cover
Contact Name
Nil Firdaus
Contact Email
nilfirdaus@iainbatusangkar.ac.id
Phone
+6281266691514
Journal Mail Official
tamwil@iainbatusangakar.ac.id
Editorial Address
IAIN Batusangkar Graduate Program
Location
Kab. tanah datar,
Sumatera barat
INDONESIA
TAMWIL: Jurnal Ekonomi Islam
ISSN : 24769452     EISSN : 27758125     DOI : http://dx.doi.org/10.31958/jtm
Core Subject : Economy,
The Journal serving as a medium for exploring critical thinking on Islamic Economics and Business issues. It is open for all academics, practitioners, intellectuals, and students with the specification of the study of Islamic Economics. Ideas covering research article, conceptual idea, review of the literature, and practical experience. The scope of TAMWIL are limited to islamic economics and business, Islamic financial institutions, Islamic economic law, business ethics, research and present issues.
Articles 67 Documents
EKSEKUSI HAK TANGGUNGAN PERBANKAN SYARI’AH (ANALISIS PERKARA 001/Pdt/Eks/2012/PA.Min DI PENGADILAN AGAMA MANINJAU) Adil Fakhru Roza
Tamwil Vol 3, No 1 (2017)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v3i1.1073

Abstract

This research is a law research (legal research), and the object of the research is a Shari'ah economic case document for case No. 001/Pdt/Eks/2012/PA.Min., in Pengadilan Agama Maninjau. From these studies the authors found that in the process of execution of this case, the court has attempted to implement in accordance with the provisions of the legislations force in Indonesia and the object of the dispute has been submitted to the winner of the auction, executed forced out of the object of execution, although the execution still in debating about the capacity and authority of religious courts in carrying out executions Hak Tanggungan for islamic banking in Indonesia.
PEMBAYARAN REKENING LISTRIK PASCABAYAR DI PT. PLN PERSERO BATUSANGKAR MENURUT UNDANG-UNDANG NOMOR 08 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN DAN HUKUM EKONOMI SYARIAH Gusti Marlina
Tamwil Vol 3, No 1 (2017)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (224.561 KB) | DOI: 10.31958/jtm.v3i1.1074

Abstract

The main problem in this research is Payment of Postpaid Electricity Account at PT. PLN Persero Batusangkar According to law Number 08 of 1999 on consumer Protection and Sharia Economic Law. This study aims to determine whether the system of electricity bill payment at PT. PLN Persero Batusangkar has been in line with the existing laws in Indonesia and the view of Islamic Law. Type of research is field research. Data collection techniques used are observation, interviews, and documentation. Data analysis tecnique is done by data reduction, data presentation, and conclusion. From the research that has been done in the field can be concluded in the Aplication of Law Number 08 Year 1999 About Legal Protection Against Consumers in payment of electricity bill postpaind not in line with Law Number 08 of 1999 on the protection of consumer law contained in article 4 letter c stated that the right to information is correct, clear and honest about the condition and guarantee of goods and/or services. And Payment of Postpaid Electricity Account According to Sharia Economic Law is Gharar because Ujrah paid to PT. PLN Persero Batusangkar is not known value by one of the parties and this is not in line with the terms of Ujrah in Ijarah agreement and not fulfillment of one of the pillars in Ijarah agreement, thus the contract is not valid.
PENYELESAIAN SENGKETA EKONOMI SYARIAH MELALUI BASYARNAS DITINJAU DARI ASAS KEPASTIAN HUKUM, KEADILAN DAN KEMANFAATAN Syams Eliaz Bahri
Tamwil Vol 3, No 1 (2017)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (172.365 KB) | DOI: 10.31958/jtm.v3i1.1075

