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OPTIMALISASI PARIWISATA SYARIAH DALAM UPAYA PENINGKATAN EKONOMI LOKAL MASYARAKAT MADURA Supriyadi; Fauzan; Ubaid Aisyul Hana; Azibur Rahman
GREENOMIKA Vol. 3 No. 2 (2021): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Poverty is a problem faced by every country. Based on data from the Central Statistics Agency, the percentage graph of the poverty rate in East Java in 2020, Madura Island occupies the first position of the poorest district in East Java where there are 4 districts that are included in the 6 list of the poorest districts/cities. Sampang District: 224.72 people, Sumenep: 220.23 people, Bangkalan: 204.00 people, and Pamekasan, 129.41 people, with a poverty percentage of 14%. Madura Island has tourism potential, especially sharia tourism. The people of Madura Island are famous for their religious attitudes, have many Islamic boarding schools, as well as religious tourism objects, making tourism potential with sharia concepts. Sharia tourism is all community activities related to tourism and is based on Islamic sharia principles. The method used in this scientific paper is descriptive qualitative. The results show that through sharia tourism, the community can develop UMKM that can increase income. In addition, the community can also provide an additional profile for Madura Island, which is known for its karapan sapi culture and sharia tourism, so that the tourism sector can compete in the local or global arena. The conclusion of this study is that the potential of Madura Island's natural wealth is managed and developed efficiently, so the sharia tourism sector can improve the standard of living of the economy and improve the welfare of the people of Madura island.

Management of the Surabaya Syariah Namira Hotel in the Perspective of Sharia Hotel Principles and Regulation of the Minister of Tourism and Creative Economy of the Republic of Indonesia Number 2 of 2014 Ubaid Aisyul Hana
Maliyah : Jurnal Hukum Bisnis Islam Vol. 11 No. 1 (2021): Juni 2021
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

This research is a field research to highlight service of the Surabaya Syariah Namira Hotel in the perspective of sharia hotel principles and Regulation of the Minister of Tourism and Creative Economy of the Republic of Indonesia Number 2 of 2014. To elaborate on that theme, there are two core issues that will be answered, namely: how is the management of the Surabaya Syariah Namira Hotel? And how is the management of the Surabaya Syariah Namira Hotel in the perspective of Sharia principles and the Regulation of the Minister of Tourism and Creative Economy of the Republic of Indonesia Number 2 of 2014? The data obtained through observation, interview and documentation. The results showed that the service and management of the Surabaya Syariah Namira Hotel is carried out in accordance with the internal hotel regulations and completed with facilities as required in sharia hotel. While based on sharia principles and the Regulation of the Minister of Tourism and Creative Economy of the Republic of Indonesia Number 2 of 2014, the Surabaya Syariah Namira Hotel is adequate to be classified as sharia hotel and as the Hilāl-1 category.

IMPLEMENTATION ANALYSIS OF IJARAH AL-MUNTAHIAH BI AL-TAMLIK (IMBT) IN SHARIA LEASING Sundari Sundari; Efi Nurhidayah; Ubaid Aisyul Hana
Dirosatuna: Journal of Islamic Studies Vol 5 No 2 (2022): Islamic Education and Behaviour
Publisher : Institute of Research and Community Service, Institute of Pesantren Kiyai Haji Abdul Chalim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/drstn.v5i2.3342

Leasing is one type of financial institution. Financial institutions can be regarded as alternative sources of financing whose activities are carried out by providing funds or capital goods by not withdrawing funds directly from the public in the form of demand deposits, deposits, savings, and promissory notes. This research is library research, which studies collecting library data. The nature of this research is a descriptive analysis that explains the legal relationship in sharia leasing contained in the contracts that frame it, namely the Ijarah contract and the ijarah al-muntahiyah bi al-tamlik contract. In pledging a sharia leasing object, the customer is not authorized to guarantee the object because the object is still the property of the lessor. At the same time, the lessee has yet to become the owner of the object. This applies to both Ijarah contracts and ijarah al-muntahiyah bi al-tamlik contracts. In the ijarah al-muntahiyah bi al-tamlik contract, there is only a transfer of ownership at the end of the lease period. During the rental period, the customer is only a tenant, not yet an owner. So that leasing is no longer taboo for the people of Indonesia. Moreover, in Islam, there is no prohibition on sharia leasing. Its development is also increasing, considering the increasing needs of the community. Sharia leasing cannot be separated from ijarah al-muntahiyah bi al-tamlik, usually abbreviated as IMBT.

