scholarly journals FENOMENA KARTU KREDIT DALAM TINJAUAN HADIS

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Muhammad Nurzakka
Keyword(s):  
Credit Card ◽  
Basic Problem ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Analysis Method ◽  
The Past

AbstrakAdanya globalisasi dan modernisasi memicu perubahan besar dalam aspek masyarakat, salah satunya fenomena kartu kredit sebagai alat untuk bertransaksi. Jika dahulu uang fisik adalah instrumen penting dalam suatu transaksi, maka pada era sekarang menjadi lebih praktis dengan uang non fisik. Problem mendasar dari kartu kredit konvensional adalah adanya tambahan bunga yang harus dibayarkan yang dianggap sebagai praktik riba. Tulisan ini membahas bagaimana tinjauan hadis dalam menanggapi fenomena kartu kredit (konvensional) beserta solusinya dengan menggunakan metode deskriptif-analisis. Penelitian ini menyimpulkan bahwa prinsip kartu kredit yang berlandaskan utang-piutang termasuk amalan yang terpuji. Tinjauan hadis memperbolehkan praktik hutang jika memang yakin mampu untuk melunasi serta melarang berhutang untuk maksiat. Jangan sampai dengan kemudahan yang ditawarkan malah membuat seseorang terjebak dalam pola hidup konsumtif dan berlebihan yang dilarang oleh syariat dan hendaknya kartu kredit digunakan untuk hal yang produktif.. Bagi mereka yang sangat membutuhkan penggunaan kartu kredit, hendaknya mengikuti pendapat yang memperbolehkan. Sedangkan bagi mereka yang tidak dalam kondisi darurat, maka sebaiknya menghindari penggunaan kartu kredit mengingat ada indikasi riba di dalamnya (sesuai dengan kaedah al-khuruj min al-ikhtilaf mustahab). AbstractThe existence of globalization and modernization has triggered major changes in aspects of society, one of which is the phenomenon of credit cards as a means of transaction. If in the past physical money was an important instrument in a transaction, in the present era it has become more practical with non-physical money. The basic problem with conventional credit cards is that there is an additional interest that must be paid which is considered a practice of usury. This paper discusses how the hadith responds to the phenomenon credit card (conventional) and its solutions using the descriptive-analysis method. This study concludes that the principle of credit cards based on debts is a commendable practice. The hadith allows the practice of debt if you are sure you are able to pay off and prohibit debt for immorality. Do not let the facilities offered actually make someone trapped in a consumptive and excessive lifestyle that is prohibited by the Shari'a and credit cards should be used for productive things. For those who really need to use credit cards, they should follow permissible opinions. Whereas for those who are not in an emergency, it is better to avoid using credit cards considering that there are indications of usury in them (according to the rules of al-khuruj min al-ikhtilaf mustahab).

scholarly journals PERTANGGUNG JAWABAN PIDANA CARDING TERHADAP PENGGUNA KARTU KREDIT

2021 ◽  
Vol 14 (2) ◽  
pp. 206-217
Author(s):  
Nur Muchammad Ivan Firmansyah ◽  
Luki Nurfanto
Keyword(s):  
Credit Card ◽  
Criminal Responsibility ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Customer Data ◽  
Card Number ◽  
Independent Variable ◽  
Authentication System ◽  
Online Stores ◽  
Definition Of

