AKAD FINANCING OF MURABAHAH BETWEEN CUSTOMERS WITH MUAMALAT BANKS HARKAT VIEWED FROM SHARI'AH PRINCIPLES

2020 ◽  
Vol 10 (1) ◽  
pp. 13-26
Author(s):  
Candra Irawan ◽  
Adi Bastian ◽  
Febrozi Rohadi
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Research Method ◽  
Economic Condition ◽  
Field Research ◽  
Comprehensive Analysis ◽  
Islamic Banks ◽  
Legal Research ◽  
Trading System ◽  
Library Research

Currently in Indonesia Islamic Bank has gained a place and interested in the community, causing many emerging Syari'ah Bank and Financial Institutions of the syari'ah, and products in Islamic banks are widely used is murabahah financing. The formulation of the problem in this research are: (1). How is the implementation of the sale and purchase through murabahah financing between Bank Muamalat Harkat with customers. (2). Is trading system murabahah financing between Bank Muamalat Harkat and customers have been according to the principles of Syari’ah. (3). How murabahah financing efforts to resolve the breach between the customer and Muamalat Harkat. This research method is empirical legal research, this study was conducted in Bank Muamalat Harkat based data collection through field research such as interviews, observation and description as well as information from respondents through library research. The results of this research are: before an agreement Bank to assess carefully the prospective customer in the form of a comprehensive analysis and is divided into several stages, such as the assessment using the principle of 5C Character (Character of the debitor), Chapacity (Capability Candidate Debitor) , Capital (Capital candidate Debitor), Collateral (Collateral candidate Debitor) and Condition of economy (economic condition of the prospective Borrower). Trading system murabahah financing between Bank Muamalat Harkat with the customer has not fully based on the principles of the Syari'ah. Murabahah financing efforts to resolve the defaults can be solved by R3 is Restrukturing (Arrangement Back), Reconditioning (Terms Back) and Rescheduling (rescheduling), sales collateral and auction execution. 

scholarly journals Kesesuaian Fatwa DSN MUI No. 4 Tahun 2000 Pada Pembiayaan Murabahah di Bank Syariah Mandiri KCP Padang Panjang

2020 ◽  
Vol 4 (2) ◽  
pp. 208
Author(s):  
Rahmat Firdaus ◽  
Melisantri Okvita
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Qualitative Method ◽  
Field Research ◽  
Research Field ◽  
Islamic Banks ◽  
Library Research

<p><em>The purpose of this research is to find out and to analyze the implementation of murabahah financing at Bank Syariah Mandiri KCP Padang Panjang its conformity with the DSN MUI Fatwa Number four of two thousand. This type of research is field research field research and library research research. The research method used is a qualitative method. Data collection techniques are observation, interview and documentation. The results of this study indicate that in the general provisions of Islamic banks that the bank buys the goods needed only on behalf of the bank itself and the purchase must be separate and have personal limitations. However, in practice, it is found that the bank provides money to customers to buy one of the items needed on behalf of the bank using an installment system based on the amount and time determined by the bank. in is allowed by the clerics on the condition that the bank authorizes the customer to buy goods under the murabahah bil wakalah contract. However, according to the author's opinion, there is no conformity of the DSN-MUI fatwa regarding murabahah with its</em><em> practice at Bank Syariah Mandiri KCP Padang Panjang.</em></p><p><em><br /></em></p><p>Tujuan dalam penelitian ini adalah untuk mengetahui dan menganalisis pelaksanaan pembiayaan murabahah pada Bank Syariah Mandiri KCP Padang Panjang kesesuaiannya dengan Fatwa DSN MUI No. 4 Tahun 2000. Jenis penelitian adalah penelitian lapangan <em>field research</em>. Metode penelitian yang digunakan adalah metode penelitian kualitatif. Teknik pengumpulan data adalah observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwasannya dalam ketentuan umum fatwa murabahah di bank syariah yaitu bank membeli barang yang dibutuhkan nasabah atas nama bank sendiri dan pembelian harus sah dan bebas riba. Akan tetapi pada prakteknya dilapangan adalah bank memberikan uang kepada nasabah untuk membeli salah satu barang yang dibutuhkan atas nama bank dengan sistem angsuran berdasarkan jumlah dan waktu yang telah ditetapkan oleh bank. Hal ini dibolehkan oleh ulama dengan ketentuan pihak bank menguasakan kepada nasabah untuk membeli barang dengan akad <em>murabahah bil wakalah</em>.</p>

