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TINJAUAN QANUN ACEH NOMOR 5 TAHUN 2016 TENTANG PENCABUTAN QANUN NOMOR 9 TAHUN 2014 TENTANG PEMBENTUKAN BANK ACEH SYARI’AH Mukhlisuddin, Teuku
Al-Madaris Jurnal Pendidikan dan Studi Keislaman Vol. 3 No. 1 (2022): Islamic Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) Sekolah Tinggi Agama Islam Jamiatut Tarbiyah Lhoksukon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47887/amd.v3i1.64

Abstract

The existence of Qanun Number 5 of 2016 concerning the Revocation of Qanun Number 9 of 2014 concerning the Establishment of the Aceh Sharia Bank has caused disputes among Acehnese elite figures. For the government, the revocation of Qanun Number 9 of 2014 is a step to speed up conversion. Meanwhile, according to M. Jafar, the implementation of the conversion of Bank Aceh from the conventional system to sharia does not require Qanun, except for the formation of a new bank or spin off (separation). In fact, the Financial Services Authority (OJK) instructed the Aceh government to revoke Qanun Number 9 of 2014 to speed up conversion permits from the Financial Services Authority. So that the authors are interested in exploring deeper information about the reasons for the Aceh government to revoke Qanun Number 9 of 2014 concerning the establishment of Bank Aceh Syariah in the form of a spin off. This type of research is a library research using a normative juridical approach, namely Qanun Number 5 of 2016 concerning the revocation of Qanun Number 9 of 2014 concerning the Establishment of the Aceh Sharia Bank. From this research, it can be seen that the Aceh Qanun which was issued in 2014 and then revoked by the Aceh government in 2016 is not a requirement to obtain a license to convert Conventional Aceh Bank into sharia.
WAKAF SEBAGAI DASAR MENINGKATKAN KESEJAHTERAAN DAN SUMBER DAYA MANUSIA: (Studi Penerapan Wakaf Produktif dan Tunai Di Aceh) Mukhlisuddin, Teuku
Al-Madaris Jurnal Pendidikan dan Studi Keislaman Vol. 4 No. 1 (2023): Islamic Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) Sekolah Tinggi Agama Islam Jamiatut Tarbiyah Lhoksukon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47887/amd.v4i1.116

Abstract

Before the Indonesian nation proclaimed its independence, the Indonesian people had often made waqf. This waqf practice is in line with the many Islamic kingdoms in Indonesia, such as the Demak kingdom, the Pasai kingdom, the Mataram kingdom and so on. The implementation of waqf that develops in society is carried out based on Islamic teachings that originate from Islamic values. Looking at waqf historically, it has actually taught Muslims the importance of continuous economic resources to ensure ongoing prosperity in society. Waqf as an economic instrument that gives life to its managers and the community. Waqf is an important socio-economic pattern of worship. Waqf is to build the economy and civilization. Waqf has an economic basis. Therefore, we must make waqf the backbone of sharia economic development. In building an Islamic economy, waqf cannot stand alone, but is a package with zakat, infaq and alms. The author sees the concept of cash waqf in Aceh as having tremendous potential to support the economic development of the people, because the funds are also available from sources of zakat, infaq, endowments, and other religious assets. These sources of funds are managed in an integrated manner at Baitul Mal Aceh. The management of zakat and waqf is not separate as at the national level. According to classical Islamic history, waqf has played a very significant role in improving the welfare of Muslims, both in the fields of education, health services, social services and public interests, religious activities, development of science and Islamic civilization in general. Waqf as an economic instrument that gives life to its managers and the community. Not the other way around, waqf only becomes a burden on managers and demands a helping hand of generosity from the community. Waqf during the friendship era has become an economic source and financing for the development of science, such as during the Caliphate era of Harun al Rasyid with the Bayt al Hikmah library which was financed by waqf wealth.
IMPLEMENTASI PRINSIP WASIAT DALAM ISLAM (PERSPEKTIF HUKUM DI INDONESIA) Mukhlisuddin, Teuku
Al-Madaris Jurnal Pendidikan dan Studi Keislaman Vol. 5 No. 2 (2024): Education
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) Sekolah Tinggi Agama Islam Jamiatut Tarbiyah Lhoksukon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47887/amd.v5i2.173

Abstract

A will is a message about a good thing that will be carried out after a person dies. The testament comes from the word washa which means to convey or give a message or forgiveness. In other words, a will is property given by its owner to another person after the giver dies. The concept of a will in Islam refers to the transfer of assets to distant relatives or relatives who do not have inheritance rights as well as to other people. From this concept, a theory of legal reasoning regarding will law emerged, which then developed to include reasoning about its legal posistion. The aim of Islamic law is to realize the benefit of the people. One of the aspects that is the focus of this study is wills, namely the posistion of wills in the inheritance distribution system, the legal impact of testamentary events, and the legal posistion of Islmaic wills in the Indonesian legal system.
Pengaruh Modal Sendiri Terhadap Pembiayaan Investasi Mudharabah dan Musyarakah pada BTN Syariah Cabang Malang Mukhlisuddin, Teuku
Syarah: Jurnal Hukum Islam dan Ekonomi Vol. 12 No. 2 (2023): SYARAH : Jurnal Hukum Islam dan Ekonomi
Publisher : Fakultas Syariah Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/syarah.v12i2.2216

Abstract

Mudharabah adalah bentuk kerja sama antara dua atau lebih dimana pihak pemilik modal (shahibul al-maal) mempercayakan sejumlah modal kepada pengelola (mudharib) dengan suatu perjanjian pembagian keuntungan. Sedangkan Musyarakah adalah Akad kerjasama atau percampuran antara dua pihak atau lebih untuk melakukan suatu usaha tertentu yang halal dan produktif dengan kesepakatan bahwa keuntungan akan dibagikan sesuai nisbah yang disepakati dan resiko akan ditanggung sesuai porsi kerjasama. Tujuan penelitian ini yaitu ingin mengetahui implementasi modal sendiri dan non performing financing serta pengaruh modal sendiri dan non performing financing terhadap pembiayaan mudharabah dan musyarakah pada Bank Tabungan Negara Syariah Kota Malang. Penelitian yang digunakan adalah penelitian empiris atau penelitian lapangan (field research), dengan terjun langsung ke lapangan secara utuh. Terlibat dengan responden dan merasakan apa yang mereka rasakan sekaligus mendapatkan gambaran yang komprehensif tentang situasi setempat. Dengan menggunganakan teknik wawancara dan dokumentasi Sehingga peneliti telah memiliki pengetahuan tentang kondisi, dan situasi proses menabung di BTN syariah cabang Kota Malang. Hasil analisis data menunjukkan bahwa: Pembiayaan modal sendiri pada penelitian ini dapat di klasifikasikan yaitu Pembiayaan Konsumen dan pembiayaan komersial. BTN Syariah cabang Malang menyediakan beberapa produk pembiayaan yaitu : akad mudharabah, akad qard, akad rahn, akad wakalah, akad istisna. Pengaruh Modal sendiri Pada pembiayaan tersebut, bank BTN syariah membiayai dana kepada pemohon dana dengan menggunakan modal sendiri (keuntungan bank) dan modal pihak ketiga (tabungan nasabah). Disamping itu pembiayaan bermasalah juga sangat berhubungan dengan pengendalian biaya dan sekaligus berhubungan dengan kebijakan pembiayaan yang dilakukan bank itu sendiri. Semakin tinggi NPF (Non performing financing) yang dimiliki bank, maka semakin meningkat kredit yang disalurkan. Atau semakin tinggi NPF yang dimiliki bank maka semakin rendah pembiayaan yang disalurkan.