Relevansi Religiusitas Dengan Perilaku Konsumsi

Religiosity in every researchs admitted has related with economic behaviour. Wich related to others or personally. This research discuss about the relevance of religiosity to consumption behaviour, using library research. From this research can be concluded that religiosity will affect consumption behaviour, one of them is consumer behaviour. The more religiosity, then the consumption behaviour applied is the more advantages and the good consumption behaviour.

PERANAN KEBIJAKAN FISKAL DALAM SEBUAH NEGARA

Fiscal policy is an important component of public policy. Public policy is a tool to  achieve the welfare of human life. Fiscal policy is the adjustment in the income and expenditure of government asset out in the budget revenue and expenditure is shortened state budget to achieve the desired economic stability is generally setin the development plan. In Islam fiscal policy include the material and spiritual well-being based on moral values.The roleof fiscal policyin general is for the allocation of natura lresources, the distribution of income and economic stability, but in Islam there are differences in fiscal commitments with three additional roles that establish economic equality, forbids the paymentof interestand help the local economy is less developed. Policies can be done with development accompanied by justice and stability

MEKANISME PEMBIAYAAN PADA PRODUKSI GULA KELAPA DI KECAMATAN ILIR TALO KABUPATEN SELUMA (Studi Terhadap Pelaksanaan dan Pengembangan Produsen Gula Kelapa)

This paper represents a financing mechanism that uses mudaraba and qardh contracts. The writing of this paper is motivated from academic anxiety in looking at the financing mechanism in the existing economic system in Ilir Talo district Seluma district on the aspect of the system of financing the production of palm sugar. In his discussion discusses the meaning of Baitul Maal Wattamwil (BMT) as well as the stages of its establishment, mudaraba and qardh, mudharabah and qardh financing schemes, financing calculation system using mudharabah and qardh contracts and appropriate financing analsis to solve the problems of economic system in sub district Ilir Talo Seluma district. And concluded that the appropriate financing system for the state of the existing economic system in the district Ilir Talo Seluma district with the qardhul hasan contract. And provide recommendations to establish a sharia financial institution in the form of BMT as the savior of the community economy.Keyword: BMT, Mudharabah, Qardh, Ilir Talo Distric

STUDI KEDUDUKAN DAN PERAN DEWAN PENGAWAS SYARI’AH DI KOPERASI SYARI’AH

Law no. 1 Year 2013 on Microfinance institutions has given option for Baitul Maal and Shari'ah cooperatives to determine their legal umbrella if their business is engaged in Financial Services regulator is the Financial Services Authority, but if they choose to become a regular Shari'ah cooperative then they under the regulator of the Ministry of Cooperatives and UMKM. The position of the Sharia Supervisory Board is very clear because it is within the institutional structure of Shari'ah cooperatives, it's just that the rules that exist about the implementation of the supervisor still require clear and detailed guidelines. While the role of the Supervisory Board of Shari'ah in supervising the implementation of Shariah principles in the Cooperative there are several things that must be emphasized and made more detailed and detailed guideline

FAKTOR-FAKTOR YANG MEMPENGARUHI KEPERCAYAAN LEMBAGA KEUANGAN SYARI’AH BENGKULU TERHADAP ALUMNI JURUSAN EKONOMI ISLAM IAIN BENGKULU DALAM REKRUITMEN TENAGA KERJA

This paper is motivated by the problems of the development of sharia financial institutions are growing rapidly in the city of Bengkulu, impact on the needs of human resources are not small, but after the author observe very little of the Department of Islamic Economics or Muamalah Department who work in Islamic financial institutions. The type of research used is the type of qualitative research, aiming to describe the systematic and factual, by examining the phenomenon of emperis in detail. The results of this study found that there is the same recognition for graduates of the Department of Islamic Economics and other Departments, and there are no exceptions for Islamic Economics majors in taking the test in Islamic financial institutions both banks and non-banks, because all of these agencies accept applications from all Majors. There are two factors that influence the level of confidence of sharia financial institutions bengkulu to graduates majoring in Islamic Economics IAIN Bengkulu, that is: a). External Factors, that is: Curriculum, Index of achievement komulatif, Accreditation of study program. b). Internal Factors ,that is: Insights general knowledge, keIslaman, kesyari'ahan, Soul marketing and managerial, professional and confident, advanced and developing mindset, able to utilize Technology, Good Attitude and Performance, Integrity and high spirit. While the competence must be owned by a graduate of the Department of Islamic Economics is Cognitive Competence, ie science and skills, Personality and Attitude Competencies, Social and Communication Competencies, Professional Competencies.Keywords: Rekruitmen Tenaga Kerj

