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KETENTUAN PREMI ASURANSI SEBAGAI JAMINAN TERHADAP PEMBIAYAAN MURABAHAH PADA PERBANKAN SYARIAH Hidayatina Hidayatina
JURIS (Jurnal Ilmiah Syariah) Vol 14, No 2 (2015)
Publisher : Institut Agama Islam Negeri Batusangkar

Murabaha financing is a form of financing which is provided by sharia banking. However, murabaha financing can be granted by Islamic banks only at the risk of default on the part of the customers. Therefore, Islamic banks are allowed to require security to customers. One of the requirements is that the customers should submit a number of insurance premium amounts depending upon how much the ceiling of financing provided to customers, However, the implementation of provisions of the insurance premium is not suitable with the provision of guarantees and insurance concepts in Islamic economy. Such mechanism is not approved by sharia insurance fund forfeited as it is found in conventional insurance. It implies that if the customers of murabaha financing has fulfilled their obligations to pay the mortgage financing (he did not pass up defaults or die), they should get the collateral back since their debts have fully repaid.Kata kunci: premi, murabahah, perbankan syariah

PELUANG DAN KENDALA PENERAPAN TUGAS WILAYAH AL-HISBAH SEBAGAI PENGAWAS PASAR DI PROVINSI ACEH Hidayatina Hidayatina; Sri Hananan
JURIS (Jurnal Ilmiah Syariah) Vol 16, No 2 (2017)
Publisher : Institut Agama Islam Negeri Batusangkar

This study aims to analyze the opportunities and constraints in the implementation of the tasks of Wilayatul Hisbah as a market watchdog in Aceh Province. This research uses qualitative method (naturalistic paradigm) with case approach. The result of this research is the opportunity to apply market supervision as part of the task of Wilayatul Hisbah in Aceh by revising the qanun related to the implementation of the WH duties in Aceh. While the obstacles faced are the limitations of Qanun, the lack of understanding of community law, the presence of other market watchdog institutions, and the increasing lack of attention to the economic welfare of WH officers.

Religious development and child personality: What does religious psychology say about them? Wati, Salmi; Amelia, Rezki; Hidayatina, Hidayatina; Gusmirawati, Gusmirawati
INTERNATIONAL JOURNAL OF CHILD AND GENDER STUDIES Vol 8, No 1 (2022)
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/equality.v8i1.12767

This research aims to reveal how religious guidance in the formation of Islamic personality in children is seen from the study of religious psychology. Basically, personality and religious development in childhood is the responsibility of parents at home and teachers at school. So that the development can run as it should and can produce the expected results, it should be in an effort to foster the personality and religion of a child adjusted to his religious nature and religious development that is being passed. The research method used in this research is library research. By using descriptive analysis methods by collecting data, compiling or classifying, analyzing, and interpreting it. The results showed that the period of children is the beginning of religious coaching and personality. If the child's personal development is carried out properly, then in adolescence will not have difficulty in building his personality. Conversely, if the child fares poorly, where personal coaching in his family is not carried out properly and in school is less helpful, then he will face a difficult adolescence and his personal coaching will be very difficult.

Edukasi Literasi Perbankan Syariah kepada Anak Usia Dini di Taman Kanak-Kanak Tarbiyatul Athfal Gampong Blang Crum Kandang Kecamatan Muara Dua Lhokseumawe Hidayatina, Hidayatina; Mardhiah, Ainun; Khairina, Khalish
Catimore: Jurnal Pengabdian Kepada Masyarakat Vol 3 No 2 (2024): Catimore: Jurnal Pengabdian kepada Masyarakat
Publisher : LSM Catimore dan Sahabat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56921/cpkm.v3i2.242

In order to instill the virtue of frugal living, it is imperative to educate children on the practice of saving from an early age. Sharia-compliant banks offer a secure platform for savings. A recent educational initiative undertaken at Tarbiyatul Athfal Kindergarten, Lhokseumawe, on Thursday, July 11, 2024, using an interactive lecture approach to impart a comprehensive understanding of Sharia banking and its associated terms to young children. This program effectively equipped the children with a sound grasp of Sharia banking, as evidenced by their successful responses during the evaluation phase

STRATEGI PENGEMBANGAN USAHA BUMG BAYU SEPAKAT MANDIRI KECAMATAN SYAMTALIRA BAYU KABUPATEN ACEH UTARA Hidayatina, Hidayatina; Sarina, Wanta
Krigan: Journal of Management and Sharia Business Vol. 2 No. 1 (2024): Juni 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v2i1.8458

