Anshori, Arif Rijal
UNISBA, Faculty Of Sharia, Bandung

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PENGARUH JUMLAH DANA PIHAK KETIGA (DPK) NON PERFOMING FINANCING (NPF) DAN SERTIFIKAT BANK INDONESIA SYARI’AH (SBIS) TERHADAP PENYALURAN PEMBIAYAAN PERBANKAN SYARI’AH DI INDONESIA Anshori, Arif Rijal
Jurnal Maps (Manajemen Perbankan Syariah) Vol 2, No 2 (2019)
Publisher : STIBANKS Al Ma'soem Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32483/maps.v2i2.25

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Banking is a very important part in the economy, one of them as intermediary institutions whose duty to collect funds from the public and then channel them back in the form of financing.This study aims to determine the effect Number of DPK, NPF and SBIS partially to finance portfolio of Islamic banking in Indonesia, and to determine the effect Number of DPK, NPF and SBIS simultaneously to the finance portfolio of Islamic banking in Indonesia.This study proceed from the assumption that (1) the size distribution of the funds offered by Islamic banks is very influenced by the size DPK means that the higher the number of third-party funds collected, the higher also finance portfolio, (2) the higher non-performing financing the worse the quality of banking assets, (3) the higher the bonus level set SBIS Indonesian bank will lower the financing undertaken by the banking Shari'ah. But based on data from Islamic banking statistics from the years 2008-2014 there is a gap between theory and facts on the ground. These assumptions are tested empirically so that the truth can be scientifically recognized. When there is a justification or rejection of these assumptions, then this is a scientific truth that can be considered Islamic banking in Indonesia.Quantitative research methods in this study using research formats explanation, source data used in this research is secondary data, then the type of data used in this research is quantitative data time series, the quarterly data of financing, deposits, NPF and SBIS Islamic banking in Indonesia from 2008 to 2014. Data were then processed by means of statistical analysis using Eviews 7, which comprises the classical assumption of them: normality test, heteroscedasticity, multicollinearity test, autocorrelation test. statistical tests include: regression, t test, F test and R2.The conclusion that can be drawn from this study that partially, DPK variable is positive and significant effect on the financing, NPF variable is negative but not significant effect on the financing, while SBIS is negative and significant effect on the financing. Then simultaneously the number of DPK, NPF and SBIS significant effect on the distribution of funding. Those variables could explain freely by 99.45% and the remaining 0.55% can be explained by other variables not examined.
Analisis Model Pengelolaan Zakat, Infaq dan Shadaqah (ZIS) di Mesjid Al Istiqomah Kabupaten Bandung Barat Amrullah Hayatudin; Arif Rijal Anshori
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (269.457 KB) | DOI: 10.29040/jiei.v7i2.2230

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This research was conducted as an effort to find the right model in the management of Zakat, Infaq, and Sadaqah (ZIS) at the Al Istiqomah Mosque, Taman Bunga Cilame districts of West Bandung. With the hope of an appropriate model in the management of Zakat, Infaq, and Shadaqah (ZIS) funds. The purpose of Zakat, Infaq, and Shadaqah (ZIS) as a means of worship and social means, namely as a means to alleviate poverty and prosper the people can be achieved. The method used by researchers is qualitative, the data collection technique is observation (observation), interview (interview), and documentation, in analyzing the data the researcher uses qualitative data analysis is inductive. In managing ZIS funds, three things must be considered by DKM administrators, namely: Excellent service for muzakki and mustahik, funds (ZIS) must be utilized properly, transparently, creatively, and innovatively. With the management model as follows: Providing additional capital to mustahik by using aqad Mudharabah or Musyarakah; Assistance with the Participatory Action Research (PAR) approach to mustahik.
Analysis Of Human Resource Competency On Islamic Boarding School To Financial Management Islamic Boarding School In West Java Ira Siti Rohmah Maulida; Arif Rijal Anshori; Neng Dewi Himayasari; Ifa Hanifia Senjiati
Journal of Islamic Business and Economic Review Vol 3, No 2 (2020): July, 2020
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (494.946 KB)

