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التورق وتطبيقاته في المصارف الإسلامية Administrator, Journal
AL-MASHALIH (Journal of Islamic Law) Vol. 1 No. 1 (2018): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

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Abstract

التورق موضوع من موضوعات المصرفية الإسلامية الأكثر دراسة في هذه الأيام؛ لأنه من الأدوات الأكثر فعالية للتمويل في البنوك الإسلامية، وأنه يضمن استمرار تعامل المودعين معها، وتوفير السيولة المالية التي تعد قوام البنوك، ويؤدي كذلك إلى استقطاب مدخرات الناس فيها، فيؤدي إلى القيام بالتمويل للمشروعات المختلفة. كما أنه موضوع تكلم فيه كثير من العلماء، خصوصا عند تطبيقه في المصارف الإسلامية، فاختلفوا في حكمه، فمنهم من جوزه بناء على حل البيع المبني على التراضي، ومنهم من اشترط شروطا لقبوله، ومنهم من حرمه باعتباره تحايلا من المصارف الإسلامية على الربا المجمع على تحريمه. وهذا البحث محاولة لدراسة التورق ومجالات تطبيقاته في المصارف الإسلامية. ومن نتائج هذا البحث (1) هو أن يشتري المرء السلعة بالنسيئة، ثم يبيعها لغير بائعها نقدا بأقل مما اشتراها به، ليحصل بذلك على النقد. (2) التورق مطبق في المصارف الإسلامية باسم التورق أو مرابحة السلع أو غيرها. (3) هو الجواز والمشروعية بالشروط، وهي أن لا يشبه الربا، وأن تكون السلعة موجودة مقبوضة قبضا حقيقيا أوحكميا، وأن يتمكن من استلامها، وأن يكون فيه أطراف ثلاثة على الأقل؛ وعدم التواطؤ بينهم. وهذا صعب في تطبيقه في المصارف الإسلامية، ولابد من الإشراف التطبيقي الميدانى من قبل الهيئة الشرعية.
TAHALUF SIYASI DALAM PERSPEKTIF HUKUM ISLAM: Analisa Terhadap Kerjasama Politik Partai Islam di Malaysia Administrator, Journal
AL-MASHALIH (Journal of Islamic Law) Vol. 1 No. 1 (2018): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

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This article aims to analyse the practical of tahaluf siyasi wich conducted by Islamic parties in Malaysia. Three main parties are studied in this article i.e. Partai Islam seMalaysia (PAS), Partai Amanah Negara (AMANAH) and The United Malays National Organization (UMNO). The main objective of this article is to study the concept of tahaluf siyasi in Islam and to assess whether political aliance which held by the three parties is appropriate with Islamic teaching. This study uses the library research and analysis content methods. The library reseacrh was used to obtain secondary data, while content analysis was used to analyse data. The result shows that the concept of tahaluf siyasi has appear in Islamic teaching even has practiced by Muslim since The Prophet Muhammad p.b.h era. The political aliance that hold by Islamic parties in Malaysia was not contradict with the concept of tahaluf siyasi in Islam. This political aliance model is good to be continued and emulated by another Islamic parties at another countries.
PERSEPSI MASYARAKAT TENTANG BANK SYARI’AH: Studi Kasus Di Kelurahan Jatijajar, Tapos, Depok Jawa Barat Administrator, Journal
AL-MASHALIH (Journal of Islamic Law) Vol. 1 No. 1 (2018): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

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This study aims to determine how much knowledge in Jatijajar urban village about syari'ah banks from teachers, students to housewives. In this study the authors used interviews and questionnaires that distributed to 20 respondents, which are classified from various professions such as: teachers, housewives, village cadres, students. Collected data is primary and respondents datas that collected by interviews and distribute questionnaire in the form of notes and documents. The researcher finds the factors that influence the public perception of the Sharia Bank, including: (1) the circumstances surrounding the person and the information he or she receives from time to time, (2) the level of prior knowledge and experience that he possesses, and (3) the ability sense and feelings in describing things.
PENERAPAN FATWA DEWAN SYARIAH NASIONAL NO 17 DAN N0 43 PADA SISTEM MURABAHAH: Studi kasus pada Koperasi Syariah Huwaiza di Pancoran Mas Depok Administrator, Journal
AL-MASHALIH (Journal of Islamic Law) Vol. 1 No. 1 (2018): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

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Abstract

This study aims to determine whether the technical implementation of sanctions against customers capable of procrastinating payments on Shari'ah Huwaiza Cooperative is in accordance with the fatwa of the Council of Sharia Indonesia Ulema Council, as well as know what are the losses that result in financial cooperatives. The study used descriptive analysis as a reference material so that we can convey our research results by describing in the form of writing taken from interviews and data. The researchers found that sanctions in the form of infak were imposed on customers who defaulted, and shariah financial institutions will give a grace period for those who are late in paying their obligations. And will do the rescheduling against them with the agreed time. The system of control they are doing is the approach to the community to find out what makes them late in payments. And by way of coming to their house intensively, there is also a warning letter gradually ranging from warnings to the decision to sell collateral, or by building a new contract.
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