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All Journal ETIKONOMI Jurnal Manajemen Teknologi Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Ekonomi dan Bisnis Islam Al Tijarah SINERGI: Jurnal Ilmiah Ilmu Manajemen Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Ihtifaz: Journal of Islamic Economics, Finance, and Banking Cakrawala: Jurnal Litbang Kebijakan Ekonomi dan Bisnis International Journal of Islamic Business and Economics (IJIBEC) ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam Indonesian Journal of Halal Research Jurnal Riset Akuntansi Kontemporer Oeconomicus Journal of Economics Journal of Islamic Law El-Qist : Journal of Islamic Economics and Business (JIEB) Airlangga Journal of Innovation Management Jurnal Manajemen dan Inovasi (MANOVA) Etihad: Journal of Islamic Banking and Finance Journal of Economics Development Issues Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Nomicpedia: Journal of Economics and Business Innovation Journal of Islamic Economics Lariba IIJSE Journal of Finance and Islamic Banking Madania: Jurnal Kajian Keislaman Jurnal Manajemen Pendidikan Islam

Ana Toni Roby Candra Yudha

Universitas Islam Negeri Sunan Ampel Surabaya

Author-ID : 588021

Religion Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Social Sciences Other

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Profesionalisme Dosen Luar Biasa (DLB) Pada Era Milenial Di UIN Sunan Ampel Surabaya: Sebuah Studi Analisis Konten Ana Toni Roby Candra Yudha
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 3 No. 1 (2020): Januari
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v3i1.247

Dosen luar biasa (DLB) adalah dosen yang ritme kerjanya selalu menyesuaikan jam mengajar. Kinerja DLB tidak kalah penting kontributif dan efektif dengan dosen tetap lainnya dalam melakukan pekerjaannya, tentunya pekerjaan yang berkenaan dengan Tri Dharma Perguruan Tinggi. Apabila kinerja dalam komponen Tri Dharma Perguruan Tinggi dapat konsisten dan produktif, maka hal tersebut akan nampak pada sikap profesionalismenya. Tujuan studi ini adalah untuk mengetahui profesionalisme DLB dengan menyelidiki unsur pemenuhan unsur-unsur profesionalisme DLB yang mengabdi di UIN Sunan Ampel Surabaya. Pendekatan penelitian menggunakan pendekatan kualitatif, dan analisis konten. Sumber dan jenis data menggunakan data primer, sedangkan informan adalah DLB itu sendiri dan metode triangulasi sebagai metode yang perlu dilakukan selain wawancara mendalam guna mendapatkan data yang obyektif, akurat dan transparan. Hasil penelitian ini adalah profesionalisme dapat dilihat setidaknya dari lima kategori, yaitu kepemimpinan institusi, kompensasi finansial dan non finansial, komitmen pada institusi, etos kerja dan hasil kerja. Berdasarkan hasil wawancara dengan informan diperoleh hasil bahwa DLB memiliki penilaian cukup baik terhadap seluruh kategori yang ditanyakan, namun tidak sedikit pula mereka masih berharap atas perbaikan di sejumlah elemen sistem pengajaran seperti sarana, metode evaluasi belajar, pembayaran hak dan apresiasi atas kinerja DLB . Sedangkan saran yang bersesuaian dengan objek hasil studi tersebut adalah lebih banyak diperuntukkan bagi institusi, mengingat melihat kerja dan etos kerja DLB sudah maksimal seperti datang mengajar ontime, memberikan bahan ajar sesuai dokumen kurikulum, dan hal relevan lainnya. Saran untuk institusi lebih mengerucut pada dua hal yaitu perbaiki sarana pengajaran, serta tepatkan waktu saat pemberian hak pada DLB.

PEER-TO-PEER LENDING SYSTEM IN HIFDUN MAAL PERSPECTIVE: EVIDENCE FROM THE FINTECH COMPANY OF INVESTREE Anisa Fadilah Zustika; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 8 (2020): Agustus-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20208pp1584-1597

The technology-based financial management system or so-called financial technology (fintech) has become a trend in the millennial era, both with sharia or conventional labels. This study aims to determine and examine the operational mechanisms and implications of the application of the peer to peer lending system, which is used as a transaction method both in funding and financing. The approach used is qualitative, an approach that prioritizes the subjectivity aspects of researchers and informants. The informants of this study are experts from several stakeholders such as the MUI of East Java, Masyarakat Ekonomi Syariah (MES) branch of Semarang, and 2 sharia fintech business owners and practitioners in East Java. The study results obtained are fintech based on a peer to peer lending system (P2PL) in the perspective of hifdzu mal (Investree company case study) is an online loan transaction that is consistent with the theory of hifdzu maal. The suitability of the transaction with hifdul maal, because each agreement is clear and in accordance with sharia provisions such as fair, mutually committed, and protect ownership. Suggestions from this study are the need for the addition of sharia supervisory board (DPS) for fintech, collaboration with universities in business development so that literacy and inclusion of fintech can be more extensive and developed.Keywords: fintech, peer to peer lending (P2PL), protection of wealth

