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MEKANISME PENANGGULANGAN PEMBIAYAAN BERMASALAH PADA AKAD MURABAHAH Mulyono Jamal; Ayu Ruqoyah
Islamic Economics Journal Vol. 2 No. 2 (2014)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.826 KB) | DOI: 10.21111/iej.v2i2.176

Abstract

The rise of Islamic economic has established the development of Islamic banking. This indicates that Islamic banking could be competitive with conventional banking. One difference between both banking systems is in lending operation. In conventional bank known as credit, while in Islamic bank known as financing. For certain, financing procedures in Islamic banking refer to Qur’an and Sunnah. Indeed, there are also defaults in its process, because the problems occured after the process. This research aims for knowing the factors which cause the default financing and its mechanism as performed by Bank Muamalat Indonesia (BMI) branch Sragen to solve it. To reach thus aims, the researcher uses field research with deductive explorative methods. The result from this research indicates that there are two factors which cause the default financing, internal factor and external factor. Internal factor is the factor from the customers, while the external factor is the factor from other than customers, ot because of universe. But the most imminent factor at BMI is internal factor, such as the late payment because of neglect. The mechanism runs by BMI branch Sragen is monthly data collection, monitoring and controlling, so that the financing at BMI branch Sragen chategorized as stable.
Analysis of Alternative Dispute Resolution in non-litigation dispute resolution on Islamic Mortgage: at the Ombudsman Institution Yogyakarta Mulyono Jamal; Akhmad Afandi Mahfudz; Syamsuri Syamsuri; Resi Handayani
TSAQAFAH Vol. 17 No. 1 (2021): Islamic Education
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v17i1.6760

Abstract

Limited information, experience, and very low economic conditions are the background of business dispute cases, especially in Islamic mortgages. Business dispute cases, including Islamic mortgage, have so far been resolved using non-litigation settlements using Alternative Dispute Resolution (ADR), it is considered easier, does not incur expensive costs, is familial, and achieves the goal of dispute resolution, namely win-win solutions. Settlement of disputes using this method has been regulated in Law Number 30 of 1999 concerning arbitration and alternative dispute resolution. In this case, the Yogyakarta Ombudsman as one of the non-litigation institutions also takes part in resolving disputes non-litigation. This study aims to analyze the method used, namely alternative dispute resolution in resolving disputes over sharia mortgage loans. Finally, this research finds that in the process of resolving disputes over sharia mortgages with alternative dispute resolution, the method of consultation, negotiation, mediation, and expert judgment is used. The alternative dispute resolution method prioritizes peace and a win-win solution or conditions that are favorable to the parties, but in this case, the non-litigation dispute resolution method does not succeed in bringing about peace or a win-win solution.
Tanmiyah Waqf al-Manāfi min Ajl al-Istiqlāliyah fī Majāli al-Iqtiṣād: Dirāsah fī Ma’had Tazakkā al-‘Aṣrī Mulyono Jamal; Mohammad Hanief Sirajulhuda; Muhammad Aunurrochim Mas'ad Saleh; Khurun'in Zahro'
Al-Ahkam Vol 33, No 1 (2023): April
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ahkam.2023.33.1.13586

Abstract

The excellent potential of benefit waqf has not been fully realized since nāẓir or the community failed to develop a strategy and did not innovate enough on the advantages of waqf and its administration. One of the successful principals in administering benefits waqf is the Tazakka Modern Boarding School with its innovation and programs on endowment benefits. This study intends to identify the benefit waqf development approach for Tazakka Modern Boarding School for economic independence. With a descriptive strategy, this study employs a qualitative methodology. The results of this study demonstrate that the development of benefit waqf in Tazakka is advantageous for economic independence with three distinct benefit waqf categories. So, for future researchers to be able to discuss professional nāẓir with good management and strategy, to maximize the potential and role of beneficial waqf in improving the economy and people's welfare.
IMPLEMENTASI SHARIA COMPLIANCE PADA PROGAM PENSIUN DENGAN AKAD WAKALAH BIL UJRAH DI BANK MUAMALAT MAGELANG Mulyono Jamal; Muhamad Arief Al Hakim; Wahyudi Bakri
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 7 No. 1 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v7i1.10126

