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Sri Herianingrum

Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga

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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Transportation Other

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THE ANALYSIS OF THE ENVIRONMENTAL IMPACT AND COMMUNITY ECONOMIC SOCIAL CHANGE THAT WAS INCURRED BY THE BEACH RECLAMATION VIEWED FROM AN ISLAMIC PERSPECTIVE (CASE STUDY OF KENJERAN BEACH SURABAYA) Putri Amalia Zahrah; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 4 (2020): April-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20204pp623-632

This study aims to determine how the environmental impacts arising from the beach reclamation activities in the Kenjeran Beach, Surabaya, viewed from the Islamic perspective. The method used is descriptive qualitative case study method where this research was conducted by conducting interviews, documentation and direct observation. The object of this research is the Kenjeran Beach in Surabaya, where the data were obtained based on interviews conducted with ten informants consisting of the government apparatus of the Bulak and Kenjeran Districts, traders, and the surrounding community. Based on the results of the study showed that the infrastructure development carried out caused changes in the ecosystem. The environmental impact also affects the socio-economic life of the surrounding community. Kenjeran Beach Reclamation Activity has not fully met Al-Istishlah indicators in environmental care. And in several aspects of the Islamic Maqashid indicators also have not been run optimally.Keywords: environmental impact, socio-economic change, beach reclamation, kenjeran beach, Islamic perspective.REFFERENCE Al-Qur’an Creswell, John W. (2010). Research design pendekatan kualitatif, kuantitatif, dan mixed. Yogyakarta: Pustaka PelajarDahuri, R. 2001. Pengelolaan sumberdaya wilayah pesisir dan lautan secara terpadu. Jakarta: PT. Pradnya Paramita. Habibi, A. (2012). Trade off kerusakan sumber daya alam dan pembangunan ekonomi. Asas: Jurnal Hukum Ekonomi Syariah, 4(1), 1-5. Herianingrum, Sri. (2014). Implementation of maqashid al sharia as a model of economic development agriculture in East Java. Journal of Business and Economic, 5(9), 1701-1708.Meirison. (2017). Jenis kepemilikan dalam sistem ekonomi Islam. Maqdis: Jurnal Kajian Ekonomi Islam, 2(1), 93-109.Moleong, Lexy J. (2007). Metode penelitian kualitatif. Bandung: PT Remaja PosdakaryaN.d. (2013). Rencana tata ruang wilayah kota Surabaya. Surabaya: Pemerintah Kota Surabaya.Otto Soemarwoto. (2004). Ekologi, lingkungan hidup dan pembangunan. Jakarta: Djambatan.Sugiyono. (2016). Metode penelitian kuantitatif kualitatif dan R & D. Bandung: Alfabeta.Yakin, Adinul. (2015). Ekonomi sumber daya alam dan lingkungan: teori, kebijakan, dan aplikasi bagi pembangunan berkelanjutan. Jakarta: Akademika Pressindo.Peraturan Menteri Negara Lingkungan Hidup No. 05 Tahun 2012 tentang Jenis Rencana Usaha dan/atau Kegiatan yang Wajib meiliki analisis mengenai dampak lingkungan Hidup (AMDAL)Peraturan Menteri Perhubungan No PM 52 Tahun 2011PP Nomor 27 Tahun 1999, tentang Analisis Mengenai Dampak Lingkungan (AMDAL) PP Nomor 27 Tahun 2012 tentang Izin Lingkungan RTRW Surabaya, 2013UU Nomor 27 Tahun 2007, tentang Pengelolaan Wilayah Pesisir Dan Pulau-Pulau Kecil.UU Nomor 23 Tahun 1997 tentang Pengelolaan Lingkungan Hidup.

DAMPAK PEMBAYARAN ZAKAT TERHADAP PERILAKU KONSUMSI PEGAWAI NEGERI SIPIL DI DEPARTEMEN AGAMA KOTA SURABAYA Aris Kurniawan Ridho; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1228-1241

