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TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK BAGI HASIL PERTANIAN (MUKHABARAH) DI DESA KEBONDALEM KECAMATAN MOJOSARI KABUPATEN MOJOKERTO Amanto, Sudrajat; Yasin, Ach
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 2 (2022): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (767.798 KB) | DOI: 10.26740/jekobi.v5n2.p199-212

Abstract

Cooperation with a profit-sharing system is considered more profitable than a rental system, both for landowners and farmers. The people of the Mojosari sub-district did not clearly say that the contract they were carrying out was mukhabarah. The purpose of this study was to find out the practice of sharing agricultural products (mukhabarah), a review of Islamic law and the reasons why the villagers of Kebondalem cooperate for agricultural products (mukhabarah). This type of research is qualitative. The subject of this research is the owner of the field and the farmer/farm laborer or cultivator. Based on these criteria, five research subjects were found. Informant retrieval technique using purposive sampling technique. Data collection techniques used are observation, interviews and documentation. Data analysis in this study refers to the interactive analysis model proposed by Huberman and Miles. The results showed that The practice of agricultural production sharing (mukhabarah) in Kebondalem Village with a production sharing agreement with the maro system (half) and the 30/70 system, namely 30% for land owners and 70% for small farmers. The review of Islamic Economics in the application of profit sharing which is carried out daily with the mukhabarah system in the village of Kebondalem, Mojosari District, Mojokerto Regency which has not been fully carried out based on existing Islamic rules, but they use it according to the habits of the local community, namely by not specifying the period of validity. mukhabarah contract and the distribution of the results in accordance with the agreement of the land owner with the tenant farmer only. The mukhabarah transaction process carried out in the village of Kebondalem can be categorized as a valid cooperation because it contains the principle of muamalah, namely the existence of an element of mutual willingness and is a custom that does not conflict with the Qur'an and Hadith and does not contain any harm. The aspect of justice that occurs in the practice of profit sharing in the village of Kebondalem is not very visible, because both parties are mutually pleased, understand each other and are considerate of each other.
Analisis Pengelolaan Dana Zakat Produktif Dalam Memberdayakan UMKM Pada Lazis Muhammadiyah (LAZISMU) Kabupaten Lamongan Mahmudah, Latifatul; Yasin, Ach
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 2 (2022): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (750.174 KB) | DOI: 10.26740/jekobi.v5n2.p119-130

Abstract

LAZISMU Lamongan Regency has a goal to assist the government in improving welfare and independence in the community. Since the year of its establishment until now, LAZISMU Lamongan Regency has an independent business program with the concept of providing business capital assistance to mustahiq. LAZISMU Lamongan Regency in implementing an independent business program by providing business assistance capital to MSME actors in Lamongan Regency who need additional funds for business capital. The purpose of this study is to see the zakat fund collection system carried out by LAZISMU Lamongan Regency and to find out the empowerment of MSMEs carried out by LAZISMU Lamongan Regency. Theiresearch methode used is descriptiveiqualitative. The resultsiof the study stated that the management of zakat in LAZISMU, Lamongan Regency was in accordance with sharia principles. Fundraising is done through two systems, namely direct and indirect. Zakat funds that have been collected will then be distributed according to asnaf. Management of zakat funds uses management principles, namely planning, organizing, mobilizing, and supervising. The distribution of zakat funds at LAZISMU Lamongan Regency is carried out using two types of distribution, namely traditional consumptive and creative productive. The empowerment carried out by LAZISMU in Lamongan Regency is in the form of counseling and mentoring with the aim of developing the knowledge and skills possessed.  
Analisis Hukum Islam Terhadap Pinjaman Uang Elektronik Shopee Paylater Pada Marketplace Shopee Ananda, Amtricia; Yasin, Ach
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 2 (2022): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (761.82 KB) | DOI: 10.26740/jekobi.v5n2.p131-144

Abstract

One form of technological development is the existence of Shopee Paylater which provides convenience in shopping with a buy now pay later system. However, people are still unsure about using it, whether the transaction is allowed in Islam or not. This study aims to identify and analyze the practice of using Shopee Paylater as well as a review of Islamic law on Shopee Paylater electronic money loans on the Shopee marketplace. The method used is descriptive qualitative research where the author describes the practice of using Shopee Paylater electronic money which is then studied from the point of view of Islamic law. The results of this study explain that the practice of using Shopee Paylater is not in accordance with sharia principles so it is not allowed because there are several provisions that contain usury with additional payments and fines due, and there are several elements that contradict the DSN-MUI Fatwa No: 116/DSN- MUI/IX/2017 include the use of electronic money obtained by not making a deposit first but in the form of a loan given in the form of a limit, while the limit obtained cannot be disbursed in physical form, and there is usury in it. The use of additional fees or usury can be avoided by using an ijarah contract as a form of application rental fees.
Pengaruh Pembiayaan Mikro terhadap Perkembangan UMKM Nasabah BSI KCP Mojopahit 2 Rachmawati, Desy Wulan; Yasin, Ach
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 2 (2022): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (779.497 KB) | DOI: 10.26740/jekobi.v5n2.p145-156

