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ANALYSIS OF THE FATWA MECHANISM OF DSN-MUI APPLICATION NO. 29 / DSN-MUI / VI / 2002 HAJJ CREDIT FINANCING IN ISLAMIC FINANCIAL INSTITUTIONS Paramita, Sinta; Ibdalsyah, Ibdalsyah; Hakiem, Hilman
AL-INFAQ AL-INFAQ | VOL. 8 NO.1 JUNE 2017
Publisher : Ibn Khaldun University, Bogor

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Abstract

 Fatwas authority on sharia economy in Indonesia is under the National Sharia Council of Majelis Ulama Indonesia (DSN-MUI). The existence of DSN-MUI outside the central bank structure makes the fatwa authority independent, more credible and nationally recognized in issuing decisions and fatwas related to sharia issues faced by banks and other Islamic financial institutions. In some sharia banks there are different practices. Especially for the management of pilgrimage involving many sectors in it how compliance with the fatwa which has been determined by the National Sharia Council. Though banks are basically not only as a place to seek profit or invest for this world alone but as a way to get closer to Allah SWT. This research will examine the application of Fatwa DSN-MUI No.29 / DSN-MUI / VI / 2002 about Hajj Credit Financing by Islamic Finance Institutions at PT. BPRS Amanah Ummah Leuwiliang Bogor. Research use qualitative approach method with type of qualitative empirical research. The results from this study are administration service of pilgrimage and hajj credit financing on cost of hajj travel in BPRS Amanah Ummah for both features and product details based on sharia is permitted in accordance with the Fatwa DSN-MUI. 29 / DSN-MUI / VI / 2002 about Hajj credit financing in Islamic financial institution. PT. BPRS Amanah Ummah is expected to seek a better system, modern and practical in packing this product. Thus, it can attract prospective customers or prospective pilgrims.
PENGARUH STRATEGI PEMASARAN PRODUK TABUNGAN IB HASANAH DENGAN AKAD WADIAH TERHADAP TINGKAT PERTUMBUHAN JUMLAH NASABAH BNI SYARIAH CABANG BOGOR Maesari, Maesari; Ibdalsyah, Ibdalsyah; Hakiem, Hilman
AL-INFAQ Vol 6, No 1 (2015)
Publisher : Ibn Khaldun University, Bogor

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Abstract

Tujuan penelitian ini adalah menganalisa apakah ada pengaruh strategi pemasaran produk tabungan iB Hasanah dengan akad wadiah terhadap tingkat pertumbuhan jumlah nasabah di BNI Syariah Cabang Bogor. Berdasarkan strategi pemasaran yang telah dilakukan BNI Syariah Cabang Bogor yaitu merekrut tenaga marketing (freelance), strategi membuka gerai (opentable), strategi kerjasama (joint to school and campus), strategi sponsor, strategi payroll penggajian. Terbukti bahwa dengan adanya strategi ini BNI Syariah Cabang Bogor mampu merealisasikan apa yang menjadi harapan pihak manajemen yaitu meningkatkan kepercayaan dan minat masyarakat kota Bogor terhadap produk-produk yang ditawarkan. Dalam penelitian ini juga ditemukan, terdapat pengaruh sangat kuat/tinggi antara strategi pemasaran produk tabungan iB hasanah dengan akad wadiah terhadap tingkat pertumbuhan jumlah nasabah.
Analisis Keterampilan Mengajar Guru dan Penanaman Nilai Positif Melalui Pemanfaatan Kebun Sekolah Salati Asmahasanah; Maemunah Sa’diyah; Ibdalsyah ibdalsyah
Sekolah Dasar: Kajian Teori dan Praktik Pendidikan Tahun 27 Nomor 2 November 2018
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (665.089 KB) | DOI: 10.17977/um009v27i22018p167

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Abstract: The purpose of this study is to describe the use of the environment as a medium that can improve teacher competence in teaching and develop creativity and independence of teachers in managing learning. This study uses qualitative descriptive method. Data collection is done through interviews, observation, and documentation studies. The object of this research is the teacher and student partner school consisting of four MIS at the foot of Mount Salak, Taman Sari District, Bogor. The results of the study show the role of universities in pedagogical improvement and teacher learning planning, school communication media as learning media can increase positive values, naturalistic intelligence, and student entrepreneurial skills by further improving the environment.Keywords: higher education, pedagogical competence, school gardenAbstrak: Tujuan penelitian ini untuk mendeskripsikan pemanfaatan lingkungan alam sebagai media yang dapat meningkatkan kompetensi guru dalam mengajar serta mengembangkan kreativitas dan kemandirian guru dalam mengelola pembelajaran. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Pengumpulan data dilakukan melalui wawancara, observasi, dan studi dokumentasi. Objek penelitian ini adalah guru dan siswa sekolah mitra yang terdiri dari empat MIS di kaki Gunung Salak Kecamatan Taman Sari Kabupaten Bogor. Hasil penelitian menunjukkan adanya peran perguruan tinggi dalam peningkatan pedagogik dan perencanaan pembelajaran guru, pemanfaatan kebun sekolah sebagai media pembelajaran dapat meningkatkan nilai positif, kecerdasan naturalistik, dan keterampilan entrepreneur siswa dengan lebih menghargai lingkungan.Kata kunci: perguruan tinggi, komptensi pedagogik, kebun sekolah
Strategi Digital Fundraising Dalam Penghimpunan Dana Zakat: Studi Kasus Lembaga Amil Zakat Global Zakat Sujanu Harto Mulyono; Qurroh Ayuniyyah; Ibdalsyah Ibdalsyah
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4346

