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Teori Permintaan Dan Konsumsi Inter-Temporal Antara Islam Dan Konvensional Mochammad Afif
JES (Jurnal Ekonomi Syariah) Vol 2, No 2 (2017): September
Publisher : Universitas Islam Lamongan

Islamic economic view on demand and consumption is relatively equal with conventional economics, but there are limits for individual to behave economically in accordance with the rules of sharia. In Islamic economics, Islamic norms and morals, which are Islamic principles in conducting economic activities, are factors that determine an individual or society in conducting economic activities, so that Islamic economic theory is different from the theory of conventional economics. Demand is from the consumer and supply is from producer. Both of these are central to an economic problem because these two things make market work. Therefore, before looking at whether policy or event is capable of affecting the economy, we must first see the effect on demand and supply, including The object of discussion is the issue of inter-temporal consumption, that is consumption executed in two times, namely the present (first period) and the future (second period). Instruments that may affect the volume of money are allocated for consumption in either the first or second period includ: First, Zakah; the imposition of zakat in the first period 1 (Z1)) will reduce m1 allocated to C1. If there is no savings or lending in the first period, then final spending (m1 = FS = C1 +Z1) is same with m1. Second, Infaq or shadaqah; the expenditure of infaq or shadaqah in the first period will reduce the m1 allocated to C1. There is no savings or lending in the first period, then final spending equals m1. Third, rate of profit or profit sharing (rp); if in the first period there is a portion of m1 allocated in the form of savings and is invested, then the final spending the second period (FS2) equals m2 the number of m1 saved is added with the rate of profit (rp) (FS2 = m2 + (1 + rp) m1 ). Keywords: Inter-temporal, Consumption, Demand, Islam, Conventional

Solusi Penanganan Pembiayaan Bermasalah Di Bank Syariah Dalam Konteks Perundang-Undangan Republik Indonesia Mochammad Afif
JES (Jurnal Ekonomi Syariah) Vol 3, No 1 (2018): Maret
Publisher : Universitas Islam Lamongan

When the enactment of Act Number 7 of 1992 concerning banking there is another alternative form in addition to conventional banks that are known a bank based on the principle of profit sharing. Act Number 7 of 1992 concerning Banking has not yet used explicitly the term sharia bank or Islamic bank. The mention still uses the term “profit sharing principle”. There is no more detailed provision regarding banks conducting business based on sharia principles. Financing is the majority of assets of sharia banks so that the financing must be maintained with quality based on the principle of prudence. The precautionary principle is a bank management guideline that must be adopted in order to realize a sound, robust and efficient banking system in accordance with the provisions of laws and regulations. Implementation of prudential principles by sharia banks is one of which is realized in performing a financing analysis that is analyzing confidence on the willingness and ability of prospective customers of the facility receiver to repay all obligations in time, before the Sharia Bank and/or UUS channel funds to the facility receiver. This confidence is derived from a careful assessment of the time, ability, capital, collateral, and business prospects of a potential customer (character, capacity, capital, collateral, condition). The sharia bank in providing financing hopes that the financing proceeds smoothly, the customer obeys what has been agreed upon in the agreement and pays in full when it matures. However, it can occur within the financing period of non-performing financing. Efforts made by sharia bank to handle problematic financing by conducting a rescue of troubled financing with restructuring efforts if the customer still has good intentions in the sense of still willing to be invited to cooperate in efforts to save troubled financing, but if the customer has no conviction either in the sense cannot be invited in an effort to rescue non-performing financing, sharia banks will make efforts to settle non-performing financing. Keywords: Sharia Bank, Non Performing Financing, Handling Solution

ANALISIS PENERAPAN AKAD MURABAHAH DI BMT MANDIRI SEJAHTERA CABANG BABAT LAMONGAN PADA PENGEMBANGAN SEKTOR PERTANIAN DI DESA KEDUNGWARAS MODO LAMONGAN Mochammad Afif
Al Hikmah: Jurnal Studi Keislaman Vol. 11 No. 2 (2021): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

