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ANALYSIS OF THE PAYMENT COVERAGE AT PT. JASA RAHARJA IN BANDA ACEH ACCORDING TO THE CONCEPT OF KAFALAH Maulana, Muhammad; Fadila, Alifa
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2023): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v4i1.3045

Abstract

The risks that often occur in accidents tend to vary from the mildest accidents to those that take lives. In this case, PT. Jasa Raharja has entered into an agreement with the participants about the type of risk and the premium level that will be given when the risk occurs. However, in some cases, there tends to be a difference in the form of claims made by the participants to the coverage provided by PT. Jasa Raharja so that it can harm the participants who have paid the premium. This thesis is focused on answering three important things, 1) How to assess the condition of the object of coverage for the submission of insurance claims at PT. Jasa Raharja, 2) How is the calculation and determination of the accident insurance value determined by the management of PT. Jasa Raharja Banda Aceh on the risks experienced by participants, 3) What is the perspective of the concept of kafalah on the calculation of the accident insurance value at PT. Jasa Raharja. This research is a qualitative research that is descriptive analysis with a sociological normative approach, where the data obtained is sourced from the results of observations and interviews. The results of the study show that, first, the assessment of the condition of the insured object is categorized into three main groups, namely: treatment (injuries), permanent disability, and death. Second, the value of coverage provided by PT. Raharja services vary according to the risk experienced by participants when an accident occurs. Third, the coverage carried out by PT. Raharja's services to traffic accident victims are in accordance with the concept of kafalah that has been explained by the jurists in the fiqh of muamalah regarding the coverage carried out by third parties against risks that occur based on the agreement of the first, second and third parties. However, in the concept of kafalah, there is no maximum of the amount of insurance costs that must be borne by the kafil for makful'ahu.
SISTEM PEMERIKSAAN ALAT PEMADAM KEBAKARAN PERSPEKTIF MILK AL DAULAH: STUDI PADA PEMADAM KEBAKARAN BANDA ACEH Nurvira, Khairatun Aini; Maulana, Muhammad; Umur, Azmil
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2022): Al-Mudharabah : Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v3i2.5653

Abstract

The Banda Aceh City Fire and Rescue Service must ensure that fire extinguishers are well maintained and can be used at any time in an emergency. Fire extinguishers are state property that are useful for the community. Therefore, the author aims to conduct research to find out how fire extinguishers are inspected at the Banda Aceh City Fire and Rescue Service, as well as what Milk al Daulah's perspective is regarding checking fire extinguishers at the Banda Aceh City Fire and Rescue Service. This research uses a sociological juridical method with a qualitative research type, and data was obtained using interview techniques and documentation. Based on the research results, it was found that, first, inspection and maintenance of fire extinguishers at the Banda Aceh City Fire and Rescue Service was carried out by checking and warming up the engine, checking lubricants and fuel, checking the condition of tires, checking the braking system, checking equipment completeness. fire extinguisher, electrical system inspection, exterior maintenance, water tank drain, and vehicle roadworthiness test. Maintenance is carried out regularly at certain time intervals. Usually every 3 months, 6 months or 1 year. Depends on manufacturer's instructions, vehicle model and components used. Second, the Banda Aceh City Fire and Rescue Service is responsible for inspecting fire extinguishers. So that these tools function and are used properly when a fire disaster occurs. Maintaining fire extinguishers provides benefits to the community. The Banda Aceh city fire and rescue service as the regional government has done its job well in carrying out inspections of fire extinguishers, therefore this is in accordance with the concept of milk al-daulah
Islamic Banking Services for Communities and Families in Aceh Province Post Closure Of Conventional Banks: A Comprehensive Review Maulana, Muhammad; Jihad, Azka Akmalia; Fildzia, Ayrin Sazwa; Ramly, Arroyyan; Shabarullah, Shabarullah
El-Usrah: Jurnal Hukum Keluarga Vol 7, No 2 (2024): EL-USRAH: Jurnal Hukum Keluarga
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ujhk.v7i2.26312

