Garuda - Garba Rujukan Digital

Analisis Fikih Muamalah terhadap Syarat Minimal Cetak Emas Digital BSI Mochammad Ilham Sabilah Trigha; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 191-198
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25209

Abstract. He growth of digital financial services has encouraged the development of digital gold products in Islamic financial institutions, including Bank Syariah Indonesia's (BSI) Digital Gold. The product allows customers to buy, store, resell, and redeem gold digitally. However, BSI requires a minimum balance of 2 grams for physical redemption, with 0.2 grams retained as a residual balance, raising questions regarding its compliance with fiqh muamalah. This study analyzes the physical redemption policy and evaluates the minimum redemption and resale requirements from a fiqh muamalah perspective. A qualitative case study was conducted using normative-juridical and conceptual legal approaches. Primary data were collected through interviews with BSI representatives, digital gold customers, and a fiqh muamalah expert, while secondary data were obtained from DSN-MUI Fatwa No. 77/DSN-MUI/VI/2010 and relevant literature. The findings show that the 2-gram minimum redemption requirement is an operational policy that does not affect customers' ownership rights. Digital gold ownership fulfills the concept of milk al-tamm through qabd hukmi, making the requirement a valid condition (syarth shahih) rather than an invalid one (syarth bathil). Abstrak. Perkembangan layanan keuangan digital mendorong hadirnya produk Emas Digital Bank Syariah Indonesia (BSI) yang memungkinkan nasabah membeli, menyimpan, menjual kembali, dan mencetak emas secara digital. BSI menetapkan syarat minimal saldo 2 gram untuk pencetakan emas fisik dengan saldo mengendap 0,2 gram, sehingga menimbulkan beragam persepsi mengenai kesesuaiannya dengan prinsip fikih muamalah. Penelitian ini bertujuan menganalisis ketentuan pencetakan fisik, meninjau syarat minimal pencetakan dan penjualan kembali dari perspektif fikih muamalah, serta menentukan status hukumnya. Penelitian menggunakan pendekatan kualitatif dengan metode studi kasus yang dipadukan dengan pendekatan hukum normatif dan konseptual. Data primer diperoleh melalui wawancara dengan pihak BSI, nasabah, dan pakar fikih muamalah, sedangkan data sekunder berasal dari Fatwa DSN-MUI dan literatur terkait. Analisis dilakukan menggunakan model interaktif Miles dan Huberman. Hasil penelitian menunjukkan bahwa syarat minimal pencetakan 2 gram merupakan kebijakan operasional yang tidak menghilangkan hak kepemilikan nasabah. Kepemilikan emas digital telah memenuhi konsep milk al-tamm melalui qabd hukmi, sehingga ketentuan tersebut termasuk syarth shahih, bukan syarth bathil, berdasarkan 'urf tijari.

Normalisasi Perilaku Israf dalam Tren Self Reward: Analisis Etika Ekonomi Syariah terhadap Gaya Hidup Netizen di Tiktok Muhammad Rival Tyo Anggara; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 237-244
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25457

