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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) International Journal of Social Science, Education, Communication and Economics Causa: Jurnal Hukum dan Kewarganegaraan Journal of Islamic Studies
Aminulloh, Ali
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Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Pengaruh Pembiayaan Murabahah dan Musyarakah Terhadap Profitabilitas Bank Syariah Di Indonesia Periode 2019-2021 Aminulloh, Ali; Khoirun Khasanah, Nur Laila; Zaytun, Nurul
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.762

Abstract

Banking is one of the Islamic financial instruments that plays an important role in developing the people's economy through various types of financing based on sharia principles. Murabaha and musyarakah financing are types of financing in Islamic banks which are a favorite among the public. The author wants to reveal how big the contribution made by the two financing is to the profitability of Islamic banks in Indonesia. The purpose of this research is to determine the significant effect of murabaha and musyarakah financing, both partially and simultaneously on the profitability of Islamic banks in Indonesia in the 2019-2021 period. The methodology used is a descriptive quantitative approach with data analysis techniques using multiple linear regression. The data collection technique uses documentation techniques where the data is oriented to secondary data which will then be processed with SPSS 25 software. The results of this study found that: the significance level test was 0.000 and the ttest result was 4.450. So the significance level is 0.000 <0.05 and the tcount > ttable (4.450 > 2.035) means that Ha is accepted and Ho is rejected. The results of the multiple linear regression test show a number of 0.228 (positive value) for the Murabahah variable so that it can be said that Murabahah financing is positively related to profitability, the test results at a significance level of 0.000 and the t-test results are 4.568. Then the significance level is 0.000 <0.05 and the tcount > ttable (4.568 > 2.035) means that Ha is accepted and Ho is rejected and the results of the multiple linear regression test show the number 0.228 (positive value) for the Murabahah variable so that it can be said that Murabahah financing is positively related with profitability. The results of the significance level test were 0.000 and the t-count test results were 10.591. So the significance level is 0.000 <0.05 and the tcount > ttable (10.591 > 3.275) means that Ha is accepted and Ho is rejected. This states that murabaha and musyarakah financing have a significant effect on profitability.
IMPLEMENTASI AKAD ISTISHNA’ PADA PEMESANAN PAKAIAN DI GARMEN AL-ZAYTUN Fitria, Annisa; Rojak Samsudin, Agus; Aminulloh, Ali
Causa: Jurnal Hukum dan Kewarganegaraan Vol. 6 No. 2 (2024): Causa: Jurnal Hukum dan Kewarganegaraan
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3783/causa.v6i2.5852

Abstract

Abstract: The purpose of this study is to examine the implementation of the Istishna' contract in clothing orders at Al-Zaytun Garment, the legal principles of sale and purchase in the Istishna' contract, and the practice of ordering clothing at Al-Zaytun Garment. This research employs a qualitative approach with field research as its type. Data collection was carried out through field observations, documentation, and in-depth interviews with the field coordinator of Al-Zaytun Garment and several employees involved in the clothing ordering process. The research findings indicate that the ordering process at Al-Zaytun Garment operates under strict internal controls. The process involves several stages, starting from placing the order to the retrieval of the finished goods. The implementation of the Istishna' contract in the ordering process follows Sharia principles, ensuring clarity between the buyer and the seller, where the garment staff is responsible for fulfilling the order criteria, while the buyer specifies the criteria and makes the payment. Keywords: Istishna' contract, ordering, clothing, Garment
PELAKSANAAN ZAKAT PERTANIAN KAKAO DALAM PERSPEKTIF HUKUM ISLAM: (STUDI KASUS DI DESA MAJA KECAMATAN MARGA PUNDUH KABUPATEN PESAWARAN PROVINSI LAMPUNG) Saefudin, Akhmad; Iswandi, Irvan; Aminulloh, Ali
Journal of Islamic Studies Vol 1 No 1 (2023): Journal of Islamic Studies (Juli)
Publisher : Journal of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61341/jis/v1i1.007

Abstract

Zakat is part of the assets that must be issued by Muslims. Results from agriculture that have economic value must also be issued zakat. Agricultural zakat is zakat maal or wealth zakat resulting from agriculture or plantations that has economic value, and is usually used for human consumption. The amount of zakat is regulated in the book of Islamic jurisprudence. Most of the residents of Maja Village work as farmers, especially cocoa producers.The author is motivated by curiosity about how the implementation of agricultural zakat in Maja Village. In accordance with the research objective, namely to determine the implementation of agricultural zakat in Maja Village, Marga Punduh District, Pesawaran Regency, Lampung Province. This study will also examine whether the implementation of agricultural zakat in Maja Village is in accordance with Islamic law and what factors influence its implementation. This research used descriptive qualitative with the type of field research (field research). The data collection process in this study used interview, observation, and documentation techniques. The results of the study show that the implementation of agricultural zakat in Maja Village is only 2.5% of the yield and this shows that the implementation of agricultural zakat in Maja Village does not meet the criteria of Islamic law. This is influenced by several factors, including the lack of knowledge about agricultural zakat, habitual factors, and the lack of education regarding agricultural zakat in Maja Village.
PENGELOLAAN DAN PENGEMBANGAN WAKAF PRODUKTIF DITINJAU DARI HUKUM ISLAM DAN HUKUM POSITIF Kamil, Ihsan; Rohmah, Siti Ngainnur; Aminulloh, Ali
Journal of Islamic Studies Vol 1 No 5 (2024): Journal of Islamic Studies (Maret)
Publisher : Journal of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61341/

