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Enhancing Cooperative Member Loyalty: The Nexus of Service Quality, Institutional Image, and Governance Nurdin, Ridwan; Umuri, Khairil; Riyaldi, Muhammad Haris
Share: Jurnal Ekonomi dan Keuangan Islam Vol 14, No 1 (2025): IN PROGRESS
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.v14i1.22446

Abstract

Cooperatives play a crucial role in driving economic development in Indonesia. However, increasing competition from financial institutions has made member loyalty a key factor in ensuring cooperative sustainability. Baitul Qiradh Baburrayyan Cooperative, (KBQ Baburrayyan) a leading coffee-exporting cooperative in Aceh Tengah Regency, Indonesia, faces these challenges while striving to maintain strong member engagement. This study explores the strategies implemented by KBQ Baburrayyan to sustain member loyalty using a qualitative approach with descriptive analysis. The findings reveal that the cooperative enhances service quality through improved coordination and collaboration between management and members. Additionally, strong governance and member-oriented business practices empower members by addressing their economic needs. The cooperative also maintains a positive institutional image, fostering trust among members and stakeholders. This study highlights that service quality, governance, and institutional reputation are essential factors in sustaining long-term member loyalty in cooperatives.======================================================================================================== ABSTRAK - Meningkatkan Loyalitas Anggota Koperasi: Hubungan antara Kualitas Pelayanan, Citra Organisasi, dan Tatakelola. Koperasi memiliki peran penting dalam mendorong perkembangan ekonomi di Indonesia. Dalam menghadapi persaingan dengan lembaga keuangan lainnya, mempertahankan loyalitas anggota menjadi faktor kunci dalam menjaga keberlanjutan koperasi. Koperasi Baitul Qiradh (KBQ) Baburrayyan, sebagai koperasi eksportir kopi terkemuka di Kabupaten Aceh Tengah, juga menghadapi tantangan untuk mempertahankan loyalitas anggotanya. Penelitian ini mengeksplorasi strategi yang diterapkan KBQ Baburrayyan dalam mempertahankan loyalitas anggota dengan menggunakan pendekatan kualitatif dan analisis deskriptif. Hasil penelitian menemukan bahwa dalam mempertahankan loyalitas anggota, KBQ Baburrayyan melakukan beberapa strategi, yaitu menjaga kualitas pelayanan dengan meningkatkan koordinasi dan kerjasama yang baik antar pengurus dan anggota. Selain itu, koperasi juga menjalankan tata kelola dan bisnis yang berorientasi pada pemberdayaan anggota, sehingga anggota dapat memenuhi kebutuhan hidup mereka dengan baik. Koperasi juga berupaya menjaga citra sehingga senantiasa dipandang baik oleh anggota dan stakeholder lainnya. Hasil penelitian ini menunjukkan bahwa untuk menjaga loyalitas anggota, koperasi harus senantiasa menjaga kualitas pelayanan, tata kelola dan citra dengan baik. 
A RECONNAISSANCE OF MUAMALAH FIQH ON THE PROFIT-SHARING SYISTEM IN NUTMEG MANAGEMENT (CASE STUDY IN MEUKEK SUB-DISTRICT) Nurdin, Ridwan; Yuhermansyah, Edi; Afrillia, Shintia
Dusturiyah: Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Vol 13, No 1 (2023)
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dusturiyah.v13i1.18447

