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Analisis Hukum Islam terhadap Pengelolaan dan Penyaluran Wakaf Produktif Wiguna Mughni Nurahman; Arif Rijal Anshori; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.14367

Abstract

Abstract. This research is motivated by the successful management and distribution of productive waqf at the Baitul Hidayah Islamic Boarding School in Bandung amidst the proliferation of waqf assets that are not being utilized as well as possible. Here the author wants to know how to manage and distribute existing productive waqf assets in terms of legal analysis, both positive law, namely Law Number 41 of 2004 concerning Waqf and analysis of Islamic law, namely the Koran and Hadith as a source of guidance. Muslims. The aim of this research is, firstly, to find out what concepts are used in management and distribution in the use of productive waqf assets at the Baitul Hidayah Islamic boarding school in Bandung, which has been around for 14 years. Second, to find out what law is used as a reference and what is the legal analysis in the management and distribution of productive waqf. The theories used in this research are first the theory of maslahah murlsalah and the theory of justice. All of these theories are used to measure the extent of benefits obtained in the productive use of waqf assets at the Baitul Hidayah Bandung Islamic Boarding School. This research method uses a normative juridical method, using primary data as the main data, by inventorying Islamic law and positive law relating to waqf, especially productive waqf. To complete the secondary data, secondary data obtained through interviews was added which was analyzed using existing theory. The results of the research can be concluded that the management and distribution of productive waqf at the Baitul Hidayah Bandung Islamic Boarding School certainly has 4 main points that always encourage productive waqf to always be used as well as possible, namely the intention to do good deeds, being serious, having good planning and reporting. finances regularly. Also of course always apply and follow the applicable rules of Islamic law and positive law. Abstrak. Dalam penelitian ini dilatarbelakangi dengan keberhasilan pengelolaan dan penyaluran wakaf produktif di Pondok Pesantren Baitul Hidayah Bandung ditengah maraknya harta wakaf yang tidak dimanfaatkan dengan sebaik mungkin. Disini penulis ingin mengetahui bagaimana cara pengelolaan dan penyaluran harta wakaf produktif yang ada yang ditinjau dari analisis hukum, baik itu hukum positif yaitu Undang-Undang Nomor 41 Tahun 2004 tentang Wakaf maupun analisis hukum islamnya juga yaitu al-Qur’an dan Hadits sebagai sumber pedoman umat islam. Tujuan penelitian ini yaitu, pertama untuk mengetahui konsep apa yang dilakukan dalam manajemen pengelolaan juga penyalurannya dalam pemanfaatan harta wakaf produktif pondok pesantren Baitul Hidayah Bandung yang sudah 14 tahun berdiri. Kedua untuk mengetahui apakah hukum yang digunakan sebagai acuan dan bagaimana analisis hukumnya dalam pengelolaan dan penyaluran wakaf produktif ini. Teori yang digunakan dalam penelitian ini yaitu pertama teori maslahah mursalah dan teori keadilan. Semua teori ini digunakan untuk mengukur sejauh mana kemanfaatan yang didapat dalam pemanfaatan harta wakaf produktif di Pondok Pesantren Baitul Hidayah Bandung ini. Metode penelitian ini menggunakan metode yuridi normatif, dengan menggunakan data primer sebagai data utama, dengan menginventarisasi hukum Islam dan hukum posisif yang berkaitan dengan wakaf khususnya wakaf produktif. Untuk melengkapi data sekunder ditambahkan dengan data sekunder yang diperoleh melalui wawancara yang dianalisis dengan teori yang ada. Hasil penelitian dapat disimpulkan bahwa pengelolaan dan penyaluran wakaf produktif pondok Pesanten Baitul Hidayah Bandung ini tentunya memili 4 poin utama yang selalu mendorong agar wakaf produktif selalu dimanfaatkan sebaik mungkin yaitu niat sebagai amal shalih, bersungguh-sungguh, memiliki perencanaan (planning) yang baik dan laporan keuangan secara berkala. Juga tentunya selalu menerapkan dan mengikuti aturan hukum islam dan hukum positif yang berlaku.
Implementasi Fatwa DSN-MUI Nomor 01/DSN-MUI/IV/2000 pada Produk Simpanan Giro di Bank Syariah Indonesia (BSI) Kota Bengkulu Muhammad Rafif; Udin Saripudin; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.15084

