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Contact Name
Opik Rozikin
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rozikinopik@gmail.com
Phone
+6285862536992
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rozikinopik@gmail.com
Editorial Address
Jl. AH. Nasuiton No. 105 Cibiru Kota Bandung
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Kota bandung,
Jawa barat
INDONESIA
Al-Muamalat : Jurnal Ekonomi Syariah
ISSN : 20863225     EISSN : 27160610     DOI : 10.15575/am
Al-Muamalat: Jurnal Ekonomi Syariah is a Journal of Sharia Economic Development published for the first time by the Department of Muamalah, Faculty of Sharia and Law, UIN Sunan Gunung Djati Bandung. Published every six months as a medium for publishing scientific papers, synopsis of research reports and discussion of books in Sharia Economics. The contents of articles published in this Journal do not reflect the views and thoughts of the editor or the institution. Al-Muamalat journal is published twice every two years, in January and July.
Articles 35 Documents
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PINJAMAN MODAL YANG DITERIMA KOPERASI JASA KEUANGAN SYARIAH (KJKS) NURUL FALAH DARI BANK JABAR BANTEN KCP SAYATI Permana, Sidiq; Ajazy, Yusuf
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i1.9637

Abstract

ABSTRACTSharia Financial Services Cooperative (KJKS) Nurul Falah in meeting the needs of KJKS members impose some savings, including mandatory special savings, mandatory savings, and voluntary savings. In addition, KJKS in fulfilling its operational capital absorbed loans from third parties namely banks and non-banks. KJKS Nurul Falah absorbed a loan from Bank Jabar Banten which operated using the interest system.This study aims to determine: 1) Background KJKS Nurul Falah to borrow from Bank Jabar Banten. 2) The process of capital granting from Bank Jabar Banten to KJKS Nurul Falah. 3) The relevance of muamalah fiqih to capital loan KJKS Nurul Falah from Bank Jabar Banten.The research method used is descriptive research method, which is explaining about the view of sharia economic law on capital received KJKS Nurul Falah from Bank Jabar Banten. Sources of data there are two kinds, namely: 1) Primary data source (from the administrators or employees KJKS Nurul Falah). 2) Secondary data sources (from archives and books relating to the problem under investigation). Data obtained by interview and literature study.The results of this research, first. Background KJKS Nurul Falah to do capital loan to Bank Jabar Banten, because: 1). Doing business with Sharia Bank is not profitable. 2). Islamic banks can not afford to monitor every customer. Second, the process of providing capital from Bank Jabar Banten using two contracts, namely: 1). People's Business Credit (KUR). 2) Credit cash collateral. Third, Relevance fiqih muamalah about the capital received KJKS Nurul Falah from Bank Jabar Banten, there is a permit and there is a ban. The possible reasons are that there are exceptions to interest loans: 1) Emergency. 2) Not doubled. 3) Legal Entity and Law of Taklifi. As for the reasons that prohibit the verses of Al-Quran about usury, the hadith of the Prophet, the rules of ushul fiqih, the opinion of the scholars in the country and abroad, and Fatwa DSN MUI NO.04 / MUI About interest (interest / interest).The conclusion of this research is that the capital received by KJKS Nurul Falah from Bank Jabar Banten is irrelevant to the existing legal basis, such as: Al-Qura'an, Hadith, fiqih muamalah, legal search with ushul fiqih method, opinion The clerics, the MUI fatwa, although some allow the interest, but the source of the law for the acquisition is less strongly the legal arguments.
PENYELESAIAN SENGKETA EKONOMI SYARI’AH DI PA CIMAHI DIHUBUNGKAN DENGAN PASAL 49 HURUF I UU NO. 3/2006 TENTANG BIDANG KEWENANGAN PENGADILAN AGAMA Safe’i, Abdulah; Kholid, Muhamad
Al-Muamalat: Jurnal Ekonomi Syariah Vol 5, No 2 (2018): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v5i2.5163

