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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Khidmatan Az Zarqa': Jurnal Hukum Bisnis Islam Indo-Fintech Intellectuals: Journal of Economics and Business

Qurotul Aini

STAI Syubbanul Wathon Magelang

Author-ID : 6847950

Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 7 Documents Claim Missing Document

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Articles

Evaluasi Penerapan Akad Pembiayaan (Studi Pada Kopma UIN Sunan Kalijaga Yogyakarta) azzarqa, azzarqa; Aini, Qurotul
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 9 No. 1 (2017): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v9i1.1429

Kopma UIN Sunan Kalijaga Yogyakarta, berdasarkan AD-ART merupakan jenis Koperasi Serba Usaha (KSU). Kopma UIN memiliki unit usaha simpan pinjam dan unit usaha tersebut melayani jasa pembiayaan, salah satunya adalah pembiayaan murabahah. Dalam penelitian ini, tujuannya adalah mencoba untuk mengetahui praktik pembiayaan murabahah di Kopma UIN Sunan Kalijaga Yogyakarta; mengetahui aplikasi pembiayaan berdasarkan akad murabahah, sudah sesuai dengan prinsip syariah atau belum; mengetahui alasan Kopma UIN menggunakan akad-akad syariah pada kegiatan usahanya padahal Kopma UIN Sunan Kalijaga termasuk koperasi konvensional. Oleh karena itu, menjadikan ketertarikan tersendiri untuk meneliti tentang praktik akad pembiayaan murabahah di Kopma UIN Sunan Kalijaga Yogyakarta.Jenis penelitian ini merupakan penelitian lapangan (field research). Sifat penelitian ini merupakan penelitian preskriptif. Dalam mengumpulkan data, yang digunakan adalah teknik wawancara dan observasi. Adapun pendekatan yang digunakan untuk menganalisis permasalahan adalah pendekatan normatif dan pendekatan perundang-undangan. Penelitian ini menggunakan analisa data kualitatif, dan dengan teknik analisis berfikir induktif. Hasil dari penelitian ini menyatakan bahwa alasan dari pihak Kopma UIN Sunan Kalijaga Yogyakarta menerapkan akad-akad syariah dalam usahanya adalah untuk mewujudkan misi pertamanya, yakni dengan Kopma UIN sedikit demi sedikit mengimplementasikan akad-akad syariah di dalam usahanya, khususnya pada unit usaha simpan pinjam, tujuannya adalah untuk menyediakan layanan jasa di bidang keuangan yang terbaik bagi anggota maupun non-anggota. Dalam praktik pembiayaan murabahah di Kopma UIN pada proses pencairannya langsung dalam bentuk dana sesuai yang diajukan oleh anggota USP, jadi tidak ada barang sebagai obyek dalam transaksi murabahah, serta dalam pengambilan margin/keuntungan pun ditentukan sepihak oleh Kopma UIN Sunan Kalijaga Yogyakarta. Melihat dari praktik tersebut, terdapat ketidaksesuaian pada pelaksanaan akad pembiayaan murabahah terhadap prinsip syariah, dengan kata lain praktik pembiayaan murabahah di Kopma UIN Sunan Kalijaga tidak sesuai dengan prinsip syariah.

Pemberdayaan Ekonomi Digital Sebagai Sarana Promosi Bagi Pelaku UMKM Dusun Kalangan Haifah Nabilatu Azizah; Qurotul Aini; Nur Kholidah
Khidmatan Vol. 1 No. 2 (2021): Khidmatan
Publisher : Sekolah Tinggi Agama Islam Syubbanul Wathon Magelang

The digital economy has had a positive influence on UMKM actors. The impact of the development of the digital economy has become a forum for carrying out various kinds of economic transactions during the new normal era. However, there are still limited information and knowledge of the digital economy as a sales medium in the hamlet. Therefore, community service activities are needed in the form of assistance, especially for artisans and MSME actors, to increase awareness of utilizing the digital economy; the mentoring method used is the PAR (Participatory action research) method. Thus, in community service, the team is involved in a participatory manner among the community to encourage awareness related to the digital economy. After the service was carried out, the community became enthusiastic because it added knowledge about the digital economy by implementing it in its sales media.

Penataan Taman Baca Grio Mukti Untuk Meningkatkan Literasi Membaca di Desa Pringombo Kcamatan Tempuran Eko Syahrul Jatmiko; Qurotul Aini; Dakusta Puspitasari
Khidmatan Vol. 1 No. 2 (2021): Khidmatan
Publisher : Sekolah Tinggi Agama Islam Syubbanul Wathon Magelang

Literacy is one of the main components in the development of human resources. However, Indonesian people have very low literacy. The study results show that village Taman Baca is still very low. In addition, the reading facilities and infrastructure provided in the village reading park are also still limited. This community service activity aims to improve the management of the reading garden in Pringombo Village to improve literacy culture in the community. The method used is participation which involves the active involvement of village government officials, the academic community, and the community. The stages of service activities are observing, discussing, implementing, and socializing. The results of the village Taman Baca arrangement activities have been carried out following the plans and targets set, such as adding to the book collection, conducting an inventory, classification, and administration of the village Taman Baca. Thus, the existence of the village reading park is expected to increase the reading literacy of the village community.

