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All Journal Istidlal: Jurnal Ekonomi dan Hukum Islam
Subaidi Subaidi
Universitas Ibrahimy
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Peran dan Fungsi Perbankan Syariah Perspektif Sosio-Kultur Subaidi Subaidi
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol. 2 No. 2 (2018)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/istidlal.v2i2.111

Abstract

In the context of urban economic community of Indonesia, several terms, such as paroan, prapatan, dan pertelon are quite popular. Such terminology has influence economic activities which have become tradition that support profit sharing principles which are practiced by Sharia banking. Such profit sharing practices basically aims creating justice and provide balances for economic users and their environments. Furthermore, profit sharing practices show partnership relation among enterprise practitioners; more than just the relationship between superiors and subordinators. These kinds of spirits not only end in profit orientedd but also establish human based on relationship which aims at helping and caring either. Dealing with the nature of the sprit above, Sharia economic practitioners should have energized and inspired, abled to realize them in more reality, and was synergic economic relationship. However, one important thing that they usually forget to develop business institution is lack of understanding toward the culture of the society local culture and wisdom of the society is one of the significant factors required in designing, harmonizing, and, developing business. This implies that a where they built business, including Sharia banking. Understanding toward business institution should not aim at corporate oriented only. In fact, it should have relations of socio-culture and corporate social responsibility.
Keunggulan Dinar dan Dirham Sebagai Mata Uang Menurut al-Ghazali dan Ibnu Taimiyah Subaidi Subaidi
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol. 2 No. 1 (2018)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/istidlal.v2i1.122

Abstract

The presence of currency is very easy for people to meet daily needs compared to barter system. Before recognizing paper money as it is now, people used to use the currency of gold and silver, known as dinar and dirham. Many Muslim scholars have contributed greatly to his thinking about the concept of dinars and dirhams as currencies in Islam. Among them, are al-Ghazali and Ibn Taimiyah. Al-Ghazali realized the important role of dinar and dirham as currency. The role of dinars and dirhams of pure gold and silver as currency is very urgent and cannot be replaced by other goods, because dinars and dirhams have privileges, namely: scarcity, durable and favored.
Akad Qardl Hasan sebagai Solusi Ekonomi Kerakyatan Subaidi Subaidi; Ahmad Muzakki
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol. 3 No. 1 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/istidlal.v3i1.129

Abstract

Qardl hasan is the treasure given by the debt provider (muqridh) to the debt recipient (muqtaridh) then to be returned to them (muqridh) according to the amount received when he has been able to pay without obligation to pay interest or other benefits, because in qardl actually there is no clause with coercion where one side does not abuse the other. Muqtaridh is only burdened with paying off debts as big as the loan within a certain period. However, muqtaridh is recommended to return the better of debts to muqridh. Because the essence of qardl hasan is to reward Allah for Islamic interests, and of course the repayment is not same as the repayment made by humans. In this case of Islamic banking represented by Bank Muamalat Indonesia has completely arranged matters relating to qardl hasan which are generally in accordance with the rules in fiqh. If qardl hasan is implemented properly and those distributions of funds can reach all levels of middle to lower class in society, so it will be the solution for the economic progress in society.
Penerapan Manajemen Risiko Pembiayaan di BMT Maslahah, Cabang Pembantu Olean Situbondo Subaidi Subaidi; Ikmalul Ihsan
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol. 3 No. 2 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/istidlal.v3i2.154

Abstract

BMT Maslahah Sub-Branch Olean in Situbondo still faces several problems and risks in providing financing to customers, because the customer intentionally does not return the financing he has obtained, even though he was able to repay the loan. This study focuses on how the applications of risk management in the financing, the causes and the solutions in BMT Maslahah Sub-Branch Olean of Situbondo. This study uses a qualitative approach with a case study strategy. Data collection is done by connecting questions with data obtained from conclusions from the interview of several persons in BMT Maslahah Sub-Branch Olean in Situbondo. The results of the study indicate that the risk of loss is the high number of problematic financing, starting from the difficulties and even payment defaults from customers caused by the loss of the ability of customers to pay installments and profit sharing to them. The effort carried out by them in saving the problematic financing is by rescheduling, reconditioning, and restructuring. They also cooperate with insurance companies to cover the losses.
Co-Authors Ahmad Muzakki Ikmalul Ihsan