The objective of this study is to find out how the impact of Paying Zakat on consumptive behavior of civil servants in the Department of Religion of Surabaya. The research used qualitative descriptive case study method. The data used were primary and secondary data. The primary data was obtained from the results of interview, observation, and documentation on the relevant parties, while secondary data was obtained through printed media, electronic media as well the Internet on consumptive behavior, in addition to supporting data from various journals and books which are relevant to this study. The results of the research show that zakat gives impact on consumptive behavior of Civil Servants of the Department of Religion in Surabaya. When their salary is deducted in accordance with the provisions of zakat, they feel that the consumptive behavior to fulfill their daily needs is somewhat different when they pay zakat. The efficiency of zakat payment or zakat collection is one of their reasons to continue paying their zakat in accordance with existing provisions. Among the greatest benefits they perceived is the increasing awareness of the obligation to pay zakat and applying consumption principles in accordance to the Islamic norms.Keywords: zakat, consumptive behavior in IslamREFFERENCESAd Dimasyqi, Taqiyyuddin. 2005. Kifayah al Akhyar. Beirut: Darul Kutub Al ‘Ilmiah.Al Gazali, 1994. Rahasia Puasa dan Zakat.Bandung: Penerbit Karisma.Al Qurthubi, Abi Abdillah Muhammad ibn Ahmad. 2006. Tafrir Ahkam al Qur’an. Beirut: Al-Resalah Publishers.Az Zuhaili, Wahbah. 1985. Fiqh Al-Islamiy wa Adillatuhu. Damaskus: Dar al Fikr.Aziz, Muhammad dan Shalikhah. 2014. Zakat Profesi dalam Perspektif Undang-Undang no. 22 Tahun 2011 dan Hukum Islam. Jurnal Ulul Albab Vol. 15, No. 2.Hafiduddin, Didin2004. Zakat dalamPerekonomian Modern. Jakarta: Gema Insani.Hidayat, Ahmad. 2015. Manajemen Zakat dan Perilaku Konsumsi Mustahik. Jurnal Banking and Management Review, Vol. 4, No. 2.Mariana, Hanik. 2016. Korelasi Zakat dengan Periaku Konsumen dan Pemberdayaan Ekonomi Masyarakat di Banyudono, Ponorogo. Jurnal Muslim Heritage Vol. 1, No. 1.P3EI, 2010.Rasyid, Sulaiman. 1994. Fiqh Islam. Bandung: Sinar Baru Algesindo.Rosmiati, Nur. 2012. Studi Analisis Pengelolaan Dana Zakat Dalam Mengentaskan Kemiskinan. Makasar: UIN Alaudin.Sudirman. 2007. Zakat dalam Pusaran Arus Modernitas. Malang: UIN Malang Press.Al Faizin, Abdul Wahid & Sri Herianingrum. 2018. Zakat: Concept and Implications to Social and Economic (Economic Tafsir of Al- Tawbah: 103). Journal of Islamic Monetary Economic and Finance Vol. 4, No. 1.Yasin, Ahmad Hadi. 2012. Panduan Zakat Praktis. Jakarta: Dompet Dhuafa Republika.

THE FUNCTION OF SHARIA MICROFINANCE INSTITUTIONS IN PROMOTING THE FINANCIAL INCLUSIVENESS AND THE REAL SECTOR (BMT NU JAWA TIMUR IN SUMENEP) Aidi Faiz Romadoni; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp814-825

Poverty and inequality are classic problems. Financial institutions, in general, have not been able to alleviate it. The hope is for microfinance institutions. Included in this is the BMT NU Jawa Timur. For this reason, we have revealed the role of the Islamic microfinance institution in encouraging financial inclusiveness and the role of the Islamic microfinance institution in advancing the real sector. This research approach is qualitative with a case study strategy by using interviews and direct observation. The interviewees were the directors of BMT and customers. With a data analysis model from Hiles and Huberman, wherein analyzing the data, there are three steps taken. Namely, data reduction, data presentation and verification. The results of the study show that East Java BMT uses the term Lasisma which is commensurate with inclusive finance. The system is the same. Lasisma reaches out to the lowest levels of society. The BMT goes to community groups that need capital in developing unsecured businesses.Keywords: BMT NU Jawa Timur, Inclusive Finance, Lasisma, Real SectorREFFERENCE Arikunto, Suharsimi. (2002). Prosedur penelitian: Suatu pendekatan praktek. Jakarta: PT. Rineka Cipta.Asian Development Bank (ADB). (2011). Key indicators for Asia and the Pasific 2011: Framework for inclusive growth indicators, special supplement. Manila: ADB. Bakker, Anton dan Avhmad Choris Zubari. (1990). Metodologi penelitian filsafat. Yogyakarta: Kanisus.Bank Indonesia. (2014). Booklet financial inclusion. Jakarta: Bank Indonesia.Herianingrum, Sri dan Nurul Farida Damayanti. (2014). Pengaruh pembiayaan dana Baitul Mal wat Tamwil (BMT) Teladan terhadap kinerja usaha mikro di pasar semolowaru Surabaya. Jurnal Ekonomi Syariah Teori dan Terapan, 1(3), 194-204.Herianingrum, Sri., dan Abdul Muiz Hamid. (2014). Efektivitas target pembiayaan Baitul Maal Wa tamwil Surya Gemilang Desa Sedayu Lawas Kecamatan Brondong Kabupaten Lamongan. Jurnal Ekonomi Syariah Teori dan Terapan, 1(3), 119-127.Herianingrum, Sri dan Rohmah Diah Musdiana. (2015). Efektivitas pembiayaan mudharabah dalam meningkatkan kinerja UMKM (Studi kasus pada BMT Nurul Jannah Gresik). Jurnal Ekonomi dan Bisnis Islam, 1(1), 21-36.Subagyo, P. Joko. (1991). Metodologi penelitian teori dan praktik. Jakarta: Rhineka Cipta .Sumitra, Andri. (2009). Bank dan lembaga keuangan syariah. Jakarta: Prenada Media Group.

