The Law of Bank Interest is a complicated issue in Islamic economics because there are differences of opinion among Muslim scholars and intellectuals. This can not be separated from the observations of Indonesian Muslim economists such as Syafruddin Prawiranegara, who thinks bank interest is permissible, while M. Syafii Antonio believes bank interest is haram (forbidden in Islam). This research is entitled "Comparative Study of Banks in the Perspective of Syafruddin Prawiranegara and M. Syafii Antonio". This study aims to determine the views of Syafruddin Prawiranegara and M. Syafii Antonio regarding bank interest and examine the differences, similarities and backgrounds of their opinions. This type of research is library research with qualitative methods. The data analysis technique was carried out by means of deductive-comparative, in which this research first explains the arguments of the two figures regarding usury and bank interest then compared with the comparative method. The results of this study are 1. Syafruddin Prawiranegara believes Interest cannot be equated with usury. According to him, the difference of opinion regarding bank interest is due to a misinterpretation of the function of money. 2. M. Syafii Antonio is of the opinion that the law of bank interest is the same as usury. To stipulate the law on interest, it is necessary to comprehensively understand the stages of the derivation of the verses of usury. 3. The difference of opinion between the two is seen from the results of ijtihad (making a decision based on Islamic law) and the istinbath methods.
Background – Organizational entrepreneurship is one of the solutions used to maintain the existence and sustainability of an organization oriented towards community empowerment in Indonesia. Aim – This study aims to analyze the effect of human resource competence using the Spencer model on organizational entrepreneurship. Design / methodology / approach – The research respondents were all 35 female partners at BUANA. Collecting data using questionnaires and interviews. The modified human resource competency instrument from the Spencer Model, and Organizational Entrepreneurship uses an adaptation instrument from Spencer and Spencer's initial research. The analytical tool used to measure the level of data validity is the correlation coefficient using SPSS17.0 software. Result and Discussion – The results of the study indicate that the competence of Spencer's human resources concept which consists of motivation, nature, attitude, knowledge and skills has a very important role in the effort to develop Organizational Entrepreneurship. Organizational entrepreneurship is found in various organizations in the community and can increasingly provide space in driving economic activity in the community and groups/organizations. Conclusion - Based on the results above, the value of HR Competence with Organizational Entrepreneurship shows a linearity significance so HR Competence was linear with Organizational Entrepreneurship. This coherence with HR Competencies affected Organizational Entrepreneurship.
Introduction: One of the obstacles faced by MSEs to achieve independence in entrepreneurship is limited working capital. The government through Bank Indonesia has required banks and microfinance institutions to provide working capital to SMEs. However, there are obstacles in its distribution, namely the fulfillment of the requirements for submitting financing related to MSE financial information. There are still many MSEs that cannot provide accurate financial information because they do not carry out financial management properly, such as making financial reports. Meanwhile, fund providers, including Islamic microfinance institutions, require financial information to analyze the customer's ability to repay the financing. Purpose: Knowing how the financial management of MSEs and the obstacles faced in making financial reports, and how MSEs provide financial information to obtain working capital from Islamic Microfinance Institutions. Methodology: This research was conducted with a descriptive qualitative method. The object of this research is the financial reporting of MSEs that are needed by Islamic Microfinance Institutions in making decisions to accept or reject the application for financing by MSEs. The data used are primary and secondary data obtained through interviews, documentation, and observation. Findings: The majority of UMK KSPPS BMT Niten customers do not perform financial management, especially in preparing financial reports. Constraints were faced due to the lack of awareness of MSEs on the importance of financial management, especially in preparing financial reporting, lack of knowledge about financial management, especially in preparing financial reporting, and limited time. KSPPS BMT Niten obtains financial information of prospective UMK customers or financial information of existing UMK customers through direct interviews. Paper Type: Research Article
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