detailmhsjurnal

No	Nama	Judul	Jenis	Tahun	Detail
1	MUFIDATUL HIMMAH	Implementasi Walk In Customer (Wic) Dan Enhanced Due Diligence Kepada Nasabah Sebagai Pencegahan Money Laundering Pt. Bank Sumut Kcp Syariah Hm Yamin	Nasional Tidak Terakreditasi	2022	Detail Penelitian Mahasiswa Jurnal Judul Artikel Implementasi Walk In Customer (Wic) Dan Enhanced Due Diligence Kepada Nasabah Sebagai Pencegahan Money Laundering Pt. Bank Sumut Kcp Syariah Hm Yamin Nama Jurnal PROFIT: Jurnal Kajian Ekonomi dan Perbankan Syariah 6 (1), 2022 Halaman 1-22 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti MUFIDATUL HIMMAH Anggota Peneliti Moh Alief Hidayatullah SITI FATIMAH Abstrak Banking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction services, becoming the main center in crime. money laundering and terrorism financing to hide illegal money. Therefore, the OJK has made regulations regarding the prevention of Money Laundering and the financing of Terrorism which includes CDD and EDD PT. Bank Sumut Syariah KCP H.M Yamin has implemented Customer Due Diligence on Walk In Customer (WIC) and Enhanced Due Diligence on Customers as an effort to prevent money laundering and terrorism financing. In this journal research using qualitative methods with a descriptive approach. the data taken is by interview and observation techniques. Observations indicate that the implementation of WIC on Customer Due Diligence is carried out when the Bank doubts customer information by conducting identification and verification. In addition, at WIC where previously WIC did not need to report to Customer Service when making transactions and went directly to the teller. However, for now there has been a circular letter of change from the Head Office of Bank Sumut Syariah regarding the implementation of WIC where WIC is required to report to Customer service first after obtaining approval from CS, then WIC can go directly to the teller. The implementation of Enhanced Due Diligence is carried out for Politically Exposed Person customers. But in practice at PT. Bank Sumut Syariah KCP H.M Yamin is carried out if there are suspicious transactions or when there are cases.
2	MUFIDATUL HIMMAH	Student Creativity Program As A Media To Build The Entrepreneurship Souls Of Students In Pondok Pesantren	Nasional Tidak Terakreditasi	2022	Detail Penelitian Mahasiswa Jurnal Judul Artikel Student Creativity Program As A Media To Build The Entrepreneurship Souls Of Students In Pondok Pesantren Nama Jurnal MANAGERE: Indonesian Journal of Educational Management 4 (1), 14-26, 2022 Halaman 14-26 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti MUFIDATUL HIMMAH Anggota Peneliti Dr. ABDULLAH, M.Pd. MAKNUNATUN NAVISAH ARIFIN Abstrak This study aims to analyze the students' creativity program as a medium to build students' entrepreneurial spirit at the Nurul Jadid Islamic Boarding School. This research method uses a qualitative research method; the type of case study uses data collection techniques using observation, interview and documentation. The data analysis was carried out circularly, starting with data collection, data reduction, data presentation, and concluding. The results of the study indicate that Islamic boarding schools develop creative activities for students by providing places for activities to build an entrepreneurial spirit through pesantren extracurricular activities, managing used goods, applying in pesantren skills competitions, and skills activities in every institution under the auspices of the Nurul Islamic Boarding School.
