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EKSISTENSI KEDUDUKAN FATWA DSN MUI TERHADAP KEBERLANGSUNGAN OPERASIONAL BISNIS DI LEMBAGA KEUANGAN SYARIAH Nurjaman, Muhamad Izazi; Ayu, Dena
AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol 9 No 2 (2021): Juli 2021
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/al iqtishod.v9i2.245

Penelitian ini membahas tentang eksistensi kedudukan fatwa DSN MUI terhadap keberlangsungan operasional bisnis di lembaga keuangan syariah. Dengan menggunakan metode penelitian deskriptif yang bersifat kepustakaan, penelitian ini menemukan fakta bahwa kedudukan fatwa DSN MUI menjadi salah satu prasyarat dalam menentukan ketetapan suatu produk di lembaga keuangan syariah. Ketika produk yang di ajukan oleh DPS masing-masing lembaga keuangan syariah mendapatkan ketentuan fatwa dari DSN MUI. Maka produk perbankan syariah itu telah sesuai dengan tuntunan syariat Islam serta ketentuan fatwa tersebut menjadi payung hukum dalam menjalankan produk yang menjadi daya tarik bagi para nasabah. Apalagi sampai dilegitimasi oleh undang-undang maupun Peraturan Bank Indonesia. Sehingga fatwa DSN MUI tersebut mejadi ketentuan hukum yang mengikat bagi seluruh lembaga keuangan syariah. Dengan demikian, ketentuan fatwa tersebut secara tidak langsung menjadi salah satu faktor yang menentukan keberlangsungan segala operasional bisnis di lembaga keuangan syariah yang memiliki manfaat dan keberkahan bagi semua pihak yang menjalankannya, baik itu bagi LKS sebagai otoritas yang memiliki penawaran produk maupun bagi nasabah sebagai pemakai produk

EKSISTENSI KEDUDUKAN FATWA DSN MUI TERHADAP KEBERLANGSUNGAN OPERASIONAL BISNIS DI LEMBAGA KEUANGAN SYARIAH Nurjaman, Muhamad Izazi; Ayu, Dena
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol 9 No 2 (2021): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v9i2.245

Penelitian ini membahas tentang eksistensi kedudukan fatwa DSN MUI terhadap keberlangsungan operasional bisnis di lembaga keuangan syariah. Dengan menggunakan metode penelitian deskriptif yang bersifat kepustakaan, penelitian ini menemukan fakta bahwa kedudukan fatwa DSN MUI menjadi salah satu prasyarat dalam menentukan ketetapan suatu produk di lembaga keuangan syariah. Ketika produk yang di ajukan oleh DPS masing-masing lembaga keuangan syariah mendapatkan ketentuan fatwa dari DSN MUI. Maka produk perbankan syariah itu telah sesuai dengan tuntunan syariat Islam serta ketentuan fatwa tersebut menjadi payung hukum dalam menjalankan produk yang menjadi daya tarik bagi para nasabah. Apalagi sampai dilegitimasi oleh undang-undang maupun Peraturan Bank Indonesia. Sehingga fatwa DSN MUI tersebut mejadi ketentuan hukum yang mengikat bagi seluruh lembaga keuangan syariah. Dengan demikian, ketentuan fatwa tersebut secara tidak langsung menjadi salah satu faktor yang menentukan keberlangsungan segala operasional bisnis di lembaga keuangan syariah yang memiliki manfaat dan keberkahan bagi semua pihak yang menjalankannya, baik itu bagi LKS sebagai otoritas yang memiliki penawaran produk maupun bagi nasabah sebagai pemakai produk

Praktik Riba Dan Bunga Bank: Telaah Etika Dalam Ekonomi Islam Nurjaman, Muhamad Izazi; Anwar, Syahrul
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol 10 No 1 (2022): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v10i1.296

