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Fitur Transaksi Platform Gojek: Paylater dalam Tinjauan Hukum Islam dan Fatwa No. 116/DSN-MUI/IIX/2017 tentang Uang Elektronik Syariah Yenni Batubara
El-Mashlahah Vol 11, No 1 (2021)
Publisher : INSTITUT AGAMA ISLAM NEGERI PALANGKA RAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/elma.v11i1.2626

Abstract

Lending and borrowing in the millennial era are not limited to face to face. The emergence of FinTech makes it easy for people to transact with various products, one of which is online credit. With online credit, people can shop now and pay later with the PayLater feature. The PayLater feature is widely used by various platforms, one of which is Gojek and its PayLater Gojek. Gojek PayLater provides loans of up to IDR 500,000 / month for users which can be used to transact on the Gojek application only by ordering various services. This feature can be used by Gojek platform users in accordance with the provisions set by Gojek PayLater. So this research aims to determine whether the concept of borrowing and borrowing (qarad) Gojek PayLater is in accordance with the Islamic Syariat, which will be analyzed using the concept of qarad, and Fatwa No. 116 /DSN-MUI/IX/2017 About Sharia Electronic Money. The research method used is an empirical study with a socio-legal research approach, and analyzed by inductive descriptive techniques. Based on the results of the analysis carried out, it can be concluded that the implementation of the Gojek PayLater e-money qaradh contract has met the pillars of qarad, but the qarad requirements in particular have not been fulfilled and the conditions set by Gojek for the use of the PayLater feature are not in accordance with the provisions of the DSN-MUI fatwa.Keywords: PayLater, Gojek, and Islamic Law.Pinjam meminjam di era milenial ini tidak terbatas dengan tatap muka saja. Munculnya FinTech memberi kemudahan bagi masyarakat dalam bertransaksi dengan berbagai produknya, salah satu di antaranya adalah kredit online. Dengan kredit online masyarakat bisa berbelanja sekarang dan bayarnya nanti dengan fitur PayLater. Fitur PayLater banyak digunakan oleh berbagai platform, salah satunya adalah Gojek dengan Gojek PayLater-nya.   Gojek PayLater memberi pinjaman hingga Rp 500.000,- /bulan untuk penguna, yang dapat digunakan untuk bertransaksi pada aplikasi Gojek saja dengan memesan berbagai layanannya. Fitur ini dapat digunakan pengguna platform Gojek sesuai dengan ketentuan yang ditetapkan oleh Gojek PayLater. Sehingga penelitian ini bertujuan untuk mengetahui apakah konsep pinjam meminjam (qarad) Gojek PayLater telah sesuai dengan Syariat Islam, yang akan dianalisis dengan menggunakan konsep qarad, dan Fatwa No. 116/DSN-MUI/IX/2017 Tentang Uang Elektronik Syariah. Motode penelitian yang digunakan adalah  studi empiris dengan pendekatan penelitian sosio-legal, dan dianalisis dengan teknik deskriptif induktif. Berdasarkan hasil analisis yang dilakukan dapat disimpulkan bahwa pelaksanaan akad qarad uang elektronik Gojek PayLater telah memenuhi rukun qarad, tetapi syarat-syarat qarad secara khusus belum terpenuhi dan ketentuan yang ditetapkan oleh Gojek untuk penggunaan  fitur PayLater belum  sesuai dengan ketentuan fatwa DSN-MUI.Kata Kunci: PayLater, Gojek, dan Hukum Islam.
ANALISIS MASLAHAH: PASAR MODAL SYARIAH SEBAGAI INSTRUMEN INVESTASI DI INDONESIA Yenni Batubara
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 7 │ No. 2 │ 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v7i2.7246

