Islam hukukunun genel amaci, insanligin refahini veya faydasini (maslahat) artirmak veya kotulukten (mefsedet) sakindirmaktir. Islami finans, dogasi geregi sosyal/toplumsal yonu olan bir Islam ekonomisi sisteminin parcasi olarak gorulmektedir. Bu sistemin genel hedefi; ekonomide buyume ve adaleti saglayarak tezahur edebilen Şeriatin maksatlarini gerceklestirmektir (Siddiqi, 2004). Bu calismada, urunlerle iliskili olarak makasid in karakterizasyonu/tarifi ortaya konulmaktadir.
{"title":"ŞERİATIN MAKSATLARI VE İSLAMİ FİNANS ÜRÜNLERİ: DEĞERLENDİRME İÇİN BİR ÇERÇEVE","authors":"Feyza Cevherli","doi":"10.25272/IJISEF.555999","DOIUrl":"https://doi.org/10.25272/IJISEF.555999","url":null,"abstract":"Islam hukukunun genel amaci, insanligin refahini veya faydasini (maslahat) artirmak veya kotulukten (mefsedet) sakindirmaktir. Islami finans, dogasi geregi sosyal/toplumsal yonu olan bir Islam ekonomisi sisteminin parcasi olarak gorulmektedir. Bu sistemin genel hedefi; ekonomide buyume ve adaleti saglayarak tezahur edebilen Şeriatin maksatlarini gerceklestirmektir (Siddiqi, 2004). Bu calismada, urunlerle iliskili olarak makasid in karakterizasyonu/tarifi ortaya konulmaktadir.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"50 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116603298","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"What is Wrong and What is Next for Pension System in Turkey: A New Interest Free Model Proposed","authors":"Levent Sümer, Beliz Özorhon","doi":"10.25272/ijisef.559898","DOIUrl":"https://doi.org/10.25272/ijisef.559898","url":null,"abstract":"","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"28 9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124258974","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to evaluate the governance practices in Islamic banks in Indonesia by using the governance standards developed from AAOIFI and IFSB as the international sharia governance guidelines accepted throughout the world. Furthermore, this research will also identify what aspects have been and have not been fulfilled by Islamic banking in Indonesia in order to realize governance as expected. This research is a quantitative descriptive study that uses content analysis to explore and analyse the data. This study uses data sourced from annual reports, financial reports and websites of 12 Islamic banks in Indonesia, in 2016. Overall the data indicated that the index of governance of Islamic banks in Indonesia was still low when the guidelines sourced from AAOIFI and IFSB were used as benchmarks. The average score achieved by Islamic banks was 37%. Based on the guidelines prepared by Hasan (2011), the score was classified as emerging practices. The focus of Islamic banks to general governance was higher than specific governance information. Statistical tests demonstrated that this difference is significant.
{"title":"Disclosure of Governance Practice by Islamic Banks in Indonesia","authors":"Inten Meutia, M. Adam","doi":"10.25272/IJISEF.466463","DOIUrl":"https://doi.org/10.25272/IJISEF.466463","url":null,"abstract":"This study aims to evaluate the governance practices in Islamic banks in Indonesia by using the governance standards developed from AAOIFI and IFSB as the international sharia governance guidelines accepted throughout the world. Furthermore, this research will also identify what aspects have been and have not been fulfilled by Islamic banking in Indonesia in order to realize governance as expected. This research is a quantitative descriptive study that uses content analysis to explore and analyse the data. This study uses data sourced from annual reports, financial reports and websites of 12 Islamic banks in Indonesia, in 2016. Overall the data indicated that the index of governance of Islamic banks in Indonesia was still low when the guidelines sourced from AAOIFI and IFSB were used as benchmarks. The average score achieved by Islamic banks was 37%. Based on the guidelines prepared by Hasan (2011), the score was classified as emerging practices. The focus of Islamic banks to general governance was higher than specific governance information. Statistical tests demonstrated that this difference is significant.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125980049","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Abraham L. Udovitch 1970 senesinde Princeton University Press tarafindan yayimlanan eserinde Ortacag’da Islam’da ortaklik ve commenda konularini ele almaktadir. Udovitch eserinin giris bolumunde ortaklik ve commenda akitlerini, “Ortacag Islam dunyasinin ticari hayatinin kusursuz birer nitel bileseni” olarak tanimlamaktadir. Mezkur tanimlamadan da anlasilacagi uzere bu eser, ortaklik ve commenda akitlerinin nitel yonlerini ele almis, yine yazarin ifadeleri ile “kaynak ve dokuman yetersizliginden dolayi Ortacag ticaretinin nicel taraflarina dair arastirma yapmanin buyuk olcude imkânsiz olmasi” sebebiyle ortaklik ve commenda akitlerinin nicel yonlerine yer vermemistir. Soz konusu eser, gunumuz Islami finans literaturunde konvansiyonel finans urunlerine daha yakin oldugu kabul edilen murâbaha akdine alternatif bir urun arayisi icerisinde olundugu bu zamanda, ortaklik ve commenda akitlerinin bu anlamda Ortacag ticari hayati icerisinde oynadigi rolu acik bir sekilde ortaya koymaktadir.