Abstract

Islam teaches to muamalah correctly in accordance with the shari'ah that is taught. There are several systems of mu'amalat cooperation known as muzara'ah, mukhabarah, ijarah, musaqah and syirkah. In the current economic system, the concept of profit sharing is widely used by the community with modifications that can be made freely by the parties in the business. Profit sharing is a cooperative relationship between two or more people in terms of capital, skills, or trust in a particular business with profit sharing based on a ratio. Meukek District is an area that still has a lot of nutmeg plants, although not as much as in the past. The owner of the nutmeg plantation handed over his garden to someone who was trusted to take care of his garden, because the garden owner did not have time to manage the garden. The handover of the garden was based on the results of deliberation between the two parties, which later the results from the garden were divided into two. The purpose of this study was to determine the profit-sharing system for nutmeg management in Meukek District. The research approach used by the author in the discussion of this thesis is a qualitative approach. Data collection techniques used are observation, interviews and documentation. The profit-sharing system for the management of nutmeg in the Meukek Sub-district The agreement is carried out only orally, not in writing by means of mutual consultation regarding the revenue-sharing system from the agreed management of nutmeg. The duration of the cooperation depends on the mutual agreement between the garden owner and the cultivator. The distribution of the results is done in the form of money instead of nutmeg, after the nutmeg is harvested, the tenant sells it first and then the money from the sale of the nutmeg is then distributed between the owner and the cultivator. If a loss occurs, it will be shared between the owner and the cultivator. The Fiqh Mu'amalah review of the profit-sharing system in the management of nutmeg in Meukek District has met the requirements and harmony in terms of distribution of results in accordance with the contract, implementation, and distribution results that do not harm one party and on the basis of mutual assistance in its implementation.
KEABSAHAN PENDAPATAN PADA TANAH MILIK NEGARA DALAM PERSPEKTIF MILK AL-DAULAH: (Studi Pemanfaatan Tanggul Irigasi Untuk Tempat Usaha di Mukim Tungkop) Nurdin, Ridwan; Wulandari, Anggie
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 1 (2020): Al-Mudharabah : Jurnal ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v2i1.813

Abstract

Pemanfaatan lahan milik negara oleh masyarakat Mukim Tungkup masih tetap berjalan, dikarenakan kurangnya perhatian elemen masyarakat mulai dari aparatur pemerintah hingga masyarakat biasa, padahal kekentuan ini telah diatur dalam hukum Islam yang dikenal Milk Al-Daulah. Tujuan penelitian ini untuk mengetahui legalitas pendapatan dari usaha yang dilakukan di tanah tanggul irigasi di mukim Tungkop, dampak penggunaan tanggul Irigasi sebagai tempat usaha pelaku bisnis di mukim Tungkop terhadap sistem pengairan dan perspektif milk al-daulahterhadap keabsahan penggunaan tanggul irigasi untuk tempat usaha di mukim Tungkop dalam perspektif milk al-daulah.Penelitian ini menggunakan pendekatan kualitatif dan jenis penelitiannya bersifat deskriptif. Pengumpulan data dilakukan dengan teknik observasi, wawancara, dokumentasi dan studi perpustakaan. Teknik analisa data bersifat deskriptif kualitatif. Berdasarkan hasil penelitian diketahui bahwa pendapatan masyarakat dari usaha yang dilakukan di tanah tanggul irigasi di Mukim Tungkoptergolong tidak legal karena status tanah lahan tanggul irigasi sendiriilegal dan tidaknya adanya surat izin usaha baik dari pemerintah gampong, kecamatan maupun kabupaten. Pemanfaatan lahan ini untuk kepentingan ekonomi pribadi, maka pendapatan tersebut tidak lagi bersifat legaldikarenakan status tanah irigasi tersebut bukan untuk kepentuingan ekonomi masyarakat tertentu melainkan masyarakat umum.Dampak penggunaan tanggul irigasi sebagai tempat usaha pelaku bisnis di Mukim Tungkop terhadap sistem pengairansecara positif kepada perekonomiannya masyarakat terutama tersediannya lapangan pekerjaan yang dapat menambah pendapatan masyarakat, sedangkan dampak negatif terhadap kelancaran usaha pertanian masyarakat setempat yang diakibatkan sebagian masyarakat tidak menjaga kebersihan dengan membuang sampah ke area saluran air pada irigasi.Perspektif Milk Al-Daulahterhadap keabsahan pendapatan pemanfaatan tanggul irigasi untuk tempat usaha diMukim Tungkop secara hukum tidak dapat dibenarkan karanamasyarakat yang memanfaatkan lahan irigasi tersebut bertentangan dengan konsep Milk al-Daulahitu sendiri dengan alasanpemanfaatan lahan irigasi tidak adanya izin baik tertulis maupun secara lisan, sehingga lahan tersebut dapat dikategorikan ilegal dan pendapatan yang diperoleh oleh masyarakat dapat dikatakan tidak sah berdasarkan syariat, dikarenakan masyarakat mukim Tungkop yang memanfaatkan lokasi tersebut tidak lagi memperhatikan kepentingan masyarakat lain
ANALISIS RATE MARGIN MURABAHAH PADA TRANSAKSI JUAL BELI RUMAH SUBSIDI KPR BTN SYARIAH DALAM PERSPEKTIF HUKUM ISLAM: Suatu Penelitian Pada BTN Syariah KC Banda Aceh Nurdin, Ridwan; Jariah, Sri Ainun
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 2 No. 1 (2021): Al-Mudharabah : Jurnal ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v3i1.1301