Abstract

ABSTRAKPasal 49 huruf I UU No.3 Tahun 2006 tentang perubahan atas UU No.7 Tahun 1989 tentang Peradilan Agama memberikan kewenangan baru bagi PA sebagai lembaga litigasi penyelesaian sengketa ekonomi syariah. UU No. 3 Tahun 2006 telah memasuki tahun ke-10, setidaknya sampai tahun 2014 hanya terdapat 6 perkara ekonomi syariah yang diselesaikan melalui PA. Diantaranya diselesaikan PA Cimahi dengan Nomor Perkara No.3410/Pdt.G/2014/PA.Cmi antara Bank Bukopin Syariah Cabang Bandung sebagai Penggugat melawan Primkoppol Polres Cimahi sebagai Tergugat I. Perkara tersebut telah memiliki putusan inkracht. Tujuan penelitian untuk mengetahui, memahami dan menganalisis pelaksanaan penyelesaian sengketa ekonomi syariah,  kendala-kendala yang dihadapi, dan usaha yang telah dilakukan oleh Pengadilan Agama Cimahi dalam menghadapi kendala-kendala tersebut. Metode penelitian yang digunakan adalah adalah yuridis normative dengan spesifikasi deskriftif-analitis. Termyata pelaksanaan penyelesaian sengketa ekonomi syariah di PA Cimahi Nomor Perkara 3410/Pdt.G/2014/PA Cmi antara Bank Bukopin Syariah Cabang Bandung selaku Penggugat dengan Primkoppol Polres Cimahi sebagai Tergugat I yang telah memiliki putusan inkracht. Hukum formil yang digunakan masih menggunakan HIR/RBg dan peraturan terkait lainnya dengan hukum materilnya diantaranya KHES. Kendala yang dihadapi adalah belum adanya hukum formil sengketa ekonomi syariah dan belum adanya hukum materil yang aplikatif.
PENERAPAN AKAD ISTISHNA’ PADA KPR SYARIAH ASTER VILLAGE CIWASTRA DI PT ROYAL BRIDEA INDONESIA Nurmala, Risma; Mubarok, Jaih; Hasanudin, Muhammad
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v7i1.10859

Abstract

In the case of house purchases in it will be given the breadth to continue or cancel the contract (khiyar), in the implementation of the Aster Village Ciwastra only allow khiyar majelis while khiyar conditions are not allowed. This study aims to determine the concept of Aster Village Ciwastra sharia mortgages at PT Royal Bridea Indonesia, know the operational system of Aster Village Ciwastra sharia mortgages at PT Royal Bridea Indonesia, and the application of the istishna 'contract that has been applied, is it in accordance with DSN-MUI fatwa No 06 year 2000 about buying and selling istishna'. The method used is descriptive which aims to explain or describe the practice of istishna contract 'at Aster Village Ciwasta. Based on the results of the study, it can be concluded 1). The concept of sharia mortgages used by Aster Village Ciwastra at PT Royal Bridea Indonesia is a concept of ownership that is paid directly to the developer without involving the bank. 2). Sharia KPR operational system used is a 5-year KPRS with a system without a bank, without interest, without confiscation, and without a contract that is false. 3). The application of the istishna contract 'at Aster Village Ciwastra sharia mortgages at PT Royal Bridea Indonesia was reviewed with fatwa No 06 / DSN - MUI / IV / 2000 concerning the sale and purchase of istishna' not yet in full compliance, namely in the case of the provisions of item 5 (mustashni buyers' may not be allowed sell goods before the recipient) and 7 (in case there is a defect or the goods are not in accordance with the agreement, the customer has a khiyar right (the right to vote) to continue or cancel the contract), whereas in the implementation prior to the agreement it has been stipulated that only allows the khiyar of the assembly while the khiyar is a condition not allowed. There are also other matters regarding the provisions of points 2 and 3.
APLIKASI AKAD WAKALAH PADA PRODUK BSM E-MONEY DI BANK SYARIAH MANDIRI Yuhanida, Ida; Durrotunnafisah, Didah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v5i1.9653

