Jurnal Hukum Ekonomi Syariah : AICONOMIA
Jurnal Hukum Ekonomi Syariah : AICONOMIA is a peer-reviewed scientific open access journal. The subject covers textual and fieldwork studies with various perspectives of Law and sharia, Islamic economics, finance, microfinance, banking, insurance, halal industry, social finance and poverty alleviation, law and sharia
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15 Documents
<![CDATA[Perspektif Hukum Islam Tentang Produk Gadai Emas pada Perbankan Syari’ah ]]>
<![CDATA[Rahmat Fawza]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 1 No. 1 (2022): AICONOMIA: Jurnal Hukum Ekonomi Syariah ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v1i1.1698
<![CDATA[Shari'ah gold pawn is a form of development of pawn (rahn) in classical fiqh. The gold pawning application in sharia banking is intended for the needs of customers who need short-term funds such as school entrance fees, Eid fees or short-term business capital. Gold pawning products are applied in Islamic banking through the DSN MUI fatwa Number 25/DSN-MUI/III/2002 dated June 26 2002 concerning rahn. Rahn Emas in Islamic banking should be utilized by customers who have urgent funding needs in the short term, but in reality, this mortgage product has led to deviations by some customers who use this product to speculate in search of profit from the difference in the selling price of gold, where the gold that is mortgaged will be sold when the price of gold soared. It's just that things like this don't always run smoothly, because the price of gold fluctuates, it will result in customers experiencing losses, if the customer has to sell the pledged gold when the price of gold falls. Not to mention the loss of customers who have to pay rental fees for storage and maintenance of goods per day. This research uses literature research methods that focus on literature review as the primary data source. And also equipped with studies from various supporting literature from secondary sources.]]>
<![CDATA[Implikasi Kebijakan Merge Bank Syariah Indonesia terhadap Pertumbuhan Ekonomi ]]>
<![CDATA[Syamsarina Syamsarina]]>;
<![CDATA[Muhamad Yusuf]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 1 No. 1 (2022): AICONOMIA: Jurnal Hukum Ekonomi Syariah ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v1i1.1823
<![CDATA[This article aims to highlight the opportunities and challenges of Islamic banking in Indonesia after the merger and the implications for national economic growth from the perspective of Islamic banking. This study uses a descriptive analytical method which is literary in nature. The source of law in question is in the form of primary data in the form of laws and regulations and other sources of law. In addition, the secondary data of this study came from various literature such as books, scientific articles and other literature related to the object of research. The data analysis technique is carried out through several stages, namely focusing on data, presenting data, and drawing conclusions. The results of the research show that the formation of BSI through indeed creates various opportunities, one of which is the number of capital aspects becomes larger which will affect other aspects. Such as, Islamic financial literacy and inclusion funds are getting bigger, the market penetration network is getting wider, the creation of financial products that are increasingly diverse and low-cost and can take part to help finance strategic projects that can help grow the national economy]]>
<![CDATA[Murabahah dalam Literatur Fikih Klasik dan Kontemporer ]]>
<![CDATA[Toni Permana]]>;
<![CDATA[Fran Evan Cahyo Muradi]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 1 No. 2 (2022): Aiconomia ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v1i2.2114
<![CDATA[Along with the development of the times, of course, the problems and phenomena of this muamalah are increasingly diverse, so that it requires deeper study. The scholars found a solution to the muamalah phenomenon which became known as the contemporary concept of muamalah fiqh, where the concept is very different from the classical muamalah fiqh concept. Discussion regarding the two opinions regarding the murabaha concept needs to be understood more deeply for practitioners and academics in developing products sharia financial institution. Therefore the purpose of this discussion is to find out comparatively the concept of murabaha according to classical and contemporary studies as well as the weaknesses and strengths of the concept. This research is a library research (library research) with a qualitative descriptive model with a focus on studies on various matters relating to the classic murabaha buying and selling system in muamalah or business studies from the point of view of experts and the contemporary murabaha buying and selling system in the banking system. The results of this study indicate that the concept of murabaha according to classical fiqh is the concept of buying and selling a product purely for the purpose of trading that upholds the value of trust and cannot be fully implemented in today's banking world. While the advantages of the murabaha concept in contemporary fiqh studies are that it is a short-term investment mechanism that is quite easy and the weaknesses of murabaha in contemporary fiqh studies can be seen from the majority of mechanisms in Islamic banking that take too much into account the loss/risk of goods that are not in accordance with the customer's wishes.]]>
<![CDATA[Analisis Putusan Pengadilan Agama Jambi Tentang Perbuatan Malawan Hukum (PMH) dalam Akad Pembiayaan Murabahah (No.700/Pdt.G/2020/PA.Jmb) ]]>
