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ANALISIS PEMAHAMAN NASABAH BNI SYARIAH TENTANG KE‘SYARIAH’AN BNI SYARIAH (Studi Kasus BNI Syariah Godean, Sleman, Yogyakarta) Shofa Rabbani
Islamic Economics Journal Vol 2, No 1 (2013)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (560.835 KB) | DOI: 10.21111/iej.v2i1.164

Abstract

Islamic banking must be based on the principles of Islamic economics framework in accordance with Islamic law. Islam forbids usury and interest, but Islam has permitted profit and loss sharing. This research aims to analyze the influence of the level of people’s understanding toward Islamic banking, usury, interest and profit and loss sharing, and to analyze the relationship of Islamic Bank Customer Savers which are also Conventional Bank Customer Savers. This research involved 51 respondents, all of whom are based on customers of BNI Sharia. The result of the study showed that the level of people’s understanding toward Islamic banking is still relatively low. Their perception of how sharia Islamic banks, usury, interest, and the profit and loss sharing are varies, most of them still do not understand and know these terms. On the other side, the relationship between Islamic Bank Customer Savers which are also Conventional Bank Customer Savers and employment status and education level is closely associated. This has an impact on the public interest to save or take financing in Islamic banks is also lower. Islamic banks which supposed to be a prominent choice for the Muslim community is still inferior to conventional bank dominance. Thus, they need to evaluade themselves forward in order to increase the number of customers. Socialization is not only done by banking practitioners in banking settings, but it may be given by dai / khatib / preachers in mosques, formal and informal meetings.
BUDI DAYA TANAMAN HIDROPONIK ASMAN TOGA SEBAGAI INOVASI MEDIA TANAM RAMAH LINGKUNGAN Shofa Robbani
Al-Umron : Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2021): AL UMRON: Jurnal Pengabdian Masyarakat
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN KEPADA MASYARAKAT (LPPM) UNIVERSITAS NAHDLATUL ULAMA SUNAN GIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32665/alumron.v2i1.741

Abstract

Mayoritas masyarakat desa Ngumpakdalem kecamatan Dander kabupaten Bojonegoro masih mengandalkan bercocok tanam Asman Toga melalui media tanah di kebun, sawah mapun pekarangan rumah. Seiring berjalannya waktu, lahan tanah sebagai media tanam semakin menyempit akibat bertambahnya jumlah bangunan yang berdiri mengganti fungsi lahan cocok tanam. Hadirnya inovasi teknologi tanaman hidroponik Asman Toga (Asuhan Mandiri Taman Obat Keluarga) diharapkan mampu menjawab tantangan itu. Metode yang dipergunakan dalam pengabdian ini adalah ABCD (Asset Based Community Development) dengan memanfaatkan aset lokal berupa Kangkung dan Seledri yang melimpah di desa Ngumpakdalem. Budidaya ini penting dilakukan sebagai upaya menekan biaya operasional tapi dapat mengoptimalkan hasil panenan. Pelatihan budidaya tanaman hidroponik Asman Toga ini melibatkan beberapa mitra, yaitu pemerintah Desa Ngumpakdalem, komunitas Mpok Damira (Kelompok Dalem Mandiri Sejahtera), gerakan PKK Desa Ngumpakdalem, dan IDFoS (Institute Development of Society) Indonesia cabang Bojonegoro. Hasil pengabdian ini dapat dilihat dari meningkatnya jumlah tanaman hidroponik Asman Toga di pekarangan rumah-rumah warga, pemanfaatan botol plastik bekas dan seterofom yang dilubangi dengan tujuan untuk jalan keluar nya akar dari gelas untuk menyerap air, serta penggunaan pupuk organik sebagai penyubur tanaman hidroponik yang ramah lingkungan.
IMPLEMENTASI STRATEGI INDEX CARD MATCH UNTUK MENINGKATKAN KEAKTIFAN BELAJAR SISWA Farida Isroini; Ulva Badi’ Rahmawati; Fahmi Khumaini; Shofa Robbani; Siti Aminah
Attaqwa: Jurnal Ilmu Pendidikan Islam Vol. 18 No. 2 (2022): September
Publisher : Prodi Pendidikan Agama Islam Sekolah Tinggi Agama Islam Daruttaqwa Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Active learning is an important factor in the success of the learning process. The Index Card Match strategy is one of the learning strategies that can make learning more interesting and active, so that it can be applied to all students and foster new ideas and creativity on how to create a much better and more enabling environment for students and support they are in the learning process. The background of this research is that the learning process of students is still less active, whose learning process uses the lecture method or direct learning centered on educators. Therefore, it causes the learning process to be less interesting and the creativity of students is still low and has an impact on the activity of students during the learning process. The approach used for this research is a qualitative approach in the form of descriptive research. This type of thesis research includes field research, which is to describe and describe the situation and phenomena more clearly regarding the situation that occurred. Data analysis can be done through data reduction, data presentation, and drawing conclusions.
Riba and Interest in The View Of The Four Madzhab and Contemporary Ulama Munir Munir; Ahmad Adil Manan; Shofa Robbani; Ahmad Munir
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 1 No. 1 (2023): JANUARI : JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v1i1.447

