scholarly journals Implementasi Aplikasi al-Kafâlah di Lembaga Keuangan Syari’ah di Indonesia

2020 ◽  
Vol 4 (2) ◽  
pp. 74-84
Author(s):  
Moh. Asra
Keyword(s):  
Financial Institutions ◽  
Primary Source ◽  
Health Card ◽  
Qualitative Descriptive ◽  
Descriptive Approach

Generally, al-kafalah is an act of combining the dependents of the insurer and the main insurer related to claims about life, debt, goods, or work. Al-kafalah is implemented by the existence of the insurer, the main insurer, the insured, and the dependents. This research primary source is literature, using a qualitative descriptive approach. Shaykh Mustofa Al-Khin and Shaykh Mustofa Al-Bugha quote the wisdom of al-kafalah through the maqashid syariah. He both explained that the al-kafalah procedure made it easier for someone to meet their needs through the principle of helping. Al-kafalah can protect the possibilities that occur during the transaction or as long as the debt has not been paid. Al-kafalah has been widely applied in financial institutions such as banks, as well as e-commerce based on the al-kafalah bi al-ujrah system which has previously been permitted by contemporary scholars. Meanwhile, al-kafalah which is based on tabarru 'in Indonesia is only found in the Indonesian Health Card (KIS) mechanism.

Analisis Manajemen Pembiayaan Murobahah BMT

WADIAH ◽  
2019 ◽  
Vol 3 (1) ◽  
Author(s):  
Ryski Pebriana, Rofik Efendi
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Field Research ◽  
Animal Husbandry ◽  
Muslim Community ◽  
Savings And Loans ◽  
Management Function ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Descriptive Approach

The development of Islamic banking and Islamic financial institutions in Indonesia lately increasing. One reason is the strong belief in the Muslim community that banking and conventional financial institutions contain usury which is prohibited by Islam. The presence of Agritama Srengat Blitar BMT as Syari'ah savings and loans is intended to be a more innovative alternative in financial services, the financing process is also not complicated. The absence of an element of usury to Murabahah financing, and the ease of the process and conditions for financing, does not make more and more bad loans. The approach used in this research is a qualitative descriptive approach, while the type of research is field research, and the method of collecting data is observation, interview and documentation, which is using three steps, data reduction, file presentation and drawing conclusions.The results of this study indicate that: 1). Financing procedures at BMT Agritama Srengat Blitar use 5C analysis (character, capacity, capital, collateral, condition) and take into account a maximum radius of 10 km, but this does not apply to existing customers and customers who get recommendations from partners. 2). The implementation of Murabahah financing management has not been in accordance with the murabaha management function which includes planning, organizing, implementing, and controlling. Where the planning of murabahah financing is devoted to agriculture and animal husbandry, but in practice it is not appropriate, then in the implementation of murabahah financing using a wakalah contract it is signed together with murabahah. And the supervision conducted by BMT Agritama is not routinely visited to the place of business. Keywords : financing manajement, murabahah

scholarly journals A Peer-to-Peer Lending Methods in Management of Zakat Funds through Sharia Financial Institutions

2019 ◽  
pp. 25-40
Author(s):  
Darlin Rizki
Keyword(s):  
Financial Institutions ◽  
Peer To Peer ◽  
Living Standards ◽  
Distribution Model ◽  
Indonesian Population ◽  
Average Person ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Peer Lending

The gap of living standards in society should be minimized through the potential of zakat in Indonesia. Indonesian population has recorded by the Central Bureau of Statistics, in March 2018 amounted to 265 million and was expected to reach 271 million by 2020, then the poor society in Indonesia  were 25.95 million people. Correspondingly, the dominance of Muslims in Indonesia makes zakat as a potential welfare instrument.The study was conducted by PIRAC noted that, the potential of Zakat funds amounting to 20 billion in Indonesia. Where the average person per year has the potential to spend Rp. 557.267. However, this potential has not been able to be achieved by BAZNAS. Many destitute and poor groups from year to year remain status as mustahik. Among the obstacles faced was located in the management and distribution of zakat funds. This study aims to examine the management and distribution model of ZAKAT through Islamic Financial Institutions (LKS) using Peer to Peer Lending (P2PL) methods. With a qualitative descriptive approach, zakat funds could be managed by LKS institutions with this method, because P2PL schemes are inclusive in managing zakat funds. In that management, the funds awere divided into two, namely consumptive and productive funds. By LAZ through LKS the productive funds were managed with management and products contained in the LKS. One of the supporting instruments is halal investment. By using methods P2PL investment, zakat funds can grow each month with little downside risk. In line with the development of the Financial Tecnogy (FinTech), LAZ with LKS can work together in the utilization of information technology to manage and distribute zakat funds to boost the economy and reduce mustahik in Indonesia. Keywords: P2PL, Zakat, Platform, Investment, LKS

