Article Per Year (5 Year)
p-Index From 2020 - 2025
2.049
P-Index
This Author published in this journals
All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam El Dinar Jurnal Ilmiah Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal QIEMA (Qomaruddin Islamic Economics Magazine) El-Qist : Journal of Islamic Economics and Business (JIEB) ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ekonomi dan Bisnis Islam (JEBI) Al Fiddhoh: Journal of Banking, Insurance, and Finance Maliki Islamic Economics Journal Ecobankers : Journal of Economy and Banking
Muhammad Yazid
Fakultas Ekonomi Dan Bisnis Islam, UIN Sunan Ampel Surabaya
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Published : 14 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 14 Documents
Search

 1   2 
Pengelolaan Dana Zakat Kontemporer: Mengentas Kemiskinan dan Solusi Meningkatkan Perekonomian Bangsa Muhammad Yazid
Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Vol 23 No 2 (2020): Al-Qanun, Vol. 23, No. 2, Desember 2020
Publisher : Fakultas Syariah dan Hukum UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/alqanun.2020.23.2.363-381

Abstract

This research was conducted with the aim to find out the management of zakat in poverty alleviation and to find a model of contemporary zakat management in solutions to improve the nation's economy. The research method used is descriptive qualitative. The results of the study show that the management of zakat can alleviate poverty through the East Java Prosperous Program in the form of productive zakat funds in the form of venture capital assistance, skills training, and provision of business tools. Productive zakat funds are not funds for consumption mustahiq, but to be used mustahiq in business and improve their quality so that the productive zakat funds are not only used up once, but can support the life of mustahiq in the future until he turns into muzakki. The management of zakat in a contemporary perspective in this study is intended that Baznas can work together with sharia cooperatives which together become amil zakat. This model of cooperation in managing zakat can certainly benefit various parties, especially for Baznas, sharia cooperatives, and micro-entrepreneurs.
OPERASIONALISASI PRODUK TABUNGAN MUDHARABAH DAN APLIKASINYA DI BRI SYARIAH CABANG SURABAYA DALAM PERSPEKTIF HUKUM ISLAM Muhammad Yazid
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist:
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2012.2.1.164-184

Abstract

This paper is the result of field research on the operationalization of mudharabah savings product and the reasons for its application in Bank Rakyat Indonesia (BRI) Sharia branch of Surabaya. This study aims to answer questions about the operationalization of mudharabah savings product at BRI Sharia branch of Surabaya and the reasons for the application of the savings product in the bank, as well as how the Islamic legal review of the the operationalization of mudharabah savings product at BRI Sharia branch of Surabaya and the reasons for its application. In this study, the method used is verificative descriptive which illustrates the operationalization of savings product and the reasons for its application in the Surabaya branch of BRI Sharia and then performed an assessment of that operationalization. From the results of the study can be obtained that the operationalization of savings product at BRI Sharia Surabaya branch of has implemented the principle of omudharabah. Furthermore, in the view of Islamic law, the operationalization was pursuant to the principles of mudharabah as determined by it. The implementation of mudharabah principle in the BRI Sharia on the grounds that with the application of it, people are more interested in the profit-sharing, where the bank and the customer do not feel disadvantaged (gains and losses are shared), because from the beginning of the contract, the profit sharing ratio is determined, so it will create distributive justice. Furthermore, the application of these savings product is charged with tax and zakat on the results obtained from the savings. With the operation of mudharabah savings at BRI Sharia branch of Surabaya, Muslims are expected to participate and be proactive in supporting and assist the development of this product. It means that Indonesian Muslims have been trying to avoid usury in their muamalah activities and more than that the bank are expected to develop and improve its products, especially funding product, so it can compete with the funding products of conventional banks, then the Islamic banks may be qualified.
IMPLEMENTASI KEBIJAKAN FATWA DSN-MUI NO. 43/DSN-MUI/VIII/2004 TENTANG TA’WIDH BAGI NASABAH WANPRESTASI: Studi Kasus PT. Bank BNI Syariah Surabaya Abdullah Faqihuddin; Muhammad Yazid
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 1 (2017): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2017.7.1.1408-1430

