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Papers by setiawan bin lahuri

el-Jizya : Jurnal Ekonomi Islam

Monopolies and stockpiling in business are clear evidence of human greed stemming from capitalist... more Monopolies and stockpiling in business are clear evidence of human greed stemming from capitalist individualism. Despite the bad impact, the majority of people will prefer and support individual freedom without being limited by regulations. Thus, amid intense competition in the capitalist economy, Islamic ethics is present in the business environment to provide guidance and offer approaches that are in line with the ethical values adopted by society. This study aims to find out: 1) the similarities and differences between individualism in capitalism and Islam, 2) the moral views of Islamic economics on capitalist individualism. The research method uses descriptive qualitative and the main variables in this study are capitalist individualism and Islamic economic ethics. Based on the results of the research analysis shows that: 1) Mostly, the dimensions of individualism in capitalism and Islam are different. 2) The biggest difference lies in the orientation, where the capitalist is ...

Muslim Heritage

The emergence of transaction media such as electronic money provides many benefits for the public... more The emergence of transaction media such as electronic money provides many benefits for the public in transacting. However, in the law of its use, electronic money reaps a lot of controversy between whether it is legal or not according to Islamic law. This paper aims to review the validity of electronic money based on fiqh principles. The method used is descriptive qualitative through a literature survey. The results of this study indicate that electronic money is generally legal based on fiqh rules. The many benefits provided by electronic money make it easier for people to make transactions so that it provides benefits for its users. Nevertheless, there are several aspects that must be considered so that in the application of electronic money so as not to run away from the principles and rules of fiqh that have been set. Several principles that must be applied in transactions using electronic money are to avoid maysir and in its use it does not encourage isyraf and is not used to m...

Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 2021

This article aims to provide an example for waqf management institutions in developing the benefi... more This article aims to provide an example for waqf management institutions in developing the benefits of productive waqf by implementing a good waqf management strategy and following the concept and purpose of waqf. With the increasing public interest in waqf and the increasing number of waqf management institutions throughout the world and especially in Indonesia. Along with that, there has not been a desire that can be emulated by waqf management institutions in determining the management strategy of productive waqf funds to develop the benefits of productive waqf itself. This type of research is qualitative research with data collection techniques conducted by conducting interviews with nadzir waqf in PM. Darussalam Gontor. This research shows that PM. Darussalam Gontor has a unique strategy in managing productive waqf funds while still looking at the purpose of the existing waqf, more than that, many communities around the boarding school can also benefit from productive waqf in P...

TSAQAFAH, 2021

Export-Import is one of the engines that drive economic growth. Compared to domestic trade, Expor... more Export-Import is one of the engines that drive economic growth. Compared to domestic trade, Export-Import trade or international trade contains more risks. In reducing the risks that may occur in international trade, exporters use Letters of Credit as a guarantee of payment for goods. Compared with the weaknesses and benefits of using a Letter of Credit (LoC) in risk mitigation in export-import transactions, the benefits of using it are greater. Therefore, this study aims to find out how to use a Letter of Credit (LoC) as an instrument in mitigating export-import risk based on the maqâshid syarî'ah review. This research is qualitative with observation, interviews, and documentation in data collection. The data is analyzed from the data obtained from the object of the research is a descriptive analysis using the maqâshid syarî'ah approach by looking at the risks that may occur in the use of a Letter of Credit (LoC). The results of the study stated that the use of a Letter of Credit (LoC) as an export-import payment instrument is allowed if it becomes a necessity and creates benefits for the wider community. Providing facilities for issuing and using letters of credit as export

