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All Journal El-Faqih : Jurnal Pemikiran dan Hukum Islam An-Nawa : Jurnal Studi Islam Kartika: Jurnal Studi Keislaman At Tasyri'i Jurnal Prodi Perbankan Syariah
Hari Widiyanto
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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APLIKASI PEMBIAYAAN MUDHARABAH DAN PENGELOLAAN RISIKO BMT Hari Widiyanto
Indonesia Vol 1 No 1 (2019): An-Nawa: Jurnal Studi Islam
Publisher : Rumah Jurnal Sekolah Tinggi Agama Islam An-Nawawi Purworejo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37758/annawa.v1i1.113

Abstract

BMT termasuk salah satu dari LKS yang sedang berkembang di kalangan masyarakat menengah ke bawah bahkan pada golongan masyarakat menengah ke atas. Layanan/jasa BMT seringkali digunakan dan banyak diakses oleh masyarakat kecil yang membutuhkan dana untuk menjalankan suatu usaha (modal kerja), di mana BMT berperan sebagai mitra usaha dengan pembagian bagi hasil atau margin atau mark-up yang proporsional. Di dalam proses melakuakan pembiayaan mudharabah terdapat resiko-risiko yang harus ditangani oleh BMT AN-Nawawi Berjan Purworejo diantaranya adalah bussines risk, unusual bussines risk, disaster risk. Padahal BMT An-Nawawi Berjan Purworejo produk mudharabah adalah produk unggulan, hal ini dapat diatasi dengan jalan menentukan syarat-syarat tertentu yang harus dipenuhi oleh nasabah sebagai pengelola dana mudharabah. Pembiayaan bermasalah merupakan salah satu risiko besar yang ada di setiap dunia perbankan baik pada bank umum, bank syariah maupun pada BMT sekalipun tidak dapat terhindar dari risiko pembiayaan bermasalah. BMT An-Nawawi Berjan Purworejo tetap bisa mampu meyelesaikan masalah. Kerja sama, baik dalam Mudharabah adalah sesuatu yang sangat dianjurkan dalam Islam agar kita dapat saling membantu dalam menanggung risiko usaha tentu yang sesuai dengan syariah. Mudharabah yang termasuk salah satu jenis Kerjasama, yang saat ini memiliki banyak kendala dalam perkembangannya sehingga shahibul mal/bank enggan memakai skema kontrak ini.
PENGARUH MARKETING MIX TERHADAP KEPUTUSAN MITRA DALAM MEMILIH PEMBIAYAAN MUḌĀRABAH DI BMT ANNAWAWI BERJAN PURWOREJO Hari Widiyanto
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 4 No. 1 (2021): Jurnal At Tasyri'i Januari-Juni 2021
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v4i1.126

Abstract

Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh marketing mix (produk, harga, tempat, promosi, orang, proses dan bukti fisik) terhadap keputusan mitra dalam memilih pembiayaan muḍārabah di BMT AnNawawi Berjan Purworejo. Populasi dalam penelitian ini adalah seluruh mitra pengguna produk pembiayaan muḍārabah di BMT An-Nawawi Berjan Purworejo. Sampel yang di gunakan sebanyak 59 responden. Teknik analisis data dalam penelitian ini menggunakan metode regresi linier berganda dengan menggunakan aplikasi SPSS versi17.0, dengan pendekatan penelitian lapangan yang bersifat deskriptif kuantitatif.Hasil penelitian ini menunjukkan bahwa secara simultan (bersama-sama) variabel bebas/independen (marketing mix) berpengaruh signifikan terhadap variabel terikat/dependen (keputusan mitra dalam memilih pembiayaan muḍārabah di BMT An-Nawawi Berjan Purworejo). Sedangkan secara parsial, variabel orang berpengaruh signifikan terhadap keputusan mitra dalam memilih pembiayaan muḍārabah di BMT An-Nawawi Berjan Purworejo dengan nilai probabilitas sebesar 0,019. Sementara untuk variabel produk, harga, tempat,promosi, proses dan bukti fisik secara parsial tidak berpengaruh terhadap keputusan mitra dalam memilih pembiayaan muḍārabah di BMT An-Nawawi Berjan Purworejo dengan nilai probabilitas masing-masing sebesar 0,726, 0,245, 0,316, 0,645, 0,130 dan 0,989. Sedangkan nilai R2 sebesar 0,346 yang menunjukkan bahwa keputusan mitra dalam memilih pembiayaan muḍārabah di BMT An-Nawawi Berjan Purworejo dapat di jelaskan oleh variabel penelitian sebesar 34,6%, sedangkan sisanya di jelaskan oleh variabel lain yang tidak di teliti dalam penelitian ini.
Analisis Kedudukan Istri sebagai Pencari Nafkah Utama: Telaah dalam Perspektif Kompilasi Hukum Islam dan Maslahah mursalah Yasid Amanulah; Hari Widiyanto; Muhammad Mustahal
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol. 11 No. 2 (2025): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