Abstract

Wakaf merupakan pranata keagamaan dalam Islam yang memiliki hubungan langsung secara fungsional dengan upaya pemecahan masalah-masalah sosial dan kemanusiaan, seperti pengentasan kemiskinan dan pemberdayaan ekonomi umat. Tujuan penelitian ini untuk mengetahui pengelolaan wakaf di Yayasan Rindang Indonesia Kota Bekasi, dan untuk mengetahui pemanfaatan tanah wakaf di Yayasan Rindang Indonesia Kota Bekasi dalam tinjauan hukum Islam dan hukum positif. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan yuridis empiris, yaitu menganalisis permasalahan yang telah dirumuskan dengan memadukan bahan-bahan hukum baik primer, sekunder maupun tersier. Hasil penelitian ditinjau dari hukum Islam pelaksanaan pengelolaan tanaf wakaf dengan sistem muzara’ah dengan sistem bagi hasil pihak pengelola mendapat bagian 50 persen dan Yayasan Rindang Indonesia Kota Bekasi mendapatkan 50 persen setelah dipotong modal yang dikeluarkan oleh phak Yayasan Rindang Indonesia Kota Bekasi. Kerjasama pengelolaan dan pengembangan tanah wakaf ini sudah memenuhi syarat-syarat muzara’ah yakni berakal (mumayyiz), kejelasan tanaman yang akan ditanam dalam hal ini (padi), dan pembagian hasil panen. Ditinjau dari hukum positif bahwa kerjasama antara Yayasan Rindang Indonesia Kota Bekasi dan pengelola sudah sesuai pasal 6 Undang-Undang Pokok Agraria, karena memiliki fungsi sosial yaitu untuk mensejahterakan masyarakat.
TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK KERJASAMA USAHA PERTANIAN DENGAN SISTEM MUZARA'AH Yuli Surahmantara, Latri; Aminulloh, Ali
Journal of Islamic Studies Vol 1 No 5 (2024): Journal of Islamic Studies (Maret)
Publisher : Journal of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61341/

Abstract

Tanah atau lahan merupakan hal yang penting dalam sektor pertanian. Ajaran Islam menganjurkan apabila seorang memiliki tanah atau lahan pertanian maka ia harus memanfaatkan dan mengelolanya. Pengolahan lahan pertanian tersebut dapat dilakukan dengan berbagai cara yaitu dengan menggunakan sistem mukhabarah dan muzara’ah. Mukhabarah merupakan kerjasama pengolahan pertanian antara pemilik lahan dan penggarap atau pengelola, dimana pemilik lahan meminjamkan lahan pertaniannya kepada si penggarap untuk ditanami dan dipelihara dengan bagian tertentu dari hasil panen. Ada sedikit perbedaan yaitu muzara’ah modal berasal dari pemilik lahan dan mukhabarah modal berasal dari penggarap. Penelitian ini menggunakan pendekatan yuridis sosiologi dan menggunakan penelitian hukum empiris atau penelitian lapangan (field research). Data yang digunakan adalah data primer dan sekunder, pengambilan data dengan metode observasi, wawancara, kepustakaan dan dokumentasi. Sumber data primer dalam penelitian ini diperoleh dari hasil wawancara yang dilakukan kepada pemilik sawah dengan petani penggarap, Kabupaten Karawang. Sumber data sekunder berupa dokumen-dokumen atau yang diperoleh dari buku-buku, artikel, surat kabar yang terkait dengan permasalahan ini. Hasil penelitian ini menunjukkan bahwa 1) Dalam praktek kerjasama yang dilakukan di Desa Pulojaya khususnya dalam mata pencaharian pertanian terdapat dua unsur kerjasama yaitu antara petani dan pemilik lahan pertanian. Adapun sistem kerjasama antara pemilik tanah dan petani di desa Pulo Jaya adalah melakukan perjanjian kerjasama, menentukan batas waktu, mengatur permodalan dan pembagian laba serta membentuk kesepakatan dalam perjanjian kerjasama. 2) Sistem Muzara’ah merupakan sistem yang dilakukan kebanyakan orang pada bidang pertanian. Rukun dan syarat muzara’ah dalam pertanian di desa Pulojaya sudah memenuhi hukum dalam Islam. Rukun dalam muzara’ah antara lain adanya pemilik lahan, adanya petani penggarap, adanya objek muzara’ah yaitu antara manfaat lahan dan hasil kerja pengelola dan adanya ijab kabul.
ANALISIS RAGAM TRANSAKSI JUAL BELI DI PASAR MODERN DAN TRADISIONAL DALAM PANDANGAN EKONOMI SYARIAH Kasto; Aminulloh, Ali
Journal of Islamic Studies Vol 1 No 5 (2024): Journal of Islamic Studies (Maret)
Publisher : Journal of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61341/

