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Perkembangan Pemikiran Wakaf Asuransi Syariah di Indonesia Eris Munandar
AT-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 9 No 2 (2021): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang Indonesia

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

Background. The development of the sharia economy opens up opportunities for sharia financial instruments, one of which is sharia insurance to become an object that can be waqf. This prompted DSN-MUI to issue fatwa 106/DSN-MUI/X/2016 concerning waqf insurance benefits and investment benefits.Aim. The purpose of writing this paper is to explore the development of Islamic insurance waqf thinking in Indonesia, more precisely to examine some of the literature that has examined Islamic insurance waqf as the object of study.Methods. The method used in this research is literature review with a qualitative approach.Results. This paper explain that the DSN-MUI fatwa no. 106/DSN-MUI/X/2016 which is the legal basis for the development of waqf thinking using sharia insurance instruments, its legal status is allowed because it refers to the principle of maslahah mursalah. The waqf referred to in the fatwa is an insurance benefit waqf whose provisions are set for no more than 45% of the total benefits obtained, while investment benefits of no more than 1/3 of the maximum amount of wealth may be waqf on investment benefits with a note with the approval of the heirs.

Pengaruh Dana Zakat, Infak, Sedekah (ZIS) dan Inflasi Terhadap Pertumbuhan Ekonomi Periode 2010-2019 Usi Muslihatul Badriyah; Eris Munandar
Jurnal Ekonomi Rabbani Vol 1 No 1 (2021): Mei 2021
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Ar-Risalah Ciamis

Penelitian ini dilakukan untuk mengetahui pengaruh zakat, infak, sedekah (ZIS) dan inflasi terhadap pertumbuhan ekonomi di Indonesia periode tahun 2010-2019. Jenis penelitian yang digunakan dalam penelitian ini merupakan penelitian kuantitatif data sekunder yang diambil dari akses laporan yang dipublikasikan oleh Badan Pusat Statistik, Badan Amil Zakat Nasional dan Bank Indonesia. Dengan menggunakan metode analisis regresi linier berganda didapatkan hasil, bahwa secara parsial variabel zakat, infak, sedekah (ZIS) (X1) berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi. Dan secara parsial variabel inflasi (X2) tidak berpengaruh terhadap pertumbuhan ekonomi. Sedangkan secara simultan variabel zakat, infak, sedekah (ZIS) dan inflasi berpengaruh signifikan terhadap pertumbuhan ekonomi.

PENGARUH PEMBIAYAAN MUDHARABAH, PEMBIAYAAN MURABAHAH DAN TABUNGAN MUDHARABAH TERHADAP RETURN ON ASSETS (ROA) PADA BPR SYARIAH fitri maulidatul rohmaniah; Eris Munandar
Jurnal Ekonomi Rabbani Vol 1 No 2 (2021): November 2021
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Ar-Risalah Ciamis

The purpose of this study was to determine and analyze the effect of Mudharabah Financing, Murabahah Financing and Mudharabah Savings on Return On Assets (ROA) of Indonesian Sharia People's Financing Banks for the 2015-2020 period. The research method used is descriptive quantitative method. The data used is secondary data. In this study, the analysis used is multiple linear regression analysis, coefficient of determination and hypothesis testing. Based on the results of the analysis of this study, it can be seen that partially Mudharabah Financing has a negative and significant effect on Return On Assets, Murabaha financing has a positive and significant effect on Return On Assets and Mudharabah Savings has a positive and significant effect on Return On Assets at Indonesian Islamic People's Financing Bank for the 2015 period. -2020 and simultaneously Mudharabah Financing, Murabahah Financing and Mudharabah Savings have a significant effect on the Return On Assets (ROA) of Indonesian Sharia Rural Banks for the 2015-2020 period. It is expected that the Indonesian Islamic People's Financing Bank will further improve its performance by minimizing financing risk and increasing the amount of third party funds so that its profitability growth is maximized.

