggara
Yuli Andriansyah
Dalam kaitannya dengan keuangan Islam dewasa ini, wilayah Asia Tenggara dapat disebut sebagai rumah produksi bagi keahlian dan inovasi (powerhouse of skills and innovation). Adapun wilayah Timur Tengah terutama negara Teluk biasa dianggap sebagai sumber likuiditas (pool of liquidity) (vii). Demikian antara lain diungkap Majid Dawood, CEO dari Yasaar Limited, yang bermarkas di Dubai, Uni Emirat Arab pada pengantar buku berjudul Current Issues in Islamic Banking and Finance: Resilience and Stability in the Present System. Buku yang diedit oleh Angelo M. Venardos ini memang secara komprehensif berusaha memberikan gambaran perkembangan perbankan dan keuangan Islam yang makin berkembang di Asia Tenggara sebagai titik tekan utama ditambah perkembangan di Jepang dan Amerika Serikat.
Ucapan Terima Kasih Mitra Bestari La_Riba Vol. 4, No. 2, Desember 2010
Kriteria Naskah La_Riba
Penyegaran Metodologi Penelitian Dosen Pembimbing
Untuk meningkatkan kualitas karya ilmiah mahasiswa berupa skripsi Pusat Penelitian dan Pengembangan Pendidikan Islam (P3I) berkerjasama dengan Prodi Pendidikan Agama Islam, Prodi Hukum Islam, dan Prodi Ekonomi Islam Fakultas Ilmu Agama Islam UII mengadakan kegiatan Penyegaran Metodologi Penelitian Bagi Dosen Pembimbing Skripsi Selasa (1/2) di Ruang Sidang Utama FIAI UII dengan narasumber Drs. Hadi Sutarmanto, M.S dan Dr. Drs. H. M. Idrus, S.Psi.,M.Pd. Read more
Vol. XI, No. 2, September 2010-Januari 2011
Berdamai dengan Syariat
Addiarrahman
Abstract
The desire to form the state base on islamic law (read; formalization of islamic law) which is sound-back post reformation era, create Muslim-Christian relation or with non-Muslim in generally have been convulsively. Every religion group, had been hidding the feeling threatened (perasaan terancam) that was colonial heritage. This is more sensitive and make the conflict among them frequently. Deservedly, antagonistic discourse must be avoid and deep communication very important to make religious live more tolerant, harmonious, and peaceful. This is vary difficult if we not begin with revealed the moment of history that had a long time been making the collective memory those feeling threatened. By these reason, this writings made one.
Keywords: formalization of Islamic Law, muslim-christian relation, feeling threatened, collective memory
Kawin Beda Agama dalam Legislasi Hukum Perkawinan Indonesia Perspektif HAM
Faiq Tobroni
Abstract
In the universal standards and appropriate covenants on civil and political rights is stated that any institution is not allowed to handcuff someone’s freedom to choose a partner. However, in practice in the context of Indonesia is not as easy as that discourse. In this context the concept of utilitarianism Maqashid Shariah and legal formulation laid spirited serious benefits. Two of these concepts turned out to affect the dynamics of the formulation of the rules of marriage in Indonesia. In Article 2 of the Act No.1 / 1974 of the marriage has been declared that the marriage is valid if conducted according to religion and belief. Furthermore, a very sharp contradiction is visible on the existence of Presidential Directive 1991 on the Compilation of Islamic Law and Counter Legal Draft of Compilation of Islamic Law. In the CLD-KHI in Article 54 states unequivocally that interfaith marriages are allowed to keep records to fulfill the purpose of marriage, the happiness of the couple. Here, the formulation is consistent with the concept of utilitarianism serious benefits. In the context of human rights, human happiness (the couple) would be used as a right that can not be reduced under any circumstances (non-derogable rights), while the interest of following the religion as an interest that could be reduced in certain circumstances (derogable rights / interests).
