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Peran Pembiayaan Syariah Terhadap Pengembangan UMKM: Studi Pada Pengusaha Emping Melinjo di Kabupaten Pandeglang Isti Nuzulul Atiah; Najmudin Najmudin; Moh. Ainun Najib
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 4, No 1 (2020)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v4i1.8179

Abstract

The Role of Sharia Financing for the Development of MSMEs: A Study of Emping Melinjo Enterpreneurs in Pandeglang District. Islamic finance is one of the programs owned by Islamic banking to play and develop its financial assets, especially to finance the real sector such as MSMEs. The types of Islamic finance itself are diverse, ranging from mudaraba, musharaka and so on. However, an understanding of the types of Islamic financing and their uptake still tends to ocuur in urban areas that are still lagging behind, such as Pandeglang Regency are still inadequate, while the SME sector emping gums a lot and mushroomed in the area. This research uses descriptive qualitative method with Miles and Huberman data analysis models. This research is oriented to find out the type of Islamic financing that is of interest by emping melinjo enterpreneurs in Pandeglang Regency, factors that influence the choice of financing and capital management of Islamic financing by emping melinjo enterpreneurs in Pandeglang Regency. The results of this study are the types of financing provided to emping melinjo enterpreneurs in Pandeglang district, namely murabahah and qardhul hasan, factors influencing the selection of these financing are because both of the financing are considered easier and simpler, besides qardhul hasan financing is more profitable because the entrepreneur doesn’t need add margin to the lender for the principal funds lent.
Sistem Jaminan Halal: Studi Komparatif Indonesia dan Malaysia Isti Nuzulul Atiah; Ahmad Fatoni
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 3, No 2 (2019)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v3i2.6585

Abstract

Consumption of the halal product industry in Indonesia has great potential to be developed, because Indonesia is a Muslim-majority country. In recent years, the development of halal food consumption trends has increased significantly, not only in Muslim-majority countries but this is also experienced by Muslim minority countries. Halal food market demand encourages food producers to obtain halal certification from local authorities. This study aims to compare the mechanism and application of halal certification in Indonesia and Malaysia. This study uses a qualitative descriptive approach and the type of research used in this study is a literature study that collects information relevant to the research objectives. The conclusion of this study is that both Indonesia and Malaysia, both apply almost the same principles, authority and halal certification mechanism. One of them is for every producer who will propose halal certification, is required to go through a series of tests in which the test results will be submitted to the Fatwa Commission which is authorized to decide whether or not a product is halal.
Melirik Dinamika Cryptocurrency dengan Pendekatan Ushul Fiqih Prima Dwi Priyatno; Isti Nuzulul Atiah
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (294.709 KB) | DOI: 10.29040/jiei.v7i3.3590

Abstract

Cryptocurrency is a digital or virtual currency, which does not have a physical form like fiat money. This crypto currency can only be used through devices such as PCs, laptops, smartphones and other devices that connected to the internet. There are several advantages in a crypto system that uses blockchain system, such as transaction security, convenience, speed and can be used across countries and continents, however cryptocurrency which is currently circulating also still have weaknesses, including there is no supervisory authority, even many countries have disagreements over the legality of this cryptocurrency. The debate about pro and contra regarding to the use of cryptocurrency becomes dynamics among the experts including the scholars who have study from Islamic point of view. This reseach aims to examine the dynamics of using cryptocurrency from ushul fiqh point of view, where the methods which used in this research are al-qur’an, al-Hadits, Qiyas and Sad-Adzariyah. Basically the use of cryptocurrency is allowed to meet cetain conditions that is by removing batil elements as in Quran surah An-Nisa verse 29, those batil elements are gharar and mayshir. Moreover, cryptocurrency must also has clear legality in a country for security in their use.
MODEL KELEMBAGAAN PEMBERDAYAAN EKONOMI MASYARAKAT DESA MELALUI WAKAF Mohamad Ainun Najib; Najmudin Najmudin; Isti Nuzulul Atiah
Asy-Syari'ah Vol 23, No 1 (2021): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v23i1.10246

