Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal IJOIS: Indonesian Journal of Islamic Studies Niqosiya: Journal of Economics and Business Research
Choirul Daroji
Institut Agama Islam Negeri Ponorogo
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Analisis Sistem Pinjaman Qardhul Hasan Bank Ziska Kabupaten Ponorogo dalam Pandangan Fatwa DSN-MUI Choirul Daroji; Yana Dwi Christanti
IJoIS: Indonesian Journal of Islamic Studies Vol. 3 No. 1 (2022): Indonesian Journal of Islamic Studies
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/ijois.v3i1.111

Abstract

Ziska Bank is a bank within the meaning of Banking Law no. 10 of 1998 and the Sharia Banking Law no. 21 2008, but Bank Ziska is a financial aid based on Zakat, Infaq, Shodaqoh and other religious social funds. Bank Ziska is an East Java LazisMu program for tasharuf zakat, infaq and shodaqoh funds as well as other religious social funds (Ziska) which are specially managed to empower micro, micro, small businesses and small farmers. The main operation of Ziska Bank is to channel qardul hasan credit to Ziska Bank partners. Ziska Bank is not allowed to raise funds except through Lazismu or Lazismu Service Office (KLL). Qordhul Hasan is a loan without any fees. the customer only pays the principal fee at maturity according to the agreement. This study uses a descriptive analysis method by identifying from various sources including books, journals, websites, al-Qur'an, Hadith so that it can be described that the qordhul hasan credit program at Bank Ziska is in accordance with the DSN-MUI fatwa on qardh. From the results of this study, it can be said that Bank Ziska's qardhul hasan credit program is an oasis for the lower middle class in order to escape from the bondage of moneylenders.
Penerapan Strategi Bertahan Hidup Terhadap Tekanan Ekonomi Pengrajin Gerabah Desa Purwoasri Pacitan Fina Nasikhatul Ula; Choirul Daroji
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 1 (2024): Januari-Juni 2024
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i01.3145

Abstract

The people of Purwoasri Pacitan Village use pottery as a livelihood to meet their daily needs. The pottery artisans continue to survive even though their income from selling pottery is insufficient to meet their living needs. This research analyzes pottery artisans' active, passive, and network strategies in Purwoasri Village, Kebonagung Pacitan District. This research uses qualitative research methods, and type research is field research, and data obtained through interviews, observation, and documentation; the analysis method in this research is phenomenology, namely by analyzing the survival strategies experienced by pottery artisans in Purwoasri Village, Kebonagung District, Pacitan. The results of this research are (1) Active strategies experienced by families of pottery craftsmen, namely looking for side jobs by becoming construction workers, agricultural laborers, farmers and casual workers. (2) The passive strategy experienced by pottery artisans is to adopt a culture of frugal living. If they make much profit or their economic conditions are good, they go to the health center with KIS or BPJS, and buy medicine at the pharmacy when they are sick. (3) The network strategy experienced by pottery artisans generally borrows money from relatives, neighbors, and cooperatives, and some also borrow money from banks.
Co-Authors Christanti, Yana Dwi Fina Nasikhatul Ula