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Inklusif: Jurnal Pengkajian Penelitian Syariah dan Ilmu Hukum
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 23032669     EISSN : 25489631     DOI : -
Core Subject : Social,
Law, Crime, Criminology & Criminal Justice Social Sciences
Journal INKLUSIF is a journal organized by Department of Syari’ah, Post Graduate Programe Syekh Nurjati State Islamic University. It only publishes original papers (no plagiarism) of literature and field research related to the Study and Research of Economics and Islamic Law. It focuses on the theme and topic of Islamic law: Islamic Criminal Law; Islamic Civil Law; Islamic Family Law; Application of Islamic Law in Indonesia; Islamic Economics; Islamic Banking, Sharia Accounting; and Issues of Contemporary Islamic Economics.
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Articles 7 Documents
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Search results for , issue "Vol 5, No 2 (2020): Desember 2020" : 7 Documents clear
PERAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DALAM PENGEMBANGAN UMKM DI INDONESIA Abdul Aziz; Iis Nur’aisyah; Leonita Silvyna Dora; Kholishoh Kholishoh
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 5, No 2 (2020): Desember 2020
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v5i2.7023

Abstract

     ABSTRAC The object of research is the Islamic People's Financing Bank in Indonesia, where the source of the data is obtained from the Financial Services Authority (OJK) website. The type of data used is secondary data in the form of evidence, notes, or historical reports that have been neatly arranged in the archives using literary, documentary, discussion, and subjective-intuitive study techniques. Based on the results of the study showed that the BPRS has implemented good management between the ratio of deposits to financing, especially intended for MSMEs. In this MSMEs financing, MSMEs is trusted by the public by reflecting the amount of financing which has increased every year. This can also be seen with the increasing number of MSMEs each year in Indonesia. Keywords: Role of Islamic Bank; Sharia Financing Bank; UMKM. ABSTRAKObjek penelitian ini yaitu Bank Pembiayaan Rakyat Syariah di Indonesia yang sumber datanya diperoleh dari website Otoritas Jasa Keuangan (OJK). Jenis data yang digunakan adalah data sekunder berupa bukti, catatan, atau laporan historis yang telah tersusun rapi dalam arsip dengan menggunakan teknik studi literatur, dokumenter, diskusi, dan intituitif-subjektif. Berdasarkan hasil penelitian menunjukkan bahwa  BPRS telah menerapkan manajemen yang baik antara rasio DPK terhadap pembiayaan khususnya diperuntukkan kepada UMKM. Dalam pembiayaan UMKM ini, BPRS dipercaya oleh masyarakat dengan tercerminnya jumlah pembiayaan yang setiap tahunnya mengalami peningkatan. Hal ini juga dapat dilihat dengan meningkatnya jumlah UMKM setiap tahunnya di Indonesia. Kata Kunci: Peran Bank Syariah; Bank Pembiayaan Rakyat Syariah; UMKM.   
PENGARUH SOSIAL BUDAYA TERHADAP PERNIKAHAN DI BAWAH UMUR DI KECAMATAN JATIBARANG KABUPATEN INDRAMAYU Siti Umiroh Jubaedi; wasman wasman; UJANG SYAFRUDIN
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 5, No 2 (2020): Desember 2020
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v5i2.5844