Abstract

Penelitian yang berjudul Implementasi Kebijakan Fatwa DSN MUI No.43/DSN-MUI/VIII/2004 Tentang Ta’widh Bagi Nasabah Wanprestasi adalah penelitian lapangan. Penelitian ini ingin menjawab pelaksanaan ta’widh pada fatwa DSN MUI No.43/DSN-MUI/VIII/2004 di Bank BNI Syariah Surabaya dan implementasi ta’widh bagi nasabah wanprestasi pada Bank BNI Syariah Surabaya. Penelitian ini menggunakan pendekatan kualitatif, subjek penelitian ini adalah pimpinan dan karyawan Bank BNI Syariah Surabaya Jl. Bukit Darmo Boulevard No. 8A – 8B Surabaya. Dalam penelitian ini, peneliti menggunakan teknik analisis data deskriptif kualitatif, yaitu suatu analisis yang bersifat mendeskripsikan makna data atau fenomena yang dapat ditangkap oleh peneliti, dengan menunjukkan bukti-buktinya. Baik data hasil wawancara, observasi maupun dokumentasi, selama mengadakan penelitian di Bank BNI Syariah Surabaya. Hasil penelitian menunjukkan bahwa pelaksanaan ta’widh pada fatwa DSN MUI No.43/DSN-MUI/VIII/2004 di Bank BNI Syariah Surabaya sudah sesuai dengan ketentuan fatwa DSN MUI No.43/DSN-MUI/VIII/2004. Sedangkan implementasi ta’widh bagi nasabah wanprestasi pada Bank BNI Syariah Surabaya dalam kasus yang ada yaitu Bank BNI Syariah dalam menyelesaikan pembiayaan BNI Griya iB Hasanah bermasalah dengan cara kebijakan menerapkan rescheduling. Karena dengan penerapan kebijakan ini pihak nasabah dapat menyelesaikan pembiayaan BNI iB Griya bermasalah dengan baik, tanpa ada pihak yang merasa dirugikan. Di dalam kasus ini, sebenarnya ganti rugi (ta’widh) yang seharusnya dikenakan sudah dilakukan dan dihitung kerugiannya, tetapi melihat dari niat nasabah yang masih mempunyai itikad baik dan juga nasabah dalam keadaan force majeur maka atas kebijakan dari Bank BNI Syariah, ganti rugi tersebut ditiadakan. Sejalan dengan kesimpulan di atas, Bank BNI Syariah Surabaya, diharapkan untuk lebih menganalisis pengajuan pembiayaan, khususnya pembiayaan BNI Griya iB Hasanah harus lebih ketat, selektif, cermat, teliti dan hati-hati dalam menganalisis calon nasabah. Dengan demikian, nasabah atau calon nasabah dapat diketahui layak atau tidak untuk diberikan modal.
Analisis Tantangan Perbankan Syariah Dalam Pengembangan Pembiayaan Alysia Qotrunnada; Muhammad Yazid Yazid
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol 4 No 1 (2022): (Maret 2022)
Publisher : Institut Agama Islam Yasni Bungo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v4i1.427

Abstract

Potensi perbankan syariah sebagai sarana untuk mengatasi masalah ekonomi dan memajukan kesejahteraan sosial telah terungkap, tetapi upaya aktual untuk menerapkan konsep tersebut telah hilang di lautan keinginan sistem ekonomi global yang tak terpuaskan. Pembiayaan yang efektif yang diberikan oleh bank syariah diharapkan dapat meningkatkan kesejahteraan sosial bagi masyarakat secara keseluruhan. Hal ini dapat dilakukan dengan memberikan pembiayaan yang tidak hanya ditujukan kepada perusahaan besar tetapi juga kepada masyarakat luas, yaitu pemilik usaha kecil yang membutuhkan modal awal, atau pembiayaan berorientasi konsumen yang sebenarnya dibutuhkan oleh masyarakat secara keseluruhan, seperti pembiayaan untuk kebutuhan pokok atau pembelian kendaraan pribadi bagi penduduk. Penelitian bertujuan untuk mengkaji mengenai analisis tantangan perbankan syariah dalam pengembangan pembiayaan. Metode penelitian yang digunakan dalam penelitian ini dengan pendekatan kualitatif untuk mengungkap bagaimana perkembangan dana pensiun syariah yang relative tertinggal dengan lembaga keuangan syariah lainnya. Hasil dari penelitian adalah pembiayaan yang diberikan oleh perbankan syariah, termasuk yang diberikan oleh bank umum syariah (BUS) dan unit usaha syariah (UUS), sejauh ini lebih sering disalurkan ke UKM dibandingkan non-UKM. Dan juga pengetahuan masyarakat tentang keuangan syariah sangat rendah, sehingga sangat penting untuk meningkatkan sosialisasi secara komprehensif ke seluruh lapisan masyarakat agar dapat lebih mengenal keuangan syariah dan mencegah masyarakat mudah terbujuk untuk melakukan tindakan yang bertentangan dengan syariah.
EFISIENSI PEMBIAYAAN AGRIBISNIS BANK SYARIAH DI INDONESIA PADA MASA PANDEMI COVID-19 Ika Nazilatur Rosida; Muhammad Yazid; Mustofa Mustofa
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i1.13303