Keywords: pernikahan, agama, hukum keluarga, dan fiqh
Hak Non Muslim Terhadap Harta Waris (Hukum Waris Islam, KHI dan CLD-KHI di Indonesia)
M. Syafi’ie
Abstract
This paper discusses the pros and cons of the inheritance rights of non-Muslims in the treasury of Islamic thought., Differences of opinion concerning the inheritance rights of non Muslims are preceded by a difference of opinion about terminology or infidels and apostates. Differences of opinion Ulama ‘of classical and contemporary Islamic thinker in this matter was influenced instrumentation Islamic family law in Indonesia. Fiqh opinions as expressed by the scholars’ classic especially Imam Shafi’i become the foundation of family law in Islamic Law Compilation (KHI) as the Presidential Instruction No. 1 of 1991. According to the rules of KHI Article 171 (b, c), religious differences between muwarris and heir of a barrier right to inheritance. While the opinion of contemporary Islamic thinkers such as Abdullah Ahmed An-Na’im and Asgar Ali Engineer, an inspiration ijtihad discussion CLD-KHI. In chapter 2 CLD-KHI mentioned that the problem of different religions is not a barrier because of the legacy inherited. CLD-KHI drafting team believes, religious discrimination in inheritance rights is part of a form of discrimination, injustice and violation of human rights and should be replaced with a more contextual.
Keywords: hak, waris, non muslim, keadilan, dan HAM
HAM dalam Ruang Domestik: Studi terhadap UU. No. 23 Tahun 2004 Tentang PKDRT
Habib Shulton Asnawi
Abstract
This article describes about Domestic Violence: Perspectives of the Act. No. 23 of 2004 on Domestic Violence: An Effort In the Struggle for Human Rights “Human Rights”. Women’s issues that dimapankan for several generations until today is in line with the process of strengthening the traditional Islam (classical), which tend to be conservative and literal in understanding the religious messages and doctrines that exist, patiarkhi an established cultural constructs are universally and lasts for centuries, and the justification of authority backed by the state law. Therefore, this condition resulted in follow-up of violence by husbands against wives. Domestic violence (domestic violence) can be positioned as a result of which was born from a gender-biased social system. All forms of violence, particularly Domestic Violence (Domestic Violence) is a violation of human rights (human rights), and the evil of human dignity and a form of discrimination that must be removed.
Keywords: gender, ketidakadilan, kekerasan dalam rumah tangga, kebijakan pemerintah, dan hak asasi manusia
Perkawinan di Bawah Umur Perspektif HAM- Studi Kasus di Desa Bulungihit, Labuhan Batu, Sumatra Utara
Nurhidayatuloh dan Leni Marlina
Abstract
Paper below highlights the phenomenon of early marriage or underage marriage is happening in the Village Bulungihit, Labuhan Batu, North Sumatra that is with so many marriages occur with age that is still relatively young, especially from the candidate’s wife. Marriage is the case because of the influence of culture, arranged marriages, lack of education, economy, society is too free, and the willingness of the children themselves. Parents assume if a woman can read and write was considered sufficient, no need to continue their education to the next level. Because girls will eventually go back to the kitchen as well. With regard to the regulation of marriage rights under this age can be considered to violate the human rights provisions. Moreover, by manipulating the age of marriage will solve the problem, instead, will actually create new problems with regard to psychological kekurangsiapan child who married a minor. For that countries should take firm action against violations of human rights
Keywords: pernikahan, bawah umur, Sumatra Utara, dan HAM
Perlindungan Anak dalam Perspektif Hukum Islam dan HAM
Imran Siswadi
Abstract
In Islamic Law and the Act of the Republic of Indonesia Number 23 of 2002, on protection of children. Such protection is the protection from acts of violence against children in the household. Because it is a violation of the rights of children, since it is incompatible with human values and religious teachings. In Islamic law and this law a child’s rights are actually protected from the womb to age 18 years or until marriage. But from these two sources of law provides for tolerance “violence” as long as it does not affect on the physical and mental development as a means of education to the children, but still not violate the rights of a child. Both the Islamic Law and the Act No. 23 of 2002 regulates the protection of children in the womb until age 18.