3	FITRIA NUR'AINI	Manajemen Risiko Dalam Meminimalisir Wanprestasi Pada Koperasi Syariah (Studi Kasus Di Kspps Nurul Hidayah Desa Klaseman)	Nasional Tidak Terakreditasi	2022	Detail Penelitian Mahasiswa Jurnal Judul Artikel Manajemen Risiko Dalam Meminimalisir Wanprestasi Pada Koperasi Syariah (Studi Kasus Di Kspps Nurul Hidayah Desa Klaseman) Nama Jurnal Syarikat: Jurnal Rumpun Ekonomi Syariah 5 (1), 1-16, 2022 Halaman 1-16 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti FITRIA NUR'AINI Anggota Peneliti NURUL HUDA, M.FiI.I. Abstrak Bidang usaha koperasi syariah saat ini banyak dikembangkan di Indonesia untuk memenuhi kebutuhan bersama dalam bidang ekonomi dengan prinsip syariah. Jenis koperasi yang marak ditemui ialah Koperasi Simpan Pinjam (KSP) dengan sistem permodalan yang dihasilkan dari simpanan anggota yang dapat dipinjamkan kembali kepada para anggotanya, dengan syarat mudah dan bunga atau jasa pinjaman minim demi kesejahteraan anggota. Namun koperasi simpan pinjam tidak luput dari terjadinya risiko pembiayaan. Sepertinya halnya terjadi di Koperasi Simpan Pinjam Pembiayaan Syariah (KSPPS) Nurul Hidayah Desa Klaseman Kec. Gending Kab. Probolinggo-Jawa Timur, wanprestasi atau penunggakan angsuran nasabah ditemukan dalam kurun waktu tahun 2019-2020 sebanyak 12 anggota. Penelitian ini dilakukan untuk melihat bagaimana penerapan manajemen risiko dalam meminimalisir wanprestasi ini agar tidak terjadi lagi dikemudian hari. Metode yang digunakan yaitu kulitatif deskriptif dengan melakukan wawancara langsung kepada narasumber. Hasil penelitian menunjukkan bahwa cara efektif untuk meminimalisir wanprestasi pada KSPPS Nurul Hidayah Desa Klaseman yaitu dengan strategi 4C (Character, Capacity, Capital dan Condition) sebelum pemberian pinjaman dan stretegi setelah pemberian pinjaman dengan menggunakan sistem kekeluargaan dan Rescheduling.
4	RAMLATUL MUNAWARA	The Role Of Excellence Service In Creating Customer Loyality (Case Study D'Warung Sepakat Nikmat Kuta Bali)	Nasional Terakreditasi	2021	Detail Penelitian Mahasiswa Jurnal Judul Artikel The Role Of Excellence Service In Creating Customer Loyality (Case Study D'Warung Sepakat Nikmat Kuta Bali) Nama Jurnal Jurnal Mantik 4 (4), 2486-2494 Halaman 2486-2494 Volume Nomor Jenis Publikasi Nasional Terakreditasi Peringkat Sinta 4 Ketua Peneliti RAMLATUL MUNAWARA Anggota Peneliti Dr. ALVAN FATHONY, M.HI. Abstrak The purpose of this study is to explain how important the quality of a service is, especially Service Excellence, on customer satisfaction is mediated by customer satisfaction because the more rapid population growth, the more special needs such as food. Therefore, one of the fundamental factors is the existence of a Restaurant to support the need for food that serves a variety of interesting and distinctive menus. In today's competition in the business world, companies must prioritize customer satisfaction, which is one of the secrets to business success in a company. This research method uses qualitative research methods. The type of data used is the collection of various kinds of information and analysis. The concept of Excellence Service is a service that has quality services including speed, accuracy, reliability and empathy. The concept of Customer Loyalty as a need for customer loyalty (Customer Loyalty) which is related and has a close relationship with customer satisfaction. Excellence Services as the creator of Customer Loyalty at D' warung Sepakat Nikmat includes physical evidence, reliability, responsiveness, assurance, and empathy. External factors and internal factors that support the creation of customer loyalty and external factors that can hinder creating customer loyalty.
