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PRINCIPLE OF UTMOST GOOD FAITH DALAM PERJANJIAN ASURANSI: Studi Asas Hukum Perjanjian Syariah Ismanto, Kuat
Episteme: Jurnal Pengembangan Ilmu Keislaman Vol 7, No 2 (2012)
Publisher : Episteme: Jurnal Pengembangan Ilmu Keislaman

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Abstract

Asuransi sebagai aktivitas bisnis diharuskan memenuhi prinsip-prinsip hukum asuransi. Salah satu prinsip yang harus dipegang teguh adalah principle of  utmost good faith, di samping prinsip yang lain. Prinsip ini berbunyi bahwa seorang tertanggung wajib memberi informasi secara jujur terhadap apa yang dipertanggungkan kepada penanggung. Dalam bisnis Islam, kejujuran merupakan prinsip yang harus dijunjung tinggi. Secara hukum, prinsip ini diatur dalam KUH Dagang. Persoalannya adalah apakah prinsip ini dianggap cukup dari sudut pandang hukum perjanjian syariah. Secara sekilas bahwa prinsip iktikad baik sempurna ini telah memenuhi asas perjanjian syariah, namun demikian tidak memiliki kriteria maksimal kejujuran. Ketiadaan kejujuran dalam bisnis asuransi akan berdampak pada batalnya perjanjian asuransi karena ada unsur cacat kehendak (‘uyub ar-ridla). Insurance as a business activity must fulfill principles of insurance law. One of the principles that must be hold on is the principle of  utmost good faith. The principle says that an endured person must honestly give information of  what should be given responsibility to the guarantor. In Islamic business, honesty is a principle that should be respected. From point of  view of  law, the principle is settled in commerce law. The problem is that whether the principle is represenative enough if it is viewed from law of  syariah agreement. At glance, the principle has fulfilled the basic of syariah agreement, however, it does not have maximum criteria of  honesty. Unavailability of honesty in insurance business will give effect of  invalidate of  insurance agreement, for there is a deformity of desire (‘uyub ar-ridla).
POTRET HUBUNGAN NASABAH BANK SYARIAH: STUDI DEMOGRAFI WILAYAH PEKALONGAN Nasrullah, Muhammad; Ismanto, Kuat; Nalim, Nalim
EQUILIBRIUM Vol 5, No 1 (2017): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v5i1.2179

Abstract

This purposes of study is to explore the demography characteristic and relationship of Islamic bank’s customers at Pekalongan residence, by collecting data from a sample of six customers’ Islamic bank. A comprehensive descriptive analysis is used to explain the findings of this study. The result show that: first, most of the customers are moeslem. Second, there is no significant difference amount between men and women customers. Third, most of Islamic banking’s customers are highly educated and have various occupations such as enterpreneurs, employees, and civil government employees. Fourth, most of customers have durable relationship with the banks in less five years and most of them only have maximum Rp 20 millions in their accounts. And they also have relationship with conventional banks. Considering this condition, Islamic banking must improve their corporal efficiency and core banking to increase their competitive advantages.
PENGELOLAAN BAITUL MAAL PADA BAITUL MAAL WA TAMWIL (BMT) DI KOTA PEKALONGAN Ismanto, Kuat
Jurnal Penelitian Vol 12 No 1: Mei 2015
Publisher : IAIN Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (154.726 KB) | DOI: 10.28918/jupe.v12i1.641

Abstract

Baitul Maal wa Tamwil (BMT) is a microfinance institution that operates based on Islamic principles (Islam). There are two main divisions of the institution, as a business base that is as Baitul Maal and as Baitul Tamwil. The first division related to social mission, namely as zakat management institutions, infaq, endowments, charity, and others, while the second division is engaged in the business (profit). This paper further review of Baitul Maal position/status at BMT, then discussed how the management of funds by the agency. Facts on the ground indicate that there is BMT has run Baitul Maal, however many do not run it.
TRANSFORMASI MASYARAKAT PETANI MRANGGEN MENUJU MASYARAKAT INDUSTRI Ismanto, Kuat; Huda, Misbahul; Maulida, Chusna
Jurnal Penelitian Vol 9 No 1: Mei 2012
Publisher : IAIN Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (143.249 KB) | DOI: 10.28918/jupe.v9i1.129

