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Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam
Published by IAIN Syaikh Abdurrahman Siddik Bangka Belitung
ISSN : 20897227     EISSN : 25988522     DOI : https://doi.org/10.32923/asy.v6i2.
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Asy-Syar’iyyah specializes in sharia, Islamic law, family law, muamalah (Islamic economic law), Islamic economics, Islamic finance, Islamic accounting, and Islamic banking and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines with various approaches of normative, philosophy, history, sociology, anthropology, theology, psychology, economics and is intended to communicate the original researches and library research on the subject.
Arjuna Subject : Umum - Umum
Articles 102 Documents
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ANALISIS PEMETAAN POTENSI EKONOMI PONDOK PESANTREN BANGKA BELITUNG Ilyas, Rahmat; Hartono, Rudi; Bin Kamsani, Fazlur Rahman
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 2 (2023): Jurnal Asy Syar'iyyah Desember 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i2.3586

Abstract

Islamic boarding schools, as the oldest traditional Islamic educational institutions, have grown organically and flourished among the Muslim community in Indonesia. One of the current challenges in the modern world is the economic aspect, an integral part of social life that is closely linked to the fulfillment of needs and desires. The economic potential of Islamic boarding schools lies in an economic system based on their strengths, where economic activities are conducted through self-sufficiency in managing any economic resources that can be utilized. This quantitative research aims to analyze the economic potential of Islamic boarding schools. Data collection methods involve questionnaires and direct observations. The research results indicate that 68% of the surveyed Islamic boarding schools have land available for business development, while 32% state that the existing land is limited for such purposes. Regarding financial aspects, out of the 34 surveyed boarding schools, 68% express a lack of funds or capital for business development, 23% have already secured funding, and 9% are uncertain. Pondok Pesantren sebagai sebuah lembaga pendidikan tradisional Islam paling tua yang tumbuh secara swadaya dan berkembang di kalangan masyarakat Islam di Indonesia. Salah satu tantangan dunia modern saat ini yaitu aspek ekonomi. Ekonomi secara mutlak tidak dapat dipisahkan dari kehidupan sosial karena berkaitan dengan pemenuhan kebutuhan dan keinginan. potensi ekonomi pondok pesantren adalah sistem ekonomi yang berbasis pada kekuatan ekonomi pondok pesantren, Dimana kegiatan ekonomi pondok pesantren adalah sebagai kegiatan ekonomi atau usaha yang dilakukan pondok pesantren kebanyakan yang dengan cara swadaya mengelola sumber daya ekonomi apa saja yang dapat diusahakan. Penelitian merupakan penelitian kuantitatif yang bertujuan untuk menganalisis potensi ekonomi pada pondok pesantren, metode pengumpulan data dilakukan melalui kuesioner dan observasi langsung. Hasil penelitian menunjukkan bahwa pondok pesantren yang diteliti menyatakan bahwa terdapat 68% pondok pesantren yang memiliki lahan untuk pengembangan usaha dan sebesar 32% menyatakan bahwa lahan yang ada sangat terbatas untuk pengembangan usaha pondok pesantren. Sedangkan kalau dilihat dari aspek permodalan diketahui bahwa dari 34 pondok pesantren yang di teliti terdapat 68% yang menyatakan bahwa pondok pesantren belum memiliki dana atau modal yang akan digunakan untuk pengembangan usaha pada pondok pesantren, sedangkan yang sudah menyatakan ada sebesar 23% dan yang ragu-ragu sebesar 9%.
MANAJEMEN STRATEGIS DIGITALISASI BANK: BPRS PEMERINTAH DAERAH DI INDONESIA Syaifuddin, Syaifuddin; Sanmas, Abu; Turmudi, Asep Hedi
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 2 (2023): Jurnal Asy Syar'iyyah Desember 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i2.3593

