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Penerapan Akad Al-Qardhul Hasan Pada Pembiayaan Lazisma di BMT NU Cabang Tanggul Imam, Imam Khosiri; Istikomah; Muhammad Syafi'i
Islamic Economics, Finance, and Banking Review Vol. 4 No. 2 (2024): December
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/iefbr.v4i2.11115

Abstract

Penelitian ini untuk menganalisis tentang penerapan dari akad al-qardhul hasan pada pembiayaan lazisma yang merupakan produk pembiayaan yang ditawarkan oleh BMT NU Cabang Tanggul. Penelitian ini fokus pada akad al-qardhul hasan yang digunakan didalam pembiayaan lazisma dan juga menganalisis nasabah prioritas dalam pembiayaan lazisma. Metode yang digunakan pada penelitian ini adalah kualitatif dengan mengunakan teknik observasi, wawancara dan dokumentasi untuk mengumpulkan data dan juga mengunakan artikel dan jurnal untuk memastikan data yang diperoleh itu benar. Hasil dari penelitian ini adalah untuk mengetahui bahwa akad al-qardhul hasan yang diterapkan didalam pembiayaan lazisma yang ada di BMT NU Cabang Tanggul telah dilakukan sesuai dengan ketentuan yang ada di BMT NU Cabang Tanggul dan sesuai pedoman syariat islam yang berlandaskan Al-Quran, Hadist, Fatwa DSN MUI dan juga diketahui bahwa analisis prioritas nasabah pada pembiayaan lazisma sudah dilakukan dengan baik sesuai syarat dan kriteria yang ada di BMT NU Cabang Tanggul guna memperoleh nasabah yang sesuai untuk diberikan pembiayaan berupa modal kerja.
Manajemen Pembelajaran Metode Bil Qolam dalam Meningkatkan Kemampuan Membaca Al-Qur’an soraya aisyah; Istikomah

Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/muallim.v7i2.6033

Abstract

The purpose of this study is to describe the Learning Management of Bil Qolam Method in Improving Students' Al-Qur'an Reading Ability at SMP Plus Sabilur Rosyad. This study puts forward the elements of planning, organizing, implementing, supervising, and evaluating. The approach applied in this study is descriptive qualitative. Data were collected through observations and interviews, then analyzed through the stages of data condensation, data presentation, and conclusion drawing. The research findings revealed that in the planning management of the Bil Qolam method at SMP Plus Sabilur Rosyad, the teacher had prepared a Teaching Program Plan and an assessment sheet. In the organizing stage, the teacher conducts the process of grouping students based on their respective abilities to determine the level of the volume by conducting a reading test of the Qur'an. At the implementation stage, the Bil Qolam method begins with greetings, learning activities, closing prayers. At the supervision stage, the Bil Qolam coordinator is in charge of leading the success of the learning management process and getting support from the principal as the person in charge. In the evaluation stage, the Bil Qolam method is obtained from the assessment results every week which are then recapitulated. The management of the Bil Qolam method has been implemented quite well and can improve students' ability to read the Qur'an. Although there are still a few obstacles faced, namely teachers need to improve teaching competence and lack of time allocation.
Islamic Religious Education Learning Management in the Merdeka Curriculum at Asa Cendekia Junior High School Silvana Izza Rahma Dewi; Istikomah
Mudir : Jurnal Manajemen Pendidikan Vol. 7 No. 2 (2025): Juli : Mudir : Jurnal Manajemen Pendidikan
Publisher : Prodi. Manajemen Pendidikan Islam, Fakultas Tarbiyah, Institut Pesantren Sunan Drajat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/v8h82k71

