scholarly journals The Implementation of Musyarakah by PT Bank Aceh Branch of Banda Aceh, Indonesia

2019 ◽  
Vol 3 (1) ◽  
pp. 99
Author(s):  
Juli Andria ◽  
Darmawan Darmawan ◽  
Azhari Azhari
Keyword(s):  
Field Research ◽  
Profit Sharing ◽  
Research Data ◽  
Legal Analysis ◽  
Breach Of Contract ◽  
The Future ◽  
The Law ◽  
Legal Consequences ◽  
Banda Aceh

According to Article 19 Paragraph (1) of the Law Number 21 of 2008 concerning Sharia Banking, one of the activities of Sharia Banking is to provide financial funding based on musyarakah (profit sharing). The implementation of musyarakah by PT Bank Aceh Syariah in Banda Aceh has been covered up to 85 customers from the period of 2015 to 2017. In musyarakah contract the customers have to fulfil their obligations to pay the payments to the bank. However, the fact shows that the customers could not fulfil their obligations to pay their payments to the bank because they have income problems in running their businesses. From 2015 to 2017 there were seven customers were not well performed musyarakah. This condition has resulted in breach of contract by the customers which is known as non-performing musyarakah funding. This study aims to scrutinize legal consequences arising from non-performing musyarakah funding and identify the efforts taken in the settlement of this problem. This study is an empirical juridical research. Data required for this study were collected through field research by interviewing respondents or informants. The result shows that the legal consequences arising from this non-performing musyarakah funding were pledges or defaults by the customers because they violate the Article 12 of Musyarakah contract. The efforts taken in settling this problem among others are collecting the arrear obligations and handling non-performing musyarakah to the bank’s officer to be analysed based on legal analysis. Therefore, it is advised that the customers should fully fulfil their obligation to pay their payments to the bank based on musyarakah contract. Then, the bank officers are suggested to fully analyse the arrear obligations of the customers based on legal analysis. By doing so it could reduce non-performing musyarakah funding in the future

scholarly journals MEKANISME PERHITUNGAN KEUNTUNGAN DAN PENGARUHNYA TERHADAP BAGI HASIL (STUDI TERHADAP PEMBIAYAAN MUDHARABAH PADA BPRS HIKMAH WAKILAH BANDA ACEH)

2013 ◽  
Vol 2 (1) ◽  
Author(s):  
Wardiah Wardiah ◽  
Azharsyah Ibrahim
Keyword(s):  
Financial Institutions ◽  
Descriptive Analysis ◽  
Field Research ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Research Data ◽  
Average Income ◽  
Business Results ◽  
Library Research ◽  
Banda Aceh

This study aims to determine the process of calculating the profit of mudharabah financing at BPRS Hikmah Wakilah from an Islamic perspective and its influence on profit sharing. It also aims to explore the mechanism of adjusting the profit-sharing ratio, and the effect of calculating the profitability of mudharabah financing on profit sharing. The method of this research is descriptive analysis. The research data is collected through library research and field research. The results showed that the calculation of profit sharing PT. BPRS Hikmah Wakilah uses revenue sharing system in accordance with the National Sharia Board Fatwa No.15/DSN-MUI/IX/2000 About Principles of Distribution of Business Results in Sharia Financial Institutions. While in the calculation of profit, the BPRS refers to the percentage of total financing and average income earned by the customer and projected the same profit sharing during the financing period. Profit calculation significantly affects the percentage of profit sharing and the period of profit received by the bank. =========================================== Penelitian ini bertujuan untuk mengetahui proses perhitungan keuntungan pembiayaan mudharabah pada BPRS Hikmah Wakilah ditinjau menurut hukum Islam, mekanisme penyesuaian nisbah pembagian keuntungan, serta pengaruh perhitungan keuntungan pembiayaan mudharabah terhadap bagi hasil. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis. Pengumpulan data penelitian dilakukan melalui library research dan field research. Teknik pengumpulan data melalui wawancara dan studi dokumentasi. Hasil penelitian menunjukkan bahwa perhitungan bagi hasil, PT. BPRS Hikmah Wakilah menggunakan sistem revenue sharing sesuai dengan Fatwa Dewan Syariah Nasional No.15/DSN-MUI/IX/2000 Tentang Prinsip Distribusi Hasil Usaha Dalam Lembaga Keuangan Syariah. Sementara dalam melakukan perhitungan keuntungan, BPRS merujuk pada persentase jumlah pembiayaan dan pendapatan rata-rata yang diperoleh nasabah serta memproyeksi bagi hasil yang sama selama jangka waktu pembiayaan. Perhitungan keuntungan berpengaruh signifikan terhadap persentase bagi hasil dan jangka waktu penerimaan keuntungan yang akan diterima pihak bank. Kata Kunci: Pembiayaan Mudharabah, Kentungan, Bagi Hasil

