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Analisis Uang Wariq Dalam Sosiologi Ilmu Pengetahuan Muhammad Alfan Rumasukun
Islamic Economics Journal Vol 5, No 1 (2019)
Publisher : University of Darussalam Gontor

The current facts have shown that the sharia economic growth trend in Indonesia continues to increase, both on a macro and micro scale. That can happen through massive programs of education and sharia economic exhibitions in the midst of the academic community and the general public, as well as increasingly raising awareness of Muslims about the application of sharia in the economic field. The progress of Islamic finance seems to be inseparable from the use of exchange instruments, namely money made from gold and silver or commonly referred to as Dinar and Dirham money. It is in this context that some sharia economists have revived the use of dinars and dirhams as an alternative solution to the problem of modern banknotes. On the same occasion, in some literature, classical fiqh was allegedly a history of wariq money that had existed in Islam even long before the presence of Islam was seen by the Prophet. Wariq money was explicitly approved in the story of the faithful youth of the cave dwellers which were published in the Qur’an Surat al-Kahf verse 19. This study aims to: (1) get a complete picture of the concept of wariq money, and (2) to reveal the relevance of wariq money to sharia economics.The type of research used in this study is literature research with historical studies and reading texts from various classical and contemporary fiqh. In this context, the reference sources offered are a number of fiqh books from among the four fiqh schools which have been selected from the library collection of the Universitas Darussalam Gontor Primary School. To get complete data is done by the screening process and analysis of wariq terms from some of the fiqh books. Screening and analysis is done by collecting various primary references related to the discussion of the wariq, so as to enable a complete description of the term money wariq. This data is then processed and analyzed with the sociological theory of science to be approved by the validity of the overall money concept. The conclusions obtained from this study, wariq money is money made from silver in the form of sheets of paper that have been around since the time of kahfi ashabul. Second, wariq money is very relevant to be used as an alternative solution for the consideration of finance and state finances.

Implementasi Akad Murabahah Dalam Perbankan Syariah di Indonesia Muhammad Alfan Rumasukun; Muhammad Ghozali
Islamic Economics Journal Vol 2, No 1 (2016)
Publisher : University of Darussalam Gontor

The term “Murabahah” refers to contracts in which a financial institution purchases goods upon the request of a client, who makes deferred payments that cover costs and agreed-upon profit margin for the financial institution. The financial institution handles payment to a supplier and the incidental expenses of delivery (against a deferred payment made by the buyer to cover delivery costs and agreed-upon share of the buyer’s mark-up). Murabahah is the most widely used instrument of Islamic banking with seventy-five percent of total contract being murabahah based. It is widely used in consumer and corporate financing as well as in subordinated or term financing. The aim of this article is to review and analyze the murabahah contract, the most important investment mechanism in Islamic banking today both in its theoretical and practical aspects.

Learning Models in Sharia Economic Department in Forming Student Career Options in the Sharia Financial Industry Muhammad Alfan Rumasukun; Ahmad Lukman Nugraha
AL- IKTISAB Journal of Islamic Economic Law Vol 5, No 1 (2021): Al-Iktisab: Journal of Islamic Economic Law
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i1.5117

This study identifies a learning model in the sharia economics department in shaping student career choices in the sharia finance industry. This research was conducted at the State Islamic Institute Campus, Ponorogo East Java. This research was conducted because the number of workers in the sharia finance industry, especially those who have Islamic economic scientific competence, has decreased. On the other hand, conditions in the sharia financial industry and sharia financial institutions have developed quite rapidly. Likewise, interest in sharia economics at various Islamic religious universities continues to increase. This type of research uses descriptive research methods equipped with qualitative and quantitative data, both primary and secondary data. This study uses a Likert scale to determine the results of the study. The independent variable analysis uses Theory of Planned Behavior, while the dependent variable uses Social Cognitive Career Theory (SCCT). The purpose of this study is to determine the learning model in the Islamic economics department in shaping student career choices in the sharia finance industry. The results of this study indicate an increase in the number of sharia financial institutions, enthusiasts of the Islamic economics major after market demand and special attention from the government with its various incentive policies, but there is a decline in student career choices in the sharia finance industry. The conclusion of this study shows that the decline in student career choices in the sharia finance industry is caused by many factors. In order to provide solutions to the above problems, efforts to improve several designs or learning models on campus need to be improved and enhanced. The most dominant learning model with a percentage of 83.5% is the integration model of religious and general sciences. Next followed by the supervisory teacher motivation intensity model with a percentage of 86.4%.