PRAKTIK RETO TUO SEBAGAI WAKAF AHLI PERSPEKRTIF HUKUM ISLAM DAN HUKUM POSITIF (Studi di Provinsi Bengkulu)

ABSTRAK Praktik Reto tuo adalah tradisi di Provinsi Bengkulu tentang harta waris yang tidak dibagi tetapi dimiliki dan dimanfaatkan bersama oleh ahli waris sesuai amanah orang tua. Dengan menunjuk salah satu anak sebagai pengelola. Dalam perjalanannya praktik Reto tuo sebagai wakaf ahli ini tidak berjalan sesuai harapan orang tua, terjadinya konflik antar saudara, terbengkalainya aset Reto tuo, menimbulkan masalah yang membutuhkan payung hukum secara formal. Oleh sebab itu dalam penelitian ini dirumuskan tiga rumusan masalah berikut ini:1. Bagaimana praktik Reto tuo sebagai wakaf ahli dan dampaknya pada masyarakat Provinsi Bengkulu?2. Bagaimana tinjauan Hukum Islam terhadap praktik Reto tuo sebagai wakaf ahli pada masyarakat Provinsi Bengkulu? 3. Bagaimana rekonstruksi hukum Reto tuo sebagai wakaf ahli perspektif Hukum Islam dan Hukum Positif dalam konteks pembaruan Hukum keluarga Islam di Indonesia? Penelitian ini adalah penelitian kualitatif bersifat naturalistik dengan beberapa pendekatan yaitu: normatif, sosiologis, yuridis dan komparatif. Sumber data primer peneliti dapatkan dari hasil wawancara dengan informan penelitian, sedangkan data skunder berasal dari kitab- kitab Fikih dan hadis, buku-buku, jurnal penelitian, artikel dan dokumen yang berkaitan dengan penelitian ini. Analisis data dalam penelitian ini menggunakan model analisis Miles dan Hiberman, dengan empat tahap yaitu: Pengumpulan data, reduksi data, display data dan penarikan kesimpulan. Berdasarkan analisis data penulis menyimpulkan: 1. Praktik Reto tuo sebagai wakaf ahli di Provinsi Bengkulu adalah pemanfaataan secara bersama harta warisan yang tidak dibagi, berupa rumah tuo, sawah, kebun, perhiasan atau harta benda lainnya. Reto tuo dikelola oleh anak yang ditunjuk orang tua ketika masih hidup atau atas kesepaktan ahli waris. Praktik ini berdampak positif dan negatif bagi masyarakat Provinsi Bengkulu. 2. Ditinjau dari Hukum Islam, praktik Reto tuo bertujuan menjagaharta (hifẓ al-mȃl). Hifẓal-mȃl dalam praktik Reto tuo dapat dilihat dalam dua bentuk maslahah yaitu ḍarūriyat dan hajiyat3. Rekonstruksi hukum praktik Reto tuo dalam perspektif Hukum Islam hendaknya praktik Reto tuo sebagai wakaf ahli di Provinsi Bengkulu dilaksanakan sesuai dengan syarat dan rukun wakaf ahli dalam hukum Islam. Perspektif Hukum Positif adalah: Hendaklah praktik Reto tuo sebagai wakaf ahli di Provinsi Bengkulu, dilaksanakan berdasarkan peraturan yang berlaku. Rekonstruksi hukum Reto tuo sebagai wakaf ahli dilakukan dengan memisahkan pengaturan