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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Al Ahkam Islamic Circle Ijtimā`iyya: Journal of Muslim Society Research Journal of Indonesian Sharia Economics Profetik Jurnal Ekonomi Syariah
Lubis, Rahmat Husein
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Determinants Transact Using Bi Fast Transfer Service On Bsi Mobile Lubis, Rahmat Husein; Hasniati
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.6927

Abstract

The current development of technology 4.0 shows the progress of application transactions in Islamic financial institutions. It does not rule out possibilities like BSI Mobile with its BI Fast service. BI Fast service is a transfer transaction service between Bank Syariah Indonesia and other conventional banks with a fee of Rp. 2,500 per transaction. The research used is quantitative research with primary and secondary data. Data collection is carried out by distributing questionnaires. The sampling technique is a random sampling technique of 30 respondents from UIN students Prof. K. H. Saifuddin Zuhri Purwokerto. The data analysis used is a reliability test, validity test, basic assumption test (normality test, descriptive analysis test, and linearity test). Then for hypothesis tests using (t test, F test, and R2 determination coefficient test) and multiple tests. For data management, it uses the SPSS 25 application in 2023. Use of BI Fast application on BSI Mobile. Based on the data processing, it was concluded that there is an influence of financial literacy on transactions using BI Fast BSI Mobile services, there is no effect of convenience on transactions using BI Fast BSI Mobile services, and there is no influence of trust on transactions using BI Fast BSI Mobile services. And simultaneously the three variables of financial literacy, convenience, and trust do not affect transactions using BI Fast BSI Mobile services
Shulhu Concept Analysis for Appropriate Product Dispute Resolution in Sharia Financing Lubis, Rahmat Husein; Aprilia, Vera
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.897

Abstract

This study focuses on how the pattern of sharia economic dispute resolution that occurs in the right sharia financing products BTPN Syariah MMS Siabu. Researchers want to examine how the pattern of dispute resolution can be resolved. The researcher wants to examine the factors that cause the dispute and analyze it with the shulh concept in the Compilation of Sharia Economic Law at the research locus. This research is qualitative research where the type of empirical legal research. The data analysis technique in this research, namely by collecting data, then directing the data, then it will be presented in the form of a narrative conclusion. The conclusion from this study is that the factors that cause this dispute occur because when providing data on prospective customers there is no transparency, dishonesty of information, then problems with economic conditions, and the circumstances of the customer's family are appropriate for the sharia financing. Then for the pattern that is the right product for Islamic financing in a non-litigation way, namely with a warning system, withdrawing deposit funds, account officers going to the floor, and follow-up analysis. Whereas the method of settlement pattern for BTPN Syariah MMS Siabu's sharia financing products is by the principle of shulh murabaha in the Compliance for Sharia Economic Law, which gives a message of peace by the principles of Islamic teachings if there is a dispute it must be amicable.
Analysis of Law No. 24 of 2004 on the Non-Participation of Baitul Maal Wal Tamwil as Deposit Insurance Corporation Participants Lubis, Rahmat Husein; Nurlaeli, Ida
Ijtimā iyya Journal of Muslim Society Research Vol. 8 No. 2 (2023)
Publisher : Postgraduate, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v8i2.8521

Abstract

This research originates from statutory regulation number 24 of 2004 regarding the Deposit Insurance Corporation. The existence of these statutory regulations provides a sense of certainty for every customer in carrying out financing and savings activities at Islamic financial institutions. However, not all Islamic financial institutions are registered as members of deposit insurance institutions. One of them is an Islamic financial institution, Baitul Maal Wal Tamwil (BMT). Whereas in the Baitul Maal Wal Tamwil (BMT) there is customers' money that must be ensured for their savings deposits. Baitul Maal Wal Tamwil (BMT) Assyafi'yah, for example, in his financial reports from 2019 to 2021 has a large amount, in 2019 with a total deposit of Rp. 14,790,416,786, in 2020 with a total deposit of Rp.15,494,878,688, and in 2021 with a total deposit of Rp. 15,900,496,978. From the data above, it can be seen that in Baitul Maal Wal Tamwil (BMT) Assyafi'yah itself, the number of customer deposits increases every year but are still not registered as a deposit insurance institution. This research is a type of library research with the nature of descriptive qualitative research with a normative juridical approach. Research with the type of research library research is research with primary data sources and secondary data using a book, journal, or other scientific works related to this research and Law No. 24 of 2004 concerning Deposit Insurance Corporation. In the concluding part, the researcher will describe in narrative form why Baitul Maal Wal Tamwil (BMT) has not been registered as a participant in a deposit insurance institution.
POTENTIAL AND STRATEGY OF HALAL ECONOMIC DEVELOPMENT IN THE HALAL INDUSTRY SECTOR Lubis, Rahmat Husein
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v3i2.13654

Abstract

This study aims to analyze the potential and strategies for developing the halal economy in the halal industry sector concept 4.0. This type of research is descriptive qualitative research, a study by examining several sources. The research sources used are several sources such as books, scientific journals, encyclopedias, literature, scientific works, and websites that are related to this research. The object of research in this study is in the form of writing or text related to the potential and strategies for developing the halal economy in the halal industry sector. The results of this study indicate that the potential for the halal economy in the halal industry sector is enormous if using the halal industry 4.0, such as increasing production efficiency, increasing transparency and security, forms of product and service innovation, and increasing global market access. As well as the provision of halal certification has become an important tool for expanding access to global markets. For the halal economic development strategy in the halal industry sector such as; first, the government needs to adopt a pro-halal policy. Such as providing incentives and facilities for halal industry players. Second, increased investment in research and development of halal technology is needed to improve the quality and diversification of halal products. Third, effective promotion and marketing must be implemented to increase consumer awareness about halal products
Analysis of Sharia Business Unit Spin-Off Regulations and Islamic Law Lubis, Rahmat Husein; Hulwanullah, Hikam
Al Ahkam Vol. 20 No. 1 (2024): Januari-Juni 2024
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/ajh.v20i1.9802

