Khozainul Ulum
FAI Universitas Islam Lamongan

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PERAN PEMBIAYAAN QARDL DALAM MENINGKATKAN PENDAPATAN USAHA KECIL MENENGAH (UKM) PADA ANGGOTA BMT MANDIRI SEJAHTERA CABANG DUKUN GRESIK Reni Wulan Sari; Khozainul Ulum
Akademika Vol 15, No 1 (2021): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v15i1.517

Abstract

Financial institutions act as financial intermediary institutions. The activities of an activity agency can be in the form of raising funds by offering various schemes, channeling funds with various schemes or conducting activities to raise funds and channel funds at once. Such as LKS, BUS, UUS, AS, UPS, and BMT. BMT as a business institution that further delevops its business in the financial sector, namely savings and loans. BMT’s product saving product include saving, time deposits, while loan products include financing, BMT financing, mudlarabah financing, musyarakah financing, murabahah financing, qardl financing, and qardl al-hasan financing. This research is a qualitative research aimed to answer questions about how the role of qard contract financing in BMT Mandiri Sejahtera Branch Dukun Gresik, as well as how to analyze the role of qard financing in raising the income of small and medium enterprises (UKM) to members in BMT Mandiri Sejahtera Branch Dukun Gresik. This research method using qualitative approach. Sources of data obtained from interviews, documentation, observation. Data analysis used qualitative data analysis that was inductive with descriptive approach. The results show the role of qardl contract financing in increasing the income of small and medium enterprises (UKM) to members in BMT Mandiri Sejahtera Branch Dukun Gresik. The definition of qardl financing in BMT Mandiri Sejahtera Branch of Dukun Gresik is, the provision of this financing is for small and medium business traders (UKM) who have stalls in the shaman gresik market and increase capital for small and medium enterprises (UKM). From the interviews and observation shows that there is an increase in the efforts of members who after obtaining the financing akad qardl.
EFEKTIVITAS WAYANG SYADAT SEBAGAI MEDIA DAKWAH ISLAM DI DUSUN KEMBANGBAU PURWOKERTO NGIMBANG LAMONGAN Khozainul Ulum; Moh. Ah. Subhan ZA
Akademika Vol 13, No 01 (2019): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.462 KB) | DOI: 10.30736/adk.v13i01.139

Abstract

Wayang (puppet-shadow play) syadat is a new puppet creation that is similar to the so-called wayang suluh as a result of the modification and acculturation conducted by Walisongo. Like wayang suluh, wayang syadat is also used as a means of preaching Islamic values and teachings to the community, especially the people in Kembangbau, Purwokerto, Ngimbang, Lamongan and so on. Although the standard of the wayang syadat is the same as the one of the wayang in general, there are additional performances to the show, namely the religious sermon and prayers at the beginning of the performance. The effectiveness of the wayang syadat performance as a means of preaching Islamic teachings to the Kembangbau people because they like the tradition of "wayang". On this stand, the Islamic values inserted in any wayang syadat performance could be accepted without any coercion. Finally, they consciously apply and practice the Islamic values or teachings in their everyday lives.
MALIK IBN ANAS IBN MALIK DAN KITAB AL-MUWATHTHA’: INTRODUKSI BIOGRAFI DAN KARYA MONUMENTALNYA Khozainul Ulum
Akademika Vol 11, No 02 (2017): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v11i02.167

Abstract

Islam has an extraordinary scientific treasure from all aspects, especially during its glorious era known as the golden age. At this time, many Islamic scholarships were systematically arranged and codified in the form of books, one of which is the science of hadith. This is due to the intensity and consistency of Islamic scholars to develop their knowledge. One of the scholars who gave his attention to the hadith was Malik ibnAnasibn Malik who codified the science of his hadith in the book called al-Muwaththa ', although the codification was at the request of the Caliph Abu Ja'far al-Manshur, one of the Abbasid Caliphs with the aim of being used as legislation (qanun) during the time of the Caliphate. What is interesting from the book of al-Muwaththa' is the systematic writing in which in his book Malik ibnAnasibn Malik included the called atsar from his friends and tabi'in. In fact, in the al-Muwaththa' hadith that are considered mursal, munqathi', mu'dlal and balaghat were also found, even though Malik ibnAnasibn Malik was very thorough and selective in the selection of hadith.Keywords: Malik ibnAnasibn Malik, al-Muwaththa'.
Hakikat Keharaman Riba Dalam Islam Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (140.036 KB) | DOI: 10.30736/jesa.v1i1.9

