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TINJAUAN HUKUM ISLAM TENTANG PELAKSANAAN PINJAMAN DENGAN JAMINAN EMAS PADA PEMBIAYAAN MULIA DI PEGADAIAN SYARIAH Hidayatina, Hidayatina
JURIS (Jurnal Ilmiah Syariah) Vol 15, No 1 (2016)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

This research aimed at figuring out the regulations of Islamic laws in dealing with loans and gold as warranty on Mulia Financing in Islamic pawnshop. To achieve the desired aim, this study employed normative study by applying qualitative approach. Furthermore, conceptual approach which was dealing with multi-agreements in Islamic law was used to figure out the implementation loan using gold as warranty on Mulia Financing in Islamic pawnshop according to Islamic laws. The data of the research were the secondary ones which were obtained from books, internet resources and previous relevant studies and collected through library research. The data were analyzed by means of normative analyisis and study based the available data. The findings showed that the implementations were not suitable with Islamic laws due to the absence of the requirement for the objects of loan. Furthermore, multi-agreement practices which are prohibited in Islam also took place.

KETENTUAN PREMI ASURANSI SEBAGAI JAMINAN TERHADAP PEMBIAYAAN MURABAHAH PADA PERBANKAN SYARIAH Hidayatina, Hidayatina
JURIS (Jurnal Ilmiah Syariah) Vol 14, No 2 (2015)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Murabaha financing is a form of financing which is provided by sharia banking. However, murabaha financing can be granted by Islamic banks only at the risk of default on the part of the customers. Therefore, Islamic banks are allowed to require security to customers. One of the requirements is that the customers should submit a number of insurance premium amounts depending upon how much the ceiling of financing provided to customers, However, the implementation of provisions of the insurance premium is not suitable with the provision of guarantees and insurance concepts in Islamic economy. Such mechanism is not approved by sharia insurance fund forfeited as it is found in conventional insurance. It implies that if the customers of murabaha financing has fulfilled their obligations to pay the mortgage financing (he did not pass up defaults or die), they should get the collateral back since their debts have fully repaid.Kata kunci: premi, murabahah, perbankan syariah

PELUANG DAN KENDALA PENERAPAN TUGAS WILAYAH AL-HISBAH SEBAGAI PENGAWAS PASAR DI PROVINSI ACEH Hidayatina, Hidayatina; Hananan, Sri
JURIS (Jurnal Ilmiah Syariah) Vol 16, No 2 (2017)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

This study aims to analyze the opportunities and constraints in the implementation of the tasks of Wilayatul Hisbah as a market watchdog in Aceh Province. This research uses qualitative method (naturalistic paradigm) with case approach. The result of this research is the opportunity to apply market supervision as part of the task of Wilayatul Hisbah in Aceh by revising the qanun related to the implementation of the WH duties in Aceh. While the obstacles faced are the limitations of Qanun, the lack of understanding of community law, the presence of other market watchdog institutions, and the increasing lack of attention to the economic welfare of WH officers.

KREDIT TANPA BUNGA (AL-QARD AL-HASAN) TEORI DAN REALITA Hidayatina, Hidayatina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 1 (2020): AT-TIJARAH Vol. 2 No. 1 January-June 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Interest-free credit (al-Qardh al-Hasan) is a non-ribawi social fund for Muslims who need help, both productive and consumptive. However, the funds sourced from the philanthropy of muslim benefactors became less maximal due to the lack of awareness from the recipients of al-qard al-hasan funds as well as the absence of supervision and coaching by the fund's management agency. And the financing of al-qard al-hasan which is also a form of Islamic protection against the weak is able to help the government overcome their problems. Keywords: al-Qarh al-Hasan, zakat management institutions, Sharia financial institutions Abstrak Kredit tanpa bunga (al-Qardh al-Hasan) merupakan dana sosial non ribawi bagi umat Islam yang membutuhkan bantuan, baik produktif maupun konsumtif. Namun, dana yang bersumber dari filantropi dermawan muslim menjadi kurang maksimal karena kurangnya kesadaran dari penerima dana al-qard al-hasan serta tidak adanya pengawasan dan pembinaan oleh pengelola dana tersebut. Dan pembiayaan al-qard al-hasan yang juga merupakan salah satu bentuk perlindungan Islam terhadap kaum lemah mampu membantu pemerintah mengatasi permasalahan mereka. Kata kunci: al-Qarh al-Hasan, lembaga pengelola zakat, lembaga keuangan syariah

