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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 77 Documents
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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.
MEKANISME LETTER OF CREDIT SYARIAH DI PT BANK BNI SYARIAH Meisa Yutika; Diah Siti Sa'diyah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): 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.v5i1.9654

Abstract

The existence of the changing times, demanding a State of international relations in order to support economic development. One form of international relations, namely business and international trade. one of the first in the international payment system is to use a letter of credit (LC) on the banking service product. LC Sharia is a product that is adopted from Conventional Banking products. However, until now, has not found the regulation governing implementation mechanisms explicitly Sharia LC in Indonesia. Therefore, the need for research on the mechanism of LC in the Islamic Penbankan In Indonesia. The purpose of this research was: 1) To compare the mechanism of implementation of the LC in Islamic banks and Conventional Banks, as well as looking for the difference between the two; 2) To know the regulations used in regulating Islamic Bank Sharia LC; 3) Mechanism to find out the views of the economic law of the Sharia (HES) against Sharia in LC mechanism Islamic banking in Indonesia.  The framework of thought from this research that is using rule jurisprudence mu'amalah "a" meaning originally mu'amalah can be done until there is evidence again outlaw. If the mechanism of implementation of the LC in Conventional Banks is relatively the same as the mechanism of LC in Islamic banks, then the regulation mechanism of LC in Conventional Banks can be used as a regulatory mechanism of LC Sharia, as it is not contrary to the HES. Research methods used in this research is the juridical normative method, and using the conceptual approach and the approach of comparison. As for legal research in this unfamiliar term data but rather a source of law, After the legal materials collected the next step is to analyze the legal materials, described and meninjauanya from the viewpoint of HES, then pulled his conclusion. From the results of this research noted that basically the mechanism of implementation of the LC in Islamic banking in Indonesia (PT. Bank BNI Syariah) is not contrary to the HES. Although there has been no regulation which regulates clearly regarding the implementation of the Islamic Sharia and banking LC refers to the applicable regulation in banking Accounting i.e. UCP, but in practice there are some differences as in the Fund the arrears. Funds allocated for future delinquent Social Fund rather than to the operational funds of the bank, then it is not contrary to the HES.
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 : 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.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.
PRINSIP BISNIS DALAM PERSPEKTIF HUKUM EKONOMI ISLAM Yusup Azazy; Rusmani Rusmani
Al-Muamalat: Jurnal Ekonomi Syariah Vol 5, No 2 (2018): July
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.v5i2.5169

Abstract

ABSTRACTHuman life can not be separated from the need when the need to dominate the economic role is crucial in meeting the needs. One of the economic activities to meet the needs of human life is to do business. Not a few people when running a business that is mired in the abyss prohibition, doubtful even collapse. Therefore, the Qur'an (Islamic Economic Law) offers some of the business concept is the concept of an-taradhin, do not do business since Friday call to prayer echoed through the Friday prayers finished, anti-usury, anti-hoarding, self-owned goods , does not contain elements gharar, do not contain elements of deception, ridak buying and selling hashat (lottery), not buying and selling mulamasah (by touching) and goods yangdijual unclean. So that businesses in Islam would appear the characteristics of not only benefit the material alone, but the essential advantage that ukhrawi. Basic business law in Islam is the Qur'an, al-Hadith and Shariah Economic Law Compilation. The benefits when doing business in accordance with Islamic rules will bring benefits worth blessing. In addition, stakeholders associated with this business will not be harmed harmed.
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 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 : 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.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.
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 : 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.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.
PENERAPAN JAMINAN HAK MILIK PADA PERBANKAN SYARIAH DALAM PERSPEKTIF HUKUM ISLAM Dewi Sulastri; Sarip Muslim
Al-Muamalat: Jurnal Ekonomi Syariah Vol 5, No 2 (2018): July
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.v5i2.5165

