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All Journal Madinah: Jurnal Studi Islam BISEI: Jurnal Bisnis dan Ekonomi Islam AL-ARBAH: Journal of Islamic Finance and Banking
Majid Toyyibi, Abdul
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Implementation Of Electronic Money In Developing Payment Transactions Through Islamic Economic Perspective Toyyibi, Abdul Majid
AL-ARBAH: Journal of Islamic Finance and Banking Vol 1, No 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.v1i1.4098

Abstract

AbstractPurpose - By upholding the value of sharia principles economic activities. Electronic money is a financial transaction that is used by the community as a substitute for cash, and ottopay is part of it, to help become a financial intermediary with an electronic system through QR and billers.Method - The research is based on researching ottopay in its transactions by using a descriptive qualitative.Result - From the research method process used in the study resulted in the study that the implementation of ottopay in topping up by filling directly via the bank ATM or through an agent by clicking the wallet menu then top up and following the steps until the confirmation is successful and the balance is ready whenever it can be used.Implication - The existence of the Ottopay system is a support for the community to be able to think forward in the world of finance and technology, in addition, ottopay can be used as a business opportunity to provide benefits in the form of added value in the form of turnover that can be owned by merchants and can be used as additional income for the community.  Originality - The implementation of ottopay between users and publishers and users and merchants is in accordance with the rules of the DSN MUI fatwa, therefore the benefits of the ottopay application can guarantee security, easy and practical use so that people's economic turnaround is faster because it has an electronic digital system.
Resiko Transaksi Bisnis Syariah Baitul Maal Wat Tamwil Studi Kasus Produk Pembiayaan Majid Toyyibi, Abdul; Mawardi, Imam
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 6 No 01 (2021): Juni
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v6i01.1573

Abstract

Abstract: In BMT, risk is identical with financing and risk is like an enemy that cannot be abandoned, must be fought and watched out for. Fighting and being wary of is meant so that there is an analysis process in accordance with applicable regulations carried out by certain parties such as BMT for policy purposes in determining the results of the analysis of financing. Then from here used the type and approach is qualitative by looking at case studies or events in the field until from the results of interviews and documentation, data analysis is carried out so that the data can be accounted for the validity of the data. From this research, it was found that BMT has tips to avoid high risk, at least there are preventive actions as a reference for generating a financing that indicates a risk.
Analisis Pembiayaan Syariah Pada Bank Wakaf Mikro (BWM) Al Fithrah Wafa Mandiri Surabaya Ghofur, Abdul; Majid Toyyibi, Abdul; Efendi, Lukman
MADINAH Vol 5 No 2 (2018): Madinah: Jurnal Studi Islam
Publisher : INSTITUT AGAMA ISLAM TARBIYATUT THOLABAH LAMONGAN, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/madinah.v5i2.1284

Abstract

In this study, Micro Waqf Banks became the main focus because their existence was indeed a driving force for the economy of the ummah from various pre and post readiness to the process of being able to pay installments. So this research uses a descriptive qualitative type and approach by conducting field visits to meet with informants to the process of identifying field data which is carried out technically until data analysis is carried out. So that in this study the financing process was carried out in accordance with the 5C assessment and there were HALMI activities (weekly halaqoh) to build good communication between customers and BWM.
Co-Authors Abdul Ghofur Efendi, Lukman Imam Mawardi