wakaf khairi dengan wakaf ahli dalam pasal yang berbeda, meliputi: Pelaksanaan, pencatatan atau administrasi, pengelolaan aset dan penyelesaian sengketa wakaf ahli. ivABSTRACT Reto tuo is the tradition of the people of Bengkulu Province regarding inheritance which is not shared but owned and utilized jointly by the heirs according to the mandate of the parents. By appointing one of the children as manager. In the course of the practice of Reto tuo as an expert waqf, it did not go according to the expectations of the parents, conflicts between siblings, the abandonment of Reto tuo's assets, created problems that required a formal legal umbrella. Therefore, in this study the following three problem formulations are formulated:1. How is Reto tuo's practice as an expert waqf and its impact on the people of Bengkulu Province? 2. How does the maqāṣi ays-syar a review Reto tuo practice as an expert waqf in the people of Bengkulu province? 3. How is the reconstruction of Reto tuo law as a waqf expert in the perspective of Islamic law and positive law in the context of reforming Islamic family law in Indonesia? This research is a qualitative naturalistic research with several approaches, namely: normative, sociological, juridical and comparative. The primary data sources for researchers were obtained from interviews with research informants, while secondary data came from books of fiqh and hadith, books, research journals, articles and documents related to this research. Data analysis in this study used the Miles and Hiberman analysis model, with four stages, namely: data collection, data reduction, data display and drawing conclusions.Based on the data analysis, the authors conclude: 1.Reto tuo's practice as an expert waqf in Bengkulu province is the collective use of undivided inheritance, in the form of tuo houses, rice fields, gardens, jewelry or other assets. Reto tuo is managed by children appointed by their parents when they are still alive or on the agreement of an heir. This practice has a positive and negative impact on the people of Bengkulu province.2. In terms of maqāṣi asy-syar a , practice Reto tuo aimed at safe guarding property (hifẓ al-mȃl). Hifẓ al-mȃl in Reto tuo practice is seen in two forms of maslahah, namely ḍarūriyȃt and ȃjiyȃt. 