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All Journal MODELING: Jurnal Program Studi PGMI 'Anil Islam: Jurnal Kebudayaan dan Ilmu Keislaman El-Barka: Journal of Islamic Economics and Business ACTIVA: Jurnal Ekonomi Syariah Dirasah : Jurnal Studi Ilmu dan Manajemen Pendidikan Islam Proceedings of Annual Conference for Muslim Scholars El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Jendela Pendidikan Velocity: Journal of Sharia Finance and Banking Al-Buhuts (e-journal) Wadiah : Jurnal Perbankan Syariah Qawanin: Journal of Economic Syaria Law Al-Maqashid: Journal of Economics and Islamic Business Investama : Jurnal Ekonomi dan Bisnis Bukhori: Kajian Ekonomi dan Keuangan Islam Velocity: Journal of Sharia Finance and Banking Istithmar: Jurnal Studi Ekonomi Syariah JUPARITA: Jurnal Pariwisata Tawangmangu Krigan: Journal of Management and Sharia Business Jurnal Manajemen dan Pemasaran

Nurul Fatma Hasan

Universitas Islam Negeri Sunan Ampel Surabaya

Author-ID : 4202223

Religion Arts Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Religiusitas Dan Perilaku Konsumsi Perspektif Islam (Studi Pada Masyarakat Perantau Madura) Nurul Fatma Hasan
ACTIVA: Jurnal Ekonomi Syariah Vol 1 No 1 (2018): April
Publisher : LP3M STITNU Al Hikmah Mojokerto

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

Tujuan penelitian ini adalah menganalisis representasi identitas keagamaan (religiusitas) dalam perilaku konsumsi masyarakat perantau Madura kemudian menganalisis perilaku konsumsi masyarakat perantau Madura tersebut berdasarkan perspektif Islam. Jenis penelitian ini adalah penelitian kualitatif dengan pendekatan fenomenologi. Penelitian kualitatif berangkat dari fenomena yang ditemukan di lapangan kemudian dikembangkan pemahaman secara mendalam, alamiah, melibatkan konteks secara penuh, dan data dikumpulkan langsung dari informan langsung. Informan yang diambil adalah masyarakat perantau asal Desa Panyaksagan, Bangkalan, Madura. Hasil penelitian menunjukkan bahwa religiusitas masyarakat etnis Madura telah dikenal luas berpegang teguh pada tradisi dan ajaran Islam dalam menapak realitas kehidupan sosial budayanya. Namun representasi religiusitas (identitas keagamaan) ini belum sepenuhnya diterapkan dalam perilaku konsumsi masyarakat perantau Madura. Perilaku konsumsi masyarakat perantau Madura adakalanya belum sesuai dengan prinsip Islam. Perilaku konsumsi yang seharusnya didominasi oleh motif maslahah, kebutuhan, dan kewajiban terkadang masih dipengaruhi oleh ego, rasionalisme (materialisme), dan keinginan-keinganan yang bersifat individualistis. Kata kunci: religiusitas, perilaku konsumsi.

Analisis Kinerja Perbankan Syariah (Implementasi Maqasid al-Syari‘ah Index di PT BPRS Jabal Nur) Nurul Fatma Hasan
'Anil Islam: Jurnal Kebudayaan dan Ilmu Keislaman Vol 10 No 1 (2017): Ekonomi Islam Nusantara
Publisher : Institut Ilmu Keislaman Annuqayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (694.456 KB)

This study aims to analyze the implementation of maqa>s}id al-syari>‘ah index in measuring the performance of PT BPRS Jabal Nur and analyze the performance of PT BPRS Jabal Nur based on maqa>s}id al-syari>‘ah index. This research includes in the type of descriptive quantitative research, the data used is secondary data, derived from the annual report of PT BPRS Jabal Nur in 2010-2014. The results show that maqa>s}id al-syari>‘ah index can be implemented to measure the performance of PT BPRS Jabal Nur. However PT BPRS Jabal Nur does not implement all the indicators mentioned in maqa>s}id al-syari>‘ah index. PT BPRS Jabal Nur only runs education grant & training indicators, publicity, fair return, funcional distribution, interest free income, profit ratios, and personal income. PT BPRS Jabal Nur does not run research and investment indicators in real sector. The obstacles in implementing maqa>s}id al-syari>‘ah index is sourced from the factor of unavailability data. The value of maqa>s}id al-syari>‘ah that achieved by PT BPRS Jabal Nur is fluctuating. In 2010, the value of maqa>s}id al-syari>‘ah index of PT BPRS Jabal Nur reached 0.28301, in 2011 reached 0.30293, in 2012 reached 0.31376, in 2013 reached 0.30309, and in 2014 reached 0.30255. The average value maqa>s}id al-syari>‘ah index of PT BPRS Jabal Nur in 2010-2014 is 0.3010.

