RUMAH JURNAL IAIN PONOROGO
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Marketing Communication Strategy for Gold Installment Products to Increase the Number of Customers at Bank Syariah
Get PDFIntroduction: This study aims to analyze the marketing communication strategy of gold installment products in Islamic banking to increase the number of customers. Research Methods: The research method used is qualitative, with data collection techniques through in-depth interviews, observations, and document review. Results: The study results show that an effective marketing communication strategy combines traditional and digital media, sharia-based product education, and a personal approach that builds customer trust. The strategic advantages include compliance with sharia principles, product innovation relevant to market needs, responsive service, and consistent communication. These findings enrich the previous literature by providing empirical evidence that the success of gold installment products is determined by the attractiveness of gold investments and the effectiveness of marketing communication strategies that can build customer understanding and loyalty. Conclusion: This study recommends improving Islamic financial literacy, enhancing digital promotion, and building strategic partnerships to expand the market. These efforts are expected to make gold installment products competitive and sustainable Sharia investment instruments in the modern financial industry
CONTEMPORARY APPLICATIONS OF CASH WAQF IN ISLAMIC FINANCIAL INSTITUTIONS
Get PDFThis study discusses the contemporary applications of cash waqf in Islamic financial institutions. It comparatively examines diverse interpretations from both classical and contemporary fuqahā’. This study rigorously examines the innovative models and product structures of cash waqf employed by Islamic financial institutions. The analysis delves into the distinct Sharīʽah principles and jurisprudential implications of each model. Furthermore, the research explains the socio-economic impact and financial sustainability of these initiatives. Qualitative approach is used in this paper to conduct a comprehensive review of the diverse perspectives of jurists across the four principal Sunni namely, the Ḥanafiyyah school, the Mālikiyyah school, the Shāfiʽīyah school and Ḥanbaliyyah school, including contemporary fiqh al-wāqiʽ perspectives on contemporary applications of cash waqf in Islamic financial institutions within Malaysian context. This study synthesizes secondary data from a comprehensive review of academic and professional sources. It draws upon a wide range of materials, including both foundational and current scholarly manuscripts, journal articles, and research papers, alongside professional resources such as official documents, reports, and digital publications on the Makmur myWakaf Fund (MWF), PMB–An-Nur Waqf Income Fund, Maybank Mixed Assets-I Waqf Fund (MMAIW), Kenanga Waqf Al-Ihsan Fund (KWAF), and iTEKAD CIMB Islamic Rider Entrepreneur Programme. The findings reveal that Islamic Financial Institutions (IFIs) are revitalizing cash waqf through innovative financial products. This study contributes to the understanding that, by seamlessly integrating the profit motive of finance with the social objectives of waqf, IFIs have pioneered innovative financial instruments, such as cash waqf-linked investment products, waqf-based unit trusts, and waqf-shares, that facilitate the channelling of pecuniary returns (manfa‛ah) toward philanthropic endeavours, thereby bolstering the fund’s sustainability and growth which aligns directly with Bank Negara Malaysia’s (BNM) Value-Based Intermediation (VBI) vision and strategically embeds corporate social responsibility (CSR), environmental, social, and governance (ESG) investing, and sustainable and responsible investment (SRI). The findings provide crucial guidance for cultivating a supportive legal and regulatory framework to harness the long-term socioeconomic potential of cash waqf.
