Garuda - Garba Rujukan Digital

Childfree Dalam Perspektif Islam Dan Sosial, Dan Implikasinya Terhadap Ketahanan Keluarga Alfa Syahriar; Zahrotun Nafisah; Dhania Murni Safitri; Muhammad Ichsan Nur Hanif
Isti`dal : Jurnal Studi Hukum Islam Vol 10, No 1 (2023): Islamic Law
Publisher : Faculty of Sharia and Law Universitas Islam Nahdlatul Ulama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/ijshi.v10i1.4937

This research is intended to examine the effectiveness of childfree from an Islamic and social perspective, then examine its implications for family resilience, when childfree becomes the choice of husband and wife in building a household. The study of childfree in Islam needs to be carried out with the consideration that the majority of Indonesia's population is Muslim, so that childfree conflicts with Islamic teachings in the form of marriage, which in essence is to produce offspring. Likewise, in the social realm, there has been a paradigm of society since ancient times, more children, more good fortune, so that it becomes a general understanding that the measure of a family's welfare is heredity, in fact the more offspring the more prosperous it will be. Therefore, this research was conducted using a qualitative approach with the literature study method. In the context of Islamic law, researchers use the maqasid al-shariah theory, while in the social context, they use the theory of structural functionalism. Data analysis in this study used the Miles and Hubberman analysis technique. The results of this study: 1) the basic law of childfree is mubah (permissible), it's just that it doesn't meet the ideal values for a family. 2) Socially, the consequence of childfree is the shallowing of family functions, which has an impact on social functions in society. 3) In the dimensions of the legality of family integrity and social psychology, it can be seen that childfree can affect family resilience.

Pengaruh Tingkat Pengetahuan dan Persepsi Karyawan PT. PWI Terhadap Minat pada Lembaga Keuangan Syariah : (Studi Karyawan PT Parkland Word Indonesia) Ayuk Widiyah; Miswan Ansori; Zahrotun Nafisah
AKUNTANSI 45 Vol. 5 No. 2 (2024): Jurnal Ilmiah Akuntansi
Publisher : Fakultas Ekonomi Program Studi Akuntansi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/akuntansi45.v5i2.3399

This study aims to analyze the influence of the level of knowledge and perception of employees at PT Parkland World Indonesia (PWI) on their interest in Islamic financial institutions. PT PWI, a foreign investment company in Jepara with a workforce of 16,418 employees, presents a diverse background that can provide valuable insights into perceptions of Islamic financial institutions. Previous research indicates that knowledge and perception have a relationship with interest in Islamic financial institutions. This study employs a survey approach with a quantitative method using a multiple linear regression analysis. The sample is drawn using Slovin's formula, and data are collected through questionnaires filled out by PT PWI employees. The results show that the level of employee knowledge does not significantly influence their interest in Islamic financial institutions, with a p-value of 0.163. Conversely, employee perception has a significant impact, with a p-value of 0.000. Simultaneously, knowledge and perception significantly affect employees' interest in Islamic financial institutions. These findings suggest that while knowledge does not greatly influence interest, a positive perception of Islamic financial institutions can enhance employees' interest in using their products and services.

Analisis Faktor-Faktor Peminatan Masyarakat Desa Mindahan Kecamatan Batealit Terhadap Produk Pembiayaan Dan Tabungan Di Bank Syariah Fitri Novita Sari; Wahidullah; Zahrotun Nafisah
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 1 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i1.3544

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi peminatan masyarakat Desa Mindahan, Kecamatan Batealit, Kabupaten Jepara terhadap produk pembiayaan dan tabungan bank syariah. Penelitian menggunakan metode kualitatif dengan teknik wawancara mendalam, observasi, dan dokumentasi. Sebanyak 15 responden dipilih secara purposive sampling berdasarkan kriteria tertentu, seperti pengalaman dengan layanan perbankan Syariah. Hasil penelitian menunjukkan bahwa rendahnya minat masyarakat dipengaruhi oleh tiga faktor utama yaitu: (1) kurangnya pemahaman terhadap prinsip syariah, (2) aksesibilitas layanan yang terbatas, dan (3) stigma negatif terhadap bank syariah. Selain itu, prosedur administrasi yang dianggap rumit dan kurangnya promosi juga menjadi kendala utama. Penelitian ini merekomendasikan peningkatan edukasi finansial, strategi promosi berbasis digital, serta penguatan kepercayaan melalui kolaborasi dengan tokoh masyarakat. Kata Kunci: minat, pembiayaan, tabungan, bank syariah, literasi keuangan

Risiko Strategi Jemput Bola pada Produk Simpanan Sembako (SIMKO) di KSPPS Artha Yasmin Az-zahra Jepara Ulyatin Nasiroh; Wahidullah; Zahrotun Nafisah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25750

