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ANALISIS PEMAHAMAN NASABAH BNI SYARIAH TENTANG KE‘SYARIAH’AN BNI SYARIAH (Studi Kasus BNI Syariah Godean, Sleman, Yogyakarta) Shofa Rabbani
Islamic Economics Journal Vol 2, No 1 (2013)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (560.835 KB) | DOI: 10.21111/iej.v2i1.164

Abstract

Islamic banking must be based on the principles of Islamic economics framework in accordance with Islamic law. Islam forbids usury and interest, but Islam has permitted profit and loss sharing. This research aims to analyze the influence of the level of people’s understanding toward Islamic banking, usury, interest and profit and loss sharing, and to analyze the relationship of Islamic Bank Customer Savers which are also Conventional Bank Customer Savers. This research involved 51 respondents, all of whom are based on customers of BNI Sharia. The result of the study showed that the level of people’s understanding toward Islamic banking is still relatively low. Their perception of how sharia Islamic banks, usury, interest, and the profit and loss sharing are varies, most of them still do not understand and know these terms. On the other side, the relationship between Islamic Bank Customer Savers which are also Conventional Bank Customer Savers and employment status and education level is closely associated. This has an impact on the public interest to save or take financing in Islamic banks is also lower. Islamic banks which supposed to be a prominent choice for the Muslim community is still inferior to conventional bank dominance. Thus, they need to evaluade themselves forward in order to increase the number of customers. Socialization is not only done by banking practitioners in banking settings, but it may be given by dai / khatib / preachers in mosques, formal and informal meetings.
BUDIDAYA PELET SUPER MAGGOT (PESGOT) BLACK SOLDIER FLY SEBAGAI UMKM UNGGULAN DI DESA SENDANGHARJO KECAMATAN NGASEM KABUPATEN BOJONEGORO PASCA PANDEMI COVID 19 Moh. Miftahul Choiri; Shofa Robbani; Agus Setia Rega; Roudlotus Sa’adah
BHAKTI NAGORI (Jurnal Pengabdian kepada Masyarakat) Vol 2 No 1 (2022): BHAKTI NAGORI (Jurnal Pengabdian kepada Masyarakat) Juni 2022
Publisher : LPPM UNIKS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2337.154 KB) | DOI: 10.36378/bhakti_nagori.v2i1.2269

Abstract

Pandemi Covid 19 berdampak besar pada kehidupan masyarakat, baik disektor kesehatan, pendidikan, perindustrian, dan perekonomian. Pandemi Covid-19 telah menyebar di seluruh dunia di mana banyak negara terserang penyakit ini sampai menghadapi tingkat kematian dan kerugian ekonomi yang cukup tinggi. Pandemi Covid-19 juga menyebabkan peningkatan angka pengangguran. Pandemic tersebut memberikan dampak yang signifikan terhadap perekonomian masyarakat. Banyak masyarakat yang mengeluh dan terhenti aktivitasnya karena pandemi Covid-19, termasuk masyarakat desa Sendangharjo yang mayoritas mata pencahariannya adalah sebagai petani. Melihat hal itu, peneliti bermaksud memanfaatkan aset lokal yang sudah ada tapi masih awam di kalangan masyarakat desa Sendangharjo yaitu PESGOT (Pelet Super Maggot). Maggot merupakan suatu organisme yang berasal dari larva BSF dan dihasilkan pada metamorfosis fase kedua setelah fase telur dan sebelum fase pupa yang nantinya menjadi BSF dewasa. Kemudian Maggot diolah menjadi pakan ternak alternatif. Kebutuhan akan pakan pada budidaya ikan atau unggas membutuhkan pengeluaran biaya yang cukup besar. Untuk itu, budidaya PESGOT ini diharapkan mampu membuat pakan ikan secara mandiri demi menekan biaya operasional. Metode Pengabdian Masyarakat yang digunakan ialah menggunakan model pengembangan masyarakat berbasis asset atau yang lebih dikenal ABCD (Asset-Based Community Development) merupakan pendekatan yang mengarah pada pemahaman dan internalisasi asset, potensi, kekuatan, dan pendayagunaannya secara mandiri dan maksimal, ABCD ini mempunyai beberapa langkah-langkah dalam pelaksanaannya, yaitu Discovery (Pengkajian), Dream (Impian), Design (Prosedur), Define ( Pemantapan Tujuan) dan Destiny (Self Determination). Dari kelima proses itulah yang menjadi acuan dalam pelaksanaan pembudidayaan berbasis asset Kata kunci: Budidaya, PESGOT. Desa Sendangharjo
SISTEM SEWA STAN DI GO FUN BOJONEGORO PERSPEKTIF FIQH AL-MU’AMALAH Shofa Robbani
At-Tuhfah : Jurnal Studi Keislaman Vol. 9 No. 1 (2020): AT-TUHFAH: Jurnal Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