5	MAKNUNATUN NAVISAH ARIFIN	Pendampingan Ekonomi Pesantren Melalui Sentralisasi Transaksi Cost Makan Santri Di Pondok Pesantren Nurul Jadid Paiton	Nasional Tidak Terakreditasi	2021	Detail Penelitian Mahasiswa Jurnal Judul Artikel Pendampingan Ekonomi Pesantren Melalui Sentralisasi Transaksi Cost Makan Santri Di Pondok Pesantren Nurul Jadid Paiton Nama Jurnal Panrannuangku Jurnal Pengabdian Masyarakat 1 (2), Halaman 83-88 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti MAKNUNATUN NAVISAH ARIFIN Anggota Peneliti FAIZATUL WIDAT, M.Pd. ZAIMATUL UMAMI RUQOYYAH NAFISAH DWI ANGGRAINI NOVITASARI IKA LAILATUL M Abstrak In one of the efforts to increase the economic progress of the pesantren and also to eat for the students, especially at the Nurul Jadid Boarding School, Probolinggo, it is very necessary to have a centralized program for paying the cost of paying for the cost of the students’ meals so that each student’s meal is regelated and even becomas a way of saving the cost of living for the students. For decades, the Nurul Jadid Islamic Boarding School has not been able and succeeded ini centralizing the cost of food for students and processed food products for students at one door. The centralization of the santri staple food business is believed by the pesantren. The fear of pesantren in managing this business is quite an obstacle, but by providing location, technology and human resources, pessntren is expected to be able to maintain and preserve Costmara’s business. Our service uses a Consultation approach, where wa several individuals at the same time assist, guide and direct policy makers, employees and servants at Nurul Jadid Cost of Eating student to make this businenss lively and comfartable, especially able to nourish the economy of the Pesantren and serve the needs of the santri so that the pesantren achieves the peak of independence and economic sovereignty. Centralization of the cost of meals for studentswas initiated by Pesantren bereau and ini teh end it was acquired by the business bereua, Centralized peyments at the santri supplies simpab office and food management in public kitchens with a sufficient number of employess, centralization of santri food and payments were able to mave the pesantren economy for more beneficial interests including religious agends, education, health, equipment and others within the Nuru Jadid Islamci Boarding School. Economics is the foundation of every pesantren agenda. So Cost Mara contributes a lot the economic pace of Islamic Boarding Schools. Santru obtain sufficient benefits, including low prices, healthy composition and savings for santri and the ecomic flow santri guardiens.
6	LUTFILLAH	Strategi Membangun Ekonomi Pesantren Melalui Sentralisasi Kebutuhan Fashion Pada Industri Konveksi Pondok Pesantren Nurul Jadid	Nasional Terakreditasi	2021	Detail Penelitian Mahasiswa Jurnal Judul Artikel Strategi Membangun Ekonomi Pesantren Melalui Sentralisasi Kebutuhan Fashion Pada Industri Konveksi Pondok Pesantren Nurul Jadid Nama Jurnal Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah 7 (1), Halaman 1-16 Volume Nomor Jenis Publikasi Nasional Terakreditasi Peringkat Sinta 4 Ketua Peneliti LUTFILLAH Anggota Peneliti AINOL YAQIN,M.E ROISUL MUHTADIN Abstrak The Nurul Jadid Islamic Boarding School has a large number of students and graduate, economic access to clothing (fashion) is widely used by external parties, even though the financial circulation is ini the same class as state educational institutions outside the Boarding School, on that basis, the head of the Boarding School, throung the business bureau, established a clothing industry factory for Nurul Jadid under name Germnet, the policy of the head of the pesantren requires the centralization of the one-stop clothing business to be hanlled by the Business bereau through the Garmen Nurul Jadid. This research is a qualitative research type of field research (field research), researchers lool foor a lot of data by by going directly to the research location to get primary information from the source, methods of analysis, this research has an important role for the economic progress of the Nurul Jadid Islamic Boarding Scholl. The formalations of this research include, Nurul Jadi made a profit of almos 1 billion so that she was the able to revive several pesantren sectors, developing pesantren human reseorces, the ability of students to reach the price of cloting, the life of intrepreneurial spirit from an early age and the economic development of the pesantren. This is only one economic sector, how about the economic sector for the needs of santri food, medical equipment, bathing, washing and others the Nurul Jadid Islamic Boarding School continues to make improvement
7	SHAFWAN TSAURI	Utilization Of Zakah Application As Zakah Management Innovation To Increase Zakah Potential	Nasional Tidak Terakreditasi	2021	Detail Penelitian Mahasiswa Jurnal Judul Artikel Utilization Of Zakah Application As Zakah Management Innovation To Increase Zakah Potential Nama Jurnal El-Qist: Journal of Islamic Economics and Business (JIEB) 11 (1), 33-48 Halaman 33-48 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti SHAFWAN TSAURI Anggota Peneliti MOH. IDIL GHUFRON, M.E.I. Abstrak This study wants to reveal how the BAZNAS zakāh application makes it easier for Muzakki to pay zakāh and the extent to which the effectiveness makes Muzakki fulfill their zakāh obligations. By using a qualitative approach, this research data comes from primary and secondary data. Researchers obtained primary data by conducting interviews with related parties such as the District BAZNAS and related parties. Meanwhile, secondary data is obtained by researchers from various literatures such as books, research journals, final academic assignments, and others related to this research, which can complement existing problems. The results of this study revealed that in 2017, the zakāh received by BAZNAS (Institutions that manage zakāh nationally) was IDR 6,224,371,269,471. After the payment of zakāh through this online zakāh application, the receipt of zakāh received by BAZNAS reached Rp 8,117,597,683,267, indicating that this application zakāh has become a tangible medium in increasing awareness of Muzakki for doing a zakāh.
