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Dispute Resolution in Sharia Banking: Challenges and Judicial Reform for Enhanced Legal Certainty Purnomo, Budi; Aziz, Abdul; Achmad, Achmad; Sugianto, Sugianto
International Journal of Tourism and Hospitality in Asia Pasific Vol 7, No 3 (2024): October 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijthap.v7i3.3469

Abstract

Sharia banking, a growing sector within Indonesia's civil law system, operates under Islamic legal principles while serving diverse clients, both Muslim and non-Muslim. This research explores the challenges in resolving disputes within Sharia banking, emphasizing the need for judicial integration. The study utilizes both a legislative and conceptual approach, examining relevant laws and regulations, while developing a comprehensive framework for judicial reform. Results indicate that despite the Religious Courts' authority over Sharia economic disputes, jurisdictional ambiguity persists, often leading to confusion. Additionally, the study highlights the importance of alternative dispute resolution (ADR), such as mediation and arbitration, which aligns with Sharia principles and offers a faster, cost-effective means of resolving disputes. The findings suggest that a unified judicial system, with the Religious Courts as the sole authority in Sharia economic disputes, coupled with strengthened ADR mechanisms, would promote legal certainty and support the sustainable development of Indonesia's Sharia banking sector. Implications include recommendations for enhancing regulatory frameworks, improving judicial competence, and fostering collaboration between regulatory authorities, industry stakeholders, and the judiciary to ensure fair and efficient dispute resolution.
Generasi Insan Maju Berbasis dalam Perspektif Tafsir Penyucian Jiwa Al-Mizan Thabataba’i Achmad, Achmad; Layyinah, Rahmatika; Rahman, Fadhlu
Hanifiya: Jurnal Studi Agama-Agama Vol 2, No 2 (2019): Hanifiya: Jurnal Studi Agama-Agama
Publisher : Program Studi Studi Agama-Agama Pascasarjana UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (495.88 KB) | DOI: 10.15575/hanifiya.v2i2.7312

Abstract

The perspective of materialism initiated by some western scholars has obscured the concept of man. One of them is limiting that humans are merely material, the implication is that the progress of a generation is determined by the abundance of material aspects. In addition, by limiting humans to materiality, it also affirms human limitations, due to limited material. If humans are only limited matter, when the material is destroyed, human existence ends. The above view is increasingly making efforts to foster materialism, thus giving serious problems to almost all social order. Of course the above view is not in accordance with the principles in the Koran. However, in some circles of Islam there is a similarity with materialists regarding the benchmarks of the success of a human progress that is through achievements that are materialistic and put aside the spiritual elements, one of which is the discourse of territorial control in the name of Islam carried by radical Islamism, even willing to do acts of terror that worry the public. Fatally, this was legitimized through their interpretation of the Koran. These two understandings, both materialism and radical Islamism are not able to create an advanced generation, because they deny the spiritual or psychological element of man which is the most principle for humans, which distinguishes humans from other creatures. In addition to the two contexts of the problem, Islam in the archipelago is geneologically has a character that tends to be spiritual, so it is not appropriate to develop the concept of an advanced archipelago based on materialistic achievements as promoted by modernist materialism and radical Islamism. Purification of souls interpreted by Thabathaba'i in Al-Mizan provides an advanced concept of spiritual construction based on the Qur'an which is essential and in line with the spiritual characteristics of the archipelago. From it, an important aspect of humanity, which is spirituality, is to be accommodated, and used as a motor to create an advanced spiritual person, without ignoring materiality. This paper seeks to uncover Thabathabai's interpretation and is contextualized with the views of Islamic and Sufi philosophers regarding the mentality of the soul and its relationship to human behavior with descriptive analysis methods. Thus the spiritual beings of the archipelago are developed going forward that accommodate all aspects of humanity and are based on the Qur'an.
Membangun Kesadaran Halal Bagi UMKM Melalui Sosialisasi Dan Pendampingan Sertifikasi Halal Laksamana, Rio; Bustami, Bustami; Ardelia, Aya Sofia; Mubaraq, Abd; Achmad, Achmad
Dedikasi Sains dan Teknologi (DST) Vol. 4 No. 2 (2024): Artikel Riset Nopember 2024
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/dst.v4i2.4846

