Jurnal Online Universitas Muhammadiyah Surabaya
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Maqashid Syariah Sebagai Kerangka Kerja untuk Inovasi Produk Keuangan Non Bank dalam Era Digital
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This study aims to clarify the role of Maqasid Shariah as a framework for innovation in Islamic non-bank financial products. Maqasid Shariah, which includes the objectives of preserving religion, life, intellect, progeny, and wealth, offers a comprehensive guide in the development of Shariah-based financial products. In the context of the non-bank financial industry in the digital era, the application of Maqasid Shariah principles becomes crucial to ensure that product innovations not only comply with Shariah but also provide broad social and economic benefits. The research method used is a literature study, where the authors conduct an in-depth analysis of reliable sources discussing the concept of Maqasid Shariah and the development of Shariah-based non-bank financial products in the digital era. This study is carried out by reviewing scientific journal articles, books, and other relevant sources to generate a comprehensive understanding. This research will analyze how the implementation of Maqasid Shariah can serve as a guide in designing Shariah-based non-bank financial products that are sustainable, focus on community welfare, and promote financial inclusion.
Keywords: Maqashid Syariah, Non-Bank Islamic Financial Products, Digital.
Abstrak
Penelitian ini bertujuan untuk memperjelas peran Maqasid Syariah sebagai kerangka kerja dalam inovasi produk keuangan non-bank syariah. Maqasid Syariah, yang mencakup tujuan untuk menjaga agama, jiwa, akal, keturunan, dan harta, menawarkan panduan komprehensif dalam pengembangan produk keuangan berbasis syariah. Dalam konteks industri keuangan non-bank di era digital, penerapan prinsip-prinsip Maqasid Syariah menjadi krusial untuk memastikan bahwa inovasi produk tidak hanya memenuhi kepatuhan syariah, tetapi juga memberikan manfaat sosial dan ekonomi yang luas. Metode penelitian yang digunakan adalah studi literatur, di mana penulis melakukan analisis mendalam terhadap sumber-sumber terpercaya yang membahas konsep Maqasid Syariah dan perkembangan produk keuangan non-bank syariah di era digital. Studi ini dilakukan dengan mengkaji artikel jurnal ilmiah, buku, dan sumber-sumber lainnya yang relevan untuk menghasilkan pemahaman yang komprehensif. Penelitian ini akan menganalisis bagaimana implementasi Maqasid Syariah dapat menjadi panduan dalam merancang produk keuangan non-bank syariah yang berkelanjutan, berfokus pada kesejahteraan masyarakat, dan mendorong inklusi keuangan.
Kata Kunci: Maqashid Syariah, Produk Keuangan Non-Bank, Digita
Pengaruh Memorable Tourist experience terhadap E-WOM, Travel Motivation, dan Perceived value untuk Melakukan Revisit Intention: Dusun Bambu Theme Park
Get PDFTujuan dari penelitian ini adalah untuk melihat apakah terdapat pengaruh antara Memorable Tourist experience terhadap electronic word of mouth, Travel Motivation, dan Perceived value. Serta untuk melihat apakah ada hubungan antara electronic word of mouth, Travel Motivation, dan Perceived value terhadap Revisit Intention di destinasi wisata Dusun Bambu Bandung. Metode penelitian yang digunakan adalah kuantitatif dan responden dalam penelitian ini sebanyak 250 responden. Analisis data menggunakan aplikasi SPSS dan AMOS. Hasil penelitian menunjukkan bahwa Memorable Tourist experience berpengaruh positif dan signifikan terhadap electronic word of mouth, Travel Motivation, dan Perceived value. Kemudian penelitian ini juga menunjukkan bahwa electronic word of mouth, Travel Motivation, dan Perceived value berpengaruh positif dan signifikan terhadap Revisit Intentio
Analisis Pengaruh Media Sosial dalam Meningkatkan Engagement Pelanggan pada Perusahaan Trustmedis
