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MEKANISME BAGI HASIL PADA LEMBAGA KEUANGAN MIKRO SYARIAH (Studi Persepsi Nasabah Tentang Pembiayaan Bagi Hasil) Muhammad Kamal Zubair
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 5, No 1 (2011)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v5i1.41-51

Abstract

This research is intended to find customer understanding on profit sharingconcept on BMT Fauzan Adzimah in Parepare. Customer perception onprofit sharing of the BMT shows higher rank on the level of 67%. This canbe seen in some factors: level of understanding, decision on certain object,emotional engagement and behavior because of emotion and attitude.This can happen because of the people understanding and access towardfinancing system and also the promotion of BMT. The existence of BMTFauzan Adzimah through profit sharing has provide high positive outcomein community vocation in developing micro business in Parepare.
Signifikansi Modifikasi Akad dalam Transaksi Muamalah Muhammad Kamal Zubair
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (58.787 KB) | DOI: 10.18326/muqtasid.v1i2.245-257

Abstract

The existence of the contract has a crucial role in muamalah field, because there are many implications that appeared. One of them that can be an example that in Islam there is a freedom to conduct the contract by determining the condition or requirements and the form wanted voluntary and not include to the law prohibition. So, the main of contract in Islam is realised the mutual advantages among the contractors.
Akselerasi Pertumbuhan Bank Syariah di Indonesia Muhammad Kamal Zubair
Millah: Journal of Religious Studies Vol. VIII, No. 1, Agustus 2008 Pertumbuhan Ekonomi Islam di Indonesia
Publisher : Program Studi Ilmu Agama Islam Program Magister, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/millah.vol8.iss1.art1

Abstract

This paper aims to show the growth of Islamic banking industry in Indonesia. In this time, fast growth of Islamic banking industry progressively is office network side as consequence of improvement of requirement of society and enthusiasm of bank to provide service. Bank of Indonesia estimate in the this year 2008, Islamic banking industry will enjoy high growth to be compared to national banking in general. This prediction based on the finishing Law of Islamic Securities (SBSN) and Law of Islamic Bank (UUPS) and completion of Law TaxationKeywords: bank syariah, pertumbuhan, bank Indonesia 
Acceleration of the Growth of Islamic Banking in Indonesia Muhammad Kamal Zubair
Millah: Journal of Religious Studies Vol. VIII, No. 1, August 2008: English Version
Publisher : Program Studi Ilmu Agama Islam Program Magister, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This paper aims to show the growth of Islamic banking industry in Indonesia. In this time, fast growth of Islamic banking industry progressively is office network side as consequence of improvement of requirement of society and enthusiasm of bank to provide service. In 2008 Bank of Indonesia estimated that Islamic banking industry will enjoy high growth compared to national banking in general. This prediction was based on the finishing Law of Islamic Securities (SBSN) and Law of Islamic Bank (UUPS) and completion of Tax Law.Keywords: bank syariah, growth, Bank of Indonesia
Pengaruh Quality Of Work Life (Qwl) terhadap Kinerja Pegawai di Bank Danamon Syariah Makassar Syarif Al Qadri; Moh. Yasin Soumena; Muhammad Kamal Zubair
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 1 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (402.679 KB) | DOI: 10.35905/banco.v2i1.1347

