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Jurnal Istiqro'

istiqro
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Published by Institut Agama Islam Darussalam

ISSN : 24600083 EISSN : 25993348 DOI : -

Core Subject : Economy, Education, Social,

Economics, Econometrics & Finance Social Sciences Other

Arjuna Subject : -

Articles 8 Documents

Search results for , issue "Vol 5 No 1 (2019): January 2019" : 8 Documents clear

Barokah Sebagai Karakteristik Perekonomian Islam M. Alaika Nasrulloh
Jurnal Istiqro Vol 5 No 1 (2019): January 2019
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

So many aspects of life are explained by al-hadith, including the aspects of Islamic economics. among them are about baraka or blessing of property, which are the characteristics of the Islamic economy. This type of research is a research library research, with primary data sources are hadiths that are in the al-Bukhari saheeh book and supported by secondary data sources that come from books or literature relevant to the study theme. Data collection techniques using documentation, while the analytical method using descriptive analysis of takhrij hadith which originates from the analysis of the quality of matan and the traditions of the hadith. By searching for the keyword lafadz ÙŠØ¨Ø§Ø±Ùƒ (yubarak - blessed), the hadith found related to economic barriers are: Hadith al-Bukhari index number 5960, 2910, 1338, 1379, 2545. After analyzing the sanad and matan, it is known that the Hadith with the theme of wealth blessing with index 5960 in the book of Saheeh al-Bukhari is the quality of saheeh, maqbul and ma'mul bih; The blessing of property should be a top priority in the economic behavior of Muslims, this is a characteristic of the Islamic economy that cannot be ignored; Some ways to get blessings in property are with a strong belief that only Allah can provide sufficiency (not much wealth), obtain property with good business, lawful and not from begging.

Optimalisasi Akad Mudharabah Dalam Perbankan Syariah Ach Faqih Supandi
Jurnal Istiqro Vol 5 No 1 (2019): January 2019
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

The principle of mudharabah is a unique part of Islamic banking products, because it has a philosophical difference between the conventional banking system and Islamic banking which adheres to the principle of profit or loss. Mudharabah is a partnership business covering capital owners (Shahib al-mal) and business actors (mudharib), aiming to gain profit (al-ribh) and divided according to agreement in the contract. This research is library research. While this research approach uses a statute approach, because the problems in this study are approached with positive legal norms and Islamic law. The purpose of writing scientific papers is to determine the extent to which Islamic banking in optimizing Mudharabah contracts as products in Islamic banking. The results of this study are one of the institutions that can guarantee the continued maintenance of compliance with Sharia or Islamic law is the DSN-MUI which gives sharia compliance compliance authorities (Shariah Compliance) is the Sharia Supervisory Board (DPS). The implementation of the Mudharabah contract in the Islamic banking system is one form of banking compliance with the sharia principles that DPS-MUI has applied to Islamic banking.

Analisis Akad Pembiayaan Qardh dalam Lembaga Keuangan Mikro Syariah Daerah Istimewa Yogyakarta Muhammad Ash Shiddiqy
Jurnal Istiqro Vol 5 No 1 (2019): January 2019
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

This study aims to find out how the implementation of the qardh contract in the Almuna Sharia Microfinance Institutions Blessing Mandiri Special Region of Yogyakarta. This study uses an empirical juridical method. Empirical juridical research is used to analyze various regulations regarding qardh financing contracts in Islamic Microfinance Institutions (LKMS) and to analyze applicable laws of community behavior in their lives. The type of data and materials of this study come from primary data and secondary data. Primary data comes from the results of interviews and secondary data derived from literature. The collection technique in this study was conducted by interviewing respondents to get the right and reliable information. The analysis technique used in this research is descriptive method with a qualitative approach.This study found findings, namely financing products carried out at LKMS Almuna Mandiri Blessings, among others, namely Qardh (borrowing virtue). The qardh contract implemented at LKMS Almuna Berkah Mandiri is in accordance with sharia principles. This qardh agreement is intended for LKMS Almuna Berkah Mandiri customers who have small businesses but are not economically capable and want to expand their business. The LKMS Almuna Berkah Mandiri program fund comes from LAZNAS BSM Umat. The amount of qardh financing granted by LKMS Almuna Berkah Mandiri is Rp. 1,000,000.00 (one million rupiah) with a period of 50 (fifty) weeks or equivalent to 1 (one) year over 2 (two) weeks. The qardh installment payment is made after 1 (one) week after the disbursement of funds.

Analisis Konsep Islam Tradisi Upah Buruh Tani Yuni Hidayatun Nisa; M. Khairul Hadi Al-Asyâ€™ari
Jurnal Istiqro Vol 5 No 1 (2019): January 2019
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

This paper starts from the phenomenon that 80% of the common people are farmers. Ironically, farmers here as farm workers 90% and 10% are land owners. The landowners (musta'jir) and farm workers (ajir) have good relationships because of the attachment of mutual need. But the problems that occur are that the culture of the wage system is still lacking. The first focus of the problem is what is the concept of wages applied in the village of Mandigu? The second is how the concept of wages is liberal and its relevance to the Islamic concept? The purpose of this study is to find out what are the concepts of wages applied and whether they are relevant to the Islamic concept. This research uses field research that is plunge or descend directly to the object of research to obtain data that the researcher needs. The object of this research is mandarin hamlet. The subjects studied were land owners, farm laborers and village officials. The results of this study reveal that there are four concepts of wages applied but people tend to choose the concept of concrete because the concrete system has been derived from ancestors and in terms of acceptable benefits between the two parties.

