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Hakikat Keharaman Riba Dalam Islam Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

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

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

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

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

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

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

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

Penerapan Manajemen Risiko Pembiayaan Qardl di Koperasi Konsumen Darul Hikam Syariah Desa Tracal Kecamatan Karanggeneng Kabupaten Lamongan Livia Suhervi; Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Qardl financing is one of outlay product in Darul Hikam Syariah Concumer Cooperative coming through capital lack problems due to many inconsiderate debtors. This subsequently triggers some suspicions about its regulations of risk management applied in qardl financing. This study is qualitative research applying descriptive analysis approach. The data are collected using techniques of observation, interview and documentation. The results reveal several findings. First, the procedure of qardl financing in Darul Hikam Syariah Consumer Cooperative is divided into four stages. They are the submission stage, the analysis stage, the disbursement stage, and the installment stage. In the disbursement stage, an administrative fee is determined based on the loan amount. Second, the qardl financing risk management analysis is not in accordance with the theory. It can be seen from the risk management process which is only carried out by means of identification, measurement, and control. There is no monitoring due to the lack of human resources (employees) in providing assistance, approach, and direct direction for borrowers. Otherwise, the monitoring is crucial in the process of minimizing the occurrence of failed businesses and experiencing bad credit settlement.

Manajemen Distribusi Dana Wakaf Produktif di BMT Mandiri Sejahtera Kantor Pusat Gresik Khurun Imroatus Sholihah; Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.581

Productive waqf is permanent property that is used in production activities. The results are distributed according to the purpose of the waqf. Waqf has dual functions, namely the function of worship and social function. This research is entitled Management of Productive Waqf Fund Distribution at BMT Mandiri Sejahtera Gresik. This qualitative research uses a descriptive analytical approach, with a research focus (1) How is the distribution management of productive waqf funds in BMT Mandiri Sejahtera Gresik? (2) How is the realization of the distribution of productive waqf funds at BMT Mandiri Sejahtera Gresik? The results figure out some points. The first is the distribution management of productive waqf funds carried out by BMT Mandiri Sejahtera Gresik, namely the distribution of cash waqf funds. It is channeled directly to the community around the BMT Mandiri Sejahtera Gresik environment by having data on the people who are entitled to it. In addition, it is channeled to the construction of mosques or prayer rooms and educational institutions by submitting proposals. The second is the realization of the distribution of productive waqf funds at BMT Mandiri Sejahtera Gresik through several programs that have all been planned to be implemented. In fact, funds resulting from the management of cash waqf are not fully distributed and there is no SOP for the management of cash waqf at BMT Mandiri Sejahtera Gresik.

Keadilan Ekonomi Islam dan Implementasinya Ahmad Ubaidillah; Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 8, No 2 (2023): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i2.713

This paper attempts to answer two questions: what is justice in Islamic economics and what is the manifestation of justice in Islamic economics. This research is library research, by using a qualitative approach which produces descriptive data in the form of written words. The data analysis technique used in this research is hermeneutics. The research results show: First, Islamic economics is based on the idea of distributive justice. The concept of justice in the Islamic economic system is distributive justice, namely treatment of someone according to the services they have performed. With distributive economic justice, everyone will get their rights according to the contribution they make, and at the same time everyone must also be free from exploitation of other people. In other words, Islamic economic justice requires a state of 'neither tyrannizing nor being wronged'. Second, the philosophical value of Islamic economic justice can be applied to various economic activities: products, distribution, consumption, finance, business, development, and so on. The practice of justice in Islamic economics can also be found in the rationality of profit and loss sharing (PLS). One of the characteristics of the Islamic economic system is the distribution of profit and loss. Stakeholders share profit and loss using a PLS system. Muá¸arabah and musyarakah are two instruments of distribution in economic activities that provide justice.

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