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All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) Jurnal Ilmiah Ekonomi Islam JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series: Economics Studies Jurnal Riset Perbankan Syariah
Neng Dewi Himayasari
Fakultas Syariah, Universitas Islam Bandung
Religion Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Analisis Akad Mukhabarah pada Perkebunan Bunga di Desa Sukajaya Kecamatan Lembang Kabupaten Bandung Barat Annisa Nurul Fauziah; Zaini Abdul Malik; Neng Dewi Himayasari
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 1 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i1.11453

Abstract

Abstract. Islam emphasizes the importance of muamalah in accordance with the principles of sharia taught. One important aspect of muamalah is cooperation, which can be realized in various systems such as musyarakah, mudharabah, musaqah, muzara'ah, and mukhabarah. In this research, there is a phenomenon of cooperation in Sukajaya village, Lembang subdistrict, the production sharing cooperation system in flower plantations, which is better known as paro plantation, generally uses a cooperation agreement. However, even though this collaboration was carried out verbally, it did not fully meet the requirements for cooperation. The formulation of the research problem is what the concept of mukhabarah is in Islam, what is the practice of paro cooperation in flower plantations in Sukajaya Village, and how to analyze the mukhabarah agreement on the profit sharing system. This research uses a qualitative descriptive method with a normative approach that views religion in terms of its basic and original teachings from God in which there is no human reasoning. Data was collected through interviews and observations. The research results show that the practice carried out by the community in Sukajaya Village is a cooperation system with a mukhabarah agreement. However, in practice, this collaboration is not fully in accordance with the concept taught by Islam, because there are conditions that have not been fulfilled, such as the distribution of results that is not in accordance with the initial agreement and the lack of specific time limits by the parties. Apart from that, the contract was carried out orally without any written evidence. Thus, the cooperation carried out by the community is not fully in accordance with the mukhabarah or fasid agreement. Abstrak. Islam menekankan pentingnya bermuamalah sesuai dengan prinsip-prinsip syari'ah yang diajarkan. Salah satu aspek penting dalam muamalah adalah kerjasama, yang dapat diwujudkan dalam berbagai sistem seperti musyarakah, mudharabah, musaqah, muzara'ah, dan mukhabarah. Dalam penelitian ini terjadi fenomena kerjasama di desa Sukajaya kecamatan Lembang, sistem kerjasama bagi hasil dalam perkebunan bunga, yang lebih dikenal dengan istilah paro perkebun, umumnya menggunakan akad kerjasama. Namun, kerjasama ini meskipun dilakukan secara lisan, belum sepenuhnya memenuhi syarat kerjasama. Rumusan masalah penelitian ini adalah bagaimana konsep mukhabarah dalam Islam, bagaimana praktek kerjasama paro dalam perkebunan bunga di Desa Sukajaya, serta bagaimana analisis akad mukhabarah terhadap sistem bagi hasil tersebut. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan normatif yang memandang agama dari segi ajarannya yang pokok dan asli dari Tuhan yang di dalamnya belum terdapat penalaran pemikiran manusia. Data dikumpulkan melalui wawancara, observasi. Hasil penelitian menunjukkan bahwa praktik yang dilakukan masyarakat di Desa Sukajaya adalah sistem kerjasama dengan akad mukhabarah. Namun, dalam praktiknya, kerjasama ini belum sepenuhnya sesuai dengan konsep yang diajarkan oleh Islam, karena terdapat syarat-syarat yang belum terpenuhi seperti pembagian hasil yang tidak sesuai dengan perjanjian awal dan ketidakspesifikasian batas waktu oleh para pihak. Selain itu, akad dilakukan secara lisan tanpa adanya bukti tertulis. Dengan demikian, kerjasama yang dilakukan oleh masyarakat belum sepenuhnya sesuai dengan akad mukhabarah atau fasid.
Implementasi Akad Istishna terhadap Jual Beli Properti Syariah di PT Eshan Realty International Melani Nur Khuzaifah; Redi Hadiyanto; Neng Dewi Himayasari
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 1 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i1.12190

