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DIFERENSIASI DAN TINGKAT PEMAHAMAN PRODUK, SERTA KUALITAS SUMBER DAYA MANUSIA ATAS KEPUTUSAN NASABAH PERBANKAN SYARIAH Uswatun Khasanah; Afif Muamar
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (601.251 KB)

Abstract

The greater growth of the banking industry creates increasingly fierce competition between the sharia banking industry so that it will make consumers have many alternative choices before deciding which bank to aim for sharia banking transactions. This study aims to reveal the level of understanding of the quality of human resources of customers to customer decisions, the perception of product differentiation of customer decisions. This study uses qualitative research, data collected by interview, observation, documentation and then analyzed using a descriptive analysis method. The results of the study prove the customer's perception of product differentiation, the level of product understanding, and the quality of human resources have a positive influence on customer decisions in Islamic Banking. This means that according to consumers the three components are considered important when using services in Islamic Banking. Keywords: Products, Quality of Human Resources, Customer Decisions
DIFERENSIASI DAN TINGKAT PEMAHAMAN PRODUK, SERTA KUALITAS SUMBER DAYA MANUSIA ATAS KEPUTUSAN NASABAH PERBANKAN SYARIAH Uswatun Khasanah; Afif Muamar
NISBAH: Jurnal Perbanka Syariah Vol. 6 No. 1 (2020): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (452.492 KB) | DOI: 10.30997/jn.v6i1.2104

Abstract

Pertumbuhan industri perbankan yang semakin besar menciptakan semakin ketatnya persaingan antara industri perbankan syariah tersebut, sehingga akan membuat konsumen memiliki banyak pilihan alternatif sebelum memutuskan bank yang akan dituju untuk melakukan transaksi perbankan syariah. Penelitian ini bertujuan untuk mengungkap tingkat pemahaman kualitas sumber daya manusia nasabah terhadap keputusan nasabah, persepsi diferensiasi produk terhadap keputusan nasabah. Penelitian ini menggunakan penelitian kualitatif, data yang dikumpulkan dengan cara interview (wawancara), observasi, dokumentasi kemudian dianalisis dengan metode deskriptif analisis. Adapun hasil penelitian membuktikan persepsi nasabah dalam diferensiasi produk, tingkat pemahaman produk, dan kualitas sumber daya manusia memiliki pengaruh positif terhadap keputusan nasabah pada Perbankan Syariah. Artinya menurut konsumen ketiga komponen tersebut dianggap penting ketika akan menggunakan jasa pada Perbankan Syariah.
IMPLEMENTASI ZAKAT PROFESI DI BAZNAS KABUPATEN CIREBON PADA TAHUN 2020 DALAM PERSPEKTIF UNDANG-UNDANG NOMOR 23 TAHUN 2011 TENTANG PENGELOLAAN ZAKAT Afif Muamar; Wing Redy Prayuda; Silmi Kafah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 7, No 1 (2022)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v7i1.10120

Abstract

Di Kabupaten Cirebon telah berdiri BAZNAS Kabupaten yang bertugas menghimpun dan menyalurkan zakat di wilayah Kabupaten Cirebon. Terdapat perbedaan signifikan jumlah penerimaan zakat profesi dari tahun 2019 ke 2020. Oleh karena itu peneliti merasa perlu mengaji lebih dalam mengenai bagaimana implementasi zakat profesi berdasarkan teori kebijakan publik. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi dan dokumentasi. Dari hasil penelitian diperoleh implementasi zakat profesi di BAZNAS Kabupaten Cirebon pada tahun 2020 dilihat dari teori implementasi kebijakan publik telah berhasil dilaksanakan dengan perbedaan standar yang digunakan dari tahun sebelumnya. Namun masih terdapat hambatan dalam pengimplementasian yang berasal dari amil dan muzakki. Dilihat dari perspektif Undang-Undang Nomor 23 Tahun 2011 tentang Pengelolaan Zakat pengimplementasian sudah dilakukan sesuai dengan Undang-Undang namun belum optimal.Kata Kunci: Implementasi, Zakat Profesi, dan Hukum Positif.
PRAKTIK TRANSAKSI NON TUNAI MELALUI LAYANAN SYARIAH LINKAJA PADA EKOSISTEM KEISLAMAN DI KOTA CIREBON Nisa Lusiana; Afif Muamar; Wasman Wasman; Didi Sukardi
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 15 No. 1 (2021): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v15i1.684