AbstractThe purpose of the study was to determine the form of criminal responsibility and the prevention of carding crimes in Indonesia. The research method used in this study was descriptive analysis. Descriptive because it describes the conditions that become the independent variable and the dependent variable which is the basis of the problems discussed. The definition of carding itself is a form of crime that uses other people's credit cards to spend without the knowledge of the owner. Carding is a form of crime using someone else's credit card number to spend without the knowledge of the rightful owner. Transactions are usually carried out electronically. Carding itself is a criminal act that is illegal interception or physically tapping customer data or credit card owners, meaning to shop at online stores. This mode can occur due to the weakness of the authentication system used to ensure the identity of ordering goods at online stores.Keywords: carding; credit card; criminal liabilityAbstrakTujuan penelitian untuk mengetahui bentuk pertanggungjawaban pidana dan penanggulangan tindak pidana carding di Indonesia Metode penelitian yang digunakan dalam penelitian ini adalah deskriptif analistis. Deskriptif karena menggambarkan kondisi-kondisi yang menjadi variabel independen dan variabel dependen yang merupakan dasar dari permasalahan yang dibahas. Pengertian dari carding itu sendiri adalah suatu bentuk kejahatan yang menggunakan kartu kredit orang lain untuk dibelanjakan tanpa sepengetahuan pemiliknya. Carding adalah bentuk kejahatan menggunakan nomor kartu kredit orang lain untuk dibelanjakan tanpa sepengetahuan pemiliknya yang sah. Transaksi lazimnya dilakukan secara elektronik. Carding sendiri merupakan tindak pidana yang bersifat illegal interception atau menyadap data nasabah atau pemilik kartu kredit secara fisik artunya untuk belanja di toko online. Modus ini dapat terjadi akibat lemahnya sistem otentikasi yang digunakan dalam memastikan identitas pemesanan barang di toko online.

Credit cards preferences of Islamic and conventional credit card

2015 ◽  
Vol 6 (1) ◽  
pp. 72-94 ◽  
Author(s):  
Nuradli Ridzwan Shah Mohd Dali ◽  
Shumaila Yousafzai ◽  
Hanifah Abdul Hamid
Keyword(s):  
Credit Card ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
The Body ◽  
Exploratory Research ◽  
Economic Activities ◽  
Content Type ◽  
Conventional Banks ◽  
Selection Factors ◽  
Selection Of

Purpose – The main aim of this paper is to identify whether certain consumers behave irrationally when it comes to select banking products. This paper builds on one of the most significant banking products that is the credit card. Design/methodology/approach – This is an exploratory research paper. Therefore, only descriptive analysis on the differences between three credit card user groups such as the Islamic credit card users, conventional card users and users who decide to use both credit cards, conventional and Islamic, were presented. Findings – The demographic and psychographic factors for the three different groups differ. In addition, there are four factors that influence the credit card selection. The factors are insurance/takaful provided by the credit issuers, cost associated with the credit card, the reward points programme offered and the convenience factors. Furthermore, the study found that three of the factors except insurance/takaful are significantly different between three credit card groups. Research limitations/implications – This paper is limited to the context of Malaysia and the respondents are mostly from the same ethnic. Therefore, it could not be generalised in the context of other countries and further studies comparing different culture or ethnic could benefit and enrich the topic of study. Practical implications – The Islamic and conventional banks could focus on several factors influencing customers’ selection and could focus to improve certain lacking areas as perceived by the consumers. The ability to increase the perceptions of the consumers regarding their credit cards will enable their products to be chosen in the market. Originality/value – There was a significant amount of literature discussed in the Islamic banking selection factors. However, little attention being paid to the selection of a specific bank’s product. This study offers a study that looks into the selection of the credit card offered by the banks in respect to the irrational behaviours of the religious consumers in economic activities as compared to the conventional economists. This paper will contribute to the body of existing literature of banking selection.

scholarly journals Pengaruh Penggunaan Paylater Terhadap Perilaku Impulse Buying Pengguna E-Commerce di Indonesia

2021 ◽  
Vol 7 (1) ◽  
pp. 44-57
Author(s):  
Rahmatika Sari
Keyword(s):  
Credit Card ◽  
Descriptive Analysis ◽  
Ease Of Use ◽  
Impulse Buying ◽  
Analysis Method ◽  
Payment Systems ◽  
Buying Behavior ◽  
Quantitative Descriptive Analysis ◽  
Impulsive Buying ◽  
Quantitative Descriptive

