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Currently, the majority of Indonesia's population is dominated by Generation Z and Millennials. The presence of the Millennial Generation and Generation Z, can be an opportunity in collecting zakat in the midst of the demographic bonus. Although generation z is said to have not been able to provide assistance with a large nominal directly to the community, they can provide new creative ideas and can change people's perspectives in terms of Islamic philanthropy, especially zakat. The purpose of this study is to analyze zakat collection strategies, especially those carried out digitally by the zakat institution like Lazismu Jawa Timur and also to provide solutions to optimize zakat collection by utilizing an online platform. The use of the online platform owned by Lazismu Jawa Timur is very important to use, both websites for digital payments and social media, considering that the use of online platforms facilitates efficiency in collection and provides donors regarding matters literacy of zakat in published content in order to attract public interest to donate. This study uses qualitative research methods that are descriptive analytical case studies. The results of this study indicate that the role of generation z can support digitalization in literacy regarding zakat on social media for zakat institutions.

Human resources are the main support system for managing tourist villages. The main support system should be managed well. Managing human resources can reflected by empowering them to develop new skills based on their need to elaborate on the region’s potency. The region potency consists of culture, tourism place, and heritage. The aim of the research is to know about the correlation between empowerment and human resources in Ranu Pani Tourist Village and Sanan Tourist Village. This study used quantitative research. The data was collected using questionnaire. Data analysis was performed using descriptive, quantitative data. The result of this research is that the test distribution is normal by 0.871. The data were normal with a significance level of 0.55. The distribution number was greater than or greater than the significance number. The second was about ANOVA test. Based on ANOVA, the result was F= 56.245. This mean that there was a significant correlation between empowerment and human resources. Empowerment does influence human resources and human resources may influence empowerment. Even though there is significant correlation between empowerment and human resources, empowerment is still important for people particularly around village tourists. Society will be change quickly, and they need readiness to face the fast changing. Fast changing and society reflecting where does they live. Empowerment includes developing skills, abilities, knowledge and competency that need to be advanced around tourist villages. Human resources are the success or failure of tourist.

Purpose This study aims to discuss the model of community-based cooperation between pesantren businesses, using case study approach toward an Indonesian pesantren community. Design/methodology/approach The data in this research are gathered through through in-depth interviews with Hebitren managements and forum group discussion with the stakeholders of the Hebitren, which includes Hebitren managements themselves, Bank Indonesia and several related ministries. Findings The results show that pesantren business cooperations in Indonesia is related in Sustainable Development Goals (SDGs). This cooperation model is expected to be able to contribute in the effort to accomplish SDGs, which include: no poverty (SDGs 1), quality education (SDGs 4) and partnership for the goals (SDGs 17). Research limitations/implications The models of pesantren business cooperation are not comprehensive because of the various characteristics of pesantren and its model business. Moreover, Hebitren is one of national forum for business pesantren. So, that the results are possibly applicable. Practical implications This research highlights the importance of pesantren’s business unit cooperation management by improving the quality of human resources and business’s infrastructures. This study is a new research model that comprehensively discusses the pesantren community as a form of economic and business development. Originality/value To the best of the authors’ knowledge, this paper is the first model of inter-pesantren business unit network in a pesantren business community comprehensively.

The main objective of this research is to see the potential that supports the implementation of sharia principles in the Batu City tourism sector. The tourism sector studied consists of hotels, restaurants and food, travel agencies and tourist areas. The next objective is to see the economic benefits that will be produced in the future with the application of sharia principles in the tourism sector. This study uses descriptive qualitative methods conducted by interviews, observations and questionnaire tools to see the response generated through a Likert scale. The results of this study indicate that parties related to the tourism sector provide a positive response to the application of sharia principles in the tourism sector, which will provide economic benefits for industry players, the public, and the government.

Penelitian ini bertujuan untuk mendeskripsikan peran pondok pesantren An-Nur II Al-Murtadlo dalam pemberdayaan ekonomi masyarakat sekitarnya, ditinjau dari perspektif ekonomi islam. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan strategi studi kasus. Teknik analisis dengan mendasarkan pada preposisi teoritis, yaitu mengikuti preposisi teoritis yang menuntun studi kasus. Teknik keabsahan data menggunakan teknik triangulasi sumber, yaitu menguji kredibilitas data yang telah diperoleh dengan mengeceknya melalui beberapa sumber. Pengumpulan data dilakukan melalui wawancara, observasi dan dokumentasi. Hasil penelitian menunjukkan Pondok Pesantern An-Nur II Al-Murtadlo memiliki amal-amal usaha diantaranya usaha berupa SPBU, koperasi pondok pesantren, bengkel, Bank Wakaf Mikro dan juga budidaya perikanan. Amal-amal usaha tersebut menjadikan Pondok pesantren An-Nur II Al-Murtadlo ini bisa memberdayakan ekonomi masyarakat sekitar dengan merekrut masyarakat sekitar untuk dijadikan karyawan dari beberapa amal usaha yang dimiliki pondok pesantren, Pondok pesantren An-Nur II Al-Murtadlo juga membuka peminjaman dana (tanpa agunan dan bunga) di Bank Wakaf Mikro milik pondok pesantren bagi masyarakat yang ingin membuka usaha sendiri atau ada keperluan lain. Pondok pesantren An-Nur II Al-Murtadlo juga melakukan pendistribusian tahunan berupa parcel saat Idul fitri dan juga hasil qurban saat Idul adha. Pondok pesantren An-Nur II Al-Murtadlo juga membuka kerjasama dengan para masyarakat seperti disediakan stan untuk masyarakat yang ingin berjualan saat pondok pesantren mengadakan bazaar atau acara pengajian umum, masyarakat sekitar juga bisa bekerja sama dengan pihak pondok pesantren seperti menitipkan barang dagangannya ke pihak pondok pesantren (menitipkan di kantin & koperasi pondok pesantren); Kata Kunci: pondok pesantren, pemberdayaan ekonomi, masyarakat sekitar, ekonomi Islam ABSTRACT This study aims to describe the role of the An-Nur II Al-Murtadlo Islamic boarding school in the economic empowerment of the surrounding community, from an Islamic economic perspective. This research uses a descriptive qualitative approach with a case study strategy. The analysis technique is based on theoretical prepositions, namely following theoretical prepositions that guide case studies. The data validity technique uses the source triangulation technique, which is to test the credibility of the data that has been obtained by checking it through several sources. Data collection was carried out through interviews, observation and documentation. The results showed that the An-Nur II Al-Murtadlo Islamic Boarding School has business charities including business in the form of gas stations, Islamic boarding school cooperatives, workshops, Micro Waqf Bank and fisheries cultivation. These charitable efforts have enabled the An-Nur II Al-Murtadlo Islamic boarding school to empower the economy of the surrounding community by recruiting local people to become employees of several charitable businesses owned by the Islamic boarding school. (without collateral and interest) in the Micro Waqf Bank belonging to the Islamic boarding school for people who want to open their own business or have other needs. Pondok Pesantren An-Nur II Al-Murtadlo also distributes annual parcels during Eid al-Fitr and also qurban results during Eid al-adha. The An-Nur II Al-Murtadlo Islamic boarding school also opens cooperation with the community, such as providing stands for people who want to sell when the boarding school holds a bazaar or general recitation event, the surrounding community can also cooperate with the Islamic boarding school such as entrusting merchandise to the boarding school. pesantren (entrusted to the canteen & pesantren cooperative) Keywords: Islamic boarding schools, economic empowerment, local communities, Islamic economy

Penelitian ini bertujuan untuk mengetahui dampak pengelolaan dana infaq dan sedekah di Krembangan PCM Kota Surabaya terhadap program pemberdayaan masyarakat eks lokalisasi PSK Tambak Asri. Metode yang digunakan adalah deskriptif kualitatif dengan metode studi kasus. Sumber data dalam penelitian ini adalah beberapa pengurus PCM Krembangan di Surabaya dan anggota program pemberdayaan diantaranya eks PSK dan masyarakat di bekas wilayah lokalisasi Tambak Asri serta hasil pengelolaan dana shadaqah infak oleh PCM Krembangan. Hasil penemuan data di lapangan kemudian dikaitkan dengan beberapa teori antara lain keberhasilan bisnis, keberhasilan pemberdayaan, tamkin, kegagalan pemberdayaan dan kegagalan bisnis. Hasil penelitian menunjukkan bahwa terdapat pengaruh pengelolaan zakat di PCM Krembangan Surabaya terhadap pemberdayaan masyarakat baik dari segi ekonomi, agama dan sosial serta tamkin. Hal ini ditunjukkan dengan meningkatnya indikator keberhasilan usaha informan, pemenuhan kebutuhan dasar dan tambahan, peningkatan tingkat keimanan dan partisipasi sosial masyarakat, dan tamkin. Selain itu, ada beberapa faktor yang menyebabkan program pemberdayaan tidak berjalan maksimal. Kata Kunci: Dampak, Pemanfaatan, Donasi Infaq, Pemberdayaan ABSTRACT This study aims to determine the impact of the management of infaq and alms funds in the Krembangan PCM Surabaya City in the community empowerment program for former prostitute localization of Tambak Asri. The method used is qualitative-descriptive with a case study method. Sources of data in this study are several administrators of PCM Krembangan in Surabaya and members of the empowerment program including former prostitute and communities in the former localization area of Tambak Asri and the results of the management of shadaqah infak funds by PCM Krembangan. The results of data discovery in the field are then linked with several theories including business success, empowerment success, tamkin, empowerment failure and business failure. The results of the study indicate that there is an impact of the management of alms donations at PCM Krembangan in Surabaya on community empowerment in terms of economic, religious and social and tamkin aspects. This is indicated by an increase in the indicators of the success of the informants' business, the fulfillment of basic and additional needs, an increase in the level of faith and social participation in the community, and tamkin. Besides, there are several factors that cause the empowerment program to not run optimally. Keywords: Impact, Utilization, Infaq Donation, Empowerment

