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All Journal Al-Musthofa: Journal of Sharia Economics Jurnal Ilmu Pendidikan Islam Al-Sharf: Jurnal Ekonomi Islam Maliyah : Jurnal Hukum Bisnis Islam Al-Muqaranah : Jurnal Perbandingan Mazhab dan Hukum Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) MASADIR: Jurnal Hukum Islam
Nur Faizah dan M. Shaiful Umam
Universitas Qomaruddin
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Ketahanan Bank Mandiri Syariah melalui Uji NPF dan ROA pada Periode Krisis Global Tahun 2008-2016 dari Dampak Pertumbuhan Ekonomi, Inflasi, dan Suku Bunga M. Shaiful Umam
Maliyah : Jurnal Hukum Bisnis Islam Vol. 9 No. 2 (2019): Desember 2019
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (871.794 KB) | DOI: 10.15642/maliyah.2019.9.2.150-177

Abstract

Bank Syariah Mandiri is a banking institution established by Bank Mandiri. This study aims to analyze the effect of economic growth, inflation, and interest rates on the flexibility of Bank Mandiri Syariah as measured by ROA (return on assets) and NPF (bad performance). This research is a quantitative study with the independent variables of economic growth, inflation and interest rates. The dependent variable is the return on assets (ROA) and risk of financing (no financing is made). The results of this study indicate that: (1) the variable Economic Growth Rate (IPI) has a negative effect on the Return on Assets (ROA) of Bank Syariah Mandiri for the period 2008-2016; The Bank's Return on Assets (ROA) during the period 2008-2016 had a negative impact; (2) The inflation rate (CPI) has a negative effect on the return on assets (ROA) of Bank Syariah Mandiri during 2008-2016; (3) Interest rates (SBI) have a negative effect on return on assets of Bank Syariah Mandiri during 2008-2016 (ROA) does not have a significant negative effect; (4) Economic growth rate (IPI) has a negative effect on non-performing financing (NPF) of Bank Syariah Mandiri from 2008 to 2016; (5) The inflation rate (CPI) has a negative effect on Bank Syariah Mandiri 2008 - Non performing financing (NPF) 2016 has a negative impact; (6) Interest rates (SBI) will not have a significant negative effect on the Non-Performing Loan (NPF) of Bank Syariah Mandiri for the period 2008-2016.
Masyarakat Islam Indonesia: Dalam Prespektif Subkultur Pesantren Nur Faizah dan M. Shaiful Umam
Jurnal Ilmu Pendidikan Islam Vol 21 No 1 (2023): Juni
Publisher : LPPM IAI QOMARUDDIN GRESIK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/jipi.v21i1.4047

Abstract

ABSTRAK Indonesia is a country with a majority Muslim population, and pesantren is one of the most important institutions in shaping the character and life of Indonesian society. In the perspective of the pesantren subculture, Indonesian society has a strong characteristic of deep religious culture, which originates from pesantren. Pesantren, which are spread throughout the archipelago, are the oldest educational institutions in Indonesia that teach religious values and shape the character of santri. Pesantren is a unique institution with a strong and ingrained characteristic in Indonesian Islamic society. The existence of pesantren in the social life of Indonesian Muslim society is different from the general way of life in this country. Therefore, pesantren must be present to respond to the situation and conditions of society that are faced with modernity issues, including the emergence of several transnational ideologies that seem to be contradictory to the character and disposition of pesantren. With a solid cultural foundation rooted in the traditions of the society itself, the Islamic religion taught in pesantren can be felt by all Indonesian people, not only by the santri community. The traditions that exist in pesantren are one of the most determining and influential factors in social change. Through traditions and education taught in pesantren, it is hoped to produce santri with a high level of nationalism awareness and prioritizing peace for the realization of a more prosperous and dignified Indonesia. Keywords: Indonesian Islamic Society, Subculture, Islamic Boarding School. ABSTRAK Indonesia merupakan negara yang mayoritas penduduknya Muslim, pesantren menjadi salah satu institusi yang sangat penting dalam membentuk karakter dan kehidupan masyarakat Indonesia. Dalam perspektif subkultur pesantren, masyarakat Indonesia memiliki ciri khas yang sangat kuat, yaitu adanya budaya religius yang mendalam dan ini berasal dari pesantren. Pesantren yang tersebar di pelosok nusantara merupakan lembaga pendidikan tertua di Indonesia yang mengajarkan nilai-nilai keagamaan dan membentuk karakter santri. Pesantren menjadi suatu institusi unik dengan ciri khas yang sangat kuat dan lekat dalam masyarakat Islam Indonesia. Eksistensi pesantren dalam kehidupan sosial masyarakat Islam Indonesia menjadi instansi kehidupan yang berbeda dengan pola kehidupan umum di negeri ini. Oleh sebab itu pesantren harus hadir untuk merespon terhadap situasi dan kondisi masyarakat yang dihadapkan pada isu-isu modernitas, termasuk munculnya beberapa ideologi transnasional yang terlihat bertentangan dengan karakter dan disposisi pesantren. Dengan adanya topangan budaya yang mapan dan berakar dari tradisi masyarakat sendiri, maka agama Islam yang diajarkan di pesantren bisa dirasakan masyarakat Indonesia seluruhnya tidak hanya pada kalangan santri saja. Tradisi yang ada dalam pesantren menjadi salah satu faktor yang sangat menentukan dan berpengaruh terhadap perubahan sosial. Melalui tradisi dan pendidikan yang diajarkan dalam pesantren, maka diharapkan bisa menghasilkan santri dengan kesadaran nasionalisme yang tinggi dan lebih mengedepankan perdamaian demi terwujudnya Indonesia yang lebih sejahtera dan bermartabat. Kata kunci: Masyarakat Islam Indonesia, Subkultur, Pesantren.
Penerapan Pembiayaan Perbankan Syariah dalam Pembangunan Industri Makanan Halal di Indonesia. Muhamad shaiful umam
MASADIR: Jurnal Hukum Islam Vol. 4 No. 01 (2024): APRIL 2024
Publisher : Universitas Kiai Abdullah Faqih (UNKAFA) Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33754/masadir.v4i01.1277

