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EKSISTENSI AKAD DALAM TRANSAKSI KEUANGAN SYARIAH Zubair, Muhammad Kamal; Hamid, Abdul
DIKTUM: Jurnal Syariah dan Hukum Vol 14 No 1 (2016): Diktum: Jurnal Syariah dan Hukum
Publisher : Jurusan Syariah dan Ekonomi Islam Institut Agama Islam Negeri (IAIN) Parepare

This paper will explore the existence of the contract has a crucial role in Islamic financial transactions with a number of implications posed. One of that in Islam there is freedom to determine the contract with all the terms and forms of contract desired by the parties, provided that the contract is voluntary and is not included in the prohibition of shariaâ. On this basis, the core of the contract which is carried out in Islam is to create benefits for the parties to the agreement for an Islamic financial transactions.

PROSPEK PROGRAM STUDI PERBANKAN SYARIAH Zubair, Muhammad Kamal
DIKTUM: Jurnal Syariah dan Hukum Vol 16 No 1 (2018): Diktum: Jurnal Syariah dan Hukum
Publisher : Jurusan Syariah dan Ekonomi Islam Institut Agama Islam Negeri (IAIN) Parepare

Abstract: Along with the opening of Sharia Banking Courses at STAIN Parepare, there are some things that require an immediate answer problems, such as how the response of potential users graduates of the courses and how their appreciation of the opening of the courses as well as how their expectations for graduates of Sharia Banking Courses. This study aimed to obtain descriptive information about the responses and expectations of Islamic Financial Institutions in Parepare on the opening of the Sharia Banking Courses at STAIN Parepare as potential users of the graduates of Sharia Banking Courses. The results showed that the manager of Islamic Financial Institutions appreciation against the opening of Sharia Banking Courses very positive. Islamic banking and Islamic financial institutions in Parepare gave high appreciation to the opening of this course. The practitioners of Islamic financial institutions also hope Sharia Banking Courses graduates are able to master the concept of Islamic banking both in the realm of theory and practice.    Abstrak: Seiring  dengan  pembukaan  program  studi  Perbankan  Syariah  di STAIN  Parepare,  terdapat  beberapa hal permasalahan yang  memerlukan jawaban segera, diantaranya adalah bagaimanakah respon calon pengguna lulusan program studi tersebut dan bagaimanakah apresiasi mereka terhadap pembukaan Program Studi tersebut serta bagaimanakah harapan mereka terhadap lulusan Program Studi Perbankan Syariah. Penelitian ini  bertujuan  untuk  memperoleh  informasi  deskriptif mengenai tanggapan dan  harapan  Lembaga  Keuangan Syariah di Parepare terhadap pembukaan Program Studi Perbankan Syariah di STAIN Parepare sebagai calon  pengguna  lulusan  program  studi tersebut. Hasil penelitian menunjukkan bahwa sikap dan apresiasi pengelola Lembaga Keuangan Syariah terhadap pembukaan Program Studi Perbankan Syariah sangat positif sekali. Lembaga keuangan dan perbankan syariah yang ada di Parepare memberikan apresiasi yang tinggi terhadap pembukaan program studi ini. Para praktisi lembaga keuangan syariah juga berharap lulusan Program Studi Perbankan Syariah mampu menguasai konsep perbankan syariah baik pada ranah teori maupun praktek.

PROSPEK PROGRAM STUDI PERBANKAN SYARIAH Zubair, Muhammad Kamal
DIKTUM: Jurnal Syariah dan Hukum Vol 16 No 1 (2018): Diktum: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Abstract: Along with the opening of Sharia Banking Courses at STAIN Parepare, there are some things that require an immediate answer problems, such as how the response of potential users graduates of the courses and how their appreciation of the opening of the courses as well as how their expectations for graduates of Sharia Banking Courses. This study aimed to obtain descriptive information about the responses and expectations of Islamic Financial Institutions in Parepare on the opening of the Sharia Banking Courses at STAIN Parepare as potential users of the graduates of Sharia Banking Courses. The results showed that the manager of Islamic Financial Institutions appreciation against the opening of Sharia Banking Courses very positive. Islamic banking and Islamic financial institutions in Parepare gave high appreciation to the opening of this course. The practitioners of Islamic financial institutions also hope Sharia Banking Courses graduates are able to master the concept of Islamic banking both in the realm of theory and practice. Abstrak: Seiring dengan pembukaan program studi Perbankan Syariah di STAIN Parepare, terdapat beberapa hal permasalahan yang memerlukan jawaban segera, diantaranya adalah bagaimanakah respon calon pengguna lulusan program studi tersebut dan bagaimanakah apresiasi mereka terhadap pembukaan Program Studi tersebut serta bagaimanakah harapan mereka terhadap lulusan Program Studi Perbankan Syariah. Penelitian ini bertujuan untuk memperoleh informasi deskriptif mengenai tanggapan dan harapan Lembaga Keuangan Syariah di Parepare terhadap pembukaan Program Studi Perbankan Syariah di STAIN Parepare sebagai calon pengguna lulusan program studi tersebut. Hasil penelitian menunjukkan bahwa sikap dan apresiasi pengelola Lembaga Keuangan Syariah terhadap pembukaan Program Studi Perbankan Syariah sangat positif sekali. Lembaga keuangan dan perbankan syariah yang ada di Parepare memberikan apresiasi yang tinggi terhadap pembukaan program studi ini. Para praktisi lembaga keuangan syariah juga berharap lulusan Program Studi Perbankan Syariah mampu menguasai konsep perbankan syariah baik pada ranah teori maupun praktek.

