Articles
<![CDATA[ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL) PADA BNI SYARIAH TAHUN 2014-2017 ]]>
<![CDATA[Nurwijayanti, Maya]]>;
<![CDATA[Santoso, Lukman]]>
<![CDATA[ El-Barka: Journal of Islamic Economics and Business Vol 1, No 2 (2018) ]]>
Publisher : <![CDATA[IAIN Ponorogo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21154/elbarka.v1i2.1451
<![CDATA[Abstract: Islamic banks with profit sharing systems have been designed to establish cooperation in bearing business risks and profit sharing between business owners (Shahibul Maal) and fund managers (mudarib). The bank under study is BNI Syariah. This study aims: 1) Knowing how the rating of Bank BNI Syariah's health level is reviewed from the Risk Profile in 2014-2017? 2) Knowing how to assess the soundness of Bank BNI Syariah in terms of Good Corporate Governance in 2014-2017? 3) Knowing how the rating of Bank BNI Syariah's health level is reviewed from Earnings in 2014-2017? 4) Knowing how the soundness rating of Bank BNI Syariah is reviewed from Capital in 2014-2017? This study uses a quantitative descriptive approach, the data collection techniques used are documentation techniques. The method of data analysis uses the RGEC method. The data is taken from the published annual financial reports at BNI Syariah. The analysis results obtained by the Risk Profile Level on BNI Syariah in 2014-2017 are "Adequate". The level of Good Corporate Governance (GCG) of BNI Syariah in 2014-2017 was ranked second in line with the criteria of "good", based on the results of bank BNI Syariah self assessment obtained from the corporate governance report. Level of Earnings (Rentability) in BNI Syariah Year 2014-2017 is "Adequate". Capital Level at BNI Syariah in 2014-2017 is "Very Adequate". Keywords: Risk Profile, Good Corporate Governance, Earnings, Capital ??????: ???????? ????????? ?? ???? ????? ?? ?????? ??? ???? ??????? ????????? ?? ????? ?????? ????????? ???? ????? ??? ?????? ??????? ?? ??? ????? ??????? ?? ????? ??????? ???????? ??????? ????? ??????? ???: ???? ????? ???? ????? ??????? ?? ??????? ? ??????? ????? ????? ?????? ????? ??? ????? ?????? ??? ??????? ?? ??? ??? ??????? ????? ??? ??????? ?? BNI Syariah ???? ??? ??????? ???: 1. ????? ??? ??? ????? ????? ????? ?? ??? BNI Syariah ?? ??? ??????? ?? 2014-2017?. 2. ????? ????? ????? ????? ??? BNI Syariah ?? ??? ????? ??????? ?????? ?? 2014-2017?.3 . ????? ??? ??? ????? ????? ????? ?? ??? BNI Syariah ?? ??????? ?? 2014-2017?.4 . ????? ??? ??? ????? ????? ????? ??? BNI Syariah ?? ??? ????? ?? 2014-2017?. ?????? ??? ??????? ?????? ?????? ?????? ??????? ??? ???????? ????????? ?? ?????? ???????. ????? ????? ???????? ????????? ?? ????? .RGEC???????? ????????? ???? ?? ???????? ??????? ??????? ??????? ?? ??? BNI Syariah. ?? ????? ??????? ???? ?? ?????? ????? ????? ??????? ??????? ?? BNI Syariah ?? 2014-2017 ?? "?????". ??? ?? ????? ????? ????? ??????? ?????? (GCG) ?? BNI Syariah ?? 2014 ? 2015 ? 2016 ? 2017 ?? ??????? ??????? ??????? "????" ? ????? ??? ????? ??????? ?????? ????? ???????? ??????? ????????? ???? ?? ?????? ???? ?? ????? ????? ??????? ????? ??????? (???????? ?????????) ?? BNI Syariah ?? ??? 2014 ???? ? ?? 2015 ??? "????? "? ?? ??? 2016 ??? "?????"? ??? 2017 ??? "?????". ????? ??? ????? (??? ?????) ?? BNI Syariah ?? ??? 2014 ??? "????? ???"? ?? ??? 2015 ??? "????? ???"? ?? ??? 2016 ??? "????? ???"? ??? ??? 2017 ??? "????? ???". Abstrak: Bank syariah dengan sistem bagi hasil dirancang untuk terbinanya kebersamaan dalam menanggung risiko dan bagi hasil usaha antara: pemilik dana (shahibul maal) dengan pengelola dana (mudharib). Bank yang diteliti adalah BNI Syariah. Penelitian ini bertujuan: 1) Mengetahui bagaimana penilaian tingkat kesehatan Bank BNI Syariah ditinjau dari Risk Profile pada tahun 2014-2017? 