The purpose of this study was to find out how the welfare of mosques’ marbot in Surabaya from the perspective of maqashid syariah. Research on welfare is based on the phenomenon that occurs in research subjects. The subject of this research is the mosques’ marbot located in Surabaya by taking 4 mosques as the samples with the most number based on typology. This research uses a qualitative method with a descriptive approach. After the interview, the results of the study were analyzed using descriptive data analysis techniques by narrating the results of the interview and direct narration. The findings of this study are the welfare of the mosques’ marbot can not be said to be fully prosperous because many aspects have not been fulfilled, but for the mosques’ marbot not only measures sustenance based on material ownership alone but also peace of mind that is obtained because they are always close to the mosque. On the other hand, the mosques have also provided rewards and facilities that are considered appropriate to support the life and performance of the mosques’ marbot.Keywords: welfare, mosque marbot, sharia maqashidREFFERENCEAl-Faruq, Asadullah. (2010). Panduan lengkap mengelola dan memakmurkan masjid. Solo: Pustaka Arafah.Al-Fauzan, A. b. (2008). Fiqih seputar masjid, penerjemah Ahmad Yunus. Jakarta: Pustaka imam syafi’i.Athiyyah, Muhyi al Din. (1992). Al kasysyaf al iqtishadi li ayat al qur’an al karim. Riyadh: Al Dar al Ilmiyah Lil Kitab al Islami.Bakri, Asyafrijaya. (1996). Konsep maqashid syariah menurut Assyatibi. Jakarta: Lentera Abadi. Chapra, M. Umer. (2000). Islam dan pembangunan ekonomi, edisi terjemahan. Jakarta: Gema Insani Press.Chapra, Umer. (2001). Masa depan ilmu ekonomi (Sebuah tinjauan Islam). Jakarta: Gema Insani Press.Dewan masjid Indonesia. (2003). Buku panduan praktis manajemen pengelolaan masjid, edisi pertama. Surabaya: PW DMI Jawa Timur.

This study aimed to describe and analyze the role of social capital, as seen from the interrelation of networks, norms, and beliefs in improving the welfare of the community under the indicators of Maqashid Syariah. This study employed a qualitative approach with a case study strategy. Besides, this study has an analysis unit in the form of social capital and improvement of the welfare of the community who received scholarship assistance from Baitul Maal Hidayatullah of Surabaya. Also, data collection was carried out by interview and direct observation of the research object. The analysis technique utilized in this study was an explanatory analysis technique by explaining the results of interviews and direct observation. The study results reveal that social capital with norms, networks, and trust indicators play a role in improving the welfare of the community seen from the aspects of Maqashid Syariah.Keywords: Social capital, Welfare, and Maqashid SyariahREFFERENCE Al-Faizin, Abdul Wahid dan Nashr Akbar. (2010). Tafsir ekonomi kontemporer kajian tafsir al-qur’an tentang ekonomi Islam. Jakarta: Madani Publishing House.Amalia, Euis. (2009). Keadilan distributif dalam ekonomi Islam penguatan peran LKM dan UKM di Indonesia. Jakarta: PT. RajaGrafindo Persada.Chapra, Umer. (2001). Masa depan ilmu ekonomi (sebuah tinjauan Islam. Jakarta: Gema Insani Press.Field, John. (2010). Modal sosial. Bantul: Kreasi Wacana.Widayani, Retno dan Nisa Agistiani Rachman. (2003). Studi kemunculan modal sosial.Jurnal Kebijakan dan Administrasi Publik, 17(2), 1-75Yin, Rober K. (2010). Studi kasus design & metode. Jakarta: Raja Grafindo Persada.

This study aims to analyze the role of the Riyadhul Jannah Islamic Boarding School in community economic empowerment in Pacet Village, Mojokerto. This study uses a qualitative research approach to understand phenomena about what is experienced by research subjects, such as subjects, perceptions, motivations, actions, and so forth. The results showed that the Riyadhul Jannah Islamic boarding school had a role in community empowerment around the boarding school. The role of Islamic boarding schools is shown by the activities of the business units of PT. Rijan Dinamis Selaras which involve communities around the boarding schools so that the benefits can be felt directly by the people of Pacet Village and its surroundings.Keywords: Economic Empowerment, Islamic Business, Islamic CommunitiesREFFERENCE Dhofier, Zamakhsyari Dhofier. (2011). Tradisi pesantren studi tentang pandangan hidup kyai. Jakarta: LP3ES.G, Sumudiningrat. (2000). Visi dan misi pembangunan pertanian berbasis pemberdayaan. Yogyakarta: IDEA.Steenbrink, Karel. (1986). Pesantren madrasah sekolah, pendidikan islam dalam kurun modern. Jakarta: Dharma Aksara.Hirokoshi, Hiroko. (1987). Kiai dan perubahan sosial. Jakarta: Perhimpunan Pengembangan Pesantren dan Masyarakat (P3M).Fauroni, Lukman. R. (2014). Model bisnis ala pesantren: Filsafat ukhuwah menembus hypermarket memberdayakan ekonomi umat. Yogyakarta: Kaukaba.Soekamto, Soerjono. (2009). Sosiologi suatu pengantar. Jakarta: Rajawali Press.Qomar, Mujamil. (2008). Pesantren: Dari transformasi metodologi menuju demokrasi institusi. Jakarta: Penerbit Erlangga.Madjid, Nurcholis. (1997). Bilik-bilik pesantren: Sebuah potret perjalanan. Jakarta: Paramadina.Maulana, Mirza. Al-Kautsari. (2014). Pemberdayaan masyarakat berbasis pondok pesantren (studi pondok pesantren ASWAJA lintang songo desa sitimulyo, piyungan, Bantul). Skripsi tidak diterbitkan. Yogyakarta: Fakultas Dakwah dan Komunikasi Universitas Islam Negeri Sunan Kalijaga.Yin. Robert. K. (2008). Studi kasus: Desain dan metode. Jakarta: PT. Raja Grafindo.

The purpose of the study was to find out the title role of Pesantren believer Cooperative Mandiri Sidoarjo towards economic empowerment and independence employee boarding schools. The research method used is a descriptive qualitative approach to the case study method. Data collection was carried out by interviews and direct observation to informants, namely those in charge of pesantren, cooperative and cooperative employees (santri). And secondary data collection comes from journals, text books and other literature. The result of this study is the Mukmin Mandiri Pesantren Cooperative plays a major role in enhancing the empowerment of cooperative employees (santri) and playing an optimal role in supporting the independence of the cottage. The economic empowerment of pesantren employees conducted by the Mukmin Mandiri Pesantren Cooperative is by making the Cooperative a work field, a place to apply knowledge and a place to increase income. As for the independence of the cottage, that is to become the main source of funding for Islamic boarding schools in carrying out operations and the sustainability of Islamic boarding schools. Going forward, the Cooperative will further optimize the empowerment of union employees (santri) to print better students in the field of entrepreneurship and religion. Keywords: Cooperative Boarding School, Economic Empowerment, Independence of Islamic Boarding Schools REFERENCES Azyumardi, A. 1997. Pesantren, Kontinuitas, dan Perubahan Dalam Bilik-Bilik Pesantren: Sebuah Potret Perjalanan . Jakarta: Paramadina. Bakhri, Mokh. Syaiful. 2011. Sukses Ekonomi Syariah Di Pesantren: Belajar dari Kopontren Sidogiri, Koperasi BMT MMU, Sidogiri dan Koperasi BMT UGT Sidogiri. Pasuruan : Penerbit Cipta. Blanchard, K, PC John dan R. Alan. 1998. Pemberdayaan Memerlukan Waktu Lebih Dari Semenit (terjemahan oleh Zoelkifli Kasip) Jakarta: Interaksa Burhanudin. 2010. Prosedur Mudah Mendirikan Koperasi . Yogyakarta: Pustaka Yustisia Djumransjah, H. M. 2001. Pendidikan Pesantren dan Kemandirian Santri. Jurnal Ilmi Pendidikan, Jilid 8, Nomor 2 Hutomo, Mardi Yatmo. 2000. Pemberdayaan Masyarakat dalam Bidang Ekonomi: Tinjauan Teoritik dan Implementasi. Jakarta : Bappenas. Kartasasmita, Ginandjar, Ekonomi Rakyat: Memadukan Pertumbuhan dan Pemerataan; Jakarta: CIDES, 1995. Madjid, Nurcholish. 2009. Bilik-Bilik Pesantren . Jakarta: Paramadina Mastuhu. 1994. Dinamika Sistem Pendidikan Pesantren: Suatu Kajian Tentang Unsur dan Nilai Sistem Pendidikan Pesantren. Jakarta: INIS Maulana, Mirza, Al-Kautasari. 2014. Pemberdayaan Masyarakat Berbasis Pondok Pesantren (Studi Pondok Pesantren ASWAJA Lintang Songo Desa Sitimulyo, Piyungan, Bantul). Skripsi. Fakultas Dakwah Dan Komunikasi Universitas Islam Sunan Kalijaga. Megarani, R. R. S. 2010. Strategi Pemberdayaan Santri di Pondok Pesantren Hidayatullah Donoharjo Ngaglik Sleman Yogyakarta . Skripsi. Fakultas Dakwah. Universitas Islam Negeri Sunan Kalijaga Yogyakarta Moleong, Lexy J. 2017. Metodologi Penelititan Kualitatif. Bandung: Remaja Rosda Karya Muhakamurrohman, A. 2014. Pesantren: Santri, Kiai, dan Tradisi. Jurnal Kebudayaan Islam. Vol. 12 (2), Juli-Desember. 109-118 Muhammad. 2007. Lembaga Ekonomi Syariah. Yogyakarta: Graha Ilmu Muttaqin, R. 2011. Kemandirian dan Pemberdayaan Ekonomi Berbasis Pesantren. Jurnal Ekonomi Syariah Indonesia. Vol. 1(2): 65-94. Qomar, Mujamil. Pesantren Dari Transformasi Metodologi Menuju Demokrasi Institusi, Jakarta Erlangga, 2006 Qomar, Mujamil. Pesantren Dari Transformasi Metodologi Menuju Demokrasi Institusi, Jakarta Erlangga, 2008 Rahmat, Ginanjar. 2014. Pemberdayaan Masyarakat Sebagai Bagian Dari Pembangunan Ekonomi Lokal . Skripsi. Departemen Ilmu Kesejahteraan Sosial, Universitas Indonesia Depok Jakarta Rosyidi, S. (2006). Pengantar Teori Ekonomi: Pendekatan Kepada Teori Ekonomi Mikro dan Makro . Raja Grafindo Persada, Jakarta. Sabiq, As-Sayyid. 1993. Fiqh As-Sunnah . Beirut: Dar al-Kitab al-Araby Sanin. 2008. Eksistensi Koperasi di dalam Pembangunan dan Pengembangan Pesantren (Studi Kasus di Pondok Pesantren An-Nur II Bululawang Malang) . Skripsi. Jurusan Ilmu Pendidikan Sosial, Fakultas Tarbiyah. Shihab, Quraish. 2002. Tafsir Al-Mishbah. Jakarta: Lentera Hati Solichin, M.M. (2012). Kemandirian Pesantren di Era Reformasi. Jurnal Nuansa, Vol. 9, No. 1, Januari – Juni 2012. Subagyo, Ahmad. 2015. Manajmeen Operasi Lembaga Keuangan Mikro Syariah. Jakarta: Mitra Wacana Media Sudjarmoko, Bedy. 2013. Identifikasi Faktor Penentu Dalam Peningkatan Adopsi Benih Unggul Kakao Oleh Petani . Jurnal TDIP 2(3), 123-132 Sugiyono. 2012. Memahami Penelitian Kualitatif. Bandung: Alfabeta Suhendi, Hendi. 2002. Fiqh Muammalah. Jakarta: PT Raja Grafindo Sumodiningrat, Gunawan. Membangun Perekonomian Rakyat, (Yogyakarta: Pustaka Pelajar 1998). Sutrisno, Edi. 2009. Manajemen Sumber Daya Manusia (Edisi Pertama) . Jakarta: Kencana Prenada Media Group Walsh, M. 2002. Pondok Pesantren dan Ajaran Golongan Islam Ekstrim: Studi Kasus di Pondok Pesantren Modern Putri ‘Darur Ridwan’ Parangharjo, Banyuwangi Jawa Timur. ACICIS Program Fakultas Ilmu Sosial dan Politik. Malang: Universitas Muhammadiyah Malang Yin, Robert K. 2015. Studi Kasus : Desain dan Metode. Jakarta: Raja Grafindo Persada. Yusuf, C. dan Suwito, NS (2009). Model Pengembangan Ekonomi Pesantren . Purwokerto: STAIN Press Zuhriy, M. Syaifuddien. 2011. Budaya Pesantren dan Pendidikan Karakter Pada Pondok Pesantren Salaf. Walisongo, Vol.19 No.2

