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Integrating Sharia Principles in Infrastructure Finance: A Government-Business Partnership Scheme for Sustainable Development Nasrulloh; Widodo, Sugeng; Nur Efendi, Mohamad; Septiana, Nurul Izzati
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.387

Abstract

This research explores the financing of infrastructure through the Public-Private Partnership (PPP) scheme, referred to as Kerjasama Pemerintah dan Badan Usaha (KPBU) in Indonesia, and Sharia finance. With the increased global need for sustainable infrastructure, the PPP scheme presents an opportunity to accelerate development in a Sharia-compliant way. This compliance includes the forbidding of lending with interest (riba), uncertainty (gharar), and gamble-like activities (maisir). This study employs a literature review methodology focusing on publications dated 2018 and 2024 and synthesizes existing literature on the Sharia-based PPP models. Significant findings indicate that the PPP schemes combined with the Istisna modality make it possible to comply with the basic Sharia legal requirements, enabling progressive payments to be made in accordance with project milestones. A repayment structure that is paid in stages rids people of the burden of usury and enhances transparency while reducing financial risks. Insight from primary data reveals that through effective regulation and stakeholder participation, along with adequate supervision, transparency and efficiency can be greatly enhanced. The added contribution of this research is that it develops a practical operational framework for the Sharia PPPs, which can be utilized in almost all infrastructure developmental activities. These frameworks propose measurable efficiency and accountability while complying with Islamic financial requirements. The findings present sharia infrastructure financing that is equitable, effective, and sustainable, providing fundamental policy insights to regulators, sharia practitioners, and other stakeholders.
Internalization of Qur'anic Character Through The Maghrib Mengaji Program (Case Study of TPQ Baiturrahman, Kuala Enok, Indragiri Hilir, Riau) Nurlatipah; M Sholih Salimul Uqba; Evy Nur Rohmawaty; Nasrulloh
Jurnal Ruhul Islam Vol 3 No 1 (2025): Jurnal Ruhul Islam
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jri.v3i1.221

Abstract

The objective of this study was to ascertain the implementation of the Maghrib Mengaji program at TPQ Baiturrahman with the aim of instilling Qur'anic character education in children in the Kuala Enok environment. In addition, this study sought to identify the obstacles in the implementation of the Maghrib Mengaji program and to propose solutions to overcome these obstacles. This research employed a descriptive qualitative approach. Data collection techniques included observation and interviews which were then analyzed using techniques from Miles, Huberman and Saldana. The research findings indicate that the Maghrib Mengaji program aims to instill Qur'anic character through in-depth Qur’anic reading, memorization of the Juzz Amma surah, interpretation of Qur’anic verses, hadith, and Arabic aphorisms (mahfuzhat). However, the program encounters challenges due to the large number of students and the limited number of teachers. To overcome these obstacles, it is essential to provide a learning environment that is both engaging and under the guidance of a teacher. The Maghrib Mengaji program plays an essential role in shaping the Qur'anic character of students through guidance, continuous training, and advice in Qur'anic character formation during early childhood.
STUDI EKSISTENSI WANITA KARIR DALAM BATASAN DOMESTIFIKASI PADA Q.S. AL-AHZAB: 33 Nasrulloh; Nabila Anisya
El-Wasathiya: Jurnal Studi Agama Vol. 10 No. 02 (2022): Desember
Publisher : Sekolah Tinggi Agama Islam Nahdlatul Ulama Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35888/el-wasathiya.v10i02.5087