Get PDFThis research aims to examine the impact of social media in enhancing customer engagement at Trustmedis. Trustmedis is a leading Software-as-a-Service (SaaS) company that provides cloud-based digital solutions to support healthcare facilities in Indonesia, including pharmacies, clinics, community health centers, and hospitals, through the use of technology. Instagram is a popular marketing platform, especially for sales, advertising, branding, and services. The research employs a qualitative approach with a literature review method to investigate the influence of social media marketing on increasing customer engagement at Trustmedis. The researcher also utilizes industry reports as supplementary data. In this case, primary data collection was conducted through observation during an internship under the Merdeka Belajar Kampus Merdeka (MBKM) program. The study concludes that the effectiveness of social media has a significant impact on increasing engagement. If the application of social media improves, the engagement between the company and its customers automatically increases
Analisis Efektifitas Penerapan Digital Marketing untuk Membangun Citra Merek dari Mulyosari Group
Get PDFResearch on digital marketing is important in doing business in the era of society 5.0. In this study, research was conducted on the analysis of the effectiveness of various kinds of digital marketing that are widely applied by online shop business people who help maximize sales while providing brand image to customers. This research aims to find out which type of digital marketing is the most effective for providing brand image to customers at Mulyosari Group. The research method used is a qualitative approach with data collection conducted through interviews, surveys and observations. The results of the research and testing can show that the most effective digital component used to build a brand image at Mulyosari Group is marketing with social media video content which must maximize the creation of content in the form of videos. Some of the components that are improved are the consistent use of brand identity to the use of call to action in each video The video content created by Mulyosari Group must be able to display and create a brand image for customers and audiences in order to increase sales of each product
IMPLEMENTATION OF QABDH REQUIREMENTS IN MURABAHA FINANCING AT KOPERASI SYIRKAH BERKAH BERSAMA (KSBB) SIDOARJO
Get PDFOne of the financing procedures that are not by Sharia principles in Murabaha financing is the practice of selling goods by an Islamic Financing Institution before they are owned to financing customers. Seeing this phenomenon, Koperasi Syirkah Berkah Bersama (KSBB) took the initiative to become a Sharia financial institution capable of serving its members through Murabaha financing by really paying attention to Sharia compliance, especially from the aspect of implementing handover or qabdh in Murabaha financing. The purpose of this study is to find out how the implementation of handover or qabdh in Murabaha financing and the analysis of sharia compliance with this implementation at KSBB Sidoarjo. The research method used in this study is qualitative research with a case study approach. The data analysis technique used is descriptive-qualitative analysis. The research data comes from interviews with several informants and documents related to Murabaha financing at KSBB. The data that has been obtained is analyzed and compared with related theories. The results of this research indicate that in the process of Murabaha financing at KSBB, the management of KSBB does not represent members in purchasing the goods submitted to suppliers. KSBB also ensures that the goods are fully controlled before being sold to members who apply for financing. The entire Murabaha financing process at KSBB, especially from the qabdh aspect, does not violate sharia compliance set by the DSN MUI.One of the financing procedures that are not by Sharia principles in Murabaha financing is the practice of selling goods by an Islamic Financing Institution before they are owned to financing customers. Seeing this phenomenon, Koperasi Syirkah Berkah Bersama (KSBB) took the initiative to become a Sharia financial institution capable of serving its members through Murabaha financing by really paying attention to Sharia compliance, especially from the aspect of implementing handover or qabdh in Murabaha financing. The purpose of this study is to find out how the implementation of handover or qabdh in Murabaha financing and the analysis of sharia compliance with this implementation at KSBB Sidoarjo. The research method used in this study is qualitative research with a case study approach. The data analysis technique used is