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INDUSTRI PERBANKAN SYARIAH DI INDONESIA DALAM PERSPEKTIF UNDANG-UNDANG NOMOR 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH Effendi, Arif
Wahana Akademika: Jurnal Studi Islam dan Sosial Vol 1, No 2 (2014): Wahana Akademika
Publisher : Kopertais Wilayah X Jawa Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/wa.v1i2.809

Abstract

AbstractIslamic Banking is banking or banking activity that is consistent with the principles of Islamic law (Sharia) which prohibit specific interest or fee known as riba or usury for loans of money. Islamic Banking grew and developed in Indonesia with the establishment of Indonesia Muamalat Bank. In Indonesia, the Islamic Banking system is regulated by the enactment of the Law Number 21 of 2008 Concerning Sharia Banking which regulates Islamic Banking more comprehensive than the Law Number 10 of 1998 Concerning Banking which regulates conventional banking or banking generally.The fact that Indonesia has the world’s largest Muslim population creates a huge market for sharia banking, and Indonesia Muamalat Bank has become the pioneer that made a breakthrough in the existing concept of banking. That is why  to operate  Islamic Bank has a good prospect in Indonesia. Islamic Bank operates no interest, but it is operated by using the concept of risk sharing or profit loss sharing.There are two objectives of the study we want to know, that are :First, wish to know the description of Islamic Banking in Indonesia according to the Law Number 21 of 2008 Concerning Sharia Banking and the growth of Islamic Banking from year to year especially after the enactment of the Law Number 21 of 2008 Concerning Sharia Banking.Second, wish to know how the opportunity and the prospect of Islamic Banking in   Indonesia since it is regulated by the Law Number 21 of 2008 Concerning Sharia BankingKeywords: Islamic banking, Sharia principles, Banking industry, Prospect
GADAI SYARIAH DALAM PERSPEKTIF EKONOMI ISLAM Effendi, Arif
Wahana Akademika: Jurnal Studi Islam dan Sosial Vol 15, No 1 (2013): Wahana Akademika
Publisher : Kopertais Wilayah X Jawa Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/wa.v15i1.528

Abstract

AbsractThe word mortgage is a French Law term meaning "death contract", meaning that the pledge ends or dies when either the obligation is fulfilled or the property is taken through foreclosure. A mortgage is a way to use ones real property, like motorcycle, car or gold etc. as a guarantee for a loan to get money. In Islamic economic perspective it is called Rahn.In a rahn, there is a debtor and a creditor. The debtor or rahin is the owner of the property, while the creditor or murtahin is the owner of the loan. When the rahn transaction is made, the rahn gets the money with the loan, and promises to pay the loan. The murtahin will receive money back with management fee for entrustment cost, concervancy cost, and custody cost as well as appraisal cost. If the rahin does not pay the loan, the murtahin can take and sell the mortgaged property through foreclosure.This paper will see Rahn in Islamic fiqh through Al Qur’an, As-Sunnah, Ijma’, and positive law of Indonesia and take an example at PT Pegadaian (Persero).Keywords: Rahn, The debtor (rahin), The creditor (murtahin)
INDUSTRI PERBANKAN SYARIAH DI INDONESIA DALAM PERSPEKTIF UNDANG-UNDANG NOMOR 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH Effendi, Arif
Wahana Akademika: Jurnal Studi Islam dan Sosial Vol 1, No 2 (2014): Wahana Akademika
Publisher : Kopertais Wilayah X Jawa Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/wa.v1i2.809

