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All Journal At-Taradhi: Jurnal Studi Ekonomi Islamic Ecomonics Journal MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Falah : Jurnal Ekonomi Syariah Al Tijarah Khadimul Ummah Journal of Social Dedication Martabe : Jurnal Pengabdian Kepada Masyarakat JESI (Jurnal Ekonomi Syariah Indonesia) El-Barka: Journal of Islamic Economics and Business Dialektika: Jurnal Ekonomi dan Ilmu Sosial Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Journal of Islamic Economics and Finance Studies Journal of Islamic Economics and Philanthropy El-kahfi : Journal of Islamic economics Journal of Islamic Economics TATHWIR: Jurnal Pengembangan Masyarakat Islam Cakrawala: Jurnal Studi Islam Journal of International Conference Proceedings JEBI (Jurnal Ekonomi dan Bisnis Islam) Indonesian Journal of Islamic Economics and Finance Muslim Heritage e-Jurnal Apresiasi Ekonomi Proceedings of Femfest International Conference on Economics, Management, and Business Journal of Economics, Law, and Humanities Jurnal Hukum Islam Journal of Finance and Islamic Banking Proceedings of Femfest International Conference on Economics, Management, and Business BISMA: Bimbingan Swadaya Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah

Mufti Afif

Universitas Darussalam Gontor

Author-ID : 2688100

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Jual Beli Model âInah di Lembaga Keuangan Syariah: Tinjauan Konsep, Hukum dan Implementasi Mulyawisdawati, Richa Angkita; Afif, Mufti
FALAH: Jurnal Ekonomi Syariah Vol 3, No 1 (2018)
Publisher : Universitas Muhammadiyah Malang

The sale and purchase of inah and tawarruq is a classic problem that is recognized or not continues to grow and be practiced by individuals and financial institutions to date. Based on the facts on the ground, this type of engineering of sale and purchase occurs in Islamic Financial Institutions (LKS), where Islamic Financial Institutions only serve and serve financial services for its customers who need funds. So much is found that most LKS activities lead to financing through murabahah scheme where the scheme of the contract is considered safe for the LKS because the level of risk is lower than other types of contract. This paper is intended to determine the nature of the concept and legal sale and purchase inah and tawarruq according to scholars fiqh classics and how the practices of these two transactions became an issue on financial transactions in LKS. By using descriptive qualitative method, literature approach and history, it is produced that the type of sale of Inah and Tawarruq is still debated by the jurists of fiqh jurisprudence and the tendency is forbidden because there is a rift of ribawi transaction in it. While in practice in LKS is still widely applied and growing especially in superior products (murabahah) as in financing business capital, credit card, home financing or home renovation or the like and gold-based financing.

Analysis of Amil Zakat Institution Performance Using the Balanced Scorecard Method (Case study in BAZNAS Sragen) Khadijah, Siti; Afif, Mufti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018)
Publisher : Institut Agama Islam Bengkulu

The zakat funds collection, infaq and shadaqah movement in Sragen Regency was formally implemented by the Zakat Infaq and Shadaqah Agency (BAZIS) which was established on May 27, 1991. By the issuance of Law No. 38 of 1999 concerning Â Management of Â Zakat, it was changed to the National Zakat Agency ( BAZNAS). Amil Zakat Agency (BAZ) Sragen has a number of special programs in introducing zakat to the community. Finally they wereÂ able to collect zakat funds of around Rp. 250 million per month. The zakat funds which are collected at the Sragen BAZ mostly come from civil servants, the TNI and the National Police. However, this program has not been optimal yet, zakat funds absorbed only around Rp. 2 billion per year from the potential of Rp. 7 billion. Therefore, performance measurement Â is one of the important factors in companies and institutions to evaluate work results from the past period.This research uses the Balance Scorecard paradigm / perspective, namely measurement using four perspectives; Finance, Customers, Internal Business, Learning and Growth. The method used is descriptive explorative qualitative method. Data was collected by interview, questionnaire and documentation.The results showed that the performance of BAZNAS of Sragen Regency was "Good". The results of the average score of the performance appraisal of BAZNAS in Sragen Regency were 6: 8 = 0.75 which is "Good".