Abstract

Abstract. The sale and purchase of Sharia property with istishna' contracts is increasingly popular in Indonesia. The istishna' contract offers a solution for buyers who want to own property without usury and in accordance with Islamic law. However, there are several questions about the implementation of the istishna' contract in the sale and purchase of Sharia property, especially related to the compliance with Sharia economic law. This research aims to analyze the implementation of the istishna' contract in the sale and purchase of sharia property at PT Eshan Realty International Bandung. This research will also examine compliance with sharia economic law in the implementation of the istishna' contract in the company. This research uses a qualitative method with a case study approach. Data were collected through interviews with key informants at PT Eshan Realty International Bandung, observation, and documentation. The data were analyzed using normative-empirical analysis techniques. The results showed that PT Eshan Realty International Bandung has implemented the istishna' contract in the sale and purchase of sharia property. The implementation of the istishna' contract in the company is generally in accordance with Islamic economic law. The implementation of the istishna' contract in the sale and purchase of Islamic property at PT Eshan Realty International Bandung has shown positive results. The company has implemented the istishna' contract properly and in accordance with Islamic economic law. Abstrak. Jual beli property Syariah dengan akad istishna’ semakin popular di Indonesia. Akad istishna’ menawarkan slusi bagi pembeli yang ngin memiliki property tanpa riba dan sesuai dengan syariat islam. Namun, terdapat beberapa pertanyaan tentang implementasi akad istishna’ dalam jual beli property syaria, terutama terkait dengan keputuhanterhadap hukum ekonomi Syariah. Penelitian ini bertujuan untuk menganalisis implementasi akad istishna' dalam jual beli properti syariah di PT Eshan Realty International Bandung. Penelitian ini juga akan mengkaji kepatuhan terhadap hukum ekonomi syariah dalam implementasi akad istishna' di perusahaan tersebut. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Data dikumpulkan melalui wawancara dengan informan kunci di PT Eshan Realty International Bandung, observasi, dan dokumentasi. Data dianalisis dengan menggunakan teknik analisis normatif-empiris. Hasil penelitian menunjukkan bahwa PT Eshan Realty International Bandung telah menerapkan akad istishna' dalam jual beli properti syariah. Implementasi akad istishna' di perusahaan tersebut secara umum telah sesuai dengan hukum ekonomi syariah. Implementasi akad istishna' dalam jual beli properti syariah di PT Eshan Realty International Bandung telah menunjukkan hasil yang positif. Perusahaan tersebut telah menerapkan akad istishna' dengan baik dan sesuai dengan hukum ekonomi syariah.
Tinjauan Etika Bisnis Islam terhadap Praktik Penyaluran Air Bersih untuk Warga di Desa Ciapus Kecamatan Banjaran Kabupaten Bandung Arban Baghiz Febrian; Arif Rijal Anshori; Neng Dewi Himayasari
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 1 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i1.12310

Abstract

Abstract. Business, if interpreted in a simple context, can be interpreted as an activity in carrying out an activity or work that can provide benefits to someone. Meanwhile, in another sense, business is an activity organized by people involved in commerce and industry who provide goods and services for the needs of maintaining and improving their standards and quality of life. The definition of business according to Islam is a trade that is controlled by halal and haram rules both in terms of how it is obtained and how it is utilized. It can be concluded that business has the meaning of an activity or organization of an individual or group whose aim is to maintain and improve their standard of living. Islamic business ethics is used as a practical framework that will functionally form a religious awareness in carrying out every economic activity. In fact, the Prophet himself stated that nine out of ten doors of sustenance are through the door of trade. This means that through these trade routes, the doors of sustenance will be opened, so that you will receive favors and gifts from Allah. Abstrak. Bisnis jika diartikan dalam konteks sederhana dapat diartikan sebagai suatu kesibukan dalam melakukan suatu kegiatan atau pekerjaan yang dapat memberikan keuntungan kepada seseorang. Sedangkan dalam pengertian yang lain bisnis merupakan kegiatan yang diorganisasikan oleh orang-orang yang berkecimpung dalam perniagaan dan industri yang menyediakan barang dan jasa untuk kebutuhan mempertahankan dan memperbaiki standar serta kualitas hidup mereka. Pengertian bisnis menurut islam adalah sebuah perniagaan yang dikendalikan oleh aturan halal dan haram baik dari cara perolehannya maupun cara pemanfaatannya. Dapat disimpulkan bisnis mempunyai pengertian sebuah kegiatan atau organisasi dari seorang individu atau kelompok yang mempunyai tujuan untuk mempertahankan dan memperbaiki standar hidup mereka. Etika bisnis islam dijadikan sebagai kerangka praktis yang secara fungsional akan membentuk suatu kesadaran beragama dalam melakukan setiap kegiatan ekonomi. Bahkan, Rasulullah SAW sendiri pun telah menyatakan bahwa sembilan dari sepuluh pintu rezeki adalah melalui pintu berdagang. Artinya, melalui jalan-jalan perdagangan inilah, pintu-pintu rezeki akan dapat dibuka, sehingga akan memperoleh nikmat dan karunia dari Allah.
Analisis Perbandingan Proyeksi Kinerja Reksadana Syariah dan Konvensional Era Postcovid Berdasarkan Nilai Aktiva Bersih Arif Rijal Anshori; Ira Siti Rohmah Maulida; Neng Dewi Himayasari
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4889

