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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 2 (2019): July" : 7 Documents clear
PELAKSANAAN AKAD WAKALAH DALAM PEMBIAYAAN MURABAHAH DI BANK SYARIAH MANDIRI KCP JATINANGOR Febrianti Nurul Fadilah; Diah Siti Sa'diyah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): July
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.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 AKAD TABARRU’ DAN AKAD WAKALAH BIL UJRAH PADA PRODUK ASURANSI SYARIAH DI AXA MANDIRI KCP BUAH BATU Syaukani Rahmat; Jaih Mubarok
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): July
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.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. 
PENERAPAN DENDA TA'ZIR PADA PRODUK PEMBIAYAAN MIKRO DI BRI SYARIAH KCP KOPO Meti Hasanah; Asep Arifin
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): July
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.v6i2.9643

Abstract

ABSTRACTBRI Syariah Bank Kopo Sub-Branch Office is a sharia financial institution that imposes sanctions on capable customers who delay payments in the form of a sum of money agreed upon at the time of the contract. The Bank will impose the fine calculated from the payment due until the date the payment is repaid. This sanction is based on the ta'zir principle, which aims to make the customer more disciplined in carrying out his obligations. Penalties obtained from customers are returned to the customer by accumulating the amount of the fine at the end of the financing.This study aims to find out, (1) to find out the process of giving Micro Financing in BRISyariah KCP Kopo, (2) to find out the application of ta'zir fines to Pembiayan Mikro products at BRI Syariah KCP Kopo, (3) to find out the suitability between the DSN No Fatwa .17 / DSN-MUI / IX (a) 2000 with ta'zir fines on Pembiayan Mikro products at BRI Syariah KCP Kopo. In this framework, financing is one of the main tasks of the bank, namely the provision of funding facilities to meet the needs of the parties who constitute the unit deficit. For customers who default, delaying payment after a fall will be subject to sanctions in the form of financial financial penalties, which are regulated in Fatwa DSN No.17 / DSN-MUI / IX / 2000 concerning sanctions for capable customers who delay payments. This study uses descriptive research methods, namely by collecting, studying, analyzing, and interpreting data that are related to the implementation of fines. The data obtained were interviewedwith one of the Micro Account Officer staff, and supported by literature studies. The results of this research process of the provision of microfinance is carried out step by step in accordance with the bank's rules, one of which is the bank's basic reference in assessing whether or not customers are eligible for financing through analysis of character, capacity, capital, condition, and collecteral. The application of fines at BRI Syariah KCP Kopo is imposed on customers who delay the Bank's payment will impose the fine calculated from the payment due until the date the payment is paid. This sanction is based on the ta'zir principle. Conformity Fatwa DSN-MUI No. 17 / DSN-MUI / IX / 2000 with the application of fines at BRI Syariah KCP Kopo there is a discrepancy in point 6 "Funds that come from fines are designated as social funds" this point the bank does not apply properly, even though in the contract clause and financing provision guidelines The micro fine will be distributed by the bank for social funds, but in practice fines obtained from customers are returned by the bank to the customer by accumulating at the end of the financing through the customer’s account.
PELAKSANAAN AKAD MURABAHAH BIL WAKALAH PADA PRODUK PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) MIKRO IB DI BANK BRI SYARIAH KCP MAJALAYA Windi Maulidina Lestari; A Aliyudin
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): July
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.v6i2.9648

Abstract

ABSTRACTKUR is a government program launched to help Micro Small Medium Enterprises and Cooperatives (UMKM-K) to grow by involving several banks as their channeling institutions. At Bank BRI Syariah KUR is a new product released in 2017 which is a product of working capital and / or investment financing for MSME which has limitations in fulfilling the requirements set by the bank (not yet bankable). In this product, Bank BRI Syariah uses murabaha bil wakalah, where murabahah contract is done before the purchase of goods. The purpose of this research is to know the procedure of murabahah contract implementation on financing product of People's Business Credit and review of DSN MUI's fatwa regarding the implementation of murabahah agreement. Murabahah is a sale of goods for the goods plus an agreed advantage. While wakalah is giving power to the other party to do something. Akad wakalah in murabahah financing has been established in the fatwa of DSN MUI Number 04 / DSN-MUI / IV / 2000 about murabahah. The method used in this research is descriptive method, that is method which describe the implementation of murabaha bil wakalah contract on KUR financing product in Bank BRI Syariah KCP Majalaya. The type of data used in this study is qualitative, ie data on murabaha bil wakalah contract on KUR financing products in Bank BRI Syariah KCP Majalaya. Sources of data used are primary and secondary data, ie literature related to research problems. Data collection techniques used are through interviews and literature study. The result of the research shows that the procedure of murabahah bil wakalah akad in financing of business credit of the people is done through several phases that is starting with initial selection, document checking, until financing decision is made, then done contract, after which fund disbursement process. Meanwhile, the implementation of murabahah agreement in pemburyaan KUR Mikro iB is not fully in accordance with the Fatwa DSN MUI No. 04 / DSN-MUI / IV / 2000 about murabaha because there is a difference between the implementation of fatwa in the first provision point 9, that is if the bank wants to represent customers to buy goods from third parties, akad sale and purchase murabahah must be done after the goods, in principle become the property of the bank.
TINJAUAN HUKUM EKONOMI SYARIAH TENTANG PENETAPAN HARGA DALAM JUAL BELI HEWAN TERNAK SAPI INSEMINASI BUATAN DI DESA SUNTENJAYA KECAMATAN LEMBANG KABUPATEN BANDUNG BARAT R Rismayanti; Mustofa K
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): July
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.v6i2.9644

