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<![CDATA[ANALISIS FAKTOR YANG MEMPENGARUHI NON MUSLIM MENJADI NASABAH BANK SYARIAH INDONESIA DI MEDAN ]]>
<![CDATA[Anjur Perkasa Alam, Jureid Lubis]]>
<![CDATA[ Islamic Circle Vol. 2 No. 1 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i1.483
<![CDATA[The purpose of this study is to find out how the influence of facilities, promotions and products of Islamic Bank Indonesia affects non-Muslims to become customers. The sampling method used by the researcher is Non Probability Sampling, which is a technique where every member of the sample in the population has the same opportunity to become a member of the sample. An example of a purposive sampling technique (Judgement Sampling) is a sampling technique based on an assessment of the characteristics of the sample members that is adjusted to the researcher's goals. Based on the research results, the most powerful factors influencing non-Muslims to become customers at Bank Syariah Indonesia are promotions, products and facilities. The first strong influence is promotion with a significance of 0.371, both products 0.528 have a strong influence and the last 0.467 facilities have that influence]]>
<![CDATA[ANALISIS HUKUM EKONOMI SYARIAH TERHADAP AKAD DALAM PROGRAM BPJS KESEHATAN ]]>
<![CDATA[Nur Saniah]]>
<![CDATA[ Islamic Circle Vol. 2 No. 1 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i1.485
<![CDATA[In principle, public health insurance is one of the tasks of the state. Indonesia as a large country has regulated social security in the form of health prevention for the community, manifested in the form of the JKN (National Health Insurance) program organized by the Social Security Administering Body (BPJS). Indonesia as a country with a majority Muslim population, of course, does not accept the decision of the government regulation immediately, one of which is whether the contract in the BPJS health program is in accordance with Islamic law?, because Muslims cannot be separated from their religious rules which regulate in all aspects, including health insurance. To answer this problem, research was carried out, using data collection techniques in the form of documentation of everything related to the research title. After the data was collected, it was analyzed by qualitative analysis using descriptive analysis method. The results of the study found that the contract used by the BPJS health program is allowed as long as the meaning is understood by each party (no gharar) and the existence of mutual blessing (an taradhin) is the main requirement in every muamalah contract, so that it does not result in consuming other people's property in a false way. or not contrary to sharia provisions.]]>
<![CDATA[Kerjasama (Syirkah) Penyedia Jasa Tiket Dengan Penyedia Jasa Transportasi di Panyabungan Dalam Analisis Hukum Islam ]]>
<![CDATA[Asrul Hamid]]>
<![CDATA[ Islamic Circle Vol. 2 No. 1 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i1.486
<![CDATA[Cooperation (syirkah) between CV owners. A ticket service provider with the owner of a transportation service provider on travel transportation in Panyabungan, namely where CV. Maharani Travel with travel car owners divides profits of 70% and 30% for car owners. And CV. Mandiri Taxi divides the profit of 45% for the company and 25% for the car owner and 30% for the driver and if there is an accident or things that are detrimental then from both CVs. the travel stated that the bearer of the loss was the owner of the CV. the largest travel agent and the driver, while the owner of the travel car is not responsible. According to the view of Islamic law on the practice carried out by CV. Maharani Travel with travel car owners and CV. Mandiri Taxi and the owner of a travel car are not appropriate because it should be in a collaboration (syirkah) in addition to fulfilling the requirements and pillars, as well as responsibilities both in terms of profits and losses must be the responsibility of both parties in accordance with their respective capitals that they tasharruf.]]>
<![CDATA[PENGATURAN DAN PENGAWASAN BANK SYARIAH ]]>
<![CDATA[Nur Khotia Harahap, Erpiana Siregar]]>
<![CDATA[ Islamic Circle Vol. 2 No. 1 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i1.489