Abstract

The development of MSMEs in Indonesia is not free from problems, some of the problems generally experienced by MSMEs are limited sources of capital, the difficulty of raw materials that are affordable but of high quality, limited knowledge and technology, market and marketing information, and the quality of human resources. However, most of the problems faced by MSMEs have serious problems in terms of funding or capital which are difficult to obtain so that MSMEs cannot develop a larger market. From these various problems, Bank Syariah Indonesia launched a micro financing program which is capital or investment aimed at micro, small, and medium enterprises in the productive business sector. The purpose of this research is to see and determine the effect of microfinance on the development of MSME customers of BSI KCP Mojopahit 2. The type of research used in this study is quantitative research whose data is obtained from microfinance customers of BSI KCP Mojopahit 2 for the 2022 period. The results of this study indicate that the variable X has an effect on the Y variable. Micro-financing has a positive and significant effect on the development of MSME customers of BSI KCP Mojopahit by 0.292. So, if microfinance increases, the development of MSMEs also increases.
Analisis Kinerja Keuangan Koperasi Republik Indonesia (KPRI) Kantor Kementerian Agama Kabupaten Gresik Tahun 2018-2020 Latifah Wulandari, Fanny; Yasin, Ach
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 3 (2022): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (660.235 KB) | DOI: 10.26740/jekobi.v5n3.p155-167

Abstract

This study was conducted to determine the financial performance of the Republic of Indonesia Cooperative (KPRI) Makmur Office of the Ministry of Religious affairs of Gresik Regency in 2018-2020 using financial ratio analysis. In this research, the data used primary data and secondary data obtained based on the financial statements of KPRI Makmur in 2018 - 2020. Data analysis used descriptive quantitative method, which is studied using financial ratio analysis (Liquidity Ratio, Profitability Ratio, & Solvency Ratio) based on the Decree of the State Minister of Cooperatives & KUKM No.06/Per/M/KUKM/V/2006 concerning health assessment standards. The following is the calculation of the Liquidity Ratio (Current Ratio = 2018 as much as 403.10%, in 2019 as much as 344.64%, & in 2020 as much as 236.78%), Profitability Ratio (Return on Asset = year 2018 as much as 4.61%, in 2019 as much as 3.06%, & in 2020 as much as 2.60%), (Return on Equity = 2018 as much as 9.59%, in 2019 as much as 5. 96%, & in 2020 as much as 4.64%), & Solvency Ratio (Debt to Asset Ratio = 2018 as much as 51.98%, in 2019 as much as 48.58%, & in 2020 as much as 43.92%). From the study result, there was a decrease every year. Profitability Ratio showed the output of the ROA analysis was incuded in the criteria quite good & the output of the ROE analysis is included in the criteria was not good. Because the capital invested in KPRI Makmur wouldn’t made SHU as a result, the resulting output decreases in the output of profit (profit) obtained when measured according to KPRI Makmur's capital. However, the Liquidity & Solvency Ratio in KPRI Makmur was included by great criteria.
PENERAPAN MODEL UTAUT TERHADAP MINAT DAN PERILAKU MASYARAKAT KOTA SURABAYA MENGGUNAKAN MOBILE BANKING Printa Angelina, Yunika; Yasin, Ach.
Jurnal Ekonomika dan Bisnis Islam Vol 7 No 1 (2024): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v7n1.p18-30

Abstract

This research aims to analyze the application of the UTAUT model to the interests and behavior of BSI mobile banking users in the city of Surabaya. The research method applied is through a quantitative approach, with primary data collection through distributing questionnaires in the form of Google from. Samples were taken using a purposive sampling method with the criteria being residents of Surabaya City, aged between 17 and 60 years, and had used BSI mobile banking services. The implications of the research results show that constructs in the UTAUT model such as performance expectancy, effort expectancy, social influence have a significant influence on interest in using BSI mobile banking. Meanwhile, facilitating conditions and interest have a significant influence on BSI mobile banking usage behavior. By implementing the UTAUT model, understanding the interests and behavior of BSI mobile banking users can be done comprehensively.
CORPORATE GOVERNANCE, FINANCING RISK, SHARIAH COMPLIANCE DAN EARNING MANGEMENT TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA Hidayah, Syarifatul; Yasin, Ach
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n3.p244-257

