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All Journal Al-Madaris Jurnal Pendidikan dan Studi Keislaman Khadem: Jurnal Pengabdian Kepada Masyarakat Journal of Mujaddid Nusantara
Nainunis, Nainunis
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Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Debtors Responsibilities in Subsidized Home Loan Takeovers Based on Indonesian Ministerial Regulation Number 26/PRT/M/2016 Toguan, Zulfikri; Ernayani, Rihfenti; Nainunis, Nainunis
Journal of Mujaddid Nusantara Vol. 1 No. 3 (2024): Journal of Mujaddid Nusantara September, 2024
Publisher : Institute of Education and Social Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62568/jomn.v1i3.109

Abstract

The transfer of ownership for Subsidized Home Ownership Loans (KPR) is prohibited unless the property has been occupied for over 5 years. Despite this rule, violations frequently occur, highlighting gaps in enforcement and a lack of debtor responsibility in credit repayment. This study addresses two main questions: 1) What are the responsibilities of debtors in taking over subsidized KPR based on Regulation Number 26/PRT/M/2016 at Bela Berlian 3 Housing, Kampar Regency? 2) What are the legal consequences for debtors in such takeovers? Using empirical legal research with primary data, the study found that debtors often fail to meet their obligations, including the misuse of bank funds intended for housing debt repayment. This leads to defaults and breaches of contract. Unauthorized takeovers may result in the withdrawal of KPR subsidies, but enforcement remains inconsistent, causing legal uncertainty for new debtors. The research calls for stronger enforcement to prevent unauthorized KPR ownership transfers.
COVID-19 DALAM KAJIAN QAWAID FIQHIYAH Nainunis, Nainunis
Al-Madaris Jurnal Pendidikan dan Studi Keislaman Vol. 2 No. 1 (2021): Islamic Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) Sekolah Tinggi Agama Islam Jamiatut Tarbiyah Lhoksukon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47887/amd.v2i1.23

Abstract

This study tries to assess the level of danger of covid-19 in the study of qawaid fiqhiyah. So that the level of vigilance is found based on the study of fiqh. There are several fiqhiyah principles that serve as basic guidelines in fostering human behavior in dealing with COVID-19, there are also some changes in the basic provisions (hukum ashal) to new provisions, which changes according to the level of the virus. The fiqhiyah rules that are relevant to this study are; 1) التيسير تجلب المشقة (difficulty can bring fast), which this rule describes the difficulties obtained from the process of spreading COVID-19 can abort obligations and change the basic provisions. 2) الضرورة تبيح المحظورات (the condition of the dharurat allows something that is forbidden), from the other side this rule also describes the same thing as the rule above, where dharurah is an excuse to fail an obligation and may do things that were originally prohibited. 3) ما أبيح للضرورة يقدر بقدرها (Something What is Allowed because dharurah is Measured According to the Level of ‘Endanger’), this rule describes the level of permissibility or legal relief that arises due to the spread of COVID-19 not absolutely, but it is adjusted to the level of the spread zone. 4), الضرر يزال (‘Endanger’ must be eliminated), in the spread of COVID-19, this rule becomes the basic guide for the new obligations, namely eliminating harm caused by the spread of COVID-19 by following health protocols. 5) قد نزلت منز لة الضرورة عامة كانت أو خاصة الحاجة (hajah;pretention Occasionally Occupies Emergency Positions either General or Special), this rule describes the desire with special criteria parallel to dharurah independently, such as hajah means, isolation of dharurah as a washilah to keep other people from being exposed.
Sosialisasi Digital Marketing Bagi Umkm Di Desa Miduen Jok Samalanga Kharazi, Muhammad; Nainunis; Amiruddin
Khadem: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 1 (2024): Khadem: Jurnal Pengabdian Kepada Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam (IAI) Al-Aziziyah Samalanga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54621/jkdm.v3i1.913

Abstract

Usaha Mikro Kecil dan Menengah (UMKM) di Desa Mideun Jok, Kecamatan Samalanga, Kabupaten Bireuen, memiliki peran penting sebagai salah satu penggerak utama perekonomian. Keberadaannya sangat diperhitungkan, terutama dalam kontribusinya terhadap penyerapan tenaga kerja dan pengurangan masalah ketenagakerjaan di Desa Mideun Jok. Meskipun UMKM di wilayah tersebut memberikan kontribusi yang cukup signifikan, pelaku UMKM masih menghadapi beberapa masalah dalam menjalankan usahanya. Salah satunya adalah kurangnya pemahaman strategi UMKM dan pengelolaan keuangan. Untuk mengatasi kendala ini, dilakukan pengabdian masyarakat yang bertujuan memberikan pengetahuan kepada pelaku UMKM mengenai pengelolaan keuangan, pemasaran produk atau jasa, serta inovasi dalam pengembangan produk atau jasa. Pengabdian masyarakat, terutama yang dilakukan oleh mahasiswa, menjadi wadah penting untuk memberikan pemahaman kepada pelaku UMKM. Sebelum adanya upaya ini, pelaku usaha UMKM di Desa Mideun Jok belum sepenuhnya menyadari pentingnya pengelolaan keuangan, pemasaran, dan inovasi sebagai elemen kunci dalam pengembangan usaha mereka. Dengan adanya pengabdian masyarakat, diharapkan pelaku UMKM dapat lebih memahami dan menerapkan praktik-praktik terbaik dalam mengelola usaha mereka demi pertumbuhan ekonomi yang berkelanjutan.
Co-Authors Amiruddin Kharazi, Muhammad Rihfenti Ernayani Toguan, Zulfikri