Claim Missing Document
Check
Articles

Found 19 Documents
Search

Analisa Manajemen Resiko Untuk Mengurangi Moral Hazard Nasabah Pembiayaan Murabahah BRI Syariah Pare M. Soleh Mauludin
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol 6 No 2 (2020): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the extent to which risk management is carried out by Islamic banks in minimizing losses due to moral hazard committed by murabahah financing customers. Research that uses a qualitative approach, agency theory, and research objects at BRI Syariah Pare in 2019 resulted in findings that BRI Syariah uses the 5C analysis process, namely character, capacity, capital, collateral ), and conditions (conditions) in order to minimize moral hazard for murabahah financing customers.
Islamic Law’s View of Monopoly And Its Impact on Monoplistic Practices in Indonesia M Soleh Mauludin
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol 7 No 1 (2021): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/faqih.v7i1.301

Abstract

This research aims to examine how Islamic law views the concept of monopoly, as well as the impact of that view on monopoly practices in Indonesia. Using a descriptive qualitative approach, this study concluded that Islamic law's view of monopoly influences monopoly practices in Indonesia. The practice of monopoly in Indonesia takes the opinion of Islamic law which states that monopolies are allowed as long as it has a positive impact on society. This opinion is then applied in government policy to monopolize certain business areas, where the goal is to meet the needs of the community for primary goods at a reasonable price. The limitation of this study is that it does not analyze other factors that influence the government's monopoly policy. Keywords: Islamic law, monopoly
Analisis Manajemen Pendistribusian Zakat Infaq Shodaqoh di Baitul Maal Hidayatullah dalam Mensejahterakan Masyarakat di Masa Pandemi Covid-19 M. Soleh Mauludin; Ayu Wulandini Putri Pratama
Salimiya: Jurnal Studi Ilmu Keagamaan Islam Vol 2 No 1 (2021): Salimiya
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian kepada Masyarakat (LP3M) IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (801.558 KB) | DOI: 10.2906/salimiya.v2i1.287

Abstract

This study aims to find out the extent of distribution of ZIS is able to improve the welfare of individuals who are entitled to receive during the Covid-19 pandemic. By using qualitative approach and theory of community welfare, the research that took the object of research in Baitul Maal Hidayatullah resulted in the conclusion that the distribution of ZIS is able to improve the welfare of recipients in terms of materials, such as foodstuffs and so on. In addition, it is also able to improve spiritual well-being which includes morals, ethics, harmony of adjustment, and so on. However, the distribution of ZIS has not been able to improve welfare in mental aspects, such as educational facilities, cultural environment.
Manajemen Risiko pada Pembiayaan Musyarakah BRI Syariah M. Soleh Mauludin
WADIAH Vol. 3 No. 1 (2019): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (586.476 KB) | DOI: 10.30762/wadiah.v3i1.3000