Efektivitas Penggunaan Dana Bantuan Pendidikan Nurul Fatma Hasan
MODELING: Jurnal Program Studi PGMI Vol 4 No 1 (2017): Maret
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (397.469 KB)

Penelitian inibertujuan untuk menganalisis efektivitas penggunaan dana bantuan pendidikan di SDN Jogosatru, Sidoarjo. Penelitian dilakukan dengan menggunakan metode deskriptif-kualitatif.Objek penelitian adalah siswa peserta Program Indonesia Pintar (PIP) dari keluarga peserta Program Keluarga Harapan (PKH) yang berjumlah 50 siswa. Metode pengumpulan data menggunakanmetode angket dan wawancara. Berdasarkan hasil penelitian terhadap siswa peserta PIP dari keluarga peserta PKH di SDN Jogosatru Sidoarjo, tercatat 56% dari peserta PIP yang menggunakan hanya sebagian dana bantuan PIP untuk keperluan pendidikan. Sedangkan untuk dana bantuan melalui PKH, tercatat 60% dari peserta PKH yang menggunakan hanya sebagian dana bantuan PKH untuk keperluan pendidikan dan kesehatan. Dengan demikian, disimpulkan bahwa penggunaan dana bantuan pendidikan dari pemerintah baik melalui Program Indonesia Pintar maupun melalui Program Keluarga Harapan kurang efektif. Bantuan pendidikan dari pemerintah tidak tepat sasaran dan sebagian disalahgunakan. Penyalahgunaan dana pendidikan ini terjadi karena beberapa faktor, yaitu kurangnya perhatian orang tua terhadap kebutuhan anak, kurangnya kesadaran orang tua akan pentingnya pendidikan anak, faktor pendidikan orang tua yang rendah, faktor ekonomi orang tua yang lemah, perilaku konsumtif orang tua, kurangnya edukasi dari pemerintah tentang tujuan dan sasaran dana bantuan yang diberikan, serta manajemen keuangan yang buruk.

Performance of Indonesian Sharia Rural Bank During Covid-19 Pandemic: A Descriptive Analysis Nurul Fatma Hasan
Velocity: Journal of Sharia Finance and Banking Vol. 2 No. 1 (2022): May 2022
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, UIN KH Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v2i1.5192

This article aims to analyze the performance of Indonesian Sharia Rural Bank during Covid-19 Pandemic. This research took descriptive-quantitative approach of financing composition and financial ratios of Sharia Rural Banks in Indonesia. The data is taken from secondary source, that is Sharia Banking Statistics of 2018-2021. The results show that financing composition by Sharia Rural Banks are still dominated by non-PLS financing. The the financial performance of Indonesian Sharia Rural Bank during the Covid-19 Pandemic was relatively good. Although the number of Sharia Rural Bank has decreased from 167 in 2018 to 163 in November 2021, but all indicators (CAR, ROA, ROE, NPF, and FDR) are still in accordance with Financial Services Authority standards.

Maqasid Al-Shariah V.S. Lifestyle (Menyikapi Budaya Konsumerisme Masyarakat Indonesia Jaman Now) Nurul Fatma Hasan
Proceedings of Annual Conference for Muslim Scholars No Series 1 (2018): AnCoMS 2018: Book Series 1
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

(XXx) MENYIKAPI BUDAYA

HYBRID CONTRACT: KONSTRUKSI AKAD DALAM PRODUK PERBANKAN SYARIAH Nurul Fatma Hasan
WADIAH Vol. 1 No. 2 (2017): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

