Griya Jurnal UIN Prof. K.H. Saifuddin Zuhri Purwokerto
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Analisis Strategi Islamic Marketing Mix Pada Produk Pembiayaan BMT UGT Nusantara Cabang Blega Menurut Perspektif Samir Abuznaid
No full textPenelitian ini mengkaji pemasaran dalam lembaga keuangan, khususnya di sektor keuangan syariah yang berkembang pesat dengan persaingan yang semakin ketat. Penelitian berfokus pada BMT UGT Nusantara cabang Blega yang menghadapi tantangan dalam mempertahankan pangsa pasar di tengah bertambahnya jumlah lembaga keuangan syariah. Penelitian ini menggunakan strategi Islamic marketing mix 9P menurut perspektif Samir Abuznaid, mencakup produk, promosi, tempat, harga, orang, bukti fisik, proses, janji, dan kesabaran, untuk menganalisis penerapan strategi pemasaran produk pembiayaan, menentukan elemen dominan, serta mengkaji dampak perubahan terhadap jumlah nasabah. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi menggunakan teknik Snowball sampling. Analisis data meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa 1) BMT UGT Nusantara Cabang Blega menawarkan produk sesuai prinsip syariah, menetapkan harga jelas, memilih lokasi strategis, dan menggunakan promosi mulut ke mulut serta media sosial. Fokus lainnya adalah pelatihan karyawan, proses pembiayaan fleksibel, fasilitas fisik memadai, ketepatan janji, dan kesabaran. 2) Urutan elemen dominan dalam strategi ini adalah produk, tempat, promosi, proses, bukti fisik, harga, sabar, janji, dan manusia. 3) Penerapan strategi ini berhasil meningkatkan jumlah nasabah, akan tetapi masih terdapat tantangan internal dan eksternal. Evaluasi dan penyesuaian rutin diperlukan untuk pertumbuhan berkelanjutan
An Islamic Economic Perspective on the Implementation of Progressive Taxation to Address Income Inequality in Indonesia
No full textRising income inequality in Indonesia poses a persistent socio-economic challenge, requiring not only technical solutions but also ethically grounded fiscal strategies. This study explores the compatibility of progressive taxation with Islamic economic principles, particularly within the framework of maqāṣid al-sharī‘ah. It aims to examine how traditional Islamic instruments such as zakat, waqf, and infāq can conceptually align with modern fiscal tools in promoting distributive justice. The novelty lies in reframing progressive taxation as an ethical mechanism rooted in Islamic values, rather than a secular policy instrument. The study adopts a descriptive qualitative methodology through library research, utilizing secondary data from Scopus- and Web of Science-indexed journals, academic books, and classical Islamic texts. Using document analysis and deductive reasoning, the study synthesizes theoretical concepts into actionable insights for policy development in Indonesia. The findings indicate that, when ethically implemented, progressive taxation resonates with Islamic principles of ‘adālah (justice), maṣlaḥah (public interest), and social solidarity. However, Indonesia’s experience highlights the need for structural tax reform coupled with moral recalibration in fiscal governance. The study concludes that integrating Islamic ethical values into tax policy can enhance public trust, encourage voluntary compliance as ‘ibādah (worship), and promote inclusive, spiritually grounded economic development
Kontribusi Dewan Pengawas Syariah Terhadap Kepatuhan Prinsip Syari’ah Pada Lembaga Finansial Technology Syari’ah
No full textThis study aims to examine the Contribution of the Sharia Supervisory Board (SSB) in ensuring compliance with sharia principles in sharia fintech institutions in Indonesia, while identifying various problems faced. The method used is a literature study with a secondary data analysis approach sourced from scientific articles, journals, and previous research. The results of the study indicate that the SSB plays a crucial role in ensuring sharia compliance, through periodic supervision, implementation of DSN-MUI fatwas, and development of sharia-compliant products and services. However, this study found a number of challenges, including the weak special supervisory mechanism for sharia fintech and the continued violation of sharia principles on several platforms such as Investree, Dana Syariah, and Peer to Peer Lending Syariah. Therefore, this study recommends strengthening the capacity of the SSB, improving regulations, and increasing cooperation between the SSB and related authorities in order to minimize sharia violations. Thus, this study makes an important contribution to strengthening the sharia supervisory system and supporting the sustainable growth of sharia fintech in Indonesia