Abstract

Islamic Commercial Banks are expected to carry out corporate, risk, compliance to improve the financial performance of Islamic Commercial banks in Indonesia. This study aims to determine whether there is an influence of corporate governance, financing risk, shariah compliance, and earning management on financial performance.  The research method used in the study is a quantitative approach with secondary data. Data was taken with purposive sampling technique. The results of this study indicate that corporate governance as measured by DPS and KA has no influence on financial performance. NPF affects the financial performance of Islamic Commercial Banks, FDR has no influence on financial performance. For shariah compliance, measurement using PSR shows influential results and IsIR has no influence on the financial performance of Islamic Commercial Banks in Indonesia. Meanwhile, earning management has no influence on the financial performance of Islamic Commercial Banks. So, with the results obtained from this research, Islamic Commercial Banks can pay more attention to the financing portolio, especially mudharabah and musyarakah financing, so that they can run more effectively and reduce losses in order to improve the bank’s overall financial performance.
PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PENINGKAAN DAN KEMANDIRIAN USAHA (Studi Kasus KSPPS BMT Nurul Jannah Gresik) Nur Muzayyanatul Hidayah; Ach. Yasin
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.9068

Abstract

Capital and lack of access to banks are problems often faced by MSMEs. So it is necessary to have the role of Islamic microfinance institutions in providing convenience for MSME actors through murabaha financing to improve their business. However, in maintaining or increasing the business, an attitude of independence is also needed, because with independence, MSME actors can survive and not depend on other people or financing. Therefore, this study aims to determine the effect of KSPPS BMT Nurul Jannah Gresik murabahah financing on the improvement and business independence of MSME actors. With the method used, namely a quantitative approach with simple random sampling technique, and the results obtained were 60 samples through the Slovin formula. The data was collected through a questionnaire, then analyzed using the Structural Equation Modeling (SEM) Partial Least Square (PLS) technique to test the measurement and structural models, with the analytical tool used, namely SmartPLS 3.0. This study provides the results that KSPPS BMT Nurul Janah Gresik murabahah financing has a significant effect on increasing business and business independence of MSME actors. This study provides implications for the research object institution to conduct market research regarding the margins charged on financing to customers by other institutions, because the amount of margin can be one of the determining factors for customers to choose the intended institution.
THE INFLUENCE OF KNOWLEDGE AND RELIGIOSITY ON HALAL SKINCARE BRAND PURCHASE DECISION: GENERATION Z PERSPECTIVE Nanda, Annisa Amalia Eka; Ridlwan, Ahmad Ajib; Yasin, Ach.; Nurafini, Fira
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 10 No. 12 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v10i12.7616

Abstract

The beauty industry is growing very rapidly in Indonesia in the market segment with a market volume of 3.16 USD in 2022 with Gen Z as the dominating market share that creates certain consumer behaviors that create purchasing decisions. This study aims to determine whether there is an influence of knowledge and religiosity on purchasing decisions mediated by attitude. The research method used in this study is a quantitative approach with primary data. The data collection technique used in this study is a data collection technique using questionnaires. The results of this study show knowledge and religiosity affected to purchasing decisions of halal avoskin beauty skincare products by Gen Z in Surabaya.
Analisa Kadar Kalori, Kadar Air, dan Masa Simpan dengan Menggunakan Teknologi Pengiris Guna Produktifitas Produk Keripik Singkong Handajani, Sri; Yasin, Ach; Basukiwardojo, Maria Monica Sianita; Kusumawati, Nita; Kurniawan, Muhammad Ridho Hafid; Rahayu, Nunik Tri; Estiningtyas, Indri Wasa
Abimanyu : Jornal of Community Engagement Vol 5 No 2 (2024): August 2024
Publisher : Universitas Negeri Surabaya

