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IMPLEMENTASI GADAI EMAS DI BANK SYARIAH INDONESIA DALAM PERSPEKTIF HUKUM ISLAM: Studi Kasus di BSI Kantor Cabang Pembantu Kuningan Armen, Rio Erismen; Hermawan, Aries
Al Mashalih - Journal of Islamic Law Vol. 3 No. 1 (2022): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

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Abstract

Praktik gadai emas sudah banyak dilakukan oleh Bank Syariah Indonesia. Dalam hal ini, peneliti memilih Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan sebagai objek penelitian, yaitu untuk melihat praktik gadai emas yang dilakukan. Dalam penelitian ini, penulis menetapkan dua rumusan masalah, yaitu bagaimana implementasi gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan dan bagaimana pandangan hukum Islam terhadap implementasi gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan. Dalam proses penelitiannya, peneliti menggunakan metode penelitian kualitatif dan bersifat naratif deskriptif kualitatif. Adapun teknik pengumpulan datanya menggunakan teknik wawancara dan teknik dokumentasi, selanjutnya dianalisis menggunakan teknik analisis deduktif yang mana menganalisis terkait praktik gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan. Setelah dilakukan penelitian, bahwa BSI Kuningan melakukan tiga akad yaitu akad rahn, akad qardl, dan akad ijarah. Dari hasil penelitian yang dilakukan, peneliti menyimpulkan bahwa implementasi (praktik) gadai emas pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan sudah memenuhi rukun dan syarat pada masing-masing akad yang digunakan. Sehingga dalam pandangan hukum Islam implementasi pembiayaan gadai emas pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan telah sah dan boleh dilakukan serta tidak adanya pelanggaran syariat dan tidak ada yang berbeda dengan standar gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan.
Social Impact Analysis of BAZNAS’s Smart Nunukan program in Nunukan Regency Using the SROI method Sari, Hesti Purnama; Hermawan, Aries; Putri, Diana
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i1.423

Abstract

The aim of this research is to determine the social impacts received by Stakeholders from the Nunukan scholarship program for underprivileged recipients in the Baznas district of Nunukan, and to determine the value of these social impacts compared to the amount of investment made by the Baznas district of Nunukan, calculated using the SROI ratio. The sample for this study are recipients of the Nunukan Smart scholarship program in the Baznas district of Nunukan. Data was collected through interviews and questionnaires. The research methodology used is a quasi-qualitative method, which is a design of post positivism. The result of this research is an SROI ratio of 21:1, which means that for every Rp. 1 invested in the Baznas district of Nunukan in its Nunukan Smart program, Rp. 21 of social impact will be created.
ANALISIS KINERJA DINAS MATERIEL DAN SENJATA TNI ANGKATAN LAUT MELALUI PENDEKATAN BUDAYA ORGANISASI DAN KOMPETENSI YANG DIMODERASI AUTOMATIC ADJUSTMENT Hermawan, Aries; Suharjo, Bambang; Kristiyono, Kristiyono
MAP (Jurnal Manajemen dan Administrasi Publik) Vol 7 No 3 (2024): MAP (Jurnal Manajemen dan Administrasi Publik)
Publisher : Program Pascasarjana Universitas Wijaya Putra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37504/map.v7i3.644

Abstract

The Indonesian Navy's weapons and electronics materials service has a very strategic function in the Indonesian Navy. one of its functions is to carry out planning and continuous evaluation of activities in the field of electronics and weapons including ammunition material, navigation, electronic instruments, drones, simulators, sensors, controls and weapons, sensors, controls and weapons. The type of research used in this research is qualitative. The location of this research is the Indonesian Navy's weapons and electronics materials service, Subdiharsewaco Disharkap Koarmada I, Subdiharsewaco Disharkap Koarmada II, Subdiharsewaco Disharkap Koarmada III, Disharsewaco Disharkap Kolinlamil, Subdisren Disharmat Kormar. The analysis tool used is NVIVO 12. The results of the research are that the planning and budget proposed by Dissenlekal are in accordance with Dissenlekal's needs, but with the automatic adjustment, planning cannot reach 100%. The organizational culture of the Indonesian Navy's weapons and electronics materiel service reflects a good, positive, supportive and inclusive work environment. The competency of personnel in this organization is very good, with in-depth knowledge and high skills. The performance of personnel in this organization is very good, with high quality and quantity of work, consistent punctuality, and strong occupational safety awareness and compliance. Organizational culture and competence influence organizational performance. The Indonesian Navy's weapons and electronics materials service has strong adaptability in dealing with budget changes resulting from the automatic adjustment program. The existence of automatic adjustments affects organizational performance but is not significant. With a good organizational culture and competence, good performance will result despite automatic adjustments.
Penanggulangan Tindak Pidana Penyalahgunaan Dana Zakat Dalam Hukum Positif Di Indonesia Rohman, Fadlur; Fitroh, Khoirul; Hermawan, Aries
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 1 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i1.792

