Hiwalah is the transfer of the right to claim debts to other (third) parties on the basis of the consent of the party who gives the debt. The basis of the hiwalah contract is that ta'awun is a help- helping activity in the good among fellow Muslims. Reseller Pusri KPL. Surya Usaha Tani sells fertilizer with a tempo system with a gradual payment after the rice harvest, the results of which cannot be ascertained. The debt of the fertilizer slasher in Pusri is paid by farmers after getting money from the sale of their paddy harvest. However, in the payment, there is an additional cost of fertilizing rice fields for which there is no record of costs as a statement. The additional payments are not clearly known to farmers which is a common occurrence in the local community. However, in Islamic law the transaction of Hiwalah with Ujroh must have special records and particulars so that it can be proved and known together and not become gharar (Unclear). Implementation of hiwalah agreements for takers – transfer of subsidized fertilizer debt at pusri retailers KPL. Surya Usaha Tani needs research to be able to positively influence the surrounding community who do not understand hiwalah transactions clearly. It is also in the case of unilateral pricing of retailers and the system of expropriating fertilizer debts with the lack of clarity on the exact costs to these farmers needs to be analyzed under Islamic law against the Subsidized Fertilizer Debt Takers. The research method used in this study uses qualitative methods with the type of library research and also uses field research. Primary data sources are obtained from interviews with respondents while secondary data sources are obtained through books, literature studies, and various other sources. The data collection techniques used are observation, interview and documentation directly. The results of the analysis showed that the practice of transferring the debt of the farmers with KPL. Surya Usaha Tani told The Rice Slasher that there was no agreement at the beginning on all additional services in finding workers who were willing to work on seeding fertilizer and also transportation services in the transportation of fertilizer which was measured from the distance traveled and the constraints of transporting fertilizer to several different rice fields. Then Hiwalah was shari'a by Islam and allowed because there was a maslahat to help and facilitate in muamalah activities because it included evidence of mutual help to others. Hiwalah KPL. Surya Usaha Tani is allowed under Islam if in the implementation of the hiwalah contract which coincides with wages (ujroh) on the transfer of farmers' debts by KPL. Surya Usaha Tani to the rice slasher has a clearly written agreement along with the witness so that in the agreement in cutting the crop for fertilizer debt and other costs so that both parties feel willing in the existence of the transaction.
Hiwalah是在提供债务的一方同意的基础上将债权转移给其他(第三方)方。hiwalah契约的基础是，taawun是一种在穆斯林同胞中做好事的帮助活动。经销商Pusri KPL。Surya Usaha Tani销售的肥料采用节奏系统，在水稻收获后逐步支付，其结果无法确定。普斯里的化肥公司的债务由农民在出售他们的稻谷收获后偿还。但是，在付款中，有一项额外的稻田施肥费用，对此费用没有作为报表记录。农民并不清楚额外的支付，这在当地社区很常见。然而，在伊斯兰法律中，Hiwalah与Ujroh的交易必须有特殊的记录和细节，以便可以一起证明和了解，而不是成为gharar(不清楚)。实施hiwalah协议的接受者-在pusri零售商KPL转让补贴肥料债务。Surya Usaha Tani需要进行研究，以便能够对周围不清楚hiwalah交易的社区产生积极影响。在零售商单方面定价的情况下，以及征收化肥债务的制度，缺乏对这些农民的确切成本的明确，也需要根据伊斯兰法对补贴化肥债务承受者进行分析。本研究的研究方法采用定性的方法和图书馆研究的类型，同时也采用实地调查的方法。主要数据来源是通过对受访者的访谈获得的，而次要数据来源是通过书籍、文献研究和各种其他来源获得的。使用的数据收集技术是直接观察、访谈和记录。分析结果表明，以KPL转移农民债务的做法是有效的。Surya Usaha Tani告诉The Rice Slasher，一开始并没有就寻找愿意从事播种肥料工作的工人的所有额外服务达成协议，也没有就运输肥料的运输服务达成协议，这是根据运输距离和将肥料运输到几个不同稻田的限制来衡量的。然后Hiwalah是伊斯兰教的伊斯兰教法，因为有maslahat来帮助和促进muamalah的活动，因为它包含了相互帮助的证据。Hiwalah KPL。Surya Usaha Tani在伊斯兰教下被允许执行hiwalah合同，该合同与KPL转移农民债务的工资(ujroh)相吻合。稻谷surya Usaha Tani向稻割者提供了一份明确的书面协议以及证人，以便在协议中以割庄稼的方式偿还肥料债务和其他费用，从而使双方都感到愿意在交易中存在。
