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THE ROLE OF MUDHARABAH CONTRACTS TOWARDS MSME CAPITALIZATION IN SAMARINDA
Get PDFPenelitian ini bertujuan untuk menganalisis peran akad mudharabah dalam mendukung permodalan bagi Usaha Mikro, Kecil, dan Menengah (UMKM) di Samarinda, dengan studi kasus pada Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPP) Quantum Mandiri Madani. Akad mudharabah merupakan salah satu instrumen keuangan syariah yang berpotensi membantu permodalan UMKM melalui skema bagi hasil, dimana pemilik modal menyetorkan dana kepada pengelola usaha, dan keuntungan dibagi berdasarkan kesepakatan. Penelitian ini menggunakan metode deskriptif kualitatif dengan data primer yang dikumpulkan melalui wawancara mendalam dan observasi terhadap tiga informan, yaitu dua pelaku usaha UMKM dan satu anggota KSPP. Hasil penelitian menunjukkan bahwa akad mudharabah memberikan dampak positif bagi pengembangan UMKM, terutama dalam peningkatan kapasitas produksi dan perluasan pasar. Namun demikian, tantangan seperti fluktuasi pasar dan pengelolaan usaha masih menjadi kendala bagi sebagian pelaku usaha dalam memenuhi kewajiban bagi hasil. Kebaruan penelitian ini terletak pada analisis mendalam tentang penerapan akad mudharabah di Samarinda yang masih jarang dieksplorasi, serta dampaknya terhadap permodalan UMKM. Penelitian ini memberikan implikasi penting bagi pengembangan skema pembiayaan syariah yang lebih efisien dan berkelanjutan, khususnya dalam mendukung usaha kecil di daerah
Cash Waqf According to the Views of Four Madzhabs (Study of the Book Al-Fiqh Al-Islami Wa Adillatuhu)
Get PDFAs science and technology develop, so does a nation's economy, and so does the way in which Shari'ah is implemented for Muslims, including in the case of waqf. Previously, waqf was limited to the use of permanent objects such as land, buildings and so on, so now waqf is being introduced in the form of money. This situation is certainly a new breakthrough, which often gives rise to resistance among fiqh scholars. The aim of this research is to find out about the law of cash waqf from the perspective of four schools of thought according to the book of Islamic jurisprudence wa adillatuhu with the hope that it will provide more complete information about the law of cash waqf and bring peace to Muslims. The research method used is qualitative. This research approach uses descriptive analysis of primary data, namely the book of Islamic jurisprudence wa adillatuhu written by Syeh Wahbah Az-Zuhaili. The findings of this research conclude that waqf in the form of money is legal because waqf in the form of dinars and dirhams is permissible. Cash waqf is permissible because there are verses and hadiths that strengthen cash waqf. Moreover, with the increasing pace of civilisation, cash waqf is very easy to distribute, such as through bank transfers in remote areas. Most ulama in the millennial era agree that cash waqf is permissible and legal, provided the procedures are understood
Implementation of Sharia Principles in Managing Halal Certified MSME Business
Get PDFThe rapid growth of the halal industry in Indonesia has heightened the importance of Sharia compliance in business management, particularly among micro, small, and medium enterprises (MSMEs) in Malang. This study aims to explore the extent of Sharia principles implementation in halal-certified MSMEs and the challenges they face in aligning their operations with Islamic guidelines. Utilizing a qualitative approach, in-depth interviews and observations were conducted with MSME owners to gain insights into their experiences. The results indicate that while many MSMEs actively implement Sharia principles in areas such as sourcing halal materials and ethical marketing, they encounter significant challenges, including limited access to certified suppliers and a lack of understanding of halal regulations. Furthermore, the study reveals that adherence to Sharia compliance enhances customer loyalty and trust, thereby improving business performance. This research contributes to bridging the gap between theory and practice in Sharia-compliant business management and provides practical recommendations for MSMEs to optimize their operations within the halal framework
STRATEGI PEMASARAN PRODUK TABUNGAN UMUM SYARI’AH DENGAN AKAD MUDHARABAH: BMT-UGT Nusantara
Get PDFThe marketing strategy of sharia general savings products with a mudharabah contract at BMT-UGT Nusantara Capem Bantur uses the Mudharabah Agreement, namely the BMT plays the role of Mudharib and the members play the role of Shahibul Maal. The profits from the business are distributed according to the initial agreement between the two parties, which is 70%: 30%.
