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Analisis Perbandingan Kinerja Keuangan Bank Syariah dengan Bank Konvensional Perspektif Maqashid Syariah Hidayat, Solikhul; Saiban, Kasuwi; Nurfadilah, Nurfadilah; Munir, Misbahul
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022): INVEST - Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3663

Abstract

Accounting as a complement (tahsiniyat) can turn into a necessity (hajiyat) at the maqashid level. Maqashid sharia is not the most decisive factor in giving birth to sharia economic products that can play a dual role as a tool of social control and socio-economic engineering to realize human benefit, sharia maqashid can provide philosophical and rational dimensions to sharia economic law products that are born in economic ijtihad activities contemporary sharia. Islamic banking, which is growing and developing in the country, is currently increasingly in demand by investors and potential investors. However, the problem is that people do not know how far the performance of Islamic banking is, when compared to the performance of conventional banks which first operated. This study is intended to compare the performance of the two banks, this is important so that investors, potential investors know and assess the performance of the two banks. Assessment of financial performance can be seen from the financial ratios of CAR, ROA, ROE, NPL, LDR, and BOPO. The research population is 14 Islamic commercial banks. The sample using purposive sampling, using 3 Islamic banks, Bank Negara Indonesia (BNI) Syariah, Bank Rakyat Indonesia (BRI) Syariah, Bank Mandiri Syariah and 115 conventional banks. Research data from the annual financial statements of the banks under study. The data analysis technique used the Mann-Whitney U Test. The results showed that there was no significant difference in the CAR ratio between Islamic banks and conventional banks. The ratio of ROA, ROE, NPL, LDR and BOPO there are significant differences between Islamic banks and conventional banks. The financial performance of Islamic banks is better in terms of the LDR ratio, while the financial performance of conventional banks is better in terms of the ratios of CAR, ROA, ROE, NPL, BOPO.
Character Education in Building Life Skills /Pendidikan Karakter dalam Membangun Kecakapan Hidup Salamah, Umi; Saiban, Kasuwi; Supriyatno, Triyo; Akbar, Sa'dun
Al-Mudarris: Journal Of Education Vol. 5 No. 1 (2022): edisi APRIL
Publisher : STAI Ma'had Aly Al-Hikam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32478/al-mudarris.v5i1.1029

Abstract

The research focused on the implementation of character building to improve students’ life skills and the implication of character building on students’ life skills in PPBM. It was carried out using a qualitative approach and case study design in business units of PPBM. The data source of the research consisted of the caretakers, teachers, the head of the vocational training center, and students involved in the management, work, and training in various business units. The researcher collected the data using observation, interviews, open questionnaires, and documentation. The key instrument of the research is the researcher herself. However, the researcher employed research instruments of observation, interview, and open questionnaire to help her during the process. The data was analyzed using description, condensation, categorization, and interpretation processes.The result of the research shows that (1) to improve students’ life skills, character building is carried out by understanding the vision, mission, and objectives of the Islamic boarding school. The learning starts from the production of goods and services using sources and learning media in an extensive way (involving tutors and professionals of certain business unit), internship, independent learning using internet (Youtube, WA, Instagram, and other social media), the practice of management, work, and training in the business units, assessment, and authentic evaluation by involving students in the management and work of business unit; the learning monitoring is done by report and reflection on their performance in each business unit; (2) The implication of character building on students’ life skills includes the developing of students’ individual skill, awareness to live independent, religious competence (praying attitude, being grateful and patient, being responsible, struggling, and serious in work); social competence, namely the competence to communicate, collaborate, and cooperate; academic competence; and vocational competence, namely the competence to work in business unit experienced by students in PPBM. 
DEVELOPMENT OF INTERACTIVE E-MODULES OF ISLAMIC RELIGIOUS EDUCATION FOR CHILDREN/PENGEMBANGAN E-MODUL INTERAKTIF MATA PELAJARAN PENDIDIKAN AGAMA ISLAM PADA ANAK Mas’udah, Laili; Salamah, Umi; Saiban, Kasuwi
Al-Mudarris: Journal Of Education Vol. 5 No. 2 (2022): edisi OKTOBER
Publisher : STAI Ma'had Aly Al-Hikam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32478/al-mudarris.v5i2.1189