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This study analyzes the digital fundraising strategy in collecting zakat at the Global Zakat Amil Zakat Institute. The purpose of this study is to determine the digital fundraising strategy used by LAZ Global Zakat in supporting the collection of zakat funds and to formulate a digital fundraising strategy at LAZ Global Zakat. This study uses descriptive research methods with quantitative and qualitative study approaches. A case study approach to analyzing digital fundraising strategies in collecting zakat funds using SWOT Matrix analysis (Strengths, Weaknesses, Opportunities, Threats) and IE Matrix (Internal-External Matrix) and determining strategy using Quantitative Strategic Planning Matrix (QSPM). From these results, an implementation strategy is proposed. The results of this study are the digital fundraising strategy used by LAZ Global Zakat using two methods, namely organic (unpaid) and paid (paid). Digital fundraising strategies, both organic and paid, direct muzaki or prospective muzaki to the crowdfunding platform as a direct payment medium. Meanwhile, the formulation of the digital fundraising strategy for LAZ Global Zakat is to continue to use advertisements on the crowdfunding platform to offer zakat programs, collaborate with public figures or influencers to offer a joint ZIS program, create a ZIS program based on community preferences and improve automated answering applications related to zakat consultations that work 24 hours. Keywords: strategy, digital fundraising, zaka, global zakat
Pengaruh Religiusitas, Label Halal, dan Alasan Kesehatan terhadap Keputusan Membeli Produk Makanan Instan Korea Fanika Selvianti; Ibdalsyah Ibdalsyah; Hilman Hakiem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 1 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (566.811 KB) | DOI: 10.47467/elmal.v2i1.515

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This study aims to determine the effect of religiosity, halal label, and health reasons on the decision to buy Korean instant food products. The dependent variable in the study is the purchase decision, while the independent variables are religiosity, halal label and health reasons. The data in this study were collected through questionnaires distributed to consumers who had bought and consumed Korean instant food products in Cibinong. The research method used is quantitative. The population in this study are Korean instant food product consumers, with the data collected amounting to 80 respondents. The data analysis tool used in this study uses Structural Equation Modeling (SEM) with theapproach Partial Least Square (PLS). The results of this study indicate that there is a positive and significant influence of the religiosity variable on the decision to buy Korean instant food products, while the halal label variable has a positive but not significant effect on purchasing decisions and the health reason variable has a negative and insignificant effect on the decision to buy instant food products Korea.
Implementasi Pendistribusian Zakat Produktif untuk Usaha Mikro Mustahik di Era Pandemi Covid-19 Muhammad Danuludin; Ibdalsyah Ibdalsyah; Hilman Hakiem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 2 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.071 KB) | DOI: 10.47467/elmal.v2i2.517

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Poverty and unemployment are problems that Indonesia is still facing today. The COVID-19 pandemic has had a significant impact on the national economy, including the MSME sector. Productive zakat distributed to MSMEs has the potential to help develop and form MSMEs mustahik in the era of the covid 19 pandemic. The implementation of zakat is important to see the potential of zakat in an effort to help mustahik to be more empowered to face the challenges of the times. This study aims to find out how to implement the distribution of productive zakat for mustahiq micro-enterprises during the pandemic, and to find out the obstacles faced by the Bogor City Baznas when distributing productive zakat during the pandemic. This research is a qualitative research with a qualitative descriptive approach. The data collection technique used is the interview and documentation method. Interviews were conducted with the Baznas of Bogor City as the authorized party in the distribution of zakat. The results showed that the Bogor City Baznas distributed productive zakat in the form of business capital. The productive zakat is distributed to individual and group mustahik. The Bogor Berkah program is included in the productive zakat based on taklim majlis. The maximum limit for assistance provided is Rp. 2,000,000. Recipients of productive zakat are also required to give infaq every day from the results of their efforts. Constraints faced by the Bogor City Baznas at the beginning of the pandemic were the reduced number of muzakki who distributed their zakat, limited space for monitoring, and efforts to develop MSMEs that were difficult to carry out.
Pengaruh Keuangan Inklusif dan Bank Syariah terhadap Konsumsi Nasional Indonesia Arif Rachman Hakim Rangkuti; Ibdalsyah Ibdalsyah; Abrista Devi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 2 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (373.753 KB) | DOI: 10.47467/elmal.v2i2.520

