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All Journal Tahqiqa: Jurnal Pemikiran Hukum Islam Jurnal Riset Hukum, Ekonomi Islam, ekonomi, Manajemen dan Akuntansi
Nansadiqa, Lisa
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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ANALISIS PERLINDUNGAN HUKUM TERHADAP DEBITUR GADAI EMAS DI ACEH Nansadiqa, Lisa
Jurnal Tahqiqa : Jurnal Pemikiran Hukum Islam Vol. 19 No. 1 (2025): Januari
Publisher : Sekolah Tinggi Ilmu Syariah Al-Hilal Sigli Aceh- Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61393/tahqiqa.v19i1.284

Abstract

This research was conducted to analyze and see how the law complies with the concept of gold pawn financing at bank syariah Indonesia Region l Aceh. In the statutory regulations,the sales process and remaining sales of gold pawn financing collateral objects as well as form of legal protection for gold pawn debtors at bank syariah indonesia Region l Aceh when the price of gold decreases at the time of execution of the pawn object. The analytical method used in this research is empirical normative research, using a statutory approach and a conceptual approach and qualitative analysis. The results of this research indicate that the implementation of the gold pawn financing law at Bank syariah Indonesia is in accordance with the Fatwa of the National Sharia Council of the Indonesian Ulema Council Number 26/DSN-MUI/III/2002 concerning Gold Rahn and the DSN MUI Fatwa Number 25/DSN MUI/III/2002 Concerning Rahn; the practice of pledging gold at Bank Syariah Indonesia in Region I Aceh is carried out based on the standard Operating Procedures applicable to the bank with are then listed on the Gold Pawn Proof Letter (SBGE). However, regarding the method of selling gold pawned objects in BSI Region I Aceh, it is not in accordance with the DSN MUI Fatwa, where the practice of selling pawned objects in BSI Region I Aceh is carried out through sales to gold shops, while the DSN MUI Fatwa regulates the process of selling pawned objects through an auction process. Sharia however, it does not directly violate elements of sharia because it does not violate either.
ANALISIS PERSEPSI MASYARAKAT KOTA SIGLI TERHADAP PINJAMAN PEMBIAYAAN MIKRO OLEH BTPN SYARIAH DALAM PENINGKATAN USAHA UMKM DITINJAU DARI HUKUM ISLAM Nansadiqa, Lisa
HEI EMA : Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen dan Akuntansi Vol. 4 No. 2 (2025): Juli
Publisher : Prodi Hukum Ekonomi Syariah, STI Syariah AL-Hilal SIgli

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61393/heiema.v4i2.351

Abstract

BTPN Syariah Bank operates based on the principle of financial inclusion, providing financial products and services to the public and businesses. BTPN Syariah also provides a business capital financing loan program for MSMEs. This study uses a qualitative method with a descriptive analytical approach. Data collection methods were obtained through direct observation, interviews, and documentation. The subjects in this study were the MSME community in Sigli City, or customers, and BTPN Syariah. The results of the study concluded that the perception of the MSME community in Sigli City is more positive in understanding the differences between Islamic banks and conventional banks. MSME actors in Sigli City are greatly helped by the presence of BTPN Syariah Bank, which can improve the community's economy. Furthermore, the practice of debt receivables with both parties benefits each other, namely Muqtarid (borrower) receives a loan so that they can meet their needs. While Muqrid (the lender) also receives a profit. According to Islamic law, financing loans provided by BTPN Syariah for business development contain elements of usury, because the principle carried out between the borrower and BTPN Syariah bank uses the principle of interest and depends on the interest system applied in conventional banks. Therefore, any addition to the loan amount from the debtor is said to be usury, but it depends more on the background and the consequences that arise.
ANALISIS PERKEMBANGAN EKONOMI DIGITAL DALAM MENINGKATKAN DAYA SAING UMKM DAN PERTUMBUHAN EKONOMI DI INDONESIA Nansadiqa, Lisa
HEI EMA : Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen dan Akuntansi Vol. 5 No. 1 (2026): Januari
Publisher : Prodi Hukum Ekonomi Syariah, STI Syariah AL-Hilal SIgli

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61393/heiema.v5i1.451

Abstract

Digitalization has contributed significantly to increasing economic growth in Indonesia through increased productivity, job creation, and expanding financial inclusion, especially for Micro, Small, and Medium Enterprises (MSMEs). However, the digital transformation of Micro, Small, and Medium Enterprises (MSMEs), especially in Banda Aceh City, is crucial in adapting to challenges and opportunities in the era of disruption. The purpose of this research is to determine the development and impact of the digital economy in increasing the competitiveness of MSMEs and economic growth in Indonesia, especially in the city of Banda Aceh. The purpose of this research is to determine the development and impact of the digital economy in increasing the competitiveness of MSMEs and economic growth in Indonesia, especially in the city of Banda Aceh. This study uses a descriptive qualitative method based on literature studies to analyze the development of the digital economy in increasing the competitiveness of MSMEs and economic growth in Indonesia. The results of the analysis show that the digital economy not only increases economic efficiency but also encourages the emergence of new business models or increases the competitiveness of MSMEs that are more adaptive to technological changes, thereby driving economic growth in Indonesia. Support from the government and all stakeholders is highly expected through pro-digitalization policies, increasing digital literacy, and infrastructure development as key factors in creating an inclusive and sustainable digital economic ecosystem. Overall, the digital economy plays a vital role in Indonesia's economic transformation towards the Industry 5.0 era.
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