THE ALLOCATION OF TABARRU’ FUND UNDERWRITING SURPLUS OF IPLAN SHARIA PRODUCT IN PT. ASURANSI JIWA GENERALI INDONESIA Syarifudin Syarifudin; Nurlailah Nurlailah; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 9 (2020): September-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20209pp1804-1817

ABSTRAKKehidupan yang semakin kompleks memungkinkan manusia dihadapkan berbagai risiko yang mengancam aktivitas keseharian bahkan jiwanya. Banyaknya masyarakat muslim di Indonesia menjadi asuransi syariah sebagai tempat yang tepat dalam memperoleh perlindungan atas risiko yang terjadi. Salah satu keberhasilan asuransi syariah dapat dilihat dengan pengelolaan dana tabarru’ yang baik sehingga dapat memenuhi ketika peserta mengajukan klaim dan dapat mengalokasikan surplus underwriting dana tabarru’ diakhir tahunnya. Sehingga tujuan dari studi ini adalah untuk menganalisis alokasi surplus underwriting dana tabarru’ pada salah satu produk asuransi syariah di PT. Asuransi Jiwa Generali Indonesia. Penelitian ini menggunakan metode kualitatif deskriptif dengan strategi studi kasus guna memberikan gambaran detail terkait latar belakang, sifat, dan karakter unik dari alokasi surplus underwriting dana tabarru'. Hasil penelitian ini adalah diperolehnya kesesuaian pengalokasian dana tabarru’ yang diterapkan oleh PT Asuransi Jiwa Generali Indonesia dengan fatwa DSN-MUI Nomor 53/DSN-MUI/III/2006 tentang Akad Tabarru’ dengan pembagian 50% untuk cadangan dana tabarru’, 30% diperuntukan kepada perusahaan dan 20% sisanya dikembalikan lagi pada peserta. Bersesuaian dengan ulasan sebelumnya mulai dari tujuan, metode penelitian dan hasil maka saran yang relevan dengan studi adalah adanya perhatian khusus pada pembagian surplus underwriting dana tabarru’ pada peserta agar semakin banyak peserta yang tertarik menggunakan produk ini.Kata Kunci: Asuransi Syariah, Alokasi Surplus Underwriting Dana Tabarru’, Generali Indonesia ABSTRACTAn increasingly complex life allows humans to face a variety of risks that threaten daily activities and even the soul. A large number of Muslim communities in Indonesia are sharia insurance as an appropriate place in obtaining protection against the risks that occur. One of the successes of sharia insurance can be seen by tabarru' proper fund management so that it can meet when participants submit claims and can allocate tabarru' fund underwriting surpluses at the end of the year. So, the purpose of this study is to analyze the allocation of tabarru' fund underwriting surplus to one of the sharia insurance products at PT. Generali Indonesia Life Insurance. This study used a descriptive qualitative method with a case study strategy to provide a detailed description of the background MUI / III / 2006, nature, and unique character of the tabarru' fund underwriting surplus allocation. The results of this study have obtained the suitability of the tabarru' fund allocation which was implemented by PT Asuransi Jiwa Generali Indonesia with DSN-MUI fatwa number 53/ DSN- concerning Tabarru' Agreement with a 50% distribution for tabarru' fund reserves, 30% was allocated to the company, and the remaining 20% is returned to the participants. Following previous reviews starting from the objectives, the research methods, and the results, the suggestion that is relevant to the study is that there is special attention to the distribution of tabarru' fund underwriting surplus to participants so that more participants are interested in using this product.Keywords: Sharia Insurance, Tabarru' Fund Underwriting Surplus Allocation, Generali Indonesia

THE EFFECT OF MUDHARABAH FINANCING ON CUSTOMERS OF MSME OWNERS IN TERMS OF THE ECONOMIC CHANGES Febiola Bunga Asprila; Andriani Samsuri; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 3 (2021): Mei-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20213pp305-317