2) Mengetahui bagaimana penilaian tingkat kesehatan Bank BNI Syariah ditinjau dari Good Corporate Governance pada tahun 2014-2017? 3) Mengetahui bagaimana penilaian tingkat kesehatan Bank BNI Syariah ditinjau dari Earnings pada tahun 2014-2017? 4) Mengetahui bagaimana penilaian tingkat kesehatan Bank BNI Syariah ditinjau dari Capital pada tahun 2014-2017? Penelitian ini menggunakan pendekatan deskriptif kuantitatif, teknik pengumpulan data yang digunakan adalah teknik dokumentasi. Metode analisis data menggunakan metode RGEC. Adapun datanya berasal dari laporan keuangan akhir tahun BNI Syariah yang dipublikasikan. Hasil analisis diperoleh Tingkat Risk Profile (Profil Risiko) pada BNI Syariah Tahun 2014-2017 adalah ?Memadai?. Tingkat Good Corporate Governance (GCG) BNI Syariah pada tahun 2014-2017 berturut-turut menempati peringkat 2 dengan kriteria ?baik?, berdasarkan hasil self assessment bank BNI Syariah yang diperoleh dari laporan tata kelola perusahaan. Tingkat Earnings (Rentabilitas) pada BNI Syariah Tahun 2014-2017 adalah ?Memadai?. Tingkat Capital (Permodalan) pada BNI Syariah Tahun 2014-2017 adalah ?Sangat Memadai?.]]>
<![CDATA[AMBIGUITAS HAK ATAS PERKAWINAN DAN KEBEBASAN BERAGAMA DALAM UNDANG-UNDANG NO.1 TAHUN 1974 ]]>
<![CDATA[Santoso, Lukman]]>;
<![CDATA[Fathuri, Hani Zain]]>
<![CDATA[ Al-Syakhsiyyah: Journal of Law & Family Studies Vol 1, No 1 (2019) ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Ponorogo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
<![CDATA[AbstractMarriage issues are always actual problems and are always interesting to talk about. There are many ways to get married, one of which happens in the followers of the Sapta Darma trust. Marriage is one of the rights guaranteed by the 1945 Constitution and several regulations regarding marriage in Indonesia. Article 28B paragraph 1 states that every person has the right to form a family and continue the descent through a legal marriage. As one of the basic human rights, the right to hold a marriage applies universally and is non-discrimination against citizens. The division of marital rights guarantees applies to several citizens, especially the stream of Defenders of the Trust. Law No. 1 of 1974 concerning marriages does not reflect justice for some citizens, the laws only favor the majority of religious groups, narrowing the meaning of trust that should exist and be recognized in the law.Keywords: Marriage, Belief of Trust, Law No. 1 of 1974. AbstrakPersoalan perkawinan adalah persoalan yang selalu aktual dan selalu menarik untuk diperbincangkan. ada banyak cara untuk melakukan perkawinan, salah satunya yang terjadi di penghayat kepercayaan Sapta Darma. Perkawinan merupakan salah satu hak yang dijamin oleh UUD 1945 dan beberapa regulasi tentang perkawinan di Indonesia. Pasal 28B ayat 1 dinyatakan bahwa setiap orang berhak membentuk keluarga dan melanjutkan keturunan melalui perkawinan yang sah. Sebagai salah satu hak asasi, hak untuk melangsungkan perkawinan berlaku secara universal dan non diskriminasi terhadap warga negara. Terbelahnya jaminan hak perkawinan ini berlaku pada beberapa warga negara khususnya aliran Penghayat Kepercayaan. Undang-undang Nomor 1 Tahun 1974 tentang perkawinan tidak mencerminkan keadilan bagi sebagian warga negara, undang-undang hanya memihak pada golongan mayoritas agama, mempersempit makna kepercayaaan yang seharusnya ada dan diakui keberadaanya dalam undang-undang. ]]>
<![CDATA[Pengaruh Religiusitas Terhadap Gaya Hidup Konsumen Muslim Di Ponorogo ]]>
<![CDATA[Miatun, Sumbu Latim]]>;
<![CDATA[Santoso, Lukman]]>
