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Al-Muamalat : Jurnal Ekonomi Syariah
Published by Universitas Islam Negeri Sunan Gunung Djati Bandung
ISSN : 20863225     EISSN : 27160610     DOI : 10.15575/am
Core Subject : Economy, Humanities, Social,
Humanities Economics, Econometrics & Finance Social Sciences
Al-Muamalat: Jurnal Ekonomi Syariah is a journal that focuses on the development of Islamic Economics. The journal comprehensively examines various aspects of current and emerging laws and economics relevant to the field. The journal board welcomes articles from scholars, professionals, researchers, and students as a collective effort toward the advancement of Islamic economics, submitted manuscripts will be published and disseminated. The journal releases new issues twice annually, in January and July. Al-Muamalat: Jurnal Ekonomi Syariah focuses on the main issues in the development of Islamic Economics, covering conceptual ideas and research findings related to the following areas: 1. Islamic Economics Law 2. Islamic Banking and Finance 3. Islamic Business 4. Islamic Law 5. Islamic Marketing 6. Islamic Philanthropy 7. Islamic Human Capital 8. Halal Supply Chain Management 9. Halal Industry 10. Other Topics Related to Islamic Economics
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 7 Documents
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Search results for , issue "Vol 6, No 1 (2019): January" : 7 Documents clear
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PINJAMAN MODAL YANG DITERIMA KOPERASI JASA KEUANGAN SYARIAH (KJKS) NURUL FALAH DARI BANK JABAR BANTEN KCP SAYATI Sidiq Permana; Yusuf Ajazy
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, 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.
PENENTUAN BESARAN NISBAH BERDASARKAN SIMPANAN PADA PRODUK TABUNGAN BERENCANA DI BANK SYARIAH MANDIRI KCP BUAH BATU BANDUNG Ade Yuda Anggara; Aan Radian
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, 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.
LABELISASI HALAL ILLEGAL PADA PRAKTIK JUAL BELI PRODUK PANGAN DI LINGKUNGAN KAMPUS UIN BANDUNG SERTA RELEVANSI PANDANGAN HUKUM EKONOMI SYARIAH Cunia Wulan Sari; Didah Durrotun Nafisah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i1.9639

Abstract

ABSTRACTHalal labeling is very influencing consumers' interest in buying products because consumers believe in these products, in Islam it has also been explained that in the sale and purchase product must fulfill the requirements as the goods must be pure, useful, must belong to the seller, and the goods must be known. Regarding the guarantee of halal products, one of them is from the Law No. 33 of 2014. Where consumers have the right for the comfort, the secure in consuming goods or services. In this circumstance, the author found a case where the merchant or seller of the food products did not have a halal certificate and included the illegal-halal on their products. Based on the theoretical framework of buy and sell, there is a principle, one of the condition about the goods to be traded must be pure or not profane as explained in Islamic law. In this case, the seller of the food products that the authors have met they used illegal-halal labels and claimed that their food products were a hundred percent halal. This research This study uses a case-study method, which is expected to explain and reveal various problems related to the problems in this thesis, the data collected by the author is from the people or traders who run the businesses with illegal-halal labeled food products. From this research, it can be concluded that in the view of Islamic law this illegal-halal labeling is clearly very inconsistent, because the seller only sells or produces food products regardless of the halal listed in the composition.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PENERAPAN TARIF JUAL BELI AIR PDAM TIRTA MEDAL KABUPATEN SUMEDANG (Studi Kasus Di Lingkungan Cipada Kelurahan Kotakulon Kecamatan Sumedang Selatan) Luthfi S. Abdurrahman Al Ghafiqi; Ateng Rohendi
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i1.9635