descriptive-qualitative analysis. The research data comes from interviews with several informants and documents related to Murabaha financing at KSBB. The data that has been obtained is analyzed and compared with related theories. The results of this research indicate that in the process of Murabaha financing at KSBB, the management of KSBB does not represent members in purchasing the goods submitted to suppliers. KSBB also ensures that the goods are fully controlled before being sold to members who apply for financing. The entire Murabaha financing process at KSBB, especially from the qabdh aspect, does not violate sharia compliance set by the DSN MUI
DISPUTE RESOLUTION OF MUDHARABAH CONTRACT FINANCING THROUGH BASYARNAS
Get PDFMudarabah financing disputes in Islamic banking are generally resolved using litigation or judicial channels. As stated in Law No. 30 of 1999 concerning Arbitration and Alternative Dispute Resolution, there are also other channels in dispute resolution, namely arbitration and alternative dispute resolution such as; mediation. As contained in the financing contract in Islamic banking Law No. 21 of 2008 states that dispute resolution will be resolved through BASYARNAS if in the agreement clause a dispute occurs it will be determined through a Sharia arbitrator in this case BASYARNAS this is the authority for BASYARNAS. The settlement of mudharabah disputes in Islamic banking is said to be a default, not only judged by the losses obtained by the creditor (Bank) but can also come from the beginning of the loss. If the customer's negligence causes the default, then this can be the customer's responsibility as the owner of the capital, and he bears the loss. In principle, there is no compensation for mudharabah because it is Amanah. Still, if the loss comes from the negligence of the Islamic Bank, it will be borne by the Islamic Bank as long as the failure or loss is not caused by the owner of the capital (mudharib). if there is a dispute between the two parties to the mudharabah financing contract agreement, the settlement will be resolved through arbitration (BASYARNAS). This statement authorizes BASYARNAS to resolve disputes for the parties to the dispute according to the agreed agreement.Mudarabah financing disputes in Islamic banking are generally resolved using litigation or judicial channels. As stated in Law No. 30 of 1999 concerning Arbitration and Alternative Dispute Resolution, there are also other channels in dispute resolution, namely arbitration and alternative dispute resolution such as; mediation. As contained in the financing contract in Islamic banking Law No. 21 of 2008 states that dispute resolution will be resolved through BASYARNAS if in the agreement clause a dispute occurs it will be determined through a Sharia arbitrator in this case BASYARNAS this is the authority for BASYARNAS. The settlement of mudharabah disputes in Islamic banking is said to be a default, not only judged by the losses obtained by the creditor (Bank) but can also come from the beginning of the loss. If the customer's negligence causes the default, then this can be the customer's responsibility as the owner of the capital, and he bears the loss. In principle, there is no compensation for mudharabah because it is Amanah. Still, if the loss comes from the negligence of the Islamic Bank, it will be borne by the Islamic Bank as long as the failure or loss is not caused by the owner of the capital (mudharib). if there is a dispute between the two parties to the mudharabah financing contract agreement, the settlement will be resolved through arbitration (BASYARNAS). This statement authorizes BASYARNAS to resolve disputes for the parties to the dispute according to the agreed agreement
ANALYSIS OF JUDGES' CONSIDERATIONS IN SETTLING MUSYARAKAH AGREEMENT DISPUTES
