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Menjaga Stabilitas Usaha Pasca Pandemi Covid-19 dengan Penerapan Akad Murabahah pada Pelaksanaan Investasi Syariah Moh. Hamzah
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 3 No. 2 (2021)
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v3i2.5013

Abstract

Indonesia yang menjadi salah satu Negara di asia yang terdampak pandemi Covid-19 ini, baik dari sektor kesehatan, pendidikan dan sektor-sektor penting lainnya. Bahkan pada sektor ekonomipun menjadi sasaran dari dampak pandemi Covid-19 tersebut, sehingga banyak perusahaan, pabrik dan beberapa pelaku ekonomi mengalami kerugian yang cukup besar. Selain itu, dampak dari pandemi Covid-19 ini menyebabkan rendahnya sentiment investor terhadap pasar yang pada endingnya membawa pasar ke arah cenderung negative. Untuk mengurai kekhawatiran para investor tersebut, dalam penelitian ini akan memberikan sebuah konsep untuk menjaga stabilitas usaha pada pelaksanaan investasi. Dalam mempertegas content pada penelitian ini, terdapat tiga pokok permasalah yang akan dijawab, yaitu bagaimana perspektif hukum Islam tentang investasi, bagaimana tinjauan umum tentang akad murabahah, serta bagaimana cara menjaga stabilitas usaha dengan penerapan akad murabahah pada pelaksanaan investasi syariah. Penelitian yang merupakan jenis penelitian normatif ini akan menggunakan metode pendekatan konseptual, serta teknik analisis data bersifat analisis deskriptive dan argumentative. Dengan harapan bahwa konsep ini akan memberikan dampak yang positif terhadap perkembangan ekonomi dan terwujudnya kemaslahatan, serta terciptanya masyarakat adil makmur yang diridhoi Allah SWT. (Indonesia which is one of the countries in Asia that has been effected by the covid -19 pandemic, both from the health sector, education and other important sectors. Even in the economic sector was targeted by the impact of the Covid-19 pandemic, so that many companies, factories and some economic actors suffered considerable losses. In addition, the impact of covid-19 pandemic caused low investor sentiment towards the market which in the end led the market to tend to be negative. To unravel the concerns of these investors, in this study will provide a concept to maintain business stability in the implementation of investments. In emphasizing the content of this research, there are three main issues that Will be answered, namely how is the perspective of islamic law on Investment, how is an overview of murabahah contracts, and how to maintain business stability by implementing murabahah contracts in the implementation of Sharia investment. Reseach which is a type of normative research will use conceptual approach methods, as well as descriptive and argumentative data analysis techniques. It is hoped that this concept will have a positive impact on economic development and the realization of benefits, as well as the cration of a just and prosperous society blessed by Allah SWT).
Rokat Tase’ in Review of Maqashid Syariah Perspective of Muhammad Thahir Ibnu Asyur: Case Study of Madura Island Moh. Hamzah
Media Syari'ah : Wahana Kajian Hukum Islam dan Pranata Sosial Vol 24, No 1 (2022)
Publisher : Sharia and Law Faculty