Abstract

Penelitian ini bertujuan untuk mendeskripsikan dan menganalisis (1) bagaimana pertanian masyarakat menghadapi industrialisasi yang terjadi di Mranggen, (2) bagaimana perubahan nilai-nilai sosial-religius petani, (3) apakah agama masih dianggap sebagai publik hidup dan kehidupan pribadi dalam masyarakat. Hasil adalah bahwa: pertama, industrialisasi di Mranggen dimulai sejak tahun 1995 dengan pembentukan berbagai industri. Untuk petani, industrialisasi adalah berkat karena tanahnya lebih mahal dan dia bisa pergi haji dengan menjual tanahnya. Untuk pengangguran dan perempuan, itu adalah untuk mendapatkan pekerjaan. Untuk masyarakat secara seorang pedagang baru, itu adalah kesempatan untuk menjajakan barang dagangan. untuk lokal pemerintah, itu adalah sebagai kesuksesan pembangunan ekonomi dan pendapatan daerah. Kedua, transformasi masyarakat menjadi masyarakat industri membawa perubahan di Mranggen: in infrastruktur, pembangunan perumahan, serta modernisasi pertanian, sehingga mempersempit bidang pekerja pertanian. Ketiga, nilai pertumbuhan baru di masyarakat industri, agama masih memiliki tempat suci di depan umum hidup dan kehidupan pribadi
PENGEMBANGAN SUMBER DAYA INSANI (SDI) INSTITUSI BERBASIS SYARI’AH PERSPEKTIF VIRTUAL CAPITAL Ismanto, Kuat
RELIGIA Vol 14 No 2: Oktober 2011
Publisher : IAIN Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (460.025 KB) | DOI: 10.28918/religia.v14i2.93

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Lembaga-lembaga ekonomi berbasis syari’ah diIndonesia masih memerlukan perbaikan terus-menerussehingga secara maksimal sesuai (compatible) dengan ajaranIslam, terutama terkait dengan Sumber Daya Insani-nya (SDI).Salah satu instrumen yang bisa dikembangkan untukmeningkatkan kualitas SDI-nya adalah membuka danmenerima perkembangan ilmu dan teknologi modern, sepertikonsep virtual capital dalam disiplin ilmu manajemen modern.Virtual capital adalah modal maya perusahaan yang tidakdidasarkan pada modal fisik, semisal Sumber Daya Alam(SDA). Pada saat ini, virtual capital dirujuk sebagai faktorpenyebab kesuksesan yang penting dan karenanya diperlukanpengelolaan yang baik. Wujud virtual capital dalampengelolaan institusi berbasis syariah adalah intellectualcapital, social capital, dan moral capital. Intellectual capitalterkait dengan pengetahuan dan pengalaman manusia terhadapteknologi yang digunakan. Social capital diartikan sebagaijaringan kerjasama yang didasarkan pada rasa saling percaya(trust). Social capital dalam perspektif Islam dikembangkanmelalui jalinan ‘Ukhuwah Islamiyyah’, dan berfungsimengembangkan institusi dalam pemahamannya terhadapjaringan sosial umat Islam. Moral capital adalah modal yangdimiliki SDI institusi syariah yang didasarkan pada ‘ahlak’,yang berwujud prinsip dan etika bisnis (muamalah) dalamIslam.
PENGELOLAAN LEMBAGA KEUANGAN SYARI’AH BERBASIS TOTAL QUALITY MANAGEMENT (TQM) Ismanto, Kuat
RELIGIA Vol 14 No 1: April 2011
Publisher : IAIN Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (84.111 KB) | DOI: 10.28918/religia.v14i1.35

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Salah satu persoalan yang muncul dalam pengelolaankeuangan syari’ah adalah model tata kelola (manajemen) yangdigunakan masih sama dengan manajemen lembaga keuangankonvensional pada umumnya. Oleh karena itu diperlukan inovasi dalampengelolaannya. Implementasi Total Quality Management (TQM)pada lembaga keuangan syariah diharapkan mampu meningkatkankinerja dan kualitas lembaga tersebut. Implementasi TQM padalembaga keuangan syari’ah dititikberatkan pada proses perbaikanterus-menerus dengan memegang teguh nilai-nilai syari’ah. Denganimplementasi tersebut lembaga keuangan syari’ah lebih mengedepankanmutu/kualitas daripada persoalan agama.One of the problems appearing in Islamic finance management isthat the management system used by the Islamic finance institutionsis the same as the conventional ones. Therefore, it is necessary tomake innovation in Islamic finance management. The implementationof Total Quality Management (TQM) in Islamic finance institutionsis expected be able to improve their performance and quality. Thisimplementation is focused on continuous repairing process by holdingon shari’a values. By this implementation, the Islamic financeinstitutions will focus on quality more than religious matter.
Perceptions and Reconstruction of Customers’ Trust of Baitul Maal wa Tamwil (BMT) in Pekalongan Ismanto, Kuat; Nasrullah, Mohammad; Nalim, Nalim
International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 1 JUNE 2017
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (501.085 KB) | DOI: 10.28918/ijibec.v1i1.881

