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All Journal IQTISHODUNA Kodifikasia: Jurnal Penelitian Islam IJTIHAD Islamic Ecomonics Journal An-Nuha : Jurnal Kajian Islam, Pendidikan, Budaya Dan Sosial MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Al-Iktisab: Journal of Islamic Economic Law Syariah: Jurnal Hukum dan Pemikiran TSAQAFAH JESI (Jurnal Ekonomi Syariah Indonesia) Journal of Economicate Studies Al Ahkam Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam EkBis: Jurnal Ekonomi dan Bisnis El-Ghiroh : Jurnal Studi Keislaman Jurnal Hukum Ekonomi Syariah AT-TASYRI' Jurnal Ilmiah Prodi Muamalah JOURNAL OF INDONESIAN COMPARATIVE OF SYARIAH LAW MUAMALATUNA Prosiding Conference on Research and Community Services Journal of Islamic Economics and Finance Studies Jurnal Aksi Afirmasi: Jurnal Pengabdian kepada Masyarakat At-Tasyri Jurnal Hukum Islam dan Ekonomi Syariah Jurnal Iqtishaduna: Economic Doctrine Journal of Islamic Banking Proceedings Series on Social Sciences & Humanities Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Ta’wiluna: Jurnal Ilmu Al-Qur’an,Tafsirdan Pemikiran Islam Al Hikmah : Jurnal Studi Keislaman Wadiah : Jurnal Perbankan Syariah Alhamra Jurnal Studi Islam Sustainability (STPP) Theory, Practice and Policy Journal of Islamic Economics Lariba Muslim Heritage An Nafah: Jurnal Pengabdian Masyarakat Palangka Law Review Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah International Journal of Islamic Business and Economics (IJIBEC) Jurnal Pengabdian Masyarakat (Z-COVIS)
Devid Frastiawan Amir Sup
Universitas Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Social Sciences Other

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The Law Concept of Sharia Banking Compliance on Murabaha Financing in Indonesia Ghozali, Mohammad; Sup, Devid Frastiawan Amir; Prastyaningsih, Ika; Adan, Hasanuddin Yusuf
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 8, No 3 (2024): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v8i3.11313

Abstract

Submission to sharia is a fundamental factor which discriminates sharia banking from the conventional one. Therefore, sharia banking as intermediating institution and provider of financial services which base their operation on Islamic sharia values have to ensure their compliance towards sharia principles. Besides, sharia banking applies profit sharing principle as the main foundation in fund collection, fund distribution, and financing. A product dominating and attracting customers the most is murabaha. This product still receives tough critics from scientists, though, so that this research aims at investigating sharia banking compliance on murabaha financing viewed from the perspective of fatwa from DSN-MUI. This research applies qualitative design with normative approach (DSN-MUI fatwa). The result of the study shows that murabaha contract in Indonesian sharia banking must fulfill sharia compliance stated in the Qur’an, Sunnah, Regulation of Bank of Indonesia, and DSN-MUI fatwa.
Pendampingan Digitalisasi Produk Peternakan Ayam Petelur Lahuri, Setiawan Bin; Sup, Devid Frastiawan Amir; Hibatullah, Lutfhi Ilham; Maylaffasya, Ghiyatska Shairafi; Khamid, Mohammad Abdul; Winarno, Rivaniansyah Siacahyo; Yahya, Ahmad; Putra, Rafif Mulana; Tajudin, Hafidh; Nawawi, Barkaa Alhudaebi; Rizky, Al Dihan Fiery; Handoko, Gesang Dwi
Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Vol. 5 No. 1 (2024): JPMD
Publisher : LP3M IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/jpmd.v5i1.1314

Abstract

In this era full of digitalization, there are still some business actors who still use traditional marketing techniques, where these techniques have a very tight level of competition with modern marketing techniques using digital media, so that if a business actor is unable or fails to compete with other business actors, it will cause them to be slowly eliminated from the market. This also happened to our partner, namely UD. Fajar Mulya. Although currently competition in the chicken egg market is not as fierce as in the vegetable market, it does not rule out the possibility that something similar will happen one day. The method used is the assistancing method, refer to approaches or strategies used to provide guidance, support, and assistance to UD. Fajar Mulya in achieving goals or overcoming problems in the form of digitizing laying chicken farming products. The results obtained after assistancing, currently UD. Fajar Mulya has a logo, print media (banners), social media, profile videos, and geographical indications. This assistance is carried out because, even though a business sector has great potential, if it cannot keep up with current developments, it is possible that it will lose out to other competitors.
Waqf in the Perspective of Waqf Rules in Indonesia Hartanto, Selamet; Retnowati, May Shinta; Sup, Devid Frastiawan Amir
AL- IKTISAB Journal of Islamic Economic Law Vol 5 No 1 (2021)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i1.6203

