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Model Pengembangan Lembaga Keuangan Mikro Desa Berbasis Local Wisdom Imron Rosyadi; Fatchan Ahyani
Prosiding University Research Colloquium Proceeding of The 10th University Research Colloquium 2019: Bidang Sosial Ekonomi dan Psikologi
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (693.974 KB)

Tujuan yang dicapai penelitian pada tahun ke-dua adalahmerumuskan dan menyusun model pengembangan lembagakeuangan mikro desa berbasis kearifan lokal (local wisdom)sebagai upaya penguatan ekonomi masyarakat pedesaan di daerahpenelitian. Berdasarkan tujuan tersebut target khusus yang ingindicapai dalam penelitian ini adalah mendesain eksistensi LembagaKeuangan Mikro Desa (LKMD) berbasis kearifan lokal yang sudahdipraktikkan selama bertahun-tahun dan mengakar di entitasmasyarakat pedesaan, yakni tradisi bagi hasil (maro) antarapemilik modal (tanah dan input yang lain) dengan petanipenggarap. Secara spirit ada kemiripan antara maro itu denganskim/akad mudharabah/musyarakah dalam konsep lembagakeuangan Islam. Sehingga dalam konteks itu diperlukanpelembagaan maro dalam LKMD, yang berperan ganda danstrategis yaitu sebagai penyanggah (buffer stock) dan ataupengelola cadangan pangan dalam rangka memberikan kemudahanakses pangan kepada masyarakat kurang mampu (aspek sosial) danmemberikan kemudahan akses permodalan bagi rumah tanggapetani (aspek bisnis). Jenis penelitian ini merupakan deskriptifanalitis, yaitu menggambarkan dan atau mendefinisikanketerlibatan dan peran strategis pemerintah desa dalampengentasan kemiskinan. Subjek penelitian ini adalah pemerintahdan masyarakat (petani) di daerah penelitian. Data yangdiperlukan untuk mencapai tujuan penelitian ini adalah dataprimer dan data sekunder yang diperoleh dengan metode observasi,wawancara secara mendalam, dan penelusuran terhadapdokumentasi pemerintahan desa. Penelitian ini merupakan hasilpengembangan penelitian tahun pertama, yaitu merumuskan modelpengembangan lembaga keuangan mikro desa berbasis kearifanlokal (local wisdom) sebagai upaya penguatan ekonomi masyarakatpedesaan, dengan menggunakan metode focus group discussion(GFD), kritis analitik dan interaktif

تطبيق المقاصد الشرعية في القوانين الإندونيسية للاحتكار الدراسة المقاصدية Muhammad Maulana Iqbal Husein; Imron Rosyadi; Muchammad Ichsan
Al-Majaalis : Jurnal Dirasat Islamiyah Vol 10 No 1 (2022): AL-MAJAALIS : JURNAL DIRASAT ISLAMIYAH
Publisher : Sekolah Tinggi Dirasat Islamiyah Imam Syafi'i Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37397/almajaalis.v10i1.195

تهدف الدراسة معرفة إلى تطبيق المقاصد الشرعية في القوانين الإندونيسية للاحتكار من خلال دراسة القانون الإندونيسي رقم 5 لسنة 1999و القانون الإندونيسي رقم 7 لسنة 2014 و المرسوم الرئاسي رقم 71 لسنة 2015 يرجو الباحث أن تكون هذه الدراسة لها فوائد كثيرة وذات أهمية كبيرة نظرية كانت أو عملية تشارك في التقدم العلمي الإسلامي، تعتمد هذه الدراسة منهج البحث المكتبي الوصفي التحليلي الاستقرائي. وأما المصادر البيانات الأولية مأخوذة من كتاب القانون الإندونيسي خاصة ما يتعلق بالاحتكار وكذالك يرجع الباحث إلى كتاب المقاصد الشرعية لمحمد الطاهر ابن عاشور، وقد لاحت نتائج الدراسة أن القوانين الإندونيسي التي تبين الممارسة الاحتكارية أن كلها مطبقة عليها المقاصد الشرعية خاصة في المقصد الشرعي في حفظ المال وحفظ النفس

Islamic Solution on the Agricultural Land Leasing Problem: Case of Excessive Time Dispute Imron Rosyadi; Fauzul Hanif Noor Athief; Darlin Rizki
Jurnal Ilmiah Al-Syir'ah Vol 20, No 2 (2022)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v20i2.1679

