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Tinjauan Fikih Muamalah terhadap Dampak Melemahnya Nilai Tukar Mata Uang Rupiah Maharticha Sarikahemi Kabalmay; Nandang Ihwanudin
Jurnal Riset Perbankan Syariah Volume 1, No. 2, Desember 2022, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Abstract. Inflation increased the average price of products and services. Inflation can be seen from some prices rose above the average, some rose below the average, and some prices of goods declined. Inflation that occurs in countries is determined by various factors that influence it. Based on the above background, the problem is formulated as follows: What are the factors that affect the weakening of the rupiah currency in Indonesia? How does muamalah fiqh deal with the weakening of the rupiah in Indonesia? From the formulation of the problem, the objectives of this study are: To determine the factors that influence the weakening of the rupiah in Indonesia and to know the fiqh muamalah against the weakening of the rupiah currency in Indonesia. This study uses a qualitative approach. The results of this study: 1) Inflation in Indonesia in 2019-2021 is caused by natural inflation in the form of the covid-19 pandemic and inflation of human error, namely problematic economic governance; and 2). By looking at Al-Maqrizi's view, in fiqh muamalah inflation 2019-2021 is caused by natural inflation factors and human error inflation. Therefore, the solution offered by Al Maqrizi to overcome inflation is to overcome all causes of inflation. Abstrak. Inflasi menyebabkan peningkatan harga produk dan jasa. Inflasi dapat dilihat dari beberapa harga naik di atas rata-rata, beberapa harga naik dibawah rata-rata, dan beberapa harga barang menurun. Inflasi yang terjadi di Negara ditentukan dengan berbagai faktor yang mempengaruhinya Berdasarkan latar belakang diatas, dirumuskan masalah sebagai berikut: Faktor-faktor apa yang mempengaruhi melemahnya mata uang rupiah di Indonesia? Bagaimana tinjauan fikih muamalah terhadap melemahnya mata uang rupiah di Indonesia? Dari rumusan masalah tersebut yang menjadi tujuan dari penelitian ini adalah : Untuk mengetahui faktor-faktor yang mempengaruhi melemahnya mata uang rupiah di Indonesia dan untuk mengetahui tinjauan fikih muamalah terhadap melemahnya mata uang rupiah di Indonesia. Penelitian ini menggunakan pendekatan kualitatif. Hasil dari Penelitian ini: 1) Inflasi di Indonesia tahun 2019-2021 disebabkan oleh natural inflation berupa pandemi covid-19 dan human error inflation yaitu tata kelola perekomomian yang bermasalah; dan 2) .Dengan melihat pandangan Al-Maqrizi, dalam fikih muamalah inflasi 2019-2021 disebabkan oleh faktor natural inflation dan human error inflation Oleh karena itu, tawaran penanggulanagannya yang ditawarkan Al Maqrizi untuk mengatasi inflasi ialah dengan mengatasi semua penyebab inflasi.

Perbandingan Tinjauan PSAK 104 dan Tinjauan Hukum Perdata dalam Implementasi Pengakuan Akad Istishnaâ€™ yang mengalami kondisi Wan Prestasi Agus Prakarsa Yuristama; Nunung Nurhayati; Nandang Ihwanudin
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v7i7.7563

Akad dalam perspektif ekonomi syariah adalah sesuatu yang sangat menarik untuk dibahas, termasuk Akad Istishnaâ€™ dimana ada kesepakatan jual beli dengan obyek tertentu yang spesifik dan pola pembayaran tertentu. Akad Istishnaâ€™ memungkinkan adanya suatu kondisi dimana obyek atau barang yang diperjanjikan belum ada dan masih dalam proses pembuatan berdasarkan spesifikasi obyek atau barang yang telah disetujui para pihak sebagaimana dituangkan dalam Akad Istishnaâ€™. Kondisi ini tentunya akan membuat potensi wan prestasi dalam pelaksanaannya atau ketidaknyamanan dari para pihak untuk menjalankan Akad Istishnaâ€™ sehingga hal ini yang mungkin mengakibatkan produk ini tidak telalu popular dalam kegiatan operasional perbankan syariah murni di Indonesia dan hanya berhasil sebagai suatuproduk di unit usaha syariah. Untuk itu dalam makalah ini akan menarik dibahas mengenai apa yang bisa diperoleh dari sudut pandang akuntansi (PSAK 104) dan bagaimana dari sudut pandang hukum, Ketika terdapat suatu kondisi yang tidak terpenuhi dalam akad dimaksud (wan prestasi). Harapan dengan makalah ini maka kondisi wan prestasi dalam Akad Istishnaâ€™ dapat dijelaskan dan ditemukan mitigasinya secara baik.