Overlaping Fungsi Baitul Mal dan Kantor Urusan Agama sebagai Lembaga Pengelola Wakaf (Kritik terhadap Peran Baitul Mal sebagai Lembaga Pengelola Wakaf di Aceh) Hidayatina MA; Ali Muhayatsyah
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 13, No 2 (2019)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v13i2.329-350

Although Aceh Qanun Number 10 of 2007 mandated Baitul Mal as a waqf manager, there was overlapping both in regulation and implementation between the Baitul Mal, KUA and BWI. The purpose of this study is to examine the obstacles and opportunities of Baitul Mal as waqf management institution in developing waqf management in Aceh. The method used is in the form of field research with the normative juridical approach. The results of this study are: a) The obstacles of Baitul Mal as Waqf Managers are: (1) the regulation of waqf management function in Baitul mal does not yet have rules for the management of waqf property; (2) the KUA function is not optimal in managing waqf because it is still limited to administrative issues and the law has not been fully implemented; and (3t The emergence of BWI to take over management of waqf has resulted in many rules and more overlapping of management of waqf; b) Baitul Mal is very likely to manage waqf because of regulation. Even though there are other institutions such as KUA and BWI that also have regulations, autonomously, the Aceh Government still has a strategic place to manage waqf.

TINJAUAN EKONOMI SYARIAH TERHADAP PELAKSANAAN BANTUAN MODAL SPP PNPM-MANDIRI (Simpan Pinjam Perempuan Program Nasional Pemberdayaan Masyarakat Mandiri) Hidayatina Hidayatina; Desi Muliawati
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 1 No 1 (2017): JESKaPe Vol. 1 No. 1 January-June 2017
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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The problem in this research is about the distribution of business capital aid with murabahah system for SPP PNPM-Mandiri in Gampong Murong Samudra District in the form of gold. The formulation of the problem in this research are: 1) how the implementation of the business capital assistance program for SPP PNPM-Mandiri in Gampong Murong Samudra Subdistrict) 2) how the sharia economy review on the implementation of capital assistance program for SPP PNPM-Mandiri in Gampong Murong Samudra subdistrict? is field research (field research) which to belong to qualitative research with the help of qualitative data. The results of this research are: 1) the implementation of business capital assistance for SPP PNPM-Mandiri in Gampng Murong Samudra sub-district using murabaha system in the form of gold in accordance with the amount in accordance with the granted by the UPK SPP PMPM- Mandiri management in Gampong Murong Samudra District . Then the gold is resold, for then the payment is made in installments. And benefits for UPK SPP PNPM is in the form of percentage of the loan amount of 1% every month 2) `Implementation of business capital assistance program SPP PNPM-Mandiri in Gampong Murong Samudra sub-district is not in accordance with Islamic economics, because the contract sale and purchase murabahah in sharia economy should mention the price of origin and profit must be agreed upon by both parties who berakad. And still from the values and principles of sharia economy.

OPERASIONAL KOPERASI ISHLAH DAYAH MALIKUSSALEH PANTON LABU MENURUT PERSPEKTIF AKAD TABARRU’PADA ASURANSI SYARIAH Hidayatina Hidayatina; Muhammad Umar Joni
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 2 No 1 (2018): JESKaPe Vol. 2 No. 1 January-June 2018
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.888 KB)

