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All Journal Dusturiah : Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial PETITA: Jurnal Kajian Ilmu Hukum dan Syariah (PJKIHdS) SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-undangan dan Pranata Sosial Jurnal el-Qanuniy: Jurnal Ilmu-Ilmu Kesyariahan dan Pranata Sosial El-Usrah: Jurnal Hukum Keluarga El-Faqih : Jurnal Pemikiran dan Hukum Islam Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan Al-Ahwal Al-Syakhsiyyah: Jurnal Hukum Keluarga dan Peradilan Islam MAQASIDI Supremasi Hukum: Jurnal Kajian Ilmu Hukum Qonun Jurnal Hukum Islam dan Perundang-Undangan El-Hadhanah: Indonesian Journal Of Family Law And Islamic Law Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah AHKAM : Jurnal Hukum Islam dan Humaniora Al-Rasikh : Jurnal Hukum Islam Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan JURISTA : Jurnal Hukum dan Keadilan Quru’: Journal of Family Law and Culture Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Al-Mudharabah Al-battar: Jurnal Pamungkas Hukum An-nisa: Journal of Islamic Family Law Al Fuadiy: Jurnal Hukum Keluarga Islam
Aulil Amri
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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ANALYSIS OF THE LEGIBILITY OF MURABAḤAH WAKALAH FINANCING PRACTICES AT PT. ACEH SHARIA BANK KCP DIPONEGORO Aulil Amri; Linda Linda
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 3 No 2 (2022): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (316.065 KB) | DOI: 10.22373/iqtishadiah.v3i2.2354

Abstract

Murabaḥah financing is one of the most popular products in Islamic banking. Murabaḥah is defined as the activity of selling an item by confirming the purchase price to the buyer, the buyer pays a higher price than the previous price to make a profit. It can be seen that the essence of murabaḥah is that the bank provides non-money goods, where the bank should buy the goods needed by the customer and then sell them back to the customer at the selling price plus a profit. However, in practice the bank cannot do its own work, that is, it cannot provide the goods required by the customer; rather, the bank only provides funds for the purchase of the goods required through a wakalah contract with the customer in question. This study aims to find answers to the main issues, namely: how is the Fiqh Muamalah review of the practice of murabaḥah wakalah at PT. Bank Aceh Syariah KCP Diponegoro, what is the legitimacy of the practice of murabaḥah wakalah financing according to the DSN MUI fatwa and what is the mechanism for murabaḥah wakalah financing at PT. Bank Aceh Syariah KCP Diponegoro. The type that the author uses in this study is a descriptive analysis method. The data collection method in this study was data obtained from field research through interviews with the parties involved and taking references from a literature review. The results of this study show that there are still sharia principles, the pillars of murabaḥah which are not in accordance with fiqh muamalah and DSN MUI fatwa rules, where in the application of murabaḥah bil wakalah contracts at Bank Aceh Syariah KCP Diponegoro more often use murabaḥah and wakalah contracts in one contract. whereas in theory, the implementation of the wakalah contract must be carried out before the murabaḥah contract is carried out.
PERHITUNGAN KLAIM JAMINAN HARI TUA PADA BPJS DALAM PERSPEKTIF AKAD KAFALAH Aulil Amri; Nurma Yunita
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2023): Jurnal Al-Iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v4i1.2875

