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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.

META ANALYSIS OF THE EFFECT OF CLASSROOM MANAGEMENT ON STUDENT LEARNING OUTCOMES IN ELEMENTARY SCHOOLS Zahrotun Nafisah; Nafiah; Muhammad Thamrin Hidayat; Sri Hartatik
Primary: Jurnal Pendidikan Guru Sekolah Dasar Vol. 9 No. 4 (2020): August
Publisher : Laboratorium Program Studi Pendidikan Guru Sekolah Dasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33578/10.33578/jpfkip.v9i4.7984

Classroom management is very important in the teaching and learning process with proper and appropriate classroom management, students will feel comfortable and happy when receiving learning materials so that learning outcomes are expected to be better with proper management; therefore, an educator is expected to master management class well. The purpose of this study was to analyze the effect of classroom management on student learning outcomes in elementary schools. The research method used was the type of meta-analysis research which data collection techniques carried out by using documentation techniques in the form of articles that are on Google Scholar. Data analysis technique used was to use comparative analysis. The results showed the influence of classroom management on student learning outcomes in elementary schools had a positive and significant effect with a percentage level of 77.8% of the results of the analyzed articles had a positive effect, while 22.2% of the results of the analyzed research stated that there was no effect because there were other factors that affected student learning outcomes not from classroom management by the teacher. The recommendations of this study are 1) teachers should master the proper classroom management, good and in accordance with students so that they can improve elementary student learning outcomes, 2) for other researchers, there should be further research related to the results of this study so that it can be used as a basis further research.

Analisis Kelayakan Anggota Dalam Pembiayaan Qardh Bisyarti Rahni di KSPPS-BMT Lima Satu Cabang Kedung Anggisna Laila Nurrahmawati; Ahmad Fauzan Mubarok; Zahrotun Nafisah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i05.18262

This study aims to analyze the eligibility of members in Qardh Bisyarti Rahni financing at KSPPS BMT Lima Satu Kedung Branch using the 6C assessment (Character, Capacity, Capital, Collateral, Condition of economy and Compliance). The research method used is descriptive qualitative, with data collection through in-depth interviews, documentation, and direct observation. The results of the study indicate that the eligibility of members in this financing is influenced by several factors, including financial capacity, previous financing history, and members' commitment to sharia principles that avoid usury, gharar and maysir. BMT Lima Satu not only provides funds effectively to support the utilization of financing by members. In addition, this institution implements strict procedures to ensure compliance with sharia principles. This research is expected to contribute to the development of more effective and efficient sharia financing products in the future, as well as improving the welfare of members through responsible financing access.

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 | DOI: 10.47467/elmal.v6i4.7308

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.

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