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KREDIT PAYLATER PADA APLIKASI TRAVELOKA DALAM PERSPEKTIF BAI’ BIT-TAQSITH Sopian Lubis; Rusdi Sulaiman; Nur Rahmiani
Al-Aqad Vol. 1 No. 1 (2021): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v1i1.360

Abstract

Penelitian ini fokus kepada kredit PayLater Traveloka yang mana aturan penetapan bunga terbilang cukup rendah yaitu sekitar 2.14% hingga 5% perbulan. Peneliti mengkaji praktik kredit PayLater ini secara hukum Islam dengan menggunakan perspektif bai’ bittaqsith. Perspektif ini diartikan sebagai seseorang menjual sesuatu dengan pembayaran yang diangsur dengan cicilan tertentu, pada waktu tertentu serta lebih mahal daripada pembayaran kontan tanpa menghilangkan syarat dan rukun menurut syara’. Penelitian ini bertujuan untuk mengetahui bagaimana transaksi kredit PayLater dengan menggunakan aplikasi Traveloka pada electronic commerce kemudian menjelaskan analisis bai’ bittaqsith mengenai praktik kredit PayLater. Penelitian ini termasuk dalam penelitian hukum normatif. Penelitian ini menggunakan pendekatan kualitatif yang menekan pada aspek pendalaman data demi mendapatkan kualitas dari hasil suatu penelitian. Dalam penelitian ini, pendekatan kualitatif difungsikan untuk mendapatkan informasi yang berkaitan dengan praktik fitur PayLater dengan menggunakan aplikasi Traveloka. Hasil dari penelitian menunjukan dua kesimpulan 1) Dibolehkannya praktik ini karena telah memenuhi syarat dan rukun yang telah ditetapkan dalam perspektif bai’ bit-taqsith dan dibolehkan mayoritas ulama. 2) Ada beberapa ulama yang menolak dan melarang praktik kredit karena mengandung riba berbentuk biaya tambahan dalam hal ini PayLater Traveloka juga memiliki biaya tambahan. Peneliti merekomendasikan upaya meminimalisir kesenjangan informasi yang mengakibatkan salah tafsir dalam fungsi fitur kredit PayLater. Upaya ini dapat dilakukan dengan melakukan pembaharuan informasi yang lebih rinci mengingat potensi kredit online yang begitu besar di tengah masyarakat mayoritas muslim di era digital saat ini. Kata Kunci: Bai’ Bit-Taqsith, E-Commerce, Kredit, PayLater, Traveloka
ANALISIS PUTUSAN HAKIM NOMOR 02/Pdt.G.S/2019/PA.Ptk TENTANG SENGKETA WANPRESTASI AKAD MURABAHAH BIL WAKALAH Umi Hani; Rusdi Sulaiman; Nur Rahmiani
Al-Aqad Vol. 1 No. 1 (2021): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v1i1.361

