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All Journal Jurnal Tabarru': Islamic Banking and Finance Amwaluna Jurnal Ekonomi dan Keuangan Syariah Res Nullius Law Journal Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Coopetition : Jurnal Ilmiah Manajemen International Journal Of Science, Technology & Management (IJSTM) International Journal of Environmental, Sustainability, and Social Science Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Batulis Civil Law Review Koaliansi Jurnal Ilmiah Manajemen dan Ilmu Sosial : Co-Management Jurnal Ilmiah Manajemen dan Ilmu Sosial : Co-Management
Siti Nurhayati
Institut Manajemen Koperasi Indonesia
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TANGGUNGJAWAB NAZHIR KOPERASI SYARIAH SEBAGAI LKS PWU DALAM PENGELOLAAN WAKAF UANG MELALUI APLIKASI FINTECH Siti Nurhayati, Nurjamil
Res Nullius Law Journal Vol 2 No 2 (2020): Volume 2 No 2 2020
Publisher : Fakultas Hukum Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/rnlj.v2i2.3196

Abstract

This research was conducted to determine the form of Islamic cooperative nazhir responsibilities as PWU LKS in the management of waqf especially for a loss case in the management of waqf money. The study was a qualitative analytical study with a normative juridical approach. Data obtained through library research and field research and then analyzed qualitatively. This research was conducted in the city of Bandung, in this case the object of the study was the Sharia Cooperative that had been designated as a nazhir waqf for money by the Indonesian Waqf Board. The study concluded that if problems in the management of waqf money such as the occurrence of problematic financing or NPF, occured due to Nazir errors, either due to deliberate or negligence and / or due to non-consideration of the principle of prudence, then Nazir can be held liable according to the responsibility based on the error (based on error) on fault). This is regulated in the Civil Code (hereinafter abbreviated as the Civil Code) specifically contained in Articles 1365, 1366 and 1367. If some provisions relating to the principle of responsibility based on errors can be proven, Nazirs were required to compensate and return the endowment funds. Conversely, if the problems occured are not due to Nazir's fault, Nazir cannot be held accountable, both morally and legally. Compensation for wakaf assets shall be borne by other parties who cooperate with Nazir as stipulations regarding defaults or acts against the law stipulated in the Civil Registry Keywords: Responsibility, Nazhir Wakaf Money, PWU LKS, Fintech
Problematika Pengembangan Wakaf Uang Melalui Koperasi Syariah di Era 4.0 Inne Risnaningsih; Siti Nurhayati
Jurnal Co Management Vol. 3 No. 1 (2020): Jurnal Ilmiah Manajemen dan Ilmu Sosial : Co-Management
Publisher : IKOPIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/comanagement.v3i1.191

Abstract

Research was conducted to elaborate the development problematics through sharia cooperative as the Sharia financial institution of Waqf money (LKS PWU) in the 4.0 era. The potential waqf of money is not yet rolled out and the maximum benefit is so that waqf of money has not been able to contribute significantly to national development. This research is a qualitative research (qualitative research) that is descriptive normative that is the depiction of the true state based on data obtained either through literature studies and field studies associated with existing laws and regulations. The results concluded that the existence of sharia cooperative in its role as LKS PWU is indeed quite well established with the support of existing legislation with the record of continuing the Repair process (Amendment) to support the development of waqf productivity. However, at the level of practice, it turns out that the authority is not fully usable, so mathematically the potential of waqf money so large has not been maximally absorbed by the LKS PWU on sharia banking institutions and sharia cooperatives where the level of literacy and community inclusion regarding Waqf money is very low plus the preference of community in choosing Sharia cooperative as LKS PWU is also very low so it takes integrated effort involving all stakeholders in raising these three qualifications and The Waqf law to better accommodate the role of LKS PWU including sharia cooperative in bridging the community to Waqf.
URGENSI KUALITAS SUMBER DAYA MANUSIA DALAM PENYALURAN PEMBIAYAAN MUDHARABAH PADA BMT Inne Risnaningsih; Nurjamil Nurjamil; Dadi Nurpadi; Siti Nurhayati; Dewi Mulyani
Jurnal Co Management Vol. 3 No. 2 (2020): Jurnal Ilmiah Manajemen dan Ilmu Sosial : Co-Management
Publisher : IKOPIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/comanagement.v3i2.430