Abstract

This research was aimed at analyzing the resolution dispute of sharia economic through BASYARNAS in terms of legal certainly, justice, and benefits. BASYARNAS was born as a response to the development of sharia financial institutions. The verdict issued by the arbitration body (BASYARNAS) is final and binding. In this case whether the dispute settlement through BASYARNAS has reflected the value of legal certainty, justice and expediency. This research is qualitative with normative juridical approach, data obtained from literature study and analyzed qualitatively. The results of this research seen the overlapping law that resulted in confusion on the execution of the decision BASYARNAS. The overlapping law esulted in the non-creation of legal certainty and made it difficult for justice seekers.
PELAKSANAAN QARDHUL HASAN DALAM PENDISTRIBUSIAN ZAKAT DI BAITUL QIRADH BAZNAS PROVINSI SUMATERA SELATAN MENURUT HUKUM EKONOMI SYARIAH Gustina Martha
Tamwil Vol 3, No 1 (2017)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (207.131 KB) | DOI: 10.31958/jtm.v3i1.1076

Abstract

This study aims to determine the legal review of the implementation of sharia economy qardhul hasan in the distribution of zakat in Baitul Qiradh BAZNAS South Sumatra Province. This study is a qualitative research using descriptive method of analysis, is to explain or describe the research data will be undertaken. This research was conducted in South Sumatra province BAZNAS by way of interviews and analysis of documents obtained investigators from data provided by BAZNAS South Sumatra Province. The results showed that the implementation of qardhul hasan in Baitul Qiradh BAZNAS South Sumatra province is not in accordance with the principles of muamalah because qardhul hasan funds derived from zakat funds were taken from the poor and routed through Baitul Qiradh using contract qardhul hasan to community groups indigent poor, and there is the addition of loan repayment in the form of donation of Rp. 5,000 each month specified in the contract qardhul hasan. To lend to others must meet in harmony and the terms of which the owner of the property was perfect while Zakat is not wholly owned pengelolah zakat (amil) so that the non-fulfillment of the pillars and the terms shahibul maal (owners of capital) and in qardhul hasan should not be any additional loan repayments with reference to the rules of fiqh "Every debt that is interesting benefit, then he riba".
PENETAPAN WAKAF (ITSBAT WAKAF) DI PENGADILAN AGAMA CILEGON (STUDI PERKARA NOMOR 281/PDT. P/2011/PA. CLG.) Zainal Ridho
Tamwil Vol 3, No 1 (2017)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (187.8 KB) | DOI: 10.31958/jtm.v3i1.1077

Abstract

The purpose of this study was to analyze in depth and juridical consideration of the judge in the settlement process petition of Ithbat Waqf in Islamic court of Cilegon case number 281/Pdt.P/2011/Pa.Clg. Moreover, knowing the validity of nazhir and the position of heir of wakif in case petition of Ithbat Waqf that filed to Religion Court of Cilegon number 281/Pdt.P/2016/PA.Clg. This study was conducted in Islamic Court of Cilegon, using normative or doctrinal research method. Data were collected from the document and copy of the decree of Ithbat Waqf petition number 281/Pdt.P/2016/PA.Clg. and than re-check with interviewing judges who examine the cases and other participants that related with these case. The conclutions of this study, in general, the legal considerations of the judges are compliance with the provisions of applicable law example absolute authority, incidental power, Law of Waqf, writtten and witness evidence, changes allotment of waqf. But the considerations still incomplete because it doesn’t mention clearly the articles that used as the basis for deciding case of Ithbat Waqf, formal and material requirement of evidence, legal standing to litigate in case petition of Ithbat Waqf. Nazhir in this case has legal standing to litigate the petition Ithbat Waqf in Islamic court. And the involvement of the heirs in this case as a witness or as an anticipatory effort at a letter date if there is a dispute over land that has gained egal certainty from Islamic Court.
ANALISIS TINGKAT PENGUNGKAPAN LAPORAN KEUANGAN PEMERINTAH DAERAH (Studi Kasus pada Pemerintah Kabupaten Pasaman Barat) Sri Adella Fitri
Tamwil Vol 3, No 1 (2017)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v3i1.1078