ABSTRAKTujuan penelitian ini adalah untuk mengetahui pengaruh pembiayaan mudharabah terhadap perubahan ekonomi nasabahnya melalui empat aspek yaitu aset usaha, omzet usaha, pendapatan usaha, dan laba usaha. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Sumber dan jenis data diperoleh dari teknik wawancara, observasi dan dokumentasi kepada tujuh nasabah pembiayaan mudharabah, pihak pemerintah Desa Berbek, pihak BMT PUMA dan masyarakat sekitar. Data terkumpul kemudian dianalisis menggunakan teknik reduksi data dengan hasil penelitian yang disajikan dengan tabel, grafik, dan deskripsi. Hasil penelitian ini menyimpulkan bahwa UMKM mengalami perubahan ekonomi positif yakni mengalami peningkatan berupa aset usaha mencapai 90%, peningkatan omzet usaha mencapai 233,33%, peningkatan pendapatan usaha mencapai 233,33%, dan peningkatan laba usaha mencapai 150%. Namun masih ditemukan nasabah yang menggunakan sebagian dana pembiayaan untuk membayar hutang, membayar sekolah anak, dan kebutuhan lain. BMT PUMA memberikan kepercayaan penuh kepada nasabah tanpa melakukan pengawasan usaha. Saran yang relevan dengan hasil penelitian yaitu nasabah diharapkan lebih amanah dalam menggunakan dana pembiayaan mudharabah, selain itu BMT PUMA sebaiknya lebih tegas dalam mengawasi penggunaan dana pembiayaan mudharabah pada nasabah. Kata Kunci: BMT, UMKM, Mudharabah, Perubahan Ekonomi. ABSTRACTThis research is qualitative research that aims to know the influence of mudharabah financing on the economic changes of its costomers through four aspects, such as business assets, business turnover, business income, and business profit. The technique of data retrieval are interviews, observation, and documentation to seven mudharabah financing costomers, Berbek Government, BMT PUMA members, and local society. Data collected then analyzed by reduction data technique with the research result presented by tables, graphics, and description. The result of this study concludes that Small Micro Enterprises (SME’s) experiencing positive economic changes that experienced an increase in the form of business assets reached 90%, increase in business turnover reached 233,33%, increase in business income reached 233,33%, and increase in business profit 150%. But there were still customers who used part of their financing funds for other needs. BMT PUMA gives full trust to customers without monitoring their business. Suggestions that are relevant to the research result is customers are expected to be more trustworthy in using mudharabah financing funds. Moreover, BMT PUMA should be more assertive in overseeing mudharabah financing funds on customers.Keywords: Baitul Maal Wattamwi, SME’s, Mudharabah, Economic changes.DAFTAR PUSTAKAAdinugraha, H. H., Sartika, M., & Ulama’i, A. H. A. (2019). Halal lifestyle di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 5(2), 57-81. https://doi.org/10.21274/an.2019.6.1.57-81Ali, W., Muthaly, S., & Dada, M. (2018). Adoption of shariah compliant peer-to-business financing platforms by SMEs: A conceptual strategic framework for fintechs in Bahrain. International Journal of Innovative Technology and Exploring Engineering, 8(2S2), 2278-3075.Bronson, K., & Knezevic, I. (2019). The digital divide and how it matters for Canadian food system equity. Canadian Journal of Communication, 44(2), 63–68. https://doi.org/10.22230/cjc.2019v44n2a3489Dewi, L., Hanik, U., Awwaliah, H., & Yudha, A. T. R. C. (2021). Determinan harga dan potensi sampah sebagai sumber modal ekonomi di bank sampah syariah UINSA Surabaya. Nomicpedia: Journal of Economics and Business Innovation, 1(1), 14–26.Fatmawati, A., Yudha, A. T. R. C., & Syafaq, H. (2020). Kontrak kerja dan kesejahteraan ABK nelayan perspektif etika bisnis Islam di Sarangmerduro, Jawa Tengah. Nukhbatul ’Ulum: Jurnal Bidang Kajian Islam, 6(2), 298–313. https://doi.org/10.36701/nukhbah.v6i2.240Ghafar, A., & Tohirin, A. (2010). Islamic law and finance. Humanomics, 26(3), 178–199. https://doi.org/10.1108/08288661011074954Habibi, M. L., & Yudha, A. T. R. C. (2017). Membangun integrated