Journal of Indonesian Comparative of Law, 2020

Pemerintah telah mewajibkan pencatatan perkawinan bagi seluruh warga negara Indonesia yang telah ... more Pemerintah telah mewajibkan pencatatan perkawinan bagi seluruh warga negara Indonesia yang telah melangsungkan perkawinan. Dengan adanya "kewajiban" pencatatan perkawinan tersebut apakah kewajiban tersebut setara dengan syarat dan rukun nikah yang telah ada sebelumnya di dalam ketentuan Agama Islam? Bila dikatakan tidak setara dengan rukun dan syarat nikah yang ada di Agama Islam, lantas bagaimana kedudukan pencatatan perkawinan dalam Hukum Islam dan Hukum Positif di Indonesia? Jenis penelitian ini merupakan penelitian hukum yuridis-normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Adapun bahan hukum yang digunakan bahan hukum primer dan bahan hukum sekunder dengan menggunakan analisis kepustakaan. Hasil penelitian ini yaitu: 1) kedudukan pencatatan perkawinan dalam hukum positif merupakan kewajiban administratif yang tidak dapat dijadikan sebagai syarat sah atau rukun perkawinan. 2) Di dalam Hukum Islam, pencatatan perkawinan harus dilakukan untuk mendapatkan keabsahan secara hukum (normatif-yuridis) akan tetapi bukan bagian syarat untuk mendapatkan keabsahan secara agama (normatif-teologis).

Al-Iktisab: Journal of Islamic Economic Law, 2019

This study describes the fiqh review in the use of Islamic credit cards. In general, the opinions... more This study describes the fiqh review in the use of Islamic credit cards. In general, the opinions of leading scholars state that credit card transactions can be categorized in the kafalah, wakalah, hawalah, qardh, and ijarah agreements. These contracts are legally permissible and their use is adjusted to the transaction. In this study using a type of qualitative research with a literature study method approach. The results of this study explain that Islamic credit cards should be able to maintain the principle of utility in their using. This is based on the perspective of the principle of maslahah, which not only sees direct benefits or worldly benefits, but also sees benefits for the hereafter. So that there is a balance between the world and the hereafter in the fortified by ad-dharurat al-khams, namely preserving religion, soul, reason, descent, and wealth.

Proceedings of the 7th ASEAN Universities International Conference on Islamic Finance, 2019

Waqf and Sukuk are not seemingly equal things to compare, one is filled with a spiritual and soci... more Waqf and Sukuk are not seemingly equal things to compare, one is filled with a spiritual and social aspect, the other with a commercial aspect. But time proves that the development of Islamic economic concerns is complimentary not only to commercial issues but also to social issues. Besides, Pesantren is serious about empowering a potential business unit through waqf to enhance the economic development of Pesantren. The purpose of this study is to propose models of integrated Sukuk based waqf model in Pesantren using a qualitative approach, accompanied by scholars, academicians, and practitioners with surveys and focus groups discussion. The results show that Sukuk has an important role to play in supporting Pesantren's waqf quality. This type of Sukuk will generate a new source of fund for Pesantren based on the ijarah theory, which can generate own profit for primary pesantren projects. This model shows the way Pesantren maintains and develops waqf assets toward a self-financi...

Iqtishadia, Nov 21, 2023

This paper investigates the determinants variables of financial literacy through Exploratory Fact... more This paper investigates the determinants variables of financial literacy through Exploratory Factor Analysis among Indonesian employees' works in Malaysia. This study is quantitative study with 117 respondents. The data from respondents are collected through questionnaire on five-point Likert scale. Data analysis employs EFA (Exploratory Factor Analysis) which reduce the factors into expected variables. The study found that there 7 factors emerged in based on data analysis namely, financial literacy contributes with higher percentages factors 13.93%, financial planning contributes with 11.28%, financial control with 9.86%, exchange rate awareness with 9.52%, financial attitude with 9.07, financial subjective norms with 8.76, and lastly financial awareness contributes 6.93%. Meanwhile, simultaneously all variables have commutative percentages about 69.38%. Further studies are required to investigate or examine each emerged variables for example, SEM, Regression analysis, One Way ANOVA, and so on. Moreover, wider coverage of research sample and research object also suggested.