Abstract

Following the enactment of Qanun No. 13 of 2018 concerning Islamic Financial Institutions, some people believe that the closure of conventional banks in Aceh, without viable alternatives, has caused confusion. This is primarily because people were accustomed to using conventional banking facilities for various transactions, both at local, national, and international levels. This study aims to assess the performance of Islamic banks in Aceh after the implementation of Qanun No. 11 of 2018, which replaced conventional banks that had previously provided optimal services to the community. Specifically, the study examines the actions and strategic steps taken by Islamic banks in Aceh to meet the banking needs of the community. It also explores whether the performance and product diversification of Islamic banks have impacted customer satisfaction following the implementation of Qanun No. 11 of 2018 in Aceh. Data was collected through interviews with 23 informants. The findings suggest that while Islamic banks continue to provide services and meet community needs after the conversion, customers still face some technical obstacles, which may give the impression that Islamic banking services are not yet fully effective. However, improvements in post-conversion services appear to be aligned with the regulations set by the government.
Implementasi Fiqih Ibadah Untuk Menambah Minat Mengaji Jama’ah Majelis Ta’lim Nada Al Hikmah Parung Bogor Kurnianingsih, Ananda Mydi; Rahmat, Arip; Zain, Fifi Nurhaliza Putri; Safitri, Lutfiyah; Maulana, Muhammad; Bahri, Saiful
ABDI MOESTOPO: Jurnal Pengabdian Pada Masyarakat Vol 8, No 1 (2025): Januari 2025
Publisher : Universitas Prof. Dr. Moestopo (Beragama)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32509/abdimoestopo.v8i1.4364

Abstract

Fikih ibadah merupakan salah satu kajian ilmu agam islam yang membahas permasalahan hukum syariat dari berbagai aspek kehidupan, seperti hubungan manusia dengan manusia lainnya maupun hubungan manusia dengan tuhanNya (Hablum Minannas dan Hablumminallah). Oleh karenanya dalam pengimplentasiannya diperlukan sarana maupun tempat yang dapat merealisasikan peningkatan pemahaman agama islam tersebut yaitu bertempat di Majelis Taklim Nada Al-Hikmah yang berlokasi di Desa jati Kecamatan parung Kabupaten Bogor. Metode penelitian yang digunakan adalah Partisipation Research Action (PAR) dimulai dari tahapan perencanaan, pelaksanaan kajian fikih ibadah sampai dengan evaluasi atas kajian fikih ibadah. Tujuan dari penelitian ini adalah diharapkan dengan adanya kajian fikih ibadah dapat menambah wawasan ilmu pengetahuan fiqih dan minat mengaji jam’ah majelis ta’lim Nada Al Hikmah, sedangkan hasil penelitian ini menunjukan bahwa terdapat peningkatan yang signifikan akan minat dan antusiame mengaji jamaah ibu-ibu Nada Al-hikmah dalam kajian fikih ibadah. Ditandai dengan bertambahnya wawasan pengetahuan jamaah Nada Al-hikmah menenai dasar hukum-hukum fikih ibadah dan tatacara bersuci dengan baik menurut syariat agama islam, sehingga dapat diimplementasikan dalam kehidupan sehari-hari.
PKM Sosialisasi Dampak Hukum Terhadap Pelaku dan Dampak Sosiologis Korban Perundungan di Yayasan Darul Yatim Utan Panjang Fitryantica, Agnes; bakhtar, suci sukma paramitha; Gadya, Adisa; Adhan, Afirzo; Aflinosa, Chala; Erlina, Erlina; Duha, Ketabahan; Maulana, Muhammad; Ngadiman, Sidik Nur; Rindiantika, Vista
Jurnal Penyuluhan dan Pemberdayaan Masyarakat Vol. 3 No. 3 (2024): Jurnal Penyuluhan dan Pemberdayaan Masyarakat
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jppm.v3i3.741