Keywords: hukum Islam, perlindungan anak, undang-undang, dan HAM
Kuasa Hak Ijbar terhadap Anak Perempuan Perspektif Fiqh dan HAM
Arini Robbi Izzati
Abstract
This article discusses the rights of carers based on the opinions ijbar priest sect. Authorization rights ijbar guardian provide more authority for a guardian to marry off their daughters without first asking approval from the child. This is because a guardian is considered the most knowledgeable people about what is best for his daughter, so this happiness perspective formulated by the guardian. Women are considered not proficient in formulating the best things for him. Therefore, her consent is not a priority. In this case a gap between girls and parents, where full power is finally monopolize the interests of women. Right ijbar guardian has the potential to cause various kinds of violence against women which was distanced from the goals of marriage itself. Luckily the Marriage Law in Indonesia does not recognize the concept of rights ijbar. Just as education in the pesantren, one of the institutions of informal education, education curriculum was introduced that the materials are biased patriarchy. Book uqud dul lujain for example, used as the principal study on marriage presented with even marginalize women disproportionately.
Keywords: wali, ijbar, pernikahan, keluarga, dan HAM
Meredam Kemelut Kontroversi Nikah Sirri (Perspektif Maslahah)
Masnun Tahir
Abstract
At first Islamic-either the Koran or the as-Sunnah are not set in concrete, about the recording of marriage. This is different from the verse muamalah that in certain situations instructed to record it. This is sometimes the legitimacy of certain circles for a wedding or marriage is not registered under the hand (Sirri). Demands of development, with a variety of benefit consideration, the Islamic law in Indonesia, set it as in the discussion of this article. Therefore, discourse is also important that the recording of marriage is a way to protect the rights of wives and children. Because Indonesia’s strong evidence that marriage is a marriage deed itself. Even the public also needs to be given the understanding that marriage is not listed on the side is not legal under the state also is not valid according to religion. Furthermore, from the standpoint of the State legislation, should be given criminal punishment for couples who do marry are not listed.
Keywords: nikah sirri, maslahah, pembaruan, pluralisme hukum
Book Review: Kebebasan Beragama Perspektif Hak Asasi Manusia
Yusdani
Kebebasan agama atau keyakinan (freedom of religion or belief) merupakan salah satu bagian penting dari Hak Asasi Manusia (HAM). Meski hampir tidak ada lagi perdebatan substantif tentang esensialnya subjek ini. Akan tetapi kebebasan agama dan keyakinan masih menghadapi masalah dan kendala tertentu di berbagai belahan dunia, termasuk di Indonesia. Karena itu, kebebasan beragama atau berkeyakinan masih perlu perjuangan secara terus menerus pada berbagai level kehidupan.
Studi Banding HMJ Syariah UM Malang
Sebanyak 48 anggota Himpunan Mahasiswa Jurusan (HMJ) Syari’ah Universitas Muhammadiyah Malang (UMM) mengadakan studi banding di FIAI khususnya HMJ Syari’ah program studi Hukum Islam pada Senin (24/1). Mereka diterima langsung oleh Dekan FIAI Dr. Drs. H. Dadan Muttaqien, SH., M.Hum didamping Kepala Pusat Konsultasi dan Bantuan Hukum Islam Drs. Sofwan Jannah, M.Ag dan beberapa perwakilan mahasiswa FIAI. Read more
FIAI Sikapi Fenomena Crop Circle
Fenomena alam yang belum lama ini terjadi di areal persawahan milik Ngadiran di Dusun Jogomangsan Desa Jogotirto Kecamatan Berbah Sleman berupaCrop Circle telah membuat geger masyarakat sekitar bahkan nasional. Pasalnya kejadian tersebut merupakan kali pertama terjadi di Indonesia tepatnya pada hari Minggu 23 Januari 2011 pukul 17.00 WIB telah memunculkan berbagai spekulasi baik dari ahli maupun masyarakat awam yang menyakini bahwa Crop Circle merupakan jejak kemunculan UFO (Unidentified Flying Object) di lokasi kejadian. Read more
Vol. IV, No. 2, Desember 2010
Editorial La_Riba Vol. 4, No. 2, Desember 2010
Banyak pihak yang menilai perkembangan ekonomi Islam di Indonesia kurang menggembirakan. Hal ini antara lain diindikasikan dari masih sulitnya perbankan syariah, sebagai representasi ekonomi Islam, menembus pangsa pasar psikologis 5% dari total aset perbankan nasional. Namun demikian, sejatinya perkembangan ekonomi Islam tidak selayaknya hanya disematkan pada perkembangan perbankan syariah, mengingat sejumlah perkembangan di bidang lainnya juga penting untuk diperhatikan. Perkembangan global yang kini terjadi juga secara langsung memperbesar peluang bagi perkembangan ekonomi Islam.