Menegosiasikan Iman dan Makanan: Implementasi Kewajiban Sertifikasi Halal dalam Praktik Penggilingan Bakso Berbasis Komunitas di Pasar Tradisional Tanjung Morawa
No full textMeatball grinding facilities process meat-based products and are therefore required to obtain halal certification due to several critical control points, such as meat sourcing, additives, hygiene, and potential contamination. However, none of the facilities at Pasar Rakyat Tanjung Morawa currently hold halal certification. This study investigates the factors hindering the implementation of Halal Product Assurance in these facilities. Using an empirical juridical approach, supported by a case study and sociological perspective, data were collected through observations and interviews, then analyzed qualitatively through deductive reasoning. The findings show that the main internal barrier is the lack of legal awareness among both business operators and consumers. Externally, challenges include limited supervision by BPJPH, the scarcity of halal-certified slaughterhouses (RPHU/RPHR), and the high costs of certification. Ensuring halal compliance in these facilities is crucial not only for improving food quality and safety but also for building consumer trust and ensuring access to products that meet halal standards.Tempat penggilingan bakso merupakan layanan pengolahan makanan berbahan dasar daging yang wajib memiliki sertifikasi halal karena adanya titik-titik kritis, seperti sumber daging, penggunaan bahan tambahan (tepung dan bumbu), standar kebersihan, serta risiko kontaminasi dengan bahan non-halal. Namun, seluruh tempat penggilingan bakso di Pasar Rakyat Tanjung Morawa belum memiliki sertifikasi halal. Penelitian ini bertujuan mengkaji faktor-faktor penghambat penerapan Jaminan Produk Halal di lokasi tersebut. Metode yang digunakan adalah pendekatan yuridis empiris dengan studi kasus lapangan dan perspektif sosiologis. Data diperoleh melalui observasi dan wawancara, kemudian dianalisis secara kualitatif dengan penalaran deduktif. Hasil penelitian menunjukkan bahwa hambatan internal utama adalah rendahnya kesadaran hukum pelaku usaha dan konsumen. Hambatan eksternal meliputi minimnya pengawasan dari BPJPH, keterbatasan Rumah Potong Hewan yang bersertifikat halal (RPHU/RPHR), serta tingginya biaya sertifikasi. Penerapan Jaminan Produk Halal sangat penting untuk meningkatkan kualitas dan transparansi pengolahan makanan berbasis daging, memperkuat kepercayaan konsumen, dan memastikan akses terhadap produk yang sesuai dengan standar halal
Penerapan Metode Taltahmur (Talaqqi, Tahsin, dan Murojaah) Dalam Meningkatkan Hafalan Al-Qur’an Siswa di MTs Raudlatul Huda Adipala, Cilacap
No full textAl-Qur’an merupakan kitab suci umat islam dan juga menjadi pedoman hidup umat islam dalam menjalani kehidupan. Al-Qur’an merupakan wahyu Allah yang diturunkan kepada Nabi Muhammad SAW melalui perantara malaikat Jibril. Hukum menghafal Al-Qur’an yaitu fardhu kifayah yang artinya semua umat muslim wajib melaksanakan, namun jika sudah ada seseorang yang melakukannya, maka gugur kewajiban umat muslim lainnya. Salah satu metode yang digunakan untuk menghafal Al-Qur’an di MTs Raudlatul Huda Adipala adalah metode taltalmur (talaqi, tahsin, dan murojaah). Tujuan dari metode taltahmur (talaqqi, tahsin, murojaah) yang diterapkan pada kelas tahfidz adalah untuk membantu siswa dalam meningkatkan hafalan Al-Qur’an. Penerapan metode taltahmur membantu siswa dalam menghafal Al-Qur’an dengan target satu tahun satu juz. Penelitian ini bertujuan untuk mengetahui penerapan metode taltahmur dalam meningkatkan hafalan Al-Qur’an siswa di MTs Raudlautul Huda Adipala. Penelitian ini mengambil data langsung dari apangan dengan menggunakan metode deskriptif kualitatif. Tahapan dalam penerapan metode taltahmur di MTs Raudlatul Huda Adipala yaitu tahap perencanaan, tahap pelaksanaan, dan tahap evaluasi.