12. Discharge by frustration: subsequent impossibility

2021 ◽  
pp. 467-492
Author(s):  
Robert Merkin ◽  
Séverine Saintier ◽  
Jill Poole
Keyword(s):  
Contract Law ◽  
Legal Basis ◽  
Breach Of Contract ◽  
General Terms ◽  
Force Majeure ◽  
Common Purpose ◽  
Legal Position ◽  
The Common ◽  
The Law ◽  
Legal Consequences

Course-focused and comprehensive, Poole’s Textbook on Contract Law provides an accessible overview of the key areas on the law curriculum. In general terms non-performance constitutes a breach of contract. The contract may have expressly allocated the risk of certain external events which occur after the contract is made to one of the parties by means of a force majeure clause. The terms of this clause will determine the parties’ positions if the event in question occurs. In the absence of an express allocation of the risk, the frustration doctrine is a residual doctrine that governs when such frustrating events intervene, without the fault of either party. These frustrating events relate to impossibility, illegality or frustration of the common purpose of both parties. This chapter examines the legal basis of the frustration doctrine, when it applies, when it does not apply and the legal consequences of frustration on the parties’ positions. Frustration automatically terminates the contract for the future and, where it applies, the provisions of the Law Reform (Frustrated Contracts) Act 1943 govern the parties’ pre-existing legal position.

scholarly journals Law for ethnographers

2017 ◽  
Vol 10 (1) ◽  
pp. 205979911772060 ◽  
Author(s):  
Tracey Elliott ◽  
Jennifer Fleetwood
Keyword(s):  
Legal Protection ◽  
Criminal Activity ◽  
Research Data ◽  
Legal Responsibility ◽  
Ethnographic Research ◽  
Legal Action ◽  
Illegal Activity ◽  
The Future ◽  
History Of ◽  
The Law

Despite a long history of ethnographic research on crime, ethnographers have shied away from examining the law as it relates to being present at, witnessing and recording illegal activity. However, knowledge of the law is an essential tool for researchers and the future of ethnographic research on crime. This article reviews the main relevant legal statutes in England and Wales and considers their relevance for contemporary ethnographic research. We report that researchers have no legal responsibility to report criminal activity (with some exceptions). The circumstances under which legal action could be taken to seize research data are specific and limited, and respondent’s privacy is subject to considerable legal protection. Our review gives considerable reason to be optimistic about the future of ethnographic research.

scholarly journals PEMBATASAN JUMLAH AKTA NOTARIS BERDASARKAN KEWAJARAN DI KOTA PADANG

2020 ◽  
Vol 2 (2) ◽  
pp. 144-154
Author(s):  
Rionald Harris ◽  
Zainul Daulay ◽  
Beatrix Benni
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Research Data ◽  
Primary Data ◽  
Physical Ability ◽  
Descriptive Research ◽  
Reasonable Limit ◽  
The Law ◽  
Using Data ◽  
Legal Consequences

The Honorary Board of the Indonesian Notary Association as the organ of the Indonesian Notary Association issues a regulation regarding the Fairness of the Deed Making Certificate per Notary for 20 deeds per day. Based on pre-research, there are still many notaries who do not know about the regulation in Padang. Why a Notary is prohibited from making a deed exceeding the fairness limit, what factors becomes the reasons for a Notary in Padang to make a deed exceeding the fairness limit and the legal consequences of a deed exceeding the fairness limit will be the topic of discussion in this paper. The research method used is a type of empirical juridical research and the nature of analytical descriptive research; data collection is done by using data in the form of primary material as primary data, supported by secondary and tertiary materials. The data obtained are then processed, analyzed, and interpreted qualitatively. Compliance is a virtue that moves people to act rationally in using what is fair, it is important for Notary to be given reasonable limits on the deeds that they can make per day so that the Notary does not exceed their physical ability to make daily deeds. The Law of Notary Position does not limit the number of deeds that can be made by the Notary per day, so that there are still notaries who make the deed exceed the reasonable limits set especially Fiduciary deed in Padang. Notary Deed that exceeds the fairness limit determined by the Honorary Board of Notary will not be degraded to privately-made deed, provided that what is done by Notary in making the deed is in accordance with the Law of Notary Position. The reasonable limit of making a daily deed issued by the Indonesian Notary Association Honorary Board should be included in the Minister Law or Regulation because basically the DKP.INI 1 regulation in 2017 only binds members of the association. Had the notary been expelled from the association, it would not have had any effect on his position.

