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POLIGAMI DALAM PANDANGAN MUHAMMAD SYAHRUR: Pembacaan Ulang Terhadap Makna dan Ketentuan Poligami Khozainul Ulum
Al Hikmah: Jurnal Studi Keislaman Vol. 5 No. 1 (2015): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

In Islam, polygamy is a form of justified marriage. Many Muslimscholars or mufassir have allowed a man to perform polygamous marriages.However, their thinking about the permissibility of polygamy is sued andcriticized by a group of contemporary Islamic thinkers who tend not to justify itwith the logical reasons based on their understanding of the Qur'an. One of thecontemporary Islamic thinkers who also takes into account the issue of polygamyis Muhammad Shahrur. However, his points of view about polygamy aredifferent from most other contemporary thinkers. Although the Shahrur'scharacteristics of thought could be considered post-traditionalistic, his points ofview about it are far different from the ones of most contemporary Muslimintellectuals in which they tend to forbid it with the main reason, namely theimpossibility of a man to do justice between his wives. At this point, knowingthe Shahrur's thought related to the issue of polygamy is very interesting.

DIALEK DAN BACAAN DALAM AL-QURAN: MENGURAI PERBEDAAN ANTARA SAB'AH AHRUF DAN QIRA'AH SAB'AH Khozainul Ulum
Al Hikmah: Jurnal Studi Keislaman Vol. 5 No. 2 (2015): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

As already known that the Arab nation is composed of several clans or tribes with one language, namely Arabic. Although their language is the same, each tribe has its own dialect (lahjah) that is different from each other. In fact, most of the tribes would likely be difficult to use the dialect of others.This difficulty also occurs in the utterances of the Koran which is both initially and partially revealed in the Quraishi Arabic. Therefore, in a hadiththe Prophet (PBUH) asked Gabriel to recite the Quran not just one but seventy harf, popularly known as sab'ah ahruf. In addition, there is another term that some people considered the same as sab'ah ahruf, namely qira'ah sab'ah. In this case, the raising question is that is the sab'ah ahruf the same as qira'ah sab'ah or are both different from each other.

Analisis Perkembangan Likuiditas dan Rentabilitas pada BMT Beringharjo Yogyakarta Tahun 2005-2009 Ahmad Ubaidillah; Khozainul Ulum
Al Hikmah: Jurnal Studi Keislaman Vol. 10 No. 1 (2020): AL HIKMAH
Publisher : LPPM Institut Agama Islam Al-Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1866.293 KB)

Abstract: BMT Beringharjo Yogyakarta in its operations carried out a separation between the al mal and bait at-tamwil bait so that the financial statements of the two are separated from each other. This separation is intended to prevent the mixing of the two funds, considering that in the Bait at Tamwil is a community fund that is not intended to generate profits. While bait at tamwil has a clear orientation, namely to benefit from transactions for products issued by BMT. In this case, this research views BMT as a profit-oriented business institution, so the analyzed financial statements are bait-tamwil financial statements. The financial statements analyzed are related to the liquidity and profitability of BMT Beringharjo Yogyakarta. In facing business competition, every company or BMT needs to have good management skills to be able to continue to continue their business. One important thing that BMT needs to consider is the balance between liquidity and profitability. Therefore, author is interested in analyzing the development of the BMT Beringharjo financial performance. In this study, the discussion specializes in conditions of liquidity and profitability because these two factors are the main factors that financial analysts or customers want to know about. The purpose of this research is to explain how the development of Beringharjo BMT's liquidity and profitability over five years, from 2005 to 2009.This research is a field research. Data collection using interviews, observation and documentation or financial reports. Analysis of the data used is ratio analysis to determine liquidity and profitability conditions and trend analysis to determine the development of the two conditions for five years. The results showed that the liquidity condition of BMT Beringharjo Yogyakarta is not in a good condition because on average each year the figure was too small at 61.09% below 71%, it is reinforced by the trend line that continued to decline. The average profitability ratio per year of total assets is 9.69%. A figure of that size according to PINBUK is a figure that is too low but it is due to its profitability ratio which tends to fluctuate so that the difference in the ratio rate every year is so striking. In general, the condition of profitability is predicted with an upward trend line (positive trend). The condition of the ratio of earnings to total capital in BMT Beringharjo shows symptoms of improving from year to year. This can be seen on the trend graph that continues to rise, and the estimated value is positive. The average total earnings ratio of capital is 55.77% per year. A ratio of that size is an excellent figure for profit as indicated by a score of 4, which is at the level> 25%. Keywords: liquidity, rentability, BMT Beringharjo

Pengaruh Pemberian Bonus pada Tabungan Simaster Terhadap Keputusan Nasabah Menabung Di BMT Mandiri Sejahtera Cabang Kedungpring Lamongan Atika Habibah; Khozainul Ulum
Journal of Islamic Banking Vol 2 No 2 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (247.484 KB)

Nowdays, Islamic banks compete each other to get new customers. Many new Islamic banks have risen recently. Some consider cause customers to choose the bank for saving their money. Furthermore, many factors cause customers to choose appropriate product’s bank that they really need. Bonus is a gift given by the bank for customers, as a result customer is interested and decide to choose a product called “savings of Simaster“ among other products. “savings of Simaster is the only one giving the bonus. The purpose of the study is to test the effect of bonus in “savings of Simaster” toward the decision’s customers to save their money in BMT Mandiri Sejahtera in kedungpring. Customer’s decision is as a variable dependent (Y) and bonus is as a variable independent (X). In validity test, all indicators from variable bonus (X) have result 0,222> R table. The result of variable bonus (X) is (0,878), (0,880), (0,889), (0,900), (0,896), (0,905), (0,917), (0,907), and then the result of variable the customer’s decision (Y) is (0,884), (0,875), (0,857), (0,846), (0,869), (0,860), (0,888), (0,894). The result of simple linier regression is 0,951 which positive, so that the conclusion is variable bonus (X) affects variable customer’s decision (Y).

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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