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All Journal Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Jurnal Istiqro' LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Proceedings of Annual Conference for Muslim Scholars Soeropati: Journal of Community Service ICO EDUSHA Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Ekonomi Syariah

Sofi Faiqotul Hikmah

Institut Agama Islam Darussalam Blokagung Banyuwangi

Author-ID : 782603

Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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PENGARUH MARGIN DAN KUALITAS PELAYANAN ISLAMI TERHADAP KEUASAN ANGGOTA PADA PEMBIAYAAN MURABAHAH DI BMT MUAMALAT KALIBARU KABUPATEN BANYUWANGI Khiliatul Jannah; Sofi Faiqotul Hikmah; Indana Almas Azhar
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 2 No. 2 (2022): Juli 2022
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

This study aims to Knowing the Effect of Margin (X1) and Islamic Service Quality (X2) on Member Satisfaction (Y) on Murabahah Financing at BMT Muamalat Kalibaru. This study uses a quantitative approach to the type of explanatory research. The sample in this study was a member of BMT murabaha financing that had been a member of 1 year using probability sampling techniques obtained by the number of respondents 40 members. The analysis tool uses multiple linear regression with the help of SPPS 23. The results of the study 1) Margin (X1) has a positive and significant effect on Member Satisfaction (Y) on murabaha financing; 2) Islamic Service Quality has a positive and significant effect on Member Satisfaction (Y) on murabaha financing; 3) While from the simultaneous F test it is known that Margin (X1) and Islamic Service Quality (X2) have positive and significant effect on Member Satisfaction (Y) on murabaha financing at Muamalat Kalibaru BMT.

PENGARUH MARKETING SYARIAH DAN SERVICE EXCELLENT TERHADAP KEPERCAYAAN NASABAH MENGGUNAKAN TABUNGAN WADIâ€™AH YAD DHAMANAH DI BMT MUAMALAT KALIBARU KABUPATEN BANYUWANGI Sofi Faiqotul Hikmah; Ajeng Maulida
Jurnal Ekonomi Syariah Darussalam Vol. 1 No. 1 (2020): Agustus 2020
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

This study aims 1) To know and analyze the influence of sharia marketing variables on customer trust in savings, 2) To determine and analyze the effect of service excellent variables on customer trust, 3) To determine and analyze the effect of sharia marketing and service excellence variables on trust. The results of this study indicate that the variable partially sharia marketing on customer trust obtained a significant value with the t test with the value of Thitung> T tabel (2.658> 2.048) is the result of the t test shows that there is a positive influence between the sharia marketing variable (X1) on customer trust (Y ), partially the service excellent variable t test with a Thitung of (5.949> 2.048) the t test results show a positive influence between the service excellent variable (X2) on customer trust (Y), and the F test result is Fhitung = 68.815 with probability level 0.000b. So that (0.000b) is much smaller than 0.05 which means it is significant and based on the F test it is known that all the variables studied have a significant effect on variable Y.

Tradisi dan Budaya Simpan Pinjam Perempan Berbasis Mudharabah Pada Jamaah di Kecamatan Tegaldlimo Kabupaten Banyuwangi Sofi Faiqotul Hikmah
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2188

This research has three objectives, namely: 1) To analyze how the tradition and culture of Women’s Savings and Loans is implemented in Purwoasri Village, 2) To analyze what the contribution of the Women’s Savings and Loans program is to the economy of the people of Purwoasri Village, and 3) To analyze how Islamic law views this mudharabah-based SPP transaction for pilgrims in the Tegaldlimo District, Banyuwangi Regency. The research method that the author uses is descriptive qualitative. The results of the study show that: 1) The implementation of the Women’s Savings and Loans begins with forming a group, submitting data on the name of the group, survey, submits a fund to BUMDESMA, legality, disbursement, repayment, and payment of fees Women’s Savings and Loans members. 2) The contribution are: As additional business capital, encouraging institutional strengthening, helping to meet consumptive needs, maintaining harmony among congregation members, increasing village income, and reducing poverty and unemployment. 3) Islamic law views the implementation of Women’s Savings and Loans, that Women’s Savings and Loans transactions use an interest system, not profit sharing. The implementation of the Women’s Savings and Loans is not al-Qard, because it is not in accordance with the criteria stated in the DSN Fatwa regarding Qard. SPP has not fully used the mudharabah contract because it is still 73% with the mudharabah contract criteria.

OPTIMALISASI PERAN CROWDFUNDING SYARIAH PADA LEMBAGA FILANTROPI UNTUK PENINGKATAN UMKM DI INDONESIA Muhammad Labib Syauqi; Sofi Faiqotul Hikmah
Jurnal Ekonomi Syariah Darussalam Vol. 4 No. 2 (2023): Agustus 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v4i2.2504

Social inequality is still a problem in this country, plus the onslaught of the pandemic has made it increasingly difficult for UMKMs to survive or even develop. The rulers of the economy are now starting to shift, shops and malls are almost no longer needed, but virtual shops in e-commerce are becoming a consideration today. In this digital world, on the one hand, it opens up intense competition, that UMKMs have a great opportunity to jump-start their potential. This UMKM capital injection can be through sharia crowdfunding, which is safe and halal. This research tries to see the potential of shari'ah crowdfunding and how to maximize the existing potential so that MSMEs can get maximum results. The results of this study, that this syari'ah crowdfunding needs the support of many parties, including investors and also regulations from the government, so that the results can be felt better.

