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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Asy-Syari'ah El-Mashlahah Al-Amwal : Journal of Islamic Economic Law Tawazun: Journal of Sharia Economic Law Journal of Islamic Economic Laws El-Furqania : Jurnal Ushuluddin dan Ilmu-Ilmu Keislaman JURNAL HUKUM ISLAM EkBis: Jurnal Ekonomi dan Bisnis Al Maal: Journal of Islamic Economics and Banking Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah Qawanin: Journal of Economic Syaria Law Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Jurnal Hukum Islam
Muhamad Izazi Nurjaman
UIN Sunan Gunung Djati Bandung
Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Fund Ownership of Sharia Banking According to Islamic Economic Political Perspective Muhamad Izazi Nurjaman
EkBis: Jurnal Ekonomi dan Bisnis Vol 5, No 2 (2021): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2021.5.2.1377

Abstract

The concept of ownership in Islamic economics states that individuals or legal entities that have the right to ownership of a property may use it freely as long as it does not violate Islamic economic principles and the public interest. However, for Islamic banking, the ownership of funds used as business capital comes from investor customers who deposit their funds in Islamic banks. This has an effect on the ownership status of these funds. This article uses a descriptive literature research method taken from various factual references with a focus on using a normative juridical approach. This type of research is qualitative research using data analysis through several steps such as focusing data, presenting funds and drawing conclusions. The results of this study reveal the fact that the ownership rights of funds in Islamic banking are sourced from the first party funds as the bank's founder, the second party funds as shareholders and third party funds as investor customers. Ownership of these funds cannot be separated from the contract mechanism used. So that the contract used is the cause of Islamic banks having ownership rights to use these assets for business activities. The use of these funds is guaranteed by law, which shows the role of Islamic economic politics through the legal umbrella that regulates the operational system of Islamic banking, especially in the permitting of the use of investor funds for business activities through the mechanism of channeling funds and service mechanisms.
The Relevance of the Theory of Legal Change According to Ibnu Qayyim Al-Jauziyyah in Legal Products by Fatwa DSN-MUI Indonesia Muhamad Izazi Nurjaman; Doli Witro
El-Mashlahah Vol 11, No 2 (2021)
Publisher : INSTITUT AGAMA ISLAM NEGERI PALANGKA RAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/elma.v11i2.3181

Abstract

ABSTRACTThe study described the relevance of the theory of legal change according to Ibnu Qayyim al-Jauziyyah to the legal product of the fatwa DSN-MUI (Fatwa National Sharia Board-Indonesian Council of Ulama) in Indonesia. It used a qualitative research method with a literary approach. The conclusions showed that the relevance of the theory of legal change proposed by Ibn Qayyim al-Jauziyyah has been applied explicitly in every legal product of the fatwa DSN-MUI in Indonesia. That seen in every legal product, always give the way for future changes following the needs and problems faced. Changes to Islamic legislation products have significant differences. On laws and regulations and judges' decisions, new legal products will cancel or revoke the previous legal. And, for the legal product of a fatwa from the National Syari'ah Board (DSN-MUI), the newly legal product will complete the previous one. However, legal changes will always occur in the context of providing legal certainty, accompanied by the level of benefit for people's lives.Keywords: Legal Changes, Ibn Qayyim, Products of Islamic Law.ABSTRAKPenelitian ini menjelaskan tentang relevansi teori perubahan hukum menurut Ibnu Qayyim al-Jauziyyah terhadap produk hukum fatwa DSN-MUI di Indonesia. Artikel ini menggunakan metode penelitian kualitatif yang bersifat kepustakaan. Hasil penelitian menunjukkan bahwa relevansi teori perubahan hukum yang digaungkan oleh Ibnu Qayyim al-Jauziyyah sudah diberlakukan secara eksplisit dalam setiap produk hukum fatwa DSN-MUI di Indonesia. Hal itu dapat dilihat dalam setiap batang tubuh produk hukum yang selalu membuka jalan untuk adanya perubahan dikemudian hari sesuai dengan kebutuhan dan problematika yang dihadapi. Perubahan terhadap produk hukum Islam memiliki perbedaan yang signifikan. Bagi peraturan perundang-undangan dan putusan hakim, ketentuan hukum baru akan membatalkan/mencabut ketentuan hukum sebelumnya. Sedangkan terhadap ketentuan hukum berupa fatwa Dewan Syari’ah Nasional (DSN-MUI), ketentuan hukum baru akan menyempurnakan ketentuan hukum sebelumnya. Namun sejatinya perubahan hukum akan selalu terjadi dalam rangka menciptakan produk hukum yang dapat memberikan kepastian hukum disertai pencapaian tingkat kemaslahatan bagi kehidupan masyarakat.Kata Kunci: Perubahan Hukum, Ibnu Qayyim, Produk Hukum Islam.
PERLINDUNGAN KONSUMEN TERHADAP JUAL BELI COKLAT SILVER QUEEN BLOCK DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Dewi Amrom Musta’idah; Yumna Hasna’ Azizah; Doli Witro; Dena Ayu; Muhamad Izazi Nurjaman
Al-Amwal : Journal of Islamic Economic Law Vol 6, No 2 (2021): AL-AMWAL : JOURNAL OF ISLAMIC ECONOMIC LAW
Publisher : Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v6i2.2376