{"title":"IMPLEMENTATION OF HIWALAH AGREEMENT AGAINST TAKERS – TRANSFER OF SUBSIDIZED FERTILIZER DEBT AT PUSRI RETAILERS KPL. SURYA USAHA TANI","authors":"M. Fatchurrohman, Ahmad Syihabudin","doi":"10.54090/hukmu.136","DOIUrl":"https://doi.org/10.54090/hukmu.136","url":null,"abstract":"Hiwalah is the transfer of the right to claim debts to other (third) parties on the basis of the consent of the party who gives the debt. The basis of the hiwalah contract is that ta'awun is a help- helping activity in the good among fellow Muslims. Reseller Pusri KPL. Surya Usaha Tani sells fertilizer with a tempo system with a gradual payment after the rice harvest, the results of which cannot be ascertained. The debt of the fertilizer slasher in Pusri is paid by farmers after getting money from the sale of their paddy harvest. However, in the payment, there is an additional cost of fertilizing rice fields for which there is no record of costs as a statement. The additional payments are not clearly known to farmers which is a common occurrence in the local community. However, in Islamic law the transaction of Hiwalah with Ujroh must have special records and particulars so that it can be proved and known together and not become gharar (Unclear).\u0000Implementation of hiwalah agreements for takers – transfer of subsidized fertilizer debt at pusri retailers KPL. Surya Usaha Tani needs research to be able to positively influence the surrounding community who do not understand hiwalah transactions clearly. It is also in the case of unilateral pricing of retailers and the system of expropriating fertilizer debts with the lack of clarity on the exact costs to these farmers needs to be analyzed under Islamic law against the Subsidized Fertilizer Debt Takers.\u0000The research method used in this study uses qualitative methods with the type of library research and also uses field research. Primary data sources are obtained from interviews with respondents while secondary data sources are obtained through books, literature studies, and various other sources. The data collection techniques used are observation, interview and documentation directly.\u0000The results of the analysis showed that the practice of transferring the debt of the farmers with KPL. Surya Usaha Tani told The Rice Slasher that there was no agreement at the beginning on all additional services in finding workers who were willing to work on seeding fertilizer and also transportation services in the transportation of fertilizer which was measured from the distance traveled and the constraints of transporting fertilizer to several different rice fields. Then Hiwalah was shari'a by Islam and allowed because there was a maslahat to help and facilitate in muamalah activities because it included evidence of mutual help to others. Hiwalah KPL. Surya Usaha Tani is allowed under Islam if in the implementation of the hiwalah contract which coincides with wages (ujroh) on the transfer of farmers' debts by KPL. Surya Usaha Tani to the rice slasher has a clearly written agreement along with the witness so that in the agreement in cutting the crop for fertilizer debt and other costs so that both parties feel willing in the existence of the transaction.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-03-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126165334","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The strategy in the Islamic economic system is not an alternative economic system or an economic system middle class, but is a solutive economic system for various problems that while it appears. Research Methods used by researchers in compiling this writing is with use method descriptive . Method descriptive is method in researching something object, a system of thought or at present (Nazir, 1988:63). With this descriptive researcher try make One description, description or painting in a manner systematic , accurate about facts , attributes as well as connection between phenomena that occur in the economic system that is run. The Islamic economic system and its development in society, then For can reach balance development And well-being people, needed exists a harmonious (civilized) society, where this can be realized when there is something paradigm. The paradigm of civil society can be said to be Islamic when it is realized through principles And values Islam addressed For get fail.