Abstract

Pembiayaan murabahah pada perhitungan marginnya menggunakan sistem perhitungan anuitas untuk memudahkan akumulasi cicilan nasabah. Perhitungan anuitas itu sendiri merupakan hasil adopsi dari perhitungan bunga kredit pada bank konvensional. Sehingga perhitungan anuitas ini sangat memaksimalkan keuntungan dengan penentuan yang mengedepankan analisis risiko, jangka waktu dan BI rate untuk menentukan rate marginnya. Rumusan masalah ini yaitu bagaimana tingkat margin yang disepakati oleh pihak bank dan nasabah dalam pembiayaan murabahah terhadap transaksi jual beli rumah subsidi KPR BTN syariah KC Banda Aceh, serta bagaimana perspektif hukum Islam terhadap transaksi jual beli rumah subsidi KPR BTN Syariah KC Banda Aceh dalam penerapan rate margin murabahah. Metode penelitian ini menggunakan deskriptif analisis dengan menggunakan data primer berupa wawancara langsung ke tempat instansi terkait (field research) menggunakan teknik wawancara dan observasi serta penelitian kepustakaan (library research). Dari hasil penelitian diperoleh bahwa rate margin murabahah pada transaksi rumah subsidi KPR BTN syariah bersifat fixed (tetap) dan KPR ini dihitung menggunakan kalkulasi anuitas. Pada pembiaayan murabahah ini dari praktik pendapatan margin pada perumahan KPR bersubsidi pihak bank hanya mendapatkan 5% keuntungan, 5% lagi menjadi tanggulangan pemerintah. Rate margin murabahah pada transaksi jual beli rumah subsidi KPR BTN syariah tidak ada unsur riba, karena padaa skema pembiayaan murabahah perurumah KPR ini sudah jelas berapa harga pokok rumah ditambah margin keuntungan bank serta disepakati antara kedua belah pihak serta margin dalam pembiayaan muirabahah ini tetap tidak naik turun seperti bank konvensional
Penyelesaian Wanprestasi Dalam Akad Istiṣnā‘ Pada Usaha Percetakan Di Kecamatan Syiah Kuala (Menurut Perspektif Ekonomi Islam) Nurdin, Ridwan; Irwansyah; Khaironnisa
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2022): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i1.2021

Abstract

PENYALURAN ZAKAT PERUSAHAAN PADA BANK UMUM SYARI’AH DI ACEH DAN RELEVANSINYA DENGAN QANUN NO. 3 TAHUN 2021 Nadia Ulfa Sh; Ridwan Nurdin; Yuhasnibar
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2022): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v3i2.3011

Abstract

The aim of this research is to find out the concept and mechanism for distributing corporate zakat to Sharia Commercial Banks, and to find out what the challenges and obstacles are in disbursing corporate zakat at Sharia Commercial Banks in Aceh. This study uses a normative sociological approach and a qualitative type of research using secondary data in the form of BUS annual reports for the period 2020 to 2021. The sample selection that researchers used in this research were 4 samples from Sharia Commercial Banks which published complete financial reports during the 2020-2021 period. Data collection techniques through interviews and documentation data. The research results obtained show that of the 4 Sharia Commercial Banks, only Bank Muamalat Indonesia pays company zakat and the other 3 banks only pay employee zakat. However, in 2020 these three banks did not pay zakat to Baitul Mal. One of the obstacles or causes of some Sharia Commercial Banks not issuing zakat to Baitul Mal was that at that time Covid-19 was rife, this resulted/had the impact of these banks experiencing a decrease in income or it could be said that their economy was paralyzed due to the impact of Covid-19. In the end, the zakat management organization's income fell. So the zakat that should have been issued by the company to Baitul Mal has been distributed to the handling of the coronavirus public health center for needs during the pandemic, the aim is so that the community can avoid the Covid outbreak that is currently hitting.
PENOLAKAN TERHADAP KEGIATAN PENGADAAN TANAH MENURUT FIKIH DAN UNDANG-UNDANG INDONESIA Artiyanto; Purwandari, Elce; Abbas, Syahrizal; Nurdin, Ridwan
TAHKIM Vol. 20 No. 2 (2024): TAHKIM
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/thk.v20i2.8050

