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Manajemen Wakaf Berbasis Teknologi Blokchain Dalam Meningkatkan Produktifitas Nadzir dan Kebijakan Sustainable Development Goals Ermi Suryani; Azizah Mursyidah
Reslaj : Religion Education Social Laa Roiba Journal Vol 2 No 1 (2020): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

This study aims to examine the management of waqf-based blokchain technology in increasing nadzir productivity and sustainable development goals policies. The method used is a qualitative analytical method with content analysis and data sources is a fact that occurs in waqf management based on blockchain technology taken through observation, interviews and literature review. The results of the study found that the management of Waqf by using blockchain technology was able to increase the income of waqf funds because it guaranteed the transparency between waqf and nadzir. This year the Indonesian Waqf Agency is in the process of blockchain technical towards increasing productivity this year and going forward. Obstacles BWI applies blockchain technology in Indonesia due to the lack of waqf human resources with expertise in technology. In realizing blockchain technology in its data institutions, the results of the National Coordination Board of Indonesia Waqf Board results were delivered by the Deputy Chairman of BWI, Imam Teguh Saptono. First, improve waqf literacy through various innovative programs. Like waqf to campus / school programs, including waqf material in the religious education curriculum and sermon themes. Second, building a national waqf information system that is integrated and easily accessible to the public. Third, utilizing information technology and financial market developments such as fintech, crowdfund, blockchain in collecting waqf. The fourth recommendation is the acceleration of the certification of waqf assets in the context of protecting national waqf assets. Fifth, increase professionalism and nadzir capacity through nadzir certification programs. Sixth, revitalizing the role of BWI as a national waqf nadzir institution. The seventh recommendation of the results of the National Coordination Meeting for Endowments in Indonesia, encouraging the acceleration of the revision of Law Number 41 of 2004 concerning endowments, and structuring or making BWI regulations as needed. Eighth, arrange BWI public service standards and improve the quality of BWI's human resources towards maximum public services. The ninth recommendation is to increase the synergy between BWI and the Ministry of Religion in advancing national representation. Tenth, improve coordination and synergy with law enforcement and waqf stakeholders in the context of protecting waqf assets. The eleventh recommendation is to carry out a memorandum of agreement between BWI representatives of districts, cities, provinces and BPN, districts, cities, provinces. The last recommendation is to appeal to individual nadzir to convert to nadzir legal entities. Productive waqf management using blockchain can improve the efficiency and effectiveness of waqf management from two sides. First, if waqf and Nazhir are connected to a blockchain system, then the donation transaction can be done with a high level of transparency. Secondly, if blockchain based waqf can reach global waqf waqf, then it is very possible for waqf from one country to represent in another country, especially a country that needs development funding. Keywords: Management of Waqf, Blockchain, Nadzir, SDG

Tingkat Perceraian Muslim dan Non muslim Di Indonesia Ermi Suryani
Mizan: Journal of Islamic Law Vol 3, No 2 (2015): Mizan
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/mizan.v3i2.162

Abstract: The divorce rate in the Religious caused sakralitas marriage in Islam is relatively loose rules, so divorce is prone to happen. it is evident, the high divorce rate in the Religious, although its survival is limited, but still very interested in solving the problems of marriage. This is in contrast with the divorce rate in the non-Muslim communities. Therefore, this study tried to find answers to the problems that occur.Keywords: Divorce, Domestic, MarriageAbstrak: Meningkatnya angka perceraian di Pengadilan Agama disebabkan karena sakralitas perkawinan dalam aturan Islam relatif longgar, sehingga perceraian rentan terjadi. Hal ini dibuktikan tingginya angka perceraian di Pengadilan Agama, walaupun dibatasi keberlangsungannya, tetapi masih sangat diminati dalam menyelesaikan problematika perkawinan. Hal ini berbeda dengan tingkat perceraian dalam lingkungan masyarakat non muslim. Karenanya, penelitian ini mencoba mencari jawaban atas problematika yang terjadi.Kata Kunci: Perceraian, Rumah Tangga, Perkawinan

Zakat Infak Sodaqoh sebagai Instrumen Pertumbuhan Ekonomi di Indonesia Ermi Suryani
As-Syar'i: Jurnal Bimbingan & Konseling Keluarga Vol 2 No 1 (2020): As-Syar'i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Fakultas Syariah IAIN Laa Roiba Bogor

