Rumah Jurnal Institut Agama Islam Negeri (IAIN) Bone
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ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM MENYALURKAN PEMBIAYAAN AKAD MUSYARAKAH (Studi Kasus BSI KCP Cirebon Sisingamangaraja)
Get PDFPenelitian ini bertujuan untuk memahami penerapan kontrak pembiayaan musyarakah, penggunaan prinsip 5C dalam penyaluran pembiayaan dengan kontrak musyarakah, serta dampak prinsip 5C terhadap manajemen risiko di BSI KCP Sisingamangaraja Cirebon. Penelitian ini bersifat kualitatif, dengan data yang dikumpulkan melalui observasi, wawancara, dan dokumentasi, kemudian dianalisis menggunakan metode deskriptif.Hasil penelitian ini meliputi: Pertama, mekanisme pembiayaan modal kerja dengan akad musyarakah dimulai dari pengajuan pembiayaan oleh calon nasabah, diikuti oleh analisis dan penilaian agunan oleh bank untuk memastikan keaslian dokumen yang diberikan. Setelah melalui beberapa tahap analisis dan pertimbangan berbagai aspek, bank memutuskan apakah permohonan pembiayaan disetujui atau ditolak. Kedua, manajemen risiko diterapkan menggunakan prinsip 5C oleh BSI KCP Sisingamangaraja Cirebon sebelum memberikan pembiayaan. Karakter nasabah dinilai dari kedisiplinannya, kepribadian yang diketahui dari orang-orang terdekatnya, dan data pinjaman dari BI Checking. Kapasitas dinilai dari keuntungan usaha dan laporan keuangan nasabah, seperti pemasukan dan pengeluaran. Modal nasabah dipertimbangkan cukup kuat jika jumlah modal yang dimiliki besar. Ketiga, persentase pembiayaan bermasalah (Non-Performing Financing/NPF) di BSI KCP Sisingamangaraja Cirebon di bawah 0,5%, menunjukkan efektivitas penyaluran pembiayaan. This study aims to understand the application of musharakah financing contracts, the use of 5C principles in the distribution of financing with musharakah contracts, and the impact of 5C principles on risk management at BSI KCP Sisingamangaraja Cirebon. This research is qualitative, with data collected through observation, interviews, and documentation, then analyzed using descriptive methods.The results of this study include: First, the mechanism of working capital financing with a musharakah contract starts from the application for financing by prospective customers, followed by analysis and collateral assessment by the bank to ensure the authenticity of the documents provided. After going through several stages of analysis and consideration of various aspects, the bank decides whether the financing application is approved or rejected. Second, risk management is implemented using the 5C principle by BSI KCP Sisingamangaraja Cirebon before providing financing. The customer's character is judged by his discipline, known personality from the people closest to him, and loan data from BI Checking. Capacity is assessed from business profits and customer financial statements, such as income and expenses. Customer capital is considered strong enough if the amount of capital owned is large. Third, the percentage of non-performing financing (NPF) at BSI KCP Sisingamangaraja Cirebon is below 0.5%, indicating the effectiveness of financing distribution
Law Enforcement of Law Number 8 of 2010 Against Perpetrators of Money Laundering Crimes
Get PDFIn essence, money laundering is disguising a wealth's origin so that its use can occur without knowing its halal or haram source. This study aims to find out law enforcement and judges' considerations in imposing penalties and fines on the perpetrators of money laundering crimes as stipulated in Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering Crimes (TPPU). This research uses normative legal research techniques, so the data obtained is sourced from literature materials. The results of the study show that Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering Crime provides a legal basis for the crime of Money Laundering. Law enforcement against perpetrators of fraud and money laundering has been realized in accordance with applicable regulations. One of the cases experienced by Indra Kenz who was sentenced to ten years in prison and a fine of five billion rupiah for having committed fraud and online gambling crimes involving the Binomo trading application. The verdict is not in accordance with the demands of the South Tangerang Public Prosecutor who demanded a prison sentence of twenty years and a fine of ten billion rupiah. However, the panel of judges considered various factors before deciding not to comply with the prosecutor's request and reduce Indra Kenz's sentence. It is recommended that to avoid scams, the public is urged to educate themselves more about the correct investment techniques before engaging in any financial activities.Â
TELAAH KRITIS COMMODITY MURABAHAH PRODUCT SEBAGAI INSTRUMEN MANAJEMEN LIKUIDITAS LEMBAGA KEUANGAN SYARIAH
