Purpose: The Paper is to study the Restukturization Of Financing During The Covid-19 Pandemic: Maqashid Paradigm As-Syar'iyahDesign/Method/Approach : This research uses qualitative methods with a library study approach. in analyzing the position of financing restucturization during the pandemic from the point of view of maqasid al-syar'iyahFindings: The discussion is considered important because by digging from the point of view of muamalah figh in terms of Magashid Syari’ah so that the discussion specifically becomes the first two discussions, from the restructuring process of financing during the pandemic, restructuring which was developed with the istimbat ahkam with the aim of magashid syari’ah as part of Hifdul Maal [Maintaining Property] which is motivated by the social condition of public health, namely during the pandemic period empirically with analysis and argumentation, the second is the harmonization of syari’ah policies with the situation. Research subject related to causes and reasons for implementing decisions on financing restricting with Magashid Syari’ah., a paradigm developed through financing risk mitigation and the Magashid As-Syari’ah paradigm in legal protection based on the existence of benefits that are dharuriyyat [primary needs]. Hajiyat [secondary needs], and Tahsinivat [tertiary needs], with regard to protection of proferty [hifdz a-Maal] and hifdz al –nafs [guarding the soul] with legal arguments built starting from the view that the return on financing is carried out from bank financial institutioins Sharia is an obligation that must be fulfilled, in the process of fulfilling the obligatons given by financial institutions based on general and special considerations, especialty for conditions beyons the will and ability of humans, the ability to return financing is hindered due the covid-19 pandemic, there is a restructuring formulation. A is, namely postponemet of loan principal, postponement of principal and margin, delay of remaining principal extension of repayment period, and reduction in margins on people’s business financing (PUR) Originality/Values: The main contribution of this research is a concern in filling the gap in how the concept of Islamic economics in the restucturization of financing to business actors

The role of cooperative and MSMEs in economic growth are very important. In 1998, Indonesia experienced economic  crisis, the cooperative business units and MSMEs were relatively stable and able to survive compared to the large companies. According to date from the ministry of cooperatives and UMKM, in 2019 the number of cooperatives will be 126,343 units, although this number has decreased from 2014, which was 212,570 units. Seeing this certainly becomes a big hope  or opportunity for  Indonesia economic growth, however in general the development of cooperatives, still experiences various obstacles, especially in terms of capital and accessing capital sources. In Act no.3 of 2004, Bank Indonesian Bank policy in assisting the development of small and medium-sized businesses and cooperatives , is more about  technical assistance and institutional development. The task of managing credit has been transferred to SOEs including BRI, Bank BTN and PT. Nastional Capital Madani (PNM) banks.The optimization of the role of SOEs in the development of Indonesian cooperatives is indicated to be not optimal, especially in capital finance working, in this study, the writer will focus more on the cooperative of employees in an industrial company, which is still less touched by the stakeholders until now on. (One employee cooperative of PT.Tirta  Investma (AQUA), Tirta Bangun Karya Cooperative, Subang Regency, West java, the research approach is  based on the basic  assumptions of social science,  which will be conducted by the way of researchers’ analyzing of phenomenon or reality, analized by using SWOT analysis. This study aims to Provide an  overview of the business cooperatives opportunities, especially cooperative  employees of an industry, explaining  the involvement and mengagement of stakeholders in develoving and finacing the role of industrial employee cooperatives as the main business partners of companies that shelter, For Describing  the government framework in providing the recommendations to  stakeholders in  cevelopment programs is to support government programs in priority economic fields.From the research conducted, it can be concluded that : Government policies relatied to the development of  industrial cooperatives, namely : in general, government policies in developing cooperative, as such  they are independent and  have been realized ate not only carried out by one or two ministry institutions but by various  institutions, such as the ministry of cooperatives and MSMEs, ministries industry,  ministry of trade, and BAPENAS, Bank of  Indonesia, BUMN and Non Bank Finacial Institutions. Various from of support are given to  cooperatives such as guidance, assistance and financing. Related to this the government always tries to  facilitate cooperatives to have  access to finance  from financial institutions or banks and non banks. These facilities include subsidized banking credit, guarantees of non-bank institutions, financing from SEO profit allowance, grants and others.Company policy in developing employee cooperatives, namely: The company is a partner in running the company’s business wheels meaning that all efforts of the company to run the business always involve cooperatives, of course, this must be bound in the MoU between the company and the cooperative both in writing. The Members of the  cooperative are employees of the company  in which the cooperative belongs. A PKB ( Collective Labor Agreement) was made  between the union and company management  which one of the contents of the collective Labor Agreement  is cooperative. In the contents of the Collective Labor Agreement, there are  no cooperative there are no specific regulations regarding the involvement of cooperetives as Company’s  partners.Banking policy in developing cooperatives, the model link program between banks and cooperative,  has been running using the scheme of executing , channeling and joint finance. It is necessary to develop a model  for developing the  distribution of funds to cooperatives, in which  to support the cooperative business with cooperative is part of the company vendor/ supplier. Banking policies in terms of cooperative business funding need to be developed  softer, because in general, the employee cooperative do not  have variable or large assets yet. In which  this has always been a requirement of a bank in funding cooperative. A collaboration has been conducted between  bank and cooperative in  terms of  financing  cooperative  members  though an exceceuting system. There is no easy access to financial  cooperative businesses  father than the  employee of  finance itself.There needs a synergy  between the Government- financing Institutions and cooperative companies   to put coopretives  as a supporter of the Indonesian economiy, as such the recommendations for  the  central government though the relevant ministries are signed, they should be able to pay  more attenstion  on cooperative for  industrial employee. By issuing the relevant  regulations or laws with pathnerships, between employee cooperative and company management, the local government should have the  courage to issue a regulation relating partnerships between employee cooperatives and companies through related agencies, companies must create policies  towards the  employee cooperative  as the main business partners of companies and  financial institutions, especially banks  must play a more active  roles in communication, outreach, guidance and the realizing  channeling funds to  improve cooperative business units  through soft funding and policies that can facilitate cooperative In obtaining funding and financial institutions must be able to run government program in terms of funding  the cooperatives of industrial employee.