ABSTRACT This study aims to explore the potential of zakat, infaq, shodaqoh as a support for economic growth in Indonesia. The method used is a qualitative method through the study of literature and critical analysis. ZIS was able to increase economic growth in Indonesia year after year. The higher the level of Muslim awareness of paying zakat the greater the opportunity for Indonesia's economic growth. The infaq and alms are two things attached to zakat because it is not regulated in regulation in Indonesia. The existence of infaq and alms has a great opportunity to be managed productively so that the strategy in managing ZIS is something that must be analyzed thoroughly. The goal is that ZIS funds collected from muzakki can be utilized to improve the welfare of the community, especially Muslims in Indonesia. ZIS is not obliged to tackle poverty in Indonesia, but is able to reduce the government's burden on the welfare of the people. Amil is required to be creative in managing ZIS so that the criteria for amil need to be socialized and determined. Among them: first, qualified knowledge theoretically / practically in ZIS. Second, high social value and fond of entrepreneurship. Third, honest from small things to big things. Fourth, close to the community / easy to get along with all groups and always simple. Fifth, have many links with BAZNAS / BAZDA and LAZNAS. Keywords: amil, economy, Indonesia, infaq, shodaqoh, zakat,

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI AKSESIBILITAS UMKM TERHADAP PRODUK PEMBIAYAAN DI BANK UMUM SYARIAH (Studi Pada Kecamatan Pamijahan Kabupaten Bogor, Jawa Barat) Anita; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT In Indonesia, Micro, Small and Medium Enterprises (MSMEs) have an important role as the backbone of the Indonesian economy. In developing their business, SMEs are faced with several problems. Among them are low human resources, limited facilities and infrastructure, technology, the main factors that hinder the development of MSMEs are the lack of capital and limited access to finance. The MSME development process automatically requires a lot of funding, so many MSMEs finance through bank loans. This study aims to analyze the factors of education level, business experience, business turnover, compliance with paying income tax, total assets and type of business to affect the accessibility of MSMEs to financing products in Islamic banks. This type of research is quantitative research, taking a sample of 150 respondents using the Tabachic & Fidell technique, the sampling technique using simple random sampling technique. Methods of data analysis using multiple linear regression. The results of the t test showed that each independent variable, namely education level, business experience, had no positive and significant effect. Meanwhile, business turnover, compliance with paying income tax, total assets and type of business partially have a positive and significant effect. The results of the F test indicate that there is a positive influence simultaneously between the variables of education level, business experience, business turnover, compliance with paying income tax, total assets and type of business on accessibility.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MASYARAKAT MENGAJUKAN PEMBIAYAAN KPR DI BTN SYARIAH (Studi Pada Kasus di Kecamatan Pamijahan Kabupaten Bogor, Jawa Barat) Hesti Safitri; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract Owning a home is a basic human need that must be met. This is where Islamic banks provide. As a result, Islamic banks provide a variety of housing finance (KPR) in accordance with Islamic principles, which can be selected according to the needs of the community. By offering different prices, strategic housing with industrial and economic centers as well as promotional activities can attract public interest in sharia financing through the sharia banking system. the research aims to find out whether the product, price, location, promotion, religious belief, knowledge, administrative costs, service quality, and economic capacity are positive for the benefit of the community applying for Islamic mortgage financing. This type of research is quantitative research conducted using data collection methods using raw data obtained through a questionnaire survey. The sample size is 100. The hypothesis testing method is multiple linear regression, t-test, f-test, and the coefficient of determination (adjusted R-squared). The results showed that product tcount was 2.506 > t table 1.98447, sig value was 0.014 <0.05, price tcount was 3.119 > t table 1.98447, sig value was 0.002 <0.05, and promotion had a tcount value 2.167 > t table 1.98447, sig value 0.033 <0.05, tcount service quality 2.012 > ttable 1.98447, sig value 0.047 <0.05, tcount economic capacity 3.69 > ttable 1.98447, t sig value is 0.000 <0, 05, so it can be concluded that the variables of product, price, promotion, service quality and economic capacity will affect people's interest in applying for Sharia KPR. Locality, religion, knowledge and administrative costs do not affect people's interest in applying for sharia mortgage funds. The variables of product, price, location, promotion, religious belief, knowledge, administrative costs, quality of service, and economic capacity all influence societal interests at the same time. The sig value of Fcount>Ftable (23.318>2.04) is 0.000 <0.05. Adjusted R-squared value = 0.670 or 0.67%, and the remaining 3.3% is influenced by other factors.

