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THE CONCEPT OF iB HASANAH CARD UTILIZATION IN BNI SYARIAH Cahyo, Eko Nur
IJTIHAD Vol 8, No 2 (2014)
Publisher : Universitas Darussalam Gontor

Seiring berjalannya waktu kegiatan perekonomian di dunia mengalami peningkatan yang sangat tajam, kegiatan bisnis semakin lama semakin berkembang di segala sektor hal ini menyebabkan perputaran arus uang yang cepat di masyarakat. Penggunaan sistem pembayaran dengan uang dalam jumlah besar dirasakan kurang efektif dan efesien serta menimbulkan banyak resiko maka, manusia pun mencari alternatif lain untuk bisa mengimbangi laju pertumbuhan ekonomi yang tinggi.Akhirnya, lahir kartu plastik yang lebih dikenal dengan kartu kredit menggantikan fungsi uang sebagai alat pembayaran. Penggunaan kartu kredit yang dirasa lebih aman dan praktis dengan berbagai fungsinya yang semakin bertambah, menjadikan alat bayar baru ini semakin berkembang pesat, khususnya di perkotaan yang terdapat banyak tempat publik lainnya. Sebagaimana alat pembayaran modern, maka cukup dengan “menggesek” kartu untuk mendebit nilai transaksi yang diinginkan.Namun, dalam penggunaan kartu kredit Syariah tesebut masih menyisakan banyak masalah khususnya bagi kaum muslim yang belum memahaminya tentang mekanisme akad yang digunakan yaitu; kafalah, qard, wal ijarah, serta penggunaan tiga akad inipun dalam kartu kredit Syariah menimbulkan banyak masalah yang berkenaan dengan fiqh Islam.Oleh karena itu, peneliti ingin meneliti, menjelaskan dan menggambarkan konsep penggunaan iB Hasanah Card yaitu kartu kredit Syariah yang diterbitkan dari BNI Syariah, dengan adanya penelitian ini diharapkan dapat memperjelas konsep penggunaan kartu kresit Syariah khususnya yang ada di Indonesia.

Analysis Of Zakat Role in Reducing Poverty Rate Cahyo, Eko Nur
IJTIHAD Vol 9, No 1 (2015)
Publisher : Universitas Darussalam Gontor

Kemiskinan merupakan masalah besar yang pasti dirasakan oleh seluruh bangsa termasuk Indonesia. Dan kota Ponorogo di Jawa Timur salah satu diantaranya, dengan tingkat kemiskinan yang tinggi. Lembaga Amil Zakat (LAZ) Ummat Sejahtera Ponorogo adalah lembaga non organisasi tertua yang bergerak dalambidang zakat, infaq dan shodaqoh di Ponorogo. Dengan pengalaman lebih dari 11 tahun, ditambah dengan jumlah muzakki yang terus meningkat seharusnya dapat memecahkan masalah kemiskinan di Ponorogo. Meski begitu,masih banyak kita jumpai pengemis menyusuri kota. Sebuah penelitian memaparkan bahwa peran zakat dalam mengurangi kemiskinan amatlah besar. Dan pemberdayaan LAZ Ummat Sejagtera dalam mengurangi kemiskinan menjadi menarik dikaji. Melalui penyebaran sample angket berjumlah 25 orang dan merupakan para mustahiq dana zakat dalam bentuk modal kerja. Indikator kemiskinan yang dipakai adalah sesuai dengan BPSm yaitu FGT Index yang mencakup Headcount Index (P0) yang menggambarkan persentase orang miskin dalam populasi yang diteliti, Peverty Gap Index (P1) yang menggambarkan posisi mustahiq terhadap garis kemiskinan, dan Poverty Severity Index (H2) yang menggambarkan tingkat ketimpangan pendapatan antar orang miskin dalam populasi tersebut. Ditambah dengan analisa menggunakan paires sample terst pada program SPSS untuk mengetahui perbedaan pendapat sebelum dan sesudah menikah mendapatkan bantuan dalam program pemberdayaan zakat oleh LAZ Ummat Sejahtera Ponorogo.

THE TRANSACTION OFDROPSHIPPING ON THE VIEWs OF ISLAMIC ECONOMICS LAW Cahyo, Eko Nur
Ijtihad : Jurnal Hukum dan Ekonomi Islam Vol 13, No 1 (2019): IJTIHAD : Hukum dan Ekonomi
Publisher : Universitas Darussalam Gontor

This study tries to analyzethe correct sellingand purchasing transactions whichcomply with law ofIslamiceconomic and compared with the dropshipping mechanismon online business. This study was found that thetransaction by using dropshipping mechanism afterreviewing from the aspect of pillarsofselling and purchasingaccording to syariah economic law had not fulfilled therequirements, specially in terms of ma’qud alaih (objector goods transacted) so it can be concluded through twoopinions, that is dropshipping which has prohibited was thepractice of selling and purchasing under the usual dropshipmechanism, and using a salam contract scheme, while theallowable dropshipping was a dropshipping mechanism which used an intermediary or samsarah scheme, and arepresentative or wakalah scheme.

