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Strategi Penghimpunan, Pengelolaan dan Penyaluran Wakaf Tunai Winceh Herlena; Abdul Mujib
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 13, No 2 (2021): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v13i2.1857

Abstract

The type of qualitative research by using a type of purposive sampling: first use of samples with consideration and specific purpose. Second, the data in this study were collected through observation, documentation and interviews. As for the respondents to this study are four people. For knowing management and distribution of Waqf money through observation,  whereas the documentation as a supporter of the results of observation and interviews of researchers in the field. Then the data should be analysis by means of the reduction of data, presenting data and tethering conclusion.The results of this research show that collecting, management and distribution strategy of cash endowments Baitul Maal Indonesia BMT BIF includes two steps : internal and external. Collecting the internal way include directors, managers, employees and members. While the external covering, collecting the way the general public, study of social media, brochures, which include Facebook, WhatsApp, Instagram, Website. Strategy management of cash by means of Waqf invested towards Tanwil Bina Ihsanul Fikri. While channeling cash endowments Baitul Maal BMT BIF to orphanages and boarding schools Al-Amin, entrepreneurial, small-scale village boarding school, mentoring Da'i-dai coastal and other social activities. Keywords : Cash Endowments; BMT; Social Media.
Pendekatan dalam Penyelesaian Sengketa Pasar Modal Asih Ulum Sari; Fauziah Nur Lubis; Abdul Mujib
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 13, No 1 (2021): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v13i1.2300

Abstract

Pasar modal ialah sistem keuangan yang terorganisasi yang mempertemukan antara pemilik saham dan pemodal yang memiliki jangka waktu tertentu baik secara langsung maupun melalui perantara. Dalam paper ini membahas salah satu jenis pasar modal yaitu sengketa repo (repurchase agreement). Permasalahan yang terjadi, pelanggaran hukum dipasar modal dipastikan merugikan pasar modal, terutama manipulasi harga saham. Adapun paper ini menggunakan pendekatan Undang-Undang. (statute approach) yaitu Undang-Undang (UU) No. 8 tahun 1995 tentang pasar modal.Hasil penulisan paper ini tertuang khususnya pada  pasal 91 dan 92. Pada pasal 91 disebutkan bahwa setiap pihak dilarang melakukan tindakan, baik langsung maupun tidak langsung, dengan tujuan untuk menciptakan gambaran semua atau menyesatkan mengenai kegiatan perdagangan, keadaan pasar, harga efek di bursa efek. Pasal 92 juga menambahkan setiap pihak baik sendiri-sendiri maupun bersama-sama dengan pihak lain, dilarang melakukan transaksi efek atau lebih, baik langsung maupun tidak langsung sehingga menyebabkan harga efek di bursa efek tetap, naik, atau turun dengan tujuan memengaruhi pihak lain untuk membeli, menjual atau menahan efek. Kata Kunci: Pasar Modal; Pelanggaran Hukum; Sengketa
EKSEKUSI JAMINAN DALAM PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH Robi’ah Awaliyah; Abdul Mujib
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6, No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12746

Abstract

This article is a library research with research data sources sourced from primary and secondary sources. The primary data sources in this study are the Qur'an, hadith, laws, and fatwa. While the secondary sources are books, journals, theses, websites and others. The data analysis method used is a qualitative-descriptive analysis method. One of the financing contracts used by prospective customers to Islamic banks in meeting customer needs is murabahah. Murabahah is a term in Islamic jurisprudence which means a certain form of buying and selling when the seller states the cost of acquiring the goods, including the price of the goods and other costs incurred to obtain the goods, and the desired level of profit (margin). In supporting the continuity of the murabahah contract, Islamic banks need guarantees to minimize risk, for customers who break their promises. Efforts to resolve customer problems in murabahah financing are carried out in 2 (two) stages, namely rescue efforts and settlement efforts. The final solution if the customer has not been able to pay off the debt is by executing the collateral, either by taking over the collateral by the bank, selling it voluntarily or selling the collateral through auction.Keywords: Murabaha, Guarantee, execution
Penyelesaian Sengketa Jaminan Fidusia Dalam Praktik Gadai Arifatul Uyun; Abdul Mujib
Al-Adl : Jurnal Hukum Vol 14, No 2 (2022)
Publisher : Fakultas Hukum, Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/al-adl.v14i2.6149

