scholarly journals The Implementation of Verdict Execution on Providing Maḍiyah Maintenance Following Divorce According to Islamic Law (Case Study in Syar’iyyah Court Banda Aceh)

2020 ◽  
Vol 4 (2) ◽  
pp. 416
Author(s):  
Soraya Devy ◽  
Dwi Mekar Suci

The article discusses the procedures of filing a plea to execute verdicts on providing māḍiyah maintenance and the effort to implement the verdicts in Syar’iyyah Court Banda Aceh.  The study was conducted with a qualitative approach and the collected data were analyzed with a descriptive-analysis method based on Islamic law perspective. The result shows that the procedure and the legal effort to file an execution toward the verdict related to māḍiyah maintenance in Syar’iyyah Court are distinguished into two types of divorce, i.e. talak divorce and filed divorce. In talak divorce, the execution of the verdict related to maintenance is conducted during the reading of the talak pledge. In the filed divorce, the ex-wife’s lawsuit related to maintenance which is neglected by the ex-husband is entitled to be legally sued through filing a plea on execution. The phases as follows: (1) the ex-wife files a plea of execution to the court, (2) pay the execution cost, (3) aanmaning (a warning to the defendant), (4) the ex-husband and ex-wife comply with the summons by the court, (5) the court establishes executorial beslag (executing confiscation), (6) the court establishes an execution order, (7) an auction. According to the Islamic perspective, the execution of māḍiyah maintenance can be conducted following the ex-wife’s lawsuit to the court. The execution of māḍiyah maintenance can be performed by the court based on the valid provisions of executing māḍiyah maintenance in Syar’iyah Court upon consideration of benefit and expediency principles.

2014 ◽  
Vol 3 (1) ◽  
Author(s):  
Satria Munawir

Kafalah is a guarantee of a guarantor, either in the form of self assurance and treasure to the second party in relation to the rights and obligations of both parties that the other party. In banking sector, implementation of the concept is well known as a bank guarantee, which is a guarantee in the form of paper issued by the bank which resulted in the obligation to pay to the party receiving the collateral if the guaranteed party breach the contract. This article aims to study the implementaion of kafalah product at BMI Banda Aceh including strategies in preventing risks related the products. It also examines the implementation of kafalah from an Islamic perspective. In finding the answer, this article employes qualitative approach. Data was collected through field research and library research which was then analized using descriptive analysis method. The results show that the product kafalah undertaken by BMI Branch of Banda Aceh is a form of insurance that includes guaranteed tender, performance bonds, warranties advance, and guarantee maintenance with a deposit of 100% cash collateral to the insurance value is small and a deposit of 60% of fixed asset plus 40% cash collateral for eprtanggungan whose value is greater than the value of the desired assurance customers. Moreover, the client or the insured must enter into cooperation agreements with project leaders to work on a particular project. Tips management undertaken by BMI Branch Banda is analyzing the customer or contractor using character analysis and collateral is more dominant than the overall analysis of 5C, because the BMI-related risks faced by the provision of guarantees / kafalah is credit risk and reputation risk. From the Islamic perspective, the implementation of kafalah has complied with Islamic jurisprudence. Keywords: Analysis, Risk Management, Kafalah, Bank Muamalat Indonesia


AdBispreneur ◽  
2021 ◽  
Vol 6 (1) ◽  
pp. 13
Author(s):  
Apriani Simatupang ◽  
Etyca Rizky Yanti ◽  
Nuke Mardila