Analisis Dampak Zakat terhadap Perekonomian untuk Kemaslahatan Masyarakat Miskin Nur Dinah Fauziah; Ubaid Aisyul Hana; Muawanah; Elia Mauliana
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 3 No 02 (2021): SAUJANA: Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v3i02.37

Masyarakat Islam sebagai subyek zakat masih sebagian besar beranggapan zakat hanya sebagai kewajiban ibadah semata di hadapan Allah SWT yang menjadi rukun sahnya keislaman seseorang. Hakikat zakat, infaq dan shadaqah pada dasarnya adalah ajaran keruhanian (spiritual dan moral) yang diharapkan mampu memenuhi kebutuhan kaum muslimin dan sebagai salah satu pendapatan negara. Namun cakupan infaq dan shadaqah lebih luas karena memasukkan segala perbuatan baik.Di antara problematika utama yang sedang dihadapi oleh bangsa Indonesia adalah masalah kemiskinan. Salah satu instrumen yang digunakan untuk mengurangi kemiskinan adalah zakat. Kemiskinan dan ketimpangan pendapatan masih menjadi masalah utama yang dihadapi oleh bangsa Indonesia. mekanisme pemerataan distribusi pendapatan yang efektif yang menjamin terpenuhinya kebutuhan masyarakat kurang mampu (dhuafa) yang dalam studi zakat disebut dengan istilah mustahiq, atau kelompok yang berhak menerima dana zakat. Tulisan ini merupakan hasil penelitian yang bertujuan untuk menganalisa secara empirik apakah zakat memiliki dampak terhadap upaya pengurangan tingkat kemiskinan. Kemiskinan dan ketimpangan pendapatan masih menjadi masalah utama yang dihadapi oleh bangsa Indonesia. Para akademisi berpendapat bahwa pembangunan ekonomi di suatu negara telah menciptakan sebuah pilihan di antara pertumbuhan ekonomi dan distribusi. Pendekatan distribusi konvensional tampaknya gagal dalam mengatasi masalah. Hasil analisa menunjukkan bahwa zakat mampu mengurangi jumlah dan persentase keluarga miskin, serta mengurangi kedalaman dan keparahan kemiskinan.

Analysis of Islamic Law on the Efforts of Covering Physical Evidence of Murabahah Financing Transactions Ubaid Aisyul Hana; Muhammad Syarifudin
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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

The research aims to answer the problem of how to cover physical evidence by PT. BPRS Jabal Nur according to Islamic legal analysis. The research data is collected through interviews and the documentation is then analyzed using descriptive analysis techniques, namely the most basic analysis to describe the data in general. The results of the study concluded that the policies agreed upon by the BPRS Jabal Nur Surabaya were expressly prohibited by Islamic law, because they did not comply with the regulations made by the government. As explained in the Koran Surat al-Nisa’ verse 59. The policy is the covering (manipulation) of physical evidence in the form of notes for customers who do not deposit notes for certain reasons. It was done by the bank due to a lack of staff in handling the above problems and a lack of customer knowledge about the importance of these notes for the bank in their annual reports. In line with these conclusions, BPRS Jabal Nur must be firm with customers to submit physical evidence in the form of notes and tighten the recruitment process for the company so that it is better than what is expected by BPRS Jabal Nur Surabaya.

Analysis of Islamic Law on the Efforts of Covering Physical Evidence of Murabahah Financing Transactions Ubaid Aisyul Hana; Muhammad Syarifudin
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.1

The research aims to answer the problem of how to cover physical evidence by PT. BPRS Jabal Nur according to Islamic legal analysis. The research data is collected through interviews and the documentation is then analyzed using descriptive analysis techniques, namely the most basic analysis to describe the data in general. The results of the study concluded that the policies agreed upon by the BPRS Jabal Nur Surabaya were expressly prohibited by Islamic law, because they did not comply with the regulations made by the government. As explained in the Koran Surat al-Nisa’ verse 59. The policy is the covering (manipulation) of physical evidence in the form of notes for customers who do not deposit notes for certain reasons. It was done by the bank due to a lack of staff in handling the above problems and a lack of customer knowledge about the importance of these notes for the bank in their annual reports. In line with these conclusions, BPRS Jabal Nur must be firm with customers to submit physical evidence in the form of notes and tighten the recruitment process for the company so that it is better than what is expected by BPRS Jabal Nur Surabaya.

