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All Journal Jurnal Vokasi Belom Bahadat : Jurnal Hukum Agama Hindu Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Syawaliah, Syawaliah
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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PERLINDUNGAN HUKUM NASABAH DALAM PENYELENGGARAN LAYANAN PERBANKAN DIGITAL Tarantang, Jefry; Syawaliah, Syawaliah; Astiti, Ni Nyoman Adi; Kasenda, Dekie G.G.
Belom Bahadat Vol 13 No 1 (2023): Jurnal Belom Bahadat Hukum Agama Hindu
Publisher : Institut Agama Hindu Negeri Tampung Penyang Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33363/bb.v13i1.949

Abstract

Bank customer protection is designed to give customers the right to complain and resolve disputes in the banking industry. Customer protection laws and regulations in the banking industry are not good at protecting customers. Changes in services using information technology paved the way for the digital banking era. However, the spread of digital banking services also increases bank risk. The purpose of this research is to elaborate on legal protection in the development of digital banking services and protect the public from risks. Digital banking services are innovations made by banks to meet the needs of customers who are still developing their information technology. In Indonesia, the introduction of digital banking services offered by banks is regulated in OJK Regulation 12/POJK.03/2018 concerning the Introduction of Digital Banking Services in Commercial Goods Banking Services. Customers who use digital banking services have two forms of protection, namely prevention and protection.
Pemberdayaan Masyarakat Melalui Produksi Biobriket dari Limbah Sampah Organik Fathanah, Umi; Yunardi, Yunardi; Darwanis, Darwanis; Zuhra, Zuhra; Syamsuddin, Yanna; Lubis, Mirna Rahmah; Suparno, Suparno; Syawaliah, Syawaliah; Ambarita, Aulia Chintia; Amin, Amri
Jurnal Vokasi Vol 9, No 1 (2025): Maret
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/vokasi.v9i1.6531

Abstract

Pemanfaatan limbah organik sebagai sumber energi alternatif menjadi solusi yang penting dalam menghadapi permasalahan limbah dan ketergantungan terhadap bahan bakar fosil. Desa Cot Mesjid, Kecamatan Sukamakmur, Aceh Besar, memiliki potensi besar dalam pengelolaan sampah organik yang dapat diolah menjadi biobriket sebagai sumber bahan bakar alternatif. Program pengabdian masyarakat ini bertujuan untuk mengidentifikasi potensi limbah organik, memberikan pelatihan pembuatan biobriket, serta menganalisis manfaat lingkungan dan ekonomi dari pemanfaatan biobriket. Metode pelaksanaan terdiri dari tahapan sosialisasi, identifikasi bahan baku, pelatihan produksi biobriket, serta monitoring dan evaluasi efektivitas penggunaan biobriket. Pelatihan dilakukan dengan pendekatan praktik langsung, melibatkan masyarakat dalam setiap tahap produksi mulai dari pengumpulan bahan baku, proses pirolisis, penghalusan arang, pencampuran dengan bahan perekat, pencetakan, hingga pengeringan biobriket. Evaluasi dilakukan melalui observasi, wawancara, dan angket kepada peserta pelatihan. Hasil menunjukkan bahwa masyarakat merespons positif program ini, dengan peningkatan pemahaman mengenai pemanfaatan limbah organik dan kemampuan produksi biobriket secara mandiri. Selain itu, biobriket yang dihasilkan memiliki efisiensi pembakaran yang tinggi dan dapat mengurangi ketergantungan terhadap bahan bakar fosil. Potensi pengembangan usaha biobriket juga terlihat dari minat beberapa kelompok masyarakat dalam memasarkan produk ini secara lokal. Dengan hasil yang positif, program ini dapat menjadi model bagi daerah lain dalam mengembangkan pemanfaatan limbah organik sebagai sumber energi alternatif yang ekonomis dan ramah lingkungan.
The Position of the Murabahah Contract in BSI Griya Hasanah Financing at BSI KC Palangkaraya Diponegoro Syawaliah, Syawaliah; Muzalifah, Muzalifah; Adlina, Fadiah
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 4 (2024): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i4.3366

Abstract

This study aims to determine the position of the murabahah contract in BSI Griya Hasanah Financing at Bank Syariah Indonesia Palangkaraya Diponegoro Branch Office. In addition, to find out how the implementation of BSI Griya Hasanah financing products with murabahah contracts. The method used is qualitative with a descriptive analytical method. Data collection techniques through interviews with Bank Syariah Indonesia KC Palangkaraya Diponegoro, as well as a documentation approach and also literature studies related to this study. The results of the study found that the BSI Griya Hasanah financing product is appropriate if paired with a murabahah contract because in principle the transaction, the Islamic bank will purchase the house or apartment desired by the customer (the bank acts as the homeowner) and then sell the house or apartment to the customer in installments. This murabahah contract also has a strong foundation from the three basic laws of Islam, the Qur'an, Hadith and Ijma. Based on Q.S Al-Baqarah:275, hadith from Suhaib Ar-Rumi r.a and Fatwa of the National Sharia Council No. 04/DSN-MUI/2000 concerning murabahah financing and multi-service financing No. 44/DSN-MUI/VIII/2004.
Co-Authors Adlina, Fadiah Ambarita, Aulia Chintia Amri Amin Astiti, Ni Nyoman Adi Darwanis Darwanis Jefry Tarantang Kasenda, Dekie G.G. Mirna Rahmah Lubis Muzalifah, Muzalifah Suparno Suparno Umi Fathanah yunardi, yunardi Zuhra Zuhra