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Paradigma Sistem Pengawasan Syariah Dalam Konsep Hukum Nasional Abdul Saman Nasution; Tentiyo Suharto
Law Journal (LAJOUR) Vol 4 No 2 (2023): Law Journal (LAJOUR) Oktober 2023
Publisher : LPPM Universitas Bina Insan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/law.v4i2.120

Abstract

Penulisan ini bertujuan untuk menganalisis dasar hukum pengawasan dengan mengkaji sistem pengawasan sejak zaman Rasulullah hingga sekarang dengan menggunakan metode penulisan studi kepustakaan (library research) dengan pendekatan kualitatif. Data yang digunakan pada proses penulisan ini bersumber dari data sekunder yang dikumpulkan dari hasil karya ilmiah berupa jurnal, skripsi, tesis, makalah, buku dan sumber lainnya. Hasil penulisan ini menunjukkan bahwa pengawasan syariah pada lembaga keuangan syariah di Indonesia sudah memiliki regulasi hukum yang dikeluarkan oleh lembaga berwenang terkait melingkup Bank Indonesia, Otoritas Jasa Keuanggan, kemudian diatur teknisnya oleh Dewan Syariah Nasional Majelis Ulama Indonesia. Adapun mekanisme pengawasan yang dilakukan oleh DPS berupa pengawasan on site (pengawasan langsung) dan pengawasan off site (pengawasan tidak langsung). Pengawasan oleh DPS melingkup kegiatan operasional, kesesuaian fatwa, dan unsur kesyariahan yang telah ditetapkan.
PARADIGMA SISTEM PENGAWASAN SYARIAH DALAM KONSEP HUKUM NASIONAL Nasution, Abdul Saman; Suharto, Tentiyo
Law Journal (LAJOUR) Vol 4 No 2 (2023): Law Journal (LAJOUR) Oktober 2023
Publisher : LPPM Universitas Bina Insan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/law.v4i2.120

Abstract

Penulisan ini bertujuan untuk menganalisis dasar hukum pengawasan dengan mengkaji sistem pengawasan sejak zaman Rasulullah hingga sekarang dengan menggunakan metode penulisan studi kepustakaan (library research) dengan pendekatan kualitatif. Data yang digunakan pada proses penulisan ini bersumber dari data sekunder yang dikumpulkan dari hasil karya ilmiah berupa jurnal, skripsi, tesis, makalah, buku dan sumber lainnya. Hasil penulisan ini menunjukkan bahwa pengawasan syariah pada lembaga keuangan syariah di Indonesia sudah memiliki regulasi hukum yang dikeluarkan oleh lembaga berwenang terkait melingkup Bank Indonesia, Otoritas Jasa Keuanggan, kemudian diatur teknisnya oleh Dewan Syariah Nasional Majelis Ulama Indonesia. Adapun mekanisme pengawasan yang dilakukan oleh DPS berupa pengawasan on site (pengawasan langsung) dan pengawasan off site (pengawasan tidak langsung). Pengawasan oleh DPS melingkup kegiatan operasional, kesesuaian fatwa, dan unsur kesyariahan yang telah ditetapkan.
PERKAWINAN BEDA AGAMA DI INDONESIA: ANALISIS NORMATIF DAN IMPLEMENTATIF DALAM KONTEKS NEGARA HUKUM Suharto, Tentiyo; Fuadi, Ahmad
Law Journal (LAJOUR) Vol 2 No 2 (2021): Law Journal (LAJOUR) Oktober 2021
Publisher : LPPM Universitas Bina Insan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/lajour.v2i2.189

Abstract

Sejak dahulu, negara kita sudah dihadapkan dengan permasalahan-permasalahan seputar perkawinan, salah satunya adalah permasalahan perkawinan antar-agama. Perkawinan semacam itu dapat menimbulkan perbedaan prinsipil yang kompleks, selain itu juga terdapat perdebatan mengenai dasar hukum yang dapat menentukan sah atau tidaknya perkawinan beda agama. Penelitian ini bertujuan untuk mendiskusikan hukum perkawinan antar-agama di Indonesia, dengan menganalisis aspek normatif dan implementatif dalam konteks negara hukum. Metode penelitian yang digunakan adalah pendekatan yuridis normatif dengan menggunakan data sekunder yang diperoleh dari studi kepustakaan. Penelitian ini mengadopsi spesifikasi penelitian deskriptif analitis, yang menggambarkan peraturan perundang-undangan yang berlaku dan mengaitkannya dengan teori-teori hukum dalam praktik pelaksanaannya. Hasil penelitian menunjukkan bahwa perkawinan beda agama tidak dapat diterima, meskipun terdapat perbedaan interpretasi dalam agama mengenai kebolehan atau ketidakbolehan perkawinan beda agama. Hal ini penting untuk diperhatikan karena permasalahan perkawinan antar-agama di Indonesia bersifat hukum, sedangkan tafsiran agama-agama terkait perkawinan beda agama hanya bersifat teologis dan keagamaan. Mengingat Indonesia bukan negara berdasarkan agama, acuan utama yang digunakan adalah hukum nasional, sehingga terdapat kejelasan hukum mengenai tidak dibolehkannya perkawinan beda agama.
Islamic Banking Fiqh: Urgency and Economic Challenges in the System of Islamic Financial Institutions (LKS) in Indonesia Tentiyo Suharto
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 2 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku3859

