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Transaksi Jual Beli On-Line Melalui Media Instagram @PPSSHOP88 dengan Akad Salam Ike Nuryanti Sulistyowati
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1694

Dalam transaksi muamalah yang modern ini muncul perkembangan teknologi yang baru, jual beli online bisa dilakukan melalui media instagram @ppshop88. Karena pengaruh teknologi tersebut maka dianggap penting untuk mengkaji lebih lanjut terkait praktik jual beli on line tersebut berikut keabsahan akadnya. Ini merupakan penelitian hukum deskriptif, pengumpulan data dilakukan dengan cara mengkaji pustaka tentang jual beli online kemudian dianalisis dengan cara pemeriksaan data, klasifikasi data dan analisis data. Hasil penelitiannya menggambarkan: 1) praktik jual beli online melalui media instagram @ppsshop dilakukan pada awalnya membuka profil instagram, dilanjutkan dengan melihat produk-produk yang ditawarkan 2) Jual beli online adalah mubah (boleh), rukun dan syarat jual beli online tidak bertentangan dengan rukun dan syarat dalam sistem hukum perikatan Islam. 3) Transaksi jual beli online akad salam sesuai dengan Fatwa DSN MUI No 05/DSN-MUI/IV/2000 tentang Jual Beli Salam, dikarenakan dalam akad tersebut tidak menyalahi aturan syariat yang ada, sehingga kedepannya adanya Fatwa tersebut harus diakui keberadaannya dan diimplementasikan dalam kegiatan ekonomi yang dimaksud. Kata kunci: Jual Beli On Line, Media Instagram, Akad Salam

Analisis Pelaksanaan Akad Murabahah Pada Produk Pembiayaan Modal Kerja di BMT UGT Sidogiri Kediri Dian Purnaningrum
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1690

Atas dasar peraturan yang berkaitan dengan murabahah baik yang bersumber dari fatwa DSN maupun PBI, perbankan syariah melaksanakan pembiayaan murabahah. Namun demikian, dalam praktiknya tidak ada keseragaman model penerapan pembiayaan murabahah karena beberapa faktor yang melatarbelakanginya. Pembiayaan merupakan salah satu pokok tugas bank, yaitu pemberian fasilitas penyediaan dana untuk memenuhi kebutuhan pihak pihak yang merupakan defisit unit.Tujuan dalam penelitian ini adalah: (1) Untuk mendeskripsikan pelaksanaan akad murabahah pada produk pembiayaan modal kerja di BMT UGT Sidogiri Kediri. (2) Untuk mendeskripsikan analisis hukum Islam terhadap pelaksanaan akad murabahah pada produk pembiayaan modal kerja di BMT UGT Sidogiri Kediri.Penelitian ini adalah penelitian kualitatif, yaitu berupa suatu prosedur penelitian yang menghasilkan data deskriptif berupa ucapan atau tulisan dan perilaku yang dapat diamati dari orang-orang (subjek) itu sendiri. Sumber data menjadi bahan pertimbaangan dalam penentuan metode pengumpulan data. Sumber data terdiri dari data primer dan data sekunder. Teknik analisa data yang digunakan tiga cara, yaitu: reduksi data, penyajian data, dan penarikan kesimpulan.Kesimpulan hasil penelitian ini adalah: (1) Pembiayaan modal kerja di BMT UGT Sidogiri Kediri sangat abstrak, hal ini karena proses transaksi beralih antara nasabah dengan supplier atau pemasok, sehingga memungkinkan nasabah apakah akan benar-benar membelanjakan dana pembiayaan tersebut untuk membeli barang atau tidak. Berkaitan dengan harga, dalam pelaksanaan akad murabahah pada pembiayaan modal kerja pada BMT UGT Sidogiri Kediri untuk penentuan pembiayaan lebih tergantung pada besar kecilnya agunan yang disertakan oleh nasabah, padahal dalam murabahah, harga haruslah disesuaikan dengan pengeluaran untuk pembelian baran yang riil. (2) Penentuan persentase margin berdasarkan tingakat plafon pembiayaan yang dilakukan oleh BMT UGT Sidogiri Kediri menjadikan seperti bunga. Karena besar kecilnya keuntungan harus ditentukan bersama sesuai kesepakatan bersama pula. Selain itu, tidak diperbolehkan menyesuaikan lamanya jangka waktu pembiayaan karena dalam Islam melarang konsep time value of money, karena jika itu yang terjadi maka akan sama halnya denga bunga. Penandatanganan akad dilakukan bersamaan (murabahah dan wakalah) oleh pihak bank dan nasabah menyebabkan ketidakjelasan akad, mekanisme pebelian dan kepemilikan barang yang diperjual belikan serta menjadikan akad tersebut rusak. Kata Kunci: Akad Murabahah, Pembiayaan Modal Kerja.

