Sharia Cooperative Research Articles

Islamic Law Review of Sharia Cooperative Practices in Indonesia

This paper examines the practices of Sharia cooperatives in Indonesia through an Islamic law perspective, focusing on their adherence to Sharia principles, the effectiveness of existing legal frameworks, and the operational challenges they face. Utilizing a comprehensive literature review, the study reveals that while Sharia cooperatives aim to provide ethical financial solutions, many struggle with compliance due to inadequate understanding of Islamic finance, regulatory ambiguities, and governance issues. The findings highlight the importance of enhancing regulatory clarity, establishing robust Sharia supervisory bodies, and fostering continuous education among cooperative managers and staff. By addressing these challenges, Sharia cooperatives can better align their practices with Islamic law and contribute to the broader Islamic finance ecosystem in Indonesia.

Sharia Cooperatives in Indonesia as an Effort to Create a Sustainable Economy

This article provides background regarding the development of sharia cooperatives in Indonesia as part of efforts to create a more inclusive and sustainable economy. Sharia cooperatives exist as an alternative that is in accordance with Islamic economic principles, emphasizing economic, moral and ethical aspects of doing business. Even though they are still faced with various challenges, the growth of sharia cooperatives shows a significant impact in empowering communities, especially in areas that were previously less accessible to conventional financial institutions. This article aims to provide a deeper understanding of sharia cooperatives in Indonesia, including history, recent developments, basic principles, roles and challenges faced. The research method used is literature study, by collecting data from various references such as books, articles and journals. The article also reviews regulations that support sharia cooperatives, basic concepts, governance, and the history of their development. By exploring various information related to sharia cooperatives, it is hoped that this article can provide a comprehensive picture of the current condition of sharia cooperatives as well as their potential and challenges in the future.

Diversifikasi Sumber Keuangan Perguruan Tinggi Melalui Pendirian Koperasi Syariah

The quality of higher education does not only talk about the Tri Dharma of Higher Education, but many other aspects that must be improved, including from the financial side. There needs to be diversification (diversity of financial sources) as an effort to improve the quality of education through other financial sources. One of the solutions that can be done is through the establishment of Sharia Cooperatives. This study aims to determine the effectiveness of diversifying financial resources of higher education through sharia cooperatives. The object of this research is STAI Ki Ageng Pekalongan. This research is descriptive research with a qualitative approach. The data collection techniques carried out are observation (observation), interviews, and documentation. The results of this research analysis conclude that through the establishment of sharia cooperatives in STAI Ki Ageng Pekalongan can help in diversifying financial resources. The presence of sharia cooperatives can reduce dependence on only one source of income and can be used to improve the quality of education at STAI Ki Ageng Pekalongan.

The Influence of Transformational Leadership and Islamic Work Ethics on Employee Productivity With Motivation as an Intervening Variable (Case Study of the Banda Madani Sharia Cooperative, Banten)

The Influence of Transformational Leadership and Islamic Work Ethics on Employee Productivity With Motivation as an Intervening Variable (Case Study of the Banda Madani Sharia Cooperative, Banten)

Systematic Literature Review Analisa Faktor-faktor yang Mempengaruhi Minat Mayarakat dalam Menggunakan Layanan di Koperasi Syariah

The aim of this research is to analyze factors that can influence people's interest in using services in sharia cooperatives, where sharia cooperatives have an important role in the economy after banking. This research uses qualitative methods, using the Publish or Perish application to analyze various journals that already exist on Google Scholar. which includes behavioral research on why people choose sharia cooperatives to use the services offered by sharia cooperatives. After that, what variables are found that influence members to want to use services at sharia cooperatives and then analyzed and identified. Using the method of collecting research results based on the reasons why people are interested in choosing to use services in sharia cooperatives that are not yet available, the results of this research can be used as evaluation material and become the basis for sharia cooperatives in designing strategies with significant variables that continue to develop or progress. The results of the analysis show that factors such as trust or religiosity, social and knowledge about sharia cooperatives themselves influence people's decisions in using services at sharia cooperatives. These findings provide insight or can be used as evaluation material for cooperative managers to increase community participation in using services in cooperative institutions.

Quality and Promotion Analysis of Members' Decisions in Applying for Musyarakah Financing at KKS Kencong

In business, many things must be considered regarding operations, marketing, and services, including the world of financial institutions, both Sharia and conventional. KKS Nur Indah Abadi is a Sharia Cooperative that is growing rapidly. Of course, establishing the Nur Indah Abadi Kencong KKS will attract members and improve member policies by understanding members' hopes and needs. This research aims to determine the influence and analyze quality and promotion on the decisions of Nur Indah Abadi Kencong KKS members. This research has three independent variables: promotion quality variables X1 and X2, and one dependent variable, the member decision variable. The data analysis method in this research uses multiple regression analysis. The primary data collection tool used a questionnaire distributed to Nur Indah Abadi Kencong KKS members in this study, totaling 45 respondents. The high correlation coefficient shows that improving product quality and promotions strongly contributes to increasing member decisions in musyarakah financing at KKS (Consumer Sharia) Nur Indah Abadi Kencong. The research results show that partial quality and promotion positively and significantly affect member decisions.

