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YAYASAN PERGURUAN TINGGI ISLAM SURAKARTA INSTITUT ISLAM MAMBA’UL ‘ULUM SURAKARTA Unit Pelaksana Teknis Jurnal Jl. Sadewa No. 14 Serengan, Surakarta 57155
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AL HUKMU: Journal of Islamic Law and Economics
Published by Institut Islam Mamba'ul 'Ulum Surakarta
ISSN : -     EISSN : 29639506     DOI : 10.54090
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
AL HUKMU: Journal of Islamic Law and Economics, a peer reviewed scientific publication media that focuses on disseminating research results in the fields of Law and Economics, Fiqh Muamalah and Sharia Economics. This journal is published by the Faculty of Sharia and Islamic Economics at the Institut Islam Mambaul Ulum Surakarta and is published every March and August.
Arjuna Subject : Seni dan Humaniora - Studi Agama
Articles 8 Documents
 1 
Search results for , issue "Vol. 04, No. 1 Maret 2025" : 8 Documents clear
EFEKTIVITAS BIMBINGAN PERKAWINAN KECANTOL KAMU (KELAS CALON PENGANTIN ONLINE-OFFLINE KARANGANOM MAJU UNGGUL) TERHADAP KESIAPAN CALON PENGANTIN DI KUA KECAMATAN KARANGANOM KLATEN TAHUN 2021-2023 Taufiqurrahman, T; Baehaqi, B; Syamsuddin, S
AL HUKMU: Journal of Islamic Law and Economics Vol. 04, No. 1 Maret 2025
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.597

Abstract

The success of marital life depends on the readiness of marriage which consists of psychological readiness, physical readiness, material readiness, and readiness of knowledge about marriage. That is why the Ministry of Religion of the Republic of Indonesia issued the Decree of the Director General of Islamic Community Guidance Number 172 of 2022 which requires prospective brides and grooms to take marriage guidance. Therefore, the Karanganom KUA created the Kecantol Kamu marriage guidance program (Karanganom Maju Unggul Online-Offline Prospective Bride Course) as a step to provide provisions for prospective brides and grooms in realizing a household that is sakinah, mawadah and rahmah. This research is a field research. This research was conducted at the Religious Affairs Office (KUA) of Karanganom District, Klaten in February - March 2024. Data collection using interview, observation and documentation methods. The subjects of this study were the Head of the KUA Karanganom and the Islamic Religious Counselor of the KUA Karanganom. The research informants were participants in the Kecantol Kamu marriage guidance and facilitators of the Kecantol Kamu marriage guidance of the KUA Karanganom. Data analysis uses data reduction techniques, data display, and conclusion drawing/verification. To test the validity of the data, the Credibility, Transferability, Dependability, and Confirmability test techniques are used. Based on the results of the study, the author concludes: First, the implementation of the Kecantol Kamu marriage guidance at the KUA Karanganom in 2021 - 2023 has been in accordance with the technical instructions for implementing marriage guidance. Second, the Kecantol Kamu marriage guidance at the KUA Karanganom is effective in providing conceptual and mental readiness to prospective brides and grooms in entering the marital lifee, the Kecantol Kamu marriage guidance at the KUA Karanganom is also effective in reducing the divorce rate.
STRATEGI PEMASARAN PRODUK KEUANGAN SYARIAH DALAM MENARIK MINAT NASABAH STUDI KASUS BSI KCP. PASAR KLIWON SURAKARTA Rifai, Fajar; Sulistyowati, S; Nissa, Izzun Khoirun
AL HUKMU: Journal of Islamic Law and Economics Vol. 04, No. 1 Maret 2025
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.600

