cover
Contact Name
Muhammad Ihsan
Contact Email
yogifebriandi@iainlangsa.ac.id
Phone
+6285294132626
Journal Mail Official
jurnalalmuamalat@iainlangsa.ac.id
Editorial Address
IAIN Langsa, Jalan Meurande, Langsa Lama, Langsa, Aceh, Indonesia
Location
Kota langsa,
Aceh
INDONESIA
Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
ISSN : 24605115     EISSN : 2656288X     DOI : http://do.org/10.32505/muamalat
AL-MUAMALAT is a journal that focuses on the study of Islamic Law and Economics, AL-MUAMALAT Journal aims: 1. Sharia Economic Law 2. Agreement Law in Islam; 4. Comparative Law on Economics; 5. Community Economic Institutions; 6. Civil, Economic, Business (Conventional) Law.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 123 Documents
Direct Selling dalam Usaha Perasuransian Perspektif Hukum Islam Seri Utami Ningsih, SH. -
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 1 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v5i1.1504

Abstract

Insurance companies such as PT. Life Insurance Central Asia Raya, PT. Prudential Life Insurance, PT. Generali Indonesia Life Insurance, PT. Tugu Mandiri Life Insurance, PT. MNC Life Insurance, PT. Asuransi Jiwasraya (Persero), and PT. Sequis Life Life Insurance has marketed one of its insurance products with a direct sales system or better known as direct selling. Direct selling does not include the marketing channels stipulated in the Financial Services Authority Regulation (POJK) No. 23 of 2015 concerning Insurance Products and Marketing of Insurance Products. Based on the POJK, direct selling practiced by insurance companies is illegal. Direct selling is developed by insurance agents by recruiting insurance agents in a row. Otoritas Jasa Keuangan (OJK) confirms direct selling as the development of insurance marketing methods. Supervision is unmindful of the principle of legal certainty, professionalism, and openness. In sadd az}-z}ariah, negligent supervision of the OJK is an act that endangers health insurance. OJK must review the direct selling marketing developed by insurance agents further
Kajian Teoritik Terhadap Urgensi Asas Dalam Akad (Kontrak) Syariah SITI ZAFILAH FIRDAUSIAH FILA
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 1 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v5i1.1519

Abstract

The concept of or in sharia transactions is an important element that regulates and determines the relationship between the economic actors (among others) in a transaction that is related to the contract. Sharia sees the validity of the Akad can be said to be fulfilled if it meets the conditions and pillars of contract. Then, there is a basic principle that can stimulate the contract which is the basis of a foundation, basic, point of decline and footing that serves as a corridor in the creation of the contract as well as a corridor to interpret in resolving treaty disputes. Therefore, the principle becomes very important to be further examined in order to understand the various kinds of akad to make the development of contemporary business Akad and become a reference in making contract. This type of research uses library research. There are principles underlying the creation, enforcement and implementation of sharia contracts that include the principle of ibahah, the principle of freedom of law, the principle of consensualism, the principle of promise binding, the principle of balance, the principle of benefit, the principle of trust, the principle of justice, the principle of personnel, and the written principle.
Dampak Covid 19 Terhadap Praktik Jual-Beli: Sappeami, Sitti Aisyah. M
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 1 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v5i1.1562

Abstract

The Corona virus pandemic exploited by irresponsible elements. They do a cunning business strategy, which is to hoard goods, in fiqhi terms known as iḥtikār. In the Islamic view, iḥtikār is a prohibited business practice and will be met with a painful punishment in the afterlife. The purpose of this paper is to provide an understanding about the impact of COVID 19 on the practice of buying and selling (iḥtikār). This paper uses qualitative research methods in the form of library reseach using the shar'i approach. From this study it can be concluded that the behavior of hoarding goods with the aim of reselling them at high prices to obtain large profits. In Islamic Shari'ah, iḥtikār‘s law is haram because it contains elements that harm others. This is very clearly stated in QS al-Humazah/109: 1-2 and punished by sin as stipulated in the hadith of the Messenger of Allah.
Pendayagunaan Zakat Untuk Penanggulangan Pandemi Covid-19 Perpektif Filsafat Hukum Islam Irfandi EZ; Nurul Maisyal
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 1 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v5i1.1849

