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Implementasi Akad Ba’i Istishna dan Ba’i Taqsith pada Pembiayaan Kepemilikan Rumah (Non Bank) di Perumahan Islami Indonesia Arman Paramansyah; Izul Abdillah; Dessy Damayanthi
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 1 (2021): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (373.664 KB) | DOI: 10.47467/alkharaj.v3i1.189

Abstract

This study aims to analyze the application of istishna and ba'i taqsith contracts on bankless home ownership financing and to find out the advantages of each of these contracts. This research was conducted using qualitative research with descriptive analysis method, namely research by focusing on the implementation of istishna and ba'i taqsith contracts and showing a relationship between the financing of house ownership without the bank, then conducting a description to provide a clear picture. The results of the study conclude that the istishna contract in its application, namely the mustashni/customer, pre-orders the house to be ordered from the shani/maker by stating the raw material specifications, size and payment system at the beginning of the agreement and the handover of the building will be handed over in a tough manner. In the payment system there are 2 schemes, namely: In cash and credit, in credit financing for Indonesian Islamic Housing using a ba'i taqsith agreement. Namely a sale and purchase contract with a payment in installments at a certain time and is more expensive than the cash price. Credit calculation uses a 7% margin of cash and flat prices until the end of payment, there are no penalties for late payments and if there is default, deliberations will be held for the solution. The advantages of the ba'i istishna and ba'i taqsith contracts are the advantages of the istishna contract, it can change the design desired by the consumer and the advantages of the ba'i taqsith contract, can negotiate prices, late payment is not subject to fines, the benefits are greater than the cash price, and to educate the public about sharia credit.
Pelatihan Kerja Berbasis Syariah untuk Atasi Pengangguran di Kebon Kopi  Desa Puspanegara, Citeureup,  Kabupaten Bogor Ida Parida; Agung Prasetyo; Dessy Damayanthi
Al-Wasathiyah: Journal of Islamic Studies Vol. 2 No. 1 (2023): Al-Wasathiyah: Journal of Islamic Studies
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/q9phcy79

Abstract

The background of this research is the impact of termination of employment which resulted in a large number of unemployment rates, especially in the kp kebon kopi area, is a difficult problem to solve. Therefore, preparing quality human resources is very important so that the only way to solve existing problems is by empowering people with improve the quality of human resources conducting job training in coffee plantations, namely humans are able to carry out all activities that have activities to provide services or work businesses that are effective and efficient etc. Limiting this problem is an effort to increase human resources to overcome unemployment through job training in an Islamic perspective. The formulation of this problem is how to increase human resources in order to overcome unemployment and how Islam views unemployment. The role of the environment in Kp Kebon Kopi and to find out how Islam views unemployment. Theoretically, this research can add knowledge and insight, especially regarding the Job Training program to increase human resources and reduce unemployment. In addition, this research can be used as reading material, references, and studies. Practically, it can provide quality input to the community and place of training in implementing job training. So that it can increase human resources and reduce unemployment in the Kp Kebon Kopi environment. This study uses a qualitative method. Data collection is done by the method of observation, interviews and documentation. Analysis of data by collecting data and presenting data. The results of the research at the job training site in Kebon Kopi are that in increasing human resources in order to overcome unemployment, there must be quality human resources provided for example by someone providing services or businesses that are effective and efficient, etc. The number of unemployment rates in Kp Kebon Kopi every year increases but with the job training program in the coffee plantation environment it shows a very petrified role with the achievement of an increase in the workforce but job training efforts in reducing the number of unemployment rates have not gone well, if the number of workers has increased every year, of course, the number of labor force should decrease and the unemployment rate will decrease every year. However, this is reversed, namely the number of labor and unemployment will both increase.