Abstract

This study examines the implementation of sharia banking financing in the development of the halal food industry in Indonesia. As the country with the largest Muslim population in the world, Indonesia holds significant potential for the growth of the halal food industry. Bank Syariah Indonesia (BSI) plays a crucial role in this sector by providing sharia-compliant financing that is free from interest (riba), gambling (gharar), and uncertainty (maysir). This financing not only supports halal food entrepreneurs in expanding their businesses but also ensures that all production processes adhere to halal integrity principles. Additionally, BSI contributes to the development of human resources through training programs that enhance industry capacity. The study finds that with the support of sharia financing and human resource development, BSI significantly contributes to improving the quality and quantity of halal food production, supporting the sector’s growth, and strengthening Indonesia’s position as a global hub for the halal food industry.
Analisis Risiko Akad Ijarah ‘Ala Al-Manfa’ah Alat Hiking dan Camping Pada Persewaan di Melirang Mountain Dian, Dian Safitry Safira Wulandari; Niswatun Hasanah; M. Shaiful Umam
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 1 (2024): September
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i1.2129

Abstract

Penelitian ini berjudul “Analisis Risiko Akad Ijarah ‘Ala Al-Manfa’ah Alat Hiking dan Camping Pada Persewaan di Melirang Mountain Bungah Gresik”. Tujuan penelitian ini adalah menganalisis implementasi akad ijarah ala al-manfa’ah dalam penyewaan alat hiking dan camping di Melirang Mountain, serta mengidentifikasi risiko-risiko yang muncul selama penggunaan alat oleh penyewa. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Data dikumpulkan melalui wawancara mendalam dengan pemilik usaha dan dokumentasi terkait perjanjian sewa. Hasil penelitian menunjukkan bahwa akad ijarah ala al-manfa’ah di Melirang Mountain telah sesuai dengan prinsip syariah, meskipun ada kendala dalam praktiknya. Risiko yang dihadapi termasuk kerusakan alat, keterlambatan pengembalian, dan kehilangan alat. Sanksi yang diberikan kepada penyewa beragam, sesuai dengan prinsip keadilan dalam ekonomi Islam.
Ikatan pernikahan: Menelusuri keseimbangan hak dan kewajiban antara suami dan istri Faizah, Nur; Umam, M. Shaiful
AL-MUQARANAH Vol 3 No 1 (2025): Vol 3 No 1 Februari 2025
Publisher : Prodi Perbandingan Madzab Fakultas Syari'ah Universitas Islam Zainul Hasan Genggong Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/jpmh.v3i1.516

Abstract

Marriage is a sacred bond between husband and wife that establishes a reciprocal relationship consisting of rights and obligations. This study aims to analyze the balance of rights and obligations between spouses in marriage from legal, religious, and social perspectives. Using a normative approach, the study examines how these rights and obligations are regulated in marriage law and religious values, as well as their implications for household harmony. The findings reveal that achieving a harmonious and sustainable marital relationship largely depends on a proportional understanding and balanced implementation of both parties' rights and responsibilities. This study also highlights the importance of communication and cooperation between husband and wife in fulfilling mutual responsibilities to achieve the goals of marriage.
Penetapan Imbalan dalam Sistem Samsarah pada Praktik Jual Beli Sapi Tinjauan Ekonomi Islam Linafsi, Muzahadatul; Hasanah, Niswatun; M. Shaiful Umam
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 1 (2025): 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.v8i1.3948