Abstract

The Capital Market is one of the investment instruments that is of interest to the public. The development of the capital market in Indonesia is not only developing conventionally, but also in sharia. Investing in the capital market in Indonesia is supported by people who in fact are Muslim towards investment instruments that comply with sharia principles. The capital market drives significant capital market growth. This study aims to look at the benefit of the capital market with normative research methods, and with descriptive data analysis techniques. From the results of the analysis conducted, it can be concluded that doing economic benefit by providing the capital market as an investment instrument in Indonesia can handle speculative practices and other practices that are not in accordance with sharia principles in capital market operations. The affirmation of the rule of law governing transactions in the capital market also fosters the Islamic capital market. For economic goals that are implemented, the benefits for the emite and investors. In addition to the benefits of the parties to the transaction, this will also encourage economic growth in accordance with the growth of the Islamic capital market in Indonesia.
Agricultural Commodity Zakat: Aspects of the Determination of 'Illat Law and Maṣlahah' Yenni Batubara
Alhurriyah Vol 6, No 1 (2021): January - June 2021
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/alhurriyah.v6i1.2696

Abstract

Nowadays, agricultural commodities are experiencing rapid growth and development with new agricultural innovations such as grafted plants and cross-breeding plants to more modern agriculture, namely hydroponics. This condition causes the agricultural products able to increase the income of farmers significantly. Agricultural products in Islamic law are one type of property that is obligatory for zakat. However, the arguments governing agricultural zakat only mention some agricultural products that are obligatory on zakat, including Jawawud, Wheat, Dates, and Raisins, so some agricultural commodities are out of the reach in these arguments, so there are no legal provisions. This research aims to see how to determine the legal provisions of zakat on agricultural or plantation commodities. This research is using literature studies method. The results of this study indicate that the product of agricultural commodities that have high economic value are qiyās on the types of fruits and grains that are obligatory for zakat, mentioned in the arguments of the Al-Qur' ān and Sunnah with various characteristics, and the functions it has, so that the provisions of agricultural zakat can be applied in issuing zakat on agricultural commodities. Then in terms of maslahah and maqasid shari'ah, the obligation of zakat on agricultural commodities can help fulfill the needs of the poor in particular, and mustahik zakat in general.Komoditas pertanian dewasa ini mengalami pertumbuhan dan perkembangan yang sangat pesat dengan inovasi pertanian yang baru seperti tanaman cangkok, tanaman hasil perkawinan silang hingga pertanian yang lebih modern yaitu hidroponik. Di mana hasil pertanian tersebut mampu meningkatkan penghasilan para petani secara signifikan. Hasil pertanian dalam hukum Islam adalah salah satu jenis harta yang wajib zakat. Tetapi, dali-dalil yang mengatur tentang zakat pertanian hanya menyebutkan beberapa hasil pertanian yang wajib zakat diantaranya, Jawawud, Gandum, Kusrma dan Kismis, maka secara tidak langsung hasil komoditas pertanian tidak tersentuh sama sekali di dalam dalil tersebut sehingga tidak ada ketetapan hukumnya. Tujuan dari penlitian ini adalah untuk melihat bagaimana penentuan ketentuan hukum dari zakat hasil komoditas pertanian atau perkebunan. Penelitian ini dilakukan dengan menggunakan studi literatur. Berdasarkan analisis yang dilakukan, hasil penelitian ini menunjukkan bahwa hasil komoditas pertanian yang memiliki nilai ekonomis tinggi di-qiyās-kan pada jenis buah-buahan dan biji-bijian wajib zakat yang disebutkan dalam dalil-dalil al-Qur’ān dan Sunnah dengan berbagai sifat dan fungsi yang dimilikinya, sehingga ketentuan-ketentuan zakat pertanian dapat diberlakukan dalam mengeluarkan zakat hasil komoditas pertanian. Kemudian dilihat dari segi maslahah dan maqāṣid syarī’ah, kewajiban zakat komoditas pertanian dapat membantu terpenuhinya kebutuhan fakir miskin khususnya, dan mustahik zakat pada umunya. 
Agricultural Commodity Zakat: Aspects of the Determination of 'Illat Law and Maṣlahah' Yenni Batubara
Alhurriyah Vol 6, No 1 (2021): January - June 2021
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1059.93 KB) | DOI: 10.30983/alhurriyah.v6i1.2696