8	SUPRAPTI NINGSIH	Strategi Membangun Customer Trust Pada Online Shop Dikalangan Mahasiswa Milenial	Nasional Tidak Terakreditasi	2020	Detail Penelitian Mahasiswa Jurnal Judul Artikel Strategi Membangun Customer Trust Pada Online Shop Dikalangan Mahasiswa Milenial Nama Jurnal Dinamis: Journal of Islamic Management and Bussiness 3 (1) Halaman 1-9 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti SUPRAPTI NINGSIH Anggota Peneliti Abstrak Penelitian ini bertujuan untuk mengetahui strategi membangun kepercayaan konsumen pada online shop dikalangan mahasiswa milenial melalui media social seperti facebook, whatsapp, telegram dan instagram. objek penelitian yaitu mahasiswa yang mempunyai bisnis online shop. Analisis data menggunakan analisis data kualitatif model Interaktif, Miles dan Huberman. Hasil penelitian menunjukkan strategi membangun kepercayaan konsumen yang diterapkan oleh mahasiswa iyalah teori Hwang dan Kim yaitu Kemampuan (Ability), Kebaikan hati (Benevolence) dan Integritas (Integrity). Terbukti dari kemampuan menyediakan produk, pelayanan yang baik dan jujur didukung komunikasi aktif dalam mempromusikan produk, integritas dan bertanggung jawab atas keamanan transaksi dan bertanggung jawab ketika terjadi kesalahan pada produk dapat membangun kepercayaan konsumen pada bisnis online.
9	DEWI RAHAYU	Analisis Pembiayaan Dana Talangan Haji Perspektif Etika Bisnis Islam	Nasional Tidak Terakreditasi	2020	Detail Penelitian Mahasiswa Jurnal Judul Artikel Analisis Pembiayaan Dana Talangan Haji Perspektif Etika Bisnis Islam Nama Jurnal KITABAH: Jurnal Akuntansi dan Keuangan Syariah Halaman 1-20 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti DEWI RAHAYU Anggota Peneliti ISMAIL MARZUKI, M.H. Abstrak Islamic financial institutions have experienced significant developments, including in the development of financing products in the form of hajj bailout funds. In accordance with DSN-MUI fatwa No. 29 / DSN-MUI / III / 2002 hajj bailout funds using the qard and ijarah agreements given to prospective pilgrims with the aim of obtaining the portion of the hajj list or BPIH (the cost of the pilgrimage). the need to review from the perspective of Islamic business ethics in order to see the extent to which the implementation of the hajj bailout fund is in accordance with ethical business principles and Islamic sharia principles. The method used is a qualitative research method using the literature study approach in books, journals, and fatwas of the National Sharia Council. The results showed that the negative effect caused by the implementation of the hajj bailout fund is caused by the implementation of the hajj bailout fund not in accordance with Islamic business ethics and principles.