Abstract

 ABSTRACMarriage is generally carried out by adults regardless of profession, religion, ethnicity, poor or rich, living in villages or cities. The age of marriage is too young resulting in an increase in divorce cases due to lack of awareness to be responsible in married life for husband and wife. The phenomenon of underage marriage may occur in various regions. Likewise in Jatibarang District, underage marriage is no longer a strange thing but has become a common thing. more or less gives a perception to the community to marry off their children even though they have not reached the age set by the Law itself.The purpose of this study was to determine the views of the community in Jatibarang Subdistrict, Indramayu Regency on underage marriages, to determine the factors causing underage marriages in Jatibarang Subdistrict, Indramayu District, and to determine the implications of underage marriages in Jatibarang Subdistrict, Indramayu Regency.This research was conducted using qualitative methods or a combination of both in dealing with the sociology of law starting with questions. There are also researchers who have used analytic discourse methods in studying legal texts, or conducted in-depth interviews with judges.The results of this study concluded that the perception of Jatibarang Subdistrict to early marriage was a marriage that was done by someone who was not yet married or mature. Where a woman who has not menstruated or menstruated and a man who has never dreamed of. But it must also be estimated age by looking at his physical condition. Early marriage is agreed upon by the community because it is considered appropriate and is considered an adult if a person has reached the age that is in Marriage Law Number 16 Year 2019.    Keyword:  ABSTRAKPerkawinan pada umumnya dilakukan oleh orang dewasa dengan tidak memandang pada profesi, agama, suku bangsa, miskin atau kaya, tinggal di desa atau di kota. Usia perkawinan yang terlalu muda mengakibatkan meningkatnya kasus perceraian karena kurangnya kesadaran untuk bertanggungjawab dalam kehidupan berumah tangga bagi suami-istri. Fenomena nikah di bawah umur mungkin terjadi di berbagai daerah. Begitu juga di Kecamatan Jatibarang, nikah di bawah umur bukan lagi hal yang aneh tetapi sudah menjadi hal yang biasa. sedikit banyaknya memberikan persepsi terhadap masyarakat untuk menikahkan anaknya meski belum mencapai usia yang ditetapkkan oleh Undang-Undang itu sendiri.Tujuan penelitian ini adalah untukmengetahui pandangan pandangan masyarakat di Kecamatan Jatibarang Kabupaten Indramayu terhadap pernikahan dibawah umur, untuk mengetahui faktor penyebab terjadinya pernikahan dibawah umur di Kecamatan Jatibarang Kabupaten Indramayu, dan untuk mengetahui implikasiperkawinan dibawah umur di Kecamatan Jatibarang Kabupaten Indramayu.Penelitian ini dilakukan dengan menggunakan metode kualitatif atau kombinasi keduanya dalam menangani sosiologi hukum memualai dengan pertanyaan-pertanyaan. Ada juga peneliti yang telah menggunakan metode-metode wacana analitik dalam mempelajari teks-teks hukum, atau dilakukan dengan wawancara yang lebih mendalam dengan para hakim, atau menghabiskan waktu sebagai peneliti lapangan melihat hukum dalam masyarakat.Hasil penelitian ini menyimpulkan,Persepsi masyarakat Kecamatan Jatibarang terhadap pernikaphan usia dini merupakan pernikahan yang dilakukan seseorang yang belum baligh atau dewasa. Di mana seorang wanita yang belum haid atau menstruasi dan laki-laki yang belum pernah mimpi. Tetapi harus juga diperkirakan umurnya dengan melihat kondisi pisiknya. Pernikahan dini disepakati oleh masyarakat karena dinilai sudah layak dan dinilai sudah dewasa jika seseorang sudah mencapai umur yang ada dalam Undang-Undang Perkawinan Nomor 16 Tahun 2019.Kata Kunci: Sosial Budaya; Pernikahan; Bawah Umur   
KAJIAN TENTANG PENERAPAN PRINSIP SYARIAH OLEH BANK SYARIAH DI DAERAH ISTIMEWA YOGYAKARTA Abdul Fatakh
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 5, No 2 (2020): Desember 2020
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v5i2.6630