ANALISIS PENGARUH CAR, BOPO, NPF, DAN FDR TERHADAP PROFITABILITAS BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA PERIODE 2013-2020 Muhammad Alfan Rumasukun; Muhammad Ilham Reza
Journal of Islamic Economics and Philanthropy Vol 5, No 2 (2022): Mei
Publisher : Universitas Darussalam Gontor

Di Indonesia perkembangan industri perbankan konvensional dan perbankan syariah telah berkembang pesat. namun kedua bank tersebut bersaing untuk mempertahankan eksistensinya dalam industri perbankan. Profitabilitas sebuah industri merupakan salah satu indikator keberlangsungan (sustainability) industry tersebut. Tujuan penelitian ini untuk melihat sejauh mana signifikansi profitabilitas antara keduanya, untuk memprediksi eksistensi antara bank konvensional dan bank syariah. Penelitian ini merupakan penelitian kuantitatif, menggunakan data sekunder yang diambil dari website otoritas jasa keuangan. data tersebut diolah dengan metode regresi linier berganda dengan menggunakan aplikasi software spss 25. Hasil penelitian pada bank BRI menunjukkan variabel CAR berpengaruh negative tidak signifikan. Sedangkan variabel BOPO berpengaruh negative signifikan. Kemudian variabel LDR berpengaruh negatif tidak signifikan. Kemudian variabel NPL berpengaruh negative tidak signifikan. Hasil penelitian pada bank Muamalat menunjukkan variabel CAR berpengaruh negative tidak signifikan. Sedangkan variabel BOPO berpengaruh negative. Kemudian variabel FDR berpengaruh positif. Kemudian variabel NPF berpengaruh negative tidak signifikan. Dengan nilai Adjusted R-Square Bank BRI 91,2% yang menunjukan besarnya pengaruh variable independen terhadap variable ROA dan sisanya 8,8%, dan nilai Adjusted R-Square Bank Muamalat Indonesia sebesar 98,8% yang menunjukan besarnya pengaruh variable independen terhadap variable ROA dan sisanya 1,2%. Sedangkan secara simultan menunjukkan bahwa variable CAR, BOPO, FDR, dan NPF berpengaruh signifikan terhadap variable ROA Bank BRI dan Bank Muamalat Indonesia di Indonesia. Kata kunci: CAR, BOPO, FDR, NPF

Implementasi Akad Murabahah Dalam Perbankan Syariah di Indonesia Muhammad Alfan Rumasukun; Muhammad Ghozali
Islamic Economics Journal Vol. 2 No. 1 (2016)
Publisher : University of Darussalam Gontor

The term “Murabahah” refers to contracts in which a financial institution purchases goods upon the request of a client, who makes deferred payments that cover costs and agreed-upon profit margin for the financial institution. The financial institution handles payment to a supplier and the incidental expenses of delivery (against a deferred payment made by the buyer to cover delivery costs and agreed-upon share of the buyer’s mark-up). Murabahah is the most widely used instrument of Islamic banking with seventy-five percent of total contract being murabahah based. It is widely used in consumer and corporate financing as well as in subordinated or term financing. The aim of this article is to review and analyze the murabahah contract, the most important investment mechanism in Islamic banking today both in its theoretical and practical aspects.