The practice of leasing farmland does not always run smoothly. One of the obstacles that are often faced is the excess of rental time by tenant farmers because the plants have not yet entered the harvest period when the rental period ends. On the other hand, the land owner does not want to lose the profit that can be obtained from the duration of the excess lease. This study aims to find alternative solutions to disputes over lease contracts (ijarah). This research is a field research that is used to answer questions related to the process of implementing the practice of leasing agricultural land, the impact of excess rent for owners and tenants, as well as a contract model that can be a solution to conflicts over time in the practice of leasing agricultural land. The data was collected through interviews, the results of which were analyzed using descriptive methods, then conclusions were obtained through an inductive mindset. The data resource comes from Kalikotes, Klaten Regency. This study concludes that the beginning of the lease agreement does not conflict with Islamic law because it has been mutually agreed between the two parties, but at the end of the lease process there is a contract discrepancy. The land owner immediately asks the tenant for compensation for the excess time. The non-compliance with the agreement made by the tenant was caused by things that were completely unpredictable, where the lease period had expired but the rice could not be harvested. Both parties can resolve this conflict in a win-win manner by making a contractnew ijarah or changing the form of the contract at the beginning by using the number of harvests, not the tempo of the year.

Performance Management in Improving Competitive Advantage at School Rio Estetika; Imron Rosyadi; Muh. Nur Rochim Maksum
At-Ta'dib Vol 17, No 2 (2022): Islamic Education and Its Methods
Publisher : Fakultas Tarbiyah, Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at-tadib.v17i2.7847

The problem of performance management in Islamic educational institutions is still often carried out for only periodic formal assessments for promotion/position. The fantastic number of Muhammadiyah educational institutions, in fact, does not necessarily show their competitive advantage as a whole. Muhammadiyah schools in the outskirts of Wonogiri district (rural areas) are often judged for their management from the road, labeled as discarded schools, unable to compete with public schools, and being underestimated by the community. Muhammadiyah educational institutions are expected to be able to get out of this situation by building a competitive advantage that can be achieved through proper performance management, in line with opportunities and the surrounding environment. Research at SD Muhammadiyah (PK) Pracimantoro and SD Muhammadiyah Inovatif Baturetno, aims to obtain a description based on field facts about planning, implementing, and evaluating performance management in achieving competitive advantage. This field research uses a qualitative approach by emphasizing the analysis of descriptive data in the form of written and spoken words and pictures. The data in this study were collected through interviews and documentation methods. Data analysis was carried out using the inductive method through several steps, namely: data collection accompanied by data reduction, presenting data in the form of narratives and descriptions, then drawing conclusions. The results of this study are performance management in achieving competitive advantage at SD Muhammadiyah PK Pracimantoro and SD Muhammadiyah Innovative Baturetno, carried out in three stages. First, planning includes: goal setting, recruitment of teachers and education personnel, performance agreements. Second, implementation. At the implementation stage of performance management contains several activities, namely: coaching discipline, motivation, competency development, and awards. Third, performance evaluationtaken by two approaches, namely formal and informal. This process is carried out in order to realize school excellence that focuses on educational aspects, including: (1) Location; (2) Value excellence, which includes: curriculum, educational services, teaching staff, infrastructure, educational programs, and graduate achievements.

Performance Management in Improving Competitive Advantage at School Rio Estetika; Imron Rosyadi; Muh. Nur Rochim Maksum
At-Ta'dib Vol. 17 No. 2 (2022): Islamic Education and Its Methods
Publisher : Fakultas Tarbiyah, Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at-tadib.v17i2.7847

The problem of performance management in Islamic educational institutions is still often carried out for only periodic formal assessments for promotion/position. The fantastic number of Muhammadiyah educational institutions, in fact, does not necessarily show their competitive advantage as a whole. Muhammadiyah schools in the outskirts of Wonogiri district (rural areas) are often judged for their management from the road, labeled as discarded schools, unable to compete with public schools, and being underestimated by the community. Muhammadiyah educational institutions are expected to be able to get out of this situation by building a competitive advantage that can be achieved through proper performance management, in line with opportunities and the surrounding environment. Research at SD Muhammadiyah (PK) Pracimantoro and SD Muhammadiyah Inovatif Baturetno, aims to obtain a description based on field facts about planning, implementing, and evaluating performance management in achieving competitive advantage. This field research uses a qualitative approach by emphasizing the analysis of descriptive data in the form of written and spoken words and pictures. The data in this study were collected through interviews and documentation methods. Data analysis was carried out using the inductive method through several steps, namely: data collection accompanied by data reduction, presenting data in the form of narratives and descriptions, then drawing conclusions. The results of this study are performance management in achieving competitive advantage at SD Muhammadiyah PK Pracimantoro and SD Muhammadiyah Innovative Baturetno, carried out in three stages. First, planning includes: goal setting, recruitment of teachers and education personnel, performance agreements. Second, implementation. At the implementation stage of performance management contains several activities, namely: coaching discipline, motivation, competency development, and awards. Third, performance evaluationtaken by two approaches, namely formal and informal. This process is carried out in order to realize school excellence that focuses on educational aspects, including: (1) Location; (2) Value excellence, which includes: curriculum, educational services, teaching staff, infrastructure, educational programs, and graduate achievements.