Kedudukan etika dalam sistem ekonomi Islam merupakan satu kesatuan yang tidak dapat dipisahkan sebagai indikator suatu bisnis dapat dilakukan berdasarkan prinsip ekonomi Islam. Salah satu perilaku bisnis yang tidak sesuai dengan etika ekonomi Islam adalah praktik riba. Sehingga Allah SWT mengharamkan praktik tersebut secara mutlak. Namun dalam perkembangnnya, terdapat konsep bunga bank yang memiliki kriteria yang sama dengan konsep riba. Sehingga terjadi gejolak pemikiran di antara para ulama cendekiawan muslim yang melahirkan perbedaan ketetapan hukum yang berakibat kepada kedudukan etika bisnis dalam praktik suku bunga tersebut. Artikel ini menggunakan metode deskriptif yang bersifat kepuastakaan. Sehingga literatur pustaka menjadi sumber data primernya. Adapun jenis penelitian ini termasuk kedalam bentuk penelitian kualitatif dengan sebuah teknis analisis data yang memberikan sebuah kesimpulan dalam bentuk fakta dan keterangan. Hasil penelitian ini mengungkapkan fakta bahwa kedudukan praktik riba yang diharamkan mengandung unsur kedzaliman dan ketidakseimbangan norma hukum dalam bisnis. Adapun berkaitan dengan penerapan etika terhadap bunga bank didasarkan kepada pandangan ulama terkait kedudukan bunga bank sama atau tidak kedudukannya dengan konsep riba. Namun dalam perkembangannya, kedudukan konsep bunga bank dapat digantikan dengan konsep bagi hasil dengan keberanekaragaman akadnya, sehingga memberikan kepastian hukum dan kemaslahatan terhadap kegiatan bisnis yang selalu memperhatikan etika ekonomi Islam dalam penerapannya.

Re-Reading Al-Uqud Al-Murakkabah: Types and Models of Hybrid Contracts Concept in Fatwa DSN-MUI Pitriani, Pitriani; Witro, Doli; Nurjaman, Muhamad Izazi; Hibaturohman, Iib; Sidqi, Imaro
Khazanah Hukum Vol 6, No 2 (2024): Khazanah Hukum Vol 6, No 2 August (2024)
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/kh.v6i2.34717

The aims of this research is to clarify the type of multi-contract used by National Sharia Council-Indonesian Ulama Council (DSN-MUI) in its product innovation, so that the multi-contract concept used is a multi-contract concept that is in accordance with sharia rules and principles. This research is sharia economic law research that uses descriptive literature research methods. This research uses a normative juridical approach. The primary data used in this research is the DSN-MUI Fatwa which is related to the concept of hybrid contracts in the innovation of sharia banking products. Meanwhile, Secondary data sources include various sources of literature such as laws, scientific articles, books, and others. The data analysis technique used was the cumulative data analysis technique of Miles et al., namely data condensation, data presentation, and drawing conclusions. This study found that so far, the DSN-MUI has used the type of multi-contract for similar contracts (a combination of muawadhat contracts) and also non-similar contracts (a combination of muawadhat contracts and tabarru’ contracts) provided that there is a separation of agreement documents to avoid usury schemes for the use of these contract combinations and income (both margins, ujrah, and profit sharing) is obtained from the use of muawadhat contracts. This non-similar contract combination scheme is confirmed in the Fatwa on the Income of Islamic Financial Institutions (LKS) During the Construction Period (Fatwa No. 142 of 2021), namely Al- Uqud al-Murakkabah al-Muta’addidah. Meanwhile, the hybrid contracts scheme for similar contracts uses the Al-Uqud al-Murakkabah al-Mutajanisah hybrid contracts scheme

Subjek Hukum dan Objek Hukum: Sebuah Tinjauan Hukum Islam, Pidana dan Perdata Witro, Doli; Rasidin, Mhd.; Nurjaman, Muhamad Izazi
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol 6 No 1 (2021): Asy-Syar'iyyah Juni 2021
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v6i1.1611