Faktor-Faktor Yang Menyebabkan Terjadinya Pembiayaan Bermasalah Pada Akad Al-Qardh di Koperasi Syariah Majelis Ta’lim Masjid Al-Arif Kota Bandung

The occurrence of problematic financing will have a negative impact on the financial condition of cooperatives and affect the income of sharia cooperatives. Therefore, with the phenomenon of Al-Qardh financing problems at the Sharia Cooperative of the Ta'lim Council of Al-Arif Mosque in Bandung, researchers are interested in conducting research entitled Factors Causing the Occurrence of Problematic Al-Qardh Financing in the Sharia Cooperative of the Ta'lim Al-Arif Council of Bandung City. The research method used by researchers is descriptive qualitative method. Al-Qardh financing is one of the products in the Sharia Cooperative Cooperative Majelis Ta'lim Masjid Al-Arif, this product also has many enthusiasts. There is a problematic financing that occurs in the Sharia Cooperative of the Ta'lim Council of Al-Arif Mosque which is triggered by two factors, namely internal and external factors. Internal factors include the lack of careful analysis and application of the values contained in the 5C principle by the cooperative to the character of members so that there are some members who are difficult when collecting their obligations, while the external factors are the impact of the Covid-19 pandemic and the lack of ability of members to manage money in the business they run, causing losses that have an impact on the difficulty of paying bill obligations to the cooperative.

The Influence of Reciprocity and Trust on Satisfaction of Members of Sharia Cooperatives in Indonesia: A Social Capital Perspective

Islamic Micro Finance Institution in the form of sharia cooperatives called Baitul Maal wa Tamil or BMT have grown significantly in Indonesia in the past four decades, and have contributed to improvements of livelihood of their members and poverty eradication. Using the social capital theory, this study aims to investigate whether trust and reciprocity are factors that influence satisfaction of members BMTs in Indonesia. The study gathered 200 respondents from eight sharia cooperatives in six provinces of Indonesia. Using multiple regression models, the collected data was tested and further analyzed using SPSS 24.0 Software. This research found that Reciprocity and Trust have a positive and significant influence on the Satisfaction of sharia cooperative members. Sharia cooperative management can apply the results of this research to improve cooperative performance by building mutually beneficial and trusting relationships with its members. The results of this study can be generalized to sharia cooperatives, while the application to conventional cooperatives needs to be further studied. This research provides empirical evidence for the application of Social Capital Theory in explaining the factors influencing the satisfaction of sharia cooperative members that was not studied before.

ANALISIS FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA NO: 141/DSN-MUI/VIII/2021TENTANG PEDOMAN PENDIRIAN DAN OPERASIONAL KOPERASI SYARIAH

Cooperatives according to the Fatwa of the National Sharia Council-Indonesian Ulema Council, NO: 141/DSN-MUI/VIII/2021 concerning guidelines for the establishment and operation of sharia cooperatives, sharia cooperatives are business entities consisting of one person or a cooperative legal entity that bases its activities on cooperative principles as well as as a people's economic movement based on the principle of kinship based on sharia principles. This research will try to examine the background of the Fatwa of the National Sharia Council-Indonesian Ulema Council, No: 141/DSN-MUI/VIII/2021 concerning Guidelines for the Establishment and Operation of Sharia Cooperatives and try to see the ijtihad method used by the MUI using the nash qathi, qawli and manhaji approaches. Analyzing the background of the fatwa here uses the concept of maslahah murlah to determine the benefits of determining the fatwa. Based on the research results, it was found that the background in making the fatwa was to try to provide an answer to the legal certainty of sharia cooperatives in response to the request from the Ministry of Cooperatives and SMEs and to emphasize that existing sharia cooperative businesses are in accordance with the provisions of Islamic law.