Sharia Board is an commite in sharia financial institution and assigned overseeing the implementation of the decisions of the National Sharia Board (DSN) in Islamic financial institutions. Sharia Board functions to supervise sharia compliance in sharia financial institutions including the Baitul Maal Waat Tamwil (BMT). BMT is a sharia micro finance institution that combines the concept of maal and tamwil . This study aims to determine the problems faced by the Sharia Board in conducting supervision in BMT. The point that is necessary reviewed in this supervisory practice are based on Decree MUI DSN No. 3 of 2000 concerning instructions for implementing the determination of members of the sharia board in sharia financial institutions. This study use qualitative methods with descriptive case study strategy. From the results of the research occur several problems were encountered by the Sharia Board including: lack of the professionalism of Sharia Board, lack of commitment, lack of independence, and challange to mobilize all elemnts os sharia financial institution to comply with sharia law.The sloution of the problematic is by upgrade an increase faith and taqwa ang commitment to enforce sharia especially as the Sharia Board. always implementing the principles of Good Corporate Governance, and the governmemt making strong and clear rules of sharia supervisions.Keywords: Problematic , Sharia Board , Baitul Maal Wat Tamwil

The research objectives were to find out the suitability of the murabahah contract on home ownership financing of Bank Jatim sharia business unit. The research objects were the employees of Bank Jatim Sharia who were competent in the field of financing analyst for Griya iB Barokah KPR (public housing loan). This research used descriptive qualitative approach. The data collection was conducted by interviewing five employees of Bank Jatim sharia business unit. The results of this study was, there were four points that were used as references for conducting research, namely prices, guarantees, fines, bad financing of KPR products which in practice were in accordance with DSN-MUI fatwas. Additionally, some did not.Keywords: murabahah contract, sharia KPR, DSN-MUI fatwas, Bank Jatim sharia business unitREFFERENCESAntonio, Muhammad Syaf’i. 2001. Bank Syariah : dari teori ke praktek. Jakarta: Gema Insani.Arifin, Zainul. 2009. Dasar-Dasar Manajemen Bank Syariah. Jakarta: Kelompok Pustaka Alvabet.Ascarya. 2011. Akad dan Produk Bank Syariah. Jakarta: PT. Rajawali Pers.Bungin, Burhan. 2005. Penelitian Kualitatif: Komunikasi, Ekonomi, Kebijakan Publik dan Ilmu Sosial Lainnya. Jakarta. Balai Pustaka.HariHaris, Helmi. 2007. Pembiayaan Kepemilikan Rumah (Sebuah Inovasi Pembiayaan Perbankan Syariah). Jurnal Ekonomi Islam La Riba vol.1 No.1 (online) (http://journal.uii.ac.id) diakses pada 7 Agustus 2015.Ibrahim, Ahmad. 2006. Manajemen Syariah. Jakarta: PT Raja Grafindo Persada.Ismail. 2011. Perbankan Syariah. Jakarta: PT Fajar Interpratama Offset.Karim, Adiwarman. 2007. Bank Islam Analisis Fiqh dan Keuangan. Jakarta: PT Rajawali Pers.Kountur, R. 2004. Manajemen Risiko. Jakarta: Abdi Tandur.Kuncoro, Mundrajad. 2002. Manajemen Perbankan: Teori dan Aplikasi. Yogyakarta: BPFE Yogyakarta.Manullang. 2006. Dasar-Dasar Manajemen. Yogyakarta: Gadjah Mada University Press.Muhammad. 2000. Sistem dan Prosedur Operasional Bank Syariah. Yogyakarta: UII Press.Muhammad. 2004. Manajemen Dana Bank Syariah. Yogyakarta: Ekonisia.Muhammad. 2005. Bank Syariah : Analisis Kekuatan, Peluang, Kelemahan dan Ancaman. Yogyakarta: Ekonisia.

Financing using a sale and purchase contract is one of the most dominant financing in Islamic financial institutions. One of the Islamic microfinance institutions namely baitul maal wat tamil has two types of sale and purchase agreements on its financing products, namely the contract of sale and purchase of murabahah and bai bithaman ajil. This study discusses the concept of financing based on the sale and purchase contract, namely murabahah and bai bithaman ajil on baitul maal wat tamwil (BMT) Pahlawan Tulungagung. The things that need to be reviewed in the practice of the ajabahah and bai bithaman contract are adjusted to the points in the DSN-MUI Fatwa on murabahah financing. This study uses qualitative methods with descriptive case study strategies. Data collection through interviews with four respondents consisting of financing managers, managers and two members of the financing of buying and selling financing and documentation. Interpretation and conclusions are made by linking between data obtained in interviews and documentation. The results of the study show that the concept of financing murabahah and bai bithaman ajil in BMT Pahlawan is not fully in accordance with the DSN-MUI Fatwa regarding the purchase of goods. However, this is still tolerated because of the limitations of BMT to purchase goods which then applies the Al-hajatu tunazzilu rule, manzilata al-dharurah, which is a requirement or need to occupy an emergency position so that the purchasing system is allowed.Keywords: Financing, Murabaha, Bai bithaman ajil, DSN-MUI, BMT Pahlawans

The background of this research is the existence of massive infrastructure development by the government, one of which is the construction of the Surabaya-Mojokerto Toll Road. The construction process of the Surabaya-Mojokerto Toll Road passes through the land and buildings owned by residents, and including to waqf land. One of the waqf land affected by the construction process of the Surabaya-Mojokerto Toll Road is the Sabilun Najah Mosque. This phenomenon encourages researchers to raise research that discusses how the waqf istibdal process, both in terms of changes in waqf assets and in the administration process of licensing. This study uses a qualitative approach with a case study strategy. Data collection is done through interview techniques with relevant parties and related documents. The data analysis technique used is making explanations. The results of this study indicate that the process of changing the waqf assets of the Sabilun Najah Mosque runs in accordance with statutory procedures. The waqf istibdal process consists of the process of changing the waqf property and the licensing administrative process. The process of changing waqf property consists of planning, implementation, coordination between toll management and nazir, searching for replacement land, replacing land replacement processes, and the process of building a new mosque. The second process consists of a licensing process that starts from nazir, the Office of the Ministry of Religion Sidoarjo Regency, and the Regional Office of the Ministry of Religion of East Java.Keywords: implementation, waqf, waqf istibdal, mosque, land acquisition, toll road, Surabaya-Mojokerto Toll RoadREFFERENCESAlquran Kementerian Agama RepublikIndonesiaDirektorat Pemberdayaan Wakaf DirektoratJenderal Bimbingan Masyarakat IslamDepartemen Agama. Fiqih Wakaf.Direktorat Pemberdayaan Wakaf. 2007.Paradigma Baru Wakaf di Indonesia,Cet 1. Jakarta: Dirjen Bimas IslamDirektorat Pengembangan Zakat dan Wakaf.2005. Wakaf Tunai dalam PerspektifHukum Islam. Jakarta: TPHalim, Abdul. M.A. 2005. Hukum Perwakafandi Indonesia. Jakarta: Ciputat Press.Kahf, Monzer. 2006. al-Waqf al-IslamiTaṣawwuruhu, Idaratuhu,Tanmiyatuhu. Damaskus: Dar al-FikrKarim, Shamsiah Bte Abdul. 2010.Contemporary of Shari’a ComplianceStructuring for the Development andManagement of Waqf Asset inAchmad, et al/Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 9 September 2019: 1924-1935;IMPLEMENTASI WAKAF ISTIBDAL DALAM PEMBEBASAN LAHAN PEMBANGUNAN JALAN TOL (STUDIKASUS PEMBANGUNAN JALAN TOL SURABAYA-MOJOKERTO)10Singapore. Kyoto Bulletin of IslamicArea Studies pp. 143–164.Mugniyah, Muhammad Jawad. 2010. FiqhLima Madzhab: Ja’fari, Hanafi, Syafi’i,Hambali. Jakarta: Lentera.Mukhlisin, Muzarie. 2010. Hukum Perwakafandan Implikasinya TerhadapKesejateraan Umat (ImplementasiWakaf di Pondok Modern DarussalamGontor) cet 1. Jakarta: KementerianAgamaPeraturan Pemerintah Nomor 42 Tahun 2006tentang Pelaksanaan Undang-UndangNomor 41 Tahun 2004 tentang Wakafdan Kompilasi Hukum IslamPeraturan Pemerintah Republik Indonesia No.8 Tahun 1990 Tentang Jalan TolPeraturan Pemerintah Republik IndonesiaNomor 25 Tahun 2018 tentangPerubahan Atas PeraturanPemerintah Nomor 42 Tahun 2006Tentang Pelaksanaan Undang-Undang Nomor 41 Tahun 2004Tentang Wakaf Dalam Undang-Undang Nomor 41 Tahun 2004tentang WakafSugiyono. 2012. Metode Penelitian KuantitatifKualitatif dan R&D. Bandung:Alfabeta.Undang-Undang Nomor 26 Tahun 2007Tentang Penataan Ruang.Undang-Undang Nomor 41 Tahun 2004tentang WakafWirartha, I Made. 2006. Metodologi PenetilianSosial Ekonomi. Yogyakarta: CV AndiOffset.Yin, Robert. K. 2009. Studi Kasus; Desain danMetode. Jakarta: Raja GrafindoPersada.bpjt.pu.go.id/ (laman Badan Pengatur JalanTol)www.jasamarga.com (laman Jasa Marga)https://bwi.or.id/ (laman Badan WakafIndonesia)https://katadata.co.id/ (laman perusahaanmedia dan riset berita ekonomi danbisnis)https://www.kpu.go.id/ (laman KomisiPemilihan Umum Republik Indonesia)