Abstract

This research aimed to know the consistency of syariah principle implementation by Syariah Bank at Daerah Istimewah Yogyakarta, and the balance of responsibility between creditor and debtor in the case of credit mudharabah financing of customer or problematical financing.This juridical normative and sociological research was based on the bibliography study that supported by field research. The primary and secondary data were used in this study. The method of data collection was random sampling, which conducted by interviewing some respondents then used the qualitative descriptive method to analyses the data.The results of this research pointed that: firstly, it was not really consistent in The Consistency of Syariah Principle Implementation by Syariah Bank at DI. Yogyakarta because the products implementation did not use the classical syariah principle but the standard agreement of Indonesia Bank although it has placed carefulness principle forward; secondly, it was not adequately distributed in implementing of syariah banking products and without the social responsibility to the poor people; thirdly, it had not a special regulation on the syariah banking, therefore the existence of the regulation was not strong enough, because it still used the UU RI No.21 2008, the revision of UU RI. No. 10, 1998, the revision of UU RI, No. 07, 1992 about common banking and the operational regulation was controlled by Indonesia Bank Regulation (IBR), the resolution of civil conflict of banking still based on the certainty of Civil Code; fourthly, the administration financing same as the commonly and conventional bank, and the share of revenue based on the revenue sharing, not profit and loss sharing; fifthly, the responsibility of debtor’ business risk who experienced the problematical mudharabah financing, obliged to overcome the problem until she/he could payback the credit and the profit of revenue share and the creditor responsible to support the effort. When it could not to resave, then the debtor was assumed character risk based on the agreement of two parts, and the responsibility of debtor who character risk should to payback the main capital to creditor as the owner with the share revenue profit, based on the losses which happened because of the willful negligence and everything that opposite to the agreement. When the debtor could not payback the debt, the creditor has a right to sell the guarantee, that functions as the certainty of debtor to repay his/her debt over the mudharabah financing.
STRATEGI MARKETING MIX DALAM UPAYA MENINGKATKAN PENDAPATAN PERSPEKTIF EKONOMI ISLAM Samud Samudera; Syafrudin Ujang
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 5, No 2 (2020): Desember 2020
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v5i2.7116

Abstract

 ABSTRACT The marketing mix is a combination of variables or activities that are the core of the marketing system, variables that can be controlled by the company to influence the reactions of buyers or consumers. These variables or activities need to be combined and coordinated by the company as effectively as possible in carrying out its marketing tasks / activities. The main essence of well-known marketing activities is the marketing mix, which includes the 4Ps (Product, Price, Place, Promotion). The four variables are a combination that has the same role and constitutes one unit to support the company's success. Therefore, product, price, place and promotion can be used by the company concerned to develop a basic corporate strategy which can be used as a reference for the preparation of an effective marketing strategy.The purpose of this study is to determine the marketing mix strategy in an effort to increase income from the perspective of Islamic economics.This research is a field research research used by digging data sourced from field research locations. This research is descriptive qualitative in nature, namely research that is descriptive and aims to obtain a complete picture of something being researched. Keywords: Marketing Mix Strategy; Increase; Income and Islamic Economy.ABSTRAK Bauran pemasaran (marketing mix) merupakan kombinasi variabel atau kegiatan yang merupakan inti dari sistem pemasaran, variabel yang dapat dikendalikan oleh perusahaan untuk memengaruhi reaksi para pembeli atau konsumen. Variabel atau kegiatan tersebut perlu dikombinasikan dan dikoordinasikan oleh perusahaan seefektif mungkin dalam melakukan tugas/kegiatan pemasarannya. Inti utama dari kegiatan pemasaran yang dikenal luas adalah bauran pemasaran (marketing mix), yang mencakup 4P (Product, Price, Place, Promotion). Keempat variable tersebut merupakan kombinasi yang mempunyai peran yang sama dan merupakan satu kesatuan guna menunjang sukses perusahaan. Karena itu product, price, place dan promotion dapat digunakan oleh perusahaan yang bersangkutan untuk menyusun strategi dasar perusahaan yang dapat menjadi acuan bagi penyusunan strategi pemasaran yang efektif.Tujuan penelitian ini adalah untuk mengetahui strategi marketing mix dalam upaya meningkatkan pendapatan perspktif ekonomi Islam.Penelitian ini merupakan penelitian field research digunakan dengan cara menggali data yang bersumber dari lokasi penelitian lapangan. Penelitian ini bersifat deskripstif kualitatif yaitu penelitian yang bersifat memaparkan dan bertujuan untuk memperoleh gambaran yang lengkap tentang sesuatu yang sedang diteliti. Kata Kunci: Strategi Marketing Mix; Meningkatkan; Pendapatan dan Ekonomi Islam.                                  
PENGARUH REAL EARNING MANAGEMENT DAN ECONOMIC VALUE ADDED TERHADAP NILAI PERUSAHAAN DENGAN KUALITAS LABA SEBAGAI VARIABEL INTERVENING (PADA PERUSAHAAN SEKTOR MANUFAKTUR DI BURSA EFEK INDONESIA TAHUN 2014 – 2017) Makmuri Ahdi
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 5, No 2 (2020): Desember 2020
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v5i2.6876