The Role of the Supervisory Board in the Development of Sharia Cooperatives in Aceh After the Enactment of the Sharia Financial Institutions Law

The Role of the Supervisory Board in the Development of Sharia Cooperatives in Aceh After the Enactment of the Sharia Financial Institutions Law

The Effect of Leadership Style and Organizational Culture in Determining the Employee Performance of Koperasi Syariah During Pandemic Covid-19 at South Cimahi Region

Successful organizations have main characteristics that differentiate them from failed organizations, namely leadership that is dynamic and effective, strong in vision and firm in attitudes and principles, able to anticipate the future of the organization and take opportunities from existing changes so that it can direct the organization to achieve the goal. deliberately. The purpose of this research is to test and analyze the influence of Leadership Style and Organizational Culture on the Employee Performance of Sharia Cooperative (Koperasi Syariah) in South Cimahi Region, both simultaneously and partially. This research is quantitative. The research method used was descriptive and verification to analyze employees of the South Cimahi Region Sharia Cooperative, with a sample of 50 employees. Based on the results of research and discussion, it was found that Leadership Style shows a strong relationship influence on employee performance compared to organizational culture in the medium category. This shows that the better the leadership style, the better the employee's performance. Organizational culture and employee performance will follow. It can be concluded that the transformational leadership style can change the South Cimahi Regional Sharia Cooperative to the concept of struggle. The transformation of the South Cimahi Regional Sharia Cooperative was born from the breakthrough of its leaders who were firm, innovative, and brave.

Socialization and Counseling of Sharia Cooperatives in Tulusayu Village on The Existence of Kanindo Syariah Cooperative

Socialization and Counseling of Sharia Cooperatives in Tulusayu Village on The Existence of Kanindo Syariah Cooperative

Penerapan Penerapan PSAK No. 102 di BMT UGT Nusantara Cabang Pamekasan

PSAK No. 102 covers recognition and measurement, presentation and disclosure in murabahah financing in Sharia Cooperatives and Sharia Financial Institutions to sell or buy, as well as the implementation of murabahah transactions for cooperatives or Sharia financial institutions. Until now, many people are interested in murabaha financing. The number of enthusiasts who use murabaha financing, then automatically in murabaha financing will often be recorded transactions. The purpose of this study is to determine how the application of PSAK 102 at BMT UGT Nusantara Pamekasan Branch. By using qualitative methods with a case study approach and type of field research. Sources of data obtained through primary data and secondary data, which primary data to the deputy branch head, AOAP and teller, as well as secondary data in the form of financial reports from BMT UGT Nusantara Pamekasan Regency Branch. Based on the results of his research, in BMT UGT Nusantara Pamekasan Branch is in accordance with PSAK 102, but there are some points that are not yet appropriate and still need to be refined by BMT. Such as BMT does not provide murabahah without orders, BMT does not provide collateral other than motorcycle BPKB, BMT does not measure inventory at cost, BMT does not have significant risks associated with inventory ownership and BMT does not provide penalties.

ANALISIS PERAN KOPERASI SYARIAH BAGI MASYARAKAT

This research aims to determine the role of sharia cooperatives in improving welfare and the mechanism for distributing productive financing to the community, especially traders around the Medan Tasbih Complex. The research method used is descriptive analytical research using data collection through field observation, interviews and documentation. The results of this research show that the BMT Al-Musabbihin sharia cooperative has provided many benefits for the community to gain prosperity and be free from the detrimental practice of usury and reduce the dependence of small traders from financial institutions on conventional banks and loan sharks. The BMT AL Musabbihin sharia cooperative has played a role in providing business credit to increase business capital through savings and loan credit, namely providing investment capital to its members, especially among Small and Medium Enterprise (SME).

ANALYSIS OF FEASIBILITY OF MURABAHAH SELLING PRICES IN CONFORMITY TO THE MUI FATWA (Case Study of the Salimah Multi-Business Cooperative in Singkawang City)

This thesis is the result of research that discusses the appropriateness of the murabahah selling price for the suitability of the MUI DSN Fatwa in the Salimah multi-business cooperative (KUSUMA) in Singkawang City. This research refers to sharia cooperatives carrying out their business based on Islamic law in accordance with the applicable regulations issued by the MUI DSN Fatwa which is also regulated in Law No. 2 of 1992 article 87 paragraph 3 concerning cooperatives where cooperatives can run their business on the basis of economic principles. sharia. One of them is in buying and selling transactions that use the Murabaha selling price system. Sharia cooperatives must state the selling price held by both parties in principle which includes the range of initial value and margin desired as a profit from the sharia system. In order to avoid incidents that become risk factors in murabahah transactions, it is necessary to determine standard prices.Keywords: Sharia Cooperative; Murabahah Selling Price, Margin, DSN MUI Fatwa

Peran Dewan Pengawas Syariah Terhadap Perkembangan Bisnis Koperasi Syariah di SMA Negeri 4 Praya Kabupaten Lombok Tengah Tahun 2021/2022