<![CDATA[Sharia financial institutions were first established, namely Islamic banking in 1991. However, this financial institution has experienced good growth. Seeing the development of Islamic banks so far, which makes sharia principles the main foundation in running their business, it is necessary to have regulatory and supervisory institutions for Islamic banks in order to minimize the occurrence of fraud from various parties that can harm the wider community. The institution that regulated and supervised Islamic banks before 2014 was regulated and supervised by Bank Indonesia, then since 2014 it has been regulated and supervised by the OJK. In addition, Islamic banks are regulated and supervised by the DSN, which then represents the DPS in Islamic banking to supervise the activities of islamic banks in accordance with or not with syriah principles.]]>
<![CDATA[Peran Lembaga Pembiayaan Syariah dalam Mempercepat Pemulihan UMKM di Masa Pandemi ]]>
<![CDATA[Lokot Zein Nasution]]>
<![CDATA[ Islamic Circle Vol. 2 No. 1 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i1.491
<![CDATA[Covid-19 pandemic has not only impacted the health sector, but also social, political, security, and especially the economic sector. Various empirical studies prove that the Covid-19 pandemic has significantly reduced market demand due to social activities and trade transactions. SMEs are one of the most powerful business actors, and a threat to business in the long term. The source of the problem is the low accessibility of financing, including the non-optimal use of sharia financing during the pandemic. how this can be done to find and explore Islamic financing institutions that can be done in the recovery of pandemic MSMEs. Based on a review of the study literature, it was found that Islamic financing has advantages in the form of the principle of risk sharing to overcome the vulnerability of SMEs businesses. Another advantage lies in sharia guidelines that are in accordance with democracy, and the application of the precautionary principle. In Islamic financing, there is no party who benefits above the loss of the other party, and there is no unilateral or repressive treatment to other parties. The advantage it has is that Islamic financing must be conditioned to suit business needs, equipped with an empowerment model as part of the SMEs financing scheme. For this reason, the government needs to encourage the Islamic finance ecosystem as a foundation in developing Islamic financing institutions for the recovery of SMEs during the pandemic.]]>
<![CDATA[ANALISIS PENDAPAT YUSUF QARDHAWI MENGENAI ZAKAT KEKAYAAN INVESTASI ]]>
<![CDATA[Muhammad Ichsan, Erna Dewi]]>
<![CDATA[ Islamic Circle Vol. 2 No. 1 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i1.496
<![CDATA[Investment zakat is a zakat which is the result of wealth exploitation for which is obligatory on the material, this is not because it is traded, but because it is experiencing growth that provides results and business fields to its owners, by renting the material or selling the production. Because investment at this time can bring profits, and can be categorized as assets that grow and develop, So, it is obligatory to pay zakat.Yusuf Qardhawi sets the level of investment zakat to equate it with agricultural zakat, because the results of agricultural land obtained by the owner are no different from the profits of factories, buildings and others. With the determination of the zakat rate of 5% or 10% according to the results of the business and the costs spent.This study uses library research methods, by taking some data from the Qur'an, al-Sunnah and several books of fiqh and other books that have to do with these problems. The technique of extracting subject is by processing, studying books and that are related to the subject matter. The subject collected is then analyzed using descriptive analysis method, is the describe and explain several opinions covering problems related to trying to find the relationship between legal theory and reality.]]>
<![CDATA[MEMAKSIMALKAN POTENSI ZAKAT MELALUI PENINGKATAN AKUNTABILITAS LEMBAGA PENGELOLA ZAKAT ]]>
<![CDATA[Jannus Tambunan]]>
<![CDATA[ Islamic Circle Vol. 2 No. 1 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i1.498
<![CDATA[Increased accountability zakat management institutions are urgently required, as zakat management institutions accountable, will be able to increase confidence muzakki that pay their zakat through zakat management institutions, so that the utilization of zakat can be measured and properly channeled. Increased accountability zakat management institutions can be done through increased supervision and internal control systems.]]>