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Abstract

Go Fun Bojonegoro Theme Park is one of the biggest family playgrounds in Bojonegoro. Most tourist attractions must have a variety of products that are traded to visitors who come. The rental of the heavy food stands at Go Fun Bojonegoro has a different contract agreement with the other stands because there are additional contracts, namely profit sharing cooperation by increasing the selling price. The results of the study indicate that the practice of profit sharing between the food stand tenants and the Go Fun Bojonegoro manager has a different agreement with other booths, because the rental of food stands at Go Fun Bojonegoro has the most number of payment details. Go Fun Bojonegoro managers waive booth rental fees and replace it with a profit sharing system, namely by increasing the selling price of food by 20% of the selling price set by the tenant at a ratio of 80:20. In addition, there are three theories in the perspective of sharia economic law, namely the contract, ijarah and musyarakah. Of the three contracts, it is considered valid according to sharia economic law because they have met the requirements and harmonious agreements, ijarah and musharaka.
PEMBAURAN AKADWADI Shofa Robbani
At-Tuhfah : Jurnal Studi Keislaman Vol. 9 No. 2 (2020): AT-TUHFAH: Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

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Abstract

Currently, deposits in a Sharia Financial Institution are increasingly diverse, including at BMT NU Ngasem. There is one excellent product called education savings. There are four different practices, one of which is to use the ?savings box? program. This practice is highly recommended by means of cash waqf, this savings is known as ?Si Galis?. The results of the study indicate that the first practice is between BMT and students, the second practice is between BMT and schools where the MoU and bonuses are fully owned by the school, the third practice is between BMT and schools with MoU and the bonus is divided by 50% for schools and 50 % for students while the fourth practice is between BMT and students using the ?savings box? program and it is recommended that cash waqf be used. In addition, the first, second and third practices are in accordance with the wadi>'ah yad al-d}ama>nah theory and the concept of guardianship, both terms and conditions. The fourth practice, apart from using that theory, also uses the concept of productive waqf. In terms of fiqh, the fourth practice is also in accordance with the terms and conditions of wadi>'ah and waqaf istithma>ry.
DIFERENSIASI AL-TAWARRUQ AL-MASRAFI DAN AL-TAWARRUQ AL-FIQHI MENURUT HUKUM EKONOMI SYARIAH Shofa Robbani
At-Tuhfah : Jurnal Studi Keislaman Vol. 10 No. 1 (2021): AT-TUHFAH: Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

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Abstract

Abstract: The practice of the bai' al-tawarruq contract has existed since the era of the four mujtahids, it's just that the term bai' al-tawarruq only appeared in the Middle Ages, the first person to mention the term bai' al-tawarruq was a Hanbali scholar, Ibn Taimiyah. In the modern era, this term has been divided by the practice carried out in Islamic banks called bai' al-tawarruq al-masrafy and those carried out outside Islamic banks called bai' al-tawarruq al-fiqhi. These two types of bai' al-tawarruq contracts look the same in practice as bai' al-'inah but have differences with the involvement of third parties in the practice of bai' al-tawarruq, which is not present in bai' al-'inah. The pros and cons of Ulama against the law of bai' al-tawarruq have existed since the classical era, the majority of Ulama of the three madhhabs (Hanafi, Maliki, and Shafi'i) prohibit the practice of bai' al-tawarruq on the grounds of hailah and leads to usury, only the Hanbali madhhab is driven by Ibn Taimiyah and Ibn al-Qayyim who allowed the contract with the argument that bai' al-tawarruq was different from the forbidden bai' al-'inah contract. Meanwhile, contemporary scholars have different opinions in punishing bai' al-tawarruq al-masrafy. Referring to the results of the congress and conference decisions in Sharjah, United Arab Emirates, Bahrain, and Saudi Arabia in 1423 H. There were two opposing camps in formulating the law of bai' al-tawarruq al-masrafy. The first camp, the majority madhhabs forbids financial transactions using this contract in Islamic banks because it contains elements of usury, hailah and includes the form of bai' al-'inah. While the second camp, minority madhhabs tend to allow it for reasons of emergency and urgent need as well as to fulfill liquidity.
KOMERSIALISASI JASA BUZZER TWITTER MENURUT UNDANG-UNDANG ITE DAN HUKUM ISLAM Shofa Robbani; Ahmad Fauzi
At-Tuhfah : Jurnal Studi Keislaman Vol. 11 No. 1 (2022): AT-TUHFAH : Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

