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All Journal Jurnal Manajemen dan Agribisnis AGRIPITA: Jurnal Agribisnis dan Pembangunan Pertanian JURNAL ANALISIS KEBIJAKAN KEHUTANAN I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Empirika Kultivasi Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi Islam Kinestetik : Jurnal Ilmiah Pendidikan Jasmani JURNAL MAHASISWA BK AN-NUR : BERBEDA, BERMAKNA, MULIA IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Seminar Nasional Lahan Suboptimal Iqtishoduna: Jurnal Ekonomi Islam JKP (Jurnal Konseling Pendidikan) Al Ahkam Jurnal Review Pendidikan dan Pengajaran (JRPP) EkBis: Jurnal Ekonomi dan Bisnis Abdi Dosen : Jurnal Pengabdian Pada Masyarakat PUBLIKASI PENELITIAN TERAPAN DAN KEBIJAKAN Oeconomicus Journal of Economics JES (Jurnal Ekonomi Syariah El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Dinamika Ekonomi Syariah Journal of Civil Engineering and Planning (JCEP) Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Agrimansion: Agribusiness Management & Extension Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Enthusiastic : International Journal of Applied Statistics and Data Science Unram Journal of Community Service (UJCS) Agroteksos SRIWIJAYA JOURNAL OF ENVIRONMENT Journal of Infrastructure and Civil Engineering Jurnal Pengabdian Inovasi dan Teknologi Kepada Masyarakat Jurnal Riset Pendidikan dan Pengajaran (JRPP) Sharia Agribusiness Journal EKONOMIKA SYARIAH : Journal of Economic Studies Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Mutlaqah: Jurnal Kajian Ekonomi Syariah ITQAN: Journal of Islamic Economics, Management, and Finance Transformasi : Jurnal Penelitian dan Pengembangan Pendidikan Non Formal Informal Journal of Artificial Intelligence and Digital Business Jurnal Teknologi & Rekayasa Sipil Jurnal Ekonomi Islam Maliki Islamic Economics Journal Moderasi : Journal of Islamic Studies Amal: Jurnal Ekonomi Syariah Jurnal Ekonomi Kreatif Indonesia Ekonom : Jurnal Ekonomi dan Bisnis IIJSE Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Jurnal Akuntansi dan Keuangan Islam (JAKIs) Jurnal Maps (Manajemen Perbankan Syariah) Journal of Computer Science Contributions (Jucosco) Iqtishodiah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) An-Nisbah: Jurnal Ekonomi Syariah Impression : Jurnal Teknologi dan Informasi Ecobankers : Journal of Economy and Banking Jurnal Keislaman Jurnal Ekonomi, Manajemen, Akuntansi Rashid BISNIS : Jurnal Bisnis dan Manajemen Islam
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IMPLEMENTASI KEBIJAKAN FATWA DSN-MUI NO. 43/DSN-MUI/VIII/2004 TENTANG TA’WIDH BAGI NASABAH WANPRESTASI: Studi Kasus PT. Bank BNI Syariah Surabaya Faqihuddin, Abdullah; Yazid, Muhammad
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 1 (2017): April
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.2017.7.1.1408-1430

