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All Journal Al-Ihkam: Jurnal Hukum dan Pranata Sosial Global Review of Islamic Economics and Business EMITTER International Journal of Engineering Technology Jurnal Ilmiah Ekonomi Islam JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS Syi'ar Iqtishadi JURNAL ILMIAH MAHASISWA AGROINFO GALUH International Journal of Science, Engineering and Information Technology International Conference on Islamic Economic Krigan: Journal of Management and Sharia Business Ta'amul: Journal of Islamic Economics

Umam, Khotibul

Dosen FEBI IAIN Madura

Author-ID : 1827496

Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

Published : 12 Documents Claim Missing Document

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The Importance of Good Customer Ethics in Improving The Financing Portion of Mudharabah Khotibul Umam
Global Review of Islamic Economics and Business Vol 4, No 1 (2016)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Mudharabah is a partnership contract (reputation agreement) in which one party (shahibul maal) will give his property to another party (mudharib) as productive business capital with profit sharing between the owner of the funds/capital based on the agreed ratio in advance. In practice, the application of financing mudharabah is not easy to be implemented in Islamic banking because financing mudharabah will make the asymmetric information between the customer and Islamic banking. Mudharabah client have more information than Islamic banking about all of that business. Asymmetric information sometimes can make the costumer do the moral hazard and adverse selection acts with the result that Islamic banking didn't take that risk and make the distribution of mudharabah financing portion becomes very small when compared to the total number of Islamic bank financing. Mudharabah Customers must have a good business ethics and always have advanced principle of honesty, trustworthy and transparent in managing shahibul maal funds in orther to they can minimize the risk of financing mudharabah and make Islamic banking be confident to grant the decision of financing mudharabah.

Semantic Madurese Batik Search with Cultural Computing of Symbolic Impression Extraction and Analytical Aggregation of Color,Shape and Area Features Khotibul Umam; Ali Ridho Barakbah; Achmad Basuki
EMITTER International Journal of Engineering Technology Vol 5 No 1 (2017)
Publisher : Politeknik Elektronika Negeri Surabaya (PENS)

Lack of information media about Madurese batik Causes low awareness of younger generation to maintain the production of Madurese batik. Actually, Madurese Batik also has a high philosophy, which the motif and colour reflect the character of the Madurese. Madurese Batik has useful motif as a mean of traditional communication in the form of certain cultural symbols. We collected images of Madurese Batik by identifying the impression of Madurese Batik motif taken from several literature books of Madurese Batik and also the results of observation of experts or craftsmen who understand about Madurese Batik. This research proposed a new approach to create on application which can identify Madurese Batik impression by using 3D-CVQ feature extraction methods to extract color features, and used Hu Moment Invariant for feature feature extraction. Application searching of Madurese Batik image has two ways of searching, those are based on the image input Madurese Batik and based on the input of impression Madurese batik. We use 202 madurese batik motifs and use search techniques based on colors, shapes and aggregations (color and shape combinations). Â Performance results using based on image queries used: (1) based on color, the average precision 90%, (2) based on shape, the average precision 85%, (3) based on aggregation, the average precision 80%, the conclusion is the color as the best feature in image query. While the performance results using based on the impression query are: Â (1) based on color, the average value of true 6.7, total score 40.3, (2) based on shape, the average value of true 4.1, total score 24.1, and (3) based on the aggregation, the average value of true 2.5, the total score is 13.8, the conclusion is the color as the best feature in impression query.

The effect of implementing information systems on MS Glow Khotibul Umam
International Journal of Science, Engineering, and Information Technology Vol 6, No 1 (2021): IJSEIT Volume. 06 Issue. 01 DECEMBER 2021
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ijseit.v6i1.13159

Ms Glow is a company engaged in the beauty sector. Ms Glow is a local brand that presents a series of skincare, especially for Indonesian women, which was founded in 2013. Technology is growing very fast as is online sales. This Ms Glow Information System was designed to serve as a promotional medium for Ms Glow and to simplify the online buying and selling transaction process. The design of promotional media also considers the factors that can affect the target market and target audience, so that the desires of potential customers can be identified. The website created can display complete and clear information and contain transaction reports, which sometimes errors occur when processing data. Ms Glow's Information System is a website that makes it easy for shop owners and consumers to make sales transactions, purchase goods and report data. Using easy-to-read fonts, attractive photo images, and choosing the right color. This system is created using the PHP programming language with the MySQL database for data storage. The result of this system is that it can process product information, such as: managing user data, category data, goods data, and the process of purchasing goods transactions. Through this website, it is hoped that Ms Glow as previously mentioned can be implemented and improved

Jual Beli Valuta Asing dalam Ekonomi Islam Khotibul Umam
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 4, No 2 (2020)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v4i2.9842

Foreign exchange market (Forex) is a transaction under the scope of Islamic economic studies. It is lawfully allowed as long as not violating shariah principles. This is valid particularly for the spot type because it fulfills the requirement of yadan bi yadin, namely cash transaction with the same value. As for the forward, swap and opsi types are considered unlawful as they contain random speculation (gharar) unsure. However, some Islamic scholars allow the forward when aiming to fulfill the need instead of speculation purpose, such as protecting hedging in anticipating the risk of foreign currency fluctuation used as international payment instrument.

