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Implementation of Corporate Social Responsibility (CSR) On Islamic Banking: Maqasid Sy ariah’ s Approach Nurizal Ismail; Ahmad Muqorobin
Islamic Economics Journal Vol 3, No 1 (2017)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (612.688 KB) | DOI: 10.21111/iej.v3i1.1384

Abstract

Islamic banking as corporate is also subjected to the responsible of Corporate social responsibility (CSR). Moreover, Islamic Banking is different from Conventional bank in its worldview, operation and principle. It will impact to CSR operation in Islamic banking. CSR of Islamic Banking must constitute to its objective that should realize the just and welfare in ummah’s life. It came into existence as a collective religious obligation (fard kifayah) on the larger community (Ummah) as a financial intermediary for individuals in the community wishing to comply with Islamic law (Syari’ah). This study aims to discuss the role of maqasid Syari’ah, and to propose it into the applied of CSR on Islamic banking. Implementation of corporate social responsibility (CSR) is very important in Islamic banks because it is used as importantmeasurements to assess a successful company in its operation. CSR in Islamic bank should be different with the Conventional one from its worldview, system and standard of operational. The concept of CSR in Islam is not new, it is deeply mentioned and explained in sources of Islam. Maqasid Syari’ah is used to see the maslahat (benefit) and to make decision in all aspect of human life. In maslahat’s perspective, CSR of Islamic bank is to promote the justice and welfare and to avoid the disruption and chaos.
Clearing in the View of Islamic Economic law Ahmad Muqorobin; Yunita Wulandari
AL- IKTISAB Journal of Islamic Economic Law Vol 1, No 2 (2017)
Publisher : Universitas Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (344.993 KB) | DOI: 10.21111/al-iktisab.v1i2.2389

Abstract

The financial flow can be regarded good or bad based on the function of centralbank in managing the circulation of money in Indonesia. Currently, the transanctiongiral money is more dominant than cartel money in the society. Because it tends to bemore effective, effecient and easy used in all economic activities. Most of the paymentsmaking up the transactions flow between several banks, which need one of the instrumentsthat settles the flow money circulated among the banks known as clearing. The objectiveof research is to know the mechanism of clearing and the structure of ‘aqd in the bankfrom Islamic law perspective. The finding shows that the application of clearing inIslamic banking has used Aplikasi kliring the contract of waka>lah, specifically waka>lahbilujroh that the bank will get the fees to represent the customers settling the payment.
SWOT Analysis of Marketing Strategies on Services in Islamic Financial Institutions (Case Study at KJKS (Sharia Financial Services Cooperative) BMT La Tansa Gontor Ponorogo) Annas Syams Rizal Fahmi; Ahmad Muqorobin
AL- IKTISAB Journal of Islamic Economic Law Vol 4, No 2 (2020)
Publisher : Universitas Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v4i2.5396

Abstract

Service is a form of marketing strategy in a company. In this case, many conventional financial institutions and Islamic financial institutions are competing in improving the quality of service to be provided to customers and potential customers. BMT La Tansa Gontor is one of the sharia financial institutions under the Sharia Financial Services Cooperative (KJKS) that try to give a solution on community's economic difficulties with the values of Islam by publishing murabahah financing products. In this study, the author will discuss how the marketing strategies that have been carried out by BMT La Tansa Gontor in terms of service. This research will use the SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis to find the extent of the services provided by BMT La Tansa and will provide conclusions about what BMT La Tansa should do after this research is complete. Marketing strategy that have been carried out by BMT La Tansa Gontor for customers is by giving services that have Gontor characteristics and characteristics namely, friendly service, comfortable communication based on kinship, the mechanism process in product purchasing procedures that is very comfortable to make customers loyal to BMT La Tansa Gontor, the staff's persuasive method apart from being young but also with a good appearance is its own attraction. The results of analysis and observation using SWOT, the researcher concluded that BMT La Tansa Gontor has some weaknesses, one of the factors were the lack of structured regeneration so that the pattern of value transformation and learning from seniors to juniors experienced difficulties and researchers could provide input that the strategy marketing that must be done by the BMT La Tansa Gontor in service to customers is to use SO (Strength-Oppoturnity) combined with ST (Strength-Threath) which is to take advantage of opportunities with existing strengths to be able to face threats from outside parties.
Model jual beli kredit (angsuran) pada Lembaga Keuangan Islam Non-Bank (Studi Kasus di Lembaga Keuangan Islam Non-Bank Kota Ponorogo) Ahmad Muqorobin; Annas Syams Rizal Fahmi
Al Tijarah Vol 6, No 2 (2020): December 2020
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v6i2.4808

