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NORM CHARACTERISTICS OF ISLAMIC BANKING IN INDONESIA ON MURABAHAH INSTRUMENT TOWARDS BEYOND BANKING Nurjannah S; Hilman Syahrial Haq; Khudzaifah Dimyati; Bambang Setiaji
Jurnal IUS Kajian Hukum dan Keadilan Vol 6, No 3 (2018)
Publisher : Fakultas Hukum Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1130.481 KB) | DOI: 10.29303/ius.v6i3.581

Abstract

The dynamics of Islamic banking since 2008 has grown rapidly after the enactment of Law Number 21 Year 2008 concerning Islamic Banking. Murabahah products undergo several stages of review or assessment in order to achieve compatibility between the fundamental aspects of its welfare and operations. The existence of various perceptions and implementations so far has become an important issue to be studied, considering the standardization of technical product which is a minimum standard, required as a reference for implementation products. This study used a type of doctrinal research, with textual inference procedures and qualitative descriptive analysis. The presents of Sharia or Islamic issues, legal issues and operational issues are several characteristics of norms stated in the Islamic Banking Law regarding murabahah instrument. Standard Book of murabahah products based on the Financial Services Authority Regulation which contains the capacity and service standards that are derived from important norms and guidelines in the operation of murabahah instrument. Understanding and implementing the Islamic banking industry brings together two dimensions of value, that are the value of professionals in the financial world and the value of compliance with sharia principles, one of which is the rules of commercial transaction that are not mixed with the rules of credit. These fundamental indicators determine the norm characteristics of Islamic banking in Indonesia. Thus, the construction of legal reforms for Islamic banks as beyond banking is well realized.
Law Enforcement on Sharia Compliance: a Case Study on The Murabahah Consumptive Financing Agreement of Bank A Syariah Nurjannah S; Bambang Setiaji
Jurnal IUS Kajian Hukum dan Keadilan Vol 9, No 2: August 2021 : Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Fakultas Hukum Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v9i2.895

Abstract

Sharia compliance is the basic basis for assessing whether Islamic banks have enforced sharia law. Law enforcement by Islamic banking must reach the element that the bank has implemented the rules of muamalah related to the prohibition of usury and dzolim. The factual phenomenon is fraud in the murabahah consumptive financing contract by Bank A Syariah. This is important to study and analyze considering that law enforcement on sharia compliance in bank A Syariah on contract and financing instruments has an impact on customer and public trust. This research uses normative legal research methods, with a critical legal study approach. The results of the study show that law enforcement is not directly proportional to sharia compliance. There is still a “legal trick” (Hilah) in the murabahah consumptive financing contract. Hilah is part of the legalization of taking usury. Bank A Syariah business activities have not been maximally carried out in the real or productive sector. Productive sectors, such as livestock, food crop agriculture, food and beverage processing industry, and others. Second, murabahah consumptive financing still relies on the pattern of consumptive lending in the form of a privileged civil servant decree as collateral. The object of the contract is money, not the real sector, so that the murabahah contract fraud by Sharia bank A also surfaced. The murabahah contract that is carried out between BA customers and Sharia bank A is one of the cases that justifies Islamic banks only have sharia labels, but their implementation has not been sharia.
Pengetahuan Masyarakat di Kota Samarinda tentang Teknologi Informasi Faldi Faldi; Bambang Setiaji; Rahman Anshari; Rizky Kurniawan Syamat; Hasyrul Hamzah; Widya Rahmah
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol 7 No 1 (2022): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v7i1.2814

Abstract

Human curiosity about something will always increase the level of knowledge because everything known is knowledge. Such is knowledge, along with the times, information technology has become one of the influential factors in business success because of its advantages in facilitating work in everyday life. Everything related to the process, implementation as a tool, manipulation, and information management is a function of information technology. Without the help of information technology in the business world, it can make the promotion of a product less competitive with other competitors, weaken marketing management, worsen the company's infrastructure, and experience difficulties in running the business. This activity aims to see the level of public knowledge related to information technology, which is very helpful in daily life. This service uses a descriptive survey method associated with the level of general knowledge about information technology with a measuring instrument in the form of a questionnaire distributed to the public through webinar activities with random sampling so that 290 respondents are obtained consisting of students, private workers, and so on. Based on the results, it is known that as many as 73.6% of respondents have understood how to apply information technology. As many as 60% of respondents stated that information technology is fundamental in everyday life because it can facilitate all existing work. Most people in Samarinda already know how to apply and the importance of this information technology in promoting their work.
Law Enforcement on Sharia Compliance: a Case Study on The Murabahah Consumptive Financing Agreement of Bank A Syariah Nurjannah S; Bambang Setiaji
Jurnal IUS Kajian Hukum dan Keadilan Vol. 9 No. 2: August 2021 : Jurnal IUS Kajian Hukum dan Keadilan
Publisher : Magister of Law, Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ius.v9i2.895

Abstract

Sharia compliance is the basic basis for assessing whether Islamic banks have enforced sharia law. Law enforcement by Islamic banking must reach the element that the bank has implemented the rules of muamalah related to the prohibition of usury and dzolim. The factual phenomenon is fraud in the murabahah consumptive financing contract by Bank A Syariah. This is important to study and analyze considering that law enforcement on sharia compliance in bank A Syariah on contract and financing instruments has an impact on customer and public trust. This research uses normative legal research methods, with a critical legal study approach. The results of the study show that law enforcement is not directly proportional to sharia compliance. There is still a “legal trick” (Hilah) in the murabahah consumptive financing contract. Hilah is part of the legalization of taking usury. Bank A Syariah business activities have not been maximally carried out in the real or productive sector. Productive sectors, such as livestock, food crop agriculture, food and beverage processing industry, and others. Second, murabahah consumptive financing still relies on the pattern of consumptive lending in the form of a privileged civil servant decree as collateral. The object of the contract is money, not the real sector, so that the murabahah contract fraud by Sharia bank A also surfaced. The murabahah contract that is carried out between BA customers and Sharia bank A is one of the cases that justifies Islamic banks only have sharia labels, but their implementation has not been sharia.
INTRODUKSI PDRB RIEL RANTAI NILAI BAGI BPS SURAKARTA DAN SUKOHARJO Agung Riyardi; Bambang Setiaji; Didit Purnomo; Triyono Triyono
Prosiding Seminar Nasional Manajemen, Ekonomi dan Akuntansi Vol. 1 No. 1 (2016): PROSIDING SEMINAR NASIONAL MANAJEMEN, EKONOMI DAN AKUNTANSI 2016
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NUSANTARA PGRI KEDIRI

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

Abstract

GRDP counting based on chain value method is important to be known by Surakarta’s and Sukoharjo’s stakeholders. The provided data can accompany GRDP counting based on current and constant price methods so that the macro economy of Surakarta and Sukoharjo is described well. The aim of this public serving is to raise the know-how of Surakarta and Sukoharjo Statistics through motivation encouraging, strengthening and sustaining of GRDP chain value method counting. The public service method is an assistancy method by offering discussion, practising and performing a simple ‘animation’ of GRDP counting using chain value method. The result shows that discussion encourages motivation of GRDP counting using chain value method. The result also shows that practicing and performing a simple ‘animation’ of GRDP counting using chain value method do not strengthen and sustain the motivation to raise the know-how. Performing the microsoft powerpoint presentation as a simple ‘animation’ is too simple to sustain the know-how of GRDP counting using value chain method. Therefore, the public serving can motivate the Surakarta and Sukoharjo Statistics, but cannot strengthen and sustain the motivation to raise know-how of GRDP counting using chain value method