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All Journal ULUL ALBAB IQTISHODUNA DE JURE El Dinar JURISDICTIE Jurnal Hukum dan Syariah
Umrotul Khasanah
Fakultas Ekonomi UIN Maliki Malang Telepon: 08179642872 Email: umrotul_kh@Yahoo.com
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ANALISIS KINERJA BANK UMUM SYARIAH DENGAN MENGGUNAKAN PENDEKATAN ISLAMICITY PERFORMANCE INDEX (Studi pada Bank Umum Syariah Periode Tahun 2009–2013) Sebtianita, Evi; Khasanah, Umrotul
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 3, No 1 (2015): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (187.571 KB) | DOI: 10.18860/ed.v3i1.3340

Abstract

Perkembangan bank berbasis syariah di Indonesia kini sedang mengalamikemajuan yang pesat. Pertumbuhan perbankan syariah secara kuantitas telahditunjukkan dengan semakin banyaknya bank umum syariah dan unit usahasyariah yang dibuka oleh bank konvensional. Oleh karena itu sangat pentinguntuk mengetahui kinerja Bank Umum Syariah dengan menggunakan Islami-city Performance Index. Tujuan dari penelitian ini adalah untuk mengetahuikinerja Bank Umum Syariah dengan menggunakan Islamicity PerformanceIndex. Penelitian ini adalah penelitian kualitatif. Data yang digunakan dalampenelitian ini adalah data sekunder. Populasi penelitian ini adalah semuabank umum syariah di Indonesia periode 2009–2013, dengan sampel sebanyaklima bank. Penarikan sampel yang dilakukan dengan menggunakan metodepurposive sampling. Penelitian ini dengan pendekatan Islamicity PerformanceIndex yang menggunakan lima rasio yaitu profit sharing ratio, zakat perfor-mance ratio, equitable distribution ratio, directors - employees welfare ratiodan islamic income vs non islamic income. Berdasarkan hasil penelitian menun-jukkan bahwa Bank Muamalat Indonesia adalah bank terbaik menggunakanProfit Sharing Ratio. Bank Muamalat Indonesia juga merupakan bank terbaikmenggunakan zakat performance ratio. Equitable Distribution Ratio menunnjukan bahwa Bank Syariah Mandiri adalah bank terbaik. Penelitianini juga menunjukkan bahwa Bank Syariah Mandiri adalah bank terbaikdengan menggunakan Directors - Employees Welfare Ratio. Islamic Income VsNon Islamic Income menunjukkan bahwa Bank BRI Syariah adalah bankterbaik. Secara keseluruhan pendekatan Islamicity Performance Index sudahditerapkan pada kinerja Bank Umum Syariah tahun 2009–2013.
SISTEM BAGI HASIL DALAM SYARIAT ISLAM Khasanah, Umrotul
De Jure: Jurnal Hukum dan Syari'ah Vol 1, No 2: Desember 2009
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j-fsh.v1i2.332

Abstract

AbstractProfit sharing system in villages is found in Indonesian society's daily life particularly in fishing, farming and trading sectors. The system which develops within the society and which is close to Islamic economics concept has also been rooted from Indonesian culture. The implementation of profit sharing system that is used by farmers mostly refers to the value of cooperation. The success of implementing those values in aforementioned sectors due to its preaching strategy model using by Walisongo (Nine Ulama) by acculturating the culture. The  process of transforming Islam did not cause significant problem within the society that the values became the spirit for particular sectors such as fishing, farming and trading.Di dalam kehidupan masyarakat Indonesia telah ditemukan sistem bagi hasil di desa-desa khususnya di sektor usaha nelayan,  pertanian atau perdagangan. Sistem yang berkembang di kehidupan masyarakat ini yang mendekati konsep ekonomi Islam sebenarnya juga telah lama berakar dari budaya bangsa. Pelaksanaan bagi hasil yang dilaksanakan oleh para petani banyak mengacu pada nilai-nilai dalam bersyarikat. Keberhasilan proses implementasi nilai-nilai Islam ke dalam sistem nelayan, pertanian atau perdagangan ini, karena model strategi dakwah yang dilakukan oleh Wali Songo (Wali Sembilan) yang melakukan akulturasi budaya. Proses transformasi Islam ke dalam sistem nelayan, pertanian atau perdagangan nyaris tanpa menimbulkan maslah yang signifikan dalam masyarakat, dan bahkan hampir nilai-nilai tersebut bisa menjadi ruh dlam berbagai kehidupan masyarakat seperti nelayan, pertanian dan perdagangan.
Analisis Model Pengelolaan Dana Zakat di Indonesia (Kajian Kualitatif Eksistensi Badan Amil Zakat dan Lembaga Amil Zakat) Khasanah, Umrotul
ULUL ALBAB Jurnal Studi Islam Vol 6, No 1 (2005): Islamic Studies
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (711.597 KB) | DOI: 10.18860/ua.v6i1.6179

Abstract

Theoretically, poverty is a phenomenon brought about by practices of economic policy that deviates the principle of equilibrium. Islam regards the economic discipline (the use of productive resources by taking into accounts of cost efficiency and most advantages of social utilily) as part of equilibrium in social responsibility. Economic function as part of social responsibility is urgently demanded by Islam in order to achieve a harmonious equilibrium in the relationship between the haves and the haves- not. In Islam, many social responsibility mechanisms can be performed among others through zakah, infak, sedekah, wakaf, jizyah, kharaj, rikaz, ghanimah, and so forth. This thesis pays attention to the problems of zakah fund management. In this research, it was found that there are four kinds of zakah fund raisers, namely the bureaucratic model, the business model, the non-government organization model (NGO/ormas) dan the traditional model zakah fund raising agents or institutions.
IMPLEMENTASI PROFIT AND LOSS SHARING (PLS) PETANI BAWANG MERAH DITINJAU DARI KONSEP EKONOMI ISLAM Khasanah, Umrotul
IQTISHODUNA IQTISHODUNA (Vol 5, No 1
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (395.546 KB) | DOI: 10.18860/iq.v4i1.275