I-iECONS e-proceedings, Oct 19, 2023

INFERENSI: Jurnal Penelitian Sosial Keagamaan

Human and Social capitals are the main keys to encourage quality economicgrowth. The main role of... more Human and Social capitals are the main keys to encourage quality economicgrowth. The main role of social capital is to increase business competitiveness ina sustainable manner. The social capital is needed to encourage quality economicgrowth and sustainable competitiveness. Pondok Pesantren is required to supportthe sustainability of pesantren. However, most Pondok Pesantrens have not maximised their economic potential due to the classical understanding that only physical capital is needed for economics. One of the Pondok Pesantren that optimize social capital as an economic instrument is Ponpes Sunan Drajat. So,it is interesting to study the role of social capital in the economic development through pesantren business units. This research is qualitative approach. Primary data collected with Information from PPSD. Secondary data include journal and media sosial. The three main data collection techniques used by observation, interviews and documentation. Observations are carried out...

Tasharruf: Journal Economics and Business of Islam

This study aims to explore the verses in the Al-Qur'an which discuss the halal lifestyle whic... more This study aims to explore the verses in the Al-Qur'an which discuss the halal lifestyle which is the main resource for Muslims in everyday life. The method used in this study is a qualitative method with a library research approach which was carried out to explore the interpretation of the Qur'an about the halal lifestyle from the holy book, the Al-Qur'an. This study found that the halal lifestyle based on the perspective of the Qur'an can be continued in the aspect of consumption or lifestyle in choosing food, namely choosing between food, medicine, and products that are forbidden containing alcohol or pork, or choosing Food that is lawful in Islam, the food that is halal and?tayyib. It is the same also in the aspect of Muslim fashion, halal travel, and tourism, as well as in the fields of finance and charity. This research focuses on exploring the most common and familiar lifestyles practiced by the current generation. Further study of the details or even the digi...

Jurnal Ekonomi & Keuangan Islam

Purpose – This paper aims to find the factors for designing an index of the quality of developing... more Purpose – This paper aims to find the factors for designing an index of the quality of developing human resources as nadzir waqf to control and to be the reference for waqf management in every waqf institution.Methodology – This study used a qualitative method with the Analytic Network Process. The data analysis shows the most dominant influence and determines the priority order, and decision-making. The data analysis will be the weighted sum for the performance ratings for each alternative across all attributes using the Simple Additive Weighting method and at the end, the Nazhir Wakaf Index (INW) value will be obtained.Findings – The research finds the factors in the internal and external resolutions bringing experts into the field by monitoring, and synergies with the government. The Nazhir Waqf Index that tried implemented is low with a score of 40.731. From the table and figure, it can be concluded that the highest variable design score of the Nazhir Wakaf Index (INW) at Pondok...

Al-Iktisab: Journal of Islamic Economic Law

Share: Jurnal Ekonomi dan Keuangan Islam

This study aims to examine the Muslim community's perception of tax-deductible zakat in Indon... more This study aims to examine the Muslim community's perception of tax-deductible zakat in Indonesia. We employ exogenous variables including religiosity, halal and haram aspects, legal aspects, trust, motivation, and satisfaction. We also use variables of perception as mediating variables. The research data was collected through the distribution of questionnaires to 543 Muslims from various parts of Indonesia. This study employs Structural Equation Modeling with PLS version 3.0 to analyze the data. The results indicate that religiosity, the legal aspect, trust, and satisfaction have a positive and statistically significant effect on performance, whereas the halal-haram aspect and motivation have a negative and statistically significant effect on the tax deduction of zakat.========================================================================================================ABSTRAK – Persepsi Masyarakat Muslim Indonesia terhadap Zakat sebagai Pengurang Pajak. Penelitian ini bertuj...

