Redi Hadiyanto
Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung

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Analisis Fikih Muamalah dan Kitab Undang-Undang Hukum Perdata (KUHPerdata) terhadap Transaksi Jual Beli Tanah Kolam Siti Sakinah Ainurrohimah; Redi Hadiyanto; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 269-276
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25688

Abstract

Abstract. The practice of fishpond land sale and purchase in Maparah Village, Ciamis Regency, was marked by a unilateral price increase from IDR 5,000,000 to IDR 6,500,000 per bata after the buyer had prepared the payment. This study aims to describe the practice, analyze it from the perspective of Islamic Commercial Law (Fiqh Muamalah) by emphasizing the principles of wa’ad and ghabn, and examine it based on the Indonesian Civil Code (Kitab Undang-Undang Hukum Perdata). This research employed a qualitative method with a normative-empirical juridical approach. Data were collected through interviews, observations, documentation, and library research. The findings indicate that, formally, the sale and purchase contract fulfilled the essential elements and legal requirements. However, the unilateral price increase reflected the inadequate implementation of the principle of wa’ad, indicated ghabn fahisy (gross price disparity), and showed that the buyer’s consent (ridha) was idhtirari (given under compulsion) rather than ikhtiyari (given voluntarily). From the perspective of the Indonesian Civil Code, the seller’s action cannot yet be classified as a breach of contract because there was no binding agreement regarding the final price and no formal notice of default (somasi) as required under Article 1238 of the Civil Code. Nevertheless, the seller’s conduct did not reflect the principle of good faith as stipulated in Article 1338 paragraph (3) of the Civil Code. This study concludes that although the transaction was completed amicably, the principles of justice, legal certainty, and good faith had not been fully realized. Abstrak. Praktik jual beli tanah kolam di Desa Maparah, Kabupaten Ciamis, ditandai dengan perubahan harga sepihak dari Rp5.000.000 menjadi Rp6.500.000 per bata setelah pembeli mempersiapkan dana. Penelitian ini bertujuan mendeskripsikan praktik tersebut, menganalisisnya berdasarkan perspektif Fikih Muamalah dengan menitikberatkan pada prinsip wa’ad dan konsep ghabn, serta meninjaunya berdasarkan Kitab Undang-Undang Hukum Perdata (KUHPerdata). Penelitian ini menggunakan metode kualitatif dengan pendekatan yuridis normatif-empiris. Data diperoleh melalui wawancara, observasi, dokumentasi, dan studi kepustakaan. Hasil penelitian menunjukkan bahwa secara formal akad jual beli telah memenuhi rukun dan syarat, namun perubahan harga tersebut menunjukkan belum optimalnya penerapan prinsip wa’ad, mengindikasikan ghabn fahisy, serta ridha pembeli lebih bersifat idhtirari daripada ikhtiyari. Ditinjau dari KUHPerdata, tindakan tersebut belum dapat dinyatakan sebagai wanprestasi karena belum terdapat perjanjian yang mengikat mengenai harga dan tidak adanya somasi sebagaimana Pasal 1238 KUHPerdata. Meskipun demikian, tindakan tersebut belum mencerminkan asas itikad baik sebagaimana Pasal 1338 ayat (3) KUHPerdata. Penelitian ini menyimpulkan bahwa meskipun transaksi terlaksana secara damai, penerapan keadilan, kepastian hukum, dan itikad baik dalam transaksi belum sepenuhnya terwujud.
Program Zakat Produktif BAZNAS BMM Perspektif Yusuf Qardhawi: Analisis SWOT Sofi Andriani; Redi Hadiyanto; Zia Firdaus Nuzula
Bandung Conference Series: Sharia Economic Law 287-296
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.25725

Abstract

Abstract. This research is motivated by the great potential of zakat as an instrument for the economic empowerment of the ummah, although its utilization has tended to be consumptive. The BAZNAS Mosque-Based Microfinance (BMM) program in Tasikmalaya Regency is present as an effort to utilize zakat productively through a mosque-based micro-financing scheme. This study aims to analyze the concept of productive zakat according to the thought of Yusuf Qardhawi, to examine the management of the BMM program from the perspective of productive zakat, and to formulate its development strategy through a SWOT analysis. This research uses a qualitative method with a descriptive approach. Data were collected through in-depth interviews, observation, documentation, and a literature study, then analyzed using the IFAS matrix, EFAS matrix, and the SWOT quadrant diagram. The results show that the BMM program is implemented through a qardhul hasan contract, namely a benevolent financing without any return, accompanied by business mentoring. Its implementation is in line with the five indicators of productive zakat according to Yusuf Qardhawi. The SWOT analysis obtained an IFAS score of 3.42 and an EFAS score of 3.00, placing the program in Quadrant I (Cell I), the growth and build position that demands an aggressive strategy of program development and strengthening. Abstrak. Penelitian ini dilatarbelakangi oleh besarnya potensi zakat sebagai instrumen pemberdayaan ekonomi umat, meskipun pemanfaatannya selama ini masih cenderung bersifat konsumtif. Program BAZNAS Microfinance Masjid (BMM) di Kabupaten Tasikmalaya hadir sebagai upaya pendayagunaan zakat secara produktif melalui skema pembiayaan mikro berbasis masjid. Penelitian ini bertujuan untuk menganalisis konsep zakat produktif menurut pemikiran Yusuf Qardhawi, mengkaji pengelolaan Program BMM dalam perspektif zakat produktif, serta merumuskan strategi pengembangannya melalui analisis SWOT. Penelitian menggunakan metode kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui wawancara mendalam, observasi, dokumentasi, dan studi kepustakaan, kemudian dianalisis menggunakan matriks IFAS, EFAS, dan diagram kuadran SWOT. Hasil penelitian menunjukkan bahwa Program BMM dilaksanakan melalui akad qardhul hasan, yaitu pembiayaan kebajikan tanpa imbalan yang disertai pendampingan usaha. Pelaksanaan program telah sejalan dengan lima indikator zakat produktif menurut Yusuf Qardhawi. Analisis SWOT memperoleh nilai IFAS sebesar 3,42 dan EFAS sebesar 3,00 sehingga program berada pada Kuadran I (Sel I), yaitu posisi growth and build yang menuntut strategi agresif berupa pengembangan dan penguatan program.