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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) EKSPANSI Tribakti: jurnal pemikiran keIslaman Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Maps (Manajemen Perbankan Syariah) Journal of Applied Science, Engineering, Technology, and Education El-kahfi : Journal of Islamic economics International Journal of Educational Review, Law And Social Sciences (IJERLAS) Al-Muamalat : Jurnal Ekonomi Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan QULUBANA: Jurnal Manajemen Dakwah Indonesian Journal of Economics and Management Jurnal Riset Ekonomi Syariah Journal of Applied Islamic Economics and Finance Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Jurnal Hukum dan Pembangunan Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Tribakti: Jurnal Pemikiran Keislaman
Intan Nurrachmi
Faculty Of Sharia, Universitas Islam Bandung
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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The Rulings on Capital Return Guarantees in Mudhârabah (Profit Sharing) Contracts: A Comparative Study Between The AAOIFI Sharia Standards and The DSN-MUI Fatwas Agus Putra, Panji Adam; Saripudin, Udin; Nurrachmi, Intan
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 15, No 1 (2023)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v1i1.30494

Abstract

Abstract. This study aims to identify and analyze the legal constructions of capital guarantees in the AAOIFI Sharia Standards and the DSN-MUI Fatwas. This is normative legal research with a specific comparative approach. This research shows that the rulings of the AAOIFI Sharia Standards are more reassuring and prioritize the principle of ihtiyāth (precaution). Meanwhile, the legal provision of the DSN-MUI fatwas, allowing the capital manager to guarantee a return on business capital, is a commitment in the form of tabarru from the fund manager. T he commitment should be fulfilled since it is a wa’ad mulzim (binding promise). T his legal provision of the DSN-MUI Fatwas is a form of innovative ijtihad that seems different from the opinions of most scholars used as the legal basis of the AAOIFI. However, the DSN-MUI’s fatwa is supported by various arguments and is more applicative. Abstrak. Penelitian ini bertujuan untuk mengetahui dan menganalisis konstruksi hukum jaminan modal dalam Standar Syariah AAOIFI dan Fatwa DSN MUI. Penelitian ini merupakan penelitian hukum normatif dengan pendekatan komparatif. Penelitian ini menunjukkan bahwa ketentuan Standar Syariah AAOIFI lebih tepat dan mengedepankan prinsip ihtiyāth (kehati-hatian). Sedangkan ketentuan hukum fatwa DSN-MUI yang memperbolehkan pengelola modal dengan jaminan pengembalian modal adalah komitmen dalam bentuk tabarru dalam pengelolaan dana. Komitmen tersebut harus dipenuhi karena merupakan wa’ad mulzim (janji mengikat). Ketentuan hukum Fatwa DSN MUI ini merupakan bentuk ijtihad inovatif yang nampaknya berbeda dengan pendapat kebanyakan ulama yang dijadikan landasan hukum AAOIFI. Namun, fatwa DSN-MUI didukung oleh berbagai argumentasi dan lebih aplikatif.
Human Resources Development for Competitive Innovation in Sharia Banks: A Case Study of BSI KCP Kopo Nurrachmi, Intan; Refanisa Zaeni, Mutiara; Ibadurrahman, Zayd; Nazwa Khoerunisa, Fadila; Aulia Resa, Alif
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.454

Abstract

Along with the rapid development of technology and the increasingly globalization of the world, the banking sector faces increasingly complex challenges. Fierce competition, changing consumer behavior, and advances in information technology are forcing banking institutions to adapt and innovate in their products and services. This analysis aims to provide an in-depth understanding of the role of human resources (HR) in encouraging innovation in the banking sector, especially in Islamic banking. This study uses a qualitative approach with a phenomenological study design to explore the experiences and perceptions of Islamic banking employees about the importance of human resource competencies in supporting more competitive service innovation. The main results of the study show that human resource competencies, especially in terms of creativity, technological expertise, and understanding of sharia principles, are key factors in driving service innovation. However, Islamic banking faces major obstacles in recruiting and retaining top talent due to stiff competition with more established conventional banks, offering more attractive compensation and benefits. This study reveals how employees' perception of limitations in human resource management has a direct impact on the dynamics of innovation in the context of value-based Islamic banking. The results of the research will enrich the literature on sharia value-based HR management with a focus on the relationship between individual competencies and service innovation in the ethics-based financial sector. The success of innovation in Islamic banking is highly dependent on the quality and strategy of human resource management, which must proactively address external challenges by prioritizing value-based competency development and innovation sustainability.
Recovery of Wakaf Assets Post Natural Disasters according to Islamic Law and Positive Law Sulistiani, Siska Lis; Nurrachmi, Intan; Fawzi, Ramdan
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 11 No. 2 (2024): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i2.35017

