3 research outputs found
PROBLEMATIKA RISK AND RETURN DALAM PERBANKAN SYARIAH
No full textThe knowledge about risk in an investation is the important thing. Decisionof investaion for the investor is regarded the era that will come is unclear,it is contains a risk for inverstor. In order that in Islamic perspective, basicinvestation that needs to know in the institution of Islamic inance syariah such as bank that also place to invest fund. In the system of Islamic economy, ionvestation can decrease the poverty and increase the income with a way to bene it the wealth productively. The investation activity which agrees with Islamic syariah is the effort to produce the better life (falah), giving the bene its (maslahah) and keeping away the way of forbidden investation, that is riba, gharar, and maysir. But, productive investation can be implemented with the cooperation and proffessional in doing the main principle of syariat. The control of risk in banking industry is the main part for investor to invest. The management of this risk includes identi icating risk, measuring risk, managing risk, limiting risk, and observing risk. Through this approach the risk and the taking advantange can be measured. So the investor will get the chance return or value of sharing resulit optimally and also prospectively. The indeterminancy level of risk and return of result are the challenge its self to the syariah banking. The validity of law “hish risk brings about high return”forces syariah banking to apply the manage the risk that is more superior from conventional banking. So that the syariah banking must create a team that is able to manage and that is the include of the menegement of risk its self.The knowledge about risk in an investation is the important thing. Decisionof investaion for the investor is regarded the era that will come is unclear,it is contains a risk for inverstor. In order that in Islamic perspective, basicinvestation that needs to know in the institution of Islamic inance syariah such as bank that also place to invest fund. In the system of Islamic economy, ionvestation can decrease the poverty and increase the income with a way to bene it the wealth productively. The investation activity which agrees with Islamic syariah is the effort to produce the better life (falah), giving the bene its (maslahah) and keeping away the way of forbidden investation, that is riba, gharar, and maysir. But, productive investation can be implemented with the cooperation and proffessional in doing the main principle of syariat. The control of risk in banking industry is the main part for investor to invest. The management of this risk includes identi icating risk, measuring risk, managing risk, limiting risk, and observing risk. Through this approach the risk and the taking advantange can be measured. So the investor will get the chance return or value of sharing resulit optimally and also prospectively. The indeterminancy level of risk and return of result are the challenge its self to the syariah banking. The validity of law “hish risk brings about high return”forces syariah banking to apply the manage the risk that is more superior from conventional banking. So that the syariah banking must create a team that is able to manage and that is the include of the menegement of risk its self
DISKURSUS PAJAK DAN ZAKAT: KONTEKSTUALISASI DAN APLIKASI DI NEGARA MUSLIM
No full textThe problem of tax and tithe (zakat) often make a controvertion in Islamiccountries. This is because Islam in Rasulullah era never charged a tax to theMoslem, and only charge zakat. Beside the obligation of tax is charged tothe non-Moslem people that live in the Islamic era or Islamic authority. Thepractice of collecting tax (jizyah and kharaj) in Nabi SAW era was done bythe collector who had a dualism, that is as a zakat collector and also tax.This policy always continued to the next era. Then in era of Umar bin AbdulAziz made a new reformation and restructured the system of tax.Now, a longing with the development of era, the study of zakat and taxincluding the applicating not only in Islamic countries but also non Islamiccountries makes a controvertion. The thought that apperars is how thecountry must place zakat and tax in order to both have a connection.Indonesia, as a country with the great quantity of Islamic people in theworld has a facilitated the obligation of tax to the Islamic people, withhas releashed the regulation about zakat by the government. But inimplementing there are many obstacles.The truly, tax and zakat are two