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All Journal Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Al-'Adalah Jurnal Asy-Syari'ah Jurnal Ilmiah Ekonomi Islam Jurnal Hukum Ekonomi Syariah Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam AL-MASHALIH (Journal of Islamic Law) Journal of Artificial Intelligence and Digital Business Al-'Aqdu: Journal of Islamic Economics Law AT-TIJARAH: Journal Islamic Banking and Finance Research Journal of Islamic Economic Laws Al-Infaq : Jurnal Ekonomi Islam Tawazun: Journal of Sharia Economic Law
Nurjaman, Muhamad Izazi
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Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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SHARIA ECONOMIC LAW PERSPECTIVE ON ONLINE MEETING PREMIUM ACCOUNT LEASING Nurjaman, Muhamad Izazi; Hakim, Sofian Al-; Setiawan, Iwan; Witro, Doli; Sahid, Mualimin Mochammad
Journal of Islamic Economic Laws Vol 5, No 2 July 2022
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v5i2.18750

Abstract

In general, in leasing, the object of the contract is the benefit of a tangible object. However, it is different from renting a Zoom Meeting Premium account whose position is as application software. So that its position will have benefits if its use has collaborated with hardware as hardware. Meanwhile, what is being rented is the software only. Therefore, this study will discuss the rental of Zoom Meeting Premium accounts according to the perspective of sharia economic law. This research uses a descriptive case study method with an empirical juridical approach. The data analysis technique was carried out through three stages namely data reduction, data presentation and conclusions. This study found that the position of Zoom Meeting is premium as a software application that is part of a computer program. At the same time, the computer program is part of the copyright in the form of intangible movable objects. So that there is the development of the object of the ijarah contract, generally in the form of benefits from tangible objects, which can also be in the form of benefits from intangible objects. However, the development of intangible objects as contract objects needs to be studied further by researchers so that they can be applied to all contract objects, such as intangible objects becoming objects of buying and selling contracts, mudharabah, musyarakah and other contracts.
Analysis of Buying, Selling, and Leasing Virtual Land in the Metaverse: A Perspective from Sharia Economic Law Nurjaman, Muhamad Izazi; Al-Hakim, Sofian; Setiawan, Iwan; Sahid, Mualimin Mochammad
Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Vol 6, No 1 (2022): Vol. 6, No. 1, October 2022
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jua.v6i1.22782

Abstract

This research aims to analyze the position of virtual land buying, selling, and leasing practices using cryptocurrency in the metaverse from the perspective of Islamic economic law. This study uses a descriptive analysis method with a normative juridical approach and data analysis techniques through three stages of analysis: focusing the data, presenting the data, and drawing conclusions. The research found that the practice of buying, selling, and leasing virtual land in the metaverse is permissible because it meets the conditions and pillars of a valid contract. The transactions carried out involve intangible assets, namely virtual land and cryptocurrency. In these transactions, there is an expansion of the object of the ijarah (lease) contract, which typically involves the benefit of tangible objects or assets but can also include the benefit of intangible objects or assets, provided that the intangible asset requires another object (a tangible object) or a process that enables the asset to have utility, thus fulfilling the purpose of the contract in accordance with the principles of muamalah maliyyah (financial transactions). The development of the object of the ijarah contract is a scientific contribution to the development of Islamic economic law theory. Therefore, further research is needed on the status of intangible assets as objects of contracts to explore their benefits and legal status in accordance with Sharia principles.
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

Abstract

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.
Implementation Of Agreements In Multi Level Marketing (Mlm) Business Schemes Based On Sharia Principles Nurjaman, Muhamad Izazi; Rojikin, Ikin; Pary, Hulaiva; Hasim, Syarif; Ayu, Dena
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10815