3. Reconstruction of Islamic law in the practice of Reto tuoFrom the perspective of Islamic law, Reto tuo should practice as expert waqf in Bengkulu province in accordance with the terms and conditions of expert waqf in Islamic law. The positive legal perspective is: Should the practice of Reto tuo as an expert waqf in Bengkulu province, be carried out based on the applicable regulations. The legal reconstruction of Reto tuo as expert waqf is carried out by separating the arrangement of wakaf khairi from expert waqf in different articles, including: Implementation, recording or administration, asset management and expert endowment dispute resolution. vصخلم نكلو تيلدا ةثرو ىلع وعيزوت متي لا يذلا ثايرلدبا قلعتي اميف ولوكجنب ةظفالز ناكسلديلقت وى )Retotuo( ووت وتير دحأ ينيعتب )ثرّولدا( نيدلاولا ةيّصول اقًفو ةثرولا لبق نم دعب اميف مدختسيو كترشم لكشب ةثرولا لىإ وتيكلم تلقتنا لصتح دقف ،ثرولدا وعقوتي وأ هديري الد اقًفو روملأا يرست لا دقةثوروم ةيدهكووت وتير ةسرالش قايس في .ول ًرا يدم ءانبلأا لكاشلدا هذى ثم نمف ،ووت وتير )لاومأ(لوصلأ لاهملإا لىإ كلذ يدؤيو نايحلأا نم يرثك في ءاقشلأا ينب تاعازنلا .1:ةيلاتلا ثلاثلا لكاشلدا غيص ةغايص ةساردلا هذى في تتم كلذ ىلع ةولاع .لتح تىح ةيسمر ةينوناق ةلظم بلطتت ةعيرشلا دصاقم رظن ةهجو يى ام .2 ؟ولوكجنبةظفالز ناكس ىلع هيرثتأو يلىأ فقوك ووت وتير ةسرالش متت فيك روظنم نم يلىأ فقوك ووت وتير نوناق ءانب ةداعإ متت فيك .3؟ولوكجنبةظفالز عمتلر يفيلىأ فقوك ووت وتير ةسراملد ؟ايسينودنإ في )ةيصخشلا لاوحلأا( يملاسلإا ةرسلأا نوناق ديدتج قايس في يعضولا نوناقلاو ةيملاسلإا ةعيرشلا رداصم ىلع لوصلحا تمو .نراقمو ،نيوناق ،يعامتجا ،يرايعم :يى جىانم ةدع ول يعيبطيعون ثبح وى ثحبلا اذى ثيداحلأاو وقفلا بتك نم ةيوناثلا تناايبلا تءاج امنيب ،ثحبلا يبرلس عم تلاباقلدا نم ينثحابلل ةيلولأا تناايبلا هذى في تناايبلا ليلحتلثحابلا مدختسا .ثحبلا اذبه ةقلعتلدا قئثاولاو تلااقلداو ةيثحبلا تلالمجاو بتكلاو ةيوبنلا تناايبلا ليلقتو تناايبلا عجم :يىو ولحارم عبرأ عم )Hiberman( نامبريىو )Miles( زليام ليلتح جذونم ةساردلا .جئاتنلا صلاختساو تناايبلا ضرعو يى ولوكجنب ةظفالز في يلىأ فقوك ووت وتير ةسرالش .1 :يلي ام ةثحابلا تجتنتسا تناايبلا ليلتح ىلع ًءانب .ىرخأ لوصأ وأ تارىولر وأ ينتاسبلا وأ لوقلحا وأ لزانلدا لكش في وعيزوت متي لا يذلا ثايرملل يعاملجا مادختسلاا هذى .ةثرولا عيجم ةقفاوبم وأ وتايح في)ثرولدا( ملأا وأ بلأاهنيّعيذلا دلاولأا ضعب وأ دحبأووت وتير لاومأ ةرادإ متت ووت وتير ةسرالش فدته ةعيرشلا دصاقم رظن ةهجو نم .2 .ولوكجنبةظفالز ناكس ىلع بيلسو بيايجإ يرثتأ الذ ةسراملدا تيارورضلا اهمةحلصلدا لاكشأ نم ينلكش في ةحلصلدا هذى ةيؤر نكيمو،)لالدا ظفح(تاكلتملدا ىلع ظافلحا لىإ ةسرالش نوكت نأ دّب لاف ،ةيملاسلإا ةعيرشلا روظنم نم ووت وتير ةسرالش في ةيملاسلإا ةعيرشلا ءانب ةداع.3 .تايجالحاو فقولا ماكحأو طورشل اقًفو في يلىلأا اىذيفنت تم ولوكجنب ةظفاحبم ايلىأ افقو هرابتعبا(RetoTuo(ووت وتير وتير ءانب ةداعإ امأو.ابه لومعلدا حئاوللاقفو وتسرالش نم دب لافيعضولا نيوناقلا روظنلدا نم امأو .ةيملاسلإا ةعيرشلا في يلىلأا فقولا نع ييرلخا فقولا ميظنت لصف للاخ نماىذيفنت متفايلىأافقو وفصوب نيوناقلا(RetoTuo(ووت يلىلأا فقولا تاعازن لحو لوصلأا ةرادإ ،ةرادلإا وأ ليجستلا ،ذيفنتلا :كلذ في ابم ،ةفلتلس داو