Abstract

The agricultural capital is the main factor in the agribusiness problems.This research employed correlational and descriptive qualitative methods.This research aims to describe the efficiency of the sharia banks inagribusiness financing. Also, it gives the contribution of agribusiness insupporting the economy in Indonesia during covid-19 pandemic. Theresults show that Sharia Bank financing experienced a remarkableincrease during the covid-19 pandemic. Sharia bank financing isconsidered the best choice to deal with fluctuations in the harvest priceand speculation of harvest. The agricultural sector's contribution to theeconomy has always increased during the covid-19 pandemic. 
Analisis Penghimpunan Dana Bank Syariah Melalui Akad Mudharabah Dian Aprissa; Muhammad Yazid
Jurnal Ekonomi dan Bisnis Islam (JEBI) Vol. 2 No. 2 (2022): September
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAMMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jebi.v2i2.1525

Abstract

Akad (ikatan, keputusan atau penguat) atau perjanjian atau kesepakatan atau transaksi dapat diartikan sebagai komitmen yang terbingkai dengan nilai-nilai syariah. Dalam istilah Fiqih, secara umum akad berarti sesuatu yang menjadi tekad seseorang untuk melaksankan, baik yang muncul dari satu pihak, seperti wakaf, talak, dan sumpah maupun yang muncul dari dua pihak, seperti jual beli, sewa, wakalah dan gadai. Secara khusus akad berarti keterkaitan antara ijab (pernyataan penawaran/ pemindahan kepemilikan) dan qabul (pernyataan penerimaan kepemilikan) dalam lingkup yang diisyaratkan dan berpengaruh pada sesuatu. Bank syariah merupakan lembaga intermediasi keuangan yang melakukan pendanaan dengan menerima berbagai jenis simpanan dana dari nasabah berupa giro, tabungan dan deposito atau investasi. Simpanan giro dapat menggunakan akad wadiah yad amanah atau qardh. Simpanan tabungan dapat menggunakan wadiah yad dhamanah, qardh dan mudharabah mutlaqah. Sementara itu, deposito atau investasi dapat menggunakan akad mudharabah mutlaqah atau mudharabah muqayyadah.
ANALISIS AKAD IJARAH DALAM PRAKTIK PRODUK PEMBIAYAAN LEMBAGA KEUANGAN DI INDONESIA Dyah Ayu Sekar Sukmaningrum; Muhammad Yazid
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 3 No. 2 (2022): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v3i2.1421

Abstract

This study aims to explain how Indonesian financial institutions apply ijarah applications to financial products.This study uses a descriptive analysis method to explain the concept of Islamic banks regarding al-Ijarah as a general lease, but the difference with Islamic banks is the lease that the customer can choose at the end of the contract. The results of this study indicate that Islamic banks and financial companies that borrow various financial products consistently exempt them from being prohibited by religious law. This indicates compliance with all applicable regulations, regardless of what is required by law by Government Agencies, DSN-MUI or Ulama Majma`al-Fiqh al-Islami. The results of this study are able to provide an overview to Islamic Financial Institutions both Bank and Non-Bank to always pay attention to the Ijarah services and processes offered to customers to create customer satisfaction.
Dana Pensiun Syariah Jasmine Annisa Putri Cahyono; Muhammad Yazid
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 4 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (920.632 KB) | DOI: 10.47467/alkharaj.v5i4.2000

Abstract

Everyone wants to get benefits in old age in order to feel comfortable when they are not actively working and do not earn an income. In the community itself has developed a form of community savings that is increasingly recognized by employees, namely the pension fund. This pension fund program is intended to provide welfare to employees of a company, especially employees who reach retirement age according to the agreement. In this case, pensions can only be given if the employee has entered retirement age or for other reasons so that they obtain the right to receive pension benefits. These policies and programs are expected to be sufficient to encourage balanced growth in terms of supply and demand and strengthen capital, management and human resources (HR) for Sharia Pension Funds. Pension Fund management can be carried out by employers (DPPK) and financial institutions (DPLK). The company has several alternatives. This alternative is adapted to the company's goals without eliminating the rights of its employees. This is very important considering that people still have basic needs that must be met after retirement. With these reserves, when someone enters a less productive period, they still have a source of income.
PENERAPAN AKAD MUDHARABAH PADA TRANSAKSI PENYIMPANAN DANA NASABAH DI BANK SYARIAH Ahmad Warid Asy’ari dan Muhammad Yazid
Jurnal Qiema (Qomaruddin Islamic Economics Magazine) Vol. 9 No. 1 (2023): Februari
Publisher : LPPM Institut Agama Islam Qomaruddin Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/qiema.v9i1.4010