نظرية عقد بيع وشراء الذهب عبر البرنامج الإلكتروني في حكم الاقتصاد الإسلامي Nabilah Al Azizah; Imron Rosyadi; Muthoifin
Risalah, Jurnal Pendidikan dan Studi Islam Vol. 9 No. 2 (2023)
Publisher : Fakultas Agama Islam Universitas Wiralodra Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/jurnal_risalah.v9i2.438

الهدف من هذا البحث هو معرفة عقد بيع وشراء الذهب عبر البرنامج الإلكتروني من منظور حكم الإقتصاد الإسلامي, وتتكون منحجية البحث في هذا البحث من فراديقما (طريقة التفكير) البحث ففراديقما التي أختر لهذا البحث هي البحث الكيفي ويركز البحث الكيفي على دراسة العلمية باستخدام التحليل القياسي وقامت الدراسة هذا البحث حسب مجال البحث وهو البحث التعليمي والديني والاقتصادي والمدخل هو المدخل الدلالي, استهدم هذا المدخل في هذا البحث لدراسة تراكيب اللغة, ومعان الألفاظ, وسياق الكلمات في النص, فنتائج البحث أن عملية بيع وشراء الذهب مشروعة والذهب نوع من الأموال الريوية المنصوص سنة, وأن علة الذهب هي ثمنية فحيث وجدت علة الثمنية فتحققت الربا, فمبادلة الذهب بالنوقد مبادلة مال من حنس مختلفان فيشترط التقابض في مجلس واحد. وعقود المستخدمة في عملية بيع وشراء الذهب عبر برامج الإلكترونية لم يجهز التقابض عبد مجلس واحد كعقد السلم وعقد الإجارة وهذان عقدان لا يشرع لمبادلة الذهب بنقود. والبحث يهدف المعرفة الصحيحة والفهم المستقم من قضية بيع وشراء الذهب و معرفة العقود الصحيحة لبيع وشراء الذهب عبر البرامج الإلكترونية من منظور حكم الاقتصاد الإسلامي.

The Effect of Profitability, Leverage, and Liquidity on Company Value Rafli Irham Al-fafa Suharto; Imron Rosyadi
Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak Vol. 7 No. 2 (2023): July 2023
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/assets.v7i2.1071

The study aims to analyze the effect of profitability, leverage, and liquidity on firm value, a case study of manufacturing companies listed on the Indonesia Stock Exchange. This research method is quantitative. This research approach is quantitative because the data used comes from the financial statements of manufacturing companies listed on the Indonesia Stock Exchange in 2017-2021 whose data contains a number of numbers or numbers. Purposive sampling was used in the sampling technique. The data analysis used is the classical assumption test, multiple linear regression analysis, determination test, and partial hypothesis testing with the T-test and simultaneously with the test. The results and discussion of the research are profitability ratios, liquidity has a negative and insignificant effect on firm value. The leverage ratio has a positive and significant effect on firm value. Profitability, leverage, and liquidity ratios together have a positive and significant effect on firm value. The conclusion of this study is that there is a significant effect of profitability, leverage, and liquidity ratios on the value of manufacturing companies listed on the IDX.

PENGARUH PERCEIVED EASE OF USE, PERCEIVED USEFULNESS DAN KUALITAS PELAYANAN TERHADAP KEPUASAN PENGGUNA GOJEK Muliawan Hendarto Kusumo; Imron Rosyadi
Jurnal Manajemen Dirgantara Vol 16 No 1 (2023): Jurnal Manajemen Dirgantara, Juli 2023
Publisher : Sekolah Tinggi Teknologi Kedirgantaraan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56521/manajemen-dirgantara.v16i1.876