Abstract

Jual-beli kredit (angsuran) sangat  ramai beredar di masyarakat, dikarenakan keperluan masyarakat akan barang secara langsung, sedangkan pembelian tidak dapat dilaksanakan langsung atau kontan.  Mekanisme ini memungkinkan untuk mendapatkan barang yang dibutuhkan dengan keterbatasan pendapatan yang mereka miliki, sehingga dengan transaksi demikian pembeli dapat memiliki barang-barang konsumsi tanpa harus membayar tunai. Islam mensyariatkan transaksi jual-beli dengan baik tanpa adanya unsur kesamaran, penipuan, riba dan dilakukan dengan dasar keridhoan. Tujuan khusus dari penelitian ini adalah untuk memperoleh model jenis jual-beli kredit (angsuran) yang dijalankan oleh lembaga keuangan Islam non-Bank, dengan tujuan tersebut dapat membantu nasabah untuk mendapatkan kebutuhan konsumtif maupun produktif demi memenuhi keperluan hidupnya. Penelitian ini menggunakan metode yuridis normatif yaitu penelitian hukum yang mempergunakan sumber data sekunder. Normatif, karena penelitian ini akan mengkaji dan menguji data-data sekunder mendapatkan pendapat para ulama fiqih, hukum-hukum, dalil-dalil dalam Al-Quran dan Hadist, yang berkaitan dengan model jual-beli kredit (angsuran) yang sesuai dengan syariat Islam. Hasil penelitian mengungkapkan jenis jual- beli kredit (angsuran) yang diterapkan oleh lembaga keuangan syariah non-Bank dan dapat menyesuaikan dengan model jual-beli kredit (angsuran) yang sesuai dengan ketentuan hukum Islam, sehingga kita semua bisa terhindar dari keraguan dan bertambah yakin serta bisa bermuamalah melakukan jual beli sesuai dengan prinsip-prinsip syariah dan terhindar dari riba.
Optimalisasi Sektor Pertanian melalui Penerapan Wakaf Berkelanjutan Ahmad Muqorobin; Mahmudah Agustiyani
Proceedings of Annual Conference for Muslim Scholars No Seri 1 (2017): AnCoMS 2017: Buku Seri 1
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (281.933 KB) | DOI: 10.36835/ancoms.v0iSeri 1.3

Abstract

Aplication of waqf in Indonesia are still traditional. This is evidenced by the laarge number of the waqf land still dormant or reserved only for worship. Whereas, in the land of the endowments are manage with good management and leads to the productive nature of it can help Indonesia’s developments in several sectors. According to the Minister of agriculture, agriculture land in Indonesia today many experienced a transfer of fungsion of the land. Therefor, the distribution of property including land endowments can be directed to development of the agricultural sector. The agricultural sector is one of the sectors of Indonesia’s economy so that the amplifier throughthe result of the sector can be developed for the contraction sector, such as education, health, economy and so on. So the necessary endowments that are sustainable in the management or sustainable agriculture in order to get maximum result and have an impact on development in other sectors. The writing of this paper use the data of the secondary with the study of librarianship with a qualitative description. In this paper also outline a SWOT analysis of the model of planning-based sustainable endowments.
Model Jual Beli Angsuran di Perbankan Syariah Ahmad Muqorobin; Muharrik Fitragara Fachreza
Proceedings of Annual Conference for Muslim Scholars No Series 1 (2018): AnCoMS 2018: Book Series 1
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (570.652 KB) | DOI: 10.36835/ancoms.v0iSeries 1.142

Abstract

Jual beli angsuran adalah salah satu bentuk muamalah yang ramai beredar di masyarakat, karena tingkat pendapatan seseorang itu berbeda untuk membeli barang baik secara langsung dan tidak, maka bentuk pembayaran dalam jual beli bisa dilakukan secara tunai dan tangguh. Contohnya sebagian orang akan memilih untuk membayar barang secara tunai karena kecukupan yang, sedangkan yang lain memilih membayar secara tangguh/kredit karena ketidakcukupan uang untuk membayar tunai. Pada konsepnya jual beli ini mengandung konsekuensi bahwa harga angsuran lebih besar dari pada harga kontan, karena adanya tambahan harga pada pembayaran yang ditangguhkan. Dalam implementasinya hubungan jual beli ini berlangsung antara nasabah dan perbankan syariah, yang mana nasabah sebagai pembeli dan bank syariah sebagai penjual. Penelitian ini bertujuan untuk meninjau potensi bank syariah dalam mengembangkan produk-produk pembiayaan dengan model jual beli angsuran. Metode yang digunakan dalam penelitian ini dengan metode kualitatif diskriptif dengan data primer dan sekunder. Temuan penelitian ini adalah model jual beli angsuran yang diterapkan diperbankan syariah yaitu; Murábahah, Ijárah Muntahiyah Bittamllik, Musyárakah Mutanáqishah dan Istishna'. Dengan model jual beli angsuran yang diterapkan perbankan syariah yang sesuai dengan hukum Islam, maka kita bisa terhindar dari keraguan dan bertambah yakin dalam bermuamalah dengan jual beli yang sesuai dengan syariah
Tourism in the Perspective of Islamic Fiqh Arnoldy Arnoldy; Aa Hubur; Ahmad Muqorobin
AL- IKTISAB Journal of Islamic Economic Law Vol 6, No 2 (2022): Al-Iktisab: Journal of Islamic Economic Law
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v6i2.8631

