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<![CDATA[PENERAPAN AKAD NADZAR PADA PEMBIAYAAN QARDH (STUDI PADA KOPERASI BMT MASLAHAH JAWA TIMUR) ]]>
<![CDATA[Saifuddin Syuhri]]>;
<![CDATA[Abd Ghafur]]>
<![CDATA[ Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business ]]>
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DOI: 10.55210/arribhu.v3i1.808
<![CDATA[Introduction: Makalah ini menggunakan pendekatan analisis kualitatif dengan meninjau literatur dan mewawancarai anggota yang mendapatkan pembiayaan qard, untuk mendapatkan informasi tentang fleksibilitas dan kenyamanan akad nadzar serta menetapkan informan ahli sebagai sumber utama yaitu kepala cabang, Direktur, Direktur Utama, Pengurus dan Pengawas BMT Maslahah di 100 kantor cabang yang berkedudukan di wilayah kecamatan, kota kabupaten wilayah propinsi jawatimur. Pengurus Cabang Nahdlatul Ulama’, Pengurus Majlis Ulama’ Indonesia cabang, Pengurus syuriyah Nahdlatul Ulama’, dan beberapa tokoh masyarakat. Wawancara difokuskan pada produk pembiayaan qardh dengan menerapkan akad nadzar kepada anggotauntuk mempresentasikan pandangan para praktisi terkait penerapanakad nadzar pada pembiayaan qardh. Methods: Desain/Metodologi/pendekatan Result: Studi ini menemukan bahwa BMT Maslahah mempunyai model penerapan akad nadzar pada pembiayaan qardmemberikan pemahaman dan kemudahan serta kenyamanan pada anggota. Penerapan akad nadzar pada pembiayaan qardh adalah merupakan produk akad baru yang menjadi alternatif akadyang dapat dijelaskan dalam penelitian ini. Conclusion and suggestion: Temuan penelitian ini menambah literatur tentang penerapan akad nadzar pada pembiayaan qardh di BMTdengan memungkinkan peneliti dan praktisi untuk menelaah terhadap penerapan akad nadzar.Temuan ini juga berkontribusi untuk memperkaya pengetahuan tentang akad-akad pada BMTdan kebutuhan pembiayaan anggota. juga memberikan kontribusi pada bidang ekonomi Islam khususnya kepada Dewan Syariah Nasional Majelis Ulama Indonesia. Keywords: Akad Nadzar,Pembiayaan Qardh, BMT]]>
<![CDATA[ENTREPRENUERSHIP PERSPEKTIF ISLAM ]]>
<![CDATA[Abd. Ghafur]]>;
<![CDATA[Saifuddin Syuhri]]>
<![CDATA[ Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 3 No 1 (2022): Ar Ribhu ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business ]]>
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DOI: 10.55210/arribhu.v3i1.810
<![CDATA[Introduction: Kewirausaan berkaitan dengan tindakan pengambil risiko, petualang kreatif ke dalam bisnis baru atau orang yang menghidupakn kembali bisnis yang sudah ada. Kewiraushaan pespektif Islam merupakan sebuah komposisi dari dua konsep yang diperebutkan secara individual: islam dan kewirausahaan. Islam dalam inti minimalnya adalah pernyataan keyakinan pada Allah dan Rasulnya (Nabi Muhammad Saw). Wirausahaan adalah sseorang yang mana sering mengeksploitasi peluang melalui rekombinasi sumber daya yang ada sambil menanggung ketidakpastian dalam usahanya. Method: Metode yang digunakan dalam penelitian ini menggunakan metode kualitatif dengan model pengamatan dan wawancara langsung untuk mendapat sumber imformasi. Conclusion: Temuan dalam penelitian ini dapat di simpulkan bahwa perilaku seorang wiraushawan Muslim selalu mengikuti nilai-nilai dasar syariat Islam, dimana akan menyelaraskan antara keingainan masyarakat dan individu. Nilai tersebut meliputi adanya keadilan, tidakakan mengekspoitasi orang miskin, adanya moral tanggung jawab, akuntabilitas, serta ekuitas dalam masalah urusan keuangan. Keywords : Islam, Entrepreneur]]>
<![CDATA[STRATEGI KARYAWAN DALAM MENINGKATKAN MINAT NASABAH MENABUNG DI BMT MASLAHAH CAPEM TEGALSIWALAN ]]>
<![CDATA[Abd Ghafur]]>;
<![CDATA[Iis Nurus Shobah]]>
<![CDATA[ Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah Vol 1 No 1 (2020): Ar-Ribhu ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business ]]>
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DOI: 10.55210/arribhu.v1i1.449