This study aims to determine the management of housings loans to minimize nonperforming loans at PT Bank Tabungan Negara Tbk (Case Study of the DKI Jakarta). The research method used in this research is descriptive analysis method with a qualitative approach. Data collection techniques using interview and observation. After the data is collected, then systematically arrange, it is type of debitor, type of credit, credit term, requairement of credit, credit management in this case control using the 5C principle (Character, Capacity, Capital, Collateral, Condition), credit decisions and credit agreements. After the data is compiled systematically then concluded. The results of the study are that there are 2 (two) types of Bank BTN Debitors are regular BTN  and priority BTN. In 2019, control credit management BTN DKI Jakarta branch is non effective, this is seen from the result of NPL increased to 4,83% while in 2018 only 2,56%. The NPL increased was dominated because debitors experienced disasters such as floods. Nevertheless, the risk base BTN rating is still at a good, and including a healthy bank, in accordance with Bank Indonesia nomore than 5%.  Penelitian ini bertujuan untuk mengetahui manajemen kredit pemilikan rumah untuk meminimalisir kredit macet pada PT Bank Tabungan Negara Tbk (Studi Kasus Cabang DKI Jakarta). Metode penelitian yang digunakan dalam penelitian ini adalah metode analisis deskriptif dengan pendekatan kualitatif. Teknik pengumpulan data menggunakan teknik wawancara dan observasi. Setelah data dikumpulkan kemudian disusun secara sistematis yakni: jenis debitur, jeniskredit, jangka waktu kredit, persyaratan umum kredit, manajemen kredit dalam hal ini pengendalian kredit menggunakan prinsip 5C (Character, Capacity, Capital, Collateral, Condition), Keputusan Kredit dan Akad Kredit. Setelah data disusun secara sistematis lalu ditarik kesimpulan. Hasil Penelitian yang diperoleh yakni Tipe Debitur pada Bank BTN terdiri dari 2(dua) yakni BTN Reguler dan BTN prioritas. Manajemen kredit tahun 2019 pada Bank Tabungan Negara cabang DKI Jakarta dalam hal pengendalian kredit masih kurang efektif dilihat dari hasil pengukuran NPL tahun 2019 mengalami peningkatan menjadi 4,83% dibandinkan pada tahun 2018 sebesar 2,56%. Peningkatan NPL tersebut didominasi karena debitur mengalami bencana seperti banjir. Meskipun demikian, tingkat kesehatan Bank Tabungan Negara Cabang DKI Jakarta masih pada ambang batas termasuk bank yang sehat, sesuai ketetapan  Bank Indonesia tidak lebih dari 5%.


2021 ◽  
Vol 23 (1) ◽  
pp. 72
Author(s):  
Agustin Hanapi ◽  
Mulyadi Mulyadi ◽  
Mursyid Djawas

Positive law only limits marriage isbat to marriages that occurred before Law no. 1 of 1974 because there is no rule requiring registration. Meanwhile, unregistered marriages that occur after the regulation cannot carry out isbat marriage, because the law only limits it before the enactment of Law no. 1 of 1974. However, the Compilation of Islamic Law provides space as Article 7 paragraph (3) letter e which reads that marriages are carried out by those who do not have marriage barriers according to Law no. 1 of 1974. Article 7 has provided a very broad absolute competence regarding isbat marriage, even though KHI is not included in the hierarchy of Legislation. Judges are given the flexibility to perform ijtihad for the benefit of all parties. This article is the basis for consideration of the Lhoksukon Syar'iyah Court judges in granting the application for isbat marriage for unregistered married couples, namely number: 131/Pdt.P/2019/MS.Lsk. number: 313/Pdt.P/2019/MS.Lsk. For this reason, this paper wants to answer the question of how the judges of the Lhoksukon Syar'iyah Court considered the reasons for the isbat of unregistered marriages, and what was the legal status of the judge's determination of the isbat of marriages for unregistered married couples. The method used is descriptive analysis method with a qualitative approach. The research approach is juridical normative and juridical sociological, using the theory of legal protection. Then use the theory of maqāṣid syarī'ah to realize goodness while avoiding evil, or take advantage and reject harm. The results of the study stated that the consideration of the judges of the Lhoksukon Syar'iyah Court in the case of isbat marriage for unregistered married couples was in accordance with the laws and regulations, the judge was also not rigid in ijtihad but considered sociological and problematic aspects.Hukum positif hanya membatasi isbat nikah pada perkawinan yang terjadi sebelum UU No. 1 Tahun 1974 karena belum ada aturan mewajibkan pencatatan. Sedangkan nikah siri yang terjadi setelah aturan itu tidak dapat melakukan isbat nikah, karena Undang-Undang hanya membatasi sebelum berlakunya UU No. 1 Tahun 1974. Namun Kompilasi Hukum Islam memberi ruang sebagaimana Pasal 7 ayat (3) huruf e yang berbunyi perkawinan yang dilakukan oleh mereka yang tidak mempunyai halangan perkawinan menurut UU No. 1 Tahun 1974. Pasal 7 ini telah memberikan kompetensi absolut yang sangat luas tentang isbat nikah, padahal KHI tidak termasuk dalam hierarki Peraturan Perundang-Undangan. Hakim diberikan keluasan untuk berijtihad demi kemaslahatan semua pihak. Pasal inilah menjadi dasar pertimbangan Majelis hakim Mahkamah Syar’iyah Lhoksukon dalam  mengabulkan permohonan isbat nikah bagi pasangan nikah siri, yaitu nomor: 131/Pdt.P/2019/MS.Lsk. nomor: 313/Pdt.P/2019/MS.Lsk. Untuk itu tulisan ini ingin menjawab  pertanyaan bagaimana pertimbangan Hakim Mahkamah Syar’iyah Lhoksukon terhadap alasan isbat nikah siri, dan bagaimana status hukum terhadap penetapan Hakim mengenai isbat nikah bagi pasangan nikah siri. Metode yang digunakan adalah metode deskriptif analisis dengan pendekatan kualitatif. Adapun pendekatan penelitian bersifat yuridis normatif dan yuridis sosiologis, dengan menggunakan teori perlindungan hukum. Kemudian menggunakan teori maqāṣid syarī‘ah untuk mewujudkan kebaikan sekaligus menghindarkan keburukan, atau menarik manfaat dan menolak mudarat. Hasil penelitian menyebutkan bahwa pertimbangan hakim  Mahkamah Syar’iyah Lhoksukon dalam kasus isbat nikah bagi pasangan nikah siri telah sesuai dengan peraturan perundang-undangan, hakim juga tidak kaku dalam berijtihad tetapi mempertimbangkan aspek sosiologis dan masalahat.


