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All Journal Jambi Medical Journal : Jurnal Kedokteran dan Kesehatan Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK) Jurnal Elektronik Pendidikan Matematika Tadulako AKSIOMA Jurnal Pendidikan Matematika Al-'Adalah Jurnal Sosialisasi: Jurnal Hasil Pemikiran, Penelitian dan Pengembangan Keilmuan Sosiologi Pendidikan Al-Ulum AGRIEKONOMIKA Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan Jurnal Plans : Penelitian Ilmu Manajemen dan Bisnis SCHOOL EDUCATION JOURNAL PGSD FIP UNIMED Jurnal Teknologi Pertanian Jurnal Berkala Epidemiologi Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ilmiah Mahasiswa FKIP Prodi Biologi Jurnal Pendidikan Kimia FKIP Universitas Halu Oleo Padjadjaran Journal of Dentistry Jurnal Surya Medika Jurnal Ilmiah Universitas Batanghari Jambi Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam JURNAL BAHASA, SASTRA DAN PEMBELAJARANNYA Jurnal Distilasi Jurnal Intek Akuakultur Jurnal Pembangunan Berkelanjutan Jurnal Skala Kesehatan Jurnal Kolaboratif Sains Jurnal Pendidikan Ekonomi (JURKAMI) Jurnal Basicedu WIDYA LAKSANA ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Inovator Jurnal Ilmu Manajemen BALANCE Jurnal Akuntansi dan Bisnis Jurnal Proaksi JURNAL TUGAS AKHIR MAHASISWA Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat PREPOTIF : Jurnal Kesehatan Masyarakat Jurnal Doppler Jurnal Fisika dan Terapannya Jurnal Aisyah : Jurnal Ilmu Kesehatan Community Development Journal: Jurnal Pengabdian Masyarakat REUSAM ; Jurnal Ilmu Hukum International Journal of Finance Research JURNAL TEKNIK PATRA AKADEMIKA Jurnal Kesehatan Tambusai Jurnal Kesmas Jambi Al-Sharf: Jurnal Ekonomi Islam Jurnal Manajemen Bisnis dan Keuangan Forum Bisnis dan Kewirausahaan Jurnal Aplikasi Manajemen dan Bisnis (JAMB) MAHESA : Malahayati Health Student Journal Jurnal Riset dan Inovasi Pembelajaran Journal of English Language and Education GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Jurnal Pengabdian Masyarakat (ABDIRA) KESANS : International Journal of Health and Science Edunomia : Jurnal Ilmiah Pendidikan Ekonomi Fruitset Sains : Jurnal Pertanian Agroteknologi Journal of Education Research INVENTION: Journal Research and Education Studies Jurnal Ilmiah Ibnu Sina (JIIS): Ilmu Farmasi dan Kesehatan Jurnal Ilmiah Mahasiswa Fakultas Hukum Universitas Malikussaleh Jurnal Salam Sehat Masyarakat (JSSM) Milkiyah: Jurnal Hukum Ekonomi Syariah Robust: Research of Business and Economics Studies Jurnal Pendidikan dan Ilmu Sosial Edukasia: Jurnal Pendidikan dan Pembelajaran Journal of Agriculture (JoA) Jurnal Basicedu Jurnal Karya Abdi Masyarakat Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Biology and Education Journal (BaEJ) EDUCTUM: Journal Research Electronic Journal of Education, Social Economics and Technology Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Nanggroe: Journal Of Scholarly Service Women Midwives and Midwifery Riset Informasi Kesehatan Jurnal Pengabdian Masyarakat Bangsa International Journal of Health, Engineering and Technology Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Pengabdian Harapan Ibu (JPHI) Jurnal Terapan Ekonomi dan Bisnis (JTEB) (JIMBE) Nanggroe: Journal of Scholarly Service SULUH ABDI : Jurnal Ilmiah Pengabdian Kepada Masyarakat MOTORIK Jurnal Kajian Ekonomi dan Manajemen Indonesia Jurnal Multidisiplin Indonesia Jurnal Malikussaleh Mengabdi Jurnal Al-Maun Jurnal Pengabdian Masyarakat jurnal Ilmu Sosial Haga Journal of Public Health (HJPH) Jurnal Penelitian Sains dan Kesehatan Avicenna Multidisciplinary Journals Journal of Management Education Social Sciences Information and Religion Jurnal Pendidikan Rafflesia Evidence Midwifery Journal Jurnal Faidatuna Tamalanrea: Journal of Government and Development Jurnal Integrasi Manajemen Pendidikan Jurnal Lantera Ilmiah Pengabdian Masyarakat Jurnal Pendidikan Progresif Science and Community Pharmacy Journal Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM) Kesmas: Jurnal Kesehatan Masyarakat Nasional (National Public Health Journal)
Ummi Kalsum
Program Studi Pendidikan Guru Pendidikan Anak Usia Dini FKIP UNTAn, Pontianak
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Journal : Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam

 1 
PENYERTAAN AKADWAKALAH PADA PEMBIAYAAN MURABAHAH (Studi Di BNI Syariah Cabang Kendari) Kalsum, Ummi; Saputra, Eka Rizky
Li Falah: Journal of Islamic Economics and Business Vol. 1 No. 1 (2016): June 2016
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.471

Abstract

Abstract Inclusion wakalah in murabaha financing is an innovative banking practitioners, hybrid contract, an agreement the two parties to implement a contract that contains two or more contract. Wakalah wal Murabahah is a financing agreement of sale and purchase, the bank as the seller has set aside and delegate to the customer as a buyer to purchase their own items needed on behalf of a third party bank independently. This study aims to determine the implementation of inclusion wakalah on murabaha financing at BNI Syariah Branch Kendari and economic overview of Islam against the inclusion of such contract. This study is a qualitative research using interview, observation and documentation to collect data, and then processed and analyzed by the reduction step, presentation and conclusion. Based on the nature and purpose, this study included descriptive exploratory study. The approach used in this study is normative. Based on the results of the study found a discrepancy between the implementation of inclusion wakalah on murabaha financing at BNI Syariah Branch Kendari with a scheme provided by the bank. First, themurabaha contract which should be done after the customer as the representative of the bank buys the goods to the supplier turned out to be held in conjunction with wakalah. Second, purchasing goods over to the customer representative was not in the name but in the name of customers bank itself. Third, funding the purchase of goods that should be paid directly by the bank to the supplier turned out to be melted first by transferring to customers' accounts.In the perspective of Islamic economics, murabaha wal wakalah included in this type of merger contract are allowed, but each pillar and second terms in this contract must be fulfilled if it will be combined. However, in practice, the financing murabaha wal wakalah happened in BNI Syariah Branch Kendari has invalidated one of the pillars and the terms of the sale and purchase namely the lack of traded goods and the goods are not the full property rights berakad parties. Offers to buy this kind of forbidden because included in the category of selling goods that are not owned, sell goods that is not your own and set a profit on goods that are not yet under control. Terms in wakalah also not fulfilled because the goods to be purchased has not become the property of the bank. The bank does not have a relationship of cooperation and agreement in the purchase agreements with suppliers of goods so that the purchasing process can not be delegated to the customer. Keywords: Inclusion, wakalah, murabaha financing, and BNI Syariah Branch Kendari
Restrukturisasi Pembiayaan Murabahah Bermasalah (Studi Pada Bni Syariah Cabang Kendari) Kalsum, Ummi; Rahmi, Rahmi
Li Falah: Journal of Islamic Economics and Business Vol. 2 No. 2 (2017): December 2017
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v2i2.726

Abstract

This thesis research analyzes the process of restructuring on financing the problematic murābahahat PT. BNI Syariah Branch of Kendari. The results prove that the implementation of financingrestructuring murābahah in PT. BNI Syariah Kendari Branch through rescheduling (rescheduling),reconditioning (Return requirements) and restructuring (reordering). While theconstraints of restructuring implementation on Murabahah financing in PT. BNI Syariah KendariBranch is originated from the financing customer itself either from the absence of good customer'sintention to settle the troubled financing due to unwilling restructuring and unclear sources ofpayment after the restructuring. The bank overcomes these obstacles by taking precautions inanalyzing the financing customers, and considering third party installments and taking decisiveaction with the sale of the customer's collateral assets.
Distribusi Pendapatan dan Kekayaan dalam Ekonomi Islam Kalsum, Ummi
Li Falah: Journal of Islamic Economics and Business Vol. 3 No. 1 (2018): June 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i1.1187

