Siti Inayatul Faizah, Siti Inayatul
Departemen Ekonomi Syariah-Fakultas Ekonomi Dan Bisnis-Universitas Airlangga

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Makna Motivasi Islam Dalam Pemilihan Profesi Sebagai Karyawan Bank Syariah Jatim Surabaya (Telaah Kritis Dalam Perspektif Fenomenologi) Faizah, Siti Inayatul
Jurnal Ekonomi dan Bisnis Islam Vol 1, No 2 (2015): Juli - Desember 2015
Publisher : Departemen Ekonomi Syariah Fakultas Ekonomi dan Bisnis Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (746.933 KB)

Abstract

This research aims to study the meaning of motivation on how Islam in elections as an employee of Jatim Syariah Bank Surabaya in the critical study of the perspective of Phenomenology. The research method used is the method of qualitative perspective of Phenomenology. The results showed that Motivation has a meaning and a very decisive role for each employee in performing work activities such as the direction of the Organizations work. Fulfillment of necessities of life employees become main factors stemming from internal to themselves as encouragement to work in East Java of Islamic Banks, while the rotation work placements as main external factors that make each employee perform work that could encourage a variety of other expectations such as succession, as well as various allowances in their future. The meaning of motivation that already externalized in various forms of performance that could bring increased and progress for the organization of the company. Keyword: Islamic Motivation, Employee, Fenomenology
Strategi Penguatan Ekonomi Orang Tua pada Keluarga Anak Jalanan di Surabaya Puji Sucia Sukmaningrum; Siti Inayatul Faizah
JURNAL SOSIAL HUMANIORA (JSH) Vol 12, No 2 (2019)
Publisher : Institut Teknologi Sepuluh Nopember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12962/j24433527.v12i2.4209

Abstract

This study aims to find out the strategy on how to strengthen the economic welfare of street children’s family in Surabaya. Children are the next generation of the nation whose all their needs should be fulfilled. Surabaya, as one of the largest cities in Indonesia, has some issues relating to poverty and street children. The research employed a qualitative research method, and the informants were the street children in Sanggar Alang-Alang Surabaya. The result of the study showed that the strategy that can be given to parents of the street children is the construction of the family workforce through the creative economy program, protection from discrimination against their work, provision of services, and creating productive business for poor families
Peran Masjid Sebagai Roda Penggerak Perekonomian Masyarakat (Penelitian Deskriptif Pada PKL di Kawasan Masjid Al-Akbar Surabaya) Husniyah Suryani; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 5 (2015): Mei-2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (188.887 KB) | DOI: 10.20473/vol2iss20155pp387-399

Abstract

The purpose of this research is to find does Al-Akbar Mosque, as a place to pray for Moslems, as place to learn about Islam and as a tourism site influence people to do an economic activity around there. The economic activity is limited at street vendors only.This research is using qualitative approach; data are collected by interview into some street vendor and by observation. After needed data collected, the data was analyzed using descriptive qualitative approach.It has summarized that there are two roles of Al-Akbar Mosque which influence people to do economic activities around there. First is passive role, which Al-Akbar Mosque as a mosque, as a place to learn about Islam and as a tourism site is able to attract a lot of people to come for their own purposes and it motivates the street vendors to start economic activities. The secondrole is an active role, if the management of Al-Akbar Mosque didn’t allow them to do so; the street vendor won’t be able to sell their things there peacefully. And it is related to Al-Akbar’s Mosque commitment as its function to empower ummah.
Motivasi Pengusaha Dalam Pengembangan Inovasi Produk (Penelitian Deskriptif Terhadap Pengusaha Garmen Muslim di Gresik) Ramadhany Imanda; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 5 (2015): Mei-2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (146.401 KB) | DOI: 10.20473/vol2iss20155pp413-425