Abstract

Abstract: Economic justice in the State of Indonesia is still far from what is aspired, plus large foreign credits, causing various problems, especially poverty. Islamic economists provide a solution with waqf to answer these problems. This study aims to determine the pattern of waqf management, the waqf empowerment system for the village community's economy, as well as the waqf institutional model which is used as an instrument of economic empowerment for rural communities in Pontang sub-district, Serang district. This study uses a normative juridical scientific approach, among these approaches are the approaches taken, including: the statute approach, the concept approach, and the sociological approach. The data collected consists of primary and secondary data. The Miles and Hubermen model method was used as a data analysis method. The results of this study indicate that the pattern of waqf management in the villages of the Pontang sub-district is managed by the nazdir of the organization, namely the Mosque and Foundation Prosperity Council. Waqf-based community economic empowerment system for youth groups and farmers. The waqf institutional model is simple and carried out independently, there is no coordination between waqf managers and Badan Wakaf Indonesia (BWI) as the parent organization of waqf management. The results of this study contribute to knowledge about the concept of waqf management in rural areas, patterns of empowerment with effective waqf and in rural areas, as well as input for BWI in improving waqf governance.Abstrak: Keadilan ekonomi  di  Negara  Indonesia  masih  jauh  dari  yang   dicita-citakan, ditambah pinjaman luar negeri yang besar, menyebabkan  permasalahan kemiskinan. Para  ekonom Islam memberikan solusi dengan wakaf untuk menjawab permasalahan tersebut. Penelitian ini bertujuan untuk mengetahui pola manajemen wakaf, sistem pemberdayaan wakaf terhadap ekonomi masyarakat desa, serta model kelembagaan wakaf yang dijadikan instrumen pemberdayaan ekonomi masyarakat desa Kecamatan Pontang Kabupaten Serang. Penelitian ini menggunakan pendekatan saintifik yuridis normatif, yaitu di antara­nya adalah pendekatan perundang-undangan (statute approach), pendekatan konsep, dan pendekatan sosiologis atau empiris. Data yang dikumpulkan terdiri dari data primer dan sekunder. Metode model Miles dan Huber-men digunakan sebagai metode analisis data. Hasil penelitian ini menunjukkan bahwa pola manajemen wakaf di desa-desa Kecamatan Pontang  dikelola oleh nazdir organisasi yaitu Dewan Kemakmuran Masjid dan Yayasan. Sistem pemberdayaan ekonomi masyarakat  berbasis  wakaf  menyentuh  kelom­pok pemuda dan petani. Model kelembagaan wakaf bersifat sederhana dan dilaku­kan secara mandiri, belum ada koordinasi antara pengelola wakaf dengan Badan Wakaf Indonesia (BWI) sebagai organisasi induk pengelolaan wakaf. Hasil penelitian ini memberikan kontribusi pengetahuan tentang konsep manajemen wakaf di pedesaan, pola pemberdayaan dengan wakaf yang efektif dan efisien di pedesaan, sekaligus masukan bagi BWI dalam peningkatan tata kelola wakaf.
Penerapan Maqashid Syariah pada Mekanisme Asuransi Syariah Prima Dwi Priyatno; Lili Puspita Sari; Isti Nuzulul Atiah
Journal of Islamic Economics and Finance Studies Vol 1, No 1 (2020): JIEFeS, June 2020
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v1i1.1927