scholarly journals PENERAPAN FATWA DEWAN SYARIAH NASIONAL TENTANG HUKUM JAMINAN DALAM AKAD PEMBIAYAAN MUDHARABAH

2018 ◽  
Vol 1 (1) ◽  
pp. 93-109
Author(s):  
Rd Nurhayati
Keyword(s):  
High Risk ◽  
Moral Hazard ◽  
Financial Institutions ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
The Times ◽  
Very High

In classical fiqh study, akad Mudharabah is a contract that is based on the elementof Trust (trust) so that in the application of financing mudharabah not necessary collateralor guarantees. Along with the development of the Times and the human character inrunning the business, there is a thought of thinking so that it is necessary to ijtihad new toa problem one of them Akad Mudharabah. The purpose of this research is to determine theprovisions of the guarantee in the distribution of Mudharabah financing in non-bankfinancial institutions, the guarantee in the fatwa DSN on Mudharabah financing, and theapplication of the fatwa DSN about the assurance in the Mudharabah financing contractThis study uses a qualitative descriptive approach, conducted by collecting data and thendescribing the observation of interviews and documentation. From the results of thisresearch can be concluded that the application of the fatwa of the National Sharia Board(DSN) about the guarantee in this Mudharabah financing is based on the attitude of societytoday that often do social irregularities (moral hazard), especially in Mudharabah financingthat does not have a very high risk. The function of the guarantee is not intended formendzolimi intention but as a control of the possibility of deviations by mudharib, therefore,the DSN issued a fatwa that must be obeyed by Sharia financial institutions one of the BMT  Al-Amanah Ciawi Tasikmalaya based on the fatwa DSN No: 07/DSN-MUI/IV/2000 onMudharbah financing

scholarly journals Rethinking Islamic Economic and Finance Practices in Indonesia: Some Critical Reviews

2020 ◽  
Vol 4 (2) ◽  
pp. 81
Author(s):  
Azwar Iskandar ◽  
Bayu Taufiq Possumah ◽  
Arfan Arifuddin
Keyword(s):  
Financial Institutions ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Critical Studies ◽  
Library Research ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Islamic Economic ◽  
Commercial Finance

This research aimed to review and highlight some issues related to Islamic economic and finance practices in Indonesia. This research used qualitative-descriptive approach with content analysis, library research and critical studies method. This research found some critical points on islamic economic and finance practices in Indonesia, such as (i) islamic  banking in Indonesia shows inconsistencies and unwillingly implementation; (ii) the Islamic economics practices not going too far from around financial sector (iii) the practice of islamic finance in indonesia is mostly focused on the Islamic Commercial Finance (ICF) sector and less concerned with Islamic Social Finance (ISF); (iv) shariah financial institutions is more precisely than what is called ”shariah bank” (v) epistemological problems in the islamic economics curriculum need to be answered and resolved to avoid a contraproductive output from its fundamental purposes.  It is necessary to conduct re-orientation of sharia banking in order to strengthen the vision of sharia banking. All involving parties should be able to corporate, among them are academics, practitioners, governments, and, moreover, the role of scholars and organizations. It is reorientation and synergy of these parties which shall solve the problem of half-hearted implementation of banking and answer all criticism directed to the sharia banking all this time

scholarly journals Model of Working Capital Financing of Mekaar Pruducts in Sme‘s Empowerment Framework at PT. Permodalan Nasional Madani in Surabaya

2019 ◽  
Vol 1 (1) ◽  
pp. 264-275
Author(s):  
Nurul Fatmawati
Keyword(s):  
Financial Institutions ◽  
Primary Data ◽  
Average Score ◽  
Working Capital ◽  
Joint System ◽  
External Data ◽  
Capital Financing ◽  
Qualitative Descriptive ◽  
Descriptive Approach

The purpose of this study was to determine the role of microfinance / non-bank institutions in the pre-prosperous female SME empowerment program at PT. Permodalan Nasional Madani in Surabaya. This research method uses a qualitative descriptive approach, the data used in this study are primary data with internal and external data sources. This research was conducted by conducting surveys, interviews, documentation, and questionnaires on 12 respondents from a total of 30 respondents who were still active as customers at PNM Mekaar Surabaya. The results and findings of this study reveal that the joint system of working capital financing is very effective for SMEs, especially for financial institutions whose targets are pre-prosperous women. This is reflected in the average score of perceptions for 15 statements of 75.8%, while each statement has a score of 62.3%, therefore the reconstruction of the financing model is said to be good.