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Abstract

Social and economic changes in the modern era have led to shifts in household roles, including the phenomenon of wives becoming the primary breadwinners. This issue raises legal and social questions from an Islamic perspective, particularly under the Compilation of Islamic Law (KHI) and the concept of maslahah mursalah. This study aims to analyze the legal status of wives as primary breadwinners based on KHI provisions and the maslahah mursalah principle. The research employs a qualitative approach with normative analysis of Islamic legal regulations and concepts. The findings indicate that, under KHI, the husband is primarily responsible for providing for the family. However, under certain circumstances, the wife may assume this role while maintaining balance in the household. From the perspective of maslahah mursalah, this phenomenon is permissible as long as it brings benefits to the family and does not cause harm. Therefore, Islam provides flexibility in the division of financial responsibilities, ensuring justice and family welfare remain upheld.
Fenomena Istri sebagai Pencari Nafkah Utama dalam Perspektif Mazhab Syafi’i Muchamad Khoirul Umam; Hari Widiyanto; Ahmad Nursobah
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol. 11 No. 2 (2025): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

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Abstract

This phenomenon raises questions regarding the legal status of financial support (nafkah), the obligations of husbands and wives, and the legal implications when viewed through the lens of Shafi’i jurisprudence. The research employs a normative-juridical method with a library research approach, drawing on classical Shafi’i fiqh literature as well as secondary sources such as books, journals, and relevant articles. Data were analyzed descriptively and analytically by outlining normative provisions in Shafi’i jurisprudence and linking them to contemporary social realities. The findings reveal that, according to the Shafi’i school, the husband’s obligation to provide financial support does not lapse even if the wife works or assumes the role of the main breadwinner, as this obligation is a consequence of the marriage contract. Meanwhile, wives are permitted to work as long as they obtain their husband’s permission, adhere to Islamic legal guidelines, and do not neglect household responsibilities. Thus, the phenomenon of wives as primary breadwinners is permissible insofar as it is carried out within the framework of Islamic law as understood in the Shafi’i school.
Dampak Negatif Pernikahan Dini Terhadap Kualitas Hidup Perspektif Maqhasid Syariah dan Undang-Undang Pernikahan Nomor 16 Tahun 2019 Muhammad Ali Masykur; Hari Widiyanto; Arifuat Marzuki
El-Faqih : Jurnal Pemikiran dan Hukum Islam Vol. 11 No. 2 (2025): EL FAQIH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