Abstract

This study examines the handling of criminal acts related to the misuse of zakat funds under Indonesian positive law, focusing on government-established zakat management institutions. It employs a normative research methodology using statute, case, and comparative approaches. The first finding reveals that cases of zakat fund misuse are addressed using Article 2(1) in conjunction with Article 3 of the Anti-Corruption Law. A key factor in applying these provisions is that the perpetrator's actions result in financial losses to the state. Another influencing factor is the approach taken by the Public Prosecutor (JPU) in framing the indictment, which primarily relies on the Anti-Corruption Law without referencing provisions in other relevant legislation, such as the Zakat Management Law. This is evident in the primary and subsidiary indictments, where the focus remains on anti-corruption provisions. The second finding highlights that, based on the systematic lex specialis principle, Articles 37 and 40 of the Zakat Management Law are more specific in addressing material, formal, and subject (adresat) aspects of the crime. Consequently, under the principle of systematic specificity, these provisions are more appropriate to apply in cases of zakat fund misuse than the general provisions of the Anti-Corruption Law. Therefore, the study concludes that the legal application by the Panel of Judges in such cases is flawed if it prioritizes the Anti-Corruption Law over the Zakat Management Law. In cases involving criminal acts in zakat management, the Zakat Management Law should serve as the primary legal framework.
Implementasi Fatwa DSN-MUI tentang penjualan Langsung Berjenjang Syariah No.75/VII/2009 pada PT Herbal Amanah Impian Indonesia Jundana, Qonita; Hermawan, Aries
Journal of Fiqh in Contemporary Financial Transactions Vol 2, No 1 (2024): Journal of Fiqh in Contemporary Financial Transactions
Publisher : Department of Islamic Economics Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jfcft.v2i1.659

Abstract

This research aims to analyze the multilevel marketing business practices of PT Herbal Amanah Impian Indonesia (HAII) and business implementation based on fatwa No.75/DSN-MUI/VII/2009. Qualitative research methods using field research methods by comparing between field implementation and sharia conformity regulated in fatwa No.75/DSN-MUI/VII/2009. The results of this study indicate that the company's multilevel marketing business practices are carried out according to the standardization that has been determined from the various certifications obtained. Judging from fatwa No.75/DSN-MUI/VII/2009, the practices carried out by PT Herbal Amanah Impian Indonesia based on the business plan system, products, and bonus/rewarding system, are in accordance with the standardization of the fatwa, so that the business implementation is categorized as fulfilling the elements of sharia multilevel direct sales.
Konsep dan Praktik Arisan online “Awrisan MBabel 88” Dalam Perspektif Fikih Muamalah Azzahra, Asy syifa; Hermawan, Aries
Journal of Fiqh in Contemporary Financial Transactions Vol 2, No 2 (2024): Journal of Fiqh in Contemporary Financial Transactions
Publisher : Department of Islamic Economics Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jfcft.v2i2.668

Abstract

Online arisan has become popular in Indonesia, but the lack of understanding of sharia principles in this practice is a concern. The purpose of this study is to understand the implementation mechanisms and regulations in online arisan and identify relevant muamalah jurisprudence concepts, such as the validity of contracts and management transparency. This research method uses a qualitative approach through literature studies and field studies with researchers directly involved in the research location, namely the online social gathering activity Awrisan Mbabel 88. The results show that this social gathering is in accordance with the muamalah principle if the management of fine fees is not considered as the admin's personal income. Awrisan Mbabel 88 has implemented a qardh contract that is free from elements of riba or exploitation, although it is difficult to prove legally, this arisan focuses on the principles of help and kinship.
IMPLEMENTASI GADAI EMAS DI BANK SYARIAH INDONESIA DALAM PERSPEKTIF HUKUM ISLAM: Studi Kasus di BSI Kantor Cabang Pembantu Kuningan Armen, Rio Erismen; Hermawan, Aries
AL-MASHALIH (Journal of Islamic Law) Vol. 3 No. 1 (2022): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Praktik gadai emas sudah banyak dilakukan oleh Bank Syariah Indonesia. Dalam hal ini, peneliti memilih Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan sebagai objek penelitian, yaitu untuk melihat praktik gadai emas yang dilakukan. Dalam penelitian ini, penulis menetapkan dua rumusan masalah, yaitu bagaimana implementasi gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan dan bagaimana pandangan hukum Islam terhadap implementasi gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan. Dalam proses penelitiannya, peneliti menggunakan metode penelitian kualitatif dan bersifat naratif deskriptif kualitatif. Adapun teknik pengumpulan datanya menggunakan teknik wawancara dan teknik dokumentasi, selanjutnya dianalisis menggunakan teknik analisis deduktif yang mana menganalisis terkait praktik gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan. Setelah dilakukan penelitian, bahwa BSI Kuningan melakukan tiga akad yaitu akad rahn, akad qardl, dan akad ijarah. Dari hasil penelitian yang dilakukan, peneliti menyimpulkan bahwa implementasi (praktik) gadai emas pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan sudah memenuhi rukun dan syarat pada masing-masing akad yang digunakan. Sehingga dalam pandangan hukum Islam implementasi pembiayaan gadai emas pada Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan telah sah dan boleh dilakukan serta tidak adanya pelanggaran syariat dan tidak ada yang berbeda dengan standar gadai emas di Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Kuningan.