The development of e-commerce has had an impact on payment methods which were originally only known as cash payments,  paper-based, card based, are now being introduced with new electronic-based payment systems such as m-banking, virtual accounts, payment applications. Paylater is a type of online credit payment. Paylater allows its users to have a credit card without a card and without a complicated manufacturing process. This study uses a quantitative descriptive analysis method so that the data used is the result of distributing questionnaires to 404 samples who meet the criteria. The results of this study indicate that the ease of use oftechnology paylaterhas an effect of 6.4% on the impulsive buying behavior ofusers e-commerce in Indonesia. From the results of data processing, it can be concluded that the ease of use oftechnology paylater byusers e-commerce in Indonesia is very good andusers paylater tend to make impulse buying when shopping

scholarly journals Customer satisfaction level towards credit card

2020 ◽  
Vol 5 (2) ◽  
Author(s):  
Vuong Duc Hoang Quan
Keyword(s):  
Customer Satisfaction ◽  
Correlation Analysis ◽  
Small Proportion ◽  
Credit Card ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Satisfaction Level ◽  
Large Space ◽  
Independent Variable ◽  
The Relationship

The use of credit card plays a very important role in online purchasing and contributes significantly to the economy of one nation. Due to the under-developed infrastructure and purchasing habit, credit card transaction still takes a very small proportion and promises a very large space to develop. The purpose of this research is to measure customer satisfaction towards the credit cards they are using. Applying the Five Broad Dimensions theory, the research forms a survey that fits into the Five Broad Dimensions. There are two main analyses completed in the research including descriptive and correlation. The descriptive analysis is conducted to point out some specific areas in which banks or card providers need to pay more attention. The correlation analysis is to find out how strong the relationship between each independent variable and the dependent variable. Finally, the conclusion and recommendation will summarize the key findings of the research and give suggestions to the card issuers.

PERTANGGUNGJAWABAN PIDANA ANAK DI BAWAH UMUR YANG TERLIBAT TINDAK PIDANA TERORISME

Veritas ◽  
2020 ◽  
Vol 6 (2) ◽  
pp. 203-217
Author(s):  
Denni Lilik Juniawan
Keyword(s):  
Theoretical Foundation ◽  
Descriptive Analysis ◽  
Age Factors ◽  
State Responsibility ◽  
Sex Factors ◽  
Analysis Method ◽  
The Past ◽  
Library Research ◽  
Causative Factors ◽  
The Family