Abstract

Abstract. BSI Giro products with wadiah contracts are one of the important funding products for banks to generate profits. However, the implementation of wadiah contracts on this product must comply with the provisions of muamalah jurisprudence and applicable regulations. This study aims to examine the implementation of wadiah contracts on giro products in general and specifically on wadiah giro products at BSI Bengkulu City. This study uses a descriptive analysis method to evaluate the implementation of BSI Giro products at BSI Bengkulu City in accordance with the perspective of muamalah jurisprudence and existing regulations. The results of the study indicate that the implementation of wadiah contracts on BSI Giro products uses the wadiah yad dhammah type, where Islamic banks can manage customer funds and are entitled to profits from managing these funds and receive compensation from deposit services. This implementation is in accordance with muamalah jurisprudence and applicable regulations.‎ Abstrak. Produk Giro BSI dengan akad wadiah adalah salah satu produk pendanaan yang penting bagi bank untuk menghasilkan keuntungan. Namun, pelaksanaan akad wadiah pada produk ini harus mematuhi ketentuan fikih muamalah dan peraturan yang berlaku. Penelitian ini bertujuan untuk mengkaji penerapan akad wadiah pada produk giro secara umum dan khususnya pada produk giro wadiah di BSI Kota Bengkulu. Penelitian ini menggunakan metode analisis deskriptif untuk mengevaluasi pelaksanaan produk Giro BSI di BSI Kota Bengkulu sesuai dengan perspektif fikih muamalah dan peraturan yang ada. Hasil penelitian menunjukkan bahwa implementasi akad wadiah pada produk Giro BSI menggunakan jenis wadiah yad dhammah, di mana bank syariah dapat mengelola dana nasabah dan berhak atas keuntungan dari pengelolaan dana tersebut serta mendapatkan imbalan dari jasa titipan. Implementasi ini telah sesuai dengan fikih muamalah dan peraturan yang berlaku.‎
Pelayanan terhadap Nasabah pada Bank Syariah Indonesia TBK Kantor Cabang Citarum Bandung Ditinjau dari Perspektif Islamic Service Quality Zilan Fauzi Rahman; Udin Saripudin; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.15090

Abstract

Abstract. As one of the largest Islamic banks in Indonesia, BSI implements a Service Quality system to attract sympathy from customers and potential customers. This Service Quality system, which is based on Islamic teachings, is known as Islamic Service Quality and covers a wider dimension than conventional service systems. However, in practice, there are still some complaints from customers regarding product service information provided by frontline officers. Therefore, this study aims to analyze the implementation of policies and service implementation through the Islamic Service Quality system at BSI KC Citarum, Bandung City, and to assess how the concept of Islamic Service Quality is applied in customer service there. The research method used is descriptive with data collection techniques through interviews, documentation, and observation, and data analysis is carried out qualitatively. The results of the study indicate that the implementation of policies and services through the Service Quality system at BSI KC Citarum, Bandung City is based on a corporate culture that reflects the characteristics of the Prophet SAW, namely Shiddiq, Istiqamah, Fathonah, Amanah, and Tabligh. In addition, customer service at BSI KC Citarum, Bandung City has been running well and in accordance with the concept of Islamic Service Quality.‎ Abstrak. Sebagai salah satu bank syariah terbesar di Indonesia, BSI menerapkan sistem Service Quality untuk menarik simpati dari nasabah dan calon nasabah. Sistem Service Quality ini, yang didasarkan pada ajaran Islam, dikenal sebagai Islamic Service Quality dan mencakup dimensi yang lebih luas dibandingkan sistem pelayanan konvensional. Namun, dalam praktiknya, masih ada beberapa keluhan dari nasabah mengenai informasi layanan produk yang diberikan oleh petugas frontliner. Oleh karena itu, penelitian ini bertujuan untuk menganalisis penerapan kebijakan dan pelaksanaan pelayanan melalui sistem Islamic Service Quality di BSI KC Citarum Kota Bandung, serta menilai bagaimana konsep Islamic Service Quality diterapkan dalam pelayanan nasabah di sana. Metode penelitian yang digunakan adalah deskriptif dengan teknik pengumpulan data melalui wawancara, dokumentasi, dan observasi, serta analisis data dilakukan secara kualitatif. Hasil penelitian menunjukkan bahwa penerapan kebijakan dan pelayanan melalui sistem Service Quality di BSI KC Citarum Kota Bandung didasarkan pada budaya perusahaan yang mencerminkan karakteristik Nabi SAW, yaitu Shiddiq, Istiqamah, Fathonah, Amanah, dan Tabligh. Selain itu, pelayanan nasabah di BSI KC Citarum Kota Bandung telah berjalan dengan baik dan sesuai dengan konsep Islamic Service Quality.‎
Analisis Fatwa DSN No 116/DSN-MUI/IX/2017 tentang Uang Elektronik Syariah terhadap Kebijakan Top Up Gopay pada Aplikasi Gojek di Kota Bandung Allika Rafaldini; Udin Saripudin; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.15094