scholarly journals Aktivitas Pemberian Kredit Pada Bank Nagari Cabang Painan

2021 ◽  
Author(s):  
Roza Islami Putri ◽  
Ratna Widayati
Keyword(s):  
Data Collection ◽  
Financial Performance ◽  
Research Method ◽  
Field Research ◽  
Library Research ◽  
Credit Contracts ◽  
Credit Analysis

The purpose of this study was to find out how to provide credit at Bank Nagari Cabang Painan. The research method of data collection uses two methods, namely library research and field research. The results of this study are the implementation of lending at Bank Nagari Cabang Painan in accordance with established procedures, starting from credit applications, credit analysis, recommendations, credit decisions, signing credit contracts, credit realization and credit supervision. The development of credit at the Bank Nagari Cabang Painan has increased every year this is due to the excellent financial performance of the Bank Nagari Cabang Painan.

scholarly journals Perlindungan Hukum kepada Pekerja Outsourcing Tentang Upah (Studi Pada PT. Caterison)

2021 ◽  
Vol 10 (3) ◽  
pp. 631
Author(s):  
Deviera Dika Putri Harlapan ◽  
I Made Sarjana
Keyword(s):  
Research Method ◽  
Descriptive Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Legal Research ◽  
Legal Concept ◽  
Analysis Techniques ◽  
Legal Relationship ◽  
Library Research

Protection of workers with the existence of the Manpower Act is expected to reduce or even eliminate treatment that is considered unfair which is generally carried out by employers to workers. The existence of a Manpower Act which is the legal umbrella for workers which includes wage protection. Writing this journal aims to find out and elaborate more deeply on the legal relationship between outsourcing workers and companies that use outsourcing services and to seek efforts to resolve cases at PT. Caterison. The method used in writing the journal is an empirical legal research method, in this case the Manpower Act with the facts that occurred at PT. Caterison deals with outsourcing workers who are not entitled to payment of their wages. The types of approaches used are the statutory approach, the case approach, and the legal concept analysis approach. The data used are primary data obtained directly from field research and secondary data sourced from library research. In data collection techniques, using descriptive analysis techniques. PT. Caterison as an outsourcing service user signed an agreement and made an agreement with an outsourcing service provider company with the aim of filling some parts of the work within the company. The case began when outsource worker who carried out his duties at PT. Caterison felt he was not entitled to his wages for three consecutive months. This becomes necessary to be resolved because the issue of wages is a sensitive matter. Perlindungan terhadap pekerja dengan adanya Undang-Undang Ketenagakerjaan diharapkan mampu mengurangi atau bahkan menghilangkan perlakuan yang dinilai tidak adil yang umumnya dilakukan oleh pengusaha kepada pekerja. Adanya Undang-Undang Ketenagakerjaan yang menjadi payung hukum untuk pekerja yang didalamnya termasuk ke dalam perlindungan upah. Penulisan jurnal ini bertujuan untuk mengetahui serta mengelaborasi lebih dalam mengenai hubungan hukum antara pekerja outsorcing dengan perusahaan yang menggunakan jasa outsorcing dan untuk mencari upaya penyelesaian kasus yang terdapat pada PT. Caterison. Metode yang digunakan dalam penulisan jurnal yakni metode penelitian hukum empiris, dalam hal ini Undang-Undang Ketenagakerjaan dengan fakta yang terjadi pada PT. Caterison berkenaan dengan pekerja outsorcing yang tidak mendapatkan hak atas pembayaran upahnya. Jenis pendekatan yang digunakan yakni, pendekatan perundang-undangan, pendekatan kasus, serta pendekatan analisis konsep hukum. Dalam penggunaan sumber data, data yang digunakan yakni data primer yang didapatan langsung dari penelitian lapangan dan data sekunder yang bersumber dari penelitian kepustakaan. Dalam teknik pengumpulan data, menggunakan teknik analisis deskripsi. PT. Caterison sebagai pengguna jasa outsourcing menandatangani perjanjian serta membuat kesepakatan dengan perusahaan penyedia jasa outsourcing dengan tujuan mengisi beberapa bagian pekerjaan dalam perusahaan namun bukan pada pekerjaan inti. Kasus bermula ketika pekerja outsourcing yang menjalankan tugasnya pada PT. Caterison merasa tidak mendapatkan hak atas upah nya selama tiga bulan berturut-turutHal ini menjadi perlu untuk diselesaikan dikarenakan permasalahan upah adalah hal yang sensitif.