The development of Islamic finance currently reaching a high stage by creating a varied and innovative financial product. One such product development is the musyarakah mutanaqishah and ijarah muntahiya bittamlik contracts, where the two contracts are attractive and have similiar mechanisms. Ijarah muntahiya bittamlik contract in Islamic finance more appear first than the contract musyarah mutanaqishah. But musyarakah mutanaqishah contract more widely used in the current sharia banking, ijarah muntahiya bittamlik contract more can be found in leasing and purchasing companies. The paper analyzes the application of musyarakah mutanaqishah contract on syariah banking and the reason sharia Jatim Bank prefer to apply the contract musyarakah mutanaqishah from ijarah muntahiya bittalmik contract. Then this paper also presents the advantages musyarakah mutanaqishah contract and lack of ijarah muntahiya bittamlik contract, which in the end musyarakah mutanaqishah contract more widely applied to Islamic banks, in Surabaya particular. Data analysis of this paper using case study analysis method. Where it has the conclusion that Bank Jatim Syariah Surabaya in taking a decision to choose a contract that will be applied to see from the contribution of the contract in the sharia banking. Other than in the tendency to choose some contract, Bank Jatim Syariah Surabaya also pay attention contract which is considered fo fulfill market requirement and have easy mechanism, so that doesn’t complicate employees of Bank Jatim Syariah Surabaya.Keywords: Election Policy, Musyarakah Mutanaqisah, Ijarah Muntahiya Bittamlik, Bank Jatim Syariah SurabayaREFERENCESAscarya. 2015. Akad dan Produk Bank Syariah. Jakarta: RajaGrafindo PersadaDsnmui.or.id diakses pada 14 April 2018 pukul 21.41Erinda, Aisyah ., et. al.2016. Analisis Faktor-faktor Preferensi Pelanggan Dan Pengaruhnya Terhadap Keputusan Pembelian(Studi Terhadap Pelanggan McDonald’s di Indonesia dan Malaysia). Malang: Universitas BrawijayaHijrianto, Didik. 2010. Pelaksanaan Akad Pembiayaan Ijarah Muntahiya Bittamlik Pada Bank Muamalat Indonesia Cabang Mataram. Semarang: Universitas Diponegorohttps://tafsir.com diakses pada tanggal 10 Juni 20018 pukul 23.03Kotler, Philip. 2000. Manajemen Pemasaran. Edisi Milenium, Jakarta: PrehallindoMuchtar, Bustari., et. al. 2016. Bank dan Lembaga Keuangan Lain. Jakarta: KencanaMuhamad. 2016. Manajemen Pembiayaan Bank Syariah. Yogyakarta: UPP STIM YKPNMunawir, S. 1997. Analisis Laporan Keuangan. Yogyakarta: LibertyNaf’an. 2014. Pembiayaan Musyarakah dan Mudharabah. Yogyakarta: Graha IlmuSantoso, Hurun dan Anik. 2015. Analisis Pembiayaan Ijarah Pada Perbankan Syariah. Surakarta: STIE-AASUsman, Husaini. 2009. Manajemen Teori, Praktik, Dan Riset Pendidikan. Jakarta: Bumi AksaraWibowo, Edy dan Untung Hendi Widodo. 2005. Mengapa Memilih Bank Syariah?. Bogor : Ghalia Indonesiawww.ojk.go.id diakses pada tanggal 16 Februari 2018 pukul 12:25Yin, Robert K. 2008. Studi Kasus: Desain dan Metode. Jakarta: Rajagrafindo Persada

Islamic boarding school can train a santri’s Independence and it can be reflected after a santri becomes an alumni, such from economic welfare. This study aims to determine whether the consumption practice of alumni Islamic boarding school is in line with Islamic welfare or not . The research method used is descriptive qualitati ve approach by using case study on alumni of Miftachus Sunnah Islamic boarding school. Data collection is done by in-depth interview, observation, and documentation. The validation technique used by source and technique triangulation . The a nalysis technique used is Miles- Huberman’s. The five areas of maqashid sharia in dharuriyyat level stand as an indicator of Islamic welfare . The results showed that the consumption practice of alumni of Miftachus Sunnah based on the values (justice, responsibility, and guarantee) and basic principles (efficiency, adequacy, freedom, balance, and solidarity) of Islamic economic behavior in the achievement and guarding of maqashid sharia indicate the suitability. Key words: Consumption behavior, values of Islamic economic, principal of Islamic economic, and maqashid sharia. REFERENCES AlQur’an danHadits. Al-Ghazali, Abu Hamid Muhammad bin Muhammad.tt. Al-Mustashfa. Jilid II. Fakultas Syariah Universitas Islam Madinah Nama pengarang. Tahun. Judul. Nama penerbit atau volume. As-Syatibi, Ibrahim bin Musa. 1997. Al- Muwafaqat. Jilid II. Al-Aqrabiyah: Dar Ibnu Affan. Chaudhry, Muhammad Sharif. Tanpa Tahun. Sistem Ekonomi Islam: Prinsip Dasar.Terjemahan oleh Suherman Rosidi. 2012. Jakarta: Kencana. DITPONTREN. 2016. Analisis dan Interpretasi Data pada Pondok Pesantren, Madrasah Diniyah (Madin), Taman Pendidikan Qur’an (TPQ) Tahun Pelajaran 2014-2015 Fadli, Adi. 2012. Pesantren: Sejarah dan Perkembangannya. EL-HIKAM: Jurnal Pendidikan dan Kajian Keislaman, Vol. V Nomor 1, Januari – Juni: 29-42 Nata, Abdullah. 2011. Studi Islam Komprehensif. Edisi Pertama, Cet. ke-1. Jakarta : Kencana. Nizar, Samsul (Editor). 2007. Sejarah Pendidikan Islam. Jakarta: Kencana. Poerwadarminto, WJS. 1999. Kamus UmumBahasa Indonesia. Jakarta: Balai Pustaka. Pusat Pengkajian dan Pengembangan Ekonomi Islam. 2008. Ekonomi Islam. Edisi Kesatu. Jakarta: PT Raja Grafindo Persada --------. 2014. Ekonomi Islam. Edisi Kesatu. Cet. ke-6. Jakarta: PT Raja Grafindo Persada. Samuelson, Paul dan William D Nor Hans. 1993. Ekonomi. Jilid I. Jakarta:Airlangga. Sanusi, Uci. 2012. Pendidikan Kemandirian Di Pondok Pesantren (Studi Mengenai Realitas Kemandirian Santri di Pondok al-Istiqlal Cianjur dan Pondok Pesantren Bahrul Ulum Tasikmalaya). Jurnal Pendidikan Agama Islam- Ta’lim, Vol. 10 No. 2: 123- 139 Sugiyono. 2012. Metode Penelitian Kualitatif dan Kuantitatif R&D. Bandung: Alfabeta Yin, Robert K. 2002. Studi kasus: Desain dan Metode, Terjemahan. Jakarta: PT. Raja Grafindo Persada. -------------. 2009. Studi kasus: Desain dan Metode, Terjemahan. Jakarta: PT. Raja Grafindo Persada. Zuhriy, M. Syaifuddien. 2011. Budaya Pesantren dan Pendidikan Karakter pada Pondok Pesantren Salaf. Walisongo, Vol. 19, No. 2, November:287-310

This research aimed to find out what the takmir's management of Namira mosque was and its impact on society based on maqashid Syariah perspective. It based on the phenomenon that happened in the research object. The research object was the Namira mosque, which is located in Jotosanur village, Lamongan. This research used a qualitative method with a descriptive approach. After interviewing, the results of the research were analyzed by using descriptive data analysis technique. The result of the research showed that how much the operational funds were that takmir of Namira mosque needed, and it was not very often that lack of funds was covered by the family foundation of Namira mosque. Then, the impact caused by the implementation of Rupiah zero-balance that the funds were used to donate to the activities taking place in the Namira mosque has been fulfilled based on maqashid Syariah.Keywords: Infaq, Mosque, Welfare, Maqashid Syariah.REFERENCESAl-Qur’an danTerjemahannya. 2013. Departemen Agama Republik Indonesia. Arifin, Gus. 2016. Keutamaan Zakat Infak, Sedekah. Jakarta: PT. Elex Media Komputindo.Bungin, Burhan. 2005. Metodologi Penelitian Kualitatif: Komunikasi, Ekonomi, dan Kebijakan Publik serta Ilmu-Ilmu Sosial Lainnya. Jakarta: Kencana.Fauzia, Ika Yunia Dan Abdul Kadir Riyadi. 2014. Prinsip Dasar Ekonomi Dasar Islam Perspektif Maqashid Al Syariah. Jakarta: Kencana. Hafidhuddin, Didin. 2007. Agar Harta Berkah Dan Bertambah. Jakarta: Gema Insani Press.ICMI Orsat Cempaka Putih, Fokkus Babinrohis Pusat. 2004. Pedoman Manajemen Masjid. Jakarta: Yayasan Kado Anak Yatim. Sholihin, Ahmad Ifham. (2010). Buku Pintar Ekonomi Syariah. Jakarta: Pt. Gramedia Pustaka Utama. Shidiq, Sapiuddin. 2011. Ushul Fiqh. Jakarta: Kencana.Yin, Robert K, 2003. StudiKasus: Desain Dan Metode. Jakarta: Raja GrafindoPersada.Sumber Berasal dari Internet:bps.go.id: September: 2018simas.kemenag.go.id: Februari: 2018

