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INDONESIA
Jurnal Istiqro'
Published by Institut Agama Islam Darussalam
ISSN : 24600083     EISSN : 25993348     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Social Sciences Other
Arjuna Subject : -
Articles 150 Documents
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Tawatu Dalam Kajian Fiqih Dan Konsekuensinya Pada Transaksi Keuangan (Muamalah Maliyah) Mahmudah Mahmudah; Muhammad Riza Aziziy
Jurnal Istiqro Vol. 4 No. 1 (2018): Januari 2018
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

In the fiqih muamalah studies agreement between the parties who transact is very important in determining the validity of the transaction (luzum). And agreement or willingness in the transaction is also very decisive to the halal or not the acquired property. Basically, muamalah law can be done, unless there is a proposition that forbid it. This rule implies the extent of muamalah issues faced by the ummah, thus demanding to continue to perform creative and innovative economic contracts. With the principle of ridlo and mubah above, and the opening possibility to innovate in commercial contracts, not infrequently people do engineering (hilah) against a contract. Not a few hilah that preclude a contract to be haram, instead of transforming from the unattractive to be creative and mubah. Agreements made by the parties who transact to do engineering on the contract that is called tawatu 'or muwato'ah.
Analisis Hukum Islam terhadap Asuransi Jiwa PT. Axa Mandiri pada Produk Mandiri Rencana Sejahtera Syariah Plus dalam Akad WakâLah bi Al-Ujrah di BSM KCP Genteng Banyuwangi Abdul Kholiq Syafa’at
Jurnal Istiqro Vol 3 No 2 (2017): Juli 2017
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kepustakaan (library reseach). Untuk mendapatkan data yang valid, penulis menggunakan beberapa teknik pengumpulan data yaitu observasi, wawancara dan dokumentasi. Wawancara dalam penelitian ini dilakukan kepada Wahyu Perdana yang menjabat sebagai Financial Advisor PT. AXA Mandiri Genteng dengan tujuan untuk mengetahui praktek akad Wakâlah bi al-Ujrah pada asuransi jiwa dan fatwa DSN-MUI tentang akad Wakâlah bi al-Ujrah pada asuransi syariah dan reasuransi syariah dengan menggunakan akad Wakâlah bi al-Ujrah. Sumber data dalam penelitian ini ada dua yaitu sumber data primer dan sumber data sekunder. Setelah data-data terkumpul maka penulis menganalisis dengan menggunakan metode deskriptif analisis dengan menggunakan pendekatan kualitatif. Hasil dari penelitian yang diperoleh adalah pelaksanaan asuransi jiwa di PT. AXA Mandiri Genteng menggunakan akad yang sudah ditetapkan oleh DSN-MUI NO: 52/DSN-MUI/III/2006. Tentang akad Wakâlah bi al-Ujrah asuransi syariah dan reasuransi syariah. Sesuai dengan fatwa DSN-MUI dan pelaksanaannya di PT. AXA Mandiri, akad al-Wâkalah adalah akad yang digunakan peserta polis untuk memberikan kuasa kepada pihak asuransi untuk mengelola dana kontribusi, serta diperbolehkannya pihak asuransi meminta ujrah kepada peserta polis. Menurut ulama’ asy-Syafi’iyah ketika substansi al-Wakâlah dengan sistem upah adalah akad al-Ijârah, maka perlu adanya penjelasan mengenai akad al-Ijârah. Permintaan ujrah dan akad Wakâlah bi al-Ujrah yang dilaksanakan oleh PT. AXA Mandiri karena jasa dari perwakilannya mengelola dana kontribusi nasabah sudah sesuai dengan fatwa DSN-MUI dan menurut hukum Islam. Namun masih ada sedikit kekurangan mengenai penghitungan ujrah yang tidak dijelaskan kepada nasabah, serta pemberitahuan antar nasabah mengenai akad tabarru’ yang dilakukan kepada sesama pemegang polis tersebut.
Pengaruh Stres Kerja terhadap Kinerja Karyawan di Koppontren Unit Simpan Pinjam Pola Syariah (USPPS) Ausath Blokagung Tegalsari Banyuwangi Atan Pramana
Jurnal Istiqro Vol 2 No 2 (2016): Juli 2016
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