Abstract

Kegiatan ini merupakan kolaborasi antara Tim PKM Fakultas Ekonomi dan Bisnis (FEB) Universitas Tanjungpura dengan LP3H Halal Center Salimah Kalimantan Barat serta PW Salimah Kalimantan Barat. Tujuan utama kegiatan ini adalah untuk meningkatkan kesadaran dan pemahaman UMKM di Kota Pontianak tentang pentingnya sertifikasi halal serta membantu mereka dalam proses pengajuan sertifikasi halal. Melalui sosialisasi yang diikuti oleh 30 peserta UMKM, kegiatan ini berhasil meningkatkan pengetahuan peserta tentang manfaat sertifikasi halal yang meliputi peningkatan daya saing usaha, perluasan akses pasar, dan peningkatan kepercayaan konsumen. Pemateri, Dr. Bustami, SE, M.Si dan Dr. Rika Wulandari, S.Si., M.Si, memberikan penjelasan yang rinci tentang konsep halal, proses pengajuan, dan persyaratan sertifikasi halal oleh LPPOM MUI. Kegiatan ini menganut anggapan keliru mengenai sertifikasi halal, sehingga peserta memiliki pandangan yang lebih jelas dan positif. Hasil kegiatan menunjukkan bahwa banyak peserta memerlukan pendampingan lebih lanjut dalam proses pengajuan sertifikasi dan informasi mengenai skema pembiayaan. Berdasarkan hasil tersebut, disarankan untuk menyediakan pendampingan program berkelanjutan, menyebarkan informasi tentang skema pembiayaan, serta menjalin kerjasama yang lebih erat dengan pemerintah dan lembaga terkait.
Pengaruh Fasilitas, Keberagaman Produk, Harga dan Kualitas Pelayanan Terhadap Keputusan Pembelian di Supermarket Syariah (Studi Kasus PT. Cepat Versi Arli Singkawang) Hendrawan, Hendrawan; Wahyudi, Wahyudi; Ardelia, Aya Sofia; Achmad, Achmad
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13001

Abstract

The study aims to determine the effect of facilities, product diversity, price, and service quality on purchasing decisions at Islamic supermarkets (PT. Cepat Versi Arli) Singkawang City. This study consists of independent variables of facilities, product diversity, price and service quality, dependent variables of service decisions. The type of research used is descriptive quantitative research. The population in this study were customers who had shopped at PT. Cepat Versi Arli Singkawang City. The data collection technique uses the distribution of questionnaires with questions or statements that have been provided and distribution via g-form. The sample taken amounted to 100 respondents. The analysis method used is multiple linear regression analysis with the SPSS version 26. The results showed that partially the facility variable had a positive and significant effect on purchasing decisions, product diversity had a positive and insignificant effect on purchasing decisions, price had a positive and significant effect on purchasing decisions, service quality had a positive and significant effect on purchasing decisions. Simultaneously, the variables of facilities, product diversity, price and service quality have a positive and significant effect on purchasing decisions.
Predicting Financial Distress In Companies Listed On The Indonesia Sharia Stock Index (ISSI): An Examination Of The Zmejewski, Springate, And Altman Models Achmad, Achmad; hayet, hayet
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13308

Abstract

Financial distress is a state that indicates the downward trend in an enterprise’s cash flow that occurs to bankruptcies. The purpose of this study is to compare the predictive model Altman, Zmijewski, and Springate in order to determine the parameters of corporate financial traouble. 24 manufacturing firms included in the Indonesia Islamic Stoc Index made up the sample. The study’s finding demonstrated that the prediction model was successful in identifying the financial difficulties of the business. Among the models, the Zmijewski model has the highest accuracy and thus the best model performance.
Studi Kasus Perang Saudara di Yugoslavia pada Tahun 1991 - 1992 Ditinjau dari Aspek Hukum Humaniter dan HAM serta Manfaatnya bagi TNI Angkatan Laut Wicaksono, Isa Agung; Prawiro, Suharno; Achmad, Achmad
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 2 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i2.1079