Abstract

Abstract. Go-Pay, as a form of electronic money, has a significant impact on increasing non-cash transactions in Indonesia. Go-Pay is used for various types of payments, including in the GO-JEK application which is widely used by the public, including Muslims. Therefore, it is important to examine the validity of Go-Pay top-ups from the perspective of sharia economic law. Based on the background description, this study aims to analyze the Go-Pay balance top-up mechanism on the GO-JEK application in Bandung City and see its compliance with DSN Fatwa No. 116 / DSN-MUI / IX / 2017 concerning Sharia Electronic Money. The research method used is qualitative descriptive with a juridical-empirical approach. The results of the study show that Go-Pay top-ups in Bandung City are carried out through four methods, namely bank transfers (ATM or Mobile Banking), payments at minimarkets or retail partners, the Gojek application, and transfers between GoPay users. This top-up mechanism is in accordance with the Ijarah contract according to DSN Fatwa No. 116/DSN-MUI/IX/2017. Abstrak. Go-Pay, sebagai salah satu bentuk uang elektronik, memiliki dampak signifikan terhadap peningkatan transaksi non-tunai di Indonesia. Go-Pay digunakan untuk berbagai jenis pembayaran, termasuk dalam aplikasi GO-JEK yang banyak digunakan oleh masyarakat, termasuk umat Islam. Karena itu, penting untuk meneliti keabsahan top-up Go-Pay dari perspektif hukum ekonomi syariah. Berdasarkan uraian latar belakang tersebut, maka penelitian ini bertujuan untuk menganalisis mekanisme top-up saldo Go-Pay pada aplikasi GO-JEK di Kota Bandung serta melihat kesesuaiannya dengan Fatwa DSN No 116/DSN-MUI/IX/2017 tentang Uang Elektronik Syariah. Metode penelitian yang digunakan adalah kualitatif deskriptif dengan pendekatan yuridis-empiris. Hasil penelitian menunjukkan bahwa top-up Go-Pay di Kota Bandung dilakukan melalui empat metode, yaitu transfer bank (ATM atau Mobile Banking), pembayaran di minimarket atau retail partner, aplikasi Gojek, dan transfer antar pengguna GoPay. Mekanisme top-up ini sudah sesuai dengan akad Ijarah menurut Fatwa DSN No 116/DSN-MUI/IX/2017.
Literasi Keuangan Syariah bagi Anak School Age (Studi Kasus Pada Siswa Kelas 2 SD Darul Hikam Bandung) Senjiati, Ifa Hanifia; Anshori, Arif Rijal; Maulida, Ira Siti Rohmah; Wahyudin, Yadi
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2018): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v2i1.6357

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Sharia financial literacy index in Indonesia by Financial Services Authority in 2016 is 8%. Consists of the youngest respondents aged 13-15 years. The index level of Islamic financial literacy at that age is 2.2%. It means that under 13 years of age in the elementary school category or school age has never been studied. Formulation and objectives of the study (1) to know the concept of Islamic financial literacy for school age children and (2) to analyze the level of syariah financial literacy in 2nd grade students of SD Darul Hikam Bandung. The method used is descriptive analysis method, with 43 samples as respondents. Techniques of research using interviews assisted with research instruments of list questions in the google form. The results showed that 1) financial literacy for school age has 20 indicators that are divided into 3 categories: money literacy, money management literacy, and syariah financial literacy. And 2) syariah financial literacy in 2nd grade students of SD Darul Hikam as much as 68,8% respondents have syariah financial literacy at level of sufficient literate.
Pengaruh Biaya Promosi dan Biaya Tenaga Kerja terhadap Profitabilitas di PT. Bank Syariah Mandiri Maulida, Ira Siti Rohmah
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2019): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v3i1.6363