Abstract

ABSTRACT : Strategic planning is a comprehensive, integrated, and guiding plan for a company to achieve its goals. It involves not only operational planning but also strategic planning, planning, execution, and management of resources to ensure the success of the company. Strategic planning is also a response to changing business environment and competitiveness. Bank Syariah Indonesia (BSI) implements various strategic plans to increase the market share of its syariah products. These include traditional methods, such as the Surat Permohonan and Flyering, and door-to-door strategies. Traditional methods involve preparing the product for sale and distributing flyers to potential customers. Door-to-door strategies involve delivering the product to customers at home or in the office, fostering personal connections between the bank and the customer. In the modern era, the use of technology, data, and consumer behavior has become increasingly important. The use of technology in marketing strategies enables companies to create, launch, and optimize marketing campaigns more effectively and efficiently. Data analysis is a crucial part of data management, as it helps in gathering, analyzing, and modeling data. Bank Syariah Indonesia (BSI) has implemented various data analysis methods to enhance its marketing efforts and customer satisfaction. In conclusion, strategic planning is a crucial aspect of a company's success, and BSI has implemented various strategies to achieve its goals. Keywords : Bank Syariah Insonesia (BSI), Marketing strategy of Islamic financial products, customer interest in Islamic financial products.
ANALISIS DETERMINAN PADA PROFITABILITAS BANK SYARIAH INDONESIA PADA TAHUN 2017-2022 Arisanti, Ayu Fajar; Sulistyowati, S; Nissa, Izzun Khoirun
AL HUKMU: Journal of Islamic Law and Economics Vol. 04, No. 1 Maret 2025
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.605

Abstract

profitability is the company's ability to generate profits in a certain period, in order to see the company's performance achievements. This research aims to determine the impact of Financing to Deposite Ratio (FDR) and Non-Performing Financing (NPF) on Return On Assets (ROA) at Indonesian Sharia Banks in 2017-2022. The method used is a quantitative research method with multiple linear regression analysis using secondary data in the financial reports of Bank Syariah Indonesia. The results of this research show that simultaneously the independent variables FDR and NPF have a significant effect on profitability (ROA). Simultaneously, FDR has an insignificant negative effect on profitability (ROA), and NPF has a significant negative effect on profitability (ROA).
EFEKTIVITAS UU NOMOR 16 TAHUN 2019 DALAM PENCEGAHAN PERNIKAHAN DI BAWAH UMUR DI KUA KECAMATAN KARANGANYAR TAHUN 2018-2023 Hafshoh, H; Wibowo, Muhammad Kurniawan Budi; Pradana, Aditya Fajri Kurnia
AL HUKMU: Journal of Islamic Law and Economics Vol. 04, No. 1 Maret 2025
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.612

Abstract

underage marriage is still a significant problem in Indonesia, even though the minimum age for marriage has been raised to 19 years through the enactment of Law Number 16 of 2019. This study aims to evaluate how effective the regulation is in preventing underage marriage at the Religious Affairs Office (KUA) of Karanganyar District in the period 2018-2023. This ressearch will use a descriptive qualitative method with the type of empirical legal research, data collection through interview techniques, observation and document studies. The results of the study show a decrease in the number of underage marriages from 2022 to 2023, but environmental, social, cultural and educational factors are still the main obstacles in implementing the regulation. New findings from this study indicate that from the implementation of the Law, the number of permits at the Religious Courts is higher because the minimum age for marriage has been increased.
PENERAPAN PRINSIP SYARIAH PEMBIAYAAN DI KOPERASI SIMPAN PINJAM SYARIAH BAITUL MAL WAT TAMWIL CAHAYA INSAN SUKOHARJO Putra, Muh Dhzuhri Esha; Sulistyowati, S; Nissa, Izzun Khoirun
AL HUKMU: Journal of Islamic Law and Economics Vol. 04, No. 1 Maret 2025
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.614

Abstract

This study analyzes customer perceptions of sharia financing at the Baitul Maal Wat Tamwil Cahaya Insan Barokah Sukoharjo Savings and Loan and Financing Cooperative. The main focus is to understand how the sharia financing system is implemented and accepted by the community. The Islamic economic system, which prioritizes the principle of profit sharing and synergy between commercial and social aspects, has become a significant alternative in Indonesia's economy. Internal factors, such as the majority of the Muslim population, and external factors, such as the development of the global sharia economy, are the main drivers. This study uses a qualitative method with a case study approach to explore the effectiveness and challenges faced by sharia cooperatives in meeting customer needs while still complying with sharia principles. The results of the study show that sharia cooperatives can be an important instrument in improving the economic welfare of the community while still being based on Islamic values.
STUDI ANALISIS PUTUSAN PENGADILAN AGAMA KLATEN NOMOR 1708/PDT.G/2023/PA.KLT TENTANG CERAI KARENA SYIQOQ Yulianto, Rahmat; Baehaqi, B; Sulistyowati, S
AL HUKMU: Journal of Islamic Law and Economics Vol. 04, No. 1 Maret 2025
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.618

