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All Journal Ecopreneur.12 Justisia Ekonomika Journal Of Human And Education (JAHE) Journal of Industrial and Syariah Economics
Relita Rofiqoh
Institut Alif Muhammad Imam Syafi'i
Humanities Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS MERGER BANK SYARIAH INDONESIA (BRIS) DALAM PRESPEKTIF KAIDAH POKOK KE TIGA اَلْمَشَقَةُ تَجْلِبُ التَّيْسِيْر relita rofiqoh
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i1.7318

Abstract

Abstrak : Penelitian ini bertujuan untuk mengetahui kemungkinan yang terjadi saat dilakukan merger tiga Bank Syariah di Indonesia dan menganalisis tentang hukum merger tiga bank syariah dalam ekonomi Islam berdasarkan perspektif kaidah pokok ke tiga qawaid fiqhiyah. Jenis penelitian kualitatif ini menggunakan pendekatan studi pustaka. Hasil temuan menyatakan dengan adanya merger dapat menjawab semua tantangan yang ada dan mempermudah dari segala aspek. Hal ini sesuai dengan kaidah ketiga Al-Masyaqqah Tajlib Al-Taisir yaitu kesukaran mendatangkan kemudahan serta cabang kaidah pokok ketiga mengarah kepada fleksibiltas sesuai dengan kondisi dan keadaan yang ada. Seiring berkembangnya perbankan baik tingkat nasional maupun internasional dengan adanya merger akan mampu untuk bersaing dengan perbankan lainnya dan tujuannya untuk memperluas market share dengan memperkuat permodalan sehingga memberikan kemaslahatan bagi berbankan syariah di Indonesia.Kata Kunci ; Merger, Bank Syariah, Kaidah Pokok ke tiga
TRANSAKSI E-COMMERCE DALAM PERSPEKTIF MAQASHID SYARIAH Nuning Nurna Dewi; Achmad Fathoni Rodli; Relita Rofiqoh; Maris Wahidatul ‘Ailah; Maslahatus Saidah
Ecopreneur.12 Vol 5, No 1 (2022): April 2022
Publisher : Universitas Maarif Hasyim Latif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51804/econ12.v5i1.1697

Abstract

E-Commerce is a trade or transaction that uses electronic media such as the internet, where its use is more efficient, practical and can reach various regions and even various countries, with the convenience offered making many consumers prefer to make buying and selling transactions using e-commerce. This can be seen based on the results of revenue, obtained from the 2019 e-commerce statistics body as many as 45.30 e-commerce businesses in Indonesia that began using the internet in 2017-2018, while in 2019 as much as 25.11%. The purpose of this study is to find out how e-commerce transactions can be seen from the sharia maqashid. This type of research uses a library research approach, the source of which is obtained through books, journals and e-commerce statistical data related to this research. The results of the study show that e-commerce transactions are in accordance with the 5 (five) principles of sharia maqashid, namely: Hifdzu din (protecting religion), Hifdzu nafs (protecting souls), Hifdzu aql (protecting thoughts), Hifdzu mal (protecting assets), Hifdzu nasab (protect offspring) so that it can obtain a general benefit, benefit from the buyer's side such as making transactions easier, and benefits from the seller's side because it is more cost-effective, while from the community side provides new employment or business. The Islamic law of transactions using e-commerce is permissible based on the principle of mashlahah because human needs for technological advances are increasingly important by trying to improve and avoid technical weaknesses and sharia balance, because it cannot be denied that the mechanisms created by humans are not immune from weaknesses However, as long as it is still relatively safe and supported by proper security measures, it will create a problem for its users.
PERAN KEPEMIMPINAN TRANSFORMASIONAL TERHADAP PERKEMBANGAN BMT UGT SIDOGIRI CABANG SURABAYA Nuning Nurna Dewi; Achmad Fathoni Rodli; Maslahatus Saidah; Maris Wahidatul ‘Ailah; Relita Rofiqoh
Ecopreneur.12 Vol 5, No 1 (2022): April 2022
Publisher : Universitas Maarif Hasyim Latif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51804/econ12.v5i1.1698

Abstract

The research entitled "Transformational Leadership Role Towards the Development of BMT UGT Sidogiri Surabaya Branch" is the result of field research to answer the question: What is the transformational leadership style in BMT UGT Sidogiri Surabaya branch? What is the role of transformational leadership style towards the development of BMT UGT Sidogiri Surabaya branch?. Descriptive analysis of the analysis is describing and analyzing the data that the author obtained from observations, interviews, and documentation and conducting research at bmt UGT Sidogiri surabaya branch on the application of transformational leadership style and the role of transformational leadership style to developments in BMT UGT Sidogiri surabaya branch. The results showed that the leadership style of the head of BMT UGT Sidogiri surabaya branch has a transformational leader character according to Bass and Aviola (1994) known as "4 I", namely: (1). Idealized influence, (2). Inspirational motivation, (3). Intellectual stimulation, (4). Individualized consideration. Transformational leadership role has an impact on the development of BMT UGT Sidogiri, namely: (1). Improving Employee performance, (2). Improving employee professionalism, (3). Increasing employee creativity, (4). Increasing employee and customer confidence in BMT UGT Sidogiri Surabaya branch, (5). Improving the image of BMT UGT Sidogiri Surabaya branch
Pengenalan Dan Pendampingan Literasi Ekonomi Syariah Dalam Membangun Pemahaman Dan Keterampilan Siswa SMA Shafta Surabaya Relita Rofiqoh
Journal Of Human And Education (JAHE) Vol. 4 No. 5 (2024): Journal of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v4i5.1586