Abstract

In determining the opinion given by BPK, Kabupaten Pasaman Barat obtained an increase in opinion from 2007 to 2011. In determining the opinion given by the CPC in 2007 obtained disclaimer opinion, 2008 disclaimer opinion, 2009 obtained disclaimer opinion, 2010 obtained WDP opinion, and on in 2011 obtained a WDP opinion. Whether by gaining this opinion, the government's financial statements have reflected the report with really good disclosures and whether with the opinion of the West Pasaman district government could change it to be even better or even mediocre. This research is a research using field research research or field research using case study research method at Pasaman Barat Regency Government. The type of research is descriptive analysis because in this research will do an analysis on the level of disclosure of Local Government Financial Report based on the Financial Report of Pasaman Barat Regency Government. The average information disclosure presented in the Local Government Financial Statements per year is quite good, the account details are also quite good, but there are no further standards and rules regarding the breadth of information and account details that should be disclosed in local government financial statements.
PENGARUH PEMBIAYAAN MUDHARABAH TERHADAP PENINGKATAN KEBERHASILAN USAHA NASABAH PADA PT. BPR SYARIAH HAJI MISKIN: PERSPEKTI NASABAH Rici Novika
Tamwil Vol 5, No 2 (2019)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (176.355 KB) | DOI: 10.31958/jtm.v5i2.2279

Abstract

The purpose of this study was to determine the effect of Mudharabah financing on Increasing Customer Business Success at PT. Sharia BPR Haji Miskin: Customer Perspective. The type of research used in this study is associative research which is a research that aims to determine the effect or relationship between two variables. The population in this study were all customers who carried out mudharabah financing at PT. BPR Syariah Haji Miskin. The instrument of this research is a questionnaire. Then data processing is done by SPSS 22.0 with data analysis techniques using simple linear regression. As for the results of the analysis, mudharabah financing has a positive effect on the increase in customer business success at PT. BPR Syariah Haji Miskin. This can be seen from the results of the persial test t test that is the significance value of mudharabah financing is 0.023% small from the 0.05% significance value which means mudharabah financing has an effect on increasing the success of the customer's business. From the result of 20.25% mudaraba against the increase in the success of the customer's business is equal while the remaining 79.75% is influenced by other vaiable that is not examined.
PEMBERDAYAAN EKONOMI KOPERASI BERBASIS SYARIAH PADA KPRI SMAN I KOTA SOLOK Afrizul Afrizul; Zainuddin Zainuddin; Nofialdi Nofialdi
Tamwil Vol 5, No 2 (2019)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (230.834 KB) | DOI: 10.31958/jtm.v5i2.2280

Abstract

Dalam artikel ini ada tiga hal yang  menjadi permasalahan yaitu tentang Bagaimana bentuk-bentuk pemberdayaan, bentuk usaha simpan pinjam dilihat dalam perspektif syariah dan Apa saja Faktor-faktor penghambat dalam pemberdayaan ekonomi berbasis syariah pada KPRI SMAN 1 Kota Solok.Jenis penelitian yang dilakukan adalah penelitian lapangan (field research) dengan menggunakan pendekatan kualitatif. Tujuan penelitian untuk mengetahui bentuk-bentuk pemberdayaan, bentuk usaha simpan pinjam dilihat dalam perspektif syariah dan bentuk factor-faktor penghambat dalam pemberdayaan ekonomi berbasis syraiah di KPRI SMAN I Kota Solok.Teknik pengumpulan data adalah wawancara, dan dokumentasi untuk mendapatkan data-data yang berhubungan dengan masalah yang diteliti, kemudian membaca dan menelaah, selanjutnya menganalisis data yang diperlukan dengan berbagai landasan teori dan terakhir menarik kesimpulan.Hasil penelitian menunjukan bahwa Bentuk-bentuk pemberdayaan berbasis syariah pada KPRI Syariah SMAN I Kota Solok Pertama, koperasi telah dikelola dengan pola syariah Kedua, simpan pinjam dan pembiayaan syariah yang telah diberikan kepada anggota telah mencapai Rp. 70.000.000,- (Tujuh Puluh Juta Rupiah); Ketiga, dengan jasa/ujrah/nisbah/fee sebesar 0,8 yang disepakati dengan anggota dalam setiap simpan pinjam dan pembiayaan syariah Keempat, meningkatkan pemahaman dan kemampuan pengurus dan anggota dalam pengelolaan koperasi dengan pola syariah Kelima, berpartisipasi dalam kegiatan yang dilakukan oleh DEKOPINDA Kota Solok, Dinas Koperasi dan Perindusrtian Kota Solok dan KPRI Pusat di Provinsi Sumatera Barat; Keenam, mendistribusikan dana sosial, reward bagi anak anggota yang berprestasi dan zakat produktif bagi masyarakat sekitarnya.
ANALISIS KINERJA KEUANGAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) SUMATERA BARAT Nasfi Nasfi
Tamwil Vol 5, No 2 (2019)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (230.382 KB) | DOI: 10.31958/jtm.v5i2.2281