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ABSTRAK Rejection to Land Procurement activities for public interest purposes are complex issues that require an in-depth understanding from both Islamic law (fiqh) and Indonesian legislative perspectives. This study aims to identify the reasons for land rights holders' Rejection to Land Procurement and analyze the approaches used in fiqh and national law to address these Rejection. A qualitative method with a literature study approach was used in this research. Data collected includes primary, secondary, and tertiary legal materials relevant to Land Procurement issues and the rights of landholders. The study results indicate that, in Islamic fiqh, there is no standardized rule governing Rejection to Land Procurement; however, the principle of maslahat (benefit) serves as a primary basis for considering public interest without neglecting landholders' rights. On the other hand, Indonesian Law No. 2 of 2012 on Land Procurement for Development for Public Interest provides detailed procedures for handling Rejection, including provisions on compensation and legal recourse. In conclusion, fiqh offers greater flexibility based on government policy to balance individual rights with public interest, whereas Indonesian law is more structured in its regulatory resolutions. The novelty of this study lies in its comparative analysis between the normative fiqh approach and the positive law approach in Indonesia. This study recommends the integration of the maslahat principle within national legal practices to achieve fair resolutions and enhance awareness regarding land rights and obligations in the Land Procurement process. Keyword: Rejection, land procurement, fiqh, law legal  
The Gayonese Culture of Marriage System: The Islamic Law Perspective Nurdin, Ridwan; Yusuf, Muhamad; Natasya, Syarifah Sharah
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 5, No 1 (2021): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v5i1.9257

Abstract

This research explores the Gayonese culture of marriage through an analytical view of the Islamic law. There has been a shift in marriage system in the Gayonese society, in which the Juelen and the Angkap, the two formerly known systems shifted to Kuso Kini. This is an empirical research using the law historical approach to allow the author restropectively explore the construction of law and its shift from time to time.  The data was gathered through an in-depth analysis of the literature and semi-structured interviews of the community leaders. The findings suggest that marriage systems are shifting and the Gayonese communities do not problematize this transformation. In fact, they are not in the position to force their children to adopt both the Juelen and the Angkap marriage system. This is so, since most communities in the present times prefer Kuso Kini marriage system to the other two. The Kuso Kini marriage system gives freedom for spouses to decide where they should stay, either with their parents or find their own living. This shift in marriage system is the result of cultural intermingled, in which some non-Gayonese migrated to the Gayonese Island and brought with them their own cultural values. The same is true to the Gayonese communities migrating to places beyond the Gayonese Island. It is therefore believed that a shift in marriage system is a must as the world today allow people across different cultural values to integrate with each other. The integration for sure gives changes to a certain cultural value. However, changes in cultural practices do not result in cultural-religious clashes. In fact, it is expected that the changes contribute to the family resilience and the marriage cultural system, the Kuso Kini, prevails.
An analysis of nazir, ulama and scholars' understanding of waqf istibdal in Aceh Tengah. Depi Yanti, Rika; Nurdin, Ridwan
International Journal of Kita Kreatif Vol 2, No 1 (2025): International Journals Kita Kreatif Vol.2 No.1 Februari 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i1.40998

Abstract

This research aims to analyze the understanding of nazir, ulama and scholars towards istibdal waqf in Aceh Tengah. This research uses a qualitative approach with descriptive method. Data collection was conducted by interviewing five samples/informants, namely three nazir, one ulama and one scholar in Aceh Tengah using accidental sampling technique. The understanding of nazir, ulama and scholars is measured using five indicators of understanding, namely understanding the definition, usefulness, use, role of waqf agencies, and implementation of waqf istibdal. based on the results of this study, the majority of nazir, ulama and scholars in Aceh Tengah understand about waqf istibdal and other general issues and the positive influence of government policies related to waqf istibdal by paying attention to several provisions in accordance with Islamic law.
Sharia-Based Family Financial Management Training in Aceh Jaya Regency Riyaldi, Muhammad Haris; Umuri, Khairil; Sartiyah, Sartiyah; Syahrizal, Teuku Muhammad; Sitepu, Novi Indriyani; Nurlina, Eka; Nurdin, Ridwan; Syahriyal, Syahriyal; ZT, Fitrah Afandi; Sari, Nurma
Jurnal Pengabdian Bakti Akademisi Vol 1, No 1 (2024): Jurnal Pengabdian Bakti Akademisi
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jpba.v1i1.37620

