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Analisis Lembaga Keuangan Syari’ah Di Indonesia Abdul Mujib
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 1 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v7i2.22806

Abstract

Penelitian ini bertujuan untuk memahami kelembagaan keuangan Syariah di Indonesia. Metode pengumpulan data yang diterapkan adalah metode dokumentasi, di mana dokumen yang digunakan merupakan catatan kejadian yang telah terjadi. Metode dokumentasi ini memungkinkan pengumpulan data melalui observasi langsung terhadap kelembagaan keuangan Syariah di Indonesia. Temuan dari penelitian ini menunjukkan bahwa lembaga keuangan Syariah berfungsi sebagai tempat bagi Rasulullah membangun Baitulmal, yang digunakan untuk menyimpan kekayaan negara dan mengatur pemasukan serta pengeluaran guna menghindari kecurangan. Menurut Undang-Undang Perbankan Syariah Indonesia, tepatnya pada Pasal 1 No. 21 Tahun 2008, bank dipahami sebagai entitas usaha yang mengumpulkan dan menyalurkan dana dari dan kepada masyarakat melalui pembiayaan kredit, dengan tujuan membantu perekonomian masyarakat yang membutuhkan. Kata Kunci: Lembaga Keuangan Syariah, Perbankan SYariah
Strategi Pemasaran Produk Gadai Emas Syariah Abdul Mujib
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7 No 4 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v7i4.22807

Abstract

Abstrak Artikel ini membahas strategi pemasaran produk gadai emas syariah dengan fokus pada empat aspek utama: memahami pasar dan segmentasi yang tepat, edukasi dan sosialisasi, penawaran produk yang kompetitif, dan pemanfaatan teknologi. Memahami pasar dan melakukan segmentasi yang tepat merupakan langkah awal dalam merancang strategi yang efektif, dengan analisis demografis, psikografis, dan perilaku nasabah sebagai dasar utama. Edukasi dan sosialisasi ditujukan untuk meningkatkan pemahaman dan kepercayaan masyarakat terhadap gadai emas syariah melalui berbagai media, termasuk digital dan kolaborasi dengan lembaga pendidikan serta keagamaan. Penawaran produk yang kompetitif mencakup penetapan margin keuntungan yang wajar, prosedur yang mudah dan cepat, layanan yang transparan, dan variasi produk yang fleksibel untuk memenuhi kebutuhan nasabah. Pemanfaatan teknologi mencakup pengembangan platform digital, otomatisasi proses, pemasaran digital, analisis data, keamanan digital, layanan pelanggan digital, dan inovasi produk. Dengan menerapkan strategi-strategi tersebut, lembaga keuangan syariah dapat meningkatkan daya saing dan memperluas jangkauan produk gadai emas syariah, serta memenuhi kebutuhan nasabah dengan lebih efektif dan efisien.
Analisis Rekstrukturisasi Pembiayaan KPR pada Masa Pandemi Covid 19 Abdul Mujib
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.22839

Abstract

Abstract Pada awal pertengahan bulan Maret 2020, hampir seluruh dunia menghadapi pandemi Covid-19. Dampak pandemi ini terhadap ekonomi global diperkirakan akan menyebabkan perlambatan, yang mengakibatkan perekonomian Indonesia juga mengalami penurunan. Dasar hukum untuk restrukturisasi pembiayaan diatur dalam Peraturan Bank Indonesia Nomor 13/9/PBI/2011 Tanggal 8 Februari 2011 tentang perubahan atas Peraturan Bank Indonesia No. 10/18/PBI/2008 mengenai Restrukturisasi Pembiayaan untuk Bank Syariah dan Unit Usaha Syariah. Dalam pasal 1 ayat 7, disebutkan bahwa Restrukturisasi Pembiayaan adalah upaya yang dilakukan oleh bank untuk membantu nasabah menyelesaikan kewajibannya. Restrukturisasi KPR adalah program dari bank yang bertujuan untuk membantu para debitur dengan meringankan cicilan. Beberapa nasabah mengalami kesulitan membayar angsuran sehingga sering kali terjadi kredit macet. Metode penelitian yang digunakan adalah Library Research dengan hasil bahwa Pembiayaan KPR merupakan salah satu produk yang memudahkan masyarakat dalam memiliki rumah impian.
Peran Manajemen Sumber Daya Manusia dalam Meningkatkan Kualitas Pendidikan Islam: Kajian Pustaka Jamalulel, Habib Alwi; Firdaus, Dede Ridho; Nugraha, Enung; Mujib, Abdul
AL-MIKRAJ Jurnal Studi Islam dan Humaniora Vol. 5 No. 01 (2024): Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v5i01.6340

