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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).
Penyuluhan Optimalisasi Media Sosial untuk Pemasaran Produk UMKM Halal Food di Karanganyar 2023 Safitri, Yuni; Effendi, Arif; Tarohman, Rifki Faradi
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/berdaya.v6i3.937

Abstract

The focus of empowerment in community service activities is oriented towards optimizing social media applications in supporting marketing improvement. The focus of empowerment is carried out with the aim of helping stabilize the economic condition of Ploso Village after the Covid-19 pandemic. The following is data on the number of MSMEs in Ploso Village, consisting of 8 snack MSMEs, 3 convection MSMEs, and 1 artisan MSME. Judging from field observations that the condition of assisted subjects is still running their business in a simple and traditional way. Some products produced from the MSME and halal food industries are marketed without giving a brand. Community service activities were attended by approximately 73 participants in each session. In the activity, an explanation was given about the improvement of digital marketing concepts and the use of social media applications as an increase in product marketing. The results of the assistance were carried out optimally. There is also an increase, namely some business actors are starting to learn further to create promotional content through their social media.
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
Strategi Pengembangan SDM dalam Meningkatkan Kinerja Karyawan Baitul Mal Forum Komunikasi Aktivis Masjid Kota Surakarta Riyanto, Mumin; Effendi, Arif; Widoyo, Agus Fatuh; Fatchurrohman, Muhammad
Pawarta: Journal of Communication and Da'wah Vol. 1 No. 1 (2023): February
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/pawarta.105

Abstract

This research wish to know the strategy for developing human resources at the Baitul Mal Forum Komunikasi Aktivis Masjid (FKAM); wish to know the implications of human resource development strategies on improving employee performance Baitul Mal FKAM. This research used qualitative descriptive to reveal facts, phenomena, and circumstances that occurred during the research and present it as it is. Subject in this study are employees at Baitul Mal FKAM in Surakarta 2022. Primary data sources are obtained from the Director, Head of HRD, Head of Program Division, Head of Fundraising Division, Head of Finance Division and Head of Marketing Communications Division. Meanwhile, secondary data sources were obtained through literature study, namely books, documents and archives that are relevant to the research topic. The results showed that HRD's strategy carried out by Baitul Mal FKAM includes several forms, That are recruitment, training that classified into internal and external training, and the strengthening motivation work. The performance of Baitul Mal employees is quite good, but there are still obstacles, so that the knowledge after participating in the training has not been fully applied to the maximum.
Upaya Penguatan Kesadaran Remaja: Sosialisasi Pencegahan Pernikahan Dini di Desa Beji, Andong, Boyolali Sugiyat, Sugiyat; Azizah, Annafi Nurul; Effendi, Arif; Oktatianti, Tina; Ni’madina, Tien Azhari; Shiddiqi, Muflikhul Awwal Ash
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol 7 No 3 (2025)
Publisher : LPMP Imperium

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Abstract

This community service activity provides socialization on the prevention of early marriage to teenagers in Dukuh Beji, Beji Village, Andong District, Boyolali Regency, which was held on Saturday, February 1, 2025.The purpose of this activity is to raise teenagers' awareness of the negative impacts of early marriage and the importance of better future planning.The implementation method includes three stages: preparation with coordination with the village government and community leaders, execution with the delivery of material by speakers, interactive discussions, and the screening of educational videos, as well as evaluation.The indicators of success for this activity include active participation of participants in discussions, their understanding of the material measured through Q&A sessions, and enthusiasm in providing feedback.The results of the activity show that participants gained new understanding of the risks of early marriage from health, education, and social aspects.Thus, this activity successfully encouraged teenagers to think more maturely when making decisions related to their future.