Abstract

Employment and finance are two aspects that must be considered and need to be repaired in the management of schools. In Reality, management of Islamic Boarding Schools still use simple management, that caused due to the limited quality the power of man-manager boarding. The formulation of the problem in this research is 1) How is the financial management of Islamic boarding schools in West Java ?. 2) How does the analysis of the competence of the manager of finance boarding against management finance boarding schools in Java West?The method of research used  research qualitative with approach descriptive. Data collection techniques were carried out by giving questionnaires to representatives of 14 Islamic Boarding School in West Java. Analysis of data using analysis of narrative is based on findings that there is.The results of the discussion of the research: 1) The majority of schools or 92.9% already manage finances with the good , and 7.1% of schools are not managing finances with good. 2) Pondok Islamic Boarding School, who already has human resourches competency that good and not suitable, can be seen on the appropriateness of expenses or do not exceed the budget.
Tinjauan Peraturan Pemerintah Nomor 42 Tahun 2006 Terhadap Kendala Nazhir Pada Proses Pembuatan Akta Ikrar Wakaf (Studi Kasus di Kampung Warung Jambe Kabupaten Cianjur) Alifia Nur Shafa; Ifa Hanifia Senjiati; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.7662

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Abstract. This research was motivated by the discovery of individual nazhir obstacles in the Nurul Falah mosque, in practice there are waqf nazhirs who have not carried out the process of making waqf pledge deeds so that nazhirs do not have legal power to protect the waqf assets received, This study aims to analyze Government Regulation No. 42 of 2006 on nazhir constraints in the process of making waqf pledge deeds at the Nurul Falah mosque, Warung Jambe village, Cianjur regency. This research uses an empirical juridical approach. The data sources used in this study are primary data and secondary data. The data collection used in this study used interview, observation, and documentation techniques. Then the data obtained is analyzed using descriptive analysis techniques using a qualitative approach. The results showed that the process of making AIW based on PP No. 42 of 2006 was divided into three, namely the first part related to making AIW. The second part is related to the procedure for making AIW. The third part is related to the registration and submission of AIW, the obstacles experienced by nazhir in the process of making the deed of pledge of waqf at the nurul Falah mosque in Warung Jambe village are Not completing administrative requirements, not processing the creation of AIW, not understanding the functions and duties, not managing and developing waqf property in accordance with the objectives, lack of nazhir knowledge of perpu, nazhir work as a sideline, Not knowing the institutions involved in making the waqf pledge deed, and lack of socialization from the authorities. Keywords: Waqf pledge deed, Nazhir, PP No 42 Tahun 2006 Abstrak. Penelitian ini dilatarbelakangi dengan ditemukannya kendala – kendala nazhir individu di masjid nurul falah, pada praktiknya terdapat nazhir wakaf yang belum melakukan proses pembuatan akta ikrar wakaf sehingga nazhir tidak memiliki kekuatan hukum untuk melindungi aset wakaf yang diterima, Penelitian ini bertujuan untuk menganalisis Peraturan Pemerintah No 42 tahun 2006 terhadap kendala nazhir pada proses pembuatan akta ikrar wakaf di masjid Nurul Falah kampung Warung Jambe kabupaten cianjur. Penelitian ini menggunakan pendekatan yuridis empiris. Sumber data yang digunakan dalam penelitian ini yaitu data primer dan data sekunder. Pengumpulan data yang digunakan dalam penelitian ini menggunakan teknik wawancara, observasi, dan dokumentasi. Kemudian data yang didapat di analisis menggunakan teknik analisis deksriptif dengan menggunakan pendekatan kualitatif. Hasil penelitian menunjukan proses pembuatan AIW berdasarkan PP No 42 Tahun 2006 terbagi menjadi tiga, yaitu bagian pertama terkait pembuatan AIW. Bagian kedua terkait tatacara pembuatan AIW. Bagian ketiga terkait pendaftaran dan penyerahan AIW, Kendala yang dialami nazhir pada proses pembuatan akta ikrar wakaf di masjid nurul Falah kampung Warung Jambe yaitu Tidak melengkapi persyaratan administrasi, tidak memproses pembuatan AIW, tidak memahami fungsi dan tugas, tidak mengelola dan mengembangkan harta benda wakaf sesuai dengan tujuan, kurangnya pengetahuan nazhir terhadap perpu, pekerjaan nazhir sebagai sampingan, tidak mengetahui lembaga – lembaga yang terkait dalam pembuatan akta ikrar wakaf, dan kurangnya sosialisasi dari pihak yang berwenang. Kata Kunci: Akta Ikrar Wakaf, Nazhir, Peraturan Pemerintah Nomor 42 Tahun 2006
Tinjauan Hukum Islam Terhadap Praktik Jual Beli Alat Kontrasepsi Secara Bebas Terhadap Anak Dibawah Umur Di Alfamart (Studi Kasus Alfamart Turangga dan Alfamart Warta Kota Bandung) Muhammad Alfin Zayynur Rofiq Alfin; Panji Adam Agus Putra; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.7711

