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All Journal Al-'Aqdu: Journal of Islamic Economics Law Jurnal Multidisiplin Riset Ilmiah (ATRIA) Referensi Islamika: Jurnal Studi Islam
Nenden Herawaty Suleman
Institut Agama Islam Negeri Manado
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

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EKONOMI POLITIK INDONESIA SAAT INI, KEBIJAKAN, PENERAPAN SERTA TANGGAPAN MASYARAKAT KECAMATAN SINGKIL KOTA MANADO Nenden Herawaty Suleman; Ferdiansyah Parenrengi; Tirta Kurniawan Oelfa
Al-'Aqdu: Journal of Islamic Economics Law Vol 1, No 1 (2021): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/ajiel.v1i1.1509

Abstract

Ekonomi politik merupakan penggabungan antara bidang ekonomi dan politik, menggabungkan dua focus yang berbeda. Setidaknya, keduanya memiliki perhatian yang sama terhadap isu-isu sebagai berikut: mengorganisasi dan mengoordinasi kegiatan manusia, mengelola konflik, mengalokasikan beban dan keuntungan, dan menyediakan kepuasan bagi kebutuhan dan keinginan manusia.selain itu dalam penanganan terhadap adanya pandemi, dalam aspek ekonomi dan politik merupakan tantangan bagi pemerintah dan juga merupakan suatu hal yang penting. Penerapan terhadap kebijakan-kebijakan tersebut juga menjadi tantangan tersendiri, sebab dalam penerapannya perlu diperhatikan agar kebijakan tersebut dapat terlaksana sebagaimana mestinya.
LEGAL PROTECTION OF NON-MUSLIM WAKAF IN A MULTICULTURAL SOCIETY: AN ISLAMIC LEGAL PERSPECTIVE UTILIZING THE MASLAHAH APPROACH IN MANADO CITY Nenden Herawaty Suleman; Suprijati Sarib; Moh. Hidayatullah A.K Husein; Moh. Rafiq Soleman
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): June
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.527

Abstract

This study aims to analyze legal protection for non-Muslim waqf practices in the multicultural community of Manado City through an Islamic legal perspective based on the principle of maslahah. This study also examines the role of the Waqf Deed Official (PPAIW) in the multicultural transformation of waqf land registration. This research uses a qualitative case study approach with juridical-normative and empirical methods. Data were collected through document analysis, in-depth interviews, participant observation, and focus group discussions involving PPAIW, nazhir (Islamic legal adviser), religious leaders, and land office officials in Manado. The research indicates that the principle of maslahah provides flexibility in interpreting non-Muslim waqf as a form of social contribution that supports public welfare and interfaith harmony. However, normative differences among Islamic scholars regarding the legality of non-Muslim waqf remain a challenge. The study also identified a significant gap between national waqf policy and local implementation, reflected in the low percentage of waqf land certified. Despite these limitations, PPAIW demonstrates adaptive capacity in bridging Islamic law, state regulations, and local cultural values. This research contributes to the development of a more adaptive and inclusive waqf legal framework in multicultural societies. However, this research is limited to the local context of Manado City and may not be fully representative of other multicultural regions in Indonesia. This study offers a new perspective on integrating the principle of maslahah with multicultural realities in waqf administration, highlighting the strategic role of PPAIW in promoting inclusive and socially responsive waqf governance in Indonesia.
Dualism of Financing Systems at Politeknik Pelayaran Sulawesi Utara: A Comparison of Islamic and Conventional Banks Maghfira Schu; Nenden Herawaty Suleman; Suprijati Sarib
ATRIA: Jurnal Multidisiplin Riset Ilmiah Vol. 3 No. 1 (2026): ATRIA - Januari 2026
Publisher : PT. Alpha Trianguli Australis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62554/8rj4vz69

Abstract

This study examines and compares the financing systems implemented by Bank Syariah Indonesia (BSI) and Bank Mandiri for civil servants (ASN) at Politeknik Pelayaran Sulawesi Utara (Poltekpel Sulut) from an Islamic economics perspective. Using a mixed-method approach with a Sequential Explanatory strategy, primary data were obtained through in-depth interviews with five purposively selected informants, comprising bank marketing officers, institutional finance managers, and ASN employees as customers, supported by secondary data such as cooperation agreements, banking regulations, DSN-MUI fatwas, and academic literature. The findings show that Bank Mandiri applies an effective interest-based credit scheme of around 8% per year with a one-working-day disbursement process, while BSI uses the shariah contracts of murabahah, musyarakah mutanaqisah (MMQ), and ijarah with a 9% margin fixed at the outset of the contract and a disbursement process of about one week. From the perspective of Islamic economics grounded in maqashid al-syariah, BSI's financing system better reflects the values of justice ('adl), transparency (tabligh), and risk-sharing partnership (musyarakah), whereas Bank Mandiri's interest-based system falls under riba nasi'ah, which places the entire financial risk on the debtor. This study recommends strengthening Islamic financial literacy among civil servants and developing shariah-compliant financing products at maritime vocational education institutions to realize an inclusive, equitable national financial system consistent with Islamic ethics.
Co-Authors Ferdiansyah Parenrengi Maghfira Schu Moh. Hidayatullah A.K Husein Moh. Rafiq Soleman Suprijati Sarib Tirta Kurniawan Oelfa