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Tujuan dari penelitian ini untuk mengukur pengaruh biaya promosi dan biaya tenaga kerja terhadap profitabilitas. Metode pengumpulan data dengan menganalisi laporan keuangan terkait dengan profitabilitas, biaya promosi serta biaya tenaga kerja periode 2011 sampai 2015. Model analisis data yang digunakan adalah analisis regresi liner berganda. Pengujian hipotesis secara simultan maupun parsial dilakukan dengan menggunakan sofware eviews 7. Hasil penelitian menunjukan bahwa pengaruh biaya promosi serta biaya tenaga kerja secara simultan terhadap tingkat profitabilitas, diketahui bahwa Kemudian Nilai R-Square sebesar 0.677358 menunjukkan bahwa proporsi pengaruh variabel Biaya Promosi (X1) dan Biaya Tenaga Kerja (X2) terhadap Profitabilitas (ROA) Bank Syariah Mandiri sebesar 67,73%, sedangkan sisanya sebesar 32,27% dipengaruhi faktor lain yang tidak diteliti dalam pembahasan ini. The purpose of this study is to measure the effect of promotion costs and labor costs on profitability. Data collection method is done by analyzing financial statements related to profitability, promotion cost and labor cost period 2011 to 2015. Data analysis model used is multiple linear regression analysis. Hypothesis testing simultaneously or partially done by using software eviews 7. The results showed that the influence of promotion costs and labor costs simultaneously to the level of profitability, it is known that Then R-Square value of 0.677358 indicates that the proportion of influence of Promotion Cost (X1) and Labor Cost (X2) to Profitability (ROA) of Bank Syariah Mandiri of 67.73%, while the rest of 32.27% influenced other factors not examined in this discussion.
ADOLESCENT EMOTIONS AND SKINCARE TEXTURE: A MIXED-METHODS EXPLORATORY STUDY Dzikrullah, Agyl Muhammad; Setiyadi, Desi; Puspitaningrum, Deby; Maulida, Ira Siti Rohmah; Rouzi, Kana Safrina
Jurnal Konseling Pendidikan Islam Vol. 6 No. 3 (2025): Jurnal Konseling Pendidikan Islam
Publisher : LP2M IAI Al-Khairat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/jkpi.v6i3.923

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This study explores the effect of skincare product texture on users’ emotional responses, especially female adolescents aged 16–21 years. Using mixed-method, quantitative and qualitative approach, this study is conducted in Jakarta, Tangerang, Bandung, Banyumas, and Yogyakarta. Total of 30 participants in this study follow three stages of product use: First Touch, During Application, and After-Absorption. Participants’ emotions are measured using the Self-Assessment Manikin (SAM) for the dimensions of valence, arousal, and dominance, and also the PANAS scale to measure changes in positive and negative emotions before and after using the skincare product. The result shows that at the First Touch stage, there is no significant difference in emotions statistically. However, qualitative data reveal variations in perceptions of sticky or runny texture. At the During Application stage, softness shows a significant effect on the sense of control and positive emotions. Meanwhile, at the After-Absorption stage, stickiness, greasiness, and film residue have a significant effect. Product with a soft texture, fast absorption, and no residue (product 2) is the most preferred and show to significantly reduce negative emotions based on the PANAS scale. This study emphasizes the importance of considering texture in skincare product development, as sensory experiences play a role in shaping user emotions. Further research is recommended to explore ingredients such as humectants and occlusives, as well as using physiological tools such as facial coding or EEG to gain a more objective understanding.
Analisis Fikih Muamalah pada Akad Hotel Syariah terhadap Fatwa Dewan Syariah Nasional tentang Pariwisata Syariah Nur, Muhammad Fakhriansyah; Maulida, Ira Siti Rohmah
Jurnal Riset Ekonomi Syariah Volume 5, No. 1, Juli 2025 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v5i1.6637

