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All Journal IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan Wawasan : Jurnal Ilmiah Agama dan Sosial Budaya SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Ilmiah Al-Syir'ah Undang: Jurnal Hukum NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam Tasharruf: Journal Economics and Business of Islam Khazanah Sosial ADHKI: Journal of Islamic Family Law Kunuz: Journal of Islamic Banking and Finance Al-Mujtahid: Journal of Islamic Family Law Al-Istinbath: Jurnal Hukum Islam Al-'Aqdu: Journal of Islamic Economics Law
Rosdalina Bukido
Institut Agama Islam Negeri Manado
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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THE INNOVATION OF ISLAMIC INSURANCE AS A SOLUTION FOR PENETRATION Nurul Azizah Azzochrah; Rosdalina Bukido; Sofyan Octavian Tubagus
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1725

Abstract

The penetration of Islamic insurance in Indonesia is not directly proportional to the number of Muslim population in Indonesia. This article aims to look at the causes of the low penetration of Islamic insurance in Indonesia. Literature study is the method used in this article by conducting content analysis, the data used in the form of writing, graphics, pictures and figures sourced from the OJK and the ASEAN Economic survey. The result of this research is the lack of innovation in Islamic insurance which caused the low penetration of Islamic insurance. Islamic insurance penetration can increase with innovation. Social insurance is a manifestation of the mandate of 1945 Constitution of Indonesia Republic which obliges to provide basic protection for all Indonesian people. With the large number of Muslim population in Indonesia, the opportunities for Sharia social insurance innovation can be taken into consideration. Sharia social insurance can be a solution to increasing the penetration of Sharia social insurance in Indonesia. In terms of regulation, the growth of Sharia social insurance can develop. This article has major implications for practitioners, policy makers and regulators.
Negotiating Love and Faith: Interfaith Marriage in Manado, Indonesia Rosdalina Bukido; Edi Gunawan; Djamila Usup; Hayat Hayat
Wawasan: Jurnal Ilmiah Agama dan Sosial Budaya Vol 6, No 1 (2021)
Publisher : the Faculty of Ushuluddin, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (487.718 KB) | DOI: 10.15575/jw.v6i1.11299

Abstract

Interfaith marriages in people's lives have been practised in many areas in Indonesia, even if it's not legally registered. The rule of law in Indonesia does not accommodate interfaith marriages. When interfaith marriage happens, the registration system should follow marriage registration either at the KUA (office of religious affairs) for Muslims or in the Civil Registry office for other religions. This study aims to analyse the practice of interreligious marriage in Manado and how they maintain a good marital relationship between the spouse of different religions. This research employs a qualitative approach by collecting data through interviews with 30 informants who practice interfaith marriages in Manado. The results of this research found that many people in Manado consider interfaith marriage as permissible. They argue that religion is a relationship between humans and God, while marriage is related to human beings. The family of different religions based their relationship on the principle of "Torang Samua Basudara" (we are bound through kinship). Based on this principle, the family avoids using religious symbols in their communication that can cause tension and disrupt harmony among family members. The principle of torang samua basudara is the basis for establishing good communication in the family.
Pengawasan terhadap Bank Tanah: Urgensi, Kewenangan, dan Mekanisme Hasyim Sofyan Lahilote; Irwansyah Irwansyah; Rosdalina Bukido
Undang: Jurnal Hukum Vol 4 No 1 (2021)
Publisher : Fakultas Hukum Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ujh.4.1.191-211