Abstract

Scholars have different opinions regarding MLM business schemes, some forbid and some for conditional permissibility. As for the juhur of contemporary scholars, many of them forbid it. However, the DSN-MUI through Fatwa Number 75 of 2009 allows MLM business schemes on condition that the implementation of a contract is in accordance with sharia principles. Therefore, this study will analyze the implementation of the contract in the MLM business scheme. This research includes sharia economic law research using a descriptive method of literature with a normative juridical approach using secondary data in the form of DSN-MUI Fatwas. This type of research is qualitative research with data analysis techniques, namely data reduction, data presentation and conclusions. The results of this study reveal that based on the substance of the DSN-MUI Fatwa Number 75 of 2009, MLM business schemes can use several contracts, namely murabaha, wakalah bi al-ujrah, ju'alah, ijarah and other contracts determined by DSN-MUI according to sharia principles, one of them is the Samsarah contract. However, the contract that is widely used in MLM business schemes is the ju'alah contract. Meanwhile, if you look at the MLM business scheme, which contains elements of intermediary services, services for selling products and recruiting new members which are part of the achievements that must be completed, then the appropriate contract is a hybrid contract between a samsarah contract and a ju'alah contract.
PENERAPAN AKAD WAKALAH BI AL-UJRAH DAN HIWALAH BI AL-UJRAH DALAM PENGEMBANGAN PRODUK DI PERBANKAN SYARIAH Nurjaman, Muhamad Izazi; Setiawan, Iwan; Herdiana, Nana
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 1 (2022)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Inovasi produk Perbankan Syariah mengharuskan adanya penggunaan multi akad yang mentranspormasikan akad tabarru’ yang notabene sebagai akad tanpa komersil menjadi akad mu’awadhat yang tujuannya untuk kegiatan komersil. Sehingga menimbulkan perdebatan mengenai status hukum atas keuntungan yang dihasilkan dari akad tersebut serta bagaimana penerapannya dalam pengembangan produk di perbankan syariah. Akad tersebut adalah akad wakalah bi al- ujrah dan akad hiwalah bi al-ujrah. Penelitian ini menggunakan metode deskriptif kepustakaan yang menggunakan pendekatan yuridis normatif dengan teknik analisis data berupa reduksi data, sajian data dan menarik kesimpulan. Jenis penelitian ini adalah penelitian kualitatif. Hasil penelitian ini mengungkapkan fakta bahwa penerapan akad wakalah bi al-ujrah dan akad hiwalah bi al-ujrah dalam pengembangan produk di bank syariah, terdapat dalam mekanisme pelaksanaan fungsi bank syariah dalam melakukan pelayanan jasa. Adapun pelayanan jasa yang diberikan, hakikat norma hukumnya sama dengan akad ijarah jasa yang masuk dalam kategori akad inti (mu’awadhat) bank syariah untuk mendapatkan keuntungan.
Inggris Nurjaman, Muhamad Izazi; Wardiyah, Mia Lasmi; Al-Rasyid, Camelia Sofwan; Eldiani, Nita; Tamami, Ahmad
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the implementation strategy of mosque-based Islamic financial innovations to improve the welfare of rural communities In Indonesia. The research method used is descriptive qualitative with a library research approach. Data analysis was conducted through data reduction, data presentation, and conclusion drawing, to obtain a systematic and comprehensive understanding. The results indicate that mosque-based Islamic financial innovations have significant potential as instruments for village economic empowerment. Various forms, such as mosque-based Islamic financial institutions (BMT), productive waqf, Islamic cooperatives, and the establishment of mosque-based Islamic Microfinance Institutions (LKMS), have been proven to improve community welfare by strengthening access to financing, creating jobs, and developing micro-enterprises. A key finding of this study is that program sustainability is largely determined by the existence of regular evaluation and monitoring mechanisms, active community participation, and strong regulatory support. Therefore, mosque-based Islamic financial innovations have the potential to become an alternative model for inclusive, equitable, and sharia-compliant village economic development.
Dynamics of Sharia Economic Dispute Resolution Regulations in the Sociology of Law Nurjaman, Muhamad Izazi; Arifin, Tajul; Athoillah, M.; Witro, Doli; Pary, Hulaiva
Jurnal Hukum Ekonomi Syariah Vol. 5 No. 2 (2022): 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.v5i2.14386