Abstract

Abstrak. Seiring berkembangnya zaman, sudah banyak sekali ditemukan alat modern dengan berbagai efeknya atau sering kita dengar dengan sebutan alat kontrasepsi sebagai hasil penemuan ilmu dan teknologi. Ketika alat kontrasepsi itu dijual secara bebas kekhawatiran terjadi yaitu penyalahgunaan yang dilakukan oleh pengguna yaitu seks bebas. Kesadaran terhadap remaja merekan berada pada kondisi kurangnya pengetahuan dan kesadaran terhadap sex bebas yang semakin tidak terkendali sebagaimana di khawatirkan oleh masyarakat. Adapun Tujuan peneletian ini: 1) Untuk mengetahui tinjauan hukum islam tentang jual beli alat kontrasepsi secara bebas terhadap anak dibawah umur. 2) Untuk mengetahui dampak jual beli alat kontrasepsi kepada anak dibawah umur. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan pendekatan studi lapangan dan yuridis empiris. Sumber data yang digunakan yaitu melalui wawancara dan studi kepustakaan terdahulu. Teknik pengumpulan datanya yaitu dengan wawancara, observasi dan dokumentasi. Teknik analisis data yang digunakan menggunakan pola piker deduktif dengan metode triangulasi Hasil penelitian ini didapatkan bahwa :1) tinjauan hukum islam memperbolehkan praktik jual beli alat kontrasepsi untuk pasangan yang sudah sah untuk menunda keturunan. 2) Dampak Dari jual beli alat kontrasepsi terhadap anak dibawah umur menimbulkan sex bebas dan dapat dikatakan zina yang dimana diharamkan dalam hukum islam dan mendapatkan dosa besar Kata Kunci: Alat Kontrasepsi, Alfamart, Anak Dibawah Umur, Hukum Islam, Jual Beli Abstract. Along with the development of the times, many modern tools have been found with various effects or we often hear as contraceptives as a result of scientific and technological discoveries. When contraceptives are sold freely, there is concern about misuse by users, namely free sex. Awareness of their youth is in a condition of lack of knowledge and awareness of free sex which is getting out of control as people worry about. The purpose of this research: 1) To find out the review of Islamic law regarding the free sale and purchase of contraceptives against minors. 2) To find out the impact of buying and selling contraceptives to minors. The research method used is descriptive qualitative with a field study and empirical juridical approach. The data source used is through interviews and previous literature studies. The data collection technique is by interview, observation and documentation. The data analysis technique used uses a deductive mindset with the triangulation method The results of this study found that: 1) a review of Islamic law allows the practice of buying and selling contraceptives for legal couples to delay offspring. 2) The impact of buying and selling contraceptives on minors causes free sex and can be said to be adultery which is forbidden in Islamic law and is a grave sin Keyword: Alfamart, Buying and Selling, Contraceptives, Islamic Law, Underage Children.
Tijauan Etika Bisnis Islam Terhadap Metode Pembayaran yang Dilakukan Driver pada Layanan Trasnportasi Online (Studi Kasus Pada Layanan Transportasi Grab) Lusi Handayani; Muhammad Yunus; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.7896

