This study is the application of balanced scorecard on performance management of the Bank Syariah Mandiri Branch Bogor. Utilized a quantitative approach,the statistical method used is multiple linear regression. The sampling method was convenience sampling, which were 38 employees of Bank Syariah Mandiri Bogor. The quality test data used in this study using a test of validity, reliability testing, and distribution frequency questionnaire statement. As for testing the test, the test, t-test, and test the coefficient of determination. The results of the SPSS Version 23.0 for the adjusted R Square result were obtained from the SPSS were 89.4% while the remaining 10.6% were influenced by other variables that are not known. The results show that customer perspective, learning and growth perspective variables are positive and significant effect on management performance. While the financial perspective and internal business process have a positive and not significant perspective on management performance in Bank Syariah Mandiri Branch of Bogor.

Financing in Sharia Micro Financing Institutions (BMT) is dominated by certainty contracts, as it has less risk than syirkah contract like Mudharabah or Musyarakah based on Natural Uncertainty Contract (NUC). Implementation constraints syirkah contracts exist on both parties, financial institutions and clients. due to lack of financial reports, honesty and transparency of the client's business (asismetric information). The Client gives a business report if the results obtained are small or equivalent to the bank interest rate, but if the business profit is good, then the profit share must be high. This research is a qualitative descriptive analytical research, to see the implementation of syirkah contract on Sharia Micro Finance Institution (BMT) in Jepara Regency and its syariah compliance based on DSN-MUI fatwa. The results showed that BMT in Jepara regency can not fulfill the compliance of shariah contract of Natural Uncertanty Contract (NUC) due to high risk, human resource capability and low comprehension and lack of client's financial report.

This study aims to build a model of sharia life insurance in Indonesia. A model that combines the functions of Takaful institutions (Sharia Insurance) with Indonesian Waqf Institutions to generate insurance benefits directly and indirectly to policyholders. The method used in this research using descriptive qualitative method with case study strategy about operational of Takaful which is compared with some literature of Al Qur'an and Hadith. The data were obtained from in-depth interview technique, book and literature as well as Hadith commentary study. The results of this study indicate that with the application of ITW model, the insurance claim of the deceased policyholder will be given to the heirs in the form of death funds, in addition to these benefits, the recipients of the policy are also indirectly get the good deeds of some of the funds invested into the waqf institutions. On the application of such a model, the owner of the life insurance policy gets worldly benefits and ukhrowi, namely the claim of death funds and the good deed of the investment of some premium funds to Waqf Institution.

The background on this research that there are many people who have not managed a prosperous but has received funding from the program pusyar in Mojokerto. It thus indicates that the program pusyar conducted in Mojokerto experiencing the failure. The purpose of this study was to analyze the failure of programs to improve the welfare pusyar. The method used is a qualitative exploratory methods. The primary data obtained from interviews, observation and documentation of the parties associated with programs such as the SRB pusyar, Baznas, MES and also people who have not managed to prosper. While secondary data in this study were obtained from the print media or internet about pusyar, supporting data from a variety of journals, books that are relevant to the research. The results of the analysis carried out indicates that there are six factors to failure program pusyar in improving the well-being, namely: the level of income of the people that there is no improvement, the length of the process undertaken by the pusyar, funds provided to large businesses more than for small businesses, a guarantee that burden the people , the absence of assistance and facilities of the parties pusyar, and MES is not performing its role to the fullest.

The purpose of this study is for knowing the strategy of economic development in the village used in poverty reduction particularly in Nagara, Hulu Sungai Selatan, reviewed in perspective of micro Islam economic.The method of this research is qualitative research with the descriptive approach. Where data used is the primary data and secondary data.The results of this research are to improve the availability of distribution and expansion of various daily needs products such as health, food and clothing. Improved the life that is not only for the income, but also includes the addition of the provision of employment, improved the quality of education, and increased the cultural values and humanity. The expansion of economic and social to every individu and the whole nation. Rural development program understanding how to implement and empowering communities in any development activities, facilities, and infrastructures with a did the creativity trainings that aimed to ealleviate poverty.

The purpose of this study to analyze the model of calculating rates of the premium insurance on savings and non-savings products to segmentation market and the profit. The method of this study used the descriptive qualitative.Related to characteristics of the product for saving products more appropriate to applied to individu segmentation, whereas the non-saving product more appropriate if marketed to groups or companies. Companies that invest on high rate of return will use a relatively of smaller debt. The high rate of return will allow them to fund the majority of the finance when they need with the funds that obtained from internal activities.

As the development of information and increasingly sophisticated technology this global era, not least the young generation, especially students who fall into the hedonism culture. Behavior hedonism related to squeezing economic life, so that the Indonesian people, especially students understand very well be an economic system that is set in the religion of the Islamic Economic system, need for us to understanding the implementation of religion in the economic field intensively. Improvements of social and economic poblem can be resolved through solutions offered by the Al-Quran and Al-Hadith. Laws and guidelines are clearly contained there in, but how the application of a person against the Islamic economic principles will depend in how they understand the rules. Therefore CLC emerge from the output of the Qur'an and Al-Hadith as the solution to social problems. Circular discussion-based learning with studying the phenomenon of the contemporary economy is expected to accelerate the economic understanding of Islam among non-economic students of Islam. CLC can also be interpreted mentoring. The method used is the analysis of FGD and fusion methods of comparative literature. The research results can be obtained, that turned out to be an average of CLC is a method of supporting the economic understanding of Islam for the students who are accelerated out of the classroom. Thus CLC (Centered Learning Circular) is a scientific method of economic revitalization of Islam for the students.

This paper aims to find out illustration and estimation of zakat potency as well as the amount of zakat collection in Indonesia. Furthermore, it aims to outline the diversity between potency and realization of zakat. It used quantitative descriptive approach through secondary data collection from several sources. The result shows both potency and realization of zakat collection in Indonesia were increasing during 2011-2015. However, the amount of zakat potency surpasses the amount of zakat realization with wide gap.It shows that the average amount of zakat collection on 2011-2015 is less than 1% compare to its potency. One of the possible reason is most of Indonesian prefer to distribute their zakat directly to the muzakki, hence it is unrecorded.