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Pola Penyelesaian Sengketa Perbankan Syariah pada Pengadilan Agama di Indonesia Muhammad Ridwan
Jurnal Hukum Ekonomi Syariah Vol 4, No 02 (2020): JURNAL HUKUM EKONOMI SYARIAH (DESEMBER 2020)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v4i02.4616

Pasal 49 UU No. 3 Tahun 2006 tentang Perubahan Atas UU No. 7 Tahun 1989 tentang Peradilan Agama yang salah satu kewenangan Pengadilan Agama mengadili sengketa perbankan syariah. Dalam penyelesaian sengketa, Pengadilan Agama menggunakan hukum formil dan hukum materiil. Hukum formil berupa tata cara penyelesaian sengketa diatur dengan Peraturan Mahkamah Agung dan hukum acara dalam KUHPerdata. Sedangkan hukum materiil berupa KHES, Fatwa DSN-MUI, Peraturan Bank Indonesia, dan Peraturan Otoritas Jasa Keuangan dan peraturan perundang-undangan lainnya. Penelitian ini berupaya menemukan pola penyelesaian sengketa perbankan syariah di Peradilan Agama, menemukan faktor penyebab terjadinya sengketa perbankan syariah serta menemukan dampak vonis terhadap perkembangan ekonomi syariah. Penelitian ini menggunakan metode hukum normatif yaitu menganalisis pertimbangan hukum hakim dalam mengadili sengketa perbankan syariah pada Pengadilan Agama. Adapun sumber data berupa bahan hukum primer, sekunder dan tersier. Penelitian ini menunjukkan bahwa penyelesaian sengketa perbankan syariah ditemukan fakta yaitu; Pertama, Hakim mengadili sengketa perbankan syariah menggunakan: 1. Hukum formil berupa PERMA dan KUHPerdata, 2. Hukum materiil berupa KHES, Fatwa DSN-MUI, PBI serta OJK. Kedua, Menemukan faktor penyebab terjadinya sengketa yaitu: 1. Faktor Norma dalam akad, pemahaman yang kaku mengakibatkan wanprestasi, keadaan memaksa dan perbuatan melawan hukum, 2. Faktor pemenuhan hak dan kewajiban para pihak, 3. Faktor sosial budaya konsumtif oleh pihak perbankan dan nasabah. Ketiga, Menemukan dampak vonis terhadap perkembangan ekonomi syariah keadilan, lembaga keuangan serta kesejahteraan rakyat. Maka merekomendasikan untuk menyempurnakan hukum formil peradilan Agama, menguatkan pemahaman nasabah dan perbankan syariah pada klausul akad perjanjian, perkembangan ekonomi syariah yang berdampak kepada lembaga keuangan, nasabah dan masyarakat secara umum

Analisis Implementasi Norma Akad Murabahah Bil Wakalah pada Unit Usaha Syariah (UUS) Bank Sulsebar Cabang Syariah Makassar St Walida Mustamin; Alifa Dzahabiyah Sir; Muhammad Ridwan; Abdillah Abdillah
PILAR Vol 13, No 2 (2022): JURNAL PILAR, DESEMBER 2022
Publisher : PILAR