Abstract

The Omnibus Law for Job Creation establishes a special agency called the land bank agency that manages state land, including planning, acquisition, procurement, management, utilization, and distribution of land. This article revisits on how urgent this land bank is and how its supervisory powers and mechanisms are implemented. This article demonstrates that the formation of the land bank is actually related to problems in land acquisition, especially those intended for infrastructure development, which has triggered land liberalization and caused the increase of land price. Therefore, the land bank is urgent to ensure the availability of land for various development purposes in the future, budget efficiency, as well as to avoid conflicts in the land acquisition process and reduce the side effects of land liberalization. In order to encourage the land bank play its role and function as intended in its formation, good and efficient supervision is also needed. So far, it has been stated in the Omnibus Law for Job Creation that internal supervision is carried out by the supervisory board. Taking into account the relationship of the land bank and the supervisory board with other agencies or institutions that carry out the functions of land and bank as well as their supervision, like the one by the National Land Agency and the Financial Service Authority, it is necessary to have clarity on each role and function to avoid overlap. Abstrak UU Cipta Kerja membentuk badan khusus yang mengelola tanah, yaitu badan bank tanah, yang berfungsi melaksanakan perencanaan, perolehan, pengadaan, pengelolaan, pemanfaatan, dan pendistribusian tanah. Dalam artikel ini dibahas apa sebetulnya urgensi bank tanah ini dan bagaimana pula kewenangan dan mekanisme pengawasannya. Artikel ini memperlihatkan pembentukan bank tanah sebetulnya terkait dengan permasalahan dalam pengadaan tanah terutama yang diperuntukkan bagi pembangunan infrastruktur, sehingga memicu terjadinya liberalisasi tanah dan mengakibatkan harga tanah melambung tinggi. Karena itu, bank tanah urgen dalam rangka menjamin ketersediaan tanah untuk berbagai keperluan pembangunan di masa yang akan datang, efisiensi anggaran, serta mengurangi konflik dalam proses pembebasan tanah dan dampak buruk liberalisasi tanah. Dalam rangka mendorong agar bank tanah berperan dan berfungsi sebagaimana dikehendaki dalam pembentukannya, maka diperlukan pengawasan yang baik dan efisien pula. Sejauh ini dalam UU Cipta disebutkan pengawasan dilakukan secara internal oleh dewan pengawas. Dengan mempertimbangkan adanya keterkaitan bank tanah dan dewan pengawas ini dengan badan atau lembaga lainnya yang menjalankan fungsi pertanahan dan bank serta pengawasannya juga, misal Badan Pertanahan Nasional dan Otoritas Jasa Keuangan, maka adanya kejelasan terhadap masing-masing peran dan fungsi sangatlah diperlukan, agar tidak malah terjadi tumpang tindih.
Pertimbangan Hakim terhadap Perceraian Akibat Nikah Dini Masyarakat Manado Rosdalina Bukido; Dedi Setiawan; Misbahul Munir Makka
NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam Vol 8 No 1 (2022): NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/nukhbah.v8i1.474

Abstract

The phenomenon of divorce in early marriage often occurs in the Manado Religious Court, where there are 5 cases of divorce lawsuits at an early age. This study aims to show the factors that cause divorce in early marriage in the eyes of the judges of the Manado Religious Court. This research method is qualitative which focuses on field research. Data obtained at the Manado Religious Court in the form of reasons for divorce due to early marriage, both from the results of the decision and interviews with the judges of the Manado Religious Court. The results found are that divorce in early marriage at the Manado Religious Court is caused by several factors, namely bickering, irresponsibility, bad habits and a third person. Through the judge's consideration, that of all the factors that emerged led to quarrels, continuous quarrels and ended in divorce. So the judge judged that if you were to marry, it would be better to mature yourself as well as possible so that when problems occur in the household, they can be resolved properly without taking the divorce route.
The Peer-to-Peer Lending Phenomenon: A Review from Islamic Economic Perspective Telsy Fratama Dewi Samad; Rosdalina Bukido
Khazanah Sosial Vol 4, No 1 (2022): Khazanah Sosial Vol 4, No 1 April 2022
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (305.251 KB) | DOI: 10.15575/ks.v4i1.16747

