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Praktik Akad Muzara’ah pada Lahan Pertanian Desa Sambirejo Mantingan Ngawi Jawa Timur dalam Perspektif Fiqih Muamalah Muhammad Abdul Aziz; Muhammad Taufiq Zamzami
Ijtihad Vol. 16 No. 2 (2022): Ijtihad: Jurnal Hukum dan Ekonomi Islam
Publisher : Universitas Darussalam Gontor

Penelitian ini dilakukan di Desa Sambirejo Kecamatan Mantingan Kabupaten Ngawi, dimana telah terjadi kerjasama (muzara’ah) sejak tahun 1991 sampai sekarang antara staff Yayasan Pemeliharaan dan Perluasan Wakaf Pondok Modern (YPPWPM) selaku pemilik sawah dan masyarakat selaku penggarap sawah untuk ditanam tanaman padi. Tujuan dari penelitian dilakukan untuk mengetahui praktik muzara’ah pengelolaan lahan pertanian di Desa Sambirejo Kecamatan Mantingan Kabupaten Ngawi dan untuk mengetahui sistem muzara’ah menurut Fikih muamalah. Penelitian ini merupakan penelitian kualitatif deskriptif dengan obyek yang terjadi di lapangan. Pengumpulan data dilakukan dengan cara wawancara, observasi dan dokumentasi. Analisis yang digunakan adalah analisis kualitatif dengan metode berfikir deduktif, yaitu peneliti menganalisis dari yang umum ke khusus sehingga dapat diambil kesimpulan. Hasil penelitian ini menyimpulkan bahwasanya pelaksanaan akad Muzara’ah (bagi hasil) pengolahan lahan pertanian yang dilakukan oleh kedua belah pihak di Desa Sambirejo dari segi akad, ijab qabul, pembagian modal dan hasil sudah sesuai dengan Fikih Muamalah, kerja sama bagi hasil dilakukan berdasarkan kesukarelaan, transparancy dan kejujuran.

PREFERENSI DAN PERILAKU MASYARAKAT PEDESAAN TERHADAP PERBANKAN SYARIAH (Studi Kasus Di Desa Luwunggede, Mundu Dan Karangreja) Muhammad Abdul Aziz; Lutfia Nuril Arafah
Journal of Islamic Economics and Philanthropy Vol. 3 No. 3 (2021): February
Publisher : Universitas Darussalam Gontor

Since the issuance of the 2003 MUI fatwa about the interest is forbidden, Islamic banks are growing rapidly but its slower than conventional banks market share. The villager has not been reached to socialize about the activities of Islamic banks. So as the villager who have low income levels, related only to conventional financial institutions such as cooperatives, rural banks, banks and even moneylenders because the Islamic financial institutions are not reached by them. This study aims to analyze religious and economic preferences and behaviour of rural people towards Islamic banking. This study uses descriptive statistical analysis research with quantitative and qualitative approaches. The data used are primary and secondary data obtained from questionnaires distributed to 90 respondents and interviews from certain figures. The data analysis method used is frequencies.The results of the study show that religious and economic preferences are the most important factors that greatly influence to the behavior of rural people towards Islamic banking.This makes Islamic bank is urgent to accommodate that can not be done by conventional bank, especially in terms of the maslahah afterlife in order to stay away from usury that is unlawful so it is in line with the Islamic principal مَا لَا يُدْرَكُ كُلُّهُ لَا يُتْرَكُ كَلُّهُ and الْمَيْسُوْرُ لَايَسْقُطُ بِالْمَعْسُوْرِ.

The Role of National Amil Zakat Agency (BAZNAS) Through Zakat Funds for Poverty Alleviation in Malang Regency Muhammad Abdul Aziz; Anisah Himatul Ulya; Muhammad Faris Amiruddin
Ijtihad Vol. 17 No. 1 (2023): Ijtihad: Jurnal Hukum dan Ekonomi Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/ijtihad.v17i1.9883