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Motivation is an effort to push or move in order to reach goals based on its ability to satisfy the needs. Motivation of entrepreneurship in Islam is to work for a living as a duty to serve Allah SWT and someone’s heart level that motivates him/her into act based on Islamic dogma. Entrepreneurs put those Islamic religion aspects as prove that him/her is loyal to Allah SWT whichis arise because of the right intention, way and purpose to fulfill needs and performance’s improvement.This research’s aim is to find out the motivation of Moslem garment entrepreneur at Gresik into developing product innovation. This research is using qualitative approach with descriptive study, data are collected by a direct observation, interview and documentation toward Moslem garment entrepreneur at Gresik market region. Besides literature research which related to Islamic motivation and product innovation also needed.The result shows that Moslem garment entrepreneur at Gresik has motivated until appropiate teaching of entrepreneurship and Islamic jurisprudence to work independently in a living, working with an intention to worship Allah SWT. The motivation of the Moslem garment entrepreneur in Gresik try to do development of product innovation by doing modification and produce the Moslem’s garment which likeable by their consumer, develop the market segment, also fix their product to escalate the product quality and give some added value.
Kesesuaian Mekanisme Pembiayaan Murabahah Produk KPR Menurut Fatwa DSN MUI Di Bank JATIM Syariah Surabaya Cabang Darmo Dara Setianti Kania P; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 3 (2016): Maret-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (174.085 KB) | DOI: 10.20473/vol3iss20163pp235-248

Abstract

This research aims to determine how the suitability of handling Murabaha financing problem house loan product at fatwa of the National Sharia Supervisory Board of the Indonesian Ulama Council (DSN-MUI) in Bank Jatim Sharia Surabaya. The object of the study are Bank Jatim Sharia’s competent employees which competent in murabaha financing. This study used qualitative descriptive approach. The researcher collected the data by interviewing three employees of Bank Jatim Sharia.This research finds that the six points which used as references in the study such as price, advance, fine, guarantee, and collectability murabaha financing of House Loan product are suitable with fatwa of the National Sharia Supervisory Board of the Indonesian Ulama Council (DSN-MUI). But, there is one which doesn’t suitable with fatwa.
Proses Kegiatan Penghimpunan Dan Distribusi Wakaf Tunai Di Baitul Maal Hidayatullah Surabaya Muhammad Afdhal; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 6 (2016): Juni-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (167.475 KB) | DOI: 10.20473/vol3iss20166pp490-503

Abstract

This research adopts a qualitative approach with case study methodology. Data collection is done through carrying out interview with informants such as branch manager, financial manager, marketing staffs and several donators of Baitul Maal Hidayatullah. Secondary data comes under the form of documents pertaining to the practice performed by Baitul Maal Hidayatullah. The pattern matching technique is then used to compare patterns based on empirics with the predicted patterns. Cash waqf funds are collected through direct and indirect means. The collection of cash waqf funds by Baitul Maal Hidayatullah are in accordance with the procedures set out by Badan Wakaf Indonesia which are, analysis of needs, waqif profile identification, the product of waqf, and the transactional cost. The distribution of cash waqf funds by Baitul Maal Hidayatullah are in accordance with what has been ordained by the Direktorat Pemberdayaan Wakaf, which includes, waqf distribution for education and social services.
KESEJAHTERAAN PETANI PENGGARAP SAWAH PADA PENERAPAN AKAD MUZARA'AH DENGAN PENDEKATAN MAQASHID SYARI'AH DI TULUNGAGUNG Dias Rizqi Wardani; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 7 (2019): Juli-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20197pp1450-1461