BUNGA BANK PERSPEKTIF AHLI TAFSIR (TELAAH KRITIS TERHADAP BUNGA SIMPANAN DAN BUNGA PINJAMAN PADA BANK KONVENSIONAL) Sofi Faiqotul Hikmah
Jurnal Ekonomi Syariah Darussalam Vol. 5 No. 1 (2024): Februari 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v5i1.2988

Today many people question the status of conventional bank interest (interest) in Islam, especially on conventional banks. Some scholars consider bank interest like usury, others do not. The word rib?, is mentioned about nine times in the Qur’an in several places, namely al-Rum (30): 39, al-Nis?’ (4): 160-161, li Imr?n (3): 130, and al- Baqarah (2): 275-280. All these verses show the prohibition of usury in all economic activities for sure (muhkam). However, when usury is connected with one part of the transaction in banking activities, such as bank interest, the commentators have different opinions, some prohibit it because there is an al-ziy?dah element, and some allow it because they consider bank interest not to be doubled (adl’?fan mudh?’afatan) and do not persecute. Through a thematic interpretation approach, this research will be carried out in depth to find the views of the al-Qur’an regarding bank interest, namely deposit bank interest and loan bank interest. This paper is carried out by dissecting the verses related to bank interest, interpreting them in tahlili, ijmali and comparing them with various related interpretations.

KONTEKSTUALISASI HADIST TENTANG THA’UN DALAM MENANGANI PANDEMI COVID-19 Fathul Wahab, M. Royyan Nafis; Najib, Ahmad Ainun; Hikmah, Sofi Faiqotul
Jurnal Ekonomi Syariah Darussalam Vol. 2 No. 1 (2021): Februari 2021
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

This study departs from the problem of handling the Covid-19 (coronavirus disease) pandemic in Indonesia. In its history, during the time of the Prophet Muhammad SAW. There was a pandemic tha’un and found various ways of handling the Prophet Muhammad in dealing with tha’un in the hadith literature. The subject of this research is the Hadith of the Prophet written in the book of hadith and the object of this research is the hadith which explains about tha’un. The purpose of this study is to find the contextualization of the hadith about tha’un as a reference for dealing with Covid-19 in Indonesia. This research is a qualitative research with a type of library research. The findings of this study are the result of contextualization of the hadith about tha’un with the state of the Covid-19 outbreak in Indonesia which states that the handling of Covid-19 must be done by doing a combination of strict restrictions on the rules of entry and exit of areas affected by Covid-19 and conducting physical distancing by taking into account the stabilization of important sectors in Indonesia.

PENGARUH MOTIVASI DAN SIKAP KEWIRAUSAHAAN ISLAM TERHADAP MINAT BERWIRAUSAHA Azid, Raka Malik; Hikmah, Sofi Faiqotul
Jurnal Ekonomi Syariah Darussalam Vol. 3 No. 1 (2022): Februari 2022
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

The purpose of this study is: to partially and simultaneously influence the influence of Islamic Entrepreneurship Motivation and Attitudes simultaneously on Entrepreneurial Interest in Members of HIPMI PT IAIDA Blokagung Banyuwangi. This type of research is explanatory research and uses quantitative methods. The data analysis technique used multiple regression data analysis techniques. The results of this study are that there is an influence between Islamic Motivation and Entrepreneurial Attitudes partially on Entrepreneurial Interest in Members of HIPMI PT IAIDA Blokagung Banyuwangi with a tcount of 2,376 and 3,934 greater than the ttable value of 2,034. And there is an influence between Islamic Motivation and Entrepreneurial Attitudes simultaneously or jointly on Entrepreneurial Interest in Members of HIPMI PT IAIDA Blokagung Banyuwangi with a Fcount value of 19.464 greater than Ftable of 3.30. it can be concluded that there is an influence between Motivation and Islamic Entrepreneurial Attitudes partially and simultaneously on the Entrepreneurial Interest in Members of HIPMI PT IAIDA Blokagung Banyuwangi.

Pengaruh Perkembangan Penerimaan Zakat Sebagai Instrumen Kebijakan Fiskal Terhadap Perkembangan Penerimaan Negara Indonesia Sofi Faiqotul Hikmah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2187

Quantitative research entitled “The Influence of the Development of Zakat Acceptance as an Instrument of Fiscal Policy on the Development of Indonesian State Revenue” is a quantitative research whose data is obtained from the official website of BAZNAS (National Amil Zakat Agency) which is a financial report published annually, besides that the author also took secondary data from BPS (Central Statistics Agency) Ministry of Finance of the Republic of Indonesia and analyzed using simple linear regression manually or with the help of Microsoft Excel. The results showed that the development of zakat receipts from 2010-2021 continued to increase even though in 2020 Indonesia was hit by the Covid-19 pandemic, even the development of zakat receipts from year to year was never below 10%, while the development of state revenues experienced fluctuations, sometimes has increased, sometimes it has also decreased, especially during the Covid-19 pandemic. The results of manual data processing using a simple linear regression formula can be seen that the value of F Count < F Table because 0.00 < 4.965, it can be concluded that variable X (Development of Zakat Receipts) has no effect on variable Y (Development of Tax Receipts).

Co-Authors Abd. Rahman Abd. Rahman Abdul Aziz Ahmad Ainun Najib Ajeng Maulida Anggita Desy Mayang Rianti Aniatun Nafisah Azid, Raka Malik Biati, Lilit Fajar Isnaini Himmah, Rofat Hizmatul Ilham Nur Kholiq Indana Almas Azhar Khiliatul Jannah M Royyan Nafis Fathul Wahab Moh Mahmud Moh. Riza Pahlevi Muhammad faqih Muhammad Kanzul Fikri Muhammad Labib Syauqi Nur Anim Jauhariyah Zulfi Zumala Dwi Andriani

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