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All Journal Tawazun: Jurnal Pendidikan Islam Jurnal Ilmu Komunikasi Network Media Al-Muamalat : Jurnal Ekonomi Syariah
Rukmini, Neng Vivie Nurfauziah
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Humanities Economics, Econometrics & Finance Education Social Sciences

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The Transformation of the Refund Provisions of Tabarru' in Islamic Insurance: Fatwa DSN-MUI No. 53/2006 and No. 81/2011 Fitriansyah, Helmi; Rukmini, Neng Vivie Nurfauziah; Al Hakim, Sofian
Al-Muamalat: Jurnal Ekonomi Syariah Vol 12, No 1 (2025): January (IN PRESS)
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i1.41386

Abstract

This article examines the management of Tabarru' funds in Islamic insurance by analyzing DSN-MUI Fatwa No. 53/2006 and No. 81/2011, which play a crucial role in addressing operational and legal challenges within the Islamic insurance industry. The background of this study focuses on legal uncertainties concerning the status of Tabarru' funds as non-refundable grants, as stipulated in Fatwa No. 53/2006. In contrast, Fatwa No. 81/2011 introduces flexibility by allowing partial refunds for participants who terminate their contracts early, adapting to market needs. The regulatory changes introduced by Fatwa No. 81/2011 permit the partial refund of Tabarru' funds for participants who terminate their contracts before the agreed period concludes. This study employs a normative juridical approach, involving a comprehensive analysis of primary and secondary legal texts, including DSN-MUI fatwas, Islamic legal literature, and case studies on the implementation of these fatwas in the practice of Islamic insurance in Indonesia. Data are collected through library research and analyzed descriptively and comparatively to understand the roles of both fatwas in the management of Tabarru' funds and their implications. The findings indicate that Fatwa No. 81/2011 significantly contributes to the management of Tabarru' funds by introducing flexibility in refunding participants. The fatwas concerning Tabarru' funds in Islamic insurance demonstrate that they complement each other in regulating the concept and management of these funds. The operational implications of this study include recommendations to strengthen regulations and transparency in the management of Tabarru' funds and to enhance the protection of participants' rights.
The Transformation of the Refund Provisions of Tabarru’ in Islamic Insurance: Fatwa DSN-MUI No. 53/2006 and No. 81/2011 Fitriansyah, Helmi; Rukmini, Neng Vivie Nurfauziah; Al Hakim, Sofian
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 12 No. 1 (2025): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i1.41386

Abstract

This article examines the management of Tabarru’ funds in Islamic insurance by analyzing Fatwa DSN-MUI No. 53/2006 and No. 81/2011, which play a crucial role in addressing operational and legal challenges within the Islamic insurance industry. The background of this study highlights legal uncertainties surrounding the status of Tabarru’ funds, which are defined as non-refundable grants in Fatwa No. 53/2006. In contrast, Fatwa No. 81/2011 introduces flexibility by allowing partial refunds for participants who terminate their contracts early, adapting to market needs. This study employs a normative juridical approach, involving a comprehensive analysis of primary and secondary legal texts, including fatwas DSN-MUI, Islamic legal literature, and case studies on the implementation of these fatwas in the practice of Islamic insurance in Indonesia. The findings indicate that Fatwa No. 81/2011 significantly contributes to the management of Tabarru’ funds by introducing flexibility in refunding participants. The fatwas concerning Tabarru’ funds in Islamic insurance demonstrate that they complement each other in regulating the concept and management of these funds. The operational implications of this study include recommendations to strengthen regulations and transparency in the management of Tabarru’ funds and to enhance the protection of participants' rights.
Desain buku panduan muhadatsah berbasis pendekatan komunikatif untuk santri di Pesantren Daarul Uluum Bantarkemang Bogor Tamam, Muhammad Ibnu; Rosyidi, Abdul Wahab; Mufidah, Nuril; Rukmini, Neng Vivie Nurfauziah
TAWAZUN: Jurnal Pendidikan Islam Vol 18 No 1 (2025)
Publisher : Program Studi Magister Pendidikan Islam,Sekolah Pascasarjana Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/tawazun.v18i1.19142