<![CDATA[Peranan Lubuk Larangan Untuk Meningkatkan Pendapatan Ekonomi Masyarakat Dalam Perspektif Hukum Ekonomi Islam (Studi Kasus Lubuk Larangan Desa Gunung Tua Julu) ]]>
<![CDATA[Martua Nasution]]>
<![CDATA[ Islamic Circle Vol. 1 No. 2 (2020): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v1i2.512
<![CDATA[Abstrak Kearifan lokal merupakan pengetahuan yang eksplisit yang muncul dari periode panjang yang berevolusi bersama – sama masyarakat dan lingkungannya dalam sistem lokal yang sudah dialami bersama – sama. Penelitian ini akan membahas tentang kearifan lokal yaitu peranan lubuk arangan dalam meningkatkan ekonomi masyarakat dalam perspektif hukum ekonomi islam. Sebagai hasil dari penilitian ini bahwa masyarakat di Desa Gunung Tua Julu memiliki kebiasaan membuka lubuk larangan pada setiap lebaran atau hari besar agama. Penghasilan dari lubuk larangan akan dipergunakan sebagian untuk kas desa Gunung Tua Julu sebagai salah satu program desa Gunung Tua untuk meningkatkan pendapatan ekonomi masyarakat. Kata Kunci: Lubuk Larangan, Ekonomi Islam, Pendapatan Abstract Local wisdom is explicit knowledge that emerges from a long period of evolving together with the community and its environment in a local system that has been experienced together. This study will discuss local wisdom, namely the role of lubuk arangan in improving the community's economy in the perspective of Islamic economic law. As a result of this research, the people in Gunung Tua Julu Village have a habit of opening the pit of prohibition on every Eid or religious holiday. The income from the Lubuk Ban will be used partly for the Gunung Tua Julu village treasury as one of the Gunung Tua village programs to increase the community's economic income. Keywords: Lubuk Larangan, Islamic Economics, Income]]>
<![CDATA[- PENGARUH FINTECH TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH: - ]]>
<![CDATA[Sry Lestari , Winda Sari Siregar, Nurul Madaniah Ayla]]>
<![CDATA[ Islamic Circle Vol. 2 No. 2 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i2.549
<![CDATA[This study aims to determine the effect of fintech on the financial performance of Islamic banking listed on the OJK 2021. The data analysis technique used is multiple linear regression with the SPSS application. Based on the results of the analysis, fintech services can improve banking financial performance. Researchers use ROA, BOPO, NPL, to measure financial performance Keywords: Fintech, BOPO, NPF, ROA.]]>
<![CDATA[SISTEM OUTSOURCING DI SUMATERA BARAT PERSPEKTIF HUKUM ISLAM DAN ETIKA BISNIS ISLAM ]]>
<![CDATA[hamdanil]]>
<![CDATA[ Islamic Circle Vol. 2 No. 2 (2021): Islamic Circle ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal ]]>
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DOI: 10.56874/islamiccircle.v2i2.551
<![CDATA[The job vacancies reception in practice with Outsourcing system is seen often not in accordance with the provisions of existing regulations and detrimental to the workers / laborers. Due to the position of workers / laborers tends to be weaker than capital owners. The purpose of this study is to find out the form of employment contracts in Outsourcing system when it is associated with Islamic jurisprudence then to find out the recruitment of employment pattern in Outsourcing system. After that to find out the usage of employment pattern in Outsourcing system and to find out the welfare of employment pattern in Outsourcing system then to reveal the positive and negative impact of job vacancies reception through Outsourcing corporation among capital owners and workers / laborers. For this study, researchers used qualitative method by field research as type. Data Collection Technique that used is interview and documentation. Data was analyzed by descriptive analysis then elaborated. After that data was classified to specific problem aspect and spoken by effective statement. The result of this study is Outsourcing workers / laborers in PT. Andalan Mitra Prestasi Sumatera Barat were matched according Islamic jurisprudence. PT. Andalan Mitra Prestasi Sumatera Barat had instrument that fulfillment the requirement over Islamic contract jurisprudence. Meanwhile according to Islamic business ethic, PT. Andalan Mitra Prestasi Sumatera Barat didn’t run yet the whole of value and basic principle Islamic business ethic.]]>
