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The current phenomenon of Ar-Rahn and Wadi'ah Hayati, Keumala; Asmuni, Asmuni; Anggraini, Tuti
Accounting and Business Journal Vol 5 No 1 (2023): ACCOUNTING AND BUSINESS JOURNAL
Publisher : Lembaga Jurnal & Seminar Universitas Pembangunan Panca Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54248/abj.v5i1.4621

Abstract

This study aims to obtain field results regarding the tendency of public interest in sharia and conventional pawning, which, as we know, conventional pawning provides quite high interest. Today, technological developments are increasing rapidly in line with the business world. The Covid 19 storm resulted in chaos in the business supply chain which had an indirect impact on people's businesses and income. During a pandemic, the percentage of people setting aside their income to save or invest decreased. The performance of pawnshops which continued to grow during the pandemic gave the fact that many people needed fresh funds to continue their lives or to do business. The presence of private pawnshops in the city of Medan cannot be underestimated. OJK noted that there was an increase in the management of pawning permits from 46 pawn businesses. This proves the existence of a pawn business and the benefits it provides to the community. The method used in this study is qualitative research to understand human or social phenomena and supported by literature. The results of this study are that people prefer pawnshops that are always there during an emergency, even if it's a private pawnshop that pays high interest and violates Islamic law
THE INFLUENCE OF FINANCIAL LITERACY ON THE DIGITAL FINANCIAL INCLUSION OF MSMES IN THE CITY OF BINJAI Sakti Putra Harahap, Raja; Asmuni, Asmuni; Soemitra, Andri
Proceeding International Seminar of Islamic Studies INSIS 4 (November 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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

Abstract

This study aims to determine the effect of financial literacy on digital financial inclusion for MSMEs in Binjai City. The City of Binjai is a city engaged in services and SMEs. There are only a few natural resources in the City of Binjai. But human resources can be expected for the progress of the City of Binjai. The problem is that many MSMEs do not understand financial literacy well, as a result many MSMEs have gone out of business and are unable to manage their business properly. MSMEs in Binjai City have not exploited digital financial inclusion, some of them are worried about the security of digital transactions, have not experienced the convenience and benefits of managing finances in the digital era, there are still many MSMEs who are concerned about the halalness of financial products and services, as well as cultural factors and refuse understanding new. The formulation of the problem in this study is whether financial literacy affects digital financial inclusion for MSMEs in Binjai City. This research uses a quantitative research method, using primary data sources. Data collection uses a questionnaire. The results of this study are that there is a positive and significant influence on the study entitled "The Influence of Financial Literacy on MSME Digital Financial Inclusion in Binjai City". So it can be concluded that this can be seen from the results of the t test above the tcount value of 4.373 and ttable 1.68195 with a significant level of 0.00 0.05. Because the significant level is greater than 0.05 and t count t table (v 1.68195) which means Ho1 is rejected and Ha1 is accepted, the financial literacy variable has a significant effect on the dependent variable digital financial inclusion. the coefficient of determination R Square is 0.623, which means that the effect of financial literacy on digital financial inclusion is 62.3% and the rest (100-62.3 = 37.7%) is influenced by other variables unknown to researchers.
ANALYSIS OF THE FORMULATION OF ZAKAT MAL TAX INCENTIVE POLICY AT THE DIRECTORATE GENERAL OF TAXES (DGT) Sihombing, Mhd. Syukur; Asmuni, Asmuni; Harahap, Isnaini
Proceeding International Seminar of Islamic Studies INSIS 5 (March 2023)
Publisher : Proceeding International Seminar of Islamic Studies

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

Abstract

Focus of this research is the formulation of taxation policies related to zakat mal as a tax incentives at the Directorate General of Taxes (DGT). The problems in this study include, first, how the zakat mal tax incentive policy is formulated and its problems. Second, there are certain perceptions that hinder the development of zakat mal tax incentive policies and thirdly there are considerations of costs and not benefits in its formulation. This type of research is normative research with a juridical and analytical approach. The results of the study concluded that there was an error in the formulation of the zakat mal tax incentive policy in the form of errors in the interpretation and grouping of zakat in Law 36 of 2008 Income Tax. 
Strategi Pemasaran Produk Mudharabah Baitul Maal Wattamwil (BMT) Mentari Kota Gajah Asmuni, Asmuni
Falah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 1 (2022): Falah: Jurnal Hukum Ekonomi Syariah
Publisher : LPPM Institut Al-Ma'arif Way Kanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55510/fjhes.v2i2.120