WAQF AND ITS MANAGEMENT PROBLEMS (A STUDY OF QS. ALI IMRAN (3) VERSE 92) Eris Munandar; Nila Nopianti
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 13 No 1 (2022): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v13i1.1782

One of the purposes of this paper is to identify the meaning contained in QS. Ali Imran (3): 92 which is often used as a reference for the proposition to explain waqf. The research methodology in the preparation of this paper uses a literature study approach by collecting several references relevant to the research theme raised. The results explained that there are two aspects contained in QS. Ali Imran (3): 92, which is the concept of waqf and the problem of its management. The concept of waqf in this verse is spelled out into three important elements that are integrated into each other, namely the concept of goodness, infak and the most loved / preferred treasure. While the problems in the management of waqf that have been identified are the issue of waqf administration and the problem of professionalism nadzir. Salah satu tujuan disusunnya makalah ini adalah untuk mengidentifikasi makna yang terkandung dalam QS. Ali Imran (3): 92 yang sering dijadikan rujukan dalil utuk menjelaskan wakaf. Metodologi penelitian pada penyusunan makalah ini menggunakan pendekatan studi literatur dengan mengumpulkan beberapa referensi yang relevan dengan tema penelitian yang diangkat. Hasil penelitian menjelaskan bahwa terdapat dua aspek yang terkandung didalam QS. Ali Imran (3): 92, yaitu konsep wakaf dan problematika pengelolaannya. Konsep wakaf pada ayat ini dijabarkan menjadi tiga elemen penting yang saling terintegrasi, yaitu konsep kebaikan, infak dan harta yang paling dicintai/disukai. Sementara problematika dalam pengelolaan wakaf yang telah diidentifikasi adalah persoalan administrasi wakaf dan persoalan profesionalisme nadzir.

WACANA PEMIKIRAN ZAKAT PROFESI DALAM PERSPEKTIF ORMAS ISLAM DI INDONESIA Eris Munandar; Ahmad Hasan Ridwan
Jurnal Ekonomi Rabbani Vol 2 No 2 (2022): November 2022
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Ar-Risalah Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53566/jer.v2i2.121

Artikel ini ditulis untuk mengkaji pandangan ormas-ormas Islam di Indonesia yang terdiri dari MUI, NU, Muhammadiyah dan Persis tentang zakat profesi atau zakat penghasilan. Pembahasan ini menggunakan jenis penelitian kualitatif dengan metode kepustakaan, mengkaji berbagai literatur yang relevan dengan tema artikel ini. Hasil analisis menemukan informasi penting bahwa empat ormas Islam sepakat bahwa tidak ada bukti empiris tentang zakat profesi, baik pada masa Rasulullah SAW, para sahabat, maupun pendapat para Imam Madzhab. Akan tetapi MUI, NU dan Muhammadiyah berpandangan bahwa setiap penghasilan yang telah mencapai nishab dan haul wajib dikeluarkan zakatnya, sehingga dianalogikan dengan zakat emas/perak yang setara dengan 85 gram emas murni. Sedangkan Persis tidak menggunakan istilah zakat profesi, melainkan menggunakan istilah infaq wajib profesi sehingga jumlahnya disesuaikan dengan kemampuan individu. Oleh karena itu, pelaksanaan zakat profesi atau penghasilan harus dilakukan ketika penghasilan telah mencapai nishab seperti emas/perak, tidak lagi menetapkan pemotongan zakat setiap bulan yang jika dihitung kemungkinan penghasilan pekerja/profesional telah belum mencapai nishab yang ditentukan.

The Influence of Zakat Knowledge, Religiosity and Income on Zakat Paying Compliance (Case Study of UPZ Disdukcapil Ciamis Regency) Rahmi Maolia; Nila Nurochani; Eris Munandar
QISTINA: Jurnal Multidisiplin Indonesia Vol 1, No 2 (2022): December 2022
Publisher : CV. Rayyan Dwi Bharata

This study aims to determine the effect of zakat knowledge, religiosity and income on zakat paying compliance at UPZ Disdukcapil, Ciamis Regency. This study uses quantitative research methods using primary data with data collection techniques through distributing questionnaires and data analysis using multiple linear regression. The results of this study indicate that the results of the t-test variable knowledge partially have a positive and not significant effect on compliance with paying zakat (Y) at UPZ Disdukcapil, the results of tcount 1,824 and ttable 1,696 mean that tcount ttable with a significance of 0.997 0.05, the results of the t-test for the variable religiosity partially has a positive and significant effect on compliance with paying zakat results of tcount 3,074 and ttable 1,696 meaning tcount ttable with a significance of 0.004 0.05 and the results of the t test income variable partially have a positive and not significant effect on compliance with paying zakat (Y) at UPZ Disdukcapil the results of tcount 1,709 and ttable 1,696 mean tcount ttable with a significance of 0.142 0.05. While the F test obtained Fcount of 7,615 and Ftable of 2.92 meaning Fcount Ftable so the variables of knowledge, religiosity and income simultaneously have a positive and significant effect on compliance with paying zakat.