Jual Beli Model ‘Inah di Lembaga Keuangan Syariah: Tinjauan Konsep, Hukum dan Implementasi Richa Angkita Mulyawisdawati; Mufti Afif
Falah: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2018)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v3i1.5835

The sale and purchase of 'inah and tawarruq is a classic problem that is recognized or not continues to grow and be practiced by individuals and financial institutions to date. Based on the facts on the ground, this type of engineering of sale and purchase occurs in Islamic Financial Institutions (LKS), where Islamic Financial Institutions only serve and serve financial services for its customers who need funds. So much is found that most LKS activities lead to financing through murabahah scheme where the scheme of the contract is considered safe for the LKS because the level of risk is lower than other types of contract. This paper is intended to determine the nature of the concept and legal sale and purchase 'inah and tawarruq according to scholars fiqh classics and how the practices of these two transactions became an issue on financial transactions in LKS. By using descriptive qualitative method, literature approach and history, it is produced that the type of sale of 'Inah and Tawarruq is still debated by the jurists of fiqh jurisprudence and the tendency is forbidden because there is a rift of ribawi transaction in it. While in practice in LKS is still widely applied and growing especially in superior products (murabahah) as in financing business capital, credit card, home financing or home renovation or the like and gold-based financing.

Corporate Social Responsibility Dalam Perpektif Islam Mufti Afif
Islamic Economics Journal Vol 3, No 2 (2017)
Publisher : University of Darussalam Gontor

This research is comparison study between convetional concept of CSR and Islamic concept. These two concepts, they are fundamental distinction, such in philosophy aspect and objective aspects. Conventional CSR generally on solving problem of poverty in addition to obtain the level of profit such as the trust of society. Whereas CSR responsibilities related to Islam between individual and social responsibilities of humanity. On basic of philosophy of CSR aspects of Islam in Quran and Sunnah, which deliver on the concept of relationship between institution and society or environment. This means the bond is stronger than conventional concept of CSR, which are only binding based on public confidence at Islamic Institution teaches that worship is not limited on the worship of mahdhah (hablumminallah), but other worship mahdhah also so due to considerations related to social worship (hablumminannas); This cue contained in God’s Word QS. Al-Ma’un verses 1-7. Islam has the principle of accountability which is balanced in all shapes and spaces in scope. Between body and soul, between individuals and between individuals and the family, social and, between a community with other societys and finally CSR Islam far has nailai maslahah compared to conventional CSR.

Efektifitas Distribusi Dana Zakat Produktif dan Kekuatan Serta Kelemahannya Pada BAZNAS Magelang Mufti Afif; Sapta Oktiadi
Islamic Economics Journal Vol 4, No 2 (2018)
Publisher : University of Darussalam Gontor

Zakat is one of the pillars of Islam that is obligatory for Muslims and distributed to other Muslims who need it. Zakat has short and long term goals. Short-term goals are channeled to consumptive needs, namely basic household, educational and health needs. While the long-term goal, the distribution of zakat is carried out in forms of capital that can be used for economic improvement and improvement. BAZNAS Magelang has a vision and mission in distributing zakat funds to the productive zakat program. The vision and mission of BAZNAS Magelang in its distribution is to be able to change the mustahik class into muzakki. This study aims to determine the optimality of productive zakat by BAZNAS Magelang, as well as it’s strengths and weaknesses. The type of this research is descriptive qualitative, and data produced (observation), interviews (interviews) and documentation (documentaries). And to test the validity of the data in the field, researchers used triangulation techniques. The results of field studies show that the average productive zakat by BAZNAS Magelang on average has not been able to spend a large portion of their wealth to commit tithe. BAZNAS Magelang is distributed only by providing assistance to meet daily needs. BAZNAS Magelang has not exercised control, guidance, and guidance for mustahik who have received productive zakat assistance, but BAZNAS Magelang has not been able to issue assistance in the distribution of it's productive zakat assets."

