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All Journal Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Ulul Albab: Jurnal Studi Islam Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IJTIHAD Wahana Akademika: Jurnal Studi Islam dan Sosial Ziswaf : Jurnal Zakat dan Wakaf AL-FALAH : Journal of Islamic Economics Al-Iktisab: Journal of Islamic Economic Law PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Iqtishoduna: Jurnal Ekonomi Islam Wahana Akademika: Jurnal Studi Islam dan Sosial ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Share: Jurnal Ekonomi dan Keuangan Islam
Mulyono Jamal
Institut Studi Islam Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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إدارة الوقف الزراعي لمعهد دار السلام كونتور بعقد الإجارة والمزارعة على تحليل سواوت: The Management of Waqf Fields at Pondok Modern Darussalam Gontor (PMDG) Based on Ijarah and Muzara’ah Contract: SWOT Analysis Jamal, Mulyono; Wibowo, Hendri Setiyo; Zahro', Khurun'in; Cahyo, Eko Nur
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 1 (2025): April
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i1.2617

Abstract

: إن الجهوذ المبذولة لإدارة الأراضي الوقفية للزراعية هي الخطوة الصحيحة لإنتاجية الأراضي الوقفية. تهدف هذه الدراسة لمعرفة تحديد إدارة الوقف الزراعي لمعهد دار السلام كونتور بعقد الإجارة والمزارعة. هذا البحث هو بحث ميداني بالأسلوب النوعي من خلال إجراء البحث في معهد دار السلام كونتور. في جمع البيانات، استخدم الباحث طريقة الملاحظة، والمقابلة، والوثائق ثم تحليلها بمنهج سواوت (SWOT). نتائج هذه الدراسة بإن إدارة الوقف الزراعي بعقد الإجارة لمعهد دار السلام كونتور وقعت في منطقة فونوروكو، ماديون، كديري، نجانجوك، جمبر، وأما إدارته بعقد المزارعة توجد في منطقة مانتينجان. إن إدارة الوقف الزراعي بعقد الإجارة وعقد المزارعة لمعهد دار السلام كونتور تساعد اقتصاد المجتمع ورفاهيتهم لأن سعر إيجار الوقف الزراعي أقل من أسعار الزراعية الأخرى
Multi-Service Ijarah Contract for Umrah Financing: Analysis of Its Compliance with DSN-MUI Fatwa Lahuri, Setiawan bin; Jamal, Mulyono; Zahro’, Khurun’in; Nugraheni, Nuriwanda Azizah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 16, No 1 (2024)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i1.35424

Abstract

Umrah merupakan salah satu ibadah yang membutuhkan biaya yang cukup besar dari masyarakat luar negeri Arab untuk dapat berkunjung ke Makkah. Di Indonesia, terdapat beberapa perusahaan pembiayaan yang menyediakan pembiayaan bagi jamaah umrah. Akan tetapi, prosedur pembiayaan tersebut masih menjadi pertanyaan karena terkait dengan kepatuhannya terhadap syariat Islam. Tulisan ini bertujuan untuk mengkaji tentang pembiayaan umrah yang dijalankan oleh AMITRA FIFGroup dan kepatuhannya terhadap fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Penelitian ini mengungkap bahwaModel pembiayaan tersebut telah sesuai dengan Fatwa DSN-MUI No. 44/DSN-MUI/VIII/2004 tentang Pembiayaan Multijasa. Hal ini terlihat dari penetapan ujrah yang dilakukan AMITRA FIFGroup Indonesia tidak menggunakan persentase melainkan nominal. Selain itu, AMITRA FIFGroup Indonesia tidak menggunakan kafalah, melainkan ijarah multijasa dalam pembiayaan umrah.Abstrak:Umroh adalah jenis ibadah yang membutuhkan dana yang tidak sedikit bagi orang-orang dari luar negara Arab untuk mengunjungi Makkah. Di Indonesia, perusahaan pembiayaan menawarkan pembiayaan untuk jamaah umrah. Namun, prosedur pembiayaan tersebut masih dipertanyakan, karena terkait dengan kepatuhan terhadap syariah. Penelitian ini bertujuan untuk mengkaji pembiayaan umroh yang dioperasikan oleh AMITRA FIFGroup dan kesesuaiannya dengan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Hasil penelitian ini menunjukkan bahwa model pembiayaan tersebut telah sesuai dengan Fatwa DSN-MUI No. 44/DSN-MUI/VIII/2004 tentang Pembiayaan Multijasa. Hal ini dapat dilihat dari penetapan ujrah yang dilakukan oleh AMITRA FIFGroup Indonesia tidak menggunakan persentase tetapi menggunakan nominal. Selain itu, AMITRA FIFGroup Indonesia tidak menggunakan akad kafalah, melainkan ijarah multijasa dalam pembiayaan umroh.
Halal Certification for MSEs in Indonesia: How Business Duration Drives Legal Awareness Maulana, Hartomi; Labolo, Sultan Nanta Setia Dien; Jamal, Mulyono; Syamsuri, Syamsuri
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.22907

