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Pengaruh Flypaper Effect Pada Dana Alokasi Umum dan Pendapatan Asli Daerah Terhadap Belanja Daerah Provinsi Lampung Tahun 2016-2019 dalam Perspektif Ekonomi Islam Herlina Kurniati; Yulistia Devi
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Many Regionals Government in Indonesia still rely on DAU allocations to finance regional expenditures and development without optimizing the potential of the regions. When DAU allocation obtained is large, the regions will try to keep DAU in the next period at the nominal value. PAD is able to finance local government at a maximum of 20%. This fact has led to asymmetrical behavior in local government. The regional government responds to the transfer of funds in the form of balancing funds, especially DAU which is realized in the regional budget. As regional spending is greater than the transfer, it is called the flypaper effect. The method used in this research is descriptive quantitative analysis method using panel data regression. The data analysis with regression uses the Eviews 9.0 program. The data used in this research use panel data with independent variables, namely General Allocation Fund (DAU) and Regional Original Revenue (PAD). The dependent variable is Regional Expenditure. The results of this study are: 1) General Allocation Funds have no effect on Regional Expenditures; 2) Regional Original Revenues affects Regional Expenditures; 3) General Allocation Funds and Regional Original Revenues simultaneously affect Regional Expenditures; 4) There is no Flypaper Effect in Regency/City Government of Lampung Province 2016-2019; 5) Regional Expenditures of Lampung Province is not compatible with the Islamic economic perspective.

ANALISIS KOMPARASI PEMBIAYAAN SYARI’AH DENGAN PEMBIAYAAN KONVENSIONAL Kurniati, Herlina
ASAS Vol. 11 No. 2 (2019): : Asas, Vol. 11, No. 02 Desember 2019
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v11i2.5602

Krisis ekonomi yang bermula terjadi pada sekitar tahun 1997 telah membawa bangsa dan Negara Indonesia ke dalam krisis ekonomi terutama dalam dunia perbankkan yang bersifat konvensional maupun perbankan syari’ah namun dampak krisis tersebut dalam perbankkan syari’ah tidak berpengaruh besar sebab perbankkan syari’ah berbasis sistem bagi hasil atau profit and loss sharing, sedangkan perbankan konvensional yang menggunakan prinsip bunga dimana suku bunga didasarkan atas keadaan ekonomi saat itu, sehingga permasalahan yang akan dibahas dalam penelitian ini adalah bagaimana perbedaan pembiayaan dalam perbankkan syari’ah mandiri dengan pembiayaan perbankkan mandiri konvensional? Metode penelitian yang digunakan dalam penelitian ini adalah penelitian lapangan (Field Research ) yaitu Bank Mandiri Syari’ah cabang Bandar Lampung, dan Bank Mandiri. BSM adalah bank syari’ah kedua setelah Bank Muamalat. Metode yang digunakan adalah analisis komparatif atau membandingkan antara perbankan syari’ah dan perbankan konvensianal dilihat dari segi pembiayaannya. Dalam menganalisis pembiayaan gunakan analisis kualitatif yang menggambarkan suatu hubungan atau pertimbangan antara jumblah tertentu dengan jumblah yang lain. Setelah melakukan penelitian dapat disimpulkan bahwa dalam pembiayaan bank mandiri syari’ah ada tiga produk yang ditawarkan ketiga produk tersebut memiliki perbedaan yang mendasar yaitu Murabahah Berasal dari kata Ribhu (keuntungan) yaitu jual beli dimana bank menyebut jumlah keuntungannya, bank sebagai penjual dan nasabah sebagai pembeli dan harga jual adalah harga beli dari pemasok ditambah dengan biaya bank ditambah dengan marjin keuntungan (cost plus profit), Mudharabah adalah akad kerjasama usaha antara dua pihak dimana pihak pertama (pemilik dana) menyediakan seluruh dana, sedangkan pihak kedua (pengelola dana) bertindak selaku pengelola, dan keuntungan usaha dibagi di antara mereka sesuai kesepakatan sedangkan kerugian finansial hanya ditanggung oleh pengelola dana. Musyarakah adalah akad kerjasama antara dua pihak atau lebih untuk suatu usaha tertentu, dimana masing-masing pihak memberikan kontribusi dana dengan ketentuan bahwa keuntungan dibagi berdasarkan kesepakatan sedangkan risiko berdasarkan porsi kontribusi dana, dari penjelasan tersebut dapat kita pahami bahwa pembiayaan pada bank syari’ah ditentukan oleh kedua belah pihak dalam menggunakan produk yang diinginkan serta dalam menentukan margin disepakati dari awal akad dan berlaku sampai akhir atau bersifat flat, berbeda dalam pembiayaan bank mandiri konvensional penetuan besaran bunga ditentukan oleh bank dan besaran bunga suatu-waktu akan berubah disesuaikan dengan kondisi pasar sehingga bisa naik, bisa turun disinilah kemudian salah satu pihak terutama nasabah dirugikan