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Abstract

Early marriage remains a prevalent phenomenon in Indonesia, with a profound impact on the quality of individuals’ lives. From the perspective of Maqāṣid al-Syarī‘ah, marriage is considered a completion of worship aimed at achieving human welfare. Law Number 16 of 2019 concerning Amendments to Law Number 1 of 1974 on Marriage stipulates the minimum age for marriage for both men and women as 19 years old. This provision aims to prevent and minimize various negative consequences arising from the practice of early marriage. This study aims to analyze the essence of early marriage from the perspective of Law Number 16 of 2019 and Maqāṣid al-Syarī‘ah, identify the factors contributing to the high prevalence of early marriage, and examine its impacts on individuals’ quality of life.This research employs a qualitative method with a library research approach, enabling the researcher to gain an in-depth understanding of early marriage from the perspectives of Maqāṣid al-Syarī‘ah and the Compilation of Islamic Law, as well as its implications for individuals’ lives. The findings reveal that early marriage has negative impacts on various aspects of life, including family economic instability, low income levels, increased risks of poverty, divorce, and even neglect. Limited financial resources also lead to difficulties in accessing healthcare services, which consequently affects the overall quality of family health.
Legitimasi Yuridis Putusan Hakim Tentang Pernikahan Dalam Masa Syibhul Iddah: Analisis Perkara Nomor: 274/Pdt.P/2024/PA.Wsb Nur Febriyanti, Salsabila; Hari Widiyanto; Waluyo Sudarmaji
Kartika: Jurnal Studi Keislaman Vol. 6 No. 1 (2026): Kartika: Jurnal Studi Keislaman (Februari)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i1.422

Abstract

Divorce in Indonesian law and Islamic law raises issues concerning the iddah period and syibhul iddah, which often create tension between normative legal provisions, the protection of women’s rights, and social realities in the Religious Courts. Judicial decisions permitting former husbands to remarry during the syibhul iddah period, such as in Case No. 274/Pdt.P/2024/PA.Wsb, highlight the importance of examining the legal basis, judicial reasoning, and their conformity with Islamic legal principles and positive law. This study aims to analyze the legal foundations and the use of judicial discretion in granting permission to marry during syibhul iddah, assess its conformity with maqāṣid al-sharī‘ah and positive law, and examine its contribution to legal certainty, public benefit, and the development of contemporary Islamic family law. This research employs a qualitative library research method using a document study approach. The findings indicate that the approval of marriage permission in this case has a strong basis in both positive law and shar‘ī principles, as there is no normative prohibition for men to marry during the syibhul iddah period. Moreover, the decision aligns with maqāṣid al-sharī‘ah by safeguarding nasab, honor, religion, and public welfare
Analisis Pertimbangan Hakim Pengadilan Agama terhadap Penetapan Asal Usul Anak dari Perkawinan Siri: Studi Kasus Putusan No. 340/Pdt.P/2025/PA.Wsb Aulia Fitriani, Rahmi; Hari Widiyanto; Septian Fiktor Riyantoro
Kartika: Jurnal Studi Keislaman Vol. 6 No. 1 (2026): Kartika: Jurnal Studi Keislaman (Februari)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i1.425

Abstract

Unregistered (siri) marriages conducted without state registration lack formal legal force and create legal uncertainty regarding a child’s status, particularly in relation to identity, lineage, and civil relations with the father. This condition may undermine the fulfillment of the child’s civil rights and population administration requirements. This study examines the role of the Religious Court and the legal considerations of judges in determining a child’s origin from a siri marriage through a case study of the Decision of the Wonosobo Religious Court Number 340/Pdt.P/2025/PA.Wsb. The research employs a normative legal method with a case study approach. The findings indicate that the Religious Court plays a significant role in providing legal certainty and protecting children’s rights by basing its decision on the principle of the best interests of the child. The determination enables the inclusion of the father’s identity on the child’s birth certificate, supports orderly population administration, and prevents discrimination against the child, without conferring legal validity on the siri marriage under state law.
Co-Authors Ahmad Nursobah Arifuat Marzuki Aulia Fitriani, Rahmi Az Zahra Jasmine Yustisio Lunaraisah Muchamad Khoirul Umam MUHAJIR Muhammad Ali Masykur Muhammad Mustahal Nur Febriyanti, Salsabila Septian Fiktor Riyantoro Waluyo Sudarmaji Yasid Amanulah