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All Journal Jurnal Penelitian Ilmiah INTAJ Iqtishodia: Jurnal Ekonomi Syariah MAQASHID : Jurnal Hukum Islam Al-Mizan: Jurnal Hukum Islam dan Ekonomi Syariah J-CEKI
Adib, Roisul
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Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Preference of Santri in Increasing Interest of Saving at Sharia Banks in Malang Regency : Study at Islamic Boarding School of Annur Bululawang Roisul Adib
Iqtishodia: Jurnal Ekonomi Syariah Vol. 6 No. 1 (2021): March
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v6i1.262

Abstract

At present the sharia banking sector is experiencing relatively rapid growth. Islamic banking is able to show high acceleration of growth with an average growth of 40.20% per year in the last five years (2015-2020). While the average national banking growth was only 16.7%. Therefore, Islamic banking is nicknamed "The fastest growing industry". This rapid growth can be seen from the financial ratios of Islamic banks which show that Islamic banks have a good level of health. Of course there are some things that need to be known to cause an increase in financial ratios including knowledge, religiosity, bank products and services. This study aims to determine the preferences of students saving interest towards Islamic banks. This research method is quantitative research with data analysis techniques using Correlation Research using SPSS software. Data collection uses stratified random sampling by taking 81 samples from various strata. The results of this study indicate that there is an influence of Knowledge, Religiosity, Bank Products, Services on students' interest in saving students, which means the hypothesis is accepted.
TINJAUAN HUKUM EKONOMI ISLAM TERHADAP SISTEM PENGUPAHAN : Studi Pada Home Industry Roti Alfan Alfin Putatlor Gondanglegi Malang adib, roisul; Lailatul Mukarromah
Jurnal Penelitian Ilmiah INTAJ Vol. 8 No. 1 (2024): hazy
Publisher : LP3M IAI Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/intaj.v8i1.1159

Abstract

In the wage process, the conditions for wages must be carefully considered and of course they must also be in accordance with conventional wage provisions and Islamic economic law. Based on this background, the researcher wants to know what kind of wage system is practiced by the Alfan Alfin Breadhome industry and what is the review of Islamic economic law on the wage system implemented there. This is a field research. The sources of data used are primary data obtained from interviews and observations, and secondary data which is obtained from books related to the theme studied. The results of the research above are that the first wage for the Alfan Alfin Bread home industry applies a wage system based on unity or results, that is, the amount of wage received by employees is in accordance with the amount of production or results that have been obtained or produced by each employee as agreed before work. Where the wages are given every month. Secondly, Islamic law's review of this kind of wage system is valid as well as in accordance with the provisions because it is based on the principle of justice. The employees and business owners are mutually willing and do not feel disadvantaged.
REVIEW OF ISLAMIC LAW ON GOAT PRODUCTION SHARING: case study in the village of Gandanglegi, Malang adib, roisul
MAQASHID Jurnal Hukum Islam Vol. 6 No. 2 (2023): Nov 2023
Publisher : Ahwal Al-Syakhsiyyah Fakultas Syariah - Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/maqashid.v6i2.1166

Abstract

In social life there must be such things as rules to guide. In the state, laws are used as rules and prohibitions as well as sanctions for every individual or group who violates them. In Islam, many kinds of laws are used, one of which is Islamic law regarding buying and selling, namely muamalah fiqh. In this business, you entrust pets to other people. The results of this research can be concluded that the Study of Goat Livestock Results in the Perspective of Sharia Economic Law in Ganjaran Village is a type of Syirkah Mudharabah which is carried out orally. Sharing the results of goat farming is still done according to custom, namely by the goats that are born, if one goat is born then it is sold first and then divided in half. If a goat gives birth to 2 goats, each of them gets 1 goat. The second way to share the results is by taking turns with the goat kids, the first born child goes to (mudharib) the second child goes to (shahibul mall) and so on, while for male goats the way to share the results is by selling them first, then the profits from the sale are divided into two.
STRATEGI PEMASARAN PRODUK TABUNGAN UMUM SYARI’AH DENGAN AKAD MUDHARABAH: BMT-UGT Nusantara adib, roisul; Syarofi, Ahmad Muhtar; Azzahro , Amalia Rizka
MAQASHID Vol. 7 No. 2 (2024): Nov 2024
Publisher : Malang Prodi. Ahwal Al-Syakhsiyyah, IAI Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/maqashid.v7i2.1786

