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Analisis Urf terhadap Sistem Jaminan dalam Praktik Mappasanra Cengkeh di Kabupaten Bulukumba Hasan, Nugraha; Nursyam, Fatima
Shautuna: Jurnal Ilmiah Mahasiswa Perbandingan Mazhab VOLUME 5 ISSUE 2, MAY 2024
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/shautuna.v5i2.39577

This study aims to find out how the guarantee system in the practice of clove tree mappasanra, especially in the community of Tamaona Village, Kindang District, Bulukumba Regency. The type of research conducted is field research which is raised from the observation of social facts studied by the method of sociological approach and sharia juridical approach. The sources of data for this research are people who practice pawnning, community leaders, and religious leaders. The data collection method is carried out by means of observation, interviews, and documentation. The results of this study show that the people of Tamaona Village, Kindang District, Bulukumba Regency still carry out the practice of clove tree mappasanra because they consider that this practice is one of the quick and easy ways to get a cash loan with a system of pawning the clove tree as collateral to be managed and all the proceeds are taken by the pawnbroker until the pawnbroker pays off the debt. There are 2 forms of collateral utilization by murtahin, namely the use of collateral by murtahin with a time limit and the utilization of collateral by murtahin without a time limit. In the view of Islamic law based on 'urf, it is viewed that the guarantee system in the practice of mappasanra carried out by the community is categorized into 'urf fasid because it tends to harm one of the parties, namely the pawnbroker and is included in the agreement that leads to the category of usury. The implication of this study is that the practice of clove tree mappasanra is expected to continue to be carried out guided by the rules of Islamic law, to religious leaders or the government to convey about muamalah especially pawns in accordance with Islamic law so that the community is able to apply the system in the practice of mappasanra in accordance with applicable rules.

Performance and Value Of RGEC Sharia Bank: Evidence From Indonesia Kurnia, Rahmat; Maminiaina Heritiana Sedera, Rakotoarisoa; Hasan, Nugraha
LAA MAISYIR: Jurnal Ekonomi Islam Vol.11 No.1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v11i1.45015

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Maslahah Najmuddin Al-Thufi: A Framework for Fintech Benefit Realization in Indonesia Hasan, Nugraha; Abubakar, Achmad; Haddade, Hasyim; Kurniati, Kurniati; Nurjannah, Nurjannah; Sabbar, Sabbar Dahham
Jurnal Ilmiah Al-Syir'ah Vol 22, No 1 (2024)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v22i1.2100

This study explores the concept of maslahah, according to Najmuddin Al-Thufi, as a realization of fintech development in Indonesia. Najmuddin Al-Thufi developed a theory of maslahah that emphasizes flexibility and adaptability to dynamic socio-economic contexts. This study integrates the theory with the development of fintech in Indonesia. This descriptive and qualitative research provides a more comprehensive picture of the concept of maslahah at-Thufi and the phenomenon of fintech in detail and in-depth and using a phenomenological approach. Data sources come from secondary data from books and relevant and reliable journals related to the discussion of Maslahah Najmuddin at-Thufi and fintech. The results showed that applying Najmuddin al-Thufi's maslahah concept to the development of fintech in Indonesia can be implemented for effective regulation and support the growth of fintech in an inclusive, safe, and equitable manner. The maslahah principle, which focuses on the public good, can deal with challenges such as consumer protection, data security, financial inclusion, and business ethics. By applying this principle, regulations can be more adaptive and responsive to technological dynamics, ensuring that the real benefits to society are always prioritized in every regulatory decision.