Abstract

The development of the field of information and technology is very rapid. The world of education cannot be separated from change. The teaching materials needed are currently in electronic form (e-modules), because they can convey more concrete messages through videos and interactive quizzes, so learning is more fun. The research objective is the development, feasibility and implementation of interactive e-modules for PAI subjects in children.The type of research R and D refers to Borg and Gall: 1) research and information gathering, 2) planning, 3) product development, 4) initial field test, 5) initial product revision, 6) further field test, 7) operational production revision, 8) operational field test and 9) field test. The results showed that the assessments of: 1) material experts 92%, very decent category; 2) 85% of media experts are classified as very decent. Random trials, 39 students in small-scale trials and 166 students in large-scale trials showed, the aspects of use were very interesting, access was very easy, very helpful in learning. The usefulness aspect is very clear, the instructions and presentation of the material are clear. Aspects of presentation of questions and appropriate material. Appearances, interesting practice questions, e-module quizzes are effective and very effective in helping to improve understanding. Thus, this interactive e-module is very feasible and can be implemented as a PAI learning media for children.
Tanggung Jawab Pelaku Usaha Terhadap Pasien Atas Pelayanan dan Jasa Pemasangan Kawat Gigi Menurut UU Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen Putri, Atina Rokhmani; Az, M. Ghufron; Saiban, Kasuwi
SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Vol. 3 No. 4 (2024): SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum, Agustus 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/seikat.v3i4.1419

Abstract

Penggunaan kawat gigi dalam ortodonti bertujuan untuk meluruskan dan memposisikan gigi sesuai gigitan seseorang. Kawat gigi membantu individu dengan maloklusi atau susunan gigi tidak teratur. Selain manfaat medis, kawat gigi juga dianggap sebagai simbol status dan fashion. Namun, pengguna kawat gigi menghadapi risiko seperti infeksi bakteri dan virus akibat kebersihan yang kurang optimal, yang dapat menyebabkan penyakit serius seperti hepatitis dan HIV. Kawat gigi juga dapat menyebabkan luka di mulut yang meningkatkan risiko penularan penyakit melalui aktivitas seksual. Penelitian ini dilakukan secara normatif dengan pendekatan pendekatan perundang-undangan (statute approach) dan pendekatan konseptual (conceptual approach) untuk menemukan jawaban dari rumusan tentang Bagaimana tanggung jawab pelaku usaha terhadap pasien atas pelayanan dan jasa pemasangan kawat gigi berdasarkan UU No. 8 Tahun 1999 tentang perlindungan konsumen. Hasil penelitian menunjukkan Pelaku usaha, termasuk tukang gigi, bertanggung jawab atas produk dan jasa yang dihasilkan, sehingga konsumen dilindungi dari praktik yang tidak sesuai dan dapat menimbulkan kerugian, sebagaimana diatur dalam Pasal 19 UUPK, tanggung jawab itu juga diatur dalam Pasal 1366 KUHPerdata.
Metodologi Kajian Islam; Perspektif Ibrahim M. Abu Rabi’ Imanto, Anggun; Fatkhul Choiri, Mohamad; Suswanto, Suswanto; Muhid, Muhid; Saiban, Kasuwi
Spektra: Jurnal Ilmu-ilmu Sosial Vol 5 No 2 (2023): Spektra : Jurnal Ilmu-Ilmu Sosial
Publisher : Fakultas Agama Islam Universitas Islam As Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/spektra.v5i2.2404

Abstract

Islamic studies (dirosah islamiyyah) should be carried out and developed dynamically like scientific studies in general. But unfortunately on the contrary, Islamic studies seem to have stagnated or not experienced significant progress amidst various social issues that continue to develop. Even when there are Islamic studies conducted by Muslim insiders, they often appear dull and poor in approach and methodology. Islamic studies should be open to the methods and approaches currently being developed. Ibrahim M. Abu Rabi tries to open up this void through his study of the history of Islamic thought and awakens intellectuals so that they fully understand the role and importance of advancing Islamic studies. The scientific opinion is currently being developed. Problems that are increasingly complicated and complex cannot be explained satisfactorily by classical Islamic research theories that rely solely on textual research. According to him, Islamic studies must be open to contemporary scientific disciplines.
VALIDITY OF CRYPTOCURRENCY AS DOWRY IN MARRIAGE IN INDONESIA PERSPECTIVE OF ISLAMIC LAW Farhan, Muhammad Faiz; Saiban, Kasuwi
Hukum Islam Vol 24, No 2 (2024): ISLAMIC FAMILY AND ACONOMIC LAW
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/hi.v24i2.23527

Abstract

This study examines the validity of cryptocurrency as a dowry in marriage in Indonesia from the perspectives of Islamic law and positive law. Technological advancements have driven the use of crypto assets as dowries, sparking debates regarding their legitimacy and mechanisms. This research aims to analyze these issues using a normative approach with contemporary ijtihad methods (intiqa’i and insya’i) and a statute approach. The findings reveal that, in general, the Indonesian Ulema Council (MUI) prohibits the use of cryptocurrency as a medium of exchange or commodity, except when it fulfills the requirements of sil’ah. In the context of national law, crypto assets can be used as dowries if agreed upon by both parties. The transfer mechanism requires a grant process before a notary to ensure legal validity. This study has implications for the development of regulations and legal understanding regarding the use of modern technology in religious traditions.Key words: Cryptocurrency, Dowry, Islamic Law, Positive Law, Technology.
Implementasi Maqashid Syariah dalam Pemberdayaan Ekonomi Masyarakat Wulandari, Efriza Pahlevi; Saiban, Kasuwi; Munir, Misbahul
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3661

