SETTLEMENT OF RECEIVABLES OF MURABAHAH CONTRACT ACCORDING TO DSN FATWA NUMBER 47 OF 2005: A STUDY AT BANK SYARIAH INDONESIA KCP LHOKNGA ACEH BESAR

This article aims to analyze the practice of settling murabaha receivables at BSI KCP Lhoknga with a study of Fatwa DSN-NO 47 of 2005. The fatwa provides guidance on sharia principles that must be adhered to in the settlement of murabaha receivables. The analysis is carried out on banking practices in settling murabaha receivables in community life. The aim is to ensure the development of an Islamic banking system that is free from usury. Because at this time there are still many people who think that Islamic banking and conventional banks are the same. This research is written with a conceptual approach, the type of research conducted in writing this scientific work uses a qualitative form, namely data collection in a scientific setting using scientific methods and conducted by scientifically interested people or researchers. The data used are primary data and secondary data. Primary data is obtained from interviews and observations. The results showed that the practice of settling murabahah receivables at BSI KCP Lhoknga seen from the review of DSN-MUI fatwa No. 47 of 2005 discusses the settlement of murabahah receivables for customers who are unable to pay, and the fatwa provides settlement requirements that must be followed as well as the responsibilities of customers and LKS to carry out settlements in accordance with the provisions in the fatwa. Therefore, the settlement practice has complied with the commandments of sharia principles including fairness and transparency in determining the amount of debt that must be paid by the debtor, and the fatwa which also regulates procedures when settling debts in situations of late payment or inability to pay. So, basically this contract is a direct agreement where the desired profit is predetermined. Fatwa DSN-NO 47 of 2005 explains that the settlement must be complied with, such as the object of collateral being sold by the customer at an agreed price and then the customer paying off the remaining forest to the Islamic financial institution (LKS) from the proceeds of the sale

NAZHIR'S ABILITY TO REALIZE PRODUCTIVE WAQF IN ACEH CITY

One of the important requirements that a waqf nazhir must have according to the provisions of waqf jurisprudence and Law Number 41 of 2004 concerning waqf is the ability to manage and develop waqf assets so that they become productive waqf. However, preliminary data shows that the number of productive waqfs in the city of Banda Aceh is very small compared to unproductive waqfs. The formulation of the problem in this research is how nazhir's ability to create productive waqf in the city of Banda Aceh. The method used in this research is a qualitative method which is a field or empirical study and the focus of the study is the nazhir's ability to create productive waqf in the city of Banda Aceh. The results of the research show that the ability of nazhir to create productive waqf in the city of Banda Aceh is still low, this can be seen from the fact that not all nazhir have carried out planning, implementation, evaluation and solutions in realizing productive waqf. Nazir, who has carried out planning, evaluation and solutions, does not yet have special instruments related to these activities, so the number of waqf assets managed productively is still small, 31 plots out of a total of 787 plots

PATTERN OF NAZHIR WAKF DEVELOPMENT IN THE CITY OF BANDA ACEH

ABSTRACT Based on waqf regulations in Indonesia, Nazhir waqf is entitled to receive guidance from the government (central Ministry of Religion, Regional Office of the Ministry of Religion, Regency/City Ministry of Religion and KUA) and the Indonesian Waqf Board. However, the waqf regulations in Indonesia do not regulate the pattern of development. This study examines how the pattern of coaching Nazhir in the city of Banda Aceh. The method used in this research is a qualitative method that is a field study or empirical and the focus of the study is the role of the government in fostering Nazhir in the city of Banda Aceh. The results of the study show that the pattern of Nazhir's development in the city of Banda Aceh is a formal and informal pattern. Formal patterns such as seminars, workshops and training. Meanwhile, informal patterns such as at the time of sermons, religious lectures, at the momentum of the handover of Nazhir's decree, the participants were very limited and attended by participants other than Nazhir waqf