Persepsi dan Partisipasi Ketua Dewan Kemakmuran Masjid (DKM) Di Kelurahan Cipadung Kidul Kecamatan Panyileukan Kota Bandung Terhadap Kredit Mesra Nandang Ihwanudin; M. Burhanudin
ISLAMICA Vol 5 No 1 (2020): ISLAMICA
Publisher : STAI Siliwangi Bandung

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This research is motivated by the Bandung City Government's policy of rolling out the Prosperous Mosque Credit Program (Mesra), which is a loan program without collateral and without interest. This policy is intended to move the economy, improve the welfare of the community, minimize the practice of moneylenders who are troubling the community, and foster new entrepreneurs. This program is an embodiment of the idea to make a mosque not only a place of worship but also a center of community economic growth. Practically in the field, from the results of the preliminary study, two of the four board members of DKM did not yet know about MESRA credit program. While other managers know about MESRA credit program, but do not know how it is implemented. Therefore, the authors are interested in conducting research on the perceptions and participation of the board of the Mosque Prosperity Council (DKM) on the MESRA Credit Program in the City of Bandung. This research uses descriptive analysis method, the type of data is information; and data sources can be obtained by researchers through primary data in the form of interviews with DKM management and secondary data in the form of various journals, research articles, and books, websites, etc. which are all closely related to understanding and perception, as well as the participation of DKM administrators towards the MESRA Credit program in the City of Bandung. The results of this study concluded that the understanding from management of DKM about the MESRA Credit Program in Bandung was still very low and there was no participation from them in succeeding the program. Next, the authors suggest to the stakeholders to conduct massive socialization to the public and to the board of the DKM and mobilize related elements such as Ministry of Religion, BAZDA, MUI, and related financial institutions.

Implementasi Aqsamul Qur’an Dalam Memahami Ayat Tentang Etos Kerja Sumber Daya Manusia Yang Islami Deny Az Nasta Ramadhana; Muhammad Risandi Lampah; Bunga Citra Mustika Wardhani; Boki Nurasiah; Geugeut Kinasih Wahyuni; Nura Habiba; Nandang Ihwanudin
ISLAMICA Vol 5 No 2 (2022): ISLAMICA
Publisher : STAI Siliwangi Bandung

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Ulumul Qur'an studies Aqsamul Qur'an as one of the branches of science. Aqsamul Qur'an itself is a science that studies or studies the oaths contained in the Qur'an that Allah uses to strengthen or confirm the information in it. Al-Qur'an is the last revelation that Allah sent down to the last Prophet Muhammad SAW as guidance for all humankind. It contains prohibitions and commands to worship and contains all aspects of human life, one of which is about work affairs. Islam provides clear guidelines; the motivation for worship is the main driving force in work and wants to get an award (reward). In the Qur'an itself, Allah has explained a lot that as Muslims, we must work hard and try our best to actualize ourselves as servants of Allah, which produces the best and most practical work, not only for himself but also for the benefit of others. As Muslims, they must have ethics to achieve success both in this world and in the hereafter. In several verses of the Qur'an, Allah often mentions sentences that contain qasam to emphasize something that is an essential indication in Islamic Human Resources (SDI) management, which can affect the attitudes, behaviour, performance, and work ethic of a human being.

Perkembangan Nilai Tukar Sejalan Dengan Kebijakan Negara Nandang Ihwanudin; Dena Febriani
ISLAMICA Vol 5 No 2 (2022): ISLAMICA
Publisher : STAI Siliwangi Bandung

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In making payments using money as a medium of exchange, public economic transactions. Certain countries have different types and names of currencies in their payment instruments. The affects the value in different currencies in a country. Likewise, Indonesia uses the rupiah currency; Bath is the official currency in Thailand, the US dollar in the United States, and the ringgit are the official currencies in Malaysia. In the case of international trade-related to other countries, the open economic cycle is buying and selling goods/services between residents. Different payment instruments or types of currency in a country are certain things that need to consider in the value equation or currency. The price for currency exchange determines the similarity in value and currency, namely the exchange rate for foreign currency exchange with domestic currency. The exchange rate is related to a country's monetary international economic policy. The exchange rate affects the wheels of the country's economic progress. Exchange rate stability in the economic reform policy has become one of the state policies. Determination of the state in exchange rate renewal by assessing the economic development of another country is an analysis of the relationship between exchange rate changes in a country.