Abstract

The significance of human resource management (HR) in raising the standard of Islamic education is examined in this study of the literature. This study identifies important HR practices like professional development, performance management, planning techniques, and efficient hiring that support educational advancement by looking at a variety of scientific sources. These results demonstrate that an effective HR framework raises the general level of education in Islamic institutions by promoting a favorable learning environment and assisting educators' professional development. This study emphasizes how crucial HRM is as a tactical instrument for achieving high-quality education within the framework of Islamic principles.
Design of 30 A PWM Type Solar Charge Controller Module for 100 Watt Lamp Load Imaduddin, Ilmir Rizki; Basri, Muhammad Hasan; Mujib, Abdul; Rahman, Moh. Taufiqur; Khairudin, Ahmad Vardin; Eka, Sefri Aditya; Husen, Moh.; Fatoni, Isbet
Journal of Electrical Engineering and Computer (JEECOM) Vol 6, No 2 (2024)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jeecom.v6i2.9659

Abstract

The electrical energy produced by solar panels has been used as a renewable energy solution to support human life. In reality, this alternative energy has not been widely used due to the constraints of expensive initial investment, so it is necessary to design solar power generation components, one of which is a reliable, optimal, efficient and economical solar charge controller. The controller is made using the switching method. The switching process can occur by setting the duty cycle through the embedded controller in the solar charge controller circuit. Based on the test results, a duty cycle value of 1% to 100% can occur the switching process. The duty cycle that has been set on the solar charge controller is 90%. The duty cycle is a duty cycle where the output voltage approaches the setpoint of the minimum charger voltage. The input voltage from the solar panel when connected to the battery of ±16 volts can be regulated to ±14 volts by the solar charge controller. Based on the battery charging specifications, the controller output can be used to charge a 12 volt battery.
Intuition in Islamic and Contemporary Psychology Aqil, Rihab Said; Mujib, Abdul
JURNAL INDO-ISLAMIKA Vol. 12 No. 1: (2022)
Publisher : Graduate School of UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jii.v12i1.24693

Abstract

In the last two decades, the theme of intuition has increasingly attracted the attention of academics, including psychologists. The increasing interest of psychologists in intuition is because the process of judgment and decision-making within individuals often occurs outside of their conscious thinking. This happens when individuals face uncertain situations, time pressure, and complex, ambiguous, and even strange problems. Intuition is the capacity of the human soul to know or understand a matter automatically, effortless, and affectively without rational processes. Intuition in psychological studies is based on experiences and knowledge accumulated from the past and stored in memory. In contrast to the Islamic perspective, intuition (divine) is based on the experience of spiritual disclosure coming from divine gifts. This study uses a psychological approach with descriptive comparative analysis techniques to discuss intuition, its mechanisms and development, originating from two perspectives: Islam and contemporary psychology. This study constructs five types of intuition where spiritual intuition occupies the highest position, followed by moral, creative, expertise, and social intuition. 
Islam and Eco-Spirituality of the Merapi Society Khoiriyah, Amri; Mujib, Abdul; Lubis, Sopian; Alamri, Mohammed Saeed A.
JURNAL INDO-ISLAMIKA Vol. 14 No. 1 (2024)
Publisher : Graduate School of UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jii.v14i1.39866

Abstract

This study aims to prove that environmental balance results from an equal dialogue between humans and nature in the divine frame. In addition, the study will analyze how Islamic spirituality is integrated into the spiritual ecology of the Merapi community, which involves elements of God, nature, and humans in the context of environmental balance. This research is qualitative, using a grounded research method. This research mainly uses an ecological approach that includes anthropological aspects. The main source is data on the ecological wisdom of the Merapi people. Secondary sources are books, journals, and manuscripts on themes relevant to the research discussion. Collecting data through interviews, observations, and documentation. The findings are that spiritual ecology, manifested in the Merapi people's ecological wisdom, has a relationship with environmental balance. In a review of the spiritual ecology of the Merapi community, it can be stated that the more dominant the spiritual aspect of humans is, the more straight their life behavior is, lurus, leres, and laras. Several aspects interact with each other in the spiritual ecology of the Merapi community: Islamic spirituality, ecology, and local wisdom.
The Urgency of Teacher Personality Competence in Modern Education Rifaudin, Ahmad; Mujib, Abdul; Nugraha, Enung
Electronic Journal of Education, Social Economics and Technology Vol 5, No 2 (2024)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v5i2.269