Abstract

The development of increasingly sophisticated technology, transactions do not need to bring cash, but nowadays the community has been facilitated by the existence of electronic money (E-Money). BSM E-Money is a product in the Bank Syariah Mandiri Bandung Branch Office Ahmad Yani, which is a prepaid card based on smart cards that can be used for various transactions. BSM E-Money products use the wakalah contract, but in its operation the wakalah contract on BSM E-Money products is not explained in detail in the product implementation instructions, it is feared that there will be misuse of the contract. The purpose of this study is to find out: 1) Application of wakalah contract in BSM E-Money products in Bank Syariah Mandiri. 2) Form and process of transaction of BSM E-Money products. 3) Relevance between the application of wakalah contract on BSM E-Money products at Bank Syariah Mandiri with Sharia Economic Law. The framework of thought of this research is based on the contract used in time with the rewards for BSM E-Money products including the contract contract in terms of leasing services and also based on the principle of muamalah, namely the origin of muamalah may be done until there is a argument that prohibits it. The research method used in this study is a juridical-normative method. The type of data used in this study is qualitative. Source of data used is primary data in the form of interviews with Bank Syariah Mandiri and Product Operational Standards (SOP). Secondary data sources are obtained from literature in the form of books and other written documents. In this study the author uses data collection techniques by means of documentation, interviews and literature studies. The results of the study researchers conclude: 1) Application of wakalah contract on BSM E-Money products at Bank Syariah Mandiri Bandung Branch Office Ahmad Yani uses a wakalah contract whereby Bank Syariah Mandiri represents its work to partner outlets (merchants) to become representatives in transactions done by the customer. Partner outlets (traders) get rewards (wages / fees) from each transaction made by the customer for their work. 2) The form and process of BSM E-Money products can be used in various transactions at partner outlets (traders) that already have E-Money marks and can receive various transactions such as top-up, shopping transactions and payment transactions. 3) The relevance between the wakalah contrct in BSM E-Money products is in accordance with Sharia Economic Law.
PELAKSANAAN AKAD WAKALAH DALAM PEMBIAYAAN MURABAHAH DI BANK SYARIAH MANDIRI KCP JATINANGOR Fadilah, Febrianti Nurul; Sa'diyah, Diah Siti
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i2.9642

Abstract

ABSTRACT The implementation of the Wakalah contract in Murabahah Financing at BSM KCP Jatinangor Office in micro-financing products, namely where the bank fully surrenders the customers to customers appointed by the Bank as representatives of the Bank to purchase goods in accordance with agreements in the form of transferred funds posted in form of bank account in the name of the customer. The purpose of this study was to determine, 1) Implementation of wakalah contract in murabahah financing in BSM KCP Jatinangor, 2) Consideration of banks on the implementation of wakalah contract in murabahah financing at BSM KCP Jatinangor, and 3) Overview of Sharia Economic Law on the implementation of wakalah in murabahah financing at BSM KCP Jatinangor. This framework of thinking starts from must be done on the basis of liking by fulfilling the values of justice. As for the transaction, there must be terms and conditions that must be fulfilled in accordance with sharia principles, so as not to cause harm and harm to one party. The approach method used in this writing is descriptive method, which describes the objective conditions and analyzes the collected data. The type of data used in this study is qualitative. The technique used is by way of observation, interviews, literature studies that relate to this research. Based on the results of the study the authors conclude as follows: (1) Implementation of wakalah contract in murabahah financing in BSM KCP Jatinangor on this microfinance product to attract public interest in order to increase customer loyalty to banks considering BSM KCP Jatinangor was established in education. (2) Considering that the bank is not a provider of goods or shops, the bank hereby authorizes the customer to act as a representative of the bank to purchase goods according to specifications, conditions and prices approved by the Bank. (3) There appears to be negligence carried out by the Bank in the implementation of the Wakalah agreement in murabahah financing in BSM KCP Jatinangor Finally it can be concluded that the implementation of the wakalah contract in murabahah financing is in accordance with the Sharia Economic Law in terms of contract and principle. However, it is not fulfilled in principle, namely the principle of prudence by the Bank and customers who are not involved in financing.
PELAKSANAAN MOTIVASI KERJA DAN INSENTIF DALAM MENINGKATKAN KINERJA PEGAWAI FAKULTAS SYARI’AH DAN HUKUM UIN SGD BANDUNG Hartati, Neneng; Badriyah, Mila
Al-Muamalat: Jurnal Ekonomi Syariah Vol 5, No 2 (2018): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v5i2.5168

Abstract

ABSTRAKUntuk mencapai peningkatan kualitas kinerja dari sumber daya manusia, perlu didukung dengan adanya motivasi kerja dan insentif yang dapat dijadikan sebagai pegangan bagi setiap pegawai agar dapat bekerja secara optimal. Penelitian ini bertujuan, yaitu untuk mengetahui kaitan motivasi kerja dan insentif dengan kinerja pegawai di Fakultas Syari’ah dan Hukum. Dalam penelitian ini, peneliti menggunakan metode deskriptif-kualitatif, yakni memberikan gambaran dengan suatu satuan analisis secara utuh dalam satu kesatuan yang terintegrasi. Dari hasil penelitian, konsep motivasi kerja yang dikembangkan di lingkungan Fakultas Syari’ah dan Hukum, yaitu bagaimana para pegawai mampu bekerja cepat, tepat, dan benar. Sedangkan bentuk motivasi yang dikembangkan, yaitu diberikan insentif berbasiskan kinerja, membuka ruang untuk promosi jabatan bagi yang berprestasi.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP JUAL-BELI SEPATU MENGGUNAKAN SISTEM RAFFLE (UNDIAN) (Studi Kasus Event Bandung Sneakers Season 2.0) Fachrurrozy, Fachry; Kamal, Asep Mustafa; Radiana, Aan
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v7i1.10855

