scholarly journals Implementasi Syariah Compliance pada Akad Murabahah dan Ijarah (Studi Kasus Pada KSPPS BMT Fastabiq Jepara)

2018 ◽  
Vol 7 (2) ◽  
pp. 88
Author(s):  
Silvia Dora Bonita ◽  
Aan Zainul Anwar

<p>This study aims to determine: 1) the principles of financing agreement murabaha and Ijarah in accordance with Islamic law, 2) the implementation of the financing agreement murabaha and Ijarah, and 3) the factors that caused the broken promise in murabaha and ijarah financing agreement in BMT Fastabiq Jepara well as a way to resolve. This research is a field research with a qualitative approach, the research has the characteristics that the data declared in a state appropriately or as their (natural setting), with no change in the shape of symbols or numbers and descriptive based on questions how. And data processing technique is to use a qualitative descriptive technique. The results of the analysis show that: 1) The principles of murabaha financing agreement on BMT Fastabiq Jepara accordance with Islamic sharia as the murabaha financing agreement executed included also wakalah. The principle of Ijarah financing agreement yet on BMT Fastabiq Jepara accordance with Islamic sharia because it is not included wakalah in it. 2) Execution of Murabahah and Ijarah financing agreement in Jepara Fastabiq BMT carried out according to established procedures BMT Fastabiq Jepara. And 3) the factors that led to broken promises in murabaha and Ijarah financing agreement in BMT Fastabiq Jepara is internal and external factors. The steps undertaken BMT Fastabiq Jepara in overcoming these factors include identifying the problem, if there is a problem that complicated it will be a step family, but if they can not be resolved then it will be taken legal action.</p>

Dialog ◽  
2020 ◽  
Vol 43 (2) ◽  
pp. 249-264
Author(s):  
Novia Fetri Aliza ◽  
Putri Krisdiana ◽  
Yusri Hamzani

This article discusses religiosity among criminals who pleaded guilty with death penalty at Lembaga Pemasyarakatan (Lapas) Permisan Nusakambangan. This focuses on two major issues; religiosity among the criminals and factors that contribute to the level of religiosity. The author carries out a field research by conducting interview and documentation. Subjects of the research are limited to three main categories; Muslim males in Indonesia, punished with capital punishment, and waiting for execution for more than ten years. The data obtained are analyzed using a theory of religiosity that is developed in religious study and psychology. The result of the study shows that the religiosity of the criminals who are punished with capital punishment are very good based on aspects of religiosity, such as; belief, Islamic law, and behavior of the criminals. Moreover, this religiosity is affected by internal and external factors. Internal factors relate to their confession of the past sins and the fear of death, while the external factors relate to the roles of their parents, children, and wife. Artikel ini membahas tentang religiusitas narapidana vonis hukuman mati di Lembaga Pemasyarakatan Permisan Nusakambangan. Terdapat dua pembahasan utama yang dikaji dalam artikel ini: kondisi religiusitas narapidana vonis hukuman mati yang saat ini mendekam di lapas Permisan dan faktor-faktor yang membentuk sikap religius mereka. Untuk mendapatkan data seputar dua pembahasan utama tersebut, penulis menggunakan jenis penelitian lapangan dengan metode wawancara dan dokumentasi. Subjek dalam pembahasan ini juga dibatasi pada tiga kategori, yaitu orang Indonesia yang beragama Islam, mendapatkan vonis hukuman mati, sedang dalam masa menunggu eksekusi mati lebih dari sepuluh tahun dan berjenis kelamin laki-laki. Pada tahap selanjutnya, informasi yang didapatkan pada subjek penelitian tersebut dianalisis menggunakan teori religiusitas yang terdiri dari tiga dimensi utama, yaitu akidah, syariah, dan akhlak. Berdasarkan beberapa data yang didapatkan, kondisi religiusitas narapidana vonis hukuman mati di lapas Permisan sangat baik, hal ini terlihat dari pelaksanaan tiga dimensi utama religiusitas itu sendiri. Pada sisi kedua, religiusitas narapidana dipengaruhi oleh faktor internal berupa kesadaran atas dosa masa lalu dan ketakutan akan kematian. Sedangkan motivasi eksternal didapatkan dari orang tua, anak dan istri.


