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All Journal YUDHISTIRA : Jurnal Yurisprudensi, Hukum dan Peradilan Journal of Islamic Economic and Law (JIEL)
Taufik Hidayat Harahap
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Optimalisasi Pembiayaan Syariah pada Koperasi Al-Ikhlas: Tinjauan Hukum Islam Taufik Hidayat Harahap
YUDHISTIRA : Jurnal Yurisprudensi, Hukum dan Peradilan Vol. 1 No. 2 (2023): Juni
Publisher : Cv. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/yudhistira.v1i2.1315

Abstract

This study aims to analyze the implementation of Islamic principles in financing practices at the Al-Ikhlas Cooperative of the Ministry of Religious Affairs (Kemenag) Pidie and assess the compliance of the provided financing with Islamic law. The study also aims to identify the strengths and weaknesses of the financing system implemented and provide recommendations for improving the application of Islamic principles at the cooperative. Using a qualitative approach and a case study method, data were collected through interviews with the cooperative’s management and members, as well as direct observation of the financing process. Data analysis was conducted descriptively to illustrate the financing practices and relate them to Islamic principles. The results of the study show that most of the financing practices applied by the Al-Ikhlas Cooperative are in line with Islamic law. Akads such as murabaha and musharakah are used to ensure fairness, transparency, and avoid elements of riba, gharar, and oppression. However, there are weaknesses related to the unclear setting of profit margins and the underutilization of the profit-sharing system. Therefore, it is recommended that the cooperative clarify the profit margins and optimize the use of the profit-sharing system to further enhance compliance with Islamic principles.
Tantangan Dan Peluang Lembaga Keuangan Syariah Dalam Perekonomian Islam Taufik Hidayat Harahap
Journal of Islamic Economic and Law (JIEL) Vol. 1 No. 1 (2024): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v1i1.1633

Abstract

This study aims to analyze the implementation of Sharia contracts in Islamic financial institutions and the challenges encountered in practice. Additionally, it evaluates the effectiveness of regulations enforced by the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) in ensuring compliance with Sharia contracts. Furthermore, this study examines the impact of public understanding on compliance with Sharia transactions to formulate strategies for enhancing Islamic financial literacy. This research employs a qualitative literature study approach by analyzing various secondary sources, including scientific journals, books, OJK regulations, DSN-MUI fatwas, and annual reports of Islamic financial institutions. The data is analyzed descriptively and qualitatively by categorizing information based on the implementation of Sharia contracts, regulatory effectiveness, and the impact of financial literacy on compliance with transactions. The findings indicate that although the regulations implemented by OJK and DSN-MUI are comprehensive, challenges remain in the application of Sharia contracts, such as limited public understanding of Sharia principles and variations in contract implementation by financial institutions. Therefore, a more effective strategy for improving Islamic financial literacy is necessary to enhance compliance with Sharia transactions.
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