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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Al-Mudharabah
Asad Ullah
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Religion Arts Humanities Economics, Econometrics & Finance Social Sciences

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Impact of Farmforestry on Socio-Economic Condition of Farming Communities in District Mardan, Pakistan Kamran Khan; Sami Ullah; Asad Ullah; Salman Khan; M. Yoserizal Saragih
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 3, No 4 (2020): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v3i4.1276

Abstract

The present study was carried out to find out the socio-economic impacts of farm forestry on tree farmers in district Mardan. Survey was conducted in four villages and the farmers were asked directly at their farms through a well structure questionnaire. Most of the respondents were literate with large family size. Average farm size was found to be 9.43 acres. 15% of the respondents were self-cultivator while 85% were tenant. In the study area 13700 trees of different species have been planted on an average of 249 trees per farm. 66% farmers were interested to plant more trees on their farm in future, while 34% were found uninterested. It was noted that 7015 tress were sold at an average of 127 trees per farm during last five years and Rs 1903000 were earned from sale of trees. Fifty eight percent of the respondents were found agree and 23% disagree when they were asked whether they were socio-economically uplifted or not. 76% of respondents grow trees for sale and remaining 24% grow trees for domestic purpose. 11% of respondents purchased fuel wood during the last 10 years and the remaining 89% did not.  14% of the respondents purchased timber during last ten years while 86% did not. Those respondents who were found agree earned two types more income.
LEGAL PROTECTION FOR CUSTOMERS IN ONLINE LOANS ACCORDING TO SHARIA ECONOMIC LAW Aulia Rahmatullah; Fahmi, Chairul Fahmi; Asad ullah
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): 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.v5i1.4529

Abstract

This article aims to examine the legal protection for customers in the implementation of online-based money loans or known as online loans (pinjol). The research method used is a doctrinal approach where the author will examine legal norms related to customer protection according to the Banking Law, and a number of Financial Services Authority (OJK) regulations related to pinjol. The results of this study conclude that there are several phenomena that occur in the implementation of pinjol that do not get legal protection for customers, namely: First, the determination of interest that does not refer to the interest rate provisions of Bank Indonesia, second, the maximum interest setting on online loans in fintech companies is 0.4 percent per day but the amount of real interest is not regulated in the agreement. Third, Financial Services Authority Regulation No.77/POJK.01/2016 on Information Technology-Based Money Lending and Borrowing Services OJK Regulation No.77 of 2016 is the basis for the implementation of Peer to Peer Lending business activities or online lending and borrowing which is one of the types of fintech, including the protection of customer personal data. Customer personal data collected by fintech providers must be kept confidential in accordance with applicable privacy provisions.
Co-Authors Aulia Rahmatullah Fahmi, Chairul Fahmi Kamran Khan M. Yoserizal Saragih Salman Khan Sami Ullah