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All Journal Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Indonesian Journal of Islamic Economics and Finance Nidhomiya: Research Journal of Islamic Philanthropy and Disaster
Abadi, Said
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Religion Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Perlindungan Nasabah Muslim dalam Transaksi Non-Tunai Perspektif al-Dharuriyyat al-Khamsah Abadi, Said
Indonesian Journal of Islamic Economics and Finance Vol 1 No 2 (2021)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (287.855 KB) | DOI: 10.37680/ijief.v1i2.1167

Abstract

This paper attempts to analyze customer protection practices in non-cash transactions in Indonesia and explore the perspective of al-dharuriyyat al-khams on the protection of Muslim customers in non-cash transactions. The trend of non-cash transactions in Indonesia has become increasingly widespread since 2014 when Bank Indonesia socialized the National Non-Cash Movement. However, along with these developments, there are several weaknesses and questions related to customer protection in general and Muslim customers in particular. Some security cases include loss of electronic money cards, failed transactions, sudden decrease in balance and the imposition of additional e-money fees, and several other cases. This type of research is literary research that uses a variety of library information (library research). While the approach used is a qualitative approach which refers to the data normatively. The results of the study conclude: first, the position of consumers/customers in non-cash transactions in Indonesia, even though the legal instruments are quite complete, are practically not sufficient to protect them properly. Second, based on the five principles of maintaining al-dharuriyyat al-khams, namely the protection of religion, soul, mind, lineage and property, it is clear that efforts to protect Muslim customers in non-cash transactions have been carried out but in a security system in transactions, customer data security systems, and socialization of important information related to customers still needs to be improved.
Praktik Akad Nikah Bagi Mempelai Tunawicara dalam Perspektif Kompilasi Hukum Islam Baihaqi, Achmad; Abadi, Said
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 3 No 2 (2021)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v3i2.1171

Abstract

The author is interested in researching the practice of the marriage contract with the bride and groom who have limitations in pronouncing the contract (impaired), from practice in the field it is often the case that the marriage contract of the non-verbal bride is carried out by a representative but without a clear power of attorney, it is not entirely wrong. Because sometimes both parties believe that there will be no dispute in the appointment of representatives. The bride and groom base the implementation of their marriage contract on the encouragement of the community, clerics, customs, and indeed an agreement between the two parties. The approach method used in this paper is a juridical-normative approach in the study of fiqh. A juridical approach by examining legal rules and a normative approach in the study of fiqh is used in analyzing problems that occur in society. For provisions that require the granting of power in writing, basically it is not stipulated in the book of fiqh. In fact, fiqh explicitly stipulates that it can be in the form of words (عبارة) or in written form. There is nothing wrong with the provisions stipulated by the Compilation of Islamic Law, which are promulgated, following the rules of al-maslahah al-mursalah which have been explained or the concept in the book of Bughyah al-Mustarsyidn which says that government decrees which are not forbidden by the Shari'a must be obeyed physically and mentally. If it is against the Shari'a, such as obliging something that is haram, then it is enough to obey outwardly. In article 17 paragraph (3) of the KHI which reads "For the prospective bride and groom who suffers from speech impairment or deafness, consent can be stated in writing or signs that can be understood," so without a power of attorney there is nothing wrong or allowed. What is clear is that the marriage is still valid, the KUA does not require the speech-impaired bride and groom to make or show a power of attorney.
Efektivitas Pendayagunaan Dana Zakat melalui “Program BISA” untuk Meningkatkan Kesejahteraan Bunda Yatim di Lembaga Amil Zakat Yatim Mandiri Ponorogo Valentina, Serli Rinda; Abadi, Said
Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Vol. 2 No. 1 (2023): Islamic Philanthropy and Disaster
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/nidhomiya.v2i1.2133

