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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam Jurnal Ekonomi Islam
Muftaqor, Nur Azmil
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Manajemen Penghimpunan dan Pendistribusian Dana Zis (Zakat, Infaq, dan Shadaqoh) pada Lazisnu, Ujungpangkah, Gresik Setiyowati, Arin; Salsabilla, Salma Nadia; Muftaqor, Nur Azmil; Zuhud, Mochammad Haris; Rahmayani, Nisa
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.24098

Abstract

Berbagai faktor seperti pendidikan, infrastruktur, kesehatan, ekonomi, hingga kebencanaan menjadi permasalahan sehingga melalui dana ZIS dapat menanggulangi berbagai permasalahan tersebut dan dana yang diperoleh dapat didistribusikan dengan baik maka dibentuklah Lembaga Amil Zakat (LAZ). Tujuan penelitian ini membahas seputar upaya Lazisnu dalam menghimpun, mengelola dan mendistribusikan dana ZIS di daerah Ujungpangkah Gresik. Penelitian ini merupakan buah dari kegiatan Tim Abdimas Universitas Muhammadiyah Surabaya selama pelaksanaan kegiatan tersebut sebagai hasil kerja sama dengan mitra pelaksanaan program edukasi literasi keuangan syariah bersama Lazisnu Ujungpangkah Gresik. Metode penelitian yang digunakan deskriptif kualitatif dengan 2 sumber data yaitu data primer melalui observasi dan wawancara, sedangkan sumber data sekunder diperoleh melalui dokumentasi dan studi pustaka dari referensi terkait. Hasil penelitian menunjukkan lembaga amil zakat, infak, dan sedekah yang memiliki sejarah dan perkembangan yang signifikan. Berbagai program dan kegiatan, NU Care-Lazisnu dalam bidang ekonomi, kesehatan, pendidikan, hingga kebencanaan sebagai satu komitmen dari Lazisnu Kata kunci : Distribusi, Lazisnu, Penghimpunan, ZIS
IMPLEMENTATION OF MURABAHAH CONTRACT IN FINANCING HOME OWNERSHIP TAKE OVER (PPR) AT BANK SYARIAH INDONESIA (BSI) KCP SIDOARJO KRIAN IN A REVIEW OF DSN MUI FATWA Muftaqor, Nur Azmil; Setiyowati, Arin; Huda, Fatkhur; Nasution, Hafizul Ilmi
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.19758

Abstract

Research aims: This study analyzes the implementation of the Murabahah contract in take-over Financing for home Ownership Financing at Bank Syariah Indonesia (BSI) KCP Sidoarjo Krian, with emphasis on Sharia compliance, transaction transparency, and procedural integrity. Design/Methodology/Approach: A qualitative‐descriptive design was adopted. Primary data were gathered through in‐depth interviews with key bank officials and supplemented by document analysis. Data were processed via reduction, presentation, and thematic interpretation. Research findings: Results indicate that the BI‐Checking stage is pivotal for assessing customer creditworthiness and mitigating financing risk. BSI KCP Sidoarjo Krian demonstrates Sharia adherence by disclosing detailed cost breakdowns and profit margins before contract execution, reflecting principles of honesty and fairness. Theoretical Contribution/Originality: This study proposes a structured set of guidelines to enhance Murabahah-based takeover mechanisms. Notable recommendations include standardized disclosure practices, regular reassessment of repayment capacity, and strengthened notarial collaboration to ensure legal compliance. Practitioners/Policy Implications: The study underscores the need for a nationally standardized framework across Islamic financial institutions to optimize operational efficiency, foster inclusive financial access, and reinforce public trust in Sharia-compliant financing systems. Research Limitations/Implications: Given its institution-specific focus on BSI KCP Sidoarjo Krian, generalization across other Islamic banks may be limited. Further research is recommended to evaluate the model’s applicability in diverse institutional and regional contexts.
IMPLEMENTATION OF MURABAHAH CONTRACT IN FINANCING HOME OWNERSHIP TAKE OVER (PPR) AT BANK SYARIAH INDONESIA (BSI) KCP SIDOARJO KRIAN IN A REVIEW OF DSN MUI FATWA Muftaqor, Nur Azmil; Setiyowati, Arin; Huda, Fatkhur; Nasution, Hafizul Ilmi
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.19758

Abstract

Research aims: This study analyzes the implementation of the Murabahah contract in take-over Financing for home Ownership Financing at Bank Syariah Indonesia (BSI) KCP Sidoarjo Krian, with emphasis on Sharia compliance, transaction transparency, and procedural integrity. Design/Methodology/Approach: A qualitative‐descriptive design was adopted. Primary data were gathered through in‐depth interviews with key bank officials and supplemented by document analysis. Data were processed via reduction, presentation, and thematic interpretation. Research findings: Results indicate that the BI‐Checking stage is pivotal for assessing customer creditworthiness and mitigating financing risk. BSI KCP Sidoarjo Krian demonstrates Sharia adherence by disclosing detailed cost breakdowns and profit margins before contract execution, reflecting principles of honesty and fairness. Theoretical Contribution/Originality: This study proposes a structured set of guidelines to enhance Murabahah-based takeover mechanisms. Notable recommendations include standardized disclosure practices, regular reassessment of repayment capacity, and strengthened notarial collaboration to ensure legal compliance. Practitioners/Policy Implications: The study underscores the need for a nationally standardized framework across Islamic financial institutions to optimize operational efficiency, foster inclusive financial access, and reinforce public trust in Sharia-compliant financing systems. Research Limitations/Implications: Given its institution-specific focus on BSI KCP Sidoarjo Krian, generalization across other Islamic banks may be limited. Further research is recommended to evaluate the model’s applicability in diverse institutional and regional contexts.
Co-Authors Huda, Fatkhur Nasution, Hafizul Ilmi Rahmayani, Nisa Salsabilla, Salma Nadia Setiyowati, Arin Zuhud, Mochammad Haris