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Dasar Teoritis Dan Filosofis Perbankan Syariah Di Indonesia Dalam Sistem Ekonomi Syariah Sobarna, Nanang; Purwanti, Neli
Coopetition : Jurnal Ilmiah Manajemen Vol. 16 No. 2 (2025): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/dz791h40

Abstract

Islamic banking in Indonesia is part of the Islamic economic system that operates based on Islamic principles, guided by a business philosophy derived from the Qur'an and Hadith, by implementing the principle of fair profit sharing for all parties. This study aims to examine the theoretical and philosophical basis of Islamic banking in Indonesia in the Islamic economic system. This research method is carried out with a qualitative approach, namely research that produces information in the form of descriptive notes contained in the text being studied. The results of the discussion show that Islamic banking is everything related to Islamic banks whose operations are based on Islamic principles both in fundraising products, in financing distribution both with the principles of buying and selling, profit sharing, and leasing, as well as in Islamic bank service products and social service products. From a philosophical perspective, Islamic banking in Indonesia in the Islamic economic system is in accordance with Pancasila, the 1945 Constitution and the Qur'an-Hadith as sources of Islamic principles.
REKONTRUKSI MODEL OPERASIONAL ASURANSI UMUM SYARIAH; STUDI KUALITATIF ATAS IMPLEMENTASI AKAD TABARRU’ Yurahman, LindaMarlinda; Sobarna, Nanang
EKSYDA: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2025): EKSYDA
Publisher : LPPM STAI DARUSSALAM LAMPUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51226/eksyda.v5i2.773

Abstract

The inconsistency between the principle of tabarru' contracts and the operational practices of general sharia insurance in Indonesia remains a crucial issue in the development of the takaful industry. Problems such as the mixing of contract types, the absence of fund separation between participants and operators, and the lack of implementation of maqasid sharia values, create legal uncertainty and reduce the effectiveness of institutions. This study aims to reconstruct the operational system of general sharia insurance with a conceptual approach that prioritises tabarru' contracts and the integration of Maqasid Sharia. The approach used is descriptive qualitative through literature study, referring to the fatwas of DSN-MUI, OJK regulations, fiqh muamalah literature, and scientific articles. The results of the study formulate five main elements of an ideal operational system: clarity of contract structure, a fair contribution system, transparent management of risk and surplus funds, separation of participant and operator funds, and the application of maqasid sharia principles. Overall in the governance of institutions. This finding underscores the importance of formulating a standard operational model that not only complies formally but also substantially reflects the objectives of Sharia. The main contribution of this research is to provide a theoretical foundation and practical input for the development of national operational policies for the Sharia insurance industry.
Peran Keuangan Syariah Dalam Mendorong Pertumbuhan Ekonomi Dan Inklusi Keuangan Di Indonesia Sobarna, Nanang; Salsabila, Alya; Sholihatunnisa, Sholihatunnisa
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2025): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/h1bb9652

Abstract

The Islamic financial system is crucial for driving economic growth in developing countries like Indonesia. Through its functions as a fund intermediary, liquidity provider, investment financing, and risk management, the financial system plays a strategic role in driving a country's economic growth. Based on the principles of justice and the prohibition of usury, the Islamic financial system has the potential to drive economic growth and financial inclusion in Indonesia. The purpose of this study is to uncover the role of the Islamic financial system in promoting inclusive economic development in Indonesia. This study employed a qualitative methodology involving the use of descriptive analytical techniques. Data were collected through literature research from accredited national journals, indexed international journals, and other relevant sources. Research shows that Islamic financial assets in Indonesia will increase by 12.48% annually, reaching IDR 2,756.45 trillion by June 2024. The current market share of Islamic finance is 11.41%. This demonstrates public interest in Islamic financial products. Furthermore, as of June 2024, the collection of zakat, infaq, sadaqah, and other social funds reached IDR 26.1 trillion, indicating significant growth in Islamic social funds. To maximize the role of Islamic finance in driving Indonesia's economic growth, all stakeholders must work together to improve financial literacy and inclusion, and strengthen regulations, so that the goal of building an inclusive and equitable economy can be achieved. Keywords: Islamic Financial System, Economic Growth, Financial Inclusion
Sosialisasi dan Penyuluhan Pra Koperasi dalam Upaya Meningkatkan Ekonomi Desa Melalui Koperasi di Desa Banyuasih Kecamatan Tanjungkerta Kabupaten Sumedang Sobarna, Nanang; Prayusniar, Fadya; Azizah, Nurul; Hidayatullah, Kikin; Mira, Mira; Karsidi, Karsidi
E-Coops-Day Vol. 6 No. 2 (2025): E-Coops-Day : Jurnal Ilmiah Abdimas
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/qj22b483

Abstract

Koperasi merupakan instrumen strategis dalam pemberdayaan ekonomi masyarakat desa, namun pemahaman dan partisipasi masyarakat di Desa Banyuasih, Kecamatan Tanjungkerta, Kabupaten Sumedang masih rendah. Kegiatan pengabdian ini bertujuan meningkatkan pengetahuan, keterampilan, dan motivasi masyarakat dalam tahap pra koperasi sebagai fondasi pembentukan koperasi yang sehat dan berkelanjutan. Metode yang digunakan meliputi sosialisasi, penyuluhan, simulasi pembentukan koperasi, diskusi kelompok, serta evaluasi melalui pre-test dan post-test. Kegiatan dilaksanakan selama satu hari dengan melibatkan peserta dari berbagai unsur masyarakat desa. Hasil dari kegiatan ini menunjukkan peningkatan pengetahuan peserta dari rata-rata 40% menjadi 85%, serta terbentuknya kelompok kerja pra koperasi yang aktif menyusun draft anggaran dasar dan anggaran rumah tangga koperasi. Selain itu, motivasi masyarakat untuk berwirausaha melalui koperasi meningkat signifikan. Dampak kegiatan ini membuktikan efektivitas sosialisasi dan penyuluhan pra koperasi dalam meningkatkan literasi koperasi dan menjadi modal sosial penting dalam pengembangan ekonomi desa. Rekomendasi lanjutan adalah pendampingan berkelanjutan untuk memastikan keberhasilan pembentukan koperasi dan pengembangan usaha bersama.
Konsep Penerapan Akad Mudharabah Pada Sistem Operasional Asuransi Syariah Tito, Luki; Sobarna, Nanang
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Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almultazim.v5i1.25836