Abstract

Penelitian yang berjudul Implementasi Kebijakan Fatwa DSN MUI No.43/DSN-MUI/VIII/2004 Tentang Ta’widh Bagi Nasabah Wanprestasi adalah penelitian lapangan. Penelitian ini ingin menjawab pelaksanaan ta’widh pada fatwa DSN MUI No.43/DSN-MUI/VIII/2004 di Bank BNI Syariah Surabaya dan implementasi ta’widh bagi nasabah wanprestasi pada Bank BNI Syariah Surabaya. Penelitian ini menggunakan pendekatan kualitatif, subjek penelitian ini adalah pimpinan dan karyawan Bank BNI Syariah Surabaya Jl. Bukit Darmo Boulevard No. 8A – 8B Surabaya. Dalam penelitian ini, peneliti menggunakan teknik analisis data deskriptif kualitatif, yaitu suatu analisis yang bersifat mendeskripsikan makna data atau fenomena yang dapat ditangkap oleh peneliti, dengan menunjukkan bukti-buktinya. Baik data hasil wawancara, observasi maupun dokumentasi, selama mengadakan penelitian di Bank BNI Syariah Surabaya. Hasil penelitian menunjukkan bahwa pelaksanaan ta’widh pada fatwa DSN MUI No.43/DSN-MUI/VIII/2004 di Bank BNI Syariah Surabaya sudah sesuai dengan ketentuan fatwa DSN MUI No.43/DSN-MUI/VIII/2004. Sedangkan implementasi ta’widh bagi nasabah wanprestasi pada Bank BNI Syariah Surabaya dalam kasus yang ada yaitu Bank BNI Syariah dalam menyelesaikan pembiayaan BNI Griya iB Hasanah bermasalah dengan cara kebijakan menerapkan rescheduling. Karena dengan penerapan kebijakan ini pihak nasabah dapat menyelesaikan pembiayaan BNI iB Griya bermasalah dengan baik, tanpa ada pihak yang merasa dirugikan. Di dalam kasus ini, sebenarnya ganti rugi (ta’widh) yang seharusnya dikenakan sudah dilakukan dan dihitung kerugiannya, tetapi melihat dari niat nasabah yang masih mempunyai itikad baik dan juga nasabah dalam keadaan force majeur maka atas kebijakan dari Bank BNI Syariah, ganti rugi tersebut ditiadakan. Sejalan dengan kesimpulan di atas, Bank BNI Syariah Surabaya, diharapkan untuk lebih menganalisis pengajuan pembiayaan, khususnya pembiayaan BNI Griya iB Hasanah harus lebih ketat, selektif, cermat, teliti dan hati-hati dalam menganalisis calon nasabah. Dengan demikian, nasabah atau calon nasabah dapat diketahui layak atau tidak untuk diberikan modal.
Pengaruh Suku Bunga dan Pembiayaan Bermasalah pada Bank Syariah Aida, Farchati Umu; Yazid, Muhammad
OECONOMICUS Journal of Economics Vol. 8 No. 2 (2024): (June) edisi 16
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2024.8.2.124-139

Abstract

This journal discusses the influence of interest rates and problematic financing on the performance of Islamic banks in Indonesia. This research uses secondary data from Islamic bank financial reports. Sharia banking in Indonesia is one of the financial sectors that is increasingly developing. As a financial institution based on sharia principles. Islamic banks face risks that can affect their performance. The two main risks faced by Islamic banks are interest rate risk and financing problem risk. Interest rates have a significant influence on the profitability of Islamic banks. The increase in interest rates causes a decrease in the profitability of Islamic banks. Apart from that, problematic financing also has a negative impact on the performance of Islamic banks. The higher the level of problematic financing, the lower the profitability of Islamic banks. The implication of this research is that Islamic bank management needs to improve asset quality and strengthen risk management in order to reduce the negative impact of interest rate fluctuations and problematic financing on the performance of Islamic banks. Good risk management can help banks anticipate and manage the risks they face so that they can minimize their negative impact on bank performance. Apart from that, Islamic bank management also needs to diversify funding sources to reduce ethnic risk
IMPACT OF FINANCIAL TECHNOLOGY (FINTECH) ON SHARIA BANKING: PERSPECTIVE OF FIQH ECONOMIC Nisaa, Mufida Auliyaun; Yazid, Muhammad; Abdelmagid, Eltayeb Salah Eltayeb
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.13056

Abstract

The research was conducted with the aim of ensuring that sharia banking customers can be more confident and careful in using financial technology in carrying out sharia banking activities. This research is qualitative research with a literature review research method, namely a method of reviewing research that has been carried out previously which relies on various relevant books or journals. It can be concluded that according to the perspective of fiqh economic, the financial technology (fintech) used in sharia banking is a form of adaptation to technological advances from time to time. Due to technological advances, human needs are also progressing and becoming more diverse. So that the existence of financial technology is relevant to the perspective of fiqh economic in terms of realizing benefits for humanity in accordance with the maqashid of sharia. Customers must of course understand more about sharia principles in the Fintech sector, including rukun, contracts, provisions, law, tax administration, accounting and audit, in order to avoid usury and gharar.
PENINGKATAN PRODUKSI PERTANIAN MENGGUNAKAN DC PV PUMP UNTUK DESA BINAAN MULYOARJO LAWANG Aripriharta, Aripriharta; Susilo, Suhiro Wongso; Faidzin, Ilham; Sujito, Sujito; Hadi, Mokh. Sholihul; Zubaidah, Siti; Yazid, Muhammad
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 8 No. 3 (2024): SEPTEMBER
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v8i3.2231