*English*This research hopefully it can provide benefits, on the distribution zakat funds to poverty alleviation is expected to provide overcome, as well as an understanding of how the benefits of giving zakat assets to people in need, hopefully it will be useful to better understand how the process of managing, distributing and utilizing zakat in order to alleviate people who have poverty and unemployment, because in Islam, poverty and unemployment can damage the faith and social order for society, this research is expected to be for people who are hesitant in providing zakat assistance so that they can become muzakki after understanding the importance of zakat assistance for people in need and help convince zakat institutions in distributing zakat funds to mustahiqs after understanding about it. Documentation in obtaining information, data sources from qualitative research using words, actions, and documents. Qualitative data analysis techniques are performed by data collection, reduction, presentation, and conclusions in qualitative research. Based on the results of the study, BAZNAS in Malang Regency has a role in providing assistance to several aspects of life such as Education, economy, and others, then BAZNAS is reasonably supported by the Government. BAZNAS Malang Regency has several programs conducted to help alleviate poverty that are experiencing shortages in the economy, education, health. These programs include Malang Makmur, Peduli, Sehat, Cerdas and Taqwa, these assistance are consumptive and productive. *Indonesia*Penelitian ini diharapkan dapat memberikan manfaat, dalam penyaluran dana zakat infaq dan shadaqah terhadap pengentasan kemiskinan diharapkan dapat memberikan keringanan dan penanggulanan kemiskinan, serta pemahaman tentang bagaimana manfaat dari pemberian dana zakat terhadap masyarakat yang membutuhkan, proses pengelolaan, pendistribusian dan pendayagunaan zakat agar bisa mengentaskan masyarakat yang mengalami kemiskinan dan pengangguran, karena dalam islam, kemiskinan dapat merusak tatanan keimanan dan sosial masyarakat. penelitian ini diharapkan kepada masyarakat yang ragu dalam memberikan bantuan zakat sehingga mereka dapat menjadi muzakki setelah memahami pentingnya bantuan zakat bagi orang yang membutuhkan, dan membantu meyakinkan mayarakat untuk menyalurkan melalui lembaga zakat dan mendistribusikan dana zakat untuk mustahiq setelah memahami tentang hal itu. Dokumentasi dalam memperoleh informasi, sumber data dari penelitian kualitatif menggunakan kata-kata, tindakan, dan dokumen. Teknik analisis data kualitatif dilakukan dengan pengumpulan data, pengurangan, presentasi, dan kesimpulan dalam penelitian kualitatif. Berdasarkan hasil penelitian, BAZNAS di Kabupaten Malang berperan dalam memberikan bantuan kepada beberapa aspek kehidupan seperti Pendidikan, ekonomi, dan lain-lain, maka BAZNAS didukung oleh Pemerintah. Kabupaten BAZNAS Malang memiliki beberapa program yang dilakukan untuk membantu mengurangi kemiskinan yang mengalami kekurangan dalam ekonomi, pendidikan, kesehatan. Program-program ini termasuk Malang Makmur, Peduli, Sehat, Cerdas dan Taqwa, bantuan ini bersifat konsumtif dan produktif.

Sosialisasi dan Pendampingan Pembuatan Legalitas UMKM Graciata Taylor Penerima Modal Kerja Laziz Asfa may shinta retnowati; Muhammad Abdul Aziz; Qomsin alqudrih
Ahmad Dahlan Mengabdi Vol 2 No 2 (2023): ABADI : Jurnal Ahmad Dahlan Mengabdi Edisi September 2023
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Institut Teknologi dan Bisnis Ahmad Dahlan Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58906/abadi.v2i2.102

Saat ini pelaku usaha pada UMKM sering kali menyampingkan legalitas usaha dari usaha yang mereka jalankan, hal ini dikarenakan kesibukan mereka tiap harinya dengan berjualan dan minimnya pengetahuan tentang perizinan usaha. Saat ini pendaftaran legalitas usaha juga dilakukan secara mudah melalui OSS (One Single Submission) dari Kementrian Investasi dengan mendaftarkan Nomor Induk Berusaha (NIB), dengan adanya NIB maka UMKM tersebut diakui secara resmi oleh pemerintah dan dapat melaksanakan kegiatan berusahanya secara sah. Graciata Taylor merupakan UMKM yang bergerak dibidang jasa jahit pakaian pesanan. Pada Tahun 2023 Graciata Taylor berkesampatan menerima bantuan modal kerja dari Lembaga Zakat Infaq dan Sadaqah (LAZIS) Assalam Fil Alamin (ASFA) melalui tim dari Universitas Darussalam (UNIDA) Gontor. Tujuan pelaksanaan pengabdian ini untuk memberikan sosialisasi urgensitas dari legalitas yang harus dimiliki oleh UMKM Graciata Taylor, serta melakukan pendampingan pendaftaran NIB. Metode pengabdian kepada masyarakat ini adalah sosialisasi, pendampingan pendaftaran NIB, dan evaluasi kegiatan. Hasil kegiatan dilakukan sosialisasi dan pendampingan pembuatan NIB oleh tim dengan baik, meskipun ada kendala dari NIB terbit yang belum terverifikasi dikarenakan adanya risiko dari jasa pelaku usaha yang menengah tinggi.