Abstract

This community service aims to provide Sharia-based family finance socialization for women in Aceh Jaya Regency, Aceh. This activity was motivated by the low literacy level regarding Sharia-based family financial management in Aceh Province, especially among women. So, the service activities aim to increase understanding of Sharia-based family financial management, especially among women in Aceh Jaya Regency, Aceh Province. Service activities include preparation for activities, implementation of activities, and evaluation of activities. Implementing activities are planned in coordination with the Dinas Pemberdayaan Masyarakat, Perempuan, dan Keluarga Berencana (DPMPKB) Aceh Jaya regarding availability, location, and activity participants. Activities were carried out involving women in Aceh Jaya Regency, Aceh. The Sharia-based family financial management material is delivered through discussions and questions and answers. Evaluation of the implementation of service activities is reflected in the presence and enthusiasm of participants in listening to the material presented. Community service activities provide positive results by increasing participants' understanding of Sharia-based family financial management.
Co-Authors A Sakir, A Sakir Abd Karim, Mohd Rahimie bin Abd.Rashid, Muhammad Hafiz Abdullah, Muslem Afrillia, Shintia Akbar, Hajarul Amri Amri, Khoirul Anggie Wulandari Arasid, Wildan Artiyanto Badri Hasan Budin, Dg Safrina Ag Bustami, Kasdim Dahlan, Haris Bin Darna, Andi Darwanis Darwanis Depi Yanti, Rika Eddy Gunawan, Eddy Edi Yuhermansyah Eka Nurlina Fachry Abda El Rahman Fadhil, Rahmat Fahmi, Zakiyul Faisal Faisal Faisal Fauzan Fauzi Saleh Fitrah Khairi Giang, Phan Bao Halim, Hendra Hardi Syah Hendra Haris Riyaldi, Muhammad Hasnita, Nevi Hidayat, Daffa Ignatius Riyadi Mardiyanto Ikram, Muhammad Nur In-In Hanidah Irfan Khairul Umam IRWANSYAH Iskandar, Zakyyah Jariah, Sri Ainun Kesuma, T. Meldi Khaironnisa Khairuddin Hasballah Kharisma, Siti Rahma Keumala Lada, Suddin Listanti , Maya M. Shabri Abd. Majid Mirza Rahmatillah Muhadi Khalidi Muhammad Adnan Muhammad Agiel Fahwan Gayo Muhammad Amin Suma Muhammad Haris Riyaldi, Muhammad Haris Muhammad Nur Ikram Muhammad Ridwansyah Mulyadi Adam, Mulyadi Murni, Khalidah MURSID, SRI PARYANTO Muslim Zainuddin Muslina Muslina Muslina, Muslina Musrinah Musrinah, Musrinah Mutiara Fahmi Nadia Ulfa Sh Nasrun, Mahdalena Natasya, Syarifah Sharah Nisva, Raisa Ullya Nizam, Ahmad novindra . Nurdin Seniara Nurhayati Nurhayati Nurlina, Eka Nurma Sari, Nurma Othman, Razali Bin Panggabean, Ovie Esrani PUDIN, APIP Purwandari, Elce Rahardjo, Agoeng Harjatmo Raharjo, Agoeng Harjatmo Rahmadhiani, Ighfirlana Alief Rahmawati, Mujiyani Rhoni Ismunandar Ridwansyah, Muhammad Rita Purnamasari Rivani, Rivani Safriadi Safriadi, Safriadi Sari, Meutia Dwi Novita Sartiyah Sartiyah, Sartiyah Silvia, Vivi Sinaga, Fahri Zuan Ariga Siregar, M. Ridha Sitepu, Novi Indriyani Siti Helmyati Sri Utami Sri Widarti, Sri Srinita, Srinita Sufrizal, Sufrizal Syahriyal, Syahriyal Syahrizal Abbas Syahrizal, Teuku Muhammad Talbani Farlian Taufiq Carnegie Dawood Tiofanny, Claudie Udjianto, Tjatur Umuri, Khairil Wulandari, Anggie Yuhasnibar ZT, Fitrah Afandi