PEMBERIAN ZAKAT PRODUKTIF UNTUK KINERJA MODAL USAH DAN KESEJAHTERAAN EKONOMI MUSTAHIK PADA LEMBAGA AMIL ZAKAT NASIONAL NURUL HAYAT DI BOJONEGORO Luthfan Hibatul Wafi; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 7 (2019): Juli-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20197pp1494-1508

This research aims to find out and analyze the influence of productive zakat to mustahiq’s business performance and economic welfare at National Amil Zakat Institution Nurul Hayat in Bojonegoro. LAZNAS Nurul Hayat Bojonegoro is one of amil zakat institutions that can develop programs in managing the largest zakat in Bojonegoro. Population in this research is all mustahiqs who received zakat from Amil Zakat Institution Nurul Hayat Bojonegoro. Sampling technique used is non-probability sampling by using purposive sampling method. There are 156 mustahik obtained that received productive zakat.The type of data used is primary data, while data collection method is questionnaire.Keywords: productive zakat, mustahiq’sbusiness performance, mustahiq’s economic welfare

KEBIJAKAN FINANCING TO VALUE, FINANCING TO DEPOSIT RATIO DAN PENGARUHNYA TERHADAP PEMBIAYAAN RUMAH DI JAWA TIMUR TAHUN 2013-2015 Muhammad Rachmad Hidayat; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 5 No. 4 (2018): April-2018
Publisher : Universitas Airlangga

The purpose of this research is to analyze the impact of the macroprudential policy that applied in Indonesia (in this case are Financing to Value and Financing to Deposit Ratio) on house financing in East Java.The object of this research are financing to value and financing to deposit ratio, and the subject of this research is house financing in 2013 until 2015. The data of this research are available in the website of the Bank Indonesia. Analysis method that used for this research is the multiple linear regression with 0,05 significationThe result of this research shows if FDR, FTV aqd MMQ-IMBT are affecting partially positive significant to House Financing in East Java. Whilst FTV aqd Murabaha and Istishna’ is affecting partially negative significant to house financing in East Java. Simultaneously, FDR, FTV aqd MMQIMBT and FTV aqd Murabahah and Istishna’ giving significant impact to house financing in EastJava REFERENCESAgung, Juda. 2010. Mengintegrasikan Kebijakan Moneter dan Makroprudensial: Menuju Paradigma Baru Kebijakan Moneter di Indonesia Pasca Krisis Globa;.Working Paper, No. 07. Bank IndonesiaArnold, Bruce, Claudio Borio, Luci Ellis dan Fariborz Moshiran. 2012. Syatemic Risk, Maroprudential Policy Frameworks, Monitoring Financial System, and the Evolution of Capital Adequacy, Journal of Banking and Finance, vol 36: 3125-3132Anshori, Muslich & Sri Iswati. 2009. Metodologi Penelitian Kuantitatif, Surabaya: Airlangga University PressBank of England. 2009. The Role of Macroprudential Policy. A Discussion Paper, November----------------------, 2011.Instrument of Macroprudential Policy. A Discussion Paper, DecemberGujarati, Damodar. 1999. Ekonometrika Dasar, Terjemahan Sumarno Zain, Erlangga, JakartaKasmir. 2003. Bank dan Lembaga Keuangan Lainnya. Jakarta : Raja Grafindo PersadaMariza, Princes Dianria. 2015. Analisis Pengaruh Kebijakan Loan to Value, Inflasi, Suku Bunga Kredit, dan Loan to Deposit Ratio terhadap Penyaluran Kredit Pemilikan Rumah Provinsi Lampung Periode 2010;01-2014;09. Lampung : Universitas Lampung Purnawan, Muhammad Edhie dan M. Abd. Nasir. 2015. The Role of Macroprudential Policy to Manage Exchange Rate Volatility, Excess anking Liquidity and Credits. Jakarta : Bank IndonesiaQuint, Dominic dan Pau Rabanal. 2011. Monetary and Macroprudential Policy in an Estimated DSGE Model of Euro Area. 12th Jacques Polak Annual Research Confrence, November.Tim Riset SMF, 2015, Dampak Perubahan Loan to ValueTerhadap Perkembangn Kredit Pemiikan Rumah.Sugiono. 2011. Metode Penelitian Pendekatan Kuantitatif, Kualitatif, dan R&D. Bandung: ALFABETASuryani, 2011, Analisis Pengaruh Financing to Deposit Ratio (FDR) Terhadap Profitabilitas Perbankan Syariah, Lhokseumawe: STAIN Malikussaleh Lhokseumawe.

PENGARUH PEMBIAYAAN DANA MUDHARABAH DALAM MENSEJAHTERAKAN PARA NASABAH UMKM BERDASARKAN PRESPEKTIF MAQASHID SYARIAH Hilmy Zein; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 1 (2019): Januari-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20191pp15-22