Abstract

This article discusses the effectiveness of utilizing zakat funds at LAZ Yatim Mandiri Ponorogo through the Bunda Mandiri Sejahtera (BISA) Program to improve the welfare of widows. This study uses a qualitative descriptive method. The data collection techniques used are interviews, observation, and documentation. The interview was with the Head of LAZ Yatim Mandiri, the Program Staff, and the widows. Data analysis techniques are carried out by processing the obtained data, presenting it, organizing it, then drawing conclusions based on the facts in the field. The results contain three main points of the results. First, the provision of zakat funds aimed at productive businesses is notably helpful in increasing the productivity of mustahik compared to the provision of zakat funds for consumption purposes only. The zakat funds managed to build sustainable businesses. If productivity continues to increase, it will increase the economic income of the mustahik. Thus, hopefully, they can become zakat givers in the future. Second, the effectiveness of utilization of zakat funds through the BISA Program for the indicators of program socialization, program objectives achievement, and program monitoring have been running effectively. Only for targeting accuracy indicators, it still has not been effective. The business profits generated by the widows have increased compared to before participating in the BISA Program. Third, the obstacles in implementing the BISA Program are the presence and commitment of the members, the curriculum that is not fully delivered, and the availability of external facilitators. Based on the results concluded that the BISA Program of LAZ Yatim Mandiri Ponorogo has been running effectively, but there are still obstacles to its implementation. In general, LAZ Yatim Mandiri Ponorogo has succeeded in utilizing zakat funds to improve the welfare of widows through the BISA Program. Artikel ini membahas tentang efektivitas pendayagunaan dana zakat pada Program Bunda Mandiri Sejahtera (BISA) oleh LAZ Yatim Mandiri Ponorogo dalam meningkatkan kesejahteraan bunda yatim (janda). Penelitian ini menggunakan metode deskriptif kualitatif dimana teknik pengumpulan data yang digunakan, yaitu wawancara, observasi, dan dokumentasi. Wawancara dilakukan kepada Pimpinan LAZ Yatim Mandiri, Staff Program, dan bunda yatim. Teknik analisis data dilakukan dengan mengolah data yang diperoleh, disajikan dan diorganisir, lalu menarik kesimpulan atas fakta-fakta di lapangan. Hasil penelitian meliputi tiga poin utama. Pertama, pemberian dana zakat yang ditujukan untuk usaha produktif merupakan hal yang sangat membantu dalam meningkatkan produktivitas mustahik dibandingkan dengan pemberian dana zakat untuk keperluan konsumsi. Dana zakat produktif yang diberikan kemudian dikelola untuk berproduksi secara berkelanjutan. Apabila produktivitasnya terus meningkat, maka akan meningkatkan pendapatan ekonomi mustahik sehingga harapannya kelak dapat berubah menjadi pemberi zakat. Kedua, efektivitas pendayagunaan dana zakat melalui “Program BISA” pada indikator sosialisasi program, pencapaian tujuan program, dan pemantauan program sudah efektif, tetapi untuk indikator ketepatan sasaran belum efektif. Jumlah keuntungan usaha yang dimiliki oleh bunda yatim mengalami peningkatan dari sebelum mengikuti “Program BISA”. Ketiga, kendala dalam pelaksanaan “Program BISA”, di antaranya kehadiran dan komitmen para anggota, kurikulum pembinaan yang tidak tersampaikan secara keseluruhan, dan kesibukan fasilitator eksternal. Berdasarkan hasil penelitian dapat disimpulkan “Program BISA” LAZ Yatim Mandiri Ponorogo telah berjalan dengan efektif, tetapi masih ditemukan kendala dalam pelaksanaannya. Secara umum, LAZ Yatim Mandiri Ponorogo berhasil mendayagunakan dana zakat untuk meningkatkan kesejahteraan bunda yatim melalui “Program BISA”.
Perlindungan Nasabah Muslim dalam Transaksi Non-Tunai Perspektif al-Dharuriyyat al-Khamsah: Protection of Muslim Costumers in Non-Cash Transactions a-Dharuriyyat al-Khamsah Perspective Abadi, Said
Indonesian Journal of Islamic Economics and Finance Vol. 1 No. 2 (2021)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v1i2.1167

Abstract

This paper attempts to analyze customer protection practices in non-cash transactions in Indonesia and explore the perspective of al-dharuriyyat al-khams on the protection of Muslim customers in non-cash transactions. The trend of non-cash transactions in Indonesia has become increasingly widespread since 2014 when Bank Indonesia socialized the National Non-Cash Movement. However, along with these developments, there are several weaknesses and questions related to customer protection in general and Muslim customers in particular. Some security cases include loss of electronic money cards, failed transactions, sudden decrease in balance and the imposition of additional e-money fees, and several other cases. This type of research is literary research that uses a variety of library information (library research). While the approach used is a qualitative approach which refers to the data normatively. The results of the study conclude: first, the position of consumers/customers in non-cash transactions in Indonesia, even though the legal instruments are quite complete, are practically not sufficient to protect them properly. Second, based on the five principles of maintaining al-dharuriyyat al-khams, namely the protection of religion, soul, mind, lineage and property, it is clear that efforts to protect Muslim customers in non-cash transactions have been carried out but in a security system in transactions, customer data security systems, and socialization of important information related to customers still needs to be improved.
Praktik Akad Nikah Bagi Mempelai Tunawicara dalam Perspektif Kompilasi Hukum Islam Baihaqi, Achmad; Abadi, Said
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 3 No. 2 (2021)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v3i2.1171

Abstract

The author is interested in researching the practice of the marriage contract with the bride and groom who have limitations in pronouncing the contract (impaired), from practice in the field it is often the case that the marriage contract of the non-verbal bride is carried out by a representative but without a clear power of attorney, it is not entirely wrong. Because sometimes both parties believe that there will be no dispute in the appointment of representatives. The bride and groom base the implementation of their marriage contract on the encouragement of the community, clerics, customs, and indeed an agreement between the two parties. The approach method used in this paper is a juridical-normative approach in the study of fiqh. A juridical approach by examining legal rules and a normative approach in the study of fiqh is used in analyzing problems that occur in society. For provisions that require the granting of power in writing, basically it is not stipulated in the book of fiqh. In fact, fiqh explicitly stipulates that it can be in the form of words (عبارة) or in written form. There is nothing wrong with the provisions stipulated by the Compilation of Islamic Law, which are promulgated, following the rules of al-maslahah al-mursalah which have been explained or the concept in the book of Bughyah al-Mustarsyidn which says that government decrees which are not forbidden by the Shari'a must be obeyed physically and mentally. If it is against the Shari'a, such as obliging something that is haram, then it is enough to obey outwardly. In article 17 paragraph (3) of the KHI which reads "For the prospective bride and groom who suffers from speech impairment or deafness, consent can be stated in writing or signs that can be understood," so without a power of attorney there is nothing wrong or allowed. What is clear is that the marriage is still valid, the KUA does not require the speech-impaired bride and groom to make or show a power of attorney.
Co-Authors Achmad Baihaqi Valentina, Serli Rinda