MANAGEMENT OF AMANAH PRODUCT’S FINE FUNDS AT PT PEGADAIAN SYARIAH KCP KEUTAPANG, ACEH BESAR DISTRICT, INDONESIA

A fine is a penalty in the form of having to pay in the form of money for violating applicable rules, laws and norms or for failing to comply with an agreement that was agreed upon at the outset. Amanah product is one of the products at Pegadaian Syari'ah which purchases and procures two-wheeled or four-wheeled motorized vehicles for personal use and company needs. In this product, the contract used initially was a mudharabah contract, but currently the contract used is a rahn tasjily contract. This thesis is focused on answering three important things, 1) How is the determination and amount determined for customers who make arrears at PT Pegadaian Syariah KCP Keutapang, 2) How is the management of trust fund fines at PT Pegadaian Syari'ah KCP Keutapang, 3) What is the legal perspective Islam regarding the management of trust fund fines at PT Pegadaian Syari'ah KCP Keutapang. This type of research is qualitative and uses a descriptive analysis method. Sources of data used include primary and secondary data. The results showed that the amount of fines in this product is a minimum of 0.4% and a maximum of 4% of the wine value. For example, the installment is Rp. 100,000 if 4% of the fine is four thousand out of one hundred thousand. If the loan is four million, Rp. 4% is taken. 400,000 per month. However, if the installment payment is only a matter of days late, the fine is only 0.4% per week. The imposition of this fine is carried out when the customer is due when the contract is initiated, then the management of fine funds is allowed even though there are some scholars who forbid it, but if you look at the DSN MUI fatwa, fine funds are allowed to be taken if they are used in accordance with Islamic sharia provisions. From the point of view of management and distribution of fines, the funds obtained were indeed used in accordance with Islamic principles, such as the repair and construction of houses of worship, both mosques and prayer rooms, for the benefit of education

PERLINDUNGAN HUKUM TERHADAP PEKERJA MIGRAN INDONESIA MENURUT MASLAHAH DAN UNDANG-UNDANG NOMOR 18 TAHUN 2017 TENTANG PERLINDUNGAN PEKERJA MIGRAN INDONESIA

Perlindungan hukum terhadap Pekerja Migran Indonesia merupakan isu krusial yang menyangkut hak asasi manusia, keadilan sosial, dan perlindungan tenaga kerja. Pekerja Migran Indonesia sering menghadapi berbagai tantangan, termasuk Upah yang tidak dibayar,eksploitasi, pelecehan, kondisi kerja yang tidak aman, dan kurangnya akses terhadap bantuan hukum. Penelitian ini bertujuan untuk menganalisis bentuk-bentuk perlindungan hukum yang tersedia bagi Pekerja Migran Indonesia susuai dengan Maslahah dan Peraturan perundang-undangan.Metode yang digunakan adalah kajian pustaka dengan pendekatan normatif, yang melibatkan analisis terhadap undang-undang, peraturan, dan konvensi internasional yang relevan.Hasil penelitian menunjukkan bahwa terdapat tiga kategori bentuk perlindungan terhadap pekerja migran Indonesia yaitu perlindungan hukum,ekonomi,dan sosial baik itu sebelum bekerja,selama bekerja dan setalah bekerja dengan memperhatikan maslahah bagi semua Pekerja Migran Indonesia.Meskipun telah ada berbagai regulasi dan peraturan untuk melindungi pekerja migran, implementasinya masih menghadapi berbagai kendala. Di tingkat Nasional, Undang-Undang No. 18 Tahun 2017 tentang Pelindungan Pekerja Migran Indonesia telah memberikan landasan hukum yang lebih kuat. Namun, masih terdapat kelemahan dalam hal pengawasan dan penegakan huku