Abstract

For Muslims in Indonesia, the basic concept of waqf in Islam is very well understood, and more than that, if examined further, there will be many waqf assets in Indonesia. In the perspective of a country, it is necessary to implement regulations, including Waqf Law (Law), Government Regulation (PP) on Waqf, Regulation of the Indonesian Waqf Board (BWI), and Regulation of the Minister of Religion (PMA). This study aims to explain waqf from the perspective of waqf rules in Indonesia. This research uses qualitative-descriptive-literature methods. The conclusion is that the existing waqf rules that apply in Indonesia aim to maintain the existence of waqf to always be in accordance with the basic concept of waqf in Islam. In addition, this rule also serves as the basis for the legal protection of legality of waqf in Indonesia.
Sharia Economic Views on Tabzir Behavior Sukoco, Daud; Retnowati, May Shinta; Rofiqa, Azidni; Firdaus, Muhammad Irkham; Sup, Devid Frastiawan Amir
AL- IKTISAB Journal of Islamic Economic Law Vol 5 No 2 (2021)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v5i2.7032

Abstract

Tabzir behavior is a form of deviation in economic behavior, especially consumption. The purpose of this study is to describe the concept of tabzir in Islamic economic studies and to provide an ideal behavioral offer for consumer behavior. The research method used is qualitative-descriptive-library. Data were collected by documentation method, then processed by data editing and compilation method. Next, the analysis process was carried out by deduction method using the concept of tabzir in Islamic economic studies. Conclusions drawn from this study. First, tabzir behavior is a form of malpractice and deviation in economic behavior, especially in consumption. Second, the law of tabzir behavior for certain definitions is haram. Third, the wisdom avoid of  tabzir behavior is to build an awareness of collective solidarity, avoid debt, disorientation of  life  loss of critical power and economic education. The social concept about consumption based on sharia is a  social care which concern on tauhid  and love for fellow human beings, thus forming a just and civilized society.
Rethinking the Paradigm of Islamic Banking: Integrated of Commercial and Social Oriented Aisyah, Siti; Ismail, Nurizal; Sulaiman, Ibrahim Fahad; Cahyo, Eko Nur; Sup, Devid Frastiawan Amir
AL- IKTISAB Journal of Islamic Economic Law Vol 6 No 2 (2022)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v6i2.8844

Abstract

••• English ••• The recent appraisal of Islamic Banking and Finance (IBF) development has focused on the interest based banking system. Banks role and function have been retained to create sharia compliant instruments to replace conventional banks interest based instruments. Another issue is the objective of Islamic banking to contribute to social obligation despite profit maximization. In this context, IBF institutions have been involved in debt financing oriented transactions such as murabahah instead of musyarakah and mudharabah, as they are more profitable. This research attempts to clarify Islamic banking's objective derived from Muslim scholars views and how it complies with sharia. Thus, it is necessary to rethink the paradigm of IBF that is in line with pure Islamic economics, whereas conventional banking has been shifting toward social banking. The methodology used is qualitative-descriptive-literature. The result is, several applied integrated models in IBFs, such as Social Islamic Bank Limited (SIBL), have offered Mudaraba Waqf Cash Deposit Account (MWCDA). Then sadaqa house is provided by Bank Islam Malaysia Berhad (BIMB), an integrated institution model in which Islamic banking can cooperate with other Islamic social finance such as waqf institutions in Indonesia. Finally, the research finding argues that Islamic banking's paradigm is to promote the ummah's maslahat by integrating commercial and social aspects into its operational and objective. ••• Indonesian ••• Penilaian perkembangan Islamic Banking and Finance (IBF) baru-baru ini berfokus pada sistem perbankan berbasis bunga. Peran dan fungsi bank tetap dipertahankan untuk menciptakan instrumen yang sesuai dengan syariah untuk menggantikan instrumen berbasis bunga bank konvensional. Isu lain adalah tujuan perbankan syariah untuk berkontribusi pada kewajiban sosial selain juga keuntungan maksimal. Dalam konteks ini, lembaga IBF telah terlibat dalam transaksi yang berorientasi pembiayaan hutang seperti murabahah daripada musyarakah dan mudharabah, karena lebih menguntungkan. Penelitian ini mencoba mengklarifikasi tujuan perbankan syariah yang berasal dari pandangan cendekiawan Muslim dan bagaimana kepatuhannya terhadap syariah. Dengan demikian, perlu dipikirkan kembali paradigma IBF yang sejalan dengan ekonomi Islam murni, padahal perbankan konvensional sudah bergeser ke arah social banking. Metodologi yang digunakan adalah kualitatif-deskriptif-literatur. Hasilnya, beberapa model terintegrasi yang diterapkan di IBF, seperti Social Islamic Bank Limited (SIBL), telah menawarkan Mudharabah Waqf Cash Deposit Account (MWCDA). Kemudian, rumah sedekah disediakan oleh Bank Islam Malaysia Berhad (BIMB), sebuah model lembaga terpadu dimana perbankan syariah dapat bekerja sama dengan keuangan sosial Islam lainnya seperti lembaga wakaf di Indonesia. Akhirnya, temuan penelitian ini berpendapat bahwa paradigma perbankan syariah adalah mempromosikan kemaslahatan umat dengan mengintegrasikan aspek komersial dan sosial ke dalam operasional dan tujuannya.
Praktik Kerjasama Usaha dalam Perspektif Musyarakah Sup, Devid Frastiawan Amir; Masruri, Achmad Hasyim
Al Hikmah: Jurnal Studi Keislaman Vol. 13 No. 01 (2023): AL HIKMAH
Publisher : Institut Agama Islam Al-Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/hjsk.v13i01.4027