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v24i1.12729

Abstract

Local wisdom embedded in a community group, of course, will become an inseparable part of life, one of which is the rokat tase’ tradition which is routinely carried out by several coastal communities. Therefore, this article will examine and analyze in depth the rokat tase' tradition with maqashid sharia from Imam Muhammad Thahir Ibn Ashur. This article, which is essentially an empirical legal research, will comprehensively use the maqashid sharia approach and qualitative descriptive methods. The result of this research is that in the first concept in his thought, Ibn Ashur distinguishes maqāṣid ash-syarīʻah into maqāṣid ash-syarah al-ʻāmah and maqāṣid ash-syarīʻah al-khāṣṣah bianwāʻ al-muʻāmalāt. Furthermore, he describes the rationale in determining maqasid, namely with fitrah, maslahah, and ta'lil. Finally, he explains the operationalization of maqasid theory in three ways, namely through al Maqam, Istiqra' and distinguishing between wasail and maqasid. In addition, after being studied in depth and competently through maqashid sharia with Ibn Asyur's thoughts on the implementation of the rokat tase' tradition in Madura in particular, presumably in this tradition it contains values that are quite large. Among other things are the achievement of the problems of the people through the establishment of Islam in the tradition, the realization of good social benefits among others, the maintenance of the welfare of the community in avoiding future dangers and the realization of the economic development of the people through the implementation of the existing rokat tase' tradition. Thus, for the considerable benefit in it, this tradition deserves to be maintained and preserved properly and correctly. Kearifan lokal yang tertanam di dalam suatu kelompok masyarakat, tentunya akan menjadi bagian hidup yang tidak dapat terpisahkan. Salah satunya seperti tradisi rokat tase’ yang rutin dilaksanakan oleh beberapa masyarakat di pesisir pantai. Oleh karena itu, artikel ini akan mengkaji dan menganalisis secara mendalam tradisi rokat tase’ dengan maqashid syariah dari Imam Muhammad Thahir Ibnu Ashur. Artikel yang pada esensinya merupakan penelitian hukum empiris ini, secara komprehensif akan menggunakan pendekatan maqashid syariah dan metode deskriptif kualitatif. Hasil dari penelitian ini adalah pada konsep pertama dalam pemikirannya, Ibnu Ashur membedakan maqāṣid asy-syarīʻah menjadi maqāṣid asysyarīʻah al-ʻāmah dan maqāṣid asy-syarīʻah al-khāṣṣah bianwāʻ al-muʻāmalāt. Selanjutnya ia menguraikan dasar pemikiran dalam menetapkan maqasid yaitu dengan fitrah, maslahah, dan ta’lil. Terakhir ia menjelaskan operasionalisasi teori maqasid dengan tiga cara yaitu melalui al Maqam, Istiqra’ serta membedakan antara wasail dan maqasid. Selain itu, setelah dikaji secara mendalam dan kompeten melaui maqashid syariah dengan pemikirannya Ibnu Asyur terhadap pelaksanaan tradisi rokat tase’ di Madura khususnya, kiranya dalam tradisi tersebut mengandung nilai-nilai kemaslahatan yang cukup besar. Antara lain adalah tercapainya kemaslahatan umat melalui tegaknya agama Islam dalam tradisi tersebut, terwujudnya kemaslahatan sosial yang baik antar sesama, terjaganya kesejahteraan masyarakat dalam menghindari bahaya yang akan datang dan terealisasikannya pembangunan ekonomi umat melalui pelaksanaan tradisi rokat tase’ yang ada. Dengan demikian, atas kemaslahatan yang cukup besar di dalamnya, tradisi ini patut untuk dipertahankan dan dilestarikan dengan baik dan benar.
Pembebasan Denda (al-Gharāmah) Pada Nasabah Wanprestasi di Lembaga Keuangan Syariah: Analisis Maqāṣid asy-Syarī’ah Perspektif asy-Syāṭibī Moh. Hamzah; Wasilatur Rohmaniyah
Jurnal Hukum Ekonomi Syariah Vol 6, No 02 (2022): JURNAL HUKUM EKONOMI SYARIAH (DESEMBER 2022)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v6i02.7440