Abstract

Islamic Religious Education (PAI) learning management in the Merdeka Belajar Curriculum emphasizes flexibility and creativity in teaching. This curriculum is designed to improve the quality of education, educators must be given the opportunity to develop more innovative and responsive learning methods that suit the needs of students. In this context, PAI learning in the Merdeka Curriculum focuses more on strengthening character education. Therefore, educators are expected to use learning management proportionally through the steps of planning, organizing, implementing, and evaluating. This study examines the learning management of Islamic Religious Education in the Merdeka Curriculum at Asa Cendekia Junior High School. This research was conducted using a qualitative method through data collection using interviews, observation, and documentation involving the principal and Islamic Religious Education (PAI) subject teachers. The results showed that the implementation of Islamic Religious Education learning management at Asa Cendekia Junior High School is well structured and integrated. This has a positive impact, not only on academic achievement, but also on the character building of students as noble individuals.
Manajemen Pembelajaran Metode Bil Qolam dalam Meningkatkan Kemampuan Membaca Al-Qur’an soraya aisyah; Istikomah
Mu'allim Vol 7 No 2 (2025): JULI 2025
Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/muallim.v7i2.6033

Abstract

The purpose of this study is to describe the Learning Management of Bil Qolam Method in Improving Students' Al-Qur'an Reading Ability at SMP Plus Sabilur Rosyad. This study puts forward the elements of planning, organizing, implementing, supervising, and evaluating. The approach applied in this study is descriptive qualitative. Data were collected through observations and interviews, then analyzed through the stages of data condensation, data presentation, and conclusion drawing. The research findings revealed that in the planning management of the Bil Qolam method at SMP Plus Sabilur Rosyad, the teacher had prepared a Teaching Program Plan and an assessment sheet. In the organizing stage, the teacher conducts the process of grouping students based on their respective abilities to determine the level of the volume by conducting a reading test of the Qur'an. At the implementation stage, the Bil Qolam method begins with greetings, learning activities, closing prayers. At the supervision stage, the Bil Qolam coordinator is in charge of leading the success of the learning management process and getting support from the principal as the person in charge. In the evaluation stage, the Bil Qolam method is obtained from the assessment results every week which are then recapitulated. The management of the Bil Qolam method has been implemented quite well and can improve students' ability to read the Qur'an. Although there are still a few obstacles faced, namely teachers need to improve teaching competence and lack of time allocation.
Pengaruh Promosi Gadai Emas Terhadap Minat Nasabah Pada Bank Syariah Indonesia (Studi Kasus BSI KCP Banyuwangi Rogojampi) Juan Felix; Dimas Herliandi Shodiqin; Istikomah
Islamic Economics, Finance, and Banking Review Vol. 5 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/iefbr.v5i1.12352

Abstract

Gadai merupakan praktik transaksi keuangan yang sudah lama dalam sejarah peradaban manusia. Sistem rumah gadai yang paling tua terdapat di Negara Cina pada 3.000 tahun yang silam, juga di Benua Eropa dan kawasan laut tengah pada zaman Romawi dahulu. Namun di Indonesia, praktik gadai sudah berumur ratusan tahun, yaitu dimana warga masyarakat telah terbiasa melakukan transaksi hutang-piutang dengan jaminan barang. Penelitian bertujuan untuk mengetahui seberapa besar pengaruh promosi gadai emas terhadap minat nasabah pada Bank Syariah Indonesia BSI KCP Banyuwangi Rogojampi 1. Metode penelitian yang digunakan adalah kuantitatif dapat diartikan sebagai metode penelitian yang berdasarkan pada filasafat positifisme, digunakan untuk meneliti pada populasi atau sempel tertentu pengumpulan data menggunakan instrumen penelitian, analisis data bersifat kuantitatif atau statistik, dengan tujuan untuk menguji hipotesis yang telah ditetapkan. Dalam penelitian ini peneliti menggunakan pendekatan survei. Pendekatan survei adalah salah satu dari pendekatan penelitian yang pada umumnya digunakan untuk pengumpulan data serta infomasi yang luas dan banyak.
Management of Ma’had Integration into the Faculty of Islamic Religion: Pengelolaan Integrasi Ma’had ke dalam Fakultas Agama Islam Febriantania, Putri; Istikomah
Journal of Islamic and Muhammadiyah Studies Vol 7 No 2 (2025): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jims.v7i2.1644