STRATEGI PENGEMBANGAN AGROEKOWISATA JAMBU AIR DI KECAMATAN CAMPLONG KABUPATEN SAMPANG Khotibul Umam; Siti Khotijah; Mohammad Zainuri
Jurnal Ilmiah Mahasiswa Agroinfo Galuh Vol 6, No 3 (2019): September 2019
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/jimag.v6i3.2357

Penelitian ini bertujuan untuk menganalisis strategi pengembangan agroekowisata Jambu Air di wilayah Kecamatan Camplong Sampang. Metode penelitian dalam penelitian ini menggunakan pendekatan kualitatif desktiptif dengan menghadirkan alalisis SWOT untuk memetakan berbagai macam startegi yang dapat digunakan peneliti dalam mengembangkan agreoekowisata jambu air. Hasil dari penelitian ini menyimpulkan bahwa diperlukan minimal empat langkah strategis sebagai upaya dalam mengembangkan agroekowisata Jambu Air di wilayah Kecamatan Camplong Sampang yang meliputi strategi dalam pengembangan promosi, strategi pengembangan sarana dan prasarana, strategi pengembangan sumberdaya alam dan strategi pengembangan kemitraan/kerja sama dengan pihak terkait, baik dengan pemerintah, masyarakat, maupun sentra penjual buah dalam memasarkan buah jambu air beserta hasil olahannya kepada masyarakat luas. Dampak dari strategi tersebut tidak hanya dapat meningkatkan kesejahteraan masyarakat di sekitar agroekowisata jambu air, namun juga dapat meningkatkan literasi wisatawan mengenai budi daya tanaman jambu air yang sudah menjadi icon kebanggaan Kabupaten Sampang

ANALISIS PERLAKUAN BIAYA PENYELENGGARAAN IBADAH HAJI DALAM PERSPEKTIF AKUNTANSI Khotibul Umam; Zainal Abidin; Farid Firmansyah
JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS Vol 7 No 2 (2019): Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis - Desember 2019
Publisher : Politeknik Negeri Batam

Standar akuntansi merupakan konsep dasar yang sangat diperlukan dalam penyusunan dan pengembangan pedoman penyelenggaraan akuntansi atas suatu asset, utang maupun ekuitas dalam pengelolaan Biaya Penyelenggaraan Ibadah Haji (BPIH). Modul pedoman akuntansi Biaya Penyelenggaraan Ibadah Haji saat ini belum mengatur secara detail terkait dengan pengelolaan BPIH, yakni modul tersebut hanya sebagai bahan latihan untuk pelatihan pedoman akuntansi penyelenggaraan BPIH yang mengatur pencatatan dan pembuatan laporan keuangan secara umum. Kementerian Agama perlu melakukan koordinasi kepada pihak terkait seperti Ikatan Ahli Akuntansi (IAI) dalam merumuskan standar akuntasi (PSAK) BPIH dan mengembangkan sistem aplikasi informasi akuntansi agar pelaporan pengelolaan keuangan BPIH bisa lebih komprehensif dan lebih dapat dipertanggung jawabkan.

Strategi Bisnis KSPPS Nuri Jatim dalam Memasyarakatkan Ekonomi Syariah di Jawa Timur. Khotibul Umam; Ach. Sudis Alwi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4590

This study aims to analyze the business strategy of KSPPS Nuri Jatim in Socializing the Islamic Economy in East Java. Data analysis in this study consisted of data exploration, data reduction, validity test with data triangulation and drawing conclusions. Based on the results of the analysis of strengths, weaknesses, opportunities and threats, it shows several strategies that can be carried out by KSPPS Nuri Jatim in disseminating sharia economics in East Java, namely (1) SO Strategy, by increasing sharia economic promotion activities to increase sharia financial literacy, increasing cooperation with stakeholders in the development of the sharia economy and optimizing the use of information technology in disseminating the sharia economy, (2) the ST strategy, namely by massively socializing the existence of KSPPS Nuri Jatim, determining a more competitive margin strategy including profit sharing rates, and increasing the socialization of the prohibition of bank interest by MUI, (3) the WO strategy, namely by analyzing positions and employee needs, providing training to improve the quality of human resources and optimizing the use of technology for sharia financial transaction service activities, and (4) WT strategy which includes product innovation varied, cooperate with external training institutions and pay more attention to service quality.

