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All Journal Al-Istimrar: Jurnal Ekonomi Syariah ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora
Muhammad Saleh
STAI Jam’iyah Mahmudiyah Langkat
Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Kualitas Agunan terhadap Keputusan Melakukan Pembiayaan Murabahah Di PT. Bank Syariah Indonesia Tbk KCP Stabat Eli Syahfitri; Muhizar Muchtar; Muhammad Saleh
Al-Istimrar: Jurnal Ekonomi Syariah Vol. 1 No. 1 (2022): Edisi Mei 2022
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/istimrar.v1i1.52

Abstract

Di Indonesia telah berkembang pesat salah satunya adalah pembiayaan murabahah dengan kegiatan pengembangan usaha-usaha produktif dan investasi dalam meningkatkan kualitas kegiatan ekonomi pengusaha kecil dan kecil dengan-antara lain yang mendorong kegiatan penunjang pembiayaan kegiatan ekonominya. Pembiayaan sangat bermanfaat bagi Bank Syariah, Nasabah maupun pemerintah karena memberikan hasil yang sangat besar dari penyalur dana lainnya. Penyaluran dana dalam bentuk yang didasarkan pada kepercayaan yang diberikan oleh pihak pemilik dana kepada pengguna dana. Pembiayaan yang diberikan oleh Bank Syariah berbeda dengan kredit yang diberikan oleh Bank Konvensional. Dalam Perbankan Syariah kembaliatas pembiayaan tidak berbentuk bunga, tetapi dalam bentuk bagi hasil ataupun akad-akad yang disediakan di Bank Syariah. Dalam praktik perbankan, ketika barang telah diserahkan kepada bank, maka bank akan menjualnya kepada rekan nasabah atau kepada nasabah itu sendiri secara tunai atau secara cicilan. Harga jual yang ditetapkan oleh bank adalah harga beli bank dari nasabah ditambah keuntungan. Keputusan Pembiayaan adalah proses pengambilan keputusan disetujui atau tidaknya pembiayaan yang diusulkan. utama yang digunakan dalam mengatur kewenangan dalam pengambilan keputusan pembiayaan. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif. Pendekatan pada penelitian ini merupakan pendekatan asosiatif atau hubungan. Terdapat pengaruh yang signifikan antara Pengaruh Kualitas Agunan terhadap Keputusan melakukan Pembiayaan di Bank Syariah Indonesia Kantor Cabang Stabat Langkat. Jika Kualitas Agunan meningkat maka Keputusan melakukan Pembiayaan di Bank Syariah Indonesia Kantor Cabang Stabat juga akan meningkat, begitupun sebaliknya
Penerapan Ghadhul Bashar di Era Digital dalam Kehidupan sebagai Generasi Z : Studi Kasus di Dusun IV Panton-Pangkalan Susu Arbiyansyah Al Fajar; Muhammad Saleh; Kamaliah R
ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora Vol. 3 No. 2 (2025): ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/aladalah.v3i2.1211

Abstract

This study examines the implementation of Ghadhdhul Bashar (lowering one's gaze) in the life of Generation Z in the digital era, focusing on the youth of Dusun IV Panton, Pangkalan Susu. The study addresses the phenomenon of increasing free association and access to digital content that contradicts Islamic principles, such as unsupervised interactions between opposite genders. The research aims to explore Generation Z's behavioral patterns toward digital media and social interactions, as well as to evaluate the application of Ghadhdhul Bashar values as an educational solution. The study employs a qualitative approach using interviews, observations, and literature reviews as data collection techniques. The findings reveal that the implementation of Ghadhdhul Bashar is still minimal due to a lack of religious understanding, the influence of social media, and weak environmental control. This study recommends an educational approach based on Islamic values and increased collective awareness as a strategy to implement Islamic principles in the digital era.
Pandangan MUI Langkat terhadap Budaya Tabur Bunga di Atas Perahu Baru yang Akan Pergi Melaut: Studi Kasus di Pelabuhan Sei Bilah Pangkalan Brandan Muhammad Refli Reynaldi; Muhammad Saleh; Diyan Yusri
ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora Vol. 3 No. 2 (2025): ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/aladalah.v3i2.1215

Abstract

Based on the results of observations at the research location, the identification of the problems found was obtained, namely: The implementation of the flower sowing culture in the coastal areas of Langkat Regency is still carried out precisely as a cultural tradition. Communities who carry out the sea jamu ritual do not yet have a qualified understanding of religion. So that the implementation of the sea herbal ritual is considered a tradition in the Malay tribe which is still preserved without regard to the legal lines in Islamic religious teachings. The results of these observations are used by the authors as a basis for formulating the problem in this study, namely how is the compatibility between culture and Islamic law regarding the implementation of sowing flowers in the Langkat Regency area? The research method used is a qualitative research method, namely the author collects data through data collection techniques in a theoretical description and facts in the field based on observations, interviews and documentation so that the results of the implementation of this research are: Efforts to standardize the sea alms ceremony tradition from elements elements prohibited by Islam, one of which is the use of offerings in the form of various kinds of food and buffalo heads or goat heads, namely by providing enlightenment to the community little by little, slowly and gradually, as was done by the scholars and religious leaders in Sei Blade. It is different from the sea alms ceremony in Sei Bilah because the community has a strong belief in things like that. In the procession of the sea alms ceremony in Sei Bilah, the ritual of burning incense and believing in the myth of the existence of sea guardians.
Co-Authors Arbiyansyah Al Fajar Diyan Yusri Eli Syahfitri Kamaliah R Muhammad Refli Reynaldi Muhizar Muchtar