<![CDATA[ SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 2 No 2 (2020) ]]>
Publisher : <![CDATA[LPMP Imperium ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (69.742 KB)
|
DOI: 10.36407/serambi.v2i2.181
<![CDATA[Purpose- This study aims to determine the effect of religiosity on the lifestyles of Muslim consumers Artomoro stores in Ponorogo. Methods- A total of 97 Muslim consumer respondents at the Artomoro store in Ponorogo were sampled. Sampling uses the Purposive Sampling method, then the data is processed using SPSS 16.0. Data collection instruments using a questionnaire with a Likert scale that has been tested and has met the requirements of validity and reliability. The analytical method used to determine the magnitude of the effect is a simple linear regression. Findings- The results of the study concluded that there is a positive and significant influence between religiosity on lifestyle. The results showed that there was a significant influence of religiosity on the lifestyle of Muslim consumers in Artomoro shops in Ponorogo by 9.9% and the remaining 90.1% was influenced by other variables not discussed in this study.]]>
<![CDATA[Pengembangan Tata Kelola Wakaf Berbasis Korporasi Di Asia Tenggara/Development The Governance of Corporate-Based Waqf In South East Asia ]]>
<![CDATA[Huda, Miftahul]]>;
<![CDATA[Noviana, Lia]]>;
<![CDATA[Santoso, Lukman]]>
<![CDATA[ De Jure: Jurnal Hukum dan Syari'ah Vol 12, No 2 (2020) ]]>
Publisher : <![CDATA[Fakultas Syariah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.18860/j-fsh.v12i2.3908
<![CDATA[Abstract:Waqf is still interesting to do a study. Apart from being a form of worship to Allah SWT, waqf is also an instrument of welfare for Muslims. The object of waqf continues to expand. One model of the object of waqf in Muslim countries is the company akaf. This study aims to describe the management and ways of developing corporate waqf in Malaysia and Singapore. This governance is then used as material for the development of corporate waqf in Indonesia. This article is the result of a doctrinal law research with a comparative approach. The results of this study indicate that the company-based waqf concept in Indonesia needs to be developed transformatively. As practice in Malaysia and Singapore. So that it can be an instrument in improving the welfare of the people in a sustainable manner. The formulation of a corporate waqf legal development model in Indonesia needs to be adjusted and strengthened. Regulators as well as an integrative and holistic understanding of the ulama. So that company waqf can be a strategic alternative in an effort to accelerate national economic development.Keywords: waqf, south east Asia, welfare.Abstrak:Wakaf masih menarik untuk dilakukan kajian. Selain merupakan bentuk ibadah kepada Allah SWT, wakaf juga merupakan instumen kesejahteraan bagi umat Islam. Objek wakaf terus mengalami perluasan. Salah satu model objek wakaf di negara-negara muslim adalah wakaf perusahaan. Penelitian ini bertujuan untuk mendeksripsikan pengelolaan dan cara pengembangan wakaf perusahaan di Malaysia dan Singapura. Tata kelola ini kemudian dijadikan bahan pengembangan wakaf perusahaan di Indonesia. Artikel ini merupakan hasil penelitian hukum doktrinal dengan pendekatan perbandingan. Hasil kajian ini menunjukkan bahwa konsep wakaf berbasis perusahaan di Indonesia perlu dikembangkan secara transformatif. Sebagaimana praktik di Malaysia dan Singapura. Sehingga dapat menjadi instrumen dalam meningkatkan kesejahteraan umat secara berkelanjutan. Rumusan model pengembangan hukum wakaf perusahaan di Indonesia perlu disesuaikan dan dikuatkan. Pemangku regulasi sekaligus pemahaman yang integratif dan holistik di kalangan ulama. Agar wakaf perusahaan dapat menjadi alternatif strategis dalam upaya percepatan pembangunan ekonomi nasional.Keywords: wakaf; asia tenggara; kesejahteraan.]]>