DESIGN AND IMPLEMENTATION SEARCH ENGINE USING METHOD VSM (Vector Space Model) Khotibul Umam; Yudha Dwi Putra Negara
International Journal of Science, Engineering, and Information Technology Vol 7, No 1 (2022): IJSEIT Volume 07 Issue 01 31 December 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ijseit.v7i1.17972

Along with the rapid increase in the amount of information on the internet, many internet visitors feel confused in getting information about notebooks available online on the internet. Therefore, it is necessary to compile or organize information about notebooks from several web addresses that contain information about brands, specifications, prices of notebooks, so that it can make it easier for visitors to carry out the process of searching for information about brands, specifications, notebook prices and get information that is in accordance with visitor wishes. A special search engine is an application that functions to find specific information based on keywords entered by visitors. This search engine will be able to provide information about brands, specifications and prices of notebooks easily and quickly. In the process of working this search engine, later all the information on the internet site will be extracted and then stored in a database. then displayed to visitors. Making this final project produces a special search engine application that helps visitors get information about brands, specifications, and prices of notebooks from several webs that are determined directly. From several experimental results, importing brand keywords, specifications and notebook prices in the search engine resulted in 80% precision and 94% recall.

Al-Wasathiyah fî al-Iqtishâd al-Islâmî: Ârâ’u ‘ulamâ Jam’iyati “Nahdlatul Ulama” Bi Jawa al-Syarqiyah haula “al-Taraddud” bi Sya’ini Fatâwa al-Fawâid al-Mashrîfiyah Zainal Abidin; Miftahul Ulum; Cut Linda Marheni; Umarul Faruq; Khotibul Umam
Al-Ihkam, Jurnal Hukum dan Pranata Sosial Vol 18 No 1 (2023)
Publisher : Faculty of Sharia IAIN Madura collaboration with The Islamic Law Researcher Association (APHI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/al-lhkam.v18i1.6989

Recently, there has been a massive innovation of online loans and good purchases using pay later with installment schemes. The phenomenon inevitably brings into controversies among the public recalling the old discussion about bank interest. Although Islamic scholars have formulated religious edict (fatwa) about bank interest, some look unfirm, such as that of NU (Nahdlatul Ulama’). This writing aims to portray the seemingly unfirm attitude of the organization relying on the assumption that it actually aims to campaign Islamic economic moderation a la NU. This is qualitative research using the phenomenological approach with the interview as the data compilation method. The opinion of 8 Kiais from the East Java NU insiders became the research subjects. The result shows how the dispute of bank interest has been becoming a continuously debatable topic. Among the three opinions about the bank interest, namely haram, halal, and shubhat, most informants choose the moderate one by neither considering it halal nor haram, including categorizing it as a part of riba type. This intersubjective opinion resonates with organizational opinion which reflects tolerance of the Indonesian monetary reality, such as Islamic banking and conventional banks which are respectively used by Indonesians. This sort of contestation takes a form of formalist and substantial moderation for bridging extreme opinions about the bank's interest.

IMPLEMENTASI MANAJEMEN RISIKO KSPPS ALFA NUSA BARRU KEBUMEN DALAM MEMINIMALISIR PEMBIAYAAN BERMASALAH Khotibul umam
Krigan: Journal of Management and Sharia Business Vol 1, No 2 (2023): Desember 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i2.7612

Tujuan dari penelitian ini adalah untuk mengidentifikasi faktor timbulnya pembiayaan bermasalah serta penerapan manajemen risiko dalam upaya meminimalisir pembiayaan bermasalah di KSPPS Alfa Nusa Barru. Metode penelitian dalam penelitian adalah kualitatif. Subyek penelitiannya adalah Manager serta dua orang dari bagian pembiayaan dan bagian marketing. Teknik pengumpulan data yang dilakukan adalah observasi, wawancara, dan dokumentasi. Teknik analisis data yang digunakan dengan mereduksi data, menyajikan data, dan menarik kesimpulan. Penelitian ini menunjukkan hasil seperti faktor penyebab pembiayaan bermasalah meliputi faktor internal dan faktor eksternal. Untuk penerapan manajemen risiko yang dilalukan adalah indentifikasi risiko, penilaian risiko, memonitoring risiko, dan mengendalikan risiko. Berdasarkan eempat langkah manajemen risiko tersebut antara lain yaitu analisis 5C serta pengisian dokumen, pengelompokan atau klasifikasi financing, tindak lanjut anggota, tindak lanjut keuangan dan pemasaran untuk mengingatkan anggota, langkah yang dilakukan untuk menyelesaikan kredit macet yang dilakukan di KSPPS Alfa Nusa Barru mengatur ulang sumber daya keuangan dan membantu menjual jaminan anggota.

Co-Authors Ach. Sudis Alwi Achmad Basuki Ali Ridho Barakbah Alkauzer Alkauzer Cut Linda Marheni Fahrurrozi Fahrurrozi Farid Firmansyah Istiq Lailiyah Lukmanul Hakim Miftahul Ulum Mohammad Zainuri Sakinah Sakinah Siti Khotijah Try Itsnawati Ulfatul Hasanah Umarul Faruq Yudha Dwi Putra Negara, Yudha Yunadi Yunadi Zainal Abidin

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