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Analisis Manfaat Mudharabah Muqayyadah Produk Pembiayaan Linkage pada Bank BRI Syariah Cabang Purwokerto Murdiyah Murdiyah; Encep Saepudin
JURNAL HUKUM EKONOMI SYARIAH Volume 1, No. 1, April 2018
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Purwokerto

Penelitian ini bertujuan untuk Untuk mengetahui penerapan akad mudharabah pada produk pembiayaan linkage di Bank BRI Syariah Purwokerto dan mengetahui manfaat pemilihan akad mudharabah muqayyadah pada produk linkage di Bank BRI Syariah cabang Purwokerto. Jenis penelitian ini adalah penelitian lapangan (field research) yang berjenis kualitatif, penelitian dilakukan di Bank BRI Syariah cabang Purwokerto. Metode pengumpulan data dalam penelitian dilakukan dengan cara wawancara, observasi dan dokumentasi. Hasil penelitian ini menunjukan bahwa proses pelaksanaan pembiayaan linkage di Bank BRI Syariah cabang Purwokerto yaitu Kopkar (Koperasi Karyawan) atau KPRI mengajukan permohonan pembiayaan, setelah itu Bank melakukan BI Checking terhadap koperasi, kemudian wawancara dan pemenuhan dokumen persyaratan, bank melakukan analisa layak atau tidaknya koperasi diberikan pembiayaan, setelah itu On the Spot (OTS) dan transaksi jaminan, kemudian koperasi menandatangani surat pesetujuan pembiayaan setelah itu dilakukan akad pembiayaan dan kemudian Bank BRI Syariah melakukan pencairan pembiayaan. Bank BRI Syariah menyalurkan pembiayaan linkage kepada koperasi dengan menggunakan mudharabah muqayyadah karena memiliki banyak manfaat baik dari beberapa pihak yaitu : Bank BRI Syariah (shahibul maal), koperasi (mudharib) dan anggota koperasi.

Strategi Pengembangan Model Bisnis bagi Anggota Madrasah Bisnis Muhamamadiyah Abdurahman Bin Auf Encep Saepudin; Safitri Mukarromah
Jurnal Literasi Pengabdian dan Pemberdayaan Masyarakat Vol 1, No 1 (2022): Maret
Publisher : CV Litera Inti Aksara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61813/jlppm.v1i1.7

Berdasarkan pemberdayaan ekonomi anggota Pimpinan Cabang Pemuda Muhammadiyah (PC PM) Ajibarang, yang kini sudah bergabung dalam Madrasah Bisnis Abdurahman bin Auf (MBAA) diketahui bahwa mitra masih belum memiliki model bisnis yang akan dikembangkan pada masa depan. Pengembangan model bisnis harus berdasarkan konsep manajemen modern. Karena itu, dibutuhkan suatu pemberdayaan berkelanjutan dalam bentuk pelatihan teori dan praktek pada mitra sehingga bisnis dikelola tidak secara otodidak, melainkan berdasarkan prinsip manajemen modern. Peserta diajak mencatat profil bisnisnya dan target yang diinginkan dalam satu, dua, hingga lima tahun ke depan. Kemudian, menginventarisasi produknya dalam hal inovasi, sumber bahan baku, mesin/alat bantu kerja. Peserta juga harus mencatat positioning, targeting, dan segmenting pasarnya sehingga fokus pada target yang ingin dicapai. Dilanjutkan dengan menyusun kemampuan modal yang tersedia dengan mengetahui modal yang dibutuhkan dan mencatat sumber modal sendiri dan modal yang harus pinjam, serta kemampuan dalam pengembalian.

Gus Baha’s Perspective on Religious Tolerance and How the Public Respond Khristianto, Khristianto; Pujiyatno, Ambar; Saepudin, Encep; Al Aqad, Mohammed H.
JSSH (Jurnal Sains Sosial dan Humaniora) Article In Press: JSSH (Jurnal Sains Sosial dan Humaniora) Vol. 8 No. 2 September 2024
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jssh.v8i2.23707

Tolerance in religion practices among different groups or differen religious communities is always important in plural societies like Indonesia. However, the fact shows that many intolarance cases still occur in the country. This study is an endevour to explore the tolerance teaching brought by Gus Baha in his traditional islamic lectures. In addition, the reaction of the public to the teaching was also examined. It adopted a digital ethnography approach employing virtual data as the main sources, including YouTube Video, and the comments of netizen following them. The ideas of tolerance were analyzed thematically, and the comments were classified, following the Appraisal theory (Martin & Rose, 2005). Based on the analysis, it reveals that Gus Baha makes use of old stories involving prophets, the Prophet and his companion as they implemented tolerant practices of daily business and religious matters. The stories there proved upscaled tolerance exemplified by the best models for Moslem communities. The public (netizen) have shown positive responses toward the ideas, as it is proved from their positive emotion (80%), and judgment (74%), meaning they like the idea and agree that they are right. In turn, it is expected that they would practice the models of tolerance in their own daily lives.