Abstract

This study aims to describe and map the strategic management of BPRS belonging to the regional government in North Maluku Province in entering the banking industry era 4.0. Documenting and analyzing the achievements of micro Islamic banks in North Maluku Province entering the digitalization of Islamic banking. This research succeeded in identifying the resources based view and the challenges opportunities of each BPRS. By using strategic management analysis and SWOT (Strength, Weaknessen, Opportunity, and Threat) analysis, the government-owned BPRS is ready to enter the era of digital banking. The two regional government-owned sharia banks have representative facilities, ATMs, digital payment systems, mobile payment applications, competent human resources, extensive service networks on several islands, development of information technology facilities and human resources that are continuously upgraded. Penelitian ini bertujuan untuk mengidentifikasi kemampuan BPRS pemerintah daerah di seluruh Indonesia menghadapi peluang dan tantangan era industri bank 4.0. Mengidentifikasi bank syariah milik pemerintah daerah yang memberikan pembiayaan keuangan mikro. Mengklasifikasikan 22 BPRS yang dimiliki oleh pemerintah kabupaten dan kota dari 167 BPRS yang ada di seluruh wilayah Indonesia. Melakukan analisis mendalam terhadap dua bank sebagai sampel untuk melakukan analisis yang mendalam. Penelitian ini berhasil mengidentifikasi resources based view dan peluang tantangan dari masing masing BPRS. Dengan menggunakan analisis manajemen strategis dan analisis SWOT (Strenght, Weaknessen, Opurtunity, and Threat) menghasilkan kesimpulan BPRS milik pemerintah siap memasuki era bank digital. Kedua bank syariah milik pemerintah daerah mempunyai fasilitas yang representative, ATM, sistem pembayaran digital, aplikasi pembayaran mobile, sumberdaya manusia yang kompeten, jaringan layanan yang luas di beberapa pulau, pengembangan fasilitas teknologi informasi dan sumberdaya manusia yang terus diupgrade.
PERAN UMKM DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT KABUPATEN POHUWATO DITINJAU DARI MAQASID SYARI’AH Habie, Riska Octavia
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 1 (2023): Jurnal Asy Syar'iyyah Juni 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i1.3696

Abstract

UMKM adalah saatu unit usaha produktif yang dimiliki oleh perorangan ataupun badan usaha disemua sektor ekonomi. UMKM sendiri memiliki eksistensi dan peran yang penting dalam perekonomian nasional di Indonesia. Provinsi Gorontalo berada di peringkat kelima di Indonesia yang menjadi Provinsi dengan tingkat kemiskinan tertinggi. Sebagai upaya dalam mengatasi masalah kemiskinan dan untuk meningkatkan kesejahteraan masyarakat, pemerintah Provinsi Gorontalo mengusung program pengembangan UMKM yang mana juga dilakukan oleh pemerintah pusat. Di Provinsi Gorontalo sendiri, Kabupaten Pohuwato berada di peringkat kedua yang memiliki angka kemiskinan tertinggi sedangkan memiliki jumlah UMKM terbanyak. Untuk melihat tingkat kesejahteraan digunakan indikator dari maqasid syari’ah oleh Al-Syathibi yaitu Agama, Jiwa, Akal, Keturunan dan Harta. Penelitian ini menggunakan metode kualitatif dengan menggunakan pendekatan sosio ekonomi. Beradasarkan hasil penelitian ini, diketahui bahwa UMKM sendiri memang berperan dalam meningkatkan kesejahteraan masyarakat di Kecamatan Marisa, karena melalui UMKM ini ada beberapa kebutuhan yang sebelumnya tidak bisa dipenuhi menjadi terpenuhi. Namun UMKM sendiri masih ditemukan beberapa permasalahan seperti SDM yang kurang memadai, kurangnya inovasi dari UMKM, pada umumnya UMKM hanya fokus pada usaha perdagangan sehingga kurangnya pemanfaatan dari potensi yang ada di Kabupeten Pohuwato, penyerapan tenaga kerja yang masih kurang.
ZAKAT GOVERNANCE IN PANGKALPINANG CITY INSTITUTIONAL ECONOMIC PERSPECTIVE Lidyawati, Lidyawati; Rozi, Rozi; Rohmadania, Siti; Kurnia, Muhammad; Hayatullah, Imam Khomaeni
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 1 (2023): Jurnal Asy Syar'iyyah Juni 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i1.3731

Abstract

This research aims to find out the governance of zakat from the perspective of institutional economics in Pangkalpinang City. This research uses qualitative-descriptive method. Data collection methods through interviews, documentation and observation. The results of this study are the management of zakat in BAZNAS Pangkalpinang City every year continues to increase, although there is still a lack of public awareness in Pangkalpinang City in paying zakat. In its journey in the third year of BAZNAS leadership, the progress has been seen where public trust in BAZNAS began to emerge. BAZNAS Pangkalpinang City has made many programs covering education, humanitarian and poor people's programs to provide welfare to the community with professional and trustworthy zakat management.
FILANTROPI MENURUT PERSPEKTIF AL-QUR’AN: ANALISIS DALAM MENYIKAPI PERMASALAHAN KESENJANGAN EKONOMI UMAT Arief, Suyoto; Fikri, Achmad Banding Abdullah; Wibisono, Vina Fithriana
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 1 (2023): Jurnal Asy Syar'iyyah Juni 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i1.3749