Kontribusi Sektor Riil, Sektor Moneter dan Tingkat Inflasi Terhadap Penerimaan Zakat, Infak dan Sedekah di Indonesia Eris Munandar; Mulia Amirullah
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq : Jurnal Ekonomi Islam, Vol. 12 No. 1 (2021)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v12i1.866

The role of zakat in economic development in Indonesia is increasingly being felt. In addition to the distribution allocation through the appropriate zakat program, it is also necessary to pay attention to the contribution of the zakat revenue. This study aims to analyze the contribution of the Large and Medium Industrial Production Index (IPBS) as a real sector variable while the Return on Assets (ROA) of the Islamic banking industry as the monetary sector and inflation to the receipt of Zakat, infaq, and alms (ZIS) in the National Zakat Agency ( BAZNAS). The analysis technique used is the Vector Auto-Regressive (VAR) / Vector Error Correction Model (VECM). The type of data used is secondary data using monthly data for the period 2011 to 2019. The results of the study show that the real sector has a causal relationship with the ZIS fund collection. Inflation and ZIS revenues have a one-way relationship. Real sector variable shocks responded positively and were very dominant by ZIS revenues compared to the ROA of Islamic banking as well as inflation. The real sector variable is also predicted to contribute the most in raising ZIS funds in the future.

ANALYSIS OF ISLAMIC ECONOMIC DEVELOPMENT BASED ON BOARDING SCHOOLS IN THE CITY OF BANJAR Eris Munandar
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 14, No. 1 (2023)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v14i1.1958

This research aims to analyze the development of Islamic economics in Islamic boarding schools in Banjar City. The research method used is qualitative with a descriptive analysis approach, and the sample consists of 45 Islamic boarding school institutions taken using the saturated sampling method. The study results indicate that Islamic economics development in Islamic boarding schools in Banjar City is generally good in several aspects. However, there are still three aspects that are not optimal, namely the lack of activities on Islamic economic/financial studies, the absence of Islamic economic/zakat/financing institutions, and not being involved in the socialization/promotion of Islamic economic and financial products in Banjar City. The indicators of the perception of Islamic boarding school leaders towards Islamic economics and their contribution to the development of Islamic economics are good, but the mentoring of society trapped in loan sharks still needs to be improved.

WAQF AND ITS MANAGEMENT PROBLEMS (A STUDY OF QS. ALI IMRAN (3) VERSE 92) Eris Munandar; Nila Nopianti
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 13 No 1 (2022): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v13i1.1782

One of the purposes of this paper is to identify the meaning contained in QS. Ali Imran (3): 92 which is often used as a reference for the proposition to explain waqf. The research methodology in the preparation of this paper uses a literature study approach by collecting several references relevant to the research theme raised. The results explained that there are two aspects contained in QS. Ali Imran (3): 92, which is the concept of waqf and the problem of its management. The concept of waqf in this verse is spelled out into three important elements that are integrated into each other, namely the concept of goodness, infak and the most loved / preferred treasure. While the problems in the management of waqf that have been identified are the issue of waqf administration and the problem of professionalism nadzir. Salah satu tujuan disusunnya makalah ini adalah untuk mengidentifikasi makna yang terkandung dalam QS. Ali Imran (3): 92 yang sering dijadikan rujukan dalil utuk menjelaskan wakaf. Metodologi penelitian pada penyusunan makalah ini menggunakan pendekatan studi literatur dengan mengumpulkan beberapa referensi yang relevan dengan tema penelitian yang diangkat. Hasil penelitian menjelaskan bahwa terdapat dua aspek yang terkandung didalam QS. Ali Imran (3): 92, yaitu konsep wakaf dan problematika pengelolaannya. Konsep wakaf pada ayat ini dijabarkan menjadi tiga elemen penting yang saling terintegrasi, yaitu konsep kebaikan, infak dan harta yang paling dicintai/disukai. Sementara problematika dalam pengelolaan wakaf yang telah diidentifikasi adalah persoalan administrasi wakaf dan persoalan profesionalisme nadzir.

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