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Implementasi Akad Mudharabah dalam pembiayaan Kepemilikan Rumah (KPR) Pada PT. Bank BRISyariah KCP Jombang Qomar, Moh. Nurul; Rafiqo, Tria Hidaya
MALIA: Journal of Islamic Banking and Finance Vol 3, No 1 (2019)
Publisher : MALIA: Journal of Islamic Banking and Finance

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Mudharabah Sebagai Produk Pembiayaan Perbankan Syariah Perspektif Abdullah Saeed Qomar, Moh. Nurul
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i2.4890

The aim of this research is to explore Abdullah Saeed's views on the practice of mudharabah contracts in Islamic banking. This research uses library research method and use a research to life history approach. Saeed's findings in the practice of mudharabah contracts in Islamic banking have constraints starting from capital, management, the validity period of contracts, guarantees, profit and loss principles that are different from the concept of mudharabah that develops in the science of fiqh. Abdullah Saeed concluded that the mudharabah contract in Islamic banks was different from the mudharabah contract that developed in the science of fiqh.

Mudharabah Sebagai Produk Pembiayaan Perbankan Syariah Perspektif Abdullah Saeed Qomar, Moh. Nurul
MALIA: Journal of Islamic Banking and Finance Vol 2, No 2 (2018)
Publisher : MALIA: Journal of Islamic Banking and Finance

The aim of this research is to explore Abdullah Saeed's views on the practice of mudharabah contracts in Islamic banking. This research uses library research method and use a research to life history approach. Saeed's findings in the practice of mudharabah contracts in Islamic banking have constraints starting from capital, management, the validity period of contracts, guarantees, profit and loss principles that are different from the concept of mudharabah that develops in the science of fiqh. Abdullah Saeed concluded that the mudharabah contract in Islamic banks was different from the mudharabah contract that developed in the science of fiqh.

Perlukah E-Wallet Berbasis Syariah? Nuha, Ulin; Qomar, Moh. Nurul; Maulana, Rafika Anissa
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8449

The purpose of this research is to find out about the transaction system in digital wallets (e-wallets) associated with the wadiah yad dhomanah contract in the study of muamalah fiqh. Whether the transaction is in accordance with the principles of Islamic finance so that it creates peace for Muslims in using the application.Digital payments are currently a public need along with the development of information technology in particular. This is evidenced by the non-cash payment innovation. This innovation in Indonesia was formally carried out by Bank Indonesia through the National Non-Cash Movement (GNNT) in 2014. This movement aims to increase public awareness of the use of non-cash instruments so that a community that uses cashless instruments is gradually formed (cashless). society).The technology cashless society clearly plays an important role in encouraging the consumption of Indonesia's middle class to be more consumptive. The presence of electronic money is one way to encourage people to become consumptive. The touch of technology in consumption through electronic money has provided a new color in interpreting consumption. Consumption does not only use its utility function to spend but also an identity function that needs to be fulfilled. Non-cash payment innovation in Indonesia continues to grow, along with the rise of financial technology (fintech) products in the form of digital wallets (e-wallets) such as Go-Pay, OVO, Dana, LinkAja, Paytren, and so on.

Perlukah E-Wallet Berbasis Syariah? Nuha, Ulin; Qomar, Moh. Nurul; Maulana, Rafika Anissa
MALIA: Journal of Islamic Banking and Finance Vol 4, No 1 (2020)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v4i1.8449

The purpose of this research is to find out about the transaction system in digital wallets (e-wallets) associated with the wadiah yad dhomanah contract in the study of muamalah fiqh. Whether the transaction is in accordance with the principles of Islamic finance so that it creates peace for Muslims in using the application.Digital payments are currently a public need along with the development of information technology in particular. This is evidenced by the non-cash payment innovation. This innovation in Indonesia was formally carried out by Bank Indonesia through the National Non-Cash Movement (GNNT) in 2014. This movement aims to increase public awareness of the use of non-cash instruments so that a community that uses cashless instruments is gradually formed (cashless). society).The technology cashless society clearly plays an important role in encouraging the consumption of Indonesia's middle class to be more consumptive. The presence of electronic money is one way to encourage people to become consumptive. The touch of technology in consumption through electronic money has provided a new color in interpreting consumption. Consumption does not only use its utility function to spend but also an identity function that needs to be fulfilled. Non-cash payment innovation in Indonesia continues to grow, along with the rise of financial technology (fintech) products in the form of digital wallets (e-wallets) such as Go-Pay, OVO, Dana, LinkAja, Paytren, and so on.

Keputusan Santri Dalam Membeli Di Online Shop: Antara Lifestyle, Trust Dan Price Umma, Eri Shofa Rohmatul; Qomar, Moh. Nurul; Arifin, Jaenal
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 5 No 02 (2020): Desember
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v5i02.1119

This study aims to determine the influence of Lifestyle Trust and Prices on Purchasing Decisions in Onlineshop at Raudlatul Falah Islamic Boarding School Students in Pati Patis. This type of research is quantitative, with a total sample of 81 respondents. Data analysis techniques include validity test, reliability test, classic assumption test, multiple linear regression analysis, coefficient of determination, and t- test. The results of this study indicate that lifestyle and trust have a positive and significant effect, while price does not significantly influence purchasing decisions online at Raudlatul Falah boarding school students in Gembong Pati. With a lifestyle significance test of 0, 000 with a t- count of 6. 374, a significance level of confidence of 0. 002 with a t- count of 2. 350, and a price significance level of- 0. 786 with t- count of- 0. 273. It can be concluded that H1 and H2 in this study were accepted and H3 was rejected.