Abstract

At this time pandemic covid-19 is depressing the position of the financial market and banking sector. But, this is different from non-bank financial institutions, namely mutual funds, which have increased both sharia and conventional. The purpose of this study is to examine how the projections of the financial performance of Islamic and conventional mutual funds for the next 6 years. The method used is quantitative with a descriptive approach, data processing is done by projection analysis using excel. The results of this study are 1) The performance of Islamic mutual funds during the early post-covid era has decreased, while conventional mutual funds have increased every year, including in the early post-covid era. 2) Projected performance of Islamic mutual funds based on net asset value (NAV) in the post-covid era for the next 6 years will continue to increase by reaching the highest point in 2027 of 102,054.28, while conventional mutual funds will experience a decline in year 2 of the post-covid era with projected net asset value amounted to 651,214.34 and in the 3rd to 6th year it will continue to increase
Adopsi Ekonomi Sirkular Menuju ‘Zero Poverty’ di Desa Margamukti Kabupaten Sumedang Atih Rohaeti Dariah; Hilwati Hindersah; M. Samsuri; A. Harits Nu’man; Darman Puja Kurniawan; Neng Dewi Himayasari; Nadya Safitri
Bandung Conference Series: Economics Studies Vol. 4 No. 2 (2024): Special Issue: Perguruan Tinggi Mandiri Gotong Royong Membangun Desa (PTMGRMD)
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v4i2.12516

Abstract

Abstract. English translation. The circular economy has become a business model trend in responding to environmental problems and towards sustainable business. Community service activities are carried out in Margamukti Village, Sumedang Regency by carrying out the concept of circular economy. The typology of Margamukti Village area located on the outskirts of the capital city of Sumedang, is rice fields where the function of space is dominated for agricultural land. The Margamukti Village Government has tried to adopt the circular economy concept contained in the Margamukti Village Circular Economy Innovation Profile document. This article will discuss how the adoption of a circular economy that can optimize the potential of the leading economy while creating employment opportunities and reducing poverty, which will be outlined in a more structured plan document and put forward a buttom-up approach. There are four methods in this activity, namely, content analysis, deductive method, focus group discussion, and mentoring process. Some analysis of the results of activities includes proposals to identify the entrepreneurial potential of farmer groups. In the profile document, there is also no monitoring of evaluation, no duration of time and no achievement indicators. This means that profile documents need to be refined by accommodating all findings from the results of this service into a roadmap. Abstrak. Ekonomi sirkular telah menjadi trend model bisnis dalam merespon masalah lingkungan hidup dan menuju bisnis berkelanjutan. Kegiatan pengabdian dilaksanakan di Desa Margamukti Kabupaten Sumedang dengan mengusung konsep ekonomi sirkular. Tipologi wilayah Desa Margamukti yang terletak di pinggiran Ibu Kota Sumedang adalah persawahan dimana fungsi ruang didominasi untuk lahan pertanian. Pemerintah Desa Margamukti sudah mencoba mengadopsi konsep ekonomi sirkular yang tertuang dalam dokumen Profil Inovasi Sirkular Ekonomi Desa Margamukti. Artikel ini akan membahas bagaimana adopsi ekonomi sirkular yang dapat mengoptimalkan potensi ekonomi unggulan sekaligus menciptakan kesempatan kerja dan menurunkan kemiskinan, yang akan dituangkan dalam dokumen rencana yang lebih terstruktur dan mengedepankan pendekatan buttom-up. Terdapat empat metode dalam kegiatan ini yakni, content analysis, metode deduktif, diskusi kelompok terfokus, dan proses pendampingan. Beberapa analisis hasil kegiatan antara lain berupa usulan untuk identifikasi potensi kewirausahaan kelompok peternak. Dalam dokumen profil juga tidak terdapat bagaimana monitoring evaluasi, tidak ada durasi waktu dan tidak ada indikator capaian. Artinya dokumen profil perlu disempurnakan dengan mengakomodir seluruh temuan dari hasil pengabdian ini ke dalam sebuah roadmap.
Tiga Kisah dari Ujungjaya-Sumedang dalam Meningkatkan Kesejahteraan Masyarakat Desa Pius Suratman Kartasasmita; Jeffri Yosep Simanjorang; Neng Dewi Himayasari; Yohanes Andika Tjitrajaya
Bandung Conference Series: Economics Studies Vol. 4 No. 2 (2024): Special Issue: Perguruan Tinggi Mandiri Gotong Royong Membangun Desa (PTMGRMD)
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v4i2.12523

