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TENTIYO SUHARTO ANALISIS JENIS–JENIS KONTRAK DALAM FIQH MUAMALAH TENTIYO SUHARTO; Sri Sudiarti
Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol. 1 No. 2 (2022): Juli 2022
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1112.579 KB) | DOI: 10.55537/mumtaz.v1i2.184

Abstract

Abstract Sebagai makhluk sosial, manusia tidak bisa lepas untuk berhubungan dengan orang lain dalam kerangka memenuhi kebutuhan hidupnya. Kebutuhan manusia sangat beragam, sehingga terkadang secara pribadi ia tidak mampu untuk memenuhinya dan harus berhubungan dengan orang lain. Hubungan antara satu manusia dengan manusia lain dalam memenuhi dan mengatur kebutuhannya dikenal dengan istilah muamalah sehingga dikatakan manusia adalah makhluk sosial, maka harus terdapat aturan yang menjelaskan hak dan kewajiban keduanya berdasarkan kesepakatan. terutama dalam masalah ekonomi tentunya akan sering kali ditemui sebuah perjanjian/kontrak atau akad. Penelitian ini merupakan penelitian pustaka yang datanya melalui sumber pustaka, yaitu kajian pustaka melalui penelitian kepustakaan. Studi kepustakaan (library Research) berkaitan erat dengan kajian teoritis dan referensi lain yang terkait dengan relevansi dengan pendekatan Al-Qur’an, Hadist dan sumber hukum Islam lainnya dalam perspektif ekonomi syariah. Dalam muamalah Jenis transaksi dikenal istilah Kontrak Tijarah dan Tabarru’. Kontrak atau Tijarah dibedakan menjadi dua. Pertama Natural Certainty Contract (NCC) meliputi: Ba’i. Murabahah, Salam, Istisna, Ijarah, Ijarah Munthaiya bit Tamlik dan Sharf. Kedua Contract Natural Uncertainty Contract (NUC) Meliputi: Mudharabah, Musyarakah, Musaqah dan Muzaroah. Sedangkan kontrak atau akad Tabarru’ dibedakan menjadi tiga yaitu Dalam bentuk meminjamkan uang yaitu Qard, Rahn , Hiwalah, Kedua Dalam bentuk meminjamkan Jasa yaitu Wakalah, Wadi’ah, Kafalah, Ketiga dalam bentuk Memberikan Sesuatu. Yaitu hibah, wakaf, shadaqah, hadiah, dan lain lain. Kata Kunci: Kontrak, Perjanjian, Akad, Hukum Islam, Ekonomi, Muamalah, Tijarah, Tabarru’, Al-Qur’an, Hadis, Relevansi
Pemanfaatan Penyaluran Alokasi Dana Desa Rintis Kecamatan Silangkitang Kabupaten Labuhanbatu SelatanTahun 2019-2021 Tri Kurniati; Sri Sudiarti; Laylan Syafina
Jurnal Akuntansi dan Keuangan Vol. 1 No. 4 (2022): Oktober 2022
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (214.543 KB) | DOI: 10.54259/akua.v1i4.1157

Abstract

The purpose of this study was to find out the use of the village fund allocation budget in 2019 before the pandemic and in 2020-2021 during the Covid-19 pandemic in Rintis Village, Silangkitang District, South Labuhanbatu Regency. This research is a qualitative descriptive study. The subjects of this study amounted to 7 people including the Village Head, Village Secretary, Village Head and the community. This study uses qualitative data types with primary and secondary data sources and data collection techniques are observation, interviews and documentation. The data analysis technique uses data reduction, data presentation and verification. The results showed that Rintis Village, Silangkitang District, Labuhanbatu Selatan Regency used the village fund budget in accordance with applicable laws and regulations. The process of budget management or planning is carried out by means of planning, implementation, administration, reporting and accountability. In 2019 before the pandemic, village funds were used for village development and other community development, while in 2020-2021 during the COVID-19 pandemic, village funds were used to handle COVID-19 prevention and Village Cash Direct Assistance in accordance with the Village Minister Regulation regarding priority use. village funds in 2020 and 2021.
Is Literacy Improving the Intention of The Younger Generation to Use Islamic Non-Bank Financial Products? Sugianto Sugianto; Andri Soemitra; Sri Sudiarti; Nur Amadi Bi Rahmani
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6519