Abstract

This study aims to analyze the implementation of the samsarah system in the practice of buying and selling cattle in Petiyin Hamlet, Wadeng Village, Sidayu Subdistrict, Gresik Regency, and review the determination of compensation from an Islamic economic perspective. This research uses a qualitative approach with a field research method to explore data in depth. The results showed that the samsarah system facilitates cooperation between farmers, brokers, and buyers, with the brokers acting as liaisons. The determination of the reward is often based on the sincerity of the cattle owner after the sale, usually half of the profit from the sale of the cattle, although it is in line with sharia principles, but transparency and certainty need to be improved. This practice is generally in line with Islamic economic principles that emphasize justice, moral responsibility, and transparency, and does not contain elements of usury or gharar. This study concludes that the samsarah system has the potential to continue to be developed by paying attention to the principles of Islamic economics to make it more fair and transparent.
Analysis of The Role of Multi Jasa Sejahtera (MJS) Financing at KSPPS Bina Syari’ah Ummah East Java in Improving The Community Economy Afifah, Nur Fidiyatul; Umam, M. Shaiful; Fahim, Achmad
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12313

Abstract

The aims of this research is to analyze the role of MJS financing in improving the community’s economy, identify the factors influencing the selection of MJS financing, and examining the solutions for handling non performing financing at KSPPS Bina Syari’ah Ummah East Java. Then research is a field study with a qualitative approach, in wich primary and secondary data collected through observation, interviews, and documentation, and are analyzed descriptively. The results of the study indicate that MJS financing has a positive role in improving the community’s economy, especially as business capital, chosen due to factors such as motivation, needs, promotion, convenience, service, and low profit sharing, while non-performing financing is resolved through online reminders, direct visits, restructuring, and collateral protection if necessary.
Analysis of Non-Performing Financing Factors and Their Resolution at the Ar-Rizqiyah Women’s Cooperative in Abar-Abir Village Sholihah, Irmatus; Umam, M. Shaiful
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12373

Abstract

This study aims to analyze the factors contributing to non-performing financing and the resolution strategies implemented by the Ar-Rizqiyah Women’s Cooperative in Abar-Abir Village. The research employs a descriptive qualitative approach using field research methods. Data were obtained through direct observation, in-depth interviews with cooperative managers and members, and documentation. The results show that non-performing financing is caused by two main factors: internal factors such as weak feasibility analysis, limited managerial competence, and poor monitoring systems; and external factors such as borrowers' low commitment to repayment, misuse of funds, and business losses. Resolution strategies include preventive measures based on the 5C principles (Character, Capacity, Capital, Collateral, and Condition of Economy), as well as Sharia-based dispute resolution methods, including peaceful negotiation (al-Sulh), arbitration (at-Tahkim), and litigation (al-Qadha). In conclusion, the application of the 5C principles and Sharia-compliant dispute resolution approaches is effective in reducing non-performing financing and strengthening the cooperative's financial sustainability.
Konsep Tabanni (Pengangkatan Anak) dalam Islam: Antara tradisi dan ketentuan syariah Faizah, Nur; Umam, M. Shaiful
AL-MUQARANAH Vol 3 No 2 (2025): Vol 3 No 2 Agustus 2025
Publisher : Prodi Perbandingan Madzab Fakultas Syari'ah Universitas Islam Zainul Hasan Genggong Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/jpmh.v3i2.549

Abstract

The practice of child adoption (Tabanni ) in Indonesia still poses problems due to differences between community traditions, Sharia provisions, and positive legal regulations. Some communities treat adopted children as biological children, including in terms of lineage and inheritance, even though Sharia law stipulates that adoption cannot erase blood ties with biological parents. This study aims to analyze the concept of tabannī in Islam, examine positive legal regulations, and identify practical implications and gaps between legal norms and social practices. The research method used is qualitative with a normative-empirical approach (socio-legal research). Data were obtained through literature studies, legal document analysis, and review of previous studies. The analysis was conducted using the ijtihad maqasidi approach to examine the compatibility of Tabanni  practices with sharia objectives and compare them with social realities in society. The results of the study show that Tabanni  in Islam is limited to the aspect of child maintenance without changing lineage, inheritance rights, or marriage guardian status. Indonesian positive law through the Child Protection Law, Government Regulation No. 54 of 2007, and the Compilation of Islamic Law affirms that adopted children still have a blood relationship with their biological parents and only acquire property through grants or mandatory wills. However, social practices often equate adopted children with biological children, thereby giving rise to legal uncertainty, inheritance disputes, and other issues.
Co-Authors Afifah, Nur Fidiyatul Dian, Dian Safitry Safira Wulandari Fadhillah, Nur Fahim, Achmad Linafsi, Muzahadatul Lubabul Chadziq, Achmad Moch. Iqbal, Moch. Muwafaqoh, Siti Niswatun Hasanah Niswatun Hasanah NUR FAIZAH Rezy Meidina, Ahmad Sholihah, Irmatus