Abstract

Baitul Maal Wattamwil (BMT) Mentari Kota Gajah merupakan lembaga keuangan syariah dimana didalamnya terdapat produk Mudharabah. Yang melatar belakangi penelitian ini adalah belum banyaknya masyarakat yang mengetahui produk Mudharabah pada BMT Mentari Kota Gajah. Dengan menggunakan rumusan masalah “bagaimana strategi pemasaran produk Mudharabah BMT Mentari Kota Gajah tahun 2021. Adapun tujuan penelitian ini ialah ingin mengetahui strategi pemasaran produk Mudharabah BMT Mentari Kota Gajah tahun 2021. Dalam hal penelitian ini penulis menggunakan jenis penelitian lapangan yaitu mengenai fakta-fakta dan permasalahan yang ada dilapangan, dengan metode pengumpulan data melalui observasi, interview dan dokumentasi. Kemudian penulis menggunakan metode kualitatif dengan pendekatan deduktif yaitu suatu metode dengan menarik suatu kesimpulan dari hal-hal atau gejala bersifat umum yang kemudian disimpulkan yang bersifat khusus. Analisis data yang diperoleh penulis dari BMT Mentari Kota Gajah pada tahun 2021 mengenai strategi pemasaran produk Mudharabah maka dapat dianalisa bahwasanya strategi yang digunakan pada BMT Mentari Kota Gajah adalah marketing mix atau bauran pemasaran. Berdasarkan penelitian dan analisa yang penulis lakukan pada Baitul Maal Wattamwil (BMT) Mentari Kota Gajah pada produk Mudharabah maka diperoleh bahwa metode pemasaran yang dilakukan yaitu dengan melalui marketing mix yaitu: (1) Product mix, (2) Pleace mix, dan (3) Promotion mix. Kemudian strategi pemasaran produk Mudharabah BMT Mentari Kota Gajah sudah sesuai dengan syariah Islam.
Tinjauan Hukum Islam Terhadap Sistem Upah Kerja Borongan Pada Bangunan Rumah Listari, Listari; Asmuni, Asmuni
Falah: Jurnal Hukum Ekonomi Syariah Vol. 6 No. 1 (2024): Falah: Jurnal Hukum Ekonomi Syariah
Publisher : LPPM Institut Al-Ma'arif Way Kanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55510/fjhes.v6i1.293

Abstract

Tujuan dari penelitian ini untukmengetahui bagaimana praktik dari sistem upah kerja borongan pada bangunan rumah di Kampung Sumber Sari Kecamatan Banjit Kabupaten Way Kanan. Kedua untuk mengetahui tinjauan hukum Islam terhadap sistem upah kerja borongan pada bangunan rumah di Kampung Sumber Sari Kecamatan Banjit Kabupaten Way Kanan. Penelitian ini menggunakan metode penelitian kualitataif, dikarenakan jenis penelitian ini dapat menggambarkan secara sistematik apa saja yang terjadi dilapangan. Observasi, wawancara, dan dokumentasi merupakan teknik pengumpulan data yang peneliti gunakan dalam penelitian. Berdasarkan hasil penelitian dilapangan mengenai sistem upah kerja borongan pada bangunan rumah dikampung Sumber Sari ini mengunakan sistem upah harian, dimana pemberian upah diberikan setiap hari kerja sampai selesainya bangunan rumah dengan besaan upah yaitu tukang sebesar Rp.100.000,- (serratus ribu rupiah) dan kuli sebesar Rp.80.000,- (delapan puluh ribu rupiah). Namun dalam pemberian upahnya para buruh ini terkadang tidak diberikan tepat waktu sehingga bertentangan dengan syarat Ujrah yang mana upah harus diberikan secepat mungkin yang sesuai dengan hadis riwayat Ibnu Majah yang berbunyi “berikanlah pekerja upahnya sebelum keringatnya kering
The Maqashid Syari'ah Perspective on The Subsistence Obligations by "Fathers" Against Children Due to Adultery Nugraha, Alfajar; Asmuni, Asmuni
QONUN: Jurnal Hukum Islam dan Perundang-undangan Vol 8 No 1 (2024)
Publisher : FASYA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/qj.v8i1.8240

