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Implementasi Akad Pembiayaan Murabahah Pada Koperasi Pojok Syariah Derani Hotimah; Dandan Irawan; Nanang Sobarna
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2022): Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v4i1.2956

Abstract

Murabahah Financing Agreement is one of the transactions of buying and selling an item or asset that is affirmed at the acquisition price to the buyer and the buyer will pay it at an additional price as a profit. One of the foundations used to manage the financing of this murabahah is the Fatwa DSN-MUI No.04/DSN-MUI/ IV/2000 concerning Murabahah. This study aims to determine the suitability between the implementation of the murabahah financing agreement at Koperasi Pojok Syariah in the perspective of DSN-MUI Fatwa No.04/DSN-MUI/IV/2000 concerning Murabahah. The research method used is a descriptive analysis and quantitative approach through observation, interviews with informants and the distribution of questionnaires to get an overview of the implementation of the murabahah financing agreement. The results of this study, the implementation of the murabahah financing agreement at Koperasi Pojok Syariah is in accordance with the provisions of the DSN-MUI Fatwa No.04 / DSN-MUI / IV / 2000 concerning Murabahah,
Penerapan Akad Al-Qardh Pada Koperasi Pojok Syariah Cileunyi Bandung Kesesuaiannya Dengan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Khotimah Damayanti; Rima Elya Dasuki; Nanang Sobarna
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2022): Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v4i1.2964

Abstract

Al-Qardh is a type of loan given to parties who need assistance in urgent circumstances for a certain period of time without having to pay interest or profit. The loan of al-Qardh's contract is adjusted to the perspective of DSN-MUI Fatwa No: 19/DSN-MUI/IV/2001 concerning Al-Qardh. Therefore, this study aims to determine the application of the Al-Qardh contract, conformity to the perspective of DSN-MUI Fatwa No: 19/DSN-MUI/IV/2001, and to know the efforts made by the Koperasi Pojok Syariah to be in accordance with the fatwa perspective. The research method used is descriptive analysis with a qualitative approach through observation and also interviews with informants to be able to describe the mechanism for implementing the Al-Qardh contract. The results showed that the Koperasi Pojok Syariah generally implemented the Al-Qardh agreement in accordance with DSN-MUI Fatwa No: 19/DSN-MUI/IV/ 2001. However, there needs to be a stage that must be recommended in the contractual mechanism in the Al-Qardh contract loan.
Analisis Penerapan Prinsip Operasional Lembaga Keuangan Syari’ah Pada Sistem Keuangan Koperasi Simpan Pinjam Dan Pembiayaan Syari’ah Al-Uswah Indonesia Nanang Sobarna
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2022): Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v3i2.1012

Abstract

Al Uswah Indonesia Sharia Savings and Loans Cooperative is a cooperative business entity that collects funds from the public and distributes it to members in the form of financing based on sharia principles. This includes the application of operational principles to the financial system of KSPPS Al-Uswah Indonesia must be in accordance with sharia principles in regulating its financial system because the operation of this financial system will affect the financial performance of KSPPS Al-Uswah Indonesia. The purpose of this study is to find out the application of the operational principles of Islamic financial institutions at KSPPS Al Uswah Indonesia. The research method used is the case study method with a descriptive qualitative approach. The application of the operational principles of sharia financial institutions to the financial system of KSPPS Al-Uswah Indonesia has been implemented in accordance with the provisions of sharia principles that exist in sharia financial institutions as sharia cooperatives.
Mekanisme Penghimpunan Wakaf Uang Pada Koperasi Simpan Pinjam dan Pembiayaan Syariah Baitul Maal Wattamwil Nanang Sobarna; Gina Ayunisa Rahmani
Coopetition : Jurnal Ilmiah Manajemen Vol. 14 No. 2 (2023): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v14i2.3358

Abstract

The Baitul Maal Wattamwil (BMT) Al-Amanah Situraja Sumedang Savings and Loans and Sharia Financing Cooperative (KSPPS) is a Sharia Cooperative that has the authority to collect zakat, infaq, shadaqah and waqf funds, including cash waqf. In order to finance and carry out empowerment through cash waqf, KSPPS BMT Al-Amanah Situraja Sumedang is actively engaged in collecting cash waqf so that the cash waqf empowerment program is in order to achieve prosperity for members and the community. The purpose of this study is to find out the mechanism for collecting cash waqf KSPPS BMT Al-Amanah Situraja Sumedang. The research method used is descriptive analysis with a qualitative approach through observation of the object studied, as well as interviews with informants to be able to describe the collection of cash waqf at KSPPS BMT Al-Amanah Situraja Sumedang. Based on the results of an analysis of the mechanism for collecting cash waqf funds at KSPPS BMT Al-Amanah Situraja Sumedang, this was carried out by conducting intensive outreach to members and the public, both directly and through social media. Through this program, waqif candidates are interested in making cash waqf at KSPPS BMT Al-Amanah Situraja Sumedang with a cash waqf payment system or by installments through various installments.
Mekanisme Penerapan Denda Keterlambatan Pembayaran Dalam Akad Murabahah Pada Koperasi Simpan Pinjam Dan Pembiayaan Syariah Baitul Maal Wa Tamwil Nusa Ummat Sejahtera Cabang Tanjungsari Nurhana Safira Putri Wahyudi; Nanang Sobarna
Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2023): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ecoiqtishodi.v5i1.3715