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana manajemen resiko yang dilakukan oleh Bank BRI Syariah dalam meminimalkan moral hazard nasabah pembiayaan musyarakah. Dengan menggunakan metode kualitatif serta pendekatan studi kasus, penelitian ini menhasilkan kesimpulan bahwa upaya yang dilakukan oleh BRI Syariah Pare dalam meminimalkan moral hazard dalam pembiayaan musyarakah adalah dengan menggunakan proses analisis 5C yaitu character (karakter), capacity (kapasitas), capital (modal), collateral (jaminan), dan condition (kondisi), dan dengan prosedur sebagai berikut ; melakukan survey, pengawasan sebelum pencairan, pengawasan langsung, pengawasan tidak langsung, dan tindakan revitalisasi. Salah satu cara yang bisa dilakukan adalah dengan menekan terjadinya moral hazard yang dilakukan oleh nasabah dengan cara memperbaiki kualitas manajemen risiko yang dilakukan oleh bank syariah. Oleh karena itu, penelitian ini bertujuan untuk mengetahui bagaimana manajemen risiko yang diterapkan oleh bank dalam meminimalkan moral hazard tersebut. Upaya yang dilakukan oleh BRI Syariah Pare dalam meminimalkan moral hazard dalam pembiayaan musyarakah adalah dengan menggunakan proses analisis 5C yaitu character (karakter), capacity (kapasitas), capital (modal), collateral (jaminan), dan condition (kondisi). Langkah-langkah yang dilakukan BRI Syariah Pare, meminimalkan moral hazard dalam pembiayaan musyarakah d yaitu dengan cara melakukan survey, pengawasan sebelum pencairan, pengawasan langsung, pengawasan tidak langsung, dan tindakan revitalisasi. Agar dalam kontrak musyarakah dapat meminimalkan moral hazard, maka diterapkan manajemen risiko pembiayaan menjadi perhatian semua pihak mulai dari pemerintah, Bank Indonesia, lembaga keuangan agar tidak terjadi hal-hal yang tidak diinginkan di kemudian hari dan nasabah sebagai tanggung jawab pribadi untuk saling melindungi. Pada obyek akad dalam melakukan usaha pembiayaan musyārakah, seharusnya usaha dilakukan oleh kedua belah pihak, jadi antara kedua belah pihak bisa mengetahui perkembangan secara langsung karena ikut andil dalam pengelolahannya. Dalam akad pembiayaan musyārakah seharusnya juga dijelaskan bagaimana tata cara perhitungan bagi hasil, agar nasabah dapat memahami standar akad pembiayaan musyārakah secara keseluruhan. Dalam pengukuran risiko sebuah pembiayaan, sebaiknya BRI Syariah Pare melakukan sebuah pengukuran risiko dilaksanakan dengan melakukakan evaluasi secara berkala terhadap usaha nasabah. Dalam pemantauan risiko BRI Syariah Pare,seharusnya melakukan cara pemantauan risiko yang dilakukan dengan cara penyempurnaan proses pelaporan apabila terdapat perubahan kegiatan usaha, produk, transaksi, faktor risiko, teknologi informasi dan sistem informasi manajemen risiko yang bersifat material, agar risiko yang besar tidak terjadi. Untuk penelitian selanjutnya, peneliti dapat membahas manajemen risiko pada pembiyaan musyārakah secara mendalam mengenai moral hazard dalam laopran keuangan oleh nasabah pembiayaan musyarakah. Dengan demikian praktek moral hazard dapat diminimalkan sehingga nasabah benar- benar melaporkan hasil usahanya dengan jujur. Bila hal ini dapat diterapkan, maka pembagian nisbah keuntungan dapat dilakukan secara fluktuatif berdasarkan keuntungan riil yang diperoleh.
Philanthropy Kepada Non Muslim Dan Pengaruhnya Terhadap Pluralisme Kaum Muslim (Perspektif Maqashid Syariah) M Soleh Mauludin; Zakiyatus Soimah
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol 8 No 2 (2022): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/faqih.v8i2.479

Abstract

This research aims to see the extent of maqashid sharia's view of philanthropy practices in the form of the construction of livable houses carried out by Jamaah Thoriqoh Shiddiqiyah towards underprivileged non-Muslim communities, as well as its influence on the pluralism of the surrounding Muslim community. With a qualitative approach, and using the theory of pluralism and philanthropy, this study resulted in the conclusion that the Muslim community around the construction site of livable houses participated in this movement and experienced a change in attitude. If originally they tended to limit themselves from all activities and traditions involving non-Muslims, then now they are experiencing a change to be more active and willing to blend in with people with different backgrounds. In the view of Maqashid Sharia, this reality is able to maintain the continuity of soul, property, and religion
Persepsi Masyarakat Terhadap Bank Syariah Indonesia (Public Perception of Bank Syariah Indonesia) M. Soleh Mauludin; Agestina Pinatih
Al-Muraqabah: Journal of Management and Sharia Business Vol. 1 No. 2 (2021): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (325.347 KB) | DOI: 10.30762/almuraqabah.v1i2.159

Abstract

The research aims to see the extent of public perception of Indonesian Islamic banks. The object of this research is the customers of Islamic banks in the city of Kediri. By using a qualitative and descriptive approach, as well as perception theory, this study concludes that the function and existence of Islamic banking is not only a place for saving or Islamic transactions but also a place to increase worship values. This public perception can be seen in people's understanding of the relationship between Islam and Islamic banking. The public can understand the involvement of Islamic teachings in every activity in Islamic banking. Public perception of the decision to choose to bank is a process of interpreting the object of perception, namely Islamic banking, whether concrete or not, and this is influenced by knowledge in the form of information, experience, motivation, and desires according to their needs.
Pengembangan Usaha Berbasis Ramah Lingkungan Berdasarkan Konsep Triple Bottom Line (Studi Kasus Batik Lochantara) Yeni Sintya Wati; Sulistyowati; M. Soleh Mauludin; Sidanatul Janah
Istithmar Vol. 8 No. 1 (2024): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v8i1.1007

