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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 7, No 1 (2020): January" : 7 Documents clear
PENERAPAN AKAD ISTISHNA’ PADA KPR SYARIAH ASTER VILLAGE CIWASTRA DI PT ROYAL BRIDEA INDONESIA Risma Nurmala; Jaih Mubarok; Muhammad Hasanudin
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): January
Publisher : Sharia Economic Law Department, Faculty Sharia and Law, 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.
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP JUAL-BELI SEPATU MENGGUNAKAN SISTEM RAFFLE (UNDIAN) (Studi Kasus Event Bandung Sneakers Season 2.0) Fachry Fachrurrozy; Asep Mustafa Kamal; Aan Radiana
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): January
Publisher : Sharia Economic Law Department, Faculty Sharia and Law, 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.
TINJAUAN HUKUM EKONOMI SYARIAH TENTANG BEBAN BIAYA DALAM PEMBIAYAAN MIKRO DENGAN AKAD MUSYARAKAH MUTANAQISHAH DI BRI SYARIAH Sariningsih Sariningsih; Jaenudin Jaenudin; Mila Badriyah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): January
Publisher : Sharia Economic Law Department, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v7i1.10860

Abstract

The musyārakah mutanāqiṣhah contract on micro financing in BRISyariah KCP Majalaya incurs costs (administrative fees, notary fees and insurance costs) that must be borne by the customer. This differs from the DSN MUI fatwa No.73/DSN-MUI/XI/2008 concerning Musyārakah Mutanāqiṣhah. This study aims to determine the micro financing in BRISyariah KCP Majalaya, the mechanism and its relevance to the fatwa of DSN MUI No.73/DSN-MUI/XI/2008. The method used is descriptive, which is describing microfinancing with the musyārakah mutanāqiṣhah contract in BRISyariah KCP Majalaya. Based on the results of the study, it can be concluded that microfinance with the musyārakah mutanāqiṣhah contract is one of the products and services provided by BRISyariah KCP Majalaya. The mechanism starts with the customer submitting an application, before the disbursement the customer must pay the full cost, the customer then shares the profit accompanied by the purchase of a portion of the bank. The cost burden in conducting microfinance with the musyārakah mutanāqiṣhah contract is not yet relevant to the DSN MUI fatwa No.73/DSN-MUI/XI/2008, because all costs that should be borne jointly are borne by the customer, this can lead to injustice.
ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PERAN BANK ADMINISTRATOR RDN (REKENING DANA NASABAH) KONVENSIONAL DI PT. INDOPREMIER SEKURITAS Fiska Nurhayati; Muhammad Hasanuddin; Siti Nur Fatoni
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): January
Publisher : Sharia Economic Law Department, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v7i1.10856

Abstract

RDN Bank Administrators are investors' deposit funds, at this time in Indonesia there have been three RDN Sharia Bank Administrators. This research is motivated by regulations regarding the prohibition of using Ribawi financial services in investments in the Islamic capital market. All instruments and mechanisms in the Islamic capital market must be in accordance with Islamic principles. There are Securities Companies that use conventional RDN Administaror Banks in sharia securities sale and purchase transactions. Securities companies that provide SOTS (Sharia Online Trading System) facilities should have all the processes adjusted to the provisions issued by the regulator. This study aims to determine the legal position of conventional RDN (Customer Fund Account) storage according to Sharia Economic Law in Indonesia. The method used in this research is juridical-normative. Based on the results of the study, it can be concluded that the activities of Islamic capital market investment in PT. Indo Premier Sekuritas has used SOTS (Sharia Online Trading System) as well as in its mechanism PT.Indo Premier Sekuritas has separated from non-halal effects. However, it becomes an obstacle when investors move their securities accounts from regular to SOTS, RDN banks that are used continue to use conventional. The legal status of depositing Conventional RDN (Customer Fund Account) according to the juridical aspects of Sharia Economic Law is not in accordance with sharia principles in the capital market, and has violated POJK No. 15 of 2015 Article 2 Paragraph 1 concerning Application of Sharia Principles in the Capital Market.
PELAKSANAAN AKAD QARDH WA AL-IJARAH PADA PRODUK DANA TALANGAN PENDIDIKAN DI KOPERASI MITRA DHUAFA CABANG KADUGORA Selly Sri Wulandari; Neni Nuraeni; Mila Badriyah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): January
Publisher : Sharia Economic Law Department, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v7i1.10861