Abstract

AbstractIslamic Banking is banking or banking activity that is consistent with the principles of Islamic law (Sharia) which prohibit specific interest or fee known as riba or usury for loans of money. Islamic Banking grew and developed in Indonesia with the establishment of Indonesia Muamalat Bank. In Indonesia, the Islamic Banking system is regulated by the enactment of the Law Number 21 of 2008 Concerning Sharia Banking which regulates Islamic Banking more comprehensive than the Law Number 10 of 1998 Concerning Banking which regulates conventional banking or banking generally.The fact that Indonesia has the world’s largest Muslim population creates a huge market for sharia banking, and Indonesia Muamalat Bank has become the pioneer that made a breakthrough in the existing concept of banking. That is why  to operate  Islamic Bank has a good prospect in Indonesia. Islamic Bank operates no interest, but it is operated by using the concept of risk sharing or profit loss sharing.There are two objectives of the study we want to know, that are :First, wish to know the description of Islamic Banking in Indonesia according to the Law Number 21 of 2008 Concerning Sharia Banking and the growth of Islamic Banking from year to year especially after the enactment of the Law Number 21 of 2008 Concerning Sharia Banking.Second, wish to know how the opportunity and the prospect of Islamic Banking in   Indonesia since it is regulated by the Law Number 21 of 2008 Concerning Sharia BankingKeywords: Islamic banking, Sharia principles, Banking industry, Prospect
GADAI SYARIAH DALAM PERSPEKTIF EKONOMI ISLAM Effendi, Arif
Wahana Akademika: Jurnal Studi Islam dan Sosial Vol 15, No 1 (2013): Wahana Akademika
Publisher : Kopertais Wilayah X Jawa Tengah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/wa.v15i1.528

Abstract

AbsractThe word mortgage is a French Law term meaning "death contract", meaning that the pledge ends or dies when either the obligation is fulfilled or the property is taken through foreclosure. A mortgage is a way to use one's real property, like motorcycle, car or gold etc. as a guarantee for a loan to get money. In Islamic economic perspective it is called Rahn.In a rahn, there is a debtor and a creditor. The debtor or rahin is the owner of the property, while the creditor or murtahin is the owner of the loan. When the rahn transaction is made, the rahn gets the money with the loan, and promises to pay the loan. The murtahin will receive money back with management fee for entrustment cost, concervancy cost, and custody cost as well as appraisal cost. If the rahin does not pay the loan, the murtahin can take and sell the mortgaged property through foreclosure.This paper will see Rahn in Islamic fiqh through Al Qur’an, As-Sunnah, Ijma’, and positive law of Indonesia and take an example at PT Pegadaian (Persero).Keywords: Rahn, The debtor (rahin), The creditor (murtahin)
Peran Guru Pendidikan Agama Islam Dalam Peningkatan Kecerdasan Emosional dan Spiritual Pada Siswa di Sekolah Menengah Atas Majlis Tafsir Al-Quran Surakarta Tahun Ajaran 2022/2023 Alya Shofia, Aina; Subando, Joko; Effendi, Arif
Rayah Al-Islam Vol 7 No 3 (2023): Rayah Al Islam Desember 2023
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Sekolah Tinggi Ilmu Bahasa Arab Ar Raayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/rais.v7i3.797

