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All Journal Journal of Sharia Economics Ekalaya : Jurnal Ekonomi Akuntansi
Adi, Asriadi Arifin
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Economics, Econometrics & Finance

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Pinjaman Online : Sebuah Respon Hukum Islam dan Hukum Positif Adi, Asriadi Arifin; Irwandi, Irwandi
EKALAYA : Jurnal Ekonomi Akuntansi Vol. 2 No. 1 (2024): Ekalaya : Jurnal Ekonomi Akuntansi
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/ekalaya.v2i1.811

Abstract

This digital lifestyle trend has apparently spread to economic problems. The economic needs of society from conventional ones have shifted to utilizing financial technology, especially for generation Z people. Currently, the need to borrow funds is mostly done through fintech platforms which have spread widely in society. Finally, various companies that provide online loan financial services have also spread recently. The aim of this research is to examine the perspective of Islamic law and positive law on illegal online loans as well as legal protection for illegal online loan (Pinjol) users. The method used is a literature method with a normative approach which refers to statutory regulations which examine the rules and regulations related to the legal issue being handled. The results show that illegal online loans from the perspective of Islamic law are invalid. Meanwhile, in positive legal terms in civil law, illegal online lending is a transaction that does not meet the legal requirements of an agreement. In criminal law policy, to date there are no provisions in criminal law involving illegal lending services. As a form of protection for consumers, education and outreach to the public is needed, with the aim of more people understanding about current financial services.
PRODUCTION AND DISTRIBUTION FROM ISLAMIC ECONOMIC PERSPECTIVE Adi, Asriadi Arifin
Journal of Sharia Economics Vol. 5 No. 2 (2024): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v5i2.5658

Abstract

In Islamic economics, production and distribution are the main pillars for achieving happiness, Islam bases production on the purpose of utilization, that production is a springboard for achieving value benefits and a more collective utilization goal that touches all groups. The presence of this paper is to examine the inherent (close relationship) of the concept of production and distribution based on an Islamic view. The results of this study will become a new discourse in Islamic economics literature as a contribution in the theoretical field for the perfection of the results of future studies. The type of research used is library research by referring to the written content of relevant research and then elaborating it with current phenomena. The conclusion states that Islam is a religion of rahmatan lil -' alamin which implies the distribution of goodness and benefit to every creature created by Allah SWT on earth, therefore this is a principle that is absorbed in Islamic economics so that it wards off all forms of production and distribution activities that are not in harmony with it. So that all human economic activities as caliphs must be verified based on Islamic normative values. Between the concepts of production and distribution, according to Islam, both are not a separate entity, but are a fragment. The main motive that must precede production is distribution, that someone who works has no other motive than himself and to ensure the fulfillment of the needs of others for the sake of realizing prosperity, economic justice and a balanced standard of living among all elements of society .
Co-Authors Irwandi Irwandi