Gus Baha’s Perspective on Religious Tolerance and How the Public Respond Khristianto, Khristianto; Pujiyatno, Ambar; Saepudin, Encep; Al Aqad, Mohammed H.
JSSH (Jurnal Sains Sosial dan Humaniora) JSSH (Jurnal Sains Sosial dan Humaniora) Vol. 8 No. 2 September 2024
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jssh.v8i2.23707

Tolerance in religion practices among different groups or differen religious communities is always important in plural societies like Indonesia. However, the fact shows that many intolarance cases still occur in the country. This study is an endevour to explore the tolerance teaching brought by Gus Baha in his traditional islamic lectures. In addition, the reaction of the public to the teaching was also examined. It adopted a digital ethnography approach employing virtual data as the main sources, including YouTube Video, and the comments of netizen following them. The ideas of tolerance were analyzed thematically, and the comments were classified, following the Appraisal theory (Martin & Rose, 2005). Based on the analysis, it reveals that Gus Baha makes use of old stories involving prophets, the Prophet and his companion as they implemented tolerant practices of daily business and religious matters. The stories there proved upscaled tolerance exemplified by the best models for Moslem communities. The public (netizen) have shown positive responses toward the ideas, as it is proved from their positive emotion (80%), and judgment (74%), meaning they like the idea and agree that they are right. In turn, it is expected that they would practice the models of tolerance in their own daily lives.

GUS BAHA’S MODERATION DISCOURSE STRATEGY ON BANK INTEREST ISSUE Pujiyatno, Ambar; Khristianto, K; Sorayyaei Azar , Ali; Saepudin, Encep
Lire Journal (Journal of Linguistics and Literature) Vol. 9 No. 1: Lire Journal (Journal of Linguistics and Literature)
Publisher : Elite Laboratory Jurusan Sastra Inggris Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/lire.v9i1.349

This study aims to reveal Gus Baha’s (hereafter referred to as GB) moderation thoughts in presenting discourse on bank interest. The data sources used are the videos of GB’s Islamic lectures broadcasted by several YouTube channels. The oral text data is sorted, based on relevant theme. The data were then studied, based on Fairclough’s (1,2) discourse analysis framework, focusing on textual analysis, and its interpretation. This study applied a lexicographer tool, Ant.Cont. 3.5.9, to map the lexical choices in the speeches. Based on the analysis, the construction of the discourse is marked by the use of certain words like wong (people) for making many story telling to build a logics, the dominance of declarative structure to convey his views and reasons, the humor register to create a friendly atmosphere, and intertextuality of issue history and opinions of some big NU clerics to support his arguments. The main objective of developing a moderate and balanced discourse of bank interest is to build social control as an effort to create a conducive religious and social climate, by providing comprehensive views/arguments to accommodate the variety of opinions that arise. The function of GB’s discourse is to steer a middle way for the disputes in Muslim society

Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) Sebagai Alat Pembayaran Di Kalangan Generasi Baru Indonesia Purwokerto Berdasarkan Akad Wadi’ah Danica Salsava Tanusi; Saepudin, Encep
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 01 (2025): JESPB Edisi April 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i01.2167

The purpose of this study was to determine the effectiveness of using the QRIS feature as a means of payment among GenBI Purwokerto, to determine the factors that influence interest in using QRIS as a means of payment among GenBI Purwokerto, and to determine the implementation of the wadi'ah contract on the use of QRIS as a means of payment. The method used was qualitative method with the type of field approach (field research). The data collection techniques used were observation, interview, documentation. The results of this study indicate that QRIS as a means of payment among GenBI Purwokerto is effective that using QRIS is universal, easy, profitable, direct, the factors that influence GenBI Purwokerto using QRIS provide speed, convenience, cheap, safe, and reliable in the transaction process and the implementation of the wadi'ah contract, especially the wadiah yad adh-dhamanah contract occurs between the issuer and the e-money holder, where when carrying out the transaction process the nominal amount paid automatically goes to the e-money holder's account by being entrusted to the issuer.