Abstract

Teacher personality competence in modern education plays a very important role in supporting the quality of learning and holistic student development. This study aims to examine the urgency of teacher personality competence in education today, especially in facing the challenges of an increasingly complex learning environment. The method used in this research is a literature study, with in-depth analysis of various relevant sources regarding the role of teacher personality in education. The results show that personality competence, which includes emotional intelligence, effective communication, and adaptability, is very influential in creating harmonious relationships between teachers and students. Teachers with good personality competence are able to create an environment that supports an effective teaching and learning process and shapes good student character. Therefore, developing teachers' personality competencies needs to be a priority in efforts to improve the quality of education. This research provides important insights into how teachers' personality competencies can enhance students' learning experiences and shape them into individuals who are ready to face future challenges.
PRAKTEK PEMBIAYAAN MUDHARABAH BERTINGKAT PADA BANK SYARIAH Romdhani, Nizar Zikri; Mujib, Abdul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12464

Abstract

This article is library research with research data sources sourced from primary and secondary sources. Primary data sources in the form of the Qur'an, hadith, laws, Fatwa DSN MUI, and others. While the secondary sources are fiqh books, books, journals, websites, and others. The data analysis method used is a qualitative-descriptive analysis method. The description of the data is divided into several stages, namely: Islamic banks in Indonesia, mudharabah in the perspective of fiqh muamalah, and the practice of financing mudharabah multilevel in Syariah Public Banks. Syariah Public Banks is an Islamic bank that in its activities provides services in payment traffic. Deposits in Sharia banks are investment funds based on mudarabah contracts or other.contracts that do not.conflict with Sharia principles. In practice, the fund manager (mudharib) invests money or repeats mudharabah, then there is a multilevel mudharabah contract which the fiqh scholars argue about its legal status, some allow it and some don't allow it. The research method is based on normative juridical and data collection methods that the authors use as a literature study. In this case, the Islamic bank is not only a mudharib, the Islamic bank is also a shahib al-mal. Based on the opinion of rajih among scholars, the law of conducting a multilevel mudharabah contract may be based on two considerations, namely urf considerations and the absolute concept of mudharabah.
EKSEKUSI JAMINAN DALAM PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH Awaliyah, Robi’ah; Mujib, Abdul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12746

