Session 1

Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.

Course: Sharia Entrepreneurship
Objectives

01 Students can mention and understand:

The differences between Entrepreneur and Muslimpreneur

02 Students can explain:

The Business Ethics of Prophet Rasulullah SAW and what should be avoided.

Student can mention and understand:

03 Islamic Business Ethics and Conventional Business

04 Students can mention and understand:

Islamic Business Implementation in several Industries

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 EMPLOYEE VS ENTREPRENEUR

Richard Cantillon (1725)

“Entrepreneur is a person who dares
to take a risks between supplier /
suppliers of goods (farmers / craftmen)
whose goods are bought at certain
price to be sold to the consumers at
uncertain price”

Jean Baptiste Say (1803)

“Adding the definition of Cantillon,
Entrepreneur are also leaders who take
an initiative.”

Joseph Schumpeter (1934)

“Entrepreneur is an innovator and
Source: makersladder.com
developer of a technology that has not
been tried before.”

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
The choices . . .

As an entrepreneur or as an employee?

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 ENTREPRENEUR MOTIVATION

We believe that success can

be achieved by helping others
to achieve their success

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 ENTREPRENEURSHIP
+ Derived from the word of ENTREPRENDE which means adventures, risk takers,
contractors, entrepreneurs and creators who sell their creations.

+ Entrepreneurship is:
1. KNOWLEDGE
A knowledge which is the result of research arranged as a useful source of
information for others. So entrepreneurship can be included as scientific disciplines
both theoretical and empirical (from the research).

2. PERSONALITY AND ATTITUDE

The positive attitude of a tenacious personality and never give up that become an
example for others and not easy complacent.

3. PHILOSOPHY
A choice and success is accumulation of our right choices into one direction namely
dreams.

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 ENTREPRENEURSHIP
+ Entrepreneurship is:

4. SKILL
Merging of two important concepts of knowledge and experience that is felt and
carried out through ups and downs to become skilled and ultimately become an
expertise in running the business.

5. ART
The process of finding idea, inspiration and business opportunity will required
imagination, visualisation and thoughtful that sometimes have to be contrary to logic.

6. PROFESSION
The process of looking for work (job seeker) or creating jobs (entrepreneur) that are
professional, honest, openminded, committed, consistent, right on promises,
responsibility, understand professional ethics and discipline.

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 ENTREPRENEURSHIP

+ Entrepreneurship is:

7. INSTINC
The instinct to find an opportunity and business idea that eventually become a
successful business.

8. DREAMS OF SOMEONE
A person’s dream even a hidden dream since he / she was a teenager or adult.

9. CHOICES OF SOMEONE’S LIFE

The purpose of a personal’s life is to be able to support his family by being an
employee (worker) or an entrepreneur. So there is nothing wrong if people choose to
be an entrepreneur is a LIFE CHOICE.

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 FEATURES OF ENTREPRENEUR

OPPORTUNITY
CREATOR
Be able to see and
creates opportunity INOVATOR
Be able to change
unpleasant
circumstances into
Productive situation
RISK TAKER
Be able to take financial risk with
calculation (loss) and mentally
failure also be able to rise
from failures

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.

1. Business Entrepreneur
Owner Entrepreneurs are the creators
and business owners.
Professional Entrepreneur are those
people who have entrepreneurial power
but apply and practice it in someone
else’s company.
2. Government Entrepreneur:
1. Lee Kuan Yew is the former Prime
Minister of Singapore who leads,
manages and grows Singapore with
entrepreneur’s spirit and skill.
2. Sheik Mohammed bin Rashid al-
Maktoum, a Dubai leader who
manage his country like managing
the company (by TIME Magazine).
TYPE OF ENTREPRENEURSHIP
3. Academic Entrepreneur
Describe academics who teach or manage
education with entrepreneurial patterns and
styles while still managing the noble goals of
education.
4. Social Entrepreneur
Social Entrepreneur is someone who
understands sosial problems and uses the ability
of entrepreneurship to make social changes,
especially in the fields of welfare, education and
health.
If a business entrepreneur measures the success
by financial performance (profit and
development), then the success of social
entrepreneur measured by the profit and the
benefits felt by the society / community.
Session 1: Building Muslim Entrepreneur Mindset
Andriyastuti Suratman, SE, MM.
 TYPE OF ENTREPRENEURSHIP

BUSINESS REWARDS

DREAMS
PROFIT FREEDOM INDEPENDENCE
PERSONAL

Free to set the time

Can determine the Proud and
management and Have standard of
profit and how independent with
the rule of the living. Build their
much will pay the management skill
company’s own vision, mission
team and other and leadership
organisation and and dreams
parties abilities
culture