Abstrak - Kasus Terorisme sejak beberapa tahun kebelakang banyak dijumpai bermacam jenis kejahatan terorisme baik berupa aksi teror dengan menggunakan bom maupun dengan kejahatan. Tidak sedikit tindak pidana terorisme yang dilakukan oleh anak dibawah umur. Tujuan penelitian ini untuk mengetahui pengaturana anak yang terlibat Tindak Pidana Terorisme, mengetahui faktor penyebab anak terlibat Tindak Pidana Terorisme, dan untuk mengetahui bagaimana pertanggungjawaban jika anak terlibat Tindak Pidana Terorisme. Penelitian ini menggunakan library research atau metode penelitian kepustakaan. Adapun sumber data yang digunakan adalah bahan hukum primer, sekunder dan tersier.data akan dianalisa dengan menggunakan metode deskriptif-analisis. Landasan terori yang digunakan adalah teori tangung jawab negara. Berdasarkan analisa data yang dilakukan, diperoleh kesimpulan bahwa pengaturan Tindak Pidana Terorisme berdasarkan Undang-Undang Nomor 5 tahun 2018 tentang Perubahan Atas Undang-Undang Nomor 1 Tahun 2002 tentang Pemberantasan Tindak Pidana Terorisme berdasarkan pasal 19 dan 24 dalam penjatuhan hukuman minimum tidak berlaku bagi anak dibawah 18 (delapan belas) tahun, faktor penyebab anakt terlibat yaitu berdasarkan terori motivasi, faktor usia, faktor kelamin, faktor kedudukan anak dalam keluarga, serta faktor dorongan dari keluarga itu sendiri, dan pertanggungjawaban anak dibawah umur yaitu dilakukan pemidaan tetapi tidak boleh melebihi ½ dari hukuman orang dewasa. Kata Kunci : Tindak Pidana Terorsme dilakukan oleh Anak dibawah Umur.   Abstract - Terrorism Cases since the past few years many types of terrorism crimes have been found, both in the form of acts of terror using bombs and with crimes. Not a few criminal acts of terrorism committed by minors. The purpose of this study was to determine the organization of children involved in criminal acts of terrorism, determine the factors causing children to be involved in criminal acts of terrorism, and to find out how responsibility if children are involved in criminal acts of terrorism. This research uses library research or library research methods. The data sources used are primary, secondary and tertiary legal materials. The data will be analyzed using descriptive-analysis method. The theoretical foundation used is the theory of state responsibility. Based on the analysis of the data conducted, it was concluded that the regulation of Terrorism Crimes based on Law Number 5 of 2018 concerning Amendment to Law Number 1 of 2002 concerning Eradication of Terrorism Crimes under articles 19 and 24 in the imposition of minimum sentences does not apply to children under 18 (eighteen) years, the causative factors involved are based on motivational theory, age factors, sex factors, the position of the child in the family, as well as the encouragement factors of the family itself, and the responsibility of minors, namely carried out convictions but may not exceed ½ of adult punishment. Keywords : Crime of Terrorism is carried out by Minors.

scholarly journals Penerapan Model Almuqassah Sebagai Model Alternatif Kartu Kredit Syariah Di Indonesia

2020 ◽  
Vol 2 (3) ◽  
pp. 153-168
Author(s):  
M Irsyad
Keyword(s):  
Qualitative Research ◽  
Research Methods ◽  
Credit Card ◽  
Alternative Model ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Qualitative Research Methods ◽  
Purposive Sampling ◽  
Quality Of Products

This study aims to find out whether the Islamic credit cards is shariah compliant, and to find out what  if al-muqassah is applied in Indonesia as an alternative model of Islamic credit cards. This study uses qualitative research methods with descriptive analysis. The object of research in this study is the Islamic credit cards model that already exists in Indonesia and the  al-muqassah model. The sample in this study uses purposive sampling, namely officials from the Islamic credit card division at BNI Syariah Jakarta and DSN MUI Officials. Data Obtained from this study through interviews with relevant institutions and documentation. The results obtained from the study indicate that based on that the current Islamic Credit cards products are shariah compliant. Where the benefits provided by Islamic credit cards are in line with shariah objectives, namely maqasid dharuriyyah and maqasid hajjiyyah. However, based on the issue of shariah in the application of existing Islamic credit cards, development is still needed to improve the quality of products, especially from shariah aspects. As for the application of the al–muqassah model in Indonesia, it is very possible as long as it is supported by all parties. 

scholarly journals KEBERADAAN TALEMPONG KAYU DI KENAGARIAN TALANG MAUR, KECAMATAN MUNGKA, KABUPATEN LIMA PULUH KOTA

2020 ◽  
Vol 9 (4) ◽  
pp. 55
Author(s):  
Monna Dini Angraini ◽  
Wimbrayardi Wimbrayardi
Keyword(s):  
Descriptive Analysis ◽  
Musical Instrument ◽  
Analysis Method ◽  
Literature Study ◽  
The Past ◽  
Aesthetic Pleasure ◽  
The Government ◽  
The Times ◽  
Main Instrument ◽  
Traditional Arts