Akad Qordhul Hasan Sebagai Strategi Baznas Jatim Dalam Mengoptimalisasikan Dana Zakat Untuk Pemberdayaan Ummat Mohammad Munir
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1695

The formulation of the research problem in this thesis can be described as follows: First, How is the strategy of Baznas East Java in optimizing the zakat fund, second, How is the implementation of Qordhul Hasan in Baznas East Java, the third is the qordhul Hasan agreement in accordance with the fatwa Number: 19 / DSN-MUI / IV / 2001. This qualitative research approach is research using explorative research method and descriptive research method. Data collection method is by interview with snowball technique, observation, documentation and literature study through several book and internet sources, hence the result of research finding of Baznas East Java in optimizing zakat fund there are five programs that is East Java Smart, East Java Healthy, East Java Devotion, East Java is prosperous and East Java cares. The empowerment of zakat makes the mustahik have the power of the development of resources of the community in the form of creativity, competence and thinking power considering the economic growth and technology so rapidly will greatly affect the ability of each individual in fulfilling the needs of his life then with prosperous Java Baznas program includes the aid of work tools, work in collaboration with BLK and Cooperation services provide the skills of UMKM and revolving capital assistance that partner with or work together with mosque board, Reading Qur’an community and county Baznas who know the condition of the mustahik by making a letter of application and ready to be surveyed to pilgrims who will get capital assistance. The procedure is that the aid will be handed over to the mosque administrator, reading Qur’an community and the county Baznas for the next of the same committee is handed over to mustahik who is well worthy of receiving assistance. The result of the research showed that Eat Java Baznas is in accordance with the fatwa Number: 19 / DSN-MUI / IV / 2001 which reads "That one of the means of economic improvement that can be done by LKS / BAZNAS is channeling funds through Al-Qordh principle, to the customer or mustahik provided that the client / mustahik is obliged to return the funds received in accordance with the agreement. If the Client / Mustahik cannot refund part or all of his liability for his / her inability then may extend the repayment period or partially off or off his / her liabilities. Keywords: Qordhul Hasan Agreement, Strategy, Optimize, Zakat Empowerment

Analisis Faktor yang mempengaruhi tidak adanya Perkara Ekonomi Syariah masuk di Pengadilan Agama Singaraja Iqbal Kadafi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1691

ABSTRACTBy a implementation of Law No.3, 2006 which is a revision of Law No.7, 1989 concerns with Religious Courts which is reinforced by Constitutional Court decision Number : 93/PUU- X/2012, on 29 Agustus 2013 judicial review cases toward a regulation section 55, article 2 of Law no 21, 2008 about Sharia Banking, it means that the position of Religious Courts increasingly strong and clear. This is in line with the increasing absolute authority of Religious Courts, especially in handling sharia economic cases.The authority of the Religious Courts in the field of Islamic economics already covers the entire field of sharia economy and business activities of sharia economy, which basically was born because of a contract or agreement based on sharia principles.Singaraja which is the capital of Buleleng Regency is located at Ujung Utara Island Bali Province whose majority of the population is Hindu and their economic activity uses sharia akad, or it is often mixed between sharia system with local legal culture of Singaraja people who tend to avoid contact with law and court so that it is rarely even there is no issue concerning with sharia economy into the Religious Court of Singaraja.Nevertheless, the Religious Court of Singaraja must prepare itself by building a reliable and professional human resources if the case of sharia economic will be entered anytime there. Keywords: Authority of Religious Courts and Issues of Sharia Economics in minority areas

Penerapan Manajemen Risiko Kredit Pada Pembiayaan Syariah di Koperasi As Sakinah Sidoarjo Nur Laila
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1696

Credit risk is one of the most frequent risks in tough financing such as on financing using ijarah and murabahah contracts in Sharia financial institutions. The reason is due to mistakes in the analysis of financing applications and lack of cooperative readiness in managing and anticipating the possibility of risk exposure in the institution. In other hand, sharia cooperatives follow the principle of lost and profit sharing that requires a careful cooperative in managing their business in order to achieve the expected profit target.As Sakinah Cooperation Sidoarjo which has been operating for 19 years only experienced credit risk less than 1%. Therefore, this study is aimed to firstly understand and describe to what extent the implementation of risk management in sharia financing in As Sakinah Cooperation Sidoarjo is, and secondly, to understand and describe the credit risk settlement scheme that occurs in sharia financing in As Sakinah Cooperation Sidoarjo.This research used qualitative method, using a case study approach. Data are collected through interview technique at main source and documents and regulation of the cooperation as secondary data source. The data were analyzed through 3 (three) steps. They are data deduction, data display and conclusion and verification.The results show that the role of the group and the joint responsibility system become the key in reducing credit risk Keywords: management, risk, credit, Ijarah, Murabahah.