Analisis Uang Wariq Dalam Sosiologi Ilmu Pengetahuan Muhammad Alfan Rumasukun
Islamic Economics Journal Vol. 5 No. 1 (2019)
Publisher : University of Darussalam Gontor

The current facts have shown that the sharia economic growth trend in Indonesia continues to increase, both on a macro and micro scale. That can happen through massive programs of education and sharia economic exhibitions in the midst of the academic community and the general public, as well as increasingly raising awareness of Muslims about the application of sharia in the economic field. The progress of Islamic finance seems to be inseparable from the use of exchange instruments, namely money made from gold and silver or commonly referred to as Dinar and Dirham money. It is in this context that some sharia economists have revived the use of dinars and dirhams as an alternative solution to the problem of modern banknotes. On the same occasion, in some literature, classical fiqh was allegedly a history of wariq money that had existed in Islam even long before the presence of Islam was seen by the Prophet. Wariq money was explicitly approved in the story of the faithful youth of the cave dwellers which were published in the Qur’an Surat al-Kahf verse 19. This study aims to: (1) get a complete picture of the concept of wariq money, and (2) to reveal the relevance of wariq money to sharia economics.The type of research used in this study is literature research with historical studies and reading texts from various classical and contemporary fiqh. In this context, the reference sources offered are a number of fiqh books from among the four fiqh schools which have been selected from the library collection of the Universitas Darussalam Gontor Primary School. To get complete data is done by the screening process and analysis of wariq terms from some of the fiqh books. Screening and analysis is done by collecting various primary references related to the discussion of the wariq, so as to enable a complete description of the term money wariq. This data is then processed and analyzed with the sociological theory of science to be approved by the validity of the overall money concept. The conclusions obtained from this study, wariq money is money made from silver in the form of sheets of paper that have been around since the time of kahfi ashabul. Second, wariq money is very relevant to be used as an alternative solution for the consideration of finance and state finances.

ANALISIS PENGARUH CAR, BOPO, NPF, DAN FDR TERHADAP PROFITABILITAS BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA PERIODE 2013-2020 Muhammad Alfan Rumasukun; Muhammad Ilham Reza
Journal of Islamic Economics and Philanthropy Vol. 4 No. 4 (2022): May
Publisher : Universitas Darussalam Gontor

Di Indonesia perkembangan industri perbankan konvensional dan perbankan syariah telah berkembang pesat. namun kedua bank tersebut bersaing untuk mempertahankan eksistensinya dalam industri perbankan. Profitabilitas sebuah industri merupakan salah satu indikator keberlangsungan (sustainability) industry tersebut. Tujuan penelitian ini untuk melihat sejauh mana signifikansi profitabilitas antara keduanya, untuk memprediksi eksistensi antara bank konvensional dan bank syariah. Penelitian ini merupakan penelitian kuantitatif, menggunakan data sekunder yang diambil dari website otoritas jasa keuangan. data tersebut diolah dengan metode regresi linier berganda dengan menggunakan aplikasi software spss 25. Hasil penelitian pada bank BRI menunjukkan variabel CAR berpengaruh negative tidak signifikan. Sedangkan variabel BOPO berpengaruh negative signifikan. Kemudian variabel LDR berpengaruh negatif tidak signifikan. Kemudian variabel NPL berpengaruh negative tidak signifikan. Hasil penelitian pada bank Muamalat menunjukkan variabel CAR berpengaruh negative tidak signifikan. Sedangkan variabel BOPO berpengaruh negative. Kemudian variabel FDR berpengaruh positif. Kemudian variabel NPF berpengaruh negative tidak signifikan. Dengan nilai Adjusted R-Square Bank BRI 91,2% yang menunjukan besarnya pengaruh variable independen terhadap variable ROA dan sisanya 8,8%, dan nilai Adjusted R-Square Bank Muamalat Indonesia sebesar 98,8% yang menunjukan besarnya pengaruh variable independen terhadap variable ROA dan sisanya 1,2%. Sedangkan secara simultan menunjukkan bahwa variable CAR, BOPO, FDR, dan NPF berpengaruh signifikan terhadap variable ROA Bank BRI dan Bank Muamalat Indonesia di Indonesia. Kata kunci: CAR, BOPO, FDR, NPF

The Role of the National Economic Recovery Program on MSMEs’ Sustainability in the Perspective of Maqashid Sharia Muhammad Alfan Rumasukun
IQTISHADIA Vol 16, No 1 (2023): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v16i1.17684

