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All Journal Shar-E: Jurnal Kajian Ekonomi Hukum Syariah RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Lunggi Journal
Oktoviasari, Vera Ayu
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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MACAM-MACAM AKAD DALAM PENERAPANNYA PADA LEMBAGA KEUANGAN SYARIAH DI INDONESIA Oktoviasari, Vera Ayu; Firmansyah, Yuman; Kadir, Amiruddin; Syaharuddin, Syaharuddin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3460

Abstract

Islamic Financial Institutions in Indonesia operate based on Islamic sharia principles, which make contracts the primary basis for every financial transaction. A contract is an agreement or agreement between two parties that is legally and sharia-compliant, and serves as the legal basis for economic activities. This study aims to identify various types of contracts used in Islamic Financial Institutions in Indonesia and analyze their practical application in financial products and services. The research method used is a qualitative study with a descriptive analytical approach. Data were obtained through literature studies, DSN-MUI fatwa documentation, and analysis of practices in Islamic banking, BMT, and Islamic Financial Institutions. The results show that Islamic Financial Institutions in Indonesia use various types of contracts, both tabarru' contracts (benevolent/non-profit contracts) such as Wadiah and Qard, and Tijarah contracts (commercial/profit-oriented contracts) such as Murabahah, Ijarah, and Istishna'. The implementation of these contracts is tailored to product characteristics and customer needs. For example, the murabahah contract is widely applied in consumer financing, while the musyarakah and mudharabah contracts are used in productive business financing. The ijarah contract is commonly used in leasing products, and the wadiah contract is applied in checking account savings products. In practice, several challenges remain, such as limitations in the concept of the contract and the need for Sharia principles to prevent practices that approach usury. This research emphasizes the importance of public education regarding Sharia contracts and the need for more accurate Sharia supervision to ensure consistent implementation of contracts in accordance with Sharia principles. With a proper understanding and implementation of contracts, Sharia financial institutions can continue to grow and provide a fair, transparent, and ethical financial alternative in Indonesia. Keywords : Types of Contracts, Implementation, Islamic Financial Institutions.
Manajemen Supply pada Produk HNI-HPAI Halal Mart di Kabupaten Sambas Perspektif Ekonomi Islam Oktoviasari, Vera Ayu; Sumar’in, Sumar’in; Awaluddin, Murtiadi
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 10 No. 2 (2024): Shar-E: Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v10i2.2714

Abstract

Islam is a religion that has a universal system that regulates good business and is in accordance with religion. Many companies are switching to an Islamic business system, called sharia economics. Currently, people really like the Islamic business system. Sharia-based companies include PT HPAI (Herbal Penawar al-Wahida Indonesia), which later became HNI-HPAI (Herba Penawar Al-Wahida Indonesia-Halal Network International). This research aims to determine the supporting and inhibiting factors for implementing supply management at the herbal HPAI halal mart in Sambas Regency. In this research, qualitative research was used. The data collection technique is carried out by means of interviews, then analyzed through data reduction, classifying the data, presenting the data and finally drawing conclusions. The data sources in this research consist of 2, namely primary data and secondary data. One of the supporting factors for carrying out herbal medicine supply management in Sambas Regency can involve operational efficiency, product quality and good marketing strategies. Meanwhile, inhibiting factors may include raw material supply instability, regulatory changes, or logistical constraints. The external supporting factor is that many people know the quality of HPAI products, so they are easy to sell because the prices are affordable. The internal inhibiting factor is not having its own way or rules to handle orders for lots of herbal products by consumers and delays in delivery of goods. These delays are due to an overload of goods to be sent by the expedition.
PENGARUH STRES DAN BEBAN KERJA TERHADAP KINERJA KARYAWAN PADA PERUMDA AIR MINUM TIRTA MUARE ULAKAN KABUPATEN SAMBAS DALAM PERSPEKTIF BISNIS ISLAM Wilda; Hutagaluh, Oskar; Oktoviasari, Vera Ayu
Lunggi Journal Vol. 2 No. 4 (2024): Lunggi Journal: Literasi Unggulan Ilmiah Multidisipliner
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the effect of work stress and workload on employee performance at Perumda Air Minum Tirta Muare Ulakan, Sambas Regency, from an Islamic Business perspective. The population of this study consists of all employees of Perumda Sambas, with a sample size of 33 respondents. This research uses a quantitative method and is descriptive statistical in nature. The sampling technique employed is non-probability sampling with saturated sampling or census as the category. The data analysis methods used in this study include validity tests, reliability tests, classical assumption tests, followed by multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination test. The results of this study show that work stress has a positive effect on employee performance at Perumda Air Minum Tirta Muare Ulakan, Sambas Regency, from an Islamic Business perspective, with a multiple linear regression coefficient value of 0.435 and a t-count > t-table value (5.355 > 1.697). Meanwhile, workload also has a positive effect on employee performance at Perumda Air Minum Tirta Muare Ulakan, Sambas Regency, from an Islamic Business perspective, with a multiple linear regression coefficient value of 0.818 and a t-count > t-table value (0.818 > 1.697). Simultaneously, work stress and workload have a positive effect on employee performance at Perumda Air Minum Tirta Muare Ulakan, Sambas Regency, from an Islamic Business perspective, with an F-count > F-table value (63.863 > 3.32).
Co-Authors Firmansyah, Yuman Hutagaluh, Oskar Kadir, Amiruddin Murtiadi Awaluddin Sumar’in, Sumar’in Syaharuddin Wilda