UPAH JASA STERILISASI PADA KUCING DALAM RANGKA MENEKAN JUMBLAH POPULASI KUCING PERSPEKTIF HUKUM ISLAM (Studi Pada Klinik Hewan GRANDIA Pet Care Kota Bandar Lampung) Kurniati, Herlina; Marnita, Marnita; Apriliany, Aida
ASAS Vol. 12 No. 2 (2020): Asas, Vol. 12, No. 01 Desember 2020
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v12i2.8279

Kucing merupakan salah satu hewan yang paling banyak dijadikan peliharaan. Kucing mampu bereproduksi tiga hingga empat kali dalam satu tahun. Hal ini dapat menyebabkan populasi kucing meningkat secara cepat. Populasi kucing yang tidak terkontrol dapat menyebabkan masalah tersendiri bagi manusia, karena kucing bisa menjadi pembawa penyakit dan menularkannya kepada manusia. Salah satu cara yang dapat dilakukan untuk menekan populasi kucing yang terus berkembang pesat adalah dengan dilakukannya sterilisasi pada kucing. Banyak klinik hewan yang menyediakan jasa sterilisasi, salah satunya adalah klinik hewan GRANDIA Pet Care kota Bandar Lampung. Namun sterilisasi masih menjadi perdebatan di kalangan masyarakat karena dianggap menyakiti dan mengambil hak kucing untuk berkembang biak.. Adapun rumusan masalah dalam penelitian ini adalah: 1) Bagaimana praktik upah jasa sterilisasi kucing pada Klinik hewan GRANDIA Pet Care kota Bandar Lampung 2) Bagaimana tinjauan hukum Islam tentang upah jasa sterilisasi kucing pada klinik hewan GRANDIA Pet Care kota Bandar Lampung. Tujuan penelitian ini adalah 1) Untuk mengetahui mengetahui praktik upah jasa sterilisasi kucing 2) Mengetahui tinjauan hukum Islam tentang upah jasa sterilisasi kucing pada klinik hewan GRANDIA Pet Care kota Bandar Lampung. Metode yang digunakan dalam penelitian ini adalah penelitian lapangan (field research), sifat penelitian ini adalah penelitian kualitatif dengan pendekatan induktif. Pengambilan data dilakukan dengan melakukan penelitian lapangan, wawancara dan observasi. Sumber data dalam penelitian ini menggunakan data primer yang diperoleh secara langsung dari narasumber asli sedangkan data sekunder yang diperoleh dari sumber-sumber yang telah ada seperti dari perpustakaan, dan penelitian terdahulu. Berdasarkan hasil penelitian tersebut telah diperoleh kesimpulan, yaitu praktik sterilisasi di klinik GRANDIA Pet Care sudah memenuhi prosedur dan aturan yang sesuai dalam segi medis. Untuk menjamin keselamatan pasien atau kucing, sterilisasi dilakukan oleh seorang dokter hewan yang sudah berpengalam dalam bidangnya dan harus sesuai dengan syarat dan ketentuan yang telah ditentukan. Pada saat proses sterilisasi dilakukan, kucing dalam keadaan dianastesi atau dalam keadaan tidak sadar sehingga kucing tidak akan merasakan apapun termasuk rasa sakit..Sedangkan dalam aspek upah (ujrah) jasa sterilisasi di klinik hewan GRANDIA Pet Care juga sudah sesuai dengan rukun dan syarat akad ijarah secara umum, yaitu a) Aqid (orang yang berakad), b) sighat (ijab dan qabul), c) ujrah, d) manfaat. Dalam transaksi ini juga pihak yang berakad haruslah seseorang yang baligh dan berakal, adanya kerelaan dari dua pihak yang berakad, dan upah yang diberikan jelas dan sesuai dengan syara’. Atas dasar itulah maka upah jasa sterilisasi pada kucing hukumnya mubah atau diperbolehkan.Kata Kunci: Upah, sterilisasi, Kucing