Abstract

The marketing strategy of sharia general savings products with a mudharabah contract at BMT-UGT Nusantara Capem Bantur uses the Mudharabah Agreement, namely the BMT plays the role of Mudharib and the members play the role of Shahibul Maal. The profits from the business are distributed according to the initial agreement between the two parties, which is 70%: 30%. This study uses qualitative methods obtained from primary and secondary data, with data collection through observation, documentation and interviews. Then the analysis technique used is to use a descriptive method, namely by providing a description of the subject being researched. The results of this study conclude that the first BMT-UGT Nusantara Capem Bantur has implemented 2 (two) types of marketing strategies, namely internal and external strategies. As for the internal: The internal strategy carried out is to determine employees who are originally domiciled in Bantur village even if they move from another village as long as they have settled in Bantur village, while externally: The external strategy carried out is to collaborate with partners, school institutions, community organizations (Muslimat), and sugarcane farmer groups. The two obstacles experienced when carrying out marketing activities carried out by BMT-UGT Nusantara Capem Bantur are the lack of public trust in financial institutions that have a background so dark that they experience trauma due to fraudulent investments, lack of public awareness of halal transactions, and people are used to using deposit services in conventional banks and the difficulty of finding genuine employees
REVIEW OF ISLAMIC LAW ON GOAT PRODUCTION SHARING: case study in the village of Gandanglegi, Malang adib, roisul
MAQASHID Vol. 6 No. 2 (2023): Nov 2023
Publisher : Malang Prodi. Ahwal Al-Syakhsiyyah, IAI Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/maqashid.v6i2.1166

Abstract

In social life there must be such things as rules to guide. In the state, laws are used as rules and prohibitions as well as sanctions for every individual or group who violates them. In Islam, many kinds of laws are used, one of which is Islamic law regarding buying and selling, namely muamalah fiqh. In this business, you entrust pets to other people. The results of this research can be concluded that the Study of Goat Livestock Results in the Perspective of Sharia Economic Law in Ganjaran Village is a type of Syirkah Mudharabah which is carried out orally. Sharing the results of goat farming is still done according to custom, namely by the goats that are born, if one goat is born then it is sold first and then divided in half. If a goat gives birth to 2 goats, each of them gets 1 goat. The second way to share the results is by taking turns with the goat kids, the first born child goes to (mudharib) the second child goes to (shahibul mall) and so on, while for male goats the way to share the results is by selling them first, then the profits from the sale are divided into two.
STRATEGI PEMASARAN PRODUK TABUNGAN UMUM SYARI’AH DENGAN AKAD MUDHARABAH: BMT-UGT Nusantara adib, roisul; Syarofi, Ahmad Muhtar; Azzahro , Amalia Rizka
MAQASHID Vol. 7 No. 2 (2024): Nov 2024
Publisher : Malang Prodi. Ahwal Al-Syakhsiyyah, IAI Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/maqashid.v7i2.1786

