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Parameter Pengembangan Produk-Produk Perbankan Syariah Dengan Pendekatan Maqasid Syariah (Studi Kasus di Perbankan Syariah Kabupaten Ponorogo) Ahmad Muqorobin; Eko Nur Cahyo
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

Currently, the development and growth of Islamic banking show a positive trend that increases every year. This encourages Islamic banks to produce innovative products which customer needs. However, the methods used to develop products differ from one country and another. For Indonesia, one parameter is needed to harmonize all product developments produced by Indonesian Islamic banking. The purpose of this study is to explore the challenges of current Islamic banking in producing products and make a parameter as a reference for developing Islamic banking products with the Maqāsid Sharia approach for the realization of maslahah. To achieve this study using several methods such as interviews, content and descriptive analysis. The results of this study are the parameters that have been applied with the development product in Islamic banking Ponorogo citywith the Maqāsid Sharia approach. A product can produce maslahah if the five elements in Maqāsid shari’a are achieved, namely; (1) Preservation of religion by the basis of the product offered is based on the Al-Qur'an, Sunnah, and DSN-MUI, (2) Preservation of life, it is manifested by the service and supply to customers in accordance with Islamic ethics, (3) Preservation of intellect, with a form of banking business to explain in detail related to products offered to customers in a clear, (4) Preservation of wealth, it is realized with the management of property management client in Islam, (5) Preservation of progeny, by applying the four things previously, to guarantee halal and affect the sustainability of living for the family and the children of clients.

AMNESTI PAJAK TERHADAP KEPATUHAN PAJAK KENDARAAN DI PROVINSI JAWA TIMUR MENURUT KEBIJAKAN FISKAL ISLAM Mujibur Rahman; Eko Nur Cahyo
Ijtihad Vol. 17 No. 1 (2023): Ijtihad: Jurnal Hukum dan Ekonomi Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/ijtihad.v17i1.9194

*English*Tax amnesty is a breakthrough or step programmed by the East Java government, especially to provide relief to taxpayers who have dependents or fines for late payment of annual taxes. So that with the help of the tax amnesty program, people who have arrears of tax sanctions will be removed, so they are only required to pay the basic tax. Based on a program run by a researcher, this aims to find out whether taxpayers, especially transportation taxes, are eligible to launch an amnesty program or abolish tax sanctions. The method used in this study is qualitative descriptive research (literature review) by accessing various literary sources regarding the tax amnesty program in East Java. Based on the results of literature studies, it can be seen that with the tax amnesty or tax exemption program, there is an increase in the amount of tax payments from taxpayers who previously had dependents on tax penalties. As of October 2022, the number of motorized vehicles in East Java reached 24.1 million units, according to data from the National Police Corps. As a result, this number is the highest among other provinces in Indonesia. Thus, with the enactment of the tax amnesty in East Java, this program is said to have succeeded in contributing to the addition of PKB objects from vehicles outside the province to 11,091, of which 11,091 can cost IDR 22.79 billion. *Indonesia*Pengampunan pajak merupakan terobosan atau langkah yang diprogramkan oleh pemerintah Jawa Timur, khususnya untuk memberikan keuntungan kepada wajib pajak yang memiliki tanggungan atau denda atas keterlambatan pembayaran pajak tahunan. Sehingga dengan adanya program amnesti pajak, masyarakat yang memiliki tanggungan yang memiliki tunggakan sanksi pajak akan dihapus sanksinya sehingga hanya perlu membayar pajak pokok saja. Berdasarkan program yang dilakukan oleh peneliti bertujuan untuk mengetahui persetujuan wajib pajak khususnya pajak kendaraan terhadap pencanangan program amnesti atau penghapusan sanksi perpajakan tersebut. Metode yang digunakan dalam penelitian inimerupakan penelitian deskriptif kualitatif (literature review) dengan mengakses berbagai sumber literatur tentang program tax amnesty di Jawa Timur. Penelitian ini bertujuan untuk mengetahui kepatuhan wajib pajak pada Pemerintah Provinsi Jawa Timur. Berdasarkan hasil studi literatur terlihat bahwa dengan adanya program tax amnesty atau pembebasan pajak, terjadi peningkatan jumlah pembayaran pajak dari wajib pajak yang sebelumnya memiliki tanggungan dengan sanksi perpajakan. menurut Korlantas Polri per Oktober 2022, jumlah kendaraan bermotor di Jawa Timur mencapai 24,1 juta unit. Alhasil, jumlah tersebut merupakan yang tertinggi di antara provinsi lain di Indonesia. Demikian, dengan berakhirnya tax amnesty di Jatim, program ini disebut-sebut.