Abstract

Abstract. Ujungjaya Village is a village located in Ujungjaya Sub-district, Sumedang Regency, West Java. The government of Ujungjaya Village is led by a Village Head (Kuwu), assisted by three section heads: the Head of the Government Section, the Head of the Welfare Section, and the Head of the Service Section; and supported by a secretarial department. At the implementation level, the Ujung Jaya Village Head also has three regional executive units consisting of the Village Executive of Hamlet I, the Village Executive of Hamlet II, and the Village Executive of Hamlet III. This article is part of the implementation of the Perguruan Tinggi Mandiri Gotong Royong Membangun Desa (PTMGRMD) program, a pentahelix collaboration effort, namely the synergy between LLDIKTI Region IV with all universities in LLDIKTI Region IV, the Regional Government, and community members. The focus of activities is on reducing poverty, reducing stunting rates, and reducing the number of extreme poor people. The goal is to improve the quality and welfare of people's lives. The method used is participatory action research (PAR). The results of the activities include training in making independent organic fertilizer, handling stunting, and livestock cultivation. The PTMGRMD team also succeeded in forming Pusat Informasi Konseling Remaja (PIKR) group. Abstrak. Desa Ujungjaya merupakan sebuah desa yang berada di wilayah Kecamatan Ujungjaya Kabupaten Sumedang, Jawa Barat. Pemerintahan Desa Ujungjaya dipimpin oleh seorang Kepala Desa (Kuwu), dibantu oleh tiga kepala seksi yaitu Kepala Seksi Pemerintahan, Kepala Seksi Kesejahteraan, dan Kepala Seksi Pelayanan; serta didukung bagian kesekretariatan. Di tingkat pelaksanaan, Kepala Desa Ujung Jaya juga memiliki tiga unit pelaksana kewilayahan yang terdiri dari Pelaksana Kewilayahan Dusun I, Pelaksana Kewilayahan Dusun II, dan Pelaksana Kewilayahan Dusun III. Artikel ini merupakan bagian dari pelaksanaan program Perguruan Tinggi Mandiri Gotong Royong Membangun Desa (PTMGRMD), sebuah upaya kolaborasi pentahelix, yaitu sinergi antara LLDIKTI Wilayah IV dengan seluruh perguruan tinggi yang ada di lingkungan LLDIKTI Wilayah IV, Pemerintah Daerah, dan anggota masyarakat. Fokus kegiatan yakni penurunan angka kemiskinan, penurunan angka stunting, dan penurunan jumlah masyarakat miskin ekstrem. Tujuannya peningkatan kualitas dan kesejahteraan hidup masyarakat. Metode yang digunakan adalah participatory action research (PAR). Hasil kegiatan antara lain pelatihan pembuatan pupuk organik mandiri, penanganan stunting, dan budidaya ternak. Tim PTMGRMD juga berhasil membentuk kelompok Pusat Informasi Konseling Remaja (PIKR).
Pengembangan Ruang Budi Daya Peternakan Kelinci di Desa Margamukti Sumedang Untuk Mendukung Perekonomian Desa Berkelanjutan Hilwati Hindersah; Atih Rohaeti Dariah; A. Harits Nu’man; Rose Fatmadewi; Neng Dewi Himayasari; Nadya Safitri
Bandung Conference Series: Economics Studies Vol. 4 No. 2 (2024): Special Issue: Perguruan Tinggi Mandiri Gotong Royong Membangun Desa (PTMGRMD)
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v4i2.12560