Abstract

Tujuan penelitian ini adalah untuk mengetahui: (1) Bagaimana kecerdasan emosional pada siswa Sekolah Menengah Atas MTA Surakarta Tahun Ajaran 2022/2023. (2) Bagaimana kecerdasan spiritual pada siswa Sekolah Menengah Atas MTA Surakarta Tahun Ajaran 2022/202. (3) Bagaimana peran guru PAI dalam meningkatkan kecerdasan emosional dan spiritual pada siswa Sekolah Menengah Atas MTA Surakarta Tahun Ajaran 2022/2023. Penelitian ini merupakan penelitian kualitatif dengan pendekatan studi kasus. Sumber data yang digunakan dalam penelitian adalah informan dan tempat. Dengan teknik pengumpulan data wawancara, observasi dan dokumentasi. Serta uji keabsahan data berupa triangulasi teknik dan sumber. Kemudian dengan teknik analisis Miles dan Huberman yang mencakup reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian: (1) Kecerdasan emosional dengan indikator kesadaran diri, kemampuan mengatur diri, motivasi, empati dan keterampilan sosial pada siswa/siswi SMA MTA Surakarta dikatakan baik atau bagus (2) Kecerdasan spiritual dengan indikator sosial keagamaan, relasi sosial-keagamaan, dan etika sosial pada siswa/siswi SMA MTA Surakarta dikatakan baik atau bagus. (3) upaya meningkatkan kecerdasan emosional dan spiritual siswa/siswi SMA MTA Surakarta adalah memberikan pengetahuan tentang adab dan sopan santun, memberikan contoh dan melakukan pembiasaan kepada siswa/siswi. Pembiasaan tersebut dapat maskimal karena siswa/siswi tinggal di asrama. The purpose of this study was to find out: (1) How is the emotional intelligence of students at the MTA Surakarta Senior High School for the 2022/2023 Academic Year. (2) How is the spiritual intelligence of the students of the Surakarta MTA Senior High School for the 2022/202 Academic Year. (3) What is the role of the PAI teacher in increasing emotional and spiritual intelligence in MTA Surakarta High School students for the 2022/2023 Academic Year. This research is a qualitative research with a case study approach. Sources of data used in research are informants and places. With data collection techniques interviews, observation and documentation. As well as testing the validity of the data in the form of triangulation of techniques and sources. Then with Miles and Huberman's analytical techniques which include data reduction, data presentation, and drawing conclusions. The results of the study: (1) Emotional intelligence with indicators of self-awareness, self-regulation ability, motivation, empathy and social skills in SMA MTA Surakarta students is said to be good or good (2) Spiritual intelligence with indicators of socio-religious, socio-religious relations, and social ethics in SMA MTA Surakarta students are said to be good or good. (3) efforts to increase the emotional and spiritual intelligence of SMA MTA Surakarta students are to provide knowledge about manners and manners, set an example and practice habituation to students. This habituation can be maximized because students live in dormitories.
PENERAPAN METODE TAHSIN DAN TAJWID DALAM PEMBELAJARAN AL-QUR’AN SISWA KELAS 7 TAHFIDZUL QUR’AN PONDOK PESANTREN AL-IKHLASH BEKONANG 2023 Abdullah Nashir, Jundi; Subando, Joko; Effendi, Arif
QATHRUNÂ Vol. 10 No. 2 (2023): Desember 2023
Publisher : Program Studi Pendidikan Agama Islam Program Pascasarjana Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to describe the application of the tahsin and tajwid methods in learning the Qur'an, as well as the supporting and inhibiting factors for the application of the tahsin and tajwid methods in learning the Qur'an. This study uses a qualitative method. Data collection methods used were observation, observation guidelines, interviews, interview guidelines and documentation. The data analysis technique is carried out through four stages, namely data collection, data reduction, data presentation, and drawing conclusions. The results of the research show that the application of the method applied at the Tahfidzul Qur'an Al-Ikhlash Bekonang Islamic Boarding School in learning the Qur'an is to apply two learning models, namely learning in the classroom and outside the classroom. Supporting factors for the tahsin and tajwid methods in class 7 Al-Qur'an learning at the Al-Ikhlash Bekonang Sukoharjo Islamic Boarding School in 2023 are divided into 2, supporting factors in the classroom, namely: a planned system, teacher quality, as well as motivation and appreciation, as well as supporting factors in outside the classroom, namely: choosing the right method, the atmosphere of the Islamic boarding school environment, and the teacher's attention. The inhibiting factors of the tahsin and tajwid methods in learning the Qur'an for grade 7 students at the Al-Ikhlash Bekonang Sukoharjo Islamic Boarding School in 2023 are divided into 2 inhibiting factors in the classroom, namely: not serious in learning and not good friendship, and inhibiting factors outside class, namely: lack of interest in learning and poor mental state (bad mood).
Dakwah Digital: Publikasi Kegiatan Masjid Memanfaatkan Jejaring Sosial Alhasbi, Faruq; Faraba, Karina Sofiananda Armaza; Effendi, Arif; Utomo, Bagas Imam; Bachtiar, Farchan; Azizah, Ummi Nur
Ngarsa: Journal of Dedication Based on Local Wisdom Vol. 4 No. 2 (2024): Ngarsa: Journal of Dedication Based on Local Wisdom
Publisher : LP2M UIN Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ngarsa.v4i2.517