Abstract

Poverty is a social problem that must be immediately eradicated in people's lives. If there is no serious action to eliminate it, there will be many problems that arise due to poverty, such as crime, crime; even a strong person's faith can become weak when poverty strikes. one effort to reduce the level of poverty that exists, namely by empowering the community through the business sector (industry) to improve economic welfare. Islamic economic welfare is divided into 2, namely the welfare of the world and the hereafter. Welfare is material and spiritual welfare. Material welfare is obtained by increasing income to meet life's needs, while spiritual welfare draws closer to Allah SWT by maintaining maqashid sharia. The goal and hope of this Maqashid Syariah in improving the community's economy are to produce prosperity for the community itself, both in this world and in the hereafter         
Analisis Perbandingan Kinerja Keuangan Bank Syariah dengan Bank Konvensional Perspektif Maqashid Syariah Hidayat, Solikhul; Saiban, Kasuwi; Nurfadilah, Nurfadilah; Munir, Misbahul
Invest Journal of Sharia & Economic Law Vol. 2 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3663

Abstract

Accounting as a complement (tahsiniyat) can turn into a necessity (hajiyat) at the maqashid level. Maqashid sharia is not the most decisive factor in giving birth to sharia economic products that can play a dual role as a tool of social control and socio-economic engineering to realize human benefit, sharia maqashid can provide philosophical and rational dimensions to sharia economic law products that are born in economic ijtihad activities contemporary sharia. Islamic banking, which is growing and developing in the country, is currently increasingly in demand by investors and potential investors. However, the problem is that people do not know how far the performance of Islamic banking is, when compared to the performance of conventional banks which first operated. This study is intended to compare the performance of the two banks, this is important so that investors, potential investors know and assess the performance of the two banks. Assessment of financial performance can be seen from the financial ratios of CAR, ROA, ROE, NPL, LDR, and BOPO. The research population is 14 Islamic commercial banks. The sample using purposive sampling, using 3 Islamic banks, Bank Negara Indonesia (BNI) Syariah, Bank Rakyat Indonesia (BRI) Syariah, Bank Mandiri Syariah and 115 conventional banks. Research data from the annual financial statements of the banks under study. The data analysis technique used the Mann-Whitney U Test. The results showed that there was no significant difference in the CAR ratio between Islamic banks and conventional banks. The ratio of ROA, ROE, NPL, LDR and BOPO there are significant differences between Islamic banks and conventional banks. The financial performance of Islamic banks is better in terms of the LDR ratio, while the financial performance of conventional banks is better in terms of the ratios of CAR, ROA, ROE, NPL, BOPO.
IZIN PERNIKAHAN DAN PERCERAIAN PEGAWAI NEGERI SIPIL PERSPEKTIF MAQASHID SYARIAH Agung Wijayanto, Much; Saiban, Kasuwi
Familia: Jurnal Hukum Keluarga Vol. 4 No. 1 (2023)
Publisher : Program Studi Hukum Keluarga Fakultas Syariah UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/familia.v4i1.80

Abstract

 Perkawinan berdasarkan ketentuan yang terdapat dalam kitab-kitab klasik laki-laki yang ingin memiliki lebih dari satu istri, tidak ada persyaratan sebagaimana diatur dalam  ketentuan  Peraturan Pemerintah No.  45 Tahun 1990  perubahan atas Peraturan Pemerintah Nomor 10 Tahun 1982 tentang Izin Perkawinan dan  Perceraian  Pegawai Negeri Sipil,  lima syarat yang cukup bagi  calon  istri, calon suami, wali, dua orang saksi, dan saksi. Sedangkan PNS dalam PP Pasal 4 Ayat 1 laki-laki yang ingin melakukan poligami harus meminta izin kepada atasan  dan Pengadilan Agamanya. Menurut peneliti perlu melakukan analisis ulang dengan metodologi yang tepat dan  justru karena Peraturan Pemerintah tentang  tata tertib hukum negara, untuk mengetahui apakah Peraturan Pemerintah Nomor 45 Tahun 1990 tentang Izin Perkawinan dan Perceraian Pegawai Negeri Sipil memiliki kemanfaatan atau sebaliknya. Untuk itu peneliti memilih Maqashid al- Syari'ah Jasser Auda sebagai pisau  analisis dalam penelitian  ini. Penelitian ini bertujuan untuk menguji secara empiris variabel-variabel yang telah dirumuskan dalam perumusan masalah yaitu mengungkapkan riwayat kelahiran PP.  No. 45 Th.  Perubahan PP tahun 1990.  Tidak.  10 Th.  1983   tentang perkawinan dan perceraian PNS,    penerapan  teori Maqashid al-Syari'ah Jasser Auda pada PP. No. 45 Th. 1990, dan menganalisis PP. No. 45 Th. 1990   amandemen PP. No. 10 Th. 1983 tentang izin  perkawinan dan perceraian PNS dengan teori Maqashid al-Syari'ah    Jasser Auda. Metode Penelitian dengan Pendekatan dan Jenis Penelitian adalah pendekatan   kualitatif yang  berorientasi pada  pendekatan hukum (Statute Aproach dengan jenis  penelitian Perpustakaan (library research).  Metode  pengumpulan data menggunakan  dokumentasi, dan analisis data  menggunakan deskriptif - induktif.
Hukum Islam dan Hukum di Indonesia tentang Pernikahan Beda Agama Hidayat, M. Taufiq; Nu'man, Ali; Yamin, Ashabul; Hafidh, Hafidh; Saiban, Kasuwi
ARZUSIN Vol 3 No 1 (2023): FEBRUARI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v3i1.822