Get PDFJudges in deciding cases of sharia economic dispute resolution must consider sharia principles such as the DSN Fatwa. In fact, there are still decisions that do not consider sharia principles even though the case handled is a musyarakah contract financing dispute. This research method is normative to examine the judge's consideration in resolving musyarakah contract financing disputes. The secondary data of this research was obtained through literature study and analyzed descriptively qualitatively. The results of this study are that the legal rules used by judges are incomplete. Judges who should apply sharia principles do not use DSN Fatwas such as DSN Fatwa No. 08/DSN-MUI/ IV/2000 concerning Musyarakah Financing and DSN Fatwa No. 42/DSN-MUI/VIII/2004 concerning Ta'widh as a consideration. The nominal ta'widh charged to the defendant was also deemed inappropriate due to the absence of evidence of real losses suffered by the plaintiff. The findings of this research are expected to be a consideration, especially for judges in the Religious Courts who handle sharia economic disputes. Judges are expected to explore the legal aspects and sharia principles completely so that the resulting decisions reflect justice, certainty, and expediency while still based on sharia principles.Judges resolving Sharia economic disputes must adhere to Sharia principles, including the DSN Fatwa. However, certain decisions still fail to consider these principles, even in cases involving musyarakah contract financing disputes. This study employs a normative approach to examine judicial considerations in resolving musyarakah contract financing disputes. Secondary data were collected through literature review and analyzed descriptively and qualitatively. The findings reveal that the legal basis used by judges in Purbalingga Religious Court Decision No. xx/Pdt.G/2020/PA.Pbg is incomplete, as it neglects the DSN MUI Fatwa on musyarakah financing and does not comply with Perma Number 14 of 2016. Judges who are obligated to apply Sharia principles failed to incorporate DSN Fatwa No. 08/DSN-MUI/IV/2000 and DSN Fatwa No. 42/DSN-MUI/VIII/2004 in their considerations. Furthermore, the nominal ta'widh imposed on the defendant was deemed inappropriate due to the lack of evidence of actual losses incurred by the plaintiff. These findings highlight the need for judges in religious courts to thoroughly explore legal and Sharia principles to ensure decisions that reflect justice, legal certainty, and expediency while adhering to Sharia principles
OPTIMIZING SHARIA ECONOMICS PRINCIPLES IN STATE LAW FOR ENHANCED VILLAGE GOVERNANCE: A CASE STUDY OF ALUH-ALUH VILLAGE, BANJAR REGENCY
Get PDFThis study aims to explore how the optimization of the application of Sharia-based State Law can enhance the quality of village governance, with a focus on Aluh-Aluh Village in Banjar Regency. The application of Sharia-based State Law is expected to improve the mechanisms and processes of village governance and integrate Sharia principles into resource management and public services. The research employs a qualitative approach, with data collected through interviews with village officials, observation of activities, and document studies. The findings indicate that the application of Sharia economic principles, such as justice ('adl), transparency (shafafiyah), and social responsibility (mas'uliyah), not only enhances transparency and accountability within village governance but also strengthens community participation in decision-making and resource management. Integrating these principles offers solutions to challenges such as unequal resource distribution, low transparency, and weak accountability. The implications of this research suggest that the implementation of Sharia-based State Law can promote more responsible financial management practices, increase community involvement, and support sustainable development. The integration of Sharia economic principles into village governance provides a model for other villages with similar conditions and can enhance community engagement and public service quality. The study recommends long-term planning and adherence to Sharia principles to improve transparency, accountability, and prosperity at the village level.This study aims to explore how the optimization of the application of Sharia-based State Law can enhance the quality of village governance, with a focus on Aluh-Aluh Village in Banjar Regency. The application of Sharia-based State Law is expected to improve the mechanisms and processes of village governance and integrate Sharia principles into resource management and public services. The research employs a qualitative approach, with data collected through interviews with village officials, observation of activities, and document studies. The findings indicate that