ANALISIS PEMBIAYAAN BSM IMPLAN PNS (Studi Pada Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Sudirman) Diana Debora; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract This research is motivated by the development of BSM Implant financing which is increasing in line with the increasing level of consumption needs of civil servants. BSM Implan PNS Financing is a leading financing product at the moment, where this product is a sharia concept financing using a Murabahah contract that is offered to civil servants who need funds. Good for multipurpose financing, education, and home renovations. In providing BSM financing, KCP Bogor Sudirman has procedures that must be followed by customers, it is necessary to analyze BSM Implant financing, such as how the BSM Implant financing procedure flows, what obstacles are experienced in the BSM Implant financing process and what are the views of Islamic law on Implant financing BSM. This research is qualitative in nature and the data collection method is by conducting interviews. This data collection method was carried out at Bank Syariah Mandiri KCP Bogor Sudirman, the analysis used in this study was descriptive qualitative. The results of the study show that the flow of financing procedures is the first process that must be considered and carried out by the company to determine the initial steps of the financing process, such as what BSM Implant financing requirements must be met by customers. With this financing, it is hoped that good communication will be established between the bank and the customer. In carrying out the BSM Implant financing process, there are several obstacles encountered in the BSM Implant financing implementation process, namely the initiation process, the verification process, the contract/agreement process, and the disbursement process. And according to Islamic law, the implementation of BSM implant financing at Bank Syariah Mandiri KCP Bogor Sudirman is in line with Islamic law. This is corroborated by DSN MUI Fatwa No: 04/DSN-MUI/IV/2000 concerning Murabaha which states that this guarantee is permissible and strengthened by DSN Fatwa No: 44/DSN-MUI/VII/2004 concerning multilingualism.

PENGARUH KOMITMEN MANAJEMEN PUNCAK DALAM KUALITAS PELAYANAN BPRS TERHADAP KEPUASAN NASABAH [Studi Pada BPRS Botani (Bina Rahmah) Dramaga Bogor] Pitria Ningsih; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

ABSTRACT One of the bank's problems is regarding service. The investigative questions include: 1) Does the customer service, counter and marketing of BPR Syariah together contribute to customer satisfaction? 2) Does the top management's commitment to BPR Syariah Botani service quality provide satisfaction for satisfaction? The aims of this research are: 1) To find out the effect of customer service, counter and BPRS marketing on sales satisfaction. 2) Prioritizing top management commitment to service quality of BPR Syariah Botani for credit satisfaction. This study uses quantitative analysis and the analysis used is multiple linear regression. The sampling technique used is simple random sampling. The research sample used was BPRS Botani and 100 respondents from the general public. The results of this study indicate that the adjusted R-squared value is 0.607 (60.7%). Priority satisfaction for CS, counter and marketing is 60.7%. The remaining 39.3% is approved by factors other than model. Thus the research hypothesis "There is an influence between customer service, over the counter service and marketing service on customer satisfaction of the Sharia Botanical Financing Bank" is accepted. The proposal for BPR Syariah Botani is the recovery rate for vocational training for BPRS employees, particularly in the service sector. Because it can increase satisfaction in terms of service and attract potential customers to do business with the bank. For visitor satisfaction, based on three data variables, respondents agree that the average is +4.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MAHASISWA INSTITUT AGAMA ISLAM SAHID INAIS BOGOR MENABUNG DI BANK BNI SYARIAH Heri Ilham Nasrudin; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Abstract The results of this study are to find out what factors influence and how much interest in Bank BNI Syariah. The benefits of increasing knowledge and getting to know what products are in BNI Syariah for INAIS students and increasing funding and credit at Bank BNI Syariah, quantitative methods with deductive theory, with descriptive statistics online questionnaires to test data, nonprobability sample research sampling with purposive sampling Tabhacic & Fiedell techniques and approaches. This research is supported by a thesis from Yayan Fauji 2010 which states that what influences the intention to save in Islamic banking is the profit sharing ratio and the quality of Islamic banking products. Some other findings that are not in line with this research regarding the factors that influence the intention to save at Islamic Banks, The 2018 Uniyanti's thesis states that what influences the intention to save at Islamic Banks is the factor of religion and pocket money income. . The results of this study used a linear regression test, partial T test, then t-table with a two-way test and α = 5% (0.05) is 1.97944. Then t count on the variable X1 Religion 1.293, X2 Knowledge 0.984, X3 Economic Ability of Parents 0.361, Promotion of Islamic Banks 1.367, Existence of Facilities 1.758, and Administrative Costs 1.549 less than t table. Thus Ho's decision is accepted by Ha is rejected. This means that there is no influence and not significant (not real) from the 6 variables. The influence of the 7 variables is only the profit sharing ratio of 2.389 so that Tcount is greater than Ttable. So thus Ho's decision is rejected and Ha is accepted. This means that there is significant influence and profit sharing ratio (real) on students' interest in saving at Bank BNI Syariah. Looking at the partial t test with a constant B of 1.850 which affects the interest in saving INAIS students at Bank BNI Syariah is the profit sharing ratio variable with a value of 0.226 using a two-way test α = 5% (0.05) of 1.97944, then the Constant B+ value If the ratio value is around 2.076, then the number of INAIS students who are interested in Bank BNI is around 0.02%, so that 9.93% of students are not interested in saving at Bank BNI Syariah.