 
Empowering Mustahiq Through Productive Zakat: A Maqashid Sharia Analysis of The "Surabaya Berdaya" Program
Get PDFThis study evaluates the "Surabaya Berdaya" program initiated by BAZNAS Surabaya as a model of productive zakat aimed at empowering mustahiq through sustainable economic development. Grounded in the Maqashid Shariah framework, particularly the objective of Hifz al-Mal(protection of wealth), this study investigates the effectiveness of the program in transforming zakat beneficiaries into independent economic actors. A qualitative descriptive approach was employed, with data collected through interviews with program implementers and mustahiq, direct observations, and documentation analyses. The interview data were further analyzed using open coding techniques, allowing the emergence of key themes that were subsequently mapped to empowerment indicators. Verbatim quotations selected from informants were included to enhance methodological rigor and authenticity. The programme offers business capital, vocational training, business equipment, and ongoing mentoring to support micro-entrepreneurship. Field findings indicated increased income levels, improved financial literacy, and enhanced self-confidence among participants. Empowerment was observed through multidimensional indicators, such as self-agency, skill acquisition, resilience, and cooperative networks. The analysis shows that zakat utilization in this program aligns effectively with Maqashid Shariah, when combined with ethical governance, contextual sensitivity, and post-disbursement support. However, disparities in outcomes highlight the need for adaptive mentoring and personalized empowerment pathways. This study contributes to the growing literature on Islamic social finance by offering empirical insights into the operationalization of Maqashid Shariah in urban zakat programmes. It recommends further research into the long-term impact, integration with digital zakat systems, and policy innovation to enhance program scalability and effectiveness
Capital Accounting Based on Local Cultural Values by Gorontalo Travelers to Mecca
Get PDFThis study aims to understand the capital accounting practices of travelers from Gorontalo to Mecca using bicycles based on local cultural values. This study is positioned within the Islamic paradigm using an Islamic ethno-methodology approach. The data analysis method consisted of five stages: charity, knowledge, faith, revelation-based information, and courtesy. The findings show that the primary sources of capital are merchandise sales and support from friends and fellow Muslims. This capital is used to finance travel necessities, including food, accommodation, and bicycle repairs, as well as charity throughout the journey. In practice, initial capital recording was done in writing, but as the journey progressed, financial records were retained only in memory. This reflects a non-material value-based accounting concept in which the belief in sustenance predestined by the Creator serves as the primary foundation for financial management. Additionally, in Gorontalo’s Islamic culture, this belief is reflected in the phrase Diila o, onto, bo wolu-woluwo, meaning "unseen but existent." This phrase teaches that in life, one should not only focus on visible aspects, but also appreciate the existence of the unseen but real. These findings indicate that capital accounting practices in this journey are not solely focused on financial recording, but also encompass broader spiritual and social values
Kritik Terhadap Konsep Negara Ideal AL Farabi Serta Relevansinya Dengan Era Modern
Get PDFAbstract: Al-Madinah al-Fadhilah or what is called the ideal state is a concept of government initiated by a Muslim scholar named Al Farabi. The concept has an orientation towards achieving the highest happiness of society through cooperation, justice, and wise leadership that directs society towards common goals, not individual interests, by using normative approaches and qualitative research this research can produce a critical analysis of the concept of Al Farabi who initiated the concept of al-Madinah al-Fadhilah by mixing the realm of philosophy which of course many of these things are not understood for its implementation in the present day which in the end, the concept of al-Madinah al-Fadhilah is more appropriately understood as a political ideal rather than an applicable government system. The system functions as an ideal moral standard for evaluating every existing political system and behind the concept that was initiated there are shortcomings because the concept is very philosophical so it is difficult for today's society to understand, basically the concept of the ideal state of Al-Farabi is heavily influenced by Greek philosophy and Islamic theology, which makes it tend to be theoretical and difficult to realize in the real practice of state life. To determine whether the concept proposed by Al Farabi is still relevant or contradictory, the author has entitled this article: "A Critique of Al Farabi's Concept of the Ideal State and Its Relevance to the Present Era."
Keywords: Al Farabi, Al Madinah Al Fadillah, la
Analisis Pemahaman Siswa Kelas X SMAN 1 Jetis terhadap Teks Laporan Hasil Observasi
No full textStudents' understanding of the structure of Observation Report (LHO) texts is an important aspect in the development of critical literacy skills in Indonesian language learning. This study aims to describe the level of understanding of 10th grade students at SMAN 1 Jetis Ponorogo regarding the structure of LHO texts, which includes orientation, general description, description of parts, and conclusions. The study employed adescriptive quantitative approach using a survey method through a closed-ended questionnaire containing 20 statements. The respondents consisted of 19 students who had studied the LHO material. The data were analyzed using descriptive statistics through SPSS. The results of the study showed that 3 students were in the very good understanding category, 11 students in the fair understanding category, 4 students in the poor understanding category, and 1 student in the not understanding category. The aspects that were easiest for students to understand were orientation and general description, while part description and conclusion were the weakest indicators. These findings confirm that student understanding is not yet uniform, thus requiring learning strategies that emphasize detailed analysis, the use of authentic texts, and exercises in drawing conclusions based on observational data.
Keywords: Student Comprehension; Observation Report Text; Text Structure; Indonesian Language LearningPemahaman siswa terhadap struktur teks Laporan Hasil Observasi (LHO) merupakan aspek penting dalam pengembangan keterampilan literasi kritis pada pembelajaran Bahasa Indonesia. Penelitian ini bertujuan mendeskripsikan tingkat pemahaman siswa kelas X SMAN 1 Jetis Ponorogo terhadap struktur teks LHO, yang meliputi orientasi, deskripsi umum, deskripsi bagian, dan simpulan. Penelitian menggunakan pendekatan kuantitatif deskriptif dengan metode survei melalui angket tertutup berisi 20 pernyataan. Responden berjumlah 19 siswa yang telah mempelajari materi LHO. Data dianalisis menggunakan statistik deskriptif melalui SPSS. Hasil penelitian menunjukkan bahwa 3 siswa berada pada kategori sangat paham, 11 siswa pada kategori cukup paham, 4 siswa kurang paham, dan 1 siswa tidak paham. Aspek yang paling mudah dipahami siswa ialah orientasi dan deskripsi umum, sedangkan deskripsi bagian dan simpulan merupakan indikator yang paling lemah. Temuan ini menegaskan bahwa pemahaman siswa belum merata sehingga diperlukan strategi pembelajaran yang menekankan analisis detail, penggunaan teks autentik, dan latihan penyusunan simpulan berbasis data observasi.