scholarly journals IMPLEMENTASI NILAI-NILAI ISLAM DI PT SJP

2020 ◽  
Vol 7 (11) ◽  
pp. 2236
Author(s):  
Najmah Su'ad ◽  
Suherman Rosyidi
Keyword(s):  
Financial Institutions ◽  
Research Method ◽  
Construction Sector ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Female Employees ◽  
Descriptive Approach ◽  
Islamic Values ◽  
Conventional Bank

ABSTRAKPenelitian ini bertujuan untuk memaparkan nilai-nilai Islam yang diterapkan di SJP, tantangan apa saja yang dihadapi dan menguak alasan masih digunakannya lembaga keuangan konvensional dalam operasinya. Dengan pendekatan kualitatif deskriptif, metode yang digunakan adalah studi kasus. Wawancara dengan pimpinan perusahaan dilakukan untuk memperoleh data utama dan hasilnya dibandingkan dengan hasil observasi, dokumentasi dan wawancara dengan karyawan. Hasil penelitian menunjukkan perusahaan yang bergerak di bidang konstruksi ini menerapkan nilai-nilai Islam dengan memperbolehkan karyawati membawa anak ke kantor, pembagian zakat, serta program kurban dan umrah. Selain itu, perusahaan membangun Rumah Quran dan menjadi donatur tetap di pesantren dan masjid sekitar perusahaan. Usaha untuk mengislamkan perusahaan tidak selalu mulus. Beberapa situasi memaksa perusahaan menggunakan produk bank konvensional. Dalam situasi lain, kekeliruan pandangan pimpinan perusahaan terhadap lembaga keuangan syariah membuat lembaga keuangan konvensional masih digunakan.Kata Kunci: Penerapan nilai-nilai Islam di Perusahaan, Lembaga Keuangan Syariah, Manajemen Islami, Indonesia ABSTRACTThis research aims to describe Islamic values implemented by PT SJP, the challenges, and the reasons why they still use conventional financial institutions in their performances. Research method used was case study with qualitative-descriptive approach. The interview result with the head of the company was compared to the results of observation, documentation, and interview with the employees. The results of the research indicated that this company which engaged in the construction sector has implemented Islamic values by allowing female employees bring their children to the office, distributing zakat, as well as holding qurban and umrah programmes. Furthermore, the company built Rumah Quran and becomes a permanent donor to several Islamic boarding schools and mosques around them. Numerous efforts that have been done to make the company have Islamic values do not always go well. Some situations urge the company to use conventional bank products. In another situation, misperception of the head of the company on Islamic financial institutions makes conventional financial institutions still used.Keywords:  Islamic values in company, Islamic financial institutions, Islamic Management, Indonesia

scholarly journals KONSEP AL-MUWALAH DAN ANALISIS CORAK TAFSIR AL-MUNIR

2022 ◽  
pp. 151-166
Author(s):  
Ahmad Ismatullah ◽  
Zulkifli Zulkifli ◽  
Triansyah Fisa
Keyword(s):  
Primary Source ◽  
Political Movements ◽  
Literary Interpretation ◽  
Study Approach ◽  
Qualitative Descriptive ◽  
Descriptive Approach

This article discusses the concept of al-muwalah and the style of interpretation of al-Munir by Wahbah az-Zuhayli. The method used is a qualitative descriptive approach with an interdisciplinary interpretation study approach. The primary source for the discussion of this article is al-Munir's interpretation which was obtained from the library. The finding of this article is that az-Zuhayli's interpretation of the concept of al-muwalah shows a comprehensive style of interpretation with multi-disciplinary approaches. The interpretation of the verses on the concept of al-Muwalah by az-Zuhayli reflects that his interpretation is not only traditional, but also contains dynamic, tolerant, moderate, and humanist principles. The article also concludes that al-Munir's interpretation is included in the category of literary interpretation (al-adabi waal-ijtima'i), not the interpretation of socio-political movements (Adab-ijtima'i-siyasi-haraki).