scholarly journals Tabungan Emas dalam Tinjauan Hukum Islam (Studi Kasus di Pegadaian Syariah Cabang Pinrang)

2020 ◽  
Vol 1 (4) ◽  
pp. 673-691
Author(s):  
Khaerul Aqbar ◽  
Aswar Aswar ◽  
Muh. Sepriadi
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Islamic Law ◽  
Field Research ◽  
Research Library ◽  
Research Approach ◽  
Research Results ◽  
Library Research ◽  
Qualitative Descriptive ◽  
Security Price

This study aims to determine the practice of product contracts and a review of Islamic law on gold savings products in Sharia pawnshops. The research method used a field research approach (filed reaserch) which was qualitative descriptive, and data collection was obtained through observation, interviews and library research (library reaserch), and the research locus was carried out at the Pinrang Syariah Pegadaian Branch. The research results found that; First, regarding the practice, the Pinrang Branch of the Sharia Pegadaian provides many facilities for customers who want to start investing in gold. In addition, Pegadaian Syariah also offers products in the form of Gold Savings, which is a gold buying and selling service with deposit facilities. As for the process of liquidating (selling) gold, it is carried out in two ways, namely by reselling it if the customer wants cash and printing if the customer wants it in the form of gold bullion. Second, the Gold Savings scheme in Sharia Pawnshops is a problematic contract because one of the contracts has an element of usury, to be precise in the murabahah contract, where scholars have different opinions about its abilities. Jumhur ulama agree on the prohibition (because some scholars from syafi'iyyah and malikiyyah argue that gold is included as ṡaman (price, means of payment, money) which cannot be exchanged in installments, because it causes usury and must be done in cash at the time of the contract. Third, DSN MUI and other contemporary scholars consider that the sale and purchase of gold / murabahah gold is permissible both in cash and credit as long as they are not intended as security (price) but sil'ah (goods).

scholarly journals HUBUNGAN TINGKAT KEDISIPLINAN SISWA DENGAN PRESTASI BELAJAR PADA MATA PELAJARAN PKn KELAS VIII DI SMP NEGERI SATU ATAP 1 CIPAKU

2020 ◽  
Vol 5 (2) ◽  
pp. 241-249
Author(s):  
Dudang Suryanto ◽  
Endang Endang
Keyword(s):  
Student Achievement ◽  
Data Collection ◽  
Research Methods ◽  
Research Method ◽  
Theoretical Foundation ◽  
Field Research ◽  
Instructional Media ◽  
Library Research ◽  
Interview Guide ◽  
Reading Interest

Method of Discussion and Instructional Media has a very big role in shaping an entire process This is nothing else because through the Method of Discussion and Instructional Media can gain knowledge and through knowledge also humans will be able to do good. The main problem in this study is the extent to which the Effects of Discussion Methods and Instructional Media on Student Achievement in PKN Subjects in Class X of SMA Muhammadiyah Pangandaran. While the method that the author uses in this study is the field research method (field research) in order to find out students' reading interest which is supported by library research methods in order to have a strong theoretical foundation. Therefore, the data collection tools used were in the form of questionnaires, observation sheets and interview guide sheets. Keywords: Educative, Discussion, Interview   ABSTRAK Metode Diskusi dan Media Instruksional Edukatif memiliki peranan yang sangat besar dalam membentuk suatu seluruh proses Hal ini tidak lain karena melalui Metode Diskusi dan Media Instruksional Edukatif dapat memperoleh pengetahuan dan melalui pengetahuan pula manusia akan mampu untuk berbuat kebaikan. Masalah pokok dalam penelitian ini adalah sejauh mana Pengaruh Metode Diskusi dan Media Instruksional Edukatif Terhadap Prestasi siswa Pada Mata Pelajaran PKN di Kelas X SMA Muhammadiyah Pangandaran. Sedangkan metode yang penulis gunakan dalam penelitian ini adalah metode penelitian lapangan (field research) dalam rangka mengetahui minat baca siswa yang ditopang dengan metode penelitian pustaka (library research) agar memiliki landasan teoretis yang kuat. Karenanya, alat pengumpulan data yang digunakan berupa angket, lembar observasi dan lembar pedoman wawancara. Kunci  : Edukatif, Diskusi, Wawancara