This study aims to describe the existence of Talempong Kayu in Talang Maur Village, Mungka District, Lima Puluh Kota Regency. This is a qualitative research using a descriptive analysis method. The main instrument in this study was the researcher itself and was assisted by supporting instruments such as writing instruments and cameras. The data were collected through literature study, observation, interview, and documentation. The steps of analyzing data are collecting data, describing the data, and making conclusions. The results of this study indicate that Talempong Kayu musical instrument is one of the traditional arts in Talang Village, Mungka District, Lima Puluh Kota Regency. It is played by being hit (idiophone). Talempong Kayu is only used as entertainment for the players, and serves as an emotional expression, aesthetic pleasure, and entertainment. The form of its presentation does not require other people or audiences. In the past, people in TalangMaur village had good enthusiasts and appreciation on Talempong Kayu. However, due to the development of the times, the enthusiasts have decreased considerably. This is due to the fact that today generation replaces their games byandroid phones that can access many games. Furthermore, there has been no government attention in developing Talempong Kayu Art. Talempong Kayu is only played by local people and is not really considered by the government. This is due to the fact that the wood Talempong Art only serves as a substitute musical instrument for training before the metal one, so this is not considered too important for deeper development.Keywords: The Existence, Talempong Kayu, in Talang Maur Village

KAJIAN ANTROPOLOGI SASTRA: CERITA RAKYAT LAKIPADADA DAN PENGARUHNYA DALAM KEHIDUPAN MASYARAKAT [AN ANTROPOLOGY STUDY ON LITERATURE: THE FOLKLORE OF LAKIPADADA AND ITS INFLUENCE IN SOCIAL LIFE]

TOTOBUANG ◽  
2020 ◽  
Vol 8 (1) ◽  
pp. 61-74
Author(s):  
Mustafa Mustafa
Keyword(s):  
Social Life ◽  
Basic Problem ◽  
Descriptive Analysis ◽  
Social Conditions ◽  
Common Belief ◽  
Analysis Method ◽  
Literary Works ◽  
Common Assumption ◽  
The Right

Lakipadada is one of the    Toraja Literary which is filled with the values and concepts of life. it has delivered orally from generation to generation. This paper describes one type of local literary works that felt under legend category. The story told about a noble young man who has death paranoid, therefore he tried to find ‘tang mate’ ‘ternal’ so not being haunted by death.  To make this  story become more interesting to read and digest, the author  put a lot of superstitious contents. Moreover, the story can be an advicing and learning source  for the next generations so they will live in the right path of life. . The basic problem that arise in this article is about common belief on how Toraja people (Lakipadada ) will never be crowned as king beyond its own community (Toraja), and also will hard to socialize with other community than Toraja people.. Does this common assumption have any correlations with the content of the story?. The theory that used in this story was structurilism based on Levi-Staruss as exemplified by Ahimsa in the book Structurilism of Levi-Staruss, A myth and Literary Works (2001: 216-256) and it also used descriptive analysis method. The results indicated a structured relationship among elements in the story and social conditions in society.Lakipadada adalah salah satu karya sastra daerah masyarakat Toraja yang sarat dengan nilai-nilai dan konsep-konsep kehidupan. Karya sastra ini disampaikan secara lisan dan turun temurun. Tulisan ini bertujuan mendeskripsikan salah  satu karya sastra daerah yang masuk  kategori legenda. Cerita ini berkisah tentang seorang pemuda bangsawan yang paranoid akan kematian sehingga dia berusaha mencari mustika tang mate ‘kekal abadi’ agar tidak lagi dihantui kematian. Kisah ini   banyak dibumbui cerita supranatural sehingga  menarik untuk dibaca dan dipahami. Disamping itu, kisah ini dapat menjadi bahan nasihat dan pembelajaran bagi anak cucu untuk bekal di hari mendatang agar tidak salah langkah/tersesat. Masalah  mendasar  yang  muncul  dalam  artikel  ini  adalah  adanya asumsi bahwa manusia Toraja (Lakipadada ) tidak bisa menjadi raja di luar daerah Toraja  dan  tidak bisa membaur dengan masyarakat di luar orang Toraja. Apakah anggapan masyarakat ini mempunyai relasi dengan muatan cerita? . Teori yang digunakan adalah teori strukturalisme berdasarkan Levi-Staruss  seperti yang dicontohkan Ahimsa dalm bukunya Strukturalisme Levi-Strauss Mitos dan Karya Sastra (2001: 216-256) dengan metode analisis deskriptif. Hasil yang ditemukan menunjukkan adanya hubungan yang terstruktur antarelemen dalam cerita dan kondisi sosial di masyarakat.

