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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Justisia Ekonomika Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Journal of Islamic Economics
rukhul amin
UMSurabaya
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SADD AL-DZARI’AH:KORELASI DAN PENERAPANNYA DALAM HUKUM EKONOMI SYARIAH rukhul amin
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6856

Abstract

This paper describes the importance of sad al-dzari'ah in determining Islamic law, especially in relation to the business-economy world which tends to be dynamic. Sadd al-dzari'ah is a legal instrument in Islam that is good if it is applied properly, in accordance with the rules of syara '. It can be a tool that can be used to create the benefit of the people and prevent it from being damaged. One example that can be seen in seeing the importance of sadd al-dzariah in the national legal system is the application of the actio paulina principle, the regulations of which can be found in Articles 1341 and 1061 of the Civil Code and Articles 41 to 47 of the bankruptcy law. However, as it plays a very important role in the search for law, on the one hand sadd al-dzari'ah can also be something negative. This can happen if the use or application is not / not done carefully, especially if it is not based on broad social piety in the community. Keyword: Sadd/Fath al-Dzari’ah, Maqashid al-Syariah, Actio Paulina
Surat Berharga Syariah Negara (SBSN) Dan Pengaturannya Di Indonesia Rukhul Amin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2016)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (427.644 KB) | DOI: 10.30651/jms.v1i2.766

Abstract

Surat Berharga Syariah Negara (SBSN) sebagai salah satu bentuk derivatif dari surat berharga syariah, di samping Surat Utang Negara (SUN), telah memiliki pengaturan yang cukup lengkap, mulai dari Undang-Undang No. 19 tahun 2008 tentang SBSN, Peraturan Pemerintah No.56/2008 tentang Perusahaan Penerbit SBSN, Peraturan Pemerintah No. 57/2008 tentang Pendirian Perusahahaan Penerbit SBSN maupun Fatwa DSN-MUI seperti Fatwa MUI No. 69/DSN-MUI/VI/2008 tentang Surat Berharga Syariah Negara dan Fatwa MUI No. 70/DSN-MUI/VI/2008 tentang Metode Penerbitan Surat Berharga Negara serta Peraturan-peraturan Menteri lainnya
Identifikasi Pola Pengelolaan Dana Sosial Perbankan Syariah Di Indonesia: Sebuah Tinjauan Literatur Muhammad Fatikhul Mufidz; Arin Setiyowati; Rukhul Amin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (546.785 KB) | DOI: 10.30651/jms.v6i1.8603

Abstract

Berdasarkan amanah Undang-Undang No. 21 tahun 2008 tentang perbankan syariah, bahwa perbankan syariah ditunjuk untuk menjalankan fungsi sosial. Tujuan penelitian ini adalah untuk mengetahui bagaimana pola pengelolaan dana sosial di perbankan syariah. Penilitian ini dilakukan dengan jenis penilitian kualitatif dengan pendekatan studi pustaka (library research). Hasil penilitian ini menunjukan bahwa pengelolaan dana sosial difokuskan pada pengumpulan dan pendistribusian. Pengelolaan dana sosial Bank Syariah bersumber dari dana zakat, infak, sedekah, wakaf dan hibah dihimpun dari pegawai bank syariah, nasabah bank syariah dan masyarakat umum. Pendistribusian dana sosial Bank Syariah ada dua ragam, penyaluran dana sosial melalui LAZ internal yaitu Bank Syariah Mandiri, Bank Muamalat Indonesia (BMI), BNI Syariah, dan BTN Syariah. Sedangkan penyaluran dana sosial yang melalui LAZ eksternal Bank Syariah salah satunya melalui Badan Amil Zakat Nasional (BAZNAS) yaitu BCA Syariah, BRI Syariah, Bank Mega Syariah, dan Bank Victoria Syariah. Penyaluran dana sosial melalui LAZ internal di dominasi program pemberdayaan ekonomi, pendidikan, dan kesehatan. Sedangkan penyaluran dana sosial yang melalui LAZ eksternal di dominasi program pendidikan, kesehatan dan keagamaan. ada perbedaan dari kedua ragam pola pengelolaan dana sosial Bank Syariah yakni pada pelaporan pengelolaan dana sosial, ragam kegiatan dan Mekanisme Pendistribusian Dana sosial.  Keyword: Pengelolaan, Dana Sosial, Perbankan Syariah
Dinamika Penerapan Murabahah Dalam Sistem Perbankan Syariah Rukhul Amin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2016)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (625.228 KB) | DOI: 10.30651/jms.v1i1.743

Abstract

Sistem operasional bank syariah pada awalnya lebih didasarkan pada instrumen Profit and loss sharing (PLS). Namun saat ini, model pendanaan yang paling populer dan banyak dimanfaatkan, baik oleh bank maupun nasabah,  justru transaksi-transaksi berdasarkan mark-upyang memberikan tingkat kepastian pembayaran. Di sisi lain, sebagian masyarakat masih menganggap perbankan syariahdengan akad murabahah sebagai produk utamanya, tak ubahnya/tidak lebih baik dari perbankan konvensional yang  menerapkan prinsip bunga. Berangkat dari alasan di atas, tulisan ini mencoba menguraikan/mengidentifikasi beberapa hal mengenai dinamika penerapan produk murabahah di perbankan syariah.
Obligasi Syariah Dan Pengaturannya Di Indonesia Rukhul Amin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (266.112 KB) | DOI: 10.30651/jms.v5i2.7170