Analisis Produksi dalam Sistem Ekonomi Islam: Prinsip, Praktik, dan Implikasinya terhadap Kesejahteraan Umat Choerunnisa, Alivia; Aisyul Hana, Ubaid; Sa’idatuurrohmah, Nur
Al-Musthofa: Journal of Sharia Economics Vol. 7 No. 1 (2024): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v7i1.2788

This research aims to analyze production in the Islamic economic system with a focus on principles, practices and empowerment towards the welfare of the people. Islamic economics, which is based on sharia, offers a unique approach to production that is different from conventional economic systems. This study examines the basic principles of Islamic economics such as justice, balance and social responsibility, as well as how these principles are applied in production practices. Through a qualitative approach and literature analysis, this research finds that production in an Islamic economy does not only focus on material profits, but also considers moral and social aspects. The research results show that the application of Islamic economic principles in production can improve the welfare of the people through fairer distribution, reduce poverty, and create more ethical employment opportunities. In addition, this research identifies challenges faced in implementing the Islamic economic system, such as a lack of understanding and regulatory support. In conclusion, production in an Islamic economic system has great potential to improve the welfare of the people if implemented well, and further research is needed to overcome existing challenges and optimize the application of sharia principles in a modern economic context.

Analysis of Islamic Law on the Efforts of Covering Physical Evidence of Murabahah Financing Transactions Hana, Ubaid Aisyul; Syarifudin, Muhammad
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.1

The research aims to answer the problem of how to cover physical evidence by PT. BPRS Jabal Nur according to Islamic legal analysis. The research data is collected through interviews and the documentation is then analyzed using descriptive analysis techniques, namely the most basic analysis to describe the data in general. The results of the study concluded that the policies agreed upon by the BPRS Jabal Nur Surabaya were expressly prohibited by Islamic law, because they did not comply with the regulations made by the government. As explained in the Koran Surat al-Nisa’ verse 59. The policy is the covering (manipulation) of physical evidence in the form of notes for customers who do not deposit notes for certain reasons. It was done by the bank due to a lack of staff in handling the above problems and a lack of customer knowledge about the importance of these notes for the bank in their annual reports. In line with these conclusions, BPRS Jabal Nur must be firm with customers to submit physical evidence in the form of notes and tighten the recruitment process for the company so that it is better than what is expected by BPRS Jabal Nur Surabaya.

Analysis of Islamic Law on the Efforts of Covering Physical Evidence of Murabahah Financing Transactions Hana, Ubaid Aisyul; Syarifudin, Muhammad
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.1

The research aims to answer the problem of how to cover physical evidence by PT. BPRS Jabal Nur according to Islamic legal analysis. The research data is collected through interviews and the documentation is then analyzed using descriptive analysis techniques, namely the most basic analysis to describe the data in general. The results of the study concluded that the policies agreed upon by the BPRS Jabal Nur Surabaya were expressly prohibited by Islamic law, because they did not comply with the regulations made by the government. As explained in the Koran Surat al-Nisa’ verse 59. The policy is the covering (manipulation) of physical evidence in the form of notes for customers who do not deposit notes for certain reasons. It was done by the bank due to a lack of staff in handling the above problems and a lack of customer knowledge about the importance of these notes for the bank in their annual reports. In line with these conclusions, BPRS Jabal Nur must be firm with customers to submit physical evidence in the form of notes and tighten the recruitment process for the company so that it is better than what is expected by BPRS Jabal Nur Surabaya.

Green Products in the Implementation of a Green Economy: An Analysis of Their Impact on Consumption Expenditure Sindy Marchelia Putri; Muh. Syaukin Muttaqin; Susilowati Susilowati; Ubaid Aisyul Hana; Agam Anantama
Journal of Business Improvement Vol 1 No 3 (2024): Oktober
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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

The purpose of this study is to analyze the impact of implementing a green economy through the use of green products, focusing on their effect on consumption expenditure. The respondents consist of 12 informants who are members of the Bumi Ijo group. The study shows that the implementation of a green economy through the use of green products aligns with the objectives of a green economy, as users consciously choose green products to protect the environment and reduce issues related to plastic waste, as well as because green products are more durable. The impact of green products on expenditure is positive, as they serve as alternatives to conventional or factory-made products that can be reused multiple times, despite the higher initial cost

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