Abstract

Penelitian ini menggunakan metode penelitian hukum dan tergolong jenis penelitian hukum normatif dengan objek putusan hakim pengadilan Nomor 02/Pdt.G.S/2019/PA.Ptk. Peneliti menggunakan sumber data penelitian baik berupa data primer maupun data sekunder meliputi bahan hukum primer, sekunder, dan tersier untuk mendukung analisis dalam putusan hakim. Fokus penelitian ini meliputi duduk perkara sengketa ekonomi syariah, pertimbangan hakim dalam memutuskan perkara, dan metode yang digunakan hakim dalam putusan perkara Nomor 02/Pdt.G.S/2019/PA.Ptk (perkara Pengadilan Agama Kelas 1A Pontianak). Teknik yang digunakan untuk mengumpulkan data penelitian adalah teknik kepustakaan (library research). Menurut hasil analisis peneliti, maka dapat disimpulkan bahwa: 1) Perkara ini muncul karena tindakan Tergugat yang tidak membayar tagihan pinjamannya sehingga mengakibatkan kerugian pada pihak Penggugat; 2) Hakim tidak menggunakan makna wanprestasi dalam membuat putusan Nomor 02/Pdt.G.S/2019/PA.Ptk, baik dari KUHPerdata, KHES, dan Hadis Nabi Saw. Hakim hanya menggunakan dalil hukum syar’i yaitu dari Al-Qur’an surah Al-Maidah ayat 1. Hakim memutuskan perkara hanya melihat dari pembuktian yaitu alat bukti yang diajukan oleh pihak Penggugat serta pengakuan murni yang dilakukan oleh Tergugat; 3) Hakim menggunakan metode interpretasi yang menafsirkan berdasarkan teks undang-undang atau naskah teks saja. Walaupun hakim pada kasus ini telah memutuskan perkara secara adil dan bijaksana, peneliti mendukung hakim memanfaatkan sumber hukum formil dan materil termasuk hukum Islam secara komprehensif dalam seluruh kasus hukum. Kata Kunci: Akad, Murabahah bil Wakalah, Wanprestasi, Putusan Hakim
KEBIJAKAN SEMBAKO MURAH DALAM SURAT EDARAN DINAS PERINDUSTRIAN DAN PERDAGANGAN KOTA PONTIANAK NOMOR 510/406/DKUMP-3/IV/2021 MENURUT TOKOH MAJELIS ULAMA INDONESIA Ema Bela; Rusdi Sulaiman; Nur Rahmiani
Al-Aqad Vol. 1 No. 2 (2021): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v1i2.371

Abstract

Tujuan penelitian ini adalah untuk mengetahui: 1) Gambaran sembako murah menurut Surat Edaran Dinas Perindustrian dan Perdagangan kota Pontianak Nomor 510/406/DKUMP-3/IV/2021. 2) Pandangan Tokoh Majelis Ulama Indonesia kota Pontianak dan Majelis Ulama Indonesia (MUI) Kalimantan Barat terhadap kebijakan sembako murah dalam surat edaran Dinas Perindustrian dan Perdagangan kota Pontianak Nomor 510/406/DKUMP-3/IV/2021. 3) Konsep Dasar Hukum Yang Melandasi Pandangan Tokoh Majelis Ulama Indonesia (MUI) kota Pontianak dan Majelis Ulama Indonesia Kalimantan Barat Tentang Surat Edaran Disperindag. Penelitian ini menggunakan metode hukum empiris dengan pengambilan data langsung ke lapangan. Sumber data yang digunakan peneliti menggunakan data primer dan data sekunder. Teknik yang digunakan untuk mengumpulkan data adalah teknik observasi, wawancara kepada tokoh Majelis Ulama Indonesia (MUI) Kota Pontianak dan Kalimantan Barat, dan dokumentasi. Peneliti menggunakan pendekatan kualitatif yang bersifat deskriptif. Menurut hasil penelitian yang dilakukan, peneliti dapat menyimpulkan bahwa: 1) Gambaran sembako murah menurut Surat Edaran Dinas Perindustrian dan Perdagangan kota Pontianak Nomor 510/406/DKUMP-3/IV/2021 bahwa penjualan sembako murah merupakan aktivitas kegiatan berbasis perdagangan komoditi kebutuhan pokok dengan harga yang telah mendapat subsidi dari Pemerintah Daerah Provinsi. Kegiatan sembako murah ini merupakan salah satu bentuk antisipasi kenaikan harga pada Hari Raya Idul Fitri dan keterpaparan masyarakat Indonesia akibat pandemi COVID-19. 2) Menurut MUI kota Pontianak dan Kalimantan Barat terhadap kebijakan sembako murah dalam Surat Edaran Disperindag kota Pontianak Nomor 510/406/DKUMP-3/IV/2021 itu dihalalkan atau diperbolehkan. 3) Konsep dasar hukum yang melandasi pandangan tokoh MUI Kota Pontianak dan Kalimantan Barat tentang Surat Edaran Diserindag berpijak kepada konsep yang normatif dan konsep yang bersifat sosiologis dengan pandangan tekstual dan kontekstual secara berimbang. Kata Kunci: Sembako Murah, Disperindag, Majelis Ulama Indonesia
TINJAUAN KOMPILASI HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK PINJAMAN UMUM DI BADAN USAHA MILIK DESA KABUPATEN MEMPAWAH Wakiah Wakiah; Rasiam Rasiam; Nur Rahmiani
Al-Aqad Vol. 1 No. 2 (2021): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v1i2.386