Abstract

The rise of non-cash transactions today has made people tend to switch from manual transactions that use cash to electronic transactions. LinkAja Syariah service is an application-based electronic money service designed to facilitate user transactions. LinkAja Syariah Services prioritizes three main categories of sharia service products, namely the ZISWAF, mosque-based economic empowerment and digitization of Islamic boarding schools, micro small and Medium Enterprises. Thus, this study seeks to reveal the contribution of LinkAja Sharia Services in the city of Cirebon, where the majority of the population is Muslim and there are many religious institutions. This study aims to determine the practice of using LinkAja Syariah Services in Cirebon City from an Islamic law perspective. The method used in this research is qualitative by inductive means, that is, from data to a higher level of abstraction, including synthesis and theory development (if necessary and the data supporting). This means that data analysis in qualitative research is more open-ended and must be adjusted to data in the field, such as the results of interviews, observations, and documentation. In addition, the data analysis technique used in this study was qualitative analysis as stated by Miles and Hubberman, namely data collection, data education, data presentation and conclusion drawing. The results of this study are: LinkAja Sharia services that prioritize three main products, namely the ZISWAF ecosystem, mosque-based economic empowerment, and digitization of Islamic boarding schools and UKM. In Cirebon City LinkAja Syariah services can be used for zakat, infaq and shodaqoh payments at LAZISMU Cirebon Regency, donations at At-Taqwa Mosque, and shopping at traditional markets such as Gunung Sari Market, PGC Morning Market, and Kanoman Market
Electronic money (e-money) in maqashid al-sharia perspective Afif Muamar; Ari Salman Alparisi
Journal of Islamic Economics Lariba Vol. 3 No. 2 (2017)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

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

Abstract

Electronic money emerges as micro payment instrument in which it enables faster, easier, safer and more efficient payment process. Even though it offers many advantages, its appropriateness to maqasid al-sharia needs to be further disucssed. Thus, it is very imporant to judge whether e-money has been in line with Islamic values or not. The method used in this research was qualitative method in which literature studies were performed. The result generally suggested that e-money had not violated maqasid al-sharia. This congruity was taken as it did not contravene the principles of wealth management and usefulness in Islam. However, unregistered e-money was judged not in line with maqasid al-sharia because it might create disadvantages when it was stolen or lost. It was due to the fact that unregistered e-money was not equipped with password. Thus, the use of unregistered e-money should be better avoided.
DIFERENSIASI DAN TINGKAT PEMAHAMAN PRODUK, SERTA KUALITAS SUMBER DAYA MANUSIA ATAS KEPUTUSAN NASABAH PERBANKAN SYARIAH Uswatun Khasanah; Afif Muamar
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (601.251 KB)

Abstract

The greater growth of the banking industry creates increasingly fierce competition between the sharia banking industry so that it will make consumers have many alternative choices before deciding which bank to aim for sharia banking transactions. This study aims to reveal the level of understanding of the quality of human resources of customers to customer decisions, the perception of product differentiation of customer decisions. This study uses qualitative research, data collected by interview, observation, documentation and then analyzed using a descriptive analysis method. The results of the study prove the customer's perception of product differentiation, the level of product understanding, and the quality of human resources have a positive influence on customer decisions in Islamic Banking. This means that according to consumers the three components are considered important when using services in Islamic Banking. Keywords: Products, Quality of Human Resources, Customer Decisions
ANALISIS KEPATUHAN MUSLIM INDONESIA DALAM PRAKTIK KEWARISAN ISLAM (Studi Relasi Ayat Waris dengan Hadits Punahnya Ilmu Kewarisan) Wasman Wasman; Afif Muamar
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 8, No 1 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i1.13267

Abstract

AbstractThis study aims to find out the current implementation of Islamic inheritance law in Indonesia and how to provide an understanding of the division of inheritance in Indonesia. This study is classified as normative research using qualitative methods, which is classified as a type of literature review. The results of this study, namely first, the practice of dividing inheritance among Muslim communities in Indonesia has not been fully implemented. This happened due to the influence of two causal factors, including (1) European historical factors which divided its population into three groups, namely people and those who were equated with Europeans. Foreign Easterners (Chinese), and other Foreign Easterners and Indonesians who focus on European law. (2) Social Factors. Disobedience of some of the Indonesian Muslim community to study Islamic inheritance (faraidh). And second, there is a need for a movement to socialize the science of inheritance on an ongoing basis in terms of education, Islamic study organizations, and religious organizations. Keywords: Islamic Society; Inheritance Law; and The Era of Globalization
PENANGANAN TINDAK PIDANA PENGGELAPAN DI KEJAKSAAN NEGERI KOTA CIREBON DALAM PERSPEKTIF HUKUM POSITIF DAN HUKUM ISLAM mohammad ihya syahrir; Afif Muamar
TAHKIM Vol 19, No 1 (2023): TAHKIM
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/thk.v19i1.2124