Abstract

This study aims to analyze the civil war that occurred in Yugoslavia between 1991 and 1992, focusing on the perspective of humanitarian law and human rights (HAM). The war involving various ethnic groups had a major impact on civil society and challenged the application of humanitarian law principles, such as protection of civilians and limitations on the use of force in conflict. This study also explores the implications of the civil war on international policy and the role of the Indonesian Navy, especially in implementing the principles of humanitarian law and human rights in the context of military operations abroad. Through a case study approach, this study is expected to provide a deeper understanding of the importance of strengthening the capabilities of the Indonesian Navy in dealing with armed conflict situations while still prioritizing the protection of human rights and international humanitarian law. The benefits of this study can be a reference for improving the training and readiness of Indonesian navy troops in facing international peacekeeping tasks in the future. when viewed from humanitarian law and human rights, namely the existence of an educational aspect, one of which is the importance of the role of diplomacy for the Indonesian Navy in accordance with the role carried out in efforts to maintain peace and defense and security cooperation, especially at sea as part of national diplomacy. The existence of an inspirational aspect, one of which is the need for peace values ??and maintaining good relations and establishing cooperation in regional and global environments to avoid war by seeking diplomatic functions and the existence of an instructive aspect, one of which is that International Humanitarian Law and Human Rights must be a guideline for every Indonesian Navy soldier in carrying out their duties, especially officers and commanders in the Unit.
Pemanfaatan Limbah Jerami Dan Sekam Padi Menjadi Arang Briket Sebagai Sumber Energi Baru Terbarukan Di Desa Pulongrambe Kabupaten Grobogan Achmad, Achmad; Rejeki, Afifah Tri; Listiana, Arnetta; Dewa, Grabiella; Sari, Intan Nurmala; Wisnu, Laksmidari Khansa Bella; Anisah, Lely Nur; Erlangga, Mikael Figo Bara; Alfatih, Muhammad Wildan
JPEMAS: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2023): JPEMAS : Jurnal Pengabdian Kepada Masyarakat
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sosialisasi pemanfaatan jerami sebagai energi terbarukan merupakan sebuah kegiatan yang diadakan di Desa Pulongrambe yang bertujuan untuk menanggulangi masalah limbah pertanian yaitu jerami dan sekam padi. Sasaran yang dituju adalah karang taruna dan tokoh masyarakat. Tahapan sosialisasi terdiri dari : Pertama, observasi dan wawancara lapangan untuk indentifikasi masalah, kedua, Pemaparan materi, ketiga, Praktik pembuatan arang briket dimulai dari proses pengeringan jerami dan sekam padi, proses pencampuran jerami dengan tepung kanji, proses pencetakan dilanjutkan dengan proses pengeringan dan diakhiri dengan tanya jawab. Dengan adanya kegiatan sosialisasi ini, Dampak yang terlihat secara langsung adalah masyarakat Desa dapat meningkatkan kreativitas dan wawasan dalam melakukan pengolahan limbah jerami yang ada. Pada akhirnya warga masyarakat di Desa Pulongrambe dapat memanfaatkan limbah jerami dan sekam padi menjadi arang briket sebagai sumber energi baru yang terbarukan untuk mengurangi limbah pertanian. Masyarakat desa mendapatkan mata pencaharian atau sumber penghasilan baru.
IMPLEMENTASI KONSEP PBSD PADA MODIFIKASI STRUKTUR ATAS GEDUNG 4 LANTAI DI KOTA MALANG Achmad, Achmad; Rochman, Taufiq; Raharjo, Bobby Asukmajaya
Jurnal Online Skripsi Manajemen Rekayasa Konstruksi (JOS-MRK) Vol. 6 No. 1 (2025): EDISI MARET
Publisher : Jurusan Teknik Sipil Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/jos-mrk.v6i1.6183

