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ANALISIS RUKUN DAN SYARAT IJARAH DALAM PEMBIAYAAN MULTIJASA SYARIAH DI BANK SYARIAH Kusyana, Kusyana; Romlah, Romlah
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 4 No. 1 (2022): Jurnal Tasyri': Jurnal Muamalah dan Ekonomi Syariah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v4i1.251

Abstract

This research delves into the analysis of the pillars and conditions of ijarah in the multi-service financing of Islamic banks. The primary focus is on implementing Sharia principles in ijarah contracts, which includes identifying the pillars of ijarah such as the contracting parties, leased objects, leased benefits, and conditions to be fulfilled such as clarity of leased objects and agreement on rental prices. The study also highlights challenges faced, such as legal uncertainty, regulatory changes, and customer understanding of ijarah contracts. Proposed solutions include enhancing customer education, refining contract documentation, stricter supervision, collaboration with Sharia legal experts, and product innovation. Based on the analysis of the pillars and conditions of ijarah in multi-service financing at Islamic banks, it is concluded that implementing Sharia principles in financial practices is crucial to ensure compliance with Islamic values. The pillars of ijarah involving the contracting parties (mu’jir and musta’jir), leased objects, leased benefits, as well as the ijab and qabul, and ijarah conditions such as clarity of leased objects, permissible benefits, and agreed rental prices, serve as the primary foundation for maintaining fairness and transparency in transactions.    
ANALISIS VALIDITAS AKAD IJARAH DALAM PEMBIAYAAN MULTIJASA DI PERBANKAN SYARIAH: AKAD IJARAH, MULTIJASA DAN PERBANKAN SYARIAH Kusyana, Kusyana; Romlah
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 4 No. 2 (2022): Jurnal Tasyri': Jurnal Muamalah dan Ekonomi Syariah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v4i2.252

Abstract

This paper presents an analysis of the validity of Ijarah contracts in multi-service financing within Islamic banking. Ijarah, as a prominent Islamic finance mechanism, serves as a crucial tool in providing financial solutions adhering to Sharia principles. The study examines the applicability and compliance of Ijarah contracts in various multi-service financing scenarios, highlighting their effectiveness in maintaining ethical standards and financial stability.The research identifies several challenges that affect the sustainability and adherence to Sharia principles in Ijarah contracts, including regulatory changes, market fluctuations, and customer awareness of Sharia-compliant products. These challenges necessitate strategic measures to ensure the continued validity and ethical soundness of Ijarah practices in Islamic banking. Recommendations are proposed to enhance the implementation of Ijarah contracts, including increased customer education, flexibility in contract structuring, rigorous internal oversight, collaboration with regulatory authorities, and continuous innovation in product development. These measures aim to strengthen the integrity and viability of Ijarah contracts in multi-service financing, contributing to the sustainable growth of Islamic banking while upholding Sharia principles. Keywords: Ijarah, Multi-service financing, Islamic banking, Validity, Sharia principles
PERATURAN DAN PERUNDANG-UNDANGAN PERIKANAN SERTA DAMPAK PENGGUNAAN PPC TRESS TERHADAP PENINGKATAN PENDAPATAN MASYARAKAT TAMBAK BUDIDAYA UDANG WINDU DI KABUPATEN INDRAMAYU Kusyana, Kusyana
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 7 No. 2 (2025): Tasyri: Jurnal Muamalah dan Ekonomi Syariah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v7i2.419