Abstract

General background: Integration between Islamic educational institutions and universities is essential to strengthen quality and sustainability. Specific background: Ma’had Umar bin Al Khattab Sidoarjo, originally established by the Asia Muslim Charity Foundation, was later integrated into the Faculty of Islamic Studies at Muhammadiyah University of Sidoarjo (FAI UMSIDA). Knowledge gap: Previous studies have discussed pesantren–school integration, but little attention has been given to Ma’had–university integration from a management perspective. Aims: This study examines the management of Ma’had’s integration into FAI UMSIDA, focusing on human resources, curriculum, and student affairs. Results: Using a qualitative field research approach with observation, interviews, and document review, the study reveals that a semi-integration model was applied, allowing Ma’had to maintain autonomy while aligning with university systems. Novelty: The study introduces a management framework where semi-integration preserves institutional identity yet fosters structural coordination. Implications: Findings provide guidance for Islamic higher education institutions undergoing similar transitions and contribute to theoretical development in Islamic education management. Highlights: Semi-integration sustains Ma’had autonomy within university systems. Management covers HR, curriculum, and student affairs restructuring. Offers a framework for Islamic higher education integration. Keywords: Ma’had Integration; Islamic Education; Curriculum Management; Human Resources; Student Affairs
Implementasi Halal Value Chain Dalam Mewujudkan Ekosistem Halal pada Produk Unggulan UD Mitra Jamur Jember Hasanah, Miftahul; Istikomah; Muhammad Syafii
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 2 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i2.1131

Abstract

Indonesia is a country with a majority Muslim population. As a Muslim, of course, you must obey Allah's commands and stay away from his prohibitions, such as the obligation to consume halal food. This is a form of obedience to religious law (shariah compliance). In 2024, Indonesia wants to become the center of the world's halal industry through various instruments that can make this happen. The halal industry certainly starts with instilling halal values ​​from upstream to downstream which is called the Halal Value Chain and can be internalized by all business actors so that they can realize the Islamic Ecosystem in Indonesia. This study aims to find out how the development of the halal industry in Indonesia is, how the halal value chain process on UD Mitra Mushroom's superior products creates a halal ecosystem, and how is the impact of the halal value chain on UD Mitra Mushroom's superior products to create a halal ecosystem. The research method used is descriptive qualitative with field research specifications with research subjects namely owners, members/workers, and consumers of UD products. The results of this study are that every production process at UD Mitra Mushroom is always required to comply with operational standards (SOP) that are applied continuously. The mushroom raw materials used are harvested from their own agricultural products so that their quality can be maintained. Halal certification has been obtained for several processed mushroom products obtained through halal certification assistance activities carried out by halal assistants from the Muhammadiyah University of Jember and had an impact on increasing sales turnover of these processed mushrooms
Pengukuran Dampak Sosial Sebagai Alat Tata Kelola Dan Akuntabilitas Pengelolaan Wakaf Produktif Pemanfaatan Tanah Wakaf Sebagai Lahan Parkir (Studi Kasus PCM Balung) Istikomah; Hasanah, Miftahul
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 6 No. 1 (2024): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v6i1.1806