Abstract

According to PLN data, electricity demand in Indonesia continues to grow until November 2022, reaching 3,128.8 MVA with 193,058 customers in the Agricultural Electrification (EA) sector. Indonesia has solar energy potential reaching 2,898 GW, but only 0.2 GW has been installed until 2021. In Mulyoarjo Village, Lawang District, our partners hope to utilise solar energy to support agriculture. The partner location has good sunlight potential for solar panel installation. This community service activity aims to apply Photovoltaic-Based Renewable Power technology (TTG DC PV Pump) to increase agricultural productivity in partner villages. The implementation method involves survey, design, installation, field test, and handover. The results showed that the peak of solar illumination occurred at 11.30 am with a voltage of 13.5V and a current of 14.58A on the solar panel. These findings can be the basis for improving agricultural efficiency in Mulyoarjo Village by optimally utilising the available solar energy.
Potret Empiris Kinerja Keuangan Perbankan Syariah Di Indonesia: Systematic Literature Review Fatmariyah, Fatimatul; Samsuri, Andriani; Yazid, Muhammad; AS, Fathor
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.5930

Abstract

The purpose of this study was to identify the financial performance of Islamic banking whose data were obtained from journals in the period 2017-2021 and how the solution was with a systematic literature review method approach. The results of a systematic literature review show that, 1). The distribution rate of articles in 2017 was 11, in 2018 there were 6, in 2019 there were 7, in 2020 there were 5 and in 2021 there were 2 articles in 31 journals, 2). The research method used by the researchers is a descriptive quantitative approach with a descriptive statistical approach and none uses a qualitative approach or mix methods, 3). The types of performance measurement tools used are mostly financial ratios, 4). The portrait of Islamic banking financial performance is volatile and tends to improve, 5). The solution for Islamic banks is to improve the performance of their financial ratios, and 6). The limitations of the study lie in the number of samples, variables and indicators, period of observation, and analytical techniques.
Prinsip Manajemen Pembiayaan Lembaga Non Bank Syariah (Studi Kasus KSPPS BMT Khoiru Ummah Jawa Timur) Mila Arlina, Agustin; Yazid, Muhammad; Agus Hidayat, Ahmad
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9712

Abstract

Islamic financial institutions are divided into two main categories: Islamic banking institutions and non-banking Islamic financial institutions. One common form of Islamic financial institution found in society is the Shariah-based Savings and Loans Cooperative, which is a microfinance institution. Shariah-based financing involves the provision of funds or receivables based on a contract or agreement between the Savings and Loans Cooperative and another party, obligating the financed party to repay the funds or receivables after a specified agreed-upon period. Regarding financing, the Shariah-based Savings and Loans Cooperative requires financial analysis to ensure that cooperative members are capable of repaying the received financing. When applying for financing at the BMT Khoiru Ummah Savings and Loans Cooperative in East Java, applicants must go through several stages in accordance with the procedures established by the BMT Khoiru Ummah Savings and Loans Cooperative. Firstly, the applicant is required to become a member by opening an account at the BMT Khoiru Ummah Savings and Loans Cooperative. Then, they follow the financing procedure, which includes submitting a financing application, undergoing administrative selection and fulfilling document requirements, undergoing a survey process, evaluation by the committee, purchasing the desired goods, entering into a contractual agreement, delivering the goods or funds, and finally making installment payments and full repayment by the members.
Maksimalisasi Laba Umkm Pada Pasca Pandemi Dalam Pembiayaan Perbankan Syariah Abdillah, Bacharuddin; Yazid, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9793

Abstract

Profit maximization in an Islamic perspective really needs to be applied to companies, especially SMEs. The purpose of this study is to find out how to maximize MSME profits in the midst of a pandemic based on the point of view of Islamic Economics. Islamic economics is also an action-taking system that describes all phenomena based on Islamic morals and ethics. Then, to achieve this goal, library research or library research methods from various journals are used. The results of the study conclude that the maximization of MSME profits during the pandemic can be done by paying attention to the main points of the rules in Islam. Such as establishing good relationships, ensuring that the products sold are halal and safe, as well as innovating and being creative.
IMPACT OF FINANCIAL TECHNOLOGY (FINTECH) ON SHARIA BANKING: PERSPECTIVE OF FIQH ECONOMIC Nisaa, Mufida Auliyaun; Yazid, Muhammad; Abdelmagid, Eltayeb Salah Eltayeb
Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i1.13056