This study aims to examine the effect of mudharabah funding on the welfare of umkm customers based on Maqashid Syariah with variabel religion(ad-din), soul(an-nafs), sense(al-aql), offspring(an-nasl) and treasure(al-maal). The sample of this study is customers of mudharabah fund financing bank jatim syariah merr surabaya as many as 51 respondents. The data use are primary data collected using a questionnaire spread directly to customers umkm. Indicators of research variables are measured using likert scales 1 to 5. This research proves that mudharabah funding results have a significant positive effect on the welfare of customers based on maqashid sharia with religious variables religion(ad-din), soul(an-nafs), sense(al-aql) and treasure(al-maal), but on financing Mudharabah funds offspring variables (an-nasl) the results have a significant negative effect.Keywords: Mudharabah fund financing, Maqashid Syariah “ad-din, an-nafs, al-aql, an-nasl & al-maal.REFERENCESAscarya. 2007. Akad dan Produk Bank Syariah. Jakarta: PT Raja Grafindo Persada.Ali, Hamdani. 1986. FilsafatPendidikan. Yogyakarta: Kota KembangAntonio, Muhammad Syafi’i. 2001. Bank Syariah dari Teori ke Praktik. Jakarta: GemaInsani.Abdullah Saeed, Bank Islam dan Bunga: Studi Kritis Larangan Riba dan InterpretasiKontemporer, (Yogyakarta: Pustaka Pelajar, 2003), h. 91Hendi Suhendi, 2002, Fiqih Muamalah, Raja grafindo persada, Jakarta, hlm.136.http://jatim.bps.go.id/datastatistik/jawatimurkotasurabaya.434766, Diakses Pada 17 Febuari 2019. Http://ojk.go.id/id/kanal/iknb/Pages/Lembaga-Keuangansyariah, diakses pada 20 Januari 2019 Karim, Adiwarman. 2001. Ekonomi Islam, SuatuKajianKontemporer. Jakarta: GemaInsaniMujahidin, Akhmad, Ekonomi Islam: Sejarah, Konsep, Instrumen, Negara, dan Pasar,(Jakarta: Rajawali Pers, 2013), Cet- ke-2, h.257.Muhammad, Akuntansi Bank syariah,(Yogyakarta: Trust Media, 2009), h. 56Muhamad Syakir. 2004. Teknik PerhitunganBagi Hasil dan Profit Margin pada Bank Syariah. Yogyakarta: UII Press.Tadjab. 1994. PerbandinganPendidikan. Surabaya: KaryaAbditama.Todaro, Michael P. dan Stephen C. Smith.2003. Pembangunan Ekonomi di DuniaKetiga, edisikedelapan.Jakarta: Erlangga.Undang-Undang Republik Indonesia No. 20 tahun 2008 pasal 1 dan 6 tentang Usaha Mikro, Kecil dan Menengah.Undang-Undang Republik Indonesia No. 10 tahun 1998 tentang pengertian bank syariah.Undang-Undang Republik Indonesia No. 11 tahun 2009 tentang kesejahteraan sosial dan kesejahteraan UMKM.Undang-Undang Republik Indonesia No. 21 tahun 2008 tentang tugas lembaga keuangan syariah.Undang-Undang Nomor 1 Tahun 2013 tentang Lembaga Keuangan Mikro.

SISTEM PENGUPAHAN OUTSOURCING DALAM PERSPEKTIF ISLAM (STUDI KASUS PADA PT. MAHAKAM KENCANA INTAN PADI SURABAYA) M. Sahirul Alim; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 5 No. 6 (2018): Juni-2018
Publisher : Universitas Airlangga

This study aims to analyze the implementation of wage system outsourcing in PT Mahakam Kencana Intan Padi Surabaya in Islamic Perspective. Methods of research for this study used a qualitative approach with case study methods and descriptive analyzes were conducted information about wage system outsourcing in PT Mahakam Kencana Intan Padi Surabaya in depth, observed and validated data by triangulation. The results showed that implementation of oursourcing labor remuneration at PT Mahakam Kencana Intan Padi Surabaya in Islamic Perspective according based Al-Quran and Al-Hadith. The indicators used by the terms of feasibility of minimum wages and equity among workers. Insights justice in Islamic perspective is described comparative labor positions corresponding salaries earned. Payment of salaries in PT Mahakam Kencana Intan Padi accordance timelines. PT Mahakam Kencana Intan Padi is not sharia company but the results of the research conclusion is the wage system in PT Mahakam Kencana Intan Padi according Islamic perspective. REFERENCESAbdurrahman Al-Maliki. 2009. Politik Ekonomi Islam, Bogor: Al-Azhar PressBaqir Syarif Al- Qasyari. 2007.Keringat Buruh,Jakarta: Al-Huda. Hal 159Egi, Sudjana. 2002. Bayarlah Upah Sebelum Keringat Kering, Jakarta: APMI, hal 41.Ibid, Surat At-Taubah ayat 105.Ibid, Surat Yusuf ayat 72.M. A Maman. 1998. Ekonomi Islam Theori dan Praktek, Jakarta.Edisi 5. Halaman 116Muba, Wang. 2010. Tenaga Kerja Outsourcing, Artikel Diakses dari http//wangmuba.com.Pt.mahakamkencanaintanpadi.co.id. di akses 19 Juni 2014Qardhawi (al), Yusuf. Peran Nilai dan Moral dalam Perekonomian Islam. Jakarta: Robbani Press, 2001.Saeful Rahmat, Pupu. 2009. Penelitian Kualitatif,Jakarta: Equilibrium Vol.5 No. 9 Sugiarto, Rudi. 2012. Skripsi S1 jurusan Ekonomi Islam UIN Syarif Hidayatullah. Sistem Pengupahan pada PT Permata Indonesia dalam Ekonomi Islam. Jakarta. Sugiyono. (2012). Metode Penelitian Kualitatif dan R&D. Bandung: Alfabeta.Syam, Zulkhaeril. 2011. Pengupahan Karyawan Dalam Perspektif Fiqih Muamalah (Studi Kasus Pada Home Idustri, konveksi kalibata Jakarta Selatan). Jakarta.Wangsa, Sugianto dan Ming Kuang, Tan. 2011. Penelitian Kualitatif dengan studi kasus. Jakarta.Yin, Robert K. 2010. Studi Kasus: Desain dan Metode, Jakarta. PT. Raja Grafindo Persada

FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MENABUNG DI BANK MUAMALAT INDONESIA Deftyan Hadi Pratita; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 5 No. 7 (2018): Juli-2018
Publisher : Universitas Airlangga

This study used a quantitative approach using factor exploratory analysis. In this study, the characteristic of the population were customers‟ of Bank Muamalat Indonesia in Surabaya. Pre eliminary test was conducted by using focus group discussion to 10 customers, while for the main test used simple random sampling with probability sampling as the sampling method towards 100 customers. According to the result, there are eight factors that influence customers‟ saving decision in Bank Muamalat Indonesia. Those factors are the reduction result from the factor analysis process. Those eight factors are services provider, normative perception, clear information, process, the product‟s syariah value, referrals, environment suitability and office layout design. REFERENCESAlamsyah, Halim. 2012, Perkembangan dan Prospek Perbankan Syariah, Indonesia. IAEI.Anshori Muslich dan Sri Iswati. 2009. Buku Ajar Metodologi Penelitian Kuantitatif. Surabaya: Pusat Penerbitan dan Percetakan UNAIR (AUP).Antonio, Muhammad Syafii. 2001, Bank Syariah Dari Teori ke Praktek. Gema Insani Press bekerja sama dengan Yayasan Tazkia Cendekia.Assael, Henry. 1998. Consumer Behavior and Marketing Action. Sixth Edition. Massachussets: Kent Publishing Company.Departemen Agama RI. 2011. Al-Qur'an Gitosudarmo, Indriyo. 2004. Manajemen Pemasaran. Edisi Pertama Cetakan Keenam.BPFE-Yogyakarta.Kotler, Philip dan AB. Susanto.2001. Manajemen Pemasaran Indonesia.Buku 2.Salemba empat. Jakarta.--------, John Bowen and James Makens.2002. Pemasaran Perhotelan dan Kepariwisataan.Edisi 2. Jakarta: PT Prenhallindo.--------. 2004. Prinsip-prinsip Pemasaran Jilid II. Jakarta: Erlangga.--------, dan Kevin Lane Keller. 2009. Manajemen Pemasaran. Edisi 14.Jakarta: Erlangga.Malhotra, Naresh K. 2010. Riset pemasaran: Pendekatan Terapan. Jilid 1.Jakarta: PT. Indeks.Ratnasari, Ririn Tri. 2012. Konsep Dasar Syariah Marketing.Slide kuliah Manajemen Pemasaran Syariah.Pertemuan 1.Departemen Ekonomi Islam Fakultas Ekonomi dan Bisnis Universitas Airlangga.--------. 2012. Manajemen Pemasaran Islam. Modul 1. Surabaya: Departemen Ekonomi Syariah Fakultas Ekonomi dan Bisnis Universitas Airlangga.-------- dan Nisful Laila. 2012. Measuring Customer Service Quality Based on Fatanah Implementation. Proceedings of 2nd Global Islamic Marketing Conference (GIMC).Abu Dhabi.Ratnawati, Anny. 2011."Potensi dan Strategi Pengembangan Bank Syariah di Indonesia",vol.9, no. 2.Sugiyono.2010. Metode Penelitian Kuantitatif Kualitatif. Bandung: Alfabeta.Sutisna.2001. Perilaku Konsumen dan Komunikasi Pemasaran. Bandung: PT. Remaja Rosdakarya.

PERAN PEMBIAYAAN PRODUK ARRUM BPKB PT PEGADAIAN SYARIAH DALAM MENGEMBANGKAN USAHA MIKRO KECIL DAN MENENGAH DI KOTA SURABAYA Muh Novriansyah; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 8 (2019): Agustus-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20198pp1718-1732

