Muhammad Fachrurrazy
Institut Agama Islam Negeri Palopo

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Journal : Al-Amwal : Journal of Islamic Economic Law

KONSEP SISTEM AKAD HYBRID : REGULASI PENGATURAN DAN IMPLEMENTASI PADA PERBANKAN SYARIAH DI INDONESIA Muhammad Fachrurrazy; Tryambarwati Tryambarwati
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.v6i2.3576

Abstract

The purpose of this study is to analyze and explore the concept of hybrid contracts which are widely applied to Islamic banking. A description of the phenomenon that still does not comprehensively understand the meaning of the prohibition in sharia economic law regarding two or more contracts used in one contract so that it is subject to the prohibition of the hadith of the Prophet SAW regarding the prohibition of combining two or more contracts in one transaction (agreement/sales purchase). The method used in this research is normative empirical by relying on the norms of the rules that apply to jurisprudence and Islamic law as this research approach. The data material used is taken from searching, reading and recording activities from written works in the form of books and sources of Islamic law (legal products) as well as tracing case studies as a description of phenomena to see conformity between norms and facts in the field related to the discussion. The steps for processing and analyzing data materials use qualitative methods and are presented descriptively. Tujuan dari penelitian ini adalah menganalisis dan mengeksplorasi dari konsep akad hybrid dimana banyak diterapkan pada perbankan syariah. Gambaran fenomena yang masih belum secara komprehansif memahami makna larangan dalam hukum ekonomi syariah terkait dua atau lebih akad yang digunakan dalam satu akad sehingga terkena larangan hadist nabi saw mengenai larangan menggabungkan dua atau lebih akad dalam satu transaksi (perjanjian/jual beli). Metode yang digunakan pada peneltian ini adalah normative empiris dengan bersandar pada norma aturan yang berlaku sebagai yurisprudensi dan hukum islam sebagai pendekatan penelitian ini. bahan data yang digunakan diambil dari kegiatan mencari, membaca dan mencatat dari hasil karya tulis berupa buku dan sumber sumber hukum islam (produk hukum) serta penelusuran studi kasus sebagai gambaran fenomena untuk melihat keseuaian norma dengan fakta di lapangan yang berkaitan dengan pembahasan. Langkah mengolah dan mengalisis bahan data menggunakan metode kualitatif dan disajikan secara desktiptif.
ANALISIS PERBANDINGAN MINAT WARGA PERUM BRP DALAM MEMILIH REKENING BANK SYARIAH DAN BANK KONVENSIONAL Dede Aji Mardani; Muhammad Abduh; Muhammad Fachrurrazy; Restu Maulana Wibisono
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.v8i1.3683

Abstract

Islamic banking from year to year continues to experience very rapid growth. However, its market share is still very small. Because there are still many Muslim citizens who prefer conventional banks to Islamic banks. The purpose of this study is to understand the comparison of the interest in saving in RT 03 Perum BRP society in Islamic banks and conventional banks. In this study, the methodology used is a qualitative method with sampling using the point of view that is distributed to the respondents. The population in this study was the community of RT 03 Perum BRP, totaling 149 people, while the research sample taken was 47 people. The research shows that the public interest in RT 03 Perum BRP towards conventional banks is still quite high compared to Islamic banks. The cause of this is due to external factors in the form of rules from the company or office as a condition for taking employee salaries.Perbankan syariah dari tahun ke tahun terus mengalami pertumbuhan yang sangat pesat. Namun pangsa pasarnya masih dikatakan sangat kecil. Karena justru masih banyak warga muslim yang lebih memilih bank konvesional daripada bank syariah. Tujuan dari penelitian ini ialah agar dapat memahami perbandingan minat menabung masyarakat RT 03 Perum BRP di bank syariah dan bank konvensional. Pada penelitian ini, metodologi yang digunakan yaitu metode kualitatif dengan pengambilan sampelnya menggunakan angket yang disebarkan kepada responden. Populasi pada penelitian ini yaitu masyarakat RT 03 Perum BRP yang berjumlah 149 orang, sedangkan sampel penelitian yang diambil berjumlah 47 orang. Penelitian memberikan hasil bahwa minat masyarakat RT 03 Perum BRP terhadap bank konvensional masih cukup tinggi dibanding dengan bank syariah. Penyebab hal ini ialah karena adanya faktor eksternal berupa aturan dari perusahaan atau kantor sebagai syarat untuk pengambilan gaji karyawan.
PERLINDUNGAN HUKUM DALAM PENYELESAIAN SENGKETA PELANGGARAN TERHADAP DANA NASABAH DI PASAR MODAL Anita Anita; Muhammad Fachrurrazy; Muammar Arafat Yusmad; Fitriani Jamaluddin; Firman Muhammad Arif
Al-Amwal : Journal of Islamic Economic Law Vol 8, No 2 (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.v8i2.4279

Abstract

This research aims to analyze the form of legal protection for customers who suffer losses due to fraudulent funds in the capital market, the role and efforts of the Financial Services Authority in protecting customers in the capital market, and how Sharia economic law reviews in resolving disputes in the capital market.This type of research is normative legal research through a juridical approach which is carried out by examining various legal rules such as in Laws and Regulations No. 8 of 1995 concerning Capital Markets in Chapter X  I concerning fraud, market manipulation and insider trading, as well as cases related to the capital market, namely the case of PT Sarijaya Permana Sekuritas. Related to dispute resolution in Islamic law explained in the Al-Quran surah Saad verse 26 Data collection techniques using Library Research techniques (literature study), namely a data collection technique that collects legal materials obtained from various sources such as books, journals, and online written media related to the object of discussion. The data analysis technique used is qualitative data analysis technique, namely analyzing data by collecting data, presenting data and drawing conclusions, then the data is arranged in descriptive form by describing the data that has been obtained in the form of logical sentence descriptions, then interpreted and given conclusions.The results of this study indicate that: First, legal protection of customers who suffer losses due to violations committed by securities companies can apply the return of unauthorized profits by the OJK to the Securities Company to provide loss compensation funds to customers. Second, based on Law Number 21 of 2011 OJK has a role in forming regulations for improvements in the field of capital markets including protecting customers as consumers. Third, dispute resolution in Islam can be through peace mechanisms (such), arbitration (tahkim), and courts (Al- qada).