Krisis keuangan global sebagai buah dari penyakit kronis dalam kapitalisme telah membuka jalan bagi banyak pihak untuk meninjau kembali sistem ekonomi yang menguasi dunia modern ini dan mencoba mencari alternatifnya. Ekonomi Islam sebagai sebuah sistem ekonomi yang telah lama ada dan pernah berjaya, tentunya menyimpan potensi untuk muncul kembali sebagai solusi bagi umat manusia. Wujud dari makin diterimanya ekonomi Islam selain mendapat momentum berupa krisis keuangan global juga beranjak dari makin aktifnya promosi produk-produk keuangan berbasis ekonomi Islam yang diakui lebih stabil dan menjanjikan, seperti sukuk dan lain sebagainya. Untuk itu, sudah selayaknya umat Islam juga terus ikut memperhatikan perkembangan yang ada sekaligus menangkap peluang demi kemajuan di masa mendatang.
Dalam rangka menangkap berbagai perkembangan ekonomi Islam ini redaksi Jurnal La_Riba mengangkat topik “Ekonomi Islam Multidimensi” untuk edisi kali ini. Sejumlah tulisa dengan beragam subtopik kajian masuk ke meja redaksi dan beberapa diantaranya disajikan dalam edisi ini. Kajian tentang sukuk ditulis oleh Nur Kholis dengan judul “Sukuk: Instrumen Investasi yang Halal dan Menjanjikan”, dan oleh Mohammad Agus Khoirul Wafa yang berjudul “Analisa Faktor-faktor yang Mempengaruhi Tingkat Permintaan Sukuk Ritel-I (Periode Maret 2009-Juni 2010)”.
Kajian lainnya yaitu “Prospek Pengembangan Ilmu Ekonomi Islam di Indonesia dalam Prespektif Filsafat Ilmu (Sebuah Kajian Epistemik)” ditulis oleh Ayief Fathurrahman, “Model Pelaksanaan CSR Bank Syariah: Kajian Empiris Pembiayaan Mikro Baitul Mal Aceh” hasil kajian Muhammad Yasir Yusuf, serta “Ketahanan Kredit Perbankan Syariah Terhadap Krisis Keuangan Global” yang merupakan tulisan Ihda A. Faiz. Selain itu, terdapat juga tulisan Rahmani Timorita Yulianti yang berjudul “Transparansi Anggaran: Suatu Upaya Efisiensi dan Antisipasi Korupsi di Indonesia”.
Hasil penelitian juga disajikan yaitu oleh Soya Sobaya dengan judul “Pengaruh Jaringan Kerja BNI Terhadap Efektifitas Zakat Produktif (Studi di Baitul Mal Umat Islam BNI)”. Tulisan terakhir berupa “Isu Terkini Industri Perbankan dan Keuangan Islam Asia Tenggara”, merupakan Book Review tulisan Yuli Andriansyah. Redaksi akan mengangkat topik “Menyiapkan SDM Andal Bidang Ekonomi Syariah” pada edisi mendatang dan mengundang para pakar, pegiat, peneliti, dan akademisi bidang ekonomi Islam untuk ikut menyumbangkan pemikiran dan penelitiannya. Semoga apa yang kami persembahan pada edisi ini ikut terus menumbuhkembangkan ekonomi Islam di negeri ini.