Abstract

The global pandemic Covid-19 that occurred in Indonesia made people experience a difficult situation that requires assistance in terms of support, material and financial. Zakat as a source of social funds in Islam has a strategic role to meet these needs. This study examines the importance of zakat for tackling the Covid-19 pandemic. This research is a library research and data collection technique carried out through library studies, using Islamic legal philosophy approach, and results in the conclusion that zakat may be given to Covid-19 affected parties, both for medical teams, corona patients and one of citizens who family has confirmed positive corona, people affected by PHK due to phsycal or social distancing implemented by the government to minimize the transmission of Covid-19, etc
Hukum Wakaf Tunai di Indonesia Dalam Pendekatan Maqashid Syari’ah Shodiqul Amin
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 2 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
Publisher : IAIN Langsa

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Abstract

Issues regarding endowments are often directed towards endowments of high-value objects such as land, buildings, and so on. Along with the times, new perceptions about waqf have been created, not only focused on high-value objects, but penetrated the practice of donating cash. Cash waqf is a fund collected by the endowment manager through the issuance of cash waqf certificates purchased by the public. The focus of this research is how the law that applies to cash waqf in Indonesia is mainly seen from the Maqashid Shari'ah approach. Issues regarding endowments are often directed towards endowments of high-value objects such as land, buildings, and so on. Along with the times, new perceptions about waqf have been created, not only focused on high-value objects, but penetrated the practice of donating cash. Cash waqf is a fund collected by the endowment manager through the issuance of cash waqf certificates purchased by the public. The focus of this research is how the law that applies to cash waqf in Indonesia is mainly seen from the Maqashid Shari'ah approach.
MARGIN DALAM PERBANKAN PERSPEKTIF MAQASID SYARIAH Muzalifah Muzalifah
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 2 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
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Abstract

Konsep margin dalam perbankan syariah mulai menjadi perdebatan. Pernyataan ini berawal dari cara perolehan margin yang ditetapkan perbankan syariah hampir sama dengan cara yang ditetapkan oleh perbankan konvensional yang menerapkan sistem bunga. Perdebatan kemudian melebar kepada sistem bunga, dimana ada yang menghalalkan dan ada juga yang mengharamkan. Dengan demikian yang menjadi permasalahan adalah mengapa bunga bank masih diperdebatkan dalam ekonomi Islam dan bagaimana margin bank perspektif maqasid syariah? Dalam hal ini, penyelesaian permasalahan dikaji menggunakan pendekatan maqasid syariah. Hasil kajian menjelaskan bahwa, perdebatan dalam memahami hukum bunga bank disebabkan oleh perbedaan dalam memahami ayat Al-Quran tentang riba dan bunga bank baik teks maupun konteks, juga lingkungan dimana ulama tersebut berada. Adapun hukum bunga bank perspektif maqasid syariah tergantung pada konteksnya.
PENGALIHAN HAK SEWA TANAH DALAM PERSPEKTIF FIQIH MU’AMALAH, KUHPerdata DAN KHES Muhammad Soleh Aminullah
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 2 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
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Abstract

Sewa-menyewa merupakan suatu perjanjian antara pihak yang satu meyanggupi serta mengikatkan dirinya untuk menyerahkan manfaat suatu barang kepada pihak lain selama waktu tertentu dengan diikuti pembayaran sebagai imbalannya. Dalam perjalanannya, praktik sewa-menyewa yang terjadi tidak selalu berjalan sebagaimana mestinya. Seperti sewa-menyewa yang terjadi di Desa Jatimulyo dimana salah satu pihak bisa saja mengalihan hak sewanya kepada pihak lain ketika sewa-menyewa sedang berlangsung. Metode yang digunakan dalam kajian ini menggunakan kualitatif deksriptis dengan wawancara singkat pada pihak tertentu. Hasil kajian diperoleh: fiqih mu’amalah menilai bahwa pengalihan yang dilakukan dihukumi batal (fasakh), sebab pengalihan yang dilakukan tidak sesuai dangan ketentuan syara’ yang telah ditetapkan. Sementara KUHPerdata menilai bahwa pengalihan tersebut merupakan kegiatan yang tidak diperbolehkan sebagaimana dalam Pasal 1559. Kemudian KHES menilai bahwa pengalihan sewa yang dilakukan adalah sesuatu yang dilarang sebagaimana termaktub dalam Pasal 310. Sehingga dapat dipahami pengalihan hak sewa yang dilakukan adalah hal yang tidak diperbolehkan.
Diskursus Jaminan dan Urgensinya Pada Akad Bagi Hasil di Bank Syariah Fitri Maghfirah
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 2 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
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Abstract