Abstract

The research was conducted with the aim of ensuring that sharia banking customers can be more confident and careful in using financial technology in carrying out sharia banking activities. This research is qualitative research with a literature review research method, namely a method of reviewing research that has been carried out previously which relies on various relevant books or journals. It can be concluded that according to the perspective of fiqh economic, the financial technology (fintech) used in sharia banking is a form of adaptation to technological advances from time to time. Due to technological advances, human needs are also progressing and becoming more diverse. So that the existence of financial technology is relevant to the perspective of fiqh economic in terms of realizing benefits for humanity in accordance with the maqashid of sharia. Customers must of course understand more about sharia principles in the Fintech sector, including rukun, contracts, provisions, law, tax administration, accounting and audit, in order to avoid usury and gharar.
IMPLEMENTING TASK-BASED LEARNING METHOD TO IMPROVE STUDENTS’ WRITING ABILITY: A STUDY OF STUDY PROGRAM OF ENGLISH LANGUAGE EDUCATION Yazid, Muhammad; Wati, Laila; Wathoni, Hamzani; Nazri, M Adib
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 4 (2024): Vol. 7 No. 4 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i4.33958

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui keefektifan metode Task Based Learning dalam pembelajaran menulis di semester 2 Universitas Hamzanwadi. Penelitian ini menggunakan desain pre-eksperimen one group pre-test and post-test. Sampel penelitian ini adalah kelas 2D semester 2 yang berjumlah 18 siswa. Analisis deskriptif digunakan untuk mengungkap hasil yang berkaitan dengan keterampilan menulis mereka setelah penerapan TBL. Nilai rata-rata yang terungkap setelah pre-test dan post-test memiliki deviasi sebesar 49,72. Dengan demikian, Task Based Learning efektif secara signifikan dalam pembelajaran keterampilan menulis bahasa Inggris di semester 2 Universitas Hamzanwadi. Mempertimbangkan proses dan hasil penelitian ini, peneliti menyarankan agar guru bahasa Inggris menggunakan metode pengajaran ini dalam mengajar menulis.
Sharia Social Capital Construction in Strengthening the Community Economy by National Zakat Agency Institutions Yatim Mandiri Surabaya Yazid, Muhammad; Prasetyo, Aji
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5621