Strategi Pengembangan Wakaf Berkelanjutan dalam Sektor Pertanian: Studi Kasus di Yayasan Pemeliharaan dan Perluasan Wakaf Pondok Modern (YPPWPM) Gontor Ponorogo Cahyo, Eko Nur; Muqorobin, Ahmad
Falah: Jurnal Ekonomi Syariah Vol 4, No 2 (2019): Vol 4, No 2 Agustus 2019
Publisher : Universitas Muhammadiyah Malang

The development of endowments land in the agricultural sector is very essential because it is one of the strengthening sectors of the Indonesian economy. This study aims to identify the development of sustainable endowment strategies through the agricultural sector at Yayasan Pemeliharaan dan Perluasan Wakaf Pondok Modern (YPPWPM), Pondok Modern Darussalam Gontor Ponorogo. To identify the endowments development strategies in the agricultural sector this research is qualitative. The result shows that Yayasan Pemeliharaan dan Perluasan Wakaf Pondok Modern (YPPWPM), Pondok Modern Darussalam Gontor Ponorogo carried out three-factor systems for the sustainable development strategy. First, using the waqf land rental system. Second, the development of the management system. and thirdly, the profit-sharing system with the concept of mazara'ah. On the other hand, the results of the SWOT analysis indicate that this model is worth continuing to develop sustainable endowments so that the benefits of endowments can be fulfilled continuously.

The Role of Islamic Bank as Providers of Islamic Wealth Management in Enhancing the Potential of Waqf Funds Ismail, Nurizal; Cahyo, Eko Nur
AL- IKTISAB Journal of Islamic Economic Law Vol 1 No 1 (2017)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v1i1.2381

The purpose of this paper is to analyze the role of Islamic banks as providers ofIslamic wealth management product in relation with the enhancement of waqf funds.Theauthors use qualitative research that refers to the meanings, concepts, definitions,characteristics, metaphors, symbols and descriptions of the matter understudy by employscontent and descriptive analysis in order to get finding of the study. The data collectionis generated from Islamic sources: Qur’an, Sunnah and some Islamic literatures, andother sources such as books, journals, report documents, magazines and articles frominternet. These sources will be put in to coding and analyzed to answer the researchproblem of study. The role of Islamic wealth management is not only focusing on worldlyinvestment helping the clients’ need, but also hereafter investment. One of the instrumentsof wealth distribution that can be used for hereafter investment is waqf that helps theclients’ wealth to obtain blessing (barâkah) of Allah. By waqf, Islamic wealth managementinstrument can accomodate all models of waqf funds from cash waqf, insurance waqf,corporate waqf, etc. There are three options to of putting their wealth in waqf funds,they are: (i) family waqf, (ii) public waqf, and (iii) combination of waqf. All benefits ofthese waqf can contribute the the development of ummah. This paper is one of the veryfew conceptual studies concerning the practice of Islamic banking in implementing theproduct of wealth management for social purposes which is enhancement of waqf fundsfor the benefit of ummah.

An Analysis of Mudhrabah Contract, Profit Sharing Rate, and Grant (Hibah) of Mudharabah Influence Customer’s Interest to do Saving Case Study: Muamalat Bank, Sragen Branch in 2017 Kamaluddin, Imam; Cahyo, Eko Nur; Triani, Finis
AL- IKTISAB Journal of Islamic Economic Law Vol 2 No 1 (2018)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v2i1.2396

The purpose of this research is to analyze the influence of mudharaba contract, profitsharing rate and grant of mudharabah muthlaqah contract on customer’s interest to do savingand to ascertain how the mechanism of grant distribution on the mudharabah muthlaqahcontract in Muamalat Bank of Indonesia, branch of Sragen. The findings are that MudharabaContract, Profit Sharing Rate and Grant on the Mudharabah contract, had influenced thecustomer’s interest to do saving in Muamalat Bank. Resulted that F test had shown F point asmuch as 2,783 with significant point as much as 0,165 more than 0.05, while determinationcoefficient was shown by R2 as much as 0.093 or 9,3% had influenced on the customer’sinterest to do saving, while the 90,7% had influenced by other factor.