When discussing syara’ law, it is always bound by four things, namely al-Hakim, law, mahkumalaih, and mahkumfih. In various legal studies, there are various views in determining that a person can be subject to law, or in other words, capable of law. In essence, everyone is a good bearer, that is, someone who has rights and obligations. Rights bearers are also known as legal subjects. The term legal subject in the discipline of Islamic law is mentioned as mahkumalaih. If there is a legal subject, it will always go hand in hand with a legal object. In the discipline of Islamic law, the object of the law is also called mahkumfih. This article aims to discuss mahkumalaih and mahkumfih in the discipline of Islamic law. The study uses a qualitative approach that is a literature review. The materials for this article were obtained from books, journals, and internet websites related, namely mahkumalaih, and mahkumfih. The data analysis techniques used were data presentation, data reduction, and conclusion drawing. The findings showed that mahkumfih is a legal object or is interpreted as an act of mukallaf based on Allah and the Prophet’s command. In the discussion of legal objects, it cannot be separated from the legal subject. In ushulfiqh the subject of law is called mahkumalaih.

ANALYSIS OF INVESTOR BEHAVIOR IN THE ETHICAL REVIEW OF SHARIA ECONOMIC LAW Mubarok, Anas Bayan; Nurjaman, Muhamad Izazi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v6i1.2803

This research aims to analyze investor behavior in reviewing the ethics of sharia economic law. This research includes library research using descriptive analytical research methods with a qualitative approach. The data analysis technique is carried out in three stages, namely data reduction, data presentation and conclusions. The results of this research reveal that in securities trading on the Sharia Capital Market it is still possible for behavior or actions to occur that violate professional ethics and existing rules. The two main actors who play a role in securities trading practices in the Sharia Capital Market are the behavior of issuers and investors. There are several deviant activities in securities trading practices in the Sharia Capital Market, namely: first, Fraud, this fraudulent act can include the behavior of Misleading information, Pooling interest, and Alternate trade. Second, market manipulation, including the practice of: Wash sale, Pre-arrange trade, Pump and Dump, Hype and Dump, Creting fake demand/supply), Cornering, and Marking at the close. Third, the use of insiders can be in the form of insider trading and front running. Some of these investors' behavior is not in accordance with the ethics of the sharia economics profession which can lead to unhealthy sharia capital market business behavior.

Teori Legal Realism: Konsep dan Eksistensinya dalam Hukum Ekonomi Syariah Di Indonesia Nurjaman, muhamad Izazi; Mubarok, Anas Bayan; Rusyana, Ayi Yunus; Bisri, Hasan
Al Mashalih - Journal of Islamic Law Vol. 4 No. 2 (2023): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v4i2.210

Tujuan dari artikel ini untuk membahas konsep teori legal realism serta keberadaanya dalam hukum ekonomi syariah Indonesia. Metode yang digunakan dalam artikel ini adalah metode deskriptif analisis dengan pendekatan kualitatif. Hasil dari penelitian ini adalah: pertama, bahwa legal realism adalah suatu teori yang meyakini bahwa hukum adalah sesuatu yang benar-benar nyata dilakukan, bukan hanya sekumpulan aturan yang termuat dalam undang-undang tapi tidak dilaksanakan. Legal realism memandang hukum sebagai putusan pengadilan, menjadikan realitas sebagai pijakan dalam membentuk hukum, tidak mengakui adanya konsepsi hukum yang bersifat metafisik atau dalam logika. Ada dua aliran legal realism, yakni American Legal Realism dan Skandinavian Legal Realism, keduanya menganut faham legal realism. Kedua, teori legal realism ini memiliki beberapa keselarasan dengan hukum Islam dan juga ditemukan eksistensinya dalam hukum ekonomi syariah Indonesia. Salah satunya adalah dalam penetapan fatwa-fatwa hukum ekonomi syariah yang menjadikan realitas sosial masyarakat sebagai pertimbangan dalam menentukan aturan.

