Collection of zakat, infaq and social funds is one of the social functions that exist in sharia cooperatives. Efforts that can be made to implement social functions in sharia cooperatives must of course have a good collection, so that they are distributed in accordance with what is prescribed by Islam and all people in need can feel the maximum benefits from sharia cooperatives. In addition, the surrounding community can entrust or set aside some of their more opinion for zakat, infaq and social funds which will be redistributed by sharia cooperatives to people who are entitled to receive them with full trust. With that, the purpose of this study is to find out the description of the collection strategy and the opportunities and challenges in collecting zakat, infaq, and social funds in KBMT Dana Akhirat Arjasari Banjaran Bandung. The research method used is a case study with descriptive data analysis with a qualitative approach which can be obtained through informants and documents with data collection techniques through observation, interviews, and literature studies to be able to describe the collection and opportunities as well as challenges in collecting zakat, infaq and social funds. The results of the research on the analysis of strategies for collecting zakat, infaq and social funds that were carried out were in accordance with Islamic law but still optimized from internal parties and still did not have a special division of baitul maal in the management of zakat, infaq and social funds. Furthermore, in facing challenges in collecting zakat, infaq and social funds, the BMT Dana Akhirat Arjasari Cooperative must maximize its opportunities and strengths, such as having many members with various professions, establishing good relations with village officials, mosque and pesantren administrators, the amount of funds Zakat, infaq and social funds are quite large every year, there are educational scholarships for children of members who excel, establish good relations with DISKOP and UKM Kab. Bandung by DEKOPINDA.
Islamic banking is a financial institution that has a very important role in advancing the Indonesian economy as well as responding to the community's need to use a banking system based on sharia principles. However, sometimes there are many perceptions that Islamic banking is the same as conventional banking. Islamic banking has fundamental differences with conventional banking, namely regarding legal aspects, organizational structure, financed business activities and work environment. Sharia banking operations are based on sharia principles, namely the principle of profit sharing, the principle of buying and selling and leasing by running a business through mudharabah, musyarokah, murabbahah and ijaroh contracts. While conventional banking provides services in payment traffic with the principle of setting interest for both deposit and loan products (credit) and applying various fees in the form of nominal and certain percentages.
This study aims to analyze the level of health of the Koperasi Simpan Pinjam dan Pembiayaan Syariah Al Uswah Indonesia Kota Banjar in 2019. This study uses quantitative methods with health assessment analysis with health research analysis guided by the Regulation of the Deputy for Supervision of the Ministry of Cooperatives and UKM No. 07 / Per / Dep.6 / IV / 2016. concerning Guidelines for Health Assessment of Sharia Savings and Loans and Financing Cooperatives and Sharia Financing Savings and Loans Units. Based on the results of research on 8 aspects of assessing the health level of savings and loan cooperatives and sharia financing at the Al Uswah Indonesia KSPPS Banjar City in 2019, it is at the predicate of the level of health under supervision.
Seiring dengan semakin berkembangnya perekonomian di Indonesia saat ini, dapat dilihat dari semakin banyaknya Lembaga keuangan. salah satu faktor yang penting dalam sebuah perekonomian adalah pemasaran. Dalam persaingan untuk merebutkan pangsa pasar yang ketat dibutuhkan penyusunan strategi yang tepat dan juga menganalisis pasar yang jitu agar dapat memiliki kekuatan dalam persaingan. Begitipun dengan KSPPS Al- Uswah Cabang Banjar agar dapat bersaing dipasaran dibutuhkan strategi pemasaran bukan hanya dengan mengandalkan produk yang berkualitas tetapi juga didukung oleh upaya untuk mempromosikan produk atau jasa yang dimiliki. Dalam rangka memperkenalkan produk serta memperluas pangsa pasar, KSPPS Al-Uswah perlu adanya strategi pemasaran yang tepat unutk meningkatkan anggota, karena strategi pemasaran ini merupakan kunci dari semua proses operasional dari suatu perusahaan. Dengan begitu, adapun tujuan dari penelitian ini yaitu: untuk mengetahui gambaran dari strategi pemasaran dan implementasi dari startegi pemsaran produk pembiayaan dalam meningkatkan jumlah anggota di KSPPS Al-Uswah Indonesia. Metode yang dilakukan dalam penelitian ini adalah studi kasus dengan analisis data secara deskriptif dengan pendekatan kualitaif dimana dapat diperoleh dari informan dengan teknik pengumpulan data melalui observasi, wawancara, serta studi pustaka unutk dapat mendeskripsikan strategi pemasaran dan implementasi dari startegi pemasaran produk pembiayaan dalam meningkatkan jumlah anggota. Hasil penelitian mengenai analisis pemasaran produk pembiayaan dalam meningkatkan jumlah anggota yang dilakukan yaitu dengan melakukan strategi pemasaran seperti meningkatkan kegiatan promosi, meningkatkan kualitas sumber daya insani yang ada dan menjalin komunikasi yan baik dengan anggota. Dan dalam penerapannya pun sudah bagus dan pembiayaan yang diterapkanya pun sudah sesuai dengan akad (kerjasama) antara anggota dengan KSPPS Al-Uswah Indonesia cabang Banjar. Dan dalam kegiatan pemasarannya, KSPPS Al Uswah Indonesia Cabang Banjar dalam memasarkan produknya sudah menerapkan bauran pemasaran (marketing mix), yaitu: produk (product), harga (price), tempat (place), promosi (promotion), orang (people), bukti fisik (physical evidence) dan proses (process).
This study aims to criticize the application of sharia principles at the operational level of sharia insurance companies which are conventional insurance units, namely the Allianz Life Indonesia Insurance. The study was conducted using primary data, both observations and use of records and reports owned by the company. Data obtained and analyzed by descriptive method with a qualitative approach. The results obtained from this study are that the operational mechanism of Allianz Life Indonesia's insurance in general is in accordance with Islamic principles, but it needs some further research on the tabarru of premium payments on allisya protection products, which payments begin on the 13th month, while based on national fatwas Tabarru Islamic Premium Payment is carried out since the first month of membership.
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