Islam guarantees a distribution of income that contains human values. For example, the guidance to distribute wealth through zakat, infaq, shadaqah (ZIS) and others in order to maintain harmony in social life. ZIS can be used to open work opportunities in the form of capital assistance, educational assistance, health facility assistance and so on, so that later will be more productive. This paper will specifically examine comprehensively the operation of ZIS and its implementation in realizing prosperity in the perspective of Islamic economics at KSPPS BMT Fajar Metro. This is a field research with a qualitative descriptive approach. The data consists of primary and secondary sources which are then collected by interview, observation and documentation methods. Data analysis through data reduction, data display and drawing conclusions and verification. The interesting findings of this study are, first, that ZIS management operations are divided into two, on the collection of funds and their distribution. Sources of funds for the collection of ZIS funds and other religious social funds. Second, the operational implementation of ZIS in realizing the welfare of society from an Islamic economic perspective can be seen from two aspects, namely according to the Qur'an and hadith as well as Islamic economists.Keywords: Zakat, Infaq, Alms, Welfare, Islamic Economics
Semakin banyaknya pertumbuhan perbankan syariah menimbulkan adanya persaingan antar perbankan syariah dengan berbagai bentuk produk dan pelayanan yang diberikan. Oleh karena itu diperlukan pengukuran tingkat efisiensi kinerja perbankan syariah. Efisiensi merupakan salah satu aspek yang penting dalam melihat kemampuan bank syariah untuk bertahan dan menghadapi persaingan industri perbankan di indonesia. Penelitian ini bertujuan untuk mengetahui efisiensi kinerja perbankan syariah di Indonesia tahun 2014- 2018 dan untuk mengteahui perpektif islam mengenai efisiensi. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan populasi bank syariah devisa yang berjumlah lima bank dan berdasarkan teknik pengambilan sampel purposive sampling, sampel dalam penelitian ini sebanyak 4 bank. Sumber data yang digunakan adalah data skunder. Metode analisis data yang digunakan adalah metode data envelopment analysis (DEA) dan stochastic frontier analysis (SFA) .Hasil penelitian menunjukkan bahwa berdasarkan pengukuran menggunakan metode DEA dengan pendekatan CRS dari 4 BUS devisa pada periode 2014-2018. Terdapat 2 bank pada tahun tertentu memiliki nilai efisiensi <81%, yaitu bank mega syariah 30,38% (tidak efisien) pada tahun 2014, bank muamalat 77,47% (efisiensi sedang) pada tahun 2018. Pada metode SFA menunjukan mean efficiency sebesar 0,3808 dan hanya terdapat 1 bank saja yang mengalami efisiensi tinggi dibandingkan ketiga bank lainnya yang masuk kedalam kategori tidak efisien.
Mobile banking adalah layanan jasa yang disediakan oleh bank yang memungkinkan nasabah dapat melakukan berbagai jenis transaksi kapanpun dan dimanapun melalui media handphone. Layanan ini bukan hanya dimanfaatkan oleh nasabah secara umum, tapi mahasiswa UIN sebagai pelanggan saat ini juga telah memanfaatkan layanan jasa tersebut dalam melakukan pembayaran tagihan kuliah. Namun, sebagian besar mahasiswa masih belum memanfaatkan kemudahan layanan tersebut. Penelitian ini bertujuan untuk mengetahui pengaruh efektivitas dan risiko penggunaan layanan m-banking pada Bank Syariah Indonesia terhadap kepuasan pelanggan. Penelitian ini menggunakan pendekatan kuantitatif. Populasi penelitian ini seluruh mahasiswa UIN angkatan 2019 berjumlah 6.435. Hasil penelitian ini yaitu variabel efektivitas tidak berpengaruh secara parsial terhadap kepuasan pelanggan dalam penggunaan layanan m-banking pada Bank Syariah Indonesia, sedangkan variabel risiko berpengaruh secara positif signifikan terhadap kepuasan pelanggan dalam penggunaan layanan m-banking pada Bank Syariah Indonesia.
The Holy Quran and Sunnah contain universal values that require correct reasoning to be understood and applied by the Muslims. In this context, the scholars have been justified by Allah Almighty to undertake the ijtihād and ijmā’. This study aims to describe the ijtihād jamā’iy (collective ijtihād theory), as well as to analyze the implementation of ijtihād jamā’iy at MUI’s Fatwa Commission in Lampung. This study is a combination of literature and field research. The data were obtained through literature studies of books, articles, and journals in related issues. Besides, the authors also interviewed MUI members to gain deeper information. Theoretically, the contemporary ijmā’ process can be pursued by an independent forum to conduct studies until a consensus is obtained from the majority of the participants. The panel must involve all religious elements in a representative manner. The practice of establishing Islamic law carried out by MUI’s Fatwa Commission of Lampung Province is in accordance with the concept of ijtihād jamā’iy in the science of uṣūl fiqh. This analysis is important so that people have a high level of compliance after knowing that the MUI Lampung fatwa is ijma, which in fact is one of the sources of Islamic law.
This research is based on the problem of decreasing the number of customers of Prudential Syariah Insurance Lampung Branch from 2016-2018, where this is inversely proportional to the Prudential Sharia Insurance of Indonesia. In making a product purchase, premium prices and brand image are considered as important factors as an assessment of a product. This study aims to determine whether there is an influence of premium prices and brand image on the decisions of sharia insurance customers, where this research was conducted on Prudential Sharia Insurance customers.This research uses quantitative methods, data collection uses interviews and questionnaires. While sampling using purposive sampling and accidental sampling techniques and got a sample of 42 respondents, Then test the instrument using the validity test, reliability test, and proceed to the classic assumption test and hypothesis test. The results of this study obtained the value of Thitung for each variable, namely the premium price (X1) of 5.461> 2.021 (Ttable) with a significance value of 0.000 and brand image (X2) of 1.318 <2.021 with a significance value of 0.175. Based on the results of the analysis that has been done, it can be concluded that from the two independent variables that significantly influence the dependent variable, only the premium price variable has a positive effect, which is 5.461 with a Sig 0.000 level.
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