Peningkatan Kualitas Pembelajaran Dan Digitalisasi Sekolah Berbasis Learning Management System Di Madrasah Aliyah Al-Imam Sawoo Muhammad Irkham Firdaus; Abdul Aziz; Fauzi Alfatoni; Friska Setiya Pamungkas; Angger Raafiu
Kreativasi : Journal of Community Empowerment Vol. 1 No. 3 (2022): Vol.1 No. 3, 2022 : Desember 2022
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/kreativasi.v1i3.24152

Currently, educational institutions are required to have an innovation that can support educational and teaching activities, such as combining the education system with an informatics system. However, there are still many educational institutions that do not know much about informatics technology, such as Madrasah Aliyah Al-Imam Sawoo, so this community service activity aims to provide innovation and improve the quality of education by implementing an internet-based education system or learning management system. This is attempted so that the aims and objectives of education can be carried out as well as possible by adjusting to the times, especially since many students at Madrasah Aliyah Al-Imam Sawoo already have electronic devices in the form of cell phones and laptops. This PKM activity uses socialization, training, and mentoring methods. In this PKM activity, it provides a new innovation in helping education and teaching activities, namely a special digital platform for MA Al-Imam Sawoo. The platform uses Moodle, which is a special digital platform that can be accessed both via the Web and mobile. Thus, it can be a solution for teaching and learning that is effective and in accordance with the times. and become new solutions and innovations that MA Al-Imam Sawoo uses in their daily learning process in the hope that this method will improve the quality of learning and provide new colors to students in their teaching and learning activities at school.

Investment Cooperation Agreement on Equity Crowdfunding Platform from the Perspective of Sharia Economic Law Firdaus, Muhammad Irkham; Aziz, Muhammad Abdul; Sukoco, Daud; Alafianta, Novan Fatchu
AL- IKTISAB Journal of Islamic Economic Law Vol 5 No 1 (2021)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i1.5626

Equity crowdfunding is a new innovation in finance, which is an external product of financial technology, by combining financial systems with information technology. Equity crowdfunding is a combination of investment business model with information technology, where meetings between investors and fund managers are conducted online through websites on this platform. Crowdfunding equity platform is now growing rapidly and is very popular among the community, due to some of the facilities offered by the platform organizers for service users. Therefore, further research needs to be done on this business practice, which covers all aspects of the mechanisms and systems on this platform. The purpose of this study is to determine the mechanisms and systems of all aspects of the investment cooperation agreement model applied on the equity crowdfunding platform. The intended aspects include the mechanism of agreement (contract), profit sharing system, user protection, stock trading mechanism, dispute resolution, risk management, and so on. Furthermore, it aims to determine its compliance with Islamic law and the positive laws that apply in Indonesia. Investment agreements on equity crowdfunding platform can be implemented in mudharabah agreement, meanwhile, the agreement between the crowdfunding service provider and the crowdfunding user can use the wakalah bil ujrah contract. The percentage to revenue ratio can use the profit and loss distribution system and the revenue distribution system according to the agreement. Equity crowdfunding platform should really pay attention to consumer protection in accordance with the provisions in accordance with POJK and hifdzul maal theory. In addition, it must carry out risk management to minimize the occurrence of losses for some parties, and create a dispute resolution mechanism in accordance with Islamic law and economic law.

A Historical Review of the Development of the Islamic Banking System (An Analytical Study) Alafianta, Novan Fatchu; Aziz, Muhammad Abdul; Sahputra, Jaya
AL- IKTISAB Journal of Islamic Economic Law Vol 5 No 2 (2021)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i2.6799

This paper tries to investigate the historical development of Islamic banking in the world. The formation of Islamic banking was inspired by the incompatibility between conventional banks and Islamic teachings based on the Qur'an and al-Hadith. Islamic economists are trying to replace and improve the traditional system of banking that has developed rapidly with the Islamic banking system. The establishment of Mit Ghamr marked the emergence of Islamic banking. Since then, many Islamic banks have been established and have proliferated. The primary purpose of this study is to analyze and determine the historical development of the Islamic banking system in various countries. Thus, this research can provide further information for Muslim economic actors as a guide in carrying out economic activities, especially those related to banking. This study using the historical analysis method and at the end of this paper, confirm that the Islamic banking system was preceded by applying a profit-sharing approach to avoid interest in banking. The development of Islamic banks cannot be separated from the efforts made by the Organization of the Islamic Conference (OIC), which since 1970 has issued many recommendations and encouraged its member countries to improve the people's economy in their respective countries. Then, Islamic banks developed in various countries, including Pakistan, Egypt, Iran, Cyprus, Kuwait, Bahrain, United Arab Emirates, Malaysia, Turkey, and Indonesia.