Abstract

This study discusses the influence of Quality of Work Life conducted by Bank Danamon Syariah Makassar. Quality of Work Life is a management concern about how work can affect humans, organizational effectiveness and the importance of employee participation in decision making processes, especially those related to career, income and time. front of them in their work. The purpose of this research is to find out whether the effect of Quality of Work Life consisting of Rewards System, Work Environment, and Work Restructuring variables influences employee performance. And to find out the dominant variables simultaneously influencing. This research is a quantitative research with descriptive method. The data collection is done through the distribution of questionnaires. The method used to test hypotheses is to use Validity Test, Reliability Test, Normality Test, Multiple Regression Analysis, T Test, F Test, Adjusted R Square, and Double R Correlation. Linear regression test results, Y = 11,976 + 0.488 x 1 + 0.081 x 2 + 0.033 x 3, it can be concluded that the variable X1 is the Rewards System that has a value of 0.488 and has a positive and significant effect on employee performance variables (Y), variable X2, namely Environment Work with a value of 0.081 does not have a positive and significant effect on the Employee Performance variable (Y), variable X3, namely Work Restructuring, which has a value of 0.033, does not have a positive and significant effect on the employee performance variable (Y). The results of this study indicate: based on the t (partial) calculation of the reward system, the calculated value is 3.450 and the value (sig) = 0.002 is smaller than the probability value that is 0.05 or 0.002 <0.05, meaning that the dominant reward system variable has a positive and significant effect on employee performance at Bank Danamon Syariah Makassar. T-test results (partial) work environment obtained a calculated value of 0.650 and (sig) = 0.521 greater than the probability that is, 0.05 or 0.521> 0.05 means that the work environment variable does not affect the performance of employees at Bank Danamon Syariah Makassar. And the t-test results (partial) work restructuring obtained a calculated value of 0.239 and (sig) = 0.813 greater than the probability of 0.05 or 0.813> 0.05 which means the work restructuring variable has no effect on employee performance at Bank Danamon Syariah Makassar
PROSPEK PROGRAM STUDI PERBANKAN SYARIAH Muhammad Kamal Zubair
DIKTUM: Jurnal Syariah dan Hukum Vol 16 No 1 (2018): Diktum: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.039 KB) | DOI: 10.35905/diktum.v16i1.520

Abstract

Abstract: Along with the opening of Sharia Banking Courses at STAIN Parepare, there are some things that require an immediate answer problems, such as how the response of potential users graduates of the courses and how their appreciation of the opening of the courses as well as how their expectations for graduates of Sharia Banking Courses. This study aimed to obtain descriptive information about the responses and expectations of Islamic Financial Institutions in Parepare on the opening of the Sharia Banking Courses at STAIN Parepare as potential users of the graduates of Sharia Banking Courses. The results showed that the manager of Islamic Financial Institutions appreciation against the opening of Sharia Banking Courses very positive. Islamic banking and Islamic financial institutions in Parepare gave high appreciation to the opening of this course. The practitioners of Islamic financial institutions also hope Sharia Banking Courses graduates are able to master the concept of Islamic banking both in the realm of theory and practice. Abstrak: Seiring dengan pembukaan program studi Perbankan Syariah di STAIN Parepare, terdapat beberapa hal permasalahan yang memerlukan jawaban segera, diantaranya adalah bagaimanakah respon calon pengguna lulusan program studi tersebut dan bagaimanakah apresiasi mereka terhadap pembukaan Program Studi tersebut serta bagaimanakah harapan mereka terhadap lulusan Program Studi Perbankan Syariah. Penelitian ini bertujuan untuk memperoleh informasi deskriptif mengenai tanggapan dan harapan Lembaga Keuangan Syariah di Parepare terhadap pembukaan Program Studi Perbankan Syariah di STAIN Parepare sebagai calon pengguna lulusan program studi tersebut. Hasil penelitian menunjukkan bahwa sikap dan apresiasi pengelola Lembaga Keuangan Syariah terhadap pembukaan Program Studi Perbankan Syariah sangat positif sekali. Lembaga keuangan dan perbankan syariah yang ada di Parepare memberikan apresiasi yang tinggi terhadap pembukaan program studi ini. Para praktisi lembaga keuangan syariah juga berharap lulusan Program Studi Perbankan Syariah mampu menguasai konsep perbankan syariah baik pada ranah teori maupun praktek.
Analisis Etika Bisnis Islam dalam Persaingan Usaha Pabbagang di Desa Pallemeang Kabupaten Pinrang Rosmaya Rosmaya; Muhammad Ali Rusdi Bedong; Muhammad Kamal Zubair; Wahidin Wahidin
DIKTUM: Jurnal Syariah dan Hukum Vol 20 No 1 (2022): DIKTUM: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (650.635 KB) | DOI: 10.35905/diktum.v20i1.2711

