Implementasi Denda Pada Akad Murabahah Dalam Perspektif Ekonomi Syariah Di BMT Purwakarta Amanah Sejahtera (PAS)

Murabaah payments can be made in cash and installments. However, often in the installment process, banks are faced with various problems, especially bad loans. The problem that often occurs in banking is customers who are able but deliberately delay their obligations to the bank. This has resulted in the possibility of the bank experiencing material and non-material losses. in sharia banks in accordance with the DSN-MUI fatwa No. 17 of 2000, if the customer intentionally delays payment for no apparent reason, the sharia financial institution has the right to impose a fine on him in accordance with the previously agreed upon agreement. The purpose of this study was to determine the system of fines on sharia financing products at BMT PAS and to determine the implementation of fines on murabahah contracts in a sharia economic perspective at BMT Purwakarta Amanah Sejahtera (PAS). This type of research is field research, the data is obtained in the field, meaning that it is direct research to obtain data from the facts that occur on the BMT PAS with a qualitative descriptive approach. The data collection technique is done by triangulation (combined), data analysis is a deductive method, namely a method that departs from general knowledge about a phenomenon (theory) and is based on general knowledge that wants to assess specific things. The results of this study indicate that the penalty system for sharia financing products at BMT PAS is by giving policies to members affected by fource majeur by freeing them to pay their financing installments. If it is found that the economic condition of the member is able to pay the debt but does not obey the installments, then the BMT PAS will impose sanctions on the member. If the analyzed member is really economically incapable, then the BMT PAS does not impose a fine or sanction on the member. The Penalty System for Sharia Financing Products at BMT PAS is in accordance with fatwa No. 17/DSN-MUI/IX/2000 concerning Sanctions for Able Customers Who Delay Payments. Because BMT PAS considers Fource majeur to be a disaster, BMT PAS will provide a solution to the member by being retrained if it cannot be fostered, then BMT PAS releases members from paying the installments and is considered to be a loss from BMT PAS. Likewise, the BMT PAS has applied fines to members who can afford it but delay payments. Sanctions in the form of fines are based on the principle of ta'zir, which aims to make customers more disciplined in carrying out their obligations. in allocating the BMT PAS fines, it also clarifies that the fines are used for social funds or community needs, both for compensation, disaster relief infrastructure and so on

MEASURES OF FIGHTING CORRUPTION IN THE LEGISLATURE OF FRANCE

The article is dedicated to profound analysis of the experience of France in fighting with the corruption in a private sector through the legal means. First of all, attention is drawn to the reasons why corruption in private sphere primarily affects the country’s economy adversely and why should it be tackled. Then, French Law on Transparency, Fighting Corruption and Modernizing Economic Life is analyzed, particularly, provisions securing anti-corruption policy in country. Hence, so-called Codes of conduct, that, is anti-corruption compliance programs are considered, taking into account some crucial constituents of them, especially, disciplinary rules, monitoring and penalty system. The system of legal measures in this respect proved to be advantageous for country together with the actions of the French Anti-Corruption Agency analyzed. Therefore, the ways to follow such experience in Ukraine are offered.

The Role of a Social Worker in Children Dragged Into Crime According to the Turkish Penalty System in the Digital World

Social work plays an important role in managing the process of planning, supervising, and ensuring the sustainability of protective and supportive measures applied to children who are dragged into crime and in need of protection in order to prevent incompatibilities that may arise in society. Social workers are actors in the field in the execution of the process. In this chapter, these practitioners who have made significant contributions to social work by giving reports and opinions about the measures taken by the courts about the children dragged into crime, determining the criminal tendencies of the children and the necessary precautions and training, are examined closely in the context of the Turkish legal system. The chapter includes the issues of judicial control, protective and supportive measures, preparation of a plan for the implementation of cautionary decisions, confidentiality, the role of the social worker and the social worker board for children who are dragged into crime and in need of protection.

Educative Penalty System as a Protection Implementation for Children who Commit Crime

Penalizing children who commit crime is actually intended for their-own sake. This kind of penalty has been created in such a way to suit the children. Therefore, the investigation carried out by the authorities before imposing the penalty should not eliminate the aspect of guidance and protection. The punishment formulations that give deterrent effect to those juvenile criminals should be the best effort through non-formal processes that have an optimal role to develop, such as families, schools, or social monitoring institutions. Namely: a). Informal warning; which involves the police to warn the children that they have done the wrong thing and make them not to do it again. There will not be any criminal minutes for this kind of punishment. b). Redeem mistakes with good deeds/ restitution: the children are asked to redeem their mistakes with good deeds, for example by paying compensation to the victim according to the children's capability. c). Community service: those children are ordered to do serve the community or fulfill certain tasks for several hours.