Abstract

There is a negative assumption that arises in community with regard to economic transactions. For example, the statement "interest" and "profit-sharing" is similar, it justifies something that has become a previous habit. Whereas after having studied and researched, the economic transactions is belongings to the category of riba (usury) and society is still reluctant to get used to something right, which has not yet become a tradition. So, it is impressed that Islam does not take care of worship that do not directly relate to Allah, as obligatory (mahdoh) worship in the pillars of Islam. The question arising then is why the statement emerged from the realm of Muslims who are still reluctant to attempt to transact transactions that should be appraised with shariah paradigm? How is the danger of riba, in the world and the Hereafter? Author wants to convey thoughtfulness and perception related to economic thought developing at this time. They merely legitimize the phenomenon of conventional economics by attaching ayat and hadits although there are also alternative thoughts of genuine Islamic Economics, so easy to get caught up in usurious practice. Therefore, author is inspired to invite readers to dare to unburden, examine, and study riba (usury) and the reason of prohibition in Islam. The existence of incompatibility of Islamic economic theory with the application of contemporary economics does not mean that Islamic economics is not applicable, but it motivates us to implant Islamic economics proportionally and objectively in life. In order to analyze the problems, in this article, author uses a combination of mindset based on reality with faith, then author draws conclusion on the nature of reality of transaction, by  comparing reality with argument and opinion relating to" Does interest applied nowadays include riba and how is the danger of consuming usurious results?" Keyword: Riba, Interest, The danger of riba
ANALISIS STRATEGI PENGAWASAN PENGGUNAAN PEMBIAYAAN MODAL KERJA AKAD MUDLARABAH PADA NASABAH BMT BINA UMMAT SEJAHTERA CABANG BABAT LAMONGAN Anggie Windya Eka Putri; Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (303.866 KB) | DOI: 10.30736/jesa.v4i2.69

Abstract

The outlay of financial capital is one kind of financial budgetings used to support the investment and development of business. It also can be used by entrepreneurs to expand their enterprises and even those who intend to start running their business. In BMT Bina Ummat Sejahtera (BUS) branch of Babat Lamongan, the outlay of job financial capital applies the contract of mudlarabah. The process of applying the contract of mudarabah, however, appears certain risk and side effect toward  the members of BMT BUS branch of Babat Lamongan when the outlay is given. So, BMT BUS branch of Babat Lamongan is doing supervision and control during the process. This research aims at revealing the strategies used to supervise the application process of the outlay of job financial capital using contract mudlarabah for members of BMT BUS branch of Babat Lamongan and how the strategies of analysis control applied to analyse the application process of the outlay of job financial capital using contract mudlarabah for members of BMT BUS branch of Babat Lamongan. This research is a qualitative research. The data collection is conducted by doing interview, observation and documentation. The data analysis method used is descriptive analysis. The research findings reveal that control strategy of the use of outlay of job financial capital using contract mudlarabah in BMT BUS branch of Babat Lamongan uses two controls. They are direct and indirect control. The direct control applies the preventive and repressive control strategy. Whereas the indirect control applied to supervise and observe the installment report of members’ payment and the cash flow of the members while running their business. The strategy of analysis control to supervise the use of outlay of job financial capital using contract mudlarabah implemented in BMT BUS branch of Babat Lamongan is good enough. Keywords: Controlling, Outlay of job capital and Contract mudlarabah
Menelisik Hukum Jual Beli Kredit Melalui Kajian Tafsir Al-Quran Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 2, No 2 (2017): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (169.908 KB) | DOI: 10.30736/jesa.v2i2.26