Abstract

Nowadays, halal tourism and tourism trends are increasingly in demand in the world. Seeing this potential, countries, both non-Muslim and Muslim countries, have relatively developed halal tourism. In the development of halal tourism, there is relatively no uniformity and consensus regarding halal tourism both in the world and in Indonesia, so that sometimes it confuses the actors in the tourism industry. This research aims to describe halal tourism activities in Islamic fiqh which is a conceptual review that uses qualitative research methods through literature study. This research results is, halal tourism is a segment of the world tourism market whose growth is good in line with the continued growth of the world's Muslim population, the number of a middle class in countries where the population is predominantly Muslim, and the number of world Muslim tourists. This potential causes many countries in the world to focus on serving this tourism segment, both Muslim and non-Muslim countries. Unfortunately, until now there is no uniformity and consensus regarding terms, terminology, content, and requirements for halal tourism both in the world and in Indonesia. Halal tourism standards adopted and used by Indonesia and several other countries in the world today relatively refer to the standards made by the Global Muslim Travel Index (GMTI), while the basic principles of fiqh in halal tourism in Indonesia are adopted from the Fatwa DSN-MUI No: 108/DSN-MUI/X/2016 concerning Guidelines for the Implementation of Tourism Based on Sharia Principles.Saat ini wisata dan trend wisata halal semakin diminati di dunia. Melihat potensi itu membuat negara-negara baik negara non-Muslim maupun negara Muslim relatif sudah mengembangkan wisata halal. Dalam perkembangan wisata halal relatif belum terdapat keseragaman dan konsensus mengenai wisata halal baik di dunia maupun di Indonesia sehingga kadang membingungkan para pelaku dalam industri pariwisata. Penelitian ini bertujuan untuk mendeskripsikan kegiatan wisata halal dalam fiqh Islam yang merupakan tinjauan konseptual yang menggunakan metode penelitian kualitatif melalui studi pustaka. Hasil penelitian ini adalah, wisata halal merupakan segmen pasar pariwisata dunia yang pertumbuhannya baik sejalan dengan terus tumbuhnya populasi Muslim dunia, jumlah kelas menengah di negara-negara yang penduduknya mayoritas Muslim, dan jumlah wisatawan Muslim dunia. Potensi tersebut menyebabkan banyak negara di dunia fokus melayani segmen wisata ini, baik negara Muslim maupun non-Muslim. Sayangnya, sampai saat ini belum ada keseragaman dan kesepakatan mengenai istilah, terminologi, isi, dan persyaratan wisata halal baik di dunia maupun di Indonesia. Standar pariwisata halal yang dianut dan digunakan oleh Indonesia dan beberapa negara lain di dunia saat ini relatif mengacu pada standar yang dibuat oleh Global Muslim Travel Index (GMTI), sedangkan prinsip dasar fiqh dalam pariwisata halal di Indonesia diadopsi dari Fatwa DSN-MUI No: 108/DSN-MUI/X/2016 tentang Pedoman Penyelenggaraan Pariwisata Berdasarkan Prinsip Syariah.
Legal Facts in Legal Opinions Formulation on The Decisions of Islamic Civil Case Ahmad Muqorobin; May Shinta Retnowato; Nur Helmy Iffah Wafiyah
Veteran Law Review Vol 6 No 1 (2023): Mei 2023
Publisher : Faculty of Law |Universitas Pembangunan Nasional "Veteran" Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35586/velrev.v6i1.4629

Abstract

Development of Islamic civil cases today, the problems that arise in society are increasingly complex and the public's need for services in the legal field is getting higher. This does not escape the need for legal opinions from experts such as lawyers, advocates, or legal advisors. This legal opinion is what we often call a legal opinion. In practice, the determination of a punishment must be fair. To realize this justice, the law enforcers should be impartial and consider many things before deciding on a sentence or giving a legal opinion. The weighing of these decisions can be done by looking at the facts that happened and studying them, presenting witnesses, and so on. Legal facts are one of the processes that cannot be overlooked by persons investigating a case, because if this process is missed or not thorough enough, it can affect a decision. The method used in this study is a qualitative juridical normative method. This study aims to find out that legal facts will affect the decisions of Islamic civil law that will be taken and legal opinions that will be made by a legal expert. The result of the study is that Legal facts are important to note because the discovery and analysis of legal facts can support and complete the clauses that will be included in the legal opinion and the decisions that will be handed down by the judge on the defendant. Although in the civil law rules there is no information about the importance of legal facts in legal opinions, if viewed from the facts that occur, it can be identified as a legal risk that will be accepted by the client.
IMPLEMENTASI GOOD CORPORATE GOVERNANCE DI BANK SYARI’AH (STUDI KASUS DI BANK BTN SYARI’AH CAB. MALANG) AHMAD MUQOROBIN
Ijtihad Vol. 11 No. 2 (2017)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1978.179 KB) | DOI: 10.21111/ijtihad.v11i2.2554