Abstract

Pada dasarnya pembiayaan Mudharabah dirancang sebagai suatu sistem bagi hasil dan prinsip operasional Lembaga Keuangan Syari’ah, namun pada praktiknya penyaluran pembiayaan Mudharabah masih rendah. Hal ini terjadi pada BMT yang menyalurkan pembiayaan Mudharabah hanya 2% sehingga pembiayaan Mudharabah menjadi pembiayaan yang paling rendah penyalurannya dibandingkan dengan pembiayaan yang lain. Penelitian ini dilakukan untuk mendeskripsikan faktor-faktor rendahnya penyaluran pembiayaan Mudharabah pada BMT. Hasil penelitian ini menunjukan terdapat dua faktor yang memengaruhi rendahnya penyaluran pembiayaan Mudharabah pada BMT yaitu faktor internal dan faktor eksternal. Dari ke dua faktor tersebut peneliti menyimpulkan bahwa satu faktor utama yang memengaruhi rendahnya penyaluran pembiayaan Mudharabah ialah faktor internal yaitu karena kualitas sumber daya manusia sebagai pelaku pembiayaan Mudharabah.
FUNDRAISING PEMBIAYAAN ASET WAKAF TANAH PRODUKTIF MELALUI FINANCIAL TECHNOLOGY DALAM PERSPEKTIF TAFSIR HUKUM EKONOMI SYARIAH Nurjamil; Nurhayati, Siti; Anwar, Rosihon; Sholehudin, Ending
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16790

Abstract

Tujuan penelitian ini dilakukan adalah untuk mengeksplorasi hukum pembiayaan asset tanah wakaf produktif melalui platform financial technology dilihat dari perpspektif tafsir hukum ekonomi syariah. Penelitian ini merupakan penelitian kepustakaan (library research) dengan menggunakan pendekatan deskriptif-analitis dimana peneliti mengumpulkan data-data sekunder yang bersumber dari beberapa kitab tafsir, norma hukum positif khususnya Undang-Undang Wakaf, Peraturan Pemerintah tentang Wakaf, Buku ke III Kompilasi Hukum Islam, buku referensi terkait wakaf, dan beberapa jurnal serta hasil penelitian lain yang dipublikasikan yang kemudian dianalisis secara deskriptif untuk menjawab pertanyaan penelitian. Secara umum ayat al-Quran dan Hadits yang berkaitan dengan wakaf hanya memberikan gambaran tentang motivasi atau keutamaan berwakaf dan anjuran mengenai tentang produktifitas wakaf. Jumhur ulama sepakat bahwa wakaf hukumnya adalah sunnah muakkadah. Terkait pemanfaatan technology financial dalam pembiayaan asset wakaf produktif hukumnya diperbolehkan sebagaimana keumuman kaidah tentang asal muamalah adalah boleh yaitu “Al-Ashlu Fii al-Mu’amalati Al-Ibahatu Illa An Yadhulla Addalilu ‘Alaa Tahriimihaa” artinya asal mula setiap muamalah adalah boleh hingga ada dalil yang mengharamkannya.
IMPLEMENTASI NORMA HUKUM EKONOMI SYARIAH PADA PEMBIAYAAN AKAD MUDHARABAH DI BAITUL MAAL WATTAMWIL Nurhayati, Siti; Nurjamil
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(2).21046