2021 ◽  
Vol 1 (2) ◽  
pp. 158-171
Author(s):  
Yulia Anggraini

The character of the customer is very important to analyze in the process of financing analysis. Character is an aspect of personal nature and concerns the depth of an individual's soul, so that character becomes difficult to identify. The purpose of this study was to determine whether Bank Syariah Indonesia KCP Nganjuk also conducted an in-depth character analysis. This field research uses a qualitative approach, with data collection techniques carried out using interviews and documentation. The data processing technique is done by data reduction, data presentation, and then conclusions. The results of this study are discrepancies in several points in the assessment using character analysis because at Bank Syariah Indonesia KCP Nganjuk implements 5C completely, although according to them, the character is important, the character can change along with financial conditions, economic conditions such as because of covid-19, dishonest customer character, manipulated business or work conditions, both stocks of goods and suppliers, purchases of goods are not by was proposed so that customer breaks his promise and does not fulfill his responsibility to repay the financing to the bank.Karakter nasabah adalah hal yang sangat penting untuk dianalisisis dalam proses analisis pembiayaan. Karakter merupakan aspek dengan sifat pribadi dan menyangkut kedalaman jiwa seorang individu, sehingga karakter menjadi sulit untuk dikenali. Tujuan penelitian ini adalah untuk mengetahui apakah Bank Syariah Indonesia KCP Nganjuk melakukan analisis karakter secara mendalam. Penelitian lapangan ini menggunakan pendekatan kualitatif, dengan teknik pengumpulan data wawancara dan dokumentasi. Teknik pengolahan data dilakukan dengan reduksi data, penyajian data, dan kemudian menarik kesimpulan. Hasil penelitian menunjukkan ketidaksesuaian dalam beberapa poin pada penilaian dengan menggunakan analisis karakter, karena di  Bank Syariah Indonesia KCP Nganjuk menerapkan 5C secara lengkap, walaupun menurut mereka karakter adalah hal penting. Namun karakter bisa berubah seiring dengan kondisi keuangan, kondisi ekonomi seperti karena adanya covid-19, karakter nasabah yang tidak jujur, kondisi usaha, atau pekerjaan yang dimanipulasi baik stok barang dan supllier, pembelian barang tidak sesuai dengan yang diajukan, sehingga nasabah ingkar janji dan tidak memenuhi tanggung jawabnya untuk mengangsur pembiayaannya kepada pihak bank.


2021 ◽  
Vol 3 (2) ◽  
pp. 94
Author(s):  
Refika Mastanora ◽  
Melda Deswita

This paper discusses internal and external factors in increasing employee work motivation at the five people sub-district office during the Covid-19 pandemic. The type of research that researchers use is a type of research that is descriptive field research with a qualitative approach. The data collection technique used in this research is to use observation, interview and documentation techniques. The data analysis technique that the author uses in this study is in the form of data reduction, data presentation and conclusions or verification. The results of the research that the authors get are that the Communication Strategy in increasing Employee Work Motivation at the Lima Kaum Sub-District Office in the Covid-19 Pandemic Period is by monitoring and evaluating, holding meetings with employees at least once a month, establishing good relationships with employees, and completing needs. employees at work.


2019 ◽  
Vol 6 (1) ◽  
pp. 35-55
Author(s):  
Abdur Rakib

This research basically is to find the position of ‘urf as one of the theories that can provide legal changes in an authoritative-inclusive way to fiqh in the word khalwat in the definitive aspects of syar'iyyah in relation to culture of riding with fiancees in the Madura area. As an external consideration in cultural studies, ‘urf is one of the continuous theories with the discussion of adat to determine law in an authoritative-inclusive manner. In this study using a type of field research (field research) because it involves empirical data that views law as a set of behaviors, actions, and reality. In addition, also library research (library research) to obtain data about a norm while reviewing theories with a qualitative approach because it cannot be obtained by mathematical or numerical statistical procedures, so that it can contain about people's lives (culture), history, ethics, social movements , or family system. From the process of analyzing the meaning of khalwat using the theory of ma'na al-haml with the consideration of 'urf in which there are several elements of maslahat, this study concludes that' urf can change the position of Islamic law by combining consideration of several conditions through the process of changing meaning used in redefining the word khalwat. So as to enable culture to be engaged during the engagement period as happened in the Sumenep and Madura communities in general as a consideration of ‘valid urf. Keywords: Relationship in Engagement, ‘Urf, and Madura.