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Abstrak. Transportasi online Grab, selama perjalanan penumpang diharapkan tetap menjaga aplikasi Grab tetap aktif untuk memantau posisi kendaraan melalui peta, tampilan fitur pusat keselamatan yang mana itu sangat penting untuk keadaan darurat. Driver mendapatkan 80% dari penghasilan dan perusahaan Grab mendapatkan 20%. Namun, peneliti menemukan bahwa driver mencoba mendapatkan keuntungan yang lebih besar dari 80%. Driver meminta penumpang untuk menonaktifkan atau membatalkan pesanan perjalanan tetapi tetap diantar sampai ketujuan yang penumpang inginkan. Penelitian ini bertujuan untuk mengetahui dan memahami bagaimana metode transaksi yang diterapkan antara driver Grab dengan penumpang dan memahami tinjauan etika bisnis Islam terhadap metode pembayaran yang dilakukan oleh driver Grab. Kerangka pemikiran dalam penelitian melibatkan konsep metode transaksi driver berdasarkan prinsip-prinsip etika bisnis Islam. Jenis peneltian ini adalah penelitian kualitatif dengan menggunakan pendekatan normatif-empiris. Sumber data yang digunakan adalah data primer dan data sekunder. Pengumpulan data menggunakan metode wawancara, studi pustaka dan studi dokumentasi. Kemudian data yang di dapat di analisis menggunakan analisis studi kasus. Hasil penelitian menunjukan bahwa driver ojek online Grab melanggar kode etik dari perusahaan Grab karena driver meminta penumpang untuk mematikan aplikasi pesanan yang mana Grab akan mendapatkan kerugian. Berdasarkan prinsip etika bisnis Islam hal yang dilakukan driver tidak sesuai dengan empat prinsip etika bisnis Islam yaitu tauhid, keseimbangan, kehendak bebas, dan tanggung jawab. Kata Kunci: Metode Transaksi, Ojek Online Grab, Etika Bisnis Islam. Abstract. Grab online transportation, during the trip, passengers are expected to keep the Grab application active to monitor the vehicle's position via the map, display the safety center feature which is very important for emergencies. Drivers get 80% of the earnings and Grab companies get 20%. However, researchers found that drivers try to get a profit greater than 80%. Drivers ask passengers to deactivate or cancel travel orders but still be delivered to the destination the passenger wants. This study aims to find out and understand how the transaction method is applied between Grab drivers and passengers and understand the Islamic business ethics review of the payment method used by Grab drivers. The conceptual framework in this study involves the concept of a driver transaction method based on the principles of Islamic business ethics. This type of research is a qualitative research using a normative-empirical approach. Sources of data used are primary data and secondary data. Collecting data using interview methods, literature study and documentation study. Then the data can be analyzed using case study analysis. The results of the study show that Grab online motorcycle taxi drivers violate the code of ethics of the Grab company because drivers ask passengers to turn off the order application in which Grab will incur a loss. Based on the principles of Islamic business ethics, the things that drivers do are not in accordance with the four principles of Islamic business ethics, namely monotheism, balance, free will, responsibility Keywords: Transaction Methods, Ojek Online Grab, Islamic Business Ethics.
Tinjauan Fikih Muamalah terhadap Praktik Sewa Menyewa Indekos di Kos Salpadiya Kecamatan Bojongloa Kidul Kota Bandung Agnes Eka Aprilian; Iwan Permana; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.7921