Kata Kunci: Pemahaman Siswa; Teks Laporan Hasil Observasi; Struktur Teks; Pembelajaran Bahasa Indonesi
Halal Certification Efforts by Non-Muslim Business Actors as Protection of Muslim Consumers: A Study in the Multicultural Village of Klepu Sooko Ponorogo
Get PDFThis research explores the efforts of non-Muslim business actors in obtaining halal certification as a form of protection for Muslim consumers in Klepu, a multicultural village in Sooko, Ponorogo. Using a qualitative phenomenological approach, the study examines how non-Muslim entrepreneurs perceive and implement halal principles, even without formal certification. Data were collected through interviews, field observations, and documentation, and analyzed using triangulation techniques. The findings reveal that: (1) although non-Muslim business actors have not officially obtained halal certification, they have begun aligning their business practices with halal standards; (2) these efforts are motivated by moral responsibility and respect for Muslim consumers, as well as business opportunities; and (3) consumers feel more secure when halal certification is present, while business owners view it as a way to enhance market access and build interfaith trust. The study concludes that halal certification, even when pursued voluntarily by non-Muslims, contributes significantly to consumer protection and inclusive economic growth
Epistemological Transformation of Hadith Transmission in Post-3rd Century of Sufi Tradition
Get PDFThe discourse on hadith transmission within the Sufi tradition presents a compelling subject for inquiry, particularly concerning its inherent dynamics and the intellectual tensions arising between Sufi practitioners and ḥadīth scholars. While Sufis define themselves as guardians of Prophetic teachings through spiritual realization and divine connection, a paradoxical divergence emerges: their methods of transmission often contravene the principles of validation recognized by mainstream scholarship. Departing from this apparent contradiction, this study investigates the epistemological framework through which Sufis engage with hadith and the methodological principles underpinning their transmission practices. Employing a descriptive-qualitative methodology in library research methodology, relevant data were systematically collected, verified for authenticity, classified thematically, and subjected to critical analysis and reflection. This inquiry reveals that the transformation within Sufi circles and the doctrine of taṣawwuf itself is fundamentally shaped by historical shifts, with each epoch developing distinct forms and modes of praxis. The principal finding of this research lies in the demonstration that the evolution of transmission practices follows a discernible trajectory: it originated within the traditional framework governed by the isnād system, transitioned into a phase marked by the simplification or truncation of isnāds, and culminated in the emergence of methods radically distinct from the established tradition of hadith scholars. This final stage is characterized by alternative methodologies based on kashf and ru’yā. The adoption of these alternative methods stems from the Sufi ambition to maintain a continuous spiritual connection with the Prophet, a connection they contend is accessible primarily through contemplative practice. While contemplation possesses a basis for legitimacy within Prophetic tradition, its application as a formal channel for transmitting ḥadīth risks replicating a historical peril: the proliferation of fabricated hadiths. This risk arises from the inherent difficulty of verifying the chain of transmission (isnād) and the matn of such experientially-received knowledge through the systematic criteria developed within the classical science of hadith.