takaful dan wakaf model dalam upaya meningkatkan kemanfaatan pemegang polis. Al-Uqud : Journal of Islamic Economics, 1(2), 139. https://doi.org/10.26740/jie.v1n2.p139-155Hilmy, M. (2015). The political economy of sunni-shi’ah conflict in Sampang Madura. Al-Jami’ah, 53(1), 27–51. https://doi.org/10.14421/ajis.2015.531.27-51Isbah, M. F. (2019). How is social capital converted to be economic capital? A case study from pesantren’s socio-economic projects. Al-Izzah: Jurnal Hasil-Hasil Penelitian, 14(1), 18. https://doi.org/10.31332/ai.v14i1.1240Kasdi, A. (2016). Filantropi Islam untuk pemberdayaan ekonomi umat (Model pemberdayaan ZISWAF di BMT Se-Kabupaten Demak). IQTISHADIA Jurnal Kajian Ekonomi Dan Bisnis Islam, 9(2), 227. https://doi.org/10.21043/iqtishadia.v9i2.1729Majid, R., & Agassi, B. A. (2017). HASBLE Card: Innovation on company funding using shari’ah venture capital toward halal industry in Indonesia. Journal of Islamic Finance, 6(Special Issue), 242–256. https://doi.org/10.12816/0047352Mardiyah, A., & Ryandono, M. N. H. (2016). Sistem tanggung renteng pada koperasi assakinal sebagai bentuk penerapan konsep ta’awun. 2(1), 79–94. https://doi.org/10.20473/vol7iss20202pp372-388Mohd Nawawi, M. S. A., Abu-Hussin, M. F., Faid, M. S., Pauzi, N., Man, S., & Mohd Sabri, N. (2019). The emergence of halal food industry in non-Muslim countries: A case study of Thailand. Journal of Islamic Marketing, 11(4), 917-931. https://doi.org/10.1108/JIMA-05-2018-0082Nusa, A. T. S., & Khoirudin, R. (2020). Analisis determinan PAD sub-sektor pariwisata di DIY tahun 2012-2017. Journal of Economics Development Issues (JEDI), 3(1), 1–13. https://doi.org/https://doi.org/10.33005/jedi.v3i01.45Ozili, P. K. (2019). Non-performing loans in European systemic and non-systemic banks. Journal of Financial Economic Policy, 12(3), 409-424. https://doi.org/10.1108/JFEP-02-2019-0033Pratama, S. D., & Rahadiana, R. (2020). Muzakki potentials’ role in alleviating poverty (Study case in Aceh). International Journal of Islamic Economics and Finance (IJIEF), 3(1), 95–120. https://doi.org/10.18196/ijief.2123Priyono, S. (2017). Zakat sebagai instrumen dalam kebijakan fiskal. Al Mashlahah Jurnal Hukum Dan Pranata Sosial Islam, 1(2), 125–142. http://dx.doi.org/10.30868/am.v1i02.145Reginald, A. R., & Mawardi, I. (2015). Kewirausahaan sosial pada pondok pesantren sidogiri Pasuruan. Jurnal Ekonomi Syariah Teori dan Terapan, 1(5), 333–345. http://dx.doi.org/10.20473/vol1iss20145pp333-345Ryandono, M. N. H., & Ridlwan, A. A. (2020). Solution for Islamic banks exploitation: A criticism of fixed-yields based financing in Indonesia. Al-Uqud: Journal of Islamic Economics, 4(1), 48–68. https://doi.org/10.26740/al-uqud.v4n1.p48-68Sari, F. K., Safitri, N., & Anggraini, W. (2019). Persepsi, sikap dan minat pariwisata halal di daerah istimewa Yogyakarta. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 2(2), 137. https://doi.org/10.12928/ijiefb.v2i2.857Syamsuddin, S. (2019). Manajemen sumber daya manusia pada ikatan muballigh Sulawesi Tenggara (Imsultra). Al-Izzah: Jurnal Hasil-Hasil Penelitian, 14(1), 136-153. https://doi.org/10.31332/ai.v14i1.1294Umar, A., & Aliyu, S. (2019). Sukuk: A veritable tool for effective waqf fund management in Nigeria. Iqtishadia, 12(1), 1-11. https://doi.org/10.21043/iqtishadia.v12i1.4618Yudha, A. T. R. C., & Muizz, A. (2020). Optimalisasi potensi lahan pertanian untuk ketahanan pangan di Kecamatan Panceng, Gresik, Jawa Timur. Journals of Economics Development Issues (JEDI), 3(2), 297–308. https://doi.org/https://doi.org/10.33005/jedi.v3i2.55Yudha, A. T. R. C., Ryandono, M. N. H., Rijal, A., & Wijayanti, I. (2020). Financing model to develop local commodity business of East Java in Maqashid Syariah perspective. Test Engineering and Management, 83(3590), 3590–3595.Zustika, A. F., & Yudha, A. T. R. C. (2020). Peer to peer lending system in hifdul maal perspective: Evidence from the fintech company of Investree. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(8), 1585–1597. https://doi.org/10.20473/vol7iss20208pp1584-1597