Abstract

Analisis ini bertujuan untuk memberikan edukasi kepada anak – anak remaja agar mengetahui seberapa buruk tindakan pembullyan dan bagaimana dampak hukum terhadap pelaku dan dampak sosiologis yang akan diderita oleh korban maupun pelaku serta memberikan pemahaman moral kepada anak – anak muda yang mana Pemahaman moral bukan tentang apa yang baik atau buruk, tetapi tentang bagaimana seseorang berpikir sampai pada keputusan bahwa sesuatu adalah baik atau buruk. Peserta didik dengan pemahaman moral yang tinggi akan memikirkan dahulu perbuatan yang akan dilakukan sehingga tidak akan melakukan menyakiti atau melakukan bullying kepada temannya. Tujuan dari Kuliah Kerja Nyata (KKN) merupakan tempat bagi mahasiswa untuk belajar hidup dan mengabdi di masyarakat. Dengan adanya KKN ini, diharapkan mahasiswa dapat berperan dan berpartisipasi secara aktif dalam masyarakat sebab di masyarakat tidak hanya ilmu yang perlu diterapkan tetapi bagaimana cara mahasiswa menyatu dengan lingkungan masyarakat. Kata Kunci: Eduksi, Pembullyan, Dampak Hukum, Dampak Sosiologis.
The Shared Values of Sharia Banking: Non-Muslims Under The Qanun on Islamic Financial Institutons in Aceh Alidar, EMK; Maulana, Muhammad; Ramly, Arroyyan; Filzah, Nadhilah
AHKAM : Jurnal Ilmu Syariah Vol 24, No 1 (2024)
Publisher : Universitas Islam Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ajis.v24i1.39188

Abstract

The implementation of the Qanun No. 11/2018 on Sharia Financial Institutions (SFIs) has led all conventional banks to suspend their operation in Aceh. The Qanun has imposed Acehnese people to use sharia banking services. It raises the question of the extent non-Muslims accept the implementation of the Qanun on SFIs considering their civil rights and how they view the Qanun in terms of their religiosity, legal compliance, and motivation for submitting to it. This study aims to analyze the reasons why non-Muslims submit to and comply with the Qanun, as well as their experiences in receiving sharia banking services. This juridical and empirical legal research collected data from observation and in-depth interviews with nine respondents in several districts in Aceh and three people outside Aceh. It concludes that non-Muslims are generally in favor of the Qanun's implementation. They do not mind utilizing sharia financial products and services, and the Qanun's provisions do not restrict their access and interests. The administration of the banks can generally satisfy the legal requirements of offering sharia banking clients quality services irrespective of their religious background. All engagement elements are fulfilled under the civil law. The sharia banking principles has not only become shared values among different religious adherents in Aceh but also do not conflict with non-Muslim customers' beliefs, religions, and rights in terms of the priniciple of equality before the law. Abstrak: Penerapan Qanun Nomor 11 Tahun 2018 tentang Lembaga Keuangan Syariah (LKS) telah menyebabkan seluruh bank konvensional menghentikan operasionalnya di Aceh. Qanun tersebut telah mewajibkan masyarakat Aceh untuk menggunakan layanan perbankan Syariah. Hal ini menimbulkan pertanyaan sejauh mana non-Muslim menerima penerapan Qanun tentang LKS dengan mempertimbangkan hak-hak sipil mereka dan bagaimana mereka memandang Qanun dalam kaitannya dengan keberagamaan, kepatuhan hukum, dan motivasi untuk tunduk pada Qanun tersebut. Penelitian ini bertujuan untuk menganalisis alasan non-Muslim tunduk dan patuh terhadap Qanun, serta pengalaman mereka dalam menerima layanan perbankan syariah. Penelitian hukum yuridis dan empiris ini mengumpulkan data melalui observasi dan wawancara mendalam terhadap sembilan responden di beberapa kabupaten di Aceh dan tiga orang di luar Aceh. Laporan ini menyimpulkan bahwa non-Muslim pada umumnya mendukung penerapan Qanun tersebut. Mereka tidak keberatan memanfaatkan produk dan jasa keuangan syariah, serta akses dan kepentingan mereka tidak dibatasi oleh ketentuan Qanun. Secara umum, administrasi bank dapat memenuhi persyaratan hukum dalam menawarkan layanan berkualitas kepada klien perbankan syariah terlepas dari latar belakang agama mereka. Seluruh unsur perikatan dipenuhi berdasarkan perspektif hukum perdata. Prinsip perbankan syariah tidak hanya menjadi nilai bersama antar umat beragama di Aceh tetapi juga tidak bertentangan dengan keyakinan, agama, dan hak nasabah non-Muslim dalam prinsip kesetaraan di hadapan hukum. 
Keragaman Genetik Plasma Nutfah Pisang (Musa Spp.) Berdasarkan Karakter Morfologi di Provinsi Jambi Maulana, Muhammad; Sarman S, Sarman S; Wiskandar, Wiskandar; Nusifera, Sosiawan; Riduan, Ahmad -
Jurnal Media Pertanian Vol 9, No 2 (2024): Oktober
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jagro.v9i2.243