Abstract

The Old Age Guarantee Program (JHT) is one of the BPJS programs. JHT has a benefit value that can be claimed by former employees. In practice, the calculation of JHT claims must be in accordance with the BPJS policy. When viewed from Islamic law, the guarantee is called kafalah. However, in the kafalah contract, the calculation of JHT claims and the value of the benefits has gaps that are not in accordance with Islamic law. This thesis is focused on answering three important things, 1) How is the calculation on the BPJS policy regarding JHT for PT IMARA employees. 2) What are the benefits received by former employees of PT IMARA on JHT claims. 3) What is the perspective of the kafalah contract on the calculation of claims and the value of JHT benefits for employees at BPJS PT IMARA. This research is a qualitative research that is descriptive analysis with a sociological normative approach, where the data obtained comes from observations and interviews. The results of the study show that, first, the calculation of old age security claims is a combination of the basic salary and fixed allowances reported by PT IMARA to BPJS Ketenagakerjaan. The amount of JHT contributions for participants receiving wages is 5.7% of income, with details of 3.7% being borne by the company and 2% being borne by the employee himself which is deducted from the salary. Second, the benefits of JHT are in the form of cash, the amount of which is the accumulated value of the contributions plus the results of the development. Third, the calculation of JHT claims and JHT benefits in the perspective of the kafalah contract that is applied to PT IMARA when viewed from the pillars of kafalah is in accordance with the Shari'a. However, under the terms of the kafalah contract, this is contrary to the Shari'a because the contributions of BPJS participants are developed by placing them in several portfolios, including conventional bank deposits or bonds based on interest loans. In the development of claims there is also a 5% interest where the interest follows the BI Rate system.
Determination Of Child Care Rights Between Birthday Parents And Adopting Parents Misran Misran; Aulil Amri; Nur Fatin Adila Binti Idereh
El-Hadhanah : Indonesian Journal Of Family Law And Islamic Law Vol 3 No 2 (2023): El-Hadhanah: Indonesian Journal of Family Law and Islamic Law
Publisher : Prodi Hukum Keluarga Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/hadhanah.v3i2.2750

Abstract

Adoption of children is regulated in the Deed of Registration of Appointment 1952 (Deed 253) for Muslims and non-Muslims and the Deed of Adoption 1952 (Deed 257) for non-Muslims. Among the cases involving the struggle for custody is the one that occurred at the Pahang Sharia High Court, in which the judge handed over a child to his biological parents while the child had been registered under the Deed of Registration of Appointment 1952 (Deed 253). Then, in the case at the Selangor High Court, the judge handed over custody rights to the adoptive parents while the adoption registration was invalid. There are two formulations of the problem in this thesis. Firstly, what are the considerations of the Pahang Sharia High Court judges in determining child custody between biological parents and adoptive parents? Second, what are the considerations of the judges of the Selangor High Court in determining child custody between biological parents and adoptive parents? This research uses the juridical-normative method and case studies. Data collection is also done with literature and documentation. The results of the study show that first, the consideration of the judges of the Pahang Sharia High Court in determining child custody of their biological parents is because the judge looks at their efforts to get their child back and they have full rights to the child. Second, the consideration of the judge of the Selangor High Court in determining child custody of the adoptive parents is important because the judge stated that the main thing is what is best for the child, and the child's biological parents also have several obstacles to looking after the child. Custody is closely related to the interests of the child and the guardians, if there is an imbalance in custody, then the rights and interests of the child need to take precedence over the interests of the guardians.
CHILDFREE AND ITS RELEVANCE TO 'AZL FROM THE PERSPECTIVE OF TAQIYUDDIN AN-NABHANI Fakhrurrazi M. Yunus; Siti Nurliyana; Azka Amalia Jihad; Aulil Amri; Saifullah M. Yunus
PETITA: JURNAL KAJIAN ILMU HUKUM DAN SYARIAH Vol 8 No 2 (2023)
Publisher : LKKI Fakultas Syariah dan Hukum Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/petita.v8i2.235