Abstract

Abstrak Obligasi syariah telah memiliki landasan pijak, baik secara institusional negara maupun agama. Namun demikian, masih tercerai-berainya beberapa peraturan itu menimbulkan beberapa kesulitan dalam memahaminya, terlebih lagi bagi seseorang yang baru mempelajari obligasi.Oleh karena itu, tulisan ini mencoba merangkum beberapa hal yang berkaitan dengan obligasi syariah ditinjau dari peraturan yang berlaku. Dan berkenaan dengan masih tercerai berainya peraturan yang ada, maka menurut penulis perlu kiranya suatu langkah untuk mengakomodir berbagai peraturan terkait efek syariah dalam suatu peraturan perundangan tentang pasar modal syariah.
Pengaruh Kemudahan Penggunaan dan Promosi terhadap Minat Nasabah Menggunakan Layanan Transaksi Qris pada BSI di Surabaya Abdul Mujib; Rukhul Amin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i1.19495

Abstract

AbstrakPerkembangan teknologi dan jaringan komputer di dunia saat ini mempunyai pertumbuhan yang semakin pesat, begitupun di Indonesia. Internet merupakan komponen terpenting dari kemajuan teknologi modern, hampir setiap aspek kehidupan tidak terlepas dengan teknologi internet. Teknologi informasi dan komunikasi digunakan oleh industri perbankan untuk meningkatkan kualitas dan kuantitas pelayanan pada nasabahnya. Adanya perkembangan teknologi yang semakin baik memunculkan suatu teknologi baru yang dinamakan QRIS (Quick Response Code Indonesia Standart) yaitu alat untuk bertransaksi secara digital untuk menghindari physical distancing, dan untuk mempermudah pembayaran dengan efektif dan efisien.
Islamic Marketing Management at Sofyan Kalimas Hotel and Namira Syariah Hotel in Surabaya Abdul Mujib; Rukhul Amin
Journal of Islamic Economics (JoIE) Vol. 4 No. 2 (2024)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v4i2.10200

Abstract

Introduction: Currently, the halal tourism business through sharia hotels is increasingly vibrant in the era of globalization in line with the large demand for domestic and foreign halal tourism markets. Islamic marketing is an important part in developing the halal industry in the hotel sector, in addition to sharia compliance in sharia hotels. The purpose of this research is to analyze sharia hotel marketing management: case studies at Sofyan Kalimas Hotel and Namira Hotel in Surabaya, East Java, Indonesia. Research Methods: This research uses a case study approach with a descriptive qualitative research type the researcher will directly engage in fieldwork to conduct observations and data collection. The data will be sourced from both primary and secondary data. Data collection techniques will include interviews with several informants, observations and documentation. The analysis process will begin with data collection, followed by data reduction to select key information, presentation of the data, and finally drawing conclusions. Result: The research results show that sharia hotel marketing management in stills religious values by emphasizing norms, attitudes and behaviour by applying Islamic principles, Islamic practices, Islamic rules and Islamic beliefs, both internal and external management. In internal marketing as a differentiator from conventional hotels, it adds the Islamic atmosphere variable and externally it adds Islamic brotherhood. Conclusion: Then, to improve marketing, hotel management must build relationships and collaborate with stakeholders, including the government, institutions, Islamic mass organizations which are marketing targets.
MARKETING STRATEGY ANALYSIS OF GOLD PAWN PRODUCTS AT BANK SYARIAH INDONESIA: CASE STUDY AT BANK SYARIAH INDONESIA KCP SIDOARJO AHMAD YANI Erika; Rukhul Amin; Haqiqi Rafsanjani
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 1 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i1.2533

Abstract

This study analyzes the marketing strategy of gold pawn products at Bank Syariah Indonesia (BSI) KCP Sidoarjo Ahmad Yani with the Marketing Mix 7P approach. The method used is qualitative with a phenomenological approach, where data is obtained through interviews and observations. The results of the study indicate that the marketing strategy includes products, prices, promotions, places, people, physical evidence, and processes. BSI gold pawn products excel in low deposit fees (ujroh), high estimated value, and fast service through BSI Mobile and Byond. The pricing strategy uses the Basic Gold Price (HDE) based on the average gold price in the last four months and considering competitor prices. Promotion is carried out through flyers, banners, socialization, application pop-ups, and WA Blast. Product distribution is easier with digital services that allow customers to make transactions without going to a branch office. In terms of service, customer service plays a role in providing information and assisting with transactions. Physical evidence can be seen from the office facilities and attractive promotional materials. The gold pawn process is made efficient, from handing over gold to disbursing funds and extending the pawn digitally. Although still facing competition with conventional pawnshops, the 7P-based marketing strategy has proven to increase the appeal of this product. More aggressive innovation and promotion are needed so that BSI gold pawnshops are better known to the public.
MARKETING STRATEGY ANALYSIS OF SAVINGS PRODUCTS AT PT BANK MUAMALAT KCP WIYUNG Fahrur Rosi; Dian Berkah; Rukhul Amin
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i1.2555

Abstract

This study examines the implementation of savings product marketing strategies at PT Bank Muamalat KC Wiyung and its impact on increasing the number of customers and savings funds. In-depth interviews were conducted with the branch managers of Bank Muamalat Wiyung to obtain an overview of how the bank markets savings products and the challenges faced in implementing them. The results of the study indicate that a combination of marketing strategies through sharia channels such as branch offices and digital such as mobile banking and the use of referral programs can effectively attract new customers and retain old customers. In addition, the implementation of a personal approach through direct visits and promotional campaigns strengthens customer relationships with the bank. However, the bank still faces challenges from intense competition and difficulties in introducing new products to an increasingly growing market. This study highlights the importance of managing innovative and sustainable marketing strategies, and how this can increase customer loyalty and the competitiveness of Bank Muamalat's savings products in the sharia banking market.
Co-Authors ABDUL MUJIB Dian Berkah Erika Fahrur Rosi Haqiqi Rafsanjani Muhammad Fatikhul Mufidz Setiyowati, Arin