different terms from source side or basicof their collection, but it is as same as the characteristic as a effort to takeor pick up the wealth form society for social interest. Zakat for interest hasbeen regulated by religion or Allah SWT whereas tax is used to interest thathas regulated by country through valid democration process. The differenceof implementing both becomes problem when in particular side there is simmilarity, that is both has a same way obligatory to pay by society. Tax isforced by state’s law, but zakat is forced by God.So that in the system of islamic public finance, zakat and tax must be placedas a different acceptance in a principe, but has a same goal. If it is based onnash-nash, it can be concluded that that nash is valid there is two obligationsfor Islamic people (particularly Indonesian Moslem), that is obligation tofufill zakat and tax at once.The problem of tax and tithe (zakat) often make a controvertion in Islamiccountries. This is because Islam in Rasulullah era never charged a tax to theMoslem, and only charge zakat. Beside the obligation of tax is charged tothe non-Moslem people that live in the Islamic era or Islamic authority. Thepractice of collecting tax (jizyah and kharaj) in Nabi SAW era was done bythe collector who had a dualism, that is as a zakat collector and also tax.This policy always continued to the next era. Then in era of Umar bin AbdulAziz made a new reformation and restructured the system of tax.Now, a longing with the development of era, the study of zakat and taxincluding the applicating not only in Islamic countries but also non Islamiccountries makes a controvertion. The thought that apperars is how thecountry must place zakat and tax in order to both have a connection.Indonesia, as a country with the great quantity of Islamic people in theworld has a facilitated the obligation of tax to the Islamic people, withhas releashed the regulation about zakat by the government. But inimplementing there are many obstacles.The truly, tax and zakat are two different terms from source side or basicof their collection, but it is as same as the characteristic as a effort to takeor pick up the wealth form society for social interest. Zakat for interest hasbeen regulated by religion or Allah SWT whereas tax is used to interest thathas regulated by country through valid democration process. The differenceof implementing both becomes problem when in particular side there is simmilarity, that is both has a same way obligatory to pay by society. Tax isforced by state’s law, but zakat is forced by God.So that in the system of islamic public finance, zakat and tax must be placedas a different acceptance in a principe, but has a same goal. If it is based onnash-nash, it can be concluded that that nash is valid there is two obligationsfor Islamic people (particularly Indonesian Moslem), that is obligation tofufill zakat and tax at once
LEMBAGA KEUANGAN MIKRO BERBASIS KELOMPOK USAHA BERSAMA; SEBUAH STRATEGI PENGENTASAN KEMISKINAN STRUKTURAL
No full textArtikel ini bertujuan untuk menganalisis peran lembaga keuangan mikro berbasis kelompok usaha bersama sebagai strategi pengentasan kemiskinan struktural di Indonesia. Dalam rangka membantu percepatan pengentasan kemiskinan terutama kemiskinan struktural, pemerintah melalui Kementrian Sosial Republik Indonesia meluncurkan program pemberdayaan masyarakat melalui Kelompok Usaha Bersama (KUBE) yang kemudian membentuk Lembaga Keuangan Mikro (LKM). LKM-KUBE memiliki karakteristik khusus yang diharapkan mampu menjadi salah satu mekanisme pemberdayaan masyarakat dalam upaya pengentasan kemiskinan di Indonesia. Karakteristik tersebut adalah pertama; program LKM-KUBE mewajibkan angotanya untuk mengikuti Pelatihan Wajib Kelompok yang membekali anggotanya dalam aspek manajemen, dan pengelolaan keuangan usaha, serta sistem peran dan fungsi LKMKUBE. Kedua; mekanisme tanggung renteng dalam aplikasi pemberian pembiayaan kepada anggota dapat meminimalisir risiko pembiayaan bermasalah. Dan ketiga adalah pembinaan (rumpun) yang dilakukan oleh LKM-KUBE sebagai bentuk edukasi dan pemberian motivasi kepada anggota untuk menjalankan usaha dengan baik dan menjadi anggota LKM-KUBE yang aktif. Peran penting Lembaga Keuangan Mikro Kelompok Usaha Bersama dalam pengentasan kemiskinan struktural sangat efektif dan merupakan program yang dipandang tepat. Manfaat dari keberadaan LKM-KUBE dapat diterima langsung oleh masyarakat kelompok usaha skala mikro, tidak hanya dari aspek permodalan usaha, akan tetapi juga melalui program pendampingan