Abstract

One of the goals of marriage in Islam is to ensure the continuity of someone’s bloodline. However, recently, a new trend has emerged where married couples agree to live without offspring in their household, which, in essence, is contrary to the purpose of marriage itself. The trend to live without children is also called childfree. Substance-wise, the childfree concept is related to 'azl because both concepts reject a child's existence before any potential for having the child exists. In relation to these contemporary issues, Taqiyuddin an-Nabhani's view on 'azl in his book an-Nizham al-Ijtima' fi al-Islam, is still highly relevant to be used as a focal point for any discussion on such issues. Accordingly, this study aims to examine Taqiyuddin An-Nabhani's views on the legal status of 'azl and its relevance to the current childfree concept. This study is a library research study which relies on a historical approach and utilizes some primary data from the book an-Nizham al-Ijtima' fi al-Islam and other books of hadith. The secondary data sources were obtained from other books, journals, previous research, and digital media. Data were analyzed using qualitative analysis techniques. Based on Taqiyuddin An-Nabhani's view, couples who practice 'azl are allowed to use non-permanent contraceptives in an effort to temporarily prevent pregnancy. Meanwhile, the use of permanent contraceptives to prevent pregnancy, such as tubectomy or vasectomy or the use of other means that can cause permanent infertility is haram (forbidden). These should not be used because they are a form of castration. The relevance between 'azl and childfree lies only in denying the existence of children before they potentially form. If childfree is used to delay having children, then its legal status becomes permissible in line with the ruling of 'azl. However, the practice of childfree where a couple would use permanent contraceptives is catagorized as tabattul, which is unlawful because they clearly aim to stop the continuation of human existence. Abstrak: Tujuan dari pernikahan dalam Islam salah satunya adalah untuk melestarikan keturunan. Namun, belakangan ini muncul pemikiran baru untuk hidup tanpa menghadirkan keturunan dalam rumah tangga, yang pada hakikatnya hal ini bertentangan dengan tujuan perkawinan. Pilihan hidup tanpa anak itu disebut juga dengan childfree. Jika dilihat secara substansi, childfree berkaitan dengan ‘azl, karena sama-sama menolak wujudnya anak sebelum potensial wujud. Menanggapi permasalahan kontemporer tersebut, pandangan Taqiyuddin an-nabhani terhadap ‘azl dalam kitabnya an-Nizham al-Ijtima’ fi al-Islam, masih sangat relevan untuk dikaitkan dengan permasalahan childfree ini. Maka berdasarkan uraian tersebut, penelitian ini bertujuan untuk mengetahui pandangan Taqiyuddin An-Nabhani terhadap hukum ‘azl dan mengkaji relevansi childfree dengan hukum ‘azl berdasarkan pandangan Taqiyuddin An Nabhani. Penelitian ini merupakan jenis penelitian kepustakaan dengan menggunakan pendekatan histori. Penelitian ini menggunakan sumber data primer yang diperoleh dari kitab an-Nizham al-Ijtima’ fi al-Islam dan kitab hadits lainnya. Untuk sumber data sekunder diperoleh dari buku-buku, jurnal-jurnal, dan penelitian terdahulu serta media internet. Data dianalisis dengan teknik analisis kualitatif. Hasil penelitian menunjukkan bahwa berdasarkan pandangan Taqiyuddin An-Nabhani, hukum ‘azl dapat diterapkan pada penggunaan alat-alat kontrasepsi non-permanen untuk mencegah kehamilan secara sementara. Sedangkan pencegahan kehamilan yang bersifat permanen seperti tubektomi atau vasektomi, dan upaya lainnya yang dapat menimbulkan kemandulan permanen, adalah haram. Ini tidak boleh dilakukan karena termasuk salah satu jenis pengebirian. Relevansi antara ‘azl dan childfree hanya terletak pada substansi sama-sama menolak adanya anak sebelum potensial wujud. childfree yang dengan tujuan menunda untuk memiliki keturunan, hukumnya boleh sebagaimana hukum ‘azl. Sedangkan childfree yang menggunakan alat kontrasepsi permanen, maka termasuk dalam tabattul dan hukumnya adalah haram, karena tujuan dari keduanya dapat menghentikan proses keberlangsungan umat manusia. Kata Kunci: Hidup Tanpa Anak, ‘Azl, Taqiyuddin An-Nabhani
Hukum Terhadap Hibah Harta Bersama Kepada Anak Hasil Nikah Siri Aulil Amri; Tajul Iflah
El-Hadhanah : Indonesian Journal Of Family Law And Islamic Law Vol 2 No 1 (2022): El-Hadhanah: Indonesian Journal Of Family Law And Islamic Law
Publisher : Prodi Hukum Keluarga Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/hadhanah.v2i1.1675