Abstract

ABSTRACT Artificial insemination (IB) is a marital process carried out by human intervention, which is to bring together sperm and egg cells so that fertilization can occur. Artificial insemination technology that is increasingly developing causes the growing interest of the community in the technology and then produced until sold. buying and selling itself is one of muamalah activities that brings together sellers and buyers by reaching a mutual agreement on goods that are traded or can be interpreted as the exchange of an item with other goods or money with goods or otherwise with certain conditions. In buying and selling is closely related to pricing. The legal pricing can be as long as it is not wrong and harms others. The problem in this study is the occurrence of pricing determined by the seller unilaterally by means of not following the market mechanism. The purpose of this journal writing is to find out the background of buying and selling of artificial insemination cattle, to find out the price fixing process in artificial insemination cattle and to find out how the Sharia Economic Law reviews the pricing system in buying and selling livestock artificial cow insemination. This research comes from the idea that in Sharia Economic Law in setting prices is limiting profits or fixing prices by not harming the consumers and determining the price standards according to healthy market conditions. The research method used is an empirical juridical method. Data sources in this study are primary data sources obtained from sellers and buyers. While secondary sources are obtained from the literature, certain parts of books, papers, fiqh books and others. Based on the results of field research data shows that the Review of Sharia Economic Law on the system of pricing in buying and selling artificial insemination cattle based on Ibnu Khaldun's opinion that the pricing that occurred in Suntenjaya Village, Lembang District, West Bandung Regency, cannot be said to be in accordance with Islamic law because even though initially there is a valid contract process between the two parties, namely the buyer and seller, but in terms of price fixing, only one party is allowed to determine the seller without referring to the market price determined by Bandung Regency Regional Regulation Number 21 of 2011 concerning Regional Business Production Sales Levy Field of Livestock and Fisheries of Bandung Regency Article 1 Paragraphs 24 and 25.
PELAKSANAAN AKAD KAFĀLAH BIL UJRAH PADA PRODUK PEMBIAYAAN MULTIJASA BTN IB DI PT. BANK TABUNGAN NEGARA (BTN) KCPS SURAPATI CORE BANDUNG MENURUT HUKUM EKONOMI SYARIAH Sari Marliananingsih
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): July
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.v6i2.9645