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

Abstract

Cassava can be processed into chips, which have a special appeal with their distinctive flavour and crunchy texture. Cassava chip production creates profits for cassava farmers and is a major industry in some regions. Improving product quality involves various control measures, including handling and packaging of the final product. The frying and draining process is an important factor in extending the shelf life and inhibiting oxidation of a product. The purpose of this study was to determine the effect of the use of appropriate technology (TTG) draining machines on the nutrition and shelf life of cassava chips products. The results showed that the total fat, saturated fat, protein and carbohydrate content of cassava chips products as a result of TTG were 4.91%; 2.26%; 3.11%; 81.01%, respectively. The shelf life of the chips was 5.25 months (157.5 or 158 days). The results of the organoleptic test of cassava chips in terms of colour, aroma, texture and overall liking level received a positive response from the community, both teenagers and adults. The aspects of aroma, taste, texture and colour as well as the overall level of liking with a percentage level of 80% (seblak daun jeruk), 58% (fried chicken), 61% (rendang), and 56% (grilled chicken).
Co-Authors A'rasy Fahrullah Abiyyah Muhammad ADAM DAMANHURI Ahmad Ajib Ridlwan Ahmad Ajib Ridlwan Akhlis Fatikhul Islam Akhmad Syaiful Ghifari Al Baqiyyatus Sholihah, Milda Alvino Rezandy Alvino Rezandy Amanto, Sudrajat Ananda, Amtricia Andi Zamroni Azhar Andrian Dwi Andrian Dwi Rahmad Firdaus Angelo Zauqi Rafl Priambodo Anwar Adem Shikur Arifin, Irfan Athi` Hidayati Aulia Siska Puspita Dewi A’rasy Fahrullah Bagas Adiyaksa Wibawa Berlian Febrianti Billah, Arifah Bimantoro, Surya Ageng Chiquita Kumala Putri Subagjo Clarashinta Canggih Daffa Fadhillah Burhanudin Dardiri, Masyudan Dela Akira Rimadani Desnita Dwireni Devano Hayunda Fachrizal Dhini, Ulfa Rahma Diansyah, Ahmad Zubadar Oktorifal Durratul Haninda Is'ad Dwiarni, Aldavia Hesti Dzakiy Askhiya Erika Dewi Ari Mita Estiningtyas, Indri Wasa Eva Natasha Fadhillah S, Nurul Fahrullah, Farichah, Syayyidati Fikriyah, Ashfa Fikriyah, Khusnul Fitriah Dwi Susilowati Frihatmawati, Rizky Gladis Nabilah Widya Dana Hamzah Rabani, Muhammad Hendry Cahyono Hidayah, Syarifatul Hilda Monoarfa Himmatul kholidah Hujjatullah Fazlurrahman Ikhsanudin Sukron Imamuddin Imamuddin Imroatul Chasanah Imron Mustofa Intan Nurhasanah Irfan Ramis Kharisma, Ikke Kurniawan , Rahmat Kurniawan, Muhammad Ridho Hafid Ladi Wajuba Perdini Fisabilillah Lailatul Mufidah Larasati, Anita Latifah Wulandari, Fanny Leny Hikmah Rentiana Mahmudah, Latifatul Maria Monica Sianita Basukiwardojo Maulita Cahyani Moch. Khoirul Anwar Moch. Khoirul Anwar Monoarfa, Hilda Mubarok, Alrojak Muhammad Akbar Maulana Muhammad Andika, Muhammad Muhammad Fajar Wahyudi Rahman Muhammad Ferdiyansyah Muhammad Hamzah Rabani Muhammad Muhaemin Nanda, Annisa Amalia Eka Nita Kusumawati Nur Annisa Fitri Nur Muzayyanatul Hidayah Nurafini, Fira Nurillah, Shinta Lintang Nurwinsyah Rohmaningtyas Prabowo, Prayudi Setiawan Printa Angelina, Yunika Purnama, Andry Priyadharmadi Rachma Indrarini Rachma Indrarini Rachmawati, Desy Wulan Rahayu, Nunik Tri Ramadhina, R. Mekar Liza Ramdani Ramdani R Ramdani Ramdani Ridlwan, Ajib Riska Febriana Rizqi, Ahmad Fatkhur Robert Shobary Rosyadi, M. Syam’un Rusida, Desy Khoirur Sabana Nouvan Ilman Saifuddin, Muhammad Azhar Santi Ariyani Shikur, Anwar Adem Shinta Lintang Nurillah Sri Abidah Suryaningsih Sri Abidah Suryaningsih Sri Handajani Sri Herianingrum Sulistyowati Sulistyowati Tegar Qodri Nugroho Tika Widiastuti Tiwik Widyaningsih Ummah, Siti Safi'atul Wulandari, Sri Riski Yan Putra Timur Yati BT Samsuddin Yayuk Sri Rahayu Zulfa, Fina Lailiz