Kata kunci: Metode menghafal Al-Qur’an, Metode Taltahmu
Bai‘ Al-Salam dan Aplikasinya dalam Sistem Pre-Order Online Platform Tanifund
No full textThis study analyzes the suitability of the digital pre-order system with the bai\u27 al-salam contract from a muamalah jurisprudence perspective, using the TaniFund platform as a model of contemporary practice. In principle, pre-orders share similar characteristics to salam, in that payment is made in advance for goods delivered later according to agreed specifications and timing. However, observations on TaniFund indicate potential Sharia inconsistencies, such as unclear commodity specifications, uncertain harvest times, the risk of product substitution, and possible production delays due to crop failure. Furthermore, the use of conventional protection schemes and the lack of Sharia-compliant dispute resolution mechanisms can give rise to elements of gharar (unclear risk) and injustice for both investors and farmers. This study uses a qualitative-descriptive approach through a study of classical fiqh literature, the DSN-MUI fatwa No. 05/DSN-MUI/IV/2000 on salam, and an analysis of practices on the TaniFund platform. The research results show that pre-orders can be declared valid according to Sharia if they fulfill the pillars and requirements of salam, and are supported by transparent digital mechanisms, written contracts, commodity verification, and Sharia-compliant risk mitigation schemes. Therefore, strengthening contracts, internal regulations, and user education are necessary to ensure that digital pre-order practices, including those at TaniFund, align with the principles of justice, legal certainty, and the welfare of the Islamic economy
A Holistic Analysis of ESP Learners\u27 Competencies and Expectations to Curriculum
No full textThe study of this research highlights the dimension of language proficiency and cultural skills from English for Specific Purposes (ESP) by analysing learner needs with their language proficiency, public speaking skills, educational and professional backgrounds, and cross-cultural understanding to discover a various limit of the current teaching method. Emphasizing a mixed-methods approach, data collected through needs analysis surveys. The study draws from that learners in English for Specific Purposes (ESP) need more than just technical language skills. This research aims to tell the lack of elements from a curriculum and deliver a solution accordingly to the student’s needs. Authors highlight the ability to communicate confidently and navigate cultural differences to influences how well they learn and participate. Moreover, with the improvement of the curriculum design with both linguistic needs and real-world professional scenarios, this research contributes to refinement of ESP base framework curriculum. offering practical implications for educators, curriculum developers to face the realities faced by ESP learners in globalized, multilingual environments based within the data and coherence it with real world situations and needs. The research also provides suggestions for educators and curriculum designers to create materials that reflect both the language abilities and real-world needs of their students.Penelitian ini menyoroti dimensi kemahiran bahasa dan keterampilan budaya dari English for Specific Purposes (ESP) dengan menganalisis kebutuhan pelajar dengan kemahiran bahasa, keterampilan berbicara di depan umum, latar belakang pendidikan dan profesional, dan pemahaman lintas budaya untuk menemukan berbagai batasan dari metode pengajaran yang ada saat ini. Menekankan pendekatan metode campuran, data dikumpulkan melalui survei analisis kebutuhan. Penelitian ini menarik kesimpulan bahwa peserta didik dalam Bahasa Inggris untuk Tujuan Khusus (ESP) membutuhkan lebih dari sekedar kemampuan bahasa teknis. Penelitian ini bertujuan untuk mengetahui kekurangan elemen-elemen dari kurikulum dan memberikan solusi yang sesuai dengan kebutuhan siswa. Penulis menyoroti kemampuan untuk berkomunikasi dengan percaya diri dan menavigasi perbedaan budaya untuk mempengaruhi seberapa baik mereka belajar dan berpartisipasi. Selain itu, dengan peningkatan desain kurikulum dengan kebutuhan linguistik dan skenario profesional dunia nyata, penelitian ini berkontribusi pada penyempurnaan kerangka kerja kurikulum dasar ESP. menawarkan implikasi praktis bagi para pendidik, pengembang kurikulum untuk menghadapi kenyataan yang dihadapi oleh peserta didik ESP di lingkungan global dan multibahasa berdasarkan data dan mengkoherensikannya dengan situasi dan kebutuhan dunia nyata. Penelitian ini juga memberikan saran bagi para pendidik dan perancang kurikulum untuk membuat materi yang mencerminkan kemampuan bahasa dan kebutuhan dunia nyata siswa mereka