scholarly journals PENGARUH FAKTOR DEMOGRAFI TERHADAP PERILAKU PENGGUNAAN KARTU KREDIT

2016 ◽  
Vol 4 (2) ◽  
pp. 172
Author(s):  
Mariana Ing Malelak ◽  
Gesti Memarisa ◽  
Njo Anastasia
Keyword(s):  
Data Collection ◽  
Marital Status ◽  
Credit Card ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Demographic Factors ◽  
Shopping Center ◽  
Card Holder ◽  
Usage Behavior ◽  
Credit Card Usage

Abstract: This study aimed to determine the effect of demographic factors on credit card usage behavior. Demographic factors such as age, gender, income, education, marital status, according to some previous research has significant effect to credit card usage behavior, both it is related with spending activity with credit cards and also the pattern of payments in pay off credit card bills. Sampling was conducted on people  who  live  in  Surabaya, which  has  a  credit  card  either  as  primary and additional card holder. The data collection use questionnaires form, which is distributed to shopping center visitors in Surabaya. Descriptive analysis is used to decribe the demographic factors and credit card usage behavior. SEM-PLS test conducted  to  examine  the  effect  of  demographic factors  such  as  age,  gender, income, education, marital status on credit card usage behavior in Surabaya. The results showed demographic factors (age, income and marital status) significantly affect the credit card usage behavior (in terms of pay off credit card bills) in Surabaya.Keywords: Demographic Factors, Credit card usage behavior.

scholarly journals Konsep Integrasi Ilmu dalam Pandangan Ismail Raji Al-Faruqi

2015 ◽  
Vol 3 (1) ◽  
Author(s):  
Arifuddin Arifuddin
Keyword(s):  
Descriptive Analysis ◽  
Analysis Method ◽  
Integrated Science ◽  
Science Integration ◽  
The Past ◽  
The People ◽  
Analysis Technique ◽  
Huge Impact ◽  
Descriptive Method ◽  
Integration Concept

The development of science grows rapidly. However, this phenomenon raises a huge impact for Muslims. It has been our behavior  that distinguish between Moslem Science and other knowledge. There is a discriminative treatment against the two types of science. Muslims are divided into those who have positive perception of the Islamic sciences, and negative to other, or vice versa. Based on the reality, Al-Faruqi says that there is no other way to raise Islam, except to reassess the culture of Islamic scholarship in the past, present and modern scholarship as well, and then process them into scientific to be a mercy to the world through what called "integrated science". From the background, the purposes of this study are 1) To know the concept of science integration Ismail Raji al-Faruqi sight. 2) To know the method implementation of the science integration concept in Ismail Raji al-Faruqi sight. This research uses descriptive-analysis method. Descriptive method tries to explain the concepts of Ismail Raji al-Faruqi thought about the science integration. While the analysis technique used is a combination among deductive, inductive, and interpretation. After the research completed, it could be concluded that the Science Integration Concepts in Ismail Raji al-Faruqi sight shows us that science is not value-free and must be based on the method of monotheism. Tauhid principle should be the basic or the main foundations in the development of science in Islam. So that, it shows us to the development of community beneficial. The idea of science Islamisation is one solution to overcome the people problems. The ideas are implemented in 12- work plan steps in Science Islamisation program.

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