Abstract

This article is a library research with research data sources sourced from primary and secondary sources. The primary data sources in this study are the Qur'an, hadith, laws, and fatwa. While the secondary sources are books, journals, theses, websites and others. The data analysis method used is a qualitative-descriptive analysis method. One of the financing contracts used by prospective customers to Islamic banks in meeting customer needs is murabahah. Murabahah is a term in Islamic jurisprudence which means a certain form of buying and selling when the seller states the cost of acquiring the goods, including the price of the goods and other costs incurred to obtain the goods, and the desired level of profit (margin). In supporting the continuity of the murabahah contract, Islamic banks need guarantees to minimize risk, for customers who break their promises. Efforts to resolve customer problems in murabahah financing are carried out in 2 (two) stages, namely rescue efforts and settlement efforts. The final solution if the customer has not been able to pay off the debt is by executing the collateral, either by taking over the collateral by the bank, selling it voluntarily or selling the collateral through auction.Keywords: Murabaha, Guarantee, execution
Co-Authors Abdul Rahman Shaleh Abdurrubi Perwiragama, Salman Adi Fadli Aep Kusnawan Afiffah, Anggi Dhea Afsan Nurrizki Ahmad Abroza Ai Badriah Airlangga, Dean Zulmi Akhmad Sodiq Alamri, Mohammed Saeed A. Alaqoh, Shofwatul Ali Sodiqin Amin, Rukhul Andri, Sri Anjarsari, Riana Annisa Anugrah, Yuli Dwi Yusrani Aqil, Rihab Said Arfan Mu’ammar, Muhammad Arrini Shabrina Anshor Arumsari, Nira Asep Iwan Setiawan, Asep Iwan Aspandi, Aspandi Atqiya, Syifaul Aulia Rihadatul Aisy, Tazkia Auvaizah, Navila Awaliyah, Robi’ah Azis, Ali Aziza Mutifani Hidayah Aznisya Ajeng Putri azzarqa, azzarqa Bahrul Ulum Bakri Agus Wijaya Bariki, Yusril Budi Murtini, Nurul Chaerul Firdaus, Muh. Nur Ridho Chairul Anam, Chairul Cholil, Mochamad Christy Wahyuni Erwinata Dara Fitrah Dwi Dede Rosyada Desi Safitri Dewi Sadiah, Dewi Dian Ayu Liana Dewi Didi Suryadi Dinda Yarshal Dira Salsabila Bilbina Dita Dwi Meilinda Eka, Sefri Aditya Elizatun, Elizatun Eris Harismasakti ETI KURNIAWATI Fadlilatul Munawaroh Fathurrohman, Asep Ahmad Fatoni, Isbet Firdaus, Dede Ridho Firmansyah Firmansyah Firmansyah Fitrah Dwi, Dara Fitri Rima Hidayati Fitria Ikhrimadhani Hafiz, Abdul Hanafi, Syafiq Mahmadah Hanifa, Nada Hapzi Ali Harahap, Sarah Khairani Hasanudin Hasratuddin Siregar Hendri Kurniawan, Hendri Herlena, Winceh Hermawan, Rico Hilal Badari Hopipah, Eva Nur Huda, M Thoriqul Huda, M. Ikhwanul Humaidi, Zuhri Hunainah Hunainah, Hunainah Husna, Tiflatul Ibad, Taqwa Nur Ida Umami Ika Rosyidatul Fauziyah Ilham Akbar Ilham Akbar Imaduddin, Ilmir Rizki Imas Maesaroh Iqbal Tsani, Muhamad Irfan Yuhadi Ismail, Nurmikyana Isna Isnan Nisa Nasution Izzah Fikroh Basyariyah Jamalulel, Habib Alwi Karimatul Khasanah, Karimatul Khairudin, Ahmad Vardin Khaissuledi Qawiy Khoiriyah, Amri Khoirurrijal Khoirurrijal Khoirurrijal Khoirurrijal, Khoirurrijal Kholis, Nur Kurniawan, Rizki Faiz Kusaeri Kusmastuti, Ines Prasheila Lestari, Retno Tri Lia Afriyanti Lilia Demupa Lisa Astriani Lisnawati, Depi Lubis, Aulia Chairani Lubis, Sofia Indriani Lubis, Sofia Indriani Lubis, Sopian M. Abzar Duraesa MADE PRAMONO Maharani, Mega Utami Makhrus Maripah, Maripah Masdariah, Een Masyhuri, Muhammad Mathelinea, Devi Maya, Iklilah Arum Mayla Cindy Carmeliasari Meilia br Hutapea, Chika Miftahul Zannah Moh. Husen, Moh. Moh. Iklil Albahij Moh. Jeweherul Kalamiah Muammar, M. Arfan Mubaidi Sulaeman Mubarak, Mubarak - Muhamad Fajri Muhammad Azkia Pasya Muhammad Hasan Basri Muhriji Mukayat Al-Amin Mukhtar Hadi Mulqiyah, Hilma Muna, Alfina Nailul Munif, Achmad Murniasih, Eri Mustika Ramadhani, Fahmi Nabila Salsabila Iswar Nabilah, Deva Nanang Asfufi Nasrudin, Muhamad Nasution, Alhafidh Nazriani Lubis Nikmatul Masruroh Nisa, Yunita Faela Novila, Sheila Novita, Dwi Nugraha, Enung Nugraha, Mizwar Luthfiansyah Nur, Fauzan Nurkholis Fahmi Nursalam Nurul Khikmah Nuzul Hidayah, Robiah Panani, Muh Jihan Perihandi Andi Putri Hajarusy Syar'i Putri, Ayu Septiana putri, Putri Wulandari Qomaria, Lailatul Rahma, Hilda Syifa Rahmah Mawadah, Atina Rahman, Moh. Taufiqur Rahmawati Rahmawati, Rahmawati Refy Ristika Rena, Syahidah Ridho, Hilmi Ridwan Rifaudin, Ahmad Rikil Amri Riswanto, Dodi Riswanto, Dody Romdhani, Nizar Zikri Ropingi el Ishaq, Ropingi RR. Ella Evrita Hestiandari rukhul amin Rustandi, Ridwan Safrida Napitupulu Salahuddin Asy-Syahid Salimah Nailulmuna, Syarifah Salsyabila, Nabila Satriah, Lilis - Sawitri, Utari Septiani, Intan Widiya Shaleh, Abdul Rahman Shobirin, Muhammad Shobirin Shochibah Istiqomah Sinta Sirajudin Sirajudin Siregar, Rama Nida Siswahyudianto Siti Fadilah Siti Sakinah, Siti Sufyani Prabawanto, Sufyani Sukma Inaya Sukma Inayah Sururin, Sururin Surya Darma Sutarini Suwarno Ariswoyo Suwenti, Reni Taher, Zahdi Tarihoran, Nafan Taufik Alamin Tohir, Abdul Illah Tsalis, Khodijah Nur Ubaidillah Ubaidillah Ulum, Misbahul Waddin, Moch Aufal Hadliq Khaiyyul Millati Wahyudinata, Davit Wibawa, Aditya Setiaji Winarto, Agus Edy Yulis Widhiastuti Yuslia Styawati, Yuslia Yuyun Yunita Zahdi Taher Zain, Sri Kurnia Zainal Abidin Zainal Muttaqin