The Sharia Cooperative at State Senior High School 4 Praya has recorded remarkable profit increases for three consecutive years. In 2020, they achieved a profit of IDR 90,045,658, which then saw rapid growth in 2021, reaching IDR 109,491,289, marking a growth of IDR 19,445,631. Not stopping there, the year 2022 was an even more impressive achievement with profits reaching IDR 164,032,600, indicating strong performance and the ability to maintain significant growth momentum. This study indicates that the factors influencing the business development of the Sharia Cooperative at State Senior High School 4 Praya include: a) Member Participation, b) Management Professionalism, c) External Factors. In the context of the cooperative's success at State Senior High School 4 Praya, it is heavily influenced by the complex interaction between member participation, management professionalism, and external factors. The role of the Sharia Supervisory Board in enhancing the business development of the Sharia Cooperative at State Senior High School 4 Praya includes: a) Supervisor, b) Advisor, c) Marketer, d) Supporter, e) Player. In the context of supervision and control, the Sharia Supervisory Board not only monitors but also provides guidance and support to ensure that the Sharia Cooperative can achieve its goals by adhering to Sharia principles, enhancing business development, and providing benefits to its members. The success of the Sharia Supervisory Board in its roles significantly contributes to the growth and sustainability of the Sharia Cooperative at State Senior High School 4 Praya.

A sustainable blue economy: blockchain and internet of things integration in tourism villages

Coastal areas have a wealth of marine and river fisheries resources that have great potential to be developed. This potential is utilized by various parties to make utilization efforts including fishing activities; conservation; ports; and marine cultivation; and coastal and aquatic tourism. Problems that currently occur in coastal areas include: (a) illegal fishing, (b) damage to ecosystems in coastal and marine areas, (c) not optimal utilization, (d) unsustainable development, (e) leakage of development due to corruption and injustice. The research methodology used is descriptive and qualitative research with framework analysis, which means framework analysis techniques. This analysis technique is carried out by conceptualizing the system through a structure that describes the connection between one variable and another in a systematic and detailed manner. The findings of this study provide innovative solutions for the application of financial and marketing technology through blockchain and the Internet of Things (IoT) can increase the productivity of fishermen, internal control, financial transactions, and reliable marketing strategies in helping business entities run their business processes. The management of regional potential independently and integrated can be collaborated through community empowerment and the role of village government through village-owned enterprises (BUMD) based on Sharia cooperatives in villages in coastal areas of Indonesia. So that the productivity of fishermen and government agencies in tourist villages can increase.

Peran Koperasi Syariah Dalam Meningkatkan Perekonomian Masyarakat Desa Harapan Makmur

The purpose of writing this research is to find out the role of Sharia Cooperatives in improving the economy of Harapan Makmur Village Community. This type of research is qualitative research. Research reveals phenomena or events by explaining, describing / describing in clear and detailed words through language that is not aimed at numbers / numbers. Qualitative research is research that solves problems using empirical data. This research technique uses inductive techniques based on specific facts, then analyzed and finally found a general problem solving. The result of the research is that the existence of a Sharia Cooperative in Harapan Makmur Village is very helpful as a solution to the wheels of the community economy. With this Sharia Cooperative, the income of members of the Harapan Makmur Village Sharia Cooperative has increased. Harapan Makmur Village Sharia Cooperative has a positive influence on Cooperative members, because in addition to being a capital provider, Sharia Cooperatives also make people avoid practices that are prohibited in Islam such as Maysir, Gharar, and Riba.

Peran Aktif Masyarakat Terhadap Koperasi Syariah Di Kabupaten Pringsewu

Sharia cooperatives are a type of cooperative whose goals, principles and business activities are based on sharia principles. This principle refers to Islamic law which is based on fatwas issued by the National Sharia Council of the Indonesian Ulema Council. This research aims to determine the role of the community in improving sharia cooperatives in Pringsewu Regency. The study was conducted using a qualitative research study. The impact of sharia cooperatives can encourage people, especially business people, to achieve and develop the businesses they start. Sharia cooperatives focus on principles that do not involve the practices of usury, gharar and maysir. Through this approach, sharia cooperatives help keep us away from actions that are forbidden by Allah. One practice that must be avoided in sharia cooperatives is applying for capital loans to loan sharks.

EKONOMI KERAKYATAN DALAM PERSPEKTIF EKONOMI SYARI'AH

The concept of people's economy is one of the instruments of the economic system in Indonesia. The birth of this concept was motivated by the economic downturn at that time. During the 1997 monetary crisis in Indonesia, many economic collapses occurred. However, the concept of people's economics is still able to stand tall with the principle of mutual cooperation in developing the economy. Likewise, the concept of sharia cooperatives is currently continuing to increase by prioritizing the concept of family. The library research research approach is used to make it easier to describe research results. This is obtained through books, journals, articles and other documents relevant to the discussion theme. The results of this research show that the concept of people's economics is able to provide solutions in the development of sharia cooperatives in Indonesia. By prioritizing the principle of mutual help (at-ta'awun), people will have more confidence in transactions in sharia cooperatives. There are at least three basic components of a people's economy in developing a sharia economy, namely, the principle of togetherness, power belonging to the people and prioritizing the people at large.