This research is aimed to figure out and explain the role of social capital by seing from the correlation of networks, norm, and belief to improve the welfare of the community with maqashid syariah indicator. Qualitative research method and case study were used in this research as the strategy. This research possess an unit analysisof social capital and the improvement of social welfare which receive a loan with free riba from Rombong Sedekah Fondation. The data was collected by interviewing and observing to the direct object of the research. This research is interviewing staff on Rombong Sedekah Jombang Foundation andpeople who get donations from foundation. The qualitative explanatory was used as the techniques of analysis by explaining the results of the interviewers and of the direct observation. The result reveals that social capital with norms. Networks, and belief play a important role to improve the social welfare by seeing from maqashid syariah. REFERENCESAgustin, Atut Frida dkk. 2013. Identifikasi Modal Sosial Pada Program Pemberdayaan Masyarakat Miskin Melalui Dana Zakat, Infaq dan Sedekah. IQTISHODUNA, Vol. 9, No : 1-8.Bourdieu, Pierre. 1990. The logic of Practice. Atandford University Press: California. Hal: 54Bungin, Burhan. 2003. Analisis Data Penelitian Kualitatif: Pemahaman Filosofis dan Metodologis ke Arah Penguasaan Model Aplikasi. Jakarta: PT. Raja Grafindo PersadaCahyono, Ardian. 2012. Peran Modal Sosial Dalam Peningkatan Kesejahteraan Masyarakat Petani Tembakau di Kabupaten Wonosobo. UNISSULA, Vol. 1, No. 1, Desember: 131-144.Field, John. 2010. Modal Sosial. Bantul: Kreasi Wacana.Fu, Qianhong. 2004. Trust, Social Capital, and Organizational Effectiveness.Faculty of the Virginia Polytechnic Institute and State University, 22 April: 1-34.Fukuyama, Francis. Trust: Kebijakan Sosial dan Penciptaan Kemakmuran. 2002. Yogyakarta: CV. Qalam Yogyakarta.Furbey, Robert, et al. 2006. Faith as social capital. Sheffield Hallam University, Maret: 1-61.Handoyo, Eko. 2013. Kontribusi Modal Sosial Dalam Meningkatkan Kesejahteraan Pedagang Kaki Lima Pascarelokasi. Jurnal UNNES, Jurnal Komunitas 5 (2) (2013): 252-266Hasbullah, Jousairi. 2006. Social Capital: Menuju Keunggulan Budaya Manusia. Indonesia. Jakarta: MR- United Press.Kara, Muslimin. 2012. Pemikiran Al-Syatibi Tentang Maslahah dan Implementasinya Dalam Pengembangan Ekonomi Syariah. ASSETS, Vol. 2 No. 2, 2012: 173- 184Kearns, Ade. 2004. Social Capital, Regeneration & Urban Policy. CNR PaperVol.15, April 2004:1-39Mahalli, Ahmad Mudjab dan Ahmad Rodli Hasbullah. 2004. Hadist-hadist Muttafaq ‘Alaih: Bagian Munakahat dan Mu’amalat. Jakarta: Prenada Media Group.Mulyono,Sutrisno Purwohadi. Bentuk-Bentuk Penerapan Norma Hukum Adat Dalam Kehidupan Masyarakat Di Jawa Tengah. Jurnal Media Hukum, Edisi 252.Muflikhati, dkk. 2010. Kondisi Sosial Ekonomi dan Tingkat Kesejahteraan Keluarga: Kasus di Wilayah Pesisisr Jawa Barat.Jurnal Ilm. & Kons, vol 3, No 1Nasution, dkk. 2014. Dampak Modal Sosial Terhadap Kesejahteraan Rumah Tangga Pedesaan di Indonesia. MIMBAR, Vol.30, No.2, Desember: 137-148.Piere Bourdeiau. 1990. The Logic of Practice. Atanford University Presss: California, Hal:54Pusparini, Dwi Martini. 2015. Konsep Kesejahteraan Dalam Ekonomi Islam: Perspektif Maqasid Asy-Syari’ah. Jurnal UII Yogyakarta, Vol.1 No.1, Juni: 45-59.Rahmawati, lilik. 2012. Konsep Ekonomi Al-Ghazali. Maliyah. Vol.2, No. 1, Juni: 329-341.Sampe, Evi, dkk. Pengembangan Jejaring Organisasi Yayasan Sangatta Baru (YSB) untuk Meningkatkan Kesejahteraan Sosial Masyarakat. Jurnal Administrasi Publik, Vo;. 2, No. 3: 471- 477.Sanrego, Yulizar D, dan Moch. Taufiq. 2016. Fiqih Tamkin (Fikih Pemberdayaan). Jakarta: Qisthi Press.Simamora, Sogar. 2012. Karateristik, Pengelolaan, dan Pemeriksaan Badan Hukum Yayasan di Indonesia. Jurnal Rechts Vinding, Vol. 1, No. 2, Agustus: 175-186.Sodiq, Amirus. 2015. Konsep Kesejahteraan Dalam Islam. EQUILIBRIUM, Vol. 3, No.2, Desember.Somantri, Gumilar Rusliwa. Memahami Metode Kualitatif. 2005. MAKARA, SOSIAL HUMANIORA, VOL. 9, NO. 2,Suarez, Christoper. 2005. Civil Society adn the Dangers of Social Capital. Vol. 1, 18 Maret, 2005: 1-10.Syahra, Rusydi. 2003. Modal Sosial: Konsep dan Aplikasi. Jurnal Masyarakat dan Budaya, Vol. 5, No. 1: 1-20.Siisiäinen, Marti. 2000. Two Concepts of Social Capital: Capital: Bourdieu vs. Putnam. Jurnal dipresentasikan pada Konferensi Internasional ISTR yang keempat "The Third Sector: For What and for Whom?".Trinity College, Dublin, Ireland : July 5-8, 2000http://nasional.news.viva.co.id/news/read/583838-empat-pns-jadi-tersangka-korupsi-dana-zakat. Diakses pada tanggal 07 April, 2017, pukul 01.23 WIB.Widayani, Retno, & Rachman. 2013. Studi Tentang Kemunculan Modal Sosial. Jurnal Kebijakan dan Administrasi Publik, Vol. 17, No. 2: 65-75.

