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Khoir, Misbahul
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Journal : Akademika

 1 
INDONESIA DALAM KONSEP KENEGARAAN PERSPEKTIF ISLAM DUNIA Khoir, Misbahul
Akademika Vol 11, No 01 (2017): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v11i01.160

Abstract

Some people of Indonesian moeslem there are wanting to change Indonesian Democration System tobe Islamic State Or Khilafah system. We should know whether there is any concept of Islamic state in the al-Qur’an or al-Hadith literature? As far as I know in the holy Qur’an and al-Hadith point us that There is no such concept of Islamic state. Although, after our prophet Muhammad Saw died, people of Muslems was confusing at looking for a leader continue  leadership in Islam, Our prophet Muhammad Saw gave a concept of a society rather than a state and in the al-Qur’an had been explaned ( ‘adil /justice and ihsan). One of state form is like confederacy (in America) but in Indonesia state is ‘teo-demokrasi’ with united identification: (1)The supreme of the central parliament; (2) The absence of subsidiary sovereign bodies; Islamic is away of life (syari’at) there’s no have a permanent concept about state. For example, Khilafah system and etc. Namun, Islamic is integratif totality from “three d” : din (religion/science), daulah (state), and dunya (world). Islamic goverment system is a system that true different with  the goverment system what ever in the world, a special system that unique among all system in the world. The authoritor power in islamic religion is it’s self (khalifah fil ard) and the rule of syariah (al biladu biladullah wal ibadu ibadulloh). So, whoever wants to get happines and welfare (falah) in the world and in here after must be with Islamic from the creator of the world (Allah swt.)
Akad Gadai (Rahn) pada Pembiayaan Syari’ah (Analisis SWOT pada KSPPS Karomah di Pacuh Balongpanggang Gresik) Khoir, Misbahul
Akademika Vol 14, No 01 (2020): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v14i01.190

Abstract

Rahn's financing is the most dominant financing in the Barokah Amanah Family of KSPPS.  From this reason, the authors chose the KSPPS Karomah object in Pacuh village, Balongpangang sub-district, Gresik district to be investigated. The goal of this research is to be able to provide as much detailed and up-to-date information as possible regarding the mechanism of rahn financing using ATM collateral and Savings Books and its contribution both internally to the growth of cooperative, SHU and its benefits for members  and surrounding communities in general. Interestingly, even though KPSPS Karomah was only established in the last two months of 2018, it has member a lot of especially for its rahn financing and has used a very effective online application and facilitates financial management in KSPPS Karomah. This research is a field-based qualitative research by making field data such as interviews, observations and documentation as primary data. By carrying out the process of organizing data, data reduction, data display, analysis and then finding conclusions. From this research is able by found out the mechanism and procedure of disbursement of Rahn contract financing using ATM collateral and savings books at KSPPS Karomah and analyze using SWOT. The results turned out to be very effective and the number of members could quickly multiply and could quickly develop because there was synergy (cohesion of Debtor data) or cooperative members with existing PKH members and BPNT social programs.
ANALISIS SISTEM PENGUPAHAN PABRIK TAHU DI POLUJU BAURENO BOJONEGORO DITINJAU DARI PRINSIP TANGGUNG JAWAB DALAM EKONOMI ISLAM Khoir, Misbahul; Naili, Yusri
Akademika Vol 12, No 02 (2018): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v12i02.181

Abstract

The provision of wages to all employees or workers is very important to prosper the surrounding community. One of them is the tofu factory in the village of Poluju, Baureno sub-district, Bojonegoro regency, which is one of the factories producing tofu from the processed soybean staple. The research problems are how analyze the wage system of tofu factory employees in Poluju village, Baureno sub-district, Bojonegoro regency; what is the analysis of the tofu factory employee wage system viewed from the principle of responsibility in Islamic economics by using descriptive qualitative research methods. Data collection techniques are through observation, interviews, and documentation. The data analysis technique uses Miles and Huberman. In this tofu factory, Mr. Sukanto uses a daily and piece rate system. Where both systems have been running from the founding of the Sukanto tofu factory to the present. In determining the wage, it is known by both parties, namely the employees and manager. In giving the salary, Mr. Sukanto is quite responsible because he has fulfilled several principle  criteria of responsibility in Islamic economics. the principle criteria for responsibility in Islamic economics, are honesty, trustworthy, open to each other, and taking full responsibility for the wages of all employees.
IMBT (Ijarah Mumtahiya Bittamlik) as the main contract in mortgage (Home Ownership Credit) Wahyudhi, Imam; Irawan, Agus Wahyu; Khoir, Misbahul
Akademika Vol 18 No 1 (2024): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v18i1.1981

Abstract

The non-compliance of the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract as the main contract in mortgages (Home Ownership Credit) with the DSN-MUI fatwa in its implementation procedures is a problem in the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract. In this study, the research method used is Library Research, where secondary data is obtained from data provided by data providers from several Islamic banks and offline data from several books. The results of this discussion show that according to DSN-MUI fatwa Number 27 (2002), Ijarah Mumtahiya Bit-Tamlik (IMBT) is a form of lease agreement for goods or services that includes an option to transfer ownership rights of the leased object to the lessee when the lease period ends. In general, in Islamic banks, in the mortgage financing scheme with the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract, the bank will purchase an asset and then lease-sell the asset to the customer. The implementation of the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract must comply with DSN-MUI fatwa Number 27 (2002) concerning Ijarah Mumtahiya Bit-Tamlik (IMBT), which states that the transfer of ownership, either by sale or gift, is carried out after the ijarah period ends
Co-Authors Irawan, Agus Wahyu Naili, Yusri Wahidin Wahidin Wahyudhi, Imam