Abstract

Penelitian ini bertujuan untuk mengevaluasi implementasi Fatwa DSN MUI No. 07/DSN-MUI/IV/2000 mengenai Pembiayaan Mudharabah di Baitul Maal Wattamwil. Metode penelitian yang digunakan adalah studi kasus dengan analisis deskriptif kualitatif berdasarkan data observasi, wawancara, dan studi kepustakaan. Hasil penelitian menunjukkan bahwa pembiayaan mudharabah merupakan kerjasama di mana shahibul maal menyediakan seluruh modal dan mudharib mengelola usaha dengan pembagian keuntungan yang disepakati. Ada 10 poin norma dalam fatwa tersebut, antara lain pembiayaan sepenuhnya dari LKS, ketentuan pengelolaan dan pembagian keuntungan berdasarkan kesepakatan, serta kewajiban dan hak dari kedua belah pihak. Hasil penelitian menunjukkan bahwa implementasi fatwa umumnya sudah dilakukan dengan baik, kecuali dalam hal penanganan kerugian, di mana BMT belum sepenuhnya menanggung kerugian yang dialami mudharib.
Peluang Dan Tantangan Penerapan Prinsip Syariah Dalam Operasionalisasi Koperasi Merah Putih Nurhayati, Siti; Nurjamil, Nurjamil; Muhammad Iqbal, Eka
Koaliansi : Cooperative Journal Vol. 5 No. 1 (2025): Koaliansi : Cooperative Journal
Publisher : Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/gfjm2t05

Abstract

The implementation of Sharia principles in Koperasi Merah Putih presents significant opportunities to enhance member trust, expand access to Islamic financing, and strengthen governance grounded in fairness and transparency. This study identifies critical challenges, including regulatory disharmony, limited literacy in Sharia contracts, insufficient capacity of Sharia Supervisory Boards, and heightened managerial and financing risks during the transition phase. The analysis reveals that successful implementation requires regulatory harmonization, capacity building for human resources, optimization of Sharia supervisory functions, and integrated risk management. These findings provide strategic insights for developing a sustainable cooperative model that fully embodies Sharia principles in both form and substance. Keywords: Capacity Building, Cooperative Governance, Regulatory Harmonization, Sharia Compliance, Transition Risk
Sharia Cooperatives' Productive Waqf Management Model Through Financial Technology Services in Bandung City Area to Promote The People's Economy Nurjamil; Siti Nurhayati
International Journal of Science, Technology & Management Vol. 2 No. 1 (2021): January 2021
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v2i1.145

Abstract

Waqf continues to develop as a pillar of people's economic power, from the conventional land waqf concept of social and educational facilities to the modern enough stage, now known as cash waqf money, cash waqf linked sukuk (CWLS) and fintech linked to the waqf fundraising process. The aim of this study is to provide an understanding of the legal status of waqf producers, through the use of fintech applications in the context of Law No. 41 of 2004 on Waqf and Law No. 11 of 2008 on Electronic Information and Transactions, and through a processing methodology to find an economic empowerment model for people with productive waqf assets. The study uses a methodology which refers to qualitative legal research. Research findings concluded that Fintech apps are not properly regulated by Waqf of the ITE Law, but are still permitted to be used in the management of cash waqf as long as they are not in breach of the law in force. In the management of waqf, Nazhir shall be liable and may be prosecuted in the event of a loss of waqf properties due to its negligence. Sharía Cooperatives registered as cash waqf nazhir and in cooperation with Bandung City Fintech companies are owned by BMT ITQAN only where they are financed by itqanmobile and involve the Fintceh platform kitawakaf.com with the help of the House Financing Assembly empowerment program for BMT member SMEs with waqf funds and the waqf management models
Co-Authors Dadi Nurpadi Dewi Mulyani Heri Nugraha Inne Risnaningsih Muhammad Haris Fadhillah Muhammad Iqbal, Eka Nurjamil Resmi Sri Utami Rosihon Anwar, Rosihon Sholehudin, Ending