Trading Digitalization: Legal Awareness in the Disruption Era Anindya Aryu Inayati; Noorma Fitriana M. Zain; Nur Afifah; Eko Nur Cahyo
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 11 No 1 (2023): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v11i1.6519

The digitalization of trading is developing rapidly, but legal awareness has not been well developed. Although digital trading is fairly new in the world of economics in this country, it has been able to attract the attention of many people, especially business people, to become traders. Digital trading refers to trading activities using applications on smartphones or trading software commonly called trading robots. But unfortunately, the rise of digital trading activities is not accompanied by regulations that guarantee the safety of novice traders. Together with the inhabitants of Pekalongan's ignorance of the rules and laws pertaining to trading activities on the capital market. The purpose of this study is to examine the factors that prevent Pekalongan citizens from being aware of the legal implications of digital trading and know the implications of the lack of legal awareness of the people of Pekalongan regarding digital trading. This study employs both statutory and conceptual approaches and is grounded in empirical legal research. Techniques for descriptive qualitative data analysis. The population of Pekalongan served as the sample for this study, which used a random sampling technique. The findings of this study indicate that low literacy rates and a lack of interest in commodities trade are the main causes of the lack of legal awareness among Pekalongan residents (trading). The consequences of the people of Pekalongan's lack of legal awareness with regard to digital trading are: 1) They lack legal protection in transactions involving digital trading, and 2) They are vulnerable to fraud and losses in such transactions.

Trading Digitalization: Legal Awareness in the Disruption Era Anindya Aryu Inayati; Noorma Fitriana M. Zain; Nur Afifah; Eko Nur Cahyo
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 11 No 1 (2023): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v11i1.6519

The digitalization of trading is developing rapidly, but legal awareness has not been well developed. Although digital trading is fairly new in the world of economics in this country, it has been able to attract the attention of many people, especially business people, to become traders. Digital trading refers to trading activities using applications on smartphones or trading software commonly called trading robots. But unfortunately, the rise of digital trading activities is not accompanied by regulations that guarantee the safety of novice traders. Together with the inhabitants of Pekalongan's ignorance of the rules and laws pertaining to trading activities on the capital market. The purpose of this study is to examine the factors that prevent Pekalongan citizens from being aware of the legal implications of digital trading and know the implications of the lack of legal awareness of the people of Pekalongan regarding digital trading. This study employs both statutory and conceptual approaches and is grounded in empirical legal research. Techniques for descriptive qualitative data analysis. The population of Pekalongan served as the sample for this study, which used a random sampling technique. The findings of this study indicate that low literacy rates and a lack of interest in commodities trade are the main causes of the lack of legal awareness among Pekalongan residents (trading). The consequences of the people of Pekalongan's lack of legal awareness with regard to digital trading are: 1) They lack legal protection in transactions involving digital trading, and 2) They are vulnerable to fraud and losses in such transactions.

Curriculum Design of Master Program on Islamic Economics in Indonesian, Pakistan, Turkish, and Malaysian Universities Hamid Fahmy Zarkasyi; Setiawan bin Lahuri; Khoirul Umam; Eko Nur Cahyo
TSAQAFAH Vol. 12 No. 1 (2016): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v12i1.368