Abstract

This research aims to examine the perspective of Islamic law regarding interfaith marriage. The method used is qualitative, with a comparative approach. In the study of Islamic law, interfaith marriages are classified into three categories: marriages between Muslim men and polytheistic women; Muslim man's marriage to ahlulkitab woman; and the marriage of Muslim women to non-Muslim men. Regulatively, interfaith marriages in Indonesia do not have legal force, because Law Number 1 of 1974 concerning Marriage and the Compilation of Islamic Law as positive law has prohibited interfaith marriages. Therefore, the Office of Religious Affairs and the Civil Registry will not carry out administrative records of interfaith marriages.
Co-Authors AA Sudharmawan, AA Abd Azis Tata Pangarsa Agung Wijayanto, Much Ahmad Izzuddin Ahmad Kholil Ahsani Taqwiem Alfi Syahri, Vanda Kamila Ali Mahmudi Ali Mahmudi Andi Poerwanto Soedjatmiko Anggun Imanto Anugerah, Ghifari Fajar As'ari, Hasyim Atik Abidah Az, M. Ghufron Badrud Tamam Budiyono Santoso Cut Amirah Fatinah Efriza Pahlevi Wulandari Evi Rohmatzzuhriyah Fadil SJ Fadilla Lailawaty Farhan, Muhammad Faiz Fatkhul Choiri, Mohamad Ğafurof, Rishat Ameer Hafidh, Hafidh Hidayat, Raya Hidayati, Manzilah Nuri Imamul Hakim Imamul Hakim Imanto, Anggun Jamrud Zaman Kartika Rose Rachmadi Khairani Mukdin Khoirul Musthofa Kholili Kholilulloh, Habib Khotbatul Laila Laili Mas’udah M. Luthfillah Habibi M. Taufiq Hidayat M. Yunus Abu Bakar Mas’udah, Laili Matnin MH Ainulyaqin Miftahul Khoir Misbahul Munir Misbahul Munir Misbahul Munir Misbahul Munir Misbahul Munir Moch. Mahsun Mohamad Fatkhul Choiri Mohammad Usman Mubin, Ufuqil Muchammad Fauzan Zenrif Mufarrihul Hazin Muhid Muhid Muhid, Muhid Muhtadi Ridwan Mujtaba, Wardah Mustofa Mustofa Nadia Ananda Putri Nafila, Radifa Isnain Naqiyyatussa’diyah, Naqiyyatussa’diyah Nik Saleh, Nik Salida Suhaila Noer Yasin Nu'man, Ali Nugroho, Rahmat Nurfadilah Nurfadilah Nurul Falach, Alifya putri, atina rokhmani Qomari, Nur R. Cecep Lukman Yasin R. Rusli Rahmat Vijay Bengal Ridwan, Muhtadi Rizkika Agustin Rostami , Soheila Rozendana, Fahed Zurrofin Sa'dun Akbar Saiful Bakhri Salsabila, Fajrina Dhia Soheila Rostami Solikhul Hidayat Sri Mulyani Sri Mulyani Sunarjo Sunarjo Suswanto Suswanto Suswanto Suswanto, Suswanto Syanaya Mela Abyta Syarif, Mas Abdullah Titi Rusydiyati Al Kaswy Triyo Supriyatno Tutik Hamidah Umi Salamah Umi Salamah Umi Salamah Utien Kustianing Wahyudi Widodo Wardah Mujtaba Wika Yudha Shanty, Wika Yudha Yamin, Ashabul Yusran Yusran Zainur Rozikin Zaman, Jamrud Zenrif, Muchammad Fauzan