This study uses qualitative methods obtained from primary and secondary data, with data collection through observation, documentation and interviews. Then the analysis technique used is to use a descriptive method, namely by providing a description of the subject being researched.
The results of this study conclude that the first BMT-UGT Nusantara Capem Bantur has implemented 2 (two) types of marketing strategies, namely internal and external strategies. As for the internal: The internal strategy carried out is to determine employees who are originally domiciled in Bantur village even if they move from another village as long as they have settled in Bantur village, while externally: The external strategy carried out is to collaborate with partners, school institutions, community organizations (Muslimat), and sugarcane farmer groups. The two obstacles experienced when carrying out marketing activities carried out by BMT-UGT Nusantara Capem Bantur are the lack of public trust in financial institutions that have a background so dark that they experience trauma due to fraudulent investments, lack of public awareness of halal transactions, and people are used to using deposit services in conventional banks and the difficulty of finding genuine employee
THE LIFE SKILLS CURRICULUM AT MA TECHNONATURA IN TERMS OF HARD SKILLS IS BASED ON STEM EDUCATION WHICH REFERS TO 21ST CENTURY SKILLS
Get PDFMadrasah Technonatura is one of the Islamic-based educational institutions that seeks to adopt the historical progress of medieval Islamic civilization, which is the foundation of research at Madrasah Technonatura. The curriculum used in Madrasah TechnoNatura is based on KTSP 2006 content standards coupled with self-developed content standards taken from 21st century skills, which include 4C and 3R. The 4Cs are critical thinking, creativity, collaboration, and communication, while the 3Rs are reading, writing, and arithmetic, with the addition of 1C and 1R, namely Concordance Work and Religion. This research uses descriptive research methods, with researchers carrying out interview activities and using general guidelines about the information needed from key informants who provide informative data according to research needs. The life skills curriculum at MA Technonatura in terms of hard skills is based on STEM education, which refers to 21st century skills with a learning process based on First Global Challenge (FGC), Internet of Things (IoT), IOS Game Development, Smart Ecosystem, Arduino Weather Balloon, and Tissue Culture (Orchid), which is able to foster and develop students' life skills. In the category of soft skills, MA TechnoNatura builds and familiarizes the school culture with the implementation of dhuha prayer, tadarrus, learning Islamic religious lessons in the morning, and praying together
Eksplorasi Kultural Pawai Ogoh-Ogoh di Kota Malang: Implikasi untuk Integrasi Budaya dalam Pembelajaran Bahasa Indonesia
Get PDFThis study aims to explore the cultural values embedded in the Ogoh-Ogoh parade tradition in Malang City and examine its implications for cultural integration in Indonesian language learning. Originally part of the Balinese Nyepi celebration, the Ogoh-Ogoh tradition has evolved and been adopted in various regions, including Malang, with its own unique local adaptations. Using a descriptive qualitative approach, data were collected through observation, interviews, and documentation involving cultural practitioners, educators, and local communities. The findings reveal that the Ogoh-Ogoh parade encompasses values of aesthetics, tolerance, creativity, and communal spirit, which can be meaningfully integrated into Indonesian language teaching, particularly in reinforcing cultural awareness and local wisdom. This integration enriches language learning by extending beyond linguistic competence to include character development and intercultural understanding. Therefore, local traditions such as Ogoh-Ogoh can serve as contextual, relevant, and inclusive learning resources in national education
Pemberdayaan Kampung Labanan Makarti dalam Prestasi Nasional