The Role of State on Social Justice: An Analysis from Ibn Sina’s Perpective Ismail, Nurizal; Cahyo, Eko Nur
AL- IKTISAB Journal of Islamic Economic Law Vol 2 No 1 (2018)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v2i1.2398

Every nation attempts to provide welfare for its citizen such as better economic growth,social security and better life. All economic systems either Capitalism or Socialism has thesame objective to provide welfare for its nation. In Islam, welfare lies in complete justice,mercy, welfare, and wisdom; anything that departs from justice to injustice, from mercyto harshness, from welfare to misery and from wisdom to folly has nothing to do with theShari’ah. The Islamic concept and values on welfare of the society are related to Islamiceconomic history that can be found from Qur’an and Sunnah and Islamic literatures suchas history, fiqh, philosophy, kalam, and tasawwuf. it is assumed that there are some Muslimscholars whose works are related to role of state on welfare. Therefore, the study attempts toknow the role of state on social justice derived from Ibn Sina and give some critical study onhis thought. To achieve its objectives; this study employs qualitative research that refers tothe meanings, concepts, definitions, characteristics, metaphors, symbols and descriptions ofthe matter understudy. Moreover, it is used content and descriptive analysis to get findingof the study. The data collection is generated from Islamic sources. The finding of this studyis that Ibn Sina’s thought on state role to promote social justice containts of providing law,job opportunities and social security. These roles of state can contribute to harmony, peaceand welfare of the society.

Cash Waqf Auction for The Establishment of Islamic Institution on The Perspective of Islamic Law and Positive Law (A Case Study on Trensains Islamic Institution, Sragen, 2018-2019) Shalihah, Mar’atus; Cahyo, Eko Nur
AL- IKTISAB Journal of Islamic Economic Law Vol 4 No 1 (2020)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v4i1.4351

Waqf (endowment) is one of Islamic philanthropy that offers the basics of justice and benefit. It should be managed with innovative management such as cash and productive waqf that can contribute a positive impact on the socio-economic of society. In the context of waqf fundraising, cash waqf auction is one strategy to accumulate the funding. Cash waqf auctions can be used as a supporting instrument to support and to enhance the general public need and education. Besides, waqf is not limited to the utilization as zakat, therefore the community development programs such as streamlining Islamic school can be carried out through waqf auctions funds. This study is an attempt to clarify the implementation of waqf auction to finance the establishment of an Islamic institution. Then, it discuses the concept and practice of this waqf auction on the perspective of Islamic law and positive law. The methodology used is qualitative research that is using legal sociology and critical legal analysis, data collected through field research, a document study, and in-depth interviews. The documents studied were journals, books, papers, and relevant documents for this study. The finding of research reveals that Trensains Islamic Institution is implementing a similar practice of waqf in general. The uniqueness is introducing to the community the development of the waqf system by opening a service office. In the practice of waqf, the Trensain Islamic Boarding School had previously purchased land using bank funds. While the repayment, Treansain auctioned waqf by publishing waqf certificates of 300 per meter and announced using several media. The system of waqf is carried out together. The practice of waqf in Islamic boarding schools is valid according to the provisions of Islamic law. However, based on positive law, they have not met all the requirements. The problem is that the Trensains Islamic Institution should immediately register the nadzir (manager) in the Minister of Religious Affairs and Indonesian Waqf Board.

The Overview of Sharia Principles on BSI Mobile Banking Aziz, Muhammad Abdul; Cahyo, Eko Nur; Labolo, Sultan Nanta Setia Dien
AL- IKTISAB Journal of Islamic Economic Law Vol 6 No 2 (2022)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v6i2.8683

••• English ••• Information technology that has developed so rapidly in recent years has directed the focus of large banks to digital services, including mobile banking. The internet's rapid growth is changing how companies connect with their customers, and the banking business is no exception. Of course, the concept of blessing must be prioritized by every Muslim, especially in banking institutions. This research aims to analyse the BSI Mobile application's existing mobile banking service system. In 2021, Bank Syariah Indonesia (BSI) started to merge 3 (three) Islamic commercial banks in Indonesia, at the same time, to support the development of information technology (especially in banking), BSI has also created a BSI Mobile application to facilitate transactions. This research is qualitative research with a grounded research approach and uses a qualitative descriptive analysis method. However, even though the service system in the BSI Mobile application has met customer needs and is under the basic principles of sharia, many customers or the Muslim community who have not used it do not even know the system and application. Ultimately, it will impact applications that cannot be utilized optimally. Based on the results of research that the researcher have done, the BSI mobile banking service system should emphasize the publication and socialization of BSI Mobile products with various methods, including approaches that use sharia principles because legal regulations will be applied due to threats and legal causes that occur. ••• Indonesian ••• Teknologi informasi yang berkembang begitu pesat dalam beberapa tahun terakhir telah mengarahkan fokus bank-bank besar ke layanan digital, termasuk mobile banking. Pesatnya pertumbuhan internet mengubah cara perusahaan terhubung dengan pelanggan mereka, dan bisnis perbankan tidak terkecuali. Tentunya konsep berkah harus diprioritaskan oleh setiap Muslim khususnya di lembaga perbankan. Penelitian ini bertujuan untuk menganalisis sistem layanan mobile banking yang ada pada aplikasi BSI Mobile. Pada tahun 2021, Bank Syariah Indonesia (BSI) sudah mulai menggabungkan 3 (tiga) bank umum syariah di Indonesia, sekaligus untuk mendukung perkembangan teknologi informasi khususnya di bidang perbankan, BSI juga telah membuat aplikasi BSI Mobile untuk mempermudah transaksi. Penelitian ini merupakan penelitian kualitatif dengan pendekatan grounded research, dan juga menggunakan metode analisis deskriptif kualitatif. Namun, meskipun sistem layanan pada aplikasi BSI Mobile telah memenuhi kebutuhan nasabah dan sesuai dengan prinsip dasar syariah, namun banyak dari nasabah atau masyarakat Muslim yang belum menggunakannya bahkan belum mengetahui sistem dan aplikasi tersebut. Pada akhirnya akan berdampak pada penggunaan aplikasi yang tidak dapat dimanfaatkan secara maksimal. Berdasarkan hasil penelitian yang telah peneliti lakukan, sistem layanan BSI mobile banking dapat meningkatkan publikasi dan sosialisasi produk BSI Mobile dengan berbagai metode termasuk pendekatan yang menggunakan dalil prinsil syariah, karena secara hukum peraturan akan diterapkan karena adanya ancaman dan sebab hukum yang terjadi.