Abstract

Pokok permasalahan dalam Tesis ini adalah bagaimana kinerja keuangan bank pembiayaan rakyat syariah Sumatera Barat. Tujuan pembahasan ini untuk mengetahui kinerja keuangan bank pembiayaan rakyat syariah Sumatera Barat,  dianalisis dari aspek financialnya berupa rasio CAR, FDR, NPF,ROA dan BOPO.Jenis penelitian yang penulis gunakan adalah penelitian eksploratif, penelitian ini mengungkapkan penelitian eksploratif secara kuantitatif, data yang diperoleh dianalisis sesuai dengan metode yang digunakan kemudian di interpretasikan. Teknik pengumpulan data yang penulis gunakan adalah dokumentasi dengan cara  pengumpulan data dari website OJK dan BI. Teknik analisis data dengan mengunakan penilaian kesehatan BPRS yang berlaku,  yaitu Keputusan Bank Indonesia  No.9/17/PBI/2007 tanggal  4 Desember 2007, penilaian kinerja BPRS aspek financial berupa CAR, FDR, NPF, ROA dan BOPO.Dari penelitian yang penulis lakukan dapat disimpulkan bahwa rasio CAR, BPRS Sumatera Barat  sebesar 14,27%, dengan penilaian “Sangat Sehat” dengan kriteria , rasio FDR BPRS Sumatera Barat sebesar 75,67%, dengan penilaian “Sehat” dengan kriteria , rasio NPF BPRS Sumatera Barat rata-rata 7,83%, penilaian “Cukup Sehat” dengan kriteria   , rasio ROA BPRS Sumatera Barat rata-rata sebesar 1,34%, dengan penilaian                  “Sehat” dengan kriteria   dan rasio BOPO BPRS Sumatera Barat rata-rata sebesar 92,43%, dengan penilaian “Sangat Sehat” dengan kriteria .
PEMBERDAYAAN EKONOMI KOPERASI BERBASIS SYARIAH PADA KPRI SMAN I KOTA SOLOK Afrizul Afrizul
Tamwil Vol 6, No 2 (2020)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (665.415 KB) | DOI: 10.31958/jtm.v6i2.2667

Abstract

In this article there are three things that become problems, namely about how forms of empowerment, the form of savings and credit business is seen in the sharia perspective and what are the inhibiting factors in sharia-based economic empowerment at the head of KPRI SMAN I Kota Solok. The type of research conducted is field research by using a qualitative approach. The purpose of the research is to find out the forms of empowerment of savings and loan business forms seen in the perspective of sharia what are the inhibiting factors in sharia-based economic empowerment at the head of KPRI SMAN I Kota Solok. Data collection techniques are document and documentation interviews he continued analyzing the data needed with various theoretical basis then read and study. The results of this research shown that Sharia-based forms of empowerment at KPRI Syariah SMAN I Solok City. First, cooperatives have been managed by sharia patterns. Second, savings and loans and Islamic financing that have been given to members have reached Rp. 70,000,000, - (Seventy Million Rupiah). Third, by services / ujrah / ratio / fee of 0.8 agreed with members in each savings and loan and Islamic financing. Fourth, increasing understanding and ability of management and members in managing the cooperative through syariah pattern. Fifth, participating in activities carried out by DEKOPINDA of Solok Regency, at Solok Cooperative and Industry Office and centre of KPRI in West Sumatra Province. Sixth, distributing social funds, rewards for children’s members who have good achievements and productive zakat for the surrounding community.