2019 ◽  
Vol 1 (2) ◽  
pp. 181
Author(s):  
Suad Fikriawan

Abstract:This study aims to answer the problem of the contractual practice of leasing the Kitabisa.com website and how to analyze Islamic business law on its implementation. Research data was collected through documentation and interviews. The research approach used is a qualitative approach with descriptive analysis method, where data is analyzed using ijarah theory. The results of the study concluded that: first, leasing a website at Kitabisa is a leasing contract between campaign owners (tenants) and Kitabisa (who rents out). Kitabisa.com does not explain the nominal amount of rent that must be paid by the campaign owner and also without time constraints. Payment of service fees is taken from donations collected by 5% and is charged to donors. If the campaign during the promotion does not result in a donation, service fees will not be charged; second, payment of service fees in online donations in Kitabisa is permissible in Islamic law, because it is included in the ijarah contract category. Payment of donation service fees does not violate the rules of Islamic law because there is no element of gharar. Transactions carried out are in accordance with the rules of Islamic law where both parties do not feel disadvantaged, so as to prevent the occurrence of disputes. The Kitabisa party should improve the agreement contract and provide clear information about donation services to users. Campaign owners and donors should pay attention to the principles in Islamic law so as not to fall into things that are prohibited. الملخص: تهدف هذه الدراسة إلى الإجابة عن مشكلة ممارسة تأجير المواقع الإلكترونية في  kitabisa.comوكيفية تحليل قانون الأعمال الإسلامية في تنفيذه. نهج البحث المستخدم هو نهج نوعي مع طريقة التحليل الوصفي. وخلصت نتائج الدراسة إلى أن: أولاً ، استئجار موقع على الإنترنت فيkitabisa.com هو عقد إيجار بين مالكي الحملة (المستأجرين) و kitabisa.comالذين يستأجرون). لا يشرح موقع kitabisa.comالقيمة لاسمية لرسوم الإيجار التي يجب أن يدفعها مالك الحملة ودون قيود زمنية ، حيث يتم دفع رسوم الخدمة من التبرعات التي تم جمعها بنسبة 5٪ من قبل نظام  kitabisa.comقبل الدخول إلى الحملة. يتم تحميل رسوم الخدمة على الجهات المانحة وليس لأصحاب الحملة. إذا لم تكن الحملة أثناء الترويج تبرعات ، فلن يتم تحصيل رسوم الخدمة ؛ ثانياً ، يجوز دفع رسوم الخدمة في التبرعات عبر الإنترنت فيkitabisa.comفي الشريعة الإسلامية ، لأنه يتم تضمين دفع خدمات التبرعات في فئة عقد الإجارة. يعتبر دفع رسوم خدمة التبرع مخالفاً لقواعد الشريعة الإسلامية من حيث الحيازة ، لأن تكلفة خدمات التبرع قد تم إعفاؤها من الغرر. كما أن المعاملات التي تتم وفقا لقواعد الشريعة الإسلامية ، وفي هذه الحالة ، لا يشعر الطرفان أيضا بالأذى ، لمنع وقوع الأعمال العدائية والنزاعات. بناء على ذلك يوصى بما يلي: أولاً ، ينبغي على الطرفkitabisa.comتحسين اتفاقية الاتفاق وتقديم معلومات واضحة عن خدمات التبرع لمستخدمي تسهيلات التبرع عبر الإنترنت حتى لا تفهم المعلومات بشكل جيد ؛ ثانياً ، يجب على مالكي الحملة والمانحين دائماً أن ينتبهوا للمبادئ التي تم تدريسها من قبل الشريعة الإسلامية بحيث لا تقع ضمن المسائل المحظورة. Abstrak: Penelitian ini bertujuan untuk menjawab problem praktik akad sewa website Kitabisa.com dan bagaimana analisis hukum bisnis Islam terhadap implementasinya. Data penelitian dihimpun melalui dokumentasi dan wawancara. Pendekatan penelitian yang digunakan