Abstract

This study aims to ascertain and evaluate the processes followed by national and Islamic law to recover waqf assets following a calamity. The 1945 Constitution, Law No. 41 of 2004 on Waqf, and other regulations are among the key legal data sources used in this qualitative study employing a normative juridical method from the viewpoint of Islamic law, which is derived from the Quran, the Hadith, and the views of relevant scholars. Periodicals and other pertinent articles are examples of secondary legal sources. Next, using descriptive analytic techniques, the data was gathered through library research and examined to determine the synchronization stage and compliance with legal norms and principles. The study's findings demonstrate that waqf assets—such as damaged land and buildings—can be recovered. In Islamic law, as long as there is no proof of someone's ownership, the assets return to the state. This is almost the same as positive law in Indonesia, namely if the affected waqf assets are destroyed or damaged and previously had a waqf certificate, efforts can be made to identify the waqf assets, and if important files related to the waqf are lost, you can contact BPN to get a copy, but if the assets are destroyed according to the UUPA the land returns to the state. Financing can be done by optimizing the funding of cash waqf and cash waqf for efforts to repair and rebuild these assets.
Pengaruh Religiusitas, Kepercayaan, dan Kepuasan terhadap Keputusan Pembelian Ulang Produk Halal Nurrachmi, Intan; Setiawan, Setiawan
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 2 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i2.3521

Abstract

Kehalalan suatu produk merupakan kebutuhan wajib bagi setiap konsumen, terutama konsumen muslim. Dalam memilih produk halal didasari dengan berbagai sebab. Religiusitas menjadi dasar seorang konsumen muslim memilih produk halal, hal ini merupakan komitmen menjalankan ajaran Islam secara menyeluruh. Keputusan memilih produk halal juga dipengaruhi faktor psikologis seperti kepercayaan terhadap produk halal yang selanjutnya dapat memberikan kepuasan, sehingga berdampak pada keterhubungan dan ketergantungan kepada produk halal tersebut. Penelitian ini meninjau lebih jauh pengaruh religiustas terhadap keputusan untuk membeli ulang produk halal melalui kepuasan dan kepercayaan terhadap produk. Penelitian dilakukan melalui metode survei dengan menyebarkan angket kepada responden di Kota Bandung. Analisis data dilakukan melalui pendekatan SEM-PLS dan alat bantu yang digunakan adalah WarpPLS. Hasil penelitian menunjukkan bahwa religiusitas, kepercayaan dan kepuasan berpengaruh signifikan terhadap keputusan pembelian ulang produk halal. 
PERTUKARAN INFORMASI TERHADAP PENANGANAN STUNTING DI INDONESIA DAN KOREA SELATAN Sari, Ninuk Permata; Nurrachmi, Intan; Jamilah, Lina; Nurliawati, Nita; Zaeni, Mutiara Refanisa; Nasawi, Avicenna Mujtahid
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 5, No 5 (2025): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i5.1816

Abstract

In Indonesia and South Korea, stunting is still a serious nutritional problem. However, there is a significant difference in the prevalence of stunting where the incidence of stunting in Indonesia is still quite high even though there has been a decline, namely from 24.4% in 2021 to 21.6% in 2022. Meanwhile, the stunting rate in South Korea is very low, even the lowest in East Asia with only 2.5% of children under 5 years of age experiencing stunting. The purpose of this community service is to exchange information about the policies of the two countries in dealing with stunting and to study the good practices of the application of Indonesian government policies carried out by the PKK mothers of Taman Sari Village by creating the Cikalat (Love for Toddlers) innovation program. The community service method is carried out through lectures, panel discussions and questionnaire. Community service activities were carried out in Taman Sari Village, Bandung City on May 14, 2025. The target of the service was PKK mothers and the community of Taman Sari Village, Bandung City. The conclusion of this activity is that information related to policies between countries is conveyed well and ends with the signing of the Implementation Agreement from the three universities involved.ABSTRAKDi negara Indonesia dan Korea Selatan, stunting masih menjadi masalah gizi yang cukup serius. Meski demikian, terdapat perbedaan prevalensi stunting yang cukup signifikan dimana kejadian stunting di Indonesia masih cukup tinggi walaupun sudah terjadi penurunan yaitu dari 24,4% di tahun 2021 menjadi 21,6% di 2022. Sementara itu, angka stunting di Korea Selatan sangat rendah, bahkan terendah di Asia Timur dengan hanya 2,5% anak di bawah usia 5 tahun yang mengalami stunting. Tujuan pengabdian kepada masyarakat ini adalah untuk pertukaran informasi tentang kebijakan kedua negara dalam menangani stunting serta mempelajari praktik baik aplikasi kebijakan pemerintah Indonesia yang dilakukan oleh ibu-ibu PKK Kelurahan Taman Sari dengan menciptakan program inovasi Cikalat (Cinta ka Balita). Metode pengabdian kepada masyarakat dilakukan dengan ceramah, diskusi panel dan kuesioner. Kegiatan pengabdian masyarakat dilaksanakan di kelurahan Taman Sari kota Bandung pada tanggal 14 Mei 2025. Sasaran pengabdian adalah ibu-ibu PKK serta masyarakat kelurahan Taman Sari kota Bandung. Kesimpulan dari kegiatan ini adalah informasi terkait kebijakan antar negara tersampaikan dengan baik serta diakhiri dengan penandatangan Implementation Agreement dari tiga Universitas yang terlibat.
Strategi Pemberdayaan UMKM Pangan Dapur Sehat Binaan Baitul Maal Muamalat di Kebon Waru Bandung Lasmanah, Lasmanah; Nurrachmi, Intan; Rukmana, Jaka; Zaeni, Mutiara Refanisa; Fitriyanti, Asti
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 5, No 5 (2025): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i5.2061