Abstract

The discourse on usury is a classic issue, both in the development of Islamic thought and in Islamic civilization. Riba is a complicated problem that often occurs in society. The research focus that forms the basis for this research is (1) What are the opinions of the 4 madzhab scholars regarding usury? (2) What are the opinions of contemporary scholars about bank interest?, and the purpose of this research is (1) to find out what the opinions of 4 madhhab scholars about usury are, (2) to find out what contemporary scholars think about bank interest. This research is a type of library research. The results of this study are that the opinion of the Hanafi Madzhab regarding the sale and purchase of goods that are exchanged or weighed with usury goods if they are weighed for trading and there is an addition, it can be said that usury fadhl. The opinion of the Maliki school of illat usury is when usury goods are used as a price. According to the opinion of the Shafi'i Madhhab, illat usury focuses on usury goods when they become the value of the price, if the two goods are valued or become the price of something. While illat on food is anything that can be eaten and fulfills several criteria such as food or staple food, according to the Hambali Madzhab what can be said is usury is every sale and purchase of a kind that is weighed with one date. Bank interest according to the opinion of contemporary scholars, namely KH. Sahal Madfudh explained about the exploitative, inhuman and consumptive nature of bank interest. Therefore, the concept of bank interest for productive behavior for people's business according to kyai sahal is permissible. Meanwhile, bank interest for consumptive and unproductive behavior is prohibited. According to M. Quraish Shihab, bank interest is not illegal, considering that the current interest does not contain elements of persecution and oppression among human beings. According to him, it does not prohibit bank interest because there are still scholars who allow it, because the interest has been agreed upon at the beginning of the transaction and does not contain elements of oppression and persecution, but if you want to be safe, you should make transactions at Islamic banks. Yusuf Al-Qardhawi said that bank interest taken by savers at the bank is usury which is forbidden, Yusuf Qardhawi firmly stated that bank interest is the same as usury which will always be punished as haram.
Modernisasi Alat Pembayaran Dengan Views, Likes dan Subscribes Di Youtube Dalam Kajian Pendidikan Ekonomi Robbani, Shofa; Khoiria, Ifa; Asror, Khozinatul
Jurnal Sustainable Vol 6 No 2 (2023): Sustainable
Publisher : Lembaga Penjaminan Mutu, IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/kjmp.v6i2.4116

Abstract

Modernisasi alat pembayaran merupakan keniscayaan di era globalisasi digital. Biasanya alat pembayaran dilakukan dengan uang giral dan kartal, atau e-money, atau cryptocurrency. Sebagian orang menggunakan views, likes dan subscribes sebagai alat pembayaran atas jasa yang diberikannya. Meski hal ini terlihat sederhana, namun memunculkan pro kontra tentang keabsahan views, likes dan subscribes sebagai metode pembayaran. Bukan hanya legalitas hukum positif berupa undang-undang sebagai payung hukumnya yang menjadi perdebatan, akan tetapi sah atau tidaknya hal itu dipraktikkan jika ditinjau dari sisi hukum ekonomi syariah. Metode analisis data adalah deskriptif analitik dengan menggunakan teori al-mal. Hasil dari penelitian ini dapat disimpulkan bahwa mekanisme sistem pembayaran menggunakan views, likes dan subscribes dapat diperinci sebagaimana berikut; pertama, views sebagai alat pembayaran menurut jumhur ulama dan golongan Hanafi mutaakhirin diperbolehkan karena masuk dalam kategori al-mal, yakni views merupakan sesuatu yang tidak mudah rusak ataupun hilang Kedua, menurut Ulama Hanafiah terdahulu, baik views, likes dan subscribes semuanya tidak termasuk kategori al-mal karena tidak termasuk sesuatu yang berwujud, sehingga tidak sah digunakan sebagai alat bayar.
BUDIDAYA PELET SUPER MAGGOT (PESGOT) BLACK SOLDIER FLY SEBAGAI UMKM UNGGULAN DI DESA SENDANGHARJO KECAMATAN NGASEM KABUPATEN BOJONEGORO PASCA PANDEMI COVID 19: Budidaya Pelet maggot Moh. Miftahul Choiri; Shofa Robbani; Agus Setia Rega; Roudlotus Sa’adah
BHAKTI NAGORI (Jurnal Pengabdian kepada Masyarakat) Vol. 2 No. 1 (2022): BHAKTI NAGORI (Jurnal Pengabdian kepada Masyarakat) Juni 2022
Publisher : LPPM UNIKS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2337.154 KB) | DOI: 10.36378/bhakti_nagori.v2i1.2269