Indonesia memiliki potensi dana filantropi yang sangat besar, antara lain zakat, infaq dan dana sosial keagamaan lainnya (DSKL). Di Indonesia, dana filantropi tersebut dikelola oleh Badan Amil Zakat (BAZ) dan Lembaga Amil Zakat (LAZ). Salah satu LAZ yang ada di Indonesia Lembaga Amil Zakat Infaq Shodaqoh Muhammadiyah (LAZISMU), dan memiliki salah satu LAZISMU Daerah yakni LAZISMU Bojonegoro. Namun pada tahun 2020, kegiatan LAZISMU Bojonegoro terganggu dengan merebaknya pandemi COVID-19. Penelitian ini bertujuan untuk mengetahui bagaimana pengelolaan dana filantropi di lembaga tersebut pada tahun 2019 (sebelum pandemi) dan tahun 2020 (selama pandemi). Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif dengan strategi studi kasus eksploratori, dengan menggunakan data primer berupa wawancara dan data sekunder berupa dokumen. Hasil dari penelitian ini menunjukkan bahwa LAZISMU Bojonegoro berhasil beradaptasi pada kondisi pandemi, dibuktikan dengan meningkatnya penerimaan dana filantropi sebesar Rp. 720.736.219, atau sebesar 30,05% dari tahun sebelumnya, dan pendistribusian sebesar Rp. 567.913.837, atau 25,09% dari tahun sebelumnya, dan meningkatkan kualitas dan kuantitas penyaluran di bidang ekonomi. Kata kunci: Pengelolaan, Dana Filantropi, Pandemi COVID-19, LAZISMU Bojonegoro. ABSTRACT Indonesia has the potential for huge philanthropic funds, including zakat, infaq and other socio-religious funds (DSKL). In Indonesia, the philanthropic fund is managed by the Amil Zakat Agency (BAZ) and the Amil Zakat Institute (LAZ). One of the LAZ in Indonesia is the Amil Zakat Infaq Shodaqoh Muhammadiyah Institute (LAZISMU), and has one of the Regional LAZISMUs, namely LAZISMU Bojonegoro. However, in 2020, LAZISMU Bojonegoro's activities will be disrupted by the outbreak of the COVID-19 pandemic. This study aims to determine how philanthropic funds are managed at the institution in 2019 (before the pandemic) and in 2020 (during the pandemic). The research method used in this research is a qualitative method with an exploratory case study strategy, using primary data in the form of interviews and secondary data in the form of documents. The results of this study indicate that LAZISMU Bojonegoro has successfully adapted to pandemic conditions, as evidenced by the increase in the receipt of philanthropic funds amounting to Rp. 720,736,219, or 30.05% from the previous year, and the distribution was Rp. 567,913,837, or 25.09% from the previous year, and increasing the quality and quantity of distribution in the economic sector. Keywords: Management, Philanthropy Fund, COVID-19 Pandemic, LAZISMU Bojonegoro. DAFTAR PUSTAKA Ali, A., & Mudhor, A. Z. (2003). Kamus k ontemporer Arab Indonesia . Yogyakarta: Multi Karya Grafika. Az-Zuhaily, W. (2005). Zakat kajian berbagai mazhab . Bandung: PT Remaja Rosdakarya. Beik, I. S. (2009). Analisis peran zakat dalam mengurangi kemiskinan: Studi kasus Dompet Dhuafa Republika. Jurnal Pemikiran dan Gagasan , 2 , 1-11. Bogdan, R., & Biklen, S. (1992). Qualitative research fo education . Boston, MA: Allyn and Bacon. Charity Aid Foundation. (2019). CAF world giving index 10th edition . Retrieved from https://www.cafonline.org/about-us/publications/2019-publications/caf-world-giving-index-10th-edition Fadilah, S. (2012). Pengaruh implementasi pengendalian intern, budaya organisasi dan total quality management dalam penerapan good governance dan implikasinya terhadap kinerja organisasi dengan kepercayaan konsumen sebagai variabel intervening. Indonesian Journal of Economics And Business , 1 (2). Fadilah, S., Lestari, R., & Rosdiana, Y. (2017). Organisasi pengelola zakat (OPZ): Deskripsi pengelolaan zakat dari aspek lembaga zakat. Jurnal Kajian Akuntansi , 18 (2), 148-163. Hafidhuddin, D. (2006). Anda bertanya tentang zakat, infak dan sedekah, kami menjawab. Jakarta: Badan Amil Zakat Nasional (BAZNAS). Iswinarno, C., & Saleh, U. H. (2020). Dampak pandemi covid-19, jumlah donatur pada lembaga zakat berkurang. Diakses dari https://www.suara.com/news/2020/06/05/185306/dampak-pandemi-covid-19-jumlah-donatur-pada-lembaga-zakat-berkurang?page=all Kamus Besar Bahasa Indonesia. (2020). Arti kata dana . Diakses dari https://kbbi.web.id/dana ______. (2020). Arti Kata Sosial . Diakses dari https://kbbi.web.id/sosial Kementrian Kesehatan Republik Indonesia (Kemenkes RI). Frequently asked question (FAQ) Kementrian Kesehatan Republik Indonesia (Kemenkes RI). Diakses dari https://www.kemkes.go.id/folder/view/full-content/structure-faq.html Muhammadiyah COVID-19 Command Center (MCCC). (2020). Diakses dari covid19.muhammadiyah.id Muhammadiyah Disaster Management Center (MDMC). (2020). Diakses dari mdmc.or.id Musthofa, A. H., & Wicaksono, A. K. (2020). Efektivitas dan regulasi pengelolaan infaq, sedekah dan dana sosial keagamaan (Studi kasus di gerakan koin NU-Care kota Kediri). Jurnal At-Tamwil , 2 (1), 23-50. PPID BAZNAS RI. (2020). Data lembaga amil zakat (LAZ) resmi sesuai peraturan perundang-undangan pengelolaan zakat skala nasional. Diakses dari https://pid.baznas.go.id/laz-nasional/ Purwadarminta. (1976). Kamus umum bahasa Indonesia . Jakarta: Balai Pustaka. PUSKAS BAZNAS. (2019). Indikator pemetaan potensi zakat . Jakarta: Pusat Kajian Strategis BAZNAS. ______. (2019). Outlook z akat Indonesia 2020 . Jakarta: Pusat Kajian Strategis BAZNAS. Tjiptono, F. (2001). Strategi p emasaran . Yogyakarta: Andi. Undang-undang Republik Indonesia Nomor 23 tahun 2011 tentang Pengelolaan Zakat. Widiastuti, T., & Rosyidi, S. (2015). Model pendayagunaan zakat produktif oleh lembaga zakat dalam meningkatkan pendapatan mustahiq . J urnal Ekonomi dan Bisnis Islam, 1 (1), 89-102. World Population Review. (2020). Muslim population by country 2020. Retrieved from https://worldpopulationreview.com/countries/muslim-population-by-country/ Yin, R. K. (2002). Case study research: Design and methods (2nd ed.). Thousand Oaks, CA: Sage. _______. (2014). Case study research: Design and methods. USA: Sage. Yunita, N. W. (2020). Penyebab, asal mula, dan pencegahan virus corona di Indonesia. Diakses dari https://news.detik.com/berita/d-4956764/penyebab-asal-mula-dan-pencegahan-virus-corona-di-indonesia

Pandemi COVID-19 menyebabkan banyak aspek yang terdampak hal tersebut memerlukan adanya bantuan yang disalurkan dari pemerintah dan lembaga keuangan guna membantu menyejahterakan masyarakat. Penelitian ini bertujuan untuk mengetahui peran Lembaga Keuangan Mikro Syariah yaitu Bank Wakaf Mikro di masa pandemi covid-19. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus. Hasil penelitian ini menunjukkan bahwa Bank Wakaf Mikro berperan dalam situasi pandemi covid-19 yaitu dengan melakukan sistem baru dalam pelayananya meliputi proses pendataan nasabah yang terdampak pandemi COVID-19, mempermudah angsurannya, memberikan fasilitas pemanfaatan media online sebagai pengembangan usaha, menutup proses pembiayaan tetapi memberikan fasilitas untuk diarahkan kepada lembaga keuangan lain. Kata Kunci: Bank Wakaf Mikro, Pembiayaan, Pandemi, COVID-19 ABSTRACT The COVID-19 pandemic has affected many aspects. This pandemic requires the government and financial institutions to help people of the community. This research purpose to determine the role of Islamic Microfinance Institutions, namely Micro Waqf Banks during the Covid-19 pandemic. This research uses a descriptive qualitative approach with a case study method. The results of this research show that the Micro Waqf Bank plays a role in the Covid-19 pandemic situation, that's to do a new system in its services including the process of data collection of customers affected by the COVID-19 pandemic, facilitating installments, providing facilities for using online media as business development, closing the process. financing but providing facilities to be directed to other financial institutions. Keywords: Micro Waqf Bank, Financing, Pandemic, COVID-19

UN member states have carried out a series of sustainable development in 2030 and included 17 Sustainable Development Goals (SDGs). One of the main points of attention is the first point concerning poverty alleviation which is largely due to unemployment. Therefore we need an effective strategy in solving these problems. Not only from the government, but can also come from the community. Similarly, pondok pesantren. With the existence of pesantren, the government strongly believes that pesantren can improve welfare and alleviate poverty. One of the pesantren involved is the Mukmin Mandiri boarding school, which also contributes to the economic development of the people, namely unemployment reduction, by empowering the community to become students having religious provisions as well as entrepreneurs through opening employment opportunities for students. The purpose of this study is to determine the role of pesantren in poverty alleviation. The research method used is qualitative with a case study design. Data collected through observation, interviews and documents. Then, the data is validated by triangulation of sources and techniques. The results showed the existence of pesantren businesses as a way of opportunity and a place for empowering skills for unemployed people. Furthermore, the empowerment of these skills can be reflected in the recognition of the background of the santri.Keywords: Pesantren Economy, Sustainable Development Goals, poverty alleviation, unemployment skills empowerment

Pondok pesantren is an institution that can contribute to empowering the community's economy through its business units. The effort was apparently carried out by Pondok Pesantren DALWA. This institute has 14 businesses, but not all of them have professional management, there are a hotel, mart, tour and travel, bread, and fried chicken. This research uses a summative evaluation model. It has four components are context, input, process, product. This model will report the reason, implementation, and result of empowerment. The purpose of this research was to analyze the model of community economic empowerment in the league. The research method is qualitative. Data collected through observations, interviews and documents. The data is validated by the triangulation of sources and techniques. The result showed the reason for empowerment because of independence, reliance, and da’wah. The program gives priority to male are competent, sincere, and amanah. This program consists of awareness, capacity, and making efficient use based on Islam. It is very useful for individual ability, effort, environment, and league. All of these empowerment cause positive impact to pesantren and societyKeywords: Summative evaluation model, the community economic empowerment, Pondok pesantren Darullughah Wadda’wah

This study aims to determine the impact of LAZNAS Al-Azhar's ZIS fund management in empowering productive youth through the Rumah Gemilang Indonesia program, seen from increased religiosity and increased income. This research uses a qualitative approach with a case study strategy. According to the result, it is showed that the empowerment program was implemented through the Rumah Gemilang Indonesia program by LAZNAS Al-Azhar by receiving funding from donors. The synergy of roles and assistance between LAZNAS Al-Azhar and the fostered participants went very well. The final impact felt is an increase in income and moral improvement. Thus, young people can be free from the problem of unemployment and poverty.Keywords: Productive Zakat, Zakat Institution, Empowerment, UnemploymentREFFERENCE Aziz Syamsudin. (2008). Kaum muda menatap masa depan Indonesia. Jakarta: PT. Wahana Semesta IntermediaBadan Pusat Statistik. (2018). Tingkat pengangguran terbuka. (http://www.bps.go.id diakses 20 Februari 2019).Badan Pusat Statistik. (2018). Statistik pemuda provinsi Jawa Timur 2018. (http://www.bps.go.id diakses 20 Februari 2019).Departemen Agama RI, Qur’an terjemah tajwid, (Jakarta: Maghfirah Pustaka, 2006)Hafidhudhin, Didin. (2002). Zakat dalam perekonomian modern. Jakarta: Gema Insani.Malumbot, R. H. (2015). Program pemberdayaan dalam penanggulangan kemiskinan di Kota Bitung. Politico: Jurnal Ilmu Politik.Permono, Sjechul Hadi. (1992). Sumber-sumber pengelolaan zakat. Jakarta: Pustaka Firdaus.Sugiyono. (2009). Metode Penelitian kuantitatif, kualitatif dan R&D. Bandung: Alfabeta.Undang-Undang Republik Indonesia Nomor 23 Tahun 2011 Tentang Pengelolaan ZakatWebsite Rumah Gemilang Indonesia. (2019). (http://www/rumahgemilang.com, diakses pada 28 Januari 2019).Widiastuti, Tika. (2015). Model pendayagunaan zakat produktif oleh lembaga zakat dalam meningkatkan pendapatan mustahiq.Jurnal Ekonomi dan Bisnis Islam, 1(1), 89-102.Yin, Robert K. (2015). Studi kasus desain dan metode. Jakarta: Rajawali PersZuardi, H.M. (2013). Optimalisasi zakat dalam ekonomi Islam. Adzkiya: Jurnal Hukum dan Ekonomi Syariah, 1(1), 16-34.

