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All Journal El Dinar International Journal of Economics and Management Research
Khusnudin Khusnudin
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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ANGGARAN PENDAPATAN BELANJA NEGARA (APBN) PERSPEKTIF ISLAM (STUDI KASUS APBN DI INDONESIA TAHUN 2014) Syahirul Alim; Khusnudin Khusnudin
El Dinar Vol 2, No 1 (2014): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (49.818 KB) | DOI: 10.18860/ed.v2i1.3108

Abstract

Anggaran Pendapatan dan Belanja Negara (APBN) dalam khasanah loterasi Islam sering disebut sebagai Baitul Mal. Baitul Mal adalah pos yang dikhususkan untuk semua pemasukan dan penegeluaran harta yang menjadi hak kaum muslimin/warga Negara. Setiap harta yang menjadi hak kaum muslimin, baik diambil dari kaum muslim dan non-muslim menjadi harta baitul mal. Terdapat tiga paradigm dasar yang selalu menyandera APBN pada system ekonomi kapitalis/neoliberalis yaitu, asumsi makro ekonomi, konsep anggaran berimbang atau anggaran deficit, dan liberalisasi ekonomi. Penyusunan baitul mal menggunakan paradigm yang berbeda. Diantaranya; tidak dibuat setiap tahun, tidak membutuhkan pembahasan dengan Majelis Umat (DPR/MPR), sumber pendapatan dan pos pengeluaran ditetapkan oleh syariah. Khalifah sebagai kepala Negara bias menyusun sendiri melalui hak tabbani, dan alokasi dana masing-masing sumber pendapatan dan pos pengeluaran diserahkan kepada pendapat dan ijtihad khalifah.
State Insurance Guarantee As a Solution to Commercial Insurance Default: A Case Study in Indonesia Najwa Febriani; Khusnudin Khusnudin
International Journal of Economics and Management Research Vol. 3 No. 3 (2024): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v3i3.515

Abstract

Injustice in private insurance practices in Indonesia often arises due to the imbalance of the position of attachment between the insurance institution and the insured party, such as in unilateral claim rejection or adverse standard clauses. This study aims to analyse the role of insurance guarantees from the state as an alternative to legal protection and justice for consumers. Through a juridical-normative approach and case studies on breaches of agreements committed by private insurers, based on the analysis conducted, it is known that state intervention in the form of an insurance guarantee scheme or Policyholder Protection Scheme (PPS) can provide legal certainty and public confidence in the insurance industry. The study recommends the establishment of a national insurance guarantee institution as a structural solution to the imbalances that occur in the commercial insurance system in Indonesia.
Co-Authors Najwa Febriani Syahirul Alim