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Journal : Economica: Jurnal Ekonomi Islam

BUNGA PINJAMAN DALAM PERSPEKTIF KEADILAN (Studi Kasus Bunga Pinjaman di KPRI Nusantara IAIN Walisongo) Ajib, Ghufron
Economica: Jurnal Ekonomi Islam Vol 4, No 1 (2013)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2013.4.1.688


The subject matter of this study motivated several considerations. The first is that justice is the main  major Islamic mission, including social and economic justice. The opponent of justice, namely zhulm (injustice), according to the modernist is  raison detre of  usury prohibition, and be decisive for usury  legal issues. Second, that since 1990 up to the present system of Shariah financial institutions more firmly and growing rapidly with the issuance of Law number  21, 2008 On Islamic Banking and the issuance  Minister of Cooperative Regulation 91, 2004 On Guidelines for the Implementation of Activities Cooperative Business Financial Services Shariah. While the savings and loan business unit in KPRI ‘Nusantara’ since its establishment, in 1973, untill now still running a conventional loan system. In this study, primary data, the loan system and the pattern of calculating interest on savings and loans unit KPRI Nusantara, collected using three methods: participant observation, and interviews with the management and documentat.By using the concept of social justice of John Rawls, the concept maqashid al-Sharia, and the concept of Islamic financial cooperative systems, researchers discuss the issue through three aspects of justice, namely the aspect of contract, the consistency aspect of interest, and justice aspects of cooperatives. Two discussion of this study conclude the absence of justice, namely the aspects of the contract and consistency aspects of interest. The final discussion concludes that there is justice, which is the aspect justice cooperatives.
FEE IJARAH DALAM PRODUK PEMBIAYAAN TALANGAN HAJI (Analisis Penerapan Fatwa DSN-MUI No. 29 Tahun. 2002 di Bank Syariah Cabang Semarang) Ajib, Ghufron
Economica: Jurnal Ekonomi Islam Vol 4, No 2 (2013)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2013.4.2.777


Qualitative issue discussed in this study is: "how is consistency ijarah fee in product  financing arrangement Hajj bailout at Syariah Bank in relation to the provision of normative ijarah fee in the DSN-MUI Fatwa No. 29 Th. 2002 and what main factor hindered the implementation of the fatwa. Data about the Arrangement of the Hajj bailout financing obtained from three Islamic banks Semarang branch through two methods of documentation and interviews. Study on substance DSN 29 of 2002, actually offering two models in the arrangement  of the Hajj bailout funding: through qardh or through ijarah contract. There is no indication that the Fatwa  requires the merger two  agreement contract. Ijarah contract made by the BPS and its customers over the filing and registration services to SISKOHAT to get a seat portion of Hajj is ijarah practices that do not conform to the requirements of the contract of ijarah. Because of the service and the work performed by the bank is already a BPS duties. Ijarah fee levied by Bank Muamalat Indoneisa (BMI) in the financing pattern Bailout Hajj, though not violate the provisions of the  DSN fatwa, but does not meet the requirements of ijarah contract as provided in Islamic law (fiqh). The Ijarah fee levied by Bank Syariah Mandiri (BSM) and BNI Shariah, not in accordance with the fatwa DSN, as calculated by the nominal amount of the bailout and the the contract period. Misconceptions in understanding the content of this fatwa is caused due to lack of a comprehensive understanding of the elements contained in the fatwa.