<![CDATA[Baitul Maal wa Tamwil (BMT) Maslahah Capem Tegalsiwalan which is a financial institution that implements a system based on Islamic sharia. In its application it does not use the principle of interest (Riba) but instead uses the principle of profit sharing (Nisbah) so as to guarantee the halal income. The goal of every company is to create satisfied customers. So we need the right service strategy to be able to provide satisfaction to customers and maintain customers. The purpose is to find out service to customer satisfaction, it can be known the cause of customer interest to save, namely the quality of BMT services Maslahah Capem Tegalsiwalan that satisfies customers, and it is known that the Sumberbulu community positively welcomed the presence of BMT Maslahah Capem Tegalsiwalan because the services provided by BMT employees Maslahah Capem Tegalsiwalan Tegalsiwalan is very good, public appreciation is more caused by the performance of BMT employees Maslahah Capem Tegalsiwalan who are all alumni of Islamic Boarding Schools, they show a positive attitude in serving customers. In addition, savings products provided by BMT Maslahah Capem Tegalsiwalan can be taken at any time if there is an urgent need, and there is a profit sharing every month. The procedure is quite easy, it is also the reason for customers to choose to save at BMT Maslahah Capem Tegalsiwalan.]]>
<![CDATA[Al-Riba (Bunga) dalam Perspektif Sejarah & Agama ]]>
<![CDATA[Abd Ghafur]]>
<![CDATA[ Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2018): June ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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<![CDATA[Riba is not a matter of concern in Islamic society, but actually outside of Islam also take seriously problem of usury. For, usury has become a discussion among Jews, Greeks, as well as Romans and Christians.Riba in the divine religion has been declared haraam, the Jews forbade the taking of flowers. This prohibition is contained in the Old Testament (the Old Testament) as well as the Talmudic laws. In Roman and Greek societies prohibited interest in its territory. Interest at that time was strictly prohibited by strict laws. The Christian side considers that the verse contained in Luke 6: 34-35 as a verse that condemns the practice of making flowers. In the Islamic religion also strictly prohibits the practice of usury. It is contained in the Qur'an and as-Sunna.]]>
<![CDATA[Mekanisme Pasar Perspektif Islam ]]>
<![CDATA[Abd Ghafur]]>
<![CDATA[ Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2019): January ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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<![CDATA[The market is a place that has rules that are prepared to exchange property rights and exchange goods between producers and consumers. Islam affirms that the market must stand on the principle of perfect competition. However, that does not mean that freedom is absolute, but freedom is wrapped in a shari’ah frame. The market mechanism in Islam is the existence of market freedom in determining prices. Prices depend on the market. However, Islam does not adhere to market-based prices freely. Islam will intervene when there is a monopoly on the market price. the market mechanism in an Islamic perspective is not only social dimensioned, but also there is a theological element that the market is controlled and supervised by the Shari’a.]]>
<![CDATA[Konsumsi dalam Islam ]]>
<![CDATA[Abd Ghafur]]>
<![CDATA[ Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 2 No 2 (2016): June ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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<![CDATA[Consumption is essentially out something in order to meet the needs. Consumption includes purposes, pleasure and luxury. Pleasure or beauty permitted as long as not excessive. Consumption according to a Muslim is merely intermediaries to add strength to obey God, which has a positive indication in his life. Someone Muslims would not hurt himself in the world and in the Hereafter, that it allows him to obtain and fulfill its consumption at a level beyond the limit, to keep them busy chasing and enjoy the pleasures of the world so as to neglect its primary task in this life. In Islam, the purpose of consumption is not a concept but a benefit unilitas (maslahah). The maslahah attainment is the goal of al-maqa>s}idus-of shari’ah. Unilitas concept is very subjective because it contradicts the fulfillment or wants, and the concept maslahah relatively more objective because contrary to the fulfillment or needs. Maslahah filled based on rational considerations normative and positive, then there are criteria on an economic good that discount maslahah or not. As determined unility more subjective because it differs from one person to another.]]>
<![CDATA[Uang dalam Perspektif Ekonomi Islam ]]>
<![CDATA[Abd Ghafur]]>