The innovation of Islamic Bank’s products is an indicator of the ability of Islamic bank to adapt with the needs of modern human being. Basically, Islamic bank has been done some of innovation efforts, one of the effort is by engineering akad in fiqh muamalah. Some of akadin fiqh muamalah are not only adopted, but also adapted by Islamic bank so that in line with the people needs. The Islamic principal of freedom is the main capital of facing the complexity of economic problems and the highdemands of people in case of the role of Islamic bank.Hybrid contract (al-’uqud al-murakkabah) is an example of Islamic Bank strategy to develop bussiness innovation. Hybrid contract is a dealing of two parties to have muamalah that covers two or more akad. Hybrid contract has been used in many varians of Islamic bank’s products. For example IMBT, property financing (MMQ), syariah card, take over financing, Islamic pledge, current account product, Islamic checking account financing, Islamic bonds, and Islamichedging.Keyword: Hybrid contract, Islamic bank.

REKONSTRUKSI OBLIGASI: INVESTASI DALAM PERSPEKTIF SYARIAH Nurul Fatma Hasan & M. Mujib Utsmani
Qawanin: Jurnal of Economic Syaria Law Vol 1 No 1 (2017): Januari
Publisher : Fakultas Syariah IAIN Kediri

Investment is highly recommended in Islam. The Al-Quran and Al-Hadith of Prophet Muhammad PBUH and companions support the existence of investment in the use of productive capital resources. The investment must be in accordance with the rules of Islam. Norms in investing according to sharia are free from elements of usury, uncertainty (gharar), gambling (maysir), haram, and syubhat. Bond is one form of investment, but the practice of conventional bonds is usury which is clearly forbidden by the verses of the Qur'an and hadith Saheeh and consensus (ijma ') of the scholars both salaf and khalaf. The reconstruction of bonds to conform to sharia principles needs to take into account some of the underlying prohibitions with bonds. Basically the fundamental difference between sharia bonds and conventional bonds lies in the determination of interest rates of magnitude determined at the beginning of the transaction. Syariah bonds are not a fixed interest-bearing debt as contained in conventional bonds, but rather are fund-raisers based on the principle of profit-sharing. The transaction is not a debt of accounts receivable but an inclusion. Sharia bonds (sukuk) as a form of financing and investment allow some form of structure that can be offered to avoid usury. Sharia bonds can be profit sharing based on mudharabah / muqaradhah / qiradh or musyarakah. While margin / fee based on murabaha or salam or istishna '.

Bagaimana Terbebas dari Rentenir? Upaya Pemberantasan Praktik Riba di Desa Pekarungan Kabupaten Sidoarjo Nurul Fatma Hasan; Makrifatul Ilmi
Al-Maqashid: Journal of Economics and Islamic Business Vol 2 No 1 (2022): April: Al-Maqashid : Jurnal Ekonomi dan Bisnis Islam
Publisher : Program Studi Ekonomi Syariah dengan Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) Institut Pesantren Sunan Drajat Lamongan

This study aims to reveal the profile of poverty and cases of entrapment of loan-shark in Pekarungan-Sukodono-Sidoarjo. This research also explores the efforts that need to be done so that the community can be free from loan-sharks. This study used descriptive qualitative method. The data analysis technique consists of the stages of data collection, data reduction, data presentation, and drawing conclusions and verification. The results of the study reveal that residents of Pekarungan-Sidoarjo who borrow money through loan-sharks are increasingly experiencing economic difficulties. Efforts that can be made in the context of releasing loan-sharks (poverty alleviation) are to increase zakat empowerment, increase the role of the Micro Waqf Board, and increase sharia financial inclusion.

BAGAIMANA TERBEBAS DARI RENTENIR ? Upaya Pemberantasan Praktik Riba di Desa Pekarungan Kabupaten Sidoarjo Nurul Fatma Hasan; Makrifatul Ilmi
Al-Maqashid: Journal of Economics and Islamic Business Vol. 2 No. 1 (2022): April: Al-Maqashid : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Penelitian ini bertujuan untuk mengungkap profil kemiskinan dan kasusjeratan rentenir di Desa Pekarungan, Kecamatan Sukodono, Kabupaten Sidoarjo.Penelitian ini juga menggali upaya-upaya yang perlu dilakukan agar masyarakat tersebutdapat terbebas dari rentenir. Penelitian ini menggunakan metode deskriptif kualitatif.Teknik analisis data terdiri dari tahap pengumpulan data, reduksi data,penyajian data, dan penarikan kesimpulan dan verifikasi. Hasil penelitian mengungkapbahwa warga Desa Pekarungan Kabupaten Sidoarjo yang meminjam uang melaluirentenir semakin mengalami kesulitan ekonomi. Upaya yang dapat dilakukan dalamrangka pembebasan dari jeratan rentenir (pengentasan kemiskinan) adalah denganmeningkatkan pemberdayaan zakat, meningkatkan peran Badan Wakaf Mikro, danmeningkatkan inklusi keuangan syariah