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AbstrakJurnal ini bertujuan untuk menganilis tentang penanganan tindak pidana penggelapan di Kejaksaan Negeri Kota Cirebon dalam perspektif hukum Positif dan hukum Islam. Dengan menggunakan metode penelitian kualitatif yaitu suatu penelitian yang ditunjuk untuk mendeskripsikan dan menganilisis fenomena, pariwisata, aktifitas sosial, sikap, kepercayaan, persepsi, pemikiran orang secara individual maupun kelompok. Jurnal ini menghasilkan bahwa Pertama, menurut Kitab Undang-Undang Hukum Pidana (KUHP), penggelapan yaitu “barang siapa dengan sengaja dan melawan hukum memiliki barang sesuatu yang seluruhnya atau sebagian adalah kepunyaan orang lain, tetapi yang ada dalam kekuasaanya bukan karena kejahatan diancam karena penggelapan, dengan pidana penjara paling lama empat tahun atau pidana denda paling banyak sembilan ratus rupiah”. Kedua, Kejaksaan merupakan lembaga pemerintahan pelaksana kekuasaan negara yang mempunyai tugas dan wewenang di bidang penuntutan dalam rangka penegakan hukum dan keadilan di peradilan umum. Ketiga, dalam hukum Islam penggelapan terdapat persamaan antara tindak pidana yang diatur dalam Islam yaitu: ghulul, ghasab, sariqah, khianat.Kata kunci: Penggelapan, Kejaksaan dan Hukum IslamAbstractThis journal aims to analyze the handling of criminal acts of embezzlement at the Cirebon City Public Prosecutor's Office in the perspective of Positive law and Islamic law. By using qualitative research methods, namely a study that is appointed to describe and analyze phenomena, tourism, social activities, attitudes, beliefs, perceptions, thoughts of people individually and in groups. This journal results that First, according to the Criminal Code (KUHP), embezzlement is "anyone who intentionally and unlawfully owns something that wholly or partly belongs to another person, but who is in his power not because of a crime is threatened with embezzlement, with a maximum imprisonment of four years or a maximum fine of nine hundred rupiahs. Second, the Prosecutor's Office is a government agency implementing state power that has duties and authorities in the field of prosecution in the context of law enforcement and justice in public courts. Third, in Islamic law embezzlement there are similarities between criminal acts regulated in Islam, namely: ghulul, ghasab, sariqah, treason.Keywords: Embezzlement, Prosecution and Islamic Law
HASIL PUTUSAN PEMBAGIAN HARTA BERSAMA DALAM PENGADILAN AGAMA SUMBER KELAS 1A Fina Alfiyani; Afif Muamar
Jurnal Hukum Positum Vol. 8 No. 1 (2023): Jurnal Hukum Positum
Publisher : Prodi Magister Ilmu Hukum Fakultas Hukum Universitas Singaperbangsa Karawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35706/positum.v8i1.10044

Abstract

Peneliti ini bertujuan untuk menganalisis tentang hasil putusan Pembagian Harta Bersama dalam Pengadilan Agama Sumber kelas 1A dalam peraktek di Pengadilan Agama Sumber nomor perkara 7680/Ptd.G/2022/PA Sbr. Dengan Pengugat dan Tergugat sebagai Pemohon yang dalam rekonpensi mengajukan gugatan rekonpensi kepada Tergugat mengenai Harta bersama/ gono gini yang diperoleh selama perkawinan, nafkah iddah dan mut’ah. Rumusan maslah adalah bagaimana kajian hukum pembagian harta bersama di Pengadilan Agama Sumber pada perkara nomor 7680/Pdt.G/2022/pa Sbr?. Bagaimana penyelesaian pemabagian harta bersama nomor perkara 7680/Ptd.G/2022/PA Sbr, di Pengadilan Agama Sumber? Jenis penelitian ini adalah penelitian hukum Empiris. Hasil penelitian ini adalah: (1) Pembagian harta bersama di Pengadilan Agama Sumber pada perkara Nomor 7680/Ptd.G/2022/PA Sbr. Dilakukan atas dasar Undang-Undang Nomor 1 Tahun 1974 tentang Perkawinan dan Kompilasi Hukum Islam, maka harta kekayaan yang diperoleh baik dari pihak suami atau isteri menjadi hak bersama sepanjang tidak ditentukan lain dalam perjanjian perkawinan dan jika perkawinan putus, masing-masing berhak 1/2 (seperdua) dari harta tersebut, karena selama perkawinan terdapat adanya harta bersama, maka Hakim disini memberikan putusan mengenai besarnya bagian masing-masing. Pengadilan menetapkan pembagian harta bersama tersebut seperdua untuk penggugat dan seperdua untuk tergugat. Pelaksanaan eksekusi pembagian harta bersama pada perkara Nomor 7680/Ptd.G/2022/PA Sbr. Kata kunci : Hukum, Pembagian harta bersama, Pengadilan Agama
Family and Creative Economy in Sunan Gunung Djati Religious Tourism Area, Cirebon, Indonesia Muamar, Afif; Rijal, Syamsul; Faozi, Moh. Mabruri; Mahfudin, Mahfudin; Tohayudin, Tohayudin
El-Usrah: Jurnal Hukum Keluarga Vol 7, No 1 (2024): EL-USRAH: Jurnal Hukum Keluarga
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ujhk.v7i1.21987

Abstract

This study aims to determine efforts to create a harmonious family, to identify activities, and to determine the factors that influence the income level of creative economy actors. This study employed a qualitative approach to examine the role of families in the creative economy and minimize business weaknesses and factors that influence the income of around 350 service and business sectors. This study found that first, efforts to create a harmonious life for creative economy actors, namely creating household conditions that are communicative and warm, as well as instilling an attitude of acceptance and instilling a sense of trust in married couples. Second, tourism is a labor-intensive sector that includes services and the business world. Third, the main factors that influence the level of creative economy income are internal and external factors. This research provides new insights into a comprehensive review of the family and creative economy of religious tourism at the Sunan Gunung Djati Cemetery, Cirebon.