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
ENTREPRENEUR VS MUSLIMPRENEUR

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
Session 1: Building Muslim Entrepreneur Mindset
Andriyastuti Suratman, SE, MM.
How is the existence of
entrepreneurship in Islam?
AKHLAQ in ISLAM

Spiritualism

Worship
Az Zariyat: 56

Muamalah/ Social

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 FOUNDATION

He also subjected to you whatever is between the heavens and the earth; all from
Himself. Surely there are signs in this for those who think. QS Al Jatsiyah: 13
Dan Dia menundukkan apa yang ada di langit dan apa yang ada di bumi untukmu
semuanya (sebagai rahmat) dari-Nya. Sungguh, dalam hal yang demikian itu benar-
benar terdapat tanda-tanda (kebesaran Allah) bagi orang-orang yang berpikir. (al
jatsiyah: 13)

And He is the One Who has made the night a mantle for you, and sleep a rest, and made
the day to rise up again. (QS Al Furqon : 47).
Dan Dialah yang menjadikan malam untukmu (sebagai) pakaian, dan tidur untuk
istirahat, dan Dia menjadikan siang untuk bangkit berusaha. (Al Furqon: 47)

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 FOUNDATION

"When the prayers have been fulfilled, then you will be scattered on the face of the earth; and seek
the gift of Allah and remember Allah a lot so that you may be lucky. " (Al-Jumu'ah: 10).

And look for what Allah has given you (happiness) in the land of the hereafter, and do not
forget your share of (pleasure) worldly and do good (to others) as Allah has done good to you,
and do not do damage to the earth. Indeed, Allah does not like those who do damage. " (Al-
Qashas: 77).
Dan carilah (pahala) negeri akhirat dengan apa yang telah dianugerahkan Allah kepadamu, tetapi janganlah kamu lupakan bagianmu
di dunia dan berbuatbaiklah (kepada orang lain) sebagaimana Allah telah berbuat baik kepadamu, dan janganlah kamu berbuat
kerusakan di bumi. Sungguh, Allah tidak menyukai orang yang berbuat kerusakan (QS Al Qashah:77).

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 FOUNDATION

From Al-Miqdam bin Ma'dikarib RA. : Prophet SAW.

said, "there is no food better than a person except
the food that he gets from the money he sweat
himself. Prophet of Allah, David AS. eat from the
results of his own sweat. " (H.R. Al Bukhori)

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 MUSLIMPRENEUR ETHICS

BORN

TIMELINE BEFORE HUMAN EXISTED TIMELINE AFTER HUMAN DIE

Infinite time before human existed Infinite time after human extinct

PASS AWAY

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 MUSLIMPRENEUR ETHICS
Meaning of
Ethics —-> Ethics —> English —> morality
Moral —> Mores —> means habit

The Meaning of Ethics

1. The perspective of good and bad
2. Knowledge that consider human actions or attitude whether good or bad.
3. Universal virtues.

Sources of Ethics
1. Secular Resources
According to human reason and mind or culture.
2. Religious Resources
Good and bad have been linked to the teaching of God Almighty.
3. Al-Islam Resources
Hablumminallah : Good relationship with Allah
Hablumminannas. : Good relations between humans
Good relations with other creatures and the universe

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 PHILOSOPHY ISLAMIC BUSINESS ETHICS

A. Islamic Economy as a Brotherhood Economy

Liberal Economy : individual interests.
Communist Economy : socialist, fight for the interests of the people.
Islamic Economic : fighting for the relatives interest (kepentingan saudara).

B. Islamic Economy as a Tauhid Economy

Economy that relies on the teaching of God in all its activities.
Syariat:
Wajib : Mandatory (Have to be done)
Sunnah : Sunnah
Mubah : Allowable
Makruh : Things to avoid
Haram : Forbidden

C. Islamic Economy as a Rahmatan lil Alamin Economy

The orientation is not only individuals and or communities interests.
It is not only pursue worldly interest.
Pursuing ukhrawi interests as well.

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 1. Akhlakul Khasanah (Akhlaq yang Baik)
General / common
The reward of goodness with the same
value.

2. Akhlaqul Karimah (Akhlaq yang Mulia)

Higher than Akhlaqul Khasanah
AKHLAQ in ISLAM There is an attempt to double the
goodness

3. Akhlaqul Adhim (Akhlaq yang Agung)

The highest level of Akhlaq
Always giving back with a good things
whatever they got (good and bad).