{"title":"THE STRATEGY OF THE ISLAMIC ECONOMIC SYSTEM IN INDONESIA’S DEVELOPMENT","authors":"Izzun Khoirun Nissa","doi":"10.54090/hukmu.147","DOIUrl":"https://doi.org/10.54090/hukmu.147","url":null,"abstract":"The strategy in the Islamic economic system is not an alternative economic system or an economic system middle class, but is a solutive economic system for various problems that while it appears. Research Methods used by researchers in compiling this writing is with use method descriptive . Method descriptive is method in researching something object, a system of thought or at present (Nazir, 1988:63). With this descriptive researcher try make One description, description or painting in a manner systematic , accurate about facts , attributes as well as connection between phenomena that occur in the economic system that is run. The Islamic economic system and its development in society, then For can reach balance development And well-being people, needed exists a harmonious (civilized) society, where this can be realized when there is something paradigm. The paradigm of civil society can be said to be Islamic when it is realized through principles And values Islam addressed For get fail.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-03-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122020708","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to describe the role of the Sharia Supervisory Board (DPS) towards sharia compliance and to analyze the application of sharia compliance in murabaha contract financing products. The research method used is normative legal research with a qualitative approach. In this study, researchers examined concrete legal regulations and substantial regulations accompanied by supporting literature in the form of literary sources that were relevant to the research object being discussed. The results of the study show that the existence of the Sharia Supervisory Board (DPS) is to guarantee and supervise Islamic banks so that they remain in the corridors of Islamic law. The role of the Sharia Supervisory Board (DPS) is very crucial in the implementation of sharia compliance in Islamic banks in Indonesia. The role of the Sharia Supervisory Board (DPS) at the technical level of banking operations is very important considering the duties, responsibilities and authorities they have. The Sharia Supervisory Board (DPS) in carrying out their duties can be active or responsive. The Sharia Supervisory Board (DPS) must actively supervise, collect data, analyze and correct various findings of sharia non-compliance in an Islamic bank. Financing with a murabaha contract that has been practiced by Islamic banking has deviated from several provisions in the DSN MUI Fatwa and there is a conflict with the legal terms of a sale and purchase agreement with a murabaha contract, namely the bank fully represents the customer to buy and receive goods from suppliers and gives the right to carry out deed of sale and purchase for and on behalf of the customer himself directly with the supplier. Islamic banks should first buy the object before the object is sold to the customer and also in this practice only one sale and purchase transaction, namely between the supplier and the customer. Based on DSN MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah, murabahah financing must occur in two sale and purchase agreements.
本研究旨在描述伊斯兰教法监事会(DPS)在伊斯兰教法合规方面的作用，并分析伊斯兰教法合规在murabaha合同融资产品中的应用。本文采用的研究方法是规范性法律研究和定性研究。在本研究中，研究人员考察了与研究对象相关的具体法律规定和实质性规定，并以文学来源的形式支持文献。研究结果表明，伊斯兰教法监督委员会(DPS)的存在是为了保证和监督伊斯兰银行，使它们保持在伊斯兰法律的走廊上。伊斯兰教法监事会(DPS)在印度尼西亚伊斯兰银行执行伊斯兰教法合规方面的作用至关重要。伊斯兰教法监事会(DPS)在银行业务技术层面的作用非常重要，考虑到他们的职责、责任和权力。伊斯兰教法监事会(DPS)在履行其职责时可以是积极的，也可以是响应性的。伊斯兰教法监事会(DPS)必须积极监督、收集数据、分析和纠正伊斯兰银行不遵守伊斯兰教法的各种发现。伊斯兰银行实行的murabaha合同融资已经偏离了DSN MUI Fatwa中的一些规定，并且与murabaha合同的买卖协议的法律条款存在冲突，即银行完全代表客户从供应商处购买和接收货物，并赋予客户本人直接与供应商执行买卖契约的权利。伊斯兰银行应该先购买物品，然后再出售给客户，而且在这种做法中，只有一次买卖交易，即供应商和客户之间的交易。根据DSN MUI Fatwa No. 04/DSN-MUI/IV/2000关于Murabahah的规定，Murabahah融资必须发生在两个买卖协议中。
{"title":"ANALISIS PENERAPAN SHARIA COMPLIANCE DALAM PRODUK PEMBIAYAAN AKAD MURABAHAH","authors":"","doi":"10.54090/hukmu.134","DOIUrl":"https://doi.org/10.54090/hukmu.134","url":null,"abstract":"This study aims to describe the role of the Sharia Supervisory Board (DPS) towards sharia compliance and to analyze the application of sharia compliance in murabaha contract financing products. The research method used is normative legal research with a qualitative approach. In this study, researchers examined concrete legal regulations and substantial regulations accompanied by supporting literature in the form of literary sources that were relevant to the research object being discussed. The results of the study show that the existence of the Sharia Supervisory Board (DPS) is to guarantee and supervise Islamic banks so that they remain in the corridors of Islamic law. The role of the Sharia Supervisory Board (DPS) is very crucial in the implementation of sharia compliance in Islamic banks in Indonesia. The role of the Sharia Supervisory Board (DPS) at the technical level of banking operations is very important considering the duties, responsibilities and authorities they have. The Sharia Supervisory Board (DPS) in carrying out their duties can be active or responsive. The Sharia Supervisory Board (DPS) must actively supervise, collect data, analyze and correct various findings of sharia non-compliance in an Islamic bank. Financing with a murabaha contract that has been practiced by Islamic banking has deviated from several provisions in the DSN MUI Fatwa and there is a conflict with the legal terms of a sale and purchase agreement with a murabaha contract, namely the bank fully represents the customer to buy and receive goods from suppliers and gives the right to carry out deed of sale and purchase for and on behalf of the customer himself directly with the supplier. Islamic banks should first buy the object before the object is sold to the customer and also in this practice only one sale and purchase transaction, namely between the supplier and the customer. Based on DSN MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah, murabahah financing must occur in two sale and purchase agreements.