Abstract

In fulfilling the needs, human beings tend to do various ways and always looking for ease. In the context of the fulfillment of economic needs, for example, not everyone can get easy access to be able to get the needs. The purchasing power of each person always refers to the stability of the amount of income earned every day or every month. Therefore, it is not surprising that payment system in transaction of buying and selling that try to make easy for consumer to get what is wanted, that is credit payment. In Islam, payments in credit transactions are known as nasīah. This paper will trace the arguments of the Quran that are related to the payment of sale and purchase on credit.  From the Quranic interpretation of sura al-Baqarah verse 282 and 283 above with respect to the transaction on credit, it can be summarized as follows. First, the transaction on credit in Islam is not forbidden and not makruh. In other words, it is allowed even though the price of goods sold in credit is more expensive than the price in cash. Second, in a transaction on credit, it is ordered to make record and witness to the requierments and conditions of the transaction. The purpose of these records and testimony is to safeguard the rights of each transactor and to avoid disputes in the future. In this case, ulama have difference on the form of such recording and testimonies. One side believes that the order is obligatory (wajib), and the other side thinks it sunnah. According to me, after seeing the purpose of record and testimony of the above transactions, the record and testimony in the transaction is wajib.Third, transaction made in cash (yadan bi yadin), according to the author, is also required to record and testimony. This is a form of caution, because at the moment there are many disputes in transactions that arise in the community, even though they have done the recording and testimony. Fourth, note of treaty and the receipts included in each transaction at the present have an important meaning to safeguard the rights and obligations of each party conducting the transaction. Moreover, note of treaty and receipt are a valid and concrete evidence explaining the truth of the transaction. Keywords: Credit Sale, Quranic Interpertation Approach
Rekrutmen dan Pemeliharaan (Maintenance) Karyawan Disabilitas dalam Perspektif Manajemen Sumber Daya Insani Khozainul Ulum; Mohammad Dliyaul Muflihin
JES (Jurnal Ekonomi Syariah) Vol 5, No 2 (2020): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (236.541 KB) | DOI: 10.30736/jesa.v5i2.126

Abstract

Abstract: The recruitment and maintenance of employee with disabilities should be handled by company in harmonic context. This research aims at revealing how the recruitment and maintenance for the employees with disabilities practically carried by the company. Qualitative method is applied in this research, while the data are taken from relevant literary sources under the theme of recruitment and maintenance of employees with disabilities. The data, than, are analyzed using descriptive analysis. The findings suggest several points. First, recruitment is the process of searching, recruiting, and finding the competent and reliable employee candidates to deal with certain division, even if they have such disabilities. Being selective while choosing the right candidate is really the crucial key point since all the candidates are competent, smart, responsible, reliable, and expert in their jobs. Second, after obtaining the appropriate candidate, the maintenance toward the employees with disabilities is really a must do. The maintenance can be done by settling the policy of disability, twining the relationship and consulting with organization of employee with disability, adjusting the workplace, and raising awareness of the employees. Keywords: recruitment and maintenance; employee with disability; management of human resources
Peran Pembiayaan Murabahah di BMT Mandiri Sejahtera Cabang Sugio dalam Meningkatkan Pendapatan UMKM Pasar Sugio Lamongan Nurul Syafaah; Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 7, No 1 (2022): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (316.223 KB) | DOI: 10.30736/jesa.v7i1.310