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Abstrak. Dari berbagai macam kegiatan muamalah yang ada salah satunya adalah sewa menyewa (ijārah). Menurut Syafi’i ijārah merupakan akad pemindahan manfaat (hak guna) atas suatu jasa atau barang melalui pembayaran upah sewa dalam waktu tertentu, tanpa pemindahan kepemilikan barang tersebut. Akad ijārah dianggap sah jika telah memenuhi rukun dan syaratnya. Islam memberikan batasan dalam melakukan sewa menyewa. Berdasarkan observasi awal di Kos Salpadiya adanya ketidak jelasan rentang waktu sewa menyewa indekos dan ketidak jelasan pertanggung jawaban pemilik indekos. Berdasarkan latar belakang tersebut, maka tujuan penelitian ini untuk mengetahui praktik sewa menyewa indekos di Kos Salpadiya Kecamatan Bojongloa Kidul Kota Bandung dan untuk menganalisis tinjauan fikih muamalah terhadap praktik sewa menyewa indekos di Kos Salpadiya Kecamatan Bojongloa Kidul Kota Bandung. Dalam penelitian ini menggunakan pendekatan secara kualitatif yang bersifat deskriptif. Sumber data penelitian ini menggunakan data primer berupa wawancara dan data sekunder yang diperoleh dari jurnal, artikel, buku, dan smber lainnya. Hasil penelitian dalam praktiknya terdapat kejadian penyewa diminta pindah kamar ke bangunan lain untuk sementara waktu oleh pemilik indekos dikarenakan bangunan tersebut akan direnovasi. Namun, hingga kini penyewa tidak diminta kembali ke kamar semula. Maka dapat disimpulkan bahwa praktik sewa menyewa indekos di Kos Salpadiya Kecamatan Bojongloa Kidul Kota Bandung telah memenuhi rukunnya. Namun, tidak memenuhi syaratnya, yaitu syarat nafadz dan syarat luzum, serta hak dan kewajiban tidak terpenuhi. Sehingga praktik sewa menyewa indekos di Kos Salpadiya Kecamatan Bojongloa Kidul Kota Bandung mengakibatkan akad ijarāh tidak sah.Kata Kunci: Fikih Muamalah, Sewa Menyewa, Indekos Abstract. Of the various muamalah activities that exist, one of them is leasing (ijārah). According to Syafi'i, ijārah is a contract for the transfer of benefits (usage rights) of a service or goods through payment of rental fees within a certain time, without transferring ownership of the goods. An ijārah contract is considered valid if it fulfills its pillars and conditions. Islam provides restrictions on leasing. Based on preliminary observations at Kos Salpadiya, there is a lack of clarity on the time span for renting boarding houses and the lack of clarity on the responsibility of the boarding house owner. Based on this background, the purpose of this study is to find out the practice of renting boarding houses at Kos Salpadiya, Bojongloa Kidul District, Bandung City and to analyze the fiqh muamalah review of the practice of renting boarding houses at Kos Salpadiya, Bojongloa Kidul District, Bandung City. This research uses a qualitative approach that is descriptive in nature. The data source of this research uses primary data in the form of interviews and secondary data obtained from journals, articles, books, and other sources. The results of the research in practice there are incidents of tenants being asked to move rooms to other buildings temporarily by the owner of the boarding house because the building will be renovated. However, until now the tenant has not been asked to return to the original room. So it can be concluded that the practice of renting boarding houses at Salpadiya Kos, Bojongloa Kidul District, Bandung City has fulfilled its pillars. However, it does not fulfill its conditions, namely the nafadz condition and the luzum condition, and the rights and obligations are not fulfilled. So that the practice of renting a boarding house at Salpadiya Boarding House, Bojongloa Kidul District, Bandung City results in an invalid ijarāh contract.Keywords: Fikih Muamalah, Lease, Boarding House
Penerapan Akad Ijarah Terhadap Bisnis Jasa Pengiriman Paket Luar Negeri Dalam Persfektif Fatwa DSN MUI No. 112/DSN-MUI/IX/2017 Syifa Dewi Fajriyani; Panji Adam Agus Putra; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.8621