scholarly journals ANALISIS STRATEGI MARKETING LAYANAN PAYROLL (Studi Kasus Bank BNI Syariah KCP Jababeka-Cikarang)

2021 ◽  
Vol 6 (01) ◽  
pp. 65-76
Author(s):  
Riski Ardianto ◽  
Listian Achmad ◽  
Ria Kurniawati
Keyword(s):  
Data Collection ◽  
Financial Management ◽  
Field Research ◽  
Research Process ◽  
Research Field ◽  
Management Service ◽  
Islamic Banks ◽  
Product Price ◽  
Market Strategy ◽  
Library Research

In recent years, Islamic banking has experienced positive developments. With a situation like this, conventional banking will face new competition with the presence of Islamic banks. The competition is in its products, one of which is a payroll service product that can help a companies or institutes pay its employees en masse and efficiently at one time. At this time not only conventional banks have payroll service products, Islamic banks also have payroll service products that can meet the needs of companies or institutes in managing finances whose operating processes are adjusted to Islamic sharia principles.   This study aims to determine the marketing strategies implemented in BNI Syariah, know the concept of the system of marketing payroll service product in BNI Syariah KCP Jababeka-Cikarang and find out obstacles faced by BNI Syariah in implementing the marketing the market strategy of its products. This study uses a qualitative approach, namely field research and library research. Field research, namely data collection techniques with the method of observation, interviews and documentation with marketing staff and customers of BNI Syariah KCP Jababeka-Cikarang so as to get accurate data in the research process. And library research, namely data collection techniques using written sources. Through interviews and observation it can be seen that the marketing strategy carried out by BNI Syariah KCP Jababeka-Cikarang in marketing their Payroll Service products is by using the Marketing Mix 7P (Product, Price, Place, Promotion, People, Process, Physical Evidance), and the concepts applied in its marketing in the form of needs, wants, demands, products, value, costs, satisfaction, exchange and markets. And the type of payroll system used is BNIDirect which is one of a number of financial management service provided by BNI Syariah KCP Jababeka-Cikarang.

scholarly journals Aspek Hukum Lembaga Paksa Badan Terkait Penahanan terhadap Debitur Pailit

2019 ◽  
Vol 1 (1) ◽  
pp. 89-99
Author(s):  
Bismar Parlindungan Siregar ◽  
Budiman Ginting ◽  
Jusmadi Sikumbang ◽  
M. Citra Ramadhan
Keyword(s):  
Human Rights ◽  
Data Collection ◽  
Research Method ◽  
Field Research ◽  
Bankruptcy Law ◽  
Positive Law ◽  
Library Research ◽  
The Supreme Court ◽  
Criminal Procedure Law ◽  
Collection Methods

The purpose of this study is to look at how regulations regarding forced agency (gijzeling / hostage-taking) based on Articles 209 to 224 HIR and Articles 242 to 258 R.Bg, are things that are contrary to human rights and other related regulations. Normative Juridical Approach, namely research focused on studying the application or rules or norms in positive law. There are 2 (two) data collection methods, namely the library research method and the field research method. The results and discussion through the process of developing regulations that apply to forced agency (gijzeling), at this time, this has been revived with the enactment of the Supreme Court Regulation (PERMA) No. 1 of 2000 concerning Forced Institutions, and has been absorbed by the bankruptcy law itself. The issuance of this regulation created the birth of a situation regarding the regulation of the problem of detention of a debtor in Indonesia, which in general has been regulated in Law No. 8 of 1981 concerning Criminal Procedure Law, it is necessary to have restrictions such as what to implement these two regulations, so that it becomes a differentiator in its enforcement.