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-03-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122953778","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Marriage is a phenomenon that is always interesting to discuss in society. Marriage is an important thing for human life, especially in social life in society and survival for the next generation of humans. The phenomenon of early marriage in Baki District has recently been increasing over the last three years. This study aims to analyze what factors influence the occurrence of early marriage and analyze the level of household welfare in couples rising at an early age Religious AffairsOffice in the Baki District.This research is a qualitative descriptive study aimed at getting an overview of the factors that lead to early marriage and the level of family welfare of couples who marry at an early age in the Baki District area. Data collection techniques in this study used direct surveys, interviews and documentation studies. The data analysis technique used in this study uses interactive descriptive analysis.The results of this study draw the conclusion that the main cause of underage marriages in the Baki District area is due to pregnancy out of wedlock which is influenced by the presence of promiscuity factors, educational factors, economic factors and parental encouragement factors. The welfare level of early age couples in the Baki District is included in the pre-prosperous level.
{"title":"ANALISA TINGKAT KESEJAHTERAAN KELUARGA PASANGAN MENIKAH USIA DINI KANTOR URUSAN AGAMA (KUA) KECAMATAN BAKI","authors":"N. Nurjianti, B. Baehaqi, Joko Sarjono","doi":"10.54090/hukmu.137","DOIUrl":"https://doi.org/10.54090/hukmu.137","url":null,"abstract":"Marriage is a phenomenon that is always interesting to discuss in society. Marriage is an important thing for human life, especially in social life in society and survival for the next generation of humans. The phenomenon of early marriage in Baki District has recently been increasing over the last three years. This study aims to analyze what factors influence the occurrence of early marriage and analyze the level of household welfare in couples rising at an early age Religious AffairsOffice in the Baki District.This research is a qualitative descriptive study aimed at getting an overview of the factors that lead to early marriage and the level of family welfare of couples who marry at an early age in the Baki District area. Data collection techniques in this study used direct surveys, interviews and documentation studies. The data analysis technique used in this study uses interactive descriptive analysis.The results of this study draw the conclusion that the main cause of underage marriages in the Baki District area is due to pregnancy out of wedlock which is influenced by the presence of promiscuity factors, educational factors, economic factors and parental encouragement factors. The welfare level of early age couples in the Baki District is included in the pre-prosperous level.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-03-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128886926","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Baitul Maal waa Tamwil (BMT) is indeed a different MFI because it has a business and social side. Regulations related to the existence of BMTs include Law Number 23 of 2011 concerning Zakat Management, Law Number 25 of 1992 concerning Cooperatives and Law Number 1 of 2013 concerning Microfinance Institutions (MFIs), as referred to in the Law concerning the Financial Services Authority, Article 1 paragraph (8) of Law no. 1 of 2013 concerning Microfinance Institutions (MFIs). That is an institution that is independent and free from interference from other parties, which has the functions, duties, regulatory authority, supervision, examination, and investigation as referred to in this Law. Article 1 Paragraph (1) of Law no. 11 of 2011 concerning the Financial Services Authority (OJK). One of these institutions is KSPPS-BMT Makmur Mandiri Sukoharjo. The purpose of this study was to determine the procedures for implementing accounts payable contracts on financing products at KSPPS-BMT Makmur Mandiri. The research method used is descriptive qualitative. Sources of data in the form of interviews, observations, and documentation. The results of the study stated that KSPPS-BMT Makmur Mandiri Sukoharjo already had a financing product, namely the Mudharabah Principle, which was divided into two namely mutlaqah and muqayyaddah. Musharaka Principle. The principle of Wadi'ah is divided into two, namely wadi'ah yad dhamanah and wadi'ah Amanah. The principle of buying and selling, consists of murabahah and ishtisna. Services include wakalah, kafalah and ijarah. The principle of loan or debt, consists of hawalah, rahn and qard.