Abstract

The education bailout product (DTP) is a solution for members who have difficulty paying fees to complete their children's education. This study aims to determine how the implementation of the qardh wa al-ijarah contract on the DTP product and to know the review of Sharia Economic Law on the implementation of DTP. The method used is descriptive that is to explain how the implementation of the qardh wa al-ijarah contract on the DTP product. Based on the results of the study it was concluded that the implementation of the qardh wa al-ijarah contract on the DTP product used the qardh wa al-ijarah agreement, where the qardh contract was a KOMIDA & members' debt and agreement agreement, while the ijarah contract was a KOMIDA agreement and members where members were willing to pay for educational services. According to the review of Sharia Economic Law in DSN MUI Fatwa No.29 of 2002 as a reference for the implementation procedure of DTP products and the muqalah fiqh principle is contradictory because the benefits of the Ujrah given are based on the bailout funds provided, so that the law is riba and does not meet Islamic economic values as basic principles muamalah.
PERILAKU KONSUMEN MUSLIM TERHADAP KONSUMSI FOOD AND BEVERAGE PADA MASA PANDEMI COVID-19 Fithri Dzikrayah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): January
Publisher : Sharia Economic Law Department, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v7i1.10857

Abstract

Penelitian ini bertujuan untuk mendeskripsikan perilaku konsumen muslim selama adanya Covid-19 yang berdampak pada pendapatan, pola konsumsi serta perilaku mengambil keputusan seseorang. Perubahan-perubahan kondisi tersebut memengaruhi bagaimana konsumen menetapkan keputusannya untuk mengkonsumsi food and beverage sebagai salah satu industri yang bertahan ditengah-tengah kondisi diberlakukan­nya social distancing dan lambat laun mengalami penurunan. Penelitian ini menggunakan metode library research dengan pendekatan kualitatif dan menerapkan metode analisis data dengan analisis deskriptif. Teknik pengumpulan data yaitu dengan observasi dan studi dokumentasi. Adapun penelitian ini mengambil objek perilaku konsumen muslim dalam konsumsi food and beverage saat pandemi covid-19 kemudian hasil penelitian diolah untuk diambil kesimpulannya. Hasil penelitian ini menyimpulkan bahwa perilaku konsumen muslim terhadap konsumsi food and beverage pada masa pandemi covid-19 tidak berbeda dengan sebelum adanya virus ini sebab mengacu pada Al-Quran dan Hadits dimana perilaku konsumen muslim harus menghindari atau menjauhi dari sifat israf (berlebih-lebihan) dan sifat tabdzir (boros). Perilaku konsumen muslim juga dipastikan menggunakan barang dan jasa yang halal. Ketika konsumen muslim harus dapat menahan diri dari konsumsi yang israf, berarti konsumen muslim tidak harus meng­habiskan seluruh pendapatannya untuk konsumsi barang dan jasa melainkan dialokasikan pula terhadap tanggung jawab sosial.
PENERAPAN METODE BREAK EVEN POINT DALAM PEMBIAYAAN MUDHARABAH DI BPRS HIK CILEUNYI Indah Lestari Kusuma; Sofian Al-Hakim; Yusup Azazy
Al-Muamalat: Jurnal Ekonomi Syariah Vol 7, No 1 (2020): January
Publisher : Sharia Economic Law Department, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v7i1.10858

Abstract

Harta Insan Karimah Islamic People's Financing Bank (BPRS) is a financial institution that applies the break even point method in an effort to prevent losses and make decisions in mudharabah financing. In its application, this method must be calculated carefully and thoroughly and know the magnitude of the benefits or its disadvantages and what if the calculations are wrong. Then the legal status is still being questioned. This study aims to determine the review of Islamic economic law on the application of the break-even point method in mudharabah financing at SRB HIK Parahyangan Cileunyi. The method used in this research is a descriptive case study. Based on the results of the study, it can be concluded that the application of the break-even point method cannot be made as a final decision because this method can only be used in a stable economic situation so as not to burden and cause injustice to. In a review of Islamic economic law, this method may be used because it is a business habit or 'urf that is known by business actors in the effort of risk loss management in stable economic conditions, this method is in accordance with the principles of muamalah namely principle' is or justice, principles antaradhin, the principle of manfaah (tabadu al-manafi '), the principle of ash-shiddiq and the principle of adam al-gharar and muamalah fiqh rules.

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