Innovatio: Journal for Religious Innovation Studies
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Percampuran Deposito Investasi dan Pewarisan Uang Asuransi dalam Perspektif Hukum Islam
Full text linkThe mixture of investment deposits and inheritance of life insurance money is part of the mudharabah (ordinary transactions) and is still an Ijtihadiah (an attempt to find the legal status of a case which is not discussed in the Al Quran or hadith) that is differ or khilafiah in nature.There are no explicit explanations and affirmations for these two problems in the Alquran and Sunnah. The specific discussion by the Madzhab Imams was also not explained, therefor the ulama afterward tried to find the legal position of these two things. This paper examines the position of mixing investment deposits and inheritance of life insurance money, after assuming that both are legal. The main argument of the permissibilty of the mixture of investment deposits and inheritance of life insurance money, through qiyas that both forms, are ordinary mudarabah in human relations.
Percampuran deposito investasi dan pewarisan uang asuransi, dalam tulisan ini adalah asuransi jiwa, adalah bagian dari mudharabah dan masih merupakan kawasan Ijtihadiah. Dua persoalan ini tidak dijumpai penjelasan dan penegasannya dalam Alquran dan Sunnah secara eksplisit. Pembahasan yang spesifik oleh Imam-Imam Madzhab juga tidak diterangkan, sehingga menjadi khilafiah dan para ulama sesudahnya berusaha untuk mencari kedudukan hukum dua hal tersebut. Tulisan ini mengurai tentang kedudukan percampuran deposito investasi dan pewarisan uang asuransi jiwa, setelah menganggap bahwa keduanya berhukum boleh. Argumen utama bolehnya percampuran deposito investasi dan pewarisan uang asuransi jiwa yaitu dengan qiyas bahwa bentuk keduanya adalah mudharabah biasa dalam hubungan antar manusia atau muamalah
Kilas Balik Kebijakan Pendidikan Islam Indonesia pada Masa Orde Baru (1967-1997)
Full text linkIslamic education during the New Order experienced a growth both quantitatively and in terms of the quality of the organization. The New Order policy in Islamic Education, for example: the government implemented Islamic religious education taught in elementary schools to higher education, madrasa institutions and pesantren began to be recognized, the provision of facilities and others. Government policies during the New Order era, although providing fresh air for the development of Islamic education, the stakeholders must fight and work hard to convince the government so that the existence of Islamic education remains recognized and has the same position with other education nationally
Pengaruh Produk, Pelayanan dan Promosi terhadap Keputusan Nasabah untuk Menabung di Bank Syariah
Full text linkThis study aims to determine the effect of products, services, and promotions on customer decisions to save at syari'ah banks. This research is a descriptive quantitative research with multiple linear regression analysis method which is conducted at Bank Muamalat Indonesia, Jambi City using the form of field studies (Field Study). The instrument in this study is a questionnaire. The results of this study indicate that the customer's decision to save has a significant effect on products, services and promotions simultaneously. Then about how the product, service and promotion simultaneously influence the customer's decision to save at BMI. That the factors that influence customer interest in saving include customer knowledge about the products in the Muamalat bank itself and the price and place promotions. Not only that, the marketing performance of the marketing work mechanism in promoting product funding to customers by studying customer profiles before creating an account at BMI. Besides, service to customers is very supportive for promotion in influencing customer decisions to save.
Penelitian ini bertujuan untuk mengetahui pengaruh produk, pelayanan, dan promosi terhadap keputusan nasabah untuk menabung di bank syari’ah. Penelitian ini adalah penelitian kuantitatif deskriptif dengan metode analisis regresi linear berganda yang dilaksanakan di Bank Muamalat Indonesia Kota Jambi menggunakan bentuk studi lapangan (Field Study). Intrumen dalam penelitian ini adalah kuisioner. Hasil penelitian ini yaitu keputusan nasabah untuk menabung memiliki pengaruh signifikan terhadap produk, pelayanan dan promosi secara simultan. kemudian mengenai bagaimana pengaruh produk, pelayanan dan promosi secara simultan terhadap keputusan nasabah untuk menabung di BMI. Bahwa faktor yang mempengaruhi minat nasabah untuk menabung diantaranya pengetahuan nasabah mengenai produk yang ada di bank muamalat itu sendiri dan dengan harga dan place promotion. Tidak hanya itu kinerja marketing atas mekanisme kerja marketing dalam mempromosikan produk funding kepada nasabah dengan mempelajari profil nasabah sebelum membuat rekening di BMI. Disamping itu pelayanan kepada nasabah sangat mendukung untuk promosi dalam mempengaruhi keputusan nasabah untuk menabung
Pengaruh Margin Keuntungan dan Inflasi terhadap Pembiayaan pada BRI Syariah Jambi
Full text linkThis study aims to determine the effect of the level of inflation and profit margins on the financing of BRI Syariah Bank Jambi. Data sources in the form of the 2014-2018 BRI Syariah Bank Annual Report, especially in Profit Margin and Financing pages and also from Bank Indonesia Publications on inflation rate. The approach in this research is quantitative with descriptive statistical techniques. The regression test used is multiple regression test with t test, F test and determination coefficient test R2. The statistical tool uses the Eviews program version 6. The results showed that the effect of inflation (X1) on Y was a significance value less than 0.05 (0.0000 <0.05). then the obtained t table with df = 48 is equal to 1,677. then obtained tcount (-) 6.312717> t table (1.677) so that H0 is rejected and Ha is accepted. Therefor inflation has a significant effect on financing disbursed by PT.BRI Syariah in Jambi. While the Profit Margin (X2) obtained by t count of 1.885936, then the obtained t table with df = 48 is 1.677. then obtained tcount (1.885936)> t table (1.677) so that H0 is rejected and Ha is accepted. The profit margin has a significant effect on the financing distributed to BRI Syariah Jambi. A constant value of 16,083,290 states that if the independent variable is considered constant, the average disbursed financing is 16.08%. every one percent increase in inflation, the channeled financing will decrease by 0.422788 or 42.78%. Every one percent increase in the profit margin, the financing channeled will increase by 2.14%.
