Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Journal of Legal and Cultural Analytics (JLCA)
Sari Husmaijar
Fakultas Hukum, Universitas Sumatera Utara
Law, Crime, Criminology & Criminal Justice

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Problems in Determining Customer Official Income in Fund Distribution and Financing Installment Payments Based on Aceh Qanun Number 11 of 2018 Concerning Islamic Financial Institutions Sari Husmaijar; Hasballah Thaib; Utary Maharany Barus; Idha Aprilyana Sembiring
Journal of Legal and Cultural Analytics Vol. 2 No. 1 (2023): February, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jlca.v2i1.3402

Abstract

The Aceh government has ratified Qanun Aceh number 10 of 2018 concerning Islamic Financial Institutions, the content of which is an order against all financial institutions, both banks and non-banks, must operate in accordance with sharia principles. Article 14 paragraphs and (6) states that financing distributed by Islamic banks prioritizes profit-sharing-based contracts and also pays attention to the abilities and needs of customers, the ability and needs of customers must pay attention to: financing applications from prospective customers based on the needs, business / business prospects of prospective customers who meet the criteria for banking financing eligibility.  This type of research is Normative Law research. The results showed that the principle in determining official income is the application of the 5C principle (character, capacity, capital, collateral, condition of economy) as a guideline for Islamic banks in making decisions on whether customers are worthy or not to receive financing from banks. The application of the principle of official customer income in the distribution of funds and payment of financing installments is carried out by looking at the ability and ability of customers from how much income.
Co-Authors Hasballah Thaib Idha Aprilyana Sembiring Utary Maharany Barus