1,720,973 research outputs found
ASPEK HUKUM JAMINAN DALAM PERBANKAN SYARIAH LEGAL ASPECT OF WARRANTY IN SHARIA BANKING
Get PDFEkonomi Syariah merupakan ilmu yang mempelajari perilaku ekonomi manusia yang perilakunya diatur berdasarkan aturan agama Islam dan didasari dengan tauhid sebagaimana dirangkum dalam rukun iman dan rukun Islam. Sebagai lembaga intermediary keuangan, bank syari\u27ah memiliki kegiatan utama berupa penghimpunan dana dari masyarakat melalui simpanan dalam bentuk giro, tabungan, dan deposito yang menggunakan prinsip wadi\u27ah yand dlamanah (titipan), dan mudharabah (investasi bagi hasil). Kemudian menyalurkan kembali dana tersebut kepada masyarakat umum dalam berbagai bentuk skim , seperti skim jual beli/a/-ba (murabahah, salam, dan istishna), sewa (ijarah), dan bagi hasil (musyarakah dan mudharabah), serta produk pelengkap, yakni fee based service, seperti hiwalah (alih utang piutang), rahn (gadai), qard (utang piutang), wakalah (perwakilan, agency), kafalah (garansi bank). Dalam hal ini masyarakat menyerahkan dananya pada bank syari\u27ah pada dasarnya tanpa jaminan yang bersifat kebendaan dan semata-mata hanya dilandasai oleh kepercayaan bahwa pada waktunya dana tersebut akan kembali ditambah dengan sejumlah keuntungan (return). Oleh karena itu, untuk menjaga kepercayaan masyarakat tersebut, bank harus melaksanakan prinsip kehati-hatian (prudential principle). KataKunci: Jaminan Dalam Perbankan Syahriah
Aspek Hukum Jaminan dalam Perbankan Syariah
No full textAs a form of prudential behavior of banks in channeling of funds through
financing schemes through this sharing, before granting credit or financing, shariah
bank must conduct a thorough assessment of the character, ability, capital,
collateral, and business prospects of the Debtors. The five elements are often called
credit 5C (character, capital, capacity, collateral and condition of the economy). In
fact, the guarantee is to determine the level of security provided by bank financing. In
addition, the presence of collateral becomes very important, and this corresponds to
the basic philosophy of bank funds, as mentioned above, namely that the bank funds
are customer funds, public funds, which therefore must be protected and used very
carefully.
The method used in this research is normative. Normative research method
known as doctrinal studies (doctrinal research) is a study that analyzed the law both
written in the book (law as it is written in the book), or the law that was decided by
the judge through the court process (law it is decided by the judge through judicial
process). Normative legal research in this study based on secondary data and
emphasize steps speculative-theoretical and normative analysis-qualitative.
The concept of security in Islamic law (fiqh) is divided into two; guarantee
that a person (personal Guaranty) and collateral in the form of property. Assurance
that such people are often known by the term dlaman or kafalah, while the collateral
in the form of property known as the rahn. Kafalah interpreted or bear responsibility
for something, namely contract containing the agreement of a person where it is right
that must be met for others, and association with others, in terms of responsibility for
those rights in the face of collectors (debt), while ar- Rahn, ie save a good as
mortgage debt. Urgency warranties in Islamic financing products that guarantee is to
provide assurance that these funds can be returned, or at least the banks will not
experience losses that are too large, if for example it turns out only to execute
collateral or guarantees which have been given, because the recipients of financing
facilities to act arbitrarily or origin at random in running their business. Application
of absolute security in Islamic banking can not be avoided. Statement of context
mudarabah jurists who do not allow the existence of collateral does not seem to
respond by Islamic banks, because of their application for collateral by the banks on
financing facilities recipient is not merely intended to ensure the return of borrowed
capital, but to ensure that recipients of financing facilities is really implementing
everything that had been agreed in the contract. Thus, it is certainly not based on
what is known in Islamic law, but still the same as those stipulated in the Law of
Guarantee Mortgage, and Fiduciary.Sebagai wujud sikap kehati-hatian bank dalam melakukan penyaluran dananya
melalui skim pembiayaan melalui bagi hasil ini, sebelum memberikan kredit atau
pembiayaan, bank syari’ah harus melakukan penilaian yang seksama terhadap watak,
kemampuan, modal, agunan, dan prospek usaha dari Nasabah Debitur. Kelima unsur
tersebut yang sering disebut 5C perkreditan (character, capital, capacity, collateral dan
condition of economy). Pada kenyataannya, jaminan sangat menentukan tingkat keamanan
pembiayaan yang disalurkan oleh bank. Di samping itu, keberadaan agunan menjadi sangat
penting, dan hal ini berhubungan dengan filosofi dasar dari dana bank sebagaimana
disinggung di atas, yaitu bahwa dana bank adalah dana nasabah, dana masyarakat, yang oleh
karenanya harus dilindungi dan digunakan secara sangat hati-hati.