Baitul Maal waa Tamwil (BMT)确实是一个不同的小额信贷机构，因为它有商业和社会的一面。与bmt存在相关的法规包括2011年关于天课管理的第23号法律，1992年关于合作社的第25号法律和2013年关于小额信贷机构(mfi)的第1号法律，如金融服务管理局法第1条第(8)款所述。关于小额信贷机构(MFIs)的2013年1月1日。是指具有本法规定的职责、管理权限、监督、检查、调查等独立、不受其他各方干涉的机构。第一条中华人民共和国刑法第(一)款关于金融服务管理局(OJK)的2011年第11号法令。其中一个机构是KSPPS-BMT Makmur Mandiri Sukoharjo。本研究的目的是确定在KSPPS-BMT Makmur Mandiri执行融资产品应付账款合同的程序。使用的研究方法是描述性定性的。访谈、观察和文件形式的数据来源。研究结果表明，KSPPS-BMT Makmur Mandiri Sukoharjo已经有了一个融资产品，即Mudharabah原则，分为mutlaqah和muqayyaddah两种。Musharaka原则。Wadi'ah的原则分为两个，即Wadi'ah yad dhamanah和Wadi'ah Amanah。买卖的原则包括murabahah和ishtisna。服务包括wakalah, kafalah和ijarah。贷款或债务的原则，由hawalah, rahn和qard组成。
{"title":"ANALISA AKAD HUTANG PIUTANG YANG DITERAPKAN PADA BAITUL MAAL WA TAMWIL (BMT) MAKMUR MANDIRI PERIODE TAHUN 2019-2021","authors":"Syaifullah Anwar, B. Baehaqi, S. Sulistyowati","doi":"10.54090/hukmu.104","DOIUrl":"https://doi.org/10.54090/hukmu.104","url":null,"abstract":"Baitul Maal waa Tamwil (BMT) is indeed a different MFI because it has a business and social side. Regulations related to the existence of BMTs include Law Number 23 of 2011 concerning Zakat Management, Law Number 25 of 1992 concerning Cooperatives and Law Number 1 of 2013 concerning Microfinance Institutions (MFIs), as referred to in the Law concerning the Financial Services Authority, Article 1 paragraph (8) of Law no. 1 of 2013 concerning Microfinance Institutions (MFIs). That is an institution that is independent and free from interference from other parties, which has the functions, duties, regulatory authority, supervision, examination, and investigation as referred to in this Law. Article 1 Paragraph (1) of Law no. 11 of 2011 concerning the Financial Services Authority (OJK). One of these institutions is KSPPS-BMT Makmur Mandiri Sukoharjo. The purpose of this study was to determine the procedures for implementing accounts payable contracts on financing products at KSPPS-BMT Makmur Mandiri. The research method used is descriptive qualitative. Sources of data in the form of interviews, observations, and documentation. The results of the study stated that KSPPS-BMT Makmur Mandiri Sukoharjo already had a financing product, namely the Mudharabah Principle, which was divided into two namely mutlaqah and muqayyaddah. Musharaka Principle. The principle of Wadi'ah is divided into two, namely wadi'ah yad dhamanah and wadi'ah Amanah. The principle of buying and selling, consists of murabahah and ishtisna. Services include wakalah, kafalah and ijarah. The principle of loan or debt, consists of hawalah, rahn and qard. ","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-03-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133270946","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Income management is not an important factor for PER, because the EBTZP variable is not significant. Future studies need to examine how PER affects capital regulation. The findings of this study indicate that Islamic Banks use PER and IRR to stabilize profits. Although there is empirical evidence on PER behavior and IRR allowance by Islamic Bank institutions, evidence from other financial institutions is still scarce. Based on this research, in the case of Malaysia, there are other institutions that offer Islamic financial products and services, namely developing financial institutions such as Agro Bank, SME Bank, National Savings Bank. These results indicate that Bank Malaysia does not equalize income over time using PER, and in this study it is shown that income management is not an important factor in PER.
