Claim Missing Document
Check
Articles

Found 3 Documents
Search
Journal : Al-Mudharabah

PEMBIAYAAN QARDHUL HASAN PADA PRODUK SUPER MIKRO BANK ACEH SYARIAH CABANG BANDA ACEH: STUDI FIQH MUAMALAH Qaulan Maisura; Edi Yuhermansyah; Husni Abdul Jalil
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 5 No 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.5419

Abstract

This research aims to examine the implementation of the qardhul hasan contract at Bank Aceh Syariah. To obtain data, the author used a qualitative research method, with an empirical juridical approach where the main source was obtained from interviews with stakeholders. Meanwhile, secondary data was obtained from reading sources such as books, journals, articles and other sources related to this research topic. The research results show that one of the financing schemes with a qardhul hasan agreement is intended for super micro businesses, where the maximum financing amount is IDR 10,000,000.00. Super micro financing is different from other financing schemes, where the creditor does not require collateral (collateral) for the debtor. Apart from that, Bank Aceh Syariah Banda Aceh Branch with a maximum financing agreement period of 3 years. In qardhul hasan financing, the administration fee charged to the customer is 1% of the financing amount. In general, the author can conclude that this financing scheme is in accordance with DSN-MUI Fatwa No.19/DSN-MUI/IX/2001, however based on Muamalah Fiqh it is permissible because the use of non-halal fund income is one of the sources of funds in its implementation.
QARDHUL HASAN FINANCING AT ACEH SYARIAH BANK FOR SUPER MICRO PRODUCTS FROM THE PERSPECTIVE OF FIQH MUAMALAH Maisura, Qaulan; Yuhermansyah, Edi
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.5419

Abstract

This research aims to examine the implementation of the qardhul hasan contract at Bank Aceh Syariah. To obtain data, the author used a qualitative research method, with an empirical juridical approach where the main source was obtained from interviews with stakeholders. Meanwhile, secondary data was obtained from reading sources such as books, journals, articles and other sources related to this research topic. The research results show that one of the financing schemes with a qardhul hasan agreement is intended for super micro businesses, where the maximum financing amount is IDR 10,000,000.00. Super micro financing is different from other financing schemes, where the creditor does not require collateral (collateral) for the debtor. Apart from that, Bank Aceh Syariah Banda Aceh Branch with a maximum financing agreement period of 3 years. In qardhul hasan financing, the administration fee charged to the customer is 1% of the financing amount. In general, the author can conclude that this financing scheme is in accordance with DSN-MUI Fatwa No.19/DSN-MUI/IX/2001, however based on Muamalah Fiqh it is permissible because the use of non-halal fund income is one of the sources of funds in its implementation.
CONSUMER PROTECTION FOR CLEAN WATER WELL PRODUCTS IN THE TIONGKOK NEUHEN COMPLEX ACCORDING TO THE MASLAHAH THEORY AND LAW NUMBER 8 OF 1999 Marissa, Wilda; Yuhermansyah, Edi
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v6i1.8259

Abstract

The availability of clean water is a fundamental right of the community that service providers, including community-based management systems such as bore wells, must fulfil. The management of clean water in the Tiongkok Neuhen residential complex faces various issues, indicating that the protection of consumer rights has not been optimal. This study aims to analyze consumer protection in the provision of clean water services through bore wells in the complex, viewed from the perspective of Law Number 8 of 1999 on Consumer Protection and the theory of maslahah in Islamic law. This research employs a descriptive qualitative method with an empirical juridical approach. Data were obtained through field observations and direct interviews with residents and management, then analyzed by comparing practices in the field with positive legal norms and Islamic principles. The results show that the management system still experiences problems such as unequal water distribution, slow handling of equipment damage, and some residents failing to pay their contributions. From the perspective of positive law, this reflects the incomplete fulfillment of consumers’ rights to comfort. Meanwhile, according to the theory of maslahah, the management has not fully embodied the principles of justice and collective welfare. Nevertheless, the existing system still has the potential to be developed into a fair and sustainable community-based service model through institutional strengthening, clear internal regulations, and consumer rights education grounded in Islamic values.