Abstract

Food MSMEs have a strategic role in encouraging local economic growth, increasing food security, and creating jobs. However, many food MSME actors, including the Baitul Maal Muamalat Healthy Kitchen in Kebon Waru Village, Bandung, face challenges in the aspect of product innovation, namely low product durability due to suboptimal food preservation and packaging methods, thus hindering the distribution of products to a wider market. In addition, the lack of halal certification for some members causes limitations in reaching a wider market segment. This program aims to formulate an effective empowerment strategy to increase the capacity and competitiveness of healthy kitchen MSMEs in terms of product preservation and packaging, as well as business sustainability management. The methods used include a qualitative approach with field observations, in-depth interviews with MSME actors and Baitul Maal Muamalat managers, as well as participatory and applicative approaches. The results show that empowerment based on continuous mentoring, product innovation training, and halal certification assistance are able to increase knowledge about product preservation techniques, improve production management and awareness of the importance of halal certification. Based on the results of the pretest conducted before the training, the partner's knowledge of food preservation techniques obtained an average score of 68.9, while the posttest results conducted after the training obtained an average score of 89.4, which shows an increase in ability of 20.5% in terms of knowledge of food preservation and packaging techniques. An empowerment strategy that is integrated with a participatory approach and institutional support can encourage the independence and sustainability of food MSMEs.ABSTRACUMKM pangan memiliki peran strategis dalam mendorong pertumbuhan ekonomi lokal, meningkatkan ketahanan pangan, dan membuka lapangan kerja. Namun, banyak pelaku UMKM pangan, termasuk Dapur Sehat binaan Baitul Maal Muamalat yang berada di Kelurahan Kebon Waru, Bandung, menghadapi tantangan dalam aspek inovasi produk yaitu rendahnya daya tahan produk akibat metode pengawetan dan pengemasan makanan belum optimal, sehingga menghambat distribusi produk ke pasar yang lebih luas. Disamping itu, belum adanya sertifikasi halal bagi sebagian anggota menyebabkan keterbatasan dalam menjangkau segmen pasar yang lebih luas. Program ini bertujuan untuk merumuskan strategi pemberdayaan yang efektif untuk meningkatkan kapasitas dan daya saing UMKM Dapur sehat dalam hal pengawetan dan pengemasan produk, serta manajemen keberlanjutan usaha. Metode yang digunakan meliputi pendekatan kualitatif dengan observasi lapangan, wawancara mendalam terhadap pelaku UMKM dan pengelola Baitul Maal Muamalat, serta pendekatan partisipatif dan aplikatif. Hasilnya menunjukkan bahwa pemberdayaan berbasis pendampingan berkelanjutan, pelatihan inovasi produk, dan pendampingan sertifikasi halal mampu meningkatkan pengetahuan tentang teknik pengawetan produk, memperbaiki manajemen produksi dan kesadaran pentingnya sertifikasi halal. Berdasarkan hasil pretest yang dilakukan sebelum pelatihan bahwa pengetahuan mitra tentang teknik pengawetan makanan didapatkan skor rata-rata 68,9, sedangkan hasil postest yang dilakukan setelah pelatihan didapatkan skor rata-rata 89,4, hal tersebut menunjukkan peningkatan kemampuan sebesar 20,5% dalam hal pengetahuan teknik pengawetan dan pengemasan makanan. Strategi pemberdayaan yang terintegrasi dengan pendekatan partisipatif dan dukungan kelembagaan dapat mendorong kemandirian dan keberlanjutan UMKM pangan.
MUTHAWWIF COMPETENCY IMPROVEMENT TRAINING IN THE SERVICE OF HAJJ AND UMRAH PILGRIMS IN SAUDI ARABIA Intan Nurrachmi; Neni Sri Imaniyati; Panji Adam Agus Putra
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 4 No. 4 (2024): July
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v4i4.1728