Koperasi Ishlayah Dayah Malikussaleh Panton Labu is a form of business cooperative. However, operationally it is different from Islamic cooperatives in general. The formulation of the problem is: 1) How is the operation of the Ishlah cooperative in the Dayah Malikussaleh Panton Labu? 2) How is the operation of the Ishlah cooperative in the Dayah Malikussaleh Panton Labu according to the tabarru contract 'perspective on Islamic insurance? While the method used is field research using qualitative research with the help of qualitative data. The results of this study are: 1) the operation of the Ishlah cooperative is divided into 3: a) the existence of principal savings, mandatory savings and voluntary savings collected from each member of the cooperative. b) cooperative funds are managed in the form of kiosks, mini markets and the existence of oil palm plantations owned by cooperatives that are c) The remaining proceeds of the Ishlah cooperative are not shared with cooperative members, but cooperative business development is used, to cover the salary shortages of teachers and employees of Dayah Malikussaleh and for the construction and renovation of the dayah malikussaleh infrastructure. 2) tabarru 'which is in sharia insurance, where the remaining results of the business are not shared with members of the cooperative, but will be used as funds to help fellow members of the cooperative, such as to cover the salary shortages of teachers and employees of dayah Malikussaleh. However, cooperative funds are directly managed by the Ishah cooperative. Unlike the case with tabarru 'funds on insurance that invests in sharia financial institutions, and the profits derived from these investments will be included in the tabarru account.

TINJAUAN EKONOMI SYARIAH TERHADAP PELAYANAN NASABAH PRIORITY BANK SYARIAH MANDIRI CABANG LHOKSEUMAWE Hidayatina Hidayatina; Mutia Siska
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

The basic problem is the implementation of ordinary customer service to priority customers who seem to discriminate between one customer and another customer. The purpose of the research is to find out the implementation of priority customer service at PT. Bank Syariah Mandiri Lhokseumawe Branch and to find out how Islamic economic reviews on priority customer service. This type of research is field research, while the research approach is descriptive qualitative research is research that focuses on words rather than numbers. The sharia economic review of the Priority Customer Service is permitted, because of the hadith of the Prophet Muhammad. BSM also applies sharia economic principles, namely: monotheism, justice, trust and help. But the principle of justice they hold is to place rights in accordance with what has been mandated, namely priority customer rights that have been promised by the bank at the beginning of the agreement.

TINJAUAN EKONOMI SYARIAH TERHADAP STRATEGI BISNIS UNIQ DRINK HEALTHY HERBAL DRINK KOTA LHOKSEUMAWE Hidayatina Hidayatina; Suci Lailatul Laila
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 5 No 1 (2021): JESKaPe Vol. 5 No. 1 January-June 2021
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v5i1.1200

The driving factor for the increased consumption of herbal medicine is the widespread issue of back to nature voiced by the international media. UniQ Drink Healthy Herbal Drink is a contemporary herbal drink from Central Java, which found an innovation with a traditional concept to become modern. The large number of herbal drink enthusiasts has attracted the attention of Mrs. Adis to become an entrepreneur in the herbal drink UniQ Drink Healthy Herbal Drink in the city of Lhokseumawe. The objectives of this research are: To examine the business strategy of UniQ Drink Healthy Herbal Drinks in general and based on a sharia economic perspective? The method used is in the form of field research with a qualitative descriptive approach. The results of this study explain that: a) UniQ Drink's business strategy is in accordance with the production and marketing strategy, in its production strategy the company does not use chemicals and preservatives and its management is still traditional. b) This business has not implemented a business strategy in accordance with Islamic law, including the facts that are not in the packaging label which are not indicators of production and expiration dates and in financial records, but the company always gets out of the amount earned by 20% of the amount obtained to give to the people.

TINJAUAN HUKUM ISLAM TENTANG PELAKSANAAN PINJAMAN DENGAN JAMINAN EMAS PADA PEMBIAYAAN MULIA DI PEGADAIAN SYARIAH Hidayatina Hidayatina
JURIS (Jurnal Ilmiah Syariah) Vol 15, No 1 (2016)
Publisher : Institut Agama Islam Negeri Batusangkar

This research aimed at figuring out the regulations of Islamic laws in dealing with loans and gold as warranty on Mulia Financing in Islamic pawnshop. To achieve the desired aim, this study employed normative study by applying qualitative approach. Furthermore, conceptual approach which was dealing with multi-agreements in Islamic law was used to figure out the implementation loan using gold as warranty on Mulia Financing in Islamic pawnshop according to Islamic laws. The data of the research were the secondary ones which were obtained from books, internet resources and previous relevant studies and collected through library research. The data were analyzed by means of normative analyisis and study based the available data. The findings showed that the implementations were not suitable with Islamic laws due to the absence of the requirement for the objects of loan. Furthermore, multi-agreement practices which are prohibited in Islam also took place.

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