ANALISIS PENEGAKAN HUKUM ANTI MONOPOLI (LAW ENFORCEMENT) DALAM UNDANG-UNDANG NOMOR 5 TAHUN 1999 PADA BISNIS TRANSPORTASI UDARA Irwantoni, Irwantoni; Kurniati, Herlina
ASAS Vol. 13 No. 1 (2021): Asas, Vol. 13, No. 01 Juni 2021
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v13i1.9327

Tingginya animo masyarakat terhadap transportasi udara menjadi acuan bagi maskapai untuk memburu modal, bahkan berutang demi ekspansi bisni, salah satu yang dilakukan yaitu menambah jumlah pesawat dan rute, hal ini pula membuat persaingan antar maskapai semakin keras, maskapai beranggaran terbatas tak mau ketinggalan memperluas posisi pasar mereka. Pesawat berbiaya rendah atau Low Cost Carrier (LCC) mulai mendominasi industry, meskipun UU Nomor 5 tahun 1999 telah mengatur tentang bisnis transportasi udara nyatanya tidak menjadi solusi akan penegakan hukum yang adil sehingga penelitian ini berfokus pada bagaimana penegakan Hukum Anti Monopoli (Law Enforcement) pada sistem Transportasi Udara (Pesawat), dan bagaimana peran pemerintah dalam prakteknya untuk mengawasi mengenai tarif batas atas penumpang pesawat udara?Adapun Metode penelitian ini menggunakan pendekatan yuridis normatif dengan menggunakan data-data dari sumber hukum sekunder berupa bahan hukum primer, sekunder, dan tersier. Analisis data menggunakan metode yuridis-kualitatif. Hasil penelitianPenegakan Hukum Anti monopoli pada sistem transportasi udara menurut UU No. 5 tahun 1999 sangat tegas akan diproses pada Komisi Pengawas Persaingan Usaha (KPPU), jikalau tidak selesai pada tingkat KPPU maka akan diajukan ke Peradilan Umum. Sedangkan dalam aspek Hukum Islamnya harus memenuhi tiga aspek kepentingan, yaitu daruriyyah, hajiyyah, tasiniyyah dan peran pemerintah harus melakukan berbagai upaya pengawasan terhadap perilaku monopoli yang berujung kepada penguasaan harga pasar. Apabila telah terjadi penguasaan harga pasar, maka pemerintah berhak memaksa para pengusaha untuk menetapkan harga tersebut dengan harga standar yang berlaku dipasar.

Analisis Pencabutan Izin Usaha Dan Likuidasi Bank Di Indonesia Kurniati, Herlina; Saputra, Kuryani; Tamza, Fristia Berdian
ASAS Vol. 13 No. 2 (2021): Asas, Vol. 13, No. 02 Desember 2021
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v13i2.11278

Indonesia's economy in the banking sector is experiencing ups and downs. There are times when it grows rapidly, and under certain conditions there are a number of banks experiencing problems and eventually being revoked their licenses. Revocation of business license is done as a last step in the efforts to heal the bank if the bank's difficulties interfere with its business continuity or endanger the banking system. It is a mandate from Law No. 7 of 1992 on Banking as amended by Law No. 10 of 1998. This paper wants to reveal the understanding, legal basis, liquidation factors to analasis revocation of business license and liquidation of banks in Indonesia. The method used in this study is the normative juridical approach method, in which the research conducted is by examining library research materials, which relate to the title being studied. This study concluded, first, OJK can revoke bpr business license because the condition of a bank endangers the banking system. Like the level of difficulty experienced in conducting business activities, the bank is unable to fulfill its obligations to other banks. Second, the bank has difficulties that jeopardize the continuity of its business and actions to overcome them are not enough to overcome the difficulties faced by the bank.Keywords: OJS, banking, liquidation