Abstract

Muzara’ah is the contract between farm workers and farm owners in which, cost of cultivations, seeds, and fertilizers are provided by the farm owners, meanwhile the farm workers have responsibility in giving their best efforts on cultivating the farmland. Later then, the harvest will be shared according to the contract that has been agreed. The purpose of this research is to describe farmer’s welfare in the village of Sodo after implementing Muzara’ah Contract with the Maqashid Sharia approach. This research approach is qualitative descriptive and uses case study as its strategy. Informants in this research are administrator from Krido Tani Farmers Association, The farm workers, and the farm owners. These informants determined by using purposive sampling technique. The data collection techniques are carried out through interview and direct observation. According to the research, it was shown that agricultural cooperation with Muzara’ah Contract has a role in improving farm workers’ welfare, viewed from the indicators of Maqasid Sharia.Keywords : Muzara’ah, Welfare, Farmer, Agricultural Cooperation
PERAN LMI DALAM PEMBERDAYAAN EKONOMI MASYARAKAT MISKIN MELALUI PROGRAM GADUH TERNAK BAROKAH DI KABUPATEN TRENGGALEK Diah Ayu Wulanda; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 8 (2019): Agustus-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20198pp1690-1705

Abstract

Gaduh Ternak Barokah is a program established by the Infaq Management Institute to empower the poor who have the ability to raise livestock to meet their daily needs. This program is a collaboration between breeders and the Infaq Management Institute where capital is provided in the form of livestock, namely goats. Breeders row livestock with their own energy and the ability to raise livestock only and later the results of animal husbandry were divided according to mutual agreement. This Gaduh Ternak Barokahis programmed to the economically disadvantaged society of Banaran, Depok Village, Bendungan suburb, Trenggalek Regency. This research aims at determining the role of Gaduh Ternak Barokah program on alleviating the poor society of Banaran, Depok Village, Bendungan suburb, Trenggalek regency based on prosperity indicators. The research approach is qualitative descriptive and uses a case study strategy. The informants in this study consisted of those who received assistance from the program, namely farmers. The technique of determining informants in this study used purposeive sampling techniques and data collection techniques were carried out through interviews and direct observation. Based on the research result, it is shown that Gaduh Ternak Barokah has a role on improving the farmers’ wealth in the point of view of prosperity.Keywords: Role, Empowerment, Farmers, Animal Husbandry ProgramREFFERENCESAl-Utsaimin, Muhammad Shalih. 2012. Ensiklopedi Zakat. Jakarta: Pustaka as-SunnahAsh-Shiddieqy, M Hasbi. 2012. Pedoman Zakat.  Semarang: PT Pustaka Rizki PutraAsnaini, Zakat Produktif dalam Perspektif Hukum Islam, (Yogyakarta: Pustaka Pelajar, 2008), h 50___________________.Zkat Produktif dalam Perspektif Hukum Islam, (Yogyakarta: Pustaka Pelajar, 2008), h 63Badan Pusat Statistik. 2017. Profil Kemiskinan di Indonesia September 2013-2016. Berita Resmi Statistik, (Online), (http://bps.go.id/brs/view/id/1099 diakses tanggal 20 Mei 2019).Badan Pusat Statistik. 