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All Journal Al-Hisbah Jurnal Ekonomi Syariah Jurnal Humaniora, Ekonomi Syariah dan Muamalah
Risqy Kurniawan, Rachmad
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Religion Economics, Econometrics & Finance Social Sciences Other

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Anggaran Pendapatan dan Belanja Negara dalam Perspektif Keuangan Syariah Risqy Kurniawan, Rachmad
Jurnal Humaniora, Ekonomi Syariah dan Muamalah Vol. 2 No. 2 (2024): Jurnal Humaniora, Ekonomi Syariah dan Muamalah (April - June 2024)
Publisher : Siber Nusantara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jhesm.v2i2.176

Abstract

Anggaran pendapatan dan belanja negara sebagai wujud dari pengelolaan keuangan negara yang dilakukan oleh pemerintah untuk mencapai tujuan pembangunan, pemerataan dan stabilitas perekonomian. Negara menjamin kemerdekaan tiap-tiap penduduk termasuk umat Muslim sebagai mayoritas penduduk untuk memeluk agamanya masing-masing dan untuk beribadat menurut agamanya dan kepercayaannya itu, termasuk juga harus menjamin pengelolaan keuangan negara yang sesuai dengan syariat Islam. Penelitian ini bertujuan untuk menganalisis bagaimana hukum APBN dalam perspektif keuangan syariah. Penelitian ini menggunakan pendekatan kualitatif deskriptif kepustakaan (library research), dengan menggunakan metode istinbath hukum. Penelitian ini menunjukkan bahwa pengelolaan keuangan negara melalui APBN boleh hukumnya bahkan menjadi wajib hukumnya untuk mewujudkan kemashlahatan dan menghindari kemudharatan. Pengelolaan APBN sudah sesuai dengan aturan hukum yang berlaku dan disepakati di Indonesia. Adapun pengelolaan keuangan negara menurut perspektif keuangan syariah diantaranya dengan instrument zakat, ghanimah, fai, kharaj dan jizyah memiliki kesamaan tujuan dan esensi penting dengan pengelolaan APBN.
IMPLEMENTASI KONSEP BANK EMAS PADA PT PEGADAIAN (STUDI KASUS: TRANSFORMASI DARI GADAI KE BANK EMAS) Risqy Kurniawan, Rachmad
Al-Hisbah Jurnal Ekonomi Syariah Vol 5 No 1 (2025): Jurnal Al Hisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v5i1.406

Abstract

This research is motivated by the difference between the ideal function of gold banks as a place to store and invest in gold and the practice of PT Pegadaian which makes gold as the main guarantee of credit loan products. This study aims to analyze the implementation of the gold bank concept in PT Pegadaian as a case study. The research method used is descriptive qualitative with a juridical normative approach, which examines the conformity between the legal basis and the implementation of Bullion Bank practices at PT Pegadaian. This research will examine the operational aspects of gold services at Pegadaian and review the related legal basis. The results of the research indicate that the implementation of the Bullion Bank concept at PT Pegadaian is not fully aligned with the ideal function of a Bullion Bank as a storage and investment institution, nor with the role of PT Pegadaian as a credit provider with gold pawn collateral. The conclusion of this research is that Pegadaian's transformation into a Bullion Bank, supported by POJK No. 17 of 2024, expands its services from gold pawn to gold savings, gold installments, and gold trading, while also presenting challenges related to reserve management, the risk of unproductive asset accumulation, gold price volatility, and the potential for a bubble economy.
IMPLEMENTASI KONSEP BANK EMAS PADA PT PEGADAIAN (STUDI KASUS: TRANSFORMASI DARI GADAI KE BANK EMAS) Risqy Kurniawan, Rachmad
Al-Hisbah Jurnal Ekonomi Syariah Vol 5 No 1 (2025): Jurnal Al Hisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v5i1.406

Abstract

This research is motivated by the difference between the ideal function of gold banks as a place to store and invest in gold and the practice of PT Pegadaian which makes gold as the main guarantee of credit loan products. This study aims to analyze the implementation of the gold bank concept in PT Pegadaian as a case study. The research method used is descriptive qualitative with a juridical normative approach, which examines the conformity between the legal basis and the implementation of Bullion Bank practices at PT Pegadaian. This research will examine the operational aspects of gold services at Pegadaian and review the related legal basis. The results of the research indicate that the implementation of the Bullion Bank concept at PT Pegadaian is not fully aligned with the ideal function of a Bullion Bank as a storage and investment institution, nor with the role of PT Pegadaian as a credit provider with gold pawn collateral. The conclusion of this research is that Pegadaian's transformation into a Bullion Bank, supported by POJK No. 17 of 2024, expands its services from gold pawn to gold savings, gold installments, and gold trading, while also presenting challenges related to reserve management, the risk of unproductive asset accumulation, gold price volatility, and the potential for a bubble economy.
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