Efficiency is needed by Islamic Rural Bank (BPRS)to facing rivalry in the banking sector. Efficiency can show the performance of BPRS and make BPRS more productive. This study measures the efficiency of Islamic Rural Banks (BPRS) in East Jawa using data envelopment analysis (DEA). DEA is a non-parametric and deterministic methodology for determining relative efficiency. This study used the intermediation approach and output orientation to measure the efficiency of BPRS. Inputs in this study are deposits, labor, and fixed assets. Outputs in this study are financing and other income. The result shows that the inefficiency exists in the BPRS in East Java. From 21 BPRS, which were used as a sample, 17 BPRS are not efficient technically. The inefficiency of BPRS causes BPRS still can not manage its inputs optimally to producing maximum output. To achieve an efficient level, BPRS needs to increase its output and reduce its input.Keywords: Islamic Rural Banks (BPRS), Efficiency, Performance, Data Envelopment Analysis (DEA)REFFERENCE Ali, M. M., & Ascarya. (2010). Analisis Efisiensi Baitul Maal Wat Tamwil dengan pendekatan two stage Data Envelopment Analysis (Studi kasus kantor cabang BMT MMU dan BMT UGT Sidogiri). TAZKIA: Islamic Finance & Business Review, 5(2), 110–125.Ascarya, & Yumanita, D. (2006). Analisis efisiensi perbankan syariah di Indonesia dengan Data Envelopment Analysis. TAZKIA Islamic Finance and Business Review, 1(2), 1–27.Ascarya, & Yumanita, D. (2008). Comparing the efficiency of islamic banks in Malaysia and Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 11(2), 95-119.Ascarya, Yumanita, D., Achsani, N. A., & Rokhimah, G. S. (2010). Measuring the efficiency of islamic banks in Indonesia and Malaysia using parametric and nonparametric approaches. 3rd International Conference on Islamic Banking and Finance. SBP-IRTI. Jakarta, Indonesia.Iqbal, zamir & Mirakhor, Abbas. (2012). The Islamic financial system. In an introduction to islamic finance: theory and practice (pp. 113-136). Singapore: John Wiley & Sons.Khumbakar, Subal C. & Lovell, C.A. knox. (2012). Stochastic frontier analysis, United Kingdom: Cambridge University Press.Nurhandini. (2006). Analisis efisiensi industri perbankan di Indonesia dengan metode non parametrik Data Envelopment Analysis. Skripsi tidak diterbitkan. Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia.Prasetyo, Muhammad Budi. (2007). Perbandingan pengukuran efisiensi perbankan syariah di Indonesia dengan perbankan syariah di Malaysia pada tahun 2003-2006 dengan metode DEA. Skripsi tidak diterbitkan. Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia.https://bps.go.id https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia/default.aspx https://www.ojk.go.id/id/kanal/perbankan/regulasi/peraturan-ojk/Default.aspx https://www.ojk.go.id/waspada-investasi/id/regulasi/Pages/Undang-Undang-Nomor-21-Tahun-2008-Tentang-Perbankan-Syariah.aspx

The main objective of this research is to see the potential that supports the application of sharia principles in the Batu City tourism sector. The tourism sector studied consists of hotels, restaurants and halal food, travel agencies and tourism areas. The next objective is to see the economic benefits that will be produced in the future with the application of sharia principles in the tourism sector. This study uses descriptive qualitative methods conducted by interviews, observations and questionnaires to see the response generated through a Likert scale. The results of this study indicate that parties related to the tourism sector provide a positive response to the application of sharia principles in the tourism sector, which will provide economic benefits for the industry players, the public society, and the government.Keywords: Sharia Principles, Halal Tourism, Income, Economic Benefits, Sharia TourismREFFERENCES Andriani, Dini. dkk. (2015). Kajianpengembangan wisata syariah.Laporan Akhir DeputiPenelitian danPengembangan KelembagaanKepariwisataan KementrianPariwisata2015.Arjana, I Gusti Bagus. (2015). Geografipariwisata dan ekonomi kreatif.Jakarta: Rajawali Pers.batukota.bps.go.idChookaew, S., Chanin, O., Charatarawat, J.,Sriprasert, P., & Nimpaya, S. (2015).Increasing halal tourismpotential at andaman gulf. Journalof Economics, Business andManagement,3(7), 277-279.Crescent Rating. (2015). Muslim/halal travelmarket: basic concepts, terms anddefinitions.Singapore: CrescentRating.Dewan Syariah Nasional - Majelis UlamaIndonesia. (2016). Pedomanpenyelenggaraan pariwisataberdasarkan prinsip syariah no:108/DSN-MUI/X/2016.El-Gohary, Egypt H. (2016). Halal tourism, is itreally Halal?. Tourism ManagementPerspectives, 19(B), 124–130. https://doi.org/10.1016/j.tmp.2015.12.013Halim, Abdul. (2004). Manajemen keuangandaerah. Yogyakarta: UPP AMP YKPN.Islah, Muainul dan R. Moh. Qudsi Fauzi. (2018). Analisis pengunjung dan retribusi (pedagang) kawasan wisata religi sunan giri terhadap pendapatan asli daerah kabupaten Gresik periode 2011-2016. Jurnal Ekonomi Syariah Teori dan Terapan, 6(4), 658-671.Jonathan, Sarwono. (2006). Metodepenelitian kuantitatif dan kualitatif.Yogyakarta: Graha Ilmu.Marzuki, S.Z.S., Hall, C.M., & Ballantine, P.W.(2014). Measurement of restaurantmanagerexpectations towardhalal certification using factor and cluster analysis.ProcediaSocial andBehavioral Sciences, 121.Monroe, Myles. (2011). Purpose for living.Indonesia: Andi Publisher.Ni Lu Gede, Ana Pratiwi. (2014). Pengaruhkunjungan wisatawan, retribusiobyek daerah wisata dan phrterhadap pendapatan asli daerah(PAD) kabupaten Gianyar. E-jurnalEkonomi pembangunan, 3(3).Organisation Of Islamic Cooperation. (2017).Statistical, economic and socialresearch andtraining centre forislamic countries (SESRIC). StrategicRoadmap For DevelopmentOf Islamic Tourism In OIC MemberCountries.Puad, Ahmad dkk.(2016). SuccessfulManagement of Shariah CompliantAccommodation SectorinMalaysia.World Applied SciencesJournal, 34(12), 1876-1881.Samori, Zakiah, et al. (2016). Review currenttrends on halal tourism: cases onselected asiancountries. Tourism Management Perspectives, 19(B), 131–136.Sugiyono. (2013). Metode penelitianpendidikan pendekatan kuantitatif,kualitatif, dan R&D.Bandung:Alfabeta.Yoeti, Oka A. (2008). Ekonomi pariwisata:industri, informasi, dan implementasi. Jakarta:Kompas.Yin, Robert K. (2014). Case Study ResearchDesign and Methods (5th ed.)Thousand Oaks CA: Sage.

Nurul Hayat Foundation has several programs, one of which stands out is empowerment program empowered livestock village. In this program Nurul Hayat Foundation works with animal farmers who according to him are able to manage and give birth to healthy livestock. This research uses descriptive qualitative approach. The reason of the researcher using qualitative descriptive approach is to answer the questions that exist in the formulation of the problem comprehensively and deeply about how the role of ukhuwah in the village livestock program empower the Nurul Hayat Foundation Surabaya in empowerment of farmer's economy. The formulation of the problem was answered with data mostly obtained from interviews and observation. The source of data is the qurban animal farmers who cooperate with the Nurul Hayat Foundation Surabaya. The results showed that empowered livestock program at Yayasan Nurul Hayat had an impact on improving the welfare of farmers, this is not apart from applying ukhuwah value in program implementation. Networking, norms, reciprocal relationships and beliefs, the four points based on ukhuwah's value can have a positive impact on the success of the program.Keywords: Empowerment, Ukhuwah Values, Zakah, Infaq, and Shadaqah, Nurul Hayat, LAZNAZREFFERENCESAdi,Isbandi, Rukminto. 2008. Intervensi Komunitas Pengembangan Masyarakat Sebagai Upaya Pemberdayaan Masyarakat. Jakarta:PT. Raja Grafindo Persada.BPS. Survei Penduduk Miskin. Dipetik 4 4, 2018,http:www.bps.go.id/linkTabelStatis/view/id/946:www.bps.go.id/linkTableStatis/view.id.946.Departemen Agama RI, 2002. Al-Qur’an Terjemahan Indonesia. Jakarta: PT Sari Agung.Fauroni, Lukman. 2016. Model Bisnis Berbasis Ukhuwah (studi entitas bisnis pesantren Al-Itiffaq kabupaten Bandung). Skripsi IAIN. SurakartaFirdaus. 2006. Seratus Cerita Tentang Akhlak: Mahabah dan Ukhuwah. Jakarta: Republika.Hadi, Agus Purbathin. 2004. Konsep Pemberdayaan, Partisipasi dan KelembagaandalamPembangunan.Hikmat, Harry.2010. Strategi Pemberdayaan Masyarakat. Bandung: Humaniora Utama Press.Sanrego, Yulizar D, dan Moch. Taufiq. 2016. Fiqih Tamkin (Fikih Pemberdayaan). Jakarta : Qisthi PressShihab, M. Quraish. 1996. Wawasan Al-Qur’an, Bandung : Mizan.Syahra, Rusydi. 2003. Modal Sosial: Konsep dan Aplikasi. Jurnal Masyarakat dan Budaya, Vol. 5, No. 1: 1-20.Undang-undang Dasar Negara Republik Indonesia Tahun 1945.Yin, Robert K. 2009. Case Study Reasearch Design and Methods. Fourth Edition. California: Sage Inc.

Basically, waqf only have a direct function. Islamic boarding school didn't yet toproductive the land of waqf. Yayasan Arwaniyyah is a foundation with boarding school basic who can utilizing waqf land productively. This study aims to describe the manajement of waqf productif in Yayasan Arwaniyyah Kudus. This study is using qualitative approach with study case strategy. Analitical techniqueis based on theoritical preposition, that followed the theoritical preposition which guide the case of study. Arwaniyyah Foundation when utilize the waqf productive do several things, which is performing management fungtions in the implemetation of waqf productive, creating jobs and social care, and creating economic independence boarding school. The result of this research show that Arwaniyyah Foundation utilize lands waqf to be productive to achieve economic independence boarding school. Management of waqf conducted by the foundation divided into three areas. Religion activities, Islamic education,and social and economic.