Abstract

Pasar tradisional di Kecamatan Pagaden Kabupaten Subang yang lebih dulu ada dibandingkan Minimarket dan Swalayan yang sekarang ada secara tidak langsung merasakan dampak dari kehadiran Minimarket dan Swalayan. Banyak masyarakat yang tinggal disekitar pasar kini beralih memilih belanja di Minimarket maupun Swalayan dengan alasan lebih lengkap dan nyaman atau sekedar melihat- lihat, meskipun sebenarnya produk-produk yang ada di Minimarket atau Swalayan pun tersedia di pasar tradisional. Selain itu ruang bersaing pedagang pasar tradisional kini juga mulai terbatas, kalau selama ini pasar tradisional di kecamatan  Pagaden Kabupaten Subang dianggap unggul dalam memberikan harga relatif rendah untuk banyak komoditas. Tujuan pada penelitian ini untuk mengetahui Ragam Transaksi Jual Beli dan untuk mengetahui persamaan dan perbedaan antara transaksi pasar modern dan tradisional serta Pandangan Ekonomi Syariah di Kecamatan Pagaden Kabupaten Subang. Penelitian ini menggunakan metode penelitian kualitatif. Sumber data primer dalam penelitian ini didapatkan melalui informan yaitu pedagang pasar modern dan tradisional. Terkait sumber data sekunder yang digunakan berupa dokumentasi terkait pasar modern dan pasar tradisoanal. Hasil penelitian ini menunjukkan bahwa 1) Di pasar modern, interaksi antara pembeli dan penjual cenderung lebih bersifat formal dan kurang personal. Menariknya, transaksi di pasar modern bersifat tunai dan non tunai. Pembeli dapat melakukan pembayaran menggunakan kartu dan dompet digital. Sedangkan di pasar tradisional, interaksi antara pembeli dan penjual lebih bersifat personal dan intim Transaksi di pasar tradisional hanya dilakukan secara tunai. Ciri bertransaksi adalah selalu ada negosiasi budaya. Perbedaannya sangat jelas namun keduanya mempunyai persamaan yaitu adanya akad dalam bertransaksi, adanya barang dan produk yang dibeli konsumen dan dijual oleh pelaku usaha. 2) Pasar modern dan pasar tradisional di Kecamatan Pagaden Kabupaten Subang ditinjau dari sudut pandang umat Islam sama-sama bernilai karena sama-sama memenuhi syarat kerukunan dan hukum. Di pasar modern dan tradisional, ada orang yang menandatangani akad, kemudian ketika dilaksanakan ada Sighat (kewajiban), barang yang dijual dan nilai tukar barang pada saat itu juga titik transaksi. Selain itu, barang harus segar dan langkah penetapan harga secara umum tepat sehingga persaingan sehat dan tidak ada unsur penipuan.
Muzâra'ah As a Model and Practice of Pesantren Agricultural Cooperation in Improving the Welfare of Farmers in West Java Aminulloh, Ali; Janwari, Yadi; Nurrohman, Nurrohman; Suntana, Ija
International Journal of Social Science, Education, Communication and Economics (SINOMICS JOURNAL) Vol. 2 No. 6 (2024): February
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sj.v2i6.257

Abstract

This research is motivated by the fact that there is still a lot of unproductive agricultural land in West Java, even though the agricultural sector contributes a lot to the community's economy. There needs to be an effort to involve various components of society, especially Islamic boarding schools, in increasing the productivity of agricultural land through cooperation using the muzâra'ah system involving many parties to improve the welfare of farmers and Islamic boarding schools. The aim of this research is to analyze and discover land management practices, cooperation models, and the impact of agricultural cooperation on the welfare of farmers in West Java. This research is field research using a qualitative approach. The research results show that, First, agricultural land management practices in West Java are collaborated with various parties, both internal Islamic boarding schools such as students, teachers and administrators as well as with the surrounding farming community. The two Islamic boarding school agricultural collaborations with the muzâra'ah system in West Java were expanded in scope, not just farmers and landowners, but there were elements of academics, government, the business world, financial institutions, markets and non-governmental organizations. Islamic boarding schools innovate agricultural cooperation with the quintuple helix model using multi contracts, namely connecting these parties to optimize the agricultural business being collaborated. Islamic boarding schools also build aspects of farmers' spirituality through guidance on the application of religious values in agricultural cooperation. Third, Islamic boarding school agricultural cooperation is able to absorb agricultural labor, so that farmers are able to improve their economy, have permanent jobs and increase their religious understanding and practice.
Co-Authors Annisa Fitria Irvan Iswandi Kamil, Ihsan Kasto Khoirun Khasanah, Nur Laila Nurrohman Nurrohman Rohmah, Siti Ngainnur Rojak Samsudin, Agus Saefudin, Akhmad Suntana, Ija Yadi Janwari Yuli Surahmantara, Latri Zaytun, Nurul