scholarly journals PEMAHAMAN NASABAH BANK MUAMALAT INDONESIA BANDA ACEH TERHADAP AKAD MUDHARABAH

2012 ◽  
Vol 1 (2) ◽  
Author(s):  
Iskandar Iskandar ◽  
Ilhaamie Abdul Ghani Azmi ◽  
Azian Madun
Keyword(s):  
Data Analysis ◽  
Great Risk ◽  
Positive Relationship ◽  
Field Research ◽  
Profit Sharing ◽  
Quantitative Approach ◽  
Islamic Banking ◽  
Spss Software ◽  
Gathering Data ◽  
Banda Aceh

Knowledge and understanding of mudharabah products in Islamic banking is necessity for the customers. Mudharabah is one of banking products pose a great risk, because this involves both the investors and the costumers. For the case of Bank Muamalat Indonesia, customer’s lack of understanding on the mudharabah contract may elevate disputes related to the financing offered by the bank as investor and consequently to the consensus of profit sharing ratio. This study aims to discuss and identify the link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh branch. This is a field research that utilized a quantitative approach in gathering data. The results obtained are analyzed using the SPSS software. The finding shows that there is a link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh. The higher level of customer’s understanding towards the product, the smaller risk of conflict may occur. Thus, the data analysis concludes that there is a small positive relationship between customers' understanding of the mudharabah contract and the disputes possibility. =========================================== Pengetahuan dan pemahaman nasabah terhadap produk mudharabah dalam perbankan syariah sangat diperlukan oleh semua nasabah. Mudharabah adalah salah satu produk perbankan yang menimbulkan resiko yang besar, ini karena akad ini melibat dua pihak, yaitu investor dan nasabah. Pada kasus Bank Muamalat Indonesia, kurangnya pemahaman nasabah terhadap produk Mudharabah akan mendatangkan kemungkinan timbulnya sengketa berkaitan pembiayaan yang dikeluarkan oleh bank sebagai shahibul maal dan kesepakatan nisbah pembagian keuntungan. Kajian ini bertujuan untuk membahas dan mengenal pasti kaitan antara kepahaman dengan konflik yang terjadi di Bank Muamalat Indonesia cabang Banda Aceh. Kajian ini merupakan kajian lapangan dengan menggunakan pendekatan kuantitatif dalam mendapatkan data. Temuan data lapangan dianalisis dengan menggunakan SPSS. Kajian ini mendapati bahwa ada kaitan di antara kepahaman dengan konflik yang terjadi di Bank Muamalat Indonesia Banda Aceh. Semakin tinggi tingkat pemahaman nasabah maka semakin kecil risiko terjadi konflik. Analisis data tersebut menunjukkan hubungan positif kecil antara pemahaman nasabah terhadap akad mudharabah dengan risiko konflik.

scholarly journals PENCANTUMAN STATUS PERKAWINAN DALAM ADMINISTRASI PERKAWINAN DI KANTOR URUSAN AGAMA PERSPEKTIF MAQĀSHID SYARĪ’AH

Al'Adalah ◽  
2020 ◽  
Vol 23 (1) ◽  
pp. 79-92
Author(s):  
Siti Nurul Fatimah T
Keyword(s):  
Marital Status ◽  
Personal Identity ◽  
Rule Of Law ◽  
Islamic Law ◽  
Field Research ◽  
The Future ◽  
The Status ◽  
Identity Card ◽  
The Law ◽  
The One