Abstract

The purposes of this research are to determine profit and loss sharing form that was used by red onion farmer and to explain it’s implementation according to Islamic concept. Research techniques include study approach, determination of research location, field data collection, and data analysis. Data was classified, identified, generalized, and than searched for theoretical constructions. The result of this research shows that red onion farmer did not know the term of profit and loss sharing well because they usually use “pertelonan” term. Implementation of pertelonan is dividing profit into three parts i.e. two parts for the owner of the land and one part for workers of the land. Based on syari’ah concept, this implementation is already according to Islamic law but it is not perfect yet because all process are unwritten or undocumented so if something wrong happened they have not written evidence.
STUDI DAMPAK PEMBERDAYAAN SISTEM KEUANGAN SYARIAH AL-IJARAH BAGI PELAKU UMKM Khasanah, Umrotul; Meldona, Meldona; Djakfar, Muhammad
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 8, No 2 (2020): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v8i2.8856

Abstract

Al-Ijarah's Islamic Financial System has produced strategic results. The Islamic financial system to differentiate from conventional financial systems based on interest (interest), the Islamic financial instrument is the al-ijarah (lease) system. This study aims to reveal the impact of Micro, Small, and Medium Enterprises (MSME) business actors on the Islamic financial system using the al-ijarah instrument; reveal the effect of business land managers leased to MSMEs regarding the Islamic financial system using the al-ijarah instrument. This research puts forward a qualitative descriptive research method with case studies of culinary business actors and providers of land for rent in Malang Raya, East Java. Data analysis uses a gradual approach, namely: analyzing important statements, formulating, describing, reducing data towards findings, propositions, and conclusions. The researcher, as the main instrument, performs data analysis simultaneously. Researchers prioritize observation and interviews. This research found two things: (1) Al-Ijarah business actors successfully overcame obstacles and obstacles. However, they initially applied their abilities as they were, but they could use their management skills quite well after developing. (2) The benefits for entrepreneurs who provide business / al-ijarah land leases are that they are successful in delivering strategic places, easy to reach, availability of parking spaces, and security aspects.
THE ACTUALIZATION OF ECONOMIC FIQH IN EMPOWERING THE SMALL TRADERS TO CHALLENGE ASEAN ECONOMIC COMMUNITY Khasanah, Umrotul
Jurisdictie: Jurnal Hukum dan Syariah Vol 12, No 1 (2021): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v12i1.12167

Abstract

The small traders in traditional markets have become a unique phenomenon. In actualizing the Fiqh of Economy, they should be empowered. However, in socio-economic facts, small traders often face difficulties in obtaining fund assistance from formal financial institutions. This qualitative study reveals the role of the Economic Fiqh actualization in empowering small traders in the era of ASEAN Economic Community (AEC). They still face the classic problem i.e. limited access to capital. The credit distribution from conventional financial institutions should have been accessible for small traders to increase capital. However, in fact, it is not that easy due to lack of collateral and less elastic administrative management. Interestingly, amid the unfortunate situation, Sharia Microfinance Institutions (SMI) provide capital access for small traders. SMI transforms the existing system by providing easy access without collateral and elastic administration. Since 2015, Indonesia has entered the AEC committed to realizing economic equality in the ASEAN region by prioritizing the Micro, Small and Medium Enterprises (MSMEs) sector. With easy access to capital, it will encourage people’s welfare and increase the economic growth of the community.Keberadaan pedagang kecil di dalam pasar tradisional menjadi fenomena unik. Secara aktualisasi fiqih ekonomi pedagang kecil mestinya harus diberdayakan. Namun, dalam fakta sosial-ekonomi, pedagang kecil kerap kali kesulitan mendapatkan bantuan modal dari lembaga keuangan formal. Penelitian kualitatif ini, mengungkapkan peran aktualisasi fiqih ekonomi dalam pemberdayaan ekonomi pedagang kecil di era Masyarakat Ekonomi ASEAN (MEA). Pedagang kecil masih menghadapi masalah klasik yaitu keterbatasan akses permodalan. Penyaluran kredit dari lembaga keuangan konvensional, yang mestinya dapat diakses pedagang kecil untuk menambah modal, namun tak bisa diakses karena ketiadaan agunan dan pengelolaan administrasi yang kurang elastis. Menariknya, di tengah persoalan yang menghimpit para pedagang kecil, Lembaga Keuangan Mikro Syariah (LKMS) memberi akses pedagang kecil untuk mendapatkan modal. LKMS mentransformasi sistem yang ada, yaitu dengan memberikan kemudahan akses tanpa jaminan dan administrasi yang elastis. Sejak 2015, Indonesia telah memasuki MEA yang berkomitmen untuk mewujudkan pemerataan ekonomi di kawasan regional ASEAN dengan mengutamakan sektor Usaha Mikro Kecil Menengah (UMKM). Dengan akses permodalan yang mudah akan mendorong kesejahteraan masyarakat dan meningkatkan pertumbuhan ekonomi masyarakat.
Co-Authors Evi Sebtianita, Evi Fatmawati, Meilinda Nur Rasyida Meldona Meldona, Meldona Muhammad Djakfar