INTEGRATED ECONOMIC EMPOWERMENT: EVIDENCE IN THE RELIGIOUS AREA OF GUSDUR'S TOMB Ainin Nur Mufidah; Hammis Syafaq; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 6 (2021): November-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20216pp785-796

ABSTRAKSaat ini wisata syariah yang biasa dikenal dengan wisata religi sedang menjamur, khususnya di Jawa Timur. Sosok yang dianggap wali oleh sebagian orang itu berada di Surabaya, Gresik, dan Tuban, namun saat ini berkembang di kabupaten Jombang, yakni makam Presiden ke-4 Abdurrahman Wahid yang disebut Gus Dur. Penelitian ini bertujuan untuk mengetahui pemahaman masyarakat dalam memanfaatkan peluang wisata religi makam Gus Dur dalam meningkatkan perekonomian masyarakat sekitar pondok pesantren Tebuireng khususnya di dusun Jalan Seblak gang III. Penelitian ini dapat dicermati melalui perubahan kehidupan ekonomi, pemanfaatan peluang usaha dan faktor penghambat bagi kepentingan usaha. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa masyarakat setempat mengalami perubahan ekonomi dengan memanfaatkan peluang untuk membangun warung di atas tanah mereka dan menyewakannya kepada pedagang luar. Ini memberikan nilai ekonomi tambahan. Namun, penjualan warung-warung tersebut dinilai tidak mencukupi, sehingga mengharuskan mereka untuk membuka usaha sampingan. Terdapat peluang yang sangat baik bagi masyarakat untuk memilih menyewakan lapaknya karena faktor penghambat yaitu keluarga, tenaga kerja, permodalan, dan rasa empati yang tinggi terhadap pedagang pendatang. Saran bagi Pemerintah Kabupaten Jombang adalah memfasilitasi masyarakat dengan pengetahuan kewirausahaan dengan mengadakan seminar agar memiliki pengetahuan dan motivasi yang tinggi untuk menjalankan bisnis.Kata Kunci: Wisata Religi Makam Gus Dur, Peningkatan Ekonomi, Peluang Usaha. ABSTRACTCurrently, sharia tourism, commonly known as religious-friendly tourism is proliferating, especially in East Java. The figure, who is considered a guardian by some people, is located in Surabaya, Gresik, and Tuban but currently developing in the Jombang district, namely the tomb of the 4th President Abdurrahman Wahid, who is called Gus Dur. This study aims to determine the understanding of the community in taking advantage of religious tourism opportunities in Gus Dur's tomb in improving the community's economy around the Tebuireng Islamic boarding school, especially in the hamlet of Street Seblak street alley III. This study can be observed through changes in economic life, utilization of business opportunities and inhibiting factors for business interests. This study uses a qualitative descriptive method with interview and documentation data collection techniques. The results of this study show that the local community is experiencing economic changes by taking advantage of the opportunity to build a warung on their land and rent it out to outside traders. It provides added economic value. However, the sales of the stalls are considered insufficient, so they require them to open a side business. There is an excellent opportunity for the community to choose to rent out their stalls because of the inhibiting factors, namely family, labour, capital, and a high sense of empathy for migrant traders. The suggestion for the Jombang Regency Government is to facilitate the community with entrepreneurial knowledge by holding seminars to have high knowledge and motivation for business interests.Keywords: Religion Tourism of Gus Dur Tomb, Economic Improvement, Business Opportunity. REFERENCESAbdi, M. K., & Febriyanti, N. (2020). Penyusunan strategi pemasaran islam dalam berwirausaha di sektor ekonomi kreatif pada masa pandemi covid-19. El Qist - Journal of Islamic Economics and Business, 10(2), 160–179.Abduh, M. (2019). The role of Islamic social finance in achieving SDG Number 2: End hunger, achieve food security and improved nutrition and promote sustainable agriculture. Al-Shajarah, Special Issue Islamic Banking and Finance 2019, 185–206.Alifianingrum, R., & Suprayogi, N. (2018). Faktor-faktor yang mempengaruhi surplus underwriting dana tabarru’ pada perusahaan asuransi jiwa syariah. Jurnal Ekonomi Syariah Teori Dan Terapan, 5(2), 144–158. https://e-journal.unair.ac.id/JESTT/article/view/13372Amalia, S. (2018). Reformasi birokrasi 4.0: Strategi menghadapi revolusi industri 4.0. Jurnal Wacana Kinerja: Kajian Praktis-Akademis Kinerja Dan Administrasi Pelayanan Publik. https://doi.org/10.31845/jwk.v21i2.133Chitrakorn, K. (2015). Can halal cosmetics outgrow their niche? Retrieved from https://www.businessoffashion.com/articles/beauty/can-halal-cosmetics-outgrow-their-niche/.De Boni, A., & Forleo, M. B. (2019). Italian halal food market development: drivers and obstacles from experts’ opinions. Journal of Islamic Marketing, 10(4), 1245–1271. https://doi.org/10.1108/JIMA-05-2018-0087Diniyya, A. A. (2019). Development of waqf based microfinance and its impact in alleviating the poverty. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 2(2), 107. https://doi.org/10.12928/ijiefb.v2i2.879Djawahir, A. U. (2018). Teknologi-layanan keuangan, literasi-inklusi keuangan, dan value pada fintech syariah di Indonesia: Perspektif S-O-R (Stimulus-organism-response) model. 2nd Proceedings Annual Conference for Muslim Scholars, April 2018, 439–448.Fatmawati, A., Yudha, A. T. R. C., & Syafaq, H. (2020). Kontrak kerja dan kesejahteraan ABK nelayan perspektif etika bisnis Islam di Sarangmerduro, Jawa Tengah. Nukhbatul ’Ulum: Jurnal Bidang Kajian Islam, 6(2), 298–313.Fitriani, H. (2018). Proyeksi potensi pengembangan pariwisata perhotelan dengan konsep syariah. Muslim Heritage, 3(1), . https://doi.org/10.21154/muslimheritage.v3i1.1257Indrawati, S. M., Diop, N., Ikhsan, M., & Kacaribu, F. (2020). Enhancing resilience to turbulent global financial markets: An Indonesian experience. Economics and Finance in Indonesia, 66(1), 47–63.Kraus, S., Clauß, T., Breier, M., Gast, J., & Tiberius, V. (2020). The economics of covid-19: Initial empirical evidence on how family firms in five European countries cope with the corona crisis. International Journal of Entrepreneurial Behaviour & Research, 26(5), 1067-1092. https://doi.org/10.1108/IJEBR-04-2020-0214Miftakhul Jannah, D., & Nugroho, L. (2019). Strategi meningkatkan eksistensi asuransi syariah di Indonesia. Jurnal Maneksi, 8(1), 169–176.Muhamed, A. A., Ab Rahman, M. N., Mohd Hamzah, F., Che Mohd Zain, C. R., & Zailani, S. (2019). The impact of consumption value on consumer behaviour: A case study of halal-certified food supplies. British Food Journal, 121(11), 2951–2966. https://doi.org/10.1108/BFJ-10-2018-0692Nursafitri, S., & Yudha, A. T. R. C. (2020). Instrumen moneter dan belanja daerah serta pengaruhnya terhadap pengangguran terbuka. Ekonomi Dan Bisnis, 7(2), 121–136. https://doi.org/10.35590/jeb.v6i2.1649Nusa, A. 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GREEN ECONOMY OF WASTE BANK IN THE PERSPECTIVE OF MAQASHID SHARIA IN SURABAYA Muhammad Hamdan Ali Masduqie; Syarifudin Syarifudin; Ana Toni Roby Candra Yudha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 8 No. 5 (2021): September-2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol8iss20215pp593-606