Abstract

With its various features, social media facilitates organizations, including mosques, in interacting with the community. However, due to insufficient information dissemination, many residents around Al-Hikmah Mosque, Margoasri Karangmalang Sragen, remain unaware of its activities. Despite the mosque administrators being active, lacking information has resulted in low community participation, rendering the activities less than optimal. The digital da'wah training aims to provide an understanding of creating da'wah content via social networks, expanding the reach of religious institutions, and facilitating the publication and documentation of activities at Al-Hikmah Mosque. This community service program was conducted through a seminar followed by mentoring sessions. It fully employed the design thinking method to address the partners' issues by optimizing existing resources. Over four months, the service team engaged with the partners to understand their problems, conduct field observations, narrow down the issues, formulate solutions, and develop and implement the proposed ideas presented during the training. The training on publishing mosque activities using social networks brought significant changes to the community service partner. The partner successfully created an Instagram account to disseminate mosque-related information, expand the reach of da'wah, and document mosque activities. However, further training is needed to ensure consistency and enhance technical skills in managing social networks to support the mosque's da'wah efforts. Keywords: Digital da'wah, Da'wah content, Social networks, Mosque activities Abstrak: Media sosial dengan berbagai fiturnya mempermudah organisasi, termasuk masjid, berinteraksi dengan masyarakat. Namun, banyak warga sekitar Masjid Al-Hikmah Margoasri Karangmalang Sragen tidak mengetahui kegiatan masjid akibat kurangnya penyebaran informasi. Meski pengurus masjid aktif, keterbatasan informasi menyebabkan partisipasi masyarakat rendah, sehingga kegiatan belum optimal. Pelatihan dakwah digital bertujuan untuk memberikan pemahaman tentang pembuatan konten dakwah melalui jejaring sosial, perluasan jangkauan dakwah institusi keagamaan, serta memfasilitasi media publikasi informasi dan dokumentasi kegiatan di Masjid Al-Hikmah. Pengabdian ini dilaksa-nakan melalui seminar kemudian pendampingan, di mana secara utuh memakai metode design thinking untuk memecahkan masalah mitra melalui optimalisasi sumber daya yang ada. Selama empat bulan, Tim Pengabdian berkomunikasi dengan mitra untuk memahami permasalahan, observasi lapangan, mengerucutkan masalah, menyusun ide solusi masalah, pengembangan, dan penerapan ide-ide yang dipaparkan dalam materi pelatihan. Pelatihan publikasi kegiatan masjid dengan memanfaatkan jejaring sosial memberikan perubahan mitra PkM. Mitra akhirnya mempunyai akun Instagram untuk mempublikasikan informasi masjid, memperluas jangkauan dakwah, dan media dokumentasi aktivitas masjid. Meskipun begitu, masih diperlukan pelatihan lanjut terkait konsistensi dan kemampuan teknis dalam pengelolaan jejaring sosial yang bertendensi pada upaya dakwah masjid. Kata kunci: Dakwah digital, Kdakwah, Jejaring sosial, Kegiatan masjid
PENGARUH KUALITAS PELAYANAN TOUR LEADER TERHADAP KEPUASAN JAMAAH UMROH DI PT RAMAH FISTA KLATEN TAHUN 2024 Syafira, Tiara; Effendi, Arif
Jurnal Riset Mahasiswa Dakwah dan Komunikasi Vol 7, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jrmdk.v7i2.35845