Abstract

This article presents the critical study about distribution of income and wealth in Islamic economics perspective and 1945 constitution. The method of this study used descriptiveanalytical with library research approach. The result of this study showed that distribution of income and wealth is urgent in create the Human Falah. The main principles in distribution are justice and affection (brotherhood), meanwhile only there are two system of distribution, those are commercial with market mechanism and sistem which emphasize dimensions of justice for the weak people. In specifically doctrine of nationalism economy and doctrine of populist economy are present in article 33, 34, and 27, 1945 constitution of Indonesia. These articles are be the stronghold of nationalism economy and the stronghold for the prioritization of life neccesities whole of Indonesian people.
Otoritas Pengawasan Perbankan Syariah Di Indonesia Kalsum, Ummi
Li Falah: Journal of Islamic Economics and Business Vol. 3 No. 2 (2018): December 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i2.1196

Abstract

Authority Supervision Banking Sharia in Indonesia to study on a critical aboutsupervision banking sharia from side juridical normative. Settings and supervisionbanking sharia based on Law Number 3 of 2004 concerning Changes the Law Number 23 of 1999 concerning Bank Indonesia and Law No. 21 of 2008 are the authority of BI. Post the enactment of Law No. 21 of 2011 concerning FSA then supervision banking the original sharia to be BI's authority to switch to OJK. With so, the institution Settings and development banking sharia too switch from BI to the OJK, Committee Banking Sharia (KPS) and changed by the OJK and expanded to be Committee Development Services Finance Sharia (KPJKS). For that needed cooperation good coordination between BI and OJK. While supervision from sharia permanent is do by DSN-MUI and in LKS level is DPS as extension hands of DSN-MUI. Because fatwas issued DSN-MUI fixed applies and regulations issued by the BI good PBI and SEBI be fixed to be umbrella law supervision of Islamic banks by DPS anyway applies .
Analisis Implementasi Prinsip Bisnis Ala Rasullulah Oleh Groceries Stall Di Pasar Sentral Kota Kendari Sabana, Adzil Arsyi; Kalsum, Ummi
Li Falah: Journal of Islamic Economics and Business Vol. 5 No. 1 (2020): June 2020
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v5i1.1959

Abstract

Penelitian ini dilaksanakan di pasar sentral Kota Kendari, dengan obyek penelitian groceries stall yang melakukan aktivitas berdagang di pasar sentral Kota Kendari, adapun tujuan penelitian ini adalah untuk menganalisis sejauh mana penerapan prinsip bisnis islam yang dilakukan groceries stall di pasar sentral Kota Kendari dengan menggunakan sampel sebnyak 21 responden dari 38 groceries stall yang di tentukan dengan sensus dan menggunakan analisis deskriptif kualitatif dengan mengguanakan alat nalisis tabulasi silang. Data primer diperoleh melalui wawancara kepada responden dan dan data skunder dari kantor Walikota Kendari. Ruang lingkup penelitian ini adalah implementasi prisip bisnis islam ala Rasulullah. Berdasarka hasil penelitian dan analisis menunjukan bahwa rata-rata 88,12 % groceries stall di pasar sentral Kota Kendari telah menerapkan kelima prinsip bisnis Islam ala Rasulullah, yakni (1) mancapai kepuasan dan keuntungan secara halal; (2) Jujur dan transparan; (3) memperlakukan tenaga kerja sebagai mitra; (4) menghindari sistim Ribawi. Responden dengan persentase tertinggi adalah 100% yakni memperlakukan tenaga kerja sebagai mitra, sedangkan responden dengan persentase terendah adalah 80,5% jujur dan transparan dalam berniaga.
Conversion of DAPM Institution Community Empowerment Trust Fund Allocation Transactions in Konda District into Sharia Contracts Kalsum, Ummi; Mongkito, Abdul Wahid
Li Falah: Journal of Islamic Economics and Business Vol. 8 No. 2 (2023): December 2023
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v8i2.2652