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Abstract

Twitter buzzers are individuals or groups who spread issues or rumors in the realm of Twitter social media to attract the attention of many people so that it becomes the talk of many people, more than that to influence one's mindset. Twitter buzzers are underground syndicates that are widely scattered around the time of the election, their services are needed by political contestants and their supporters to increase their popularity as well as to bring down the popularity of their political opponents by spreading opinions on Twitter, and of course, this service is paid at a price that is not cheap considering the big risks. In addition to political contestants, Twitter buzzers are also needed by business people, political parties, agencies, and even individuals to achieve their goals. According to ITE law, Twitter buzzer services are allowed if they do not contain defamation, spread false news, and spread hate speech content. Meanwhile, according to Islamic law, Twitter buzzer services are not allowed if the mu'jar 'alaih contains immorality and slander, and if it does not contain these two things then it is permitted.
STUDI ISLAM DAN MASA DEPAN ISLAM: (Telaah Pemikiran Fazlur Rahman) Shofa Robbani
At-Tuhfah : Jurnal Studi Keislaman Vol. 8 No. 1 (2019): AT-TUHFAH : Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

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Abstract

“This paper deals with Islamic studies and the future of Islam. Firstly, Fazlur Rahman considers that neo-modernists have acknowledged that Western civilization is the only alternative for the future of the world. He revealed a fact that modernity in the West, ethics, and law is able to develop as an independent discipline with secularism method. On the contrary, Islamic ethics was never developed as an independent discipline based on the systematic interpretation methodology of the Qur'an. Secondly, Rahman mentions the orthodoxy of Islamic thought on the obsolete methodology, such as qiya>s, must be reconstructed with a new methodological approach, such as mas}lah}at, so that, the elasticity of Islamic law is able to provide solutions to all contemporary problems. In addition, Rahman highlighted the impact of the hegemony of Western civilization on the mindset and lifestyle of Muslim communities that can be seen in a variety of new situations that are full of complexity. Actually, he wants to create synergy between Muslim and non-Muslim intellectuals and can work together between them. In discussing the development of Islamic intellectualism, he said that something that was desired primarily was to understand the Qur'an with the historical background and new interpretations.”
NON FUNGIBLE TOKEN SEBAGAI ASET DIGITAL DALAM PANDANGAN FIQH MUAMALAH Shofa Robbani; Ifa Khoiria Ningrum
At-Tuhfah : Jurnal Studi Keislaman Vol. 11 No. 2 (2022): AT-TUHFAH : Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

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Abstract

The phenomenon of buying and selling online continues to grow, especially in 2022, when Ghozali shocked the Indonesian people by selling 933 non-fungible token digital works for $1.5 billion on the OpenSea Online Market. But not all people respond, because everyone can sell other people's art, sell images that contain pornography, and commit fraud under the guise of investment. In Sharia economic law, on the other hand, the element of fraud and the sale of something that does not belong to him are prohibited. The mechanism of buying and selling non-fungible tokens on the OpenSea online market is discussed in this study, as well as how the law is based on Islamic economics.This type of research uses a qualitative approach by seeking direct data from parties involved in buying and selling non-fungible tokens on the Opensea online marketplaces, from journals, articles, books, and other sources. The theory of "al-mal" and "al-bai' is used to analyze this research using a qualitative deductive method. The results of the research show three mechanisms in the practice of buying and selling non-fungible tokens on the Opensea online marketplace, which include the creation, sale, and purchase of digital artwork, and most of them are carried out on the Ethereum and Polygon blockchain platforms. According to sharia economic law, when buying and selling non-fungible tokens on the Opensea online market is analyzed using the mall theory, the majority of Ulama argue that non-fungible tokens can be classified as malls, while some groups of followers of Imam Hanafi do not justify non-fungible tokens as malls because of their non-concrete nature. Meanwhile, if it is captured using the "bai' theory, the practice of buying and selling non-fungible tokens is not covered by sharia because, in practice, people can easily sell other people's digital artwork, sell images that contain pornographic elements, and are very vulnerable to involvement in non-fungible token sale scams such as forgery of digital artwork descriptions and investment scams. As for those who can avoid all these negative elements, then they are returned to the original law of bai', namely mubah.
The Currency According to Quran Shofa Robbani; Nailin Nafis
At-Tuhfah : Jurnal Studi Keislaman Vol. 12 No. 1 (2023): AT-TUHFAH : Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32665/attuhfah.v12i1.755