<![CDATA[Suci Midia]]>;
<![CDATA[Neza Tessya Inggrit]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 1 No. 1 (2022): AICONOMIA: Jurnal Hukum Ekonomi Syariah ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v1i1.2142
<![CDATA[This study aims to analyze the settlement of the case of Unlawful Acts (PMH) in the Murabahah Financing contract contained in Decision Number 700/Pdt.G/2020/PA.Jmb. This research answers three questions. First, how is the dispute resolution in case Number 700/Pdt.G/2020/PA.Jmb regarding unlawful acts (PMH) in the murabahah financing contract. Second, what are the basic considerations of the judge in Court Decision Number 700/Pdt.G/2020/PA.Jmb seen from civil law and sharia economic law. Third, what are the legal consequences of the Jambi Religious Court Decision Number 700/Pdt.G/2020/ PA.Jmb. This research is library research and is a qualitative analysis using the deductive method, the author tries to provide an overview of the case that occurred in decision Number 700/Pdt.G/2020/PA.Jmb. then analyzed to draw conclusions. This study found that the case in the decision was resolved through the ligitation route where the settlement through this ligitation route was carried out at the Jambi Religious Court and in this case the settlement was in accordance with the provisions of absolute competence and the provisions of relative competence regulated in article 141 paragraph (4) RBG, the legal basis used in the settlement of this case is Law Number 7 of 1989 which has been updated with Law Number 50 of 2009, Law Number 21 of 2008, Civil Code, RBG, HIR, and KHES. As for the legal consequences in decision Number 700/Pdt.G/2020/PA.Jmb. namely the Plaintiff is obliged to pay court costs and the Defendant is not charged with legal obligations.]]>
<![CDATA[Mata Uang Digital (Cryptocurrency): Apakah Statusnya Memenuhi Kriteria Harta (Maal) dan Mata Uang Dalam Islam? ]]>
<![CDATA[Muhammad Fauzi]]>;
<![CDATA[Kusnadi Kusnadi]]>;
<![CDATA[Musdizal Musdizal]]>;
<![CDATA[Rafzan Rafzan]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 1 No. 2 (2022): Aiconomia ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v1i2.2420
<![CDATA[This study aims to determine whether Cryptocurrency status can meet the criteria of wealth/property (Maal) and currency in Islam. This is based on the fact that the issue of Cryptocurrency as Maal and money in Islam has attracted attention from various parties. Cryptocurrency is a digital/virtual currency, with a decentralized system using peer-to-peer (Blockchain) technology without being regulated and issued by a third party. In contrast to fiat currency in physical form (banknotes and coins) and non-physical fiat currency (demand) which is centralized/regulated and issued by third parties. This research was conducted using the Literature Review approach. This research shows that Cryptocurrency status can meet the criteria of Maal and currency in Islam has not yet seen a thread, because from various parties there are still differences of opinion, there are cons group opinions;, netral groups opinions;, and there are also pros groups opinions;. Finally, this area is open for future research as many issues remain unresolved and more concrete work is needed.]]>
<![CDATA[Penolakan Konsep Time Value of Money dalam Ekonomi Islam untuk Menjaga Pertumbuhan Ekonomi Tetap Produktif ]]>
<![CDATA[Asnaini Asnaini]]>;
<![CDATA[Idwal B]]>;
<![CDATA[Ayu Yuningsih]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): AICONOMIA: Jurnal Hukum Ekonomi Syariah ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v2i1.2631
<![CDATA[This study aims to reveal that the concept of time value of money in Islamic economics is as a rejection of the practice of interest (usury) or economics that ignores the real sector. The study used qualitative methods of content analysis with secondary data. The results revealed that Islamic economics rejects the concept of time value of money. Money is money, not a commodity. Money should always be positioned as a medium of exchange regardless of changes or additional time. Time cannot be the cause for the increase in the value of money in the past that exists in the present. Additions that are allowed are additional because of both business and social transactions. Additions due to loan contracts that position money as a commodity are strictly prohibited (haram) because they lead to interest (usury) instead of profit (profit). If this happens, it will seriously endanger economic growth. The economy became uncompetitive and the principles in Islamic economics were not fulfilled.]]>
<![CDATA[Pendayagunaan Dana Zakat Produktif Dalam Meningkatkan Kesejateraan Masyarakat Miskin Di Kabupaten Bungo. ]]>
<![CDATA[Sandy Kurniadi]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): AICONOMIA: Jurnal Hukum Ekonomi Syariah ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v2i1.2470
<![CDATA[This research aims to find out how the productive utilization model of zakat funds in improving the welfare of the poor in Bungo Regency. As well as to find out how the mustahik's economic condition after receiving productive zakat fund assistance in improving the welfare of the poor in Bungo Regency. This research uses a descriptive qualitative approach with the type of field research. that the productive zakat fund distributed by BAZNAS Bungo Regency in the Bungo Sejahtera program in the form of productive business capital assistance has not been fully effective, it can be seen that there are still mustahiqs who do not utilize productive business capital assistance properly, this happens due to the lack of knowledge mustahiqs have about the business they are running, lack of access to information and mustahiq knowledge and also the lack of monitoring from BAZNAS Bungo Regency.]]>