Abraham L. Udovitch 在 1970 年由普林斯顿大学出版社出版的著作中论述了中世纪伊斯兰教中的合伙关系和委托合同。Udovitch 在其著作的导言中将合伙和委托合同描述为 "中世纪伊斯兰世界商业生活中完美的定性组成部分"。从上述描述中可以了解到，这部著作涉及的是合伙和委托合同的质的方面，并不包括合伙和委托合同的量的方面，因为用作者的话说，"由于缺乏资料和文献，对中东贸易的量的方面的研究基本上是不可能的"。这部著作清楚地表明了合伙合同和委托合同在中世纪商业生活中的作用，而此时人们正在寻找 murābaha 合同的替代品，在当今的伊斯兰金融文献中，人们认为 murābaha 合同更接近于传统金融产品。
{"title":"Partnership and Profit in Medieval Islam","authors":"İsmail Bektaş","doi":"10.25272/IJISEF.595541","DOIUrl":"https://doi.org/10.25272/IJISEF.595541","url":null,"abstract":"Abraham L. Udovitch 1970 senesinde Princeton University Press tarafindan yayimlanan eserinde Ortacag’da Islam’da ortaklik ve commenda konularini ele almaktadir. Udovitch eserinin giris bolumunde ortaklik ve commenda akitlerini, “Ortacag Islam dunyasinin ticari hayatinin kusursuz birer nitel bileseni” olarak tanimlamaktadir. Mezkur tanimlamadan da anlasilacagi uzere bu eser, ortaklik ve commenda akitlerinin nitel yonlerini ele almis, yine yazarin ifadeleri ile “kaynak ve dokuman yetersizliginden dolayi Ortacag ticaretinin nicel taraflarina dair arastirma yapmanin buyuk olcude imkânsiz olmasi” sebebiyle ortaklik ve commenda akitlerinin nicel yonlerine yer vermemistir. Soz konusu eser, gunumuz Islami finans literaturunde konvansiyonel finans urunlerine daha yakin oldugu kabul edilen murâbaha akdine alternatif bir urun arayisi icerisinde olundugu bu zamanda, ortaklik ve commenda akitlerinin bu anlamda Ortacag ticari hayati icerisinde oynadigi rolu acik bir sekilde ortaya koymaktadir.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131106128","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Niyazi Gümüş, Fatih Yardımcıoğlu, Nurullah Altıntaş
Poverty has been the leading social and economic problem of societies both in the past and today for the decades. This study examines the status of poverty in the Turkish economy and the role of zakat in poverty reduction. The zakat potential is analyzed in three methods and it is concluded that poverty in Turkey could be completely resolved via a potential zakat fund. It is suggested that to reduce poverty in Turkey, zakat should be enforced by favor of the state and it should be based on institutional foundations.