Abstract

Abstract, Musyarakah is the concept of cooperation in an economic business based on sharia principles, which in this case uses a profit-sharing system, where profits and losses are share. There is a practice of collaboration with the name Pawon Emak As_Na with a business in the form of intestinal chips. This cooperation is carried out by two people. The two people agreed to collect capital to set up a business and the implementation of the business was carried out jointly, from the production process to marketing. This research aims to find out the mechanism of cooperative practice in the intestinal chips business at Pawon Emak As_Na and how this cooperation is practiced from a musyarakah perspective. This research is a qualitative research, descriptive, field research. The results of this research are that the mechanism of business cooperation practices at Pawon Emak As_Na is carried out by two people with the same portion of capital. Both of them are running their business, be it the search for raw materials, the production process, to marketing. The cooperation agreement is made verbally. Their principle is mutual trust because they already understand the character of each party. Then the practice of cooperating with intestinal chips at Pawon Emak As_Na in the musyarakah perspective is included in the uqud musyarakah, namely syirkah mufawadhah. The pillars and conditions of the musyarakah contract have been fulfilled, but ijab and qabul of their business cooperation are not strong, because the agreement has not been written so that if a conflict arises it can be denied by one of the parties. Keywords: Cooperation; Business; Musyarakah
Implementasi Akad Syariah Dalam Surat Perjanjian Pada Produk KPR Syariah IB Hebat Di BPRS Dana Amanah Surakarta Amir , Devid Frastiawan; Firdaus, Muhammad Irkham; Bilhaq, Aqil Mu'tasim
At-Tasyri': Jurnal Hukum dan Ekonomi Syariah Vol. 5 No. 01 (2024)
Publisher : Fakultas Syari'ah Institut Agama Islam Riyadlatul Mujahidin Ngabar (IAIRM) Ponorogo.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55380/tasyri.v5i01.619