Abstract

Pencemaran lingkungan merupakan permasalahan yang erat hubungannya dengan suatu kegiatan usaha, salah satu masalah pencemaran adalah limbah cair dari kegiatan pembuatan batik. Solusi untuk mengatasi adalah melakukan usaha dengan konsep ramah lingkungan dengan tidak hanya mementingkan keuntungan semata tetapi juga memperhatikan lingkungan alam serta lingkungan masyarakat. Hal tersebut selaras dengan konsep triple bottom line. CV Bumi Pandji Batik Lochatara merupakan usaha yang melakukan pengembangan konsep ramah lingkungan untuk mewujudkan triple bottom line sehingga peneliti tertarik menganalisis lebih dalam. Metode penelitian yang digunakan kualitatif-deskriptif. Hasil penelitian ini pengembangan dengan konsep ramah lingkungan berhasil dalam beberapa aspek triple bottom line yaitu pada profit, penjualan meningkat, tidak kekurangan modal, serta penciptaan lapangan pekerjaan, Aspek people memperhitungkan praktek tenaga kerja, hak asasi manusia, dampak masyarakat serta tanggung jawab produk. sisi planet kualitas udara,air, energi yang digunakan, serta hasil limbah mampu dikelola.
Analisis Persepsi Konsumen Terhadap Penggunaan Jasa Gojek M. Soleh Mauludin; Dewi Ratnawati; Ninik Arianti; Melina Dwi Pryastara; Vivi Adelia Novitawati
Salimiya: Jurnal Studi Ilmu Keagamaan Islam Vol 3 No 1 (2022): Salimiya
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian kepada Masyarakat (LP3M) IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to find out and analyze consumer perceptions of using Go-Jek services. Using a qualitative approach, consumer behavior theory, and research objects in Kediri, this study resulted in the conclusion that the perception or process that causes a consumer to use Gojek services depends on the stimuli received by the consumer. Every consumer has different motivations and reasons to use Gojek's services. The biggest stimulus that causes the emergence of consumer perception is that Gojek offers attractive promos, where the percentage of those who choose it is 43%.
Rekontruksi Sumber Daya Manusia Sebagai Upaya Meminimalkan Resiko Operasional Perbankan (Studi Literasi Teori Motivasi) M Soleh Mauludin; Soimah, Zakiyatus
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol. 9 No. 2 (2023): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/faqih.v9i2.1262

Abstract

The research aims to analyze the causes of operational risks in Islamic banking, as well as ways to overcome them. Using qualitative research and Maslow's motivation theory, this study concluded that human resources in Islamic banking come from various educational backgrounds. On the other hand, Islamic banking must also be able to manage its human resources so that it does not cause operational risks. So that these operational risks do not arise, it is necessary to reconstruct human resources by increasing the motivation of human resources.
Analisa Kompetensi Soft Skill Mahasiswa Praktek Pengelolaan Zakat (Ppz) Febi IAIN Kediri (Studi Persepsi Pengurus Lazisnu Kediri) Mauludin, M Soleh; Soimah, Zakiyatus
CENDEKIA: Jurnal Studi Keislaman Vol. 10 No. 1 (2024): JUNI 2024
Publisher : Sekolah Tinggi Agama Islam Hasan Jufri Bawean

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze the soft skills competencies of students in the Sharia Banking Study Program, Faculty of Islamic Economics and Business (PPZ FEBI) of the State Islamic Institute (IAIN) Kediri based on the perceptions of the management of the Amil Zakat, Infaq and Shadaqah Nahdlatul Ulama Institute (LAZISNU) Kediri. Soft skill competencies are non-technical skills that are very important in the world of work, including communication skills, teamwork, leadership, time management, and problem-solving. This research uses a qualitative method with a case study approach. Data was collected through in-depth interviews with LAZISNU Kediri administrators who have experience working with PPZ FEBI IAIN Kediri students. The research results show that LAZISNU Kediri administrators generally assess PPZ FEBI IAIN Kediri students as having good soft skill competencies, especially in communication and teamwork. However, several aspects still need to be improved, such as time management and problem-solving abilities. It is hoped that these findings can provide input for study programs in developing curricula and extracurricular activities that are more effective in improving students' soft skill competencies.