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This study aims to determine the effect of financial inclusion and Islamic Banks to national consumption in Indonesia. The Data used in this research is the second data obtained through the official website of the authority of the Islamic financial services banking statistics and data from the Central Statistical Office Data. The method used in this research is the analysis of panel data regression with the aid of Eviews 9 to obtain the processed results complete data concerning the relationship of one variable with the variable that the other. The sample of this study consists of 33 provinces in Indonesia with the time frames 2017-2020. The results of this study is that the variable financial inclusion has influence in a positive and partial to the variable of national consumption with the value of the probability of 0,0000 < 0,05. While the variables of islamic banks have influence in a positive and partial to the variable of national consumption with the value of the probability of 0,0460 < 0,05. Then for the regression simultaneously obtain the result that financial inclusion and islamic banks jointly affect the national consumption. For the coefficient of determination of the two independent variables against the national consumption by 91% while the remaining 9% is explained or influenced by other variables that are not incorporated into the model of this research.
Pengaruh Islamic Branding, Celebrity Endorser, dan Pengetahuan Produk terhadap Keputusan Pembelian Konsumen Kosmetik Wardah Nurul Luthfiani Pamungkas; Ibdalsyah Ibdalsyah; Retno Triwoelandari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 2 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (394.39 KB) | DOI: 10.47467/elmal.v2i2.539

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The increasingly fierce business competition causes producers to have a marketing strategy that can attract consumer buying interest. Cosmetic products are considered to have great potential, especially for halal cosmetic products. The concept of Islamic branding and the concept of marketing using celebrity endorsers is very attractive to consumers' buying interest. There is still a lack of consumer understanding about halal standards for a product, causing producers to have to provide clear information for the products to be sold. This study aims to determine the effect of Islamic branding, celebrity endorser and product knowledge on consumer purchasing decisions for Wardah cosmetics. The research method used is a quantitative method. The population in this study were students of the Faculty of Islamic Religion, Ibn Khaldun University, Bogor with a total sample of 88 respondents. The data analysis method used is SEM-PLS. The results showed that; 1) The Islamic branding variable has a positive but not significant effect on purchasing decisions, 2) The celebrity endorser variable and product knowledge have a positive and significant effect on purchasing decisions. Even though Wardah products already have a halal certificate and use muslimah advertising stars, they are still not enough to influence purchasing decisions. Wardah can improve marketing by adding more Islamic themes.
Pengaruh Persepsi Konsumen, Labelisasi Halal dan Citra Merek Terhadap Keputusan Pembelian Produk Herbal Skincare SR12 Ade Lia; Ibdalsyah Ibdalsyah; Hilman Hakiem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 3 No 2 (2022): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (311.485 KB) | DOI: 10.47467/elmal.v3i2.788

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This study aims to determine the effect of consumer perceptions, halal labeling and brand image on purchasing decisions, while the independent variables are consumer perceptions, halal labeling and brand image. The data in this study were collected through questionnaires distributed to consumers who had purchased and used SR12 herbal skincare products in Bogor. The research method used is quantitative. The population in this study were consumers of SR12 herbal skincare products. With the data collected amounted to 100 respondents. The data analysis tool used in this study used multiple linear regression. The results of this study indicate that the variables of consumer perception, halal labeling and brand image have a positive and significant effect on purchasing decisions for sr12 herbal skincare products. Keywords: Consumer Perception, Halal Labeling, Brand Image and Purchase Decision
Tinjauan terhadap Kualitas Pelayanan dan Inovasi Produk di Pegadaian Syariah Kota Bogor Yayik Maulani Nursantia; Ibdalsyah Ibdalsyah; Hilman Hakiem
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 3 No 4 (2022): El-Mal : Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (551.863 KB) | DOI: 10.47467/elmal.v3i4.984

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As one of the biggest financial’s institute Indonesia PT pegadaian is engages in three lines of business, that is financing gold saving ada other various type of servicing. PT. Pegadaian is one of the biggest financial’s institute that belong to government in Indonesia. Because there was lot of issues about bank’s interest in 16 December 2003, therefore arranged by the management a concept about Syariah servicing which called with Pegadaian Syariah. Pegadaian Syariah has service startegies for its consumers, without exception Pegadaian Syariah which is located in Bogor put forward this strategy too. The purpose of this research is to observe the service qualities and product innovation at Pegadaian Syariah branch Bogor. This research is a qualitative analyst which using interviews and documentations. With this method we can get direct information from Pegadaian Syariah’s employee itself about the policy and the principle are suitable or have to be improved. The result of this study indicates that in its implementation PT Pegadaian Syariah that located in Bogor has complied with the Islamic Perspective. This research results showed that the variables of servicing and innovation of product has a positive and statisfied the customer. Keywords: PT. Pegadain Syariah, Servicing Quality, Innovation of Product