Abstract

Buying and selling silver queen block chocolate is currently in great demand by consumers. However, there are several problems in buying and selling chocolate in practice, including the lack and incompatibility of information about the chocolate being sold. This study highlights consumer protection for buying and selling silver queen block products and the responsibility of business actors to buy and sell silver queen block products in the marketplace. The research, including normative juridical research, is legal research using a literature review. The study results show that consumer protection against buying and selling silver queen block chocolate is in the form of the right for consumers to know the factual information about the purchased silver queen block chocolate. Meanwhile, if the consumer feels aggrieved as a result of consuming the chocolate, the buyer receives compensation from the seller in the form of a refund and replacement of goods equivalent to or following the value of the goods returned, this regulation is following applicable law with Article 19 of Law Number 8 of 1999 concerning Consumer Protection. When viewed from the perspective of sharia economic law, the concept of khiyar in online buying and selling is able to provide protection for buyers when the goods ordered are not in accordance with expectations and the application of the khiyar concept in practice will create transactions that provide benefits and avoid harm. 
Subjek Hukum dan Objek Hukum: Sebuah Tinjauan Hukum Islam, Pidana dan Perdata Doli Witro; Mhd. Rasidin; Muhamad Izazi Nurjaman
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol 6 No 1 (2021): Asy-Syar'iyyah Juni 2021
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v6i1.1611

Abstract

When discussing syara’ law, it is always bound by four things, namely al-Hakim, law, mahkumalaih, and mahkumfih. In various legal studies, there are various views in determining that a person can be subject to law, or in other words, capable of law. In essence, everyone is a good bearer, that is, someone who has rights and obligations. Rights bearers are also known as legal subjects. The term legal subject in the discipline of Islamic law is mentioned as mahkumalaih. If there is a legal subject, it will always go hand in hand with a legal object. In the discipline of Islamic law, the object of the law is also called mahkumfih. This article aims to discuss mahkumalaih and mahkumfih in the discipline of Islamic law. The study uses a qualitative approach that is a literature review. The materials for this article were obtained from books, journals, and internet websites related, namely mahkumalaih, and mahkumfih. The data analysis techniques used were data presentation, data reduction, and conclusion drawing. The findings showed that mahkumfih is a legal object or is interpreted as an act of mukallaf based on Allah and the Prophet’s command. In the discussion of legal objects, it cannot be separated from the legal subject. In ushulfiqh the subject of law is called mahkumalaih.
EKSISTENSI KEDUDUKAN FATWA DSN MUI TERHADAP KEBERLANGSUNGAN OPERASIONAL BISNIS DI LEMBAGA KEUANGAN SYARIAH Muhamad Izazi Nurjaman; Dena Ayu
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 9 No. 2 (2021): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v9i2.245

Abstract

Penelitian ini membahas tentang eksistensi kedudukan fatwa DSN MUI terhadap keberlangsungan operasional bisnis di lembaga keuangan syariah. Dengan menggunakan metode penelitian deskriptif yang bersifat kepustakaan, penelitian ini menemukan fakta bahwa kedudukan fatwa DSN MUI menjadi salah satu prasyarat dalam menentukan ketetapan suatu produk di lembaga keuangan syariah. Ketika produk yang di ajukan oleh DPS masing-masing lembaga keuangan syariah mendapatkan ketentuan fatwa dari DSN MUI. Maka produk perbankan syariah itu telah sesuai dengan tuntunan syariat Islam serta ketentuan fatwa tersebut menjadi payung hukum dalam menjalankan produk yang menjadi daya tarik bagi para nasabah. Apalagi sampai dilegitimasi oleh undang-undang maupun Peraturan Bank Indonesia. Sehingga fatwa DSN MUI tersebut mejadi ketentuan hukum yang mengikat bagi seluruh lembaga keuangan syariah. Dengan demikian, ketentuan fatwa tersebut secara tidak langsung menjadi salah satu faktor yang menentukan keberlangsungan segala operasional bisnis di lembaga keuangan syariah yang memiliki manfaat dan keberkahan bagi semua pihak yang menjalankannya, baik itu bagi LKS sebagai otoritas yang memiliki penawaran produk maupun bagi nasabah sebagai pemakai produk
Praktik Riba Dan Bunga Bank: Telaah Etika Dalam Ekonomi Islam Muhamad Izazi Nurjaman; Syahrul Anwar
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 10 No. 1 (2022): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v10i1.296

