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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences
Muhammad Kharazi
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Religion Arts Humanities Economics, Econometrics & Finance Social Sciences

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Analysis of Take Over Financing With Reference To DSN-MUI Fatwa No.31/DSN-MUI/VI/2002 Concerning Hiwalah and DSN-MUI Fatwa No.31/DSN-MUI/VI/2002 Concerning Debt Transfer (Case Study at BSI KCP Sigli Madjid Ibrahim) Muhammad Kharazi; Saparuddin Saparuddin; Sugianto Sugianto
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3824

Abstract

The purpose of this research is to determine the implementation of take over financing at BSI KCP Sigli Madjid Ibrahim and its relevance to the DSN-MUI fatwa No.31/DSN-MUI/VI/2002 regarding hiwalah and DSN-MUI fatwa No.31/DSN-MUI/ VI/2002 regarding debt transfer. The research method used in this research is field research. This research is also included in the category of qualitative descriptive research. The results of the research show that in applying for take over financing at BSI KCP Sigli Madjid Ibrahim, the customer submits a debt transfer request, fills out a form, then analyzes and surveys. After it was approved, then the BSI KCP Sigli Madjid Ibrahim used the al-qardh wa al-murabahah contract and also the al-qardh wa al-ijarah al-muntahiyah bi al-tamlik contract. Then the disbursement of financing funds was made by the BSI KCP Sigli Madjid Ibrahim to pay off the remaining customer debt at the previous bank. The implementation of take over financing at BSI KCP Sigli Madjid Ibrahim in the settlement of debt transfers is in accordance with the DSN-MUI fatwa.
Bail Out Policy Model Comparison of America and England Muhammad Kharazi; Ahmad Aswan Waruwu; Sabri. A. Majid; Rita Handayani; T. Nazaruddin
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3821

Abstract

This research would explain the difference of bailout policy by England and United States of America in facing global financial crisis in 2008. This research use qualitative method and economic political perspectives. This research takes the range of time from 2009 until 2010 where in that year was a condition after buying bailout found by England and United States of America. Bail out is a term used to explain about situation for the bankrupt entity or almost bankrupt, like a company or a Bank by giving a liquid fresh fund injection. It can be said simply that bailout is a direct government intervention in economy. According to Keynes, government intervention is needed in economy minimal in the form ofpolicy. As countries with liberal economy, America and England have different bailout policy orientation to solve Subprime mortgage case. Subprime mortgage case was assumed as a trigger of this financial crisis. Bail out done by America refers to save their corporations and strengthen their economy in the future without damaging the system of liberal they believe. In spite of that England disposed to save their corporations and economy that was to side with the society, to avoid rush and public trust. As a result, England bail out was faster than America in decreasing crisis fluctuation by giving big budgeting. America was not as faster as England in decreasing crisis fluctuation because of the difference of time in giving bail out, bail out’s funding, corporations that should be given bail out, and another obstacle in the parliament.
Co-Authors Ahmad Aswan Waruwu Rita Handayani Sabri. A. Majid Saparuddin Saparuddin Sugianto Sugianto T. Nazaruddin