Abstract

This paper aims to describe P2P lending from the viewpoint of Islamic economics as well as enclose the illegal p2p lending phenomenon in Indonesia, and the emergence of p2p lending in Europe and China. This research used a qualitative method, while the data obtained through literature review, and the analysis technic used in this research is descriptive analysis. This paper depicts the issues of p2p lending in global cases and the illegal p2p lending that occurred in Indonesia. The result of this paper disclosed that recently the cases of illegal p2p lending in Indonesia have increased. Albeit the p2p lending provides mashallah concerning to the convenience that it serves to society to obtain loans easily, on the other hand, few perpetrators exploit this media by conducting fraud due to the transaction. Thus, based on the Islamic Economic viewpoint, p2p lending is allowed if only following the principles of Islamic economics and cause no harm to anyone who gets involved in the transaction. Furthermore, Otoritas Jasa Keuangan in Indonesia has guaranteed some p2p lending legal companies which are operating based on Islamic principles. We concluded that, in Islam, it is allowed to conduct p2p lending transactions by using shariah legal p2p lending provided by Otoritas Jasa Keuangan (OJK).
IMPLEMENTASI AKAD MURABAHAH PADA PEMBIAYAAN PENSION DI BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU MANADO KAIRAGI Fahri Suratinoyo; Rosdalina Bukido; Andi Mukarramah Nagauleng
Kunuz: Journal of Islamic Banking and Finance Vol 1 No 1 (2021)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (273.549 KB) | DOI: 10.30984/kunuz.v1i1.19

Abstract

Penelitian ini bertujuan untuk mengetahui implementasi akad murabahah pada pembiayaan pensiun di Bank Syariah Mandiri KCP Manado Kairagi sudah sesuai dengan fatwa MUI atau belum. Penelitian ini menggunakan metode penelitian kualitatif, yang mana peneliti akan menguraikan atau menggambarkan mengenai implementasi akad murabahah pada pembiayaan pensiun di bank Syariah mandiri KCP Manado Kairagi. Berdasarkan hasil penelitian, implementasi akad murabahah pada pembiayaan pensiun di bank Syariah mandiri KCP Manado Kairagi telah mengatur syarat dan ketentuan yang dibutuhkan ketika akan mengajukan pembiayaan pensiun pada PT Bank Syariah mandiri KCP Manado Kairagi. Dalam pembiayaan pensiun ini harus terbebas dari riba, gharar, maisyir dan juga harus halal.
Analisis Kepuasan Nasabah Pengadain Syariah: Bukti Empiris dari Shopping Center Manado Elsita Mayaranti Radja; Sukmawati Muarif; Rosdalina Bukido
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 1 (2022): Vol2 No 1 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (437.296 KB) | DOI: 10.30984/kunuz.v2i1.185

Abstract

Penelitian ini bertujuan untuk menguji pengaruh kualitas pelayanan karyawan terhadap kepuasan nasabah di unit Pegadaian Syariah (UPS) Shopping Center Manado. Metode yang digunakan metode kuantitatif deskriptif, dimana data yang dikumpulkan adalah respon nasabah (95 responden) Unit Pegadaian Syariah (UPS) Shopping Center Manado dengan menggunakan teknik pengumpulan melalui Observasi dan Kuesioner. Teknik Analisis data yang digunakan adalah regresi linear sederhana dan data penelitian ini diolah menggunakan SPSS versi 25. Hasil penelitian menunjukkan bahwa kualitas pelayanan Pegadaian Syariah berpengaruh dan signifikan terhadap kepuasan nasabah dibuktikan dengan uji korelasi product moment yang memperoleh hasil 0,702 >0. Maka Ho ditolak dan Ha diterima. Berdasarkan hasil uji koefisien determinasi diketahui nilai R2 (R Square) 0,493 atau sekitar 49,3%. Hal ini berarti bahwa pengaruh variabel independen terhadap variabel dependen adalah sebesar 49,3%. Sedangkan, sisanya 51,7% dijelaskan oleh variabel lain yang tidak diteliti dalam penelitian ini. Sehingga Variabel Independen (Kualitas Pelayanan) berpengaruh signifikan terhadap Variabel Dependen (Kepuasan Nasabah).
Pernikahan Baru Tanpa Akta Cerai Rosdalina Bukido; Christofer Visal Solang; Ridwan Jamal; Misbahul Munir Makka; Faradila Hasan
NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam Vol 5 No 2 (2019): NUKHBATUL 'ULUM: Jurnal Bidang Kajian Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/nukhbah.v5i2.88