Abstract

 One form of prudence from financial institutions is to ask for a fiduciary assurance from debtors to guarantee debt repayment or fulfillment of the contract in accordance with the agreement. In a fiduciary assurance, the goods that become the fiduciary object cannot be transferred to a third party either by being sold, pawned, and so on without the written permission of the debtor. Debtors who transfer the object of fiduciary security with pledges and defaults, then there are efforts made to resolve them. This research is qualitative research using the descriptive-analytical method. The approach used in this study is a normative juridical approach, by examining the settlement of disputes in fiduciary assurance which are transferred with a pledge by the debtor. The results of this study indicate that a fiduciary assurance is an additional agreement that previously contained a main agreement by the parties, while the object of a fiduciary assurance is movable and immovable goods, tangible or intangible, except for mortgages, ship mortgages, mortgages airplanes, and pawns. Efforts to resolve disputes that occur in fiduciary assurance can be carried out by direct approaches, subpoenas, mediation, and execution of the fiduciary object. Disputes that occur in fiduciary assurance, are resolved first in accordance with the material rights attached to the fiduciary object, namely Droit de Preferenc and Droit de Suite rights.
THE URGENCY OF RESCHEDULING POLICY AS A SOLUTION TO SHARIA BANKING DISPUTE ON MURABAHAH AGREEMENTS Mohamad Hidayatullah A.K Husein; Abdul Mujib; Nenden Herawaty Suleman
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2106

Abstract

The purpose of the study is to examine the rescheduling of Murabahah finance as an alternative to using dialogue as a means of resolving economic issues in Islamic banking. As a result, there will be reciprocal protection and legal clarity for both parties. Therefore, normative legal research will be used in this study because it offers secondary information in the form of secondary legal material by examining or studying the notion of law as a useful tool or norm in the legal system that regulates human existence. This study falls under the category of library research. The possibility of rescheduling murabahah funding contracts in terms of time and shared objectives is studied using secondary data. Results of research The urgency of the scheduling policy undoubtedly benefits both banks and customers. Banking solutions can be discovered to resolve difficult financing issues in Murabahah contracts by discussion and consensus to find a way out of these challenges by opening this policy space and changing the thinking of customers. The bank strengthens risk management and makes sure that Sharia law is followed when implementing every policy. But in this instance, improving and overseeing management is undoubtedly preferable. Consumers who have trouble completing payments are additionally given assistance, and customers are given instructions to help them avoid this issue in the future. as well as possibilities for consumers to collaboratively draft the terms of the agreement and make the murabahah contract's provisions clear to them.
Peran Lembaga Alternatif Penyelesaian Sengketa (LAPS) dalam Penyelesaian Sengketa Margin Trading Dwi Novita; Abdul Mujib
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 5 No 1 (2023): Hukum dan Pranata Sosial Islam
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i1.2206

Abstract

The background of this research is that the capital market is also able to provide real benefits for investors, where in the capital market, parties who have excess funds can meet with parties who need funds with certain agreements so that mutually beneficial reciprocity occurs, one of the parts is margin trading. Basically, no one wants disputes with other people. However, in a business relationship or an agreement, each party must anticipate the possibility of a dispute arising at any time in the future, especially in the world of capital markets, so what is the margin trading system like? and what is the role of the Alternative Dispute Resolution Institution (LAPS) in resolving margin trading disputes? on the capital market dispute itself. The type of research used in this study is library research, which is a study whose data sources are obtained from written sources, including books, laws, journals, encyclopedias, the internet, and other written works related to object under study. The approach used in this research is normative juridical, namely studying and testing secondary data in the form of positive law. This research yields, first, margin trading is capital for investors to gain greater profits through stocks that are rising in value when they themselves do not have enough funds to buy. In addition, they will also be charged interest on the loan. In the event of default or default, the consequence is that share ownership is automatically liquidated to cover losses. One of them is forced selling. Second, in the realm of civil law, there are several ways of resolving disputes which in general are through litigation (using formal court channels) and through alternative dispute resolution.
IMPLEMENTATION OF MEDIATION IN SHARIA ECONOMIC DISPUTES IN YOGYAKARTA RELIGIOUS COURT Rivalni - Thamrin; Abdul Mujib
Al-Amwal : Journal of Islamic Economic Law Vol 8, No 1 (2023): 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.v8i1.3686

Abstract

Before bringing a civil matter to a court of first instance, both parties must first make good faith efforts to resolve the issue amicably or through mediation with the help of a third party. Based on data obtained from the Yogyakarta Religious Court, most of the mediation carried out by these mediators was unsuccessful. This research can be classified as field research. The data in this study were obtained from interviews, documentation related to the problem, scientific articles, books, and the official website of the Yogyakarta Religious Court. The research approach is juridical-empirical/juridical-sociological. The results of this study indicate that the settlement of sharia economic problems by mediation at the Yogyakarta Religious Court, in general, can be compared to mediation efforts carried out in other cases, such as divorce or inheritance disputes. Mediated sharia economy is unsuccessful, and the parties only think about mediation, namely the stages of the procedure that must be passed, without understanding the purpose of the mediation process. So it is necessary to provide socialization to the community regarding mediation and improve quality through training or workshops for mediator judges when conducting sharia economic cases by mediation, especially at the Yogyakarta Religious Court.
Penetapan Metode Anuitas Pada Pembiayaan Murabahah Bank Aceh Syariah Di Tinjau Dari Asas Keadilan Determination Of The Annuity Method In Murabahah Financing Bank Aceh Sharia In View From The Principle Of Justice Raihan Putri Dahlan; Abdul Mujib; Muhammad Lazuardi Annas
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 6 No. 1 (2023): Maro
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v6i1.5133

