Istidlal: Jurnal Ekonomi dan Hukum Islam
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Penerapan Manajemen Risiko Pembiayaan di BMT Maslahah, Cabang Pembantu Olean Situbondo
Full text linkBMT Maslahah Sub-Branch Olean in Situbondo still faces several problems and risks in providing financing to customers, because the customer intentionally does not return the financing he has obtained, even though he was able to repay the loan. This study focuses on how the applications of risk management in the financing, the causes and the solutions in BMT Maslahah Sub-Branch Olean of Situbondo. This study uses a qualitative approach with a case study strategy. Data collection is done by connecting questions with data obtained from conclusions from the interview of several persons in BMT Maslahah Sub-Branch Olean in Situbondo. The results of the study indicate that the risk of loss is the high number of problematic financing, starting from the difficulties and even payment defaults from customers caused by the loss of the ability of customers to pay installments and profit sharing to them. The effort carried out by them in saving the problematic financing is by rescheduling, reconditioning, and restructuring. They also cooperate with insurance companies to cover the losses
Pengembalian Barang Hutangan dengan Format Gotong Royong dalam Pembangunan Rumah
Full text linkIslam has taught all aspects of life, both of ritual worship and muamalah, worship which is needed to maintain the strength and harmony of human relations as servants with to Allah, while muamalah is said to be rulers of the game. It is one of the noble cultures of the Indonesian people which is always inherited and continues to be preserved from generation to generation until now, from this togetherness a tradition emerges in some societies known as "building materials". This custom has become a rooted tradition in the midst of community life including in Sumberejo Village, Banyuputih District, Situbondo Regency. Based on the results of this study, it can be seen that the practice of returning debts with the format of mutual cooperation in the construction of houses of them that are practiced in the form of debt-receivable transactions. Practices like this in fiqh are known as Qardh. The view of Islamic law on the practice of debt-debts with the format of legal cooperation because it has been based on the basis of mutual willingness and the existence of benefits that return to both parties
Hukum Islam, HAM dan Maqashidu Asy-Syari’ah: Upaya Menyatukan Jasad dan Ruh
Full text linkOne debate that will not be finished is a debate about the relationship between human rights and Islam. Even though the Cairo Declaration was established which declared human rights in Islam and also declared the efforts to transform human rights into the National Law. It does not end, especially among "conservative Muslims". There are several questions regarding that debate, they are, are human rights contradict to Islam because it is the product and agenda of the West? Or is it support to Islam? Or is it precisely the substance of Islam itself? These questions have arisen along with the strengthening of populism, identity politics, and politicization of religion (ad-din al-musayyas). This paper tries to look at human rights within the framework of maqhashidus syari'ah, because the compatibility of human rights and Islam can be seen only by this approach. Maqhashidus syari’ah here is a concept that developed over time in line with changes in human civilization. This paper assumes that there are some points where human rights and Islam can be connected, but there are also some points difficult to be connected
Strategi Toko Tradisional Kawan Kita dalam Meningkatkan Kualitas Layanan Penjualan: Perspektif Etika Bisnis Islam
Full text linkKawan Kita traditional shop apply several strategies to improve service quality of sales by providing training, education, assessment and communication pattern in the Islamic business ethics perspective. This research is a qualitative research with a descriptive approach that aims to describe strategies in improving service quality and Islamic business ethics perspective. Based on the results of the research, the strategies in improving the service quality in the Islamic business ethics perspective applied in Kawan Kita traditional shop are: human resource management is run well, based on Qur'an and Hadith. Among them is by providing training on Islamic business ethics, evaluating employees, approaching employees directly (hablum minannas), and communicating well and correctly according to Islamic law
Studi Komparatif Asuransi Shari’ah dan Konvensional
Full text linkInsurance is an institution engaged in services and helping people. In Arabic, insurance is called "Al-ta’m?n", means to provide protection. According to the National Sharia Board-Indonesian Ulama Council (DSN-MUI), shari'ah insurance is an effort to protect one another and to help one another among people or groups through investments in the form of assets or tabarru’ funds (endowment), and repayment. The essential of the Islamic insurance implementation is cooperation (ta'âwun). To maintain consistency in the implementation of sharia in the financial sector and the enhancement of the nation’s prosperity, tabarru’ funds (endowment) are considered to be the same as grants (donation) so that the funds donated cannot be canceled. There are fundamental differences between conventional insurance and shari’ah insurance because shari’ah insurance uses the principle of risk-sharing so that sharia insurance companies called the operators wouldn’t call the guarantors. Customers in sharia insurance companies called participants wouldn’t call guaranteed. Besides other differences are the contract, premium elements, ownership of fund, investment of fund, payment of claims, profit sharing, there is Sharia Supervisory Board, vision and mission, accounting methods, there is no charred fund, and there is no charge (loading)