2017. Jumlah Penduduk Miskin, Persentase Penduduk Miskin dan Garis Kemiskinan di Jawa Timur 2013-2016. Kemiskinan, (Online), (http://www.bps.go.id/linkTabelStatis/view/id/1494, diakses tanggal 28 Mei 2019).Badan Pusat Statistik. 2017. Profil Kemiskinan di Trenggalek September 2016. Berita Resmi Statistik, (Online), (http://bps.go.id/Brs/view/id/1227, diakses tanggal 28 Mei 2019).Gulo, W. 2002. Metodologi Penelitian. Jakarta: Penerbit PT. Grasindo.Hadi, AgusPurbathin. 2004. KonsepPemberdayaan, Partisipasi dan Kelembagaan dalam Pembangunan.Yayasan Agribisnis/Pusat Pengembangan Masyarakat Agrikarya (PPMA).Hafidhuddin, Didin. 2004.  Zakat Dalam Perekonomian Modern. Jakarta: Gema InsaniHikmat, Harry.2010. Strategi Pemberdayaan Masyarakat. Bandung: Humaniora Utama PressKamus Besar Bahasa Indonesia Esidi 3. 2007. Departemen Pendidikan Nasional. Balai PustakaMiftah, A. A. 2008. Pembaharuan Zakat untuk Pengentasan Kemiskinan di Indonesia. Innovatio (Online), Vol. VII, No. 14, (http://i-epistemology.net/v1/attachments/1137inv7n14%20Pembaharuan%20Zakat2untuk%20Pengentasan%20Kemiskinan%20di%20Indonesia%20%20A.A.%20Miftaf.pdf, diakses tanggal 27 Mei 2019).Mahendrawaty, Nanih. 2001. Pembangunan Masyarakat Islam dariIdeologi, strategi, sampai Tradisi. Jakarta: Remaja Rosda Karya.Moleong, Lexy J. 2001. Metodologi Penelitian Kualitatif. Edisi Revisi. Bandung: Remaja Rosda Karya._______________. 2010. Metodologi Penelitian Kualitatif. Edisi Revisi. Bandung: Remaja Rosda Karya.Permana, Trisna Setia. 2016. Peran Pertanian Urban pada Kesejahteraan Petani Muslim Ditinjau dari Perspektif Islam (Studi pada Empat Kelompok Tani di Surabaya). Skripsi tidak diterbitkan. Surabaya Ekonomi dan Bisnis Universitas Airlangga.Qardawi, Yusuf. 2011. Hukum Zakat. Bogor: Pustaka Litera AntarNusaBalai PustakaQardhani, Yusuf. 2006. Kiat Islam Mengentaskan Kemiskinan. Jakarta: GemaInsani Pers.Ryandono, Muhammad Nafik Hadi. 2008. Ekonomi ZISWAQ (Zakat, Infaq, Shadaqah, dan Waqaf). Surabaya: Ifdi dan Cenforis.Sabiq, Sayyid. 2008. Fikih Sunnah.. Jakarta: Cakrawala PublishingSoekanto, soerjono, Sosiologi Suatu Pengantar, Jakarta; MizanSomantri, Gumilar Rusliwa. 2005. Memahami Metode Kualitatif. Makara, Sosial Humaniora, Vol. 9 No. 2, Desember 2005: 57-65. Depok: Universitas Indonesia.Sudibyo, Bambang. 1998. Kemiskinan di Indonesia. Bandung :Mirzan.Sugiyono. 2009. Memahami Penelitian Kualitatif. Bandung: Alfabeta.Sulistiani, AmbarTeguh. 2004. Kemitraan Dan Model-model Pemberdayaan. Jogjakarta: Gava Media.Sumodiningrat, Gunawan. 1999. PemberdayaanMasyarakat Dan JPS. Jakarta: Gramedia.Republik Indonesia. Undang-Undang RI Nomor 23 Tahun 2011 tentang Pengelolaan Zakat (Diakses dari http://dki.kemenag.go.id/index.php?a=artikel&id=14625&t=2646 tanggal 27 Juni 2019).Yin, Robert K.2012.Studi Kasus:Desain dan Metode. Jakarta: PT Raja Grafindo Persada.Yulizar D. danMoch.Tufik. 2016. Fiqih Tamkin (Fiqih Pemberdayaan) :Membangun Modal Sosial Dalam Mewujudkan Khairu Ummah. Jakarta. Qisthi Press.Zuhayly, Wahbah Al. 2008. Zakat Kajian Berbagai Mazhab. Bandung: PT Remaja Rosdakarya.
THE APPLICATION OF MUZARA'AH SYSTEM IN SUGIO LAMONGAN’S FARM WORKERS FROM THE WELFARE PERSPECTIVE BY ASY-SYATIBI Arga Satria Wisesa; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 1 (2020): Januari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20201pp1-20