adalah pendekatan kualitatif dengan metode analisis deskriptif, dimana data dianalisis dengan menggunakan teori ija>rah. Hasil penelitian menyimpulkan bahwa: pertama, sewa website di Kitabisa merupakan akad sewa-menyewa antara pemilik kampanye (pihak penyewa) dan Kitabisa (yang menyewakan). Kitabisa tidak menjelaskan jumlah nominal biaya sewa yang harus dibayarkan oleh pemilik kampanye dan tanpa dibatasi waktu. Pembayaran biaya jasa diambil dari uang donasi yang terkumpul sebesar 5% dan dibebankan kepada donatur. Apabila campaign selama promosi tidak menghasilkan donasi, maka tidak akan dibebankan biaya jasa; kedua, pembayaran biaya jasa dalam donasi online di Kitabisa diperbolehkan dalam hukum Islam, karena termasuk dalam kategori akad ija>rah. Pembayaran biaya jasa donasi tidak menyalahi aturan hukum Islam karena tidak ada unsur gharar. Transaksi yang dilakukan telah sesuai dengan aturan hukum Islam dimana kedua belah pihak tidak merasa dirugikan, sehingga dapat mencegah terjadinya perselisihan. Pihak Kitabisa hendaknya memperbaiki akad perjanjian dan memberikan informasi yang jelas mengenai jasa donasi kepada pengguna. Pihak pemilik kampanye dan donatur hendaknya memperhatikan prinsip-prinsip dalam syariat Islam agar tidak terjerumus kepada hal-hal yang dilarang. 


2018 ◽  
Vol 3 (2) ◽  
Author(s):  
Indra Hidayatullah

Profit and loss sharing system applied in the Islamic bank as an alternative substitute for the application of the interest system is deemed to successfully avoid the negative impacts of the interest application. It is also considered to be able to allocate resources and fund sources efficiently. The solution is briefly mentioned by holding the financing transactions based on three models, namely mudlarabah, musharakah dan murabahah. In this study, there are several methods used to collect the data. It includes methods of observation, interviews and documentation. The data is then analyzed using descriptive analysis and qualitative approach. The research findings figure out that the realization of profit and loss sharing system based on mudlarabah financing applied in the Branch Office of Syariah Mandiri Bank in Lumajang, in terms of Islamic Law, is valid since it already fulfills the validity requisites of mudlarabah. There is only such dilemmatic consideration relates to the issue of assurance because of the difference opinion among Islamic scholars (Ulama) about the license of assurance itself aside of the emergency or in case that the suspicion toward mudlarib emerged. The financing of mudlarabah in Syariah Banking, particularly in terms of the application of financing calculation in the Branch Office of Syariah Mandiri Bank in Lumajang is completely appropriate since it already fulfills the requisites obtained in all Syariah Bankings and the Fatwa of National Syariah Council. The application of profit and loss sharing calculation in the Branch Office of Syariah Mandiri Bank in Lumajang is valid and appropriate since its realization is in accordance with Islamic and Banking Law. The profit-sharing ratio provided by the bank are 95.10%: 4.9%, 90, 69%: 9.31% and 87.10%: 12.9%. And this bank do not share the ratio of 100: 0 to their customers. Keywords: Profit and Loss Sharing, Mudlarabah financing, Islamic Perspective