Abstract

Philanthropy is a voluntary behavior that aims to benefit the community, whether done independently or institutionally. However, even so, philanthropy that comes with its new transformation from classical to modern (social purposes) which is able to have a positive impact on the economic gap of the people, there is a need to revitalize the meaning of philanthropy not just karitas, which actually must be the basis for the attitude of behavior of all kinds of philanthropic activities, namely presenting philanthropy based on the Qur'anic perspective. Therefore, this study aims to explore the concept of philanthropy in the Qur'anic perspective in addressing the problem of people's economic disparities. The method used is a qualitative research method using library research. The results of this study indicate that philanthropy in the Qur'anic perspective can be used as a reference in addressing all aspects of life, one of which is the problem of economic inequality. The Qur'an has a significant role in the development of Islam and human civilization. The configuration of Qur'an-based philanthropy is through zakat, infaq, sadaqah and waqf which are seen as charitable movements that provide support to help others fairly (sportive), which are able to empower in the long term. Thus, if this philanthropy is implemented properly according to Qur'anic principles, it will reduce the economic gap between the rich and the poor and create a balance in the living standards of a prosperous society.
ANALISIS TINJAUAN BIBLIOMETRIK PADA LITERATUR SISTEM MONETER ISLAM Ilhamdi, Ilhamdi; Nugraha, Deni Pandu
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 2 (2023): Jurnal Asy Syar'iyyah Desember 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i2.3754

Abstract

Research on the Islamic Monetary System is an important concern that contributes to the development of Islamic economics and finance. The large amount of literature related to Islamic economics and finance motivates researchers to discover new and different things. So an insightful study of bibliometric literature helps to understand the patterns and directions of research regarding the Islamic monetary system. This research collected 153 articles from the Scopus database for the period 1970 to 2023. Applications used included Microsoft Excel and VOSviewer to describe graphic data, citation analysis, co-occurrence analysis, and content analysis. The results of the analysis reveal the countries that published articles, the distribution of research over the research time interval, the most influential authors in the field of Islamic finance, the most cited journals, and keywords that frequently appear. There are five research streams identified, including (1) monetary policy transmission mechanisms through sharia financial channels, (2) Islamic monetary policy instruments in several OIC countries, (3) currency concepts and encouraging the economy from an Islamic perspective, (4) sector stability finance according to the views of Islamic science and finance, (5) interdependence in Islamic financial markets and linkages with conventional financial markets and macroeconomic variables. This research can address gaps in research in the field of Islamic Monetary Systems and offer further research for Islamic economics and finance researchers. Penelitian Sistem Moneter Islam menjadi perhatian penting yang berkontribusi pada pengembangan keilmuan ekonomi dan keuangan Islam. Banyaknya literatur terkait ekonomi dan dan keuangan Islam, memotivasi para peneliti untuk menemukan hal yang baru dan berbeda. Maka kajian tinjauan literatur bibliometrik membantu untuk memahami pola dan arah penelitian mengenai sistem moneter Islam. Penelitian ini mengumpulkan 153 artikel dari basis data Scopus untuk periode 1970 hingga 2023. Aplikasi yang digunakan antara lain Microsoft Excel dan VOSviewer untuk menggambarkan grafik data, analisis kutipan, analisis co-occurrence, dan analisis analisis isi. Hasil analisis mengungkap negara-negara yang menerbitkan artikel, sebaran penelitian pada interval waktu penelitian, penulis yang paling berpengaruh bidang moneter Islam, jurnal yang paling banyak dikutip, serta kata kunci yang sering muncul. Terdapat lima arus penelitian yang teridentifikasi antara lain (1) mekanisme transmisi kebijakan moneter melalui jalur keuangan syariah, (2) instrumen kebijakan moneter Islam di beberapa negara OKI, (3) konsep mata uang dan perannya pada perekonomian dalam perspektif Islam, (4) stabilitas sektor keuangan menurut dalam pandangan ilmu dan keuangan islam, (5) interdependensi dalam pasar keuangan syariah dan keterkaitan dengan pasar keuangan konvensional serta variabel makroekonomi. Penelitian ini dapat mengatasi kesenjangan dalam penelitian di bidang Sistem Moneter Islam dan menawarkan penelitian selanjutnya bagi para peneliti ekonomi dan keuangan Islam.
DINAMIKA MEDIASI TRUST DALAM PREFERENSI PENGGUNAAN JASA MUA RAMAH MUSLIM ZILLENIAL Rhamadanty, Tariza Dewi; Razak, Syaparuddin; Idayanti, Rini
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 9 No. 1 (2024): Asy Syar’iyyah, Vol. 9, No.1, Juni 2024
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v9i1.4176