Status perkawinan merupakan salah satu persyaratan administrasi perkawinan di KUA yang wajib dicantumkan oleh kedua calon pengantin agar pernikahannya dapat diselenggarakan. Seseorang yang belum pernah menikah dianggap perawan/jejaka sedangkan yang sudah pernah menikah dianggap sudah janda/duda. Namun saat ini, kasus seks diluar pernikahan semakin merajalela dan banyak wanita yang hamil diluar pernikahan khususnya di Kota Malang. Sehingga, hal tersebut terdapat ketidakjelasan pada sebuah form status perkawinan yang harus diisi. Misalnya pada wanita yang hamil diluar pernikahan maka statusnya tetap yang dicantumkan adalah perawan. Oleh karenanya, penelitian ini bertujuan untuk mengetahui interpretasi makna status perkawinan dalam administrasi perkawinan menurut KUA, apa konsekuensi hukum jika terjadi kebohongan status perkawinan, serta bagaimana menurut KUA di Kota Malang terhadap pemakanaan status perkawinan tersebut perspektif Maqāshid Syarī’ah. Penelitian ini adalah penelitian lapangan. Hasil penelitian ini, menunjukan bahwa terjadi perbedaan interpretasi perawan/jejaka dan janda/duda antara hukum Islam dan ketentuan administrasi perkawinan yang berdasarkan peraturan Undang-Undang perkawinan di Indonesia. Menurut KUA, status perkawinan mengacu pada identitas diri yang terdapat di KTP masing-masing. Akibat hukum bagi mereka yang berbohong atas status perkawinannya, maka perkawinannya dapat dibatalkan demi hukum oleh pihak yang berwenang. Interpretasi status perkawinan yang berdasarkan KTP, sesungguhnya telah sesuai dengan Maqashid syari’ah pada sektor Hifdz al-‘Irdhi. The inclusion of marital status is one of the requirements in Marriage Administrative at Religious Affairs Office (KUA) that should be fulfilled for the future bride/groom to perform marriage. The one who has not married considered as virgin/bachelor while the one who has married considered as widow/widower. Based on todays phenomenon, married by accident has become well known thing and there are many women who are pregnant without even married, especially in Malang. Thus, there is a lack of clarity on the form of marital status that must be filled. For example, for women who are pregnant out of wedlock, the status listed is a virgin. Therefore, this study aims to find out the interpretation of marital status meaning in marriage administration according to KUA, how the law effect for marital status untruth according to KUA, and how the view of KUA through the marital status meaning in marital administrative based on Maqashid Sharia perspective. The research is field research. The result of the research shows that: different interpretation of virgin/bachelor and widow/widower happen between Islamic law and marriage administration provision which is based on the marriage rule of law in Indonesia. According to KUA, marital status refers to the personal identity that is shown in their personal identity card. The law effect for those who falsify their marital status from thier personal identity card, the marriage can be canceled for the sake of law by the authorities party The interpretation of marriage status that is based on personal identity card, indeed appropriate with Maqashid Sharia in Hifdz al-‘Irdhi sector.

scholarly journals Akibat Hukum Dari Pemutusan Kontrak Secara Sepihak

2021 ◽  
Vol 2 (1) ◽  
pp. 93
Author(s):  
Nurainy Usman ◽  
Merry Tjoanda ◽  
Saartje Sarah Alfons
Keyword(s):  
Research Method ◽  
Civil Code ◽  
Conceptual Approach ◽  
Research Results ◽  
Unilateral Termination ◽  
The Future ◽  
Legal Consequence ◽  
The Law ◽  
Contract Termination ◽  
Legal Consequences

This study aims to determine how the arrangements for the unilateral termination of the contract/agreement and what are the legal consequences arising from the unilateral termination of the contract. The research method used is normative juridical. The approach used in this research is the statute approach and the case approach, and the conceptual approach. The conclusion of the research results is that; contract termination arrangements and legal consequences are regulated in Articles 1266, 1267, 1243 and 1365 of the Civil Code. The conditions for an agreement to be canceled unilaterally are that the agreement must be reciprocal, there is default, and the cancellation must be requested from the judge. Unilateral termination of the agreement due to default without going through the court is an act against the law. The legal consequence of the unilateral termination of the agreement due to default is a claim for compensation from the party who feels aggrieved. The Civil Code does not explicitly regulate the differentiation of compensation as a result of default with compensation as a result of an act against the law. Based on the research results, it is found that compensation as a result of default is compensation in the form of material, while compensation for an illegal act is compensation in the form of material and immaterial. It is hoped that in the future there will be clear regulations regarding compensation as a result of default and compensation as a result of acts against the law.

scholarly journals Perlindungan Hukum terhadap Pencipta atas Pencatatan Suatu Ciptaan yang Sama

Lentera Hukum ◽  
2018 ◽  
Vol 5 (3) ◽  
pp. 437 ◽  
Author(s):  
Riko Sulung Raharjo ◽  
M. Khoidin ◽  
Ermanto Fahamsyah
Keyword(s):  
Legal Protection ◽  
Copyright Law ◽  
The State ◽  
Legal Certainty ◽  
Legal Research ◽  
Similar Work ◽  
The Future ◽  
The Law ◽  
The Right ◽  
Legal Consequences