Abstract

Pandemi Covid 19 berdampak besar pada kehidupan masyarakat, baik disektor kesehatan, pendidikan, perindustrian, dan perekonomian. Pandemi Covid-19 telah menyebar di seluruh dunia di mana banyak negara terserang penyakit ini sampai menghadapi tingkat kematian dan kerugian ekonomi yang cukup tinggi. Pandemi Covid-19 juga menyebabkan peningkatan angka pengangguran. Pandemic tersebut memberikan dampak yang signifikan terhadap perekonomian masyarakat. Banyak masyarakat yang mengeluh dan terhenti aktivitasnya karena pandemi Covid-19, termasuk masyarakat desa Sendangharjo yang mayoritas mata pencahariannya adalah sebagai petani. Melihat hal itu, peneliti bermaksud memanfaatkan aset lokal yang sudah ada tapi masih awam di kalangan masyarakat desa Sendangharjo yaitu PESGOT (Pelet Super Maggot). Maggot merupakan suatu organisme yang berasal dari larva BSF dan dihasilkan pada metamorfosis fase kedua setelah fase telur dan sebelum fase pupa yang nantinya menjadi BSF dewasa. Kemudian Maggot diolah menjadi pakan ternak alternatif. Kebutuhan akan pakan pada budidaya ikan atau unggas membutuhkan pengeluaran biaya yang cukup besar. Untuk itu, budidaya PESGOT ini diharapkan mampu membuat pakan ikan secara mandiri demi menekan biaya operasional. Metode Pengabdian Masyarakat yang digunakan ialah menggunakan model pengembangan masyarakat berbasis asset atau yang lebih dikenal ABCD (Asset-Based Community Development) merupakan pendekatan yang mengarah pada pemahaman dan internalisasi asset, potensi, kekuatan, dan pendayagunaannya secara mandiri dan maksimal, ABCD ini mempunyai beberapa langkah-langkah dalam pelaksanaannya, yaitu Discovery (Pengkajian), Dream (Impian), Design (Prosedur), Define ( Pemantapan Tujuan) dan Destiny (Self Determination). Dari kelima proses itulah yang menjadi acuan dalam pelaksanaan pembudidayaan berbasis asset Kata kunci: Budidaya, PESGOT. Desa Sendangharjo
KOMERSIALISASI JASA BUZZER TWITTER MENURUT UNDANG-UNDANG ITE DAN HUKUM ISLAM Robbani, Shofa; Fauzi, Ahmad
At-Tuhfah : Jurnal Studi Keislaman Vol. 11 No. 1 (2022): At-Tuhfah : Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1203.58 KB) | DOI: 10.32665/attuhfah.v11i1.664

Abstract

Twitter buzzers are individuals or groups who spread issues or rumors in the realm of Twitter social media to attract the attention of many people so that it becomes the talk of many people, more than that to influence one's mindset. Twitter buzzers are underground syndicates that are widely scattered around the time of the election, their services are needed by political contestants and their supporters to increase their popularity as well as to bring down the popularity of their political opponents by spreading opinions on Twitter, and of course, this service is paid at a price that is not cheap considering the big risks. In addition to political contestants, Twitter buzzers are also needed by business people, political parties, agencies, and even individuals to achieve their goals. According to ITE law, Twitter buzzer services are allowed if they do not contain defamation, spread false news, and spread hate speech content. Meanwhile, according to Islamic law, Twitter buzzer services are not allowed if the mu'jar 'alaih contains immorality and slander, and if it does not contain these two things then it is permitted.
The Currency According to Quran Robbani, Shofa; Nailin Nafis
At-Tuhfah : Jurnal Studi Keislaman Vol. 12 No. 1 (2023): At-Tuhfah : Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32665/attuhfah.v12i1.755