Penerapan Pembayaran Zakat Digital Dalam Presfektif Ekonomi Islam (Chasles Society)

Penelitian ini bertujuan untuk mengetahui penerapan pembayaran zakat digital dalam presfektif ekonomi islam. kepustakaan (library research) yaitu dengan cara penelusuran, pengumpulan, mengklarifikasi serta menelaah data-data dari berbagai literatur yang berkaitan  dengan inti permasalahan guna mendapatkan asas-asas dan  konsep  tentang  persoalan yang menjadi obyek penelitian. Pendekatan yang digunakan dalam penelitian ini etnometodologi. Obyek penelitian ini adalah Badan Amil Zakat Nasional di Indonesia. Hasil penelitian menunjukkan bahwa pembayaran zakat digital dalam presfektif ekonomi islam. Keterbatasan penelitian ini yaitu hanya membahas pembayaran zakat digital dalam presfektif ekonomi islam, serta  sampel dan populasi yang diteliti hanya Badan Amil Zakat di Indonesia sehingga membuka peluang untuk peneliti-peneliti yang baru dengan mengangkat tema yang sama dengan jumlah sampe objek penelitian yang lebih luas. Implikasi penelitian ini diharapkan agar bisa menambah khasanah ilmu pengetahuan berkaitan dengan pembayaran zakat digital dalam presfektif ekonomi islam. This study aims to determine the application of digital zakat payments in the perspective of Islamic economics. library research, namely by searching, collecting, clarifying and analyzing data from various literatures related to the core of the problem in order to obtain principles and concepts about the problem that is the object of research. The approach used in this research is ethnomethodology. The object of this research is the National Amil Zakat Agency in Indonesia. The results of the study indicate that digital zakat payments are in the perspective of Islamic economics. The limitations of this study are that it only discusses digital zakat payments in an Islamic economic perspective, and the sample and population studied are only the Amil Zakat Agency in Indonesia, thus opening opportunities for new researchers with the same theme with a wider number of samples of research objects. The implications of this research are expected to be able to add to the repertoire of knowledge related to digital zakat payments in the perspective of Islamic economics

Peran Pembiayaan Perbankan Syariah terhadap Usaha Mikro Kecil dan Menengah di Masa Pandemi Covid-19 (Studi Kasus pada BSI Kota Bengkulu)

This study aims to determine the role of financing for the indonesian syariah bank in the city of Bengkulu in rescheduling, reconditioning, and restructuring of micro, small and medium business customers during the covid-19 pandemic, the research method used is qualitative methods. This type of research includes field research because it directly gets data from the field to find out the real situation. When the research took place at the beginning of September 2020-March 2021 and located at the Bank Syariah Indonesia branch office of S. Parman 2. This research is descriptive and uses two data, namely primary data and secondary data, where the primary data is obtained from Bank Syariah Indonesia Bengkulu city and secondary data obtained from notes, books, website publications, journals, articles, theses, and others. Data collection using three methods, namely observation so that it is directly aimed at the Bank Syariah Indonesia Bengkulu city, interviews to ask questions and answers, and documentation such as archives, reports, and so on. The results of the study are that in addition to still providing financing to customers during the covid-19 period, in rescheduling, the role of the bank is to provide an extension of the payment period, while in reconditioning. MSME customers affected by covid-19 can submit a restructuring application letter, but with the agreement of the two parties who are equally willing, and so is the restructuring, with is the conversion of a financing contract, where MSME customers are given any installment payment relief they can for 1 year

Peran BMT Syari’ah Jaya Abadi dalam Peningkatan Pendapatan Usaha Mikro di Kecamatan Giri Mulya Kabuapaten Bengkulu Utara

The purpose of this study 1) to determine the role of BMT Syari'ah Jaya Abadi in increasing micro business income in Giri Mulya District, North Bengkulu Regency. 2) To find out what are the obstacles of BMT Syari'ah Jaya Abadi in increasing micro business income in Giri Mulya District, North Bengkulu Regency. The approach used in this research is non-participant qualitative and descriptive analysis method. Data was collected through direct explanations from the head of BMT Syari'ah Jaya Abadi, Managers and Customers of Syari'ah Jaya Abadi as the unit of analysis for this research. The results of this study indicate that 1) The role of BMT Syari'ah Jaya Abadi, Giri Mulya District, North Bengkulu Regency, namely first, fostering an entrepreneurial spirit in the community. Second, being able to suppress the practice of usury in the midst of society. Third, improve people's welfare. 2) The obstacles to BMT Syari'ah Jaya Abadi, Giri Mulya District, North Bengkulu Regency, namely the delay in returning customers' capital money and the large number of customers who have not been able to manage their finances