2020 ◽  
Vol 3 (1) ◽  
pp. 50-62
Author(s):  
Muhammad Faisal AR Pelu ◽  
Darwis Lannai ◽  
Gina Anggi Rianthy

This study aims to determine and describe how the application of methods Benchmark Behavioral Model in the process of supervision and inspection of taxes that have been applied in the North Makassar STO. Data collection method used is the open interview and go directly to the location of the STO North Makassar. This study uses a case study with a qualitative approach. Data analysis method used is descriptive analysis method. The results showed that the method Benchmark Behavioral Model is only used as a reference tool in the supervision and examination but can not be used as the basis for the issuance of tax assessment. Benchmark Behavioral Model also play a role in helping the process of supervision and inspection of taxes for Account Representative so that the process of supervision and inspection can be run efficiently and effectively. This method can also be used as a tool for inspectors to determine the extent of the examination as early guidance examination.


2019 ◽  
Vol 1 (2) ◽  
pp. 141
Author(s):  
Iis Yeni Sugiarti

Abstrak. Desa Trusmi merupakan sentra batik sekaligus kuliner di Kabupaten Cirebon. Banyaknya pemegang usaha di bidang produksi batik mengakibatkan persaingan dagang diwilayah tersebut. Penelitian ini bertujuan untuk menganalisis SWOT (Strength, Weakness, Opportunities, Threats)  di salah satu usaha batik milik H. Edi Baredi atau sering dikenal dengan EB Batik Tradisional melalui inkuri terbimbing. Analisis meliputi profil usaha, aspek produksi, aspek tenaga kerja, aspek pemasaran dan aspek keuangan. Jenis penelitian ini menggunakan pendekatan kualitatif dengan metode deskripstif analisis. Berdasarkan analisis internal dan eksternal analisis SWOT, strategi yang  dilakukan oleh EB Batik Tradisional yaitu menghindari kehilangan penjualan dan profit yang disebabkan banyaknya persaingan dagang di kawasan sentra batik Trusmi dengan munculnya inovasi baru. Penguatan karakter pada produksi batiknya dapat mengatasi pesaingan dagang dan menambah daya tarik pembeli. Kata Kunci: SWOT, Inkuiri Terbimbing, dan Kegiatan Ekonomi Abstract. Trusmi village is a center of batik as well as culinary in Cirebon Regency. A large number of business holders in the field of batik production has resulted in trade competition in the region. This study aims to analyze SWOT (Strength, Weakness, Opportunities, Threats) in one of the batik business owned by H. Edi Baredi or often known as EB Traditional Batik through guided injury. The analysis includes the business profile, production aspects, labor aspects, marketing aspects, and financial aspects. This type of research uses a qualitative approach with descriptive analysis method. Based on internal and external analysis of the SWOT analysis, the strategy carried out by EB Traditional Batik is to avoid losing sales and profits due to the high level of trade competition in the Trusmi batik center area with the emergence of innovations. Strengthening the character of batik production can overcome trade competition and increase the attractiveness of buyers. Keywords: SWOT, Guided Inquiry, and Economic Activities