Abstract

Penelitian ini bertujuan untuk mengetahui sejauh mana pencapaian maqāṣid asy-syarī’ah dari kebijakan pembebasan denda yang diberikan kepada nasabah wanprestasi atau bermasalah, dengan melalui kerangka berfikir maqāṣid asy-syarī’ah teorinya asy-Syāṭibī. Dimana pembebasan denda ini sudah diterapkan oleh beberapa lembaga keuangan syariah, dengannya untuk melihat seberapa besar implikasinya, maka maqāṣid asy-syarī’ah teorinya asy-Syāṭibī diyakini menjadi suatu pisau analisis yang tepat dalam kontek ini. Penelitian ini merupakan jenis penelitian hukum normatif dengan melalui pengamatan kepustakaan, serta dengan menggunakan pendekatan konseptual. Adapun hasil penelitian ini, yaitu pembebasan denda yang diterapkan oleh lembaga keuangan syariah kepada nasabah wanprestasi atau bermasalah, sejatinya telah di atur dalam Fatwa Dewan Syariah Nasional No. 17/DSN-MUI/IX/2000 dan peraturan Kompilasi Hukum Ekonomi Syariah. Kemudian dari hasil analisis yang tajam melalui maqāṣid asy-syarī’ah teorinya asy-Syāṭibī, disimpulkan bahwa pembebasan denda yang diaplikasikan telah mencapai tujuan-tujuan syariah dan telah memberikan kemaslahatan yang sangat besar terhadap nasabah. Selain itu, asy-Syāṭibī yang telah membagi maqāṣid asy-syarī’ah menjadi tiga tingkatan, berupa ḍaruriyah, ḥājiyyah dan taḥsīniyyah. Dengannya, pembebasan denda yang diimplementasikan oleh lembaga keuangan syariah sejatinya telah memelihara agama, jiwa, akal, keturunan dan harta dari nasabah tersebut, dari lima unsur ini merupakan bentuk kebutuhan pokok pada setiap orang dalam menjalani hidup yang layak dan sesuai dengan koridor Islam.AbstractThis study aims to determine how far the achievement of maqāṣid asy-syarī’ah from the policy of exemption from fines given to customers who default or have problems, through the framework of thinking maqāṣid asy-syarī’ah theory asy-Syāṭibī. Where the waiver of this fine has been applied by several Islamic financial institutions, in order to see how big the implications are, the maqāṣid asy-syarī'ah theory asy-Syāṭibī is believed to be an appropriate analytical knife in this context. This research is a type of normative legal research through literature observation, as well as by using a conceptual approach. The results of this study, namely the exemption of fines applied by Islamic financial institutions to customers who default or have problems, have actually been regulated in the National Sharia Council Fatwa No. 17/DSN-MUI/IX/2000 and regulations on the Compilation of Sharia Economic Law. Then from the results of a sharp analysis through the maqāṣid asy-syarī’ah theory of asy-Syāṭibī, it is concluded that the waiver of fines applied has achieved the objectives of sharia and has provided enormous benefits to customers. In addition, asy-Syāṭibī who has divided maqāṣid asy-syarī’ah into three levels, namely ḍaruriyah, ḥājiyyah and taḥsīniyyah. With it, the exemption of fines implemented by Islamic financial institutions has actually preserved the religion, soul, mind, lineage and property of these customers, of these five elements are a form of basic needs for everyone in living a decent life and in accordance with the corridors of Islam. 
In Search of Ummah Welfare Model: The Revitalisation of Sharia Economic Law in Indonesia Erie Hariyanto; Harisa Harisah; Moh. Hamzah; Fatekhul Mujib; Hidayatullah Hidayatullah; Cut Linda Marheni
Sriwijaya Law Review Volume 7 Issue 2, July 2023
Publisher : Faculty of Law, Sriwijaya University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/slrev.Vol7.Iss2.1080.pp244-261

Abstract

Sharia economic law in Indonesia has been revitalised through legal unification and codification to improve national economic development. In this context, the Sharia economy has become a guideline in every transaction. Therefore, people must understand the Islamic economic concept to create maslahah (goodness) in every aspect of life. Sharia economic law is not a new system, as it has been implemented since the era of the Prophet. However, there is a need for adjustment in the implementation of the Sharia economic law from time to time to enable it responding the current development. This study employs qualitative inquiry, using library research to analyse Sharia economic law's history and legal development. Legal documents used include state laws and regulations, the regulations of the Bank of Indonesia, the fatwa of DSN-MUI, and others. This paper argues that the revitalisation of the Sharia economic law in Indonesia is in line with the efforts made by the predominantly Muslim population to conserve and develop the system. This includes non-legalised and legalised implementation of the Sharia economic system, such as Sharia banking. Furthermore, the system does not contradict the value of Pancasila and the 1945 Constitution’s pillars of the Unitary State of the Republic of Indonesia. Sharia economic law, prioritising moral and religious principles, has proven to create maslahah and become a solution to the economic crisis. This was shown by the survival of Sharia banks during the 1998 economic crisis, maintaining the Sharia-standardised contract to create justice in society.
Kepatuhan Syariah Pada Fintech Lending Syariah: Analisis Akad dan Implementasinya Ahmad Fathorrozi; Moh. Hamzah
Qawanin: Jurnal of Economic Syaria Law Vol 8 No 1 (2024): June
Publisher : Fakultas Syariah IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/qaw.v8i1.494