Abstract

Kedudukan etika dalam sistem ekonomi Islam merupakan satu kesatuan yang tidak dapat dipisahkan sebagai indikator suatu bisnis dapat dilakukan berdasarkan prinsip ekonomi Islam. Salah satu perilaku bisnis yang tidak sesuai dengan etika ekonomi Islam adalah praktik riba. Sehingga Allah SWT mengharamkan praktik tersebut secara mutlak. Namun dalam perkembangnnya, terdapat konsep bunga bank yang memiliki kriteria yang sama dengan konsep riba. Sehingga terjadi gejolak pemikiran di antara para ulama cendekiawan muslim yang melahirkan perbedaan ketetapan hukum yang berakibat kepada kedudukan etika bisnis dalam praktik suku bunga tersebut. Artikel ini menggunakan metode deskriptif yang bersifat kepuastakaan. Sehingga literatur pustaka menjadi sumber data primernya. Adapun jenis penelitian ini termasuk kedalam bentuk penelitian kualitatif dengan sebuah teknis analisis data yang memberikan sebuah kesimpulan dalam bentuk fakta dan keterangan. Hasil penelitian ini mengungkapkan fakta bahwa kedudukan praktik riba yang diharamkan mengandung unsur kedzaliman dan ketidakseimbangan norma hukum dalam bisnis. Adapun berkaitan dengan penerapan etika terhadap bunga bank didasarkan kepada pandangan ulama terkait kedudukan bunga bank sama atau tidak kedudukannya dengan konsep riba. Namun dalam perkembangannya, kedudukan konsep bunga bank dapat digantikan dengan konsep bagi hasil dengan keberanekaragaman akadnya, sehingga memberikan kepastian hukum dan kemaslahatan terhadap kegiatan bisnis yang selalu memperhatikan etika ekonomi Islam dalam penerapannya.
The Relevance of the Theory of Legal Change According to Ibnu Qayyim Al-Jauziyyah in Legal Products by Fatwa DSN-MUI Indonesia Muhamad Izazi Nurjaman; Doli Witro
El-Mashlahah Vol 11, No 2 (2021)
Publisher : Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/elma.v11i2.3181

Abstract

The study described the relevance of the theory of legal change according to Ibnu Qayyim al-Jauziyyah to the legal product of the fatwa DSN-MUI (Fatwa National Sharia Board-Indonesian Council of Ulama) in Indonesia. It used a qualitative research method with a literary approach. The conclusions showed that the relevance of the theory of legal change proposed by Ibn Qayyim al-Jauziyyah has been applied explicitly in every legal product of the fatwa DSN-MUI in Indonesia. That seen in every legal product, always give the way for future changes following the needs and problems faced. Changes to Islamic legislation products have significant differences. On laws and regulations and judges' decisions, new legal products will cancel or revoke the previous legal. And, for the legal product of a fatwa from the National Syari'ah Board (DSN-MUI), the newly legal product will complete the previous one. However, legal changes will always occur in the context of providing legal certainty, accompanied by the level of benefit for people's lives.
Transformasi Akad Natural Uncertainty Contracts: Analisis Akad Musyarakah Mutanaqishah (MMQ) di Lembaga Keuangan Syariah Muhamad Izazi Nurjaman; Helmi Muti Sofie; Istianah Istianah
TAWAZUN : Journal of Sharia Economic Law Vol 5, No 1 (2022): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v5i1.13871