This research is aimed at finding the curriculum design of Islamic economic, especially on its epistemological basis, its method of integration and its method of teaching. The object of research is postgraduate program at universities that offer the degree of Islamic Economic. The universities that will be researched represent four outstanding countries that have serious concern on Islamic economic studies. Those universities are International Islamic University Islamabad Pakistan, Istanbul Sabahattin Zaim University, International Islamic University of Malaysia and four Universities of Indonesia i.e. Islamic State University Sunan Kalijaga Yogyakarta, Islamic State University Sunan Ampel, University of Airlangga, and STIE Tazkia. The data will be collected through documentary and interview method. To analyze the data the researchers employs descriptive, compare and contrast, and synthesis method. The curriculum design that includes the vision and mission where epistimological aspects are clearly stated, in most of Islamic economics departments. However, not all departments that state explicity their vision and mission and objective clearly have clear statement on the integration of conventional and Islamic economics. Islamic State University Sunan Kalijaga Yogyakarta, Islamic State University Sunan Ampel, University of Airlangga, STIE Tazkia, and Istanbul Sabbahatain Zaim do not state clearly the vision and mission in relation the program of integration and Islamization. So the epistimological aspect is not taken into serious consideration as the vision and mission of the program. The Universities that clearly state the integration and Islamization are Islamic Science University of Malaysia, International Islamic University of Islamabad, and International Islamic University of Malaysia.

THE CONCEPT OF WAQF FROM WORLDVIEW THEORY: The Study of Sharia-Philosophy Amrullah, Khasib; Jamal, Mulyono; Cahyo, Eko Nur; Khakim, Usmanul; Zahro', Khurun'in
Ulul Albab: Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15694

This article describes the structure of the waqf concept from a worldview theory perspective. Worldview is simply a fundamental belief system concerning God, reality, man and truth, ethics, etc.; which serves as a guide for human life. A person's worldview will determine his behavior and actions. The next question is what kind of belief concept makes someone willing to do waqf? This article is a literature review that employs qualitative data with a philosophical approach. The data analysis method employs content analysis of data sources from the library. The result shows that the worldview analysis on waqf is a concept that was emerging from the Islamic worldview whose emergence was supported by various other fundamental concepts such as God, Prophets, Revelation, and Sharia (religion). It proves that the structure of the waqf concept is not as simple as handing over the property to Allah for the benefit of others. The peculiarity of such waqf concept seems impossible to be affirmed by the secular Western worldview, which is unable to affirm the concept of revelation, the Prophet, and religion. It also proves that the philosophical foundation of a waqf concept built on an Islamic worldview is very consistent, solid, and even has a broad spectrum that spans the worldly and the hereafter visions simultaneously.

Cultural Identity of Pesantren Cadres in Indonesia Nidzom, Muhammad Faqih; Saifuddin, Ahmad Farid; Khakim, Usmanul; Cahyo, Eko Nur
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol 6 No 3 (2024): Geographical Coverage: Indonesia
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v6i3.6419

This study aims to explore the cultural identity of pesantren cadres through the rite of self-endowment (waqf basyari) at Pondok Modern Darussalam Gontor (PMDG). The research employs a qualitative field methodology with an ethnographic approach. Data were collected through participant observation, in-depth interviews with eight informants (two pesantren leaders, four senior cadres, and two junior cadres), and documentation. Data analysis followed Spradley’s ethnographic method, including identifying social domains, semantic relationship analysis, taxonomic analysis, componential analysis, and the identification of cultural themes. The findings reveal that the wakaf diri ritual at PMDG comprises three phases of a rite of passage: separation, liminality, and incorporation. Upon completing these phases, cadres gain a new status as wakaf cadres with a cultural identity encompassing symbolic and intrinsic dimensions. The symbolic identity includes the cadres' daily roles in educating students, assisting the pesantren, and pursuing studies, balanced by entitlements such as welfare as members of the pesantren community. The intrinsic identity consists of three core dimensions: (1) achievements in academic and non-academic fields, (2) dedication through the sacrifice of time, effort, thoughts, and even life, and (3) loyalty manifested as a commitment to PMDG's values, leadership, and system. The intrinsic identity reflects self-development, dedication, and profound love for the pesantren. This ritual shapes cadres who are loyal and uphold the values of the pesantren in their lives.