Abstract

Munculnya krisis moneter di Indonesia tahun 1997 disebabkan oleh rendahnya penerapan Good Corporate Governance (GCG). Memasuki abad 21, abad globalisasi yang penuh dengan tantangan dan persaingan, maka penerapan prinsip (GCG) telah menjadi suatu kebutuhan serta kepatuhan dalam pengelolaan perusahaan seperti perbankan syari’ah dilakukan untuk meningkatkan dan menjaga kepercayaan masyarakat terhadap Bank Syari’ah sebagai lembaga kepercayaan dan intermediasi, melindungi kepentingan stakeholders, meningkatkan moral serta meingkatkan nilai-nilai (values) bagi perusahaan. Penerapan prinsip (GCG) secara sederhana dapat diwujudkan dengan cara peningkatan etos dan budaya kerja yang amanah. Penelitian ini bertujuan untuk mengetahui penerapan prinsip-prinsip (GCG) pada PT Bank Negara Syariah cabanga Malang dalam pelaksanaan prinsip-prinsip (GCG) dan cara mengatasinya. Berdasarkan penelitian, diperoleh jawaban penerapan prinsip-prinsip (GCG) di Bank BTN Syari’ah cabang Malang dengan mengikuti 5 (lima) prinsip (GCG). Dalam prinsip transaksi yaitu: adanya kejelasan fungsi pada laporan keuangan, kejelasan informasi produk pada nasabah, serta kejelasan pada manajemen risiko. Prinsip akuntabilitas diterapkan dalam bentuk pelaksanaan budaya kerja, laporan audit, serta adanya pembinaan unit usaha. Prinsip responsibilitas yaitu dengan adanya penerapan yang berhubungan terhadap CSR. Prinsip indepedensi yaitu dengan adanya pengambilan segala keputusan secara obyektif dengan tidak adanya tekanan dari pihak lain. Dan prinsip kewajaran serta keadilan dilaksanakan demi memperhatikan kepentingan stakeholders dengan pemberian informasi yang wajar serta adanya keadilan yang diterapkan dalam pihak internal bank.
أحكام الحيل في التمويل المصرفي دراسة فقهية تحليلية Ahmad Muqorobin; Imam Kamaluddin; Annas Syams Rizal Fahmi
Ijtihad Vol. 14 No. 2 (2020)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (362.801 KB) | DOI: 10.21111/ijtihad.v14i2.4583

Abstract

تعد المحاولات الجادة في العصر الحديث من خلال إنشاء المصارف الإسلامية التي تقوم بأعمال التمويل والاسثمار التي تسعى إلى تجسيد نظرة الإسلام للمال والاستثمار بما يتماشى ومتطالبات العصر، فأهم عقبة تعوق عملية تنمية المصارف هي التمويل، فنمو المصارف مرتبط بتمويله. فتهدف هذه الدراسة لبحث عن أحكام صيغ التمويل التي قد وقعت الحيل الفقهية في بعض صيغ التمويل المصرفي بصور مختلفة، ولكشف حقيقة الهدف لوجود الحيل التي وقعت في صيغ التمويل المصرفي، وما حكم الحيل في تلك الصيغة، إما أن يكون محرما أو جوازا. واعتمد من خلال هذا البحث بالمنهج الوصفي التحليلي والمنهج الاستقرائي معًا في تناول أحكام الحيل الفقهية من خلال وصف حقيقتها، ثم استقراء التمويل المصرفي بصيغة بيع المرابحة للآمر بالشراء والتورق المنظم التي وقعت فيها الحيل الفقهية.وخلصت الدراسة إلى نتائج عديدة ومن أبرزها أن الحيل الفقهية قد دخلت في تأسيس معاملات المصرفية الإسلامية لأجل تحقق أمرين هما؛ التوسع في خدمات التمويل لعملائها، وتقليل المخاطر المترتبة على العمليات المصرفية لأقصى درجة ممكنة، على سبيل المثال في صيغة بيع المرابحة لآمر بالشراء التي أضافها الوعد الملزم،  فيحيلها إلى حيلة ممنوعة، إلا في حالات مستثنأة، وأما صيغة التورق المنظم فيها حيلة محرمة للتحيل على الربا.