2021 ◽  
Vol 2 (01) ◽  
pp. 12-16
Author(s):  
Yesi Nurmaliza ◽  
Edy Susanto ◽  
Diah Selviani

ABSTRACT Vocational High School (SMK) S 8 Grakarsa Bengkulu which is located on Jl. Adam Malik Km 8, Kel. Sido Mulyo, Kec. Gading Cempaka, Bengkulu City. This research is a qualitative descriptive research. The data collection technique in this study was by means of Observation, Interview, Questionnaire and Documentation, when teaching students the teacher went through (3) stages, namely the initial, core and closing stages of using learning media, knowing the concept of learning media, who used learning media, the stages of making learning media and internal and external factors that were found when video-based learning media were applied, in the implementation of learning in the room, students were seen to be active and enthusiastic in participating in learning because the teacher used video-based media by sending videos via android with an attractive display and media on when learning takes place, so that learning is interesting and good.


2018 ◽  
Vol 5 (1) ◽  
pp. 41
Author(s):  
Ahmad Thoharul Anwar

<p><em><span lang="IN">The purpose of this study is to know the management of productive zakat for the economic empowerment of society in LAZISNU Kudus. This study uses a qualitative approach and is described descriptively. Data collection techniques used interviews, observation, and documentation. While data analysis using data reduction, data display and verification. From the results of the study concluded that the management of productive zakat funds conducted by LAZISNU Kudus using the stages in management science. The steps in the empowerment of productive zakat by LAZISNU Kudus include data collection, supervision and supervision. There are two obstacles facing LAZISNU, internal and external factors. Among the internal factors are limited funds provided, lack of coordination, lack of adequate human resources and administrative management that is still traditional. While external factors include is still a lot of muzakki who pay zakat outside amil institutions and mustahik less know management business.</span></em></p>


2021 ◽  
Vol 16 (1) ◽  
pp. 152-182
Author(s):  
Ahmad Arif Masdar Hilmy ◽  
Ria Cahyaning Utami

The determination of the dowry in the marriage of the people of Karangsono Village was originally based on the rules of Islamic law, namely by using the principles of convenience, lightness, and simplicity. However, people's lives that are never stagnant make them always interact with each other, thus forming a new concept of dowry determination in the community. The purpose of this article is to determine the description and implementation of the concept of the dowry class in the community marriage of Karangsono Village and to review it using the perspective of the social construction theory. This field research used a qualitative descriptive method and data analysis used Berger and Luckmann's social construction theory. Data were collected through document study, interviews, and observations. This research resulted in conclusions: (1) The concept of the dowry class in the community marriage of Karangsono Village is based on the classification of the prospective bride, which is seen from the status of a virgin or widow, her beauty, and age. The higher the quality of the woman, the higher the dowry she can get, (2) The determination of the dowry in Karangsono Village has undergone a social construction based on three simultaneous processes. The externalization process is illustrated through adaptation to religious texts and life being experienced. The process of objectivation here gives birth to new meanings, which are manifested in the actions of the wider community so that they become objective facts. The process of internalization is illustrated by the affirmation in the consciousness experienced subjectively.(Penentuan mahar dalam perkawinan masyarakat Desa Karangsono mulanya didasarkan pada aturan hukum Islam, yakni dengan menggunakan asas kemudahan, keringanan dan kesederhanaan. Namun kehidupan masyarakat yang tidak pernah stagnan, membuat mereka selalu berinteraksi satu sama lain, Tujuan artikel ini ialah untuk mengetahui deskripsi dan implementasi konsep kelas mahar dalam perkawinan masyarakat Desa Karangsono, serta ditinjau menggunakan perspektif teori konstruksi sosial. Penelitian lapangan ini menggunakan metode deskriptif kualitatif dan analisis datanya menggunakan teori konstruksi sosial Berger dan Luckmann. Pengambilan data dilakukan melalui studi dokumen, wawancara dan observasi. Penelitian ini menghasilkan beberapa kesimpulan: (1) Konsep kelas mahar dalam perkawinan masyarakat Desa Karangsono ialah berdasarkan klasifikasi yang dimiliki calon pengantin perempuan, yakni dilihat dari status perawan atau janda, paras kecantikan dan usianya. Semakin tinggi kualitas yang dimiliki perempuan, maka semakin tinggi pula mahar yang bisa didapatkannya, (2) Penentuan mahar di Desa Karangsono telah mengalami konstruksi sosial berdasarkan tiga proses simultan. Proses eksternalisasi tergambar melalui adaptasi dengan teks-teks keagamaan dan kehidupan yang sedang dialami. Proses objektivasi disini melahirkan pemaknaan baru, yang termanifestasikan ke dalam tindakan-tindakan masyarakat luas sehingga menjadi kenyataan objektif dan biasa dilakukan dalam kehidupan sehari-hari. Proses internalisasi tergambar oleh penegasan dalam kesadaran yang dialami secara subjektif dan pentransferan akan pengetahuan tentang makna-makna objektif)