Get PDFPenelitian ini bertujuan menganalisis mekanisme transaksi commodity murabahah dalam hal kesesuaiannya dengan prinsip syari’ah dan praktiknya untuk memenuhi kebutuhan likuiditas lembaga keuangan syariah. Untuk itu digunakan fatwa DSN mengenai murabahah, fatwa DSN mengenai perdagangan komoditas, fatwa SAC Malaysia dan hasil keputusan Islamic Fiqh Academy 2009 sebagai alat analisis. Metodologi penelitian deskriptif verifikatif digunakan untuk memberikan gambaran secara umum tentang Commodity Murabahah Product kemudian memberikan penilaian dengan argumen-argumen untuk menyimpulkan status hukumnya menurut prinsip-prinsip syariah. Dengan demikian diharapkan penelitian ini dapat mengevaluasi syari’ah compliant transaksi Commodity Murabahah Product sebagai instrumen manajemen likuiditas. Transaksi tawarruq yang banyak diaplikasikan lembaga keuangan islam saat ini termasuk dalam jenis tawarruq munazzam dan tawarruq ‘aksi yang haram menurut OIC Fiqh Academy. Teknik deskriptif verifikatif yang digunakan dalam penelitian ini diharapkan mampu mengurai secara lebih detail mengenai transaksi commodity murabahah dan berbagai hal terkai
Effectiveness of Law Enforcement on Narcotics Crimes through Synchronization of Authority Between the National Narcotics Agency (BNN) and the Indonesian National Police
Get PDFDrug trafficking in Indonesia is a serious issue that requires special attention from the government and law enforcement officials. Efforts to eradicate drugs are carried out by the National Police of the Republic of Indonesia and the National Narcotics Agency, which collaborates with relevant agencies within the country and with international institutions. This article discusses the synchronization of authority between  National Narcotics Agency and Indonesian National Police in investigating narcotics crimes. This research uses normative legal methods with a conceptual and statutory approach. Synchronizing the investigation of narcotics crimes between the BNN and the National Police from the perspective of legal certainty in Indonesia is a strategy that aims to increase the effectiveness of law enforcement for narcotics crimes, while reducing the potential for conflict between the National Police and the BN
Analisis Kedudukan Presiden Terkait Hak Berkampanye Dalam Pemilu Perspektif HTN dan HAN
Get PDFThe President's position regarding the right to campaign in Indonesia's General Election (Pemilu) involves key issues under Constitutional Law (Hukum Tata Negara) and Administrative Law (Hukum Administrasi Negara). The right to vote and be elected is fundamental but can be limited by legal regulations, particularly in campaign participation. From the perspective of Constitutional Law, the role of state organs, including the President, is to ensure a fair and transparent election while maintaining neutrality and preventing the misuse of state resources for political gain. Administrative Law ensures that the President adheres to legal limits, preventing the abuse of power for personal or political purposes. Violating these restrictions can lead to legal consequences. Strict adherence to legal rules, ethical standards, and oversight by bodies like KPU, Bawaslu, and DKPP is essential to safeguard a fair electoral process. Kedudukan Presiden terkait hak berkampanye dalam Pemilu di Indonesia melibatkan isu-isu penting dalam Hukum Tata Negara (HTN) dan Hukum Administrasi Negara (HAN). Hak untuk memilih dan dipilih adalah hak fundamental yang dapat dibatasi oleh peraturan, terutama terkait kampanye. Dalam perspektif HTN, Presiden harus memastikan Pemilu berjalan adil dan transparan, serta menjaga netralitas dan mencegah penyalahgunaan sumber daya negara untuk kepentingan politik. Dalam HAN, Presiden harus mematuhi pembatasan hukum untuk mencegah penyalahgunaan kekuasaan. Pelanggaran terhadap ketentuan ini dapat dikenakan sanksi hukum. Kepatuhan terhadap peraturan dan pengawasan oleh lembaga seperti KPU, Bawaslu, dan DKPP sangat penting untuk menjaga integritas Pemilu.  Â
Tracing Themes of the Prophet’s Preaching in the Qur’an Tartibun Nuzul Perspective
Get PDFThe aim of this research was to trace and analyze the themes of the Prophet Muhammad's preaching based on the order of revelation. This study explored the thematic evolution of the Prophet's messages during the Mecca and Medina periods and assessed their relevance to the da'wah context of the time. Using a qualitative, literature-based method with a Tartibun Nuzul approach, the findings revealed that the early da'wah focused on aqidah and monotheism, gradually expanding to include social, ethical, and sharia law issues in response to the evolving dynamics of Arab society. This research provided a new perspective on the Prophet's da'wah strategy and its implications in a modern context
Peran Zakat Produktif Dalam Mendukung Perkembangan Industri Halal: Kajian Filantropi Islam Lazis Unisia Yogyakarta
Get PDFSebagai negara dengan umat Islam terbesar di dunia, Indonesia memiliki potensi dalam mengembangkan industri halal. Akan tetapi terbatasnya sektor modal menjadi penghambat dalam mengembangkan industri tersebut. Meski pun le mbaga ikut keuangan syariah andil dalam mendukung industri halal. Maka diperlukan lembaga lain untuk membantu dalam hal mengembangkannya , misalnya lembaga zakat. Tujuan dari penelitian ini yaitu peran mengetahui zakat produktif dalam mendukung perkembangan industri halal. Selain itu untuk mengetahui apa saja faktor yang mendukung dan menghambat dalam mengembangkan industri halal. Metode penelitian yang digunakan dalam penelitian ini adalah deskriptif kualitatif. Objek penelitian ini adalah LAZIS UNISIA Yogyakarta. Hasil penelitian menunjukkan bahwa adanya pendistribusian zakat produktif dapat meningkatkan perekonomian masyarakat , sehingga mengubah nasib seorang mustahik menjadi muzaki . Adapun faktor pendukung dalam mengembangkan industri halal, yaitu hadirnya duku ngan dari berbagai pihak hingga lembaga zakat , dan melimpahnya modal yang dimiliki lembaga tersebut. Sedangkan faktor penghambatnya, yaitu terbatasnya SDM lembaga zakat, kemudian mustahik kurang konsisten dalam menjalankan program industri halal. Â