Abstract

Abstrak This research responds to the lack of previous studies on trust mediation in the utilization of services by Muslim-friendly Make Up Artists (MUAs). The primary innovation lies in the addition of the Religious Commitment variable as a key element influencing consumer trust in MUAs focusing on religious values. Employing a quantitative and Islamic economic approach, the trust variable is considered a mediator. The results of data analysis from 200 respondents who completed the questionnaire, using SEM-PLS, indicate that Religious Commitment, Ability, and Integrity have a positive and significant impact on Trust, while Benevolence does not have a significant influence. Furthermore, Religious Commitment also positively influences the usage of services by Muslim-friendly MUAs, whereas Ability, Benevolence, and Integrity do not significantly affect service usage. These findings provide crucial insights into understanding the factors influencing trust and the utilization of services by Muslim-friendly MUAs, offering a foundation for beauty industry practitioners to devise more effective marketing strategies by considering consumers' religious values. Keywords: Religious Commitment, Trust Mayer Model (TMM), Usage of MUA (Make Up Artist), Zillennial Generation. Abstrak Penelitian ini menanggapi ketidaktersediaan penelitian sebelumnya mengenai mediasi trust dalam penggunaan jasa Make Up Artist (MUA) ramah muslim. Inovasi utamanya adalah penambahan variabel Komitmen Keagamaan sebagai elemen kunci yang memengaruhi kepercayaan konsumen terhadap MUA yang berfokus pada nilai-nilai keagamaan. Dengan menggunakan pendekatan kuantitatif dan ekonomi Islam, variabel trust dianggap sebagai mediator. Hasil analisis data dari 200 responden yang mengisi angket, menggunakan SEM-PLS, menunjukkan bahwa Komitmen Keagamaan, Ability, dan Integrity berpengaruh positif dan signifikan terhadap Trust, sementara Benevolence tidak memiliki pengaruh signifikan. Selanjutnya, Komitmen Keagamaan juga berpengaruh positif terhadap Penggunaan Jasa MUA ramah muslim, sementara Ability, Benevolence, dan Integrity tidak memiliki pengaruh signifikan. Temuan ini memberikan wawasan krusial dalam pemahaman faktor-faktor yang memengaruhi kepercayaan dan penggunaan jasa MUA ramah muslim, memberikan landasan bagi pelaku industri kecantikan untuk merancang strategi pemasaran yang lebih efektif dengan memperhitungkan nilai-nilai keagamaan konsumen. Keywords: Komitmen Keagamaan, Trust Mayer Model (TMM), Penggunaan Jasa MUA (Make Up Artist), Generasi Zillenial
MEASURING THE ZAKAT VILLAGE INDEX IN SUPPORTING THE ZAKAT COMMUNITY DEVELOPMENT PROGRAM AT BAZNAS GORONTALO DISTRICT Muhibbuddin, Muhibbuddin; Sahabi, Ansar; Raupu, Mutiara; Abdullah, Faisal; Rahman, Supandi
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 9 No. 1 (2024): Asy Syar’iyyah, Vol. 9, No.1, Juni 2024
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v9i1.4330