ABSTRAKLingkungan hidup merupakan tempat tinggal semua makhluk hidup yang harus dijaga dan dilestarikan. Kurangnya kepedulian masyarakat dalam melestarikan alam dapat menyebabkan pencemaran lingkungan dan banyaknya sampah berserakan. Hadirnya bank sampah menjadi salah satu upaya guna mewujudkan lingkungan yang bersih, asri dan sehat. Dalam sistem operasionalnya, bank sampah menerapkan nilai-nilai pada maqashid syariah yang kemudian diwujudkan melalui green economy pada bank sampah. Tujuan dari studi ini adalah untuk menganalisa nilai maqashid syariah sekaligus green economy yang terkandung pada Bank Sampah Induk Surabaya. Penelitian ini menggunakan metode kualitatif deskriptif dengan strategi studi kasus guna memberikan gambaran detail terkait sistem operasional pada Bank Sampah Induk Surabaya. Hasil penelitian ini menunjukkan adanya penerapan nilai maqashid syariah pada sistem operasional Bank Sampah Induk Surabaya melalui ketetapan, pengadaan kegiatan, dan peraturan yang ditetapkan serta mewujudkan 10 prinsip pada konsep green economy yang sekaligus mendukung tiga program pada Sustainable Development Goals (SDGs). Bersesuaian dengan ulasan sebelumnya mulai dari tujuan, metode penelitian dan hasil maka saran yang relevan dengan studi adalah perlu perhatian khusus bagi pengelolaan Bank Sampah Induk Surabaya agar penerapan nilai maqashid syariahnya lebih dioptimalkan sehingga mampu memberikan manfaat lebih banyak bagi masyarakat selain aspek ekonomi.Kata Kunci: Bank Sampah, Maqashid Syariah, Green Economy, Sustainable Development Goals (SDGs). ABSTRACTThe living environment is a home for all living things that should be protected and preserved. Lack of environmental awareness can cause environmental pollution and waste problems. The presence of waste banks becomes an attempt to create a clean, beautiful, and healthy environment. In its operational system, waste banks apply the values of maqashid sharia that is called green economy. The purpose of this study was to analyze the values of maqashid sharia and green economy which were applied by the Central Waste Bank of Surabaya. This study used a descriptive qualitative method with a case study strategy to provide a detailed description of the operating system at the Central Waste Bank of Surabaya. The results showed that the application of maqashid sharia values in the Central Waste Bank of Surabaya was applied through stipulations, procurement activities, and established regulations as well as realizing 10 principles in the green economy program concepts which also supported three programs in the Sustainable Development Goals (SDGs). According to the findings of this study, the relevant suggestion is that the management of the Central Waste Bank of Surabaya requires special attention so that the application of maqashid sharia values can be optimal. The optimization of maqashid sharia values will benefit the community, not limited to the economic aspect.Keywords: Waste Bank, Maqashid Sharia, Green Economy, Sustainable Development Goals (SDGs).REFERENCESAlfarisyi, A. T., & Fauzi, R. M. Q. (2020). Peran pemberdayaan bank sampah dalam Islam (Studi kasus pada bank sampah induk Surabaya). Jurnal Ekonomi Syariah Teori dan Terapan, 6(3), 541. https://doi.org/10.20473/vol6iss20193pp541-554Antasari, D. W. (2020). Implementasi green economy terhadap pembangunan berkelanjutan di kota Kediri. Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo, 5(2), 80–88. https://doi.org/10.35906/jep01.v5i2.402Arifah, S. R., & Zaki, I. (2020). 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Implementasi Ultimate Service dalam Meningkatkan Kepuasan dan Literasi Nasabah pada Bank Syariah Indonesia KC Surabaya Diponegoro Riska Delta Rahayu; Nurul Izzah Adiningsih; Riski Delta Ningtyas; Sabella Putriani; Ana Toni Roby Candra Yudha
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Pelayanan prima yang diberikan bank kepada nasabahnya merupakan bagian penting dalam mendukung kepercayaan dan kenyamanan nasabah. Kualitas pelayanan yang baik tidak hanya bertujuan untuk meningkatkan citra perusahaan saja namun juga untuk terciptanya loyalitas nasabah dan meningkatkan literasi nasabah dan masyarakat umum mengenai perbankan syariah. Studi ini bertujuan untuk mengetahui dan menganalisis penerapan ultimate service di Bank Syariah Indonesia dalam meningkatkan kepuasan dan literasi nasabah tentang Bank Syariah Indonesia. Peneliti menggunakan metode penelitian kualitatif deskriptif dengan menggunakan sumber data primer dan sekunder yang kemudian di analisis secara deskriptif untuk memberikan gambaran detail terkait penerapan ultimate service di Bank Syariah Indonesia KC Surabaya Diponegoro berdasarkan konsep pelayanan prima A6 (Ability, Attitude, Appearance, Attention, Action, Accountability) telah berupaya untuk menerapkan pelayanan yang disebut ultimate service, dimana bank syariah tidak hanya sebagai transactional branch namun sebagai relation branch yang dapat memenuhi kebutuhan dan keinginan nasabah. Customer service dapat bertindak sebagai financial advisor sekaligus sales officer yang memberikan kepuasan pelanggan dan literasi bagi nasabah. Ultimate service diharapkan dapat meningkatkan kualitas pelayanan dalam memberikan kenyamanan dan kepercayaan serta meningkatkan literasi dan wawasan nasabah terhadap Bank Syariah Indonesia.