Abstract

Small and medium micro enterprises (MSMEs) has the important role in the community for expanding employment and giving economic services that spread to the community, increasing business income and achieving benefit and prosperity among others. MSMEs basically need the support of micro finance institutions which provides the funding to raise the financial asset of MSME using sharia system. This study aims at answering the question about the role of mura>bah}ah financing in BMT Mandiri Sejahtera Branch Sugio Lamongan for increasing the income of small and medium micro enterprises (MSME) of Sugio Market. This is qualitative research which is also called naturalistic research method because the research have the interview, observation, and documentation. This study uses qualitative descriptive analysis technique to analyze data which tells about mura>bah}ah financing held by BMT Mandiri Sejahtera Branch Sugio Lamongan. The findings reveal that mura>bah}ah financing in BMT Mandiri Sejahtera Branch Sugio Lamongan plays an important role in improving small and medium micro enterprises of Sugio Market.
Penyelesaian Utang Impor, Ju’alah Dan Sertifikat Bank Indonesia Syariah (SBIS) Perspektif Fatwa DSN-MUI Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 3, No 1 (2018): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.288 KB) | DOI: 10.30736/jesa.v3i1.38

Abstract

Sharia financial Institution is one of the economic supporters of Indonesia. It is evidenced by the number of Islamic financial institutions that have sprung up this year, both sharia bank and non-bank sharia financial institution. It accommodates the aspiration and need of the society. The public is given the widest opportunity to establish a bank based on sharia principles, including convert from commercial banks whose business activities are based on conventional patterns into sharia patterns. The more sharia financial institutions that emerge, the more products offered by Islamic financial institutions to customers with the level of risk that can be overcome. The writing aims to answer the formulation of problem of settlement of import debts, contract of ju’a>lah and Sharia Certificate of Bank Indonesia (SBIS) in perspective of DSN-MUI fatwa. The result of research shows that in the DSN-MUI fatwa, it is explained that the settlement of imported debt or we know as letter of credit (L/C) may use the kafa>lah contract by taking a fee. It is also explained that one of the forms of kafa>lah contract is kafa>lah bi al-ma>l which is the application of kafa>lah contract which guarantees the payment of goods or debt repayment. This guarantee may be provided by the sharia bank to its customers in return for a fee. For the settlement of import debt there are several contracts that can be used, namely the contract of h}iwa>lah bi al-ujrah, waka>lah bi al-ujrah, and kafa>lah bi al-ujrah The Sharia Certificate of Bank Indonesia which used to be wadi>’ah with Wadi>’ah Certificate of Bank Indonesia which is now changed with Sharia Certificate of Bank Indonesia uses ju’a>lah contract. In this contract, Bank Indonesia pays the repayment upon maturity of SBIS with the relevant sharia banking record having performed and achieving the objectives expected by Bank Indonesia. If the sharia banking concerned is not able to achieve the desired objectives or stipulated by Bank Indonesia in terms of monetary control based on sharia principles, the relevant sharia banking will not receive any compensation from Bank Indonesia. Keywords: Import Debt Settlement, Ju’a>lah, Sharia Certificate, Bank Indonesia, DSN-MUI Fatwa
Mengenal Asuransi Syariah Dari Sejarah, Dasar Hukum Sampai Akad Transaksi Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 2, No 1 (2017): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (329.492 KB) | DOI: 10.30736/jesa.v2i1.17

Abstract

The development of sharia-based insurance is very closely followed by people's understanding of the sharia insurance contract, the position of the parties in the sharia insurance so that each of interest group get legal protection. The legal protection is expected to provide the values of truth, order, justice and benefit both sides party. Sharia insurance or takaful is basically ta’awun agreement between insurance participant and group of people. The aim is to guarantee and protect each other in dealing with the effects of a particular event is not expected that impinge on other participants. Insurance history has existed since the time of BCE and occurs at the time of ancient Egypt that is at the discretion of the Prophet Yusuf. But the existence of Islamic insurance in Indonesia is too late. Takaful in Muslim-majority country has existed since 1979, even with the non-Muslim majority states Indonesia defeated first. For example, in Luxemburg Takaful insurance evolved since 1983. Meanwhile, in Indonesia Islamic insurance start operating in 1995. The contract of sharia insurance is implemented by combining several contracts, namely mudharabah, tabarru, wakalah and hibah in one treaty. At glance, conventional and sharia insurance will appear same. But, in fact it is different. The difference consists in the legal foundation, management, accounting systems, operations and company culture. Keywords: Sharia Insurance, Contract of Kafalah, Conventional Insurance