Abstract

ABSTRACT Islamic banks are financial institutions that use a profit-sharing system in their business activities. Many people believe that mudharabah deposits in Islamic banks are the same as deposits in ordinary banks, however, mudharabah deposits have their own characteristics, one of which is the adoption of a profit-sharing system in managing customer deposits. Mudharabah is a financing transaction based on sharia, which is used as an Islamic banking financing transaction, which is carried out by the parties based on trust. Trust is the most important element in a mudharabah financing transaction, the trust in question is the trust of the shahib Al-mal to the mudharib, trust is the most important element, because in a mudharabah transaction, the shahib Al-mal may not ask for collateral or collateral from the mudharib and may not interfere in the transaction. in project management, shahibul al-mal may only give certain suggestions to mudharib. In this study, the researcher used a normative approach with a law approach and a conceptual approach. The result of this study is the discovery of mud contract features in customer deposits at Islamic banks, which can be seen from 6 things, namely investment deposits, subjects or parties who are legal entities, sharing commercial results, sharing commercial risks, insuring and withdrawing customer funds. Keywords : Depositing Customer Funds, Mudharabah, Islamic Bank ABSTRAK Bank syariah adalah lembaga keuangan yang menggunakan sistem bagi hasil dalam kegiatan usahanya. Banyak kalangan masyarakat yang meyakini bahwa simpanan mudharabah di bank syariah sama dengan simpanan pada bank biasa, meskipun demikian simpanan mudharabah memiliki karakteristik tersendiri, salah satunya adalah adopsi sistem bagi hasil dalam pengelolaan simpanan nasabah. Mudharabah adalah suatu transaksi pembiayaan berdasarkan syariah, yang digunakan sebagai transaksi pembiayaan perbankan islam, yang dilakukan oleh para pihak berdasarkan kepercayaan. Kepercayaan merupakan unsur terpenting dalam transaksi pembiayaan mudharabah, kepercayaan yang dimaksud adalah kepercayaan dari shahib Al-mal kepada mudharib, kepercayaan merupakan unsur terpenting, karena dalam transaksi mudharabah, shahib Al-mal tidak boleh meminta jaminan atau agunan dari mudharib dan tidak boleh ikut campur di dalam pengelolaan proyek, shahibul al-mal hanya boleh memberikan saran-saran tertentu kepada mudharib. Dalam penelitian ini, peneliti menggunakan pendekatan normatif dengan pendekatan undang-undang dan pendekatan konseptual. Hasil dari penelitian ini adalah ditemukannya fitur akad mudharabah pada simpanan nasabah di bank syariah, yang dapat dilihat dari 6 hal yaitu simpanan investasi, subjek atau pihak yang berbadan hukum, membagikan hasil komersial, berbagi risiko komersial, mengasuransikan dan menarik dana nasabah. Kata Kunci : Penyimpanan Dana Nasabah, Mudharabah, Bank Syariah
Sustainability of Islamic Economics in The Political Domain in Mojokerto Aji Prasetyo; Muhammad Yazid; Yulia Kurnia Firdausia
Maliki Islamic Economics Journal Vol 1, No 1 (2021): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (165.148 KB) | DOI: 10.18860/miec.v1i1.12541

Abstract

Economy and politics influence each other. A changing political map will affect policy to economic conditions and vice versa. Likewise with Islamic economics, its development was influenced by political power during the emergence of Islamic economics until today. Islamic political economy has a positive value for Indonesia in an effort to accelerate the empowerment of small and medium enterprises as an element of economic growth. One of the areas for Islamic economic instruments to become part of national policy is regulation. Through research with qualitative methods and a literature study approach, the researcher wants to analyze the regulations on the Islamic economy in Mojokerto district which has many micro, small and medium enterprises. Researchers conducted this research with the aim of analyzing the sustainability of Islamic economic values to all components of government apparatus and business actors in Mojokerto Regency and at the same time offering regulations to the Mojokerto Regency government which focuses on efforts to increase the size of the Islamic economic industry in institutional expansion. This study provides the results, first, Islamic economic values have not been sustainable in the political economy of Mojokerto Regency. Second, the sustainability of the Islamic economy in Mojokerto Regency can be realized in the political economy of government through policies or regulations that improve the Islamic financial industry by synergizing it with the community to empower MSMEs.
Co-Authors Abdullah Faqihuddin Agustin Mila Arlina Ahmad Agus Hidayat Aji Prasetyo, Aji Alifatul Mujahadah Alysia Qotrunnada Dian Aprissa Dyah Ayu Sekar Sukmaningrum Ika Nazilatur Rosida Jasmine Annisa Putri Cahyono Masadah Mustofa Mustofa Nada El Nadia Nurul Fatma Hasan Pratikto, Muhammad Iqbal Surya Satria Yudha Bimantara Yulia Kurnia Firdausia