Rusdi H A M K A Lubis

The purpose of this study analyzes the comparison of limited liability companies according to law number 40 of 2007 with Law number 11 of 2020 concerning Job Creation using normative juridical research methods. This research found that there are differences between pt according to Law number 40 of 2007 and the Job Creation Law in the aspects of definition,

Micro, Small, And Medium Enterprises (MSMEs) play a significant role in enhancing the national economy from various aspects such as gross domestic product (GDP), employment absorption, and investment. The aim of this research is to analyze The Sharia Microfinance Institution's (SMFI) practice model in empowering msmes in indonesia. A descriptive analytical approach is used to illustrate the existing model. The research findings indicate that microfinance performance to strengthen msmes is already good. In terms of capital, smfi has been able to increase capital for msmes, thereby increasing their production quantity. There are several microfinance models that can be implemented by islamic financial institutions to strengthen msmes, such as solidarity group model, village banking model, grameen model, and individual model.

The research is aim to analyze the effect of the zakat instrument on poverty and unemployment and test the zakat instrument as an alternative solution to the economic impact of the middle to lower class post-pandemic community. It uses least square regression as the method of analysis. Where the method is in line with the research objectives that is to test the form of the relationship and the level of significance of the effect of the observed variable. Findings show that

Banyak penyedia jasa wallet (dompet digital) seperti Dana, Ovo, T-Cash, Gopay, Linkaja, Isaku, Sakuku, Jenius, dll yang diminati oleh masyarakat saat ini menjadi fenomena yang menarik untuk dikaji terutama dari sisi pengaruhnya terhadap budaya konsumtif. Penelitian ini bertujuan untuk mengetahui pengaruh penggunaan dompet digital terhadap budaya konsumtif masyarakat Kota Tangerang. Pendekatan kuantitatif digunakan dengan dua variabel yaitu variabel persepsi terhadap dompet digital dan variabel budaya konsumtif. Dari hasil uji analisis penelitian ini menemukan bahwa perkembangan teknologi yang diiringi dengan hadirnya dompet digital memiliki pengaruh yang signifikan terhadap budaya konsumtif masyarakat Kota Tangerang.

Penelitian ini bertujuan untuk mengkaji praktek IMBT yang dilakukan di Bank XYZ dan mengevaluasi kesesuaian praktek tersebut dengan maqashid syariah. Metode yang digunakan adalah pendekatan kualitatif secara penuh yang terdiri dari tiga tahap analisis yaitu kajian literatur, in-depth interview, dan analisis deskriptif. Temuannya adalah bahwa praktek IMBT yang dilakukan oleh Bank XYZ telah memenuhi persyaratan atau kepatuhan syariah. Disisi lain dari sudut pandang maqashid syariah yang lima, seluruh praktek yang dilakukan telah sesuai. Dimana terdapat sistem yang mewakili terhadap penjagaan harta, pikiran, jiwa, keturunan dan harta nasabah. Berdasarkan hasil wawancara, nasabah mendapat tawaran yang baik dan jelas, serta pihak Bank XYZ sangat bertanggungjawab atas seluruh transaksi yang dilakukan.

Islamic banks in Indonesia were born in 1992, but their development has only been rapid since 1998, namely since the amendment to the 1992 banking law, which includes equipment regarding the Islamic banking system in the law. Since then, Islamic banks have grown by an average of 150% per year. The central bank, namely Bank Indonesia, and other groups in the market contributed to significant growth, this was done through outreach programs to the public. In December 2003, the Indonesian Ulema Council, an independent clerical body acting as a fatwa for Islamic banking products and operations, issued a decree that interest is haram. This fatwa leads to a rapid increase in deposits to Islamic banks. Although harsh criticism was launched by some Muslim intellectuals, but the fatwa attracted wide attention and awareness of Muslims, but the fatwa attracted widespread attention and awareness of Muslims in general in Indonesia, which caused discussions about Islamic banking to increase rapidly in every region and region of Indonesia. There are two factors behind the success of Islamic banks in increasing deposits from the market. Apart from that, there are also other factors that contributed to this success, such as a number of academics finding alternatives to the capitalistic and secular economic system which is believed to be the main cause of the 1997-2003 Indonesian economic crisis.