Abstract

This article is motivated by the case at the Syar'iyah Court of Banda Aceh in Decision Number 283/Pdt.G/2019/Ms.Bna regarding grants originating from joint assets given to children from unregistered marriages. Even though the property is a joint property between a legal husband and wife obtained during the marriage period with a legal wife, in the property there is still part of the rights of the legal wife or first wife. However, the husband and wife donate the property to the child of the siri marriage without having the permission of the first wife. Therefore, researchers are interested in examining how the fiqh provisions relate to grants of joint property to children resulting from unregistered marriages, why the Panel of Judges of the Banda Aceh Syar'iyah Court rejected the plaintiff's lawsuit against the cancellation of joint property grants to children resulting from unregistered marriages, and what is the basis for the legal considerations. The research methods used are field research and library research. The results of the study state that the provisions in fiqh on the grant of joint property to children resulting from unregistered marriages are valid if there is permission from both parties who own the joint property. If a joint property grant is given to a child resulting from an unregistered marriage without permission from one of the donors, then the grant is invalid, because the condition for the property to be donated must be mil kultam, that is own property may not donate other people's property. The panel of judges at the Banda Aceh Syar'iyah Court rejected the plaintiff's claim against the cancellation of the joint property grant to a child resulting from an unregistered marriage in decision number 283/Pdt.G/2019/Ms.Bna because the case contained a formal defect in which the plaintiff occupied a minor. In Defendant III, minors do not have legal standing as litigants, that is, they do not have legal standing. Therefore, the judge could not accept the case. The plaintiff may re-file a lawsuit for the cancellation of the joint property grant (a new lawsuit) by not placing a minor as defendant III, only then can the judge process the case again.
Determination Of Child Care Rights Between Biological Parents And Adopting Parents Misran Misran; Aulil Amri; Nur Fatin Adila Binti Idereh
El-Hadhanah : Indonesian Journal Of Family Law And Islamic Law Vol 3 No 2 (2023): El-Hadhanah: Indonesian Journal of Family Law and Islamic Law
Publisher : Prodi Hukum Keluarga Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/hadhanah.v3i2.2750

Abstract

Adoption of children is regulated in the Deed of Registration of Appointment 1952 (Deed 253) for Muslims and non-Muslims and the Deed of Adoption 1952 (Deed 257) for non-Muslims. Among the cases involving the struggle for custody is the one that occurred at the Pahang Sharia High Court, in which the judge handed over a child to his biological parents while the child had been registered under the Deed of Registration of Appointment 1952 (Deed 253). Then, in the case at the Selangor High Court, the judge handed over custody rights to the adoptive parents while the adoption registration was invalid. There are two formulations of the problem in this thesis. Firstly, what are the considerations of the Pahang Sharia High Court judges in determining child custody between biological parents and adoptive parents? Second, what are the considerations of the judges of the Selangor High Court in determining child custody between biological parents and adoptive parents? This research uses the juridical-normative method and case studies. Data collection is also done with literature and documentation. The results of the study show that first, the consideration of the judges of the Pahang Sharia High Court in determining child custody of their biological parents is because the judge looks at their efforts to get their child back and they have full rights to the child. Second, the consideration of the judge of the Selangor High Court in determining child custody of the adoptive parents is important because the judge stated that the main thing is what is best for the child, and the child's biological parents also have several obstacles to looking after the child. Custody is closely related to the interests of the child and the guardians, if there is an imbalance in custody, then the rights and interests of the child need to take precedence over the interests of the guardians.
REVIEW OF ISLAMIC ECONOMIC LAW ON THE PRACTICE OF SAWERIA ON YOUTUBE Muhammad Hafid Siddiq; Muslim; Aulil Amri
JURISTA: Jurnal Hukum dan Keadilan Vol. 5 No. 2 (2021): JURISTA: Jurnal Hukum dan Keadilan
Publisher : Centre for Adat and Legal Studies of Aceh Province (CeFALSAP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/jurista.v5i2.13