Abstract

This research aims to convert the Community Empowerment Allocation Fund Distribution Transaction contract into a Sharia-compliant alternative for individuals seeking to avoid usury. It employs a qualitative approach, focusing on a case study of the DAPM Institute in Konda District, Southeast Sulawesi. Data gathered through observation, interviews, and documentation reveals that the transaction contracts in the Women's Savings and Loans (SPP) and Productive Economic Enterprises (UEP) programs in Konda District contain elements of Riba. These programs primarily cater to community needs for goods and services procurement and serve as capital or additional business capital, which can be substituted with murabahah, istishna, mudharabah, and musyarakah contracts. In conclusion, financing for goods and services should utilize murabahah or istisna contracts, while capital or additional business capital may employ mudharabah or musyarakah contracts.
Co-Authors ', Gusnardi . Zulfan a. totok priyadi AAN SETIAWAN Abas Basuni Jahari Abbasiah, Abbasiah Abid Djazuli, Abid Adelina Fitri Adiningsih, Silvia ADRIANI ADRIANI Afrianti Simatupang, Golan Lerian Agustin, Rista Aisyah El Mawaddah, Rakhmi Al Hamid, Muhammad Dzikri Aldila, Silvy Alfajri, Alfajri Alwahidin Amidi Anang, Muh. Andi Lukman Irwan, Andi Lukman Andi Subandi Andik Bintoro Andini, Melati Puti Andriansyah Bari Anwar, Resti Refiani Anzela, Risna Aprianti, Rahayu Aprillia, Sindy Apriyani, Sena Ardatiya, Elista Ariani, Yovita Dwi Arifin, M. Jaenal Arraditya, Permana Asep Taryana Askary, Ingrid Arum Asrial Attaqy, Fella Cika Aulia Aulia Aulia Putra, Ananda Ayu Monica, Helvita Azizah, Fitri Azman, Muhammad ’Akli, Zul Badaruddin, Sukri Bahrin Bahrin Bahrin Bambang Sugiarto Basyith, Abdul Beliwati, Kosim Beti Mulu, Beti Budi Aswin Butar Butar, Marta Butar, Marta Butar Chastanti, Ika Christanto Syam Dahliyanti, Novita Dwi Dahrul Aman Harahap Damayan, Elsa ti Damielly Salsabilla Dhara Meutuah Damris Muhammad Darmayanti Darmayanti Dasa Ismaimuza Dewayanti, Patricia Ayu Dewi, Lorenza Chartika Dhilon, Dhini Anggraini Diastanti, Yunita Dwi Noerjoedianto Eka Rizky Saputra, Eka Rizky Eka Sri Yusmartini Eko Ariyanto Elfidiah, Elfidiah Elidar Sari Elys Fauziyah Evy Wisudariani Fairuz Fairuz, Fairuz Fausiyah, Afifah Febriani, Yunita Ferdy Saputra Firman Jaya Firstca Aulia Rachma Fitantina, Fitantina Fitri Maghfirah Fitria, Primasari Fizria, Heny Gani Haryana Ghifari, Izhar Ginting, Gracia Tri Putri Br Girsang, Ermi Gunandi, Iwan Gusdian, Mellani Gusmawati, Putri Guspianto Guspianto Halida . Halim, Raden Halim, Rd Halim, Rd. Harahap, Dewi Anggriani Hariyadi, Hariyadi Harun Harun Hastuty, Milda Hendra Dhermawan Sitanggang Hendriani, Berliana Hidayat Hidayat Hidayat, Randy Hidayati, Nurkhairoh Hilmin, Hilmin Hilyati Milla Husain Insawan Hutwan Syarifuddin Ibnu Rahmad, Rizki Ilyas, Ika Lismayani Irman Idrus Irmawati, Widya Irwansyah, Defi Ismi Nurwaqiah Ibnu Istiani, Istiani J, Johari Jodion Siburian Jumadi Jumardin, Jumardin Juniar, Heni Juniar, Henny Karnefi, Amelya Kartika Putri Kencana, Yanuar Tree Kendal Simangunsong, Yuheni Tarida Kesmayanti, Novisrayani Kezia, Agnes Alya Khaer, Miftahul Khasum, Ummi Khirnanda, Indah Kholifah, Ira Nur Kholillah, Kholillah