The Overview of Sharia Principles on BSI Mobile Banking Aziz, Muhammad Abdul; Cahyo, Eko Nur; Labolo, Sultan Nanta Setia Dien
AL- IKTISAB Journal of Islamic Economic Law Vol 6 No 2 (2022)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v6i2.8683

••• English ••• Information technology that has developed so rapidly in recent years has directed the focus of large banks to digital services, including mobile banking. The internet's rapid growth is changing how companies connect with their customers, and the banking business is no exception. Of course, the concept of blessing must be prioritized by every Muslim, especially in banking institutions. This research aims to analyse the BSI Mobile application's existing mobile banking service system. In 2021, Bank Syariah Indonesia (BSI) started to merge 3 (three) Islamic commercial banks in Indonesia, at the same time, to support the development of information technology (especially in banking), BSI has also created a BSI Mobile application to facilitate transactions. This research is qualitative research with a grounded research approach and uses a qualitative descriptive analysis method. However, even though the service system in the BSI Mobile application has met customer needs and is under the basic principles of sharia, many customers or the Muslim community who have not used it do not even know the system and application. Ultimately, it will impact applications that cannot be utilized optimally. Based on the results of research that the researcher have done, the BSI mobile banking service system should emphasize the publication and socialization of BSI Mobile products with various methods, including approaches that use sharia principles because legal regulations will be applied due to threats and legal causes that occur. ••• Indonesian ••• Teknologi informasi yang berkembang begitu pesat dalam beberapa tahun terakhir telah mengarahkan fokus bank-bank besar ke layanan digital, termasuk mobile banking. Pesatnya pertumbuhan internet mengubah cara perusahaan terhubung dengan pelanggan mereka, dan bisnis perbankan tidak terkecuali. Tentunya konsep berkah harus diprioritaskan oleh setiap Muslim khususnya di lembaga perbankan. Penelitian ini bertujuan untuk menganalisis sistem layanan mobile banking yang ada pada aplikasi BSI Mobile. Pada tahun 2021, Bank Syariah Indonesia (BSI) sudah mulai menggabungkan 3 (tiga) bank umum syariah di Indonesia, sekaligus untuk mendukung perkembangan teknologi informasi khususnya di bidang perbankan, BSI juga telah membuat aplikasi BSI Mobile untuk mempermudah transaksi. Penelitian ini merupakan penelitian kualitatif dengan pendekatan grounded research, dan juga menggunakan metode analisis deskriptif kualitatif. Namun, meskipun sistem layanan pada aplikasi BSI Mobile telah memenuhi kebutuhan nasabah dan sesuai dengan prinsip dasar syariah, namun banyak dari nasabah atau masyarakat Muslim yang belum menggunakannya bahkan belum mengetahui sistem dan aplikasi tersebut. Pada akhirnya akan berdampak pada penggunaan aplikasi yang tidak dapat dimanfaatkan secara maksimal. Berdasarkan hasil penelitian yang telah peneliti lakukan, sistem layanan BSI mobile banking dapat meningkatkan publikasi dan sosialisasi produk BSI Mobile dengan berbagai metode termasuk pendekatan yang menggunakan dalil prinsil syariah, karena secara hukum peraturan akan diterapkan karena adanya ancaman dan sebab hukum yang terjadi.

Implementasi Konsep Final Spending Monzer Kahf dalam Meningkatkan Pendapatan Nasional Firdaus, Muhammad Irkham; Pradhana, Theo Aditya; Alafianta, Novan Fatchu; Tifani, M. Akhlis Azamuddin; Aziz, Muhammad Abdul
MUSLIM HERITAGE Vol 8 No 2 (2023): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v8i2.5016