This study examines the Inclusion of Halal Labels and Marketing Strategies on the Purchase of Robusta Coffee in the Talang Jawa Village Community, Kec. High Cliff Kab. Four Laws. This type of research is a field research (filed research). This research aims to obtain information about Halal Labels and Marketing Strategies for the Purchase of Robusta Coffee in the Talang Jawa Village Community, Kec. High Cliff Kab. Four Lawangs that plunge directly into an object. This research is a field research that uses qualitative methods where a case study approach is carried out, then a data collection method used is observation, interviews, and documentation. Based on the results of the research obtained, the authors conclude that the effect of Halal labeling is very influential on consumer purchasing decisions, because after obtaining permission and certification of halal labeling consumers are sure of the quality of the coffee product.

Identifying the risk of the insured party is the main task of the insurance broker who acts as the insured's representative who has the right to become an intermediary between the insured party and the insurance company. The purpose of this study is to analyze the governance of sharia insurance brokers in identifying the risks that exist to the insured. Qualitative method is a method used to provide a comprehensive picture. The results of this study state that sharia insurance brokers have implemented good corporate governance and have carried out their duties and obligations as representatives implementing the values of governance, risk management and Sharia Compliance. Sharia Insurance Broker professionalism will be felt by the insured if the insurance claim settlement can be done in accordance with the agreement.

Frequently happened agrarian conflicts in Indonesia need to be addressed seriously to find the best solution. This problem should be exercised from various views and perspectives, including legal, social and economic perspectives. This study aims to find a comparison between policy and law of the government of the Republic of Indonesia and the concept of Islamic thought of a great Muslim scholar; Abu Ubaid. This study uses descriptive analysis. This research is a research library with data and methods of qualitative analysis. The type of data used in this study is qualitative data obtained from authentic sources consisting of primary and secondary data sources. The findings and conclusions of this research are that government policies on land and agricultural land in Indonesia have similarities and differences compared to Abu Ubaid's thoughts on land/agricultural land. The equation is, on the distribution of plantation land for farmers that in law in Indonesia recognize ownership of land rights which is characterized by a certificate of agricultural land, whereas according to Abu Ubaid is land rights for farmers who work on land/plantation land that has been appointed by the Imam / Head of State .

Pancasila is the foundation of the Indonesian state. Pancasila is indeed not sharia, but the values contained in it are in harmony with the Shari'a. The precepts contained therein are "one breath" with Shari'a. Because of its existence as line, the Pancasila is included in the memorandum of understanding that is Islamic Values.

The purpose of this research is to discuss ZISWAF (Zakat, Infaq, Shodaqah and Waqf) which involves collecting technology or better known as digitizing ZISWAF, The background of this study is because the potential of ZISWAF in Indonesia, as a country with the largest muslim population, still far from its realization which only reached 2 percent based on the data from 2011 to 2016. In the current industrial 4.0 era, smartphones and access to digital financial technology are common features for the society. Therefore, making ZISWAF collection and distribution through financial technology platform should not be difficult. The technology assistances also enable more accountable and more transparant transaction which is become important features for social fund governance. By using literature review method, this paper built ZISWAF's acquisition strategy that has been launched nationally.

1 Pendahuluan Zakat, infak, sedekah dan wakaf (ZISWAF) adalah sebuah instrumen keuangan soasial Islam, yang memungkinkan adanya distribusi aliran kekayaan dari tangan orang kaya kepada orang miskin.[1] ZISWAF di samping memiliki dimensi ekonomi adalah merupakan sebuah kewajiban dan sebuah nilai ibadah yang berpahala. Bahkan dalam prespektif ilmu ekonomi, ZISWAF dapat pula dijadikan instrumen utama kebijakan fiskal. Meskipun sangat disayangkan bahwa hingga saat ini belum ada satu negara Islam pun di dunia ini yang menjadikan ZISWAF sebagai instrumen utama kebajikan fiskal. Serangkaian dengan instrumen zakat yang merupakan kewajiban ada juga instrumen yang berhukum sunah yakni infak, sedekah, dan wakaf, yang jamak disingkat menjadi Ziswaf (zakat, infak, sedekah, dan wakaf). Tatakelolanya biasa dilaksanakan menjadi satu badan meski mekanisme perolehan dan pendistribuasiannya berbeda sesuai dengan syariah Islam. Di Indonesia permasalahan yang timbul padahal jumlah penduduk mayoritas muslim terbesar di dunia yakni adanya celah yang sangat besar antara potensi dan perolehan ziswaf. Selain itu, juga permasalahan pendistribusiannya juga belum bisa maksimal. Strategi untuk mengurangi celah tersebut adalah dengan cara digitalisasi proses penerimaan dan pendistribuasian serta pelaporan ziswaf, diharapkan denagn adanya digitalisais ziswaf ini bisa mempersempit celah yang ada. Dunia zakat, infak, shadaqah dan wakaf sekarang mengalami perkembangan yang selaras dengan kemajuan teknologi. Teknologi digital telah dimanfaatkan dalam proses pengumpulan dan distribusi, manajemen, dan sebagai alat untuk pendidikan zakat. Pada sisi pengumpulan ada tiga platform digital yang tersedia untuk megumpulkan dana zakat, infaq, dan sedekah.