Penelitian ini mengkaji strategi pengembangan usaha BUMG Bayu Sepakat Mandiri di Kecamatan Syamtalira Bayu, Kabupaten Aceh Utara, yang merupakan inisiatif untuk menggali potensi dan peluang dalam peningkatan operasional serta pelayanan. Tujuan utama dari studi ini adalah untuk menyusun strategi konkret yang dapat diimplementasikan guna meningkatkan efisiensi dan efektivitas BUMG Bayu Sepakat Mandiri, sekaligus memperkuat basis ekonomi lokal. Metode penelitian yang digunakan meliputi analisis SWOT dan wawancara mendalam dengan stakeholder terkait, yang dilengkapi dengan observasi lapangan untuk memperoleh data yang komprehensif. Hasil penelitian menunjukkan bahwa penggabungan sumber daya dan diversifikasi produk merupakan strategi yang efektif dalam mengembangkan usaha. Lebih lanjut, temuan ini memberikan implikasi bahwa penerapan strategi yang tepat sasaran dan berkelanjutan dapat mengoptimalkan potensi lokal, meningkatkan kualitas hidup masyarakat, dan mendorong pertumbuhan ekonomi regional The novelty of this research lies in the merger of 14 BUMG in Syamtalira Bayu District, which previously barely operated and experienced stagnation, into a new BUMG called BUMG Bayu Sepakat Mandiri. This merger was carried out based on an agreement between the managers of the 14 BUMGs involved in the merger, so as to overcome one of the main obstacles in BUMG business development, namely the lack of business capital. Evidence of the effectiveness of this combination can be seen in previous research by Iyan et al. (2020), Pradini (2020), and Sulaksana & Nuryanti (2019), each of which only focuses on one BUMG. In contrast to that research, this study has a broader scope. Because of this, the author was motivated to carry out research at BUMG Bayu Sepakat Mandiri in Syamtalira Bayu District, North Aceh Regency.

Pelaksanaan Pembiayaan Murabahah Pada Spp Pnpm-Mp Menurut Tinjauan Ekonomi Syariah Hidayatina, Hidayatina; Suriani, Suriani
Proceedings of International Conference on Islamic Economic Finance and Social Finance (ISSN: XXXX-XXXX) (ESSN: XXXX-XXXX) Vol. 4 (2023): Proceedings of ICONIC SOF: Proceedings of International Conference on Islamic Economi
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62086/10.62086

The aim of this research are: 1) to know the implementation of the business capital assistance program for SPP PNPM-MP in Tanjong Pineung Village, Seunuddon District, North Aceh Regency Subdistrict) 2) to know the sharia economy review on the implementation of capital assistance program for SPP PNPM-MP in Tanjong Pineung Village, Seunuddon District, North Aceh Regency subdistrict. This research is qualitative research. The results of this research are: the implementation of business capital assistance for SPP PNPM-MP in Tanjong Pineung Village, Seunuddon District, North Aceh Regency, sub-district using murabaha system in the form of gold in accordance with the amount in accordance with the granted by the UPK SPP PMPM-Mandiri management in Gampong Murong Samudra District, and the concept of SPP financing carried out in Tanjong Pineung Village, Seunuddon District is still not in accordance with Islamic economics. This is evident in the implementation which is still the same as the previous concept, namely the percentage of interest. The murabahah contract referred to as sharia principles applied in the management of business capital assistance SPP PNMP-MP still seems only as a symbol, while in practice it has not been based on Islamic legal provisions, specifically the provisions of the murabahah contract.

Strategi Pengembangan Usaha BUMG Bayu Sepakat Mandiri Kecamatan Syamtalira Bayu Kabupaten Aceh Utara Hidayatina, Hidayatina; Sarina, Wanta
Krigan: Journal of Management and Sharia Business Vol. 2 No. 1 (2024): Juni 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v2i1.8458