Abstract

AbstractThe regional drinking water company (PDAM) Tirta Medal Sumedang is a company engaged in the distribution of water that sells its products, namely in the form of clean water. But in the application of the charge, are likely to be detrimental to customers. The rates applied PDAM Sumedang based on decision letter of Regent Sumedang number: 690/KEP. 51.0-HUK/2015 about the determination of the tariff adjustment of drinking water in the Area of drinking water for the water Company Medal Sumedang wear wearing 10 minimum cubic meters. This means that although customers in a month to wear the water PDAM of 5, 6, or 7 cubic meters then the payment is charged to the customer remain, namely 10 cubic meters. This research aims to find out: first, knowing and describe practice of selling water PDAM, the determination of the price classification, and the customer PDAM Tirta Medal; and second, an analysis of the economic law of Sharia against the application of the price and selling the water PDAM in the environment Cipada Kotakulon Village sub district of Sumedang Selatan Sumedang. Research methodology descriptive method used is a study that attempted to observe the problems systematically and accurately about the facts and the nature of the particular object. Descriptive research is aimed at exposing and illustrating the practice and application of fares and selling water PDAM Tirta Medal Sumedang and perspective of economic law according to Sharia law. The fare is the price list which is manifested in the form of currency. While the selling is the exchange of property between two parties on the basis of mutual consent and moving belong with the dressing that can be justified, it means the item is interchangeable with the replace tool which can be justified. The results of such research, researchers concluded: first, the practice of buying and selling of water PDAM Tirta Medal Sumedang is to manage and distribute their products (fresh water), accept the installation of connections new subscription, provide the information It takes consumers, responding to complaints from consumers, and serve the payments, while the determination of the price of the water and its customers set up based on the decision letter of the Regent of Sumedang number: 690/KEP. 51.0-HUK/2015 December 30, 2015; and second, the application of the tariff and selling water TAPS Tirta Medal Sumedang based on DECREE of the Regent of Sumedang number: 690/KEP. 51.0-HUK/2015 does not comply with the laws of the Sharia, because economic mechanism pricing in economic law of Sharia should be in accordance with the trends of al-Sharia, i.e. the realization of kemashlahatan and avoid any damage to the relationship between human (hablum min an-nas). The authors suggest the need for further regulation of the PDAM Sumedang and also local governments in implementing the water tariff. Given the community or customers who complained a lot and feel aggrieved by the rate of water PDAM.
ANALISIS PERUBAHAN KRITERIA PERATURAN BAPEPAM LK NOMOR II.K.1 TENTANG KRITERIA DAN PENERBITAN DAFTAR EFEK SYARIAH TAHUN 2007, 2009, 2012 A Abdussalam; Neni Nuraeni
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i1.9640

Abstract

ABSTRACTThis research is motivated by regulations concerning criteria qualitative, namely the type of business and quantitative criteria, namely the ratio Islamic stock finance published in 2007, 2009 and 2012 in the form Bapepam and LK regulations. In Bapepam and LK regulations Number II.K.1 about Criteria and Issuance of List of Sharia Securities there is still tolerance to financial ratios, namely to interest-based debt with income interest based and other non-halal income. In the formulation of this study is how the changes, reasons and position of the Bapepam LK Regulation Number II.K.1 concerning Criteria and Issuance of List of Sharia Securities. This study aims (1) To find out changes in Qualitative Criteria and Quantitative Criteria in Bapepam LK Regulation Number II.K.1 about Criteria and Issuance of List of Sharia Securities in 2007, 2009, 2012. (2) For find out what is the reason for the changes in Bapepam LK regulations number II.K.1 about Criteria and Issuance of Sharia Securities List in 2007, 2009 and 2012. (3) To determine the Position of Bapepam LK Regulation Number II.K.1 about Criteria and Issuance of List of Sharia Securities in the legal system Capital Market in Indonesia. This research was conducted by juridical-normative method, namely analyze the contents of legislation in the form of Bapepam and Regulations LK. The source of the research is Bapepam LK Regulation Number II.K.1 and Fatwa DSN-MUI. Techniques for collecting data through interviews, documentation studies and literature review. Qualitative data analysis by collecting data to then be interpreted and conclusions taken. This study concludes (1) changes in 2007 to 2009 occur changes to qualitative and quantitative criteria but not too significant. Then in 2009 to 2012 there was a change in quantitative criteria that is to financial ratios to point (a) interest-based debt ratios at appeal with total assets of not more than 45%. (2) the reason that happened to changes from 2007 to 2009 were to provide information comprehensive about sharia securities, while changes from 2009 to 2012 are because the ratio calculation based on capital is considered irrelevant reasons: (i) Companies that lose (small capital) are not necessarily performance going forward is not good; (ii) No other country uses that ratio capital-based. (3) Bapepam LK Regulation Number II.K.1 concerning Criteria and The issuance of the List of Sharia Securities is still valid and provides reference to issuers that enter the List of Sharia Securities. Even though it is currently Bapepam LK has been abolished and merged with Bank Indonesia to become a Service Authority Finance (OJK). Because there are no new regulations issued by the FSA and Bank Indonesia, so that this regulation is still valid.
PENYELESAIAN PEMBIAYAAN BERMASALAH PADA PEMBIAYAAN MURABAHAH DENGAN TANGGUNGRENTENG DI BTPN SYARI’AH KCP CIKAMPEK Iis Dewi Kurnilawati; Siti Nur Fatoni
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i1.9636