Abstract

Abstrack : Penelitian ini bertujuan untuk mengetahui pandangan Islam mengenai wanita karir serta dampak yang dibawanya kepada keluarga berdasarkan Q.S. al-Ahzab: 33. Penelitian ini termasuk pada kategori studi kepustakaan dengan pendekatan kualitatif dan metode tafsir tahlili. Peneliti menggunakan Tafsir al-Munir karya Wahbah Az-Zuhaili sebagai acuan perspektif penafsiran dan proses analisis. Sebagai hasil penelitian ini ditemukan bahwa Islam tidak memberikan larangan secara tegas mengenai wanita karir. Hukum wanita untuk berdiam diri di rumah atau tidak diperbolehkannya keluar dari rumah untuk berkarir itu ketika mereka keluar dengan keadaan tabarruj. Pada dasarnya setiap wanita berhak untuk keluar rumah dalam rangka memenuhi kebutuhannya, termasuk untuk berkarir sebagai bentuk aktualisasi diri salama masih berada dalam koridor syariah. Namun berkarirnya seorang wanita juga memberikan dampak negatif dan positif terhadap kesejahteraan keluarganya. Dampak negatifnya yaitu anak menjadi kurang mendapat perhatian, wanita seringkali tidak dapat menyesuaikan diri di lingkungan karirnya, rentan menghadapi problem keluarga dan dihadapkan pada berbagai masalah kesehatan mental. Sedangkan dampak positifnya yaitu berperan dalam meningkatkan ekonomi keluarga, dapat mengaktualisasikan diri, terpenuhinya kebutuhan akan bersosialisasi, meningkatkan sumber daya manusia. Kata kunci: wanita karir, tafsir al-munir, domestifikasi.
THE EFFECT OF SHORT-CIRCUIT FAULTS ON THE DIFFERENTIAL RELAY OF TRANSFORMER 1 AT KALIBAKAL SUBSTATION USING ETAP 19.0.01 Novatilana, Anisa; Nasrulloh; Prasetyono, Rizki Noor
Journal of Electronic and Electrical Power Applications Vol. 5 No. 1 (2025): JEEPA Volume 5 Nomor 1
Publisher : Program Studi Teknik Elektro Universitas Peradaban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58436/jeepa.v5i1.2276

Abstract

The differential relay is one of the protection components used to detect internal faults in transformers by comparing the incoming and outgoing currents within the protection zone. This study aims to analyze the effect of short-circuit faults on the operation of the differential relay using Electrical Transient Analyzer Program (ETAP) software. The method used is descriptive quantitative with a simulation-based approach using ETAP and binary logistic regression analysis. The results of the binary logistic regression test indicate that fault location and fault type do not significantly affect the relay operation decision, with a significance value of 0.989 and a Nagelkerke R Square of 0.016. These findings are consistent with the fundamental principle of differential relays, which focus on the difference between incoming and outgoing currents, rather than the fault position or fault type.
Enhancing Halal Certification via Self-Declaration for MSMEs in Indonesia: The Pioneering Role of BMT NU Ngasem in Streamlining Processes Laila Nur Sholikhah; Nasrulloh; Shang-Jin Wei
Journal of Islamic Economics Perspectives Vol. 6 No. 1 (2024): February (2024) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v6i1.139

Abstract

This research aims to determine the role of BMT NU Ngasem in accelerating halal certification through self-declaration for MSMEs in Bojonegoro, and also the response of BMT NU to the halal certification self-declaration scheme for MSMEs in Bojonegoro. This type of research uses qualitative research methods with a descriptive approach. Research data is in the form of primary and secondary data. Primary data was obtained from interviews. Meanwhile, secondary data was obtained from websites and journals. Acceleration of halal certification given to Micro and Small Enterprises by BMT NU Ngasem, namely with the self-declare scheme. Where self declare is an independent statement of the halal status of MSE products. Business actors can self-declare if they have fulfilled the requirements, where the condition is that there must be assistance from a registered halal product process assistant. The potential success of the free halal certification acceleration program or what is usually called self-declaration by BMT NU Ngasem is supported by the large potential of the halal industry in Bojonegoro Regency. In this case BMT NU Ngasem has a role, namely as a companion to the halal product process. BMT NU Ngasem has a role, namely as a companion to the halal product process . which was founded in early 2023. Acceleration of halal certification given to Micro and Small Enterprises by BMT NU Ngasem, namely halal certification with a self-declare scheme. The response from BMT NU Ngasem to halal certification was very responsive to the halal certification program. It is proven by the data mentioned that 20 MSMEs have received a unified licensing process.
A PLAN FOR HANDLING COMPLEX FINANCING IN KPR PRODUCT: BANK JATIM SYARIAH Wahyuni, Hana; Nasrulloh
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 2 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i2.12845

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The need for adequate housing continues to increase very rapidly from year to year along with the increase in population, but there are still many obstacles to fulfilling it. So banking institutions are present as intermediation institutions by offering mortgage financing products. Due to the large number of applications for financing, problems often arise. This research aims to determine the factors that cause financing problems in the iB Barokah KPR product at Bank Jatim Syariah Jombang evidence. The research method used is a qualitative descriptive research method. Data collection techniques come from interviews and observations. The results of this research show that the factors that cause financing problems with the iB Barokah KPR product are caused by external factors (the customer's side) whether caused by intentional or unintentional elements, such as customers affected by natural disasters, the Covid-19 pandemic, and bad customer character. The strategy used to deal with the risk of problematic financing goes through three stages. First, the stage of anticipating problematic financing by conducting a 5C analysis and a psychological approach. Second, the rescue stage user restructuring. Third, the settlement stage is through non-litigation, litigation.
URGENSI SUPERVISI PENDIDIKAN PERSPEKTIF Q.S. ALI IMRAN: 29 DAN QS. AL-ISRA’: 84 Tazkiyah, I'anatut; Kiptiyah, Arofatul; Abidin, Munirul; Hamidah, Tutik; Nasrulloh
AL-MUADDIB: Jurnal Kajian Ilmu Kependidikan Vol. 5 No. 2 (2023): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/muaddib.v5i2.919