Abstract

Gempa bumi merupakan bencana alam yang umum terjadi hampir diseluruh dunia. Jenis bencana ini umumnya diakibatkan adanya pergerakan lapisan tanah yang disebabkan banyak faktor, salah satunya gesekan antar lempeng benua. Performance Based Seismic Design (PBSD) merupakan konsep dasar perencanaan struktur gedung tahan gempa yang didesain dengan level kerusakan. Dengan kata lain, struktur yang dirancang pasti akan mengalami kerusakan saat terjadi gempa. Konsep PBSD dinilai sebagai metode yang paling efektif dalam menanggulangi fenomena kehancuran struktur bangunan saat terjadi bencana gempa dan struktur dapat dikatakan lebih ekonomis dan lebih bersifat daktail sehingga kegagalan struktur dapat diminimalisir sekecil mungkin. Konsep PBSD yang akan diterapkan pada Gedung 4 lantai di kota Malang. Gedung akan dimodifikasi pada geometri strukturnya bertujuan mencegah rotasi pada struktur tersebut. Fungsi bangunan sebagai sekolah maka merujuk pada SNI 1726:2019 menentukan bahwa fungsi bangunan mempengaruhi tingkat risiko gempa yang terjadi dan sekolah termasuk tingkat risiko tertinggi, sebagai tambahan gempa juga diskalakan dengan gempa dinamis, sebelumnya struktur hanya dipertimbangkan hingga gempa statis. Tujuan dari skripsi ini adalah mengetahui permodelan 3D dalam mempertimbangkan kelakuan struktur, kekakuan struktur, metode CQC atau SRSS pada gaya gempa dinamik, pengecekan partisipasi massa dan pengecekan simpangan antar tingkat akibat beban gempa dan beban lainnya. Mengetahui gaya-gaya dalam yang didapat dari software setelah dikatakan aman dari pembebanan dan mendesain elemen struktur dengan acuan Ru x Rn untuk mendapatkan dimensi yang digunakan pada struktur atas dan bawah. Diperoleh hasil perhitungan sebagai berikut : Dimensi B1 30/60 cm dan Tie beam dengan tulangan tarik 4D19 dan tulangan tekan 3D19. B2 25/30 cm dengan tulangan tarik 3D19 dan tulangan tekan 2D19. B3 30/40 cm dengan tulangan tarik 3D19 dan tulangan tekan 2D19. Pelat lantai tebal 125 mm dengan tulangan lentur arah x dan y 10 – 150 mm, pada tulangan susut arah x dan y 8 – 150 mm. Pelat atap tebal 100 mm dengan tulangan lentur arah x 8 – 150 mm, tulangan lentur arah y 8 – 100 mm, pada tulangan susut arah x dan y 6 – 150 mm. Pelat tangga tebal 150 mm dengan tulangan lentur arah x 10 – 200 mm dan tulangan lentur arah y 10 – 250 mm. K1 dengan tulangan 12D19. Pilecap tebal 500 mm dengan tulangan lentur atas arah x dan y D10 – 100 mm dan tulangan lentur bawah arah x dan y D16 – 100 mm. Tiang Borepile dengan dimensi 40 cm dengan jumlah tulangan 6D13. Struktur atas dikatakan translasi pada kedua arah sesuai SNI 1726:2019 pasal 7.7.3, kekakuan dan kelakukan sesuai peraturan SNI 1726:2019 dan Simpangan antar tingkat 56,25 mm (Simpangan Izin) > 27,9 mm (Simpangan terbesar terjadi) maka dikatakan aman.
Empowerment of Anti-Money Political Villages to Create Elections with Integrity Wahyuni, Sri; Riwanto, Agus; Achmad, Achmad; Ummul Firdaus, Sunny
International Journal Of Community Service Vol. 2 No. 4 (2022): November 2022 (Indonesia - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v2i4.159

Abstract

Pilkada is one form of democracy in the regions that need to be ensured that its implementation is in accordance with procedures so as not to lose the meaning of democracy itself. Bawaslu has an essential role in realizing elections with integrity without the practice of money politics. One of the tasks of Bawaslu is to prevent the practice of money politics. One of the crucial components in the implementation of regional head elections (Pilkada) is the village and its citizens. The village, which is the closest component to the community in the election, becomes a place for the practice of money politics. The integrity of the Pilkada can be destroyed because of the practice of money politics that occurs in the village. A strategy to prevent money politics is needed in the village by building an anti-money politics village in order to strengthen local democracy.
DETERMINASI RISIKO KREDIT PADA PERBANKAN SYARIAH INDONESIA Achmad, Achmad; Fauzi, Ahmad
Jurnal Ekonomi Integra Vol 15, No 2 (2025): Vol 15, No 2 (2025): Jurnal Ekonomi Integra
Publisher : STIE 'INDONESIA' Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51195/iga.v15i2.408

Abstract

Islamic banking is an essential component of the global financial system, offering financial products and services based on Sharia principles. One of the key challenges faced by Islamic banks is the risk of non-performing financing (NPF), as financing is their primary product. This study aims to analyze the factors influencing NPF in Islamic commercial banks in Indonesia during the period 2019–2023, using panel data regression analysis. The results show that the Operating Cost to Operating Income ratio (OCOI), Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Financing to Deposit Ratio (FDR) do not have a statistically significant effect on NPF. Although OCOI does not show a direct impact, a high increase in OCOI may reduce resources allocated for risk management, potentially increasing NPF if portfolio oversight is weak. CAR reflects capital adequacy but does not necessarily indicate financing quality. High ROA does not always ensure proportionate risk management, especially during aggressive financing expansion. FDR also shows no significant impact, as the profit-sharing system in Islamic banking allows for risk-sharing between banks and customers.