Pelaksanaan BPJS Kesehatan Menurut Pandangan Hukum Positif Dan Hukum Islam Di Indonesia Nandang Ihwanudin
ISLAMICA Vol 3 No 1 (2015): ISLAMICA
Publisher : STAI Siliwangi Bandung

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Validity period of BPJS in 2011 gave the consequences to change a number of social security institutions in Indonesia that insurance agencies guarantee health, PT Askes and social security institutions employment, PT Jamsostek Transformed into BPJS. On January 1, 2014, PT Askes transformed into BPJS Health, then on July 1, 2015 PT Jamsostek transformed into BPJS Employment. BPJS in the implementation of Health, there are pros and cons with Islamic law, so that through ijtima MUI in July 2015 concluded that the fund management BPJS deemed incompatible with Islamic law. In this paper, the authors will describe the implementation of the BPJS Health in the view of Islam. Whether implementation has Shari'a compliant or not? If not, what are things that become the reason? What are the consequences and solutions for Moslem people who want to become a membership BPJS in accordance of Islamic law? Results of this paper can be concluded that the Organization of the BPJS considered incompatible with Islamic principles because they contain an element of uncertainty (gharar) because of contract and ownership of the premiums (contributions) is not clear, has an element of gambling (gambling) because there is an element of profit and loss, and usury.

Sengketa Ekonomi Syariah Dan Solusi Penyelesaiannya Nandang Ihwanudin
ISLAMICA Vol 3 No 2 (2016): ISLAMICA
Publisher : STAI Siliwangi Bandung

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The rapid growth of the banking and Islamic financial institutions did not ensure that will be a lot of sharia economic disputes brought to the Religious Court. The number of resolution options of dispute sharia economy (choice of forum) is often cited as the cause since besides through litigation (litigation effort) in a religious court, sharia economic disputes can also be resolved by non-litigation (non-litigation effort), for example by mediation or through Arbitration Service. But now, a special dispute resolution options such as Islamic banking has been eliminated and can only be resolved by the Court of religion by the Constitutional Court Decision No. 93 / PUU-X / 2012 dated August 29, 2013. This writing will be more focused on the philosophical study of sharia economic disputes and completion. Results of the analysis is that the sharia economic disputes are civil disputes which subject and object of the law based on sharia. The occurrence of a dispute can be caused by two things, namely breach of contract and tort. The solution can be done through two ways, namely litigation on Basyarnas and in addition to Islamic banking disputes and Religious Courts as the absolute authority (article 49 UUPA).

Tinjauan Fikih Muamalah terhadap Dampak Melemahnya Nilai Tukar Mata Uang Rupiah Maharticha Sarikahemi Kabalmay; Nandang Ihwanudin
Jurnal Riset Perbankan Syariah Volume 1, No. 2, Desember 2022, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v1i2.1574

