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All Journal Kunuz: Journal of Islamic Banking and Finance Khazanah Sosial
Nurlaila Isima
Institut Agama Islam Negeri Manado
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Implementation of Know your Customer Principles in Syariah Banking Nurlaila Isima; Sabiella Aulia Khoirunnisa
Kunuz: Journal of Islamic Banking and Finance Vol 3 No 1 (2023): Vol 3 No 1 (2023)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v3i1.600

Abstract

Tujuan dari penelitian ini adalah untuk mengidentifikasi dan menganalisis peraturan perundang-undangan Indonesia, implementasi dan hambatan dalam menerapkan prinsip "Know your Customer" di perbankan Syariah. Penelitian ini merupakan penelitian normatif empiris yang dilakukan melalui penelitian kepustakaan dan penelitian lapangan. Studi lapangan dilakukan di Bank Muamalat Indonesia cabang Manado. Pengumpulan data primer ini dilakukan melalui wawancara dengan informan. Data dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa prinsip "Know Your Customer" berlaku di Indonesia. Prinsip ini diperkenalkan oleh Basel Committee pada tahun 1988 dan kemudian disetujui oleh Peraturan Bank Indonesia No. 3/10/PBI/2001. Meningkatnya kompleksitas pencucian uang dan pendanaan teroris di Indonesia serta disahkannya UU No.8 Tahun 2010 dan UU No.9 Tahun 2013 kembali menegaskan perlunya setiap penyedia jasa keuangan untuk mengikuti prinsip “know your customer”. Bank Muamalat Indonesia Cabang Manado menerapkan prinsip “know your customer” sesuai ketentuan dan prosedur yang berlaku. Hambatan implementasi terkait dengan hubungan antara bank dengan nasabahnya atau perilaku nasabah, seperti ketidakjujuran nasabah dalam memberikan informasi kepada bank.
Reconciling Traditions: The Role of Local Wisdom in Mediating Divorce in Indonesia's Religious Courts Rosdalina Bukido; Sjamsuddin A. K. Antuli; Nurlaila Harun; Nurlaila Isima; Ulin Na'mah
Khazanah Sosial Vol. 6 No. 2 (2024): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v6i2.32809

Abstract

In response to escalating divorce rates in Indonesia, particularly within its Religious Courts, this study explores the limitations of current mediation practices. It proposes local wisdom-based mediation as an alternative approach. Traditional mediation within these courts often fails to prevent divorces effectively, prompting the need for innovative solutions that integrate cultural insights. This research aims to assess the effectiveness of mediation processes within Indonesia's Religious Courts and investigate the potential role of religious leaders in improving mediation outcomes. Specifically, it highlights how local wisdom can be leveraged to mitigate divorce rates by fostering reconciliation and resolving disputes outside formal legal procedures. Using an empirical approach, researchers collected data by interviewing 50 informants, namely judges, religious leaders, and the government, related to the increasing divorce rate. The findings that can be presented are that religious figures, as locals, can reconcile divorced parties without the need to go to religious courts. The Religious Court is seen as a formal facility to certify the divorce of both parties, but has yet to be able to prevent divorce optimally. That is, the high divorce rate in religious courts requires the involvement of religious leaders in reconciling parties who want to divorce. This study accepts the potential for integrating local wisdom in mediating to reduce divorce rates. With an emphasis on cultural sensitivity and community involvement, this approach aims to go beyond the limitations of conventional legal frameworks and promote more meaningful outcomes in resolving marital conflict.
Co-Authors Nurlaila Harun Rosdalina Bukido Sabiella Aulia Khoirunnisa Sjamsuddin A. K. Antuli Ulin Na'mah