{"title":"APAKAH BANK ISLAM MALAYSIA MENGELOLA PENGHASILAN DENGAN PROFIT EQUALIZATION RESERVE?","authors":"Izzun Khoirun Nissa","doi":"10.54090/hukmu.75","DOIUrl":"https://doi.org/10.54090/hukmu.75","url":null,"abstract":"Income management is not an important factor for PER, because the EBTZP variable is not significant. Future studies need to examine how PER affects capital regulation. The findings of this study indicate that Islamic Banks use PER and IRR to stabilize profits. Although there is empirical evidence on PER behavior and IRR allowance by Islamic Bank institutions, evidence from other financial institutions is still scarce. Based on this research, in the case of Malaysia, there are other institutions that offer Islamic financial products and services, namely developing financial institutions such as Agro Bank, SME Bank, National Savings Bank. These results indicate that Bank Malaysia does not equalize income over time using PER, and in this study it is shown that income management is not an important factor in PER.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124454771","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to analyze the effect of brand image, sharia financial literacy, and shariah governance, on the decision to use sharia banking services in Jepara Regency. This study is a quantitative study, with multiple linear regression analysis method, using SPSS version 16. The results showed that the brand image variable (X1) and Islamic financial literacy variable (X2), significantly influenced the decision to use Islamic banking services in Jepara Regency ( Y). While the shariah governance variable (X3) has no significant effect on the decision to use sharia banking services in Jepara Regency (Y). Simultaneously, the brand image variable (X1), the Islamic financial literacy variable (X2), and the sharia governance variable (X3), have a significant effect on the decision to use Islamic banking services in Jepara Regency.
{"title":"PENGARUH BRAND IMAGE, LITERASI KEUANGAN SYARIAH, DAN SHARIAH GOVERNANCE, TERHADAP KEPUTUSAN MENGGUNAKAN JASA PERBANKAN SYARIAH","authors":"N. Niswatun, E. Susilo","doi":"10.54090/hukmu.74","DOIUrl":"https://doi.org/10.54090/hukmu.74","url":null,"abstract":"This study aims to analyze the effect of brand image, sharia financial literacy, and shariah governance, on the decision to use sharia banking services in Jepara Regency. This study is a quantitative study, with multiple linear regression analysis method, using SPSS version 16. The results showed that the brand image variable (X1) and Islamic financial literacy variable (X2), significantly influenced the decision to use Islamic banking services in Jepara Regency ( Y). While the shariah governance variable (X3) has no significant effect on the decision to use sharia banking services in Jepara Regency (Y). Simultaneously, the brand image variable (X1), the Islamic financial literacy variable (X2), and the sharia governance variable (X3), have a significant effect on the decision to use Islamic banking services in Jepara Regency.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128996334","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
A. Azizah, M. Rohadi, Mi'roju Abdul Rozaq Al Ghifari, Nika Hidayatur Rahmah
Abstract Indonesia is a heterogeneous country with a diversity of races, religions, ethnicities, tribes and cultures. Countries that have diversity have a great chance of division in society. This makes it a responsibility and challenge for the community in an effort to prevent division. The purpose of this community service activity is to provide information related to the heterogeneous condition of the Indonesian nation, raise awareness in maintaining unity and invite the community to continue to foster mutual tolerance in the community in order to realize national integration. The method of community service implementation is by Interview, music video presentation, and direct discussion. The active role of the community in realizing national integration is very necessary, especially in Wonosari, Klaten. The way to realize national integrase is to not discriminate diversity for example in ethnic, cultural, regional and so on, run the worship in accordance with the beliefs and religions adopted, build awareness of the importance of National Integration, do mutual cooperation in order to increase awareness of society, nation, and state, maintain the unity and unity of the nation, willing to maintain the Unitary State of the Republic of Indonesia, etc.