Abstract

Buying and selling with a raffle system is a buying and selling process that uses a lottery to determine the potential buyers who are entitled to buy the items they selected. One of the events that have raffle mechanism is Bandung Sneakers Season 2.0 (BSS 2.0) event. The purpose of this research is to study the mechanism, advantages and disadvantages, and the process of selling and buying of shoes with the raffle system of BSS 2.0 according to Islamic economic law. The method used in this research is descriptive method that is intended to provide a description of the phenomenon or object of research. The results of this study prove that there are three types of raffle mechanisms at BSS 2.0 event. The advantages that can be obtained in the raffle system are minimizing charting, saving time and conducive, while the disadvantages that can be obtained are tickets that must be purchased in greater quantities, and requiring potential shoe buyers to buy unneeded products. Raffle mechanism with tickets obtained for free is a permitted transaction, whereas raffle with tickets obtained by buying sponsor products or buying it directly is a unallowed transaction because there is an element of gambling.
PELAKSANAAN AKAD TABARRU’ DAN AKAD WAKALAH BIL UJRAH PADA PRODUK ASURANSI SYARIAH DI AXA MANDIRI KCP BUAH BATU Rahmat, Syaukani; Mubarok, Jaih
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i2.9647

Abstract

                 ABSTRACTMandiri Syariah Sejahtera Syariah is a product issued by one of the conventional insurance companies, namely AXA Mandiri, which is a sharia-based insurance product that has both the first benefit of the potential benefits of using tabarru 'contract and the second benefit is using the wakalah bil ujrah contract. The purpose of this study was to determine 1) the mechanism of implementation of tabarru 'contract in the Mandiri Sejahtera (MRS) product on Axa Mandiri at KCP Buah Batu Bandung 2) mechanism for the implementation of the wakalah bil ujrah contract in the Mandiri Rencana Sejahtera (MRS) product on Axa Mandiri on KCP Buah Batu Bandung 3) Assessment of Syari'ah Economic Law (Muamalah) on the implementation of tabarru 'contract and the contract of wakalah bil Ujrah in the Mandiri Sejahtera (MRS) product on Axa Mandiri at KCP Buah Batu Bandung. The conceptual framework or concept of problem solving in this study uses two DSN- MUI  fatwas,  first  Fatwa  No.53  /  DSN-MUI  /  III  /  2006  concerning  Tabarru. 'Agreement on Sharia Insurance and No.NDN. 52 / DSN-MUI / III / 2006 concerning the Wakalah Agreement on Uj Ujrah on Sharia Insurance and Sharia Reinsurance. The type of research used in this study is empirical research (socio legal research). Using descriptive analysis method, while the data collection method is through interviews, documentation and literature study, which is collecting, compiling, analyzing, managing data and drawing conclusions from this study. The conclusion obtained from this study is that 1) the implementation of the tabarru contract in which policyholders grant their funds to PT Axa Mandiri and are collected in separate accounts with other funds. 2) Implementation of the wakalah bil ujrah contract, where the customers represent PT Axa Mandiri to manage these funds in sharia instruments, divide the results when there is a surplus underwriting and perform Qardh (pinjman) in the event of a deficit. 3) As well as a review of Sharia Economic Law in the DSN fatwa No. 53 / DSN-MUI / III / 2006 concerning Tabarru 'Agreement on Sharia Insurance and No.NDN. 52 / DSN-MUI / III / 2006 concerning the Wakalah Agreement  Bil  Ujrah  on  Sharia  Insurance  and  Sharia  Reinsurance.  Against the implementation of the Tabarru 'Agreement and the Wakalah Bil ujrah contract in the Mandiri Renacana Sejahtera product in AXA Mandiri KCP Buahbatu is in accordance with Sharia Principles. But regarding the provisions of the contract not written down or clearly explained about the rights and obligations between the participants as participants in the group meaning. Where should be explained such as the rights andgations of participants as individuals so that there is clarity in the participants' understanding of the rights and obligations of the participants. 
PENENTUAN BESARAN NISBAH BERDASARKAN SIMPANAN PADA PRODUK TABUNGAN BERENCANA DI BANK SYARIAH MANDIRI KCP BUAH BATU BANDUNG Anggara, Ade Yuda; Radian, Aan
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i1.9638