{"title":"THE ROLE OF ZAKAT POTENTIAL IN REDUCING POVERTY IN TURKEY","authors":"Niyazi Gümüş, Fatih Yardımcıoğlu, Nurullah Altıntaş","doi":"10.25272/IJISEF.575488","DOIUrl":"https://doi.org/10.25272/IJISEF.575488","url":null,"abstract":"Poverty has been the leading social and economic problem of societies both in the past and today for the decades. This study examines the status of poverty in the Turkish economy and the role of zakat in poverty reduction. The zakat potential is analyzed in three methods and it is concluded that poverty in Turkey could be completely resolved via a potential zakat fund. It is suggested that to reduce poverty in Turkey, zakat should be enforced by favor of the state and it should be based on institutional foundations.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"37 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124858357","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper illustrates the deadweight loss in the Interest-based Microfinance program compared to the interest-free or Islamic Microfinance regarding ‘ consumer’ surplus, producer’ surplus, loan price and the quantity demanded of Microfinance loan’ . It has been prepared based on the secondary data on the twenty Micro finance institutions of the Nine countries of the world and world micro finance data. This paper employs the numerical example and graphical presentation to measure the dead weight loss . This paper finds that, consumer’ surplus is at least 3 times lower in the conventional Microfinance program; producer’ surplus is higher in the Islamic Microfinance than the conventional Microfinance. The loan price is at least 142%-241% higher in conventional Microfinance than the Islamic Microfinance. Besides, the quantity demanded of Microfinance loan is higher in the Islamic Microfinance than the conventional Microfinance. Key Words: Deadweight Loss, Interest-based Microfinance, Interest-free Microfinance, Islamic Microfinance, Consumer and Producer Surplus, Loan price KAUJIE Code: H15, J31 JEL Code: G21, I31, Z12
{"title":"Deadweight Loss in the Interest-based and the Interest-Free (Islamic) Microfinance Programs: A Comparative Analysis","authors":"Basharat Hossain","doi":"10.25272/IJISEF.509230","DOIUrl":"https://doi.org/10.25272/IJISEF.509230","url":null,"abstract":"This paper illustrates the deadweight loss in the Interest-based Microfinance program compared to the interest-free or Islamic Microfinance regarding ‘ consumer’ surplus, producer’ surplus, loan price and the quantity demanded of Microfinance loan’ . It has been prepared based on the secondary data on the twenty Micro finance institutions of the Nine countries of the world and world micro finance data. This paper employs the numerical example and graphical presentation to measure the dead weight loss . This paper finds that, consumer’ surplus is at least 3 times lower in the conventional Microfinance program; producer’ surplus is higher in the Islamic Microfinance than the conventional Microfinance. The loan price is at least 142%-241% higher in conventional Microfinance than the Islamic Microfinance. Besides, the quantity demanded of Microfinance loan is higher in the Islamic Microfinance than the conventional Microfinance. Key Words: Deadweight Loss, Interest-based Microfinance, Interest-free Microfinance, Islamic Microfinance, Consumer and Producer Surplus, Loan price KAUJIE Code: H15, J31 JEL Code: G21, I31, Z12","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"42 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127097172","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Critique of the Human Resources Concept in the Context of the Modern World and The Emergence of Human Values Idea","authors":"Temel Hazıroğlu","doi":"10.25272/ijisef.455846","DOIUrl":"https://doi.org/10.25272/ijisef.455846","url":null,"abstract":"","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121828013","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Titin Vegirawati, D. Susetyo, Inten Meutia, L. Fuadah
The purpose of this study is to examine the influence of contribution of shari’ah bank stakeholders on profit and loss sharing financing, in the case of Indonesia. Stakeholders contributions consisted of Investors, Depositors, Management, and shari’ah supervisory board. 9 Islamic commercial banks and 16 Islamic business units were selected using purposive sampling method. Data obtained from annual reports from 2011 to 2016. The results of the study with multiple regression models show that stakeholder contributions, such as mudharabah depositors and management have a positive influence on profit and loss sharing financing. Other stakeholder contributions proved to have no significant effect on profit and loss sharing financing.