Abstract

This research aims to analyze the concept of mudharabah contract in the operational system of Islamic insurance. The mudharabah contract is one of the main principles in Islamic economics used in the management of funds between the policyholder (shahibul maal) and the insurance company (mudharib). Using the literature study method, this research examines relevant literature on the implementation of the mudharabah contract in Islamic insurance, including the profit-sharing mechanism, the responsibilities of each party, and compliance with Sharia principles. The research results show that the mudharabah contract in Islamic insurance provides a more just and transparent alternative compared to the conventional insurance system. However, the challenges in its implementation include regulatory aspects, transparency in fund management, and protection of policyholders' rights. Therefore, the optimization of the application of mudharabah contracts in Islamic insurance requires synergy between financial institutions, regulatory authorities, and policyholders to ensure compliance with Sharia principles and to enhance public trust in the Islamic financial system.
Implementation of Corporate Social Responsibility in Sharia Cooperatives in Implementing Cooperative Social Functions Nanang Sobarna; Dady Nurpadi
J-Coop : Journal of Co-operative Vol. 1 No. 1 (2025): J-Coop : Journal of Co-operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v1i1.4

Abstract

This research aims to examine the implementation of Corporate Social Responsibility (CSR) in sharia cooperatives and how this supports the social function of cooperatives. CSR in sharia cooperatives plays an important role in creating sustainable added value for society, especially with the existence of sharia principles which focus on general welfare. This research uses a qualitative approach with a library study method, collecting data from various sources of accredited national journals and indexed international journals. The research results show that sharia cooperatives implement CSR through various social initiatives such as education, economic empowerment, and support for the welfare of members and communities. Effective implementation of CSR contributes to strengthening the social role of sharia cooperatives, creating a more harmonious relationship between cooperatives and the community, and increasing member loyalty. These findings provide insight that CSR based on sharia values not only fulfills social responsibility but can also strengthen the image of cooperatives and support local economic sustainability goals. Therefore, sharia cooperatives are expected to continue to develop CSR programs that are in line with sharia principles to maximize social and economic impacts for the community.
Analisis Ayat-Ayat dalam Al-Qur’an Tentang Hukum Ibadah dan Muamalah Sobarna, Nanang
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 7 No. 2 (2026): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/rygzs904

Abstract

The Qur'an is a source of law in Islam in determining a law for a case. In the Al-Qur'an there is a classification of verses, namely verses regarding worship and muamalah. In the study of ushul fiqh, the Qur'an is the object of study of ushul fiqh in the sense of being a source of law. So that every discussion of the Koran in the science of Ushul Fiqh is intended to produce fiqh laws. Problems in the field of religious law and especially in the field of muamalah have emerged quite a lot in accordance with developments over time, making it interesting to discuss as an object of study on ushul fiqh. The verses or arguments regarding worship and muamalah themselves are references so that they can be used as references for mujtahids in determining laws regarding problems that arise. The aim of this research is to analyze the views of ushul fiqh in the verses of the Qur'an regarding the laws of worship and muamalah. So that the verses regarding the laws of worship and muamalah become references and considerations in every legal determination. The method used in this research uses a qualitative approach, with the type of library research. The results of the discussion in this research are that ushul fiqh is inherent in the establishment of laws that adhere to dilalah or lafazh expressions both in verses about the law of worship and muamalah. If the word is command or amr then the law becomes mandatory. The use of sadd adz-dzari'ah rules in the muamalah verse contains a form of caution, and the use of ijma in muamalah is solely to achieve the benefit of human life. Keywords: Law of Worship Verses, Muamalah Verses, Ushul Fiqh.
Nanang Sobarna Analisis Penerapan Maqashid Syariah Dalam Penyaluran Pembiayaan Pada Koperasi Syariah Sobarna, Nanang; Nurpadi, Dady; Nurafifah, Gina; Nurjaman, Jeni
J-Coop : Journal of Co-operative Vol. 2 No. 1 (2026): J-Coop : Journal of Co-operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v2i1.43

Abstract

This research aims to analyze the application of maqashid sharia in the distribution of financing in sharia cooperatives in Indonesia. Maqashid syariah, which is the main objective of sharia, focuses on the protection and enhancement of community welfare through principles of justice and balance in transactions. This research uses a qualitative approach with a literature study method. The research results show that Islamic cooperatives have implemented the principles of maqashid sharia in various aspects of financing distribution, such as in the selection of appropriate financing products, risk management, and transparency. Additionally, this research also identifies supporting and inhibiting factors in the implementation of maqashid sharia, as well as its impact on the welfare of cooperative members. These findings provide recommendations to enhance members' understanding of sharia finance and the need for better regulatory support for sharia cooperatives, in order to optimally achieve the goals of maqashid sharia.