Studi Komparatif Tentang Praktik Peralihan Tanah Hibah Ke Pihak Lain (Hukum Islam dan Hukum Positif Indonesia) Kurniati, Herlina; Mellenia, Reva; Septiana, Evy
ASAS Vol. 14 No. 01 (2022): Asas, Vol. 14, No. 01 Juli 2022
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v14i01.13145

Grant could divert to person other through transition right through the grant. Practice transition soil grant to party other this start from practice grant at the beginning where a second split party has die world so that soil grant the fall down to expert inheritance from receiver grant. From party expert inheritance no need soil the so that soil the diverted to others. On moment transition soil grant, deed grant in beginning no found however transition soil grant the permanent conducted, the para party intends to look after deed grant the after did practice transition the more formerly. The Formula's problem in this study is how to practice transition soil grants to party other and review Islamic law and positive law that occurred in Gunung Terang Village. This study is a qualitative and character descriptive normative study carried out on practice transition soil grant to party others that occurred in Gunung Terang Village. The result of the study is the existence of transition grant soil where soil obtained from results gift grant from others then diverted return to others through grant also. The practice of transition soil grant to party other this conducted by oral witnessed by a party related like family and para witness with To do hand over accept grant soil. In a review of Islamic law, practice transition soil grants to party other this already in accordance by Islam because already fulfill get along and condition grant. Meanwhile, positive law is not yet in accordance and not allowed because no existence proof authentic or deed grant moment did practice transition soil grant them. Keywords: Grant, Switch, another party, soil

The Implementation Of The 'Urf And Its Implications On The Determination Of Contemporary Sharia Economic Law Maimun, Maimun; Kurniati, Herlina; Muflihah, Lilih
ASAS Vol. 14 No. 02 (2022): Asas, Vol. 14, No. 02 Desember 2022
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v14i02.13924

The study aims to apply 'urf as the tool to view the problems of contemporary shari'ah economic law and its implications on the legal determination of shari'ah economic law cases. This research used qualitative library methods which is a means of understanding and exploring the meaning of what happens to various individuals or groups, originating from humanitarian or social problems. Based on the research results, it can be concluded that business practices in the current era of free market globalization are a challenge for legal practitioners who are active in carrying out the constant ijtihad to develop thoughts on shari'ah economic law, in addition to trying to reconstruct the principles of economic law, actualize and contextualize in various contemporary shari'ah economic law issues such as transaction of buying and selling orders ('aqd bai' al-salm) through online applications; buying and selling contracts without pronouncing ṣigat al -'aqd which is done online; and others. Such practice of contract transactions has become a tradition and a necessity for the business world in this contemporary era. From here, an academic problem arises: how are shari'ah economic law and the legal istinbat process able to answer various legal cases that continue to occur? Among the alternative solutions, one of them is to apply 'urf as an ijtihad method in extracting contemporary shari'ah economic law. Keywords:, implications, the economic case of shari'ah and Application of 'urf

Regulation Of Sharia Microfinance Institutions Toward Credit Cooperations Based On Sharia Principles Martania, Mira; Islahudin, Ahmad Noor; Kurniati, Herlina
ASAS Vol. 15 No. 02 (2023): Asas, Vol. 15, No. 02 Desember 2023
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v15i02.17412

In empowering the people's economy through providing inclusive and sharia-based financial access. Islamic microfinance institutions, namely credit cooperatives, which aim to provide financial services in accordance with sharia principles to their members. One of the theories underlying the regulation of Islamic microfinance institutions towards credit cooperatives based on Islamic principles is that Islamic finance must follow Islamic principles in every aspect of its operations, including the prohibition of usury, gharar, and maysir, as well as an emphasis on fairness, sustainability, and economic empowerment. The problem of different understanding and interpretation of sharia principles is a challenge in the implementation of this law. In addition, compliance with and supervision of sharia principles is also a problem because it requires deep understanding and effective oversight mechanisms. The purpose of the regulation of Islamic microfinance institutions for credit cooperatives based on sharia principles is to create financial institutions that can provide financial services in accordance with sharia principles to their members. This includes empowering the people's economy, creating a fair and sustainable financial system, and providing more inclusive financial alternatives for the community.Keywords: Economic empowerment, sharia principles, compliance, supervision, regulation