Abstract

This research was conducted to determine the effect of Economic Value Added and Real Earnings Management toward the firm value with Earnings Quality as an intermediary. This research was conducted on manufacturing companies on the Indonesia Stock Exchange in 2014 - 2017. The analytical method used the Two Stage Least Square method (2SLS). This research used SPSS version 23. The result of this research Real Earning Management has a negative and sinificant influence on earnings quality (H0 rejected, H1 accepted). This is showed with a significance value of 0.013 under at a significance level of 5%. Economic Value Added has influence not significant with the confidence level of 89% on earnings quality. Real Earnings Management has not affecton earnings quality with a standardized coefficient beta or a level of influence of 12.3% with the direction of a positive relationship. Earning quality has a positive and significant with a cinfidence level of 99.98% of the firm value. Earning quality has a significant effect on firm value with a standardized coefficient beta or a level of influence of 12.3% with the direction of a positive relationship. Real earning managementhas influence not significant with a confidence level of 17.5% of the firm value. Real earnings management does not affect the firm value with with a standardized coefficient beta or the level of influence of 1.6% with the direction of a positive relationship. Economic value added has a significant effect on the confidence level of 100% of the firm value. Economic value added influences the firm value with aastandardized coefficient betaor an influence level of 31% with the direction of a positive relationship.
REKONTRUKSI UNDANG-UNDANG BPJS DALAM PERSPEKTIF HUKUM POSITIF PADA PASAL 27 DAN 34 UNDANG-UNDANG DASAR 1945 Andi Lala; Tulus Rahayu
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 5, No 2 (2020): Desember 2020
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v5i2.7106

Abstract

  ABSTRACT    Social security is the protection provided by the community for its members for certain risks or events with the aim, as far as possible, to avoid these events which may result in the loss or reduction of a large portion of income, and to provide medical services and / or financial guarantees against the economic consequences of the event, as well as guarantees for family and child support. In short, social security is defined as a form of social protection that guarantees all people to obtain proper basic needs. The Social Security Administering Body (BPJS) for Health is a legal entity established to administer the health insurance program. Social Security Administering Bodies are the fusion of 4 (four) state-owned enterprises into one legal entity, the 4 (four) business entities in question are PT TASPEN, PT JAMSOSTEK, PT ASABRI, and PT ASKES. This Social Security Administering Body is in the form of insurance, later all Indonesian citizens are required to join this program. In participating in this program, BPJS participants are divided into 2 groups, namely those who are able to afford it and those who are less fortunate.This type of research is library research (library research), in the sense that all data sources come from written materials in the form of books, documents, magazines and texts that are related to the topic of discussion through a review of various literature related to research which includes primary, secondary data. , dantertier. The data collected, read.The result of this research is that the legal protection of BPJS Kesehatan participant patients who are hospitalized in terms of regulations has protected their rights both as service consumers, as hospital patients and as BPJS Kesehatan participants. However, in its application there are still deficiencies that cause patient dissatisfaction with services at the hospital, such as the lack of information provided by the hospital to BPJS Kesehatan participants. Keywords: Reconstruction; BPJS; Positive Law; and the 1945 Constitution ABSTRAK Jaminan sosial adalah perlindungan yang diberikan oleh masyarakat bagi anggota-anggotanya untuk resiko-resiko atau peristiwa-peristiwa tertentu dengan tujuan, sejauh mungkin, untuk menghindari peristiwa-peristiwa tersebut yang dapat mengakibatkan hilangnya atau turunya sebagian besar penghasilan, dan untuk memberikan pelayanan medis dan/atau jaminan keuangan terhadap konsekuensi ekonomi dari terjadinya peristiwa tersebut, serta jaminan untuk tunjangan keluarga dan anak. Secara singkat jaminan sosial diartikan sebagai bentuk perlindungan sosial yang menjamin seluruh rakyat agar dapat mendapatkan kebutuhan dasar yang layak. Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan adalah badan hukum yang dibentuk untuk menyelenggarakan program jaminan kesehatan. Badan Penyelenggara Jaminan Sosial adalah peleburan 4 (empat) badan usaha milik negara menjadi satu badan hukum, 4 (empat) badan usaha yang dimaksud adalah PT TASPEN, PT JAMSOSTEK, PT ASABRI, dan PT ASKES. Badan Penyelenggara Jaminan Sosial ini berbentuk seperti asuransi, nantinya semua warga indonesia diwajibkan untuk mengikuti program ini. Dalam mengikuti program ini peserta BPJS di bagi menjadi 2 kelompok, yaitu untuk mayarakat yang mampu dan kelompok masyarakat yang kurang mampu.Jenis penelitian ini adalah penelitian kepustakaan (library research), dalam artian semua sumber data berasal dari bahan-bahan tertulis berupa buku, dokumen, majallah dan naskah yang ada kaitannya dengan topic pembahasan melalui penelaahan berbagai literatur yang berhubungan dengan penelitian yang mencakup data primer, sekunder, dantertier. Data-data yang dikumpulkan, dibaca.Hasil penelitian ini yaitu Perlindungan hukum terhadap pasien peserta BPJS Kesehatan yang dilakukan rawat inap di rumah sakit dari aspek regulasi sudah terlindungi hak-haknya baik sebagai konsumen jasa, sebagai pasien rumah sakit maupun sebagai peserta BPJS Kesehatan. Namun dalam penerapannya masih terdapat kekurangan yang menimbulkan ketidakpuasaan pasien terhadap pelayanan di rumah sakit, seperti kurangnya informasi yang diberikan oleh pihak rumah sakit terhadap Peserta BPJS Kesehatan. Kata Kunci: Rekontruksi; BPJS; Hukum Positif; dan Undang-Undang Dasar 1945      
KEPUTUSAN MAJELIS ULAMA INDONESIA TENTANG PEMIMPIN YANG DIPILIH Rastana Dermayu; Adang Djumhur Salikin; Wasman Wasman
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN EKONOMI DAN HUKUM ISLAM) Vol 5, No 2 (2020): Desember 2020
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v5i2.6103