Penelitian ini mengkaji strategi pengembangan usaha BUMG Bayu Sepakat Mandiri di Kecamatan Syamtalira Bayu, Kabupaten Aceh Utara, yang merupakan inisiatif untuk menggali potensi dan peluang dalam peningkatan operasional serta pelayanan. Tujuan utama dari studi ini adalah untuk menyusun strategi konkret yang dapat diimplementasikan guna meningkatkan efisiensi dan efektivitas BUMG Bayu Sepakat Mandiri, sekaligus memperkuat basis ekonomi lokal. Metode penelitian yang digunakan meliputi analisis SWOT dan wawancara mendalam dengan stakeholder terkait, yang dilengkapi dengan observasi lapangan untuk memperoleh data yang komprehensif. Hasil penelitian menunjukkan bahwa penggabungan sumber daya dan diversifikasi produk merupakan strategi yang efektif dalam mengembangkan usaha. Lebih lanjut, temuan ini memberikan implikasi bahwa penerapan strategi yang tepat sasaran dan berkelanjutan dapat mengoptimalkan potensi lokal, meningkatkan kualitas hidup masyarakat, dan mendorong pertumbuhan ekonomi regional The novelty of this research lies in the merger of 14 BUMG in Syamtalira Bayu District, which previously barely operated and experienced stagnation, into a new BUMG called BUMG Bayu Sepakat Mandiri. This merger was carried out based on an agreement between the managers of the 14 BUMGs involved in the merger, so as to overcome one of the main obstacles in BUMG business development, namely the lack of business capital. Evidence of the effectiveness of this combination can be seen in previous research by Iyan et al. (2020), Pradini (2020), and Sulaksana & Nuryanti (2019), each of which only focuses on one BUMG. In contrast to that research, this study has a broader scope. Because of this, the author was motivated to carry out research at BUMG Bayu Sepakat Mandiri in Syamtalira Bayu District, North Aceh Regency.

Islamic Financing Risk Identification and Management in a Frontier Sharia Pawn Financing Context Hidayah, Nurul; Adiaman, Andini; Hidayatina
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 2 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i2.7005

This study examines the identification and management of Islamic financing risks at PT Pegadaian Syariah Klademak Branch in Sorong, Southwest Papua, categorized as frontier (3T) region of Indonesia. A qualitative case study with thematic analysis approach was used to collect data through in-depth interviews with manager, officers and customers along with the document observation and analysis. According to the findings, financing risk can be divided into four main categories: financing, operational, reputational, and compliance. One of the most significant findings concerns financing risk, particularly in the Arum Haji financing product. This demonstrates that financing evaluation techniques that assess religious perspectives rather than a customer's ability to repay debt are considered irrelevant. The study also found that Pegadaian Syariah Klademak has implemented flexible risk management based on Islamic principles, as assessed by its flexible payment settlement process, humanistic communication, proactive reminders to customers to make timely payments, and active monitoring. Customers also trust the institution because they are honest and transparent, particularly in the collateral valuation process. Problems with repayment are generally caused by unstable customer behavior and income. These findings demonstrate the importance of financial literacy and behavioral interventions in Islamic financing risk mitigation and offer empirical insights from a frontier area context, it also provides recommendations for enhancing the effectiveness of risk management while maintaining institutional resilience, financial inclusion, and Sharia compliance.

Can Secular Law Be Understood as Sharia Law? A Philosophical Exploration Husni Husni; Miftahul Khairat; Hidayatina Hidayatina
International Journal of Sharia and Law Vol. 1 No. 2 (2025)
Publisher : Qiyam Islamic Studies Center Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65211/ijsl.v1i2.17

This article aims to philosophically examine whether secular law can be conceptually situated within the framework of sharia law by reinterpreting ḫiṭābullāh ta‘ālā as encompassing not only revealed texts but also natural and social phenomena. Employing a qualitative normative approach through conceptual and textual analysis of classical uṣūl al-fiqh literature, maqāṣid al-ṧarī’aḧ theory, and contemporary legal discourse, this study analyzes the epistemological and theological foundations of law formation. The findings demonstrate that secular law embodying universal values such as justice, public welfare, human dignity, and environmental balance may function as a medium for conveying ḫiṭābullāh within the category of the “open book” (al-kitāb al-maftūḥ), and can be integrated into Islamic legal reasoning through mechanisms of ijtihād, ‘urf, and maṣlaḥaḥ mursalaḥ, provided it remains consistent with the fundamental objectives of sharia. The study concludes that secular law and sharia law are not inherently antagonistic but potentially complementary, with maqāṣid-oriented reasoning enabling Islamic law to respond elastically to modern socio-legal realities, albeit with significant theological and legal implications such as a shift toward anthropocentric interpretation and the emergence of hybrid legal structures. This article contributes academically by offering a reconceptualization of ḫiṭābullāh and a philosophical framework for harmonizing sharia law with secular legal systems without reducing Islamic law to mere pragmatic legitimation.

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