Abstract

Regulations regarding the development of Sharia Business Units (UUS) often experience changes, for example in Law Number 21 of 2008 concerning Sharia Banking in Article 68 paragraph 1. This advice aims to provide clear and specific legal references. Then, the latest regulation regarding UUS issued by the OJK. The Sharia Financial Services Authority (OJK) has issued a regulation regarding the spin-off of Sharia Business Units from Conventional Commercial Banks (BUK). This study aims to analyze OJK regulations regarding Sharia Business Units that have undergone spin-offs from the perspective of the legal system according to Lawrence M. Friedman, focusing on structural, substance, and cultural aspects, as well as the perspective of Islamic law regarding sharia compliance and ethical considerations. The method used is qualitative descriptive, with a sociological juridical approach that evaluates regulations based on legal principles and ethical considerations. Data was collected by means of documentation from Indonesian laws related to spin-offs, including Law Number 21 of 2008 concerning Sharia Banking. This regulation has a positive impact on the development of Sharia Business Units during the spin-off by increasing budget transparency, integrity, and operational efficiency leading to sustainable growth and compliance with Islamic principles.
The Construct of Economic Law Thought of Abul A'la Maududi in the Contemporary Era Lubis, Rahmat Husein; Afri Hasni Putra
Islamic Circle Vol. 6 No. 2 (2025): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v6i2.2255

Abstract

This study aims to find out how the construction of Islamic economic law thought from Abul A'la Maududi to the current development of contemporary Islamic economics. Abul A'la Maududi is a prominent Islamic economist. Abul A'la Maududi is better known in the socio-politics between Islam in the world. This type of research is a type of qualitative research with a method of collecting data through literature studies. Where the researcher will collect several book or journal materials related to the construction of Abul A'la Maududi's thought. And the researcher will analyze descriptively the construction of Abul A'la Maududi's Islamic economic legal thought. The result of this research is that Abul A'la Maududi's thinking on economic law seeks to offer a holistic system and in accordance with Islamic teachings. The principles he put forward underlined the importance of balancing individual and social interests, the fair distribution of wealth, and the role of the state in ensuring economic justice. In the contemporary era, the construction of Abul A'la Maududi's thought still has relevance, especially in efforts to overcome economic inequality and fight for economic justice based on Islamic values.
Determinants Transact Using Bi Fast Transfer Service On Bsi Mobile Lubis, Rahmat Husein; Hasniati
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 2 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i2.6927

Abstract

The current development of technology 4.0 shows the progress of application transactions in Islamic financial institutions. It does not rule out possibilities like BSI Mobile with its BI Fast service. BI Fast service is a transfer transaction service between Bank Syariah Indonesia and other conventional banks with a fee of Rp. 2,500 per transaction. The research used is quantitative research with primary and secondary data. Data collection is carried out by distributing questionnaires. The sampling technique is a random sampling technique of 30 respondents from UIN students Prof. K. H. Saifuddin Zuhri Purwokerto. The data analysis used is a reliability test, validity test, basic assumption test (normality test, descriptive analysis test, and linearity test). Then for hypothesis tests using (t test, F test, and R2 determination coefficient test) and multiple tests. For data management, it uses the SPSS 25 application in 2023. Use of BI Fast application on BSI Mobile. Based on the data processing, it was concluded that there is an influence of financial literacy on transactions using BI Fast BSI Mobile services, there is no effect of convenience on transactions using BI Fast BSI Mobile services, and there is no influence of trust on transactions using BI Fast BSI Mobile services. And simultaneously the three variables of financial literacy, convenience, and trust do not affect transactions using BI Fast BSI Mobile services
Legal Risk Management in Sharia Bank Contracts Lubis, Rahmat Husein; Batubara, Sarmiana
Ijtimā iyya Journal of Muslim Society Research Vol. 10 No. 1 (2025)
Publisher : Postgraduate, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v10i1.13868

Abstract

A crucial aspect of Islamic banking activities is the existence of contracts, which are agreements that bind the parties in financial transactions. However, in practice, there are legal risks arising from unclear contracts, differences in legal interpretation, and non-compliance with regulations. This risk can have an impact on the operational stability of Islamic banks and reduce public trust. The purpose of this study is to examine the forms of legal risks in Islamic bank contracts and their risk management mitigation strategies. The methodology used is a qualitative approach based on a literature analysis related to Islamic banking regulations, fatwas, and practices in Indonesia. The findings of this study confirm that legal risks can arise due to unclear contracts, violations of sharia principles, and non-compliance with regulations such as DSN-MUI fatwas and OJK regulations. These risks are found in murabahah, mudharabah, musyarakah, ijarah, istisna', and others, including defaults, data misuse, and juridical weaknesses. Recommended mitigation strategies include drafting clear contracts, sharia compliance audits, monitoring contract implementation, and education to customers. With effective legal risk management, Islamic banks can improve operational stability and public trust, while ensuring the sustainability of the Islamic banking industry in Indonesia
Co-Authors Afri Hasni Putra Aprilia, Vera Hasniati Hulwanullah, Hikam Ida Nurlaeli, Ida Sarmiana Batubara