10	NUR HASANATUL FAIZAH	Ukm Dalam Persaingan Di Era Globalisasi Ekonomi	Nasional Tidak Terakreditasi	2019	Detail Penelitian Mahasiswa Jurnal Judul Artikel Ukm Dalam Persaingan Di Era Globalisasi Ekonomi Nama Jurnal UPAJIWA DEWANTARA: Jurnal Ekonomi, Bisnis dan Manajemen Daulat Rakyat 3 (2 … Halaman 127-135 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti NUR HASANATUL FAIZAH Anggota Peneliti MOHAMMAD SYAIFUL SU'IB, M.E.I. Abstrak Economic globalization is a process of global economic activity involving countries in the world. The existence of free trade in the current era of economic globalization, "Hunay" MSMEs are required to carry out appropriate strategies to win the competition. This research is aimed at finding out the challenges faced by MSMEs and the strategies that must be carried out by MSME actors to be able to win such intense competition in the midst of economic globalization. In this study, researchers used descriptive qualitative methods with primary and secondary data sources namely through observation, interviews, and literature. Based on the results of the study, it was shown that the "Hunay" onion SMEs were able to face competition in the midst of economic globalization, it was proven that the area of product marketing was not only in Probolinggo, but even outside the city had penetrated foreign markets. Factors for MSMEs to survive in the midst of intense competition, namely MSMEs must continue to innovate, improve technology, and expand business networks to gain market share.
11	INAS FAHMIYAH	Konsep Waralaba Perspektif Ekonomi Islam	Nasional Terakreditasi	2019	Detail Penelitian Mahasiswa Jurnal Judul Artikel Konsep Waralaba Perspektif Ekonomi Islam Nama Jurnal Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah 3 (1) Halaman 133-148 Volume Nomor Jenis Publikasi Nasional Terakreditasi Peringkat Sinta 2 Ketua Peneliti INAS FAHMIYAH Anggota Peneliti MOH. IDIL GHUFRON, M.E.I. Abstrak The development of industrial world is increasingly rapid, various businesses are opened freely. There many concept used in business, one of them is franchise concept. This concept is one of kind bussines easely and most successful business models. This article is motivated by the rapid growth of the franchise business in our country Indonesia. The problems that will be examined are the development of the franchise business and how the Islamic economy views the franchise business. In Islam a franchise system is known as syirkah, namely a union between two or more people and profits are divided according to mutual agreement. The profit sharing is a profit system according to the sharia concept.
12	IRTIFAH	Peningkatan Ekonomi Desa Melalui Wisata Alam	Nasional Tidak Terakreditasi	2019	Detail Penelitian Mahasiswa Jurnal Judul Artikel Peningkatan Ekonomi Desa Melalui Wisata Alam Nama Jurnal Media Mahardhika 17 (2), Halaman 244-253 Volume Nomor Jenis Publikasi Nasional Tidak Terakreditasi Peringkat Tidak terakreditasi Ketua Peneliti IRTIFAH Anggota Peneliti MOH. IDIL GHUFRON, M.E.I. Abstrak A tour is industry influencing society economy and prospesity level. Creativity and innovation is necessary for the management and preservation of tour to keep existing andinviting more the tourist. The porpuse of this research is to analize development and rising level of village economy by observing the varietyof natural potential in the village, the development is done in stage by the porpuse to increase the amount of taurist, by the qualitative method, the data collection is by interviwing the tour manager. This research succeeds to prove the development and rising level of the village economy influenced by the level of village real income. It is different montly for about 3,4 million and the village is wonosari grujugan bondowoso. In brief, every village has a different potential. The thinking, skill and coperation of society with Indonesia forestry side to develop nature
13	MUHAMMAD ALI AKBAR	Sinkronisasi Ekonomi Pancasila Dan Ekonomi Islam	Nasional Terakreditasi	2019	Detail Penelitian Mahasiswa Jurnal Judul Artikel Sinkronisasi Ekonomi Pancasila Dan Ekonomi Islam Nama Jurnal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah 4 (1) Halaman 34-48 Volume Nomor Jenis Publikasi Nasional Terakreditasi Peringkat Sinta 4 Ketua Peneliti MUHAMMAD ALI AKBAR Anggota Peneliti MOH. IDIL GHUFRON, M.E.I. Abstrak This study discusses the concept of Pancasila economics and Islamic economics which have basic and not conflicting similarities. Both of these economic concepts share the goal of realizing social justice for all Indonesian people and social equality in prosperity and prosperity as stated in the five precepts of the Pancasila, as well as imbued with the first principle of the One Godhead Pancasila as its basis. In this study also explained that between the Pancasila economic concepts and Islamic economics are two economic concepts whose basic principles, characteristics and systems are in accordance with the teachings in the Qur'an which is the holy book of Muslims. So that this can strengthen the confidence of the Indonesian people to not hesitate to implement the Pancasila economy which is the noble heritage of the founding fathers of the nation. The method used in this study is library research, which refers to primal materials from two components which are the subject of discussion, namely the study of Pancasila economics and Islamic economics. And added with other books relating to the problems studied. While the writing method used is descriptive analytical, namely by collecting actual information in detail and thoroughly from the data obtained, to then describe the exact problem under study, then analyze it directly to be compiled as needed in this study by using data content analysis analysis.