Abstract, Baitul Maal Wat Tamwil (BMT) is a micro lembaga keuangan sharia inIndonesia. As a microfinance institution, where BMT is expected to reach the smallcommunities that are not reached by the Bank. While on the other hand, theagricultural sector is one of the sectors of society that are still accessible by bankinginstitutions that exist in Indonesia. Whereas the agricultural sector is one of the pillarsof the national economy as Indonesia is an agricultural country. From the abovebackground, there were some formulation of the problem: first, how the loan productmurabahah in BMT Mandiri Sejahtera branch Babat Lamongan second, how thefinancing murabahah in developing agriculture in the village Kedungwaras ModoLamongan by BMT Mandiri Sejahtera branch Babat Lamongan.The purpose of theabove research in general is to know more details about the financing murabaha isapplied BMT Sejahtera Mandiri Branch Babat Lamongan for agriculturaldevelopment in the village Kedungwaras Modo Lamongan. This research is a fieldresearch using qualitative descriptive approach which aims to get the data from theinformant about the analysis of the application of murabahah in the development ofagriculture in the village Kedungwaras Modo Lamongan is applied from the BMTMandiri Sejahtera Branch Babat Lamongan, then researchers mendeskriptifkan to theconclusion with using the method of observation, documentation, and interviews. Thestudy concluded that BMT Mandiri Sejahtera in the village of the DistrictKedungwaras Modo Lamongan regency is one of the BMT which is in the midst of themajority community livelihood as farmers. Therefore, BMT has a loan product that isdevoted to the farmers, namely murabaha financing the seasonal period. Financingwhere repayment is done at the end of the growing season or after harvest. Inaddition, BMT Mandiri Sejahtera also undertake joint liability financing wherefinancing is channeled to Gapoktan and managed jointly with the farmers involved inthe Gapoktan. Of the financing of these farmers can feel the progress is very good.Keywords: Application Akad Murabaha, Agriculture in the village KedungwarasModo Lamongan, BMT Sejahtera Mandiri branch Babat Lamongan

DIGITALIZATION AS A MSME MARKET INTEGRATION DEVELOPMENT SERVICE (STUDY IN PATAAN VILLAGE, SAMBENG DISTRICT, LAMONGAN REGENCY) Nurul Badriyah; Mochammad Afif; Titin Titin; Rivatul Ridho
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 6, No 3 (2022): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v6i3.6488

The development of digitalization technology needs to be utilized by the public to increase productivity both in terms of production and marketing. Efforts to assist the digitalization of technology and the integration of MSME actors can increase market expansion and overall digital application knowledge. The community empowerment effort is used for digitization for market development techniques for the distribution of production and promotion of local products. The methods used in the empowerment process are mapping, data collection and Forum Group Discussion (FGD). As well as making the application center for MSME products. The result of the empowerment is the emergence of 25 food versions of MSME products that are included in the pataan store application, it is hoped that MSME actors will be able to operate digital systems to facilitate the marketing concept of online product distribution.Â

DIGITALIZATION AS A MSME MARKET INTEGRATION DEVELOPMENT SERVICE (STUDY IN PATAAN VILLAGE, SAMBENG DISTRICT, LAMONGAN REGENCY) Nurul Badriyah; Mochammad Afif; Titin Titin; Rivatul Ridho
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 6, No 3 (2022): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v6i3.6488

The development of digitalization technology needs to be utilized by the public to increase productivity both in terms of production and marketing. Efforts to assist the digitalization of technology and the integration of MSME actors can increase market expansion and overall digital application knowledge. The community empowerment effort is used for digitization for market development techniques for the distribution of production and promotion of local products. The methods used in the empowerment process are mapping, data collection and Forum Group Discussion (FGD). As well as making the application center for MSME products. The result of the empowerment is the emergence of 25 food versions of MSME products that are included in the pataan store application, it is hoped that MSME actors will be able to operate digital systems to facilitate the marketing concept of online product distribution.

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