Abstract

This research aims to find out about the welfare of farm workers at the sub-district of the Lamongan districts, Sugio, using Asy-Syatibi’s indicator of wellness which consists of five indicators: religion, soul, mind, offspring and wealth. All of those indicators must fulfiled the dharuriyyat level, after that those indicators must be maintained in the hajiyyat level and then perfected in the tahsiniyat level. The method used in this research are qualitative approach with case-study explanatory. Primary data are collected by interviewing and observation directly at the informant which is the leader of “Mulyo Tani” Farmer’s Associations and its respective members. The secondary data are collected from journal, books, BPS, village data, internet access and other relevant literatures. This research founds that, the farm workers at Sugio, Lamongan has fulfiled the religion, soul, mind, offspring and wealth indicators at dharuriyat level. The farming cooperation, which is conducted by the cultivator and the owner of the field, are using the muzara’ah contract with the welfare approach held by “Mulyo Tani” Farmer’s Associations in Sugio, Lamongan, which in turn increased the overall welfare of the farm workers. Those cooperations can also bring positive impacts in the daily life of the farm workers and increasing the economic activities. Therefore, it can be said that the farm workers at Sugio, Lamongan are prosperous based on Asy-Syatibi’s perspective.REFFERENCEEva Banowati dan Sriyanto. (2013). Geografi pertanian. Yogyakarta: Penerbit Ombak.Hadi Prayitno dan Lincolin Arsyad. (1987). Petani desa dan kemiskinan. Yogyakarta: BPFE.Hasan Alwi, dkk. (2005). Kamus besar bahasa Indonesia. Jakarta: Balai Pustaka.Hasbullah Bakry. (1990). Pedoman Islam Indonesia, Cet. V. Jakarta: UI Press.Hendi Suhendi. (2014). Fiqh muamalah, Ed. 1, Cet. IX. Jakarta: Rajawali Pers.Jawad, Agus Muqhniyah. (2009). Fiqh Imam Ja’far As-Shadiq. Jakarta: Lentera.Luthfi Fatah. (2006). Dinamika pembangunan pertanian dan pedesaan, Banjarbaru, Jurusan Sosek Fakultas Pertanian Universitas Lambung Mangkurat: Pustaka Benua.M. Ali Hasan. (2003). Berbagai macam transaksi dalam Islam(fiqh muamalat), Ed. 1, Cet. I, Jakarta: PT Raja Grafindo Persada.M. Nejatullah Siddiqi. (2003). Partnership and profit sharing in islamic law, terj. Fakhriyah Mumtihani, Kemitraan usaha dan bagi hasil dalam hukum Islam, Ed. I, Cet. I. Jakarta: Dana Bhakti Yasa.Mardalis. (1990). Metologi penelitian suatu pendidikan proposal. Bandung: Bandar Maju.Mardani. (2012). Fiqh ekonomi Islam. Jakarta: Kencana.Moleong, Lexy J. (2002). Metodologi penelitian kualitatif. Bandung: Rosdakarya.Rawas Qal’aji, Muhammad. (1985). Mu‟jam lughat al-fuqaha. Beirut: Darun-Nafs.Rizal Darwis. (2016). Sistem bagi hasil pertanian pada masyarakat petani penggarap di kabupaten gorontalo perspektif hukum ekonomi Islam. Al-Mizan, 12(1), 1-15.Said Aqiel Sirajd. (2019). Fiqih berwawasan etika, diakses dari www.republka.co.idSayyid Sabiq. (1977). Fiqh sunnah. Beirut, Dar al-FikrShihab Quraish. (2001). Tafsir al-mishbah, pesan, kesan dan keserasian al-qur’an. Tangerang: Lentera Hati.Soetriono, dkk. (2006). Pengantar ilmu pertanian. Malang: Bayumedia Publising.Sugiyono. (2008). Metode penelitian kualitatif dan R&D. Bandung: Alfabeta.Suyatno. (2011). Dasar-dasar ilmu fiqh dan ushul fiqh. Jakarta: Kencana.Swasono. (2005). Indonesia dan doktrin kesejahteraan social. Jakarta: Prakarsa.Syafi’I Antonio, Muhammad. (1999). Bank syariah, suatu pengenalan umum, Cet. I.Jakarta: Dar Al-Ittiba’.Syaikh Syihab al-Din al-Qayubi dan Syaikh Umairah. (1985). Qalyubi wa umairah. Indonesia: Dar al-Ihya al-Kutub al-Arabiyah.Tuhana Taufik Andrianto. (2014). Pengantar ilmu pertanian: agraris, agrobisnis, dan argoteknologi. Yogyakarta: Global Pustaka Utama Yogyakarta.Usman Husaini. (2000). Metologi penelitian social. Jakarta: Bumi Aksara.
MOSQUE-BASED EMPOWERMENT THROUGH CORPORATE SOCIAL RESPONSIBILITY FUNDS (CASE STUDY OF UMMAD ACTION PROGRAM) Nurendahsari Gunawan; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp332-344