Abstract

BPRS Dana Amanah Surakarta is the second BPRS in Surakarta. The need for housing is a primary need and until now houses are still a rarity for most Indonesian people. Not everyone can afford to buy a house in cash. In connection with the collaboration between BPRS Dana Amanah Surakarta and PT Sarana Multigriya Finansial (Persero) as a secondary housing finance company, and in order to realize the community's need for home ownership, BPRS Dana Amanah Surakarta issued KPR Syariah iB Hebat product. Sharia Mortgage (KPR) is a type of service provided by BPRS to customers to obtain housing loan financing based on a sharia contract. This research aims to describe the implementation of sharia contract in the letter of agreement on KPR Syariah iB Hebat products at BPRS Dana Amanah Surakarta. This research used a qualitative approach, descriptive, field research. The results obtained, the implementation of contract agreements in BPRS must pay attention to legal aspects and positive legal regulations which have a very important position so that they can provide legal basis and prevent risks that have an impact on BPRS, on the other side, sharia principles must also be considered in implementing these agreements. The contract used in the KPR Syariah iB Hebat product at BPRS Dana Amanah Surakarta is a murabahah contract (Fatwa DSN-MUI No: 04/DSN-MUI/IV/2000 concerning Murabahah), istishna’ parallel (Fatwa DSN-MUI No: 22/DSN-MUI/III/2002 concerning Sale and Purchase of Istishna’ Parallel), and musyarakah mutanaqishah (Fatwa DSN-MUI No: 73/DSN-MUI/XI/2008 concerning Musyarakah Mutanaqishah). The provisions listed in the Fatwa DSN-MUI are then compiled into a letter of agreement, namely the letter of agreement that used murabahah without wakalah contract, murabahah bil wakalah contract, istishna’ paralel contract, and musyarakah mutanaqishah contract.
Pengaruh Kualitas Layanan Terhadap Kepuasan Nasabah Pada Produk BSI Tabungan Easy Wadiah Sup, Devid Frastiawan Amir; Sabaruddin
WADIAH Vol. 8 No. 2 (2024): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v8i2.1440

Abstract

Banks in their development will always face very competitive situations. It is important for banks to be able to achieve competitive advantage, one thing banks can do is to develop service quality. Banks must do several things that can bind customers' hearts to remain loyal to the bank, so the services provided by the bank must be right on target, so that customer satisfaction becomes an important part of maintaining customer loyalty to the bank. This research aims to measure the influence of service quality on customer satisfaction with the BSI Easy Wadiah Savings product, at Bank Syariah Indonesia KCP Magelang Muntilan, Central Java. The method used in this research is a quantitative method, using SPSS software analysis tools. There are two variables used in this research, namely the independent variable Service Quality (X) and the dependent variable Customer Satisfaction (Y). The results obtained from this research are that there is a positive and significant influence between service quality and customer satisfaction. If service quality increases, customer satisfaction will also be higher. This is proven by the results of the t test analysis which shows the calculated t is 19.213 with a significance level of 0.01.
Legal Opinion Dalam Perspektif Hukum Islam Firdaus, Muhammad Irkham; Sup, Devid Frastiawan Amir
El-Ghiroh : Jurnal Studi Keislaman Vol 21 No 1 (2023): Maret 2023
Publisher : Sekolah Tinggi Agama Islam (STAI) Bumi Silampari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37092/el-ghiroh.v21i1.360

Abstract

Legal opinion mempunyai peranan penting dalam siklus hukum yang berlaku di sebuah negara. Di sisi lain, adanya legal opinion tidak menjadi jaminan bagi klien untuk bisa menang pada sengketa hukum di pengadilan, karena legal opinion berfungsi sebagai doktrin bagi hakim dalam memberikan keputusan dalam sebuah perkara, artinya dapat pula menjadi pertimbangan hakim dalam memberi keputusannya. Penelitian ini bertujuan untuk mendeskripsikan perspektif hukum Islam terhadap argumentasi atau pendapat para ahli hukum tentang masalah hukum, atau sebagai bentuk pendapat hukum yang membantu hakim dalam mengeluarkan putusan atas suatu perkara. Metodologi yang digunakan adalah kualitatif deskriptif kepustakaan. Hasil yang didapat adalah legal opinion dalam Islam telah dikenal sejak dulu, karena banyak ahli-ahli hukum Islam yang ber-ijtihad untuk dapat memberikan pendapat hukum pada sebuah perkara yang kemungkinan secara tekstual tidak tertulis dalam al-Quran dan Hadis, sehingga para ulama berusaha untuk menafsirkannya guna menemukan hukum yang sesuai dengan perkara tersebut. Ijtihad merupakan bentuk dari sebuah kebebasan berpikir yang dapat dilakukan oleh ulama, artinya seorang ulama dapat menetapkan dan mengemukakan pemikirannya dengan berlandaskan pada al-Qur’an dan Hadis.
Analisis Hukum Islam Terhadap Pemanfaatan Dana Hasil Denda Sanksi Kredit Macet (Studi Kasus di PT Pegadaian Syariah Unit Madiun) Firdaus, Muhammad Irkham; Elsyafa, Thoriq Izza; Retnowati, May Shinta; Sup, Devid Frastiawan Amir
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 14 No. 2 (2022): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v14i2.1218