Abstract

Penelitian ini bertujuan untuk mengetahui penerapan sharia compliance dalam pelaksanaan program pensiun dengan Akad Wakalah Bil Ujrah di Bank Muamalat cabang Magelang. Untuk mencapai tujuan pembahasan di atas, penelitian ini menggunakan penelitian deskriptif kualitatif. Untuk memperoleh data implementasi kepatuhan Syariah dalam pelaksanaan program pensiun akad Wakalah Bil Ujrah di Bank Muamalat cabang Magelang, peneliti menggunakan metode wawancara dan dokumentasi, serta observasi dari stakeholders. Hasil penelitian ini menunjukkan bahwa pelaksanaan program pensiun dengan akad Wakalah Bil Ujrah di Bank Muamalat telah sesuai dengan syariah, yaitu tunduk pada Fatwa DSNMUI No. 88/DSUI/XI/2013 tentang Penyelenggaraan Program Pensiun.Kata Kunci: Sharia Compliance; Program Pensiun; Wakalah Bil Ujrah
إدارة الوقف الزراعي لمعهد دار السلام كونتور بعقد الإجارة والمزارعة على تحليل سواوت: The Management of Waqf Fields at Pondok Modern Darussalam Gontor (PMDG) Based on Ijarah and Muzara’ah Contract: SWOT Analysis Mulyono Jamal; Hendri Setiyo Wibowo; Khurun'in Zahro'; Eko Nur Cahyo
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 1 (2025): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i1.2617

Abstract

Efforts to manage agricultural waqf lands are the right step towards increasing the productivity of waqf lands. This study aims to determine the management of the agricultural waqf of the Universitas Darussalam Gontor through lease and sharecropping contracts. This is a qualitative field study conducted at the Universitas Darussalam Gontor, Indonesia. In collecting data, the researcher used observation, interviews, and documents, which were then analyzed using the SWOT approach. The results of this study show that the agricultural endowment management of the Universitas Darussalam Gontor through lease contracts is located in the areas of Fonoroko, Madiun, Kediri, Nganjuk, and Jember, while its management through sharecropping contracts is located in the Mantingan area. The management of agricultural endowments through lease and sharecropping contracts for the Universitas Darussalam Gontor helps the community's economy and welfare because the price of agricultural endowment leases is lower than other agricultural prices.
Advancing Governance Innovation in Zakat Institutions: A Good Corporate Governance Model for Improving Compliance and Social Impact at LAZISMU, Indonesia Khoirul Umam; Mulyono Jamal; Khurun'in Zahro'; Nabilla Rahmani
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3612

Abstract

Zakat has great potential if managed professionally. However, there are still many zakat institutions that have not been optimal in their management, so that good governance is needed, one of which is the principle of Good Corporate Governance (GCG). The purpose of this research is to find out how the management of zakat funds in the Amil Zakat Muhammadiyah Yogyakarta Special Region (LAZISMU DIY) in Indonesia is based on GCG principles. This research uses a descriptive qualitative method to deepen understanding of the practice of applying the principles of Good Corporate Governance (GCG) in the management of zakat funds at LAZISMU DIY. In collecting data, researchers used the triangulation method and analysed it using the inductive-deductive method to analyse the extent to which the management of zakat funds in LAZISMU DIY is based on GCG principles. The results of this study indicate that the management of zakat funds in LAZISMU DIY has been in accordance with sharia provisions and GCG principles. This is evidenced by the publication of activities and financial reports of the institution in the mass media (transparency); pay attention to the interests of all stakeholders (accountability); comply with applicable regulations (responsibility); no interference from other institutions and fairness (independence); refers to fair treatment of all company stakeholders (justice). Thus, the management of zakat funds in LAZISMU DIY has been in accordance with GCG principles and provides benefits to the community, especially mustahik. Researchers suggest that zakat institutions synergise more to increase public awareness of giving zakat.