Force Control for One Degree of Freedom Haptic Device using PID Controller

Haptics has been used as an additional feedback to increase human experience to the environment over years and its application has been widening into education, manufacturing and medical. The most developed haptic devices are for rehabilitation purpose. The rehabilitation process usually depends on the physiotherapist. But, it requires repetitive movements for long-term rehabilitation, thus haptic devices are needed. Most of the rehabilitation devices are included with haptic feedback to enhance therapy exercise during the rehabilitation process. However, the devices come with multiple degrees of freedom (DOF), complex design and costly. Rehabilitation for hand movement such as grasping, squeezing, holding and pinching usually does not need an expensive and complex device. Therefore, the goal of this study is to make an enhancement to One DOF Haptic Device for grasping rehabilitation exercise. It is improved to perform a force control mechanism with few types of conventional controller which are Proportional (P) controller, Proportional-Integral (PI) controller, Proportional-Derivative (PD) controller and Proportional-Integral-Derivative (PID) controller. The performance of the haptic device is tested with different conventional controller to obtain the best proposed controller based on the lowest value of Mean Square Error (MSE). The results show that PID Controller (MSE = 0.0028) is the most suitable for the haptic device with Proportional gain (Kp), Integral gain (Ki) and Derivative gain (Kd) are 1.3, 0.01 and 0.2 respectively. The force control mechanism can imitate the training motion of grasping movement for the patient

Rice response to spermine foliar application and its association with aerial imagery monitoring under water stress conditions

Rice is the most consumed food in the world, mainly in Asia and Africa. Malaysia is the second-largest rice importer in Southeast Asia after Indonesia. However, rice yield is limited by water stress. One alternative for a quicker strategy to mitigate water stress is through a combination of foliar spermine application and efficient rice management practices via image monitoring techniques using drone technology. The present study was aimed at evaluating the effects of spermine on rice physiological response and its association with aerial imagery and yield during reproductive stage under water stress. The experiment was carried out under greenhouse conditions using a two-factorial randomized complete block design (RCBD), with foliar spermine treatment as the first factor and water stress as the second factor. Physiological parameters showed significantly higher tiller number per pot and photosynthesis rate by 29% and 31%, respectively. Correspondingly, the Normalised Difference Vegetation Index (NDVI) using aerial imagery monitoring showed an increased value in spermine treatments by 2% compared to control. Furthermore, NDVI readings and photosynthetic rate were positively correlated linearly with R2 = 0.51. Interestingly, spermine treatments alleviated water stress effects by 40%, 17% and 12% in grain weight per pot, grain number per panicle and percentage filled grain. Biomass partitioning in roots improved by 44% in spermine treatments, even under water stress, due to an efficient translocation of assimilates. In conclusion, spermine foliar application significantly improved growth, grain filling and rice yield production, which was also supported by NDVI values using aerial imagery monitoring

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356 hlm, 24 c

Ilmu Kitabatul Lughotill Arabiyah Wal Imla'

ilus, 272 hlm, 20 c

Determination of Agarwood volatile compounds from selected Aquilaria species plantation extracted by Headspace-Solid Phase Microextraction (HS-SPME) method

A collection of inoculated heartwood of three Aquilaria species namely A. crassna, A. sinensis and A. subintegra were investigated for their volatile compounds. The volatile compounds were extracted using automated Headspace-Solid Phase Microextraction (HS-SPME) with fibre coating of 50/30 µm divinyl benzene/carboxen/poly-dimethylsiloxane (DVB/CAR/PDMS) and determined by gas chromatography/mass spectrometry (GCMS). The absence of proper scientific method in forming the agarwood has resulted in variations in agarwood quality and inconsistent grades in the market. Thus there is a need to quantify the amount of major volatile compounds found in the agarwood so that the quality can be scientifically verified. In this study, the commonly known volatile compounds present in agarwood sample were found but with varying amounts. At least three important compounds were obtained i.e. β-agarofuran, α-eudesmol and agarospirol. Based on the presence of these main volatile compounds, the study suggests that extraction by HS-SPME also useful instead of distillation process. The ability to identify key components in a short time can facilitate and shorten the analysis time. It further helps in developing the quality of agarwood industry standards