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All Journal GEMA EKONOMI Justisia Ekonomika Jurnal Islam Nusantara
Surur, Miftachus
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Lazisnu's Role in Social Life During The Covid-19 Pandemic Muttaqin, M Khoirul; Basyirah, Luthfiana; Surur, Miftachus
JURNAL ISLAM NUSANTARA Vol 6, No 1 (2022)
Publisher : Lembaga Ta'lif wa An-Nasyr (LTN) PBNU

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (662.249 KB) | DOI: 10.33852/jurnalnu.v6i1.347

Abstract

This study aims to determine the role of Lazisnu in social life during the Covid-19 pandemic. The research method used in this research is a qualitative approach with the type of case study research. The data sources used are primary and secondary data sources obtained from observations, interviews, and documentation. The informants in this study consisted of 23 informants, namely the chairman, secretary, treasurer, and 20 mustahiq recipients of assistance from Lazisnu Sendangagung. Then the data that has been obtained is analyzed through several stages of data reduction, data presentation, and conclusion. The results show that the innovation of the Lazisnu program can be felt by the village community with a high level of objectivity and actuality in social life accompanied by a sense of brotherhood, unity, and independence, and not to forget solid religious symbols through awareness for zakat, infaq, and shodaqoh. This research implies that it is expected to be a suggestion for institutions to continue to develop existing programs. In addition, the limitations in this study were only conducted on one Lazisnu, and the informants in this study were limited, so it is hoped that future research can explore Lazisnu in East Java so that information related to Zizwaf management is more comprehensive.
ANALISIS PAYBACK PERIOD MODAL PENYERTAAN BUMDES SENDANG AGUNG MAKMUR PADA UNIT USAHA WARUNG LAMONGAN : Payback Period, BUMDes, Participation Capital, WarLA Surur, Miftachus
GEMA EKONOMI Vol 9 No 2 (2020): GEMA EKONOMI
Publisher : Fakultas Ekonomi Universitas Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55129/https://doi.org/10.55129/.v12i4.2927

Abstract

In the management of funds which primarily sourced from participating capital, BUMDes must use various financial management analyzes so funds can be managed clearly and can achieve the objectives of the BUMDes itself. One of the analyzes can be used to manage these finances is payback period analysis, payback period analysis makes the business plan that is carried out more measurable and has a clear direction. When the analysis is in accordance with the calculations, BUMDes can easily determine the next type of business in the effort to develop the business unit of the BUMDes itself. This research a case study, with primary and secondary data sources obtained through interviews, observation and documentation which are then managed by the triangulation method. From a business point of view payback period analysis the WarLA BUMDes Sendangagung business unit takes a time 15.3 years to return capital through net income from the business unit alone, but if it calculated using the overall net income of Sendangagung BUMDes from various units existing business, it will take faster, namely 1 year or 12 months to return the capital, assuming the BUMDes net income from August to December 2020 is at least Rp. 7,703,000, -. However, when viewed from the point of view of benefits, the existence of WarLA is quite beneficial in boosting the community's enthusiasm for entrepreneurship.
PROFIT EQUALIZATION RESERVE (PER) AS AN EFFORT TO MITIGATE THE RISK OF RETURNS IN SHARI'A BANKING IN THE PERSPECTIVE OF THE RULES الْمَشَقَّةُ تَجْلِبُ التَّيْسِيْرِ Nasiruddin, Muhamad Hamam; Basyirah, Luthfiana; Surur, Miftachus
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 1 (2023): Juni 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i1.17172

Abstract

The application of Profit Equalization as an effort to mitigate the risk of returns on Islamic financial institutions, especially Islamic banking is still being a question for practitioners and academics, some groups support and some groups criticize, so this research aims to examine the application of the Profit Equalization Reserve (PER) as an effort to mitigate the risk of returns in Islamic banking perspective of third main principle,  namely الْمَشَقَّةُ تَجْلِبُ التَّيْسِيْرِ, Method in this study is a qualitative method with secondary data processing taken from literatures which related to PER management. This research shows that the risk of returns is masyaqqoh al 'azimmah, which is a serious difficulty and can affect the continuity of the Islamic banks activities. So, rukhshoh is needed which in this problem is the application of income smoothing without mitigation or with mitigation (PER), PER in this case is Takhfif Taqdim which is, risk mitigation efforts before they arise. The result of this research is that PER application is permissible and legitimate as long as it does not violate the Shari'a and Islamic economic principles, meaning that all of reports and information must be conveyed clearly to customers so as to avoid gharar elements.
ANALISIS PAYBACK PERIOD MODAL PENYERTAAN BUMDES SENDANG AGUNG MAKMUR PADA UNIT USAHA WARUNG LAMONGAN : Payback Period, BUMDes, Participation Capital, WarLA Surur, Miftachus
GEMA EKONOMI Vol 9 No 2 (2020): GEMA EKONOMI
Publisher : Fakultas Ekonomi Universitas Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55129/https://doi.org/10.55129/.v12i4.2927

Abstract

In the management of funds which primarily sourced from participating capital, BUMDes must use various financial management analyzes so funds can be managed clearly and can achieve the objectives of the BUMDes itself. One of the analyzes can be used to manage these finances is payback period analysis, payback period analysis makes the business plan that is carried out more measurable and has a clear direction. When the analysis is in accordance with the calculations, BUMDes can easily determine the next type of business in the effort to develop the business unit of the BUMDes itself. This research a case study, with primary and secondary data sources obtained through interviews, observation and documentation which are then managed by the triangulation method. From a business point of view payback period analysis the WarLA BUMDes Sendangagung business unit takes a time 15.3 years to return capital through net income from the business unit alone, but if it calculated using the overall net income of Sendangagung BUMDes from various units existing business, it will take faster, namely 1 year or 12 months to return the capital, assuming the BUMDes net income from August to December 2020 is at least Rp. 7,703,000, -. However, when viewed from the point of view of benefits, the existence of WarLA is quite beneficial in boosting the community's enthusiasm for entrepreneurship.
Co-Authors Basyirah, Luthfiana Muttaqin, M Khoirul Nasiruddin, Muhamad Hamam