RELIGIOUS MEANING IN SOCIAL PRACTICES: A STUDY OF MUSLIMS TOLERANT ATTITUDES IN SOUTH SULAWESI Idris, Djamaluddin M.; Zubair, Muhammad Kamal
Indonesian Journal of Islamic Literature and Muslim Society Vol 4, No 1 (2019)
Publisher : IAIN Surakarta

This study aims to find out the patterns of tolerance of the Muslim community towards other religious communities in South Sulawesi. It also examines opportunities to overcome the barriers to building understanding among religious communities. This study employs a normative theological approach, sociology of religion, and phenomenology as well. This study reveals that the attitude of Muslim society toward other religious communities in South Sulawesi is based on several factors: [a] social integration through economic factors; [b] social integration through a diversity of cultural factors; and [c] social integration through political factors. The tolerant and harmony life among Muslim and non-Muslim communities is reflected in their social interaction due to economic interests and religious beliefs. The implication of this study is to develop social interaction among religious communities based on human and spiritual values

SIGNIFIKANSI MODIFIKASI AKAD DALAM TRANSAKSI MUAMALAH Zubair, Muhammad Kamal
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v1i2.245-257

The existence of the contract has a crucial role in muamalah field, because there are many implications that appeared. One of them that can be an example that in Islam there is a freedom to conduct the contract by determining the condition or requirements and the form wanted voluntary and not include to the law prohibition. So, the main of contract in Islam is realised the mutual advantages among the contractors.

Obligasi Dan Sukuk Dalam Perspektif Keuangan Islam (Suatu Kajian Perbandingan) Muhammad Kamal Zubair
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 46, No 1 (2012)
Publisher : Faculty of Sharia and Law - Sunan Kalijaga State Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.2012.46.1.%p

This article study about sukuk is known as sharia bonds with compare to obligation as the investment instrument in capital market. Sukuk investment is often regard as identical with obligation. There are number of basic differences between the two instrument, that is the use of sukuk instruments in investment the profit of which is divided with profit sharing, sukuk needs to have an underlying transaction in the form of tangible assets and sukuk use religious advice that govern syariah bond.

KOMPARASI PELAKSANAAN TAKE OVER PADA BANK NEGARA INDONESIA SYARIAH DAN BANK RAKYAT INDONESIA DI PAREPARE Zulfhaidz Husain; Muhammad Kamal Zubair; Damirah Damirah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 1 No 1 (2019): Banco : Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Take Over is an action carried out by users of banking services to move payments or installments that are considered more profitable by users of banking services, where in this case the Customer, the transfer made in the form of transfer of services, payments and installments that customers consider more profitable for them Use. The transfer of payment itself involves two different banking institutions where installments or financing that run from one bank to another are transferred according to the provisions of each banking institution involved in it. The results of this study indicate that there are several differences in take-over systems implemented by Bank Negara Indonesia Syariah and Bank Rakyat Indonesia, including the contract agreement system that exists in these two banking institutions, where Bank Negara Indonesia Syariah uses a system with a sharia contract, namely the contract is a profit sharing contract, which they apply is a Murabahah contract and guidelines for the rules and procedures carried out at Take Over are the foundation of the DSN-MUI Fatwa and all provisions contained in the land, then at the Bank Rakyat Indonesia the contract used is in accordance with the provisions of the party banking itself the interest rate applied to the Contract is a Flat (fixed and Floating) interest rate or a fixed interest rate with the provisions of the installment table in accordance with the provisions of the Bank Rakyat Indonesia.