2019 ◽  
Vol 10 (2) ◽  
pp. 285
Author(s):  
Yeni Maulina ◽  
Khairul Azmi

Pengkalan Kuras, Langgam, Kuala Kampar, and Bunut Subdistrict, Pelalawan Regency. Petalangan tribe has various cultures in the traditions of life. A good introduction to cultural heritage by the next generation can strengthen the nation's tradition in responding to the increasingly severe challenges of the future in this era of globalization. Cultural heritage in the form of moral-spiritual inheritance, one of which is obtained and known through the tradition of belief in the traditional proverb that exists in the community. The traditional adage in the Petalangan community, among others, explains the perspective on community life. This study aims to describe the style of language in the customary proverb that is related to the perspective of life in society. This research uses a qualitative approach with descriptive analysis method. The data source used was the book entitled Pepatah Adat, Istilah, dan Kosa kata Masyarakat Petalangan Kabupaten Pelalawan, Riau. There are 16 traditional proverbs used as data in this study, which then obtained 3 language styles based on sentence structure and 2 language styles based on meaning. By knowing and learning the style of language in this traditional proverb, the philosophy of life and aesthetic tastes of the people of Riau can be understood. Petalangan merupakan salah satu puak asli di Provinsi Riau yang bermukim di Kecamatan Pengkalan Kuras, Langgam, Kuala Kampar, dan Bunut, Kabupaten Pelalawan. Suku Petalangan ini memiliki beraneka kebudayaan dalam kehidupan. Pengenalan yang baik terhadap warisan kebudayaan oleh generasi penerus dapat memperteguh tradisi bangsa dalam menjawab tantangan masa depan yang semakin berat dalam era globalisasi ini. Warisan kebudayaan yang berupa warisan moral-spiritual, satu di antaranya didapatkan dan diketahui keyakinan terhadap pepatah adat yang ada pada masyarakat. Pepatah adat dalam masyarakat Petalangan antara lain menjelaskan cara pandang mengenai hidup bermasyarakat. Penelitian ini bertujuan mendeskripsikan gaya bahasa di dalam pepatah adat yang berhubungan dengan cara pandang dalam hidup bermasyarakat. Penelitian ini menggunakanpendekatan kualitatif dengan metode analisis deskriptif. Sumber data yang digunakan adalah buku Pepatah Adat, Istilah, dan Kosa kata Masyarakat Petalangan Kabupaten Pelalawan, Riau. Terdapat 16 pepatah adat yang dijadikan data dalam penelitian ini, yang kemudian diperoleh 3 gaya bahasa berdasarkan struktur kalimat dan 2 gaya bahasa berdasarkan makna. Dengan mengetahui dan mempelajari gaya bahasa dalam pepatah adat ini dapat dipahami filsafat hidup dan cita rasa estetika masyarakat Riau.


2020 ◽  
Vol 28 (2) ◽  
pp. 204
Author(s):  
Wirman Wirman ◽  
Mira Fauziah

Jama’ah Mastūrah refers to a congregation of women division of Jama’ah Tabligh. As is the case of the male counterpart, Jama’ah Mastūrah also takes part in Islamic missionary activities. However, this group does not carry out da’wah in an open space or in front of the congregation. This study aimed to analyze the method of da’wah carried out by Jama’ah Mastūrah in raising women religious awareness in Aceh Besar. The study used qualitative approach and the descriptive analysis method. Data were collected by interview and documentation study. The results showed that the da’wah method carried out by Jama'ah Masṭurah was the method of da’wah bi al-lisān,  bi al-kitābah and bi al-hāl. The bi al-lisān method is carried out by inviting the surrounding community to invite people to pray, wear a headscarf, recite the Qur'an and attend ta'lim activities in their homes. The bi al-kitābah is a method of da’wah by means of written materials, such as books, billboards, banners, bulletin boards,  or pamphlets, containing messages of da’wah to mad’ū. The bi al-hāl method is carried out by showing noble morals, maintaining the limits of the genitals and avoiding meeting with men who are not mahram.


2019 ◽  
Vol 1 (1) ◽  
pp. 30-40
Author(s):  
Nabila Rahma Silmi ◽  
Tuah Nur ◽  
Dian Purwanti

The purpose of this research is to find out the implementation of regional disaster management policies in Sukabumi City and to find out the inhibiting and supporting factors of the successful implementation of regional disaster management policies. This research method uses descriptive analysis method with a qualitative approach. The results showed that the implementation of regional disaster management policies was not optimal. The conclusion is that the socialization activities are still lacking and equitable, human resources and infrastructure have not been added yet. The inhibiting factors are in terms of institutional, apparatus discipline, budget, resources, facilities and environment that are less conducive. Supporting factors are the existence of regulations or regulations on disaster management. for communication carried out by BPBD Sukabumi City in carrying out socialization activities or training on disaster management to the public is still lacking and uneven. Keywords: Implementation, Policy, Disaster Management.


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