Abstract

This study aims to gather data on the genetic diversity of banana germplasm through morphological characteristics in Jambi Province. It also seeks to characterize each banana type present in the region and assess the diversity and relationships among banana plants to establish distinct groupings based on their traits. The findings indicate that quantitatively, there are four relative criteria ranging from very narrow to very broad, reflecting diversity. Qualitatively, there is observed diversity across characteristic criteria spanning from very narrow to very broad. Morphologically, bananas in Jambi Province are classified into eight groups, each distinguished by unique identifying characteristics. Correlation analysis reveals that the relationship between morphological diversity and soil pH, soil moisture, and altitude in Jambi Province is notably weak and non-significant. 
Stunting and Baby’s Milk: Evidence from Indonesia Maulana, Muhammad; Herawati, Noknik Karliya; Wijaya, Miryam B Lilian
Signifikan: Jurnal Ilmu Ekonomi Vol 13, No 1 (2024)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i1.38624

Abstract

Research Originality: This study uniquely examines the relationship between baby milk consumption and stunting rates in Indonesia using a two-stage least squares (2SLS) approach. It fills a gap in understanding why Indonesian consumers prefer sweetened condensed milk over baby formula, despite the increasing prevalence of stunting, offering new insights into the economic and educational factors influencing milk consumption.Research Objectives: To investigate the factors that influence baby milk consumption in Indonesia, such as milk prices, education levels, and population size. Also, to assess the impact of baby milk consumption on stunting rates among Indonesian children.Research Methods: The research uses an econometric approach, specifically two-stage least squares (2SLS) regression, analyzing data from 2005 to 2022.Empirical Results: The results indicate that baby milk consumption is significantly affected by milk prices, education levels, and population size. Interestingly, the study finds that higher consumption of baby milk is correlated with an increase in stunting rates.Implications: The findings suggest a need for greater parental awareness regarding the nutritional value of baby milk and potential policy interventions to regulate milk quality. Additionally, the results highlight the importance of educational campaigns to improve milk consumption behaviors and further research on the nutritional content of available baby milk products to address the stunting problem effectively.JEL Classification: D11, I15, O13, Q18, R22
Land Use Response in Volume of Infiltrated Analysis to Control Fire Risk in the Liang Anggang Tropical Peatland Forest in South Kalimantan Novitasari; Nurfansyah; Kurdi, Holdani; Ramadhani, Muhammad Aulia; Maulana, Muhammad; Nailia, Nur
Civil and Environmental Science Journal (CIVENSE) Vol. 7 No. 2 (2024)
Publisher : Fakultas Teknik Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.civense.2024.007.02.1

Abstract

Liang Anggang Protected Forest is an area formed from peatland. Peatlands have a role in conserving water resources, reducing floods, preventing seepage of seawater, and so on. Damage to the water system in peatlands is often caused by individual activities that are not well controlled. This is thought to have resulted in the depletion of water in the peat soil, making the soil dry and flammable in the dry season. This research aims to analyze the rate of infiltrated water in the Liang Anggang Block 1 Protected Forest area. It was also found that the volume of infiltrated water in the natural conditions of the protected forest, assuming that there is no current use of the protected forest area, is 9,097,126.998 m3/year, and the total after there is current utilization of 8,498,889.127 m3/year. Due to the current utilization carried out in the area under review, the infiltration volume value decreased by 6.576%. Based on this research, it is very necessary to maintain land use in the Liang Anggang protected forest to maintain the volume of infiltrated water in the area.
Juridical Provisions on Government Policies Towards Marginal Economic Actors in Indonesia in the Perspective of Islamic Law Alidar, EMK; Maulana, Muhammad; Syah, Yuhasnibar; Usman, Bustamam
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 7, No 1 (2023): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v7i1.14621