Penelitian ini bertujuan untuk mengetahui pengaruh margin keuntungan dan inflasi terhadap pembiayaan Bank BRI Syariah Jambi. Sumber data berasal dari Laporan Tahunan Bank BRI Syariah khususnya terkait margin keuntungan dan pembiayaan serta publikasi Bank Indonesia untuk melihat tingkat inflasi. Pendekatan penelitian adalah kuantitatif dengan teknik statistik deskriptif. Uji regresi yang digunakan adalah uji regresi berganda dengan Uji t, Uji F dan Uji Koefisien Determinasi R2. Alat bantu statistik menggunakan program Eviews versi 6. Hasil penelitian menunjukkan bahwa pengaruh Inflasi (X1) terhadap Y adalah nilai signifikansi lebih kecil dari 0.05 (0.0000 < 0.05). maka diperoleh ttabel dengan df = 48 adalah sebesar 1.677. maka diperoleh thitung (-)6.312717 > ttabel (1.677) sehingga H0 ditolak dan Ha diterima. Maka Inflasi berpengaruh signifikan terhadap pembiayaan yang disalurkan oleh PT.BRI Syariah di Jambi. Sedangkan Margin Keuntungan (X2) diperoleh thitung sebesar 1.885936 maka diperoleh ttabel dengan df = 48 adalah sebesar 1.677. maka diperoleh thitung (1.885936) > ttabel (1.677) sehingga H0 ditolak dan Ha diterima. Margin keuntungan berpengaruh signifikan terhadap pembiayaan yang disalurkan BRI Syariah Jambi. nilai konstanta sebesar 16.083.290 menyatakan bahwa jika variabel independen dianggap konstan, maka rata-rata pembiayaan yang disalurkan 16,08%. setiap ada peningkatan satu persen Inflasi maka pembiayaan yang disalurkan akan turun sebesar 0.422788 atau 42,78%. Setiap ada peningkatan satu persen margin keuntungan maka pembiayaan yang disalurkan akan meningkat sebesar 2,14%
Metode Muraja’ah dalam Menghafal Al-Qur`An di Pondok Pesantren Al-Mubarok Tahtul Yaman Kota Jambi
Full text linkThis study aims to find out how the process of applying the muraja’ah method in memorizing al-Qur`an at al-Mubarak Islamic Boarding School. The study uses qualitative research, with data collection through documentation, interviews, observation and questionnaires. Key informants are Kyai Pondok Pesantren, Deputy Head of Curriculum, Ustadz/ Ustadzah, Santriwan/ Santriwati. This study found that the effectiveness of the Muraja'ah Method in Memorizing al-Qur`an in al-Mubarok Islamic Boarding School in Tahtul Yaman Village, Pelayangan District of Jambi City still experiences obstacles in memorizing activities, the existing constraints: 1) Lack of motivation santri in muraja'ah hafalan al-Qur`an, 2) Lack of time management and lack of discipline, and 3) Environmental conditions
Penggunan E-Learning, E-Book, E-Journal dan Sistem Informasi Pendidikan Islam di Universitas Sriwijaya Palembang
Full text linkThe 4.0 industrial revolution in the field of education, universities must be able to respond to this by carrying out reforms and reforms, especially Islamic tertiary institutions so as not to lag behind western education by conducting E-Learning-based education, E-Book E-Journal and Islamic Education Information System (SIMPE) which is a form of educational products nowadays that prioritize information technology. Responding to the development of education, Sriwijaya University (UNSRI) has implemented an E-Learning-based education system, E-Book E-Journal and Simpe in its education system. E-Learning, E-Book E-Journal and SIMPE is a global issue in the world of education today, especially in university education. For this reason, the author focuses on the Implementation of E-Learning, E-Book E-Journal and SIMPE conducted by the Sriwijaya University Palembang
Kecukupan Modal, Pembiayaan Bermasalah, dan Efisiensi Operasional Sebagai Determinan dari Profitabilitas Bank Muamalat Indonesia Periode 2012-2017
Full text linkThis research aims to analyze the effect of capital adequacy, financing risk, and operational efficiency on the profitability of Bank Muamalat Indonesia. This research uses a quantitative descriptive approach, the object of research is the Capital Adequacy Ratio (CAR / KPMM) as a proxy for capital adequacy, Non-Performing Financing (NPF) as a proxy for financing risk, Operational Costs Operating Income (BOPO / REO) as a proxy for operational efficiency, and Return on Assets (ROA) as a proxy for profitability. The research subjects are the annual and quarterly financial reports of PT. Bank Muamalat Indonesia for the period 2012 - 2017. Methods of data analysis using multiple linear regression. The results showed that CAR had no significant effect on ROA. Meanwhile, NPF and BOPO have a negative and significant effect on ROA.