Abstract

ABSTRACTMurabahah financing agreement conducted by the National Pension Savings Bank of sharia Cikampek auxiliary Branch Office is murabahah financing for the purchase of business capital of a group of rural women who want to expand their business. Over time there are some among the customers who do not meet the achievements by not installing on time and even experiencing a payment jam. To solve the financing problems, the bank implements a joint responsibility system or financing in groups. The purpose of this study is to know (1) the implementation of murabahah financing with joint responsibility in the National Pension Savings Bank of sharia Cikampek auxiliary Branch Office, (2) the settlement of problem financing in murabahah financing with the joint liability of the National Pension Savings Bank of sharia Cikampek auxiliary Branch Office, (3) the relevance of the settlement of non-performing financing on murabahah financing with joint liability at the National Pension Savings Bank of sharia Cikampek auxiliary Branch Office with muamalah fiqalah. Murabahah financing with joint responsibility is financing conducted in groups, this financing provides convenience to customers who want to expand their business but he does not have access to the bank. In this financing the customer does not have to provide an assurance of the object because the collateral used is a guarantee of self or trust between the bank and the customer. The method used is descriptive method of applying, describing, and describing the implementation of joint responsibility at murabahah financing in the National Pension Savings Bank of sharia Cikampek auxiliary Branch Office. The data collection techniques through interviews to the bank and its customers. Observation by way of observation directly to the field. The study of literature in the form of books made into literature in this study, as well as data sources obtained from various references in the form of notes, papers, dissertations and others related to the object under study. Based on the results of the research, it is found that in the implementation of murabahah financing with joint responsibility there are several stages: (1) financing proposal, (2) basic training of membership, (3) financing contract, (4) group savings, (5) Groups and group leaders. The problematic financing settlement is done by prevention of problem financing and when problematic financing still occurs, the settlement will be used using the joint responsibility system, customer savings fund, family approach, and rescheduling policy. Settlement of problem financing conducted by the National Pension Savings Bank of sharia Cikampek auxiliary Branch Office Assistant in murabahah financing with joint responsibility is not yet relevant to muamalah fikih for violating the principle of jurisprudence muamalah namely the principle of an ta 'ra din.
ANALISIS FATWA DSN-MUI NO.40/DSN-MUI/X/2003 TENTANG PASAR MODAL DAN PEDOMAN UMUM PENERAPAN PRINSIP SYARIAN DI BIDANG PASAR MODAL Ulfah Nur Afiyah; Moch Mahbub
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 1 (2019): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v6i1.9641

Abstract

ABSTRACTThe analysis aims to know the background of the emergence of DSN-MUI Fatwa No.40/DSN-MUI/X/2003, the term application of sharia principles in fatwa as well as its comparation with POJK No.15 No.15/POJK.04/2015 on the Application of Sharia Principles in Capital Markets. The method used in this analysis takes the form of a juridical-normative method that is, by way of approaching the problem studied with the normative nature of the law that is to base oneself on norms and rules sourced on the terms of fatwa and POJK. The results of the study showed that the birth background of fatwa was because Muslims at the time needed guidelines in the implementation of capital markets that were in accordance with sharia principles. The use of the term sharia principle in capital markets because the general principle applied in capital markets is already aligned with the sharia principle and patterns used in Indonesia in the pattern of integration (integration). POJK is a result of fatwa legitimacy. The substance is both continuous, only that in POJK is mentioned regarding sanctions indicating the implementation of a more binding and legally-powered POJK.

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