In 2017, Bank Indonesia (BI) stated that the contribution of MSMEs was very large in encouraging economic growth with values reaching Rp. 850 trillion per year. This study aims to analyze the role of financing for ARRUM BPKB products managed by PT. Pegadaian Syariah plays a role in developing MSMEs in the city of Surabaya. This study aims to analyze the role of financing for ARRUM BPKB products managed by PT. Pegadaian Syariah plays a role in developing MSMEs in the city of Surabaya. The results of this study indicate that the financing of ARRUM BPKB products managed by PT. Pegadaian Syariah plays a role in facility standards in the form of increasing assets and facilities and infrastructure, then in the guidance standard there isa form of increasing knowledge about tips in entrepreneurship, management skills, accounting skills and marketing abilities, and roles in financing standards in the form of increased business turnover resulting in the development of business owned by customers of PT. Sharia Pawnshop.Keywords: Sharia pawnshops, ARRUM BPKB products, MSMEsREFFERENCESAl-Zuhayli, Wahbah.1985. al-Fiqh al Islam wa’ Adilatuh. Damaskus: Dar al-FikrAnshori, Abdul Ghofur. 2006. Gadai Syariah di Indonesia, Konsep, Implementasidan Institusionalisasi. Yogyakarta: UGM Press.Badan Pusat Statistik, 2017. Laju Pertumbuhan Produk Regional Domestik Bruto Kota Surabaya.Di https://surabayakota.bps.go.id. Di Akses (3Maret 2018)Diana, Nana. 2016. Pengaruh Pembiayaan Gadai Emas Dan Pembiayaan Arrum Terhadap Perolehan Laba Pegadaian Syariah. Jurnal Ar-Rahn. 1(2).Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia Nomor 25/DSN-MUI/III/2002 tentang RahnFatwa Dewan Syariah Nasional-Majelis Ulama Indonesia Nomor 26/DSN-MUI/III/2002 tentang Rahn Emas, Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia Nomor 68/DSN-MUI/III/2008 tentang Rahn TasjilyFatwa Dewan Syariah Nasional-Majelis Ulama Indonesia Nomor 92/DSN-MUI/IV/2014 tentang Pembiayaan Yang Disertai RahnHerianingrum, Sri. 2013. Pengaruh Pembiayaan Bank Syariah Terhadap Kinerja Usaha dan Kesejahteraan Pengusaha Kecil Tijarah Zira’ah di Jawa Timur.Disertasi tidak diterbitkan. Surabaya: Fakultas Ekonomi dan Bisnis Universitas Airlangga.https://pegadaiansyariah.co.id/arrum-bpkbHuda, Nurul dan Mohamad Heykal. 2010. Lembaga Keuangan Islam:Tinjauan Teoritis dan Praktis. Jakarta:KencanaKara, Muslimin. 2013. Kontribusi Pembiayaan Perbankan Syariah terhadap Pengembangan Usaha Mikro, Kecil dan Menengah.Ahkam.Vol. 13, No.2, hal.315-322.M.A., Mannan. 1975. Islamic Economics; Theory and Practice. Lahore: Houder and Stoughton Ltd.Masyrafina, I. 2017. Kontribusi UMKM untuk Pertumbuhan Ekonomi Diprediksi Turun.Republika.co.id, edisi Jumat tanggal 19 Agustus2017. http://republika.co.id/berita/ekonomi/makro/17/08/18/ouvlqv382-kontribusiumkmuntuk-pertumbuhan-ekonomi-diprediksi-turun. Diakses 04 Maret 2019.Mulazid, Ade Sofyan. 2016. Kedudukan Sistem Pegadaian Syariah. Jakarta: PT Kharisma Putra UtamaMutmainnah. 2012. Analisis Pembiayaan Arrum PT. Pegadaian Syariah terhadap Pengembangan Usaha Mikro Kecil (Studi Kasus pada Kantor Cabang PT. Pegadaian Syariah Sentral Makassar).Skripsi. Makassar: Fakultas Syariah dan Hukum Universitas Islam Negeri (UIN) Alauddin.Perum Pegadaian, Laporan Tahunan 2015 (Jakarta: Perum Pegadaian, 2016). Perum Pegadaian, Laporan Tahunan 2016 (Jakarta: Perum Pegadaian, 2017).Perum Pegadaian, Laporan Tahunan 2017 (Jakarta: Perum Pegadaian, 2018).Perum Pegadaian, Laporan Tahunan 2018 (Jakarta: Perum Pegadaian, 2019).Prasetya, R.AY dan S. Herianingrum. 2016. Peranan Baitul Maal Wa Tamwil Meningkatkan Usaha Mikro Melalui Pembiayaan Mudharabah. Jurnal Syarikah. Vol. 2, No. 2Resalawati, Ade. 2011. Pengaruh perkembangan usaha kecil menengah terhadap pertumbuhan ekonomi pada sektor UKM Indonesia. Skripsi.Jakarta Fakultas Ekonomi dan Bisnis Universitas Islam Negeri Syarif Hidayatullah.Rivai, Veithzal dan Andria Permata Veithzal. 2008. Islamic Financial Management. Jakarta: PT RajaGrafindo Persada.Rudjito.2003. Peranan Lembaga Keuangan Mikro dalam Otonomi Daerah guna Menggerakkan Ekonomi Rakyat dan Menanggulangi Kemiskinan.www.ekonomirakyat.org. Di Akses (3 Maret 2018).Syafruddin. 2014. Pengaruh Pemberian Kredit Kreasi PT. Pegadaian (Persero) Cabang Sumbawa Besar terhadap Modal Kerja Usaha Mikro dan Kecil di Kabupaten Sumbawa Tahun 2012. Jurnal Ekonomi dan Bisnis.Vol. 1, No.5, hal.13-23.Thoha, Miftah. 1997. Pembinaan Organisasi (Proses Diagnosa dan Intervensi). Jakarta: PT. Raja Grafindo PersadaUndang-Undang Republik Indonesia Nomor 20 Tahun 2008 Tentang Usaha Mikro, Kecil dan Menengah.www.pegadaian.co.id. Yin, Robert. K. 2009. Studi Kasus; Desain dan Metode. Jakarta. Raja Grafindo Persada.