Abstract

The marketing strategy of sharia general savings products with a mudharabah contract at BMT-UGT Nusantara Capem Bantur uses the Mudharabah Agreement, namely the BMT plays the role of Mudharib and the members play the role of Shahibul Maal. The profits from the business are distributed according to the initial agreement between the two parties, which is 70%: 30%. This study uses qualitative methods obtained from primary and secondary data, with data collection through observation, documentation and interviews. Then the analysis technique used is to use a descriptive method, namely by providing a description of the subject being researched. The results of this study conclude that the first BMT-UGT Nusantara Capem Bantur has implemented 2 (two) types of marketing strategies, namely internal and external strategies. As for the internal: The internal strategy carried out is to determine employees who are originally domiciled in Bantur village even if they move from another village as long as they have settled in Bantur village, while externally: The external strategy carried out is to collaborate with partners, school institutions, community organizations (Muslimat), and sugarcane farmer groups. The two obstacles experienced when carrying out marketing activities carried out by BMT-UGT Nusantara Capem Bantur are the lack of public trust in financial institutions that have a background so dark that they experience trauma due to fraudulent investments, lack of public awareness of halal transactions, and people are used to using deposit services in conventional banks and the difficulty of finding genuine employees
Productive Zakat in Yusuf Qardha Community Economic Empowerment Through Productive Zakat in Yusuf Qardhawi's Fiqh Perspective Adib, Roisul
Iqtishodia: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2022): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v7i1.2062

Abstract

Zakat in Islam is the right of the poor that is found in some of the assets of people who are obliged to pay zakat. And zakat also in the era of the glory of Islam has proven to play a very important role in improving the welfare of the people and zakat is made as a responsibility for Muslims to help each other. Yusuf Qardhawi defines zakat as part of the wealth that has been determined by Allah SWT to be distributed to people who deserve to get it. The form of zakat in the form of money is categorized into two types, namely consumptive zakat and productive zakat, where the majority of Muslims mostly know about consumptive zakat and do not know about productive zakat which can last in the long term. From this background, the authors formulate the problems, among others: the view of productive zakat according to Fiqh Yusuf Qardhawi and community economic empowerment through productive zakat. As for getting maximum results, the type of research used is normative research, while the qualitative approach is in the form of a literature study which is intended to describe current or past phenomena and also to compare different opinions about the problems being studied. As a result, according to Yusuf Qardhawi, Zakat is a Maliyah Ijtimaiyah worship which can be interpreted as a social worship related to the benefit of the people. Yusuf Qardhawi gives two points, first, the role of zakat in overcoming economic problems in society and second, the management of zakat which can support success in zakat.
TINJAUAN HUKUM EKONOMI ISLAM TERHADAP SISTEM PENGUPAHAN : Studi Pada Home Industry Roti Alfan Alfin Putatlor Gondanglegi Malang adib, roisul; Lailatul Mukarromah
Jurnal Penelitian Ilmiah INTAJ Vol. 8 No. 1 (2024): hazy
Publisher : LP3M IAI Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/intaj.v8i1.1159

Abstract

In the wage process, the conditions for wages must be carefully considered and of course they must also be in accordance with conventional wage provisions and Islamic economic law. Based on this background, the researcher wants to know what kind of wage system is practiced by the Alfan Alfin Breadhome industry and what is the review of Islamic economic law on the wage system implemented there. This is a field research. The sources of data used are primary data obtained from interviews and observations, and secondary data which is obtained from books related to the theme studied. The results of the research above are that the first wage for the Alfan Alfin Bread home industry applies a wage system based on unity or results, that is, the amount of wage received by employees is in accordance with the amount of production or results that have been obtained or produced by each employee as agreed before work. Where the wages are given every month. Secondly, Islamic law's review of this kind of wage system is valid as well as in accordance with the provisions because it is based on the principle of justice. The employees and business owners are mutually willing and do not feel disadvantaged.
Pertanggungjawaban Hukum Positif dan Syariah terhadap Penyalahgunaan QRIS sebagai Instrumen Pembayaran Digital di Indonesia Fadli, M Uzzafillah; Adib, Roisul
Al-Mizan Vol 12 No 2 (2025): Al-Mizan
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam (IAI) Al-Aziziyah Samalanga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54621/jiam.v12i2.1119