Abstract

Penelitian ini dilatarbelakangi adanya kebutuhan sebuah lembaga dalam menyelesaikan sengketa ekonomi syariah. Berbagai regulasi telah disusun untuk memberikan kewenangan kepada sebuah lembaga. Namun demikian, berbagai regulasi tersebut tentunya menimbulkan gejolak di masyarakat, akibat adanya ketumpangtindihan regulasi, dua kewenangan lembaga, dan substansi regulasi yang memiliki banyak penafsiran hukum. Tujuan penelitian ini mencoba memaparkan analisis dinamika regulasi penyelesaian sengketa ekonomi syariah dalam pandangan sosiologi hukum. Jenis penelitian ini menggunakan metode deskriptif kepustakaan dengan pendekatan yuridis normatif. Penelitian ini termasuk penelitian kualitatif. Teknik analisis data yang digunakan adalah kondensasi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menemukan fakta bahwa kedudukan sosiologi hukum memberikan pengaruh terhadap dinamika perubahan penyusunan regulasi penyelesaian sengketa ekonomi syariah melalui adanya gejolak kebutuhan, gejolak kepastian hukum dan gejolak efisiensi penyelesaian sengketa yang berasal dari masyarakat. Sehingga dinamika perubahan regulasi tersebut mencoba mewujudkan kebutuhan para pelaku bisnis ekonomi syariah dalam mencari keadilan dan kepastian hukum.
Akad Mudharabah Perspektif Regulasi dan Praktik di Perbankan Syariah Nurjaman, Muhamad Izazi; Ayu, Dena; Akbar, Muhammad Fahmi; Rojikin, Ikin
Jurnal Hukum Ekonomi Syariah Vol. 7 No. 1 (2024): April
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.v7i1.17023

Abstract

Akad Mudharabah menjadi akad yang identic dengan skema bagi hasil dalam operasioal perbankan syariah. Namun dalam praktiknya, justru akad murabahah yang banyak digunakan perbankan syariah, sehingga akad mudharabah dan skema bagi hasil yang melekat pada perbankan syariah seharusnya banyak digunakan dalam setiap penawaran produknya. Oleh karena itu, penelitian ini akan membahas akad mudharabah perspektif regulasi dan praktik di perbankan syariah. Penelitian ini merupakan penelitian hukum ekonomi syariah yang menggunakan metode deskriftif kepustakaan dengan sumber data primernya berupa Fatwa DSN-MUI dan peraturan perundang-undangan. Adapun jenis penelitian ini adalah penelitian kualitatif dengan tiga tahapan analisis data yaitu memfokuskan data, menyajikan data dan menarik kesimpulan. Hasil penelitian ini menunjukkan bahwa regulasi peraturan perundang-undangan (Undang-Undang, POJK dan PBI) yang menopang kedudukan dan penerapan akad mudharabah di perbankan syariah berasal dari substansi Fatwa DSN-MUI tentang akad mudharabah. Hal itu menunjukkan bahwa terdapat harmonisasi regulasi dan juga praktik penerapan akad mudharabah di perbankan syariah. Kedudukan akad mudharabah yang banyak digunkaan perbankan syariah dalam menjalankan fungsinya yaitu melakukan penghimpunan dana, penyaluran dana dengan skema pembiayaan dan melakuan pelayanan jasa pada produk tertentu memperkuat dan menjadikan eksistensi bank syariah sebagai lembaga keuangan yang menerapkan skema bagi hasil.
An Analysis of Persib's Early Bird Ticket Sales Practices: A Sharia Economic Law Perspective Gunawan, Moch. Hoerul; Subekti, Dzikri Abazis; Al-Rasyid, Camelia Sofwan; Ahmad, Diki; Wafa, Ah. Khairul; Nurjaman, Muhamad Izazi
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7731