<![CDATA[BATASAN KEBEBASAN BERKONTRAK DALAM KONTRAK KONVENSIONAL DAN KONTRAK SYARIAH ]]>
<![CDATA[LUKMAN SANTOSO, NI'MATUL KHOIRIYAH]]>
<![CDATA[ Ahkam: Jurnal Hukum Islam Vol 5 No 1 (2017) ]]>
Publisher : <![CDATA[IAIN Tulungagung ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21274/ahkam.2017.5.1.41-59
<![CDATA[This article aims to examine the limitations of the freedom of contract in conventional contract and Islamic contracts. In an agreement which establishes the basic principles of an agreement, the pacta sunt servanda principle, which has the sense that the agreement should be implemented by the parties to an agreement. And in an agreement there is a basis which is often used in a treaty as the basis of freedom of contract which provides for the freedom to determine whether someone will do or not do anything, with anyone one would conclude an agreement, as well as the content and form of an agreement. Freedom in the agreement does not mean freedom from regulation that applies. Independent free here means that it still remains under the control of law and norms applicable in a conventional agreement or treaty law. So that the agreement made by the parties do not violate the terms and conditions of existing agreements.Keywords: Kebebasan Berkontrak, Kontrak Konvensional, Kontrak Syariah]]>
<![CDATA[KOMPARASI SYARAT KEABSAHAN “SEBAB YANG HALAL” DALAM PERJANJIAN KONVENSIONAL DAN PERJANJIAN SYARIAH ]]>
<![CDATA[Tri Wahyu Surya Lestari]]>;
<![CDATA[Lukman Santoso]]>
<![CDATA[ YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Vol 8, No 2 (2017): Yudisia ]]>
Publisher : <![CDATA[Program Studi Hukum Keluarga Islam ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21043/yudisia.v8i2.3240
<![CDATA[Social relation is a basic need for human beings in the society. Since members of the society are coming from various backgrounds, there should be rules or regulations to be followed by the members of the society. The rules aim at creating safety and comfort in the society and also maintaining a good and harmonious social relation. One of the rules is agreement. There are 3 sub-systems of law in Indonesia i.e. Western Law, Customary Law and Islamic Law. Prior to an agreement, there are requirements needed to be fulfilled so the agreement can be effective as a rule. One of the requirements is “legal cause” which should be studied further by each side due to some differences in conventional agreement and agreement based on Islamic Law in order to prevent unnecessary misunderstanding.]]>
<![CDATA[POLA PEMENUHAN HAK ASUH ANAK PADA KELUARGA BURUH MIGRAN INDONESIA: AN MAQASHID SHARIAH PERSPECTIVE ]]>
<![CDATA[Lukman Santoso]]>;
<![CDATA[Dawam Abror]]>
<![CDATA[ Al-Syakhsiyyah: Journal of Law & Family Studies Vol 2, No 1 (2020) ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Ponorogo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21154/syakhsiyyah.v2i1.2160
<![CDATA[ABSTRAK : Dalam institusi keluarga, pemenuhan hak-hak anak menjadi bagian urgen yang harus diperhatikan orang tua. Banyak kasus yang muncul di masyarakat bagaimana hak anak terabaikan karena berbagai faktor, semisal karena pekerjaan, kesibukan, kepentingan orang tua, dan bahkan ketika menjadi tenaga kerja di luar negeri. Penelitian ini bertujuan untuk mengeksplorasi tentang bagaimana pola pemenuhan hak asuh anak keluarga tenaga kerja Indonesia di Desa Madusari Ponorogo di tinjau dari perundang-undangan dan maqāṣid sharī’ah. Metode penelitian yang digunakan adalah metode penelitian kualitatif. Adapun