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Abstrak. Akad Ijarah adalah suatu jenis akad untuk mengambil manfaat dengan jalan penggantian. Ijarah merupakan transaksi terhadap manfaat suatu barang dengan suatu imbalan yang biasa disebut sewa menyewa. Sewa menyewa tersebut bisa berupa barang atau lahan ataupun berupa perbuatan tenaga manusia. Penelitian ini bertujuan untuk mencari jawaban dari inti permasalahan, yaitu bagaimana praktik akad ijarah pada Jasa Pengiriman Paket Luar Negeri Awi Express, bagaimana analisis pembiyaan terhadap praktik akad ijarah pada Jasa Pengiriman paket Awi Express dalam persfektif Fatwa DSN MUI NO. 112/DSN-MUI/IX/2017 tentang akad ijarah. Dalam penelitian ini penulis menggunakan metode penelitian kualitatif dengan Teknik pengumpulan data dengan wawancara, observasi, dokumentasi, dengan pendekatan penelitian yuridis normative. Hasil dari penelitian ini yaitu tidak terpenuhinya syarat sah akad ijarah seperti tidak terpenuhinya syarat kelaziman ijarah dan tidak terpenuhinya syarat sah berakhirnya akad ijarah. Abstract. Ijarah contract is a type of contract to take benefits by way of replacement. Ijarah is a transaction for the benefit of an item in return for what is commonly called a lease. The lease can be in the form of goods or land or in the form of human labor. This study aims to find answers to the core of the problem, namely how to practice the ijarah contract on the Awi Express Overseas Package Delivery Service, how to analyze the financing of the practice of the ijarah contract on the Awi Express package Delivery Service in the perspective of DSN MUI Fatwa NO. 112/DSN-MUI/IX/2017 concerning ijarah contracts. In this study the authors used qualitative research methods with data collection techniques by interviews, observation, documentation, with a normative juridical research approach. The results of this study are the non-fulfillment of the legal terms of the ijarah contract such as the non-fulfillment of the ijarah customary conditions and the non-fulfillment of the legal terms of the end of the ijarah contract.
ANALISIS FIQIH MUAMALAH TERHADAP TRANSAKSI JUAL BELI SAYUR DENGAN SISTEM TAKSIRAN SEBELUM MASA PANEN DI DESA JAMBUDIPA KABUPATEN BANDUNG BARAT Mochamad Afif Zacharias Masyhur; Udin Saripudin; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.8767

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Penelitian ini bertujuan untuk menganalisis aspek fiqih muamalah dalam transaksi jual beli sayur menggunakan sistem taksiran sebelum masa panen di Desa Jambudipa, Kabupaten Bandung Barat. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan wawancara dan observasi untuk mengumpulkan data dari pelaku transaksi yang terlibat dalam jual beli sayur. Pada analisis yang telah dilakukan, secara tinjauan akad jual beli untuk jual beli sayur dengan sistem taksiran ini dinyatakan sebagai sesuatu yang tidak diperbolehkan atau rusak (fasad). Hal ini dikarenakan barang yang diperjualbelikan dalam praktik ini dapat menimbulkan kerugian yang signifikan jika tidak diperhitungkan dengan hati-hati terhadap pihak yang terlibat. Kasus kerugian dalam jual beli taksiran telah ditemukan di lapangan, salah satunya karena adanya faktor-faktor yang tidak dapat diprediksi, seperti cuaca. Oleh karena itu, dalam pelaksanaan jual beli ini, disarankan agar proses penimbangan objek yang diperjualbelikan diwajibkan untuk menghindari unsur gharar atau ketidakpastian. Penelitian ini bertujuan untuk memberikan rekomendasi bagi para pemangku kepentingan yang terlibat dalam jual beli sayur tersebut untuk meningkatkan praktik transaksi sesuai dengan prinsip-prinsip fiqih muamalah. Penelitian ini memperluas pengetahuan yang ada tentang penerapan prinsip-prinsip Islam dalam praktik ekonomi serta wawasan bagi para pelaku usaha khususnya yang menggunakan sistem taksiran seperti yang dilakukan di Desa Jambudipa, Kabupaten Bandung Barat.
TINJAUAN FIKIH MUAMALAH TERHADAP JUAL BELI LIMBAH EMAS DI DESA KARANGANYAR KECAMATAN KANDANGHAUR KABUPATEN INDRAMAYU Sobariaty Aisyah Diva Marpuah; Nandang Ihwanudin; Arif Rijal Anshori
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.8795