Abstract

The accommodation of the clause "civil relations" by the Constitutional Court Number 46/PUU-VIII/2010 became a polemic because it showed a relationship between "fathers" and their biological children and indirectly "legalizes" the relationship both with no marriage process. Seeing the MUI as one of Indonesia's Islamic institutions provided a firm interpretation with interpretation that it still negated the lineage relationship between the "fathers" and their biological children, and the fall of rights and obligations is due to the punishment of "fathers," not the "fathers" and children ties. as stated in the MUI fatwa No. 11 of 2012, but a question arises as to whether the fatwa is in accordance with the provisions of the Shari'a. Therefore, later in this article, we would analyze descriptively and analytically the linkages of the MUI fatwa mentioned above with the construction of shari'ah provisions through the maqashid shari'ah aspect. The results of this study can be concluded that the MUI fatwa Number 11 of 2012 has fulfilled the maqashid syari'ah aspect as the construction of kulliyatul al khams asy syatibi, with the dharuriyat level category in the context of hifz nafs and hifz nasl as a form of protection and prevention of neglect, especially by giving ta'zir punishment to men who cause birth to meet their needs and as a form of syadz al-dzari'ah adultery in the context of not linking the lineage of "fathers" to their biological children as protection against honor and descendants for a person as a human being who is glorious.
Implementation of Street Vendor Arrangement Policy in Wonoasri Village, Tempurejo District, Jember Regency Ningtyas, Sikta Juniarti; Sunarto, Imam; Asmuni, Asmuni
Jurnal Administrasi Pemerintahan Desa Vol. 5 No. 2 (2024): Agustus 2024
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/villages.v5i2.120

Abstract

The implementation of the policy of structuring street vendors in Wonoasri village is carried out by providing separate policies for street vendors in Wonoasri village, building public facilities in the village square in order to increase convenience in trading, increase community resources for the village community, reduce unemployment, entertainment and gathering places for the community and increase economic value in selling. These conditions are also influenced by the Bumdes to manage street vendors in the Wonoasri Village square, where the Bumdes plays a role as a policy maker, rent financial regulator, facility provider, provider of rental space for street vendors, and supervisor of harmony between street vendors. One of the objectives of this study is to describe the implementation of the policy of structuring street vendors in the village square of Wonoasri, Jember Regency, which can be seen from three factors, namely the perspective of compliance, success, satisfaction and beneficiaries. This research specifically uses a qualitative approach method, the techniques in data collection used are observation, documentation and interview methods. The results of this study state that the implementation of the street vendor arrangement policy in Wonoasri Village, Tempurejo District, Jember Regency involves the Wonoasri Village Government, Wonoasri Village Bumdes, Street Vendors and the community around the Wonoasri Village Square. So it can be said that this policy has been successful and is a successful implementation. In implementing the policy of arranging street vendors in Wonoasri Village Square, there are several obstacles, including: Controlling the number of new street vendors, the discipline of street vendors and facilities and infrastructure that were previously inadequate but are now well met such as water, electricity, toilets, trash bins, selling space, prayer rooms, and parking lots. Improve better facilities and infrastructure so that traders and visitors can be more comfortable when visiting the Wonoasri Village Square.
PENERAPAN LEMBAR TUGAS MAHASISWA SEBAGAI MEDIA PEMBELAJARAN KOLABORATIF Asmuni, Asmuni
JPEKBM (Jurnal Pendidikan Ekonomi, Kewirausahaan, Bisnis dan Manajemen) Vol 6, No 2 (2022): JPEKBM (DESEMBER,2022)
Publisher : STKIP PGRI Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32682/jpekbm.v6i2.2830