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Abstrak. Penelitian ini menganalisis penerapan fikih muamalah dalam transaksi hotel syariah, khususnya terkait dengan akad ijarah dan kemungkinan akad lainnya, seperti akad bai. Berdasarkan Fatwa DSN Nomor 108/DSN-MUI/X/2016 tentang Pariwisata Syariah, hanya akad ijarah yang diizinkan dalam pariwisata syariah. Penelitian ini menggunakan pendekatan yuridis empiris dengan metode kualitatif dan kajian fikih muamalah. Hasil penelitian menunjukkan bahwa akad bai tidak dapat diterapkan dalam hotel syariah, meskipun sebelumnya dianggap sebagai alternatif akad ijarah. Namun, akad salam ditemukan sebagai alternatif yang sesuai dengan prinsip syariah dan tidak bertentangan dengan akad ijarah. Pernyataan Ketua Dewan Syariah Nasional Perwakilan Jawa Barat juga mendukung penggunaan akad salam dalam konteks ini. Dengan demikian, akad ijarah tetap menjadi akad utama yang digunakan dalam hotel syariah, dan akad bai tidak sesuai dengan praktik yang dianjurkan dalam fatwa tersebut. Penelitian ini juga menunjukkan bahwa meskipun ada multiakad, tidak ada pertentangan antara akad ijarah dan salam dalam praktik hotel syariah. Abstract. This study analyzed the application of mujahideen fiqh in Islamic hotel transactions, especially related to looted contracts and other possible accounts, such as charitable deeds. Based on the DSN Fatwa Number 108/DSN-MUI/X/2016 on Sharia Tourism, only looted accounts are allowed in sharia tourism. This study uses an empirical juridical approach with qualitative methods and an all-out fiqh study. Research results showed that the academy could not be applied in sharia hotels, although it was previously considered an alternative to the looted academy. However, akadhalam was found to be an alternative that conforms to sharia principles and does not contradict looted acadjas. The statement of the Chairman of the National Sharia Council of West Java also supports the use of salamat in this context. Thus, the looted academy remains the main deed used in Islamic hotels, and the deed does not comply with the recommended practice in the fatwa. This study also shows that although there is a multi-acad, there is no contradiction between looting and salutation in the practice of sharia hotels.
Is It Legal to Handle Waqf Assets Management on Traditional Territories? Receptie a Contrario and Maslahah Perspectives Himayasari, Neng Dewi; Senjiati, Ifa Hanifia; Maulida, Ira Siti Rohmah; Anshori, Arif Rijal
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 2 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i2.2974

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Waqf asset management in Indonesia faces significant challenges, particularly in regions where land legality is ambiguous. Communal lands, which often lack formal ownership documentation, complicate the legitimacy and administrative compliance of waqf assets. These issues result in unrecorded waqf assets in financial statements and acquisition reports, undermining transparency and accountability. This study aims to examine the governance challenges faced by nazhir in managing waqf assets located on communal land, with a focus on identifying legal and administrative barriers and proposing practical solutions. A qualitative case study approach was employed in Muslim minority communities in Bali. Data were collected through direct observation and in-depth interviews, and analyzed using descriptive and narrative methods. The findings reveal that nazhir are unable to formally recognize and report waqf assets on communal land due to the absence of policy guidelines and legal frameworks that accommodate such conditions. This gap hinders the application of Islamic corporate governance principles, especially in terms of disclosure and transparency. The study contributes to the discourse on waqf governance by highlighting real-world complexities in asset legitimacy and proposing risk-minimization strategies, such as encouraging local governments to issue temporary management policies. These insights offer valuable guidance for policymakers and waqf practitioners in developing inclusive and context-sensitive governance frameworks.  
Analisis Perbandingan Proyeksi Kinerja Reksadana Syariah dan Konvensional Era Postcovid Berdasarkan Nilai Aktiva Bersih Anshori, Arif Rijal; Rohmah Maulida, Ira Siti; Himayasari, Neng Dewi
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4889

Abstract

At this time pandemic covid-19 is depressing the position of the financial market and banking sector. But, this is different from non-bank financial institutions, namely mutual funds, which have increased both sharia and conventional. The purpose of this study is to examine how the projections of the financial performance of Islamic and conventional mutual funds for the next 6 years. The method used is quantitative with a descriptive approach, data processing is done by projection analysis using excel. The results of this study are 1) The performance of Islamic mutual funds during the early post-covid era has decreased, while conventional mutual funds have increased every year, including in the early post-covid era. 2) Projected performance of Islamic mutual funds based on net asset value (NAV) in the post-covid era for the next 6 years will continue to increase by reaching the highest point in 2027 of 102,054.28, while conventional mutual funds will experience a decline in year 2 of the post-covid era with projected net asset value amounted to 651,214.34 and in the 3rd to 6th year it will continue to increase