teknik pengumpulan data adalah menggunakan teknik interview (wawancara), observasi dan kajian dokumen. Kesimpulan yang diperoleh sebagai temuan hasil penelitian yaitu: Pertama, pelaksanaan pemenuhan hak asuh anak dalam keluarga Tenaga Kerja Indonesia di Desa Madusari Ponorogo sebagian sudah terlaksana dan sebagian belum terlaksana dengan baik. Adanya dampak yang serius terhadap anak yang ditinggal pergi menjadi Tenaga kerja Indonesia. Walaupun kebutuhan anak tercukupi tetapi hal lain seperti masalah pendidikan anak masih belum terpenuhi dengan baik yang berakibat bagi masa depan sang anak yang kurang baik. Kurangnya kasih sayang dari orang tuanya langsung menyebabkan anak kurang diperhatikan. Hal ini sangat berdampak bagi karakter anak yang cenderung mengarah pada prilaku negatif. Kedua, pelaksanaan pemenuhan hak asuh anak dalam keluarga Tenaga Kerja Indonesia di Desa Madusari Ponorogo secara umum masih belum semuanya terpenuhi. Memelihara segala sesuatu yang bersifat pokok (ḍaruriyyah) sesuai dengan tujuan hukum Islam yaitu memelihara agama (ḥifḍ ad-dīn), memelihara jiwa (ḥifḍ an-nafs), memelihara akal (ḥifḍ al-ʻaql), memelihara keturunan (ḥifḍ an-nasb), memelihara harta (ḥifḍ al-māl) yang kesemua itu merupakan bagian dari maqāṣid al-sharī’ah masih ada yang terabaikan. Hal ini sangat berpengaruh bagi kemaslahatan anak. Hal ini dapat membahayakan bagi prilaku anak yang akan menimbulkan kemadharatan bagi masa depan anak.]]>
<![CDATA[Transformasi Negosiasi Dalam Penyelesaian Sengketa E-Commerce Di Era Digital ]]>
<![CDATA[Ikhwan Fuad Ahsan]]>;
<![CDATA[Lukman Santoso]]>
<![CDATA[ Istinbath : Jurnal Hukum Vol 16 No 2 (2019): Istinbath : Jurnal Hukum ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Metro ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (692.398 KB)
|
DOI: 10.32332/istinbath.v16i2.1703
<![CDATA[E-commerce merupakan bentuk transaksi perdagangan yang timbul akibat kemajuan ilmu pengetahuan dan teknologi. Perkembangan e-commerce di Indonesia juga menimbulkan masalah-masalah yang baru. Dari data YLKI, didapati bahwa pengaduan terhadap e-commerce menempati peringkat ketiga dari 781 pengaduan langsung dan 1.038 pengaduan melalui telepon. Di mana salah satu permasalahan utamanya adalah penyelesaian sengketa. Peraturan perundang-undangan di Indonesia tidak mengatur secara khusus mengenai cara penyelesaian sengketa e-commerce. Sehingga para pihak memiliki kebebasan dalam memilih penyelesaian sengketa berdasarkan asas kebebasan berkontrak. Negosiasi merupakan penyelesaian sengketa yang paling dasar yang dilakukan tanpa adanya pihak ketiga. Sehingga rahasia para pihak tetap terjaga. Namun dalam e-commerce dimungkinkan para pihak berada di tempat yang jauh di mana membutuhkan biaya dan waktu yang cukup banyak untuk melakukan pertemuan dan negosiasi langsung. Sedangkan dalam negosiasi online tidak terhalang oleh tempat, batas waktu dan biaya. Para pihak hanya dituntut untuk melakukan penawaran dan permintaan secara online dalam menentukan penyelesaian sengketa yang dipilih. Efektifitas dan efiensi begitu nampak dalam negosiasi online. Namun dalam negosiasi online tidak ada sentuhan kemanusiaan sehingga tidak ada aspek emosional antara para pihak yang memberikan kesan yang berbeda.]]>
<![CDATA[Pemenuhan Hak Anak Pasca Perceraian Perspektif Hukum Positif dan Teori Tujuan Hukum Gustav Radbruch ]]>
<![CDATA[Kanifah, Anisa Nur]]>;
<![CDATA[Santoso, Lukman]]>
<![CDATA[ Al-Syakhsiyyah: Journal of Law & Family Studies Vol. 6 No. 1 (2024) ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Ponorogo ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.21154/syakhsiyyah.v6i1.9128