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Penelitian ini menggunakan metode kualitatif dengan analisis deksriptif. Teknik Pengumpulan data yang digunakan dalam penelitian ini yaitu melalui proses wawancara dan dokumentasi dengan salah seorang karyawan yang bekerja pada bidang Analisis Kredit/Pembiayaan dan juga nasabah pembiayaan akad Murabahah bil Wakalah. Penelitian ini dilaksanakan di UUS Bank Sul-Selbar Cabang Syariah Makssar yang berlangsung selama dua bulan dimulai pada bulan Desember 2021 sampai Februari 2022 Penelitian ini bertujuan untuk mengetahui praktik akad Murabahah bil Wakalah dan pengimplementasian norma akad Murabahah Bil Wakalah yang dilaksanakan oleh UUS Bank Sul-Selbar Cabang Syariah Makassar. Adapun hasil dari penelitian yang telah dilaksanakan menunjukkan bahwa praktik akad Murabahah Bil Wakalah telah berjalan sesuai dengan Fatwa DSN-MUI No. 4/DSN-MUI/IV/2000 tentang pelaksanaan akad murabahah dan pengimplementasian norma akad Murabahah bil Wakalah telah mematuhi norma syariah yakni menghindari hal-hal yang bertentangan dengan Syariah dan pelaksanaannya telah mengikut prinsip-prinsip Syariah yaitu: Keadilan, Tolong Menolong, Kebersamaan, dan Kehalalan. Kata Kunci: Norma, Murabahah bil Wakalah, UUS BPD Syariah Makassar

EFEKTIVITAS PROGRAM PEMBIAYAAN MIKROFINANCE DESA OLEH BAZNAS DALAM MENDORONG PENGEMBANGAN USAHA MIKRO MUSTAHIK Jasri Jasri; Andi Syarifah Wahdah; Muhammad Ridwan; Abdul Malik
Jurnal Bina Bangsa Ekonomika Vol. 16 No. 2 (2023): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v16i2.409

This study is intended to identify how the implementation of the village microfinance program by Baznas affects the development of micro-enterprises owned by mustahik in BAZNAS, Maros Regency. The research method used in this study is descriptive qualitative research. Data collection methods include observation, face-to-face interviews, and documentation. Research findings show that the implementation of the Village Microfinance program by the National Amil Zakat Agency in Maros Regency contributes significantly to micro-entrepreneurs in developing their businesses, especially for those who have difficulty accessing capital. This program also helps micro-entrepreneurs to overcome the impact of declining income due to the impact of the COVID-19 pandemic. In addition to financial support, mustahik engaged in the micro business sector also receive market access assistance from the Village Microfinance program by BAZNAS, making it easier for them to promote the business products they produce

Analisis Penerapan Wisata Halal Dalam Meningkatkan Pendapatan Usaha UMKM Di Centre Point Of Indonesia (CPI) Kota Makassar Muhammad Zuhud Rizki; Hurriah Ali Hasan; Muhammad Ridwan
Advances In Education Journal Vol. 2 No. 4 (2026): Advances In Education Journal (Februari)
Publisher : Yayasan Al-Afif

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Penelitian ini bertujuan untuk menganalisis penerapan wisata halal di kawasan CPI serta dampaknya terhadap peningkatan pendapatan usaha mikro, kecil, dan menengah (UMKM). Metode penelitian yang digunakan adalah deskriptif kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa penerapan wisata halal di CPI sudah berjalan cukup baik, yang tercermin dari ketersediaan fasilitas ibadah, penyediaan produk makanan dan minuman halal, serta pelayanan yang ramah dan sesuai prinsip syariah. Penerapan ini memberikan rasa nyaman dan aman bagi wisatawan muslim, sehingga mendorong peningkatan jumlah pengunjung. Dampaknya, pendapatan UMKM di kawasan CPI mengalami peningkatan yang signifikan. Namun, penelitian ini juga menemukan bahwa masih terdapat beberapa kendala, seperti kurangnya pelatihan khusus bagi pelaku UMKM mengenai standar wisata halal, minimnya promosi, serta perlunya pengawasan yang lebih ketat terhadap kepatuhan pelaku usaha terhadap prinsip halal. Oleh karena itu, diperlukan upaya optimalisasi melalui pelatihan, promosi yang intensif, dan peningkatan fasilitas penunjang untuk memperkuat citra CPI sebagai destinasi wisata halal unggulan.