An insurance broker is an insurance company supporting company that has a role as a consulting service or intermediary that complements insurance or Sharia insurance and processes claims by acting on behalf of policyholders, insured, or participants, while the Reinsurance Brokers play a role for the benefit of insurance companies. The progress in economic digitalization encourages the insurance brokerage industry to adapt with the insurance companies to compete and develop innovations in the digital era. This study aims to determine the analysis of insurance and reinsurance brokers in the development of digitalization in the midst of technological competition by taking samples at PT. PAIB Indonesia. This type of research is a field case study research with a descriptive qualitative approach. Data collection was done by interview, observation, and documentation. Primary data sources in this study came from interviews with Mr. Dandi Yudhistira B.Comm., Anziif (Snr Assoc) CIP as director at PT. PAIB Indonesia. In addition, the primary data in this study came from secondary data in this study came from books, several journals, the company's official website, and other digital media. Based on the results of an analysis that has been done, it is known that the insurance brokerage company PT. PAIB Indonesia in the face of current digital developments, the company always tries to provide opportunities for its employees to provide the regular training which relevant with APPARI and will be applied in the company in its operations. In facing the current digital development, PT. PAIB Indonesia does not waste opportunities in the use of technology, companies utilize technology by providing internet services to the public through digital platforms.

Menarik untuk diteliti tentang Prilaku Konsumsi di E-Commerce dalam Islam pada Kondisi  Pandemi Covid-19 di Indonesia. Perubahan prilaku ekonomi masyarakat Indonesia pada saat pandemi mengalami pergeseran pola dalam produksi, distribusi, dan konsumsi dari yang tradisional menjadi berbasis digital, hal ini dipengaruhi oleh perubahan industry  teknologi  4.0  dengan mentranformasi komunikasi yang berbasis digital dan adanya pembatasan aktifitas dengan lock down dan PSBB pada skala global dan lokal dalam penanganan penyebaran virus covid-19. Transaksi e-commerce sebagai bagian dari tren  dalam bertransaksi mu’amalah menjadi solusi yang sangat membatu masyarakat dalam pemenuhan kebutuhan tanpa harus keluar rumah, keadaan seperti ini menuntut masyarakat lebih kreatif dan inovatif terutama pala pelaku ekonomi, penguasaan teknologi menjadi syarat mutlak dalam membangun usaha bagi pemula dan  pengembangan usaha bagi yang sudah menjadi pelaku usaha. Penelitian ini bertujuan untuk mengetahui bagaimana pola konsumsi yang sesuai dengan prinsip-prinsip islam, dan melihat pola e-commerce dalam sudut pandang islam. Penelitian ini menggunakan kajian pustaka terhadap prinsip-prinsip konsumsi dalam Islam dan prinsip-prinsip dalam e-commerce. Ajaran islam mengatur semua komponen kehidupan termasuk dalam mu’amalah, konsumsi sebagai salah satu unsur mu’amalah menjadi hal yang penting untuk di pahami dan diterapkan dalam kehidupan sehari-hari, penerapan konsep konsumsi secara islami merujuk pada Al-qur’an dan Hadist, An-nahl ayat 114, di temukan pemaknaan keharusan bagi seluruh umat  manusia tidak hanya orang yang beriman saja untuk mengkonsumsi barang yang halal baik dari jenisnya  maupun halal dari segi memperolehnya, dan barang yang baik dengan tidak mengandung unsur membahayakan atau memudaratkan bagi manusia. E-commerce menggunakan akad jual beli pesan dan wakalah bilujrah dalam mekanisme dropship dan reseller.