Abstract

Training is one of the crucial elements in strengthening the professional capabilities of Muthawwif, a spiritual and practical companion for Hajj and Umrah pilgrims in Saudi Arabia. This PKM explores the significance of training in improving the competence of Muthawwif, focusing on improving services and pilgrim experience. Effective training methods integrate key aspects, including religious knowledge, time management, intercultural communication, as well as emergency situation handling skills. Analysis of the training results shows a marked improvement in the quality of services provided by Muthawwif, as well as its positive influence on pilgrim satisfaction and safety. The implications of this increased competence pave the way for further development in supporting spiritual and safety experiences for Hajj and Umrah pilgrims in Saudi Arabia.
Swot Analysis On CIMB Niaga Shari'ah Bank Nurrachmi, Intan; Azzahra, Fatma
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 11 No 1 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v11i1.1576

Abstract

This study focuses on a SWOT analysis of CIMB Niaga Syariah Bank, The problems and phenomena raised are the competition between Islamic banks and conventional banks in the digital era, where technological changes encourage banks to innovate to meet the needs of customers who increasingly prioritize digital-based transactions. The purpose of the research is to analyze the marketing strategies used by Bank CIMB Niaga Syariah using SWOT (Strength, Weakness, Opportunity, and Threat) analysis in facing competition in the digital era. The research method used in this study is descriptive qualitative with interview data sources, which aims to collect data directly from relevant sources from Bank CIMB Niaga Syariah. The study uses SWOT analysis to assess the strengths, weaknesses, opportunities, and threats to banks. The results of the research on bank competition in the digital era show that digital transformation has significantly changed the landscape of the banking industry. By leveraging the strength of its large customer base and wide range of market opportunities, the bank was able to increase its market share despite the challenges of well-known competitive brands. This research confirms the importance of innovation and financial skills training for customers or clients to support the growth of banks in the Islamic banking sector.
Co-Authors Adam Agus Putra, Panji Agung Laksono Aljiel Sarah Aljiel Sarah Alya Syifa Utami Handriansyah Amalia solihat Amrullah Hayatudin Andri Ibrahim Arafah, Mudrikatul Asep Ramdan Hidayat Aulia Resa, Alif Azri Bhari Azzahra, Fatma Azzahra, Putri Bhari, Azri Darwis Robinson Manalu Davina Jasmine Azzahra Deden Gandana Madjakusumah Elisa Siti Widyastuti Eva Fauziah Eva Misfah Bayuni Fahira Febriana Ayuni Destari Fawzi, Ramdan Fitriyanti, Asti Geugeut Kinasih Wahyuni Guellica Agnesia Claudia Thanos Hana Khairunnisa Hasbi Assidiki Mauluddi Hery Widijanto Ibadurrahman, Zayd iil waludi Ivana Nurul Zahra Iwan Permana Jaka Rukmana Kholid Anggara Lasmanah, Lasmanah Lina Jamilah Maman Surahman Moh. Andri Ibrahim Mohamad Andri Ibrahin Mohamad Dandi Maulana Muhamad Anwar Siddiqi Muhammad Celvin Julian Soza Muhammad Fakhrul Arifin Muhammad Farhan Bagja Naufal Muhammad Hanif MUHAMMAD TAUFIK Najmah Salamah Nandang Ihwanudin Nanik Eprianti Nasawi, Avicenna Mujtahid Nazwa Khoerunisa, Fadila Neneng Nurhasanah Neni Sri Imaniyati Nesya Bilqish Firmansyah Novita Siti Mulyasari Nurliawati, Nita Panji Adam Agus Putra Popon Srisusilawati Prinisa Hamdani Putri Diah Ayu Lestari Radia Purbayati Raissya Salsabila Febriandhane Refanisa Zaeni, Mutiara Resya Wahyuni Rizqia Nur Afifah Robbi Rahim Sadam Mochamad Fahrurozi Sari, Ninuk Permata Setiawan Setiawan Silvia Renia Devi Siska Lis Sulistiani Siti Husna Alawiyah Syamsu Rijal Syarief, Mochamad Edman Syintia Ulfa Juliani Taufiqurrachman Tiya Rissa Kamila Toong Hai Sam Trie, Cheira Baby Tubagus Farhan Fauzian Udin Saripudin Usi Sumiati Wahyu Rizki Hadiwijaya Wanda Puspita Sari Yuaniko Paramitra Yudiyanto Tri Kurniawan Zaeni, Mutiara Refanisa