Pengaruh Kosep Desain (Eksterior dan Interior), Excellent Service, dan Penetapan Harga Toko yang Bernuansa Islam Mempengaruhi Minat Belanja Konsumen Muslim dalam Kegiatan Perspektif Hukum Ekonomi Syariah Fitria Sofiana
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1687

ABSTRACT Buying consumer interest is the seller must be able to sell a good impression has not sold the goods, the impression that can shape the image of his shop, this has been put forward by Sutisna (2001) in his book Consumer Behavior: Theory and Applications that storeatmosphere (shop atmosphere) will also determine the image of the store itself. If the store features comfortable, air-conditioned, and artistic arrangements for the use of attractive wall paint, all show that the mood of the store is able to increase the luxury and high business competitiveness. From the results of this study, the factors that influence the next decision is the excellent service (excellent service) factors that affect interest. Based on questions about comfort ditoko sakinah perceived by consumers. The service and convenience provided by the sakinah store is considered good by consumers but has not had a major impact in influencing buying interest. By providing a convenient waiting room or shofa facility for customers who are trying sakinah. Thus, customers will feel cared for and happy to re-purchase at a sakinah shop and pricing. Price determination based on the question of the respondent's price level agrees with the price paid in accordance with the quality of the sakinah product. Thus, the company must determine the price in accordance with product quality in order to compete with other companies. In addition, companies can provide discounts or discounts to attract consumers more, so as to improve purchasing decisions sakinah. From the results of this study the method used is Quantitative Design (exterior and interior) has a contribution of 63.3% together to the dependent variable (Y) ie consumer spending interest. The remaining 36.7% is influenced by other factors that are Excellent service and Price Pricing and which are not included in the research. With study research conducted in store Sakinah Wonorejo area of West Surabaya. From the store then the value of increased interest obtained the influence in forming other variables such as excellent service, pricing. Keywords: Design (exterior and interior), Excellent Service, Pricing and Interest

Penerapan Alternatif Akad Pembiayaan Haji dan umrah Pasca Peraturan Menteri No 24 Tahun 2016 Pada Bank Panin Dubai Syariah Surabaya Fitrotu Aini
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1692

ABSTRACTHajj as a great symbol of worship. Hajj is the fifth pillar of Islam which is mandatory for every Muslim who are able to da it in accordance with the legal requirement of pilgrimage. One of the legal conditions of Hajj is the capability, capable to cover the cost of the hajj and the family left behind. Panin Bank Dubai Sharia Bank was established based on the regulation of Limited Company No. 12 dated January 8, 1972 by Moeslim Dalidd, a notary in Malang. PT. Bank Panin Dubai Syariah Tbk has been legalized by the Financial Services Authority ("OJK"), in accordance with a copy of the policy of the Board of Commissioners of OJK No. Kep-29 / D.03 / 2016 on July 26, 2016.Therefore, through this research, the writer wants to understand: (1) how is the practice of applying alternative financial agreement of hajj and umrah after the implementation of regulation made by ministry of religious affair No. 24 year 2016 at Panin Bank Dubai Syariah Surabaya branch? (2) What is the analysis of Islamic law on the practice of multilateral contract alternative application in this Bank? Therefore, this study is aimed to, firstly, understand and describe the application of alternative contracts to hajj and umrah after the regulation of Ministry of Religious Affairs No. 24 of 2016 in Panin Bank Dubai Sharia branch Surabaya, and to describe the analysis of Sharia Economic Law about the practice of applying alternative contract in the bank.The method used in this research is qualitative method. The research data are taken in natural situation in Panin Bank Dubai Syariah Surabaya. The data are taken during operational hours using case study approach. Are done through interview technique with the main participant, Assistant Manager 1, and document, archive, book, sample of registration, as secondary data source. The data are analyzed through 3 (three) data deduction, display data and ended with conclusion and verification.The results of the study indicate that the Panin Bank Dubai Sharia runs in accordance with the government regulation No. 24 year 2016 "BPS BPIH is prohibited from providing direct and indirect Hajj money service" including Hajj and Umrah services using various financing products and funds saving, funds collecting in the form of deposits, savings or other forms, using multi-service financing akad wadi'ah, with the savings of hajj services with initial minimum deposit of Rp500,000,and according to customers’ ability. Keywords: hajj, umrah, wadi'ah.