Abstract. TikTok has become a contemporary space of muamalah that shapes the consumption patterns of urban Indonesian Muslims, particularly through the self-reward trend that risks normalizing israf (extravagant spending). This study analyzes how self-reward narratives are constructed on TikTok, how israf is normalized through netizen interaction in the comment section, and how this phenomenon is evaluated from the perspective of Islamic economic ethics, especially its impact on hifz al-mal (protection of wealth). A descriptive-qualitative approach with a netnographic case-study design, adapted from Kozinets' procedure, was used. Primary data were drawn from four sample videos and twenty-seven netizen comments through purposive sampling, then analyzed with the interactive model of Miles, Huberman, and Saldaña and triangulated with secondary literature. The findings show that self-reward narratives are constructed through positive psychological framing that blurs the boundary between hajah (needs) and syahwat (desires). In the comment sections, 74% of netizen responses normalized israf through self-justification, social validation, and distortion of the creators' educational messages, while only 26% showed critical awareness. From an Islamic economic ethics perspective, the phenomenon violates the principle of maratib al-hajah, undermines hifz al-mal, and produces greater mafsadah than the momentary maslahah obtained. The study recommends strengthening cyber-syariah literacy and more algorithmically competitive digital da'wah for Islamic financial institutions. Abstrak. TikTok telah menjelma menjadi ruang muamalah kontemporer yang memengaruhi pola konsumsi masyarakat Muslim urban di Indonesia, khususnya melalui tren self-reward yang berpotensi menormalisasi perilaku israf. Penelitian ini menganalisis konstruksi narasi self-reward pada konten TikTok, proses normalisasi israf melalui interaksi netizen di kolom komentar, serta mengevaluasi fenomena tersebut dari perspektif etika ekonomi syariah, khususnya dampaknya terhadap prinsip hifz al-mal. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain studi kasus netnografi yang mengadaptasi prosedur Kozinets. Data primer dihimpun dari empat video sampel dan dua puluh tujuh data komentar netizen melalui purposive sampling, dianalisis dengan model interaktif Miles, Huberman, dan Saldaña, serta ditriangulasi dengan sumber sekunder. Hasil penelitian menunjukkan bahwa narasi self-reward dikonstruksi melalui pembingkaian psikologis positif yang mengaburkan batas antara hajah dan syahwat. Pada kolom komentar, mayoritas reaksi netizen (74%) menormalisasi israf melalui pembenaran diri, validasi sosial, dan distorsi makna pesan edukatif kreator, dibandingkan hanya 26% yang menunjukkan kesadaran kritis. Ditinjau dari etika ekonomi syariah, fenomena ini melanggar prinsip maratib al-hajah, mencederai hifz al-mal, serta menghasilkan mafsadah yang lebih besar dibandingkan maslahah sesaat. Penelitian merekomendasikan penguatan literasi cyber-syariah bagi masyarakat serta strategi dakwah digital yang lebih kompetitif secara algoritmik bagi lembaga keuangan syariah.

Analisis Implementasi Fatwa DSN-MUI NO.05/DSN-MUI/IV/2000 terhadap Transaksi Akad Salam pada Jual Beli Nail Art Sistem Pre-Order Kanaya Jentira; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 313-318
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25813

Abstract. The growth of e-commerce has driven widespread adoption of pre-order systems in nail art sales, a model resembling the salam contract in Islamic commercial law, where payment is made fully upfront while goods are delivered later. In practice, issues persist, including unclear product specifications, uncertain delivery schedules, and weak complaint handling, which may conflict with DSN-MUI Fatwa No. 05/DSN-MUI/IV/2000 on salam contracts. This study analyzes the mechanism of pre-order nail art transactions at Store X, assesses their conformity with the pillars and conditions of salam under the fatwa, and evaluates their implementation. A qualitative method combining normative-juridical and empirical approaches was used, with data collected through observation, interviews, and documentation involving one store owner and seven consumers via purposive sampling. Findings indicate the transaction fulfills the characteristics of a salam contract, encompassing ordering, full advance payment, production after payment, and delivery, and generally satisfies its essential pillars: contracting parties, object, sighat, and payment. However, full compliance with the fatwa has not been achieved due to unclear specifications, delivery delays, and ineffective complaint resolution. The study concludes that stronger adherence to sharia principles requires clearer product information, reliable delivery, and a transparent complaint system to enhance consumer protection and legal certainty. Abstrak. Perkembangan e-commerce meningkatkan praktik jual beli nail art dengan sistem pre-order yang menyerupai akad salam, yaitu pembayaran di awal dan penyerahan barang kemudian. Dalam praktiknya, masih ditemukan indikasi permasalahan terkait kejelasan spesifikasi produk, kepastian waktu penyerahan, dan mekanisme komplain yang berpotensi bertentangan dengan Fatwa DSN-MUI No. 05/DSN-MUI/IV/2000 tentang jual beli salam. Penelitian ini bertujuan menganalisis bentuk dan mekanisme transaksi pre-order nail art di Toko Nail Art X, menilai kesesuaiannya dengan rukun dan syarat akad salam, serta mengevaluasi praktiknya berdasarkan fatwa tersebut. Penelitian menggunakan metode kualitatif dengan pendekatan yuridis-normatif-empiris, dengan data dari observasi, wawancara, dan dokumentasi terhadap satu pemilik toko dan tujuh konsumen yang dipilih secara purposive. Hasil penelitian menunjukkan praktik tersebut dapat dikategorikan sebagai akad salam, mencakup pemesanan, pembayaran penuh di muka, produksi, dan penyerahan barang, serta memenuhi unsur para pihak, objek akad, sighat, dan pembayaran di muka. Namun, implementasi fatwa belum optimal akibat ketidakjelasan spesifikasi, keterlambatan penyerahan tanpa pemberitahuan, serta mekanisme komplain yang belum memberi perlindungan maksimal. Penelitian ini merekomendasikan agar pelaku usaha lebih patuh pada prinsip syariah melalui informasi produk lengkap, kepastian waktu penyerahan, dan mekanisme komplain yang lebih adil.