Abstract

In Indonesia, fisheries regulations and shrimp farming expansion and trade policies are comprehensively regulated by the Ministry of Marine Affairs and Fisheries (KKP) and other related agencies. The main objective is to ensure the sustainability of cultivation, product quality, and competitiveness in the global market. Indonesia is the largest archipelagic country in the world, with an area of ​​13,6667 islands, with a coastline of more than 81,000 km, resulting in the potential of the sea and coast as very large resources. This very large potential resource opportunity is very suitable for the expansion and development of shrimp farming in the future. Shrimp farming has developed, starting from the people living on the coast of East Java, the western part of the Bengawan Solo delta in the Sedayu area to the south of the Brantas delta in the Pasuruan area, along the north coast of Java, from Juwana and Rembang, Jepara, Semarang, Pekalongan, Tegal, Brebes, Cirebon, Indramayu to the tip of Kerawang and ending in Banten. The average shrimp production in Indonesia is still very low, when compared to the shrimp production of Taiwan, which reaches 8 tons per hectare in one year, while Indonesia only reaches 1 ton per hectare per year. Several factors that limit shrimp production in Indonesia include limited seeds, supporting facilities such as fertilizers, pesticides, operational equipment, techniques in cultivating ponds, as well as infrastructure related to irrigation, roads and electricity, and capital problems, skilled workers, or experts and management that regulates land use. Moreover, shrimp production is a non-oil and gas prima donna export that is being promoted, both by the government and the shrimp farming community. To increase shrimp production, shrimp cultivation techniques have recently been developed in the community, with a controlled system, namely with a controlled system planting pattern (Intam) pond intensification including the A1 pattern (simple), A2 (medium) or semi-intensive, and the A3 pattern (modern) intensification. When associated with the use of liquid complementary fertilizer (PPC) TRESS as a supporting facility for the production achieved. Because it contains a composition of micro and macro biological in liquid form with nutrients, other nataara N (12.63%), S (0.62%), p (1.41%), B (0.75 PPM), Zn (22.15 ppm), Mn (56.06%), Mg (0.22%), Ca (0.85%), Fe (0.41%), Cu (5.60 ppm), K 91.97%), Co (6.08). Made from natural materials such as vegetable oil, and animals can be directly absorbed by the intestines in the shrimp body. The advantages of TRESS fertilizer, namely: Can increase shrimp production, can grow plankton, can reduce feed costs, improve water quality and be immune to disease. The hope is that both profits or income increase. There needs to be attention from shrimp farmers and local officials (fisheries services) especially in the Indramayu Regency area and generally in other areas regarding the success that has been achieved from the influence of TRESS fertilizer, especially for the company PT. Intrasa Raya Mulia in Jakarta to develop wider marketing so that it is accessible to the wider community.
Peran UU No. 22 Th. 1999 dan UU No. 25 Th. 1999 Terhadap Visi & Misi Bwi Bermartabat Kusyana, Kusyana; Walim, Walim
Action Research Literate Vol. 8 No. 11 (2024): Action Research Literate
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/arl.v8i11.2359

Abstract

UU No. 22 Tahun 1999 dan UU No. 25 Tahun 1999 menjadi dasar penting untuk mendukung tujuan Badan Usaha Milik Daerah (BUMD) di Indramayu, Jawa Barat, dalam melayani masyarakat sekaligus memperoleh keuntungan. Implementasi pemerintahan yang baik dilakukan melalui pembangunan ekonomi nasional yang merata hingga daerah. Berdasarkan UU No. 25 Tahun 1999 tentang Desentralisasi Fiskal, daerah berhak memperoleh sumber keuangan dari pengelolaan BUMD dan kerjasama dengan pihak ketiga. BUMD memiliki tiga misi utama: melayani masyarakat, sebagai sumber Pendapatan Asli Daerah (PAD), dan sebagai agen pembangunan ekonomi daerah. Di bawah UU No. 22 Tahun 1999, otonomi daerah bertujuan untuk meningkatkan kesejahteraan masyarakat dengan memanfaatkan sumber daya lokal. Pemerintah daerah perlu kreatif dan inovatif, mengombinasikan faktor ekonomi, kelembagaan publik, SDM, dan teknologi untuk meningkatkan daya saing daerah. Sumber pendapatan daerah mencakup pajak, laba BUMD, dan penerimaan lain, terutama karena berkurangnya subsidi pusat. Meskipun BUMD kurang strategis dibanding BUMN, mereka menghadapi tantangan dalam hal tata kelola, ketidaksetaraan perlakuan, minimnya modal, serta tekanan politik yang memengaruhi efisiensi modal. Penelitian ini menggunakan metode kualitatif.