Abstract

ABSTRACTBank Syarih independently in fund raising offers savings plan products. This planning tabugan product using mudharabah mutlaqah contract, where the bank can manage customer funds and from the profit obtained dibagihasilkan between customers and banks in accordance with the percentage of the agreed ratio. In percentage ratio there is a difference with PBI No 10/14 / Dpbs 17 March 2008, where the ratio of the ratio is determined by both parties is not determined by unilateral by LKS (independent syariah bank) and not also based on nominal money deposited in the bank. The purpose of this research is to know: (1) the mechanism of savings product planning mudharabah mutlaqah in syariah bank mandiri KCP buah batu bandung (2) procedure of determination of ratio on savings product planning mudharabah mutlaqah in syariah bank mandiri KCP buah batu bandung (3) analysis of sharia economic law on savings products plan by using mudharabah mutlaqah contract in syariah bank standalone KCP buah batu bandung. The theory used in this research is mudharabah mutlaqah, the contract agreement between both parties shahibul maal and mudharib, where shahibul maal entrusted entirely to the funds invested to mudharib and shahibul maal does not provide limits of business type, time required, marketing strategy, as well as the business areas undertaken. The results of the research show that: (1) the planning savings mechanism is quite easy only by giving identity card in the form of KTP / SIM / Passport of the customer and having savings as the account of origin can already be the savings account of the planning (2) using mudharabah mutlaqah contract in BSM KCP of bandung stone is based on the average balance and will be booked into savings account of savers at next month, so that it can produce different nominal difference every month (3) analysis of this research shows there is different legal reference salaing PBS, fatwa and BSM, of which three have different laws in a planned savings product, the percentage ratio by virulence of DSN MUI NO 2 on savings, independent syariah bank may set its own percentage ratio, then an independent syariah using the ratio refers to the equivalent rate issued by Bank Indonesia or follow the fiscal policy, while in determining the Bank Indonesia ratio determined through PBI No 10/14 / Dpbs, stating the need for an agreement. The results of this study that the independent sharia bank KCP stone bandung allow to determine the percentage of the ratio unilaterally based on a stronger legal reference of the DSN MUI nowa No. 2 on savings.
MEMBANGUN KEMITRAAN UNIVERSITAS DENGAN PEMERINTAH DAERAH DALAM PENGEMBANGAN EKONOMI KREATIF BERBASIS SYARI’AH DI JAWA BARAT Sobana, Dadang Husen; Wardiyah, Mia Lasmi
Al-Muamalat: Jurnal Ekonomi Syariah Vol 5, No 2 (2018): Al-Muamalat
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v5i2.5164

Abstract

ABSTRAKAda beberapa kendala yang dihadapi UMKM di antaranya adalah keterkaitan dengan prospek usaha yang kurang jelas serta perencanaan, visi dan misi yang belum mantap. Ini terjadi karena UMKM bersifat income gathering yaitu menaikkan pendapatan, dengan ciri-ciri sebagai berikut: merupakan usaha milik keluarga, menggunakan teknologi yang masih relatif sederhana, kurang memiliki akses permodalan (bankable), dan tidak ada pemisahan modal usaha dengan kebutuhan pribadi, kurangnya akses informasi, khususnya informasi pasar. Tujuan penelitian untuk membangun suatu model kemitraan yang ideal antara Universitas Islam Negeri (UIN) Sunan Gunung Djati Bandung dengan Pemerintah Provinsi Jawa Barat dalam pengembangan industri ekonomi kreatif berbasis Syari’ah. Penelitian ini menggunakan metode deskriptif analitik, suatu penelitian untuk memberikan data yang seteliti mungkin tentang masalah yang dibahas. Adapun teknik pengumpulan data yang dikumpulkan melalui observasi, wawancara dan studi kepustakaan. Hasil penelitian menunjukan, model kemitraan yang ingin di bangun antara UIN SGD dan Pemerintah Provinsi Jawa Barat adalah model an-Nashirul Kaffah, dengan aqad mudharabah atau musyarakah.

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