ANALISIS PRINSIP-PRINSIP SYARIAH KINERJA KEUANGAN UNIT PENGELOLA KEGIATAN DANA AMANAH PEMBERDAYAAN MASYARAKAT DI KECAMATAN TENJOLAYA KABUPATEN BOGOR Ismatul Khoer; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BUSINESS JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah

Unit Pengelola Kegiatan UPK Perkumpulan DAPM Kecamatan Tenjolaya Kabupaten Bogor tidak boleh lepas dari prinsip syariah selain tentunya pengoperasiannya berdasarkan prinsip Juknis Operasional Program Nasional Kemandirian. Pemberdayaan Masyarakat Perdesaan (PTO PNPM MPd). Namun penerapan dan penerapan prinsip syariah dalam kinerja Himpunan UPK DAPM Kecamatan Tenjolaya Kabupaten Bogor belum dapat dipastikan. Sebab, pedoman utamanya adalah PTO PNPM MPd. Oleh karena itu, penting untuk menganalisis prinsip syariah terhadap kinerja keuangan UPK DAPM Kecamatan Tenjolaya Kabupaten Bogor. Penelitian ini menggunakan metode penelitian kualitatif, dengan teknik analisis data yang digunakan adalah analisis data deskriptif kualitatif. Deskripsi kualitatif dalam hal ini adalah setelah semua data terkumpul, kemudian dianalisis dan dijelaskan secara lebih rinci dan sistematis. Dengan demikian, dapat diuraikan secara menyeluruh, dipahami, dianalisis serta diberikan kesimpulan dan saran. Hasil penelitian ini menyatakan bahwa kinerja keuangan Himpunan DAPM UPK Kecamatan Tenjolaya Kabupaten Bogor menurut hasil pemeriksaan Dewan Pengawas UPK Himpunan DAPM masih berjalan dengan baik dan keuangannya dalam keadaan sehat. Berdasarkan hasil analisis, kinerja keuangan Himpunan UPK DAPM Kecamatan Tenjolaya Kabupaten Bogor cukup memenuhi unsur prinsip syariah seperti prinsip tauhid, prinsip keadilan, prinsip tanggung jawab, prinsip asas keutamaan, kejujuran dan kebenaran, asas kerelaan, asas kemanfaatan, asas kehendak bebas, asas kebolehan, dan asas larangan riba.

ANALISIS MANAJEMEN SYARIAH FAKTOR – FAKTOR YANG MEMPENGARUHI PENINGKATAN PENJUALAN ONLINE DI MASA PANDEMI COVID-19 (STUDI KECAMATAN CIBUNGBULANG, KABUPATEN BOGOR) Siti Yansi Apriyanti; Rully Trihantana; Ermi Suryani
SAHID BUSINESS JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah

The exixtence of this research is the background for the analysis of sharia management factors that affect the increase in online sales during the covid – 19 pandemic which aims (1) to analyze and find out how sharia management alyzes the factors that partially influence online sales (2) to analyze and knowing that promotions have a partial effect on increasing online sales. The methode used in this study is a quantitative method. The results of this research are linear regression equation Y= 1.588 - 0,123X1 + 0,294X2 + 0,046X3 + 0,619X4 + e. Promotional research partially provides answers that have a positive effect. That the value of the T-test results is 6.078 > T value is 1.993 and significant is 0.709 meaning H is rejected and H is accepted. Service quality has a partial efffect on increasing online sales with the F test value of 66,087 > F value of 2,734. So H is rejected and H is accepted means that there is an influence between the variables of production quality, price, promotion and service quality simultaneously on the variables of increasing online sales. The dominant variable influencing this research is promotion with a value of 6.078.

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