Abstract

Haji merupakan rukun Islam kelima yang mewajibkan umat Muslim yang mampu secara fisik, finansial, dan waktu untuk melaksanakan ibadah ke Baitullah. Seiring meningkatnya minat masyarakat terhadap ibadah umroh, kualitas pelayanan penyelenggara menjadi faktor penting dalam menentukan tingkat kepuasan jamaah. Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan tour leader terhadap kepuasan jamaah umroh pada Perseroan Terbatas Ramah Fista Internasional Klaten Tahun 2024. Penelitian ini menggunakan pendekatan kuantitatif dengan metode korelasional. Sampel berjumlah 65 orang jamaah, yang diambil melalui teknik total sampling. Data dikumpulkan melalui observasi, wawancara, dan penyebaran kuesioner, serta dianalisis menggunakan uji validitas, reliabilitas, normalitas, dan korelasi Pearson Product Moment dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa kualitas pelayanan tour leader berada pada kategori cukup, begitu pula dengan tingkat kepuasan jamaah. Uji hipotesis memperoleh nilai korelasi (r) sebesar 0,648, yang termasuk kategori kuat dan melebihi nilai rtabel 0,349. Artinya, terdapat pengaruh positif dan signifikan antara kualitas pelayanan tour leader terhadap tingkat kepuasan jamaah umroh. Temuan ini menegaskan pentingnya profesionalisme dan kualitas pelayanan dalam meningkatkan kenyamanan serta kepuasan jamaah dalam menjalankan ibadah umroh.
PENERAPAN STRATEGI PEMASARAN 5P UNTUK MENINGKATKAN JUMLAH JAMAAH UMRAH DI PT SAHABAT WISATA IMAN SUKOHARJO TAHUN 2024 Azzahro, Syifa; Effendi, Arif; Sulistyowati, Sulistyowati
Jurnal Riset Mahasiswa Dakwah dan Komunikasi Vol 7, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jrmdk.v7i1.35745

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan strategi pemasaran marketing mix 5P—yang mencakup produk, harga, tempat, promosi, dan sumber daya manusia (people)—dalam upaya meningkatkan jumlah jamaah umrah di PT. Sahabat Wisata Iman Sukoharjo pada tahun 2024. Penelitian menggunakan pendekatan kualitatif dengan metode deskriptif. Data diperoleh melalui wawancara dengan 10 staf pemasaran dan 2 staf administrasi, serta survei terhadap 25 jamaah umrah yang telah menggunakan layanan perusahaan. Hasil penelitian menunjukkan bahwa strategi pemasaran 5P mampu memberikan dampak positif terhadap peningkatan jumlah jamaah, loyalitas pelanggan, dan keputusan pembelian. Produk yang ditawarkan terdiri dari paket promo, reguler, dan VIP yang disesuaikan dengan kebutuhan masyarakat. Strategi harga yang kompetitif membuat layanan lebih terjangkau, sementara lokasi yang strategis memudahkan akses. Promosi dilakukan secara aktif melalui media sosial (Facebook, Instagram, YouTube), media cetak (brosur), serta dukungan dari tokoh agama. Selain itu, kerja sama dengan agen travel dan pelayanan yang ramah serta profesional dari staf menjadi faktor pendukung utama dalam menarik minat calon jamaah. Strategi ini dinilai efektif dalam menjawab kebutuhan pasar dan meningkatkan kepuasan pelanggan.
Pengaruh Konten Materi Dakwah Terhadap Tingkat Ketertarikan Viewers Pada Podcast Log In Channel YouTube Deddy Corbuzier Rokhimah, Annisa Nur; Effendi, Arif
Hikmah Vol 18, No 2 (2024): JURNAL ILMU DAKWAH DAN KOMUNIKASI ISLAM
Publisher : IAIN Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/hik.v18i2.13278

Abstract

This research wish to know the content of Dakwah material on the Podcast Log In to Deddy Corbuzier's YouTube channel ; the level of interest of viewers in Podcast Log In to Deddy Corbuzier's YouTube channel ; the influence of Dakwah material content on the level of interest of viewers in Podcast Log In to Deddy Corbuzier's YouTube Channel. This research is a type of correlational quantitative research that correlates two variables. The subject of this research is the Interest of Viewers in the Log In Podcast on Deddy Corbuzier's YouTube Channel. Specifically, the viewers of the Log In podcast on Deddy Corbuzier's YouTube channel, with the entire population of viewers of the Log In podcast on Deddy Corbuzier's YouTube channel, with 80 respondents as the sample. The data analysis technique to test the hypothesis in this study is to use the Product Moment correlation analysis technique. The results showed that the content of Dakwah material on the Podcast Log In to Deddy Corbuzier's YouTube channel was in sufficient catagory; how the level of interest of viewers in Podcast Log In to Deddy Corbuzier's YouTube was in sufficient category; the results of correlation  are r xy = 0,603 or the category was into the strong correlation category.