Khotibul Umam Al Awwaly Kirana, Sephia Rahma Konisi, La Yani Kosim, Belliwati La Ino Legiso, Legiso Lestari, A Puji Lilik Eka Radiati Lingga, Frans Fanca Putra Listiawaty, Renny Lubis, Cahaya Suri Lukman, Rifdah M Rusdi M, Muhibuddin M. Ridwan M. Ridwan Madi, Adnan Maharani Maharani, Maharani Maharani, Dewi Mardwita, Mardwita Maretta, Rezi Marhadi, Muh. Ali Marpaung, Marisa Martedi, Ferry Martini , Sri Maruli, Ahmad Masdaini, Efrina Mashuri, Saepudin Masrina, Masrina Maudin, Maudin Maulita Saraswati Mawaddah, Rakhmi Aisyah El Meirani, Meirani Mellisa, Mellisa Mildansyah, Mildansyah Mohammad Djamil M Nur Mohd Awal, Dato Noor Aziah Mongkito, Abdul Wahid Muh Hasbi Muhammad Ardiansyah Sembiring Muhammad Idris Hasanuddin Muhammad Muhammad Muhammad Rafiek Muhammad Rusdi Muhammad Syukri Muhammad Taufiq Muhibuddin Muhibuddin, Muhibuddin Muslimin, Amrah Muslimin, Istyqamah Muthia, Sevia Putri Nabilla, Cindy Nadiya Nihlatunnaja Nahendra Nainggolan, Sahridayanti Nasution, Helmi Suryani Nasution, Sri Lestari Ramadhani Naswir, Muhammad Ng, Nawi Nia Anjani, Nia Nihlatunnaja, Nadiya Ningsih, Sri Yulia Nizlel Huda Noerjodianto, Dwi Noor Cahaya Noviani, Dwi Nur Afni Nurfa, Nurfa Nurfadilah Nurfath, Lutviyah Nurfitriyana Rahmat Nurhilmiyah, Nurhilmiyah Nuribadah, Nuribadah Nurkhairo Hidayati Nurlinah Nurmalinda Nurmisih, Nurmisih Nurnilawati Nursyahid Siregar Octavia, Oksha Trisia Octaviana, Tarra Oktaviani, Sheila Padillah, Aisyah Palupi, Efrillia Wanodya paradiba, anggia Permana, Arraditya Permana, Arradytia Pratiwi, Stefani Pulungan, Lilik Hidayat Purwanjani, Wahyu Qoriyanah, Finny Febri Rafly, Angga Dian Rahayu, Tria Rahmad, Rizki Ibnu Rahmi Rahmi Ramayani, Vira Suci Rambe, Sehat Muda Randy, Hidayat Rasdi . Rayandra Asyhar Rd. Halim Revis Asra Reza Alief Chairin Noor, Andi Rezeki, Ketiara Ridhah, Syamsul Rifdah, Rifdah Rifdah, Rifdah Rini, Willia Novita Eka Ritawati, Tengku Robiah, Robiah Rohminatin, Rohminatin Romi Asmara Romza, Edy Rosmaini Ruli Joko Purwanto Ruliansyah, M. Wahyu Rusdin Rusdin Sabana, Adzil Arsyi Sadewo, Bayu Saefuddin Saefuddin Safitri, Ervita Safitri, Linda Sahara Sahri, Yulian Saifullah, T Salam, Muh. Ramadhan Saputra, Hendro Masril Saputri, Ritmayana Sari, Erin Adelia Sa’adah, Anifatus Sepita Ferazona Shafira, Jihan siagian, samsir Simanullang, Cindy Sitanggang, Hendra D. Sitanggang, Hendra Dhermawan Sitorus, Widia Sri Susilawati Sri Suwarni Suharmi Suharmi , Suharmi suharmi, Suharmi Sulistiawati, Khurning Sulistyoningsih, Danik Suriyani, Lilis Suryani Nasution, Helmi SURYANTI Syafrila Wil Yantoni, Lara Syaiful Katadi Syarbaniati, Syarbaniati Syukrianti Syahda Tambunan, Ruth Olivia Juliana Tarigan, ayu ipana Taufik Rizal Dwi Adi Nugroho Thamrin . Tri Widya Kurniasari Tri, Elin Trisilia, Wiwin Ulfadillah, Tri Muthi Ah Utami, Dinarossi Venda Wintari Vinna Rahayu Ningsih, Vinna Rahayu Wafi, Bahrul Walqomaro, Qoryati Wibowo, Anisa Devi Kharisma Widayati, Tunjung Wahyu Windra, Dony Wirawan, Kristuaji Andre Wizaldi, Ivanda Wulandari, Musriati Yantoni, Lara Syafrila Wil Yatim, Md Ivan Zachary Yesi Oktavia Yeyendra Yokasari, Yokasari Yudha Mahrom Yuliawan, Tri Yunita, Sang Ayu Yusrizal Yusrizal Yusrizal Zahratul Fitri, Zahratul Zainal Abidin Zuber Angkasa Zuhdiah, Zuhdiah Zul Akli Zulvianti, Irma