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All Journal Waraqat : Jurnal Ilmu_Ilmu Keislaman Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Mustafa Kamal Rokan
Universitas Islam Negeri Sumatera Utara
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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Strategy in Handling Problem Financing at PT. Bank Sumut Syariah KCPSY Karya Dwi Regina Erni; Mustafa Kamal Rokan
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.489

Abstract

Banking is one of the financial institutions that play an important role in the economy of a country. One of the current economic developments in Indonesia is the emergence of shariabased financial institutions, one of which is Islamic banking. Like the function of banking itself, namely as an intermediary institution between people who need capital and people who have excess capital. One of the Islamic banking facilities is financing, namely the distribution of funds from banks to customers who need working capital. The bank will provide capital to customers as business capital whose business results will be calculated for the results according to the agreement. However, in reality, in this financing, it is not uncommon for customers to experience default on installment payments. One of the causes of non-financing itself is due to business conditions that may decline. To minimize the risk of bad financing itself, banks must be able to create clear regulations. In this article, we will discuss the various strategies carried out by the Bank SUMUT Syariah Karya Medan in dealing with bad financing.
Narcotics Brokers and Logistics Routes in Indonesia: Legal System Weaknesses from Ḥifẓ al-'Aql Perspective Muhammad Hasan Nasution; Mhd Syahnan; Mustafa Kamal Rokan
WARAQAT : Jurnal Ilmu-Ilmu Keislaman Vol. 10 No. 2 (2025): Waraqat: Jurnal Ilmu-Ilmu Keislaman
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M) Sekolah Tinggi Agama Islam As-Sunnah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51590/waraqat.v10i2.1161

Abstract

This study examines the roles of brokers and logistics routes in Indonesia's narcotics supply chain, which has evolved into a transnational network connecting Golden Triangle production centers (particularly Myanmar's Shan State) with domestic markets through intermediate distribution nodes. The research employs a normative juridical method supported by a socio-legal approach and qualitative analysis, utilizing data from UNODC, BNN (National Narcotics Agency), Customs, and previous research reports to analyze the intersection of global economic dynamics, legal system weaknesses, and narcotics trafficking operations. Findings reveal that brokers serve three critical functions: connecting international manufacturers with domestic markets, controlling pricing mechanisms, and designing logistics routes through major ports (Tanjung Priok, Batam) and minor harbors across maritime and air channels. Indonesia's consumer market comprises approximately 3.3 million narcotics users (1.73% of the population aged 15-64 years), with high prevalence rates in North Sumatra (6.5%), South Sumatra (5%), and DKI Jakarta (3.3%). However, law enforcement remains concentrated at the downstream level, with over 70% of prosecuted cases targeting users and couriers rather than intermediate brokers. Legal system weaknesses—particularly in Money Laundering (TPPU) instruments, customs supervision, and international cooperation—enable brokers to exploit regulatory gaps and maintain network resilience despite increased arrests. From the Maqasid Syariah perspective, specifically the principle of Hifz al-'Aql (protection of reason), this study proposes non-penal policy reconstruction emphasizing preventive, educational, and rehabilitative approaches that extend beyond criminal sanctions to protect community morals, reason, and welfare through structural reforms in financial regulation, logistics supervision, and international legal diplomacy.
Co-Authors Dwi Regina Erni Mhd Syahnan Muhammad Hasan Nasution