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All Journal Justisia Ekonomika Mabny : Journal of Sharia Management and Business Jurnal Islam Nusantara
Basyirah, Luthfiana
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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.
Implementasi Risk Management Pada Pembiayaan Tabarok (Studi Kasus di BPRS SPM Pamekasan) Basyirah, Luthfiana; Ritonga, Iskandar; Mugiyati
Mabny: Journal of Sharia Management and Business Vol. 1 No. 2 (2021): Mabny : Journal of Sharia Management and Business
Publisher : Faculty of Islamic Economics and Business, Madura Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/mabny.v1i02.4812

Abstract

Pembiayaan Tabarok (Tanpa Agunan dan Barokah) merupakan salah satu produk yang disalurkan oleh Bank Pembiayaan Rakyat Syariah SPM Pamekasan kepada masyarakat dengan menerapkan akad muḍārabah dan tanpa agunan dalam melaksanakan aktivitas UMKM. Sejak terjadi kasus Covid-19 (Corona Virus Disease- 19) yang semakin meluas di Indonesia menyebabkan lumpuhnya kondisi sosial dan ekonomi masyarakat. Tidak bisa dipungkiri bahwa hal tersebut akan sangat berpengaruh dan menyebabkan beberapa permasalahan khususnya dalam berbagai kegiatan sosial dan ekonomi. Hal tersebut juga akan berpengaruh terhadap kegiatan Perbankan Shariah, termasuk BPRS SPM Pamekasan yang akan dihadapkan dengan beberapa risiko dengan tingkatan kompleksitas yang berbeda-beda, hal tersebut akan terus berdampingan dengan kegiatan bisnis. Dengan demikian, suatu lembaga perlu melakukan implementasi manajemen risiko dengan tujuan untuk mencegah adanya risiko pembiayaan yang kemungkinan terjadi di kemudian hari. Tujuan dalam penelitian ini untuk mengetahui implementasi risk management pada pembiayaan Tanpa Agunan dan Barokah di BPRS SPM Pamekasan dengan menggunakan pendekatan kualitatif dan jenis penelitian studi kasus. Hasil penelitian menyatakan bahwa, implementasi risk management pada pembiayaan Tabarok di BPRS SPM Pamekasan menggunakan 5 (lima) proses manajemen risiko, yaitu identifikasi risiko, pengukuran risiko, monitoring risiko, pengendalian risiko, dan penyelamatan risiko.
IMPLEMENTATION OF QAWA’ID FIQHIYYAH MU’AMALAH كُلُّ قَرْضٍ جَرَّ نَفْعًا فَهُوَ رِبَا حَرَمٌ ON AL- QARDHU AL- HASAN PRODUCTS IN SYARI’AH BANKING Basyirah, Luthfiana
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 5 No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v5i2.10610

Abstract

The source of Islamic law does not only come from the Al-Qur'an and Hadith, but also in ijma ', qiyas, istihsan, maslahah mursalah, istishab,' urf, syar'u man qablana, sadd asy-syari'ah. In addition, there is also an important foundation, namely qawa'id fiqhiyyah which serves as the basis for the formation of an Islamic law. Qawa'id fiqhiyyah is one of the laws that is universal and can be implemented in all its parts, so that it can be identified as the smallest part of a law. The main objectives of this study are to determine the relationship between qawa'id fiqhiyyah and Islamic banking, the implementation of qawa'id fiqhiyyah كُلُّ قَرْضٍ جَرَّ نَفْعًا فَهُوَ رِبَا حَرَمٌ  in al-qardhu al-hasan products in Islamic banking. This research uses a qualitative approach with descriptive research type. The results of the study state that: first, there is a link between qawa'id fiqhiyyah and Islamic banking because it functions to analyze the actual problem by establishing a law of various complex problems. Second, the implementation of qawa'id fiqhiyyah كُلُّ قَرْضٍ جَرَّ نَفْعًا فَهُوَ رِبَا حَرَمٌ  on al-qardhu al-hasan products is a good thing by eliminating the benefits of the product with a tathawwu 'contract or mutual assistance agreement, not a commercial transaction.
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.
Co-Authors Iskandar Ritonga Mugiyati Muttaqin, M Khoirul Nasiruddin, Muhamad Hamam Surur, Miftachus