Stres merupakan suatu kondisi keadaan seseorang dimana sedang mengalami ketegangan karena adanya kondisi yang mempengaruhinya. Stres dapat menimbulkan dampak yang negatif terhadap keadaan psikologis dan biologis bagi karyawan yang sedang mengalaminya. Penelitian ini bertujuan untuk mengetahui pengaruh stres kerja terhadap kinerja karyawan di KOPPONTREN USPPS AUSATH Blokagung Tegalsari Banyuwangi dan untuk mengetahui faktor-faktor apa saja yang menyebabkan terjadinya stres kerja di KOPPONTREN USPPS Ausath Blokagung Banyuwangi. Jenis penelitian ini berupa penelitian kuantitatif dimana terdapat dua variabel yaitu stres kerja (independen) sebagai variabel bebas dan kinerja karyawan (dependen) sebagai variabel terikat, dengan menggunakan sumber data diantaranya data primer, skunder, populasi dan sampel. Metode pengumpulan data yang digunakan melalui observasi, wawancara, serta penyebaran kuisioner kepada responden. Penelitian ini menggunakan alat ukur berupa validitas dan reliabilitas untuk membuktikan kevalidan hasil penelitian dan reliabel setiap instrumen. Alat analisis yang digunakan dalam penelitian ini yaitu menggunakan regresi sederhana, analisis ini untuk mengetahui arah hubungan antara variabel independen dengan variabel dependen apakah positif atau negatif dan untuk memprediksi nilai dari variabel dependen apabila nilai variabel independen mengalami kenaikan atau penurunan. Menggunakan uji hipotesis (uji F) sebesar 9,476 lebih besar dari tabel 4,84 (Fhitung> Ftabel atau 9,476 > 4,84) yang berarti mempunyai pengaruh yang signifikan. Hasil korelasi sebesar rxy= 0,680 termasuk kategori hubungan kuat. Koefisien determinannya dicari sebesar 46,24% yang berarti variabel stres kerja memberikan kontribusi terhadap Kinerja Karyawan Koppontren USPPS Ausath Blokagung sebesar 46,24% dan sisanya 43,76% ditentukan oleh variabel lain. Dan hasil persamaan regresinya yaitu Y= 15,265 + 0,600 X, artinya bahwa setiap peningkatan 1 skor variabel stres kerja (X) diikuti oleh peningkatan skor pada Kinerja Karyawan Koppontren USPPS Ausath Blokagung (Y) sebesar 15,265 pada konstanta sebesar 0,937. Kesimpulan dari penelitian ini adalah karena Fhitung > Ftabel atau 9,476 > 4,84 maka Ho ditolak dan Ha diterima. Hal ini menunjukan bahwa terdapat pengaruh yang signifikan antara Pengaruh Stres Kerja Terhadap kinerja Karyawan di Koppontren USPPS Ausath Blokagung Tegalsari Banyuwangi.
Pengaruh Sikap Dan Persepsi Terhadap Loyalitas Pelanggan Produk Aqua Di Agen Di Kecamatan Candipuro Kabupaten Lumajang Fauzan Muttaqien; Sukma Ardi Firmandita
Jurnal Istiqro Vol 4 No 2 (2018): Juli 2018
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

This study aims to determine the effect of attitudes and perceptions on customer loyalty of drinking water in the packaging of Aqua brand on Aqua agent in Candipuro subdistrict partially and simultaneously. The method used in this research is multiple linear regression. This research is a quantitative research by finding associative association that is causal or research that is asking about the relationship between two or more variables and causality. The analysis used in this research is multivariate analysis that is multiple linear regression analysis consist of 2 (two) independent variable and 1 (one) dependent variable, then sample size taken 10x3 variable = 30 sample member. Sampling method used in this research is non-probability sampling with purposive sampling technique. Meanwhile, the coefficient of determination (R Square) obtained is 0.383. This means 38.3% loyalty can be explained by attitude and perception variables, while the remaining 61.7% loyalty is influenced by other variables not examined in this study. Limitations of this study is to examine the effect of attitude and perception on customer loyalty, while other variables that can influence customer loyalty are expected to be investigated by the next researcher.
Efektifitas Pengelolaan Dan Pengumpulan Zakat Profesi (Pns) Di Unit Pengumpul Zakat (Upz) Baznas Kecamatan Cluring Yeni Rokhilawati
Jurnal Istiqro Vol 4 No 2 (2018): Juli 2018
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

This study is to analyze the effectiveness of Zakat, Infaq, and Alms (ZIS) fundraising after the BAZNAS Banyuwangi decree No: KP.BAZNAS / BWI / A.01.SK / 30/2016 concerning the management of Zakat, Infaq, Alms at the Subdistrict level in collecting zakat profession (PNS) in the Zakat Collection Unit (UPZ) BAZNAS Cluring District, which aims to find out the supporting and inhibiting factors in the collection of professional zakat funds in Zakat Collectors (UPZ) BAZNAS Cluring District and provide solutions to overcome the obstacles to the collection of professional zakat funds in the Zakat Collection (UPZ) BAZNAS in Cluring District. The results of the study show that the PNS professional zakat fund collection obtained from 9 local government agencies in Cluring District from the establishment of the Zakat Collection Unit (UPZ) of BAZNAS in Cluring District in December 2015 to date is quite effective because every month the collection of professional zakat funds always shows an increase in value.
Analisa Input Output Sektor Pariwisata Di Kabupaten Banyuwangi Muhamad Annas
Jurnal Istiqro Vol 4 No 2 (2018): Juli 2018
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