AbstractThe benchmark for improving a country's economy is determined by the amount of national income generated from various sectors. National income is influenced by several factors, namely aggregate demand and supply, investment, consumption, and savings. In order to increase the national income of a country, new instruments are needed in the economic system. The Final spending Monzer Kahf concept offers a new policy that connects factors that affect national income with zakat, infaq, and shadaqah instruments. This study aims to link the concept of Monzer Kahf's final spending with an increase in state income. This type of research is Library Research, where the data sources are taken from books, journal articles, and other documentation. While the method used is a qualitative descriptive method. The results of this study are that the concept of final spending by Monzer Kahf is the final expenditure for a Muslim consumer, spending on needs that are in accordance with maslahah and the obligation to pay zakat-infaq for mustahik zakat. Because with zakat, public consumption will increase, this is because the muzakki will help the needy and poor in meeting their needs, so that it will affect supply and demand, which will also increase national income in a country. AbstrakTolak ukur peningkatan perekonomian suatu negara ditentukan oleh jumlah pendapatan nasional yang dihasilkan dari berbagai sektor. Pendapatan nasional dipengaruhi oleh beberapa faktor, yaitu permintaan dan penawaran agregate, investasi, konsumsi, dan tabungan. Guna meningkatkan pendapatan nasional sebuah negara, maka diperlukan instrumen baru dalam sistem perekonomian. Konsep Final spending Monzer Kahf menawarkan kebijakan baru yang menghubungkan faktor-faktor yang mempengaruhi pendapatan nasional dengan instrumen zakat, infak, dan shadaqah. Penelitian ini bertujuan untuk menghubungkan kosep final spending Monzer Kahf dengan peningkatan pendapatan negara. Jenis penelitian ini adalah Library Research, dimana sumber data yang diambil dari buku, artikel jurnal, dan dokumentasi yang lainnya. Sedangkan metode yang digunakan adalah metode disktiptif kualitatif. Hasil dari penelitian ini adalah bahwa konsep final spending Monzer Kahf adalah pembelanjaan akhir bagi seorang konsumen Muslim, pembelanjaan kebutuhan yang sesuai dengan maslahah dan kewajiban membayar zakat-infak bagi para mustahik zakat. Karena dengan adanya zakat, konsumsi masyarakat akan meningkat, hal ini disebabkan oleh para muzakki akan membantu fakir dan miskin dalam memenuhi kebutuhan, sehingga hal tersebut akan mempengaruhi permintaan dan penawaran, yang sekaligus akan menambah pendapatan nasional dalam suatu negara.

Implementasi Konsep Final Spending Monzer Kahf dalam Meningkatkan Pendapatan Nasional Firdaus, Muhammad Irkham; Pradhana, Theo Aditya; Alafianta, Novan Fatchu; Tifani, M. Akhlis Azamuddin; Aziz, Muhammad Abdul
MUSLIM HERITAGE Vol 8 No 2 (2023): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v8i2.5016

AbstractThe benchmark for improving a country's economy is determined by the amount of national income generated from various sectors. National income is influenced by several factors, namely aggregate demand and supply, investment, consumption, and savings. In order to increase the national income of a country, new instruments are needed in the economic system. The Final spending Monzer Kahf concept offers a new policy that connects factors that affect national income with zakat, infaq, and shadaqah instruments. This study aims to link the concept of Monzer Kahf's final spending with an increase in state income. This type of research is Library Research, where the data sources are taken from books, journal articles, and other documentation. While the method used is a qualitative descriptive method. The results of this study are that the concept of final spending by Monzer Kahf is the final expenditure for a Muslim consumer, spending on needs that are in accordance with maslahah and the obligation to pay zakat-infaq for mustahik zakat. Because with zakat, public consumption will increase, this is because the muzakki will help the needy and poor in meeting their needs, so that it will affect supply and demand, which will also increase national income in a country. AbstrakTolak ukur peningkatan perekonomian suatu negara ditentukan oleh jumlah pendapatan nasional yang dihasilkan dari berbagai sektor. Pendapatan nasional dipengaruhi oleh beberapa faktor, yaitu permintaan dan penawaran agregate, investasi, konsumsi, dan tabungan. Guna meningkatkan pendapatan nasional sebuah negara, maka diperlukan instrumen baru dalam sistem perekonomian. Konsep Final spending Monzer Kahf menawarkan kebijakan baru yang menghubungkan faktor-faktor yang mempengaruhi pendapatan nasional dengan instrumen zakat, infak, dan shadaqah. Penelitian ini bertujuan untuk menghubungkan kosep final spending Monzer Kahf dengan peningkatan pendapatan negara. Jenis penelitian ini adalah Library Research, dimana sumber data yang diambil dari buku, artikel jurnal, dan dokumentasi yang lainnya. Sedangkan metode yang digunakan adalah metode disktiptif kualitatif. Hasil dari penelitian ini adalah bahwa konsep final spending Monzer Kahf adalah pembelanjaan akhir bagi seorang konsumen Muslim, pembelanjaan kebutuhan yang sesuai dengan maslahah dan kewajiban membayar zakat-infak bagi para mustahik zakat. Karena dengan adanya zakat, konsumsi masyarakat akan meningkat, hal ini disebabkan oleh para muzakki akan membantu fakir dan miskin dalam memenuhi kebutuhan, sehingga hal tersebut akan mempengaruhi permintaan dan penawaran, yang sekaligus akan menambah pendapatan nasional dalam suatu negara.

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