Abstract

This study aims to analyze the concept of currency in the Qur?an. It is descriptive research with a qualitative approach. The method used is Maudhu'i, by collecting verses based on similar khitab. Regarding currency, The Qur?an focuses on the nomenclature of the dinar (made of gold) and dirham (made of silver). Throughout the development of Islamic economics and finance, Ulama looked into the concept of currency mainly in its functions as (1) payment instruments, (2) asset measurement value, and (3) economic flow. Due to the characteristics of the dinar and dirham mediums that cannot be applied in the modern monetary system, the currency currently in use is the currency with a medium that is seen as practically viable by the government. The dinar and dirham cannot be used because of (1) the high exchange rate of gold and silver against various goods, (2) the availability of gold and silver declines over time and cannot meet the demand for currency, and (3) gold and silver are not easily portable. Therefore, the characteristics of any agreed medium for issuing currency will remain relevant from the point of view of Islamic economics and finance. The Qur'an only provides dinar or dirham as an example of currency, the main essence of which is that the Qur'an provides provisions on how to manage currency in terms of rights and obligations as well as its relation to religious goals.
BUDI DAYA TANAMAN HIDROPONIK ASMAN TOGA SEBAGAI INOVASI MEDIA TANAM RAMAH LINGKUNGAN Shofa Robbani
Al-Umron : Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2021): AL UMRON: Jurnal Pengabdian Masyarakat
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN KEPADA MASYARAKAT (LPPM) UNIVERSITAS NAHDLATUL ULAMA SUNAN GIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32665/alumron.v2i1.741

Abstract

Mayoritas masyarakat desa Ngumpakdalem kecamatan Dander kabupaten Bojonegoro masih mengandalkan bercocok tanam Asman Toga melalui media tanah di kebun, sawah mapun pekarangan rumah. Seiring berjalannya waktu, lahan tanah sebagai media tanam semakin menyempit akibat bertambahnya jumlah bangunan yang berdiri mengganti fungsi lahan cocok tanam. Hadirnya inovasi teknologi tanaman hidroponik Asman Toga (Asuhan Mandiri Taman Obat Keluarga) diharapkan mampu menjawab tantangan itu. Metode yang dipergunakan dalam pengabdian ini adalah ABCD (Asset Based Community Development) dengan memanfaatkan aset lokal berupa Kangkung dan Seledri yang melimpah di desa Ngumpakdalem. Budidaya ini penting dilakukan sebagai upaya menekan biaya operasional tapi dapat mengoptimalkan hasil panenan. Pelatihan budidaya tanaman hidroponik Asman Toga ini melibatkan beberapa mitra, yaitu pemerintah Desa Ngumpakdalem, komunitas Mpok Damira (Kelompok Dalem Mandiri Sejahtera), gerakan PKK Desa Ngumpakdalem, dan IDFoS (Institute Development of Society) Indonesia cabang Bojonegoro. Hasil pengabdian ini dapat dilihat dari meningkatnya jumlah tanaman hidroponik Asman Toga di pekarangan rumah-rumah warga, pemanfaatan botol plastik bekas dan seterofom yang dilubangi dengan tujuan untuk jalan keluar nya akar dari gelas untuk menyerap air, serta penggunaan pupuk organik sebagai penyubur tanaman hidroponik yang ramah lingkungan.