2018 ◽  
Vol 5 (2) ◽  
pp. 23-32
Author(s):  
Supandi Supandi

The subject of the study in this study are: 1) The form of the problems caused in providing maple PAI reinforcement conducted by the teacher, 2) How to overcome the problems faced by the teacher in providing PAI map reinforcement. This study uses a qualitative approach, with a type of descriptive data analysis. This data collection is obtained through interviews, observation and documentation analysis. The informants from this study were principals, teachers and some students in the research location. The technique used to check data credibility is the extension of the presence of researchers and in-depth observation and triagulation. The results show that the problems caused in providing reinforcement are a) learning methods that are considered less varied by the teachers, b) learning media that are considered to be less qualified, c) internal and external factors of students which are the problems of PBM's success, d) Uneven human and natural resource problems. Whereas ways to overcome these problems include: a) including MGMP program teachers, b) Making maximum use of learning media, c) Conducting good communication networks for all parties, d) Pairing between the smart and the less intelligent.


2019 ◽  
Vol 3 (2) ◽  
pp. 365
Author(s):  
Rika Fitriani ◽  
Abdul Aziz

When obligations do not work in a balanced manner in fostering a household, disputes and arguments often occurs which will result in the termination of a marriage.  Divorce can occur by various factors in a marriage.  One of the factors that divorce causesare one among apostate husbands or wives, which if the marriage continues to be maintained will cause loss. As a result of the divorce because the husband has lapsed into marriage, the marriage is immediately finished, and if the marriage is fulfilled, a wife will not get mut'ah and a living from her husband, but it is different from being practiced in a religious court whose husband is burdened with giving mut '  ah and livelihood iddah.  So with the existence of these problems the author will review the judges' considerations in considering their decisions and reviewing Islamic law. This study aims to find out about the definition of Mut'ah, the livelihood of iddah and apostasy, to find out the legal basis used by the judge in deciding cases and what according to the views viewed from Islamic law.To answer these three problems, the researcher used a qualitative approach with field research that collected data directly from the source.  In qualitative research, the researcher is faced directly with the respondent, namely a direct interview by the Judge in the Nganjuk Religious Court.Based on the research, even though the husband apostatized and married the husband was still obliged to give mut'ah and livelihood because even though the apostate's husband would not obstruct the husband's obligation to his wife, and the divorce divorce case was equated with ordinary divorce divorce.  Judges use the basis of article 149, 117, with reasons for divorce article 116 letter (f) and (h) KHI (Compilation of Islamic Law) and the results of RAKERNAS MARI in 2005. and viewed from a review of Islamic law judges use volcanic jurisprudence II if  the termination of marriage because of apostasy does not require a court decision or judge's decision and is immediately canceled and does not see the consequences of the apostasy. 


2020 ◽  
Vol 1 (3) ◽  
pp. 272-293
Author(s):  
Syandri ◽  
Iskandar ◽  
Sulaiman Kadir

This study aimed to identify the process and purpose of the grave pilgrimage tradition after marriage in Manisa village, Baranti subdisctrict, Sidrap district, South Sulawesi, and also to examine the law of the custom in the view of Islamic law. This research employed a qualitative approach with the field study method (Field Research) and library research. The study shows that: 1. People ini Manisa village after celebrating their wedding they make grave pilgrimage in forms of such as: Determining a certain time according to the agreement of the bride and groom, preparing the necessary preparations such as water, kettles, and pandanus leaves, making ablution before going to the graveyard, praying before entering the cemetery, watering the grave with water mixed with pandanus leaves, holding the gravestone, praying for the late by reciting certain chapters finalized by surah Al-Fatihah. 2. Grave pilgrimage is one of the prescribed acts of worship but it should be in accordance with the guidance of the Prophet. As for what is found in the people of Manisa Urban Village, there are still a number of differences between what they do and what had been exemplified by the Messenger of Allah such as the determination of a special time for the grave pilgrimage, watering the grave, and seeking for blessing from the graves visited.


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