Permasalahan Manajemen Usaha Mikro Studi Kasus Pada Pabrik Kerupuk UD. Manunggal Karsa Di Kel. Lebak Bulus Kec. Cilandak Kodya Jakarta Selatan

Liquidity ◽  
2018 ◽  
Vol 1 (1) ◽  
pp. 81-90 ◽  
Author(s):  
Siti Maryama
Keyword(s):  
Organizational Structure ◽  
Financial Institutions ◽  
Raw Materials ◽  
Excess Demand ◽  
Motor Vehicles ◽  
Family Management ◽  
Drying Process ◽  
Earned Income ◽  
Qualitative Descriptive ◽  
Bad Weather

The purpose of the study are to (1) review the main problems faced by the factory of Kepuruk Manunggal Karsa (MK), and (2) assessing the entrepreneur attempts to be able to solve the problems faced. The research was carried out using qualitative descriptive design. The results showed that (1) the lack of supply of raw materials as a result of lack of capital. Sequel is due, the difficulty of the plant to meet consumer demand (excess demand). (2), the system of capital used is circulating capital (capital turnover). Earned income used up to finance the operation of the plant. (3) Innovation has been done in the form of deal with bad weather (rain) as an effort of crackers drying process is by using the oven. (4) There has been no cooperation with financial institutions. (5) There is no organizational structure as a modern factory for traditionally managed by family management. (6) Marketing using modes of transportation carts and motor vehicles.

ANALISIS WACANA PADA BERITA NONTON FILM SAKINAH, MAHASISWA UIN YOGYAKARTA BERI PUJIAN (ANALISIS MIKROSTRUKTURAL)

2019 ◽  
Vol 7 (4) ◽  
pp. 57
Author(s):  
Resdianto Permata Raharjo ◽  
Maranita Anjarsari
Keyword(s):  
Data Analysis ◽  
Online News ◽  
Analysis Method ◽  
Literature Study ◽  
Lexical Cohesion ◽  
News Discourse ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Method Analysis ◽  
Descriptive Method

This study aims to describe 1) the form of cohesion contained in the news Watching Sakinah Movies, UIN Yogyakarta Give Praise Students and 2) describing the forms of coherence contained in the news Watching Sakinah Film, Students of UIN Yogyakarta Give Praise. The subjects used in this study were news of watching Sakinah film, UIN Yogyakarta students giving praise, and the objects used were sentences containing grammatical cohesion, a form of lexical cohesion. The approach used in this study is a qualitative descriptive approach. The data in this study are sentences in the news of Watching Sakinah Movies, This student is a method of literature study. While the method of data analysis in this study is descriptive method analysis method, the method used to analyze and describe cohesion markers and analyze markers of coherence. Test The results of the study show that in the news of watching Sakinah films, UIN Yogyakarta Beri Pujian students have varied markers of cohesion and coherence in the Tebuireng Online news discourse. Cohesion markers were found to reference (3), substitution (1), ellipsis (2), conjunction (3), collocation (1), and markers of coherence found cause-effect relationships (2), relationship coherence suggestions — goals (1), coherence temporal relations (1), and coherence of causal relationships (1).

ANALISIS KOHESI DAN KOHERENSI WACANA DALAM BERITA ONLINE BERBAGI PAKET SEMBAKO UNTUK KAUM DHUAFA DI JAWA POS RADAR BOJONEGORO EDISI 11 MEI 2019

2019 ◽  
Vol 1 (01) ◽  
pp. 58-67
Author(s):  
Suci Armala
Keyword(s):  
Discourse Analysis ◽  
Data Collection ◽  
Reasons For Action ◽  
Lexical Cohesion ◽  
Analysis Techniques ◽  
Discourse Coherence ◽  
The Poor ◽  
Food Packages ◽  
Qualitative Descriptive ◽  
Descriptive Approach

Cohesion and coherence in discourse play a role in forming a wholeness in the discourse itself, both discourse and writing. One of the written discourses is the news in the Jawa Pos newspaper, which is the distribution of basic food packages breaking the fast of Ramadhan for the poor in the Tuban area held by PT. PJB UBJOM PLTU Tanjung Awar-awar, in this news is thought to contain elements of cohesion and coherence. This study uses a qualitative descriptive approach and discourse analysis techniques. The data obtained contains cohesion and coherence. In this data collection, namely by listening to the news and recording it. The results of this study include grammatical cohesion, lexical cohesion and its coherence. Grammatical cohesion includes reference cohesion, recovery cohesion, release cohesion and liaison cohesion. In addition to cohesion there is also coherence that is like the coherence of the means of purpose, the coherence of reasons for action, the coherence of the meaning of reason and so forth. With the discovery of the use of cohesion and discourse coherence in Jawa Pos news.

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