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All Journal Intelektualita Islam Futura LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam IJOEP : International Journal of Ecophysiology Bioscientist : Jurnal Ilmiah Biologi Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Al-Qanun: Jurnal Kajian Sosial dan Hukum Islam As-Siyadah: Jurnal Politik dan Hukum Tata Negara JURISTA : Jurnal Hukum dan Keadilan Al-Mudharabah GLOSSARY
Safira Mustaqilla
Universitas Islam Negri Ar Raniry Banda Aceh
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Economics, Econometrics & Finance Education Immunology & microbiology Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Al-Mudharabah

 1 
PENERAPAN PRINSIP PRUDENTIAL BANKING PADA PEMBIAYAAN KREDIT USAHA RAKYAT MIKRO: STUDI PADA BANK SYARIAH INDONESIA CABANG BANDA ACEH Azkal Azkia; Safira Mustaqilla
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol 5 No 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.4540

Abstract

Kredit Usaha Rakyat (KUR) is a credit facility to middle to lower class customers that issued by banking industries in Indonesia, which focusses on aspects of livestock, trade, and agriculture. PT Bank Syariah Indonesia, Banda Aceh is one of bank company which issues this product and always applies prudent banking principles, especially in financing. The application of the prudential principle is carried out starting from the beginning of the debtor applying for credit analysis of KUR financing until the financing is paid off. This type of research is a qualitative descriptive approach through case studies. The result finds that the application of prudential banking principles applied to the company can be seen from the various provisions set by Bank Indonesia. The provisions of the prudential principle are the Capital Adequacy Ratio (CAR), namely the maximum credit provision (Maximum Lending Limit), the allowance for productive asset liabilities, and the provisions that regulate banking itself. The company can be seen from non-performing loans, it seems that their non-performing loans originated from year to year are increasing even though they have implemented the prudential principle, but there are still non-performing loans.
THE APPLICATION OF PRUDENTIAL PRINCIPLES IN MICRO BUSINESS CREDIT FINANCING AT BANK INDONESIA SYARIAH Azkal Azkia; Mustaqilla, Safira
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.4540

Abstract

Kredit Usaha Rakyat (KUR) is a credit facility to middle to lower class customers that issued by banking industries in Indonesia, which focusses on aspects of livestock, trade, and agriculture. PT Bank Syariah Indonesia, Banda Aceh is one of bank company which issues this product and always applies prudent banking principles, especially in financing. The application of the prudential principle is carried out starting from the beginning of the debtor applying for credit analysis of KUR financing until the financing is paid off. This type of research is a qualitative descriptive approach through case studies. The result finds that the application of prudential banking principles applied to the company can be seen from the various provisions set by Bank Indonesia. The provisions of the prudential principle are the Capital Adequacy Ratio (CAR), namely the maximum credit provision (Maximum Lending Limit), the allowance for productive asset liabilities, and the provisions that regulate banking itself. The company can be seen from non-performing loans, it seems that their non-performing loans originated from year to year are increasing even though they have implemented the prudential principle, but there are still non-performing loans.
LEGAL CERTAINTY OF LAND GRANTS OF EX-USE RIGHTS ACCORDING TO LAW NUMBER 5 OF 1960 AND THE THEORY OF MILK AL-DAULAH Sri Deviana Siska; Nurdin Bakri; Safira Mustaqilla
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 2 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i2.6630

Abstract

This study examines the legal uncertainty regarding the management of land previously under the Right to Cultivate (HGU) granted to PT Cemerlang Abadi in Babahrot District, Aceh, which presents a significant issue. Although the land has been utilised by around a thousand households for agricultural purposes, the government has not provided official certificates as legal proof of ownership. The slow administrative process and land redistribution by the Aceh government and the Southwest Aceh District Government contradict the principle of legal certainty as stipulated in Law No. 5 of 1960 on Basic Agrarian Regulations (UUPA). From an Islamic legal perspective, the land in question is a public asset that must be managed for the welfare of the people. This uncertainty poses potential social, economic, and legal risks, including future disputes. Therefore, concrete steps are needed, such as expediting data collection, issuing certificates, and providing legal education to the public. Addressing this issue would reflect social justice and the government's commitment to implementing fair and sustainable agrarian principles.
SUPERVISION OF THE DISTRIBUTION OF 3 KG SUBSIDIZED LPG GAS FROM THE PERSPECTIVE OF MAQASHID SYARIAH: (A Case Study at a Distribution Base in Kuala Batee Subdistrict, Southwest Aceh Regency) Fachrol juanda; Mustaqilla, Safira; Fauzan, Faisal
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v6i1.8021

Abstract

Abstract The distribution of subsidized LPG is part of the government’s policy to ensure access to basic energy needs for low-income communities. However, in practice, several irregularities persist, including off-target distribution, prices exceeding the official Retail Price Ceiling (HET), and weak oversight mechanisms at the base distribution level. This study aims to examine the supervision system in the distribution of 3-kg subsidized LPG cylinders in Kuala Batee District, Southwest Aceh Regency, and to assess the extent to which current distribution practices align with the principles of Maqashid Syariah. This research employs a qualitative method with a descriptive-analytical approach. Data were collected through field observation, in-depth interviews with LPG outlet owners, five subsidy recipients from the local community, one relevant village official, and a review of policy and regulatory documents. The findings were analyzed within the framework of Maqashid Syariah, focusing on the principles of hifz al-mal (protection of wealth) and hifz al-nafs (protection of life). The results indicate that the existing supervision of LPG distribution remains ineffective. Key issues include the misidentification of eligible recipients, inconsistent pricing beyond regulatory limits, and the absence of a robust verification system. From the perspective of Maqashid Syariah, such shortcomings not only undermine social justice but also hinder the realization of public welfare. Therefore, improvements are needed in the form of data-driven distribution systems, collaborative oversight, and public education to ensure that LPG subsidies are distributed fairly and in accordance with Islamic ethical values.
Co-Authors Aina Fadhilla Aris Munandar Aththorick, T Alief Atni, Oky Kusuma Azka Amalia Jihad Azkal Azkia Azkal Azkia Berliani, Kaniwa etti sartina siregar Eva Zahara Salsabila Fachrol juanda Faisal Yahya Fauzan, Faisal Firdausia, Salsabila Hermansyah Hesti Wahyuningsih Intan Qurratulaini Irwan Irwan Isnaini Nurwahyuni Juliani Khalid Akbar Lailatussaadah M Nur, Lailatussaadah Lubis, Putri Amelia Magfirah, Anil Maharani, Puteri Maizania Mardhatillah, Siti Moch. Nur Ichwan Muhammad Hafidh Sufli Muhammad Ikram Mukhsin Nyak Umar Murdan Murdan Nabila Ramadhani Nahara Eriayanti Nasrun, Mahdalena Nasution, Ahmad Luthfi Abdillah Nufus, Zakiatun Nurdin Bakri Pardosi, Sinta R Rayhan Fazira Razak, Abdur Riadhus Sholihin Shabarullah Siti Sarah Solly Aryza Soraya Devi Sri Deviana Siska Syahrima, Ima Ternala Alexander Barus