[2] CIFET 2019, September 21-22, Sidoarjo, Indonesia

This study aims to explain the transformation of exchange value in meeting the needs of human life on this earth. Exposure to theories and practices of exchange in increasingly modern economic values forces people to compete with each other. The emergence of an economic system in the form of a market to facilitate humans. Bank and financial industry are one of the modern instruments. Conclusion of the research with the literature study method, that Sharia Banking or Sharia Financial Institutions are not only the banking sector based financial systems as Conventional Banking but Sharia Banking is sector-based banking real, transactions in the real sector of Islamic banking involve 'ayn (goods) and dayn (financing), so that exchange theory is an important thing implemented in meeting basic human needs. Abstrak Tujuan penelitian ini untuk memaparkan transformasi nilai pertukaran dalam memenuhi kebutuhan hidup manusia di muka bumi ini. Paparan teori dan praktik pertukaran dalam nilai-nilai ekonomi yang semakin modern memaksa manusia saling berkompetisi. Muncullah sistem

Critic : Poverty in Indonesia and the Solution of Islam in the welfare of the people's economy. Indonesia's population is around 261 millions more and the majority are Muslim. But the poverty rate is 10.64%. It is implies the economic condition of the people is still in a position below of the poverty line. The theme of the Economic Strategy for the Prosperity of the people (Ummah) examines the problems of the present ummah economy, especially the problem of poverty. Many observers argue that the economic development of the people is constrained by structural. This is deemed necessary for the improvement and change of structural concepts to facilitate them in developing their businesses. When the development of economic empowerment is realized, there will be high competitiveness so that it can improve the economy. The views of classical and contemporary economists express opinions and develop economic thinking to be a benefit for the people. 

Abstrak: Kritik: Kemiskinan di Indonesia dan Solusi Islam dalam mensejahterakan ekonomi umat. Penduduk Indonesia berjumlah sekitar 261 juta jiwa lebih dan mayoritas beragama Islam. Akan tetapi tingkat kemiskinan sebesar 10.64%. Hal ini secara tidak langsung menunjukkan bahwa kondisi perekonomian umat masih berada dalam posisi di bawah garis kemiskinan. Tema Strategi Ekonomi untuk kemakmuran Umat ini mengkaji permasalahan ekonomi ummat saat ini, khususnya permasalahan tingkat kemiskinan. Banyak pengamat mengemukakan bahwa pengembangan ekonomi umat terkendala oleh struktural. Hal ini dipandang perlu untuk perbaikan dan perubahan konsep struktural agar memudahkan mereka dalam mengembangkan usaha. Bilamana pengembangan pemberdayaan ekonomi terwujud, akan ada daya saing tinggi sehingga dapat meningkatkan perekonomian. Pandangan para ekonom klasik dan kontemporer menyatakan pendapat dan mengembangkan pemikiran ekonomi untuk menjadi maslahat bagi umat.