Penelitian ini bertujuan untuk menganalisis pengaruh kecukupan modal, pembiayaan bermasalah, dan efisiensi operasional terhadap profitabilitas Bank Muamalat Indonesia. Penelitian menggunakan pendekatan deskriptif kuantitatif, Objek penelitian adalah Capital Adequacy Ratio (CAR/KPMM) sebagai proksi dari kecukupan modal, Non-Performing Financing (NPF) sebagai proksi dari pembiayaan bermasalah, Biaya Operasional Pendapatan Operasional (BOPO/REO) sebagai proksi dari efisiensi operasional dan Return on Asset (ROA) sebagai proksi dari profitabilitas. Subjek penelitian adalah laporan keuangan tahunan (Annual Report) dan triwulanan PT. Bank Muamalat Indonesia periode 2012 – 2017. Metode analisis data menggunakan regresi linier berganda. Hasil penelitian diketahui bahwa CAR tidak berpengaruh signifikan terhadap ROA. Sementara itu, NPF dan BOPO mempunyai pengaruh negatif dan signifikan terhadap ROA
Ekonomi Berdaulat dan Berkeadilan dalam Perspektif Muhammad Iqbal
Full text linkReligion is the basic capital in building a solid economy. Social welfare in an Islamic perspective is not only oriented towards fulfilling material needs but must be based on the principle of justice which considers the aspects of material, social and spiritual satisfaction for the individual as well as for the wider community. This paper is intended to explore the thoughts and economic vision initiated by Muhammad Iqbal. This study is a qualitative study using a content-analysis approach through data taken from various writings related to this research. In the end, this research concludes that economic justice will be realized if there is political sovereignty, and political sovereignty will be realized if there is independence. The concept of a just economy is born from religious guidance and teachings because it directly defines the concept of holistic welfare in the vital aspects of human needs.
Agama menjadi modal dasar dalam membangun perekonomian yang solid. Kesejahteraan sosial dalam perspektif Islam, tidak hanya berorientasi pada pemenuhan kebutuhan material saja akan tetapi ia harus berlandaskan kepada prinsip keadilan yang mempertimbangkan aspek kepuasan material, sosial dan spiritual bagi individu juga terhadap masyarakat luas. Tulisan ini dimaksudkan untuk mengeksplorasi pemikiran dan visi ekonomi yang digagas oleh Muhammad Iqbal. Kajian ini bersifat kualitatif dengan menggunakan pendekatan content-analysis melaui data-data yang diambil dari berbagai penulisan yang terkait dengan penelitian ini. Pada akhirnya penelitian ini menyimpulkan bahwa keadilan ekonomi akan terwujud jika ada kedaulatan politik, dan kedaulatan politik akan wujud jika ada kemerdekaan. Konsep ekonomi berkeadilan lahir sesungguhnya dari bimbingan dan ajaran agama karena ia secara langsung mendefinisikan konsep kesejahteran holistik aspek vital kebutuhan manusia
Optimalisasi Politik Pendidikan Nasional melalui Manajemen Berbasis Sekolah
Full text linkCentrally system of education which implemented by the government does not address the needs of the community and students and hinders the occurrence of democracy in the implementation of education, this is because the centralized system forces and applies uniform policies nationally, therefor the target of the central education policy does not reach the target and not as expected because each region has different diversity, interests and potential of human resources and natural resources. In the current education policy, the autonomy of education is one of the positive policies, because it does not stop in districts and cities, but this policy is directly to schools as the spearhead of the implementation of education. One policy system that is considered good at the school level is what is known as the School Based Management Model (SBM). SBM is one model of education management based on school autonomy or independence in determining the direction, policy and course of education. In the process of implementing SBM education, the community must be included, because the community is the first and foremost layer of the education process. This means that the process of education, quality of education, facilities, and goals of education are also the responsibility of the community
Perkembangan Bahasa Anak dan Implikasinya dalam Pembelajaran
Full text linkThis article aims to discuss the importance of language, where language is the ability to communicate with others. Language is an essential factor that distinguishes humans from animals. Language is closely related to individual thinking development. The development of individual thinking appears in the development of language, namely the ability to form understanding, compile opinions and draw conclusions. Whereas, development is a process that must be experienced by each individual, this development is qualitative and related to maturity and systematic. Language development in children is very important because through language, children can express thoughts, so that others understand it and create a social relationship. So, it is not surprising that language is considered as an indicator of a child's succes