Perkembangan Audit Syariah Di Indonesia Ahmad Fauzi; Ach Faqih Supandi
Jurnal Istiqro Vol 5 No 1 (2019): January 2019
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Shari'ah audits, especially in Indonesia, have opportunities in Indonesia with the world's largest Muslim majority population. And the shari'ah audit challenges for future development are better, including (1) regulatory issues such as shari'ah audit standards that are inadequate, the absence of a sharia audit framework and lack of encouragement from the government. (2) Problems of human resources such as the qualifications of shari'ah auditors in accounting and syari'ah are not balanced, the limited number of shari'ah auditors, lack of accountability of shari'ah auditors (DPS) and shari'ah auditors (DPS) are less independent. (3) Audit process problems such as DPS are not yet equipped with sharia audit procedures, Ex-ante and audit ex-poses have not been maximized and the separation of financial audits with sharia audits.

Peran BUMDES Dalam Meningkatkan Pertumbuhan Ekonomi Pedesaan Melalui Penguatan Sumber Daya Manusia Zulifah Chikmawati
Jurnal Istiqro Vol 5 No 1 (2019): January 2019
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

The rural economy is still an obstacle in the lives of villagers. Paradigm built in rural communities is poverty, deterioration, backwardness, and various forms of discrimination against the development and growth in rural communities. The most fundamental aspect is the inability of rural communities to manage, develop, and optimize the potential of local and village resources to improve the welfare of the community. Public welfare a major goal in the various aspects of life of the nation. Various programs have been carried out by the government in order to develop and build the local economy with a variety of perspectives and methods. Improve the economy of rural communities in Act 6 of 2014 About the Village provides an option that is expected to form a government village BUMDes (village-owned enterprises). BUMDes provide the widest possible space for the village government to regulate independent local potential and innovation with various facilities provided by the government ole much as 1.4 Billion funding for rural development effectively and efficiently, including infrastructure, education, economy, and programs for welfare for villagers to develop into a concrete and comprehensive. BUMDes optimization by building trust to the community through active participation in parallel that can be done together. BUMDes accommodate all local potential yield components to be managed and developed into a superior product as the process of economic development of society. Excellent products developed through BUMDes can be marketed nationally and internationally in order to improve the quality of the local potential. Therefore, BUMDes will be central to the economy of rural communities to national development. Nation building should start from the development of the village as the spearhead of government. Back to the village to build a village for the better

Peran Bank Pembiayaan Rakyat Syariah (BPRS) Dalam Pemberdayaan Ekonomi Masyarakat Bangka Belitung Ahmad Fauzi
Jurnal Istiqro Vol 5 No 1 (2019): January 2019
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Community economic decline as a result of commodity prices dropped and the depletion of land for mining and burdensome regulation miners negative impact on revenue Pacific Islands community where the majority of farmers and miners. This is the reason for researchers to examineRole of People's Bank Syariah Financing (SRB) Economic Empowerment In Bangka Belitung. Results from these studies areBank Financing Sharia (SRB) Bangka Belitung in developing the Micro, Small and Medium Enterprises (SMEs) only to providers of financing for communities that need capital to start a business or expand it. Constraints Financing Bank Rakyat Syariah (SRB) Bangka Belitung in developing the Micro, Small and Medium Enterprises (SMEs) which are internal factors such as the collateral for the financing, external factors such as Human Resources (HR) is not much and the government policies that have not been aligned to the bank sharia.

Teknologi Pengolahan Limbah Industri Tahu sebagai Upaya Pengembangan Usaha Kecil Menengah (UKM) di Kecamatan Gambiran Kabupaten Banyuwangi Sofi Faiqotul Hikmah; Abd. Rahman; Ilham Nur Kholiq; Zulfi Zumala Dwi Andriani
Jurnal Istiqro Vol 5 No 1 (2019): January 2019
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

If waste is utilized properly, it will create new production and advance SMEs in Gambiran District so that it can minimize unemployment and increase the amount of income per capita of the community. This study has three objectives, namely: (1) To analyze the technology used in processing tofu industrial waste into nata de soya in Gambiran District, Banyuwangi Regency, (2) To analyze the technology used for processing tofu industrial waste into soy sauce in Gambiran District Banyuwangi, (3) To analyze the amount of production costs and costs of production sales from nata de soya and soy sauce products as an effort to develop Small and Medium Enterprises (UKM) in Gambiran District, Banyuwangi Regency. This research is classified into descriptive research with quantitative and qualitative types of data from the results of the experimental application to examine the act of making nata and soy sauce food products by the Gambiran District community by collecting data through surveys, observations, documentation, interviews and document analysis. In analyzing the document the results of the study will compare the feasibility of the two products obtained from whey to Nata de Soya and Ketchup products using the following feasibility analysis: TCI = FCI + WCI, TC = TFC + TVC, TR = P x Q, = TR â€“ TC, dan BEP = . The analysis shows that the technology used in making nata de soya is biotechnology from the bacterium Acetobacter xylinum which has been fermented with sugar, vinegar and micin. While the technology of utilizing tofu industrial waste into soy sauce is one strategy to reduce environmental pollution. Experiments of making soy sauce are carried out by fermentation by methanogen bacteria from soaking solid waste and fermented with salt water bath after the tofu waste is dried until the moisture content reaches 12%. To analyze the production cost of making nata de soya with 3 liters of liquid waste is TCI = 16,500, TC = 16,500, TR = 25,500, Î = 9,000, BEP = 6 Liters. While for the analysis of the production cost of making soy sauce is TCI = 33,000, TC = 33,000, TR = 75,500, Î = 42,000, BEP = 2.2 Liter

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