Abstract

Website platforms can make it easier for people to give alms through their respective gedgets, one of which is Youtube, being one of the most accessed sites both as viewers and as content creators. Youtube has also produced many wealthy people through uploading videos, to cover the declining income, many content creators use crowdfunding so that they can get online donation income by listing donation links in the descriptions of the videos they make. Saweria is here as a crowdfunding website for fundraising and donating online which is being used by many YouTubers in their live streams on YouTube. The ease of using Saweria access can cause problems in the future if it is used incorrectly. The purpose of this research activity was to find out the aspects of Fiqh Muamalah to Saweria practice on YouTube, as well as to find out the ideal setting regarding Saweria practice on YouTube. This research method uses a descriptive method of analysis. This research uses an empirical approach by conducting research using field research and literature research. In crowdfunding transactions it is difficult to know whether the recipient of the funds is a person in the circumstances as described. So is the company profile whether fictitious or true. The opportunity for transactions that use non-identity is actually very possible, The opportunity for transactions that use non-identity identity is very possible. If so it is booked then the contract becomes invalid.
TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK SAWERIA DI YOUTUBE Muhammad Hafid Siddiq; Muslem Abdullah; Aulil Amri
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 3 No 2 (2022): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Platform Website dapat memudahkan masyarakat untuk bersedekah melalui gedget masing-masing, salah satunya seperti Youtube, menjadi salah situs yang paling banyak diakses baik sebagai penonton maupun sebagai content creator. Youtube juga telah banyak melahirkan orang-orang kaya lewat mengupload video, untuk menutupi pendapatan yang turun banyak para content creator menggunakan crowdfunding agar bisa mendapatkan pendapatan donasi online dengan mencatumkan link donasi di deskripsi video yang mereka buat. Saweria hadir sebagai website crowdfunding untuk penggalangan dana dan berdonasi secara online yang sedang banyak digunakan para YouTuber di live streaming mereka di YouTube. Mudahnya menggunakan akses Saweria bisa menimbulkan masalah juga kedepannya apabila salah digunakan. Tujuan dari kegiatan penelitian ini dilakukan adalah untuk mengetahui aspek Fiqh Muamalah terhadap praktik Saweria di YouTube, serta untuk mengetahui pengaturan ideal mengenai praktik Saweria di YouTube. Metode penelitian ini menggunakan metode deskriptif analisis. Penelitian ini menggunakan pendekatan empiris dengan melakukan penelitian menggunakan penelitian lapangan dan penelitian kepustakaan. Dalam transaksi crowdfunding sulit diketahui apakah penerima dana adalah orang dalam keadaan seperti yang digambarkan. Begitupula profil perusahaan apakah fiktif atau benar. Peluang adanya transaksi yang menggunakan identitas bukan identitas sebenarnya sangat dimungkinkan, Peluang adanya transaksi yang menggunakan identitas bukan identitas sebenarnya sangat dimungkinkan. Jika demikian terbuki maka akad menjadi tidak sah.
Batak Customary Marriage: A Study of the Prohibition of Same-Clan Marriage and Its Relevance in the Contemporary Era Solin, Siti Dian Natasya; Djawas, Mursyid; Amri, Aulil; Sugirman, Andi; Zubair, Asni
El-Usrah: Jurnal Hukum Keluarga Vol 7, No 1 (2024): EL-USRAH: Jurnal Hukum Keluarga
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ujhk.v7i1.23309

Abstract

This study discusses Batak customary marriage focusing on the prohibition of same-clan marriage and the practice of same-clan marriage in Batak custom. The main problem studied is the prohibition of intermarriage in Batak society from a fiqh perspective in relation to modern times. This study used a qualitative approach, i.e., a humanistic approach that places humans in research as the main subject in social events. The study was a type of field research, which involves direct observation and examination of facts in the research site, taking the data as primary sources. The findings of this study reveal that the concept of marriage in Batak custom is exogamy, which prohibits marriages between people of the same clan. In Batak custom, people of the same clan are blood relatives or descendants from the father’s line. Batak people who violate this customary law will be subject to customary sanctions. In the current context, the decline in customary values has been influenced by urbanization and higher education, which prioritize modern thinking over traditional one. Education provides certain values for humans, e.g., opening people’s minds, accepting new ideas, and thinking scientifically. Education teaches humans to be able to think objectively, which will give them the ability to assess whether or not their community’s culture can meet the needs of the times. Further, from the perspective of fiqh munakahat, not all family ties are forbidden to marry. Only those related to the provisions of muabbad (permanent prohibition) and ghairul muaabad (temporary prohibition) are prohibited. People from the same clan who have no kinship relationship are still lawful to marry.
PENGELOLAAN DANA MASYARAKAT OLEH BADAN PENYELENGGARAAN JAMINAN SOSIAL (BPJS) KESEHATAN: Tinjauan Konsep Asuransi Islam Terhadap Keberadaan Unsur Ribawi dan Garar Amri, Aulil; Iyasi, Minny
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2021): Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/iqtishadiah.v2i2.1408