Islamic Boarding School is Islamic school that most of students are boarders. In the last 20 years, when the Islamic economy developed in Indonesia, many islamic boarding school established financial institutions and businesses that comply to Islamic law. The existence of the business and financial institutions (business network) were expected to encourage the implementation of Islamic law on economics and business in society, and also able to carry out economic and business practices according to sharia. This study will examine the existence of business network model and what are the benefits of business network model for the While in the era of colonialism adjustment occurs through the transformation of values where the islamic boarding school acts as an Islamic institution or institutionalization of Islamic values that have a mission-oriented ideology-political or religious-political. Where the motivation is to seize independence and liberate the people from the shackles of penghisaban by the invaders (Arifin, 2013). For now the existence of islamic boarding school is more related to learning process and education. In other words, islamic boarding school is a religious education institution capable of issuing certificates recognized in the national education system in Indonesia. This can be regarded as a islamic boarding school negotiation of new values that develop in society as a result of the advancement of science, knowledge, and technology (Izfannah, 2012).sustainability of business unit. The renewal of this research illustrates the business model practiced by islamic boarding school cottages especially PP Sidogiri as a whole and formulates the right business development strategy for business unit PP Sidogiri in order to maximize the role and social function of the islamic boarding school business unit. This research uses case study method on mixed islamic boarding school especially on Sidogiri Islamic Boarding School. The results of research to find out the ideal strategy in the implementation of business network as the development of a business model strategy of Islamic boarding schools in order to develop Islamic boarding school's business.

The development of the fashion world experienced a significant increase in the last few decades. Indonesia has a huge opportunity in the Muslim fashion sector when compared to other countries, because the majority of the population is Muslim. The Indonesian government realizes that even Indonesia is proclaimed to be a benchmark for world Muslim fashion in 2020. This is very possible considering the Muslim fashion industry in Indonesia has experienced growth since the 1990s based on data from the Organization of the Islamic Conference (OIC). One of the biggest brands in Indonesia is HijUp. This aims to analyze the effect of brand images and online promotion strategy on customer satisfaction and loyalty. The analysis technique used is quantitative approach. The sample in this study were 100 HijUp respondents, using the Maximum Likehood (ML) estimation method. This research uses Structural Equation Modeling (SEM) method with LISREL 8.72 measuring instrument. The results of this study indicate the positive influence of brand image on customer satisfaction and customer loyalty. Furthermore, there is a positive influence of online promotion strategies on customer satisfaction, but there is a negative influence on customer loyalty. Furthermore, there is a positive influence between customer satisfaction and customer loyalty. Keywords: Brand Image, Online Promotion Strategy, Customer Satisfaction, Customer Loyalty, Fashion Muslim

Implementation of Corporate Social Responsibility in Islamic banking refers to a business that has a social responsibility in Islamic. Islamic values contained in CSR activity that is the values of justice, Rohmatan lil'alamin value, and the value maslahah. That understanding will have implications for the implementation of syariah in the CSR value BNI Syariah Jakarta. The research method which is used for this case is qualitative descriptive approach. This Research is using semi-structured interviews and documentation. This Research was concern on the syariah value of CSR activities BNI Syariah Jakarta and find out for the solutiaon on how the implementation of sharia value on CSR activities BNI Syariah Jakarta. The results of this research was indicated that the PT. BNI Syariah Jakarta has implemented three grades sharia Islamic banking in performing activities of corporate social responsibility, which has implemented sharia values of justice, Rohmatan li'alamin value, and the value maslahah with full responsibility and in accordance to sharia compliance or regulations.

Sharia insurance in Indonesia has experienced a fairly rapid development since the promulgation of MUI fatwa number:21/DSN-MUI/X/2001 about sharia insurance. However, that is still questionable is does the sharia insurance company really run the product operational based on MUI fatwa.This study aims to determine whether product operational of sharia insurance of AJB Bumiputera1912 is in conformity with the sharia rules to follow six indicator akkad, premi, claims, investment, reinsurance, and management of the fund from MUI fatwa or not.The research method is used is a case study with a qualitative descriptive approach. The data used in this study is that the data derived from primary data obtained from fieldwork and secondary data derived from the literature and a wide range of written document. This study using data derived from the management of sharia insurance AJB Bumiputera 1912 in the branch of Surabaya and sharia insurance participants of AJB Bumiputera 1912.The results of this research is operational products of sharia insurance of AJB Bumiputera 1912 were in accordance with Indonesian Ulama Council fatwa DSN Number:21/DSNMUI/X/2001. The suitability reflected from the existence of akkad tabarru’ and akkad tijarah as investment funds (mudharabah), management of premium funds based on sharia, claims fund based on first contract, investment made in accordance with the mandate of participants, then reinsurance process done only to sharia-based reinsurance company.

The purpose of this research is to know motivations which encourage moslementrepreneurs decide producing imitation product.This research used a qualitative approach with explanatory case study strategy which is able to answer the question arised. Data collecting process was done by interviewing moslem entrepereneurs in Tanggulangin. Analysis technique which used in this research is descriptive, because author tried to describe a symptoms, occurance, and events which happened nowadays. Author tried to capture events and occurance that happened and being a central of attention to be explained as it seen on the location.The result showed that there are many forms of motivation why moslem entrepreneurs decide to produce imitation products. Those motivations were classified and explained based on the Islamic motivation theory by Abdul Hamid Mursi. That motivation theory is physiological motivation, psychological or social motivation, and working and producing motivation.

This research aimed to analyze the implementation process of the indonesian council of ulama (DSN MUI) regulation number 86/DSN-MUI/XII/2012 on the prize fund of Islamic financial insitutions in the Baitul Maal Wat Tamwil (BMT) UGT Sidogiri Pasuruan. The method used in this research is qualitative approach using case study strategy in BMT UGT Sidogiri Pasuruan. The data collection was done by interview and documentation. The validation technique used is triangulation technique of sources. The analysis techniques in this research uses Miles and Huberman Theory.The results of this research based on the indonesian council of ulama (DSN MUI) regulation number 86/DSN-MUI/XII/2012 on the prize fund of Islamic financial insitutions. Based on the analysis done by researches, BMT UGT Sidogiri Pasuruan has not been effective yet in applying regulation issued by DSN MUI, especially on the regulation number 86/DSNMUI/XII/2012, at the ban point of making prize program as a habit

This research is aim to describe the role of Islamic Boarding School of Hidayatullah Surabaya in empowering community economic activity around it. This research is using qualitative approach with study case strategy. Analitical technique is based on theoritical preposition, that followed the theoritical preposition which guide the case of study. Validation technique of data is using sources triangulation technique, which is examine the credibillity of data by crosschecking it within several sources. Data collecting is conducted by interviews, observation, and documentation. The result of this research show there is a role of Islamic Boarding School Hidayatullah for empowering the economic activity of the communnity among the area, which is creating job opportunities; creating an partnership between Islamic boarding school and coummunity around it; a social responsibility showed by counseling, training, and accompaniment activities doing by the islamic boarding school to the community members which are needed.

This study aims to determine the application of Islamic consumption by Al Aqobah Boarding School teacher in Diwek Subdistrict, Jombang District.This study used a qualitative approach with descriptive case study method. The population characteristics of this study are the teachers of Al Aqobah Boarding School in Diwek Subdistrict, Jombang District. The teachers of Al Aqobah Boarding School who know and understand the consumption according to Islam are people who implement Islamic consumption in his life, the teacher/ustadz and ustadzah who has been teaching at Al Aqobah boarding school at least 2 years. The number of samples in this study was six informants. The sampling technique used was purposive sampling.Based on the results of this study showed that Al Aqobah boarding school teacher in Diwek Subdistrict, Jombang District, has implemented the Islamic consumption legally (halal); they are not extravagant not only in spending wealth but also in living luxury and showing assets. They can also make the balance system between worldly and hereafter consumption.Moreover, the suggestion for all of people in Al Aqobah boarding school and also the teachers are expected to continue teaching the consumption which is true to Islam, apply in everyday life, and provide appropriate examples to the students. For further research, it is expected to examine the same topic with more in depth details about the implementation of Islamic consumption on other aspects that are more specific. REFERENCESAl Qur’an dan Hadits. Afzalurrahman. 1995. Doktrin Ekonomi Islam. Yogyakarta: Dana Bhakti Wakaf.Hidayat, Muhammad. 2010. An Introduction to The Sharia Economic. Jakarta: Zikrul Hakim.Karim, Adiwarman. 2012. Ekonomi Mikro Islam. Edisi Keempat. Jakarta: PT Raja Grafindo Persada.Mastuhu. 1994. Dinamika Sistem Pendidikan Pesantren : Suatu Kajian Tentang Unsur dan Nilai Sistem Pendidikan Pesantren. Jakarta: INIS.Moleong, J. Lexy. 2002. Metodologi Penelitian. Kualitatif. Bandung: PT.Remaja Nafik, Muhammad H.R. 2009. Rasionalitas Konsumsi Muslim di Seminar Rosdakarya. Ekonomi Islam. Makalah tidak diterbitkan. Surabaya Fakultas Ekonomi dan Bisnis Universitas Airlangga Surabaya.Nasution, Mustafa Edwin. 2006. Pengenalan Eksklusif Ekonomi Islam. Edisi Pertama. Jakarta: Kencana Prenada Media Grup.Pujiyono, Arif. 2006. Teori Konsumsi Islami. Dinamika Pembangunan, Vol. 3, No. 2: 196-207.Pusat Pengkajian dan Pengembangan Ekonomi Islam. 2008. Ekonomi Islam. Edisi Kesatu. Jakarta: PT Raja Grafindo Persada.Qardhawi, Yusuf. Peran Nilai dan Moral dalam Perekonomian Islam. Terjemahan oleh Didin Hafiluddin, dkk. 2001. Jakarta: Robbani Press.Rosyidi, Suherman. 2006. Pengantar Teori Ekonomi. Jakarta: Raja Grafindo Persada.Sugiyono. 2011. Metode Penelitian Kuantitatif Kualitatif R&D. Bandung: Alfabeta. Suwiknyo, Dwi. 2010. Kompilasi Tafsir AyatAyat Ekonomi Islam. Yogyakarta: Pustaka Pelajar.Yin, Robert K. 2011. Studi Kasus:Desain dan Metode. Jakarta: PT.Raja Grafindo Persada.