Air dan Dampak Kelangkaannya bagi Perekonomian Masyarakat Urban: Studi Pustaka Pulau Jawa Ratna Indah Lestari; Rina Ramadhani; Sherawali Sherawali; Ana Toni Roby Candra Yudha
OECONOMICUS Journal of Economics Vol. 6 No. 1 (2021): (Desember) edisi 11
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2021.6.1.38-48

The purpose of this study is to determine and analyze the effect of water resources on the economy of urban communities in Java and to answer the issue of clean water scarcity in 2040. The results of this study indicate that the issue of water scarcity in Java in 2040 is caused by climate change. population growth, land-use change, and water pollution. The suggestion in accordance with this is that all stakeholders are expected to be aware of and continue to monitor the availability of clean water by providing education and socialization at various professional and educational levels in order to obtain more sustainable use of water.

Manajemen Pelayanan Pemberdayaan Anak Yatim pada Lembaga Amil Zakat Yatim Mandiri di Surabaya Ana Toni Roby Candra Yudha
Al Tijarah Vol 2, No 1 (2016): June 2016
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v2i1.667

The background this study are: firstly, there are a number of zakat institutions in Indonesia, both agencies and institutions amil amil zakat zakat is still not able to optimally collect zakat funds, infaq, and sadaqah of society. Second, the persistence of people's distrust of institutions in channeling zakat zakat funds, infaq, and sadaqah, so people still rely on the old way is by direct distribution. The third officer attitudes zakat institutions in serving mustahiq should be improved because it is related to the satisfaction and familial ties between the parties with mustahiq amil zakat institutions. The results of this study are as follows: First, empowerment conducted by Yatim Mandiri covers many aspects, such as economy, education, health services, humanitarian and others. Second, each of these aspects before, have the derivation in the form of empowerment programs. Third, Yatim Mandiri as amil zakat institutions that focus on empowering orphans/dhuafa was also to empower the poor, Fourth, Yatim Mandiri as amil zakat institutions have a number of donations and charity infaq much larger than the amount of zakat donations, with ratio of 80:20, and Fifth, the service provided by the Yatim Mandiri to the poor and needy got a very good assessment from the their mustahiq. Overall, the conclusion from this study is tha t the Yatim Mandiri has done his duty to the optimum as evidenced by the very positive assessment of mustahiq and empowering the poor to the services them, and they provide from time to the time.