Redaksi
Daftar Isi La_Riba Vol. 4, No. 2, Desember 2010
Sukuk: Instrumen Investasi yang Halal dan Menjanjikan
Nur Kholis
Abstract
This article is aimed to analyse the development of Sukuk (Islamic bond) in Indonesia. From historical perspective, sukuk had been implemented in medieval Islam as financial tranfer tools in commerce and other activities. In modern context, sukuk has worldy known as sharia financial instrument that give its holders right of ownership of specific asset, advantage value, and ownership of asset in investment of project. Sukuk are now created also by a government, which is available for personal investors (retail sukuk) as government sharia bond in both Rupiah or foreign currencies. Sukuk has been a promising sharia-based investment instrument mainly because of government assurance and low risk. It is therefore a chance for Moslems in Indonesia to invest their assets in this financial instrument for its compliance with sharia and benefecial function for country development.
Keywords: sukuk ritel, obligasi negara, investasi syariah.
Analisa Faktor-faktor yang Mempengaruhi Tingkat Permintaan Sukuk Ritel-I (Periode Maret 2009-Juni 2010)
Mohammad Agus Khoirul Wafa
Abstrak
Sukuk has been popular topic of study among investors and researchers from 2009 until now. This study is aimed to oversee the correlation and the influence of banking deposit interest rates, the level of revenue sharing of banking deposits, Sukuk State Retail price on the level of demand for state retail sukuk, and other bond prices to the level of demand of Islamic Retail Goverment Bond. The coherent time used in this study is data from March 2009 until June 2010. From the analysis of data using VAR methods, this study found that partially each independent variable has a significant effect on the level of demand for retail government sukuk. The result strengthens the hypothesis that jointly each independent variable has significant influence on the secondary market demand for sukuk. The sharia instruments have potential strength to affect the demand of retail sukuk bigger than the conventional ones.
Keywords: Islamic Retail Government bond, Islamic Investment, Islamic Investment, Theory on Demand
Prospek Pengembangan Ilmu Ekonomi Islam di Indonesia dalam Prespektif Filsafat Ilmu (Sebuah Kajian Epistemik)
Ayief Fathurrahman
Abstract
This article describes the approaches recently being used in developing Islamic Economics, especially in Indonesia. Eventough it grows rapidly in recent years, Islamic economics is still banded by dominance of normative approach. Some reasons can be addresed to this issue mainly the lack of proper approaches in Islamic economics. In order to make Islamic Economics regarded as a proper scientific discipline, it requires more approaches based on rational and empirical studies not only based on theological beliefs of moslem. In its recent development, burhani approach is not still functioned optimally. Therefore, combination of bayani, irfani, and burhani approaches in developing Islamic Economics is an obligated concept.
Keywords: Filsafat Ilmu, Ekonomi Islam, Nalar Islami
Model Pelaksanaan CSR Bank Syariah: Kajian Empiris Pembiayaan Mikro Baitul Mal Aceh
Muhammad Yasir Yusuf
Abstrak
Corporate social responsibility (CSR) is a corporate commitment to participate in sustainable economic development in order to improve the quality of life and environment that will benefit for all stakeholders. The focused issue discussed in this paper is how Islamic CSR model should be used to carry out in shariah banking? This study uses two approaches of literature and empirical studies at the Baitul Mal Aceh. The implementation of Islamic CSR model in shariah banking should be creating in two models: firstly to maximize the management of CSR funds productively with the form of micro-financing for community and secondly to maximize utilization of existing social capital in every society around Islamic bank. The models are based on maqasid Shari‘ah (the Shari‘ah’s objectives) and maslahah (the public good). Implementing CSR on Islamic banking not only provides a positive image for corporate but also became one of a tool to reduce poverty in Indonesia.
Kata Kunci: CSR, Bank Syari’ah dan Pembiayaan Mikro
Ketahanan Kredit Perbankan Syariah terhadap Krisis Keuangan Global
Ihda A Faiz
Abstract
Global financial market becomes fragile and unstable today after big financial crisis (subprime mortgage) hited almost country around the world. Recently, solvability ratio or credit risk becomes focus study again by economic expertise to prevent repreated crisis. The purpose of this paper is to investigate Islamic credit resistant of Islamic banks during global financial crisis in Indonesia. The results of this study show that the amount of Islamic financing and GDP were significantly determined by non-performing financing (NPF). In the other side, conventional banks were influenced positively by inflation rate and Loan to Deposit Ratio (LDR). These findings show the empirical evidence how Islamic banking and economic systems can reduce the effect of global financial crisis significantly to domestic society.