Keadilan dalam Praktik Sewa Kos di Kelurahan Tamansari Perspektif Quraish Shihab Moh Rafli; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 337-344
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25971

Abstract. Room-rental (kos) practices in Tamansari Sub-district, Bandung City, are largely based on unwritten agreements between owners and tenants, creating room for disputes when tenants add occupants without the owner's consent. This qualitative field research aims to describe the practice of room-rental in Tamansari and to analyze it using the concept of justice (al-adl) formulated by M. Quraish Shihab, which comprises equality of treatment, balance between rights and obligations, fulfillment of individual rights, and divinely-grounded justice. Data were collected through in-depth interviews with twelve informants, consisting of six room-rental owners and six tenants in RT 02 RW 14, complemented by observation and documentation, then analyzed following Miles and Huberman's interactive model of data reduction, data display, and conclusion drawing. The findings show that most agreements are oral, and that unauthorized addition of occupants is common, ranging from brief visits to extended, unsanctioned stays. Judged against Shihab's four indicators, the practice generally fails to meet the standard of balance and rights fulfillment, mainly because compensation is rarely adjusted when occupancy increases. The absence of a clear written agreement is identified as the root cause of the recurring imbalance between the two parties. Abstrak. Praktik sewa kos di Kelurahan Tamansari, Kota Bandung, sebagian besar didasarkan pada kesepakatan lisan antara pemilik dan penyewa, sehingga membuka ruang perselisihan ketika penyewa menambah penghuni tanpa persetujuan pemilik. Penelitian kualitatif lapangan ini bertujuan mendeskripsikan praktik sewa kos di Kelurahan Tamansari dan menganalisisnya menggunakan konsep keadilan (al-adl) menurut M. Quraish Shihab, yang mencakup persamaan perlakuan, keseimbangan hak dan kewajiban, pemenuhan hak individu, serta keadilan yang dinisbatkan kepada Allah. Data dikumpulkan melalui wawancara mendalam terhadap dua belas informan, terdiri atas enam pemilik kos dan enam penyewa kos di RT 02 RW 14, dilengkapi observasi dan dokumentasi, kemudian dianalisis dengan model interaktif Miles dan Huberman meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa mayoritas perjanjian dilakukan secara lisan, dan penambahan penghuni tanpa izin merupakan hal yang lazim terjadi, mulai dari kunjungan singkat hingga tinggal dalam waktu lama tanpa izin. Ditinjau dari empat indikator keadilan Shihab, praktik tersebut secara umum belum memenuhi prinsip keseimbangan dan pemenuhan hak, terutama karena kompensasi jarang disesuaikan ketika jumlah penghuni bertambah. Ketiadaan perjanjian tertulis yang jelas diidentifikasi sebagai akar persoalan dari ketimpangan yang berulang antara kedua belah pihak.