Abstract

This study examines the Management of Public Funds by the Health Social Security Administration (BPJS) (Review of the Concept of Islamic Insurance Against the Existence of Riba and Garar Elements). The problem that will be studied in this research is how is the health management system for public funds (BPJS) and how is the health social fund management system (BPJS) for health, and how is the existence of ribawi and garar elements in the management of public funds at BPJS Kesehatan. In this study, the authors use qualitative research with field research methods by visiting the BPJS Health office and conducting observation and interview techniques, and library research methods by reviewing books, journals and other data that support this research. The conclusions in this study indicate that in the current management of BPJS Health, there are actually many that are in accordance with sharia principles such as the principle of mutual cooperation used by BPJS Health is the same as the ta'awun contract in sharia insurance. In terms of fund management, BPJS has made it clear about public funds by including the registration requirements as suggested by the MUI. Regarding the late penalty which was previously applied by BPJS Kesehatan as much as 2%, this has been abolished since 2016 with the issuance of Presidential Regulation No. 19 of 2016 concerning the Second Amendment to Presidential Regulation No. 12 of 2013. In 2020 President Joko Widodo stipulates Presidential Regulation number 64 of 2020. Article 42 states that BPJS Kesehatan does not apply a penalty system for late payment of contributions. However, regarding investment in public contributions, until now they still use conventional investments and deposit funds also use conventional banks which still contain usury.
Co-Authors Ade Khoirunnisa Agustin Hanapi Al Aziz Alrawasdeh, Ziyad Andi Sugirman, Andi Arifin Abdullah asni zubair Asra, Yusri Athira, Asla Azizah, Putri Azka Amalia Jihad Azmi, Alray Habib Badrul Munir Badrul Munir Benali, Fatima Zohra Bimawan, Henri Binti Idereh, Nur Fatin Adila Edi Darmawijaya Edi Darmawijaya Edi Yuhermansyah Fahri, Said Faisal Yahya Fakhrurrazi M. Yunus Fanisa, Hilda Fariqan Malhusna Fatya Zahra Siahaan Fithria, Nurul Fitri, Inayatul Genovés, Manuel Beltrán Hany Khairunnisa Kobat Hasnul Arifin Melayu Hayatusyifa, Noor Fadillah Ibrahim Adeyemi Adewumi Israr Hirdayadi Iyasi, Minny Jamhuri, Jamhuri JAMILAH Khairina Wati Lajaunie, Claire Linda Linda Liza, Firli Jundy Lizawati, Nur Maila Lidinia MALA HAYATI, MALA Maryam Thahira Masykar, Tabsyir Minny Iyasi Misran Ramli Mohammad Nasir, Nur Syahirah Binti Muhadi Khalidi Muhammad Abrar Muhammad Hafid Siddiq Muhammad Hafid Siddiq Muhammad Maulana Muna Utami Mursyid Djawas Muslem Abdullah Muslim Nabila Miswar Nada Adzkia Nadia, Varatun Naylul Muna, Suci Nazirah Sukma Neli Maryam Sanjung Nesi Alia Putri Nissa Azra Nabila Nova Rina Legsa Nur Fatin Adila Binti Idereh Nur Muhajirah Siagian Nurma Yunita Nurma Yunita, Nurma Nurul Afifah Nurul Fithria Putra Ramadan Qanita Raihan, Meuthia Ramadan, Putra Retno Arimbi Dewi Ricki Fadli Riski, Afdhala Rusliansyah, Shabrina Saifullah M. Yunus Saniah Amatillah Septia Nabila Siska Yani Siti Nurliyana Siti Samra Solin, Siti Dian Natasya Suarni Abdullah Suci Naylul Muna Sufrizal, Sufrizal Sumardi Efendi Syafitri, Anesia Syamsiar, Syamsiar Tajul Iflah Tajul Iflah, Tajul Tarmizi, Rahmat Trisna, Albirra Ulkhuluq, Nisa Utami, Muna Wati, Khairina Yati, Rahma Zulkhairi Zi, Fairuzi Zikry Rahmatillah