Keywords: NPL, NPF, banking stability
Transparansi Anggaran: Suatu Upaya Efisiensi dan Antisipasi Korupsi di Indonesia
Rahmani Timorita Yulianti
Abstract
Budget transparency is believed to be able to develop an effective, efficient, and corruptionfree organization system. Implementing it will enable an organization to erase any unnecessary budget. A more transparent budget also implies stakeholders’ consultation in every step of budgeting to eliminate all sources of manipulation and corruption. In Indonesia marking up budget by posting some irrelevant and fictive activities is still commonly happening. It has been part of commonly used way to corrupt. Based on these situations, this paper will discuss how budget functions and principles, Islamic base value for budgeting, and how controlling system on budget should be implemented in order to efficiently anticipate corruption.
Keywords: transparansi, anggaran, efisiensi, korupsi
Pengaruh Jaringan Kerja BNI Terhadap Efektifitas Zakat Produktif (Studi di Baitul Mal Umat Islam BNI)
Soya Sobaya
Abstrak
The aim of this research is to analyze the network management of zakat institution and to oversee its rule to implement productive zakat efficiently. Research method implemented is field research with quantitative approach using statistical analysis. The research was conducted in Baitul Mal Umat Islam or BAMUIS of BNI Sharia. Effectiveness is analyzed as dependent variable and network collectability as independent variable. The data was obtained through the interview and observation. The conclusion of the research suggests that BAMUIS network using human resources in each BNI Sharia offices as channeling agent is monitored quarterly. Besides that, intensive communication as evaluation and silaturrahim tool are also implemented. BAMUIS also interact with sharia partners as a commitment to operate in sharia basis. Network also indicates a good impact on collectability or in other word optimizing network can maximize productive zakat benefits.
Kata kunci: efektifitas, jaringan kerja, kolektibiitas, zakat produktif
Book Review Isu Terkini Industri Perbankan dan Keuangan Islam Asia Tenggara
Yuli Andriansyah
Dalam kaitannya dengan keuangan Islam dewasa ini, wilayah Asia Tenggara dapat disebut sebagai rumah produksi bagi keahlian dan inovasi (powerhouse of skills and innovation). Adapun wilayah Timur Tengah terutama negara Teluk biasa dianggap sebagai sumber likuiditas (pool of liquidity) (vii). Demikian antara lain diungkap Majid Dawood, CEO dari Yasaar Limited, yang bermarkas di Dubai, Uni Emirat Arab pada pengantar buku berjudul Current Issues in Islamic Banking and Finance: Resilience and Stability in the Present System. Buku yang diedit oleh Angelo M. Venardos ini memang secara komprehensif berusaha memberikan gambaran perkembangan perbankan dan keuangan Islam yang makin berkembang di Asia Tenggara sebagai titik tekan utama ditambah perkembangan di Jepang dan Amerika Serikat.
Ucapan Terima Kasih Mitra Bestari La_Riba Vol. 4, No. 2, Desember 2010
Kriteria Naskah La_Riba
Kerjasama LPM dengan PKBHI
Untuk meningkatkan kualitas produk dari Lembaga Pers Mahasiswa (LPM) Pilar Demokrasi FIAI berupa tulis-menulis, Redaksi LPM PD akan menerbitkan rubrik khusus yaitu Konsultasi Syariah. Keinginan tersebut ditandai dengan keseriusan mereka dengan menggandeng Pusat Konsultasi dan Bantuan Hukum Islam (PKBHI) sebagai pengisi rubrik tersebut.