Abstract

Abstrak Industri perbankan secara historis mendominasi lembaga keuangan Islam. Bahkan, Lembaga Keuangan Non-Bank (LKNB) memberikan alternatif bagi kebutuhan keuangan masyarakat yang berbeda-beda. Bagi Lembaga Keuangan Non-Bank Syariah, generasi muda muslim merupakan target pasar yang sangat menjanjikan. Tujuan dari penelitian ini adalah untuk melihat apakah literasi dapat meningkatkan minat kaum muda Muslim untuk menggunakan produk Lembaga Keuangan Non Bank. Pada 138 remaja muslim di Sumatera Utara, penelitian ini menggunakan metode kuantitatif dengan analisis regresi linier sederhana. Temuan penelitian menunjukkan bahwa literasi berpengaruh positif dan signifikan terhadap niat generasi muda Muslim untuk menggunakan produk Lembaga Keuangan Non-Bank Syariah. Sosialisasi dan pendidikan, baik formal maupun informal, merupakan elemen penting dalam meningkatkan literasi generasi muda Muslim. ar, keuangan Islam Abstract The banking industry has historically dominated Islamic financial institutions. In fact, Non-Bank Financial Institutions (NBFIs) provide alternatives for the public's different financial needs. For Islamic Non-Bank Financial Institutions, the youthful Muslim generation is a very promising target market. The goal of this study is to see whether literacy can improve young Muslims' intention to use Non-Bank Financial Institutions' products. On 138 Muslim youngsters in North Sumatra, this study takes a quantitative method with simple linear regression analysis. The study's findings show that literacy has a positive and significant impact on the younger generation of Muslims' intentions to use Islamic Non-Bank Financial Institutions products. Socialization and education, both formal and informal, are important elements in raising the literacy of Muslims' younger generations.  
The Role of the Water Police in Maintaining the Stability of the Indonesian Maritime Economy Sri Rahmawati Isnaini Ginting; Sri Sudiarti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.493

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Indonesia as a maritime country already has laws that regulate the economy and maritime affairs. However, criminal acts in Indonesian waters continue to occur, whether committed by foreign nationals or Indonesian citizens themselves. This can damage the ecosystem and the Indonesian marine economy will also be threatened with security. Therefore, the role of the marine police is needed in monitoring and maintaining the stability of the marine economy in Indonesia. This research is a descriptive qualitative research. With literature study data collection techniques through documents from existing cases. The results of this study indicate the importance of the role of the marine police in maintaining the stability of the Indonesian marine economy.
Analysis of the Role of Social Services in Improving Community Welfare in Islamic Economic Studies (Case Study at the Office of Social Protection and Social Security in Mandailing Natal Regency) Sri Sudiarti; Rina Sari
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.494

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The Social Service is the implementing element of government affairs in the social sector. The Social Service is led by a Head of Service who is under and responsible to the Regent through the Regional Secretary. The Social Service has the task of assisting in the social sector, including Social Rehabilitation, Social Empowerment, Social Security Protection and Handling the Poor. Along with the many natural and non-natural disasters that occurred in Mandailing Natal, the role of the Social Service is very much needed in order to improve the welfare of the people affected by natural and non-natural disasters. This study aims to determine the role of the Department of Social Affairs in the field of Social Security Protection in improving the welfare of people affected by disasters and non-natural disasters in Mandailing Natal Regency. This study uses qualitative methods and the data used are primary and secondary data. The subject of the research was carried out at the Social Service of Mandailing Natal Regency.
The Role of the Cooperatives and SMEs Office in Empowering Small and Medium Enterprises in Medan City (Study at the North Sumatra Province Cooperatives and SMEs Office) Wina Aprillia; Sri Sudiarti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.495

Abstract

The role department of Cooperatives and UKM of North Sumatra province, one of which is to empower the UKM in the city of Medan has been contained in the RENSTRA of the Department of Cooperatives and UKM of North Sumatra province. The efforts made by the Department of Cooperatives and UKM of North Sumatra province are expected encourage of UKM as an economics power that can improve the welfare and prosperity of the lower and middle class people in Medan City. The purpose of this research is determine the implementation of the UKM empowerment in the Medan City with supporting factors and inhibiting factors. This research uses a descriptive research method using a qualitative approach. The data collection technique uses literature study, observation, interviews, and documentation. The informants used in this research amounted to five people. This research focuses in the implementation of UKM empowerment with supporting factors and inhibiting factors. The results of the research indicate that the empowerment of UKM in the Medan city has been running well and effectively with supporting factors and inhibiting factors. The advice given is the Department of Cooperatives and UKM of North Sumatra province should further optimize its role in empowering UKM, by means of prioritizing empowerment it must first identify UKM based on their level of empowerment and powerlessness in order to optimize the empowerment of UKM in Medan City.
The Role of the DPRD in Maximizing the Regional Design Concerning the Management of Regional Property for the Welfare of the People of North Sumatra Fatwa Nasya Al Hadi; Sri Sudiarti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.496