Abstract. Inflation increased the average price of products and services. Inflation can be seen from some prices rose above the average, some rose below the average, and some prices of goods declined. Inflation that occurs in countries is determined by various factors that influence it. Based on the above background, the problem is formulated as follows: What are the factors that affect the weakening of the rupiah currency in Indonesia? How does muamalah fiqh deal with the weakening of the rupiah in Indonesia? From the formulation of the problem, the objectives of this study are: To determine the factors that influence the weakening of the rupiah in Indonesia and to know the fiqh muamalah against the weakening of the rupiah currency in Indonesia. This study uses a qualitative approach. The results of this study: 1) Inflation in Indonesia in 2019-2021 is caused by natural inflation in the form of the covid-19 pandemic and inflation of human error, namely problematic economic governance; and 2). By looking at Al-Maqrizi's view, in fiqh muamalah inflation 2019-2021 is caused by natural inflation factors and human error inflation. Therefore, the solution offered by Al Maqrizi to overcome inflation is to overcome all causes of inflation. Abstrak. Inflasi menyebabkan peningkatan harga produk dan jasa. Inflasi dapat dilihat dari beberapa harga naik di atas rata-rata, beberapa harga naik dibawah rata-rata, dan beberapa harga barang menurun. Inflasi yang terjadi di Negara ditentukan dengan berbagai faktor yang mempengaruhinya Berdasarkan latar belakang diatas, dirumuskan masalah sebagai berikut: Faktor-faktor apa yang mempengaruhi melemahnya mata uang rupiah di Indonesia? Bagaimana tinjauan fikih muamalah terhadap melemahnya mata uang rupiah di Indonesia? Dari rumusan masalah tersebut yang menjadi tujuan dari penelitian ini adalah : Untuk mengetahui faktor-faktor yang mempengaruhi melemahnya mata uang rupiah di Indonesia dan untuk mengetahui tinjauan fikih muamalah terhadap melemahnya mata uang rupiah di Indonesia. Penelitian ini menggunakan pendekatan kualitatif. Hasil dari Penelitian ini: 1) Inflasi di Indonesia tahun 2019-2021 disebabkan oleh natural inflation berupa pandemi covid-19 dan human error inflation yaitu tata kelola perekomomian yang bermasalah; dan 2) .Dengan melihat pandangan Al-Maqrizi, dalam fikih muamalah inflasi 2019-2021 disebabkan oleh faktor natural inflation dan human error inflation Oleh karena itu, tawaran penanggulanagannya yang ditawarkan Al Maqrizi untuk mengatasi inflasi ialah dengan mengatasi semua penyebab inflasi.

Tinjauan Fatwa DSN MUI No: 145/DSN-MUI/XII/2021 terhadap Implementasi Jual Beli Online Sistem Dropship pada Toko Tiens Bandung Rivany Rida Firdaus; Nandang Ihwanudin; Muhammad Yunus
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.7599

Abstract. Dropshippers in their marketing are required to provide clear, honest and trustworthy product descriptions. Islam gives freedom for the parties to continue or cancel a transaction if there is an element of disability in it, in this case it is commonly referred to as khiyar rights. This study aims to analyze buying and selling practices carried out by dropshippers from Toko Tiens Bandung in marketing products on social media, as well as reviewing DSN MUI Fatwa No: 145/DSN-MUI/XII/2021 regarding online buying and selling practices. The method used in this study is a qualitative descriptive analysis research with a normative approach, where the data collection is through interviews. This research can be concluded 1) The practice of buying and selling online in marketing is carried out by dropshippers by uploading product images and product descriptions. The product description uploaded by the dropshipper looks exaggerated because when consumers complain about inappropriate products, the dropshipper cannot be held accountable for what is stated in the description uploaded. 2) Review of DSN MUI Fatwa No: 145/DSN-MUI/XII/2021 regarding the practice of buying and selling online by dropshippers from the Tiens Bandung store is still not fully in accordance with the fatwa. In practice, dropshippers do marketing by exaggerating sentences in uploaded product descriptions to impress consumers to buy products. Dropshippers have also not implemented khiyar rights to buyers, either in the form of refunds or returns. This is not in accordance with the contents of the fatwa in point 4 point 5, point 7 point 6. Abstrak. Dropshipper dalam pemasarannya, dituntut untuk memberikan deskripsi produk secara jelas, jujur, dan amanah. Islam memberikan kebebasan bagi para pihak untuk meneruskan atau membatalkan suatu transaksi bila didalamnya terdapat unsur kecacatan, dalam hal ini biasa disebut sebagai hak khiyar. Penelitian ini bertujuan untuk menganalisis praktik jual beli yang dilakukan oleh dropshipper Toko Tiens Bandung dalam memasarkan produk di media sosial, serta meninjau Fatwa DSN MUI No: 145/DSN-MUI/XII/2021 terhadap praktik jual beli. Metode yang digunakan dalam penelitian ini adalah penelitian kualitatif analisis deskritif dengan pendekatan normatif, dimana dalam pengumpulan data melalui wawancara. Penelitian ini dapat ditarik kesimpulan 1) Praktik jual beli online dalam pemasaran yang dilakukan dropshipper dengan mengunggah gambar produk dan deskripsi produk. Deskripsi produk yang diunggah oleh dropshipper terlihat dilebih-lebihkan karena pada saat konsumen komplain terhadap produk yang tidak sesuai, dropshipper tidak dapat mempertanggungjawabkan sesuai apa yang tercantum pada deskripsi yang diunggahnya. 2) Tinjauan Fatwa DSN MUI No: 145/DSN-MUI/XII/2021 terhadap praktik jual beli online oleh dropshipper toko Tiens Bandung masih belum sepenuhnya sesuai dengan fatwa. Pada praktiknya, dropshipper melakukan pemasaran dengan melebih-lebihkan kalimat pada deskripsi produk yang diunggah agar menimbulkan kesan pada konsumen untuk membeli produk. Dropshipper juga belum menerapkan hak khiyar kepada pembeli, baik dalam bentuk refund ataupun return. Hal tersebut tidak sesuai dengan isi fatwa dalam butir 4 point ke-5 dan butir 7 point ke-6.