Abstract

This study aims to understand the implementation of mosque-based empowerment through CSR (Corporate Social Responsibility) funds in improving the economic benefit of the people around the mosque. This study uses a qualitative approach with an exploratory case study strategy. The object of this study is Ummad Action Program, which was initiated in 2017 by the Financial Services Authority (OJK). The results of this study are that each partner knows and agrees with the background, goals, and benchmarks of program success. However, each partner has not been optimal in carrying out their duties and responsibilities. Moreover, the success of the Ummad Action Program can be assessed in terms of the benefits felt by the congregation, including the category of success with several evaluations.Keywords: Empowerment, Corporate Social Responsibility, Mosque, Financial Services Authority (OJK).REFFERENCE Al-Quran dan Terjemahannya. (2015). Jakarta: Departemen Agama Republik Indonesia.Badan Pusat Statistik Kota Surabaya. Statistik Daerah Kota Surabaya (2018). Katalog: 1101002.3578 https://surabayakota.bps.go.id/publication/2018/10/29/d9795f386e95ea222325f428/statistik-daerah-kota-surabaya-2018.html Diakses pada 21 April 2019__________. Berita Resmi Statistik: Profil Kemiskinan di kota Surabaya tahun 2018.  https://surabayakota.bps.go.id/pressrelease/2018/12/26/119/profil-kemiskinan--di-kota-surabaya-tahun-2018.html Diakses pada 21 April 2019Erna, Setijaningrum. (2017). Program terpadu penanggulangan kemiskinan di Kota Surabaya. Masyarakat, Kebudayaan dan Politik, 30(1), 13-19.Hasyim, Sukarno L. (2016). Strategi masjid dalam pemberdayaan ekonomi umat. Jurnal Lentera, 14(2), 279-290.Hidayat, Abdul Rahman. (2013). Strategi pengembangan masjid sebagai baitul maal dalam pemberdayaan lingkungan masyarakat sekitar melalui program i-masjid ICMI pada yayasan masjid al muhajirin di Gresik. Tesis tidak diterbitkan. Surabaya: Program Pasca Sarjana Universitas Airlangga.Istan, Muhammad. (2017). Pengentasan kemiskinan melalui pemberdayaan  ekonomi umat menurut persfektif Islam. Al Falah: Journal of Islamic Economics, 2(1), 81-99.Muslim, Azis dan Ravik Karsidi. (2014). A mosque-based  economic empowerment model for urban poor comunity. International Jounal of Social Research, 2(2), 80-93.Sanrego, Yulizar D dan Moch Taufik. (2016). Fiqih tamkin (fiqih pemberdayaan) membangun modal sosial dalam mewujudkan khairu ummah. Edisi Pertama. Jakarta: Qisthi Press.Suryani, Husniyah dan Siti Inayatul Faizah. (2015). Peran masjid sebagai roda penggerak perekonomian masyarakat (penelitian deskriptif pada PKL di kawasan masjid Al-Akbar Surabaya). Jurnal Ekonomi Syariah Teori dan Terapan, 2(5), 387-399.Tim Pengembangan Keuangan Syariah Kantor OJK Regional 4 Jawa Timur. (2017). Handbook: Akses keuangan syariah untuk masyarakat mandiri berbasis masjid. Surabaya: Otoritas Jasa Keuangan (OJK).Yin, Robert K. (2015). Studi kasus design dan metode. Jakarta: Raja Grafindo Persada.