Analisis Kepatuhan Warga Muhammadiyah Terhadap Penggunaan Bank Syariah (Studi Kasus Universitas Muhammadiyah Makassar) Ahmad Azhary Anas; Muhammad Ridwan; Siti Walida Mustamin
Advances In Education Journal Vol. 2 No. 4 (2026): Advances In Education Journal (Februari)
Publisher : Yayasan Al-Afif

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This study examines the level of compliance of Muhammadiyah members at Universitas Muhammadiyah Makassar in using Islamic banking services and identifies the factors influencing such compliance. Employing a descriptive qualitative approach, data were collected through in-depth interviews, observations, and document analysis involving students and academic community members. The findings indicate that the level of compliance in using Islamic banks remains relatively low, despite the institution’s strong Islamic values. This condition is primarily influenced by limited Islamic financial literacy, misconceptions regarding the differences between Islamic and conventional banks, environmental and social influences, and perceived convenience of conventional banking services. From an Islamic perspective, compliance in financial transactions is closely linked to religious awareness and adherence to Sharia principles. Therefore, strengthening Islamic financial education, enhancing the Islamic campus culture, and fostering collaboration between universities and Islamic banks are essential strategies to improve Sharia banking compliance within Islamic higher education institutions

Pengaruh Label Informasi dan Kesadaran Perlidungan terhadap Keputusan Pembelian pada Produk Kosmetik di Kota Makassar Aden Pratiwi; Muhammad Ridwan; Fakhruddin Mansyur
Al-Ilmiya: Jurnal Pendidikan Islam Vol. 1 No. 5 (2026): Al-Ilmiya: Jurnal Pendidikan Islam (Maret)
Publisher : Al-Ilmiya: Jurnal Pendidikan Islam

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The rapid growth of the cosmetic industry in Indonesia, particularly in Makassar City, has been accompanied by the widespread circulation of cosmetic products that do not fully comply with statutory labeling requirements. Inadequate or misleading product information may undermine consumer safety and violate consumer rights as stipulated under prevailing consumer protection laws. Accordingly, consumer awareness of legal protection constitutes a crucial determinant in shaping purchasing decisions for cosmetic products. This study aims to analyze the legal effect of information labeling and consumer protection awareness on purchasing decisions of cosmetic products in Makassar City, both partially and simultaneously. This research adopts a quantitative approach employing a survey method. Primary data were obtained through structured questionnaires distributed to 156 respondents who had previously purchased and used cosmetic products in Makassar City. The data were analyzed using multiple linear regression techniques with the assistance of SPSS software. The findings demonstrate that information labeling has a positive and statistically significant effect on consumers’ purchasing decisions. Likewise, consumer protection awareness exerts a positive and statistically significant influence on purchasing decisions. Simultaneously, information labeling and consumer protection awareness significantly affect purchasing decisions of cosmetic products in Makassar City. These results indicate that consumers are more likely to purchase cosmetic products that provide complete, clear, and legally compliant labeling, supported by a sound understanding of consumer rights and obligations as regulated under Law Number 8 of 1999 on Consumer Protection and the relevant regulations of the Indonesian Food and Drug Authority (BPOM) concerning cosmetic labeling.

Pengaruh Iklan Digital terhadap Penjualan Makanan Halal Siap Saji di Makassar Anatasya; Muhammad Ridwan; Abdul Malik
Al-Ilmiya: Jurnal Pendidikan Islam Vol. 1 No. 5 (2026): Al-Ilmiya: Jurnal Pendidikan Islam (Maret)
Publisher : Al-Ilmiya: Jurnal Pendidikan Islam

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The development of information technology has encouraged the use of digital advertising as a marketing strategy, particularly in halal fast food businesses in Makassar. This study aims to analyze the effect of digital advertising on increasing sales of these products. This study used a quantitative approach with a sample of 157 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using simple linear regression, t-test, and the coefficient of determination (R²). The results showed that digital advertising had a positive and significant effect on sales, with a beta coefficient of 0.831 and a significance level of <0.05. The R² value of 0.691 indicates that 69.1% of sales variation is influenced by digital advertising. Marketing through social media such as Instagram and TikTok has proven effective in increasing consumer purchasing interest through attractive visual content and clear product information. Thus, digital advertising is an effective marketing strategy in increasing sales of halal fast food and is in line with Sharia principles that emphasize transparency and honesty.