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Zuhar, ‘Adnan ‘Abdullah. Taṣḥīḥ Al-Ḥadīṡ ‘inda Sādah al-Ṣūfiyyah. n.d.Sufisme dan ahl al-ṣūfī mengalami perkembangan yang signifikan pada abad ketiga Islam, bersamaan dengan perkembangan sistematis berbagai ilmu Islam. Meskipun menggunakan hadis sebagai kerangka dasar untuk ajaran Sufi, metode transmisi di kalangan Sufi mengembangkan karakteristik yang berbeda dari studi hadis konvensional. Penelitian ini mengkaji perspektif Sufi terhadap hadis dan pendekatan unik mereka dalam transmisi. Menggunakan metodologi kualitatif-deskriptif melalui tinjauan literatur komprehensif, penelitian ini mengungkapkan bahwa Sufi lebih mengutamakan nilai-nilai dan makna intrinsik dalam narasi hadis daripada kriteria transmisi formal. Akibatnya, keaslian hadis dalam tradisi Sufi tidak ditentukan secara utama oleh keberadaan isnād (rantai transmisi), kepatuhan terhadap metodologi hadis standar, atau prinsip verifikasi konvensional lainnya. Sebaliknya, validitas dinilai melalui kesesuaian dengan ajaran Al-Qur’an, konsistensi dengan hadis yang terverifikasi, dan keselarasan dengan prinsip-prinsip Islam yang mendasar. Pendekatan epistemologis ini melegitimasi metode verifikasi alternatif, termasuk kashf (penyingkapan spiritual) dan pengalaman visioner, asalkan transmisi tersebut memenuhi kriteria yang disebutkan dan berasal dari para master Sufi yang secara spiritual maju (yang mencapai maqāmāt yang tinggi dalam hierarki Sufi)
Integration of Spiritual Healing and Islamic Education through Ruqyah
Get PDFThis study aims to analyze the integration between spiritual healing and Islamic education in the practice of ruqyah in Ponorogo. It has been perceived solely as a method of spiritual healing through reciting verses from the Qur'an and special prayers. Some researchers said that it not only serves as therapy but also as Islamic education. This study employed a qualitative case study approach, focusing on the ruqyah practices of Jam'iyyah Ruqyah Aswaja (JRA) Batoro Katong Ponorogo. The data was obtained through interviews, observations, and documentation. Then, it was analyzed using the Miles and Huberman model. The findings reveal that ruqyah serves a dual function: first, as a means of healing for individuals experiencing medical, non-medical, or psychological disorders; second, as an instrument of Islamic education that instills the values of faith, worship, and morals in patients. The integration of these two functions shows that ruqyah can be positioned as a holistic religious practice, combining therapeutic and pedagogical aspects. This study implies that ruqyah can be developed as an integrative non-formal model of Islamic education, serving not only as a spiritual healing therapy but also as a medium for nurturing faith, worship, and moral values within the community
Digital Transformation of Waqf Management: Innovation Pathways and Policy Directions in Muslim-Majority Developing Countries
Get PDFWaqf represents a powerful economic instrument with substantial potential to empower communities, particularly in countries with large Muslim populations. In the digital era, innovations in the management of productive waqf offer new opportunities to enhance the effectiveness and efficiency of waqf fund utilization. This study aims to explore innovative models of productive waqf management and their impact on community economic empowerment. Employing a qualitative descriptive approach, this research conducts a comprehensive literature review of journal articles, books, and other relevant sources to analyze digital waqf practices in developing countries. The findings reveal that digital innovations—such as crowdfunding platforms, blockchain technology, and mobile applications—can significantly improve the efficiency, accountability, and outreach of waqf management. These technologies hold substantial potential to expand waqf fundraising, enhance transparency, and facilitate greater public participation. Nevertheless, several challenges persist, including low digital literacy, limited public trust in digital waqf systems, and the need to align regulatory frameworks with technological developments. This study offers insights and recommendations for policymakers and practitioners, particularly in Indonesia, to harness digital waqf innovations in supporting sustainable development and advancing community empowerment.
Abstrak
Wakaf merupakan instrumen ekonomi yang kuat dengan potensi signifikan untuk memberdayakan masyarakat, terutama di negara-negara dengan populasi Muslim yang besar. Di era digital, inovasi dalam pengelolaan wakaf produktif menghadirkan peluang untuk meningkatkan efektivitas dan efisiensi pemanfaatan dana wakaf. Penelitian ini bertujuan untuk mengeksplorasi model-model inovatif pengelolaan wakaf produktif dan dampaknya terhadap pemberdayaan ekonomi masyarakat. Penelitian ini menggunakan metode deskriptif kulalitatif dengan teknik tinjauan pustaka yang komprehensif dari artikel jurnal, buku, dan sumber-sumber relevan untuk menganalisis praktik wakaf digital di negara-negara berkembang. Temuan penelitian menunjukkan bahwa inovasi digital seperti platform crowdfunding, teknologi blockchain, dan aplikasi seluler dapat secara signifikan meningkatkan efisiensi, akuntabilitas, dan jangkauan pengelolaan wakaf. Teknologi-teknologi ini menawarkan potensi untuk memperluas penghimpunan dana wakaf, meningkatkan transparansi, dan memfasilitasi partisipasi publik yang lebih besar. Namun, masih terdapat tantangan, termasuk rendahnya literasi digital, terbatasnya kepercayaan publik terhadap sistem wakaf digital, dan perlunya menyelaraskan kerangka regulasi dengan perkembangan teknologi. Penelitian ini memberikan wawasan dan rekomendasi bagi para pembuat kebijakan dan praktisi, khususnya di Indonesia, dalam memanfaatkan inovasi wakaf digital untuk mendukung pembangunan berkelanjutan dan memberdayakan masyarakat