Analisis Strategi Penghimpunan Dana Zakat, Infak, dan Sedekah (Studi kasus di LAZ Ummat Sejahtera Ponorogo) Royyan Ramdhani Djayusman; Mufti Afif; Andi Triyawan; Faizal Abduh
Islamic Economics Journal Vol 3, No 1 (2017)
Publisher : University of Darussalam Gontor

One of the Zakat Institution in Ponorogo is LAZ Ummat Sejahtera Ponorogo, which has a muzakki 1.500 people in Ramadan, but except that month, it has 350-400 people of muzakki. The Aim of this research is to identify the preferences and factors influencing the Muslims of Ponorogo in paying Zakat infaq,shodaqoh and to identify the strategy of accumulating zakat infak shodaqoh at LAZ Ummat Sejahtera Ponorogo. The method that used in this research is mixed method or trianggulation method. Also Quantitative research methods used to determine the preferences and factors that influence the interest of Muslims Ponorogo in paying ZIS. While the qualitative method used to analyze the strategy that has been done by LAZ Ummat Sejahtera in order to collect ZIS funds. Data collection in quantitative research through the spreading of questionnaires to 250 Moslem Ponorogo using non probability sampling method with purposive sampling technique. After that, the data were analyzed by factor analysis method. While collecting qualitative research data obtained through interviews with LAZ Ummat Sejahtera, observation, and documentation related to LAZ Ummat Sejahtera. After that, analyzed by SWOT analysis technique (strengths, weaknesses, opportunities, and threats). The results of the research is factor analysis show that four factors influencing interest of Muslim Ponorogo for paying ZIS are factor of faith, factor of Intitution service, factor of religion knowledge, and factor of worship. Second, from the SWOT analysis get 24 strategies funding according to the behavior of Muslims at Ponorogo in paying ZIS.

Peran Strategi Self Management Team dalam Organisasi Mufti Afif
Islamic Economics Journal Vol 1, No 2 (2015)
Publisher : University of Darussalam Gontor

Self- management strategy team became a popular part in management science where this strategy while able to provide education for every individual of the team work but also able to solve the problems in an effective and efficient organization. This strategy take in five skills owned by each individual, which is capable of solving problems, capable of taking decisions, utilizing the resources available, seek and provide information, interact with people (or groups), and act on the beneficial aspects. For a leader, this strategy will form the typical attitude that is; Relating, scouting, persuading and empowering. Nevertheless this strategy cannot be implemented in all the company’s organization, except for those which already familiar with the culture of decisionmaking by employees.

Analisis Pengaruh Karakteristik Mauqūf ‘alaihi Terhadap Kelancaran Pelunasan Al-qardhu Al-hasan (Studi Kasus Program Protab di BWUT-MUI Provinsi DIY) Mufti afif
Islamic Economics Journal Vol 1, No 1 (2012)
Publisher : University of Darussalam Gontor

Berita Resmi Statistik No. 45/07/Th. XV, 2 Juli 2012 menyebutkan; tinggi rendahnya tingkat kemiskinan yang terjadi di Indonesia salah satunya tergantung pada pendapatan yang diterima oleh masyarakat, pengeluaran terhadap pendidikan serta kebijakan pemerintah dalam menurunkan tingkat pengangguran. Adapun upaya pemerintah dalam meningkatkan pendapatan kaum miskin tersebut diberlakukan sebuah program pinjaman modal dan dana bantuan sosial.Badan Wakaf Uang Tunai (BWU-T) MUI DIY sebagai lembaga sosial kemasyarakatan, mencoba mendukung program pemerintah Indonesia dengan memberikan bantuan modal pada kaum miskin dengan membebaskan biaya-biaya yang memberatkan seperti jaminan dan agunan. Program BWU-T yang dinamakan PROTAB (Pinjaman Produktif Tanpa Agunan dan Biaya) itu tidak sekedar memberikan pinjaman dana saja, tapi juga memperhatikan mauquf alaihi (nasabahnya) berupa pendampingan dalam berwira usaha serta membina pengembangan usaha sebagai upaya pengawasan.Penelitian ini ditujukan untuk mengetahui faktor-faktor apakah yang mempengaruhi kelancaran mauquf alaihi dalam melunasi angsuran pinjaman di BWU-T. Adapun variabel-variabel yang diduga mempengaruhi kelancaran pembayaran pinjaman adalah karakteristik mauquf alaihi yang di dasarkan pada 3C (character, capasity dan condition), dan pengolahan data dilakukan dengan metode analisis regresi logistik.