Abstract

Abstract. Margamukti Village, located in North Sumedang Sub-district, Sumedang Regency, has great potential for the development of rabbit farming as an effort to improve the village economy. This study aims to understand community perceptions and support for the development of rabbit farming spaces. This research applied a mixed method which included a comprehensive literature review as well as secondary data collection, field documentation and Focus Group Discussion (FGD). The results of the research include that the rabbit farming area in Margamukti Village is included in the cultivation area/zone, precisely the agricultural zone. For rabbit livestock-based economic development, alternative solutions with agritourism-based economic development. Develop agritourism by utilizing natural beauty or local agricultural potential. This could include organic farming tours or urban farming activities integrated with rabbit farming. It is important to conduct a market analysis prior to sustainable village economic development steps. The farmers of Margamukti Village should form a community such as a cooperative specifically for rabbit farming. Abstrak. Desa Margamukti, yang terletak di Kecamatan Sumedang Utara, Kabupaten Sumedang, memiliki potensi besar untuk pengembangan budi daya kelinci sebagai salah satu upaya meningkatkan perekonomian desa. Penelitian ini bertujuan untuk memahami persepsi dan dukungan masyarakat terhadap pengembangan ruang budidaya peternakan kelinci. Penelitian ini menerapkan metode campuran (mixed method) yang meliputi tinjauan literatur komprehensif serta pengumpulan data sekunder, dokumentasi lapangan dan Focus Group Discussion (FGD). Hasil penelitian antara lain, area peternakan kelinci di Desa Margamukti termasuk ke dalam kawasan/zona budidaya, tepatnya zona pertanian. Untuk pengembangan ekonomi berbasis ternak kelinci, solusi alternatif dengan pengembangan ekonomi berbasis agrowisata. Mengembangkan agrowisata dengan memanfaatkan keindahan alam atau potensi pertanian setempat. Ini dapat mencakup wisata pertanian organik atau kegiatan urban farming yang terintegrasi dengan peternakan kelinci. Penting dilakukan analisis pasar sebelum langkah pengembangan ekonomi desa yang berkelanjutan. Para peternak Desa Margamukti sebaiknya membentuk komunitas semacam koperasi khusus untuk usaha ternak kelinci.
Co-Authors A. Harits Nu'man Ananda Azizah Nur'ansory Annisa Indrawati Annisa Nurul Fauziah Arban Baghiz Febrian Atih Rohaeti Dariah Atin Frihatiningrum Darman Puja Kurniawan desta dwi Dicky Raka Perdana Encep Abdul Rojak Erya Devita Esti Apriliani Permata Sari Eva Fauziah Eva Fauziyah Firdha Luthfiyah Azhar Haritz Prasetya Rahmansyah Hilwati Hindersah Ilham Mujahid Intan Nurachmi Intan Puspita Jeffri Yosep Simanjorang Liza Dzulhijjah M. Samsuri Mala Nurilmala Maulida, Ira Siti Rohmah Melani Nur Khuzaifah Mohammad Wildan Alghifari Zain Muhamad Naufal Al Dzikri Nadya Safitri Nandang Ihwanudin Nanik Eprianti Panji Adam Agus Putra Pius Suratman Kartasasmita Popon Srisusilawati Redi Hadiyanto Redi Hadiyanto Redi Hadiyanto Rose Fatmadewi Salma Almira Nurazizah Salwa Nabila Putri Siti Sayyidah Suryaningsih Tesa Rosmala Tiara Deasy Nurfitriani Sumarwan Udin Saripudin Yasmin Roudhotuljannah Yasmine Yohanes Andika Tjitrajaya Yovanka Graciela Zaini Abdul Malik