Abstract

The main problem for those seeking justice through the courts is related to the decision of the panel of judges, not a few of them seek justice but instead get injustice or those who are innocent but when processed in court are the ones who are guilty, this is closely related to the process, legal considerations and conformity with religious norms, this research aims to determine the legal considerations and analysis of Islamic family law regarding this decision. This research uses qualitative research methods. The data collection technique uses field research techniques, namely documentation, direct interviews with judges at the Klaten religious court in order to obtain complete data sources and observations. Data analysis uses qualitative analysis, while testing the validity of the data is carried out through credibility, transferability, dependability and confirmability tests. In this research the author describes the court decision regarding Syiqoq divorce. The research and analysis results show that the legal basis used by the panel of judges in deciding cases is article 39 (2) of Law No. 1. As well as following the recommendations of Islamic law, namely Al-Qur'an surah An-Nisa' verse 35 and Al-Baqoroh verse 231, advice to judges to always be fair and adhere to applicable law.
ANALISIS TERHADAP FAKTOR PENYEBAB PERNIKAHAN WANITA HAMIL DI LUAR NIKAH DI DESA PANDANAN, KECAMATAN WONOSARI, KABUPATEN KLATEN TAHUN 2023 Arifin, Usman Azis; Syamsuddin, S
AL HUKMU: Journal of Islamic Law and Economics Vol. 04, No. 1 Maret 2025
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.619

Abstract

This research aims to answer the question of what are the causal factors regarding the marriage of pregnant women out of wedlock in Pandanan Village, Wonosari District, Klaten Regency, as well as how Islamic law analyzes the causal factors regarding the marriage of pregnant women in Pandanan Village, Wonosari District, Klaten Regency. The data sources in this research are community leaders. In collecting data, we used interview and document observation techniques to obtain data in the form of data about the causal factors regarding the marriage of pregnant women out of wedlock. Analysis of the data that has been collected in this research is using a qualitative descriptive method, which aims to analyze cases of pregnant women out of wedlock in Pandanan Village, Wonosari District, Klaten Regency. The results of this research explain that: The causes of pregnancy out of wedlock in Pandanan Village,Wonosari District, Klaten Regency are divided into several factors, namely first, the education system in this country does not form piety. Second, the media and the environment are driving teenagers' sexual desires to become increasingly uncontrolled. Third, family education has not become a family bulwark against immorality, including promiscuity. Fourth, society is indifferent to free association. Fifth, the state does not carry out its function as administrator and protector of the people.
IKHTILAT DALAM PRESPEKTIF SYARIAT : BAHAYA, BATASAN DAN KONTEKS SOSIAL MODERN Pratama, Dika Aji
AL HUKMU: Journal of Islamic Law and Economics Vol. 04, No. 1 Maret 2025
Publisher : Institut Islam Mamba'ul 'Ulum Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54090/hukmu.779

Abstract

This article examines the phenomenon of ikhtilat (mixing between non-mahram men and women) from the perspective of Islamic law, accompanied by a description of the dangers and limitations and conditions that allow it in modern society. This study is motivated by the increasing social interaction between genders in public spaces, education, the world of work, and social media. This research is qualitative with a literature study method from primary and secondary sources such as the Qur’an, hadith, tafsir books and the opinions of classical and contemporary scholars. Based on the results of the study, it is known that the mixing of non-mahram men and women results in violations of slanderous matters that damage morals. All Islamic jurisprudence scholars agree that ikhtilat is basically not permitted in a society except in certain conditions, such as in education, medicine, work and emergencies, with sharia requirements such as lowering the gaze, covering the genitals, behaving, not being alone together, and avoiding khalwat. This article is dedicated to the community, especially non-mahram men and women, to understand and practice social etiquette in accordance with Islamic law and experience changes in the understanding of the boundaries of ikhtilat which can be said to be modern.

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