Abstract

Penelitian ini bertujuan untuk mengetahui praktik pinjaman umum di Badan Usaha Milik Desa (BUMDes) yang ada di Kabupaten Mempawah tepatnya di Desa Desa Parit Banjar yang akan dilihat kesesuaiannya dengan Kompilasi Hukum Ekonomi Syariah (KHES) terhadap praktik pinjaman yang dilakukan oleh masyarakat Desa Parit Banjar. Penelitian ini menggunakan metode penelitian kualitatif dengan jenis penelitian normatif-empiris yang secara langsung peneliti turun ke lapangan. Teknik yang digunakan dalam mengumpulkan data adalah data primernya melalui observasi, wawancara, dokumentasi dan data sekunder yang diperoleh melalui literatur kepustakaan dan KHES yang berkaitan dengan praktik di lapangan. Peneliti dapat menyimpulkan bahwa: 1) Praktik pinjaman umum pada BUMDes oleh masyarakat Desa Parit Banjar, pengelolaannya kedua belah pihak melakukan perjanjian di awal dan nasabah wajib melengkapi persyaratan yang telah ditetapkan, pada pinjaman berbentuk kelompok yang terdapat lima orang di dalamnya. Untuk biaya administrasi, nasabah harus membayar uang dengan besaran 1,5 % pertahun; 2) Tinjauan Kompilasi Hukum Ekonomi Syariah mengenai syarat dan rukun mudharabah pada Pasal 231, Pasal 236, 243, 246 mengenai nisbah keuntungan, dan Pasal 36 mengenai inkar janji. Pada praktiknya, beberapa dari nasabah tidak menggunakan pinjaman untuk menjalankan usahanya akan tetapi digunakan untuk biaya kebutuhan sehari-hari (konsumtif). Hal ini bertentangan dengan perjanjian di awal yakni untuk modal usaha. Pengelola BUMDes perlu menyiapkan jenis pinjaman dengan melalui survei terlebih dahulu atas kebutuhan yang benar-benar dibutuhkan masyarakat dan survei lokasi tempat usaha calon nasabah. Kata Kunci: BUMDes, KHES, Mudharabah, Pinjaman Umum
KESAHIHAN JUAL BELI KULAT DI DESA SUNGAI PINANG MENURUT PENGURUS MAJELIS ULAMA INDONESIA KABUPATEN MELAWI Tanti Paramita; Rusdi Sulaiman; Nur Rahmiani
Al-Aqad Vol. 2 No. 1 (2022): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v2i1.699

Abstract

This study aims to find answers to the legal status of buying and selling ‘kulat’ (rubber sap) in Sungai Pinang Village with the addition of particles or water content in it according to the Indonesian Ulema Council (MUI) management of the Melawi Regency. This type of research is empirical law with a qualitative approach and descriptive analysis. At the same time, the data collection techniques used primary data, namely observation, interviews, and forms of documentation. To test the validity of the data, researchers only used triangulation. Based on the results of the study, it can be concluded that: 1) The practice of adding particles or water content into ‘kulat’ (rubber sap) by the community in Sungai Pinang Village is still being carried out today; 2) The legal status of the sale and purchase of ‘kulat’ (rubber sap) by way of the practice of adding particles such as sawdust and adding water content to toadstool according to the MUI of Melawi Regency, namely halal and haram. However, if the addition of particles such as gravel, sand, and mud into the toadstool, the law is haram; 3) There are other legal opinions besides the Qur'an, Hadith, and Al-'urf which are used by the MUI management to compare and provide legal opinions that are not commonly used by other scholars, namely the legal history argument. This research implies a change in behavior regarding buying and selling activities contrary to Islam. Therefore, the role of the MUI in the Melawi Regency is necessary to enlighten the practice of buying and selling kulat, which is justified in Islam. Keywords: Islamic Law, Kulat (Rubber Sap), Indonesian Ulema Council (MUI)
KUPON BERHADIAH MENURUT TOKOH AGAMA DESA SUNGAI MALAYA KECAMATAN SUNGAI AMBAWANG KABUPATEN KUBU RAYA Anshori Anshori; Syahbudi Syahbudi; Nur Rahmiani
Al-Aqad Vol. 2 No. 2 (2022): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v2i2.865