Copyright recognizes a declarative system in which the state automatically protects a creation after it was born without having to be preceded by registration. Article 64 of Copyrights Act Number 28 of 2014 (Copyright Act) states the registration even though it is not a necessity for the creator. This study aims to examine and analyze the legal consequences, forms of legal protection, as well as the future conception of regulations relating to the recording of a work in common by using legal research as its method. The results of the study indicate that the legal consequences on the similar work to the registration, inter alia, the abolition of the power of law for the registration of works, compensation for the creator, and criminal threats. Based on the theory of legal certainty, a provision is a form of legal certainty provided by the Copyright Law. There is a form of legal protection against the creator of the registration of the similar creation, inter alia, the abolition of the power of the law for registration the work by the court, the creator has the right to compensation, and the creator has the right to sue criminal. Based on the theory of legal protection, a provision is a form of protection provided by the Copyright Law. The future conception of the regulation of registration of creation so that it can provide legal protection against the creator through the renewal related to the addition of authority and procedures in conducting checks for ministers in the case of the registration of creation since it was first realized and announced. Based on the theory of legal certainty and the benefits of law, change and renewal can provide legal certainty and legal benefit for the creator and his creation. Keywords: Creator, Recording of Creations, Same Creations

12. Discharge by frustration: subsequent impossibility

2019 ◽  
pp. 483-508
Author(s):  
Robert Merkin ◽  
Séverine Saintier
Keyword(s):  
Legal Basis ◽  
Breach Of Contract ◽  
General Terms ◽  
Force Majeure ◽  
Common Purpose ◽  
Legal Position ◽  
The Common ◽  
External Events ◽  
The Law ◽  
Legal Consequences

Course-focused and comprehensive, the Textbook on series provides an accessible overview of the key areas on the law curriculum. In general terms non-performance constitutes a breach of contract. The contract may have expressly allocated the risk of certain external events which occur after the contract is made to one of the parties by means of a force majeure clause. The terms of this clause will determine the parties’ positions if the event in question occurs. In the absence of an express allocation of the risk, the frustration doctrine is a residual doctrine that governs when such frustrating events intervene, without the fault of either party. These frustrating events relate to impossibility, illegality or frustration of the common purpose of both parties. This chapter examines the legal basis of the frustration doctrine, when it applies, when it does not apply and the legal consequences of frustration on the parties’ positions. Frustration automatically terminates the contract for the future and, where it applies, the provisions of the Law Reform (Frustrated Contracts) Act 1943 govern the parties’ pre-existing legal position.

scholarly journals PENYEBAB TERJADINYA TINDAKAN MAIN HAKIM SENDIRI ATAU EIGENRICHTING YANG MENGAKIBATKAN KEMATIAN (CONTOH KASUS PEMBAKARAN PELAKU PENCURIAN MOTOR DENGAN KEKERASAN DI PONDOK AREN TANGERANG)

2018 ◽  
Vol 1 (1) ◽  
pp. 809
Author(s):  
Chandro Panjaitan ◽  
Firman Wijaya
Keyword(s):  
Criminal Code ◽  
Research Data ◽  
The Other ◽  
Positive Opinion ◽  
Main Research ◽  
Emotional Factors ◽  
Other Hand ◽  
The Future ◽  
The Law

Cases of vigilante action are committed by a group of persons are not justified in the law. Those are cases which is unlawful, immoral, irresponsible and does not have an attitude that respects the law.Vigilante cases should have been reported to the authorities and the perpetrator should be punished in accordance to the existing law and regulations. There is no apparent regulations regarding the act of vigilante, instead there are some articles in Indonesian’s Criminal Code which can be used against the perpetrators. In this case Article 170 and 351 of Indonesian’s Criminal Code somehow has been used to deal with vigilante cases. It is important to learn what are the factors of the vigilante case in PondokAren, Tangerang which will be the main research in this thesis and also the prevention that should be done in order to avoid the same incident in the future. The research data shows that the factors behind perpetrators being vigilante is based on emotional factors, the lack of trust in the law and situation factor. On the other hand to prevent further case in the future the authorities need to improve their work from several aspects. Thus, creating a positive opinion on public.

Sign in / Sign up

Export Citation Format

Share Document