{"title":"Do Contributions of Islamic Banks Stakeholders Influence Profit and Loss Sharing Financing? : Empirical Evidence in Indonesia","authors":"Titin Vegirawati, D. Susetyo, Inten Meutia, L. Fuadah","doi":"10.25272/IJISEF.455191","DOIUrl":"https://doi.org/10.25272/IJISEF.455191","url":null,"abstract":"The purpose of this study is to examine the influence of contribution of shari’ah bank stakeholders on profit and loss sharing financing, in the case of Indonesia. Stakeholders contributions consisted of Investors, Depositors, Management, and shari’ah supervisory board. 9 Islamic commercial banks and 16 Islamic business units were selected using purposive sampling method. Data obtained from annual reports from 2011 to 2016. The results of the study with multiple regression models show that stakeholder contributions, such as mudharabah depositors and management have a positive influence on profit and loss sharing financing. Other stakeholder contributions proved to have no significant effect on profit and loss sharing financing.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128141359","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The purpose of this research is to analyze the contribution of Islamic microfinance with Grameen Bank pattern to economic empowerment and poverty alleviation to BMT Ibadurrahman members. This study uses a quantitative approach. Primary data collection techniques using a questionnaire. While secondary data comes from BMT annual reports (Baitul Mal wa Tamwil), journals, and other related literature. The sampling technique used is purposive sampling. The number of samples used were 100 female poor respondents of BMT Ibadurrahman members. The analysis technique used is the Spearman correlation. This study concludes that Islamic microfinance with the Grameen Bank pattern has a positive contribution to the economic empowerment of poor women. Financial capital and social capital are the keys to success in empowering the poor. Islamic microfinance with the Grameen pattern also has a significant relationship with poverty alleviation. This research also proves that poverty can be overcome if economic development is based on human development.
本研究的目的是分析格莱珉银行模式的伊斯兰小额信贷对BMT Ibadurrahman成员经济赋权和扶贫的贡献。本研究采用定量方法。使用问卷调查的原始数据收集技术。而次要数据来自BMT年度报告(Baitul Mal wa Tamwil)、期刊和其他相关文献。使用的抽样技术是有目的的抽样。使用的样本数量为100名BMT Ibadurrahman成员的贫困女性受访者。使用的分析技术是斯皮尔曼相关。本研究的结论是，格莱珉银行模式的伊斯兰小额信贷对贫穷妇女的经济赋权有积极贡献。金融资本和社会资本是成功增强穷人权能的关键。格莱珉模式的伊斯兰小额信贷也与减轻贫困有重要关系。这项研究还证明，如果经济发展以人的发展为基础，贫困是可以克服的。
{"title":"ECONOMIC EMPOWERMENT OF POOR WOMEN WITH GRAMEEN BANK PATTERNS ON BAITUL MAL WA TAMWIL IBADURRAHMAN","authors":"H. Sobana, U. Husaeni","doi":"10.25272/IJISEF.450600","DOIUrl":"https://doi.org/10.25272/IJISEF.450600","url":null,"abstract":"The purpose of this research is to analyze the contribution of Islamic microfinance with Grameen Bank pattern to economic empowerment and poverty alleviation to BMT Ibadurrahman members. This study uses a quantitative approach. Primary data collection techniques using a questionnaire. While secondary data comes from BMT annual reports (Baitul Mal wa Tamwil), journals, and other related literature. The sampling technique used is purposive sampling. The number of samples used were 100 female poor respondents of BMT Ibadurrahman members. The analysis technique used is the Spearman correlation. This study concludes that Islamic microfinance with the Grameen Bank pattern has a positive contribution to the economic empowerment of poor women. Financial capital and social capital are the keys to success in empowering the poor. Islamic microfinance with the Grameen pattern also has a significant relationship with poverty alleviation. This research also proves that poverty can be overcome if economic development is based on human development.","PeriodicalId":136568,"journal":{"name":"International Journal of Islamic Economics and Finance Studies","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125367287","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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