Abstract

Islamic fintech lending has emerged in response to the need for financial products that comply with Islamic law. In the context of Muslim communities, fintech lending is assessed not only in terms of efficiency and convenience but also for its adherence to Sharia principles. This research is of a normative-empirical type with a content analysis approach. The results of this study indicate that Islamic fintech is a financial innovation that combines technology with Islamic Sharia principles. Parties involved need to understand the contracts used according to their needs, such as sales (al-al-bayʿ), muḍārabah, mushārakah, wakālah bil ujrah, and qardh, the permissibility of which is explained in the Qur'an and rational evidence. In Indonesia, Islamic fintech activities refer to DSN-MUI Fatwa Number 117/DSN-MUI/II/2018. With Islamic values and strict government regulations, economic operations can be conducted in a beneficial, just manner, avoiding riba (usury), maysir (gambling), and gharar (uncertainty).
Pembebasan Denda (al-Gharāmah) Pada Nasabah Wanprestasi di Lembaga Keuangan Syariah: Analisis Maqāṣid asy-Syarī’ah Perspektif asy-Syāṭibī Moh. Hamzah; Wasilatur Rohmaniyah
Jurnal Hukum Ekonomi Syariah Vol 6, No 02 (2022): JURNAL HUKUM EKONOMI SYARIAH (DESEMBER 2022)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v6i02.7440

Abstract

Penelitian ini bertujuan untuk mengetahui sejauh mana pencapaian maqāṣid asy-syarī’ah dari kebijakan pembebasan denda yang diberikan kepada nasabah wanprestasi atau bermasalah, dengan melalui kerangka berfikir maqāṣid asy-syarī’ah teorinya asy-Syāṭibī. Dimana pembebasan denda ini sudah diterapkan oleh beberapa lembaga keuangan syariah, dengannya untuk melihat seberapa besar implikasinya, maka maqāṣid asy-syarī’ah teorinya asy-Syāṭibī diyakini menjadi suatu pisau analisis yang tepat dalam kontek ini. Penelitian ini merupakan jenis penelitian hukum normatif dengan melalui pengamatan kepustakaan, serta dengan menggunakan pendekatan konseptual. Adapun hasil penelitian ini, yaitu pembebasan denda yang diterapkan oleh lembaga keuangan syariah kepada nasabah wanprestasi atau bermasalah, sejatinya telah di atur dalam Fatwa Dewan Syariah Nasional No. 17/DSN-MUI/IX/2000 dan peraturan Kompilasi Hukum Ekonomi Syariah. Kemudian dari hasil analisis yang tajam melalui maqāṣid asy-syarī’ah teorinya asy-Syāṭibī, disimpulkan bahwa pembebasan denda yang diaplikasikan telah mencapai tujuan-tujuan syariah dan telah memberikan kemaslahatan yang sangat besar terhadap nasabah. Selain itu, asy-Syāṭibī yang telah membagi maqāṣid asy-syarī’ah menjadi tiga tingkatan, berupa ḍaruriyah, ḥājiyyah dan taḥsīniyyah. Dengannya, pembebasan denda yang diimplementasikan oleh lembaga keuangan syariah sejatinya telah memelihara agama, jiwa, akal, keturunan dan harta dari nasabah tersebut, dari lima unsur ini merupakan bentuk kebutuhan pokok pada setiap orang dalam menjalani hidup yang layak dan sesuai dengan koridor Islam.AbstractThis study aims to determine how far the achievement of maqāṣid asy-syarī’ah from the policy of exemption from fines given to customers who default or have problems, through the framework of thinking maqāṣid asy-syarī’ah theory asy-Syāṭibī. Where the waiver of this fine has been applied by several Islamic financial institutions, in order to see how big the implications are, the maqāṣid asy-syarī'ah theory asy-Syāṭibī is believed to be an appropriate analytical knife in this context. This research is a type of normative legal research through literature observation, as well as by using a conceptual approach. The results of this study, namely the exemption of fines applied by Islamic financial institutions to customers who default or have problems, have actually been regulated in the National Sharia Council Fatwa No. 17/DSN-MUI/IX/2000 and regulations on the Compilation of Sharia Economic Law. Then from the results of a sharp analysis through the maqāṣid asy-syarī’ah theory of asy-Syāṭibī, it is concluded that the waiver of fines applied has achieved the objectives of sharia and has provided enormous benefits to customers. In addition, asy-Syāṭibī who has divided maqāṣid asy-syarī’ah into three levels, namely ḍaruriyah, ḥājiyyah and taḥsīniyyah. With it, the exemption of fines implemented by Islamic financial institutions has actually preserved the religion, soul, mind, lineage and property of these customers, of these five elements are a form of basic needs for everyone in living a decent life and in accordance with the corridors of Islam.