Manajemen Risiko Pada Pembiayaan Mudharabah di Bank Syariah Pamekasan (Studi Atas Bank Perkreditan Syariah) Rafi Samsuri
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1697

This thesis intends to reveal empirically about the implementation of management to overcome the risk of loss in distributing mudharabah financing in Sharia Credits Banking Bhakti Sumekar Pamekasan. In this study, the authors focused on the subject matter which is how sahib al-mal in Bhakti Sumekar Pamekasan minimized the risk in mudharabah financing, with the aim to explain and analyze the management system used in controlling the risk of mudharabah financing.Overall, this anaysis was conducted based on data and information obtained in the field through interviews, sessions of various relevant documentation, and through direct observation activities. To analyze these problems, the authors used the method of comparative-explorative descriptive approach as a means of analysis. From the results of the existing analysis, it can be concluded that the risk of measurement system in distributing mudharabah financing in Sharia Banking Bhakti Sumekar Pamekasan was measuring the risk of the type of project finance; whether it had high risk, high failure , or have minimal failure or minimal risk. Risk measurement was also done by looking at the internal condition of the company either from aspects of management, marketing, technical production, or financial data in the form of cash flow. The monitoring or monitoring system used by Sharia Banking Bhakti Pamekasan in distributing mudharabah financing were two patterns (1) on desk monitoring or supervision of administrative data, and (2) on site monitoring that directly go to the business location mudarib or inspection on the spot. Keywords: Financing, Akad Mudharabah, Risk Menejement

Kontruksi Yuridis Hybrid Contract Dalam Pembiayaan Take Over KPR pada Perbankan Syariah Kholid Albar
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1688

Abstract In the process of the occurrence of hybrid contract in the process of take over of course the bank which in this case is sharia banking will certainly experience the risks in the financing that is influenced by several factors including the rate of inflation so that it also affects the liquidity of sharia banking itself, today due to the liquidity of sharia banking largely depends on the acquisition of third party funds either in the form of investment account or current account which will be channeled into financing according to sharia, such as mudharabah, musyarakah, murabaha, salam, isthisna and ijarah which can generate profit sharing margin which is the main profit source (income) of sharia banks. Lack of liquidity will cause banks to bankruptcy quickly, whereas if excess liquidity is also dangerous is a low probability that leads to the same thing. So the risk of liquidity will be a consideration for depositors to choose which bank for customers save funds. Because the purpose of this study, First to determine the effect of hybrid contract variables, inflation rate and concepts of profit sharing simultaneously and partially to liquidity risk in Islamic banking. Keywords : Hybrid Contract, Take Over dan Syariah Bank

Sengketa Akad Murabahah Pada Bank Muamalat Tbk. Kantor Cabang Darmo Surabaya Menurut Perspektif Hukum Ekonomi Syariah Hujaidi Bunayan
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2, No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v2i1.1693

One of the concepts of fiqh muamalah which is widely practiced by Islamic banking is akad (agreement) murabaha trading. Akad is much in demand by sharia banking due to security factors and the lack of risk for Islamic banks than mudlarabah and musharaka contracts. Murabahah is a type of trading with the determinatin that are more specific than general trading. Murabaha is a part of sharia banking products. There are dispute between the bank and its custumers, there shall be alternatives to the dispute over the dispute. To the parties to the dispute may settle concensus deliberation, thourgh dispute settlement institutions or through ligition proceedings within the courts set forth in the dispute resolution clause. Based on the background of the above problem, it can be formulated the problem will be identified as follows (1) How to dispute murabaha agrement on Bank Muamalat according to the perspektive of sharia economic law ? (2) How to settle Aqad (agreement) Murabaha dispute with Bank Muamalat Tbk. Darmo, Surabaya Branch Office ?The research method used in this research is normative juridical method with 2 (two) variants approach that is statute approach and conceptual approach. Source of data used are primary data covering material of primary law, secondary and tertiary.This study aimed to (1) analyze the dispute of aqad (agreement) murabaha at the Bank Muamalat according to the perspektive of sharia economic law; and (2) analyze and find the form settlement of aqad murabahah dispute in Bank Muamalat Tbk. Darmo, Surabaya Branc Office. This research is expected to cuntribute thought or provide solutions in the field of law related to the application of Adaq Murabahah in sharia banking institutions in Indinesia through theoretical analytics, be it from philosophical and sociological revew is expected to provide legal protection for customer and Bank Muamalat Tbk. Darmo Surabaya branch office.The results of this study indicate that the findings of the murabahah dispute agreement at the Bank Muamalat Branch Office Darmo Surabaya according to the perspective of sharia economic law caused by the control of the business aspects of the contract. Settlement of Aqad Murabahah dispute with Bank Muamalat Tbk. Darmo Surabaya branch office is conducted by Settlement of dispute through litigation and non-litigation. The completion of disputes with litigation is done through the religious courts. The final result of a dispute completion through litigation is a verdict that states a win-lose solution. Non- completion can be identified by alternative dispute resolution (ADR) with arbitration, negotiation, mediation, conciliation, expert judgment and fact finding.The research method used in this research is normative juridical method with 2 (two) variants approach that is statuce approach and conceptual approach. Sources of data used are primary data that is literature data covering material of primary law, secondary and tertiary. Keywords : Akad, Dispute, Murabahah.

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Kota surabaya,

Jawa timur

INDONESIA