Abstract

Islamic banking is a form of financial system based on sharia principles. The urgency of fiqh in Islamic banking is very important because it is a guideline in carrying out transactions in accordance with Islamic law. One of the important aspects in Islamic banking is the application of fiqh muamalah in the products of raising funds (funding), channeling funds (landing) and services (services) in the payment traffic offered. This research uses a qualitative method. Data were collected through literature review, analysis of bank policy documents related to products at Islamic financial institutions (LKS). The result of this study is that although the application of Islamic banking fiqh has been running well, especially in relation to murabahah, mudharabah, musyarakah, ijarah, kafalah, wakalah and hiwalah contracts, it has been applied in accordance with the principles of Islamic banking fiqh. However, there are still some challenges such as the public's not optimal understanding of the concept of Islamic banking, especially in LKS, regulations that continue to evolve, and competition with conventional banking or conventional financial institutions that still require increased education to the public as well as strengthening regulations to ensure compliance with sharia principles. To be able to contribute to the development of Islamic banking specifically in the field of LKS in Indonesia.
HUKUM DAN STRATEGI PENYELESAIAN UTANG - PIUTANG MURABAHAH PADA PERBANKAN DAN LEMBAGA KEUANGAN SYARIAH Suharto, Tentiyo; Saidi, Ahmad
Law Journal (LAJOUR) Vol 1 No 1 (2020): Law Journal (LAJOUR) Oktober 2020
Publisher : LPPM Universitas Bina Insan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/law.v1i1.39

Abstract

In making it easier for them in economic activities such as storing funds, investing in banks, sending money, borrowing money, and other activities related to financial problems. Islamic banks are financial institutions that carry out banking activities based on sharia principles. The legal entity form of a Bank carries out its economic activities, humans are assisted by an institution engaged in the financial sector, namely a Bank or other financial institution. Banks that can assist Sharia are Limited Liability Companies that have been regulated in article 7 of Law No. 21 of 2008 concerning Islamic Banking. The principle of murabahah in the practice of Islamic financial institutions is based on two main elements of the purchase price as well as the associated costs and agreement on the profits obtained by the institution. In addition to the legal basis for murabahah is al-Qur'an and also as-sunnah, murabahah is also regulated by an institution that specifically regulates financial institutions related to sharia in Indonesia, namely the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). This type of research is library research. While the nature of this research is descriptive, which describes and describes the problems discussed. Accounts receivable in murabahah is a condition in which a murabahah contract occurs between the customer and Islamic banking. Non-performing financing is something that is not desired by any financial institution, including Islamic banking, whose financing problems in Islamic banking have been grouped based on their collectibility, which are substandard, doubtful and bad. The methods taken in solving the problem of debt and receivables in murabahah according to the DSN fatwa Number 47 of 2005 are silaturrahmi, extension of the period, injection of funds, additional funds, Execution of Collateral and Auctions. In addition to the above methods of solving problem loans, it can also be through legal institutions, in this case the State Receivables Affairs Committee (PUPN) and the Directorate General of State Receivables and Auctions (DJPLN), through the Judiciary, and through Arbitration or Alternative Dispute Resolution Bodies.
PENGARUH PELAYANAN DAN PROMOSI TERHADAP KEPUTUSAN NASABAH MEMILIH JASA KOPERASI KONSUMEN MITRA MANINDO Futri, Indah; Arwin; Tentiyo Suharto; Yoni Hendrawan
AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam Vol. 3 No. 2 (2025): AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam
Publisher : Program Studi Perbankan Syariah, Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/7cwtg053