Abstract

Lembar Tugas Mahasiswa (LTM) merupakan lembaran yang berisi tugas yang diberikan dosen pengampu matakuliah untuk dikerjakan oleh mahasiswa berisi petunjuk, langkah penyelesaian suatu masalah, masalah yang diperintahkan dalam rangka mencapai kompetensi tertentu. LTM dapat menjadi alternatif media pembelajaran yang dapat mendukung optimalisasi pembelajaran kolaboratif. Tujuan penelitian ini adalah untuk mendiskripsikan efektivitas penerapan LTM sebagai media pembelajaran kolaboratif dalam rangka mempermudah mahasiswa dalam pelaksanaan kegiatan pembelajaran, serta membantu mahasiswa menentukan kisaran dan penguasaan bahan ajar dalam proses pembelajaran kolaboratif. Penelitian ini merupakan jenis penelitian kualitatif. Sampel penelitian adalah semua mahasiswa Program Studi Pendidikan Pancasila dan Kewarganegaraan STKIP PGRI Jombang, Jawa Timur, Indonesia yang mengikuti perkuliahan matakuliah Filsafat Pendidikan dan matakuliah Evaluasi Pembelajaran pada semester genap tahun akademi 2021/2022. Berdasarkan analisis, penerapan LTM sebagai media pembelajaran kolaboratif dapat membantu mahasiswa dalam proses belajar kolaboratif, serta membantu penguasaan bahan ajar secara mendalam
EFEKTIVITAS PENGGUNAAN FORUM DISKUSI ONLINE DAN PEER-ASSESSMENT UNTUK MENINGKATKAN KETRAMPILAN PRESENTASI DAN DISKUSI MAHASISWA Asmuni, Asmuni
JPEKBM (Jurnal Pendidikan Ekonomi, Kewirausahaan, Bisnis dan Manajemen) Vol 7, No 1 (2023): JPEKBM (Juli,2023)
Publisher : STKIP PGRI Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32682/jpekbm.v7i1.3149

Abstract

Penelitian ini dilakukan untuk menguji efektivitas penggunaan forum diskusi online (FDO) dalam rangka meningkatkan keterampilan presentasi dan diskusi mahasiswa. Pertanyaan penelitian adalah (1) bagaimana efektivitas menggunakan FDO untuk meningkatkan keterampilan presentasi dan diskusi; (2) bagaimana hubungan antara penggunaan forum online dengan peningkatan keterampilan presentasi mahasiswa; (3) bagaimana hubungan antara penggunaan forum online dengan peningkatan keterampilan diskusi mahasiswa. Penelitian ini adalah penelitian eksperimental dengan menggunakan desain faktorial. Sampel penelitian ini adalah 186 mahasiswa di Jombang, Jawa Timur. Pengumpulan data menggunakan teknik penilaian otentik dalam bentuk penilaian sejawat (peer-assessment). Teknik analisis data menggunakan analisis varian multivariat (MANOVA) menggunakan aplikasi SPSS. Penelitian membuktikan bahwa (1) penggunaan forum diskusi online efektif untuk meningkatkan keterampilan presentasi dan diskusi; (2) hubungan antara penggunaan forum diskusi online dengan keterampilan presentasi siswa juga signifikan; dan (3) hubungan antara penggunaan forum diskusi online dengan keterampilan diskusi mahasiswa adalah signifikan.
Progressive Steps in Reforming Indonesian Islamic Family Law Through Gender Studies Azhari, Doni; Asmuni, Asmuni
Syakhsiyah Jurnal Hukum Keluarga Islam Vol 3 No 2 (2023): Syakhshiyyah Jurnal Hukum Keluarga Islam
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/syakhshiyyah.v3i2.8020

