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KAJIAN MAQASHID AL-SHARI'AH TERHADAP NILAI-NILAI ISLAMI PADA SEBUAH TRANSAKSI Muhammad Zainuddin Sunarto; Putri Nur Afrida; Ulfia Nuriantini
JURNAL HAKAM Vol 6, No 1 (2022)
Publisher : Fakultas Agama Islam Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jhi.v6i1.4467

Abstract

All forms of muamalah can be done unless evidence forbids it. In Islam, lending and borrowing are not prohibited. Even people who give debts or loans to other people who are in dire need are something that is liked or recommended because in it there is a great reward. The reality in society is that the financial transactions carried out are not by sharia values; this is evidenced by the absence of elements that must be found in the transaction, such as contracts and clarity of the price of goods. Most Indonesian occupation adherents of the Syafii madhhab, which in the sharia fiqh discourse, all transactions carried out must be based on a clear contract. Apart from that, the public has not been adequately educated regarding the urgency of sharia transactions in each economic activity because this is correlated with carrying out God's commands and religious values . In every sharia transaction, the contract agreement is made by the parties to be implemented/fulfilled together, not to be violated or ignored, because the contract agreement has a binding nature for the parties agreeing. Hence, the contract is a powerful tool and has an urgent position in every sharia transaction. The contract must be fulfilled and maintained as a joint commitment, and the contract is the primary reference in the event of a dispute. The dharuriyyah element in a sharia transaction can be found in Islamic values that must appear in every contract carried out by each individual; this shows the implementation of hifz al-din because carrying out religious orders related to a contract. So with the description above, the values of Islamic teachings contained in a contract or transaction that must be implemented are a form of maqashid al-shari'ah that must exist in the practice of muamalah.
ACCELERATION OF DIGITAL SERVICE LITERACY OF BANK JATIM SYARIAH CAPEM PROBOLINGGO TO CUSTOMERS IN AN EFFORT TO MINIMIZE THE RISK OF DIGITAL TRANSFORMATION Moh. Khoirul Anam; Saifuddin Saifuddin; Putri Nur Afrida
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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Abstract

This study aims to illustrate the importance of accelerating digital literacy to increase the literacy of Bank Jatim Syariah digital services to customers, so that customers are not easily exposed to digital-based fraud in online transactions, so as to minimize the risk of digital transformation. This research uses qualitative research with a descriptive approach based on the discovery of a social phenomenon or human problem that is currently occurring. The results of this study show that the acceleration of digital service literacy of Bank Jatim Syariah Capem Probolinggo applied to its customers is; First, providing literacy directly to customers when socializing Jconnect Mobile Bank Jatim Syariah. Second, conveying information in various media by following trends so that it is more attractive and easy to understand by customers and secures customer data information. Thus, it is an effective way to overcome the risk of digital transformation in the form of social engineering.
PENERAPAN KARAKTERISTIK MANAJEMEN RISIKO DALAM MEMINIMALISIR RISIKO KREDIT MACET PADA TOKO BAJU KREDIT RUMAHAN DI DESA ALASPANDAN Putri Nur Afrida
NATUJA : Jurnal Ekonomi Syariah Vol 1 No 2 (2022): (Mei 2022)
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi

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Abstract

There are several purposes in this article, the first aims to find out what are the factors that lead to bad credit at the Home Credit Clothing Store. The second aims to provide an overview of the application of risk management in minimizing the risk of bad clothes credit at Alaspandan Pakuniran Home Credit Clothing Stores. This article uses a qualitative approach research, because the research is based on the discovery of a social phenomenon or human problem that is currently happening. The study was conducted at the residence and location of the home credit clothing store business owner located in Alaspandan Pakuniran Village, Probolinggo Regency, East Java Province. The results show that if the character and business of the buyer of credit clothing is good, it will reduce the risk of bad credit. Therefore, in deciding the provision of clothing credit by the owner of the Home Credit Clothing Store, a more thorough analysis should be carried out.