Abstract

Mayoritas lembaga keuangan tidak menyeleksi dengan baik dalam menentukan calon nasabah yang ingin melakukan pembiayaan sehingga terjadi kredit macet. Pada PT Pegadaian Syariah Unit Madiun terdapat beberapa nasabah yang kreditnya macet sehingga diberi kebijakan berupa sanksi denda. Penelitian ini bertujuan untuk mendeskripsikan analisis hukum Islam terhadap pemanfaatan dana hasil denda sanksi kredit macet pada PT Pegadaian Syariah Unit Madiun. Metode penelitian yang digunakan adalah deskriptif kualitatif lapangan. Hasil penelitian ini menunjukkan bahwa nasabah yang pembayaran kreditnya macet, sebagaimana akad di awal, dikenakan denda sejumlah 4% per bulan dibagi 30 per hari dan tidak bertambah setiap bulan. PT Pegadaian Syariah Unit Madiun mengalokasikan dana yang berasal dari denda sanksi tersebut ke dalam ganti rugi kredit macet pada pembiayaan tersebut, sedangkan dalam Fatwa DSN-MUI dana hasil denda dari kredit macet harus dialokasikan ke dalam dana sosial, sehingga hukumnya adalah dilarang memanfaatkan dana hasil denda sanksi kredit macet. Hal ini juga diperkuat dengan sanksi kredit macet di PT Pegadaian Syariah Unit Madiun yang masih bersifat umum diberlakukan untuk semua nasabah, bukan hanya bagi yang mampu dan menunda-nunda pembayaran, namun nasabah yang belum mampu untuk membayar juga terkena sanksi sehingga merasa terbebani.
Co-Authors Abdul, Muhammad Abdullah Chamber Abdurrahman , Hujjatul Islam Musthafa Achmad Michael Adi Putra Ahmad Yahya Akhmad Affandi Mahfudz Al Maskuri, M. Mava Saputra Annas Syams Rizal Fahmi Aqil Mu’tashim Bilhaq Arif Dian Santoso Azidni Rofiqa Bilhaq, Aqil Mu'tasim Bilhaq, Aqil Mutashim Bilhaq, Aqil Mu’tashim Choir, Muhammad Iqbal Daud Sukoco Eko Nur Cahyo Elsyafa, Thoriq Izza Fadhila Sukur Indra Faridl Noor Hilal Fatahna Fathan Mubina Fathurrohman, Robby Handoko, Gesang Dwi Hasanuddin Yusuf Adan Hibatullah, Lutfhi Ilham Ibnu Yaqzan Qurany Ibrahim Fahad Sulaiman Ifandi Suhendi Imam Kamaluddin Imam Kamaluddin Iman Nur Hidayat Izzatullah, Faiz Jafar, Abdul Khamid, Mohammad Abdul Khoirul Umam Lathiif Chandra Septian Lucky Adha Febrian Masruri, Achmad Hasyim Maylaffasya, Ghiyatska Shairafi Meitria Cahyani Milenia Ayu Saraswati Mohammad Ghozali Mohammad Ghozali, Mohammad Mohammad Syifaurrosyidin Muhammad Abdul Aziz Muhammad Abdul Aziz Muhammad Haidar Muhammad Halimul Umam Muhammad Irkham Firdaus Muhammad Syamsul Arifin, Muhammad Syamsul Munir, Muhammad Hadi Wijaya Namira Muthia Rosalina Nawawi, Barkaa Alhudaebi Nur Ihsan Nurizal Ismail Nurizal Ismail Nurizal Ismail Prastyaningsih, Ika Putra, Rafif Mulana Putri, Sri Firda Rahmi Aliya Rachmawati, Andini Ramadhan, Excel Abu Ramadhan, Naufal Azmi Retnowati, May Shinta Reyhan, Muhammad Rizky, Al Dihan Fiery Rofiqa, Azidni Rokhmat Muttaqin Sabaruddin Sahira Sajjadia Luthia Sahputra, Jaya Saipul Nasution Saleh, Muhammad Aunurrochim Bin Mas'ad Savier Nayaka Gunawardana Sa’diah, Zulfatus Selamet Hartanto Selamet Hartanto Setiaji, Izzuddien Setiawan Bin Lahuri Shinta, May Siti Aisyah Siti Aisyah Siti Aisyah Sulaiman, Ibrahim Fahad Sup, Amir SYAMSURI Tajudin, Hafidh Tegas Bijaksana Wildan Hakim, Wildan Winarno, Rivaniansyah Siacahyo Yeni Zannuba Arifah Zannuba, Yeni Zulfatus Sa’diah