Abstract

Penelitian ini membahas praktik penjualan tiket pertandingan sepak bola Persib Bandung melalui skema early bird. Skema ini menawarkan harga lebih murah bagi konsumen yang membeli tiket lebih awal dari jadwal pertandingan. Skema ini selain menjadi strategi pemasaran modern juga menimbulkan pertanyaan tentang kesesuaiannya dengan hukum ekonomi syariah. Tujuan penelitian ini adalah untuk menganalisis praktik penjualan tiket Persib Bandung dengan skema early bird dalam perspektif hukum ekonomi syariah. Metode penelitian menggunakan metode deskriptif studi kasus dengan pendekatan yuridis empiris, di mana data primer diperoleh melalui wawancara dengan konsumen pembeli tiket, sedangkan data sekunder berasal dari berbagai literatur. Adapun analisis data dilakukan dengan tiga teknik yaitu, reduksi data, sajian data dan kesimpulan. Hasil penelitian menunjukkan bahwa praktik early bird pada dasarnya sesuai dengan prinsip jual beli dalam Islam karena objek akad, harga, dan proses transaksi telah jelas, serta ijab kabul terwujud melalui sistem digital. Namun demikian, masih terdapat potensi gharar pada distribusi tiket yang terbatas dan risiko perubahan jadwal pertandingan. Oleh karena itu, pentingnya peningkatan transparansi informasi, mekanisme kompensasi yang adil, serta penerapan regulasi penjualan tiket digital berbasis syariah. Dengan demikian, praktik ini tidak hanya dapat memperkuat kepercayaan konsumen dan loyalitas penonton, tetapi juga memastikan transaksi berlangsung adil, aman, dan membawa keberkahan serta sesuai dengan prinsip syariah.
Transformasi Akad Natural Uncertainty Contracts: Analisis Akad Musyarakah Mutanaqishah (MMQ) di Lembaga Keuangan Syariah Nurjaman, Muhamad Izazi; Sofie, Helmi Muti; Istianah, Istianah
TAWAZUN: Journal of Sharia Economic Law Vol 5, No 1 (2022): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v5i1.13871

Abstract

This research is motivated by the murabahah contract which is widely used by LKS in product development due to its nature which includes natural certainty contracts. So that it provides income certainty and has a lower risk than cooperation contracts (musyarakah and mudharabah) which are natural uncertainty contracts. However, in its development there is a musyarakah mutanaqishah contract which is a hybrid contract by combining musyarakah, ijarah and buying and selling contracts. Meanwhile, ijarah and buying and selling contracts are natural certainty contracts. This research will reveal the transformation of natural uncertainty contracts on the analysis of musyarakah mutanaqishah contracts in LKS. This study uses a normative juridical approach which is described by a descriptive method of literature from primary data sources and also secondary data. The type of this research is qualitative research with data analysis techniques in the form of focusing data, presenting data and drawing conclusions. The results of this study reveal the fact that there is a transformation of musyarakah contracts, which include natural uncertainty contracts, into musyarakah mutanaqishah contracts, which are hybrid contracts with business activities using ijarah contracts and buying and selling as natural certainty contracts. So that this contract provides income certainty and has low risk and can be used as a contract choice by LKS in developing financing products.
Co-Authors Ahmad, Diki Akbar, Muhammad Fahmi Al-Hakim, Sofian Al-Rasyid, Camelia Sofwan Alghani, Raid Ayi Yunus Rusyana Ayu, Dena Eldiani, Nita Gunawan, Moch. Hoerul Hakim, Sofian Al- Hasan Bisri Hasim, Syarif Herdiana, Nana Hibaturohman, Iib Hida, Manarul Hulaiva Pary Istianah Istianah Iwan Setiawan M. Athoillah, M. Mia Lasmi Wardiyah, Mia Lasmi Mubarok, Anas Bayan Nurwijayanti Pitriani Pitriani, Pitriani Rasidin, Mhd. Rojikin, Ikin Sahid, Mualimin Mochammad Sidqi, Imaro Sofian Al Hakim, Sofian Sofie, Helmi Muti Subekti, Dzikri Abazis Sumanti, Eva Tajul Arifin Tamami, Ahmad WAFA, Ah. Khairul Witro, Doli