Abstract

The focus of this research is on the role of the DPRD of North Sumatra for the draft for the formation of regional regulations in 2022 regarding regional property for the welfare of the community. In accordance with the Law of the Republic of Indonesia Number 23 of 2014 concerning Regional Government and Government Regulation Number 27 of 2014 concerning Management of State/Regional Property and Regulation of the Minister of Home Affairs Number 19 of 2016 concerning Guidelines for Management of Regional Property. Regional Property must be managed properly and correctly. The research was conducted using a qualitative approach. The informants studied were information from members of the DPRD of North Sumatra, staff and management of the DPRD of North Sumatra. The results of the study indicate that the draft Regional Regulation on the Management of Regional Property, starting from the review process in accordance with Pancasila and the 1945 Constitution, referring to and guided by the provisions of the statutory hierarchy, prioritizing the welfare of the community, to increasing, accelerating development in North Sumatra Province. Regional Property Management includes 3 (three) main functions, namely proper planning, efficient and effective implementation/utilization and monitoring (monitoring). In order for these three functions to be achieved, the right strategy is needed in the management of Regional Property.
The Effectiveness of Bappeda's Role in Medan City Original Revenue Planning Diah Ayu Agustin; Sri Sudiarti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.499

Abstract

This type of research is descriptive research that focuses on the effectiveness of the role of Bappeda in planning local revenue in Medan City. This study aims to determine the effectiveness of the role of Bappeda in planning the regional original income of the city of Medan. The data is sourced directly from the Bappeda of Medan City and is of the secondary data type. Furthermore, secondary data in question is data regarding the effectiveness of the role of Bappeda in planning local revenue for Medan City. While the secondary qualitative data in question is a reference to several books that concern and support this research. The results of the study indicate that in carrying out its role in terms of planning for increasing the local original tax (PAD) of Medan City, it is still not fully effective, so there needs to be steps or strategies that must be carried out by the Medan City Bappeda such as improving the quality of planning and development documents through strengthening coordination between sectors. development as well as improving the quality of measurement of performance indicators. This is also supported by exploring the potential of the field, counseling about taxpayers, re-collecting data and coordinating with related parties.
Optimizing Bappeda Performance in the Development Planning Process in Medan City in 2021 Fanny Fanny; Sri Sudiarti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.500

Abstract

The purpose of this study was to determine and describe the performance of Bappeda in the role of Regional Development Planning. and to find out how to optimize the performance of Bappeda in regional development. This research is located at BAPPEDA PEMKO MEDAN. This research uses descriptive research. Sources of data collection is done with primary data and secondary data through in-depth interviews. And using data collection methods through observation and documentation. BAPPEDA is a supporting element of the Mayor led by a Head of Agency who is under and responsible to the Mayor of Medan, BAPPEDA is in charge of implementing the implementation of regional policies in the field of urban planning. Bappeda as an element of state administrators has an obligation to carry out its main tasks and characteristics, one of which is manifested in the preparation of performance reports of government agencies that support the mayor's vision, namely "The realization of a blessed, advanced, and conducive society. The people of Medan City” are also supporters of Bappeda's Mission 3, namely the creation of clean fields. The results of this study indicate that the performance of Bappeda in planning the Performance of Bappeda for the City of Medan in 2021 Presenting the achievement of the 2016-2021 strategic targets shows good results. Although there are still realizations of several indicators that have not fully achieved the development planning targets.
Value For Money Analysis in Measuring the Realization of the Program of the Regional Development Planning Agency (Bapedda) of Medan City in Review from the Islamic Economy Nurul Wahidah; Sri Sudiarti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.501

Abstract

This study aims to determine the Value For Money analysis on the realization of the Medan City Regional Development Planning Agency (Bappeda) program. This type of research is descriptive research that focuses on observing the realization of the Medan City Bappeda program through the application of value for money measurements, namely from the point of view of economy, efficiency, and effectiveness. The result of this research is Value For Money analysis which states that the realization of the program from Bappeda Medan City is economical, inefficient, and ineffective. This shows that Bappeda must maximize its performance so that program realization can be carried out properly. Considering that the results obtained are not perfect enough, it is important for the Medan City Bappeda to re-evaluate.