Abstract

This study aims to analyze the concept of currency in the Qur?an. It is descriptive research with a qualitative approach. The method used is Maudhu'i, by collecting verses based on similar khitab. Regarding currency, The Qur?an focuses on the nomenclature of the dinar (made of gold) and dirham (made of silver). Throughout the development of Islamic economics and finance, Ulama looked into the concept of currency mainly in its functions as (1) payment instruments, (2) asset measurement value, and (3) economic flow. Due to the characteristics of the dinar and dirham mediums that cannot be applied in the modern monetary system, the currency currently in use is the currency with a medium that is seen as practically viable by the government. The dinar and dirham cannot be used because of (1) the high exchange rate of gold and silver against various goods, (2) the availability of gold and silver declines over time and cannot meet the demand for currency, and (3) gold and silver are not easily portable. Therefore, the characteristics of any agreed medium for issuing currency will remain relevant from the point of view of Islamic economics and finance. The Qur'an only provides dinar or dirham as an example of currency, the main essence of which is that the Qur'an provides provisions on how to manage currency in terms of rights and obligations as well as its relation to religious goals.
NON FUNGIBLE TOKEN SEBAGAI ASET DIGITAL DALAM PANDANGAN FIQH MUAMALAH Robbani, Shofa; Khoiria Ningrum, Ifa
At-Tuhfah : Jurnal Studi Keislaman Vol. 11 No. 2 (2022): At-Tuhfah : Jurnal Studi Keislaman
Publisher : Universitas Nahdlatul Ulama Sunan Giri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (338.01 KB) | DOI: 10.32665/attuhfah.v11i2.1423

Abstract

The phenomenon of buying and selling online continues to grow, especially in 2022, when Ghozali shocked the Indonesian people by selling 933 non-fungible token digital works for $1.5 billion on the OpenSea Online Market. But not all people respond, because everyone can sell other people's art, sell images that contain pornography, and commit fraud under the guise of investment. In Sharia economic law, on the other hand, the element of fraud and the sale of something that does not belong to him are prohibited. The mechanism of buying and selling non-fungible tokens on the OpenSea online market is discussed in this study, as well as how the law is based on Islamic economics.This type of research uses a qualitative approach by seeking direct data from parties involved in buying and selling non-fungible tokens on the Opensea online marketplaces, from journals, articles, books, and other sources. The theory of "al-mal" and "al-bai' is used to analyze this research using a qualitative deductive method. The results of the research show three mechanisms in the practice of buying and selling non-fungible tokens on the Opensea online marketplace, which include the creation, sale, and purchase of digital artwork, and most of them are carried out on the Ethereum and Polygon blockchain platforms. According to sharia economic law, when buying and selling non-fungible tokens on the Opensea online market is analyzed using the mall theory, the majority of Ulama argue that non-fungible tokens can be classified as malls, while some groups of followers of Imam Hanafi do not justify non-fungible tokens as malls because of their non-concrete nature. Meanwhile, if it is captured using the "bai' theory, the practice of buying and selling non-fungible tokens is not covered by sharia because, in practice, people can easily sell other people's digital artwork, sell images that contain pornographic elements, and are very vulnerable to involvement in non-fungible token sale scams such as forgery of digital artwork descriptions and investment scams. As for those who can avoid all these negative elements, then they are returned to the original law of bai', namely mubah.
The Dynamics of Waqf in Islamic Civilisation: From the Prophet's Time to the Modern Era Sa'adillah, Rangga; Roesli, Mohammad; Robbani, Shofa; Imroatul Azizah; Muhammad Irfanudin Kurniawan
VRISPRAAK : International Journal of Law Vol 7 No 2 (2023): September 2023
Publisher : STAI Miftahul Ula Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/vris.v7i2.1147

Abstract

Waqf is a concept in Islam that refers to the gift of property that is eternally useful for benevolent purposes. The history of waqf dates back to the time of Prophet Muhammad SAW, where he and his companions practised waqf as a means to fulfil the social and religious needs of the community. Initially, waqf was used to build mosques, madrasas, and provide public facilities such as wells and roads. The development of waqf continued during the Islamic Caliphate, with the establishment of various waqf institutions that supported education, health, and public infrastructure. In the modern era, the concept of waqf underwent a transformation with applications in broader economic and social fields, including the professional management of waqf assets to ensure the sustainability of its benefits. The history of waqf demonstrates its important role in the development of Islamic civilisation and its contribution to the welfare of society as a whole.