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APPLICATION OF PRUDENTIAL BANKING TO ELIGIBILITY FOR THE DISTRIBUTION OF KUR UMKM BSI BRANCH DIPONEGORO BANDA ACEH. STUDY ON TESTING THE INCOME AND PROFITABILITY OF DEBTOR CUSTOMERS' BUSINESSES Adzkia, Khaliza; Mukdin, Khairani; Sholihin, Riadhus
Dusturiyah: Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Vol. 14 No. 2 (2024): JURNAL DUSTURIAH
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dusturiyah.v14i2.25589

Abstract

This research emphasises the importance of testing customer income and profitability in ensuring financing eligibility and supporting the financial stability of banks and the development of MSMEs in Indonesia. This reseacrh aims to ensure that the financing disbursement process is carried out effectively and in accordance with prudential banking principles with legal provisions. This research method is normative empirical. The results of the research showed that the distribution of KUR was in accordance with the mandate of articles 8 and 29 of Law No. 10 of 1998 on Banking and article 23 of Law No. 21 of 2008 on Sharia Banking. This can be seen from the application of KUR distribution at BSI Diponegoro Branch Banda Aceh which is carried out strictly through testing with five main stages, namely BI checking, surveys, business feasibility analysis, analysis of collateral feasibility, the committee process with the leadership and the analysis of MSMEs income and profitability by paying attention to income sources, income stability, sales trends, seasonal patterns, sales targets, profit patterns, bank transaction history and bank transaction frequency.
An Analysis of Employment Relations in the Saree Chips Home Industry: Based on the Concept of Ijarah 'Ala Al-‘Amal Delfira, Safna; Yusuf, Muhammad; Sholihin, Riadhus
MAQASIDI: Jurnal Syariah dan Hukum Vol. 5, No. 2 (Desember 2025)
Publisher : MAQASIDI: Jurnal Syariah dan Hukum published by the Islamic Criminal Law Program of the Sharia and Islamic Economics Department at the Sekolah Tinggi Agama Islam Negeri Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/maqasidi.v5i2.5979

Abstract

This study examines the practice of employment relations in the Saree chip home industry, Aceh Besar, which shows a mismatch with the principles of ijarah ala al-‘amal contracts in Islamic economic law. The main issue identified is the unilateral termination of employment without any deliberation mechanism or opportunity for workers to defend themselves. Such termination occurs while the employment contract is still valid, resulting in injustice and contradicting the principle of worker protection in Islam. Another problem that arises is the absence of employer responsibility in the event of workplace accidents. Risky working conditions, combined with the use of equipment and machinery, increase the likelihood of accidents. However, workers receive no guarantees or responsibility from employers for incidents they experience. This phenomenon highlights the gap between the theory of ijarah ala al-‘amal contracts, which emphasize justice, the balance of rights and obligations, and worker protection, and the reality of practices in the field. This study uses a qualitative descriptive-analytical approach with observation and interview methods. The findings show that employment relations in practice remain informal, without clear written agreements, thereby creating opportunities for injustice. Normatively, ijarah ala al-‘amal contracts require contractual clarity, protection of workers’ rights, and employer responsibility for occupational risks. Therefore, there is a need to reconstruct the employment system in the Saree chip home industry to align more closely with sharia principles, particularly in terms of legal certainty, justice, and worker safety protection.