Abstract

Perbedaan pendapat tentang asuransi syariah masih menjadi perdebatan dikalangan ulama hingga saat ini, Asuransi Syariah sendiri merupakan isu kontemporer yang menjadi ikhtilaf. studi ini mencoba melihat sisi asuransi dari kaca mata maqasid syariah. Implementasi maqasid syariah pada asuransi merupakan titik temu antara tujuan ditetapkannya syariah. Perlindungan agama dalam asuransi syariah direalisasikan dalam bentuk transaksi yang dimulai dengan kontribusi dalam bentuk tabarru' (donasi). Selain hal tersebut terdapat produk asuransi haji. Usaha asuransi syariah dalam aspek perlindungan jiwa terdapat pada hal-hal yang menyebabkan terancamnya jiwa, kerusakan anggota badan yang menyebabkan kecacatan ataupun kematian seseorang. Peranan asuransi pada kemaslahatan jiwa ini lebih ditekankan pada aspek pencegahan (min nahiyyati al- ‘adam). Pada kemaslahatan akal, asuransi tidak secara spesifik melindungi. Namun, salah satu upaya manusia untuk melindungi akal ialah dengan cara menuntut ilmu. Disinilah letak asuransi memainkan perannya sebagai penyandang dana pendidikan. Contoh produk asuransi yang melindungi kemaslahatan akal adalah asuransi takaful dana siswa atau asuransi beasiswa. Dalam perlindungan terhadap keturunan, peranan asuransi lebih ditekankan pada segi adanya (min nahiyyati al- wujud) yaitu mewujudkan kemaslahatan ahli waris atau keluarga yang ditinggal. Terakhir, dalam memberikan perlindungan terhadap harta, asuransi memberikan jasa dalam penanggulangan risiko atas kerugian, kehilangan manfaat, dan tanggung jawab hukum kepada pihak ketiga yang timbul dari peristiwa yang tidak pasti. Contoh asuransi yang melindungi kemaslahatan harta adalah asuransi takaful umum, misalnya takful kebakaran
A Halal Certification and Its Effect on Sales Growth; A Case of Halal Certified Food Producers in Banten Province Isti Nuzulul Atiah; Najmudin Najmudin; Syihabudin Syihabudin
Al Qalam Vol 39 No 1 (2022): January-June 2022
Publisher : Center for Research and Community Service of UIN Sultan Maulana Hasanuddin Banten-Serang City-Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/alqalam.v39i1.6337

Abstract

The Muslim community as consumers have the right to get correct information about the food products they consume. The government's efforts to protect the rights of the Muslim community in terms of information on halal food products, namely by issuing Law no. 33 of 2014 concerning Halal Product Guarantee. Halal certification is a form of producer strategy in attracting consumers to buy their products so that it will indirectly increase sales turnover. But the facts on the ground, there are still many SMEs, especially food producers who are still elements about the added value of halal certification. This study aims to analyze the effect of halal certification on increasing sales of food producers who already have halal certificates in the province of Banten. The research method used is quantitative. Methods of data collection using a questionnaire and data processing using SPSS software version 23. Data analysis using a simple linear regression method. The results of this study indicate that halal certification has a significant positive effect on increasing sales of halal-certified food producers in the province of Banten. The contribution of the effect of halal certification to the increase in sales is 21 percent, while the rest is influenced by other variables not examined in this study.
Economic Empowerment of Underdeveloped Village Women Based on Islamic Philanthropy (Study on Members of the Women-Based Microfinance Cooperative (KKM-BP) Assisted by LAZ HARFA, Pandeglang Regency) Najmudin Najmudin; Isti Nuzulul Atiah; Elif Pardiansyah
Jurnal Studi Gender dan Anak Vol 9 No 01 (2022): Januari-Juni 2022
Publisher : Pusat Studi Gender dan Anak (PSGA) Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/jsga.v9i01.5972

Abstract

This study aims to describe the economic empowerment of disadvantaged rural women based on Islamic Philanthropy. The research method used in this research is descriptive qualitative research. The location of this research is in Kertaraharja Village, Pandeglang Regency. The population in this study were all women who were managers and members of the Women-Based Microfinance Cooperative (KKM-BP). The sample used is purposive sampling. Data collection techniques are to be carried out in the form of interviews, observation, and documentation. The analytical tool used to analyze the qualitative data in this study is QDA Miner Lite with the Miles and Huberman Model data analysis technique, which divides data analysis into three stages, namely data reduction, data supply, and conclusion drawing. The results of this study indicate that the economic empowerment of disadvantaged rural women by the Amil Zakat Harapan Dhuafa Institution (LAZ Harfa) is carried out by forming a Women-Based Microfinance Cooperative (KKM-BP), the initial capital given to KKM-BP is a grant sourced from philanthropic funds, the management of KKM-BP is carried out independently by members who are accompanied by village assistants assigned by LAZ Harfa. The establishment of the KKM-BP in the village of Kertaraharja led the women of disadvantaged villages to reach productive sources that could increase their income, fulfill their basic needs so that they were free from hunger, ignorance, and pain, and were involved in making important decisions in the development of the KKM-BP. it fits Suharto's indicators of empowerment, namely (a) fulfilling basic needs, (b) reaching productive sources that allow them to increase their income and obtain the goods and services they need, and (c) participating in development processes and decisions. -decisions that affect them.