IMPLEMENTASI PENGELOLAAN DANA ZAKAT, INFAK, SEDEKAH (ZIS) PADA RUMAH SINGGAH PASIEN (RSP) LEMBAGA AMIL ZAKAT (LAZ) INISIATIF ZAKAT INDONESIA (IZI) Ahmad Fahmi Abdurrahman; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 9 (2019): September-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20199pp1909-1923

This study purpose to recognize the implementation of ZIS (Zakat, Infak, Shadaqah) fund management at LAZ Indonesia Zakat Initiative (IZI) East Java in managing the Patient Shelter House program. The author of this study uses descriptive qualitative methods using a case study approach. The object of this study is LAZNAS Indonesian zakat initiative, especially the management of Patient Shelter House. The data are obtained based on the interviewing of six informants consisting of three IZI administrators who managed RSP IZI directly and three other beneficiaries of RSP IZI. The requirement to be a beneficiary of RSP IZI must be Muslim, destitute or poor and domiciled outside Surabaya. The results of the study, the implementation of ZIS LAZNAS Zakat Indonesia Initiative fund management is in accordance with Law No. 23 of 2011 concerning the management of zakat.Keywords: Zakah, Infak, Shadaqah, Patient Shelter House (RSP).REFFERENCESAl-Quran dan Terjemahannya. (2011). Jakarta : Departemen Agama Republik Indonesia.Ali, Muhammad Daud. 1998. Sistem Ekonomi Islam Zakat dan Wakaf. Jakarta: Universitas Indonesia Press.Azhar, Hary Aziz et.al. 2017. Indonesia Zakat Development Report Zakat dan Pemberdayaan. Surabaya: Airlangga University Press.Bungin, Burhan. 2008. Analisis Data Penelitian Kualitatif Pemahaman Filosofis dan Metodologis ke Arah Penguasaan Model Aplikasi. Jakarta : Raja Grafindo Persada.Hafidhuddin, Didin. 2002. Zakat Dalam Perekonomian Modern. Jakarta: Gema Isani Press.Kartika, Elsi Sari. 2006. Pengantar Hukum dan Wakaf. Jakarta: PT Grasindo.Mamik. 2014. Manajemen Mutu Pelayanan Kesehatan dan Kebidanan. Sidoarjo: Zifatama Publisher.Qardawi, Yusuf. 2011. Hukum Zakat. Bogor: Pustaka Litera Antar Nusa.Ryandono, Muhammad Nafik Hadi. 2008. Ekonomi ZISWAQ (Zakat, Infak, Shadaqah dan Waqaf). Surabaya: IFDI dan Cenforis.Samiun, Ali.2017. Pengertian Infak dan Dasar Hukum Infak. (Online) (diakses 20 April 2019 http://www.informasiahli.com/2017/01/pengertian-infak-dan-dasar-hukum-infak.html).Sarwat, Ahmad. 2011. Seri Fiqih Kehidupan 4 Zakat. Jakarta: DU Publishing.Undang-undang Republik Indonesia Nomor 23 tahun 2011 Tentang Pengelolaan Zakat.Uyun,Q. 2015. Zakat, Infak, Shadaqah, dan Wakaf Sebagai Konfigurasi Filantropi Islam. Islamuna, Vol.2(2).Yin, K. Robert. 2015. Studi Kasus: Desain dan Metode. Jakarta: Rajawali Pers.https://izi.or.id. Diakses pada hari Jumat 15 maret 2019, jam 10.00 WIBhttp://www.bps.co.id. Diakses pada hari Jumat 15 maret 2019, jam 10.00 WIB