EKUITAS (Jurnal Ekonomi dan Keuangan)

Makalah ini mengulas peran Lembaga Keuangan Mikro Islam (LKMI) dalam mewujudkan ketahanan pangan ... more Makalah ini mengulas peran Lembaga Keuangan Mikro Islam (LKMI) dalam mewujudkan ketahanan pangan masyarakat pedesaan. Ketahanan pangan yang didefinisikan sebagai kondisi aman dari kelaparan atau ketersediaan makanan yang cukup, kemudahan akses dalam memperoleh makanan yang berkualitas dan bergizi, menjadi isu kajian yang terus menarik perhatian para pakar ekonomi. Hal itu karena ketahanan pangan merupakan salah satu indikator kesejahteraan dan bahkan strategi dalam menyelesaikan masalah kemiskinan. Problematika ini terus dialami masyarakat pedesaan khususnya, karena lemahnya dalam permodalan yang berdampak pada tingkat daya beli pangan. Akan tetapi pada aspek lain memberikan keuntungan bagi lembaga mikro konvensional dalam memanfaat situasai ini dengan meningkatkan suku bunga dan mengekang masyarakat menengah ke bawah. Maka, hadirnya LKMI dengan asas ta’awun melalui pembiayaan syariah dan program pemberdayaan di tengah masyarakat pedesaan layak untuk dikaji ulang karena menjadi solu...

Justicia Islamica

The increase of the tourism sector in the world, including Indonesia having various lands and cul... more The increase of the tourism sector in the world, including Indonesia having various lands and cultures, will captivate tourists’ attention. On the other side, with the majority Muslim population, Indonesia should keep its culture and tradition within the Islamic framework. This paper aims to develop Halal tourism in Indonesia by employing the Maqāṣid al-Sharῑa approach in four sectors: hotel, restaurant, tour, travel, and SPA. These sectors are the point of development of Halal tourism in Indonesia based on the Ministry of Tourism and Creative Economy regulation. This study explored the theories related to the five universals of Maqāṣid Al-Sharῑa, including the preservation of din (religion), life, intellect, descendants, and wealth. The analysis results indicate that if the four sectors are used in the five universals of Maqāṣid Al-Sharῑa, the implementation of Shariah tourism is about the Shariah label and the substance of the Shariah objectives. This study guides the developing h...

Al-Insyiroh: Jurnal Studi Keislaman, 2022

إنّ مع تقدم العصر، ظهر كثير أشخاص أو شركات تعمل في مجال إجارة السيارات بسبب أهمية النقل خاصة السي... more إنّ مع تقدم العصر، ظهر كثير أشخاص أو شركات تعمل في مجال إجارة السيارات بسبب أهمية النقل خاصة السيارة وكان ثمنها غاليا جدا. من إجارة السيارة هذا، تنشأ عقد الإجارة. بالنسبة لكل الطرفين يرغبان في الحصول على الملاحظات المفيدة، لكن الواقع في الميدان هناك الحالة لا يتحقق فيها الإنجاز أو يقال إنها "التقصير". حدث التقصير أيضًا في إجارة سيارة Bowriz الذي كان موضوع البحث. من هذا البيان، تنشأ المسألة هي ما تطبيق حل المنازعات الناشئة عن التقصير في إجارة السيارات Bowriz و كيف منظور الشريعة الإسلامية في حلها.وهذا البحث يهدف لمعرفة تطبيق حل المنازعات الناشئة عن التقصير في إجارة السيارات Bowriz ومنظور الشريعة الإسلامية في حلها. كان أسلوب جمع البيانات هي المقابلة والملاحظة المباشرة، وطلب وثائق إجارة السيارات. يتم تحليل البيانات في هذا البحث باستخدام طرق التحليل النوعي مع النهج الاستقرائي. الشريعة الإسلامية المستخدمة هي مبدأ المعاملات الذي أوصى به القرآن والسنة. تظهر نتائج البحث الذي تم إجراؤه أن حل المنازعات في هذه إجارة السيارات بطريقة المداولة والوساطة. يوافق هاتان الطريقتان مع الشريعة ا...

Ijtihad : Jurnal Hukum dan Ekonomi Islam, 2021