{"title":"MENYADARKAN PENTINGNYA MENJAGA PERSATUAN DAN TOLERANSI ANTARMASYARAKAT DI WONOSARI, KLATEN SEBAGAI UPAYA MEWUJUDKAN INTEGRASI NASIONAL","authors":"A. Azizah, M. Rohadi, Mi'roju Abdul Rozaq Al Ghifari, Nika Hidayatur Rahmah","doi":"10.54090/hukmu.77","DOIUrl":"https://doi.org/10.54090/hukmu.77","url":null,"abstract":"Abstract \u0000Indonesia is a heterogeneous country with a diversity of races, religions, ethnicities, tribes and cultures. Countries that have diversity have a great chance of division in society. This makes it a responsibility and challenge for the community in an effort to prevent division. The purpose of this community service activity is to provide information related to the heterogeneous condition of the Indonesian nation, raise awareness in maintaining unity and invite the community to continue to foster mutual tolerance in the community in order to realize national integration. The method of community service implementation is by Interview, music video presentation, and direct discussion. The active role of the community in realizing national integration is very necessary, especially in Wonosari, Klaten. The way to realize national integrase is to not discriminate diversity for example in ethnic, cultural, regional and so on, run the worship in accordance with the beliefs and religions adopted, build awareness of the importance of National Integration, do mutual cooperation in order to increase awareness of society, nation, and state, maintain the unity and unity of the nation, willing to maintain the Unitary State of the Republic of Indonesia, etc.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122594137","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Indonesia is a constitutional state as stated in the 1945 Constitution. For Indonesia, the enforcement of human rights is a principle that is upheld. As a nation that has experienced colonialism, the founder of our Republic is aware of the meaning of human rights in state activities. The purpose of conducting this research is to introduce information related to the rule of law and human rights, to open public knowledge about human rights and to make people aware that the role of the community is very much needed in protecting the human rights of Indonesian citizens and the need to increase the sense of nationalism of local residents. The activity is centered on the introduction of human rights to the public through media exposure about the rule of law and human rights. The implementation method for this community service is by interviewing, media exposure, discussion, activity reports to the person in charge of the community. The active role of community members in maintaining and reducing pollution and moral damage in respecting the human rights of fellow citizens that occurs in Indonesia, especially in Banjarsari District, Surakarta.