Implementasi Prinsip Syariah dalam Pengelolaan Dana Desa untuk Meningkatkan Kesejahteraan Masyarakat Desa Rannaloe Kecamatan Bungaya Kabupaten Gowa Muh Nurdin; Muhammad Ridwan; Abdul Malik
Al-Ilmiya: Jurnal Pendidikan Islam Vol. 1 No. 5 (2026): Al-Ilmiya: Jurnal Pendidikan Islam (Maret)
Publisher : Al-Ilmiya: Jurnal Pendidikan Islam

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Penelitian ini bertujuan untuk menganalisis implementasi prinsip syariah dalam pengelolaan dan pelaporan Dana Desa serta dampaknya terhadap peningkatan kesejahteraan masyarakat di Desa Rannaloe, Kecamatan Bungaya, Kabupaten Gowa. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa pelaporan penggunaan Dana Desa telah dilaksanakan berdasarkan prinsip syariah, khususnya amanah, kejujuran, transparansi, dan keadilan. Aparat desa mengelola dan melaporkan dana secara bertanggung jawab, terbuka kepada masyarakat melalui papan informasi dan forum musyawarah desa, serta didukung oleh mekanisme pengawasan dari BPD dan masyarakat. Praktik ini memperkuat kepercayaan publik dan menjaga stabilitas sosial di tingkat desa.Pengelolaan Dana Desa juga memberikan dampak nyata terhadap peningkatan kesejahteraan masyarakat melalui pembangunan infrastruktur, peningkatan aktivitas ekonomi dan sosial, serta penyaluran bantuan sosial yang tepat sasaran. Meskipun manfaatnya belum sepenuhnya merata karena keterbatasan anggaran, secara umum pengelolaan Dana Desa telah meningkatkan rasa keadilan, kepercayaan masyarakat, dan kualitas hidup warga Desa Rannaloe.

Pengaruh Label Halal terhadap Minat Beli Konsumen Produk Frozen Food di Kota Makassar Hafsah Hasan; Muhammad Ridwan; Abdul Malik
Al-Ilmiya: Jurnal Pendidikan Islam Vol. 1 No. 5 (2026): Al-Ilmiya: Jurnal Pendidikan Islam (Maret)
Publisher : Al-Ilmiya: Jurnal Pendidikan Islam

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This study aims to determine the level of consumer purchase intention toward frozen food products in Makassar City and to analyze the influence of halal labeling on such purchase intention. Frozen food products are widely favored by the public due to their practicality; however, they also raise concerns regarding the clarity of ingredients and production processes, particularly among Muslim consumers. Therefore, the presence of a halal label is considered an important factor in providing a sense of security and increasing consumer trust in making purchasing decisions. This research employs a quantitative method with a survey approach. The population of this study consists of Muslim consumers in Makassar City who have previously purchased frozen food products. The sampling technique used is purposive sampling, with a total of 135 respondents determined using the Slovin formula with an error tolerance of 8%. Data were collected through an online questionnaire using a Likert scale. The collected data were then analyzed using classical assumption tests and simple linear regression analysis with the assistance of SPSS version 27. The results of the study indicate that halal labeling has a positive and significant effect on consumer purchase intention toward frozen food products in Makassar City. This is evidenced by a significance value of less than 0.05 and a coefficient of determination showing that the halal label variable explains a substantial portion of the variation in consumer purchase intention. These findings confirm that halal labeling not only functions as a religious symbol but also serves as an indicator of quality and trust that influences Muslim consumer behavior. Thus, this study provides both theoretical and practical contributions to the development of halal product marketing, particularly in the frozen food industry.

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