<![CDATA[Pengelolaan Wisata Syariah Pantai Carocok Painan Menurut Tinjauan Hukum Ekonomi Syariah ]]>
<![CDATA[Panji Marboro]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): AICONOMIA: Jurnal Hukum Ekonomi Syariah ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v2i1.2592
<![CDATA[This study aims to describe how the implementation of Sharia Regional Regulation on the application of halal tourism at carocok beach Painan, South Coastal district. The formulation of the problem of this research is how the Sharia Regional Regulation in encouraging the application of halal tourism on the carocok beach of the South Coastal Regency and what factors are the obstacles to the application of halal tourism on the carocok beach of Painan, South Coastal Regency. This type of research is qualitative research. Data collection techniques are interviews, observation and documentation and data analysis techniques used are data reduction, data presentation and conclusion drawing/verification. The results of this research show that the implementation of the Sharia Regional Regulation in the South Pesisir district will encourage the implementation of halal tourism and sharia regulations have been implemented as much as possible by the local government, especially for tourist objects, starting from supervision, controlling the sale of liquor in the beach area and the appeal to dress Muslim / muslimah to the people of South Pesisir. Factors that hinder the application of halal tourism at Carocok Painan Beach are the absence of halal certification, lack of understanding of the South Coastal community towards halal tourism, inadequate facilities and infrastructure, no detailed rules related to halal tourism from the local government.]]>
<![CDATA[Strategy Innovation of Hajj Savings Product: an Effort to Maintain Customer Loyalty at BMT Fauzan Aziima Parepare ]]>
<![CDATA[Anita Sukawati]]>;
<![CDATA[Trimulato Trimulato]]>;
<![CDATA[Lismawati Lismawati]]>;
<![CDATA[Nuringsih Nuringsih]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): AICONOMIA: Jurnal Hukum Ekonomi Syariah ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v2i1.2852
<![CDATA[The purpose of this research is to describe the product innovation strategy for Hajj savings at BMT Fauzan Aziima and efforts to maintain customer loyalty. The type of research used is a field study conducted directly at BMT Fauzan Aziima, Parepare city. This research is a qualitative research that describes the research results from the data obtained. The data source used is primary data obtained directly and supplemented with secondary data that supports the research. Data collection techniques used were interviews with institutions and interviews with customers, as well as data from the literature. The data analysis technique used in this study is descriptive qualitative, which describes the strategies undertaken by BMT Fauzan Aziima in innovating hajj savings products and efforts to maintain customer loyalty. The results of this study show BMT Fauzan Azhiima's product innovation, namely the Hajj Savings Product. BMT Fauzan Azhiima didn't just sit there. BMT Fauzan Azhiima uses a strategy, namely by visiting prospective customers directly, such as going directly to the field to promote products to each prospective customer. Increased loyalty of hajj customers at BMT Fauzan Azhiima Parepare City This can be proven by the increase in customers from 2015 to 2017 of 18.06%. By innovating products will increase public interest in saving at BMT. Product innovation as an effort to attract more customers and become a differentiator from conventional products.]]>
<![CDATA[Preferensi dan Prilaku Mahasiswa UIN IB Padang Dalam Memilih Makanan Sudah jadi Perspektif Ekonomi Islam ]]>
<![CDATA[Faisal Efendi]]>;
<![CDATA[M. Nashir]]>;
<![CDATA[Mardianton Mardianton]]>;
<![CDATA[Nurlaila Nurlaila]]>
<![CDATA[ Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 2 (2023): Jurnal Hukum Ekonomi Syariah : AICONOMIA Desember ]]>
Publisher : <![CDATA[Fakultas Syariah IAIN Kerinci ]]>
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DOI: 10.32939/acm.v2i2.3025
<![CDATA[The purpose of this study was to determine preferences and behavior in the view of Islamic economics towards students in choosing ready-to-eat food. This research is a field research (field research) with descriptive method. Data sources are UIN IB Padang students, business actors around the UIN IB Padang campus and the UIN IB Padang Academic community. The techniques used are observation, interviews and documentation. The results of the study are that social factors are factors that greatly influence the decisions of UIN IB Padang students in choosing fast food. This means that the majority of informants were influenced by social factors in choosing ready-to-eat food, as illustrated by the interview results, that informants were influenced by family, neighbors and colleagues who were around the campus and residence (Kos). Personality factors are factors that influence the behavior of UIN IB Padang students in choosing fast food. In general, this personality factor has an influence on students who consume prepared food, compared to other factors. this is because the color, aroma, taste, and texture of food are the main indicators for students in choosing ready-to-eat food. In choosing food for consumption, UIN IB Padang students must pay attention to aspects of Islamic Economics in consuming ready-made food such as the existing principles, namely the principles of justice, cleanliness and the principle of simplicity.]]>
