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All Journal Al-Mizan (e-Journal) Maqrizi : Journal of Economics and Islamic Economics
Sardari, Ahmad Asif
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Perbandingan Konseptual dan Praktis antara Akad Musyarakah dan Mudharabah dalam Pembiayaan Syariah: Telaah Risiko dan Nilai Keadilan Sardari, Ahmad Asif; Rinaldy, Asfar
Maqrizi: Journal of Economics and Islamic Economics Vol 5 No 1 (2025): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v5i1.1506

Abstract

Artikel ini bertujuan untuk menganalisis dan membandingkan dua bentuk akad utama dalam pembiayaan syariah, yaitu Musyarakah dan Mudharabah, dengan menekankan pada aspek konseptual, penerapan praktis, efisiensi risiko, serta nilai keadilan dalam distribusi keuntungan dan kerugian. Penelitian ini menggunakan pendekatan kualitatif melalui studi pustaka terhadap literatur klasik fiqh, fatwa DSN-MUI, serta regulasi dan praktik perbankan syariah kontemporer. Hasil kajian menunjukkan bahwa kedua akad tersebut berlandaskan pada prinsip bagi hasil (profit and loss sharing), namun memiliki perbedaan mendasar dalam struktur risiko, pola partisipasi, dan tanggung jawab modal. Musyarakah menawarkan pendekatan partisipatif berbasis kepemilikan bersama, sementara Mudharabah mengandalkan kepercayaan satu arah antara pemilik modal dan pengelola. Dalam konteks risiko dan keadilan, Musyarakah cenderung lebih seimbang, sedangkan Mudharabah lebih rentan terhadap moral hazard dan asimetri informasi. Kajian ini merekomendasikan perlunya desain kontrak dan tata kelola yang lebih kuat dalam penerapan kedua akad agar tetap sesuai dengan prinsip maqashid al-shariah serta menciptakan sistem pembiayaan syariah yang inklusif dan berkelanjutan.
Kelemahan Kedudukan Pembuktian Keterangan Anak Korban Dalam Perkara Asusila: Muammar, Muammar; Meldandy, Maulana; Sardari, Ahmad Asif
Al-Mizan (e-Journal) Vol. 20 No. 2 (2024): Al-Mizan (e-Journal)
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Institut Agama Islam Negeri Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/am.v20i2.4622

Abstract

The weak position of witness testimony of child victims of indecent crimes, due to the position of witness testimony of child victims cannot be fully accounted for in the criminal justice system. This article aims to describe the weak position of witness testimony of child victims of indecent crimes and the reasons for the unreliability of witness testimony of child victims of indecent crimes. This research is based on qualitative research by conducting a study of legislation, court decisions and literature studies. The results showed that the witness testimony of child victims of indecent acts is not considered valid evidence, but still has value as a clue. Article 188 paragraph (1) of the Criminal Procedure Code, the testimony of a child witness who is not sworn can be used as a clue even though it does not fulfil the formal requirements of evidence. In Supreme Court Decision Number 3913 K/Pid.Sus/2019, it is stated that child witness testimony, although it does not have full evidentiary power because it is not sworn, is still considered to strengthen other evidence. To fulfil the minimum requirement of two pieces of evidence, child witness testimony must be supported by other valid evidence. Therefore, the criminal justice system needs to give special treatment to child witness testimony in immoral cases so that it remains valuable in evidence.
Co-Authors Meldandy, Maulana Muammar Muammar, Muammar Rinaldy, Asfar