Abstract

Indeks literasi ekonomi syariah menjadi salah satu indikator yang menjadi cerminan tingkat literasi masyarakat Indonesia terhadap ekonomi syariah dan tingkat inklusi masyarakat terhadap layanan keuangan syariah. Angka literasi ekonomi syariah masih rendah meskipun Indonesia sebagai negara dengan populasi muslim terbesar di dunia. Untuk meningkatkan literasi ekonomi syariah di Indonesia, diperlukan edukasi dan sosialisasi terkait ekonomi dan keuangan syariah kepada masyarakat. Pengabdian pada masyarakat ini bertujuan untuk memberikan edukasi ekonomi syariah bagi generasi z yaitu siswa kelas X SMA Shafta Surabaya yang digunakan dalam pengabdian ini adalah ceramah mengenai ekonomi syariah, tanya jawab. Hasil dari pengabdian ini adalah adanya peningkatan literasi peserta terhadap ekonomi syariah yang dijelaskan dari hasil pre test dan post test yang dilakukan terhadap peserta pengabdian. pengenalan dan pendampingan literasi ekonomi syariah ini membuat siswa semakin faham mengenai prinsip-prinsip nilai ekonomi syariah, mengetahui bedanya antara ekonomi syariah dan konvensional selain itu, siswa juga lebih sadar mengenai skala prioritas kebutuhan yang harus diutamakan terlebih dahulu dan pentingnya label halal pada suatu produk peningkatan ini menunjukkan bahwa pelaksanaan sosialisasi dan edukasi yang dilakukan dalam kegiatan pengabdian ini sangat berpengaruh terhadap pemahaman dan literasi peserta mengenai ekonomi syariah.
REVIEW OF ISLAMIC ECONOMIC LAW IN THE FINANCING SYSTEM OF MJS PRODUCTS AT KPPS BINA SYARIAH UMMAH SUGIO BRANCH Rofiqoh, Relita; Afsal, Hamzah Maulana
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 8 No 2 (2024): Desember
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v8i2.24377

Abstract

Cooperatives are a collection of several members who produce common goals. The sources of cooperative funds are mandatory dues, principal dues, and voluntary dues. This research applies field research. There are 2 data sources, namely primary data sources (the main source and directly obtained from the research site, namely interviews) and secondary data sources (books, journals, legislation, and other literature studies). The data collection methods used are observation, interviews, and documentation. Analysis of data collection in the form of reducing, analyzing, and drawing conclusions. The results of the research on the Practice of Islamic Economic Law Review in the MJS Product Financing System (Multi Jasa Sehatera) at Kpps Bina Syariah Ummah Sugio Branch are The implementation of the ijarah contract on MJS products at Kpps Bina Syariah Ummah Sugio Branch is not by the DSN MUI Fatwa at Number 09/DSN- MUI/IV/2000 because the fatwa explains that the ijarah contract is a contract in the form of a lease between the owner and the tenant and the compensation is in the form of rent from the item (ujrah) not profit sharing. Whereas in the MJS product, there is profit sharing, which is the sharing of profits from the results of its business or from the results of loans that have been given. So MJS products are not by the DSN MUI fatwa. Researchers suggest that MJS products are by the MUI fatwa, so the rent is in the form of goods or services that can be taken advantage of, not in the form of money, and at the end of the rental period there is no such thing as profit sharing but in the form of paying rent from the goods or services being rented.
Implementasi Hukum Kartu Kredit dalam Keuangan Syariah (Ditinjau dari Syariat Islam) Rofiqoh, Relita; Patih, Husnama; Firnanda, Devi
Journal of Industrial and Syariah Economics Vol. 1 No. 2 (2024): April
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v1i2.33

Abstract

This research aims to conduct an analysis of the implementation of contracts that can be used as a legal basis for credit card products in Sharia financial institutions. In Sharia banking, the definition of credit cards is regulated by DSN-MUI Fatwa No.42/DSN-MUI/V/2004 concerning Syariah Charge Card, and No. 54/DSN-MUI/X/2006is a tool that functions like a credit card is generally based on an existing system that has several parties concerned and is based on Sharia provisions. The use of descriptive qualitative research methods in the Systematic Literature Review. Data collection through references to scientific literature, books, and previous research. The research results show that there are many parties involved in the implementation of credit card transactions and have various differences of opinion regarding the use of credit cards the determination of the credit card contract is still debated among clerics. Determination of the contract is something that is said to be important because it is related to the law of whether a transaction is haram or halal and several contracts can be combined so that you can find the appropriate contract to use in transactions. There are six possible contracts implemented in sharia financial institutions, namely kafalah, hawalah, wakalah, qardh, ijarah, and murabahah.
Co-Authors Achmad Fathoni Rodli Achmad Fathoni Rodli Afsal, Hamzah Maulana Firnanda, Devi Maris Wahidatul ‘Ailah Maris Wahidatul ‘Ailah Maslahatus Saidah Maslahatus Saidah Nuning Nurna Dewi Nuning Nurna Dewi Patih, Husnama