Co-Authors A. Syatir Sofyan Aam Slamet Rusydiana, Aam Slamet Abd Rohim Abdul Muiz Hamid Abdul Muiz Hamid, Abdul Muiz Abdurrahman Mi'raj, Denizar Ach. Yasin Aditya Nurrahman Afifah Nur Millatina Afifah Nur Millatina Ahmad Fadlur Rahman Bayuny Ahmad Fahmi Abdurrahman AHMAD RIYADI Ahmad Riyadi Aidi Faiz Romadoni al Agawany, Ziad Mhmmad Wafik Al-Faizin, Abdul Wahid Alan Nur, Muhammad Aldeen, Khaled Nour Alfin Maulana Ali Shah, Syed Alamdar Alifah Aditania Alim, M. Sahirul Alvira Aina A'yun Alvira Aina A'yun Alvira ‘Aina Ayun Amri Ahmadi Annisa Masruri Zaimsyah Annisa Masruri Zaimsyah Annisa Masruri Zaimsyah Ari Prasetyo Arif Dwi Harnoko Arifin, Nur Rachmat Arikha Nur Adhilla Aris Kurniawan Ridho Armanto, Andre Atina Shofawati, Atina Azhar Alam Bagus Wilarnugroho Bahril, Muthi Adilah Baitul Hamdi Baitul Hamdi Budi, Ryan Setya Cipto, Disca Aprilinda Deby Eirma Maretha Deftyan Hadi Pratita Diah Putri Pravita Sari Diah Putri Pravita Sari, Diah Putri Pravita Dul Candra Dwi March Trisnawaty Eko Fajar Cahyono, David Kaluge Elfira Rizki Rahmadhani Faishol Luthfi Faizurrahman, Umar Haidar Faris Kurnia Hakim Fitri Drasmawita Fitria Nurma Sari Fitriani Fitriani FITRIYAH, SAYYIDATUL Fuhairah, Muhammad Tiar Fuhairah Ghamri, Mohammad Hadi, Nizar Hosfaikoni Hafidhotul Amaliyah Hakimi, Fifi Hanesti, Elsi Mersilia Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Haryo Firas Tunas Kuncoro Hasan, Agus Suaidi Hasyim, Fuad Hidayat, Muhammad Rachmad Hilmy Zein Honesty Nur Firdaus Hosfaikoni Hadi, Nizar Ibnu Affan Iffa Amalia Iffa Amalia, Iffa Ihdina Sabilal Haq Imam Gracia Marshall Imron Mawardi Imronjana Syapriatama Inayah S. Ratih Inayah Swasti Ratih Inayah Swasti Ratih Indirwan, Syanisma Insani, Taqiyah Dinda Ira Humaira Hany Irham Zaki Irma Andriyaningtyas Isti Nuzulul Atiah Jaenudin, M Khaled Nour Aldeen Khalwat Asyaria Khalwat Asyaria Khofidlotur Rofiâ€™ah Khofidlotur Rofi’ah Khofidlotur Rofi’ah KHURUL AIMMATUL UMMAH Kurnia, Riana Aflika Eka Larasati, Pradipta Puspita Lestari Dwi Astuti Lestari, Nurrizka Puji Lina Aprilianti Luthfan Hibatul Wafi Luthfiyatillah Luthfiyatillah Luthfiyatillah, Luthfiyatillah M. Sahirul Alim Mamduh, Muhammad Faizul Masrizal Masrizal Masruhatul Abadiyah Masruhatul Abadiyah, Masruhatul Mauizhotul Hasanah Mauizhotul Hasanah Maya Masita Septiarini Mega Ayu Maharanie Mega Ayu Maharanie, Mega Ayu Melzatia, Haura Hazimah Meri Indri Hapsari, Meri Indri Miftahur Rahman Miftahurrahman, Miftahurrahman Millatina, Afifah Nur Millatina, Afifah Nur Millatina, Nur Afifah Misbahul Muniroh Muh Novriansyah Muhamad Nafik Hadi Ryandono Muhamad Wahyudi Muhamad Wahyudi, Muhamad Muhammad Adam Muhammad Alan Nur Muhammad Cholil Muhammad Nabil Muhammad Rachmad Hidayat Muhammad Raihan Mauludin Muhammad sanusi Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al-Mustofa Muhammad Wicaksono Hasdyani Putra Mujahidah, Sitti Hamidah Mujahidah, Sitti Hamidah Mulyatiningsih Mulyatiningsih Mulyatiningsih, Mulyatiningsih Mumuh Muhammad Musthofa , Wakhid Muthi Adillah Bahril Nabila Nabila Nafi’ah, Bariyyatin Naily Rohmah Najiatun Najiatun Najmudin Nida Laili Fitriyah Nida Laili Fitriyah Nisful Laila Novian Abdi Firdausi Novita Novita Novita Nugraha, Fajar Putra Nur Afifah Millatina Nur Liviasari Yulma Nur Puji Rohmawati Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nurillah, Shinta Lintang Nurrizka Puji, Lestari Nurul Farida Damayanti Nurul Farida Damayanti, Nurul Farida Nurul Huda Nurul Huda Pertiwi, Tanza Dona Pradipta Aditya Pradipta Aditya, Pradipta Pradipta Puspita Larasati Pradipta Puspita Larasati Prasetya, Renata Agung Prasetya, Renata Agung Pratita, Deftyan Hadi Puji Sucia Sukmaningrum Puspita Rachman Putra, Muhammad Wicaksono Hasdyani Putri Amalia Zahrah Putri, Aura Permata Rachma Indrarini Rachmania Nurul Fitri Amijaya Radatiya Chorul Achiroh Ramly, Arroyan Rani, Lina Nugraha Ratih, Inayah Swasti Rendra Akbar Rendra Akbar, Rendra Reza Ramadhan Riana Afliha Eka Kurnia Riana Afliha Eka Kurnia, Riana Afliha Eka Ridan Muhtadi Ririn Tri Ratnasari Risa Sari Pertiwi Risa Sari Pertiwi Risanda A. Risanda Alirastra Budiantoro Rizky Pratama Putra Rizky Pratama Putra Robani, Anidah Binti Rohmah Niah Musdiana, Rohmah Niah Romadhani, Karunia Rusanti, Ega Rusmita, Sylva Alif Ryan Rahmah Maulayati Ryan Rahmah Maulayati Sakinah Rachman Samsul Arifin SAYYIDATUL FITRIYAH Sholikhin, Mohammad Yusron Sitti Hamidah Mujahidah Sitti Hamidah Mujahidah Sofiaturrohmah, Siti Soleh, Nurah Badrus Sri Abidah Suryaningsih Sri Ningsih Sri Yayu Ninglasari Sudoto, Sudoto Sulistya Rusgianto Supriani, Indri Supriono Supriono Susanto, Arva Athallah Syahruddin Syahruddin Syaifullah Syarifuddin Syarifuddin Tamimah Tamimah Tamimah Tamimah Tamimah Tamimah Tamimah, Tamimah, Tamimah Tata Leni Lestari Tika Widiastuti Tjiptohadi Sawarjuwono UMMAH, KHURUL AIMMATUL Ummi Kulsum Ummi Muthi`ah Fathy, Ummi Muthi`ah Ummu Atika Azizah Wahab, Abd. Wijayanti, Ida Yan Putra Timur Yayan Firmansah Zulfikri Charis Darmawan

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