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This study is aimed at investigating people’s perceptions of Baitul Maal wa Tamwil (BMT). Since its first existence, BMT has operated with full of both positive and negative dynamics. Negative perceptions and stigma are adhered to this kind of microfinance institution. Therefore, this present study is also conducted to explain well-established steps in eliminating those perceptions. For BMT, people’s trust constitutes the foremost asset to exist, particularly in the process of collecting savings from customers. This research employed a qualitative-field approach by using observation, interview, and documentation. The results of this study reveal that based on the people’s negative stigma, BMT was considered resembling a conventional financial institution applying the principle of profit sharing, in which the customers pay more. Several steps to eliminate these perceptions coped with socializing groups of people, promoting baitul maal with soft loans, carrying out a door-to-door marketing strategy, and empowering the roles of Sharia Supervisory Board (DPS).
ECONOMIC INDEPENDENCE OF PESANTREN: Nasrullah, M.; Ismanto, Kuat; Nalim, Nalim
Hunafa: Jurnal Studia Islamika Vol 15 No 2 (2018): ISLAMIC ECONOMY
Publisher : State Institute of Islamic Studies (IAIN) Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (896.632 KB) | DOI: 10.24239/jsi.v15i2.518.251-272

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Islamic boarding school or pesantren is often only considered as a conservative Islamic educational institution. In fact, Pesantren has the number of interesting aspects to be deeply apart from studying the religion. As an institution, it involves many parties. The study aims to describe the economic map of Pesantren in Pekalongan region. This research is categorized as a field research using survey. The primary data were collected through questionnaires, interviews, and observations of the 25 Pesantren in Pekalongan region. The validation of data is done through triangulation of data and sources. Pesantren which became the object of this research are Pesantren which had established for at least three years and had a business unit. Based on the description of the research's findings and discussion, it was concluded that almost all Pesantren in Pekalongan region have a business unit. The existing business unit, mostly engaged in trade. The businesses itself is oriented to meet the internal needs of religious school, especially students. Pesantren has the role in determining every type of business unit and corporate governance run by the religious schools. The governance/management of the business unit was run in a simple, not follow the rules of modern business management yet. However, Pesantren have involved students in business management. The operations results of this business unit at least have contributed in boarding operations.
MULTIPLIER EFFECTS OF PESANTREN WALINDO Ismanto, Kuat; Nasrullah, M.
Shirkah: Journal of Economics and Business Vol 4, No 3 (2019)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (630.604 KB) | DOI: 10.22515/shirkah.v4i3.272

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This study aims to investigate the multiplier effects of business run by pesantren in economic, education, and social fields. It is a field research conducted in Pesantren Walindo, Siwalan district, Pekalongan. By using qualitative approach, the data were collected through observation, interview, and documentation. The presence of the researcher was the key point in obtaining the data. The deep interview was conducted to some related parties, such as kyai, managers, and santri (students). This study reveals several findings. First, there is significant effect of developing business in Pesantren Walindo on its development and independence because it can cover 60% of operational funding without drawing fee from the santri. Second, related to the business units development, this pesantren is able to strengthen the sense of entrepreneurship in santri?s spirit. The business unit management run by the santri along with kyai and nyai build their business awareness which can be their foundation after they graduate from this pesantren. Third, regarding the social filed, the relationship between the pesantren and the society are conducted both in the form of partnership and other kinds of relationship which bears the sense of belonging of the society toward the pesantren and their trustworthy to register their children there. Keywords: pesantren, multiplier effects, pesantren business units
IDENTIFIKASI DAN STRATEGI PENURUNAN PENGANGGURAN DI KOTA PEKALONGAN Madusari, Beny Diah; Imtihanah, Sobrotul; Pratikwo, Suryo; Ismanto, Kuat
JURNAL LITBANG KOTA PEKALONGAN Vol 18 (2020)
Publisher : BAPPEDA Kota Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (366.957 KB)

Abstract

This study aimed to map and formulate a policy about unemployment in Pekalongan City, focusing on three things; the reasons of unemployment cause, people’s interest of desired work, and an unemployment reducing policy. As a research method, we carried out a qualitative descriptive and used an open questions-questionnaire as the media for a hundred respondents, spread in 4 districts; Pekalongan Utara, Selatan, Barat, and Timur (Northern, Southern, Western, and Eastern Pekalongan). And in completing the study result, we also held a Focus Group Discussion (FGD) by inviting the budgeting-interested stakeholders. The results indicated three points; (1) a type of unemployment in Pekalongan is a frictional one; a condition where the jobless workers want to earn better wages, (2) a big interest of people to be an entrepreneur based on the big income and more time. And also, they hope the local government will support them in term of their capital easily and cheaply, and (3) from FGD, it resulted a suggestion to initiate ‘a creative house’ a media to accommodate the workshops outputs, and to formulate a regulation which obligate every business in Pekalongan to involve the local workers. Keywords: Pekalongan, unemployment reduce, unemployment causes