scholarly journals Kewenangan Pemeriksaan Badan Pemeriksa Keuangan atas Badan Usaha Milik Negara

2018 ◽  
Vol 14 (1) ◽  
pp. 40-50
Author(s):  
Cahyo Anggoro
Keyword(s):  
Data Collection ◽  
Research Method ◽  
The State ◽  
Legal Research ◽  
Library Research ◽  
State Finance ◽  
Financial Audit ◽  
Performance Audit ◽  
Audit Performance

Audit Board of Indonesia (BPK) performs audits on the management and accountability of state finances, including those implemented by State Owned Enterprises (SOE). This study aims to see the synchronization of various regulations related to the authority of BPK in conducting SOE audit, as well as audit practices conducted by BPK on SOEs in the period of 20012-2017. This research is conducted by using normative legal research method. Data collection is done through library research by perform a search regulations, scientific books, and other data relevant to the study. Based on the results of the analysis it is known that first, the Acts regulating the state finance, state financial audit, BPK and SOE have been in sync with each other related to the BPK audit of SOEs. BPK audit of SOEs is the authority of BPK's attribution derived from the 1945 Constitution and further regulated in Acts. Second, the implementation of BUMN audits by BPK period 2012-2017 is conduct with three types of audit, namely financial audit, performance audit and  a specific purpose audit on state-owned companies in the form of Persero and Perum.

PENERAPAN GREEN COMPUTING PADA KUISIONER INSTRUMEN PENILAIAN KINERJA DOSEN DI POLITEKNIK NEGERI SUBANG

2020 ◽  
Vol 1 (1) ◽  
Author(s):  
Nunu Nugraha Purnawan
Keyword(s):  
Data Collection ◽  
Literature Review ◽  
Performance Assessment ◽  
Research Method ◽  
Field Research ◽  
Green Computing ◽  
Assessment Instrument ◽  
Computer Hardware ◽  
Model Free ◽  
Collection Methods

The lecturer's performance assessment by students in the form of an online Lecturer Performance Assessment Instrument Questionnaire (KIPKD) is in line with the work concepts of Green Computing by utilizing computer hardware and software better, more efficiently and more useful. KIPKD online POLSUB uses Google Forms, because it has an attractive and responsive look, provides a fairly complete choice of stuffing model, free, the results are neatly arranged and can be analyzed easily. This research method uses literature review in the form of books, journals that discuss about topics related to the use of Google Forms as a medium in the manufacture of questionnaires for surveys and data collection, as well as related to the concept of Green Computing. While data collection methods used in field research by way of observation of the system running in the academic POLSUB. The use of KIPKD online illustrates that POLSUB participates in preserving the environment, with no 12 paper/year rims, equivalent to 12 tree trunks.

Pendidikan Karakter Profetik dalam Sirah Nabawiyah (Telaah Kitab al-Râhiq al-Makhtûm Karya Shafiy al-Rahmân al-Mubârakfuri)

2018 ◽  
Vol 6 (2) ◽  
pp. 147 ◽  
Author(s):  
Ahmad Syahid ◽  
H. Husni
Keyword(s):  
Content Analysis ◽  
Data Collection ◽  
Character Education ◽  
Research Method ◽  
Analysis Data ◽  
Educational Goals ◽  
Research Approach ◽  
Analysis Method ◽  
Library Research ◽  
History Of

This study aims to analyze the character values ​​in Sirah Nabawiyah Ar-Rahiq Al-Makhtum by Syafiyyurrahman al-Mubarakfuri, so that it is revealed how the character education of the Prophet Muhammad. and analyze its relevance to current educational goals. The research method used is library research, the type of research approach is deductive and the analysis method is content analysis. Data collection techniques used were library techniques. This research succeeded in proving that prophetic values ​​based on the history of the Prophet Muhammad have a strong relevance to the concept of contemporary character education. Prophetic values ​​loaded with character education in this era, especially related to religiosity, honesty, tolerance, discipline, hard work, creative, independent, democracy, curiosity, national spirit, love of the motherland, respect for achievement, friendship, love for peace , likes to read, care about the environment, care about social, and responsibility.

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