The challenges of Islamic cooperatives are increasing due to instability,
uncertainty, and complexity as a result of current technological advances.
Conditions like this certainly have an impact on higher business risk exposure.
Facing this issue, the implementation of governance, risk management, and
compliance (GRC) is very important. These three aspects are interrelated so that
they must be integrated and harmonized to prevent conflict, and avoid things that
could harm the company due to non-compliance with agreed regulations, including
violations of sharia principles.
The purpose of this study is to analyze the influence of the Cooperative
Internal Supervisory Board, Sharia Supervisory Board, Risk Management and Good
Corporate Governance (GCG) on the Performance of Sharia Cooperatives in South
Tangerang City with the Governance, Risk Management, Compliance (GRC)
approach as a form of a combination of integrated forces in achieving the
objectives. Islamic cooperative.
Methodologically, this type of research is a descriptive analysis based on
quantitative data with indicator testing using the Partial Least Square (PLS)
method which produces variable constructs and indicators which are then formed
formatively to show a causal relationship, while the population of this study is 54
officials from 9 institutions. Islamic cooperative in South Tangerang City,
sampling using the Simple Random Sampling technique of 35 cooperative officials.
The results showed that the role of the internal supervisor, the role of the
Sharia Supervisory Board, the implementation of risk management had a
significant positive effect on performance, but on the contrary, there was no
significant positive effect if GCG mediated the relationship between the role of the
internal supervisor, the role of SSB and the implementation of risk management
and performance. This shows that the governance of sharia cooperatives needs to
be addressed, however, the role of Islamic cooperatives is undoubtedly in
empowering the poor, supporting micro-businesses, and serving those that are not
affordable by banks.
The findings of this dissertation are in line with and reinforce the thinking of
George R Terry (1978), Lyndall F. Urwick (1983), and Stephen P Robbins (2017)
who state that supervision is a process of monitoring the development of activities
to ensure that the work process runs as planned of course with continuous
evaluation. sustainable to achieve good company performance. This research is also
in line with Ahmed (2011) stating that ‚SSB plays a major role as the gatekeeper
for Sharia implementation and compliance, as well as reviewing and assisting
product development to ensure Sharia compliance. The results of this study are in
line with and also strengthen the thinking of Primjambono (2017) and Wijayanti and Utomo (2017) which state that GCG cannot be used as an intermediary in the
management system for cooperative performance.
The research implication states that Islamic cooperatives must be able to
implement the role of internal supervisors, SSB and Risk Management, and GCG
properly, so it will have an impact on performance. This research is only limited to
sharia cooperatives in South Tangerang City using cross-section data from 2018 to
2019 from the Annual Cooperative Member Meeting report.

Keywords: Governance, Risk Management, Compliance, Health, Cooperative, Sharia, Supervisor, DPS, SmartPLS, Path, Intervening

This study to describe the picture of ziswaf potential and Ziswaf's realization in Indonesia explained the difference between potential and realization. Beginning with a quantitative descriptive approach method by collecting secondary data from various sources. A very large gap between the value of potential and the amount of realization. During the last five years until 2016.  The realization of zakat receipts was only less than 1%. The development of Ziswaf funds in Indonesia must have strategic objectives that must be reduced in the policies of all stakeholders. Thus, muzakki and mustahik are important components in the development and succession of empowerment. The selection of the right strategy can be done using the SWOT analysis method to produce a condition map of the research group and the right strategy to support the strategic objectives. The results of the analysis show that Ziswaf's condition in Indonesia has experienced and significant development. The results of the analysis also show that there are 6 (six) strategies that can be used to achieve Ziswaf's strategic objectives, namely: (1) digitizing of Ziswaf, (2) Islamic Inclusive Finance Council, (3) Database Development, (4) Regulation Implementation, (5) Zakat Automation, (6) Tax incentives for muzakki.
Keywords: SWOT analysis, strategy analysis, research, Ziswaf

Semoga buku ini dapat berkontribusi dalam meningkatkan pemahaman masyarakat khususnya mahasiswa dalam memahami  asuransi, asuransi syariah, peran agen dan pialang asuransi, sehingga diharapkan mahasiswa yang telah paham dapat mengamalkan ilmunya pada masyarakat dan terwujudlah literasi keuangan yang diharapkan.
Bagaimana pun juga, buku ini tentu jauh dari kata sempurna, sehingga bila para pembaca yang budiman mempunyai kritik dan saran kiranya dapat disampaikan kepada penulis agar penulis dapat mewujudkan karya yang lebih baik di masa yang akan mendatang