Analysis Of Islamic Business Ethics in Khizanah Gontor Bakery Production Adzimi, Farkhan Rizky; Susilo, Adib; Cahyo, Eko Nur
Journal of Contemporary Applied Islamic Philanthropy Vol. 2 No. 2 (2024): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v2i2.83

Purpose: This research is motivated by the phenomenon of many cases of poisoning in consumers after consuming food. Khizanah Gontor Bakery Pondok Modern Darussalam Gontor as a business actor can compile its system to continue to implement Islamic business ethics. The purpose of this study is to find out how the Khizanah Gontor Bakery system is in its production and to find out whether this business has implemented Islamic business ethics in its production system. Methodology: This study uses a qualitative method with a type of field research. Data was collected through interviews and observations. This research method is descriptive qualitative which analyzes the Implementation of Islamic Business Ethics in Khizanah Gontor Bakery Business Production. Findings: The results of the study show that Khizanah Gontor Bakery's business production is in accordance with the principles of Islamic business ethics. Business actors use good and halal raw materials for consumption. In their work system, staff and employees have also implemented Islamic ethical principles in them such as unity, justice, will, responsibility and also virtue. Even with the principle of sincerity, Khizanah Gontor Bakery staff carry out all tasks and develop their factory without any salary for them and with full sincerity. This principle is held firmly by the staff and does not commit any fraud in any of its production.

Pendampingan Strategis untuk Meningkatkan Usaha Mikro Krecek Kerupuk “Bu Nor” Ponorogo Melalui Pemasaran Digital Berbasis Website Musthafa, Aziz; Utomo, Bambang Setyo; Wibisono, Vina Fithriana; Lahuri, Setiawan bin; Cahyo, Eko Nur
Abdimas Galuh Vol 7, No 1 (2025): Maret 2025
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v7i1.18091

Usaha mikro memiliki peran krusial dalam perekonomian Indonesia, terutama dalam menciptakan lapangan kerja dan mendorong pertumbuhan ekonomi lokal. Namun, banyak usaha mikro masih menghadapi tantangan dalam pengelolaan bisnis, khususnya dalam aspek produksi dan pemasaran. Salah satu contoh usaha mikro yang mengalami kendala tersebut adalah usaha Krecek Krupuk “Bu Nor” Ponorogo. Usaha ini memiliki potensi besar berkat cita rasa otentik dan kualitas produk yang terjaga. Namun, terdapat beberapa permasalahan utama, seperti belum memiliki website resmi yang mampu menampilkan produk dengan baik, kurangnya pengetahuan tentang cara membuat dan mengelola website, serta strategi pemasaran digital yang belum terintregasi, sehingga jangkauan pasar masih terbatas. Tujuan dari PKM ini yaitu dirancang agar Krecek Kerupuk Bu Nor dapat memiliki website yang dikelola secara profesional untuk meningkatkan jangkauan pemasaran, membangun citra merek yang kuat, dan mendukung pertumbuhan bisnis yang berkelanjutan. Metode yang diterapkan mencakup pendampingan dalam digitalisasi pemasaran, pelatihan pengelolaan website sebagai media promosi, serta strategi peningkatan jangkauan pasar. Hasil dari pendampingan ini menunjukkan bahwa mitra mengalami peningkatan pemahaman dan keterampilan dalam pemasaran digital. Website yang dikembangkan mampu memperluas jangkauan pemasaran produk di luar wilayah sekitar. Dengan adanya digitalisasi pemasaran, usaha ini memiliki peluang lebih besar untuk meningkatkan volume penjualan dan daya saing di pasar yang lebih luas.

إدارة الوقف الزراعي لمعهد دار السلام كونتور بعقد الإجارة والمزارعة على تحليل سواوت: The Management of Waqf Fields at Pondok Modern Darussalam Gontor (PMDG) Based on Ijarah and Muzara’ah Contract: SWOT Analysis Jamal, Mulyono; Wibowo, Hendri Setiyo; Zahro', Khurun'in; Cahyo, Eko Nur
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 1 (2025): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i1.2617

Efforts to manage agricultural waqf lands are the right step towards increasing the productivity of waqf lands. This study aims to determine the management of the agricultural waqf of the Universitas Darussalam Gontor through lease and sharecropping contracts. This is a qualitative field study conducted at the Universitas Darussalam Gontor, Indonesia. In collecting data, the researcher used observation, interviews, and documents, which were then analyzed using the SWOT approach. The results of this study show that the agricultural endowment management of the Universitas Darussalam Gontor through lease contracts is located in the areas of Fonoroko, Madiun, Kediri, Nganjuk, and Jember, while its management through sharecropping contracts is located in the Mantingan area. The management of agricultural endowments through lease and sharecropping contracts for the Universitas Darussalam Gontor helps the community's economy and welfare because the price of agricultural endowment leases is lower than other agricultural prices.

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