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All Journal Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Ekonomi, Bisnis dan Manajemen
AGOES KAMAROELLAH
Institut Agama Islam Negeri Madura
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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KETERKAITAN ANTARA MODAL SOSIAL DENGAN EFISIENSI KELEMBAGAAN PADA KOPERASI PONDOK PESANTREN SIDOGIRI, PASURUAN FARAHDILLA KUTSIYAH; AGOES KAMAROELLAH; UMMU KALSUM
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i1.213

Abstract

Sidogiri Islamic Boarding School is one of the oldest Islamic boarding schools and is capable of being independent in its operational activities by having very rich resources and this institution is also an example of success in developing Islamic economics. The definition of "institution" in this article is how the rules are implemented in the pesantren's economic activities that are deeply tied to the social capital that they have. This study uses a case study qualitative approach. Data collection through observation, documentation and in-depth interviews. The results of the study show that social capital that is embedded in the pesantren environment can reduce transaction costs so that the institutional of Sidogiri Islamic Boarding School cooperative is more efficient. Network can reduce the cost of information, negotiation, coordination and supervision. Norms can decrease the occurrence of irregularities and the existence of trust. Shared vision can facilitate coordination and increase motivation. It is recommended that the application of social capital in the management of the Sidogiri kopontren be able to be transferred some other pesantren that are still lagging behind in economic development so that they are able to be independent and can help the economic problems of the community.
Implementation of E-Money as Student Payment at Al-Amien Islamic Boarding School from an Islamic Economic Perspective Syaifullah Syaifullah; Rudy Haryanto; Agoes Kamaroellah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 5, No 1 (2024): Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v5i1.1800

Abstract

Humans, as social beings, are required to constantly innovate in economic activities, especially in the use of digital technology, particularly during the COVID-19 pandemic. Currently, cashless payment systems or e-money have become a solution to the demands of the times. This includes SMA Tahfidh Al-Qur’an PP. Al-Amien Prenduan, which also implements e-money as a payment tool in transactions within the PP. Al-Amien Prenduan environment. This is what prompted the researcher to delve deeper into the implementation of e-money as a student payment tool from an Islamic perspective. The research problems are: how is the implementation of e-money as a student payment tool from an Islamic perspective, and what are its impacts on students, guardians, and the boarding school? This research uses a qualitative approach at SMA Tahfidh Al-Qur'an PP. Al-Amien Prenduan. Data collection was carried out through direct field observations, semi-structured interviews, and documentation methods with all related sources. Data analysis was performed using the Miles, Huberman, and Saldana theoretical model. The results show that the implementation of e-money as a student payment tool runs as expected by all parties and has a positive impact on everyone at PP. Al-Amien Prenduan. For example, students do not lose money, it prevents corruption, and it facilitates guardians when sending money, and students no longer have to wait in long lines when shopping at the boarding school-owned business units. From an Islamic perspective, the implementation of e-money as a student payment tool is allowed according to the sharia contracts that occur when transacting based on evidence from the Qur'an and Hadith, except if there is maysir (gambling), riba (usury), gharar (uncertainty), and haram (prohibited) elements in the e-money implementation. This research provides a perspective on the use of e-money as a payment tool in boarding schools or other educational institutions.
Co-Authors Farahdilla Kutsiyah Rudy Haryanto Syaifullah Syaifullah Ummu Kalsum