Jaminan dalam Aqad Pembiayaan Muḍārabah Perbankan Syariah di Wilayah Surabaya Ana Toni Roby Candra Yudha
Al Tijarah Vol 1, No 1 (2015): June 2015
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v1i1.380

The Moral hazard and skill of costumer are fundamental problems in fi nancing of sharia bank by muarabah contract. In order to reduce the risk of that problems, sharia bank obliges the bail for granted loan. This research aims to know how the determination of bail included in contracts of fi nancing, especially in muarabah contract. The approach of this research is qualitative descriptive approach. The analytic result shows that the collateral in sharia bank is different from conventional bank, it doesn’t bail the credits but it bails muarib for not breaking the agreement. Therefore, if the muarib incurred economical losses without breaking the agreement, the bail can’t be confi scated.

Co-Authors Abdul Hakim Abdul Mu’izz Achmad Room Fitrianto Agus Afandi Ahmad Danu Syaputra, Ahmad Danu Ahmad Saifudin, Ahmad Ainin Nur Mufidah Ajeng Tita Nawangsari Akbar Pratama Kartika Akh. Yunan Atho'illah Al-Kamal, Abdullah Muhammad Alfadia Fitri Aini Alfin Maulana Alvina Mutia Hendarti Amalia Yustika Andaru Rachmaning Dias Prayitno Andhy Permadi, Andhy Andi Triyanto Andriani Samsuri Ani Fatmawati Anisa Fadilah Zustika Arifin, Rahman Arista, Setia Rini Astuti, Setyani Agung Dwi Atho'illah, Akh. Yunan Atho'illah, Akhmad Yunan Atho?illah, Akhmad Yunan Aulia, Fa'iqotur Awwaliah, Habibah Azhar, Masyhuri Debby Nindya Istiandari Dharmawan, Ferry Dikuraisyin, Basar Dk Hjh Saerah Pg Hj Petra Dusturiya, Nyda Eka Mega Pertiwi Erly Erlian Kurniawati Fadilla, Siti Fauziah, Nailatin Febiola Bunga Asprila Febriyanti, Novi Habibah Awwaliah Habibah Awwaliah Habibi, M. Lutfillah Hammis Syafaq Handila Rizka harir, muharir Himami, Fatikul Ida Wijayanti Imam Wahyudi Indrawan, Imam Wahyudi Ivan Riyadi, Ivan Izzuddin M. Afif Junjunan, Mochammad Ilyas Kafabih, Abdullah LATIF, SALWA SABRINA Lusiana Dewi M. Lathoif Ghozali M. Lutfillah Habibi Maghfiroh, Aulya Putri Maksum, Maksum Masrufa, Nur Masyhuri Azhar Maziyah Mazza Basya Md Atiqur Rahman Sarker Melis Misnen Ardiansyah, Misnen Mochammad Andre Agustianto Mohamad Yusak Anshori Mohammad Khoiruzi Afiq Mohd Azli, Rafidah binti Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Hamdan Ali Masduqie Muhammad Rendy Setiawan Muharir, Muharir Mutia Hendarti, Alvina Nasif Sidquee Pauzi Novi Febriyanti Novia Putri Artanti Nurlailah Nurlailah Nurul Huda Nurul Huda Nurul Huda Nurul Izzah Adiningsih Nyda Dusturiya Pauzi, Nasif Sidquee Pertiwi, Eka Mega Petra, Dk Hjh Saerah Pg Hj Pradessari, Alda Putra, Muhammad Deni Rafidah binti Mohd Azli Ratna Indah Lestari Rianto Anugerah Wicaksono Rina Ramadhani Riska Delta Rahayu Riski Delta Ningtyas Rizka Rahmatillah Zidna Rizqa Rahmaddina Rofiki, Akhmad Rofiqoh, Isnaini Rosidhah, Nafi Ngatur Sabella Putriani Salsa Yuli Setiani Samawi, Mohammad Wirmon Saprida, Saprida Saputra, Gery Akbar Sarker, Md Atiqur Rahman Selly Nursafitri Septiani, Arinda Sherawali Sherawali Sherawali Sherawali Sherawali, Sherawali Slamet Haryono Sri Wigati Sugiyanto Sugiyanto Sugiyanto Sukoco, Anton Syahruddin Syahruddin Syahruddin Syahruddin Syarifudin Syarifudin Syarifudin Syarifudin Syarifudin Syarifudin Ummi Hanik Vinka Alysia Wahid, Muhammad Ilham Wijayanti, Ida WULANDARI, TIFFANI AYU Yalina, Nita Yayan Firmansah ZAKARIYA, NOVIE ANDRIYANI Zakiyatul Fakhiroh Zulfiah, Hilya

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