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UANG DAN MONETER ISLAM DALAM SISTEM MONETER GANDA DI INDONESIA Muhammad Nurul Alim; Djaka Suryadi
Jurnal Asy-Syukriyyah Vol. 22 No. 2 (2021): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v22i2.169

Abstract

The Islamic monetary system in the dual monetary system has not been able to avoid the use of conventional banking instruments, namely the fiat money and fractional reserve banking (FRB) system and only the profit-sharing system that can be applied instead of the interest system. The purpose of this study is to analyze money and the role of the Islamic monetary system in the dual monetary system. This study applies qualitative descriptive analysis by literature study. The results show that Islamic monetary with flow concept and economic value of time can play a role in the dual monetary system in Indonesia by encouraging investment, production and distribution, as well as the application of sharia contracts and the imposition of zakat. The research is expected to be useful for the monetary authorities to activate Islamic financial institutions in order to increase their role in the monetary system in Indonesia.
UANG DAN MONETER ISLAM DALAM SISTEM MONETER GANDA DI INDONESIA Muhammad Nurul Alim; Djaka Suryadi
Jurnal Asy-Syukriyyah Vol. 22 No. 2 (2021): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v22i2.169

Abstract

The Islamic monetary system in the dual monetary system has not been able to avoid the use of conventional banking instruments, namely the fiat money and fractional reserve banking (FRB) system and only the profit-sharing system that can be applied instead of the interest system. The purpose of this study is to analyze money and the role of the Islamic monetary system in the dual monetary system. This study applies qualitative descriptive analysis by literature study. The results show that Islamic monetary with flow concept and economic value of time can play a role in the dual monetary system in Indonesia by encouraging investment, production and distribution, as well as the application of sharia contracts and the imposition of zakat. The research is expected to be useful for the monetary authorities to activate Islamic financial institutions in order to increase their role in the monetary system in Indonesia.
DEFAULT MORTGAGE CUSTOMERS THROUGH BANK KPR WITH BUYBACK GUARANTEE DEVELOPER FACILITY IN ISLAMIC ECONOMICS PERSPECTIVE Djaka Suryadi; Muhammad Nurul Alim
I-BEST: Islamic Banking & Economic Law Studies Vol. 3 No. 1 (2024): I-BEST: ISLAMIC BANKING & ECONOMIC LAW STUDIES
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v3i1.497

Abstract

This research aims to determine the buyback guarantee regulatory system and the buyback guarantee working mechanism until the bank makes a buyback guarantee claim to the developer. This research also aims to review buyback guarantee from Islamic perspective. The research method used is qualitative research using closed interviews and observation methods. Based on the research results, the developer has the criteria for potential partners to be able to work together and make agreement rules for both parties and the risks that will be experienced by the Customer, Bank, and Developer. The developer can make an effort before the bank makes a buyback guarantee claim to remind the customer that payment obligations at the bank are in arrears. In Islamic sharia perspective, the buyback guarantee is permitted provided that it is an option, not an obligation. The buyer may sell either to the first seller or another person. This provision is to avoid the prohibited bai’ al-'inah, which leads to prohibited riba transaction. Other Islamic solutions are debt restructuring (rescheduling) and postponement of the debt payment.The research is expected to give Islamic solution before buyback guarantee is executed