Abstract

Abstract Calculation of the Village Zakat Index Value is the aim of research conducted in Buhu, Iloponu, East Limehe, Toyidito and Tonala Villages. The method used is a descriptive quantitative approach. The samples in this study were the 5 poorest villages in Gorontalo Regency, namely Buhu Village, Iloponu Village, East Limehe Village, Toyidito Village, and Tonala Village. Data collection instruments through observation, questionnaires and documentation. By using primary data sources obtained directly from respondents related to research and secondary data obtained from books, journals and previous research. The informants in this research were village officials and the community. The results of the Zakat Index calculation, Tonala Village has the lowest overall index value of 0.45. Thus, this figure is in the quite good category, so consideration needs to be taken when providing assistance. Keywords: Zakat Village Index, Zakat Community Development Abstrak Perhitungan Nilai Indeks Desa Zakat merupakan tujuan dari pada penelitian yang dilakukan di Desa Buhu, Iloponu, Limehe Timur, Toyidito dan Desa Tonala. Metode yang digunakan yakni pendekatan kuantitatif Deskriptif. Sampel pada penelitian ini adalah 5 Desa termiskin di Kabupaten Gorontalo yaitu Desa Buhu, Desa Iloponu, Desa Limehe Timur, Desa Toyidito, dan Desa Tonala. Instrumen pengumpulan data melalui observasi, angket dan Dokumentasi. Dengan menggunakan sumber data primer diperoleh langsung dari responden yang berkaitan dengan penelitian dan data sekunder diperoleh dari buku, jurnal dan penelitian terdahulu. Informan dalam penelitian ini adalah aparat desa dan masyarakat. Hasil perhitungan Indeks Zakat, Desa Tonala memiliki nilai indeks terendah secara keseluruhan sebesar 0,45. Dengan demikian, angka ini berada pada kategori cukup baik, sehingga perlu adanya pertimbangan dalam pemberian bantuan. Kata Kunci: Indeks Desa Zakat, Zakat Community Development
DYNAMICS OF STOCK PRICES IN THE SHARIA CAPITAL MARKET: THE IMPORTANT ROLE OF FINANCIAL FUNDAMENTAL ANALYSIS Lestari, Ajeng; Hadi, Azizan
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 9 No. 1 (2024): Asy Syar’iyyah, Vol. 9, No.1, Juni 2024
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v9i1.4431

Abstract

Islamic capital market shows investment potential that investors are interested in. Therefore, investors must understand information regarding share prices, such as fundamental analysis (ROE, DER, EPS and ROS) that occurs from outside the company, before deciding to sell or buy these shares. There are differences in theory with the phenomena that occur today so further research is needed. The problem formulation is to determine the effect of fundamental analysis (ROE, DER, EPS and ROS on the share price of a company. This type of research uses quantitative methods. The data used is secondary data which is the publication of the company's financial reports. The population is all companies registered in The Jakarta Islamic Index for the 2019-2023 period consisted of 20 companies. The sample was determined using a purposive sampling method and 10 samples were obtained. From the statistical tests carried out, it was found that ROE partially had a significant effect on stock prices, DER partially had no significant effect on stock prices. EPS partially has a significant effect on stock prices, and ROS partially has a significant effect on stock prices. The research results simultaneously found that the variables ROE, DER, EPS and ROS as a whole have a significant effect on stock prices.
ANALYSIS OF ALTERNATIVE DISPUTE RESOLUTION OF DAMAGES ON MURABAHAH FINANCING: (STUDY OF CASE RULING NUMBER 123/PDT.G/2022/PTA.SMG) Sari, Bunga Lidia; Khutub, Muhammad; Zulhuda, Sonny
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 9 No. 1 (2024): Asy Syar’iyyah, Vol. 9, No.1, Juni 2024
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v9i1.4436

Abstract

The development of sharia financing is very important in the context of the needs of the Indonesian people, this financing involves various available contracts, one of which is murabahah contract financing, murabahah contract financing is becoming a common option that is increasingly in demand by the Indonesian people in a fast and easy way, namely by taking a profit margin. The impact of problematic murabahah financing on sharia banking itself is usually related to liquidation conditions, solvency, profitability and probability. This article aims to understand the legal basis and considerations of judges in deciding the murabahah contract in decision number 123/Pdt.G/2022/PTA.Smg as well as knowing the perspective of the compilation of sharia economic law in decision number 123/Pdt.G/2022/PTA.Smg. This article was prepared using a qualitative method which is supported by decision number 123/Pdt.G/2022/PTA.Smg. The conclusion in this article is that a very important consequence of non-fulfillment of default is that creditors can ask for compensation for the costs, losses and interest they suffer. For there to be an obligation to compensate debtors, the law determines that the debtor system. This awareness will function as a binding force for the parties to fulfill the promises they have agreed to. In this way, an agreement can function to prevent broken promises or default. Awareness of the importance of an agreement.

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