Abstract

Salah satu metode yang digunakan untuk menghitung margin pada pembiayaan murabahah yaitu menggunakan sistem perhitungan anuitas. Ada problem pengambilan keuntungan yang besar pada permulaan pembayaran mengakibatkan nasabah mengeluhkan, penetapan margin anuitas dianggap tidak memberikan keadilan bagi nasabah. Dalam hal ini penulis ingin mengkaji dan menganalisis penetapan metode anuitas pada pembiayaan Bank Aceh Syariah di tinjau dari asas keadilan. Dalam penelitian ini jenis penelitian yang digunakan yaitu library research. Berdasarkan penelitian tersebut dihasilkan kesimpulan bahwa penetapan metode anuitas yang digunakan Bank Aceh Syariah dalam kategori pemenuhan asas keadilan bagi pihak nasabah tercederai dikarenakan penerapan metode anuitas pada Bank Aceh Syariah mengandung pola pembayaran cicilan angsuran pokok yang berubah menjadi semakin tinggi dan penetapan keuntungan yang nilainya berubah menjadi kecil .Didalam konsep keadilan Islam atau yang terdapat dalam undang-undang No. 21 tahun 2008 mengenai konsep keadilan menerangkan mengenai trasaksi antara nasabah dengan perbankan harus memperoleh suatu bentuk keadilan. Pada praktiknya penerapan metode anuitas cenderung manipulatif sehingga prosedur pencairan terkesan memberatkan nasabah. Penerapan metode anuitas nasabah akan mengalami kerugian ketika nasabah hendak melakukan pelunasan pada awal tetapi tidak mendapatkan potongan angsuran. Rasa ketidakadilan didalam anuitas bisa dihilangkan dan kemudian diwujudkan yaitu dengan cara melakukan pomotongan pada cicilan angsuran untuk setiap nasabah yang melakukan pelunasan kewajiban pada awal transaksi.
ANALYSIS OF LEGAL PROTECTION OF SUKUK HOLDERS AGAINST THE RISK OF ISSUERS THAT EXPERIENCE DEFAULT POSITIVE LEGAL PERSPECTIVE Maranda Sukma Mufatzizah; Abdul Mujib; Siti Nurchahyanti
Hukum Islam Vol 23, No 1 (2023): HUKUM ISLAM
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jhi.v23i1.20711

Abstract

Sukuk provide opportunities for the public to make long-term investments, issuance of sukuk can benefit in proportion to the profit sharing. Thus, there is a need for risk management and legal protection for sukuk holders. This study aims to find out clearly related to the regulations that cover sukuk holders against PT Berlian Laju Tanker (issuer) which has failed to pay its principal funds or margin/fees. The method in this study is normative juridical which is carried out by examining library materials or secondary materials. This study uses a qualitative data analysis method which is presented descriptively, namely by describing a policy related to the analysis of legal protection for sukuk holders against the risk of issuers failing to pay. Based on the findings of this study, investors holding sukuk can learn more about companies that issue sukuk so that it is possible to better evaluate the value of returns and control the risks associated with their ownership. Availability of information aimed at reducing default by issuers and increasing capital market efficiency. This research concludes that PT Berlian Laju Tanker sukuk holders are given two different types of legal protection, namely preventive legal protection and repressive legal protection.
Perlindungan Hukum terhadap Pemegang Polis Asuransi Pengangkutan Muhammad Shobirin Shobirin; Abdul Mujib
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1181

Abstract

Insurance plays an important role, because it will provide protection against losses that will occur, insurance provides a huge boost to other economic developments. Unfortunately, in practice, legal protection for insurance policy holders is less protected. The problem that policyholders always experience is the difficulty of obtaining compensation payments when an event occurs. The reason why policies are not paid by insurance companies is because of the lack of knowledge of the public itself, as well as because insurance agents do not provide clear information. Factors causing non-payment of insurance claims are the failure to implement insurance principles by insurance companies or the public. This research uses a descriptive qualitative method using a basic approach and legal norms in laws and regulations and uses a descriptive method to try to explain solutions to existing problems based on data. The form of protection guaranteed in Law no. 22 of 2009 regarding passengers, namely in articles 186 and article 191 which mention protection, protection in the form of people/or goods. And if an accident occurs and results in injury or death, the legal consequences for public transportation companies are regulated by Law no. 22 of 2009 concerning road traffic and transportation in article 192 which states that public transportation companies are responsible for losses suffered by passengers who die or are injured as a result of transportation operations, unless caused by an incident that cannot be prevented or avoided or because of the Passenger's fault.