Abstract

This study aims to determine the experience of small traders in Sungai Malaya Village in practicing buying and selling with prize coupons and the responses of religious leaders regarding the law related to the practice. This study uses a qualitative method with empirical legal research as the object of the practice of prize coupons in Sungai Malaya Village, Sungai Malaya District, Kubu Raya Regency. Sources of data used primary data in the form of interviews with informants while secondary data in the form of books, journals, theses, and related articles discussing the sale and purchase of prize coupons. While the data collection technique is a field technique. According to the results of the researcher's analysis, it can be concluded that: 1) The practice of gift coupons packaged in the form of rectangular coupons in the Sungai Malaya Village community, Sungai Ambawang District, Kubu Raya Regency is carried out by withdrawing the available coupons and the seller offering attractive prizes. 2) Religious leaders in Sungai Malaya Village, Sungai Ambawang District, Kubu Raya Regency, regarding the prize coupons did not allow this practice because it favored one party, and there was an element of maisir or gambling. 3) Opinions of religious leaders are based on textual concepts (referring to the Qur'an and hadith) and contextual concepts (chance and pure luck).
BAGI HASIL PERTANIAN DI DESA SUNGAI DERAS PERSPEKTIF TOKOH AGAMA TELUK PAKEDAI Neisya Arrahmi; Abu Bakar; Nur Rahmiani
Al-Aqad Vol. 2 No. 2 (2022): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v2i2.901

Abstract

This research is motivated by the practice that occurs in Sungai Deras Village, there is anxiety related to the diversity of forms of borrowing and borrowing agricultural land which is indicated by differences in the distribution system and the amount. The purposes of this study are to determine: 1) the practice of sharing agricultural products that occurred in Sungai Deras Village; and 2) Teluk Pakedai religious leaders' views on sharing agricultural products in Sungai Deras Village. This study uses a qualitative method with the type of empirical research. Sources of data used primary data in the form of interviews with farmers, land owners and religious leaders while secondary data was in the form of books, journals, theses, and related articles that discussed agricultural production sharing practices and as reinforcement for data collection. Data collection techniques are interviews, observation and documentation. This data was analyzed by the descriptive analysis method, while the technical analysis of the data used by the researcher was data collection, data reduction, data presentation, and conclusion. Then, the data is checked for validity using time triangulation and member-check. The results of this study indicate that: 1) The practice of sharing agricultural land in Sungai Deras Village, Teluk Pakedai District, is by giving the land to farmers or cultivators with an agreement on sharing the results used in the community in muamalah called mukhabarah, muzara'ah and ijarah. 2) Religious leaders argue that they allow it because the agreement that occurs in the sharing of agricultural products is mutually beneficial for both the land owner and the cultivator. There is no coercion because both parties need each other.
PERLINDUNGAN HUKUM BAGI UMAT ISLAM ATAS BEREDARNYA PRODUK KECANTIKAN MENURUT UNDANG-UNDANG NOMOR 8 TAHUN 1999 Dea Ananda Putri; Sukardi Sukardi; Nur Rahmiani
Al-Aqad Vol. 2 No. 2 (2022): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v2i2.939