Abstract

Halal certification is mandatory for all Micro and Small Enterprises (MSEs) in Indonesia. Despite the vast number of MSEs, totaling 64.2 million as of February 2023, only about 20% have obtained halal certification. This study investigates the influence of legal awareness on halal certification registration among Indonesian MSEs and examines the moderating role of business duration. Using Structural Equation Modeling (SEM) with a quantitative approach, the study assessed the impact of legal awareness constructs (knowledge, understanding, attitudes, and behavior) on halal certification awareness among 333 MSE respondents, with business duration included as a moderator. The findings revealed that legal knowledge, understanding, attitudes, and behavior did not significantly affect halal certification awareness, whereas business duration had a significant positive impact. Additionally, the moderation analysis demonstrated that business duration significantly influenced the relationship between legal understanding and halal certification awareness. The results suggest that experience, rather than legal comprehension, drives halal certification awareness among Indonesian MSEs. The study offers insights for policymakers to support longer-running businesses and simplify certification processes to increase halal certification rates among MSEs. Future research should consider using larger, more diverse samples and incorporating qualitative methods to gain a comprehensive understanding of MSEs’ motivations and challenges in obtaining halal certification.======================================================================================================== ABSTRAK – Sertifikasi Halal untuk UKM di Indonesia: Peran Durasi Usaha dalam Mendorong Kesadaran Hukum. Sertifikasi halal diwajibkan bagi seluruh Usaha Mikro dan Kecil (UMK) di Indonesia. Meskipun jumlah UKM mencapai 64,2 juta per Februari 2023, hanya sekitar 20% yang telah memperoleh sertifikasi halal. Penelitian ini mengkaji pengaruh kesadaran hukum terhadap pendaftaran sertifikasi halal di kalangan UKM Indonesia dan menguji peran moderasi durasi usaha. Menggunakan Structural Equation Modeling (SEM) dengan pendekatan kuantitatif, penelitian ini menguji dampak konstruk kesadaran hukum (pengetahuan, pemahaman, sikap, dan perilaku) terhadap kesadaran sertifikasi halal di antara 333 responden UKM, dengan durasi usaha dimasukkan sebagai variabel moderator. Hasil penelitian menunjukkan bahwa pengetahuan hukum, pemahaman, sikap, dan perilaku tidak secara signifikan mempengaruhi kesadaran sertifikasi halal, sementara durasi usaha memiliki dampak positif yang signifikan. Lebih lanjut, analisis moderasi menunjukkan bahwa durasi usaha secara signifikan mempengaruhi hubungan antara pemahaman hukum dan kesadaran sertifikasi halal. Hasil ini menunjukkan bahwa pengalaman akan mendorong kesadaran sertifikasi halal di kalangan UKM Indonesia. Temuan ini memberikan pencerahan bagi pembuat kebijakan untuk lebih mendukung usaha-usaha yang telah berjalan lama dan menyederhanakan proses sertifikasi bagi UKM. Penelitian selanjutnya perlu mempertimbangkan penggunaan sampel yang lebih besar dan beragam serta menggabungkan metode kualitatif untuk mendapatkan pemahaman yang lebih komprehensif mengenai motivasi dan tantangan UKM dalam memperoleh sertifikasi halal.
Peningkatan Jangkauan Pemasaran di Era Digital Menggunakan Akun Shopee pada Savira Frozen Food Home Made: Expanding Marketing Reach in the Digital Era Using a Shopee Account at Savira Frozen Food Home Made Syamsuri, Syamsuri; Rumasukun, Muhammad Alfan; Rahayu, Amin Fonda Astiti Rob; Kamaluddin, Imam; Jamal, Mulyono
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 9 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i9.9606