Constitutional Framework for Mining Regulation: Regional Autonomy and State Authority
No full textThe licensing of minerals and coal in Indonesia faces significant challenges, particularly concerning legal certainty and fair intergovernmental relationships. This research delves into the legal uncertainties emerging from the central-regional framework defined by Article 18 of the 1945 Constitution and Law No. 23/2014 on Regional Government. It also examines sectoral regulations as laid out in Law No. 4/2009, amended by Law No. 3/2020 and Law No. 2/2025, and Government Regulation No. 25/2024. Through a normative legal methodology that includes legislative, conceptual, and comparative analyses, the study highlights issues such as: overlapping mandates between laws, unclear operational boundaries between Law No. 23/2014 and post-2020 mining regulations, and inconsistencies in enforcement practices. A significant conclusion of the research emphasizes the constitutional authority given to Regional Governments to regulate and oversee mining operations within their areas. However, the implementation Law No. 2 may unintentionally undermine regional autonomy and modify the crucial role of Regional Governments as primary regulators in the mining sector. Additionally, the assignment of authority to mass organizations and universities in mining management in mining raises serious questions regarding legal hierarchy and compliance with constitutional mandates, potentially conflicting with their official roles and purposes
Peran Strategis Tokoh Pendidikan Asal Hadrami Di Jakarta Dalam Proses Kemerdekaan Indonesia
No full textPenelitian ini mengkaji peran strategis tokoh-tokoh Hadrami di Jakarta dalam perjuangan kemerdekaan Indonesia melalui jalur politik, sosial, dan pendidikan. Sebagai bagian dari diaspora Arab yang telah lama berintegrasi dengan masyarakat lokal, komunitas Hadrami menunjukkan kontribusi signifikan dalam membentuk identitas nasional melalui lembaga pendidikan, media, dan organisasi sosial. Dengan menggunakan pendekatan teori Representasi Stuart Hall, penelitian ini menganalisis bagaimana tokoh-tokoh Hadrami merepresentasikan identitas mereka secara simbolik dalam ruang sosial-politik kolonial. Metode yang digunakan adalah studi kualitatif berbasis kajian pustaka historis dan sosiologis. Hasil penelitian menunjukkan bahwa tokoh-tokoh Hadrami tidak hanya memainkan peran sebagai elite religius dan ekonomi, tetapi juga sebagai agen perubahan yang memperkuat kesadaran kolektif terhadap nasionalisme dan anti-kolonialisme. Penelitian ini mengisi celah kajian sebelumnya dengan menyoroti konstruksi identitas politik melalui strategi simbolik komunitas Hadrami pra-kemerdekaan
Islamic Business Ethics in Online Secondhand Clothing Sales: A Case Study of Fuka Project Store Based on Fiqhul Islam wa Adillatuhu
No full textTechnological developments have encouraged the rise of online thrift buying and selling practices, which are considered economical and environmentally friendly. However, this phenomenon raises ethical issues, especially related to transparency and honesty in transactions. This study aims to evaluate the suitability of the buying and selling practices carried out by the Fuka Project Store through the Shopee platform with the principles of Islamic business ethics based on the book Fiqhul Islam wa Adillatuhu by Wahbah Az-Zuhaili. This study uses a qualitative method with a literature study approach and field research through observation and interviews. The results of the study indicate that the buying and selling practices in the store have reflected several principles of Islamic ethics, such as honesty, fairness, and the use of original product photos. However, there are still shortcomings in terms of product information that is not detailed enough, and the application of the principles of responsibility and transparency is not optimal. An increase in understanding and application of Islamic business ethics values is needed so that online buying and selling practices are not only valid according to sharia but also bring blessings and public trust