Salah satu transportasi online yang ada di indonesia yaitu Gojek. Layanan transportasi berbasis aplikasi mampu memenuhi kebutuhan masyarakat dalam hal kualitas maupun fasilitas transportasi, dengan penggunanya yang relatif mudah hanya dengan menggunakan ponsel, maka wajar apabila permintaan akan transportasi online meningkat, sehingga penyedia jasa berorientasi pada kepuasan konsumen. Tujuan penelitian ini ialah menganalisis pengaruh perceived ease of use, perceived usefulness dan kualitas pelayanan terhadap kepuasan pengguna gojek. Metode penelitian ini kuantitatif, Jenis penelitian ini merupakan penelitian lapangan (field research). Data primer penelitian ini data diperoleh secara langsung dari konsumen melalui kuesioner tentang variabel penelitian perceived ease of use, perceived usefulness dan kualitas pelayanan pengguna Gojek di Surakarta. Populasi dalam penelitian ini adalah pengguna transportasi online Gojek di Surakarta yang jumlahnya tidak diketahui. Sampel penelitian ini diambil sebanyak 100 responden. Teknik pengambilan sampel penelitian ini ialah purposive sampling. Metode pengumpulan data yang digunakan dalam penelitian ini adalah dengan penyebaran kuesioner. Analisis data yang digunakan dalam penelitian ini menggunakan aplikasi SPSS. Hasil penelitian ini ialah perceived ease of use tidak berpengaruh signifikan terhadap kepuasan pengguna Gojek di Surakarta. Perceived usefulness berpengaruh signifikan terhadap kepuasan pengguna Gojek di Surakarta. Kualitas pelayanan berpengaruh signifikan terhadap kepuasan pengguna Gojek di Surakarta.

Implementation And Effectiveness of Copyright In Law No. 28 of 2014 And MUI Fatwa No. 5 of 2005 Aminudin Ma'ruf; Muhammad Faisal Hamdi; Rashifahunnisa' Mellinia; Imron Rosyadi
al-Afkar, Journal For Islamic Studies Vol. 6 No. 3 (2023)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v6i3.462

The development of Islamic literacy in Indonesia shows the capability of the nation in competing with other Muslim nations. However, copyright is often neglected by many parties. The study aims to assess the implementation and effectiveness of the copyright in law No. 24 of 2014 and MUI Fatwa No. 5 of 2005. A qualitative methodology has been conducted with the approach of literature and field study. The data was obtained through interviews and observations with 3 academic authors and 9 non-academic authors. The results of the study indicate that the majority of the academic authors argue that there is a lack of enforcement and impact in the law and fatwa. Similarly, the other authors carry the same opinion with some highlights on its effectiveness. The paper suggests that policymakers intensify the implementation and effectiveness of copyright law and fatwa in Indonesia. The enforcement of the law and fatwa will lead to the prosperity of authors and lead to a knowledgeable society. The study keenly expects future studies in the field to cover more samples with different methodologies.

Transformasi digital BMT Surya Madani: Integrasi e-banking dan financial technology menuju implementasi open loop LKMS 2025 Isman Isman; Syamsul Hidayat; Noto Narwanto; Imron Rosyadi; Muthoifin Muthoifin; Setiawan Budi Utomo
BEMAS: Jurnal Bermasyarakat Vol 5 No 1 (2024): BEMAS: Jurnal Bermasyarakat
Publisher : LPPMPK-Sekolah Tinggi Teknologi Muhammadiyah Cileungsi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37373/bemas.v5i1.1119

Pelaksanaan pengabdian masyarakat adalah peningkatan kapasitas kelembagaan mitra yakni BMT Surya Madani, Ngemplak Boyolali untuk merespon implementasi kebijakan open loop bagi Lembaga Keuangan Mikro syariah yang berbadan hukum koperasi. Peningkatan kapasitas kelembagaan ini dilakukan dengan mendesain instalasi layanan e-banking dan financial technology. Kebijakan open loop menghadirkan tantangan signifikan terutama tuntutan kesesuaian antara regulasi dan praktik operasional. Dengan kegiatan pengabdian masyarakat ini, BMT Surya Madani dapat mengadopsi strategi integrasi berbasis teknologi dengan memperkuat literasi dan infrastruktur layanan e-banking. Hasil pengabdian menunjukkan perubahan signifikan yakni pasca kegiatan FGD BMT Surya Madani berhasil menyusun action plan transformasi dari close loop ke open loop dengan meningkatkan literasi dan menyebarkan informasi efektif melalui FGD. Roadmap ini memungkinkan identifikasi isu-isu operasional dan membuka peluang kreatif serta tanggapan proaktif terhadap tantangan yang muncul. Pelaksanaan pengabdian juga berhasil meningkatkan efisiensi lembaga melalui digitalisasi sistem informasi nasabah dan kearsipan, yang pada gilirannya mengarah pada pengurangan biaya operasional dan peningkatan daya saing BMT Surya Madani di pasar perbankan

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