Hukum Islam seiring kompleksnya kebutuhan manusia terus berekonstruksi. Sanada dengan itu, interpretasi penyertaan jaminan pada akad bagi hasil di bank syariah masih menjadi perdebatan hingga saat ini. Berangkat dari itu, penulis hendak menganilisa kontrak pada akad bagi hasil di Perbankan Syariah, serta interpretasi berdasarkan hukum Islam terhadap penerapan jaminan dalam akad bagi hasil. Jenis penelitian ini adalah kajian kepustakaan, dengan metodologi deskriptif, melalui pendekatan normatif. Penelitian ini dilakukan melalui riview berbagai kajian literatur serta kontrak perjanjian akad bagi hasil pada salah satu bank syariah, mengidentifikasi bahwa meski sebagian ulama klasik melarang penyertaan jaminan dalam akad bagi hasil yang didasarkan pada nilai kepercayaan, di samping itu, pembolehan jaminan pada akad bagi hasil di bank syariah dapat diupayakan dengan mempertimbangkan kemashlahatan, yang bertujuan menghalau terjadinya moral hazard diantara para pihak dalam perjanjian tersebut. Pertimbangan pembolehan lainnya, terkhusus dalam keshahihan akad tersebut bahwa perjanjian untuk penyertaan jaminan telah memuat unsur kerelaan antara para pihak. Senada dengan itu, penerapan jaminan dalam akad bagi hasil di bank syariah juga sebagai upaya yang urgen dalam memitigasi risiko, di samping juga untuk mematuhi peraturan Undang-Undang dan peraturan Bank Indonesia yang dibebankan kepada Lembaga Keuangan, peraturan tersebut diamanatkan sebagai upaya menjaga kesehatan arus pembiayaan dalam perbankan.
Perlindungan Direksi Melalui Business Judgment Rule Dhaifina Fitriani
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 5 No 2 (2020): Al-Muamalat: Jurnal Hukum & Ekonomi Syariah
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Abstract

Abstract: The Board of Directors and Business Judgment Rule (BJR) have closed links, especially in the transactions that will be carried out. In carrying out their duties, directors confuse in making decisions. On the one side, a director is required to seek profits from his company, while on the other side when making a wrong decision is considered detrimental to the country's finances and threatened with UU Nomor 20 Tahun 2001 is concerning Corruption Crimes (Corruption). This paper uses analysis studies (analysis studies) by collecting primary data and secondary data from library research (library research) and using a juridical normative approach in analyzing data. Based on these problems it can be concluded that this case is a business economic transaction carried out by a company director based on his own decision. Despite causing harm to the company. The Directors in leading PT Persero are protected by their actions by law through the principle of Business Judgment Rule (BJR) in business economic transactions.
Menakar Manajemen Resiko Pada Perbankan Syariah M. Yahya; Saparuddin Siregar; Sugianto
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 6 No 2 (2021): Juli-Desember
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v6i2.1155

Abstract

Risk management is an important element whose implementation is very important, especially in the Bank as a financial institution. In a rapidly developing external and internal banking environment, Islamic banks are always faced with various types of risks with varying degrees of complexity and inherent in their business activities. The result of this article is an Islamic bank operational risk management process which includes risk identification, risk assessment, risk anticipation, and risk monitoring arising from bank business activities. In the risk management process, the initial stage of Islamic banks must correctly recognize and understand and identify all risks, existing bank risks (inherent risks) and those that may arise from a new bank business. Furthermore, successively, Islamic banks need to measure, monitor and control risk. This process is continuous, so it becomes a lifecycle. Keywords: Risk management, Islamic Bank

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