Abstract

Savira Frozen Food Home Made is a micro-enterprise producing homemade frozen foods made from chicken. Despite offering high-quality products and receiving positive customer reviews, the business continues to face challenges in expanding its marketing reach. This is primarily because Savira Frozen Food Home Made relies solely on WhatsApp to offer and promote its products. As a result, it can only reach customers who already have and have saved the business's contact number. Sales are still carried out directly from the home as well. This community engagement initiative aims to broaden the marketing reach of Savira Frozen Food Home Made through the Shopee e-commerce platform. By utilising this digital platform, business opportunities and potential increases in income through expanded market reach are expected to grow significantly. It may also enhance the competitiveness of micro-enterprise products in the business world. The implementation methods include training and mentoring in creating a Shopee account, developing digital marketing strategies, optimising Shopee Ads features, and managing customer service and delivery. The mentoring results show an increase in marketing reach, with the products reaching 6 out of the 21 sub-districts in Ponorogo. These results demonstrate that using digital platforms can effectively expand the market of micro-enterprises and increase the competitiveness of their products more broadly.
PERAN FINANCIAL TECHNOLOGY DALAM MENGHIMPUN DANA ZAKAT, INFAQ DAN SEDEKAH SERTA KONTRIBUSINYA DALAM MENANGGULANGI KEMISKINAN DI INDONESIA Jamal, Mulyono; Putri, Nurmalasari Mulia; Zahro’, Khurun’in
Wahana Akademika: Jurnal Studi Islam dan Sosial Vol. 11 No. 1 (2024): Vol. 11, No. 1, April 2024
Publisher : Kopertais Wilayah X Jawa Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/wa.v11i1.18290

Abstract

Financial technology (Fintech) is present as a solution in distributing zakat funds, which is predicted to reduce poverty levels. However, so far it is still not optimal. This causes a reduction in public knowledge and awareness of fintech. This research aims to analyze the role of financial technology in collecting ZIS funds and its contribution to overcoming poverty in Indonesia. This type of research is descriptive qualitative with a literature study approach. The results of this research show that financial technology can maximize ZIS fund collection. This is proven by the increasing number of muzakki and infaq and alms donors so that they can be distributed to those in need.
PERAN FINANCIAL TECHNOLOGY DALAM MENGHIMPUN DANA ZAKAT, INFAQ DAN SEDEKAH SERTA KONTRIBUSINYA DALAM MENANGGULANGI KEMISKINAN DI INDONESIA Jamal, Mulyono; Putri, Nurmalasari Mulia; Zahro’, Khurun’in
Wahana Akademika: Jurnal Studi Islam dan Sosial Vol. 11 No. 1 (2024): Vol. 11, No. 1, April 2024
Publisher : Kopertais Wilayah X Jawa Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/wa.v11i1.18290

Abstract

Financial technology (Fintech) is present as a solution in distributing zakat funds, which is predicted to reduce poverty levels. However, so far it is still not optimal. This causes a reduction in public knowledge and awareness of fintech. This research aims to analyze the role of financial technology in collecting ZIS funds and its contribution to overcoming poverty in Indonesia. This type of research is descriptive qualitative with a literature study approach. The results of this research show that financial technology can maximize ZIS fund collection. This is proven by the increasing number of muzakki and infaq and alms donors so that they can be distributed to those in need.
Hajj Financing Models: Fiqh Analysis of Payment Contracts for Hajj Funds at the Ministry of Religious Affairs in Indonesia Jamal, Mulyono; Zahro', Khurun'in; Nugraheni, Nuriwanda Azizah; Cahyo, Eko Nur
Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Vol 7, No 2 (2024): Vol. 7, No. 2, April 2024
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jua.v7i2.28677

Abstract

Hajj is an act of worship that completes the fifth pillar of Islam for a Muslim and is performed by those who are able. In its implementation in Indonesia, the hajj is organised by the Ministry of Religious Affairs (MORA) of Republic of Indonesia, including the offices of MORA in every city throughout Indonesia. The contract used during the registration of prospective pilgrims is a wakalah contract, but when they attend to the bank, the bank requestions what kind of contract will be employed whether wadi'ah or murabahah. This research is purposed to reveal the repayment contract for prospective pilgrims and analyse the principle of the contract applied in the repayment of funds for prospective pilgrims. The type of research used is field research with qualitative methods using descriptive analysis. The primary data sources in this research are obtained from the MORA of the Republic of Indonesia, while the secondary data was attained from journals or research related to the hajj financing model, then descriptive analysis of the data as material for the research findings. There are two findings in this research, firstly, the contract on the repayment of funds for prospective pilgrims, starting from the wakalah contract between prospective pilgrims and the MORA, this contract will take effect after the repayment of funds for prospective pilgrims. Secondly, the fiqh analysis of the principle of the contract applied to the repayment of funds for prospective pilgrims is wakalah and is appropriate as it should be. Even so, the MORA must also cooperate with stakeholders in providing the best service to hajj pilgrims so that they can perform the worship in holy lands (Madina and Mecca) comfortably and solemnly.
Multi-Service Ijarah Contract for Umrah Financing: Analysis of Its Compliance with DSN-MUI Fatwa Lahuri, Setiawan bin; Jamal, Mulyono; Zahro’, Khurun’in; Nugraheni, Nuriwanda Azizah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 16 No. 1 (2024)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i1.35424

