Pluralism, Fatwa, and Court in Indonesia: the Case of Yusman Roy

The interrelation between Islam, state and pluralism is an unfinished discussion in Indonesia. This paper examines an issue of promoting individual freedom to practice his/her belief, and at the same time not insulting the majority belief in a plural society. It takes the case of Yusman Roy on performing the salah (prayer) in a local language as the subject of analysis in order to identify the fault lines of religion and pluralism, and to consider how best to address them. The paper argues that fatwa and court should not be used as mechanisms to deal with the issue of religion and pluralism. It further argues for an “alternative dispute resolution†in dealing with the plurality of interpretation within Islamic tradition and at the same time maintaining the unity and harmony Islamic communities. It maintains that Roy should have the rights to practice what he believes, but at the same time, a negotiation on how he spreads his ideas outside his schools should take place in order to avoid provocative actions that invite violence

Peranan LKM-A Dalam Mendorong Percepatan Adopsi Teknologi Jagung Di Sumatera Barat

Microfinance Institutions (LKM-A) is a venture capital under the auspices gapoktan. LKM-A growing and evolving through the Rural Agribusiness Development Program (PUAP) with facilitation fund capital gain Rp. 100 million per gapoktan which began in 2008 and continued until 2013. LKM-A were grown in 2008 and 2009 has been developed with venture capital indicators (asset) is over Rp. 150 million. The capital rent to farmers to develop agricultural businesses, one of which corn business. This paper aims to study the expression of the results to identify maize technology adoption rates in the region work Gapoktan/LKM-A in the maize production centers like Limapuluh Kota and Tanah Datar district. Survey conducted in 2012 by taking a sample of 2 Gapoktan per district with LKM-A asset criteria over Rp. 150 million and has been operating 3-4 years. Sample farmers in each region gapoktan 30 people selected randomly, consisting of 15 farmers member of LKM-A and 15 farmers not a member of LKM-A. The data were analyzed by farm analysis and comperative analysis before and after the LKM-A. The result showed that after the LKM-A, maize technology adoption by farmers of members increased compared to before there LKM-A. Before there LKM-A. majority of farmers in Limapuluh Kota District has adopted several major technologies such as (i) seed labeled 70%, (ii) 90.0% of hybrid, (iii) site-specific fertilization 36.7%. Once there LKM-A. turns the main technology adoption increases, respectively, to 100.0%, 100.0% and 90.0%. Adoption of maize technology before there LKM-A. in Tanah Datar, namely (i) the user seed labeled 63.3%, (ii) hybrid 73.3% and (iii) site-specific fertilization 30.0%, and after LKM-A. increased adoption row to be 90.0%, 90.0% and 70.0%. Other technology components also changed for the better. Technology adoption by members LKM-A is also more than the farmers are not members at the same time. Technology improvements to increase corn yields and farm profits and additional economically viable investment for technological improvements by indicators in Limapuluh Kota district MBCR = 2.72 and 1.76 in Tanah Datar district. Conclusion, that the dissemination of the technology needs to be followed by the provision of capital resources in conditions of available technology, is able to accelerate the adoption of technology. Suggested to the stakeholders that are easily accessible sources of capital such as small farmers LKM-A. needs to be developed in rural areas, in order to support the acceleration of adoption of technological innovations and development of agribusiness at farmer level.

Adopsi Teknologi Pengolahan Limbah Pertanian Oleh Petani Anggota Gapoktan Puap Di Kabuapaten Agam, Sumatera Barat

The problem to increase of crops productivity are the scarcity and high price of fertilizer. As a result, farmers do not apply fertilizer technology optimally. The use of agricultural waste by implementing waste treatment technology is helping farmers to substitute chemical fertilizers with organic fertilizers. The study was conducted in Agam district that could potentially apply agricultural waste treatment technology. Study done in June-July 2011 with the aim of measuring the level of waste treatment technology adoption and its benefits in increasing the income of farm families. Survey research methods by taking a random sample of 15 farmers, the program PUAP (Rural Agribusiness Development) implementers on 2 Gapoktan in the two regences. Data analysis was performed using analysis of farm and comparative analysis to see the difference in income between the farm system is not applying with. The study results showed that: (i) Information on wastewater treatment technology has not spread extensively in each area gapoktan; (ii) The control of waste treatment technologies are still weak and low, as evidenced most farmers know the technology but has not been implemented due to not understand the technical implementation; ( iii) The adoption of such technologies for the processing of agricultural waste composting 25-35%, 35-40% of feed processing technology and biogas technology has not been adopted, despite the considerable potential for biogas processing. The benefit is the application of waste treatment technologies in rice cultivation has increased the average yield of 15% and to increase the yield of 20% corn. The crop yield improvement in integrated farming systems, to increase the income of farm families on average 12.90%. Suggested to the parties involved to be made: (i) science and technology capacity building of farmers and extension members Gapoktan PUAP companion, especially on waste treatment technologies for the integration of crops and livestock to be effective. (Ii) Optimization of the utilization of agricultural resources owned by farmers (land and labor) and the arrangement of the combination of commodities to the optimal integrated farming systems, need to be developed in areas of potential gapoktan. In this way the acceleration is expected to increase farmers\u27 income can be achieved, the efficiency of production costs and dependence on mimia fertilizer can be reduced