Reevaluating the Profitability, Performance, and Stability of Sharia Banks in Indonesia Using the Eagles Framework Kurnia, Rahmat; Fenitra, Rakotoarisoa Maminirina; Hasan, Nugraha; Melzatia, Haura Hazimah
Tasharruf: Journal Economics and Business of Islam Vol 9, No 1 (2024): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i1.3071

Islamic banking in Indonesia has experienced rapid development in recent years. This encourages the importance of reviewing the financial performance of Islamic Commercial Banks (BUS) to determine the level of health and efficiency. The purpose of this study is to analyze the financial performance of BUS during the period 2018-2022 using the EAGLES method. As well as comparing financial performance between BUSs during the 2018-2022 period. This study uses quantitative methods with secondary data sourced from BUS Annual Reports for the 2018-2022 period. Financial performance is measured using the EAGLES method which includes ROA, ROE, NPF, DGR, LGR, FDR, CAR, and SRQ ratios. The results showed that there were differences in the ratios calculated on BUS during the 2018-2022 period. Overall, BUS shows a fairly healthy financial performance with some BUSs that have better performance than others. The conclusion of this study is that the financial performance of BUSs during the 2018-2022 period shows a positive trend with some BUSs that have better performance than others. The use of the EAGLES method provides a comprehensive overview of BUS financial performance and can be used to compare performance between BUSs.

Reevaluating the Profitability, Performance, and Stability of Sharia Banks in Indonesia Using the Eagles Framework Kurnia, Rahmat; Fenitra, Rakotoarisoa Maminirina; Hasan, Nugraha; Melzatia, Haura Hazimah
Tasharruf: Journal Economics and Business of Islam Vol 9, No 1 (2024): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i1.3071

Islamic banking in Indonesia has experienced rapid development in recent years. This encourages the importance of reviewing the financial performance of Islamic Commercial Banks (BUS) to determine the level of health and efficiency. The purpose of this study is to analyze the financial performance of BUS during the period 2018-2022 using the EAGLES method. As well as comparing financial performance between BUSs during the 2018-2022 period. This study uses quantitative methods with secondary data sourced from BUS Annual Reports for the 2018-2022 period. Financial performance is measured using the EAGLES method which includes ROA, ROE, NPF, DGR, LGR, FDR, CAR, and SRQ ratios. The results showed that there were differences in the ratios calculated on BUS during the 2018-2022 period. Overall, BUS shows a fairly healthy financial performance with some BUSs that have better performance than others. The conclusion of this study is that the financial performance of BUSs during the 2018-2022 period shows a positive trend with some BUSs that have better performance than others. The use of the EAGLES method provides a comprehensive overview of BUS financial performance and can be used to compare performance between BUSs.

The Pledges as Alternative to Witnesses in Waqf and Grant Transactions: A Comparative Study of Fiqh Madhhabs Maulidah, Tahani Asri; Hasan, Nugraha; Nurjannah
Mazahibuna: Jurnal Perbandingan Mazhab VOLUME 6 ISSUE 2, DECEMBER 2024
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/mazahibuna.vi.45732

This study aimed to analyze the role of witnesses and pledges in the settlement of waqf and grant disputes based on the perspective of Islamic law. Although Islamic law had regulated these two concepts in detail, there remained uncertainty in the application regarding the validity of witnesses and pledges in waqf and grant transactions. This analysis focused on addressing the effectiveness of the two concepts in resolving conflicts. A qualitative method with a normative approach was adopted, which further depended on literature studies and juridical analysis of classical and contemporary Islamic legal texts. Data were collected through a review of the fiqh madhhabs legal literature as well as relevant fatwas and further analyzed using the descriptive-analytical method. The results showed that witnesses and pledges played a significant role in determining the validity of waqf and grant transactions. In particular, the pledges could be used as evidence when witnesses were unavailable or ineligible. However, applying both concepts required adjustments to the local context and community customs. The originality of this study lay in the comprehensive approach to the pledges as a legitimate alternative in dispute resolution, providing a new solution in the context of modern Islamic law. Furthermore, this study provided an important contribution to the development of Islamic law related to waqf and grant transactions. The implications of this study were the need for more adaptation to local conditions and further exploration of the practical implementation of these elements.

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