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 THE PROPHET MUHAMMAD SAW
Story

Shepperd while
01 childhood 03 Build reputation
Fullfil promises
6 years old as orphan 02
12 years old 04
Honest
Lived with Grandpa Start doing trade to Attratctive
Abdul Muthalib Suriah/Syam Provide benefits
17 years
8 years old Traded to Yordania, Busra,
Cared by Abu Thalib Irak, Bahrain & Yaman
(uncle – Ali’s father

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 THE PROPHET MUHAMMAD SAW

PERSONALITY OF THE PROPHET MUHAMMAD SAW

Amanah
Siddiq (True)
(Trustworthy)
PERSONALITY
The Prophet
Muhammad SAW
Tabligh Fathonah
(Communicate) (Wise)

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 THE PROPHET MUHAMMAD SAW

Honest,
Trustworthy,
Islamic Business Doing right
scale The object of
Ethics of
transaction is
The Prophet halal
Muhammad
Beneficial for
both of the
parties and shall
not betray

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
Unsur yang harus dihindari dalam melakukan transaksi dalam Islam

Ghabn, Ghisy dan Gharar Mudhtar Riba

Tadlis (raising / (in an (interest / excess
(product obscurity)
lowering prices "Do not buy and sell fruit, emergency, can repayments due to
viciously/extermely); until the fruit fit for create a high loans)
(hide the consumption" (H.R Ahmad potential for
information); (mixing bin Hanbal, Muslim, an- exploitation) Najsy
similar items with Nasa'i, and Ibn Majah). (involves the
different qualities) scenario of making
bids to raise prices)
Ihtikar
(hoarding goods
Maysir (Gambling)
while out there is (Q.S Al-Maidah : 90) Ikrar
very much people "O you who believe, do not eat each (doing business
needed it) other's wealth in an evil way, except by with the pressure /
way of commerce that is consensual coercion to sell-buy)
among you. And don't kill yourselves,
verily Allah is Most Merciful to you. "
(Surah An-Nisa: 29)

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 ISLAMIC BUSINESS ETHICS

Effective Ways to Implement Things that Business Person should

Business Ethics: avoid:

1. Honour the customers or the business 1. Gharar (product obscurity)

partners or relatives. 2. Maisir (Speculation)
2. Offering what is needed. 3. Riswah (Bribe)
3. Offering goods and services that drive 4. Haram
productivities.
5. Zhulum (Blackmailing, cheating, Stealing the
4. Fair competition. rights of others).
5. Halal and Beneficial (legal) of product and 6. Riba (interest / excess repayments due to
service. loans)
6. Good quality of product and service 7. Products that cause harm (maksiat).
7. Care and protect to the environment.
8. Product and service that not cause harm
(maksiat).

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 BUSINESS
ISLAMIC CONVENTIONAL
CHARACTER
ISLAMIC VS CONVENTIONAL BUSINESS
Secularism
Aqidah Islam BASIC
(materialistic value)
Present - Afterlife MOTIVATION Present
Profit & Benefit
Profit
Growth
ORIENTATION Growth
Sustainability
Sustainability
Blessing (Berkah)
Work as Ibadah WORK ETHIC Hard work as necessity

Skilled, expert and responsible as a Skilled, expert and the responsibility

EXPERTISE
Moslem motivate by reward and punishment

Depending in individual will

Trustworthy, responsible and Fair AMANAH
Implement unfairness
Halal CAPITAL Halal and Haram
HUMAN According to the wishes of Capital
According to the contract (akad)
RESOURCES Owner

Halal RESOURCES Halal dan Haram

The vision and mission of the organisation The vision and mission of the
STRATEGIC
are related to the mission of human organisation are based on material
MANAGEMENT
creation in the world. interest

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 ISLAMIC BUSINESS CAPITAL
ISLAMIC BUSINESS CAPITAL ATTITUDE ISLAMIC BUSINESS
OWNER
1. Aqidah
1. Sincere (ikhlas).
Business people believe that the
result achieved are gift from Allah 2. Honest, Trusworthy, and confident.
SWT. 3. Love the work and work hard with
2. Ibadah integrity
The purpose of the business is doing 4. Keeping promises.
Ibadah. 5. Discipline.
3. Akhlaq Mulia 6. Be grateful and efficient (not
Hablumminallah and Hablumminannas wasteful).
4. Talent and Business Instinc 7. Able to develop themselves and love
Business people develop their talent, to learn.
knowledge and sense of the business 8. Keep doing ikhtiar and doa (pray).
to run the business and solve 9. Respect the team and the partners.
problems.
10. Implement Ukhuwah Islamiah.
5. Positive Mental Attitude
11. Implement Corporate Social
Responsibility.
12. Focus to the goals.

