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All Journal Enrichment : Journal of Management Akademika
Shelvyna Rikantasari
IAI Al-Hikmah Tuban
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Swot Analysis Of Implementation Of Mutlaqoh Muḍarabah Contract On Pension Saving Products At Indonesian Sharia Bank Kc Bojonegoro Muhammad Muslih; Agus Wahyu Irawan; Kholishudin; Shelvyna Rikantasari
Enrichment : Journal of Management Vol. 12 No. 4 (2022): October: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.934 KB)

Abstract

This study aims to explain the implementation of muḍarabah mutlaqoh contracts in retirement savings at Bank Syariah Indonesia KCP Bojonegoro. This study uses a qualitative research type using SWOT analysis. By using the method of collecting data through interviews, observation and documentation of the subject. Basically, the activities of every Islamic bank are not much different from conventional banks. Islamic banks have an intermediary function, namely bridging the interests of people who need funds with those who have excess funds. In addition, Islamic banks also have a mandate function so that they are obliged to be responsible and maintain the security of the funds stored. In accordance with sharia principles in the National Sharia Council Fatwa No. 02/DSN-MUI.IV/2000 concerning savings which are divided into two types, namely savings that use the wadi'ah principle and the principle of muḍarabah mutlaqoh. The results of this study indicate that this retirement savings uses a muḍarabah mutlaqoh contract in which this contract uses the principle of profit sharing between shahibul mall (customers) and muḍarib (managers) with the distribution using the profit sharing method or the net revenue sharing method between both parties based on the agreed ratio. The implementation of retirement savings includes: requirements to become a prospective customer, opening savings to closing savings, profit sharing for retirement savings and product promotions. The obstacles that exist in retirement savings are: lack of public trust and must have two savings.
Model Kewirausahaan Sosial Di Pondok Pesantren Miftahul Hikmah Sukorejo Parengan Tuban Dian Rosita Hariyati; Agus Wahyu Irawan; Shelvyna Rikantasari
Akademika Vol 16, No 2 (2022): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v16i2.1097

Abstract

Entrepreneurship model whose business is partly for social and partly for business development. The problem raised is how the social entrepreneurship model at Miftahul Hikmah Islamic Boarding School Sukorejo Parengan Tuban, the research method used is a qualitative research method, namely by describing the results of the study. The results of the research on the social entrepreneurship model at Miftahul Hikmah Islamic Boarding School cover three points, namely, the entrepreneurship education model in the form of training and field practice. Ma'arif Mart's cooperative social entrepreneurship model, namely, students as employees, Part of the results of kopontren's business for pesantren, as well as the HCG (Hikma Collection Group) social entrepreneurship model, namely students as employees and some of the proceeds are used for pesantren. The social entrepreneurship model is in accordance with the four elements of social entrepreneurship, namely, the existence of social values, economic activities, innovation and civil society.
Co-Authors Agus Wahyu Irawan Dian Rosita Hariyati Kholishudin Muhammad Muslih