Abstract

 ABSTRACTThe decision of the Indonesian Ulema Council in 2009 in accordance with Law number 39 of 1999 concerning human rights article 43 and Law number 12 of 2005 concerning Ratification of the Covenant on Civil Civil Rights Article 25. In this case the MUI is moderate. The decision of the Indonesian Ulema Council in 2016 regarding the chosen leader stated QS. Al-Ma'idah verse 51 explicitly forbids making Jews and Christians as leaders and the proposition forbids making non-Muslims as leaders. And scholars are required to convey the contents of surah al-Ma'idah verse 51 as an obligation to choose Muslim leaders and believe in the truth of the contents of surah al-Ma'idah verse 51 as a guide in choosing leaders. That is because the MUI "monopolizes" the interpretation of اَوْلِيَاء with "leaders" only. So prospective leaders who have met the criteria as leaders but are not Muslim then are not leaders who must be chosen.Keywords: abstentions fatwa; MUI version leader; Al-Ma'idah verse 51 MUI interpretation; Ahok Al-Maidah 51. ABSTRAKKeputusan Majelis Ulama Indonesia tahun 2009 sesuai dengan UU nomor 39 Tahun 1999 tentang HAM pasal 43 dan UU nomor 12 Tahun 2005 Tentang Pengesahan Kovenan Hak Sipil Politik pasal 25. Dalam hal ini MUI moderat. Keputusan Majelis Ulama Indonesia Tahun 2016 tentang pemimpin yang  dipilih  menyatakan QS. Al-Ma’idah ayat 51 secara eksplisit melarang menjadikan Yahudi dan Nasrani sebagai pemimpin dan dalil larangan menjadikan non Muslim sebagai pemimpin. Dan ulama wajib menyampaikan isi surah al-Ma’idah ayat 51sebagai wajibnya memilih pemimpin muslim dan meyakini kebenaran isi surah al-Ma’idah ayat 51 sebagai panduan dalam memilih pemimpin. Hal itu karena MUI ‘memonopoli’ tafsir اَوْلِيَاء  dengan “pemimpin-pemimpin” saja. Jadi calon pemimpin yang telah memenuhi kriteria sebagai pemimpin namun tidak beragama Islam maka bukanlah pemimpin yang harus dipilih. Kata kunci: fatwa golput;  pemimpin versi MUI; tafsir Al-Ma’idah ayat 51 MUI; Ahok Al-Maidah 51.

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