Pemberdayaan Ekonomi Berbasis Masjid dan Manajemen Ketakmiran pada Masjid An Nur dan FORSIMAL, Dadung, Mantingan Mufti Afif; Andi Triyawan; Royyan Ramdhani Djayusman
Islamic Economics Journal Vol 3, No 1 (2017)
Publisher : University of Darussalam Gontor

The purpose of outreach activities with the title of “ The Administrators Empowerment An Nur Dadung Mosque in the administrator’s management is to help the mosque administrators as the responsible to manage all activities and routines which connected for ummah on the religious, education and economics”. The second purpose, is to improve the scientific religion administrators An Nur Dadung mosque. To achieve the purpose of outreach has been implemented by a lecturer team faculty of economic and management, University of Darussalam Gontor, the outreach activities is conducted in the form of management training, discussion, and administrators supervision activities. From the outreach activities carried out by An Nur Dadung mosque, Mantingan, Ponorogo it can be concluded that an increase in the participation of society on activities conducted by An Nur mosque administrators. The existence of thought between a members of An Nur mosque administrators in fostering the community of this mosque. There’s no mosque administrators thought an old fashioned (jumud) and blamed another communities in terms of believed (madzhab).The next holding the investigation in Sunday morning between mosque each monthly with a doorprize from muhsinin and breakfast together.

Co-Authors Abdullah Sahroni Abdullah Yuqdha Adhauddin Addin, Musyaffa Ahmad Agus Hidayat Ahmad Suminto Ahmad Suminto Ahmad Suminto Andi Triyawan Andriani Samsuri Anggesti, Nurul Arie Rachmat Soenjoto Arizqiya Nurfattah Armina, Sheema Haseena Asifah Itsna Rosidah Aulia Fathan Mubin Azzahra, Miftah Emuzd Mudzahir Fahmi Akhyar Al Farabi Faizal Abduh Fajri, Mohammad Zen Nasrudin Fatturroyhan Fatturroyhan Fatturroyhan, Fatturroyhan Hartomi Maulana Husni, Indra Sholeh Imam Kamaluddin Isna Arifa Khoirul Umam Khoirunnisa, Farah Khurun’in Zahro’ Lathiefa Rusli Lisda Aisyah M. Kurnia Rahman Abadi Malik Ibrahim Meichio Lesmana Miftahul Huda Miftahul Huda Miftahul Huda Muhammad Agus Setiawan MUHAMMAD AGUS SETIAWAN MUSYAFFAK KHOLIL Mutmainnah Mutmainnah Muzaki, Rofi Nur Hidayah Al Amin Nur Suriana Awaludin Nurfattah, Arizqiya Nurus Shefrilianti Hidayatullah Prastyaningsih, Ika Rachmat, Arie Richa Angkita Richa Angkita Mulyawisdawati Richa Angkita Mulyawisdawati Richa Angkita Mulyawisdawati, Richa Angkita Royyan Ramdhani Djayusman Sapta Oktiadi Sa’id, Roudhoh Hannaaris Siti Khadijah Suminto, Ahmad Sunjoto, Arie Rachmat Susilo, Adib Susilo, Adib . Syahruddin Syahrudin Syahrudin, Syahrudin Taufiqul Alvin Abidin Tianti Mudi Awalia, Fadhila Veithzal Rivai Zainal Zaharani, Amelia Putri Arizka Zuhria Febriana Putri

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