Abstract

Nowadays, agricultural commodities are experiencing rapid growth and development with new agricultural innovations such as grafted plants and cross-breeding plants to more modern agriculture, namely hydroponics. This condition causes the agricultural products able to increase the income of farmers significantly. Agricultural products in Islamic law are one type of property that is obligatory for zakat. However, the arguments governing agricultural zakat only mention some agricultural products that are obligatory on zakat, including Jawawud, Wheat, Dates, and Raisins, so some agricultural commodities are out of the reach in these arguments, so there are no legal provisions. This research aims to see how to determine the legal provisions of zakat on agricultural or plantation commodities. This research is using literature studies method. The results of this study indicate that the product of agricultural commodities that have high economic value are qiyās on the types of fruits and grains that are obligatory for zakat, mentioned in the arguments of the Al-Qur' ān and Sunnah with various characteristics, and the functions it has, so that the provisions of agricultural zakat can be applied in issuing zakat on agricultural commodities. Then in terms of maslahah and maqasid shari'ah, the obligation of zakat on agricultural commodities can help fulfill the needs of the poor in particular, and mustahik zakat in general.Komoditas pertanian dewasa ini mengalami pertumbuhan dan perkembangan yang sangat pesat dengan inovasi pertanian yang baru seperti tanaman cangkok, tanaman hasil perkawinan silang hingga pertanian yang lebih modern yaitu hidroponik. Di mana hasil pertanian tersebut mampu meningkatkan penghasilan para petani secara signifikan. Hasil pertanian dalam hukum Islam adalah salah satu jenis harta yang wajib zakat. Tetapi, dali-dalil yang mengatur tentang zakat pertanian hanya menyebutkan beberapa hasil pertanian yang wajib zakat diantaranya, Jawawud, Gandum, Kusrma dan Kismis, maka secara tidak langsung hasil komoditas pertanian tidak tersentuh sama sekali di dalam dalil tersebut sehingga tidak ada ketetapan hukumnya. Tujuan dari penlitian ini adalah untuk melihat bagaimana penentuan ketentuan hukum dari zakat hasil komoditas pertanian atau perkebunan. Penelitian ini dilakukan dengan menggunakan studi literatur. Berdasarkan analisis yang dilakukan, hasil penelitian ini menunjukkan bahwa hasil komoditas pertanian yang memiliki nilai ekonomis tinggi di-qiyās-kan pada jenis buah-buahan dan biji-bijian wajib zakat yang disebutkan dalam dalil-dalil al-Qur’ān dan Sunnah dengan berbagai sifat dan fungsi yang dimilikinya, sehingga ketentuan-ketentuan zakat pertanian dapat diberlakukan dalam mengeluarkan zakat hasil komoditas pertanian. Kemudian dilihat dari segi maslahah dan maqāṣid syarī’ah, kewajiban zakat komoditas pertanian dapat membantu terpenuhinya kebutuhan fakir miskin khususnya, dan mustahik zakat pada umunya. 
Fitur Transaksi Platform Gojek: Paylater dalam Tinjauan Hukum Islam dan Fatwa No. 116/DSN-MUI/IIX/2017 tentang Uang Elektronik Syariah Yenni Batubara
El-Mashlahah Vol 11, No 1 (2021)
Publisher : Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/elma.v11i1.2626

Abstract

Lending and borrowing in the millennial era are not limited to face to face. The emergence of FinTech makes it easy for people to transact with various products, one of which is online credit. With online credit, people can shop now and pay later with the PayLater feature. The PayLater feature is widely used by various platforms, one of which is Gojek and its PayLater Gojek. Gojek PayLater provides loans of up to IDR 500,000 / month for users which can be used to transact on the Gojek application only by ordering various services. This feature can be used by Gojek platform users in accordance with the provisions set by Gojek PayLater. So this research aims to determine whether the concept of borrowing and borrowing (qarad) Gojek PayLater is in accordance with the Islamic Syariat, which will be analyzed using the concept of qarad, and Fatwa No. 116 /DSN-MUI/IX/2017 About Sharia Electronic Money. The research method used is an empirical study with a socio-legal research approach, and analyzed by inductive descriptive techniques. Based on the results of the analysis carried out, it can be concluded that the implementation of the Gojek PayLater e-money qaradh contract has met the pillars of qarad, but the qarad requirements in particular have not been fulfilled and the conditions set by Gojek for the use of the PayLater feature are not in accordance with the provisions of the DSN-MUI fatwa.