Reconstruction of the Management, Utilization and Sale of Waqf Property in Indonesia from the Perspective of Maqāṣid Ash-Shari'ah Kurniati, Herlina; Muslim, Muslim
ASAS Vol. 16 No. 1 (2024): Asas, Vol. 16, No. 01 Juni 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v16i1.22554

The issue of selling waqf objects has different opinions among scholars, as some scholars of the Māliki and Shāfi'i schools of thought are of the opinion that waqf assets cannot be sold or exchanged. Meanwhile, according to the Hanbali school of thought, waqf assets may be traded provided that the waqf assets are no longer productive and the conditions require it. Therefore, because this waqf doctrine is included in the ijtihādiyah issue, it is not a matter of worship (ta'abbūdi). The focus of the problem in this research is how to reconstruct the management, empowerment and trading of waqf assets in Indonesia from the perspective of Maqāṣid Ash- Shari'ah. The method used in this research is typologically, this research is a model of Islamic legal research categorized as qualitative research. Qualitative research is descriptive qualitative, this research is included in the category of library research which aims to explore and search for maqāṣîd ash-sharî'ah concepts from classical and contemporary uṣûl al-fiqh experts, whose data are obtained from searching for reading sources to obtain primary legal materials, secondary legal materials, and tertiary materials. The results of the research can be concluded that in Indonesia the regulations governing waqf issues can be found in Law No. 41 of 2004 concerning Waqf, which was signed by the President of the Republic of Indonesia (SBY) on October 2, 2004. A few years later, PP No. 42/2006 was issued to implement the law. From the perspective of maqāṣid ash-shari'ah, the management and utilization, including selling waqf assets that are no longer productive, badly damaged, and have almost lost their usefulness, is basically the purpose of the waqf asset itself, which is to fulfill the needs and interests of the community.Keywords: ijtihādiyah; Maqāṣid Ash-Shari'ah; Reconstruction; Productive Waqf

Management Of Mosque Infaq Funds In Improving The Welfare Of Micro And Small Businesses From The Perspective Of Islamic Law Masykuroh, Yufi Wiyos Rini; Kurniati, Herlina; Septiana, Evi
ASAS Vol. 16 No. 2 (2024): Asas, Vol. 16, No. 02 Desember 2024
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.v16i2.23931

The mosque has a function not only as a place of mahdhoh worship but also as a center for Muslim socio-economic activities (social economy center), namely through infaq, and alms productively, as happened at the Nurul Hidayah mosque in Panjang Utara village, one of the programs carried out is to improve the welfare of small micro businesses around the mosque environment. The purpose of this study is to determine and analyze in Islamic law the practice of managing infaq and alms funds in improving the welfare of small micro businesses at the Nurul Hidayah Mosque in Panjang Utara. The method used in this research is qualitative with descriptive method, the object of research is the amil zakat institution, infaq and alms of the Nurul Hidayah Mosque. The data sources used are primary and secondary data sources. The collection techniques are interviews and documentation. Based on the results of the study, it can be concluded that the management of the infaq funds of the Nurul Hidayah Mosque in improving the welfare of small micro businesses by providing loans without any administrative costs, guarantees and interest or margins, this is done so that it is beneficial to customers not only in the short term but more than that, namely in the long term, while the perspective of Islamic law on the management of infaq and alms funds in improving the welfare of small and medium micro businesses at the Nurul Hidayah Mosque in Panjang Utara village is in accordance with Islamic law, but in the future the distribution of infaq and alms should be further expanded to other groups.Keywords: Ibadah Mahdhoh; Micro Small and Medium Enterprises; Management of Infak Funds

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