This study aims to (1) identify linkages of the tourism sector in various economic sectors, (2) to identify the impact of the tourism sector to the economic sector in the views from the output multiplier and income multiplier. These results indicate that the sectors that have relevance to the future (forward linkage) is highest with the agriculture and fisheries sector linkages value directly ahead of 0.6150 and indirect linkages at 1.3429. While the sector has backward linkages (backward linkage), the highest is the manufacturing sector with a value of backward linkages directly at 0.6960 and indirect linkages at 1.0963. Judging from the scatter forward and backward the highest of the tourism sector is a sector group of the restaurant, that is equal to 1.0058 and 1.1364 (DSD> 1; DSB> 1). The coefficient multiplier output is the highest type I is the agricultural sector and the results with a coefficient of 1.958. For type II multiplier output which has the highest coefficient is the livestock sector and fisheries amounted to 2,599. The manufacturing sector is the sector that has the income multiplier coefficients Type I as the highest, 1,874. Meanwhile, for Type II income multiplier of social and community services sector became the sector that has the highest coefficient is 2.392.
Analisa Pengaruh Perubahan Pemakaian Uang Kartal Ke Uang Giral Terhadap Perilaku Konsumen Wening Purbatin Palupi Soenjoto
Jurnal Istiqro Vol 4 No 2 (2018): Juli 2018
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

Money is the second means of payment after the barter pattern that was carried out in the days before the discovery of coins in the VII century BC. Along with the times, the way of barter changed. People exchange goods using symbols or objects. The function of these objects is close to the function of money, but many people find it difficult to determine and determine such exchange rates. Finally, people know exchange with currencies. Technological sophistication is able to change the pattern of money and currency usage into demand deposits which are considered easier and more efficient. Money becomes the current payment instrument for all buying and selling transactions both directly and indirectly. money as a means of payment, as a means of payment of debt, as a hoarding tool or transfer of wealth (capital), and a tool to improve social status. The government's policy began to impose demand deposits as legal tender and began to be widely used by the wider community. With the ease of use of demand money makes it easy for people to make transactions and economic activities which in turn can affect consumer behavior in using demand deposits.
Prinsip-Prinsip Manajemen Syariah Muhammad Nizar
Jurnal Istiqro Vol 4 No 2 (2018): Juli 2018
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

Statistical data show that the number of cooperatives in Indonesia in 2017 reached 153,171 units, with active members recorded at 26.53 million. Among the data is the name Koperasi Syariah Fatayat NU Purwodadi District Pasuruan Regency. This cooperative was established in 2016, with 3 employees in it, because the cooperative is relatively young, so for the sake of sustainability it must have good management, even sharia-based management, because it belongs to Islamic cooperatives. The purpose of this study is to give an overview, that management is a very important thing, with good management, the Koperasi Syariah Fatayat NU in Purwodadi Pasuruan Subdistrict is also getting better.
Optimalisasi Wakaf Di Yordania Muhammad Riza Aziziy
Jurnal Istiqro Vol. 4 No. 2 (2018): Juli 2018
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

This type of research is descriptive research, where the aim is to explain events in the present or the past. This study will present data on the management and development of waqf in Jordan, starting from the formal juridical aspects of the law on representation, the structure of the Ministry of Waqf of Jordan, the role of waqf in economic and social development as well as the potential and obstacles to the development of waqf in Jordan in the future. The result of this study is that the function of the Ministry of Endowments and Islamic Affairs as a regulator in which the coordinative function is attached indirectly encourages the growth of waqf in Jordan, the implementation of programs from the Ministry of Endowments and Religious Affairs there is no definite target of the State every year such as other ministries and utilization of waqf lands have not been widely seen for productive waqf activities.
The Impact Of Leadership, Punishment, And Non-Physical Work Environment On Work Discipline And Employee Performance Wiji Utami; Chaerul Saleh; Satrio Dwi Antoko
Jurnal Istiqro Vol 4 No 2 (2018): Juli 2018
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

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Abstract

This research seeks to analyze the impact of leadership, punishment, and non-physical work environment on work discipline and employee performance in PT. Mitra Maju Mapan Jember. This research could be classified as explanatory research. Using cencus sampling method, the sample of this research was all the employee of PT. Mitra Maju Mapan totaling 87 respondens. The data was analyzed using path analysis. The result showed that leadership, punishment, and non-physical work environment have direct significant effect on work discipline, work discipline have direct significant effect on the employee performance, and leadership, punishment, non-physical work environment have indirect and significant effect on employee performance. This research contributes to knowledge regarding how to improve the work discipline among employee and further increase their performance. As a final point, it will be useful for further studies to compare the results of this study in different company to analyze the similarities and dissimilarities.

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