Abstract

ABSTRACTMultilateral financing BTN iB is one of the products of Bank BTN Syariah which provides solutions for customers who can be used to fund various services by using kafālah contract which is accompanied by ujrah. The term defined in multilateral financing shall be in accordance with the DSN No.44 / DSN-MUI / VII / 2004 fatwa on multi-service financing that a large ujrah or fee must be agreed at the beginning of the contract and expressed in nominal form not in percentage terms. This study aims to determine: 1) Implementation of multijasa financing BTN iB in Bank BTN KCPS Surapati Core Bandung. 2) Bank policy in determining ujrah on multi-service financing BTN iB Bank BTN KCPS Surapati Core Bandung. 3) Review of sharia economic law against multi-service BTN iB BTN KCPS Surapati Core Bandung in relation to the fatwa of DSN-MUI fatwa NO: 11 / DSN-MUI / IV / 2000 About Kafālah. Kafālah is a guarantee given by the insurer (kafīl) to a third party (makfūl lah) to fulfill the obligation of the second party or the borne (makfūl 'anhu). In the fatwa of the National Shari'a Council No.44 / DSN-MUI / VII / 2004 on multilateral financing states that its legal multijasa financing is allowed (jāiz) by means of ijārah or kafālah contracts, and if the kafālah contract is used it must follow all existing provisions in the fatwa of kafālah. And in the fatwa mentioned that big ujrah or fee must be agreed at the beginning of the contract and expressed in nominal form not in percentage form. The method used in this research is using descriptive method, that is method describing the implementation of multijasa BTN iB with qualitative data type and analyzed by using primary data source and secondary data through observation, interview and literature study. The results of this study indicate that: 1) Bank BTN KCPS Surapati Core on the implementation of multi-service financing BTN iB acts as a guarantor of services organized by third parties to meet customer obligations, for these benefits customers must pay ujrah according to agreement, 2) The concept of ujrah determination shall be determined by Bank BTN KCPS Surapati Core based on a Circular Letter of the Board of Directors issued by the head office of the State Savings Bank Syariah. Determination ujrah in multijasa financing BTN iB using ujrah determination method in the form of percentage. 3) In the Fatwa of the National Shari'a Council No.44 / DSN-MUI / VII / 2004 on multilateral financing which states that a large ujrah or fee must be agreed at the beginning of the contract and expressed in nominal form not in percentage form and in the execution of Bank BTN KCPS Surapati Core in addition to telling the form ujrah in the percentage of banks were attached in a nominal form to avoid gharar or obscurity for customers.
ANALISIS FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA NOMOR 11/DSN-MUI/IV/2000 TENTANG UJRAH PADA AKAD KAFALAH Siti Nurhasanah; Vina Sri Yuniarti
Al-Muamalat: Jurnal Ekonomi Syariah Vol 6, No 2 (2019): July
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.v6i2.9646

Abstract

ABSTRAKAkad kafalah merupakan jaminan yang diberikan oleh penanggung kepada pihak ketiga untuk memenuhi kewajiban pihak kedua atau yang ditanggung. Akad kafalah termasuk ke dalam akad tabarru yaitu akad tolong menolong dimana akad ini tidak mengharapkan balasan dari manusia tetapi hanya mengharapkan dari Allah SWT saja. Namun Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Nomor 11/DSN-MUI/IV/2000 tentang kafalah dalam point (2) menuliskan dalam akad kafalah, Penjamin dapat menerima imbalan fee sepanjang tidak memberatkan sedangkan Empat Imam Mazhab yaitu Imam Abu Hanifah, Imam Ahmad bin Hanbal, Imam Malik, dan Imam Syafi’i melarang adanya ujrah atas jasa kafalah. Tujuan penelitian adalah untuk mengetahui (1) alasan Majelis Ulama Indonesia Menerapkan ujrah atas jasa kafalah (2) pertimbangan Majelis Ulama Indonesia Sehingga bisa menerapkan ujrah terhadap akad kafalah (3) mengetahui kesesuaian antara Fatwa Dewan Syariah Nasional Nomor 11/DSN-MUI/IV/2000 tentang kafalah dengan Ulama Kontemporer. Penelitian ini bertitik tolak dari pendapat para Imam Mazhab yang menyatakan bahwa jika ada ujrah terhadap jasa kafalah maka akad kafalahnya batal atau tidak sah. Metode penelitian yang digunakan adalah penelitian Hukum Normatif (Yuridis Normative), yaitu penelitian hukum yang dilakukan dengan cara meneliti bahan pustaka (library research). Teknik pengumpulan data yang dilakukan adalah studi kepustakaan, mencari bahan-bahan dari buku, kitab dan internet. Adapun sumber-sumber data primer diperoleh secara langsung dari hadits-hadits dan Fatwa DSN MUI No 11/DSN-MUI/IV/2000 tentang Kafalah, data sekunder yaitu kitab-kitab tafsir, syarah hadits, kitab-kitab fiqih khususnya fiqih Mu’amalah, buku-buku tentang Mu’amalah, dan buku-buku lain yang berkaitan dengan penelitian, juga data-data berkaitan dengan penelitian. Hasil penelitian masalah, bahwa (1) alasan Majelis Ulama Indonesia menerapkaan ujrah atas jasa kafalah merujuk kepada Ulama Kontemporer yang keadaan dan jaman sekarang sudah berkembang dan keadaan telah berubah, (2) melihat perkembangan jaman, terbentuknya dua keadaan, pada satu sisi penjamin mau memberikan jaminan dengan syarat, sedangkan disisilain Ashil gagal menemukan kafil yang tidak meminta ujrah dan hal ini menjadi pertimbangan, (3) dengan adanya penerapan ujrah terhadap kafalah jika disandingan dengan Ulama Kontemporer jelas sesuai karena hukum mengikuti kejadian pada saat ini.

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