Abstract

ABSTRAKBank syariah dengan segala produk dan layanannya dalam menjalankan kegiatan usahanya juga berpedoman pada ketentuan perbankan secara umum maupun ketentuan lainnya. Salah satu pembiayaan yang cukup berkembang pada bank syariah adalah pembiayaan murabahah yang dalam menerapkan jaminan hak milik karena pembebanannya dianggap sederhana, mudah dan relatif cepat. Ketentuan jaminan hak milik dalam pembiayaan murabahah dalam Perbankan Syariah mengacu kepada Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia. Penulis melihat terdapat kontradiksi dalam pelaksanaan jaminan hak milik dala perbankan syariah. Hal tersebut dapat dilihat dengan adanya ketentuan antara UU Jaminan Fidusia dan Fatwa Rahn Tasjily yang timbul dalam konteks ruang lingkup pembebanan jaminan, jenis utang yang dapat dijamin, dan mekanisme pengikatan jaminan. Kemiripan Fatwa Rahn Tasjily terhadap UU Jaminan Fidusia tidak memberikan pengaturan sebagaimana dimuat dalam Pasal 5, Pasal 7, dan Pasal 11 UU Jaminan Fidusia. Di samping itu, konsep rahn tasjily yang dibangun sebagai jaminan utang menyebabkan jaminan tersebut tidak dapat diberlakukan pada akad selain qardh dan albai’ yang mengandung unsur utang-piutang. Hal ini memerlukan pemecahan masalah mengingat ketentuan yang ada menunjukkan bank syariah diwajibkan memiliki jaminan dari nasabah atas pembiayaan yang disalurkan.Dari permasalahan di atas penulis mengangkat penelitian dengan judul Penerapan Jaminan Hak Milik dalam Praktek Perbankan Syariah di Indonesia.
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.
PERLINDUNGAN KONSUMEN DALAM TUPPERWARE LIFETIME WARRANTY MENURUT HUKUM EKONOMI SYARIAH M Mulyati; Siti Nurfatoni
Al-Muamalat: Jurnal Ekonomi Syariah Vol 5, No 1 (2018): 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.v5i1.9655

Abstract

الضمان هو شكل من أشكال خدمات ما بعد البيع التي يقدمها المنتجون للمستهلكين لاستخدام السلع التي يتم استخدامها بشكل مستمر. أحد المنتجات التي توفر خدمة الضمان هو تابروير. ضمان تابروير هو في شكل ضمان مدى الحياة تابروير أو ضمان مدى الحياة تابروير. هذا هو ، يمكن اتخاذها مطالبات الضمان دون حد زمني. ومع ذلك ، فمن النادر العثور على شركة تنتج منتجًا لأكثر من ثلاث سنوات. ماذا عن منتجات تابروير التي لم يتم إنتاجها. بالإضافة إلى ذلك ، يشير تطبيق ضمان مدى الحياة تابروير إلى وجود عنصر انفتاح بين البائع والمشتري فيما يتعلق بأحكام وإجراءات ضمان مدى الحياة تابروير حتى يسبب عدم اليقين. تهدف هذه الدراسة إلى معرفة ووصف الآلية التي تحتوي على أحكام وإجراءات ضمان مدى الحياة تابروير ، معرفة جهود حماية المستهلك في ضمان مدى الحياة تابروير للمنتجات التي لم يتم إنتاجها ومعرفة مراجعة قانون الشريعة الاقتصادية على الآلية والجهود المبذولة لحماية المستهلكين في ضمان مدى الحياة تابروير.  يستند إطار الفكر في هذه الدراسة على نظرية العقد والضمان و خيار ععيب وحماية المستهلك. ويرتبط الضمان ارتباطاً وثيقاً بالخيار عاعيب ، فالعلاقة بين الاثنين تكمن في الكائن المعتاد ، أي حالة البند (موضوع البيع) المعيبة.  إن طريقة البحث المستخدمة في هذه الدراسة هي المنهج الوصفي التحليلي ، الطريقة المستخدمة لوصف حالة موضوع البحث أو موضوعه بناءً على الحقائق التي تظهر ، ثم يتم تحليل نتائج الدراسة لاستخلاص النتائج. نوع البيانات التي تم جمعها في هذه الدراسة هو نوع من البيانات النوعية. وبناء على نتائج البحوث التي أجريت من قبل المؤلفين خلص إلى أن الجهود المبذولة لحماية المستهلكين في تثبرور الضمان مدى الحياة للمنتج الذي تم وقفها وستحمل استبدال السلع باستخدام نظام مذكرة الائتمان المطالبة (ج م)، وقيمة المذكرة الائتمان المقدمة لتجارة التجزئة (والتي كانت ينطبق). في الأساس الضمان هو شيء مباح، ولكن في وقت مصنوعة شراء وبيع المنتجات تثبرور، والبائع لا يفسر بالتفصيل القواعد والإجراءات تثبرور الضمان مدى الحياة أنه لا تزال هناك مشترين الذين يشعرون بالظلم، فإنه ليس وفقا لقوانين الاقتصاد الإسلامي، كما هو الحال في يجب أن تكون مصحوبة البيع والشراء المعاملات الإسلام بمبدأ الانفتاح بين الطرفين وذلك لتجنب الغش. وبالإضافة إلى ذلك، تثبرور الضمان مدى الحياة ليست مناسبة عند الاتصال تماما مع خيار ععيب ، لأن خيار ععيب هو الحق في التصويت لعقد أو إلغاء الصفقة إذا عيوب وجدت في البضائع أثناء وجوده في تثبرور الضمان مدى الحياة غياب إلغاء الصفقة، ولكن ضمانة في شكل استبدال السلع التي تقدمها تثبرور للمستهلكين.

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