Abstract

This research was conducted to analyze the social capital construct that can strengthen the community's economy as carried out by the Yatim Mandiri Surabaya Amil Zakat Institution (LAZ). This research method uses descriptive qualitative with data obtained using interview techniques. The data obtained was analyzed through the stages of data reduction, data display, and conclusion. The results of the research show the construct of social capital at the National Amil Zakat Institution (LAZ) Yatim Mandiri Surabaya, namely in the form of providing capital in the form of education and training as well as business funds for orphans in the Mandiri Entrepreneur Center (MEC) program and poor mothers in the Bunda program. Mandiri Sejahtera (BISA). The social capital construct at LAZ Yatim Mandiri Surabaya in strengthening the community's economy is specifically for groups of poor orphan mothers in the Kampung Mandiri program. This program is an empowerment program in the village/village/region area to optimize village potential through the intervention of forming joint business groups. Through this program, the community can implement the social capital construct in the form of cooperation in managing funds from LAZ Yatim Mandiri Surabaya for a joint venture. The ultimate goal of providing and fostering social capital by LAZ Nasional Yatim Mandiri Surabaya is so that orphans and their mothers can live independently and be economically strong.
Co-Authors Abdelmagid, Eltayeb Salah Eltayeb Abdillah, Bacharuddin Agus Hidayat, Ahmad Ahmad Kurnain Ahmad Yasar Ramdan Aida, Farchati Umu Aji Prasetyo Akhmad Sabda Maulana, Nur Al Maghfuri, Rahmah Salsabila Al Mirza, Moch Rusydan Alfitri Alfitri Amalina, Azka Amanda, Amelia Amelia, Winanda Amirullah, Sir Haykal Alam Andhini Koeswito, Winnie Andriani Samsuri Andrisyah, Fauzi ANDY MULYANA Anggrika Riyanti, Anggrika Ani Pristiawati Anisa Pertiwi, Umi Annisa, Siti Fini Apriyanto , Ade Aqila Azza Fauzia Aripriharta - AS, Fathor Ayu Anggraini Azizi, Adni Salsabil Bagio, Toni Hartono Benyamin Lakitan Bunga Karnisa Goib Cahyadi, Irwan Choiri, Achmad Firman Damara, Rian Damayanthy, Dini desi aryani Dessy Adriani Dessy Adriani Dessy Adriani Dewi, Lativa Andam Dini Damayanthi Doni Rinaldi Basri Dwipa Handayani Dwisari Dillasamola efendi, Irfan Erni Purbiyanti, Erni Fadhilla, Naylatul Fadil, Muhammad Syukri Faidzin, Ilham Faqihuddin, Abdullah Fatmariyah, Fatimatul Fatriami, Fatriami Febria Nurmelia Marlina Febriyanti, Novi Feriansyah, Ardian Firdausia, Yulia Kurnia Fitra Ramdhani, Fitra Fitriana, Alya Nabila Gefry Ginting, Brian Permana Gustin, Maysheila Hafsah, Nur Hanisa, Najma Syakina Hanum, Fathmah Hardiansyah, Tubagus Rizki Hasibuan, Ahmad Daniel Hendriansah Herdiansyah, Dafa Hermawan, Edwin Hurrin, Sofchatuz Zahro Salsabila Husaini, Rizki Ramadhan Husni Mubarak Husnul Mukti Intan Dewinta, Intan Irtiqouli'ulya , Pandu Islami, Deri Ismatul Khayati Janah, Nadhivah Nur Januarti, Indri Jaudat Iqbal Harris Khumair, Merina Khusnia, Nur Kumala Sari, Dina Kurnia, Ferdi Laila Wati Lifianthi, Lifianthi Lubis, Holijah M. Adib Nazri M. Huanza MAKIAH Marianto, Hadi Marwan Masruroh, Aniswatun Maya Sari Mila Arlina, Agustin Moh. Rasyid Ridho Mokh Sholihul Hadi Momon Sodik Imanuddin Mubarokah, Shela Syofiatul Mufadhdhal, Muhammad Asad Muhadzid, Fayyadh Atsil Muhammad Andri Zuliansyah Muhammad Arbi Muhammad Defri Wahyudi Muhammad Naufal, Muhammad Muhammad Roby, Muhammad Muhammad Yamin Mujahadah, Alifatul Mujtahidah, Fikarul Murni, Cahyasari Kartika Nadia Fitriani Nadila, Lili Ningsih, Julia Nisaa, Mufida Auliyaun Noverial Novriadhy, Dian Nufus, Shoufa Hayatun Nukmal Hakim, Nukmal Nurul Hikmah Ochsania, Bina Oktafani, Reni Oktaviani, Dilla Pratiwi, Eghinna Elsa Purba, Khairul Fahmi Puspa Ningrum Putri, Biomechy Oktomalio Putri, Popy Dwi Qori'atunnadyah, Marita Rabbani, Nizar Bagoes Rahman, Joya Rahmat Tisnawan Rahmawati, Maulinda Ramadhani, Nasywa Anjani Rifaatul Mahmudah Riswani Rizki Yani, Fadila rni Purbiyanti Roihana, Najlatus RR. Ella Evrita Hestiandari Rufaedah, Dina Anisya Saiful Bakhri Salsabila, Ainur Rona Salsabilla, Syahvira Saputra, Johan Saputra, Virga Hendra Satrio Adi Wicaksono Saventina, Ega Marta Serly Novitasari Sihol Marudut Tua Sinaga Sikumbang, Thamrin Sirajul Arifin Siti Musfiqoh Siti Ramadhani Andhelia Siti Zubaidah Sriningsih Sugioto, Dedek Sujito Sujito Sukri Susilo, Suhiro Wongso Sutami Sutami Tafarini, Meitry Firdha Thirtawati, Thirtawati Thoriq, Muhammad Toyeb, Muhammad Toyibah, Umi Trisna Wahyu Swasdiningrum Putri Triyuliani, Maulidia Wathoni, Hamzani Wati, Aprilia Candra Purnama Wenny Widiastuti Wenny Widiastuti Wicaksono, Ahmad Bayu Widiyati Yanti, Caroline Chiko Meyrisma Yuliana, Ika Zebua, Yedija Salomo