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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Istiqro' EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Didaktik : Jurnal Ilmiah PGSD STKIP Subang Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Strategic: Journal of Management Sciences Abdimas Indonesian Journal Jurnal Ekonomi Dan Bisnis Profetika: Jurnal Studi Islam
M. Nasyah Agus Saputra
Institut Agama Isalam (IAI) Qomaruddin Gresik
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PERSEPSI MANAJEMEN KSPPS TERHADAP KEMUNGKINAN PENERAPAN PROFIT EQUALIZATION RESERVE BERSARKAN FATWA DSN-MUI Abdul Muis; M. Nasyah Agus Saputra; Moh. Ya’qub
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v7i1.2078

Abstract

Fluctuations in profit-sharing rates on mudharabah-based term deposit products may result in unstable returns and increase the risk of displaced commercial risk in Islamic financial institutions. One mechanism designed to stabilize profit distribution is the Profit Equalization Reserve (PER), as stipulated in the DSN-MUI Fatwa No. 87/DSN-MUI/XII/2012. However, the implementation of PER in Indonesian Islamic cooperatives remains limited. This study aims to analyze the management's perception of the potential implementation of PER in the term deposit products of KSPPS Mitra Usaha Ideal Sidayu and to examine its compliance with DSN-MUI Fatwa No. 87/DSN-MUI/XII/2012. A qualitative approach with a case study design was employed. Data were collected through semi-structured interviews, observations, and documentation involving cooperative board members, the head of finance, the head of marketing, and relevant staff. Data were analyzed using the interactive model of Miles, Huberman, and Saldaña through data reduction, data display, and conclusion drawing. The findings indicate that KSPPS Mitra Usaha Ideal Sidayu has not implemented PER due to the absence of adequate internal policies, operational procedures, and governance mechanisms. The study further reveals that the principal obstacle to PER implementation is not Sharia compliance but institutional readiness. Nevertheless, management perceives PER as an effective instrument for stabilizing profit-sharing rates, strengthening members' trust, and enhancing the cooperative's competitiveness. Furthermore, members' loyalty is influenced more by service quality and institutional trust than by fluctuations in profit-sharing rates. Therefore, strengthening internal regulations, governance, and operational systems is a fundamental prerequisite for the successful implementation of PER in Islamic cooperatives.
IMPLEMENTASI SISTEM RESELLER PADA TRANSAKSI E-COMMERCE DALAM PERSPEKTIF ETIKA BISNIS ISLAM (Studi Pada Hijab Primair.id Gresik) Dwi Indah Safira; M. Nasyah Agus Saputra; Fatihatus Sahliyah
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 03 (2026): Volume 12 No. 03, September 2026 Published
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i03.18204

Abstract

The rapid growth of e-commerce in Indonesia has encouraged the development of reseller systems in hijab marketing, although implementation is still marked by ethical issues such as unclear seller identity and inconsistent product information. This study examines the mechanism of the reseller system in the e-commerce transactions of Hijab Primair.id and analyzes its conformity with Islamic business ethics. A qualitative case study approach was employed, involving four subjects: one supplier (Hijab Primair.id) and three resellers with different characteristics and business models. Data were collected through observation, semi-structured interviews, documentation, and triangulation, then analyzed using the Miles and Huberman model. The findings show that the reseller partnership operates without a written agreement, with three business model variations: outright purchase with ready stock, small-scale self-managed stock, and pure pre-order without stock, in which resellers bear all stock-related risks. In terms of Islamic business ethics, trustworthiness (amanah) is relatively well maintained across all resellers, while honesty (shiddiq), justice (adl), and freedom from fraud (gharar /ghisy) are applied inconsistently depending on each reseller's experience and business model. Transparency has not been optimally implemented, as reseller status is not explicitly stated on store profiles. Regarding contract (akad), the ready-stock practice conforms to a sale contract (al-bay), whereas the pre-order practice resembles a salam contract but does not yet fully satisfy the requirement of full upfront payment. The study concludes that these inconsistencies stem from the supplier's loose partnership policy, which lacks adequate standards and supervision.
Peran Bank Sampah Terhadap Pemberdayaan Perekonomian Masyarakat dalam Perspektif Ekonomi Islam di Bank Sampah Lingkungan Bersahabat Figo Unggul Abda Alif; Achmad Fahim; M Nasyah Agus Saputra
Surplus: Jurnal Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Juli-Desember 2024
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini ditulis oleh Figo unggul abda alif dari Universitas Qomaruddin Gresik prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis islam guna menyelesaikan tugas akhir Skripsi. penelitian ini bertujuan untuk meninjau dan menjelaskan peran Bank sampah lingkungan bersahabat terhadap pemberdayaan perekonomian masyarakat Desa Balongpanggang, Kecamatan Balongpanggang, Kabupaten Gresik Penelitian ini dilakukan dengan pendekatan kualitatif. Pendekatan ini adalah prosedur di mana peneliti mengumpulkan data deskriptif tentang perilaku dan kata-kata orang. Selain itu, jenis penelitian yang dilakukan adalah penelitian lapangan, yang bertujuan untuk mempelajari secara menyeluruh latar belakang, kondisi saat ini, dan interaksi lingkungan yang terjadi pada suatu kelompok social. Dalam penelitian ini, peneliti langsung terlibat dengan masyarakat setempat di lapangan. Hasil penelitian yang didapat dari beberapa informan nasabah menunjukkan adanya peningkatan pemenuhan kebutuhan pokok, peningkatan pendapatan, peningkatan kemandirian, dan peningkatan amal jariyah serta peningkatan keamanan kebersihan lingkungan setelah bergabung menjadi nasabah bank sampah Lingkungan Bersahabat. Mekanisme pengelolaan bank sampah Lingkugan bersahabat ialah dimana masyarakat mengumpulkan sampah, dan dipungut oleh tim bank sampah kemudian ditimbang dan dicatat kebuku rekening nasabah setelah itu, tim bank sampah memilah sampah tersebut kemudian dijual kepengepil, Peran bank sampah Lingkungan Bersahabat secara materi, yaitu mengelola dan memilah sampah untuk dijadikan sebuah barang yang bernilai ekonomis, sehingga mampu meningkatkan perekonomian nasabahnya. Dalam islam juga mengajarkan kepada kita untuk selalu menjaga kebersihan, dengan terbentuknya bank sampah ini kebersihan itu mulai terpenuhi
Co-Authors Abdul Muis Achmad Fahim Diah Fithrah Hafiliyah Dwi Afrianti Dwi Indah Safira Fatihatus Sahliyah Figo Unggul Abda Alif Fri Haendid Alfiyan Imamul Arifin KH. Muhammad Alauddin Kurnia Cahya Lestari Lailatul Fitriyah M. Syamsir Alamsyah Harahap Mahmoud Saleh Mubarak Bin Humaid Martha Hermina Zaytun Maya Panorama Meriyati Meriyati Moh. Ya’qub Mubarikhatun Nuriyah Narissa Febrianty Nasution, Zubaidah Nata Zahroh Niswatun Hasanah Sarah Lutfiyah Nugraha Siti Khurriyatur Rosmiyah Tri Ardiyanto Aska