Abstract

Muhammadiyah adalah salah satu gerakan Islam yang meiliki jumlah asset wakaf sangat besar. Tercatat 28.669 aset wakaf yang dimiliki Muhammadiyah. Jumlah yang sangat besar ini sekaligus menunjukkan keberhasilan Muhammadiyah dalam persoalan tata kelola dan akuntabilitas pengelolaan wakaf. PCM Balung adalah salah satu Amal Usaha Muhammadiyah (AUM) yang memiliki asset wakaf produktif yang dimanfaatkan sebagai lahan parkir. Penelitian ini bertujuan untuk mengetahui seberapa besar dampak sosial pengelolaan wakaf produktif pemanfaatn lahan parkir di PCM Balung. Adapun metode yang digunakan adalah analisis SROI (Social Return and Investment). Analisis SROI digunakan untuk pengukuran dan pelaporan nilai sosial, lingkungan, dan ekonomi yang dihasilkan oleh sebuah organisasi berdasarkan analisis manfaat-biaya, akuntansi sosial, dan audit sosial. SROI adalah alat yang dapat dipergunakan untuk membuktikan serta memperbaiki. Data yang dipergunakan untuk menganalisis SROI didapatkan dari: (1) Dokumen laporan pengelolaan wakaf produktif pengelolaan lahan parker di PCM Balung; (2) Data/laporan yang terdapat pada komunitas / kelompok sasaran; (3) Hasil wawancara dan diskusi dengan pemangku kepentingan kunci seperti pimpinan PCM Balung, pendamping program, dan pihak nadhir wakaf PCM Balung. Pengambilan data menggunakan teknik wawancara mendalam (indepth interview), FGD dengan pimpinan PCM Balung dan review data sekunder yang diberikan oleh PCM Balung
IMPLEMENTASI AKAD IJARAH DALAM PRAKTIK SEWA MENYEWA TANAH PERTANIAN: ANALISIS PERSPEKTIF EKONOMI SYARIAH DI DESA MUNDUREJO, KABUPATEN JEMBER Muftil Umam Ilham Zamzami; Syafi'i, Muhammad; Istikomah
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): I`thisom Edisi Oktober
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i2.204

Abstract

This study discusses the practice of land leasing using the ijarah contract implemented by farmers in Mundurejo Village, Umbulsari District, Jember Regency. An interesting phenomenon in this research is that farmers lease vacant land to plant orange trees, which requires a relatively long period since orange trees take 2 to 3 years to begin producing fruit. The purpose of this study is to understand how the land leasing system is applied in Mundurejo Village and to examine its compliance with Islamic legal perspectives. This research uses a qualitative approach with a descriptive method. Data were collected through direct observation, interviews with parties involved in the leasing activities, and documentation of the leasing agreements used. The results show that the practice of land leasing in Mundurejo Village aligns with the principles of the ijarah contract in Islam. Farmers and landowners carry out written agreements that clearly state the object of the lease, the duration, the amount of ujrah (rental price), and terms related to land management. From the perspective of Islamic law, this practice is considered valid as it fulfills the pillars and conditions of ijarah and is based on fairness and mutual consent between the parties.
IMPLEMENTASI ZAKAT PRODUKTIF TERHADAP PENGENTASAN KEMISKINAN DI BAZNAS KABUPATEN SITUBONDO Fitria Desi Nuri Cahyani; Muhammad Dhofir Catur Bashori; Istikomah
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): I`thisom Edisi Oktober
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i2.224

Abstract

Zakat is a vital instrument in the Islamic economic system, aimed at promoting social justice and reducing economic inequality. In regions with high poverty rates, productive zakat serves as an alternative strategy to help mustahik (zakat recipients) achieve sustainable economic improvement. The National Amil Zakat Agency (BAZNAS) of Situbondo Regency actively implements productive zakat through various community economic empowerment programs. This study aims to examine (1) how productive zakat is implemented by BAZNAS Situbondo to improve the economic conditions of mustahik and (2) the supporting and inhibiting factors affecting its effectiveness as a poverty alleviation instrument. A qualitative descriptive approach was employed, with data collected through observation, in-depth interviews, and documentation. Informants included BAZNAS managers and mustahik who received productive zakat. Data analysis involved data reduction, presentation, and conclusion drawing. The findings indicate that productive zakat positively impacts mustahik’s economic conditions, including increased income, improved business independence, and reduced reliance on social assistance. Programs such as small business capital assistance and skills training are essential components of the economic empowerment strategy. Supporting factors include the commitment of BAZNAS managers, active community participation, and collaboration with other institutions. Inhibiting factors comprise limited zakat funds, insufficient continuous assistance, and low financial literacy among mustahik. In conclusion, productive zakat is an effective instrument for poverty alleviation when managed in a targeted and sustainable manner, with active involvement from all relevant stakeholders. The program demonstrates that zakat, when combined with guidance and empowerment strategies, can foster long-term economic resilience among recipients.