{"title":"MENGENALKAN PERAN SERTA MASYARAKAT DALAM PENEGAKAN NEGARA HUKUM DAN HAK ASASI MANUSIA DI BANJARSARI, SURAKARTA","authors":"Salahudin Khairul Huda, Umi Najah, Aisyah Mar'atus Shalihah, Abid Abiyyu Nur Mustofa","doi":"10.54090/hukmu.78","DOIUrl":"https://doi.org/10.54090/hukmu.78","url":null,"abstract":"Indonesia is a constitutional state as stated in the 1945 Constitution. For Indonesia, the enforcement of human rights is a principle that is upheld. As a nation that has experienced colonialism, the founder of our Republic is aware of the meaning of human rights in state activities. The purpose of conducting this research is to introduce information related to the rule of law and human rights, to open public knowledge about human rights and to make people aware that the role of the community is very much needed in protecting the human rights of Indonesian citizens and the need to increase the sense of nationalism of local residents. The activity is centered on the introduction of human rights to the public through media exposure about the rule of law and human rights. The implementation method for this community service is by interviewing, media exposure, discussion, activity reports to the person in charge of the community. The active role of community members in maintaining and reducing pollution and moral damage in respecting the human rights of fellow citizens that occurs in Indonesia, especially in Banjarsari District, Surakarta.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124023312","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Muhammad Kurniawan Budi Wibowo, Astrie Octasari, J. Julia, Kirana Abubakar
Tujuan dari penelitian ini adalah untuk mengetahui tingkat persentase dispensasi nikah di Kecamatan Wara Timur dan mendeskripsikan secara mendalam optimalisasi implementasi dispensasi nikah berdasarkan UU No. 16 Tahun 2019 serta mengetahui dan mendeskripsikan faktor penghambat atau kendala dalam implementasi dispensasi nikah tersebut. Metode penelitian yang digunakan adalah pendekatan kualitatif. Dalam penelitian ini peneliti menggunakan teknik pengumpulan data berupa wawancara disertai literatur pendukung yang diperoleh dari beberapa sumber kepustakaan yang relevan dengan kajian ini. Hasil penelitian menunjukkan bahwa tingkat persentase yang melakukan pengajuan dispensasi nikah di Kecamatan Wara Timur hanya sekitar 20% yang sebagian besar alasannya dikarenakan hamil di luar nikah. Adapun implementasi dispensasi nikah di Kecamatan Wara Timur telah sesuai dengan aturan yang telah ditetapkan dalam UU No. 16 Tahun 2019. Dimana pengajuan dispensasi nikah disini diajukan oleh orang tua pihak pria dan/ atau orang tua pihak wanita yang dilakukan karena alasan sangat mendesak dan disertai bukti-bukti pendukung yang cukup. Faktor penghambat atau kendala dalam implementasi dispensasi nikah ini ialah terkait masalah waktu. Maksudnya, waktu penetapan pernikahan dimana jarak antara sidang di pengadilan dengan tanggal pernikahan sangat berdekatan yang mengakibatkan proses pengadilan belum selesai namun waktu pernikahan telah tiba sehingga saling berbenturan waktu.
{"title":"IMPLEMENTASI DISPENSASI NIKAH BERDASARKAN UU NO. 16 TAHUN 2019 DI KECAMATAN WARA TIMUR KOTA PALOPO","authors":"Muhammad Kurniawan Budi Wibowo, Astrie Octasari, J. Julia, Kirana Abubakar","doi":"10.54090/hukmu.76","DOIUrl":"https://doi.org/10.54090/hukmu.76","url":null,"abstract":"Tujuan dari penelitian ini adalah untuk mengetahui tingkat persentase dispensasi nikah di Kecamatan Wara Timur dan mendeskripsikan secara mendalam optimalisasi implementasi dispensasi nikah berdasarkan UU No. 16 Tahun 2019 serta mengetahui dan mendeskripsikan faktor penghambat atau kendala dalam implementasi dispensasi nikah tersebut. Metode penelitian yang digunakan adalah pendekatan kualitatif. Dalam penelitian ini peneliti menggunakan teknik pengumpulan data berupa wawancara disertai literatur pendukung yang diperoleh dari beberapa sumber kepustakaan yang relevan dengan kajian ini. Hasil penelitian menunjukkan bahwa tingkat persentase yang melakukan pengajuan dispensasi nikah di Kecamatan Wara Timur hanya sekitar 20% yang sebagian besar alasannya dikarenakan hamil di luar nikah. Adapun implementasi dispensasi nikah di Kecamatan Wara Timur telah sesuai dengan aturan yang telah ditetapkan dalam UU No. 16 Tahun 2019. Dimana pengajuan dispensasi nikah disini diajukan oleh orang tua pihak pria dan/ atau orang tua pihak wanita yang dilakukan karena alasan sangat mendesak dan disertai bukti-bukti pendukung yang cukup. Faktor penghambat atau kendala dalam implementasi dispensasi nikah ini ialah terkait masalah waktu. Maksudnya, waktu penetapan pernikahan dimana jarak antara sidang di pengadilan dengan tanggal pernikahan sangat berdekatan yang mengakibatkan proses pengadilan belum selesai namun waktu pernikahan telah tiba sehingga saling berbenturan waktu.","PeriodicalId":268696,"journal":{"name":"AL HUKMU: Journal of Islamic Law and Economics","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132863555","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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