<![CDATA[This research began with the problem of providing children with post-divorce rights which were not fulfilled by both parents. The aim of this research is to see the extent to which children's rights after divorce are implemented. This research is a type of qualitative field research. The approach used is normative juridical with a type of clinical research. The findings of this research show that explaining children's rights after divorce in Bekiring Village, Pulung District, Ponorogo Regency from a positive legal perspective, of the 6 (six) residents who were used as informants in the parenting aspect, two informants were in compliance while the other four were not. The aspect of paying for a living (father) has been fulfilled by the father with all his efforts, but one informant enjoys the living carried out by the mother. Aspects of caring for children who are not mumayyiz yet with their mother, one is suitable while the other five are in the care of the father. Furthermore, the implementation of positive law regarding the granting of children's rights after divorce in Bekiring Village, Pulung District, Ponorogo Regency, from the perspective of Gustav Radbruch's theory of legal objectives, in the aspect of legal justice regarding children who have the right to choose to live with their father/mother has not been implemented. In the aspect of legal benefits, some of it has been implemented, but regarding the care of children who are not yet mumayyiz, it has not been implemented well. While the aspect of legal certainty has not been implemented well, the value of certainty in obtaining support from the father has been implemented.]]>
<![CDATA[ARM TRUSTZONE AS A SECURITY FOR USER INTERACTION ON THE MOBILE PLATFORM ]]>
<![CDATA[Lukman Santoso]]>;
<![CDATA[Moh Muthohir]]>;
<![CDATA[Ahmad Ashifudin Aqham]]>
<![CDATA[ Journal of Engineering, Electrical and Informatics Vol 2 No 2 (2022): Juni: Journal of Engineering, Electrical and Informatics: ]]>
Publisher : <![CDATA[Pusat Riset dan Inovasi Nasional ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.55606/jeei.v2i2.911
<![CDATA[Smartphones have become an important part of human life until now, apart from making phone calls and other communication functions, smartphones are also used as tools for shopping, conducting banking transactions, and so on. This makes security Software on smartphones becoming more critical. trust execution environment technology was popularized to support care for users if the Operation System is compromised namely trust execution environment ARM TrustZone. This research focuses on User-Interaction and Input/Output audio input user interaction channels and proposes an application-transparent solution to keep the user communication strategy on mobile platforms using ARM TrustZone. This research advantage the ARM TrustZone to bring a defended architecture for User Interface input for user interaction channels (T-User-Interaction) and Audio-Input/Output for VoIP calls (T-VoIP-C). The main objective is to establish that the architecture is clear for cellular utilization. All along trust execution environment-established research, one of the critical objections faced was the ability to safely prototype designs. In a trust execution environment study, it is generally necessary to cross hardware factors with the trust execution environment-Operation System, which could be impressive for non-hardware specialists, conditional on the base applicable from trust execution environment Operation System vendors. This research considers a simulation-based model (T-simulation) that cuts down the composition time and hardware background appropriate to frame a hardware situation for expectation execution situation prototyping.]]>