Trust, waqf literacy and cash waqf intention in Islamic boarding schools: A theory of planned behavior Qomar, Moh. Nurul; Ratnasari, Ririn Tri; Hasyim, Fuad; Hidayati,; Putra, Trisno Wardy
al-Uqud : Journal of Islamic Economics Vol. 8 No. 1 (2024): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v8n1.p109-123

This research aimed to explore the factors influencing individuals' inclination to contribute funds as waqf to Islamic boarding schools in Indonesia. Additionally, the Theory of Planned Behaviour (TPB) was used as the conceptual framework to analyse human behaviour. In this context, trust and waqf literacy were evaluated and identified as determinants of cash waqf intention. The partial least squares structural equation modelling (PLS-SEM) method was used to completely analyse and assess the model. Meanwhile, the questionnaires were distributed electronically to 436 respondents in Indonesia. The results showed that subjective norms, trust, and waqf literacy had a direct effect on attitudes. However, these variables did not have a direct impact on the intention to donate cash waqf in Islamic boarding schools. Attitudes did not influence the intention to donate cash waqf while perceived behavioural control (PBC) had a substantial impact on the variable.

Resilience of Islamic and conventional stocks to geopolitical conflict: A GARCH model analysis Hasyim, Fuad; Qomar, Moh. Nurul; Saleh, Husny Gibreel Musa
Asian Journal of Islamic Management (AJIM) VOLUME 6 ISSUE 2, 2024
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol6.iss2.art4

Purpose – This study examines the volatility behavior and resilience of conventional and Islamic stock indices in Indonesia during periods of geopolitical uncertainty, focusing on the Israeli–Palestine conflict.Methodology – This study employs the GARCH(1,1) model to examine the volatility dynamics of four major stock indices: the Jakarta Composite Index (JKSE), LQ45, the Indonesia Sharia Stock Index (JKISSI), and the Jakarta Islamic Index (JII). The analysis covers the period from January 1, 2023, to July 31, 2024, enabling an evaluation of market dynamics before, during, and after the conflict on October 7, 2023.Findings – The results show that conventional indices (JKSE and LQ45) exhibit significant volatility persistence, suggesting a higher susceptibility to prolonged instability during geopolitical tensions. Conversely, the Islamic indices (JKISSI and JII) are more responsive to recent market shocks, indicating greater resilience owing to ethical investment principles that avoid high-risk sectors. Furthermore, this study finds that external macroeconomic factors generally do not significantly influence stock market volatility in Indonesia.Implications – This may be due to the predominance of internal factors and local market dynamics over external global shocks, reflecting the Indonesian market’s less integrated nature in the global financial system. These findings offer valuable insights for investors and policymakers in managing risk and optimizing portfolio strategies amid geopolitical stress.Originality – This study contributes to the growing body of literature on the comparative analysis of conventional and Islamic investments in emerging markets.

Pengaruh Risiko Kredit dan Bank Size Terhadap Profitabilitas Bank Umum Syariah milik BUMN di Indonesia Sebelum Merger Muttaqin, Ibnu; Qomar, Moh. Nurul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i1.2813

The objective of the research is to discuss the relationship between the internal factors of bank profitability of Islamic commercial banks belonging to State-Owned Enterprises (BUMN) in Indonesia before the merger. The independent variables are credit risk which is represented by non-performing loan and loan loss provision and bank size, with the dependent variable is bank profitability using two proxies return on asset and return on equity. This study uses secondary data from quarterly reports with population data before 2020 (before the merger). The sample used the purposive sampling method from 2016 to 2020, to obtain 60 data. This study uses panel data analysis. The results show that NPL has a significant negative effect on profitability both ROA and ROE, while LLP has no effect on profitability both ROA and ROE, bank size has a significant negative effect on ROA but has no effect on ROE

Islamic Corporate Governance in Social Fund Management Center (PUSPAS): Modernization of Waqf Social Fund Management Hidayah Islamiah, Makrufah; Qomar, Moh. Nurul; Harahap, Arridha; Hidayati, Athi'
Management of Zakat and Waqf Journal (MAZAWA) Vol. 4 No. 2 (2023): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2023.4.2.186-199

Nowadays, problems of social organization include; weaknesses of management and professionalism, operational cost is low, some people consider it is not a good job, and many more. The gap between expectations and the reality of fund management in social organization requires innovative breakthroughs in the governance system with the implementation of Sharia values in it. In this case, the existence of the Social Fund Management Center (PUSPAS) Airlangga University is needed to maintain the pillars of the economy. This research make an analysis of the practice of Islamic Corporate Governance (ICG) at the Social Fund Management Center (PUSPAS) Airlangga University Surabaya. This research used quasi-qualitative methods. This method became part of post-positivism. Result of this research practice of Islamic Corporate Governance in Ailangga University Surabaya had been used tawhid, syura’, ‘adalah, ihtisab, and universality. For futher research, research can investigate in other public or private facility such as ministry office or corporate.

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