Abstract

Abstract. One of the buying and selling practices is the buying and selling of gold waste. Unlike the sale and purchase of gold in general, the sale and purchase of gold waste is traded not in the form of gold but in waste. The sale and purchase of gold waste in Karanganyar Village, Kadanghaur Subdistrict, Indramayu Regency between the seller and the buyer is carried out by means of the buyer taking it directly to the seller with the condition that the goods have not been packaged, handed over by estimation. This is suspected of violating the provisions of muamalah fiqh from the aspect of the pillars. This study aims to analyze the practice of buying and selling gold waste and reviewing muamalah fiqh on buying and selling gold waste at that location. The method used in this research is qualitative research with a normative approach and data collection techniques through observation, interviews, documentation and literature studies. The results of this study are 1) The practice of buying and selling gold waste in the sales system, the seller offers the price to the buyer, then makes a payment transaction. Furthermore, the buyer picks up the gold waste goods at the gold shop workshop, but the goods have not been packed. 2) The review of Muamalah Jurisprudence on the sale and purchase of gold waste in Karanganyar Village, Kandanghaur District, Indramayu Regency is in accordance with the pillars of buying and selling, but in the conditions of buying and selling, where one of the conditions, namely the object being traded, has not been fulfilled, because the gold waste is unknown and contains elements of gharar. However, it is included in gharar al-yasir (mild gharar) because the sale and purchase of gold waste does not cause much dispute between the two parties to the contract. Keywords: Fikih Muamalah, Sale and Purchase of Gold Waste Abstrak. Salah satu praktik jual beli ialah jual beli limbah emas. Berbeda dengan jual beli emas pada umumnya, jual beli limbah emas diperjualbelikan tidak berbentuk emas melainkan berada dalam limbah. Jual beli limbah emas di Desa Karanganyar Kecamatan Kadanghaur Kabupaten Indramayu antara penjual dengan pembeli dilakukan dengan cara pihak pembeli mengambil langsung ke pada penjual dengan kondisi barang tersebut belum di kemas, diserah terimakan secara taksiran. Hal ini diduga melanggar ketentuan-Ketentuan fikih muamalah dari aspek rukunnya. Penelitian ini bertujuan untuk menganalisis praktik jual beli limbah emas dan meninjau fikih muamalah terhadap jual beli limbah emas di lokasi tersebut. Metode yang digunakan dalam penelitian ini adalah penelitian kualitatif dengan pendekatan normatif dan teknik pengumpulan data melalui observasi, wawancara, dokumentasi dan studi literatur. Hasil penelitian ini ialah 1) Praktik jual beli limbah emas dalam sistem penjualan, pihak penjual menawarkan harga kepada pembeli, kemudian melakukan transaksi pembayaran. Selanjutnya pihak pembeli mengambil barang limbah emas di bengkel toko emas, namun barang tersebut belum dikemasi. 2) Tinjauan Fikih Muamalah terhadap jual beli limbah emas di Desa Karanganyar Kecamatan Kandanghaur Kabupaten Indramayu sudah sesuai degan rukun jual beli akan tetapi dalam syarat jual beli yang mana salah satu syarat yaitu objek yang diperjualbelikan belum terpenuhi, karena pada belum diketahui didalam limbah emas tersebut dan mengandung unsur gharar. Namun termasuk kepada gharar al-yasir (ghrara ringan) karena jual beli limbah emas ini tidak menimbulkan banyak perselisihan diantara kedua belah pihak yang berakad. Kata Kunci: Fikih Muamalah, Jual Beli Limbah Emas