Pengaruh Tingkat Profitabilitas Dan Solvabilitas Terhadap Audit Delay Pada Perusahaan Property Dan Real Estate Yang Terdaftar Di Index Saham Syariah Indonesia
Get PDFThis study aims to identify and analyze: (1) the effect of profitability on audit delay in property and real estate companies listed on ISSI from 2018 to 2022, (2) the effect of solvency on audit delay in property and real estate companies listed on ISSI from 2018 to 2022, and (3) the effect of profitability and solvency on audit delay in property and real estate companies listed on ISSI from 2018 to 2022. The population of this study comprises all property and real estate companies listed on the Indonesian Sharia Stock Index (ISSI) from 2018 to 2022. The sampling method used is purposive sampling, with a sample of 17 companies from 2018 to 2022. The type of research data is quantitative, and the data source is secondary. The data analysis techniques used include descriptive statistics, classical assumption tests, multiple linear regression analysis, the R² determination coefficient, and t-tests using SPSS 23.The results of this study show that: (1) the profitability variable has a negative effect on audit delay with a significant value of 0.000, (2) the solvency variable has a positive effect on audit delay with a significant value of 0.000, and (3) the F-test results indicate that profitability and solvency simultaneously affect audit delay
THE ISLAMIZATION OF THE MALAY SULTANATE: TRACING THE HISTORICAL ROOTS OF ISLAMIC INFLUENCE IN MALAYSIA
Get PDFThe development of Islam in Malaysia is an interesting phenomenon to study. As a country with a majority Muslim population, Malaysia has its own dynamics in the process of Islamization and the evolution of Islamic thought in this region. The process of Islamization in Malaysia cannot be separated from the central role of the Malay sultanates, which helped spread and develop the teachings of Islam since the 13th century. Through political power and trade relations, Islam was deeply rooted in the culture and identity of the Malay people. In its development, Islam in Malaysia underwent various transformations. From traditionalism to modern revivalism, Islamic thought and movements in the country continue to evolve in line with political, social and cultural dynamics. The Islamic revival that occurred since the 1970s also colored the religious landscape in Malaysia. The issue of the relationship between Islam and politics has also become one of the main focuses in the development of Islam in Malaysia. The interaction between religion and the state, as well as its implications for people's religious life, is a hot topic that continues to be debated. In addition, Malaysia is also known as a country with religious and cultural diversity. In this context, maintaining inter-religious harmony is a challenge for the Muslim community in Malaysia. The development of Islam in Malaysia also includes the aspect of education, where traditional Islamic education systems such as Islamic boarding schools are developing parallel to the establishment of leading Islamic universities. This dynamic has helped shape the character of Islamic thought and spirituality in Malaysian society
Analisis Pelaksanaan Sistem Bagi Hasil Pada Usaha “Mappatungka Sapi†Ditinjau Dalam Aspek Keadilan Pada Akad Mudharabah (Sudi Pada Desa Karella Kecamatan Mare Kabupaten Bone)
Get PDFPenelitian ini bertujuan untuk mengetahui pelaksanaan sistem bagi hasil pada usaha “Mappatungka Sapi†dan aspek keadilan dalam usaha kerja sama pada akad mudharabah. Metode penelitian yang digunakan yaitu penelitian kualitatif dengan pendekatan kualitatif deskriptif. Teknik pengumpulan data seperti observasi, wawancara, dan studi dokumentasi. Dalam menganalisis data, penulis menggunakan teknik analisis deskriptif yaitu dengan mengumpulkan, mengolah, dan menginterpresentasikan data yang diperoleh sehingga memberi keterangan yang benar dan lengkap untuk pemecahan masalah yang dihadapi. Hasil penelitian bahwa perjanjian hanya sekedar perkataan antara kedua belah pihak tanpa adanya perjanjian secara tertulis. Dalam sistem bagi hasil pada usaha Mappatungka Sapi menggunakan sistem bagi dua. Terdapat dua cara pembagian hasil yaitu bagi hasil hewan ternak (anak) dan hasil penjualan (uang). Sistem kerja sama bagi hasil sudah dilakukan secara adil dan sesuai dengan nilai-nilai syariah. Kedua belah pihak tidak ada yang merasa dirugikan, bagi hasil yang mereka lakukan sesuai dengan apa yang mereka sepakati diawal akad atau perjanjian, sesuai dengan tradisi/ hukum adat