Abstract

This article examines Indonesia's urgent need to update Islamic family law to reflect modern dynamics, technological advancements, and universal justice principles. The primary goal of reform is to elevate women's status by upholding, defending, and expanding their rights in line with Sharia law. The research methodology examines the history and foundation of family law reform in the context of Islamic law through a review of the literature and document analysis. The primary forces behind Islamic law reform in Indonesia include the need to close legal gaps, the effects of economic globalization, and the influence of reformed Islamic legal thought. The study's conclusions include the identification of a number of particular areas within Islamic family law that need to be changed, such as women's rights in the home, divorce, and inheritance. In order to address gender inequality and create a society that is more inclusive and just, these reforms are thought to be essential first steps.
Co-Authors Adrian Adrian Adrian, Muhammad Fikri Agus, Rizal AHMAD AFNAN ANSHORI, AHMAD AFNAN Ahmad Zainuri Amalia, Annisa Riskiyatus Andika Persada Putera Andri Soemitra ARFAIZAR, JANUARIANSYAH Arifai, Ahmad Arini Indika Arifin Arini, Nusra Arkanudin, Ari Arrizall, Fasih Azhari, Doni Azhari, Doni Azhari Bastomi, Bastomi Beko Ahmad, Hendro BUDI PRAMONO cahyadi cahyadi Chomariyah, Chomariyah Daulay, Ahmad Harun Deni Saputra Dwimahendrawan, Andrias Dzulkurnain, Iskandar Edo Segara Gustanto Evi Wulandari Faisal Faisal Farkhan, Farkhan Fausi, Achmad Firman, Agus Firzhal Arzhi Jiwantara Fuadi, Moh Harahap, Purnama Hidayah Hasanah, Mauidatul Islamawan, Arip Isnaini Harahap Jamil Jamil Juwita, Denita Windasari Kahar, Aisyah Kamsi Kamsi, Kamsi Kasinyo Harto Katarina Katarina, Katarina Keumala Hayati Khoiruddin Nasution Khuluq, M. Khusnul KS, Muslich Kurniawan, Wahyu Riski Kusyaeni, Kusyaeni Laismono, Stephanie Glory Lenny Menara Sari Saragih Listari, Listari Lubis, Ismul Fakhri Lubis, Rusdi Rizki Manik, M. Rikwan ES. Mappiasse, Achmad Habibul Alim Mardiah Astuti Masruroh, Siti Naimatul Matsum, Hasan Mia Audina, Mia Mohammad Yusuf, Mohammad Muhammad Amrul Irsyadi Muhammad Andi Prayogi Muhammad Jahri Muhammad, Hasman Mujahid, Ahmad Zarkasyi Mukharrom, Tamyiz Mukhtar*, Muh. Riezky Pradana Munawarsyah, Munawarsyah Nabella, Tamima Izzat Nasution, Adelina Nawawi, Muhammad Latif Nawir Yuslem, Nawir Ni'mah, Nafisatu Roudlotin Ningtyas, Sikta Juniarti Noor, Tauchid Novi Andriani, Novi Nugraha, Alfajar Nungky Viana Feranita Nur Aini Mayasiana Nurhudawi, Nurhudawi Pagar, Pagar Pamungkas, Teguh Karya Permana, Ayus Prihatin, Khristina Sri Rafianti, Fitri Rezha Nur Adikara , Rezha Nur Adikara Rifngah, Dewi Idadir Safitri, Izza Afkarina Sakti Putra Harahap, Raja Sampurnwati, Sampurnawati Seroza, Candra Boy Sibron, Ahmad Sihombing, Mhd. Syukur Sinaga, Istiqomah Siregar, Bismar Suharto, Tentiyo Sumawati, Elza Farida Sunarto, Imam Sutarno Sutarno Suzanti, Wiwien Syahnan, Muhammad Syahputra, Akmaluddin Tanjung, Dhiauddin Tantri Widiastuti Tiara Nofiana Titien Agustina Triyono, Nur Tuti Anggraini Ulfa Jamilatul Farida, Ulfa Jamilatul ulum, ziadil Umi Nurhayati, Umi Wakhyunia, Emi Wibawa, Oxfas Winingsih, Hesti YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuliandari, Susi Yulianto Yulianto Yusdani Yusdani Zainal Berlian Zainul F, Phil. zulfikar, Zulfikar