Law of Usury (RIBA) According to Masyarakat Tanpa Riba (MTR): Perceptions, Attitudes, and Movements Al-Hakim, Sofian; Witro, Doli; Nurjaman, Muhamad Izazi
Asy-Syari'ah Vol 26, No 1 (2024): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v26i1.29639

Abstract: After the merger, three banks under State-Owned Enterprises (BUMN), namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, became Bank Syariah Indonesia (BSI), opening opportunities for the development of Islamic financial institutions in Indonesia. However, according to the Masyarakat Tanpa Riba (Society Without Riba) (MTR), Islamic banks are not much different from conventional banks (BK). Therefore, the focus of this article is the law of usury in the view of the MTR, which is seen in three aspects, namely, the perception, attitude, and movement of the MTR. This paper aims to determine the law of usury from the view of the MTR. This article uses a qualitative research method, which is field research. Data collection techniques used are observation, interviews, and documents. The data analysis technique in this paper uses data condensation, data presentation, and conclusion. The study results show that the MTR is an anti-usury community. MTR can be categorised as a textualist and rigid group (mutasyadidun). The rigid MTR method often implies that Islamic economic development is static and monolithic. The existence of the MTR will be productive if it is read not as a threat but as an auto-criticism against Sharia financial practices that are not yet perfect, highlighting the potential impact of the MTR's perspective on Islamic financial practices.

Talfiq In The Fatwa Of The National Sharia Council-Indonesian Ulema Council (DSN-MUI) Regarding Syirkah Mubarok, Anas Bayan; Al Hakim, Sofian; Nurjaman, Muhamad Izazi
JURNAL HUKUM EKONOMI SYARIAH Vol. 7 No. 2 (2024): Oktober
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v7i2.20789

This article discusses the ikhtilaf of Hanafiyah, Malikiyah Shafi'iyah and Hanabilah related to musharakah/shirkah and talfiq contracts in the determination of DSN-MUI fatwas on shirkah. The method used in this study is a descriptive method of analysis with a qualitative approach. The data sources used come from books, books, journals, the internet, theses and fatwas related to the shirkah contract. The results of the research in the article are: first, the DSN-MUI Fatwa on shirkah does not refer to one particular group of madhab scholars, but there are different opinions taken from one circle of scholars only there are opinions taken from the number of ulama and most of them come from jumhur. Secondly, it can be said that if there is talfiq in this fatwa about shirkah, the talfiq referred to here is to take some opinions from madzhab scholars in one qadliyah namely about shirkah. Â Â About the definition and determination of the profit ratio in shirkah taking the opinion of Hanafi scholars, as for the rukun of the death contract, opinions taking jumhur opinions other than Hanafi scholars, and about the type of shirkah more likely to use the opinions of jumhur ulama. Â Third, talfiq in this fatwa can be classified as talfiq which is allowed by some scholars, not talfiq which causes obscurity of shirkah law, not talfiq in playful motives and not necessarily just taking the easy.

Law of Usury (RIBA) According to Masyarakat Tanpa Riba (MTR): Perceptions, Attitudes, and Movements Al-Hakim, Sofian; Witro, Doli; Nurjaman, Muhamad Izazi
Asy-Syari'ah Vol. 26 No. 1 (2024): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v26i1.29639

Abstract: After the merger, three banks under State-Owned Enterprises (BUMN), namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, became Bank Syariah Indonesia (BSI), opening opportunities for the development of Islamic financial institutions in Indonesia. However, according to the Masyarakat Tanpa Riba (Society Without Riba) (MTR), Islamic banks are not much different from conventional banks (BK). Therefore, the focus of this article is the law of usury in the view of the MTR, which is seen in three aspects, namely, the perception, attitude, and movement of the MTR. This paper aims to determine the law of usury from the view of the MTR. This article uses a qualitative research method, which is field research. Data collection techniques used are observation, interviews, and documents. The data analysis technique in this paper uses data condensation, data presentation, and conclusion. The study results show that the MTR is an anti-usury community. MTR can be categorised as a textualist and rigid group (mutasyadidun). The rigid MTR method often implies that Islamic economic development is static and monolithic. The existence of the MTR will be productive if it is read not as a threat but as an auto-criticism against Sharia financial practices that are not yet perfect, highlighting the potential impact of the MTR's perspective on Islamic financial practices.

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