Abstract

This research is motivated by the murabahah contract which is widely used by LKS in product development due to its nature which includes natural certainty contracts. So that it provides income certainty and has a lower risk than cooperation contracts (musyarakah and mudharabah) which are natural uncertainty contracts. However, in its development there is a musyarakah mutanaqishah contract which is a hybrid contract by combining musyarakah, ijarah and buying and selling contracts. Meanwhile, ijarah and buying and selling contracts are natural certainty contracts. This research will reveal the transformation of natural uncertainty contracts on the analysis of musyarakah mutanaqishah contracts in LKS. This study uses a normative juridical approach which is described by a descriptive method of literature from primary data sources and also secondary data. The type of this research is qualitative research with data analysis techniques in the form of focusing data, presenting data and drawing conclusions. The results of this study reveal the fact that there is a transformation of musyarakah contracts, which include natural uncertainty contracts, into musyarakah mutanaqishah contracts, which are hybrid contracts with business activities using ijarah contracts and buying and selling as natural certainty contracts. So that this contract provides income certainty and has low risk and can be used as a contract choice by LKS in developing financing products.
Analisis Perbandingan Fatwa-Fatwa DSN-MUI Tentang Akad Pengalihan Utang Di Lembaga Keuangan Syariah Muhamad Izazi Nurjaman; Dena Ayu; Doli Witro; Helmi Muti Sofie; Istianah Istianah
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 1 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i1.5990

Abstract

Peneltian  ini dilatarbelakangi dengan adanya dua fatwa DSN-MUI mengenai produk pengalihan utang yang memiliki skema alternatif akad hybrid contract yang berbeda-beda. Sehingga penelitian ini mengungkap analisis perbandingan fatwa DSN-MUI tentang akad pengalihan utang di LKS. Artikel ini merupakan penelitian hukum ekonomi syariah dengan menggunakan pendekatan yuridis normatif. Sehingga dipaparkan dengan menggunakan metode deskriptif kepustakaan. Data diambil secara langsung dalam bentuk data primer berupa fatwa DSN-MUI dan data sekunder dari berbagai literatur yang berkaitan dengan objek penelitian. Data yang digunakam dalam artikel ini adalah data kualitatif. Teknik analisis data yang dilakukan dengan tiga mekanisme yaitu kondensasi data, menyajikan data dan menarik benang merah sebagai suatu kesimpulan. Hasil penelitian ini mengungkapkan fakta bahwa perlu adanya pembaharuan Fatwa Nomor 31 Tahun 2002 dalam rangka menambah keberagaman akad yang sesuai dengan kebutuhan pelaku LKS dengan memperhatikan prinsip akad yang digunakan. Pembaharuan tersebut yaitu menambahkan akad hiwalah bi al-ujrah dan akad MMQ dalam skema alternatif akad produk pengalihan utang nasabah di LKK kepada LKS. Sehingga memberikan kepastian hukum mengenai penggunaan skema akad pengalihan utang yang sesuai dengan prinsip ekonomi syariah.
KEPERANTARAAN (WASATHAH) DAN PENERAPAN AKAD YANG TERJADI DI DALAMNYA Muhamad Izazi Nurjaman; Arzam Arzam; Doli Witro
EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 1 (2022)
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This article is motivated by the rapid development of the intermediary business which is very much needed in the marketing mechanism. Intermediary in sharia economic law includes new contracts. However, in practice the use of intermediary contracts is schemed in other forms of contracts, such as in the DSN-MUI fatwa on intermediary. Therefore, this article will reveal the intermediary and application of the contract that occurs in it. This article is a study of sharia economic law by taking into account the fiqh of muamalah maliyyah as an analytical lens. Sources of data obtained in the form of primary data sources in the form of DSN-MUI fatwa and secondary data in the form of various scientific literature in the form of books and scientific journals. By using a normative juridical approach that is presented through a descriptive literature method, this study finds the fact that the application of intermediary contracts (wasathah) in sharia economic law can be discussed in wakalah bi al-ujrah, ju’alah and bai’ al-samsarah contracts. So that the use of one of these contracts will affect the mechanism for implementing the contract and the benefits obtained by the wasit party, namely in the form of ujrah from the wakalah bi al-ujrah contract, ju’l from the ju’alah contract and the margin from the excess of the bai’ al-samsarah contract. This shows that the wasathah contract is a contract scheme that adapts to the practices and needs of the community for intermediary services. The implementation of these contracts provides legal certainty in their implementation in accordance with sharia economic principles.
Co-Authors Arzam Arzam Arzam Arzam Camelia Sofwan Al-Rasyid Dena Ayu Dewi Amrom Musta’idah Doli Witro Dudang Gojali Dudang Gojali Helmi Muti Sofie Istianah Istianah Iwan Setiawan Mhd. Rasidin Mualimin Mochammad Sahid Nana Herdiana Sisi Ade Linda Sofian Al-Hakim Syahrul Anwar Witro, Doli Yumna Hasna’ Azizah Zufriani Zufriani