Tinjauan Akad Murabahah Li Al-amr BI Ashira

This article aim to examine the term of mura>bah}a li al-a>mr bi ashira> (MLAB) is not widely known by practitioners and observers of Islamic economics. MLAB is a term of contemporary fikih that is different from classical mura>bah}a, the difference is not located at the level of the concept, but lies in the procedures performed. The most fundamental difference between mura>bah}a and MLAB is located on the parties to a contract; in MLAB parties directly involved are the sellers, banks and customers as a buyer, while the mura>bah}a parties involved only the seller and buyer. In addition, there is necessity in carrying out the promise of MLAB (wa\u27ad al-mulzim) the sale and purchase of a promise by the bank and the customer. The method of this article is to review the opinion of Islamic scholars in many books and articles, meanwhile the aim of this article is to explain the controversial behind of two contracts such as mura>bah}a, and mura>bah}a li al-a>mr bi ashira>>> in the implementation of Islamic Finance and Islamic Banks

The Comparison of Sound Level of Islamic Banks in Indonesia and Malaysia

In facing of financial integration in the ASEAN Economic community (AEC) by 2020, Islamic banks in Indonesia must have a high level of continuity of operations to ensure business continuity and increase assets rapidly in order to boost market share of Islamic banking in Indonesia. This study was conducted to analyze the soundness comparison of Islamic banks in Indonesia and Malaysia in order to measure the readiness of Islamic banks in both countries. The study uses data of annual financial statements of 10 Islamic banks in Indonesia and 10 Islamic banks in Malaysia in 2012–2014. The results of this study indicate that Islamic banks in Malaysia are relatively better prepared compared to Islamic banks in Indonesia. Islamic banks in Malaysia have more derivative and liquidity instruments, accomodating regulation from the government, low level of non-performing financing (NPF) and the high public attention makes Islamic banks in Malaysia potentially better to compete on the era of financial integration in the AEC in 2020. In contrast, Islamic banks in Malaysia tend to be more sound than the Islamic banks in Indonesia during the period of 2012–2014.     Keywords: capital, assets quality, management, profitability, liquidity, sensitivity of risk

Pengukuran Tingkat Kesehatan dan Gejala Financial Distress Bank Umum Syariah

: Measurement of Financial Soundness and Financial Distress Symptom of Commercial Bank. This study aims to measure, analyze and compare the level of Islamic Banks (BUS) soundness using the CAMELS and the Multiple ECR method. The results of the CAMEL analysis show that the three Islamic banks studied are healthy. However, the results of the MDA analysis suggest that those three banks are categorized bankrupt. This conflicting finding indicates that MDA method is not appropriate to assess commercial banks. This is because the natures of commercial bank as a financial intermediary are much different from those of the company

Liquidity and Capital of Islamic Banks in Indonesia

This study is aimed to analyzed the factors that affect the liquidity and capital of Islamic banks in Indonesia. The method is used multiple linear regression. This result shows that the main problem of Islamic banks in Indonesia is how to increase equity in line with increasing third party fund. Another problem is that Islamic bank face difficulties to find debt for solving liquidity problem due to lack of instruments for liquidity derivative. Therefore Islamic banks rely on third party funds, which are high cost of funds due to time deposit fund, rather than using current deposit and saving deposit fund. Another result, negative coefficient of Gross Domestic Product (GDP) to Quick Ratio (QR) indicate that if macroeconomics of Indonesia is stable and good environment, Islamic banks will expansive the market, meanwhile Islamic banks have now low level of liquidity buffer. This means Islamic banks face high level of risk, if core depositors withdraw money rushly it became defaultDOI: 10.15408/sjie.v6i1.440

Total Factor Productivity and Efficiency Analysis on Islamic Banks in Indonesia

The aims of this study are to measure productivity and efficiency, to analyze factors which affect the level of efficiency and to analyze correlation between productivity and efficiency of Islamic Banking in Indonesia. The objects of this study are 11 (eleven) Islamic Banks (BUS) in Indonesia which are analyzed from the second quarter of 2010 to the third quarter of 2015. The result shows only six of the eleven banks that have a good productivity levels, otherwise for efficiency there are only three banks that efficient enough. Furthermore, the relationship between productivity and efficiency levels that are categorized into 4 (four) quadrants. In quadrant I, three banks have high productivity and efficiency namely Syariah Mandiri, Panin Syariah and Victoria Syariah; quadrant IV two banks in low level of productivity and efficiency namely Mega Syariah and Bukopin Syariah. While the quadrant II namely BCA Syariah, BRI syariah and Muamalat and quadrant III namely BJB Syariah, BNI Syariah and Maybank Syariah required further research to determine the factors that affect the productivity and efficiency relationships that occur

Mendudukkan Status Hukum Asuransi Syariah dalam Tinjauan Fuqaha Kontemporer

Insurance Law in The contemporary Islamic Jurists Reviews. The aim of this article is to explain theinsurance points of view of contemporary Islamic jurists. In the classical fiqh literatures, discussion ofinsurance can not be found except in the book of Rad al Muhtar ‘ala Dar al Mukhtar, this book ispublished by Ibn Abidin Hanafiyah as a Islamic Jurist. The Insurance is allowed by the majority ofcontemporary jurists, namely, insurance ta'awuni based on tabarru (donation), while insurance tijari isnot allowed because it contains elements that are prohibited such as riba and gharar