Sharia Cooperative Research Articles

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.

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.

Pengaruh Pelayanan, Nisbah Bagi Hasil, Dan Pengetahuan Koperasi Syariah Terhadap Keputusan Menabung Anggota KSPPS BMT Surya Abadi Riyanto Cabang Seputih Raman

This study aims to determine the effect of service, profit sharing ratio, and knowledge of Sharia Cooperatives on the decision to save members of KSPPS BMT Surya Abadi Riyanto Seputih Raman Branch. There is still a lack of people who decide to save or become members of KSPPS BMT Surya Abadi Riyanto, Seputih Raman branch, which is caused by several factors such as, from the perspective of members who save, there are still many complaints from members regarding poor service, inadequate facilities, and the views of members who are still minimal about Islamic cooperatives. In this study using analytical tools, namely SPSS (Static Package For Social Science). This study uses a type of Quantitative research, with a population of ± 3000 members, and a sample determined using the Slovin formula of 100 respondents. By doing several tests, namely, Validity Test, Reliability Test, Normality Test, Multicollinearity Test, Heteroscedasticity Test, Multiple Regression Analysis, t test, F test and Determinant Test (R2). Based on the results of the simultaneous test, it is obtained that the significant value is 0.000 <0.05 and the F-count value is 1231.804> 2.699, which means that there is a simultaneous influence between the Service variable (X1), Profit Sharing Rate (X2), and Sharia Cooperative Knowledge (X3) on the Saving Decision variable (Y). While the figure for R square is 0.975 or 97.5%. This shows that Service, Profit Sharing Rate, and Sharia Cooperative Knowledge have an effect of 97.5% on the Saving Decision of KSPPS BMT Surya Abadi Riyanto Branch Seputih Raman Members. The results showed that simultaneously Service, Profit Sharing Rate and Sharia Cooperative Knowledge had a significant effect on Member Saving Decisions, KSPPS BMT Surya Abadi Riyanto, Seputih Raman Branch should improve Services both in terms of facilities and infrastructure owned such as adding a queuing system, replacing employee support tools that have been worn out, provide a Profit Sharing Rate that is more profitable for members who save, and further educate or provide information so that members and prospective members (the public) have good Sharia Cooperative Knowledge such as products and services offered by KSPPS BMT Surya Abadi Riyanto, Seputih Raman Branch, so as to increase the Decision to Save Members and Prospective Members.

Pendidikan Koperasi dalam Memahami Konsep Dasar Operasional Koperasi Syariah pada Koperasi Simpan Pinjam dan Pembiayaan Syariah Baitul Maal Wattamwil Forsitama Kabupaten Sleman Daerah Istimewa Yogyakarta

Sharia cooperatives in carrying out operations must be in accordance with sharia principles, this is the basic operational concept for Sharia cooperatives so that every business carried out does not conflict with Sharia principles so that it brings blessings to cooperative managers, members, and the community. This is what administrators and managers of Sharia cooperatives need to understand, namely through cooperative education, one of which is organized by the Sharia Savings and Loans and Financing Cooperative (KSPPS) Baitul Maal Wattamwil (BMT) Forsitama, Sleman Regency, Yogyakarta Special Region. The aim of implementing this cooperative education is to provide an understanding of the basic operational concepts of sharia cooperatives for administrators and managers of KSPPS BMT Forsitama, Sleman Regency, Special Region of Yogyakarta so that they are able to increase knowledge for managing sharia cooperatives. The method used in cooperative education is the lecture method which is assisted by showing visual material, followed by questions and answers and discussions to solve problems that arise, accompanied by solutions. Through this cooperative education, the administrators and managers of KSPPS BMT Forsitama, Sleman Regency, Yogyakarta Special Region have been able to understand the basic operational concepts of sharia cooperatives, namely using contracts. musyarak muwafadhah with the principle of ta'awun or mutual cooperation which refers to the sources of Islamic Law (the Al-Qur'an and Hadith), the Fatwa of the National Sharia Council of the Indonesian Ulema Council and the laws and regulations in force in Indonesia.

Analisis Penerapan PSAK 101 pada Penyajian Laporan Keuangan Koperasi Syariah BMT Itqan

Baitul Maal Wa Tamwil (BMT) is a sharia-based cooperative, so sharia accounting principles must be applied in presenting its financial reports. This principle is based on the Statement of Sharia Financial Accounting Standards (PSAK) No. 101 concerning the Presentation of Sharia Financial Reports. The presentation of financial reports in accordance with PSAK 101 consists of 7 complete financial reporting components, including: balance sheet, profit and loss report, cash flow report, change report equity, reports on sources and utilization of zakat funds, reports on sources of use of charity funds, and notes to financial reports. This research aims to analyze and determine the application of financial report presentation in one of the 1,351 cooperatives in the city of Bandung, namely the BMT itQan Sharia Cooperative. The research method used to research this research is a descriptive research method with a qualitative approach. The techniques used in this research are observation, interviews and documentation using data analysis methods, data reduction, data presentation, as well as conclusions and verification. The results of this research conclude that there are several mandatory financial reports such as the financial position report, profit and loss report and change in equity report that are not in accordance with PSAK 101. For reports on the source and distribution of zakat funds, reports on the source and use of benevolent funds are made separately. in the Baitul Maal division so that it does not become a perfect series of financial report presentations. The cash flow statement is appropriate, and notes to the financial statements have not been made.