Abstract

One form of business competition in Pallameang Village is the competition carried out by pabbagang. There are two dominant types of pabbagang in Pallameang Village, namely pabbagang rambo (boat chart) and pabbagang tancap (tancap chart). Both have their own characteristics as well as their own advantages. Pabbagang rambo (boat chart) more often uses the medium of boats in its operationals. Meanwhile, the pabbagang tancap (bamboo chart), is an arrangement series of bamboo in a quadrangle form that is plugged and it stands firmly on the water, where in the middle of bamboo arrangement a net is installed. The results of the study showed that the competition between fishermen in Pallameang Village is by catching fish through pabbagang tancap and pabbagang rambo. There were business competitions in different types of use of charts affects costs, as well as the results they obtain, as well as the competition that occurs on fishermen of Pallameang Village in accordance with the existing Islamic business ethics, this is based on the principles in Islamic business ethics that have been applied by pabbagang rambo and pabbagang tancap in Pallameang Village. These, based on the principles in Islamic business ethics, namely the concepts of tauhid, mandate and justice.
KEBIJAKAN REGULASI PENGELOLAAN ZAKAT PADA MASA RASULULLAH DAN PENGEMBANGANNYA DI INDONESIA Astria Dewi Astuti; Muhammad Kamal Zubair; Nasri Hamang
Indonesia Journal Of Zakat And Waqf Vol 1 No 1 (2022): Indonesia Journal Of Zakat And Waqf
Publisher : Department Of Management Zakat and Waqf

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Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengelolaan zakat masa Rasulullah dan di Indonesia. Jenis penelitian ini termasuk penelitiankepustakaan (library research). Teknik pengumpulan datanya dimulai dari membaca referensi kemudian mengklasifikasinya sehingga diperoleh kesimpulan-kesimpulan sebagai jawaban dari pertanyaan rumusan masalah. Adapun teknik analisis data yang digunakan yaitu metode komparatif. Hasil penelitian dapat dikemukakan bahwa Pengelolaan Zakat dimasa Rasulullah dilakukan secara terpusat dan ditangani langsung oleh negara, penyaluran zakat langsung didistribusikan tanpa sisa karena dimasanya banyak golongan orang yang membutuhkan zakat, ketika Rasulullah telah mengutus 25 Amil ke pelosok seluruh negara dengan perintah untuk pengumpulan sekaligus pendistribusian zakat sampai habis sebelum kembali ke Madinah, sehingga zakat yang terkumpul langsung disalurkan kepada mustahik karena banyak orang yang membutuhkan zakat dimasa tersebut.Sedangkan pengelolaan zakat di Indonesia ini pendistribusian zakat dilakukan dengan dana zakat yang telah terkumpul perlu direncanakanpendayagunaannya secara konsepsional agar dapat bermanfaat dalam pemberdayaan kelompok asnaf atau penerima zakat.
Distribusi Pendapatan Masyarakat Nelayan Pajaele Berdasarkan Ekonomi Islam Adi Wijaya Wijaya; Muhammad Kamal Zubair; Rusnaena; Andi Rio Makkulau Wahyu
Al Rikaz: Jurnal Ekonomi Syariah Vol 1 No 2 (2022): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v1i2.6420

Abstract

This research paper investigates the income distribution practices and conducts an Islamic economic analysis within the Pajalele Fishermen's Community. The study aims to explore how assets, whether privately or publicly owned, are fairly distributed to deserving recipients in alignment with Islamic economic principles, ultimately promoting societal welfare. A qualitative descriptive approach was adopted, and data was gathered through observations, interviews, and documentation. Data analysis involved data reduction, data presentation, and data verification. The research findings reveal several key insights: First, the income distribution mechanism within the Pajalele Fishermen's Community involves the sale of fish to meet daily needs, with catches being distributed to markets in the Lembang area. Moreover, fishing communities' income sources are diversified beyond marine products, encompassing other business activities. Second, the Islamic economic analysis highlights that while income distribution partially adheres to Islamic principles, there are certain aspects, particularly income derived from selling fish, that may not fully align with these principles. Nevertheless, the distribution activities demonstrate an altruistic approach and prioritize the welfare of others. Third, the mechanism of fisherman's catch distribution involves the cooperation of small boat fishermen, who pass on the catch from big boat fishermen to collectors, facilitating further distribution to fish sellers operating in the Lembang area.