Enhancing Financial Independence of Micro and Small Enterprises Fostered by BMT Dana Mentari Muhammadiyah in Purwokerto Rukoyah, Siti; Saepudin, Encep
Airlangga Journal of Innovation Management Vol. 6 No. 2 (2025): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v6i2.72447

Baitul Maal wat Tamwil (BMT), as a sharia microfinance institution, plays an important role in enhancing the financial independence of Micro and small enterprises (MSEs). Common problems faced by these business actors include limited access to capital, minimal business assistance, and low understanding of financial management and marketing strategies. This study aims to explore how BMT Dana Mentari Muhammadiyah Purwokerto Karangwangkal strives to increase the financial independence of its members from the MSE sector. This study uses a qualitative descriptive approach (field research) with data collection techniques through interviews, direct observation, and documentation involving BMT administrators and members. The results of the study show that BMT's efforts to increase financial independence are carried out through three main programs: providing sharia-based financing, routine visits (silaturahmi) for business assistance and monitoring, and the "Fostering the Main Family" program which focuses on financial literacy training, digital marketing, and increasing sales. The strategies implemented include providing savings books for financial management, outreach financial services, personal assistance to improve skills, and education on independent financial decision-making. This study concludes that the combination of programs and strategies is effective in supporting members' financial independence. The implications of this study confirm that a sharia-based approach and family strengthening are relevant and sustainable empowerment models for micro-enterprises. From a managerial perspective, BMTs are advised to expand the scope of training and strengthen periodic evaluation of program impact.

PEMBERDAYAAN USAHA MIKRO BINAAN LAZISMU BANYUMAS MELALUI PEMAHAMAN AKAD PEMBIAYAAN SYARIAH encep saepudin
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7029

Micro-enterprises contribute greatly to the economy and regional development. However, the development of its business scale faces a number of problems, including not being managed with modern management, low quality of human resources (HR), and limited ability to manage finances and access to capital. This study aims to determine the level of understanding of micro-businesses assisted by Lazismu Banyumas towards Islamic financial institutions (LKS) and Islamic financing products. His understanding will have an impact on access, management, and his ability to increase the scale of his production so that he can become an independent and muzakki business. This study uses a qualitative method with a case study approach in which 10 respondents were selected based on an agreement with Lazismu Banyumas. The result of the research is that micro-enterprises still need additional capital and assistance to develop their businesses. Their understanding of Islamic financial institutions is minimal so they cannot access Islamic bank products, but some others deliberately refuse Islamic bank financing because they are considered the same as Islamic banks and are afraid of not being able to return it.

Gerakan Filantropi Islam Berbasis Media Sosial dan Implikasinya Terhadap Pemberdayaan Masyarakat di Indonesia M Makhrus; Encep Saepudin
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8911

This article examines the social media-based Islamic philanthropy movement in managing donations in Indonesia. This type of research is a field research through a qualitative-descriptive approach with the research objects being Sedekah Rombongan, Sedekah Bergerak, Laskar Sedekah, Sedekah Kreatif Edukatif, and Kitabisa.com. Data collection techniques were carried out by interview, observation, and documentation. The results of this study indicate that social media-based Islamic philanthropic institutions/ communities creatively optimize websites and social media to collect donations in the form of health, social, and educational service programs. The distribution of donations is mostly for charity activities due to the priority scale for the needs of the poor, then followed up with empowerment programs in the form of providing working capital, training, and business assistance. This Islamic philanthropic movement is able to provide additional understanding, change in behavior, and change attitudes toward the poor to be more productive and empowered. To measure the success of the program, namely by providing two indicators, first, donors donate through the provision of funds, and goods, and are actively involved in program implementation. Second, responding to likes, comments, and shares regarding information shared on social media.

Pengembangan Usaha Mikro Makanan Olahan dengan Pendekatan Pengelolaan Keuangan, Produksi, dan Pemasaran Syariah Saepudin, Encep; Darodjat, Darodjat
Jurnal Hukum Ekonomi Syariah Vol. 8 No. 2 (2025)
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v8i2.28946

Pelaku usaha mikro dan kecil di Banyumas umumnya menekuni bidang kuliner dan makanan, namun kontribusinya terhadap perekonomian daerah belum berdampak besar karena terhambat sejumlah persoalan pada pengelolaan keuangan, produksi, dan pemasaran yang Islami. Tujuan penelitian ini untuk mengetahui hubungan pengelolaan keuangan, proses produksi, dan pemasaran usaha mikro dan kecil produk makanan olahan berdasarkan prinsip syariah terhadap pengembangan usahanya dan bagaimana peluang dan tantangan kemitraan usaha mikro dan kecil usaha mikro dan kecil produk makanan olahan bersama pemerintah dan instansi swasta dalam mengembangkan usahanya. Temuan penelitian ini adalah permasalahan usaha mikro makanan olahan, yaitu keterbatasan modal, belum mencatat pendapatan dan pengeluaran, belum menjaga kualitas dan kuantitas produk, serta masih terbatas pemasarannya. Permasalahan ini menyebabkannya kesulitan mengembangkan usahanya. Peluang kemitraan dengan pemerintah dan badan usaha nasional pun masih terhambat pada belum semua usaha mikro bergabung pada perhimpunan usaha mikro. Hal ini menjadi tantangan sendiri agar semua usaha mikro bergabung pada perhimpunan tersebut sehingga dapat meningkatkan kuantitas dan kualitas produknya dan berkinerja tinggi.

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