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SHARIA BRANDING; THE EFFORTS OF THE INDONESIAN ULEMA CPOUNCIL (MUI) TO PROTECT THE COMMUNITY IN E-COMMERCE TRANSACTIONS BY CREATING A SHARIA MARKETPLACE Popi Adiyes Putra; Nurnasrina Nurnasrina; Saufi Saufi
Proceeding International Seminar of Islamic Studies INSIS 3 (February 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

Today e-commerce is progressing very rapidly so that it brings benefits for the community to do business online by utilizing the available marketplace. This progress caused new problems, including the occurrence of fraud under the guise of online buying and selling, the goods received by the buyer are not the same as the goods ordered, the buyer who does not want to pay when the goods are received is not the same as the order, or there are defects in the goods sent, and various problems other. This problem arises because of business ethics that sellers, couriers and buyers do not apply. MUI has a vital role and authority related to sharia, such as issuing halal certificates, issuing fatwas, supervising the implementation of fatwas, providing sharia considerations on products and business behavior of entrepreneurs. To protect sellers, couriers, marketplaces and buyers from these practices. Fraud in e-commerce, then MUI together with the government is expected to make policies on regulating sharia-compliant e-commerce transactions and encourage the government and other private institutions to establish sharia branding, especially for marketplaces such as those in sharia minimarkets, so that in the end, it is hoped that a sharia marketplace will be born.Keywords: e-commerce, halal products, sharia branding, and sharia marketplace
MITIGASI RISIKO: ANALISIS TERHADAP ANTISIPASI RISIKO DALAM PEMBIAYAAN MIKRO SYARIAH POPI ADIYES PUTRA; SAPARUDDIN SAPARUDDIN; NURNASRINA NURNASRINA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 8, No 1 (2023): Januari - Juni 2023
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v8i1.414

Abstract

Risiko terbesar dari penyaluran kredit adalah munculnya kredit macet. Kredit macet tidak bisa dihindari, tapi harus dihadapi lewat pengelolaan risiko kredit macet tersebut. Pengelolaan risiko dilakukan lewat penerapan manajemen risiko. Manajemen risiko pada pembiayaan mikro syariah diterapkan dengan melakukan tahap awal berupa identifikasi risiko, pengukuran risiko, pengendalian risiko dan pengawasan risiko. Setiap potensi munculnya kerugian dilakukan infentarisir, kemudian dianalisis berdasarkan penyebabnya, terus dicarikan cara pencegahan berupa mitigasi risiko. Mitigasi risiko ditujukan untuk mencari pemecahan atas akibat yang memunculkan risiko kerugian atas penyaluran pembiayaan. Mitigasi risiko melahirkan aturan-aturan atau kebijakan dalam bentuk SOP khususnya dalam penyaluran pembiayaan mikro. SOP kemudian dijadikan sebagai “kitab sucinya” pegawai bank dalam menyalurkan kredit, tidak boleh ada yang keluar atau bertentangan dengan SOP yang ada. SOP berisi proses penyaluran pembiayaan, verifikasi berupa analisis pembiayaan atas kelayakan nasabah penerima pembiayaan, pengawasan kredit yang telah disalurkan, dan penyelesaian kredit yang bermasalah. Dalam analisisa pembiayaan diterapkan penilaian kelayakan nasabah lewat character, capacity, capital, cholateral, dan condition of economic. Nasabah yang akan mendapatkan pembiayaan hanya nasabah yang memenuhi unsur-unsur penilai kelayakan berdasarkan 5 C tersebut.