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The Problem of Revenue-Sharing Principles in Indonesian Islamic Banking based on Smart Theory Dedy Rachmad; Asmuni Asmuni; Sugianto Sugianto
Khazanah Sosial Vol 4, No 2 (2022): Khazanah Sosial Vol 4, No 2 August 2022
Publisher : UIN Sunan Gunung Djati

The problem of implementing the principle of revenue sharing in Indonesian Islamic banking until now has not found a bright spot. It was found that some Islamic banks closed their revenue-sharing products, especially mudharabah agreements. Related to this, in an effort to accommodate the wishes of customers/prospective customers and the interests of Islamic banks, there needs to be a theory that is considered able to bridge the interests of both parties. This paper tries to meet those demands, whereby a review of smart theory literature appears and becomes the main choice in the search for literature because this article provides a qualitative descriptive summary. This paper will also develop new concepts and theories in order to complement existing theories. The results of the analysis show that smart theory has a role in accommodating the interests of Islamic banks and customers/prospective customers, but the theory developed is still conventionally charged, so it cannot be fully applied in solving the problem of revenue sharing principles in Indonesian Islamic banking. Therefore, the new theory created is to combine smart theory with maslahat theory using several approaches such as ease aspects, aspects of supervision, religious aspects, social aspects, and methodological aspects in terms of flexibility.

The Issue For Baitul Mal Managers in Promoting Muzakki Awareness Through Islamic Education Ramli Ramli; Asmuni Asmuni; Lahmuddin Lubis
Edukasi Islami : Jurnal Pendidikan Islam Vol 11, No 02 (2022): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v11i02.3920

The Aceh Qanun and province and national governments have confirmed regulations for entities that manage zakat, infaq, waqf, and other assistance assets.This study examines Muzakki's zakat awareness. Muzakki has an obligation to hand up his assets in time and measure, but he either doesn't or gives them to the mustahik without consulting the Baitul Mal, resulting in a very low zakat collection.Qualitative research allows for clear and in-depth attainment of study objectives through theory application. This research relies on the official amil zakat institution, notably Baitul Mal Lhokseumawe administration.Baitul Mal Lhokseumawe promotes zakat muzakki through networking, collaboration, publication, and lectures. Communication develops.Now that people are more tech-savvy, all community activities are online, and most information is on social media like YouTube, Facebook, Instagram, and TikTok, Baitul Mal's challenge to raise awareness of muzakki in Lhokseumawe needs more attention. Mass media uses social media as the information funnel.In Lhokseumawe, muzakki know they must give zakat, but some prefer to give it to mustahik since it helps them immediately and they are well-known. Some muzakki give zakat outside Lhokseumawe to help family

ISLAMIC EDUCATION MODEL ORIENTED ON THE VIEWS OF ACEH ULAMA ON CUSTOM SANCTIONS FOR COMMUNITIES FOR VIOLATION OF QANUN JINAYAT IN THE DISTRICT ACEH TAMIANG Musthafa Musthafa; Asmuni Asmuni; Zainul Fuad
Edukasi Islami : Jurnal Pendidikan Islam Vol 11, No 03 (2022): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v11i03.4247

This research looks at what Acehnese scholars think about the customary punishments for people who break the khalwat qanun in Aceh Tamiang District, based on Aceh Province Qanun Number 6 of 2004 about Jinayat Law in the progressive Islamic education model. This research method is normative and empirical. It looks at legal principles and norms in laws and regulations, legal doctrine, and how legal norms are used in society. It then looks at the problem from the point of view of Acehnese scholars regarding violations of the khalwat qanun. The results of the study show that when putting customary life into practice, regions can set up different policies to help adat and traditional institutions in their areas that are based on Islamic law and work in line with it. Gampong or village residents who break the khalwat or make the Sharia look bad can first go to a Gampong Traditional Meeting (RAG). One reason why khalwat offenders aren't caned in Aceh Tamiang is because the case was settled in a way that was unfair to both local elites and the general public. A number of Khalwat cases were resolved through customary mechanisms. Sanctions such as the "banquet of bad luck," handing over tens of sacks of cement for village infrastructure development, and washing and humiliating in public places are forms of settlement for indigenous peoples. Many indigenous peoples outside Aceh also carry out sanctions like this. considerations of efficiency, expediency, and trustworthiness. Through customary mechanisms, khalwat cases are handled more quickly and efficiently than in the Sharia Court. In addition, the implementation of Qonun Jinayah can be carried out using a progressive education model approach that aims to raise awareness in every individual community about the enforcement and implementation of Qonun Jinayah in the Aceh Tamiang region.