<![CDATA[ Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 3 No 1 (2017): January ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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<![CDATA[When the number of people growing and the advance of civilization, activity, as well as the inbraclions among humans is incresing. The number and types ot human needs is also increasingly drverse. One another began to require. Then needed a medium of exchange which was then known as “Money”. After the presence of money, the mashet began to form as a meeting place for buyers and sellus to transact with each other goods and services. Initrally the fuction of money is just a medium of exchange is order to facititate the exchange of. Put, along ajth the times of money has switehed from medium of exchenge to a broader function plper. Money in Islamic economics is a flow concept, where the treasures should hot be stacked but rather owned property shall be circulated. In Islam, anything that serves as money then the fuuction ouly as a medium of exchange, not a commodity that is traded whit exchange ether on the spot or not.]]>
<![CDATA[Ekonomi Konvensional Vs Ekonomi Islam ]]>
<![CDATA[Abd Ghafur]]>
<![CDATA[ Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 3 No 2 (2017): June ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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<![CDATA[When discussing the modern economics system, usvally referring to large systems; capitalis and socialism. Capitalism is a system based on voluntary exchange in a free market. On the contray, socialism trres to unite the problems of production, consumption, and distribution through planning or cominand. On Islamic economics in relation to socialism or capitalism is not bout “wheter” Islamic economics is socralism or capitalism, bot rather to “where” it is in the spectrum, is there any diffence between the two systems. Capitalism economics system, every person is free to own property and one is free to estabilish. Manage the desired enterprise, bcause incapitalist system capital is the source of production and source of freedom. The socialist economics system of all formsof production and source of stateowned commerce, individuals are not permitted to own it. Islamic economic syitem based on the teachings and valves of Islam that the state acts as a policy maker and performs supervisory functions in order to avoid distorsion by the economiy.]]>
<![CDATA[Peran Pemerintah Dalam Ekonomi Islam ]]>
<![CDATA[Abdul Ghafur]]>;
<![CDATA[Nurul Fadila]]>
<![CDATA[ Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 6 No 1 (2020): Januari ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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<![CDATA[It is acceptable for the government play an important role in the economy. Development. For example, through public sector policy, the government plays an important role in driving economic growth. However, there seems to be debate in the business literature about whether government should play a role in de-economic development. This article expands the role of government in economic development, which is prevalent in the economic literature. If it seems that there are two opposing poles discussing whether governments should play a role in economic development, this article shows that thematic differences only talk about how many governments play a role. must play in economic development. This article explains the role of government in economic development.]]>
<![CDATA[Antropologi Ekonomi ]]>
<![CDATA[Abd Ghafur]]>
<![CDATA[ Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 8 No 1 (2022): January 2022 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam ]]>
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DOI: 10.55210/iqtishodiyah.v8i1.768
<![CDATA[ABSTRAK Antropogi ekonomi mempunyai kecenderungan yang khas dalam mengkaji masalah perekonomian banyak menaruh perhatian terhadap berbagai gejala pertukaran yang tidak melibatkan penggunaan uang sebagai mekanisme pertukaran. Antrpologi Ekonomi mempejalari bagaimana masyarakat menyediakan barang dan jasa material. Selama penyediannya orang akan berhubungan satu sama yang lain. beberpa poin yang tidak bisa lepas dari antropologi ekonomi yaitu tentang pencaharian, kerja, produksi, konsumsi, distribusi, perdagangan pasar, uang dan barter, kredit dan hutang, globalisasi, sosialisme, ekonomi moral dan rumha tangga bahkan dalam antropologi ekonomi untuk melihat struktur dan peilaku ekonomi menggunakan tiga pradigma yang berbeda Kata Kunci : Ekonomi,Antropologi]]>