Abstract

The purpose of this research is to design and develop a student Muhadatsah guidebook based on a Communicative Approach for students at the Daarul Uluum Bantarkemang Islamic Boarding School in Bogor. This research uses the research and development (RnD) method with the ADDIE model approach which consists of five stages, namely analyze, design, develop, implement, and evaluate. This method was chosen to design and develop conversational teaching modules in muhadatsah activities to improve students' Arabic speaking skills. This research was carried out at the Daarul Uluum Bantarkemang Islamic Boarding School in Bogor with a total of 22 respondents. Data sources were obtained through observations, interviews, and questionnaires. Then, the data obtained was analyzed using Miles and Huberman's qualitative research theory which included three stages, namely data reduction, data presentation, and conclusion drawn. This research resulted in a Muhadatsah Guidebook entitled 'Abbir Lughataka! based on the Communicative Approach of Finocchiaro and Brumfit theories, which have been considered feasible by material experts and media experts to be used as a guide for students in muhadatsah 'usbu'iyyah activities and to improve students' Arabic speaking skills (maharah kalam) at the Daarul Uluum Bantarkemang Islamic Boarding School Bogor. With this research, it is hoped that it can contribute to providing a solution for pesantren to solve existing problems and can develop the muhadatsah process of students to be more directed and meet the targets to be achieved. Abstrak Tujuan penelitian ini adalah merancang dan mengembangkan buku panduan Muhadatsah santri berbasis Pendekatan Komunikatif untuk santri di Pesantren Daarul Uluum Bantarkemang Bogor. Penelitian ini menggunakan metode penelitian pengembangan (Research and Development atau RnD) dengan pendekatan model ADDIE yang terdiri dari lima tahap, yaitu analyze (analisis), design (perancangan), develop (pengembangan), implement (implementasi), dan evaluate (evaluasi). Metode ini dipilih untuk merancang dan mengembangkan modul ajar percakapan dalam kegiatan muhadatsah untuk meningkatkan kemampuan berbicara bahasa Arab santri. Penelitian ini dilaksanakan di Pesantren Daarul Uluum Bantarkemang Bogor dengan jumlah responden sebanyak 22 santriwati. Sumber data diperoleh melalui observasi, wawancara, dan angket. Kemudian, data yang diperoleh dianalisis menggunakan teori penelitian kualitatif Miles dan Huberman yang meliputi tiga tahapan yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Penelitian ini menghasilkan Buku Panduan Muhadatsah berjudul ‘Abbir Lughataka! berbasis Pendekatan Komunikatif teori Finocchiaro dan Brumfit, yang telah dinilai layak oleh ahli materi dan ahli media untuk dapat digunakan sebagai pegangan bagi santri dalam kegiatan muhadatsah ‘usbu’iyyah dan untuk meningkatkan keterampilan berbicara (maharah kalam) bahasa Arab santri di Pesantren Daarul Uluum Bantarkemang Bogor. Dengan adanya penelitian ini, diharapkan dapat memberikan sumbangsih jalan keluar bagi pesantren untuk menyelesaikan permasalahan yang ada dan dapat mengembangkan proses muhadatsah santri menjadi lebih terarah dan terpenuhinya target yang ingin dicapai.
MANAJEMEN KOMUNIKASI DIGITAL PADA KANAL YOUTUBE PUSAT ‎DAKWAH ISLAM JAWA BARAT Salsabila, Fathiyatulhaq Shafna; Rukmini, Neng Vivie Nurfauziah; Nuryaman‎, Asep; Abidin, Muhammad Salman
Jurnal Network Media Vol 8, No 2 (2025): NETWORK MEDIA
Publisher : Prodi Ilmu Komunikasi Fakultas Ilmu Sosial dan Ilmu Politik Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/jnm.v8i2.6016

Abstract

Pusat Dakwah Islam (PUSDAI) merupakan Masjid milik Pemerintah Provinsi Jawa Barat ‎yang aktif menggunakan Youtube sebagai sarana dakwah di era serba digital. Penelitian ini ‎dilakukan untuk mengetahui lebih dalam mengenai praktik manajemen komunikasi digital ‎yang dilaksanakan oleh tim IT PUSDAI Jabar sebagai sarana dakwah pada kanal Youtube ‎PUSDAI Jabar Channel. Metode yang digunakan penelitian lapangan (field research) dengan ‎pendekatan kualitatif. Penelitian menyimpulkan bahwa PUSDAI Jabar memiliki empat Wakil ‎Ketua DKM dengan penambahan Bidang IT (pengelolaan media digital masjid) sejak tahun ‎‎2015, hal ini yang membedakan dengan kepengurusan DKM lainnya. Adapun praktik ‎manajemen komunikasi digital yang dilaksanakan oleh tim IT PUSDAI pada kanal youtube ‎PUSDAI Jabar Channel, dilaksanakan melalui tiga tahapan pengelolaan yaitu tahap ‎perencanaan, aktivitas dan evaluasi. Sehingga, menunjukan keberhasilan dan eksistensi ‎Masjid PUSDAI Jabar yang konsisten mempublikasikan konten video dakwah dengan ‎menghadirkan Mubaligh dari beragam daerah. ‎
Co-Authors Abdul Wahab Rosyidi Abidin, Muhammad Salman Fitriansyah, Helmi NURIL MUFIDAH Nuryaman‎, Asep Salsabila, Fathiyatulhaq Shafna Sofian Al Hakim, Sofian Tamam, Muhammad Ibnu