Abstract

The purpose of this study was to determine the public's response to information on beauty products, especially those containing glycerin and heparin sodium chemicals in beauty products and the series of processes for the circulation of beauty products containing chemicals in the community as well as legal protection for Muslims for the circulation of beauty products according to the Law Number 8 of 1999. Researchers use qualitative research methods with field research types and juridical-normative approaches as well as sociological approaches. Sources of data using primary data in the form of interviews, documentation, and observation. At the same time, secondary data is in the form of related laws, previous research, research guides, and other relevant literature. Data collection techniques are interviews, observation, and literature. While the data analysis technique, the researcher performs data reduction (reduction), data presentation, and conclusions. The results of the study show: 1) Several owners and users of beauty products need to learn about these ingredients. 2) A series of processes for the circulation of beauty products containing chemicals in the community from outside the city of Pontianak. 3) The seller does not know the content and has not been maximal in ensuring that the product is halal.
PRAKTIK RAHN PADA MASYARAKAT DESA SELAT REMIS KABUPATEN KUBU RAYA DALAM PERSPEKTIF KOMPILASI HUKUM EKONOMI SYARIAH Rafi'ah Rafi'ah; Rasiam Rasiam; Nur Rahmiani
Al-Aqad Vol. 2 No. 2 (2022): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v2i2.1022

Abstract

This research was motivated by an interesting phenomenon that occurred in the West Kalimantan region, especially in the Remis Strait Village area, Teluk Pakedai District, Kubu Raya Regency, namely the existence of a pawn where it contains sharia values. The practice in question is the practice of rahn among the people of Selat Remis Village from the Perspective of the Sharia Economic Law Compilation (KHES). The purpose of this study is to analyze the practice of rahn among the people of Selat Remis Village from the Perspective of the Compilation of Sharia Economic Law (KHES). This research method is qualitative with a sociological-empirical approach. The primary data sources themselves are rahin (a pawnee) and murtahin (a pawnee). Meanwhile, secondary data was obtained from various sources including books and journals. The argument of this research is that the practice of pawning that occurs refers more to the habits and traditions that apply in the community. Based on the data obtained, it can be concluded that the practice of pawning that occurs between the people of the Remis Strait only aims to help each other with the principle of kinship and mutual trust. This pawn in harmony and terms has complied with the provisions of the KHES.
ANALISIS KLAUSUL PERJANJIAN TABUNGAN HAJI ANTARA NASABAH DAN BANK KALBAR CABANG SYARIAH PONTIANAK PERSPEKTIF FATWA MUI Syarif Hidayatullah; Rusdi Sulaiman; Nur Rahmiani
Al-Aqad Vol. 3 No. 1 (2023): Al-Aqad: Journal of Shariah Economic Law
Publisher : LP2M and Shariah Faculty of The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/al-aqad.v3i1.1192

Abstract

The purpose of this research is to determine the content of the Hajj savings agreement clause between customers and Bank Kalbar Pontianak Syariah Branch. This research uses legal research methods and normative research types using library data collection methods. Research data sources are primary and secondary. Data collecting techniques are bibliography study, document study, and documentation. Data analysis techniques use contract interpretation and systematization techniques. According to the results of the research conducted, the researcher can conclude that: 1) In the content of the Hajj Savings Agreement clause between the customer and Bank Kalbar Syariah Branch Pontianak, which contains the content of the Hajj Savings Agreement clause regarding the rights and obligations between the customer and the bank. 2) The basis for the preparation of the contents of the Hajj Savings Agreement Clause at the Pontianak Syariah Branch of Bank Kalbar, namely with reference to the DSN-MUI Fatwa, POJK No.13 / POJK.03 / 2021 on the implementation of commercial banking products, and Law No. 21 of 2008 on Islamic Banking 3) As for the analysis of the contents of the Hajj savings agreement clause between the customer and Bank Kalbar Syariah Branch Pontianak, overall the contents of the clause are consistent and in accordance with the provisions of the DSN-MUI fatwa.
Co-Authors Abu Bakar Ade Juniar Anshori Anshori Dahlia Haliah Ma'u Dea Ananda Putri Ema Bela Hergi Novfitrianingsih Azizah Imam Hadromi Nabila Putri Wuryani Neisya Arrahmi Rafi'ah Rafi'ah Rasiam Rasiam Rusdi Sulaiman Silma Sawali Sopian Lubis Sukardi Sukardi Syahbudi Syahbudi Syarif Hidayatullah Tanti Paramita Umi Hani Wakiah Wakiah