14	AMINATUZ ZAHRAH	Halal Food Di Era Revolusi Industri 4.0: Prospek Dan Tantangan	Nasional Terakreditasi	2019	Detail Penelitian Mahasiswa Jurnal Judul Artikel Halal Food Di Era Revolusi Industri 4.0: Prospek Dan Tantangan Nama Jurnal Hayula: Indonesian Journal of Multidisciplinary Islamic Studies 3 (2) Halaman 121-138 Volume Nomor Jenis Publikasi Nasional Terakreditasi Peringkat Sinta 2 Ketua Peneliti AMINATUZ ZAHRAH Anggota Peneliti Achmad Fawaid, M. A., M. A. Abstrak The rapid change of industrial technology has increased some artificial intelligence in many aspects, including halal food. This paper seeks to find out the halal food industry in the era of the Industrial Revolution 4.0 and its impact on the existence of halal food in Indonesia. During Industrial Revolution 4.0, it is easy to manage halal food in terms of production or marketing process through sophisticated machine, complete laboratorium, modern halal valley, or artifical intelligences based applications. All of these aspects contribute to the halal food industries in Indonesia, since they are possible to be more popular, boarder in marketing, more effective in production, quicker in menu, more competitive in market. The halal food industry, in fact, has to be charged in global competitivenes.
15	BAHJATUL IMANIYAH	Akad Program Badan Penyelenggara Jaminan Sosial (Bpjs) Ketenagakerjaan Dalam Konteks Ekonomi Syariah	Nasional Terakreditasi	2019	Detail Penelitian Mahasiswa Jurnal Judul Artikel Akad Program Badan Penyelenggara Jaminan Sosial (Bpjs) Ketenagakerjaan Dalam Konteks Ekonomi Syariah Nama Jurnal Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam 4 (1) Halaman 96-110 Volume Nomor Jenis Publikasi Nasional Terakreditasi Peringkat Sinta 4 Ketua Peneliti BAHJATUL IMANIYAH Anggota Peneliti Dr. ABU HASAN AGUS R, M,Pd. Abstrak Menjadi keharusan bagi semua instansi maupun individu yang bekerja di negara Indonesia untuk menjadi anggota Badan Penyelenggara Jaminan Sosial (BPJS) untuk menjamin hidupnya saat bekerja. Tujuan penelitian ini akan menganalisis akad program BPJS Ketenagakerjaan dalam konteks ekonomi syariah. Dengan menggunakan metode kualitatif perspektif teoretis dengan mengumpulkan dokumen dan menganalisis data baik dari segi kelas, ras dan gender, tulisan ini ingin mengetahui akad yang terjadi dalam BPJS Ketenagakerjaan guna menjawab beberapa pertanyaan masyarakat Indonesia terkhususnya yang beragama Islam (Muslim). Berdasarkan hasil pembahasan, akad program BPJS Ketenagakerjaan tidak menyimpang dari hukum ekonomi syariah (hukum ekonomi Islam) karena, pada program Jaminan Kecelakaan Kerja (JKK) termasuk akad tabarru’ yang hanya dilaksanakan pada hal kebajikan saja. Pada program Jaminan Kematian (JKM) merupakan implementasi dari at-takmin at-ta’awuniy yaitu ta’awun dalam akad tabarru’. Kedua program tersebut untuk satu tujuan yaitu membantu kesejahteraan antar sesama tenaga kerja. Untuk program Jaminan Hari Tua (JHT), program ini memiliki konsep seperti akad mudharabah musytarakah. Begitu pula dengan program Jaminan Pensiun (JP) sebagai peralihan dari akad waris.

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