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All Journal Journal of Computer Science and Information Systems (JCoInS) Jurnal Ekonomi, Teknologi dan Bisnis
Apipah, Neng Ulpa
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Astronomy Computer Science & IT Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Mechanical Engineering

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Analisis Produk Simpan Pinjam Dan Pembiayaan Syariah Dalam Perspektif Hukum Syariah (Studi Pada Koperasi Swadaya Pribumi Klapanunggal Kabupaten Bogor) Apipah, Neng Ulpa; Munir, Muhammad Misbakul; Muti, Ahmad
Journal of Computer Science and Information System(JCoInS) Vol 5, No 2: JCOINS | 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jcoins.v5i2.5869

Abstract

This thesis is entitled "Analysis of Sharia Savings and Loans and Financing Products In Sharia Law Perspective (Study of Indigenous Self-Help Cooperatives Klapanunggal Bogor Regency)” this is descriptive qualitative research, namely The researcher explains the facts in the field to determine their suitability with sharia standards in the process of implementing the products contained in Klapanunggal Indigenous Self-Help Cooperative, Bogor Regency. This thesis is focused research on the Sharia Savings and Loans and Financing Unit. In the product divided into 2 (two), namely financing products and savings products. Results research shows that the Klapanunggal Indigenous Self-Help Cooperative inits implementation is in accordance with sharia. Rukun, terms and conditions of the contract are created based on the DSN-MUI Fatwa (National Sharia Council - Ulama Council Indonesia) which has been adapted to the Koran, al-Hadith and the consensus of the ulama.
Spiritual Values in The Economic Practices of Al-Bahjah Students in Central Cirebon Apipah, Neng Ulpa; Rosidah, Rosidah; Askhiyah, Umamah Mumtazah; Tarudi, Tarudi; Abdurrasyid, R. Ilfan Muhammad
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 4 No. 11 (2025): Jurnal Ekonomi, Teknologi dan Bisnis
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/w4rx0187

Abstract

Pesantren in Indonesia function not only as centers of religious learning but also as spaces for forming Islamic-based economic values. Despite growing scholarly interest in pesantren entrepreneurship, the spiritual dimensions underpinning santri economic practices remain empirically underexplored. This study aims to explore the spiritual values embedded in the economic practices of santri at Al-Bahjah Islamic Boarding School, Central Cirebon, and to understand how these values shape the pesantren's economic culture. Methods: A qualitative case study design incorporating ethnographic techniques was employed. Data were collected through participatory observation and semi-structured in-depth interviews with three purposively selected informants — one institutional treasurer and two active santri — over three days (27–29 October 2025). Findings reveal that economic activities within the pesantren serve not merely as financial transactions but as a medium of moral and spiritual education. Core values — honesty (ash-shidq), trustworthiness (al-mas'uliyyah), blessing (al-barakah), and mutual help (ta'awun) — underpin every economic interaction. Distinctive practices including e-money as a moral governance instrument, integration of sholawat and dhikr into economic activities, and selective procurement of goods free from pro-Israel products constitute an economy grounded in spirituality and social accountability. The economic practices of Al-Bahjah santri represent a manifestation of spiritual economy that integrates economic, moral, and theological dimensions within a single cultural practice, offering an alternative paradigm that enriches Islamic economics discourse rooted in pesantren culture.
Co-Authors Abdurrasyid, R. Ilfan Muhammad Askhiyah, Umamah Mumtazah Munir, Muhammad Misbakul Muti, Ahmad Rosidah Rosidah Tarudi, Tarudi