Urgensi Maqashid Syariah dalam Pengelolaan Harta Angga Syahputra; Asmuni Asmuni; Tuti Anggraini
Jurnal Iqtisaduna Vol 9 No 1 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i1.36636

Lots of life problems experienced by humans due to lack of wealth, but on the other hand, people who have excess wealth also experience many problems. Generally, people who have excess wealth will be arrogant and arbitrary, feel that everything can be managed and see other people who are below them in a small way. A study has found a clear link between wealth and indifference to the feelings of others. In Indonesia, we receive a lot of information through various media about the arrogant attitudes of rich people. Increasingly, news about this matter has become routine consumption for the community and of course it will have an adverse impact. For this reason, researchers want to further examine how the urgency of maqasid sharia is in managing assets. This research is a descriptive qualitative research. To answer the existing problems, researchers will use secondary data that has been previously published. This research concludes that humans must be aware of the nature of their existence and the various resources they have are not absolute ownership, because absolute ownership belongs only to Allah Swt. The big step to free oneself from mismanagement of wealth and greed is to return to God, Allah Swt. and focuses on how to be a better Muslim

Islamic Smart City: Study of Literacy and Inclusion in Financial Behavior and Empowerment of Micro, Small and Medium Enterprises (MSMEs) Raja Sakti Putra Harahap; Asmuni Asmuni; Andri Soemitra
Edukasi Islami : Jurnal Pendidikan Islam Vol 11, No 03 (2022): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v11i03.4169

This article aims to examine; 1. The effect of financial literacy on the financial behavior of MSME entrepreneurs in Binjai City. 2. The effect of financial inclusion on the financial behavior of MSME entrepreneurs in Binjai City. 3. The influence of Islamic Smart City on the financial behavior of MSME entrepreneurs in Binjai City. This study used a quantitative method with a research instrument in the form of a questionnaire. The research sample was 154 MSME actors in Binjai City. While the data analysis technique uses PLS-Structural Equation Modeling (SEM) analysis based on variance or Partial Least Square (PLS). The results of the study show that: 1. Financial literacy which consists of indicators of general financial knowledge, savings and loans, insurance, and investment has no significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 2. Financial inclusion consisting of indicators of the dimensions of access, dimensions of use, dimensions of quality, and dimensions of welfare has a significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 3. Islamic Smart City which consists of Smart Economy, Smart Mobility, Smart Environment, Smart People, Smart Living and Smart Governance indicators has a significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 4. Financial literacy and inclusion as well as Islamic Smart City have a significant effect on the financial behavior of MSME entrepreneurs in Binjai City.

THE EFFECTIVENESS OF PREMARITAL MARRIAGE GUIDANCE (ISLAMIC EDUCATION GUIDANCE MODEL) IN REDUCING THE HIGH DIVORCE RATE IN KUA NORTH SUMATERA PROVINCE Rafnitul Hasanah Harahap; Asmuni Asmuni; Nisful Khoiri
Edukasi Islami : Jurnal Pendidikan Islam Vol 11, No 03 (2022): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v11i03.4174

Decree of the Director General of Islamic Community Guidance No. 379 of 2018 concerning the Implementation of Premarital Marriage Guidance, which aims to create a happy and peaceful family and reduce the divorce rate But in reality, in the city of Medan, the divorce rate continues to increase every year. This study focuses on the issue of implementing premarital marriage guidance based on the Decree of the Director General of Islamic Community Guidance Number 379 of 2018 at the KUA in Medan City, as well as the extent of the impact of fostering premarital marriages. based on the Decree of the Director General of Islamic Community Guidance No. 379 of 2018 concerning reducing the divorce rate in Medan City. The research model (mode of inquiry) is a type of qualitative research oriented to field research (empirical), which is related to the Islamic education approach and premarital guidance. The results of the research are oriented towards the effectiveness of coaching and education for premarital marriages that are not working as well as they should. There are still many married couples who do not get premarital marriage guidance but get a marriage certificate, and premarital marriage coaching should be an administrative requirement by showing proof of marriage certificate for couples who are getting married. There is also a lack of understanding of the implementation of Islamic educational values, and the government must give authority to the KUA as a follow-up to premarital marriage development activities to mediate between married couples who are about to divorce before going to the Religious Courts.

The Issue For Baitul Mal Managers in Promoting Muzakki Awareness Through Islamic Education Ramli Ramli; Asmuni Asmuni; Lahmuddin Lubis
Edukasi Islami: Jurnal Pendidikan Islam Vol. 11 No. 02 (2022): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v11i02.3920

The Aceh Qanun and province and national governments have confirmed regulations for entities that manage zakat, infaq, waqf, and other assistance assets.This study examines Muzakki's zakat awareness. Muzakki has an obligation to hand up his assets in time and measure, but he either doesn't or gives them to the mustahik without consulting the Baitul Mal, resulting in a very low zakat collection.Qualitative research allows for clear and in-depth attainment of study objectives through theory application. This research relies on the official amil zakat institution, notably Baitul Mal Lhokseumawe administration.Baitul Mal Lhokseumawe promotes zakat muzakki through networking, collaboration, publication, and lectures. Communication develops.Now that people are more tech-savvy, all community activities are online, and most information is on social media like YouTube, Facebook, Instagram, and TikTok, Baitul Mal's challenge to raise awareness of muzakki in Lhokseumawe needs more attention. Mass media uses social media as the information funnel.In Lhokseumawe, muzakki know they must give zakat, but some prefer to give it to mustahik since it helps them immediately and they are well-known. Some muzakki give zakat outside Lhokseumawe to help family

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