Penelitian ini bertujuan untuk menjelaskan risiko strategi jemput bola yang diterapkan di KSPPS Artha Yasmin Az-zahra Jepara. Penelitian ini menggunakan metode pendekatan kualitatif. Dalam Strategi jemput bola sangat diminati oleh koperasi dan masyarakat karena jemput bola yang dilakukan koperasi memudahkan masyarakat untuk melakukan transaksi ke koperasi. Jemput bola juga bisa meringankan masyarakat untuk Tidak perlu pergi ke kantor karena bisa dikerjakan di rumah atau di pasar. Dari hasil penelitian yaitu adanya risiko yang dialami, strategi yang telah ditentukan untuk produk. Dalam pada produk simpanan sembako ini masyarakat juga sangat senang adanya produk ini karena produk simpanan sembako ini. Koperasi juga mengalami risiko yang berupa keterlambatan pembayaran. penting bagi KSPPS untuk melakukan evaluasi berkala dan perbaikan dalam pelaksanaan strategi guna memastikan keberlanjutan dan pertumbuhan koperasi di masa depan.

Analisis Peran Manajemen Risiko pada Produk Gadai Emas di Pegadaian Syariah Ngabul Jepara Shofi’atun Ni’mah; Wahidullah; Zahrotun Nafisah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 4 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Sharia Pawnshop is a financial institution that provides pawn services based on sharia principles, including gold pawning products that carry specific risks. This study aims to analyze the risk management applied to gold pawning products at the Sharia Pawnshop in Ngabul Jepara. The research method used is a qualitative approach with a descriptive analysis. Data were collected through in-depth interviews with Sharia Pawnshop officials, direct observations, and literature studies from various relevant sources. The study results indicate three main types of risks in gold pawning products: market risk, credit risk, and operational risk. Market risk is related to gold price fluctuations that may affect the collateral value. Credit risk arises from potential customer defaults, while operational risk stems from errors in transaction processes and gold appraisal. The Ngabul Jepara Sharia Pawnshop has implemented risk mitigation strategies, such as strict customer evaluations, adjusting collateral value based on current gold prices, and strengthening internal supervision. The study concludes that effective risk management is essential to maintaining the stability and sustainability of Sharia Pawnshop operations. The findings of this study can serve as a reference for developing more optimal risk mitigation strategies in Islamic financial institutions.

Kesesuaian Syariah Simpanan Sembako Terhadap Akad Wadiah di KSPPS Artha Yasmin Az-Zahra Jepara dalam Perspektif Fatwa DSN-MUI Nomor 02/DSN-MUI/IV/2000 Sukma Dewi Pratama; Ahmad Fauzan Mubarok; Zahrotun Nafisah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 4 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i4.7527

Basic food items such as rice, eggs, sugar, and milk play a crucial role in people's lives, especially during the month of Ramadan, when demand for these commodities increases significantly. This condition encourages the habit of storing food, which then gives birth to innovations in basic food savings products in Islamic financial institutions. This study aims to examine the application of the wadiah contract in basic food savings products at the Artha Yasmin Az Zahra Sharia Savings and Loans and Financing Cooperative (KSPPS), with reference to the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) Number 02/DSN-MUI/IV/2000. The research method used is qualitative descriptive, with data collection techniques through interviews, observations, and documentation studies. The results of the study indicate that KSPPS Artha Yasmin Az Zahra applies the wadiah contract in the form of pure deposits, where the funds deposited by members are used to buy basic food items which will later be returned according to the agreed agreement. Although the implementation of the wadiah contract is in accordance with the provisions of the DSN-MUI fatwa, there are still obstacles, such as the lack of transparency in conveying information about the contract to members, which has the potential to affect their level of trust in this product. This study is expected to provide useful insights for KSPPS managers in improving the governance of basic food savings to be more in accordance with sharia principles and more transparent for its members.

Analisis Pemahaman Akad Qordh pada Pinjaman Multiguna di KSPPS Guna Lestari Cabang Troso Siti Kumairoh; Wahidullah; Zahrotun Nafisah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i5.7845

This study aims to analyze the understanding of KSPPS Guna Lestari Jaya members regarding the qordh contract in multipurpose loans and the efforts made by the cooperative to improve this understanding. The qordh contract is an interest-free loan contract which is one of the superior products of sharia cooperatives, but members' understanding of this concept is still limited. Based on the results of the study, it was found that although most members understand that the qordh contract is an interest-free loan, they still do not understand the provisions and mechanisms for its repayment. KSPPS Guna Lestari Jaya has made various educational efforts and utilized social media as information material to improve members' understanding. Although this program is less effective, there are still obstacles related to time and lack of interest from members to understand. This study suggests that cooperatives continue to develop flexible technology-based education methods so that they are more easily accessible to members. Thus, it is hoped that members' understanding of the qordh contract will increase and more transparent and fair transactions will be created.

