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Strategi Lembaga Keuangan Syariah Menghadapi Pembiayaan Bermasalah Di Masa Pandemi COVID-19 Abdul Ghofur; MA Syarifuddin; Abdul Majid Toyyibi; Retno Kurnianingsih
Ulumuddin : Jurnal Ilmu-ilmu Keislaman Vol 11 No 2 (2021): Ulumuddin: Jurnal Ilmu-ilmu Keislaman
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/ulumuddin.v11i2.795

Abstract

The COVID-19 pandemic period is a disease outbreak that has brought the community's economy to a drastic decline because this outbreak resulted in the cessation of the community's business wheels and not only that, the banking sector, industry and so on were affected. So that people's income decreases and also results in the fulfillment of obligations, especially in payment of financing installments at Islamic financial institutions (LKS). This research is a type of descriptive qualitative research in which researchers conduct field studies to obtain accurate information by conducting interviews, from these results data analysis and data credibility are carried out in order to get good results. This results in LKS providing leeway and not everything depends on each financial institution which has its own policy, starting from reducing the amount of installment payments.
PENDAMPINGAN PEDAGANG DALAM PRAKTEK GARANSI (KHIYAR) PADA TRANSAKSI BAI’ AL - MUSAWAMAH DI PASAR TRADISIONAL WADUNG ASRI WARU SIDOARJO Abdul Majid Toyyibi
Al-Khidmah: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 2 (2021): Februari
Publisher : LP2M Institut Agama Islam Nazhatut Thullab Sampang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (219.905 KB) | DOI: 10.35127/al-khidmah.v1i2.4444

Abstract

Khiyar adalah meminta yang terbaik dari dua pilihan yakni melanjutkan atau membatalkan transaksi jual - beli. Tujuan dilakukan pengabdian yakni untuk para pedagang Pasar Wadungasri bahwa dalam bertransaksi jual beli untuk menerapkan akad khiyar. Hal ini merupakan bagian kecil dari strategi penjualan untuk menjadikan pembeli merasakan nyaman dan puas membeli barangnya. Sehingga barang barang yang di transaksikan mempunyai nilai barokah pada income yang diperoleh penjual. Adapun metode yang dilakukan adalah ada beberapa tahap mulai pelatihan hingga pendampingan dalam praktek khiyar/garansi tersebut.
Problematika Akad Pinjaman Suka Rela Sebagai Relasi Bisnis Dalam Praktek Di Lembaga Keuangan Syariah (Studi Kasus BMT di Surabaya Utara) Abdul Majid Toyyibi; Bilal Bilal; Muhammad Fauzi
Tijarah: Jurnal Ekonomi Syariah Vol 2, No 1 (2023): Tijarah: Jurnal Ekonomi Syariah
Publisher : Tijarah: Jurnal Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/tijarah.v2i1.318

Abstract

Islamic financial institutions have dominated the various needs of the community, especially in BMT Nusantara and BMT Maslahah. Its existence is a great hope to be able to provide high benefits, especially non-profit financing so that the need for it will form a marker for the community of the importance of BMT in the midst of society. This research uses a type of field research with a descriptive qualitative approach, the research was carried out in the northern Surabaya area and collected data in the form of direct observation followed by direct interviews to the documentation needed in this study. In the end, data analysis was carried out previously by checking through the validity of the data using data trianggulation with the aim that the research obtained could be directed and could be accounted for its validity. The result of this study is that BMT Nusantara in its application is based on the rules and provisions of the Fiqh rules as its guidelines, while BMT Maslahah also makes the teachings of fiqh as its basis for meeting its requirements and validity. Furthermore, judging from the business strategy, it is more about the fulfillment of society in its needs so that the strategy does not interest the benefits but rather the taawun which is essentially recommended in Islamic law.