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 ISLAMIC BUSINESS IMPLEMENTATION
EDUCATION INDUSTRY
1. Curriculum
Creating a curriculum that ca
be used in life.
2. Facility
Provide proper infrastructure.
3. Educational Administrator
Giving excellent service
4. Educators
Organising a creative, effective
and fun in learning process.
Develop the knowledge and
skill inside and outside campus.
5. Students
Use their time wisely and
useful.
Following the learning process
with the integrity.
Developing the life skill.
HEALTH INDUSTRY
THINGS YOU MUST AVOID:
1. Practices of doctors and other health
workers who are not shari’a.
2. Hostage a baby because his family is
poor.
3. Violations of the ethical profession by
the doctor and paramedics in various
way.
4. Sell and promote the incomplete drug
information.
5. Misuse of non-standard medical
devices.
6. The patient’s belief that the cure is the
doctor.
7. Treatment by uncertified medical
Session 1: Building Muslim Entrepreneur Mindset
Andriyastuti Suratman, SE, MM.
 ISLAMIC BUSINESS IMPLEMENTATION

TRADE & SERVICE INDUSTRIAL SECTOR

INDUSTRY 1. The raw material are sourced from halal
processes.
1. Be Honest
2. The production process held by halal
2. Sell good quality product / service
ways.
3. Halal
3. Non-Bank Capital (RIBA)
4. Do not hide the defect
4. The place that use for the business is not
5. Do not promise something that can a dispute place (land).
be fulfilled.
5. Not doing the exploitation to the labor.
6. Fair competition
6. The founder and the team behave
7. Generous according to Islamic beliefs.
8. Giving the salary on time 7. The production process does not give
9. Record the debts and receivables negative impact to the environment.
10. Avoide RIBA 8. The benefit of the business is not only
11. Implement Zakat dedicated for individual purposes but
also give the impact to the society.

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 ISLAMIC BUSINESS IMPLEMENTATION
TOURISM INDUSTRY ENTERTAINMENT INDUSTRY
1. To please people in positive way. 1. Showing the performances that do not cause
2. Achieve reasonable margin (not maximising the viewer to forget their prayer time.
the profit). 2. Considering the contents and the discretion of
3. Giving complimentary service. audience.
4. Implement Shari’a Law. 3. Avoid showing the content that materialistic,
A. Implement Zakat consumptive, mystical, adultery, violence, etc
B. Provide Halal Food & Beverage 4. Art and Culture VS Islamic Thought.
C. Provide prayer place. 5. Become a wise audiences so you can avoid
negative impact from the entertainment
industry.
AGRICULTURE INDUSTRY
1. Taking care the soil fertility. FORESTRY INDUSTRY
2. Taking care the plants 1. Making the supervison process effective by
3. Utilise the untreated land. professional with integrity (not practicing
4. Implement zakat in agriculture industry bribery).
according to Islamic Law (5-10%). 2. Law enforcement.
5. Be wise with the beneficial plant. 3. Involving the community in forest
management.
4. Implement akhlaqul karimah in the company.
5. Not greedy, wasteful and responsible to the
nature.
Session 1: Building Muslim Entrepreneur Mindset
Andriyastuti Suratman, SE, MM.
 MAQASID SYARI’AT
Destination, intention, purpose, & resolution
Syar’i, jalan menuju air, ke arah sumber kehidupan
Etimologi

Allah determinantion for servant

(aqidah, akhlaq, ibadah, muamalah)
Terminology
Objectives of
MAQASID MASLAHAH
SYARI’AT

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
Objectives of Maqashid sharia?

Hifdzu al-’aql
Hifdzu al-din Hifdzu an nafs Hifdzu al-nasl Hifdzu al-mal
Keep mind,
Guard religion Safe the soul, life Keep decesdant Safe the wealth
intelectuality

The central idea of maqashid al-Sharia or

provisions as a form of Allah's love to protect
humans, not getting lost and far from the
blessings and pleasure of Allah.

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
Imagination!
Session 1: Building Muslim Entrepreneur Mindset
Andriyastuti Suratman, SE, MM.
Imagination!

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
 What ever it is, the rule maker
has a specific purpose to regulate such
regulations

So does with Sharia Law

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
Muslimpreneur Characteristic

Creative & innovatif

Empowerment Proactive

Hands on/giver Balance of ukhrowi & worldly

Humble Trust

Learner Productive & risk taker

Session 1: Building Muslim Entrepreneur Mindset

Andriyastuti Suratman, SE, MM.
THANK YOU

andri_suratman@uii.ac.id

@andriyastuti suratman

081227798299

Andriyastuti Suratman
Session 1: Building Muslim Entrepreneur Mindset
Andriyastuti Suratman, SE, MM.