The purpose of this research is to identify the Implementation and Implications of Indonesian Government's National Economic Recovery (NER) Program on MSMEs in East Java Province with their harmony and relevance to Maqashid Sharia by Jasser Auda who has studied and aligned them with human activities and conditions in modern era. This study uses Policy Research with Qualitative Descriptive Approach. The data source is explored through an interview and documentation process from informants as MSMEs business people in East Java who have received assistance from the Government through the NER Program, which based on eachconfession that government assistance greatly helps the sustainability of their business in the midst of an economic crisis during the pandemic. As can be seen from the NER Program policy, positive results were obtainedfrom the implementation and implications of Government assistance through the program to MSMEs business actors in East Java Province. The program provides results that also meet the Maqashid Sharia standards stated by Jasser Auda. In addition, the policies carried out by the Government during the Pandemic were proven to be in accordance with the teachings of the Prophet Muhammad SAW and Umar bin Khattab when facing the Pandemic in their time.

Pendirian Taman Baca sebagai Upaya Meningkatkan Daya Tarik Wisata Religi Masjid dan Makam Tegalsari, Ponorogo Eka Indah Nuraini; Diska Fatima Virgiyanti; Muhammad Alfan Rumasukun; Khuza Tri Wahyu; Alif Ahsanuddin
Jurnal ETAM Vol. 3 No. 2 (2023): OCTOBER
Publisher : Politeknik Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46964/etam.v3i2.606

Indek literasi seringkali digunakan sebagai instrumen keberhasilan pendidikan di suatu negera. Masyarakat yang memiliki minat dan budaya baca tinggi diyakini memiliki tingkat literasi yang tinggi pula. Namun, fakta menyatakan adanya penurunan tingkat literasi masyarakat. Berdasarkan survey lapangan, mitra yang merupakan Yayasan Kyai Ageng Mohammad Besari yang bertugas memelihara dan mengelola wisata religi masjid dan makam Kyai Mohammad Hasan Besari di Desa Tegalsari, Kecamatan Jetis, Kabupaten Ponorogo memiliki fasilitas pendukung literasi terbatas terkait dengan koleksi buku maupun akses terhadap buku murah dan berkualitas. Solusi dari permasalah tersebut adalah pengabdian masyarakat yang fokus pada pendirian taman baca dan pelaksanaan kegiatan pendukung, seperti acara bedah buku dan penyuluhan UMKM diyakini dapat meningkatkan minat dan budaya baca guna meningkatkan daya tarik wisata religi di masjid dan makam Kyai Ageng Mohammad Besari. Metode untuk mendirikan taman baca adalah metode ADDIE. Hasil dari monitoring dan evaluasi yang dilakukan di akhir program pengabdian masayrakat ini menunjukkan bahwa pendirian taman baca memberikan suasana yang berbeda terhadap kegiatan wisata religi dan mitra antusias dalam mengikuti rangkaian kegiatan pengabdian masyarakat.

The The Effect of Islamic Financial Inclusion and Literacy on the Productivity of MSMEs: Case Study in Probolinggo Muhammad Alfan Rumasukun; Alivia Maharani
Islamic Economics Journal Vol. 10 No. 1 (2024)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i1.11608

Looking at the large contribution of MSMEs to GDP growth, namely 0.2%, it can be seen that the market in this sector is supported by a fairly large portion of the workforce, reaching 96.92%. However, the low productivity of MSMEs is a concern because the input produced is not commensurate with the output produced. This research aims to investigate and understand the productivity problems faced by MSMEs (Micro, Small and Medium Enterprises) in Probolinggo, especially in Mayangan sub-district. This research covers aspects such as financial inclusion and financial literacy, with a focus on sharia approaches. This was done to understand the impact of sharia financial inclusion and sharia financial literacy on the productivity of MSMEs in the region. The study employs quantitative research methods and utilizes primary data obtained from respondent-filled questionnaires. The population consists of MSMEs in the Mayangan District, with 30 respondents selected through Probability Sampling. Then the data is processed using multiple linear regression analysis techniques using the SPSS (Statistical Package for Social Sciences) program. The results of this study indicate that Islamic financial inclusion and Islamic financial literacy have a significant effect on the productivity of MSMEs. This is evidenced by the result of the coefficient of determination analysis where the variables of Islamic financial inclusion and Islamic financial literacy affect MSMEs productivity by 84,3% and the remaining 15,7% is explained by other variables not included in this study.

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