Abstract

This study aims to determine the mechanism for applying late fines in murabahah contracts at the Baitul Maal wa Tamwil Nusa Ummat Sejahtera Sharia Cooperative, Tanjungsari branch (KSPPS BMT NU Sejahtera, Tanjungsari branch). The method used in this research is a qualitative descriptive approach. To obtain the necessary data using primary data techniques, namely interviews. From this study it can be seen that the mechanism for applying late fines in murabahah contracts at KSPPS BMT NU Sejahtera Tanjungsari branch is not applied to all members who are late in making installment payments, if members experience force majeure then members will not be fined. The mechanism for implementing late fines at KSPPS BMT NU Sejahtera Tanjungsari branch is appropriate because it is in accordance with the Fatwa of the National Sharia Council NO: 17/DSN-MUI/IX/2000 fatwa regarding sanctions for able customers who delay payments.
The The Implementation of Sharia Pawn To Conform To The Guidance of The Qur'an And As-Sunnah Uses The Instructions And Limitations of Al Qawa'id Al-Fiqiyyah Ian Rakhamawan Suherli; Fauzan Januri; Ishandawi Ishandawi; Nanang Sobarna
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 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.v9i2.1068

Abstract

The progression of time is inevitable, including all manifestations of dispute, particularly in economics, which encompasses a diverse range of transactions, including pawn transactions. To ensure that pawning aligns with Islamic teachings, examining the pawn procedure's legal aspects through the principles of fiqh is imperative. This paper discusses the four principles of fiqh: asasiyah (fundamental), furu'iyah (branch), kulliyah (general), and khasasi (specific). These principles can be employed in sharia pawn (rahn) practice. Fiqh asasiyah, similar to the principles of maslahat, prioritizes the promotion of benefit and justice in rahn. The comprehensive regulations of furu'iyah can facilitate the implementation of Islamic law in rahn. The regulations governing the terms and conditions of rahn are addressed in the kulliyah rules. At the same time, the khasasi law focuses on specific provisions concerning rahn, such as the types of products that can be used as collateral. The topic encompasses fifteen fiqh laws of rahn, which regulate the pillars, conditions, and regulations of rahn. The principles of fiqh are crucial in ensuring that the implementation of rahn aligns with Islamic sharia and effectively addresses the contemporary challenges associated with rahn due to societal advancements. This text employs descriptive analysis, incorporating prior studies' literary evaluations and data from reference works that delve into sunnah, hadith, pawn, and fiqh rules. By understanding the rules of fiqh, pawning practices can be in accordance with sharia and implemented by companies and individuals in the contemporary era without worrying about usury contamination.
Implementation of Corporate Social Responsibility in Sharia Cooperatives in Implementing Cooperative Social Functions Nanang Sobarna; Dady Nurpadi
J-Coop : Journal of Co-operative Vol. 1 No. 1 (2025): J-Coop : Journal of Co-operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v1i1.4

Abstract

This research aims to examine the implementation of Corporate Social Responsibility (CSR) in sharia cooperatives and how this supports the social function of cooperatives. CSR in sharia cooperatives plays an important role in creating sustainable added value for society, especially with the existence of sharia principles which focus on general welfare. This research uses a qualitative approach with a library study method, collecting data from various sources of accredited national journals and indexed international journals. The research results show that sharia cooperatives implement CSR through various social initiatives such as education, economic empowerment, and support for the welfare of members and communities. Effective implementation of CSR contributes to strengthening the social role of sharia cooperatives, creating a more harmonious relationship between cooperatives and the community, and increasing member loyalty. These findings provide insight that CSR based on sharia values not only fulfills social responsibility but can also strengthen the image of cooperatives and support local economic sustainability goals. Therefore, sharia cooperatives are expected to continue to develop CSR programs that are in line with sharia principles to maximize social and economic impacts for the community.