Prinsip Muamalah dalam Sistem Tanggung Renteng BMD Kota Bandung Dinie Agistiani Dewantara; Neng Eva Fauziah; Maman Surahman
Bandung Conference Series: Sharia Economic Law 345-354
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.26154

Abstract. This research is motivated by payment defaults in the BAZNAS Microfinance Desa (BMD) program in Bandung City, where 216 group members experienced defaults despite signing a joint liability commitment. This gap between normative commitment and implementation is examined from the perspective of Islamic economic law based on the principles of justice, benefit, consent, written agreement, and trustworthiness, as well as DSN-MUI Fatwa No. 162/DSN-MUI/VII/2025. This research employs a qualitative method with a normative-empirical approach and a case study design. Primary data were obtained through participatory observation and interviews with the BMD Manager, an Account Officer, and nine partners, while secondary data were obtained from scholarly literature, DSN-MUI fatwas, and relevant regulations. Data were analyzed descriptively using the Miles and Huberman model. The findings show that the joint liability mechanism has been implemented structurally, but its underlying contractual scheme remains unclear. Defaults are caused by economic inability, moral hazard, limited communication and transparency, unclear mechanisms and initial agreements, and misuse of financing funds. The implementation does not fully fulfill justice, consent, and trustworthiness, while benefit and written agreement are formally fulfilled. Under DSN-MUI Fatwa No. 162/2025, the mechanism is not compliant because it lacks kafalah or hibah bi al-syarth, mandatory collective funds, and may contain gharar. Abstrak. Penelitian ini dilatarbelakangi oleh kemacetan pembayaran pada program BAZNAS Microfinance Desa (BMD) Kota Bandung, di mana 216 anggota kelompok mengalami kemacetan meskipun telah menandatangani komitmen tanggung renteng. Kesenjangan antara komitmen normatif dan pelaksanaannya dikaji dari perspektif hukum ekonomi syariah dengan tolok ukur prinsip keadilan, manfaat, kerelaan, tertulis, dan amanah, serta Fatwa DSN-MUI No. 162/DSN-MUI/VII/2025. Penelitian menggunakan metode kualitatif dengan pendekatan normatif-empiris dan jenis studi kasus. Data primer diperoleh melalui observasi partisipatif dan wawancara dengan Manajer BMD, Account Officer, serta sembilan mitra, sedangkan data sekunder diperoleh dari literatur ilmiah, Fatwa DSN-MUI, dan regulasi terkait. Data dianalisis deskriptif kualitatif menggunakan model Miles and Huberman. Hasil penelitian menunjukkan bahwa pelaksanaan tanggung renteng telah berlangsung terstruktur, tetapi skema akad belum dijelaskan secara rinci. Wanprestasi dipengaruhi oleh ketidakmampuan ekonomi, moral hazard, minimnya komunikasi dan transparansi, ketidakjelasan mekanisme dan kesepakatan, serta penyalahgunaan dana pembiayaan. Pelaksanaannya belum sepenuhnya memenuhi prinsip keadilan, kerelaan, dan amanah, sedangkan prinsip manfaat dan tertulis telah terpenuhi secara formal. Ditinjau dari Fatwa DSN-MUI No. 162/2025, mekanisme tanggung renteng BMD belum sesuai karena belum menggunakan akad kafalah atau hibah bi al-syarth, belum memiliki dana kolektif kelompok yang wajib, dan berpotensi mengandung gharar. BMD perlu menyesuaikan mekanisme tanggung renteng agar selaras dengan hukum ekonomi syariah.

Title

Found 5 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 5 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 5 Documents
Search