Asep Supriadi, Pemimpin Umum LPM PD mengatakan kolom atau rubrik tersebut sebagai wadah untuk menampung seputar masalah-masalah syariah yang membutuhkan jawaban. “Saya rasa tepat sekali sebagai media massa kami juga ingin meluangkan space yang ada sebagai rubrik konsultasi agama mengingat FIAI memiliki Pusat Konsultasi dan Bantuan Hukum Islam ” ujar Asep saat berkunjung ke kantor PKBHI FIAI.Lebih lanjut ia menyebutkan bahwa alasan kerjasama tersebut untuk memberdayakan SDM yang ada di LPM dan PKBHI dengan harapan kedua pihak dapat terpacu untuk meningkatkan kinerja yang positif dan bermanfaat bagi masyarakat khususnya di FIAI. Read more
Nursalim Raih Pin Emas Wisuda UII
Nursalim, Mahasiswa Program Studi Pendidikan Agama Islam FIAI berhasil meraih Pin Emas dalam wisuda UII periode II tahun akademik 2010-2011 yang berlangsung pada hari Sabtu 18 Desember 2010 di Auditorium Kahar Muzakkir UII. Pin Emas merupakan suatu bentuk penghargaan yang mewakili alumni dan diberikan kepada mahasiswa atau mahasiswi UII dengan tingkat Indeks Prestasi Kumulatif terbaik dalam setiap pelaksanaan wisuda.
Bersama dengan wisudawan lainnya, Salim, sapaan akrabnya merupakan satu mahasiswa terbaik dari 226 wisudawan UII dengan Indeks Prestasi Kumulatif (IPK) 3,93 bahkan tercatat sebagai lulusan tercepat yaitu tiga tahun tiga bulan dan berhak menyandang gelar Sarjana Pendidikan Islam (S.Pd.I).
Read more
Public Hearing Menampung Aspirasi Mahasiswa
Kamis, 23 Desember 2010 Dewan Perwakilan Mahasiswa (DPM) FIAI UII menggelar Public Hearing bersama Dekanat, Ketua Prodi serta Kepala Pusat-pusat studi FIAI. Lukman selaku ketua DPM FIAI memandu langsung kegiatan tersebut yang diikuti oleh berbagai elemen perwakilan dari mahasiswa seperti Lembaga Eksekutif Mahasiswa (LEM), Lembaga Pers Mahasiswa Pilar Demokrasi, Himpunan mahasiswa jurusan Syariah, Tarbiyah dan Ekonomi Islam, Arabic and English Community (AEC) dan mahasiswa dari FIAI. Read more
Pertemuan IKI di FIAI
Sebagaimana telah menjadi kegiatan rutin bulanan, pertemuan silaturahim Ikatan Keluarga Ibu (IKI) UII diadakan di Fakultas Ilmu Agama Islam UII pada Jum’at, 17 Desember 2010. Acara yang juga dihadiri Ketua IKI Ibu Edy Suandi Hamid, istri Rektor UII, berlangsung seperti biasa penuh dengan keakraban antar ibu-ibu UII baik dari kalangan dosen maupun karyawan. Dalam sambutannya, ia memberikan ucapan selamat kepada ibu-ibu IKI yang baru saja melaksanakan ibadah haji.
Pertemuan IKI kali ini diisi dengan seputar pengetahuan tentang kesehatan dan ibadah haji. Seperti dijelaskan oleh dr. Riana Rahmawati, M.Kes, Wakil Dekan Fakultas Kedokteran UII didaulat untuk sebagai pembicara menjelaskan tentang hikmah ibadah haji. Menurutnya ibadah haji bukan saja suatu kegiatan ibadah ritual saja melainkan ibadah fisik merupakan ibadah yang sarat makna. Read more
LEM Gelar Refleksi Muharram 1432 H
Untuk memperingati tahun baru Islam bulan Muharram 1432 H, Lembaga Eksekutif Mahasiswa (LEM) Fakultas Ilmu Agama Islam (FIAI) Universitas Islam Indonesia (UII) menggelar acara refleksi berupa pemberian motivasi bagi mahasiswa FIAI di Ruang Sidang FIAI pada Rabu, 15 Desember 2010. Melalui tema “Madzab Eksekutif: Releksi Awal Tahun; Memaknai Hijrah dan Aplikasinya dalam Kehidupan dan Perkembangan Islam” panitia mengundang Drs. Imam Moedjiono, M.Ag sebagai motivator yang diharapkan dapat memberikan semangat baru bagi mahasiswa FIAI. Read more