Metode yang digunakan dalam penelitian ini adalah yuridis normatif. Metode
penelitian normatif disebut juga sebagai penelitian doktrinal (doctrinal research) yaitu suatu
penelitian yang menganalisis hukum baik yang tertulis didalam buku (law as it is written in
the book), maupun hukum yang diputuskan oleh hakim melalui proses pengadilan (law it is
decided by the judge through judicial process). Penelitian hukum normatif dalam penelitian
ini didasarkan data sekunder dan menekankan pada langkah-langkah spekulatif-teoritis dan
analisis normatif-kualitatif.
Konsep jaminan dalam hukum Islam (fiqh) dibagi menjadi dua; jaminan yang berupa
orang (personal guaranty) dan jaminan yang berupa harta benda. Jaminan yang berupa orang
sering dikenal dengan istilah dlaman atau kafalah, sedangkan jaminan yang berupa harta
benda dikenal dengan istilah rahn. Kafalah diartikan menanggung atau penanggungan
terhadap sesuatu, yaitu akad yang mengandung perjanjian dari seseorang di mana padanya
ada hak yang wajib dipenuhi terhadap orang lain, dan berserikat bersama orang lain itu dalam
hal tanggung jawab terhadap hak tersebut dalam menghadapi penagih (utang), sedangkan ar Rahn, yaitu menyimpan suatu barang sebagai tanggungan hutang. Urgensi jaminan dalam
produk pembiayaan syariah yakni jaminan tersebut untuk memberikan kepastian bahwa dana
tersebut dapat dikembalikan, atau setidaknya bank tidak akan mengalami kerugian yang
terlalu besar, jika misalnya ternyata hanya dapat mengeksekusi agunan atau jaminan yang
telah diberikan, karena penerima fasilitas pembiayaan bertindak semaunya atau asal-asalan
dalam menjalankan usaha bisnisnya. Penerapan jaminan pada perbankan syariah mutlak tidak
dapat dihindari. Pernyataan fuqaha terhadap konteks mudarabah yang tidak membolehkan
adanya jaminan nampaknya tidak direspon oleh perbankan Islam, karena bagi mereka
permohonan jaminan oleh pihak perbankan pada penerima fasilitas pembiayaan adalah tidak
sekedar dimaksudkan untuk memastikan kembalinya modal yang dipinjam, namun untuk
meyakinkan bahwa penerima fasilitas pembiayaan benar-benar melaksanakan segala sesuatu
yang telah disepakati dalam kontrak. Dengan demikian, hal ini tentunya belum berdasarkan
apa yang dikenal dalam Hukum Islam, melainkan masih sama dengan yang diatur dalam
Hukum Jaminan Hak Tanggungan dan Fidusia.142 HalamanTesis Magiste
Going Beyond Counting First Authors in Author Co-citation Analysis
Get PDFThe present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Variations on the Author
Get PDF“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
Get PDFWe provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
AKIBAT HUKUM DARI PROSES PELAKSANAAN PEMBUATAN WASIAT DALAM BENTUK WASIAT HIBAH
No full textABSTRACTThe grant is a form of help within the framework of virtue among circleshuman and positive values. Giving is a form of transferring one\u27s rights to another person or family without the responsibility of the recipient to return the property. A person who has the freedom to present gifts to anyone he wishes in any amount. However, if it is related to the interests of their family and their inheritance in Islamic law, it is ordered that each individual protect himself and his family from the torments of hellfire, automatically there is an obligation. for family welfare. If you give up all the assets that leave your brothers without property (poor), this is the same way that your siblings will fall into the door of kufr, because being poor is one of the triggers of kufr. Then the act is considered null and void because it does not fulfill the requirements to carry out the gift. Keywords: Process, Implementation, Making, Will, Grant
TANGGUNG JAWAB DEWAN PERWAKILAN DAERAH KABUPATEN/KOTA DALAM MENJALANKAN AMANAH KONSTITUSI SEBAGAI LEMBAGA LEGISLATOR
No full textABSTRACT DPRD (Regional, Regency or City People\u27s Representative Council) has several uses and one of them is for legislation as the main vehicle to reflect the aspirations and interests of the people (community) in the formulation of regional regulations. One of the recommendations in the context of implementing regional autonomy and assistance tasks is the formation of Regional Regulations. In other words, local regulations are juridical facilities for implementing regional autonomy policies and assistance tasks. In the universal statement of Law no. 23/2014 concerning Regional Government number 7, among other things states "The implementation of regional governments in carrying out their duties, powers, obligations and responsibilities and with greater powers of laws and regulations can determine regional policies that are formulated, among others. In regional regulations. . Keywords : Responsibility, Responsibility, DPRD, Institution, Legislators
Dispelling the Myths Behind First-author Citation Counts
Get PDFWe conducted a full-scale evaluative citation analysis study of scholars in the XML research field to explore just how different from each other author rankings resulting from different citation counting methods actually are, and to demonstrate the capability of emerging data and tools on the Web in supporting more realistic citation counting methods. Our results contest some common arguments for the continued
use of first-author citation counts in the evaluation of scholars, such as high correlations between author rankings by first-author citation counts and other citation
counting methods, and high costs of using more realistic citation counting methods that are not well-supported by the ISI databases. It is argued that increasingly available digital full text research papers make it possible for citation analysis studies to go beyond what the ISI databases have directly supported and to employ more
sophisticated methods
- …