Akad Qardl Hasan sebagai Solusi Ekonomi Kerakyatan
Full text linkQardl hasan is the treasure given by the debt provider (muqridh) to the debt recipient (muqtaridh) then to be returned to them (muqridh) according to the amount received when he has been able to pay without obligation to pay interest or other benefits, because in qardl actually there is no clause with coercion where one side does not abuse the other. Muqtaridh is only burdened with paying off debts as big as the loan within a certain period. However, muqtaridh is recommended to return the better of debts to muqridh. Because the essence of qardl hasan is to reward Allah for Islamic interests, and of course the repayment is not same as the repayment made by humans. In this case of Islamic banking represented by Bank Muamalat Indonesia has completely arranged matters relating to qardl hasan which are generally in accordance with the rules in fiqh. If qardl hasan is implemented properly and those distributions of funds can reach all levels of middle to lower class in society, so it will be the solution for the economic progress in society
Hak dan Kewajiban Istri yang Berkarier: Studi Komparatif antara Kitab ‘Uqudullujain dan Kitab Fikih Wanita Yusuf Qardhawi
Full text linkThe rights and obligations of husband and wife according the book of ‘Uqudullujain is not some different from the books of fiqh for women. It's just that the book of ‘Uqudullujjain the description of the obligations of the wife is more, with the reason that the wife is like a prisoner for her husband. Whereas the rights and obligations of a wife who have a career according to the book ‘Uqudullujain and the book of fiqh for women are the same as the rights and obligations of the wife normally. But according to the book of ‘Uqudullujain the rights of the wife can be hindered if the wife works without the permission of the husband. Whereas according to the book of Jurisprudence Women are not hindered because the husband's permission is not required, only the work must be in accordance with the feminine nature of women and permitted by the Shari'ah
Strategi Pemasaran Pembiayaan Ijarah Muntahiyah Bit-Tamlik (IMBT) terhadap Pemberdayaan Usaha Mikro Kecil Menengah
Full text linkIslamic finance institutions are often used as an alternative for the community that is not facilitated by banks, both conventional and Islamic. People tend to invest their capital and run financing in shari'ah financial institutions because administrative procedures are easy when compared to investing capital and financing in State or private banks and also because they are more reliable. The purpose of this study was to determine the marketing strategy of financing Ijarah Muntahiyah Bit-Tamlik (IMBT) and the effect of IMBT financing on the empowerment of Micro, Small and Medium Enterprises (UMKM). The location of this study was at KSPS BMT UGT Sidogiri Capem Silo Jember. This research is qualitative descriptive method. Data collection was done through interviews, observation, and documentation. The analysis was carried out by data reduction, data presentation, data collection, and triangulation. The results showed that the marketing strategy of IMBT financing applied by BMT Sidogiri Capem Silo Jember included four variables in the marketing mix, namely product strategy, promotion strategy, pricing strategy, and place strategy. Whereas the effect of IMBT financing on the empowerment of UMKM was that develops productive businesses to increase the income of small entrepreneurs and members, one of which was in the trade and agriculture sectors to facilitate the public in accessing their goods
Pengelolaan Harta Wakaf: Studi Komparasi Nahdlatul Ulama dan Muhammadiyah Kabupaten Banyuwangi
Full text linkWaqf specifically can help activities in society. However, the management of waqf of Nahdlatul Ulama and Muhammadiyah in Banyuwangi Regency is not professional because Nadzir's human resources are low. This research is a descriptive qualitative using a sociological empirical approach. The results of this research show that first, the waqf management of Nahdlatul Ulama and Muhammadiyah has categorized into Mahdhah worship (main worship), which is most of the waqf material is intended for physical development. Second, the problems of waqf management are the control system weakness and the lack of understanding and awareness of the society towards waqf. Third, efforts in waqf management must be carried out by an integrated and well-planned arrangement. Those include human resource development of Nadzhir, implementation of control and supervision system so that waqf can be managed optimally and beneficial for social interests
Transformasi Fikih Munakahat tentang Hukum Menikahi Wanita Ahli Kitab ke dalam Kompilasi Hukum Islam Pasal 40 Huruf (C)
Full text linkThere are three elements examined in this article, namely: legal transformation, Islamic law, and compilation of Islamic law. Legal transformation is a change of law from a legal system to another legal system with characteristics that are not the same so that it changes shape, nature and substance. Islamic law question is the dimension of marriage fiqh which is transferred to the Compilation of Islamic Law, with the process of national legislation. The substance of Jurisprudence about the prohibition of marrying expert women of the Book from the books of Jurisprudence became the focus of the study, then traced how the transformation process into the Compilation of Islamic Law Article 40 letter (c)