Analisis Pemahaman Agama dan Pendapatan Masyarakat Muslim terhadap Kepatuhan dalam Membayar Zakat Mal Safira Muthia Rosyid; Nandang Ihwanudin; Popon Srisusilawati
Bandung Conference Series: Sharia Economic Law Vol. 3 No. 2 (2023): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v3i2.8022

Abstract. Carrying out zakat mal is basically an obligation imposed on Muslims who have excess wealth to give to those in need when it has attained nisab and haul. However, in practice, the understanding of zakat among Karna Sidareja traders is still very limited, they consider that zakat is the same as alms and mean that if they have given alms, it means they have paid zakat. Religious understanding and zakat compliance are important factors for compliance to pay zakat mal. Based on this phenomenon, the problems that become the objectives of this study are: To analyze the influence of religious understanding of Muslim traders in the Karna market, Sidareja village, Cilacap regency on compliance to pay mall zakat. To analyze the effect of income of Muslim traders in Karna Sidareja market, Cilacap regency on compliance to pay mall zakat. And to analyze the effect of religious understanding and income of Muslim traders in the Karna Sidareja market, Cilacap regency on the awareness of paying mall zakat The research method used quantitative methods. Data collection was used in this study using questionnaires. The sample used in this study was 30 respondents. The sampling technique used in this study is non-probability sampling, then the data is processed using multiple regression analysis methods. The results of this study show that religious understanding (X1) and income (X2) have a positive and significant effect on the compliance of paying mall zakat (Y) partially and simultaneously. Abstrak. Melaksanakan zakat mal pada dasarnya adalah kewajiban yang dibebankan kepada umat Islam yang memiliki kelebihan harta untuk diberikan kepada mereka yang membutuhkan ketika telah mencapai nisab dan haul. Namun, dalam praktiknya, pemahaman zakat di kalangan pedagang Karna Sidareja masih sangat terbatas, mereka menganggap bahwa zakat sama dengan sedekah dan mengartikan bahwa jika mereka sudah bersedekah, berarti mereka sudah membayar zakat. Pemahaman agama dan kepatuhan zakat merupakan faktor penting untuk kepatuhan membayar zakat mal. Berdasarkan fenomena tersebut, maka permasalahan yang menjadi tujuan dalam penelitian ini adalah: Untuk menganalisis pengaruh pemahaman agama para pedagang muslim di pasar Karna desa Sidareja kabupaten Cilacap terhadap kepatuhan membayar zakat mal. Untuk menganalisis pengaruh pendapatan para pedagang muslim di pasar Karna Sidareja kabupaten Cilacap terhadap kepatuhan membayar zakat mal. Dan untuk menganalisis pengaruh pemahaman agama dan pendapatan para pedagang muslim di pasar Karna Sidareja kabupaten Cilacap terhadap kesadaran membayar zakat mal Metode penelitian yang digunakan metode kuantitatif. Pengumpulan data yang digunakan dalam penelitian ini dengan menggunakan kuesioner. Sampel yang digunakan dalam penelitian ini sebanyak 30 responden. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah non-probability sampling, kemudian data di proses dengan menggunakan metode analisis regresi berganda. Hasil penelitian ini menunjukan bahwa pemahaman agama (X1) dan pendapatan (X2) berpengaruh positif dan signifikan terhadap kepatuhan membayar zakat mal (Y) secara parsial dan simultan.

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