Rethinking the Paradigm of Islamic Banking: Integrated of Commercial and Social Oriented Aisyah, Siti; Ismail, Nurizal; Sulaiman, Ibrahim Fahad; Cahyo, Eko Nur; Sup, Devid Frastiawan Amir
AL- IKTISAB Journal of Islamic Economic Law Vol 6 No 2 (2022)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v6i2.8844

••• English ••• The recent appraisal of Islamic Banking and Finance (IBF) development has focused on the interest based banking system. Banks role and function have been retained to create sharia compliant instruments to replace conventional banks interest based instruments. Another issue is the objective of Islamic banking to contribute to social obligation despite profit maximization. In this context, IBF institutions have been involved in debt financing oriented transactions such as murabahah instead of musyarakah and mudharabah, as they are more profitable. This research attempts to clarify Islamic banking's objective derived from Muslim scholars views and how it complies with sharia. Thus, it is necessary to rethink the paradigm of IBF that is in line with pure Islamic economics, whereas conventional banking has been shifting toward social banking. The methodology used is qualitative-descriptive-literature. The result is, several applied integrated models in IBFs, such as Social Islamic Bank Limited (SIBL), have offered Mudaraba Waqf Cash Deposit Account (MWCDA). Then sadaqa house is provided by Bank Islam Malaysia Berhad (BIMB), an integrated institution model in which Islamic banking can cooperate with other Islamic social finance such as waqf institutions in Indonesia. Finally, the research finding argues that Islamic banking's paradigm is to promote the ummah's maslahat by integrating commercial and social aspects into its operational and objective. ••• Indonesian ••• Penilaian perkembangan Islamic Banking and Finance (IBF) baru-baru ini berfokus pada sistem perbankan berbasis bunga. Peran dan fungsi bank tetap dipertahankan untuk menciptakan instrumen yang sesuai dengan syariah untuk menggantikan instrumen berbasis bunga bank konvensional. Isu lain adalah tujuan perbankan syariah untuk berkontribusi pada kewajiban sosial selain juga keuntungan maksimal. Dalam konteks ini, lembaga IBF telah terlibat dalam transaksi yang berorientasi pembiayaan hutang seperti murabahah daripada musyarakah dan mudharabah, karena lebih menguntungkan. Penelitian ini mencoba mengklarifikasi tujuan perbankan syariah yang berasal dari pandangan cendekiawan Muslim dan bagaimana kepatuhannya terhadap syariah. Dengan demikian, perlu dipikirkan kembali paradigma IBF yang sejalan dengan ekonomi Islam murni, padahal perbankan konvensional sudah bergeser ke arah social banking. Metodologi yang digunakan adalah kualitatif-deskriptif-literatur. Hasilnya, beberapa model terintegrasi yang diterapkan di IBF, seperti Social Islamic Bank Limited (SIBL), telah menawarkan Mudharabah Waqf Cash Deposit Account (MWCDA). Kemudian, rumah sedekah disediakan oleh Bank Islam Malaysia Berhad (BIMB), sebuah model lembaga terpadu dimana perbankan syariah dapat bekerja sama dengan keuangan sosial Islam lainnya seperti lembaga wakaf di Indonesia. Akhirnya, temuan penelitian ini berpendapat bahwa paradigma perbankan syariah adalah mempromosikan kemaslahatan umat dengan mengintegrasikan aspek komersial dan sosial ke dalam operasional dan tujuannya.

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