Abstract

Perkembangan sistem pembayaran digital telah menjadikan Quick Response Code Indonesian Standard (QRIS) sebagai instrumen transaksi yang luas digunakan di Indonesia. Meskipun memberikan kemudahan dan efisiensi, penggunaan QRIS juga menimbulkan risiko hukum baru, khususnya penipuan dan pemalsuan kode QR yang merugikan konsumen dan pelaku usaha. Penelitian ini bertujuan untuk menganalisis pertanggungjawaban hukum atas penyalahgunaan QRIS berdasarkan perspektif hukum positif dan hukum syariah. Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan peraturan perundang-undangan, putusan pengadilan, dan doktrin hukum sebagai sumber data sekunder. Hasil penelitian menunjukkan bahwa pelaku pemalsuan QRIS dapat dimintai pertanggungjawaban pidana berdasarkan Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik serta ketentuan dalam Kitab Undang-Undang Hukum Pidana terkait penipuan dan pemalsuan. Dalam perspektif hukum syariah, penyalahgunaan QRIS merupakan perbuatan yang melanggar prinsip muamalah, seperti larangan gharar, tadlis, dan pengambilan harta secara batil, sehingga mewajibkan penggantian kerugian (dhaman) dan memungkinkan penerapan sanksi ta’zir. Penyedia layanan QRIS memiliki kewajiban hukum untuk menjamin keamanan transaksi sesuai Peraturan Anggota Dewan Gubernur Nomor 21/18/PADG/2019 dan prinsip hifz al-mal. Konsumen berhak memperoleh perlindungan hukum dan ganti rugi berdasarkan Undang-Undang Perlindungan Konsumen serta nilai keadilan dan maslahah dalam syariah. Otoritas Jasa Keuangan (OJK) berperan penting dalam pengawasan, penegakan, dan edukasi. Integrasi hukum positif dan hukum syariah menjadi kunci dalam mewujudkan ekosistem transaksi digital yang aman dan berkeadilan.
Optimalisasi Syahriyah untuk Mewujudkan Kemandirian Ekonomi Pesantren Studi Pondok Pesantren Raudlatul Mubtadiin Ganjaran Gondanglegi Malang Adiansyah, Adiansyah; Adib, Roisul
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 2: Februari 2026
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v5i2.12939

Abstract

Penelitian ini bertujuan untuk menganalisis bagaimana optimalisasi syahriyah dapat mewujudkan kemandirian ekonomi di Pondok Pesantren Raudlatul Mubtadiin Ganjaran Gondanglegi Malang. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data diperoleh melalui observasi, wawancara mendalam dengan pengelola pesantren, serta dokumentasi laporan keuangan. Analisis data dilakukan secara tematik dengan menelaah pola pengelolaan syahriyah dan dampaknya terhadap kemandirian ekonomi pesantren. Hasil penelitian menunjukkan bahwa syahriyah memiliki peran vital dalam menjaga stabilitas keuangan pesantren serta menjadi dasar dalam membangun unit usaha produktif, seperti koperasi pesantren dan kegiatan kewirausahaan santri. Pengelolaan dana dilakukan dengan prinsip transparansi, akuntabilitas, dan tanggung jawab sosial sesuai nilai-nilai ekonomi syariah. Meskipun demikian, tantangan masih ditemukan pada keterbatasan nominal iuran, rendahnya literasi keuangan pengurus, serta belum optimalnya penerapan sistem digital. Pesantren telah menunjukkan komitmen kuat melalui peningkatan tata kelola keuangan, pelatihan manajerial, dan kerja sama dengan lembaga eksternal. Kesimpulannya, optimalisasi syahriyah di Pesantren Raudlatul Mubtadiin terbukti efektif dalam mendukung kemandirian ekonomi berbasis nilai keislaman, meskipun masih memerlukan penguatan pada aspek inovasi, profesionalitas, dan digitalisasi keuangan agar keberlanjutan ekonomi pesantren semakin terwujud.
Co-Authors Adiansyah Adiansyah, Adiansyah Azzahro , Amalia Rizka Fadli, M Uzzafillah Lailatul Mukarromah Syarofi, Ahmad Muhtar