Get PDFLabanan Makarti Village, situated in Teluk Bayur subdistrict, Berau district, East Kalimantan, was established in 1984 under the Social Transmigration program, accommodating 333 families from Java and NTB as Labanan Unit III. In its early years, the village, under the leadership of its first Village Head, prioritized community structure development and the formation of agricultural groups. Fast forward to 2023, Labanan Makarti Village has received national recognition by securing the number 1 position among the best villages in Indonesia. This remarkable achievement reflects the collaborative efforts of village officials and the local community, under the leadership of village chief Mudawi. Mudawi emphasizes fair and responsible leadership based on Islamic principles, as stated in Surah An-Nisa 135 of the Quran. The village's progress is measured through eight important indicators: education, health, community participation, government, community organizations, community economics, security and appearance, together lead to the development and well-being of Labanan Makarti Village and its residents
Optimalisasi Pendampingan Literasi Fikih Perempuan di Desa Bambang
Get PDFLiterasi fikih perempuan merupakan komunitas pendidikan nonformal yang dibangun dan diciptakan untuk memperkuat pemahaman dan pengetahaun-pengetahuan fikih sehari-hari yang berhubungan dengan tubuh perempuan. Literasi ini dibangun secara khusus di Desa Bambang Kecamatan Wajak, Malang yang diinisiasi oleh tim dari perguruan tinggi Universitas Al-Qolam. Program-program dalam komunitas ini meliputi pemahaman mendalam berupa diskusi studi kasus tentang sistem reproduksi yang ditinjau dari fikih Madzhab Syafi’i. Tujuan umum dari pendirian komunitas ini adalah mengoptimalisasi dan merevitalisasi program-program pemberdayaan yang fokus pada perempuan yang pernah diinisiasi oleh tim pemberdayaan masyarakat sebelum-sebelumnya
Edukasi Kebencanaan Melalui Mitigasi Bagi Guru PAUD Kecamatan Pronojiwo Lumajang
Get PDFErupsi gunung berapi Semeru memiliki dampak positif seperti tanah subur dan mampu menghidupkan mata rantai perekonomian di pertambangan. Namun, di sisi lain gunung berapi juga dapat mengalami erupsi yang dapat memakan banyak korban jiwa dan melumpuhkan beberapa sektor salah satunya pendidikan. Kurangnya pengetahuan dan kesiapsiagaan menjadi permasalahan utama penyebab banyaknya korban jiwa. Maka dari itu, tujuan dari pengabdian ini adalah untuk meningkatkan pengetahuan, pemahaman, dan kesiapsiagaan generasi muda tangguh bencana dengan edukasi kebencanaan melalui mitigasi bencana khususnya guru dan anak didik usia dini. Kegiatan mitigasi bencana ini dilaksanakan di TK Muslimat NU Pronojiwo dengan menggunakan permaian ular tangga sebagai media interaktif dan partisipatif untuk peserta. Tahapan kegiatan pengabdian meliputi persiapan, sosialisasi, pelaksanaan, dan evaluasi. Edukasi kebencanaan ini berjalan dengan lancar salah satunya di tandai dengan ketertarikan serta semangat peserta terhadap materi dan pengalaman yang diberikan. Hasil dari kegiatan kebencanaan ini peserta anak usia dini mendapatkan pengetahuan untuk mewaspadai potensi penyebab dan efek dari kebiasaan yang terjadi ketika terdapat bencana alam dan mendorong mereka melakukan perilaku baik yang mendukung kepedulian terhadap lingkungan
Optimizing Waste Management to Increase Community Awareness in Arjosari Sub-village, Ampelgading-Tirtoyudo
Get PDFWaste management is one of the environmental problems often faced by marginalized communities. This activity is a research-based activity intended to increase awareness of community participation-based waste management in Arjosari Village, Tirtoyudo. The method used is PAR or participatory action research which seeks to strengthen the role and participation of the community in every line of the change movement. The waste management program in Arjosari Village is based on the inadequacy of waste management in the village. Not only that, there are many illegal waste dumps that can pollute the environment due to public awareness about the importance of protecting natural ecosystems. We have implemented programs to overcome this in several waste management projects, namely establishing a waste sorting system, producing compost and eco-enzyme products from organic waste. These projects involve the direct participation and role of the entire community