Abstract

This study explains that Paradigms are a concept of thought that is acquired in certain problems or cases so that the delivery can be understood and understood, the problem being examined is the main factor of divorce what happened to the community, not through the judiciary and the role of Islamic religious instructors in responding to the new marriage process in the community of the Buku Raya village in the Belang District that did not have proof of divorce. The researcher approached qualitative research (case study) in order to obtain data in the field validly and aimed to describe and analyze critically what happened in the field so as to produce data that the role of Islamic religious instructors in providing understanding to society must be truly understood by the community itself so that they are not easy to make decisions, and religious educators are also present from people who have good religious understanding. This research is expected to be able to provide advice and thoughts to the Community and the Government specifically the Ministry of Religion in selecting and sorting extension workers in the religious affairs office.
Harmonization of customary and Islamic law in the gama tradition of the muslim Mongondow community of North Sulawesi Rosdalina Bukido; Nurlaila Harun; Edi Gunawan; Rahman Mantu
Ijtihad : Jurnal Wacana Hukum Islam dan Kemanusiaan Vol 22, No 2 (2022)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijtihad.v22i2.239-254

Abstract

Gama in the Mongondow Muslim community is considered mandatory to determine a marriage’s validity. Therefore, this study aims to examine in depth the relevance of customary and Islamic law to the tradition of gama in the Muslim community of Mongondow, North Sulawesi. The study was conducted in the Bolaang Mongondow area of North Sulawesi using a juridical-sociological approach. Data were collected using observation, interviews with traditional and religious leaders, as well as document study. The steps in data processing include data collection, presentation, reduction, and verification. Furthermore, analysis was carried out using the concept of urf and receptie a contrario. The results showed that even though the gama tradition predates the arrival of Islam in Bolaang Mongondow area, its implementation has Islamic values, otherwise known as urf shahih. The community upholds the noble values of traditions passed down by their ancestors. Islam teaches that the gama tradition has a symbol of respect for women. This indicates that customary and Islamic law play a joint role in shaping the life of the Bolaang Mongondow people. Conclusively, respect for the existence of women is a noble value in the Customary law of the Mongondow people.
Pemmali Culture in Bugis Community versus Law Enforcement of Age of Marriage in the Religious Courts Aris Aris; Rosdalina Bukido
Jurnal Ilmiah Al-Syir'ah Vol 20, No 2 (2022)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v20i2.2056

Abstract

This study aims to explore the law enforcement of age of marriage in Bugis community, Islamic law and national law, and pemmali culture as one of the most crucial reasons for marriage dispensation. This study method used a sociological juridical research with normative and formal juridical approaches, socio-anthropological and case studies. Data analysis techniques used positivist theory of legal system, law enforcement, and sociology of legal system. The results showed that the enforcement of age of marriage in Bugis community does not have an age standard determination unless the daughter is menstruating, the application of pemmali culture causes daughter to become victims of underage marriages, they are blind to knowledge of age of marriage in Law Number 16 of 2019. The application of marriage age for children are still debated by the majority of fiqh scholars as long as girls have not menstruated, they do not question child marriage if it is menstruating, but Indonesian national law there is no way to legalize child marriage before getting a marriage dispensation. Pemmali culture can be determined as one of the reasons for the sharp increase in marriage dispensations in Religious Courts due to the mindset of parents in Bugis community when their daughters are underage and are proposed three times by men. A mayor implication of these findings is to reduce the amount of marriage dispensation recommended the next research on the effectiveness of socialization of Law Number 16 of 2019.
Co-Authors Ahmad Zakie Syawie Andi Mukarramah Nagauleng Aris Aris Celia Amanda Putri Chadijah Haris Christofer Visal Solang Dedi Setiawan Djamila Usup Edi Gunawan Edi Gunawan Elsita Mayaranti Radja Fahri Fijrin Kamaru Fahri Suratinoyo Faradila Hasan Faradila Hasan Hasyim Sofyan Lahilote Hayat Irwansyah Irwansyah Lusyana Warso Misbahul Munir Makka Muhammad Alwi Muhammad Arief Ridha Rosyadi Muhammad Fikri Asnawir Nurlaila Harun Nurul Azizah Azzochrah Rahman Mantu Ridwan Jamal Ridwan Jamal Rizky Ayub S. Biya Sofyan Octavian Tubagus Sukmawati Muarif Telsy Fratama Dewi Samad Yasin Yasin Zulkarnain Suleman