Representasi Perjuangan Hidup dalam Novel Dompet Ayah Sepatu Ibu Karya JS Khairen Zahrotun Nafisah; Alfian Setya Nugraha
Jurnal Ilmu Pendidikan, Sains dan Humaniora Vol. 2 No. 1 (2025): Juni 2025
Publisher : Fakultas Ilmu Pendidikan Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jipsara.v2i1.9043

Penelitian ini bertujuan untuk mengkaji representasi perjuangan hidup dalam novel Dompet Ayah Sepatu Ibu karya JS Khairen dengan menggunakan teori Semiotika Ferdinand de Saussure. Melalui pendekatan deskriptif kualitatif, analisis difokuskan pada tanda-tanda berupa aktivitas, dialog, dan simbol yang menggambarkan kerja keras, pengorbanan, serta solidaritas keluarga dalam menghadapi keterbatasan ekonomi dan tantangan hidup. Konsep penanda dan petanda digunakan untuk mengungkap makna di balik tindakan dan pengalaman tokoh utama, sehingga terindentifikasi nilai-nilai ketekunan, harapan, dan semangat pantang menyerah. Hasil penelitian menunjukkan bahwa novel ini tidak hanya merefleksikan realitas sosial masyarakat Indonesia, tetapi juga memberikan inspirasi moral bagi pembaca tentang pentingnya perjuangan dan kebersamaan dalam meraih masa depan yang lebih baik.

Analisis Peran Manajemen Risiko pada Produk Gadai Emas di Pegadaian Syariah Ngabul Jepara Shofi’atun Ni’mah; Wahidullah; Zahrotun Nafisah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i4.7523

Sharia Pawnshop is a financial institution that provides pawn services based on sharia principles, including gold pawning products that carry specific risks. This study aims to analyze the risk management applied to gold pawning products at the Sharia Pawnshop in Ngabul Jepara. The research method used is a qualitative approach with a descriptive analysis. Data were collected through in-depth interviews with Sharia Pawnshop officials, direct observations, and literature studies from various relevant sources. The study results indicate three main types of risks in gold pawning products: market risk, credit risk, and operational risk. Market risk is related to gold price fluctuations that may affect the collateral value. Credit risk arises from potential customer defaults, while operational risk stems from errors in transaction processes and gold appraisal. The Ngabul Jepara Sharia Pawnshop has implemented risk mitigation strategies, such as strict customer evaluations, adjusting collateral value based on current gold prices, and strengthening internal supervision. The study concludes that effective risk management is essential to maintaining the stability and sustainability of Sharia Pawnshop operations. The findings of this study can serve as a reference for developing more optimal risk mitigation strategies in Islamic financial institutions.

Dampak Pembiayaan BMT Bintang Songo Berkah Pada Pendanaan Pendidikan Anak Erny Nur'Aini; Ahmad Fauzan Mubarok; Zahrotun Nafisah
Sharef: Journal of Sharia Economics and Finance Vol 3 No 2 (2025): Journal of Sharia Economics and Finance Vol. 3 No. 2 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jsef.v3i2.1376

Penelitian ini bertujuan untuk mengetahui dampak layanan pembiayaan di BMT Bintang Songo Berkah Pecangaan terhadap pendanaan pendidikan anak. Topik ini penting mengingat banyak keluarga yang kesulitan dalam membiayai pendidikan anak. Penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data primer melalui wawancara, observasi, dan dokumentasi, serta data sekunder dari skripsi, jurnal, buku ajar, dan website. Metode analisis yang digunakan adalah studi kasus dan deskriptif, dengan sampel 15 informan, terdiri dari 12 anggota dan 3 pegawai BMT. Pengambilan sampel dilakukan dengan teknik snowball sampling. Hasil penelitian menunjukkan bahwa sebelum menggunakan layanan pembiayaan, anggota BMT mengalami kesulitan finansial seperti manajemen keuangan yang buruk, tunggakan biaya sekolah, dan kesulitan membeli kebutuhan sekolah anak. Setelah menggunakan layanan, anggota merasakan dampak positif di bidang ekonomi, keluarga, dan pribadi, seperti keuangan yang lebih teratur, peningkatan kesejahteraan keluarga, serta kemajuan dalam pendidikan anak. Bagi BMT, layanan pembiayaan membantu meningkatkan modal, keuntungan, dan pengelolaan keuangan, serta menarik lebih banyak anggota. Kesimpulannya, layanan pembiayaan BMT memberikan dampak signifikan bagi anggota dalam mendukung pendidikan anak dan meningkatkan kemajuan ekonomi keluarga. Hal ini menunjukkan pentingnya akses pembiayaan yang mudah dan terjangkau bagi masyarakat.

Title

Found 11 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 11 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 11 Documents
Search