Abstract

Umrah merupakan salah satu ibadah yang membutuhkan biaya yang cukup besar dari masyarakat luar negeri Arab untuk dapat berkunjung ke Makkah. Di Indonesia, terdapat beberapa perusahaan pembiayaan yang menyediakan pembiayaan bagi jamaah umrah. Akan tetapi, prosedur pembiayaan tersebut masih menjadi pertanyaan karena terkait dengan kepatuhannya terhadap syariat Islam. Tulisan ini bertujuan untuk mengkaji tentang pembiayaan umrah yang dijalankan oleh AMITRA FIFGroup dan kepatuhannya terhadap fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Penelitian ini mengungkap bahwaModel pembiayaan tersebut telah sesuai dengan Fatwa DSN-MUI No. 44/DSN-MUI/VIII/2004 tentang Pembiayaan Multijasa. Hal ini terlihat dari penetapan ujrah yang dilakukan AMITRA FIFGroup Indonesia tidak menggunakan persentase melainkan nominal. Selain itu, AMITRA FIFGroup Indonesia tidak menggunakan kafalah, melainkan ijarah multijasa dalam pembiayaan umrah.Abstrak:Umroh adalah jenis ibadah yang membutuhkan dana yang tidak sedikit bagi orang-orang dari luar negara Arab untuk mengunjungi Makkah. Di Indonesia, perusahaan pembiayaan menawarkan pembiayaan untuk jamaah umrah. Namun, prosedur pembiayaan tersebut masih dipertanyakan, karena terkait dengan kepatuhan terhadap syariah. Penelitian ini bertujuan untuk mengkaji pembiayaan umroh yang dioperasikan oleh AMITRA FIFGroup dan kesesuaiannya dengan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Hasil penelitian ini menunjukkan bahwa model pembiayaan tersebut telah sesuai dengan Fatwa DSN-MUI No. 44/DSN-MUI/VIII/2004 tentang Pembiayaan Multijasa. Hal ini dapat dilihat dari penetapan ujrah yang dilakukan oleh AMITRA FIFGroup Indonesia tidak menggunakan persentase tetapi menggunakan nominal. Selain itu, AMITRA FIFGroup Indonesia tidak menggunakan akad kafalah, melainkan ijarah multijasa dalam pembiayaan umroh.
Advancing Governance Innovation in Zakat Institutions: A Good Corporate Governance Model for Improving Compliance and Social Impact at LAZISMU, Indonesia Umam, Khoirul; Jamal, Mulyono; Zahro', Khurun'in; Rahmani, Nabilla
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October (On Progress)
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3612

Abstract

Zakat has great potential if managed professionally. However, there are still many zakat institutions that have not been optimal in their management, so that good governance is needed, one of which is the principle of Good Corporate Governance (GCG). The purpose of this research is to find out how the management of zakat funds in the Amil Zakat Muhammadiyah Yogyakarta Special Region (LAZISMU DIY) in Indonesia is based on GCG principles. This research uses a descriptive qualitative method to deepen understanding of the practice of applying the principles of Good Corporate Governance (GCG) in the management of zakat funds at LAZISMU DIY. In collecting data, researchers used the triangulation method and analysed it using the inductive-deductive method to analyse the extent to which the management of zakat funds in LAZISMU DIY is based on GCG principles. The results of this study indicate that the management of zakat funds in LAZISMU DIY has been in accordance with sharia provisions and GCG principles. This is evidenced by the publication of activities and financial reports of the institution in the mass media (transparency); pay attention to the interests of all stakeholders (accountability); comply with applicable regulations (responsibility); no interference from other institutions and fairness (independence); refers to fair treatment of all company stakeholders (justice). Thus, the management of zakat funds in LAZISMU DIY has been in accordance with GCG principles and provides benefits to the community, especially mustahik. Researchers suggest that zakat institutions synergise more to increase public awareness of giving zakat.
Co-Authors Ahmad, Rusyda Afifah Eko Nur Cahyo Haerul Akmal Hartomi Maulana Hidayatulloh, Ahmad Fauzi Imam Kamaluddin Iman Nur Hidayat Jamilah, Adinda Muftiviany Nur Kamaluddin , Imam Khasib Amrullah Khoirul Umam Khurun’in Zahro’ Labolo, Sultan Nanta Setia Dien Latifah, Nur Azizah Latifah, Nur Azizah Mellina, Tesa Mochammad Imron Awalludin Mohammad Ghozali, Mohammad Muhammad Alfan Rumasukun Nugraheni, Nuriwanda Azizah Putri, Nurmalasari Mulia Rahayu, Amin Fonda Astiti Rob Rahmani, Nabilla Syamsiar, Syamsiar Syamsuri Topandi Harahap, alfiansyah Usmanul Khakim Wibowo, Hendri Setiyo Zahro’, Khurun’in Zarkasyi, Hamid Fahmi