ANALISIS ETIKA BISNIS ISLAM TERHADAP PERILAKU PENADAH IKAN EKSPOR DI KEC. MALLUSETASI KABUPATEN BARRU Al Maidah Nur; Muhammad Kamal Zubair; Mukhtar Yunus
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 1 No 2 (2019): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Buying and selling activities is one of the activities of human life as an activity to meet needs. Islam does not justify any means of buying and selling, but also very much in need of ethics. Ethics is a set of moral principles that distinguish good from bad and normative, it plays the role of determining what must be done or not to be done by individuals or groups. In the ethics of buying and selling which is one of the most important things is the honesty of the two parties which is the culmination of the morality of faith and the most prominent characteristics of believers. Without honesty, religious life will not stand tall and world life will not go well.This study aims to determine the practice of buying and selling between fishermen and exporters of fish in the Mallusetasi District, Barru Regency. As well as an analysis of Islamic business ethics on the practice of buying and selling between fishermen and exporters of fish in the Mallusetasi District, Barru Regency. This type of research used in this thesis is a qualitative descriptive method, the data in this study were obtained from primary data and secondary data. Data collection techniques used were observation, interviews, and documentation. The data analysis technique is to use qualitative data analysis.The results of this study indicate that the buying and selling activities between fishermen and fishermen, the scales are regulated by the fishermen. Determination of the price determined by these collectors sometimes becomes a separate complaint by the fishermen. The number of complaints regarding the sale and purchase process carried out with the container. This is still a problem that often occurs. Moreover, when fishermen have no other place to sell their fish. In the practice of buying and selling examined by the author, there are still many problems. The location of the problem is the application of Islamic business ethics in export fish trading activities. In the buying and selling activities in the district. Mallusetasi almost all of its activities are not in accordance with the principles of Islamic business ethics

Penerapan Akad Kafalah pada Jasa Garansi Bank BTN Syariah Parepare Suwandi Kusnaedi; Muhammad Kamal Zubair; Zainal Said
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 2 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Kafalah is a guarantee given by a bank to certain parties, be it an individual, company, body or other institution in the form of a guarantee letter. The purpose of providing the guarantee is that the bank guarantees that it will pay or accept the obligations of the party that is guaranteed to the party who received the guarantee, if in the future the guarantor does not fulfill the obligations of the other party in accordance with the agreement. In the services of Bank BTN Syariah using two contracts, namely kafalah and wadi'ah. In the kafalah (guarantee) contract, the bank becomes a kafil for the customer who becomes full to bear the obligations to a party. This study uses a qualitative method. The data in this study were obtained from primary data and secondary data. With data collection techniques, namely observation, interviews, and study documentation The results of this study indicate that several things have occurred: in the guarantee mechanism there are 3 (three) parties involved, namely, the bank as the guarantor, the guarantor (the customer requesting the guarantee), and the guarantee recipient. The implementation of guarantee services at Bank BTN Syariah Parepare is carried out in several stages, namely: the application stage, the analysis stage, the processing stage, and the issuance of the guarantee, as well as the guarantee completion stage. The implementation of guarantee services at Bank BTN Syariah Parepare runs and is carried out properly by referring to the National Sharia Council (DSN) Fatwa Number: 11 / DSN-MUI / IV / 2000 concerning Kafalah. Bank BTN Syariah Parepare provides a fast service system (one day service) in issuing guarantees. With the issuance of a guarantee, it is very beneficial for both Bank BTN Syariah Parepare and for customers (principals) as users of guarantee service products. The impact for Bank BTN Syariah Parepare is that the bank receives income from the issuance of guarantees, thereby increasing the company's fee-based income. Whereas the customer (principal) can obtain a guarantee facility without requiring a large amount of collateral or cash collateral allocation, only being obliged to pay the following costs: premium costs, insurance costs, administrative costs and stamp duty fees

Implementasi Etika Islam Dalam Pemasaran Produk Bank Syariah Abdul Hamid; Muhammad Kamal Zubair
BALANCA : Jurnal Ekonomi dan Bisnis Islam Vol 1 No 1 (2019): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Tenaga pemasaran merupakan sarana penghubung utama perusahaan dengan konsumen atau merupakan ujung tombak bisnis perusahaan. Bagi dunia perbankan yang merupakan badan usaha yang berorientasi profit, kegiatan pemasaran sudah merupakan suatu kebutuhan utama dan sudah merupakan suatu keharusan untuk dijalankan, oleh karena itu tenaga pemasar produk perbankan dituntut kreatif dan inovatif dalam melakukan kegiatan pemasaran. Kajian ini bertujuan untuk memahami perilaku tenaga pemasar bank syarih melalui penerapan etika bisnis Islam dalam memasarkan produk-produk bank syariah di kota Parepare. Hasil kajian menunjukkan bahwa para tenaga pemasar bank syariah di kota Parepare sepenuhnya telah mengimplementasikan nilai-nilai syariah yang merupakan bagian dari konsep etika bisnis Islam dalam kegiatan pemasarannya. Penerapan etika bisnis Islam pada tenaga pemasar bank syariah dinilai sangat tepat. Bank syariah yang mempunyai kualitas tenaga pemasaran berbasis etika Islam dapat membangun reputasi untuk keberhasilan perkembangan bank syariah di Parepare.

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