Abstract

Tujuan Penelitian ini untuk mengukur seberapa besar pengaruh pelayanan dan promosi terhadap keputusan nasabah memilih jasa koperasi konsumen mitra manindo. Jenis penelitian ini adalah analisis kuantitatif, populasi dalam penelitian ini seluruh nasabah koperasi konsumen mitra manindo sebanyak 338 nasabah dengan sample menggunakan rumus random sampling. Hasil analisis regresi menunjukkan bahwa pelayanan berpengaruh positif dan signifikan terhadap keputusan nasabah dengan nilai koefisien 0,296 dan signifikansi 0,012, sedangkan promosi juga berpengaruh positif dan signifikan dengan koefisien 0,208 dan signifikansi 0,005. Uji simultan (Uji F) menunjukkan bahwa secara bersama-sama kedua variabel bebas berpengaruh signifikan terhadap variabel terikat dengan nilai Fhitung = 7,715 > Ftabel = 2,77, dan signifikansi 0,001. Namun, nilai koefisien determinasi (R Square) hanya sebesar 0,171, yang berarti hanya 17,1% variasi keputusan nasabah dapat dijelaskan oleh variabel pelayanan dan promosi, sedangkan sisanya yaitu 82,9% dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini.
Fiqh Muamalah and Sharia Marketing Strategy: Value Integration for Optimizing Emotional and Commercial Markets Islamic Banking in Indonesian Tentiyo Suharto; Sukiman Sukiman; Maryam Batubara
Nomico Vol. 3 No. 5 (2026): Nomico-June
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/2bv7nz67

Abstract

This study aims to analyze problems and formulate a sharia marketing strategy for Islamic banking in Indonesia, integrating the emotional (religious-spiritual) and commercial (rational-economic) markets based on the perspective of maqasid al-sharia. The background of the study indicates that although the Islamic banking industry has experienced significant growth, its market share remains relatively low due to the suboptimal integration of sharia compliance, modern marketing values, and digital transformation. This study uses a mixed methods approach supported by the Analytic Network Process (ANP) to determine the most relevant and beneficial marketing strategy priorities. The results indicate that an effective sharia marketing strategy must combine the emotional dimensions of trust, blessings, and sharia compliance with the commercial dimensions of efficiency, service quality, product innovation, and competitiveness. The main findings revealed that digital marketing and social media optimization are the highest priority strategies, followed by partnerships in the commercial market segment, utilization of sharia fintech, optimization of contracts in sharia banking fiqh, partnerships in the emotional market segment, and community-based or people-based marketing programs. This integration of emotional and commercial markets confirms that Sharia marketing is not simply a business instrument, but rather a muamalah practice oriented toward the realization of the maqasid al-Shariah, specifically the protection of religion (hifz al-din) and the protection of property (hifz al-mal). Therefore, marketing activities are not exploitative, but rather promote public or customer trust, financial inclusion, and the ethical and competitive sustainability of Sharia banking.
PEMIKIRAN PROF. DR. H. BUSTHANUL ARIFIN, SH TENTANG PENINGKATAN WEWENANG PENGADILAN AGAMA DALAM PENYELESAIAN SENGKETA PERBANKAN SYARIAH DI INDONESIA: Sekolah Tinggi Agama Islam Negeri (STAIN) Mandailing Natal TENTIYO SUHARTO
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 1 No. 1 (2020): JIBF MADINA TAHUN 2020
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract

Abstract History of the formation of Law Number 7 of 1989 concerning the Religious Courts is a long struggle by Muslim leaders and experts in Islamic law in Indonesia, one of whom is Prof. Dr. H. Busthanul Arifin, S.H continues to think seriously about making Islamic law an integral part of the national legal system. According to Prof. Dr. H. Busthanul Arifin, S.H. The Indonesian nation is said to be a country with a majority Muslim population, but the community has not been able to freely implement Islamic syari'at values ??in public relations so that it can be said that Islamic syari'at values ??are very difficult to convey. This type of research is library research (Library Research) and this research is a character study research with inductive descriptive analysis. According to Busthanul Arifin the authority and power of the Religious Courts by referring to the explanation of article 49 of Law Number 50 of 2009 concerning Amendments to Law Number 7 of 1989 and Amendments to Law Number 3 of 2006 concerning Religious Courts are Marriage, Inheritance, Will, Grants, Endowments, Zakat, Infaq, Shadaqah and Syari'ah Economics. With the Constitutional Court's decision, there will be no more dualism in the settlement of Islamic Banking disputes. This is in line with Law Number 21 of 2008 concerning Islamic Banking. The Religious Courts are the only courts authorized to resolve sharia banking disputes. Keywords: Law, Religious Courts, Islamic Law, Figure, Busthanul Arifin, National Law, Sharia, Disputes, Constitutional Court, Sharia Banking, Sharia Economics
TENTIYO SUHARTO Konsep Syirkah (Musyarakah) Dalam Tafsir Ibnu Katsir Telaah Al-Qur’an Surah Shaad Ayat 24 Pada Lembaga Keuangan Syariah Suharto Tentiyo
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 3 No. 1 (2022): JIBF MADINA TAHUN 2022
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract

Abstract Syirkah, also known as musharaka, is a business partnership that is jointly owned by two or more people. Types of Syirkah, Syirkah al 'Inan. Syirkah al Mufawadlah, Syirkah al A'maal. Based on the understanding of the interpretation of al-syirkah according to Ibn Kathir, it can be concluded that it is a transaction between two or more people. This transaction includes the collection of capital and the use of capital. Profits and losses are shared according to the agreement. However, capital is not always in the form of money but can take other forms. By ijma, the scholars agree that the law of shirkah is permissible. Based on the hadith that Allah's recommendation is to cooperate without betrayal and Allah's threat to those who enter into an alliance in which there is betrayal between the two parties. Sharia Financial Institutions in taking advantage of developing the principle of profit sharing. One of them is using the principle of syirkah. Syirkah is a cooperation contract between two or more parties for a particular business in which each party contributes (charity and expertise) with an agreement that the profits and risks will be shared according to the agreement. In the practice of sharia banking, this syirkah principle has become the prima donna, in terms of financing. Keywords: Shirkah. Musyarakah, Tafsir, Capital, Transactions, Hadith, Sharia, Law, Cooperation, Economics, Contributions, Trade, Transactions, Loss.
TENTIYO SUHARTO Konsep Uang dan Kebijakan Moneter dalam Perpsektif Pemikiran Ibn Taimiyah dan John Maynard Keynes: Konsep Uang dan Kebijakan Moneter dalam Perpsektif Pemikiran Ibn Taimiyah dan John Maynard Keynes Suharto Tentiyo
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 3 No. 2 (2022): JIBF MADINA TAHUN 2022
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract

AbstrakIndonesia memiliki beberapa pemikir yang ikut berperan serta dalammemajukan negara Indonesia. Para pemikir tersebut merupakan ahli diberbagai bidang. Indonesia merupakan salah satu negara dengan pendudukIslam terbesar didunia dan semua permasalahan ekonomi mau tidak maumembuat para tokoh ekonomi Indonesia turut campur, paling tidak sebagaiseorang pendidik yang mengajarkan ilmu-ilmu ekonomi pada generasi mudadalam perkembangan ekonomi di Indonesia sejak kemerdekaan Indonesiasampai sekarang.Metode penelitian merupakan sesuatu yang mesti ada dalam sebuahkarya ilmiah. Hal ini bertujuan untuk mengembangkan objek penelitiansecara terstruktur serta untuk mendapatkan informasi secara benar dandapat dipertanggung jawabkan. Jenis penelitian yang digunakan adalahpenelitian Studi Tokoh (penelitian kualitatif dengan pendekatan kajiankepustakaan (library research), yaitu mengkaji sumber-sumber tertulis dariberbagai rujukan pustaka dari karya tokoh tersebut, yang dilakukan dengancara mengumpulkan data, kemudian menelaah dan menganalisis data yangdiperoleh dari berbagai sumber tertulis.Adapun Pemikiran Ibn Taimiyah dan John Maynard Keynes tentang Uangdan Kebijakan Moneter adalah bertujuan untuk mencapai kesejahteraanekonomi bagi seluruh rakyat. Selanjutnya pada pos pengeluaran ataubelanja negara persamaannya adalah dalam hal penggunaan anggarannegara untuk menggaji para aparatur negara, membiayai pertahanan dankeamanan negara, untuk pembangunan fasilitas publik seperti jalan raya,jembatan, pelabuhan, dan pasar, serta pembangunan fasilitas pendidikandan kesehatan. Dari sisi sumber penerimaan negara terdapat persamaanpendapatan dari komponen bea cukai kegiatan ekspor-impor serta pajak.Berkaitan dengan intervensi atau peran negara dalam kebijakan keuanganpublik sama-sama berupaya untuk mengatasi pengangguran dan mengentaskan masyarakat. kemiskinan yang berdampak pada disposable income Kata Kunci: Ekonomi Islam, Syariah, Pemikiran, Kontribusi, Legal,Riba, Undang-Undang, Bunga Bank, Tokoh, Stabilitas,Bisnis