the application of Sharia economic principles, such as justice ('adl), transparency (shafafiyah), and social responsibility (mas'uliyah), not only enhances transparency and accountability within village governance but also strengthens community participation in decision-making and resource management. Integrating these principles offers solutions to challenges such as unequal resource distribution, low transparency, and weak accountability. The implications of this research suggest that the implementation of Sharia-based State Law can promote more responsible financial management practices, increase community involvement, and support sustainable development. The integration of Sharia economic principles into village governance provides a model for other villages with similar conditions and can enhance community engagement and public service quality. The study recommends long-term planning and adherence to Sharia principles to improve transparency, accountability, and prosperity at the village level
PENGARUH DUKUNGAN SOSIAL TERHADAP SADAR WISATA PADA MASYARAKAT YANG TINGGAL DI SEKITAR TEMPAT WISATA KABUPATEN BANGKALAN
Get PDFKabupaten Bangkalan memiliki berbagai macam potensi wisata yang menarik, tetapi masih ditemui berbagai permasalahan pariwisata yaitu salah satunya sadar wisata yang belum optimal. Tujuan penelitian untuk mengetahui pengaruh dukungan sosial terhadap sadar wisata pada masyarakat yang tinggal di sekitar tempat wisata Kabupaten Bangkalan. Pendekatan penelitian menggunakan kuantitatif. Subjek penelitian ini melibatkan masyarakat yang tinggal di sekitar wisata Aer Mata Ebu dan Bukit Geger. Penentuan jumlah subjek menggunakan rumus Isaac dan Michael (270 orang subjek). Teknik pengambilan sampel menggunakan purposive sampling. Pengumpulan data menggunakan skala sadar wisata yang disusun oleh Setyaningsih, Rosyidah, dan Istiqomah (2021) dengan 28 aitem pernyataan serta skala dukungan sosial yang disusun oleh peneliti sendiri dengan 24 aitem pernyataan. Analisis data menggunakan uji regresi linier sederhana dengan bantuan aplikasi SPSS versi 26. Hasil nilai F hitung sebesar 186,779 dengan signifikansi 0,000 < 0,05 yang artinya masyarakat sekitar saling membantu satu sama lain dalam mengembangkan tempat wisata sehingga tingkat sadar wisata masyarakat sekitar menjadi lebih optimal. Kemudian hasil koefisien determinasi sebesar 41,1% yang artinya besaran peran dukungan sosial dalam memengaruhi tingkat sadar wisata sebesar 41,1%
PENGEMBANGAN MEDIA POP UP BOOK ‘’KESELAMATAN DI RUMAH DAN PERJALANAN” PADA MINAT BACA SISWA KELAS 2 SD/MI
Get PDFMedia Pop Up Book pada penelitian ini bertujuan untuk mempermudah guru dalam menyampaikan materi pembelajaran Bahasa Indonesia tentang penggunaan huruf kapital nama “Tuhan” pada buku tematik tema 8 sub tema 1 keselamatan di rumah dan perjalanan, pembelajaran ke-1. Peneliti juga mengajak siswa untuk gemar membaca tentang huruf kapital nama “Tuhan” dalam pelajaran Bahasa Indonesia. Pada media pop up book ini berisi beberapa cerita dan penjelasan dari cerita tersebut dengan tampilan media yang menarik dan unik agar siswa tidak menjadi bosan ketika membacanya. Penelitian ini menguji kelayakan media yang dikembangkan meliputi proses, kevalidan, kepraktisan dan keefektifan melalui lembar check list, ahli media dan materi, respon guru dan siswa terhadap media pembelajaran, dan hasil belajar siswa sebelum dan sesudah menggunakan media pembelajaran yang dikembangkan. Jenis penelitian yang digunakan adalah metode pengembangan dengan model ADDIE. Proses pengembangan media pop up book dalam bentuk lembar check list memperoleh data dari awal hingga akhir penelitian dinyatakan layak digunakan serta diimplementasikan. Kriteria kevalidan dari ahli media 92,6% dan materi produk ini mencapai 93,3 %. Dari segi kepraktisan, hasil uji kelompok kecil menunjukkan angka 98%, sedangkan uji coba lapangan mendapatkan hasil sebesar 98%, dengan kategori respon yang sangat baik. Efektivitas media pop up book ini diukur melalui observasi aktivitas guru, yang menunjukkan rata-rata sebesar 99%, observasi aktivitas siswa dengan angka 99%, dan tes hasil belajar siswa mencapai 88%, yang dapat dikategorikan sebagai pencapaian tuntas secara klaksikal. Dengan demikian, berdasarkan data diatas maka media pop up book layak digunakan dalam kegiatan belajar mengajar