Abstract

Supervision is often considered scary by employees or teachers. In fact, there is important supervision in an institution, including Islamic educational institutions so that they can be assessed and evaluated for the better in accordance with their standards. The study aims to examine more deeply to determine the urgency of educational supervision based on the interpretation of Q.S. Ali Imran: 29 and Q.S Al-Isra': 84. This type of research is descriptive qualitative with a literature study approach, with the main data source of the Quran, and is supported by books, books, articles and websites. Data analysis techniques with reduction, data models and conclusions. The result of this study is that the urgency of educational supervision is indeed important because Allah alone in supervising his creatures has been explained in Q.S Ali Imran: 29 and Al-Isra': 84, there is supervision for assessment and giving proper reply to creatures, but in the context of institutions in the world for the work efforts of employees and teachers (educational institutions), as well as the function of supervisors as people who are more experienced in assessing is also important for evaluation and measuring the extent to which standards that have been met.
Konsep Etika Komunikasi Bermedia Sosial Bagi Generasi Milenial Perspektif Al-Qur’an Amelia, Ulfi; Nasrulloh
Jurnal test Vol 3 No 2 (2024): September
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58363/alfahmu.v3i2.199

Abstract

This research aims to explain the analysis of the concept of social media communication ethics for the millennial generation from the perspective of the Qur'an. This study uses a qualitative approach with a descriptive method of literature analysis. This research applies primary sources and secondary sources. The results of the study show that there are 6 concepts of social media communication ethics from the perspective of the Qur'an, including Qaulan ma'rufan, kariman, maysuran, balighan, layyinan, and sadidan. Qaulan maysuran is one of the guidelines for communicating using language that is easy to understand and relieves feelings. The social media users who connect online vary, so it's important to consider the importance of communicative understanding. Communicators do not use language or write sentences that are difficult to understand. The goal is to unify perceptions between communicators and communicators, not just to improve communicative understanding. Therefore, it is very important to consider ethics when communicating, whether in person, in groups, with the masses, or through social media. However, before sharing an upload, social users should consider their role as communicators and communicators. The communicator must be responsible for all responses that may arise from the post and must be ready to receive criticism and feedback from the communicator.
Konsep Wanita Karier Era 4.0 Persepktif Al-Qur’an Rahma Yanti, Silvia; Nasrulloh
Jurnal test Vol 3 No 2 (2024): September
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58363/alfahmu.v3i2.200

Abstract

This research aims to analyze the concept of career women in the era of the Industrial Revolution 4.0 from the perspective of the Koran. This research uses library research with a normative qualitative approach that focuses on analyzing available library data and articles. The results of the research show that the concept of career women from the Al-Qur’an perspective is that there is no prohibition for women from having a career in their lives, women have the right to work and have a career just like men, especially in the 4.0 era which is very sophisticated with today’s rapid technological advances. . In accordance with Q.S. An-Nisa’ verse 32 explains that men get a share of what they work for, as well as women get a share of what they work for, this is in accordance with how much effort and ability they have. So a career woman must comply with the requirements as a career woman in the world of work, including maintaining a balance between family and career and being able to maintain her honor as a Muslim woman. So they avoid slander and other negative impacts that will bring harm to themselves, their families and society.
KESEIMBANGAN ALAM DALAM PERSPEKTIF AL-QUR’AN: TAFSIR TEMATIK TENTANG LINGKUNGAN DAN IMPLIKASINYA DALAM KEHIDUPAN MODERN Zulfa Syauqiah; Ahmad Hanim Syafril Alfalah; Nasrulloh
Jurnal Media Akademik (JMA) Vol. 3 No. 6 (2025): JURNAL MEDIA AKADEMIK Edisi Juni
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/v3i6.2141