Abstract

This study investigates the legal provisions for dealing with street vendors in Banda Aceh and Yogyakarta, utilizing the Qanun no. 3/2007 and the Mayor Regulation no. 26/2002, respectively. It investigates the variables that constitute the basis for the creation of policies for dealing with street sellers and evaluates policy formulations for dealing with street vendors in the two provincial capitals in a more accommodating and comprehensive manner. This is a normative legal research that examines legal data in the form of the rule of law by evaluating statutes and Islamic law. The results indicated that the Qanun for the City of Banda Aceh and the Perwal Yogyakarta were legally designed to govern and control street vendors in compliance with the urban planning and aesthetics of the city. However, the Banda Aceh Qanun addressing street vendors must be tied to the Mayor's Regulation 44 of 2016 about the role and function of Wilayatul Hisbah (WH) and Satpol PP (Civil Police), which reflect Islamic shari'a standards. Although the Mayor of Yogyakarta Regulation No. 26/2002 on street vendors has been designated as a source and tourist attraction that must be managed responsibly, this has a positive impact on street vendors. The regulation has included cultural issues with such care that it has a favorable effect on their economic earnings. Although other aspects, such as the issuance of business licenses, impartial spatial layouts, and coercive measures against street vendors, still need to be developed. Nevertheless, the Banda Aceh government's comprehensive WH policy integrates Islamic law and the Yogyakarta Perwal, which accommodates local and cultural values in accordance with the rule of law that governs and disciplines the society.
Co-Authors Abdul Karim Abdul Sani Adhan, Afirzo Aflinosa, Chala Agusdi Syafrizal, Agusdi Aguswandi, Lalu Heri Ahmad Suriansyah Akhmad Al Aidhi Alhaqiqi, Candra Alidar, EMK. Amirrah, Reffa Amri, Aulil Amrulloh, Ashfia Annisa Rizkina Ardiyaningsih Puji Lestari Arum, Maysaroh Aslamiah Aslamiah Azmil Umur, Azmil bakhtar, suci sukma paramitha Balqis, Aurelia Corrinna Candra, Elin Dinanty, Najwa Sabrina Duha, Ketabahan Dyah Susilowati Dzulfani, Syafina Irlin EMK Alidar, EMK Erlina Erlina Fadila, Alifa Fadila, Naila Fajriyyah, Latifatul Fildzia, Ayrin Sazwa Filzah, Nadhilah Fitria Saftarina Fitryantica, Agnes Gadya, Adisa Hayati, Atika Helna Wardhana Heriyato, Heriyanto Holdani Kurdi Huwaida, Maitsa Inatsa, Najma Insani, Muhammad Fitrah Iswandi Darwis Jannah, Sahlli Jazuly, Zaky Jihad, Azka Akmalia Kurnianingsih, Ananda Mydi Kurniawaty, Evi Laeli, Ida Makaria, Eklys Cheseda Mardiana, Aklima Marfu'ah, Marfu'ah Maulana, Muhammad Rifky Meilani, Dini Metandi, Farindika Miryam B Lilian Wijaya Muhammad Ricky Ramadhian Nailia, Nur Nasution, Bryantdary Arrafif Ngadiman, Sidik Nur Noknik Karliya Herawati NOVITASARI Nurfansyah Nurvira, Khairatun Aini Permatasari, Nina Pertiwi, Shavira Putra, Ardian Reza Rahma, Lintang Putri Rahmat, Aprin Nabila Rahmat, Arip Rajiani, Ismi Ramadhan, Rifqi Ihza Ramadhani, Muhammad Aulia Ramly, Arroyyan Riduan, Ahmad - Rindiantika, Vista Risti Graharti Rony Setiawan Ruslan, Muhammad Ibnu Maulana Rusmaniah, Rusmaniah Sabrina, Sovia Safitri, Lutfiyah Saiful Bahri Samsuardi Samsuardi, Samsuardi Saputro, Bayu Ardi Sarman S, Sarman S Setiawan, Muhammad Andri Shabarullah, Shabarullah Sisilia, Dea Anugrah Soegiarto, Eddy Sosiawan Nusifera Sunarto Sunarto Sunita, Asfa Susi Rahayu Syah, Yuhasnibar Syaharuddin TRI WRAHATNOLO Triyono, Sigit Usman, Bustamam Wibowo, Fasih Wiskandar , Yuhasnibar Yulia Alia Zain, Fifi Nurhaliza Putri Zulfa Jamalie