Implementasi Akad Mudharabah Mutlaqah Pada Tabungan Haji IB Amanah Terhadap Profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk.: Implementation of Mudharabah Mutlaqah Agreement on Hajj Savings IB Amanah on Profitability of PT Bank Pembangunan Daerah Jawa Timur Tbk. Nada El Nadia; Masadah; Muhammad Yazid; Muhammad Iqbal Surya Pratikto; Nurul Fatma Hasan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.16-34

Penelitian ini bertujuan untuk menjawab pertanyaan mengenai bagaimana implementasi akad Mudharabah Mutlaqah pada Tabungan Haji IB Amanah dan bagaimana pengaruhnya terhadap profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk. Jenis penelitian yang dilakukan dalam penelitian ini adalah penelitian lapangan dengan menggunakan metode penelitian kualitatif dan pendekatan deskriptif. Hasil penelitian yang diperoleh menunjukkan bahwa, 1) Implementasi akad mudharabah mutlaqah pada Tabungan Haji IB Amanah di PT Bank Pembangunan Daerah Jawa Timur Tbk sudah sesuai dengan ketentuan fatwa DSN-MUI No.02/DSN-MUI/IV/2000 Tentang Tabungan dengan prinsip mudharabah. 2) Bank mendapatkan bagian 90% atas bagi hasil Tabungan Haji IB Amanah, profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2019 adalah Rp17.998.535.314 menyumbang 1,31% dari laba tahun berjalan senilai Rp1.376.505 T. Kemudian, profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2020 adalah Rp18.503.080.413 menyumbang 1,25% dari laba tahun berjalan senilai Rp1.488.962 T. Sedangkan profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2021 sebesar Rp19.340.802.000 menyumbang 1,27% dari total laba tahun berjalan 2021 senilai Rp1.523.070 T. This study aims to answer questions about how implementing the Mudharabah Mutlaqah contract on Hajj IB Amanah Savings affects the profitability of PT Bank Pembangunan Daerah Jawa Timur Tbk. This study's research type was field research using qualitative research methods and a descriptive approach. The research results obtained show that; 1) The implementation of the mudharabah mutlaqah contract on IB Amanah Hajj Savings at PT Bank Pembangunan Daerah Jawa Timur Tbk is following the provisions of the DSN-MUI fatwa No.02/DSN-MUI/IV/2000 concerning Savings with the principle of mudharabah. 2) The Bank gets a 90% share of the profit sharing of the Amanah Hajj IB Savings; the profitability obtained by the Bank from the Amanah Hajj IB Savings in 2019 is IDR 17,998,535,314 contributing 1.31% of the profit for the year amounting to IDR 1,376,505 T. Then, the profitability obtained by the Bank from the IB Amanah Hajj Savings in 2020 was IDR 18,503,080,413, contributing 1.25% of the current year’s profit of IDR 1,488,962 T. Meanwhile, the profitability obtained by the Bank from the Amanah Hajj IB Savings in 2021 was IDR 19,340,802,000 contributed 1.27% of the total profit for the year 2021 of IDR 1,523,070 T.

Co-Authors Amirotul El Nadia, Nada Makrifatul Ilmi Makrifatul Ilmi MASADAH Masadah Moh. Amin Muhammad Yazid Muhammad Yazid Nada El Nadia Pratikto, Muhammad Iqbal Surya Rahmawati, Aisha Rianto Anugerah Wicaksono Rosmiati Rosmiati Sri Wigati Sri Wigati Syahruddin Syahruddin Syarifah, Tsaniyatas

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