Abstract

Krisis lingkungan menjadi salah satu tantangan besar di era modern, ditandai oleh peningkatan suhu bumi, punahnya jutaan spesies, hingga berbagai bencana alam akibat ulah manusia. Dalam menghadapi krisis ini, pendekatan spiritual melalui ajaran agama, khususnya Islam, menjadi penting. Al-Qur’an tidak hanya mengajarkan ibadah ritual, tetapi juga memuat prinsip keseimbangan alam (mīzān) dan larangan merusak bumi. Penelitian ini bertujuan mengkaji konsep keseimbangan alam dalam perspektif Al-Qur’an melalui pendekatan tafsir tematik, serta menganalisis relevansi dan implikasinya dalam kehidupan modern. Dengan menggunakan metode kualitatif berbasis studi pustaka, artikel ini mengupas ayat-ayat Al-Qur’an yang berkaitan dengan tema lingkungan, peran manusia sebagai khalifah, serta nilai-nilai etis dalam menjaga lingkungan. Hasil kajian menunjukkan bahwa Al-Qur’an secara eksplesit menekankan pentingnya menjaga keseimbangan lingkungan sebagai bagian dari amanah khalifah di muka bumi ini. Ketidakseimbangan yang terjadi akibat eksploitasi berlebihan dan kerusakan lingkungan merupakan bentuk pelanggaran terhadap nilai-nilai ilahiah. Dalam konteks kehidupan modern, nilai-nilai tersebut menjadi sangat relevan untuk dijadikan landasan etika ekologis dalam menghadapi krisis lingkungan global. Oleh karena itu, penguatan kesadaran spiritual berbasis Al-Qur’an sangat penting dalam membentuk pola hidup yang ramah lingkungan dan berkelanjutan.
Co-Authors Aatina Khairal ‘Athiyyah Zen Abas, Adzrah Dwi Sunarty Abdullah Ade Susanti Aditya Santoso Adzin Murdiantoro, Randi Ahmad Hanim Syafril Alfalah Aida Naja Sabiela Aisyah Putri Salsabila Amelia, Ulfi Andriyan, Riki Annisa Dwi Ramadhanti Arpin Aminuddin Hrp Arsiandro, Fadzly Haris Arsiandro Asep Hikmatullah Asykriyah Laily Rizki Aulia Rahman Berlian Kusmastuti, Imel Binazun, Inayah Dalle, Muhammad Dimas Abdurochim Dwi Putri Agustia Ema Ummiyatul Khusnah Evy Nur Rohmawaty Fachruroji Fadhil Ismail FATHUR ROHMAN Fidinillah, Ghuzat Habibur Rahman Hamidatul Latifah Isnainiyah Istiqomah, Dhia Kastrawi, Puji Khildah Salsabilatun Najah Khoirinnisa Kholqi, Ahmad Muhammad Sa’dul Khuntum Khaira Ummah Kiptiyah, Arofatul Laila Nur Sholikhah Latifah, Hamidatul Layalil Maghfiroh Zain M Ahsani Taqwim A.J M Sholih Salimul Uqba Mahendra, Wirayudha Maulana Malik Ibrohim Mauliyanti Mia Amelia Mochammad Aldiyansyah Mohammad Arjati Firmansyah Mubarok, Rizky Muh. Taufiqurrahman Muhammad Muhammad Fahmi Syafi’uddin Muhammad Fathoni Diya’ Ulhaq Rahmat Muhammad Ihsan Mas'ud Muhammad Iqbal Al-Azizi Muhammad Rizky Maulana Munawar, Aris Munirul Abidin Mutammimah, Bidayatul Nabila Anisya Nafilah, Sayidah Alfa Nawawi Aulia Muhammad Nikyta Tsabita Khansa Novatilana, Anisa Nuchin, Achmad Nur Efendi, Mohamad Nuraini Nurlatipah Nurul Ainiy Nurul Hidayah Prasetyono, Rizki Pryditzia Presdiranti Qurrota Ayuni, Rizka Rahma Yanti, Silvia Ramadhani Islami Putri Randi Adzin Murdiantoro Rara Novita Sari Reza Hamidi, Saddam Rifki Ali Reza Rijal , Hamim Syaiful Rizka Qurrota Ayuni Rizki Noor Prasetyono Sadam Safi'i, Ahmad Saputri, Virda Hersy Lutviana Septiana, Nurul Izzati Shang-Jin Wei Shery Fara Afifah Sugeng Widodo Sunarty Abas, Adzrah Dwi Syaghaf M. Sa'ad Syakhiya Nur Jazilah Tamimatun Nihayah Tazkiyah, I'anatut Tutik Hamidah Ummu Aisyah Wahyuni, Hana Yusnani Zahratunnisa Zaid Al Qodhi Zulfa Al Muthoharoh Zulfa Syauqiah