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Journal : Journal of Islam and Science

IMPLEMENTATION OF LAW NUMBER 8 OF 1999 CONCERNING CONSUMER PROTECTION IN SHARIA ECONOMIC PERSPECTIVE Kadir, Amiruddin
Journal of Islam and Science Vol 9 No 2 (2022): July-December
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jis.v9i2.31691

Abstract

This study aims to discuss how the application of the law in protecting consumers and from a religious point of view, namely Islamic law. The existence of a consumer protection law is able to regulate the production of business actors so that they do not do things that can harm consumers. It is very worrying because the position of consumers here is very weak, given the lack of consumer knowledge and awareness on each side, both business actors and consumers. This study focuses on the application of UUPK in protecting the rights of consumers, demanding compensation from business actors if consumers are harmed. The method used in this research is library research or literature review, which collects data from the literature and other sources that support and relate to the discussion in this study. The results show that the application of Law Number 8 of 1999 concerning Consumer Protection (UUPK) is in line with Islamic economics, where this law is equally prioritizing the safety and comfort of consumers. In the UUPK it is also emphasized that one of the rights of consumers in article 4 paragraph (c) is the right to correct, clear and honest information regarding the conditions and guarantees of goods and or services, this is also recommended in Islam not to be fraudulent, honest and not prejudice weighing scales or deceiving
Analysis of the level of productive financing at Bank Syariah Indonesia KCP Gowa Kadir, Amiruddin; Susono, Juhasdi; Zulkifli, Zulkifli
Journal of Islam and Science Vol 10 No 2 (2023): July-December
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jis.v10i2.43640

Abstract

Sharia financial institutions are a reflection of the growing desire among individuals for sharia-compliant economic operations. This study aims to find out what factors cause low productive financing at PT. Bank Syariah Indonesia KCP Gowa, the strategy used by PT. BSI in increasing productive financing (mudharabah and musyarakah). The research approach used in this research is descriptive qualitative with data collection methods, namely using observation, interviews and documentation studies. The types of data used in this research are primary data and secondary data. The results of the research show that there have been ups and downs in the growth rate of total productive financing in the last 4 years and there are 5 (five) factors that cause the low level of productive financing (mudharabah and musyarakah), namely crisis of confidence, financing risk, profit sharing, limited to customers who already have business as well as the limited business sectors that are financed and there are several strategies in increasing productive financing (mudharabah and musyarakah) at PT. Bank Syariah Indonesia KCP Gowa, namely education, increasing the capacity of the bank's Micro Head Unit (UHM), collaborating with other partners to provide guidance to debtors, and this guidance must be carried out on an ongoing basis. This is very important for PT. Bank Syariah Indonesia KCP Gowa has the potential to generate profits which will affect the level of profit obtained by the bank.