Pemanfaatan Media Sosial dalam Optimalisasi Pembelajaran Daring di Desa Gunungpring Falakhunnisa; Qurotul Aini; Milna Wafirah
Khidmatan Vol. 1 No. 2 (2021): Khidmatan
Publisher : Sekolah Tinggi Agama Islam Syubbanul Wathon Magelang

Social media as a brave learning media is still rarely done by the people of Gunungpring Village. Therefore, the assistance was carried out this time to optimize online learning by using social media. This empowerment assistance uses the ABCD (Asset-Based Community Development) approach using several stages: discovery, dream, define, design, and destiny. Because in this new normal era, parents are minimizing expenses, then the author provides a solution by using social media, which is free but has many advantages, namely telegram. With the assistance program in the form of a telegram for learning media, children are expected to use their original cellphones to play games. Still, now children are taught to use mobile phones to know so that this potential can make children more effective in carrying out learning at home.

Implementasi Manajemen Distribusi Dana Zakat, Infak, dan Sedekah: Studi Kasus NU Care-Lazisnu Kabupaten Magelang Hidayat, Yahya Nur; Pudail, Pudail; Aini, Qurotul
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 4 No. 4 (2024): Indo-Fintech Intellectuals: Journal of Economics and Business
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v4i4.1625

The Nahdlatul Ulama Zakat Infaq and Alms Amil Institute (LAZISNU) is an institution that focuses on collecting, distributing and utilizing zakat, infaq and alms. This research aims to develop strategies for utilizing zakat, infaq and alms funds in NU CARE-LAZISNU, Magelang Regency. The research method used is a qualitative descriptive approach, with data collection techniques through observation, interviews and documentation. The results of the research show that NU CARE-LAZISNU Magelang Regency received income from zakat, infaq and alms as follows: IDR 284,678,815 in 2020, IDR 11,692,068,596 in 2021, and IDR 775,202,741 in 2023. Management of funds carried out by the zakat infaq and alms amil institution (LAZISNU) through programs covering the social, religious, health, education and disaster response fields, using nu coins as the main source of collecting funds. The funds collected are collected and distributed in accordance with the NU CARE-LAZISNU work program. The management of zakat funds is carried out professionally and transparently. These programs include direct assistance to individuals in need, construction of infrastructure, and support for religious and social activities. The programs implemented by NU CARE-LAZISNU Magelang Regency have had a positive impact on the beneficiary communities.

Analisis Prinsip 5C terhadap Pembiayaan Mudharabah di BMT Barokah Cabang Tegalrejo Sofyana, Sonia; Fitriyani, Yeny; Aini, Qurotul
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 10 No. 2 (2024): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v10i2.2730

Financing is the provision of funds by institutions to parties needing funds with a certain period in return, accompanied by the payment of several rewards or profit sharing. BMT is one of the Islamic financial institutions providing Islamic financing products. This study aims to analyze the application of the 5C principle in Islamic finance at BMT Barokah Tegalrejo. The research method used was the qualitative method with a descriptive approach. The research object is the BMT Barokah Tegalrejo branch. The source of information was obtained from interviews with Mr. Marfusaha, director of the BMT Barokah Tegalrejo branch. The results of this study indicate that the 5C principle is needed in Sharia financing to overcome problematic financing or bad credit. Suggestions for further research, research methods, and objects analyzed to be further expanded and detailed.

Optimalisasi Pembiayaan Murabahah dalam Meningkatkan Pendapatan Pembiayaan Di KSPPS Al-Husna Secang Nuraini, Ana; Yeny Fitriyani; Qurotul Aini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22159

Penelitian ini menggambarkan peran pembiayaan murabahah dalam meningkatkan pendapatan di Koperasi Simpan Pinjam Syariah (KSPPS) Al-Husna. Pembiayaan murabahah di KSPPS Al-Husna dijelaskan sebagai salah satu instrumen pembiayaan yang efektif dan sesuai dengan prinsip syariah. Konsep dasar pembiayaan murabahah, syarat-syarat yang harus dipenuhi, dan dasar hukumnya yang meliputi fatwa DSN MUI No. 04/DSN-MUI/IV/2000 menjadi fokus dalam pembahasan. Selain itu, peran KSPPS sebagai lembaga keuangan syariah dalam mendukung pertumbuhan ekonomi mikro dan menengah juga dibahas dalam konteks pengelolaan keuangan yang efisien. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan lapangan. Data diperoleh melalui observasi, wawancara, dan analisis dokumen. Hasil penelitian menunjukkan bahwa pembiayaan murabahah memiliki dampak positif terhadap pendapatan KSPPS Al-Husna, namun juga menghadapi tantangan seperti pengelolaan risiko dan kepatuhan terhadap prinsip syariah. Oleh karena itu, strategi strategi untuk meningkatkan pendapatan pembiayaan, seperti diversifikasi produk, peningkatan layanan, promosi aktif, kemitraan kerjasama, dan edukasi keuangan menjadi penting dalam konteks ini. Penelitian ini memberikan wawasan mendalam tentang sistem pengelolaan keuangan dan langkah-langkah yang dapat diambil untuk meningkatkan pendapatan pembiayaan di KSPPS Al-Husna.

Co-Authors azzarqa, azzarqa Dakusta Puspitasari, Dakusta Eko Syahrul Jatmiko Falakhunnisa Fitriyani, Yeny Haifah Nabilatu Azizah Hidayat, Yahya Nur Milna Wafirah Nur Kholidah Nuraini, Ana Pudail, Pudail Sofyana, Sonia Yeny Fitriyani

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